text: Do you ever hear something said that has an immediate crushing effect, so much so that your brain freezes and you are unable to think of a comeback - for days!! The other day it happened to me. My cousin said, "I'm sick of hearing about your slutty stories." I had never spoken about them. I didn't even know he had heard of them (I found out there had been chatter amongst the older generation). And I was not speaking about them at the time of the comment - his mother was. So why direct the comment/anger/antagonism at me? Was it a jealousy thing? Did he want to be able to write freely but felt unable to express himself? I wish I had have been able to converse about it, rather than stand in mute shock and let them all walk away.

lowercased: do you ever hear something said that has an immediate crushing effect, so much so that your brain freezes and you are unable to think of a comeback - for days!! the other day it happened to me. my cousin said, "i'm sick of hearing about your slutty stories." i had never spoken about them. i didn't even know he had heard of them (i found out there had been chatter amongst the older generation). and i was not speaking about them at the time of the comment - his mother was. so why direct the comment/anger/antagonism at me? was it a jealousy thing? did he want to be able to write freely but felt unable to express himself? i wish i had have been able to converse about it, rather than stand in mute shock and let them all walk away.


text:
When looking for the best leather laptop bag you need to have to make positive the bag you are finding is a genuine leather bag and that it meets your requirements in terms of size, durability, and comfort. At 19.five inches tall (about 21.five including wheels), this bag will often function as a carry on for international carriers. Some use a thumbdrive on a keychain, but I discover that the size limit of flash memory is to constrictive when operating on a Computer. I carry a 160GB firewire/usb external tough drive as element of my kit. Prevent the casual style of unstructured hobos for function bags, as though they are roomy they give off a relaxed, casual vibe that fits superior with weekend and leisure time.
If you require to carry a lot and need to have the to get to every little thing very easily and quickly – you can discover a tote bag that comes with loads of pockets and organizational possibilities, from just a basic organizational panel for pens and phone to pockets and, zippered compartments and file organization sections. I maintain a 11 x 16 masonite panel in my bag for stretching paper unless I am employing an Arches watercolor block. The cause you would want to have such a bag is to carry extra tubes, a tire, a modest compact tool set, and a patch kit.
On the short run, they are a tremendous aid, allowing us to operate very fast and effective, to communicate with the entire world in a matter of milliseconds, to send, receive and search for tons of info and so on. On the extended run, no one knows the consequences of this induced acceleration. I even had a bag tagged for the wrong location when, but noticed as the airline employee place it on the conveyor belt and was able to have them pull and appropriate it. I was flying to Marseilles, France, and they somehow tagged my bag for Tehran! A suitable laptop bag for females will aid you look both charming and professional!
There are styles and styles for sports enthusiast like a Tennis Tote exactly where you can hand carry all your tennis supplies. If you happen to be a company woman, there is the Ladies Portfolio Bag, completely sized to carry your laptop, files, and every little thing else you may possibly need to have for perform. Getting a woman’s laptop bag that can match with a particular outfit whether or not for perform or casual is a Massive plus. Any time I travel I only pack adequate to carry on with me. I hate going to baggage claim for anything. Other essentials are a bag of wet wipes, telephone, keys and possibly a small makeup bag.
The longer you operate and the more comfy you are the far better your paintings will be. This enjoyable, trendy printed canvas tote bag is obtainable in various colors and designs, has a zippered closure and opens to reveal a spacious main compartment for your books, binders, files, and brochures, plus a padded, secured laptop pc compartment.

lowercased:
when looking for the best leather laptop bag you need to have to make positive the bag you are finding is a genuine leather bag and that it meets your requirements in terms of size, durability, and comfort. at 19.five inches tall (about 21.five including wheels), this bag will often function as a carry on for international carriers. some use a thumbdrive on a keychain, but i discover that the size limit of flash memory is to constrictive when operating on a computer. i carry a 160gb firewire/usb external tough drive as element of my kit. prevent the casual style of unstructured hobos for function bags, as though they are roomy they give off a relaxed, casual vibe that fits superior with weekend and leisure time.
if you require to carry a lot and need to have the to get to every little thing very easily and quickly – you can discover a tote bag that comes with loads of pockets and organizational possibilities, from just a basic organizational panel for pens and phone to pockets and, zippered compartments and file organization sections. i maintain a 11 x 16 masonite panel in my bag for stretching paper unless i am employing an arches watercolor block. the cause you would want to have such a bag is to carry extra tubes, a tire, a modest compact tool set, and a patch kit.
on the short run, they are a tremendous aid, allowing us to operate very fast and effective, to communicate with the entire world in a matter of milliseconds, to send, receive and search for tons of info and so on. on the extended run, no one knows the consequences of this induced acceleration. i even had a bag tagged for the wrong location when, but noticed as the airline employee place it on the conveyor belt and was able to have them pull and appropriate it. i was flying to marseilles, france, and they somehow tagged my bag for tehran! a suitable laptop bag for females will aid you look both charming and professional!
there are styles and styles for sports enthusiast like a tennis tote exactly where you can hand carry all your tennis supplies. if you happen to be a company woman, there is the ladies portfolio bag, completely sized to carry your laptop, files, and every little thing else you may possibly need to have for perform. getting a woman’s laptop bag that can match with a particular outfit whether or not for perform or casual is a massive plus. any time i travel i only pack adequate to carry on with me. i hate going to baggage claim for anything. other essentials are a bag of wet wipes, telephone, keys and possibly a small makeup bag.
the longer you operate and the more comfy you are the far better your paintings will be. this enjoyable, trendy printed canvas tote bag is obtainable in various colors and designs, has a zippered closure and opens to reveal a spacious main compartment for your books, binders, files, and brochures, plus a padded, secured laptop pc compartment.


text: Some believe that video games damage the brain, but recent research shows that playing certain games improve cognitive ability. But what about the cognitive ability of virtual creatures? In this bizarre 3D puzzle game, players design and experiment with the lives of artificial animals grown and built from a warehouse of logically inter-related concepts.

lowercased: some believe that video games damage the brain, but recent research shows that playing certain games improve cognitive ability. but what about the cognitive ability of virtual creatures? in this bizarre 3d puzzle game, players design and experiment with the lives of artificial animals grown and built from a warehouse of logically inter-related concepts.


text:
Resource company reports are likely to be heavily scrutinised this earnings season to see whether the mining boom has peaked and whether there’s any positive signs for the year ahead.
Falling commodity prices are likely to be the number one reason for companies reporting falling revenues. Iron ore miners like Rio Tinto Limited (ASX: RIO) and Fortescue Metals Group (ASX: FMG) may offset falling prices by increasing production volumes. Some of the other factors to watch out for, when you are looking at company reports this earnings season, are listed below.
Cash costs per unit of production, compared to the commodity price – This is used to determine the operating margin and the company’s relative performance to the industry and its competitors. As an example, with the gold price around US$1600 an ounce, obviously gold miners need to keep their cash cost of production below that level. Resources companies also have their administration and other expenses to add to the cash costs, so the lower the cash cost, compared to the commodity price, the better.
Production growth – Has increased production led to an increase in earnings, or are revenues still falling? Fortescue has plans to ramp up production of iron ore to 155 million tonnes within the next couple of years, and we’d like to know how much production grew last year. We can also compare it to revenue growth to get an idea of how lower commodity prices have affected the company’s performance.
Size of resource base – Does the company have enough resources to keep producing in the year or years ahead? It’s not much good if the company has low production costs, high margins and plenty of cash, if it doesn’t have enough resources to stay in business for the next year at least.
Have any new projects come on stream in the previous year? New projects are like new stores for retailers, they can ramp up revenues, and if close to other projects can reduce costs of shipment and processing.
Cash/debt position – If the company has a net cash position, all the better, as bankers are unlikely to come calling if the company struggles to meet its debt and interest payments.
Expansion plans – as we’ve seen the big miners shy away from investing in their mega-projects, like BHP Billiton Limited’s (ASX: BHP) $20 billion expansion of its Olympic Dam project, during tough times, we’d like to see miners horde their cash, limit their debt and generally take a conservative view. Debt fuelled expansion, especially during weak economic times, has led to the failure of many companies.
Diversification/concentration by resource – like an investment portfolio, diversification can be good for businesses too. Fortescue and Atlas Iron Limited (ASX: AGO) are purely exposed to iron ore, whereas BHP receives large revenues from oil, gas, copper and other resources besides iron ore. Concentration can pay off big if you make the right bets, but it can also be the riskier path.
Outlook – This is a vital factor for resources companies, (like every other company). Does the company provide a guide for the year ahead? Usually resources companies will give an estimated range for their production in the coming year.
The overall themes from the miners’ results will play an important role in the outlook for mining services companies too. If you want to read the introduction to this series, plus find other sector previews, click here.

lowercased:
resource company reports are likely to be heavily scrutinised this earnings season to see whether the mining boom has peaked and whether there’s any positive signs for the year ahead.
falling commodity prices are likely to be the number one reason for companies reporting falling revenues. iron ore miners like rio tinto limited (asx: rio) and fortescue metals group (asx: fmg) may offset falling prices by increasing production volumes. some of the other factors to watch out for, when you are looking at company reports this earnings season, are listed below.
cash costs per unit of production, compared to the commodity price – this is used to determine the operating margin and the company’s relative performance to the industry and its competitors. as an example, with the gold price around us$1600 an ounce, obviously gold miners need to keep their cash cost of production below that level. resources companies also have their administration and other expenses to add to the cash costs, so the lower the cash cost, compared to the commodity price, the better.
production growth – has increased production led to an increase in earnings, or are revenues still falling? fortescue has plans to ramp up production of iron ore to 155 million tonnes within the next couple of years, and we’d like to know how much production grew last year. we can also compare it to revenue growth to get an idea of how lower commodity prices have affected the company’s performance.
size of resource base – does the company have enough resources to keep producing in the year or years ahead? it’s not much good if the company has low production costs, high margins and plenty of cash, if it doesn’t have enough resources to stay in business for the next year at least.
have any new projects come on stream in the previous year? new projects are like new stores for retailers, they can ramp up revenues, and if close to other projects can reduce costs of shipment and processing.
cash/debt position – if the company has a net cash position, all the better, as bankers are unlikely to come calling if the company struggles to meet its debt and interest payments.
expansion plans – as we’ve seen the big miners shy away from investing in their mega-projects, like bhp billiton limited’s (asx: bhp) $20 billion expansion of its olympic dam project, during tough times, we’d like to see miners horde their cash, limit their debt and generally take a conservative view. debt fuelled expansion, especially during weak economic times, has led to the failure of many companies.
diversification/concentration by resource – like an investment portfolio, diversification can be good for businesses too. fortescue and atlas iron limited (asx: ago) are purely exposed to iron ore, whereas bhp receives large revenues from oil, gas, copper and other resources besides iron ore. concentration can pay off big if you make the right bets, but it can also be the riskier path.
outlook – this is a vital factor for resources companies, (like every other company). does the company provide a guide for the year ahead? usually resources companies will give an estimated range for their production in the coming year.
the overall themes from the miners’ results will play an important role in the outlook for mining services companies too. if you want to read the introduction to this series, plus find other sector previews, click here.


text:
MINNETONKA, Minn.—(Nov. 10, 2014)—Entrust Datacard today announced that it will be participating in the 2nd Annual Technology and Innovation – The Future of Security conference taking place Nov. 13th, 2014 at the Marina Bay Sands Hotel in the Sands Expo and Convention Center in Singapore. In its 2nd year, the conference—organized by FST Media—will focus on providing an all encompassing analysis of the technologies involved in revolutionizing the Banking & Financial services sector.
During the conference, Jason Soroko, manager of security technologies for Entrust Datacard, will speak from 12:05 p.m. – 12:30 p.m. His presentation, titled “Placing Identity at the Center of Cyber Security” will outline the fundamental weaknesses in desktop operating systems; explain how mobile operating systems are more secure and how to leverage mobile platforms; as well as demonstrate how to utilize mobile solutions to defeat the Zeus virus.
Visitors will also have the opportunity to see a demo of the Entrust® IdentityGuard Cloud Services Mobile Smart Credential solution which transforms mobile devices into secure, multi-purpose digital identities that safeguard employee access to facilitaties, networks and the cloud.

lowercased:
minnetonka, minn.—(nov. 10, 2014)—entrust datacard today announced that it will be participating in the 2nd annual technology and innovation – the future of security conference taking place nov. 13th, 2014 at the marina bay sands hotel in the sands expo and convention center in singapore. in its 2nd year, the conference—organized by fst media—will focus on providing an all encompassing analysis of the technologies involved in revolutionizing the banking & financial services sector.
during the conference, jason soroko, manager of security technologies for entrust datacard, will speak from 12:05 p.m. – 12:30 p.m. his presentation, titled “placing identity at the center of cyber security” will outline the fundamental weaknesses in desktop operating systems; explain how mobile operating systems are more secure and how to leverage mobile platforms; as well as demonstrate how to utilize mobile solutions to defeat the zeus virus.
visitors will also have the opportunity to see a demo of the entrust® identityguard cloud services mobile smart credential solution which transforms mobile devices into secure, multi-purpose digital identities that safeguard employee access to facilitaties, networks and the cloud.


text:
It's been a rough 14 hours at the Starnes house. Jack has been battling a bug for almost 3 weeks now.....through our ski trip, through our Dallas trip, and he was cause for cancellation of Blake's birthday trip, too. It comes and goes....some days are great and then some are filled with lots of holding and comforting. I'm sure Lainey thinks we've abandoned her since Jack has required so much attention, but she's hanging in there.
Last night, just before the vomiting began, Blake suggested I get a bowl "just in case." (No apologies necessary for not reading past this point.) Quite an intuition, you might say. Jack took the bowl and put it on his head....Blake suggested I get the camera because he looked so cute. By the time I found it (no, it's not actually connected to my body), he quit the cuteness and just sat there watching Thomas The Train. I took pictures anyway....Blake asked me why....and I replied with, "Are you new here? THAT'S WHAT I DO."
Things are looking up this morning. Jack has regained a bit of life and we're waiting for a call back from the doctor. I've taken him in twice now to hear the expected, "It's a virus. Watch him." Now, I will never wish an illness upon my child, but after a $20 co-pay, tell me something I didn't know! You wouldn't believe the money we've spent over the years to hear those exact words....because you just never know.....better safe than sorry. And, people, we are SAFE.
Jack is down sleeping for a bit finally and Lainey, too. I'm going to get back to running from room to room doing laundry, dishes, straightening, etc....before the storm hits again.
Awww! Poor Jack! He looks so sad and sick in that picture. I hope he feels better really soon!

lowercased:
it's been a rough 14 hours at the starnes house. jack has been battling a bug for almost 3 weeks now.....through our ski trip, through our dallas trip, and he was cause for cancellation of blake's birthday trip, too. it comes and goes....some days are great and then some are filled with lots of holding and comforting. i'm sure lainey thinks we've abandoned her since jack has required so much attention, but she's hanging in there.
last night, just before the vomiting began, blake suggested i get a bowl "just in case." (no apologies necessary for not reading past this point.) quite an intuition, you might say. jack took the bowl and put it on his head....blake suggested i get the camera because he looked so cute. by the time i found it (no, it's not actually connected to my body), he quit the cuteness and just sat there watching thomas the train. i took pictures anyway....blake asked me why....and i replied with, "are you new here? that's what i do."
things are looking up this morning. jack has regained a bit of life and we're waiting for a call back from the doctor. i've taken him in twice now to hear the expected, "it's a virus. watch him." now, i will never wish an illness upon my child, but after a $20 co-pay, tell me something i didn't know! you wouldn't believe the money we've spent over the years to hear those exact words....because you just never know.....better safe than sorry. and, people, we are safe.
jack is down sleeping for a bit finally and lainey, too. i'm going to get back to running from room to room doing laundry, dishes, straightening, etc....before the storm hits again.
awww! poor jack! he looks so sad and sick in that picture. i hope he feels better really soon!


text:
Born and raised on the east side of Germany, Tino moved to Berlin in 1998 and calls himself a true Berliner. He teaches photography at the renowned HTW in Berlin, where he graduated in Design Studies.
The work of Tino Pohlmann covers landscapes, portrait, and sports photography, as well as editorial photography. He won various national and international awards for his work and book projects.
Every reached goal is the beginning of something new, like at a big bicycle Race! We find ourselves standing at the starting line ready for the next adventure" - Tino Pohlman.

lowercased:
born and raised on the east side of germany, tino moved to berlin in 1998 and calls himself a true berliner. he teaches photography at the renowned htw in berlin, where he graduated in design studies.
the work of tino pohlmann covers landscapes, portrait, and sports photography, as well as editorial photography. he won various national and international awards for his work and book projects.
every reached goal is the beginning of something new, like at a big bicycle race! we find ourselves standing at the starting line ready for the next adventure" - tino pohlman.


text:
Peggy Nesbitt is a Northern Irish actress who played a child of Dale in The Hobbit: An Unexpected Journey and Sigrid, Bard the Bowman's elder daughter, in The Hobbit: The Desolation of Smaug.
The elder daughter of James Nesbitt, who plays the dwarf Bofur, Peggy previously appeared with her father in the 2008 film Blessed, in which James plays a successful city trader who suddenly goes bankrupt and seeks solace on a remote island getaway.
Peggy and her younger sister, Mary, both moved to New Zealand when their father was cast as Bofur in The Hobbit film trilogy, a role that would require a year of continuous filming. Peggy and Mary were both initially resentful about having to live and attend school away from their normal home, but both were given the opportunity to audition for the films, and were surprised to win their roles.
Their mother, Sonia Forbes-Adam, likewise appears in the films as Belladonna (Took) Baggins (Bilbo Baggins' mother).

lowercased:
peggy nesbitt is a northern irish actress who played a child of dale in the hobbit: an unexpected journey and sigrid, bard the bowman's elder daughter, in the hobbit: the desolation of smaug.
the elder daughter of james nesbitt, who plays the dwarf bofur, peggy previously appeared with her father in the 2008 film blessed, in which james plays a successful city trader who suddenly goes bankrupt and seeks solace on a remote island getaway.
peggy and her younger sister, mary, both moved to new zealand when their father was cast as bofur in the hobbit film trilogy, a role that would require a year of continuous filming. peggy and mary were both initially resentful about having to live and attend school away from their normal home, but both were given the opportunity to audition for the films, and were surprised to win their roles.
their mother, sonia forbes-adam, likewise appears in the films as belladonna (took) baggins (bilbo baggins' mother).


text:
Blog - Our new hot tub launch!
Our new hot tub launch!
Our new milan hot tub launches today.

lowercased:
blog - our new hot tub launch!
our new hot tub launch!
our new milan hot tub launches today.


text: We had a 47 person passenger bus. Loved it! It had a bathroom, plenty of room for everyone...wedding party, family, friends. We had a really great bus driver who went to the store for during the ceremony when we discovered we were running low on beverages. Paid for it out of his own pocket too. I recommend this over a limo anyday. If you have a large wedding party and need more than one limo, this cost about the same as two limos.

lowercased: we had a 47 person passenger bus. loved it! it had a bathroom, plenty of room for everyone...wedding party, family, friends. we had a really great bus driver who went to the store for during the ceremony when we discovered we were running low on beverages. paid for it out of his own pocket too. i recommend this over a limo anyday. if you have a large wedding party and need more than one limo, this cost about the same as two limos.


text:
Cottage garden view rooms offer a comfortable stay and are elegantly equipped with king-size comfy beds, Wi-Fi facility, a premium television set and a neat bathroom offering toothbrush/razor on request and with running hot/cold water supply. A separate sitting area is also set.
Cottage garden view rooms offer a calm stay and feature a make-up mirror, stylish curtains, multiline phone for STD/ISD calls, reading lamps, a premium TV set and neat attached bathroom offering toothbrush/razor on request, conditioners, etc with constant supply of hot/cold running water supply.
Cottage sea view rooms offer a serene stay and feature a make-up mirror, stylish curtains, multiline phone for STD/ISD calls, reading lamps, a premium TV set and neat attached bathroom offering toothbrush/razor on request, conditioners, etc with constant supply of hot/cold running water supply.
Luxury villa sunset view rooms are luxuriously equipped with a make-up mirror, stylish curtains, multiline phone for STD/ISD calls, reading lamps, a premium TV set and neat attached bathroom offering toothbrush/razor on request, conditioners, etc with constant supply of hot/cold running water supply.
Vila Sea view rooms are trendily outfitted with make-up mirror, stylish curtains, multiline phone for STD/ISD calls, reading lamps, a premium TV set and neat attached bathroom offering toothbrush/razor on request, conditioners, etc with constant supply of hot/cold running water supply.

lowercased:
cottage garden view rooms offer a comfortable stay and are elegantly equipped with king-size comfy beds, wi-fi facility, a premium television set and a neat bathroom offering toothbrush/razor on request and with running hot/cold water supply. a separate sitting area is also set.
cottage garden view rooms offer a calm stay and feature a make-up mirror, stylish curtains, multiline phone for std/isd calls, reading lamps, a premium tv set and neat attached bathroom offering toothbrush/razor on request, conditioners, etc with constant supply of hot/cold running water supply.
cottage sea view rooms offer a serene stay and feature a make-up mirror, stylish curtains, multiline phone for std/isd calls, reading lamps, a premium tv set and neat attached bathroom offering toothbrush/razor on request, conditioners, etc with constant supply of hot/cold running water supply.
luxury villa sunset view rooms are luxuriously equipped with a make-up mirror, stylish curtains, multiline phone for std/isd calls, reading lamps, a premium tv set and neat attached bathroom offering toothbrush/razor on request, conditioners, etc with constant supply of hot/cold running water supply.
vila sea view rooms are trendily outfitted with make-up mirror, stylish curtains, multiline phone for std/isd calls, reading lamps, a premium tv set and neat attached bathroom offering toothbrush/razor on request, conditioners, etc with constant supply of hot/cold running water supply.


text: The Intimate Interfaces for persons with disabilities project strives to create an interface that allows a user to express themselves intimately with another person. It uses a capacitve input system which converts touch input into vibrations produced for the another user. This hardware system is designed to work in conjunction with a SecondLife environment to provide a social aspect to the experience.

lowercased: the intimate interfaces for persons with disabilities project strives to create an interface that allows a user to express themselves intimately with another person. it uses a capacitve input system which converts touch input into vibrations produced for the another user. this hardware system is designed to work in conjunction with a secondlife environment to provide a social aspect to the experience.


text: To contact Franklin American Mortgage Company Inc., please visit . Company data is provided by S&P Global Market Intelligence. Please use this form to report any data issues.

lowercased: to contact franklin american mortgage company inc., please visit . company data is provided by s&p global market intelligence. please use this form to report any data issues.


text:
Chances are you have some form of home insurance, whether it’s a comprehensive buildings and contents policy or just contents cover if you’re a tenant. But despite being one of the most important financial products around, it is surrounded by many myths and misconceptions.
Accidents do happen, whether it’s the TV falling off the wall or that pot of paint spilling and ruining the carpets. Not to worry, the home insurance will cover it, right?
Well, not necessarily. While some home insurance policies offer cover against accidental damage, it’s certainly not a given. Indeed, policies will generally cost more if you want to cover yourself in case misfortune strikes and you damage something in the home accidentally.
If you are the freeholder, then you will need to arrange buildings insurance. This is a form of insurance that protects the actual building itself, from the walls and floor to the roof.
You will need to set out exactly how much cover you need, and an easy mistake to make is to go for the market value of the property. However, what you actually need is the rebuild cost of the property, which may be rather different.
The Association of British Insurers suggests using the Royal Institution of Chartered Surveyors’ (RICS) building cost information service to establish what the rebuild cost of your property is likely to be.
It’s true that after the dramatic floods in 2007, homes that were affected had a difficult time arranging affordable home insurance that included flood cover.
However, the launch of Flood Re - a new scheme helping insurers offer more affordable flood insurance to people living in areas at risk of flooding - has made a huge difference.
Even homes with a history of flooding should be able to arrange cover now. According to figures from Flood Re, around four out of five householders who have previously made a claim on their insurance due to a flood have seen a 50% drop in the cost of their current cover.
If you have contents cover worth £50,000 and belongings worth the same, then you may assume that in the event of a claim everything will be entirely covered. That’s not necessarily the case though.
All contents policies will have single item limits, which as the name suggests is the most that the insurer will pay out to replace one single belonging. These limits tend to be around £1,000-£1,500, so if you have some high end jewellery or electronics you may face a shortfall in the event of a claim.
If you have items worth more than this limit, then you need to have those items named on the policy so that the single item limit does not apply.
There is a misconception that an insurer will look to knock down the size of your claim, and so the way to combat this is to bump up the size of your claim.
However, knowingly overstating the size of your claim is a form of fraud and could have very serious consequences.
Fraudulent claims also make insurance more expensive for everyone. According to the Association of British Insurers, fraud can add up to £50 to the annual insurance bill for every UK customer.
Buildings insurance and contents insurance are two distinct forms of cover, and while you can get a combined policy covering you for both, you don’t have to.
If you want to, you can opt to take out separate buildings insurance and contents insurance policies with two different insurers. Bear in mind this will mean more admin though, with two different applications and renewal dates to keep on top of.
Some home insurance policies will offer protection when items are taken out of the home, for example if you take your laptop out with you to work.
This certainly isn’t a given though; you may need to pay extra for this feature on your policy.

lowercased:
chances are you have some form of home insurance, whether it’s a comprehensive buildings and contents policy or just contents cover if you’re a tenant. but despite being one of the most important financial products around, it is surrounded by many myths and misconceptions.
accidents do happen, whether it’s the tv falling off the wall or that pot of paint spilling and ruining the carpets. not to worry, the home insurance will cover it, right?
well, not necessarily. while some home insurance policies offer cover against accidental damage, it’s certainly not a given. indeed, policies will generally cost more if you want to cover yourself in case misfortune strikes and you damage something in the home accidentally.
if you are the freeholder, then you will need to arrange buildings insurance. this is a form of insurance that protects the actual building itself, from the walls and floor to the roof.
you will need to set out exactly how much cover you need, and an easy mistake to make is to go for the market value of the property. however, what you actually need is the rebuild cost of the property, which may be rather different.
the association of british insurers suggests using the royal institution of chartered surveyors’ (rics) building cost information service to establish what the rebuild cost of your property is likely to be.
it’s true that after the dramatic floods in 2007, homes that were affected had a difficult time arranging affordable home insurance that included flood cover.
however, the launch of flood re - a new scheme helping insurers offer more affordable flood insurance to people living in areas at risk of flooding - has made a huge difference.
even homes with a history of flooding should be able to arrange cover now. according to figures from flood re, around four out of five householders who have previously made a claim on their insurance due to a flood have seen a 50% drop in the cost of their current cover.
if you have contents cover worth £50,000 and belongings worth the same, then you may assume that in the event of a claim everything will be entirely covered. that’s not necessarily the case though.
all contents policies will have single item limits, which as the name suggests is the most that the insurer will pay out to replace one single belonging. these limits tend to be around £1,000-£1,500, so if you have some high end jewellery or electronics you may face a shortfall in the event of a claim.
if you have items worth more than this limit, then you need to have those items named on the policy so that the single item limit does not apply.
there is a misconception that an insurer will look to knock down the size of your claim, and so the way to combat this is to bump up the size of your claim.
however, knowingly overstating the size of your claim is a form of fraud and could have very serious consequences.
fraudulent claims also make insurance more expensive for everyone. according to the association of british insurers, fraud can add up to £50 to the annual insurance bill for every uk customer.
buildings insurance and contents insurance are two distinct forms of cover, and while you can get a combined policy covering you for both, you don’t have to.
if you want to, you can opt to take out separate buildings insurance and contents insurance policies with two different insurers. bear in mind this will mean more admin though, with two different applications and renewal dates to keep on top of.
some home insurance policies will offer protection when items are taken out of the home, for example if you take your laptop out with you to work.
this certainly isn’t a given though; you may need to pay extra for this feature on your policy.


text:
1. Everyone is invited to a singing this evening at 6 pm at the FH.
2. Sis. Lillian Elsasser passed away on Friday. Visitation will be tomorrow from 4 to 7 pm at the funeral home and the funeral is Tuesday at 10 am here at the church.
3. Bible Class students will have ACYF practice this Wednesday at Bro. Tristan Herrmann’s home at 7:30 pm.
4. Skyline services are this Thursday at 6:45 pm. Group 1 is scheduled to go.
5. Harvest Call Clothing Drive will be Friday, February 1st. Clothes can be put in the bins in the Harvest Call storage room at the FH. Specific needs for Eastern Europe are socks and children sizes of warm clothes. If anyone is able to provide the snack, please let Sis. Cathy or Sis. Sam know.
6. For those of us who have the Harvest Call Missionary Booklets, new pages are available and are located on the table in the fellowship area.
7. Everyone is invited to the wedding and reception of Bro. Karl Christ and Sis. Sadie Moser at Fairbury church on Sunday, February 17th. There is also a Saturday evening supper and singing at the Fairbury church. An invitation and sign-up sheet are on the bulletin board.

lowercased:
1. everyone is invited to a singing this evening at 6 pm at the fh.
2. sis. lillian elsasser passed away on friday. visitation will be tomorrow from 4 to 7 pm at the funeral home and the funeral is tuesday at 10 am here at the church.
3. bible class students will have acyf practice this wednesday at bro. tristan herrmann’s home at 7:30 pm.
4. skyline services are this thursday at 6:45 pm. group 1 is scheduled to go.
5. harvest call clothing drive will be friday, february 1st. clothes can be put in the bins in the harvest call storage room at the fh. specific needs for eastern europe are socks and children sizes of warm clothes. if anyone is able to provide the snack, please let sis. cathy or sis. sam know.
6. for those of us who have the harvest call missionary booklets, new pages are available and are located on the table in the fellowship area.
7. everyone is invited to the wedding and reception of bro. karl christ and sis. sadie moser at fairbury church on sunday, february 17th. there is also a saturday evening supper and singing at the fairbury church. an invitation and sign-up sheet are on the bulletin board.


text:
Stories From People Who Hoard.
From People Who Know Someone Who Hoards.
These personal stories will show you how you are not alone with your OCHoarding. They are subdivided into stories from people who Hoard and stories from people who know someone who Hoards to make it easier for the readers. Both sides of the problem may contribute to a better understanding of a highly misunderstood diosrder.
List of all Personal Stories.
Stories of Those Who Hoard.
I Just Realized I Am a Recovering Hoarder.
The Recovering of a Hoarder.
Stories of Those Who Know Someone Who Hoards.
Family of people with OCD.
My Mother Saves Sentimental Items.
All Stories you find on the UOCHD Site are added with the permission of their respective authors. Third parties have no right to copy any parts of these stories without this permission.

lowercased:
stories from people who hoard.
from people who know someone who hoards.
these personal stories will show you how you are not alone with your ochoarding. they are subdivided into stories from people who hoard and stories from people who know someone who hoards to make it easier for the readers. both sides of the problem may contribute to a better understanding of a highly misunderstood diosrder.
list of all personal stories.
stories of those who hoard.
i just realized i am a recovering hoarder.
the recovering of a hoarder.
stories of those who know someone who hoards.
family of people with ocd.
my mother saves sentimental items.
all stories you find on the uochd site are added with the permission of their respective authors. third parties have no right to copy any parts of these stories without this permission.


text:
Welcome to Tomb of Alfalfa, also known as If the Apocalypse Comes, Beep Me! This week, we talk about doppelgängers in Season 3, episode 16's "Doppelgangland."
In this episode, we talk Dark Willow, writing, killing characters and Willow's fuzzy sweater (14:00) before Kelly goes off about Faith (28:00) and the absence of the Council (34:00). The episode closes with yelling (44:00), watches (58:00) and rankings (1:01:20).
Full show notes at beepmepod,wordpress.com and @beepmepod on Twitter, Facebook, Tumblr for all the good stuff and beepmepod@gmail.com for general chitchat!
Next episode: "And on the day the words 'flimsy excuse' were redefined, we stood in awe and watched."

lowercased:
welcome to tomb of alfalfa, also known as if the apocalypse comes, beep me! this week, we talk about doppelgängers in season 3, episode 16's "doppelgangland."
in this episode, we talk dark willow, writing, killing characters and willow's fuzzy sweater (14:00) before kelly goes off about faith (28:00) and the absence of the council (34:00). the episode closes with yelling (44:00), watches (58:00) and rankings (1:01:20).
full show notes at beepmepod,wordpress.com and @beepmepod on twitter, facebook, tumblr for all the good stuff and beepmepod@gmail.com for general chitchat!
next episode: "and on the day the words 'flimsy excuse' were redefined, we stood in awe and watched."


text:
This apple honey dish is a fun and easy craft for bigger kids (and their ambitious moms!) They are technically pinch pots – air dry clay pots made by pinching and prodding them into shape. Basically, what this means is that you don’t need advanced pottery skills and anyone can make it. Disclosure: this post contains commissioned links.
As you can see in my photos, my apple honey dish did NOT come out perfect – and that’s okay. If you want a food focused apples and honey idea, check out my apple honey dish made from actual apples.
If I would have sat over it for an hour, smoothing it out, cutting it to shape, it would have maybe looked much better but I don’t have that kind of patience, and my goal is to design a craft that anyone can easily repeat. So the craft that you see here is a simple, doable project that almost anyone can create, even without advanced crafting skills.
I used air dry clay in a terra cotta color. I don’t necessarily recommend using that color – white is really the best way to go. Because I was planning on painting this I just decided to use up the terra cotta stuff I had purchased by mistake.
I painted it with acrylic paints – a berry red for the main pot and a brushed metallic bronze for the stem, as well as a color shift metallic green for the leaf. I am a Plaid ambassador for my main blog Moms & Crafters and the above paints were provided to me free of charge in case I’ll craft with them and share.
I also decided to give Dishwasher Safe Mod Podge a go on this one. The thing is, it takes 28 days to cure. Yep, you heard right. It takes 28 freaking days to completely cure. If you don’t have that kind of time, use a quicker hardening clay sealer – it just won’t be dishwasher safe. Make sure to use something water resistant so that it can wipe clean.
Note: if you miss a single spot with the dishwasher safe mod podge, your project will melt when you put it in the dishwasher. I still recommend it for hand washing, but do be warned that you’ll want to test it and make sure you catch ever single spot before putting it in your dishwasher.
I don’t know about the paints I used. It’s probably NOT food grade either, but it is likely non-toxic. Definitely look for non-toxic paints with your red paint.
The same applies for the clay – it’s labeled nontoxic but it’s unlikely to be food grade either.
You can design it to fit anything – a small shot glass, a glass dish. It’s really mean to be purely decorative.
With the dry time needed, this project will need a few days to complete because of the cure and dry time of the various components. Each step doesn’t take very long, but you’ll need to start this a week or so before it needs to be completed.
Grab a ball of clay and knead it to soften it to make it easier to work with.
Pinch your clay into a roundish jar shape. Make sure it’ll fit around whatever you’ll be using for your honey. Make sure the bottom is flat so that it will sit properly on a surface. Expect minimal shrinkage.
Dip your fingers into water and use wet hands to smooth your clay. Work with it as much as you’d like – there’s beauty in imperfection! You can cut the top so that it’s totally flat or leave it as I did.
Make a flat circle of clay to fit on top of your jar.
Use two separate pieces of clay to make a cylinder stem shape that’s thick enough to serve as a handle for your lid. Make a leaf shape too.
Use water to help you attach these shapes to your lid. Allow your apple honey dish to cure completely according to package instructions before proceeding.
When it’s completely cured, paint your jar. Do this one side at a time – allow it to dry before flipping and painting the other side. Paint a couple of layers if you need it, allowing it to cure completely between layers.
Paint your stem in a brown or bronze color and paint your leaf green.
When all layers of paint have dried completely, paint on your first layer of Mod Podge. Allow it to dry to the touch between layers and then paint another coat. Repeat with a third coat. (it does not need to cure completely for a fresh layer to be added).
When your apple honey jar is completely cured, it’s ready to use!
What a fun addition to the family’s Rosh Hashanah table!
Who will you be making this apple honey dish for? Will you be giving it as a gift? Comment below!

lowercased:
this apple honey dish is a fun and easy craft for bigger kids (and their ambitious moms!) they are technically pinch pots – air dry clay pots made by pinching and prodding them into shape. basically, what this means is that you don’t need advanced pottery skills and anyone can make it. disclosure: this post contains commissioned links.
as you can see in my photos, my apple honey dish did not come out perfect – and that’s okay. if you want a food focused apples and honey idea, check out my apple honey dish made from actual apples.
if i would have sat over it for an hour, smoothing it out, cutting it to shape, it would have maybe looked much better but i don’t have that kind of patience, and my goal is to design a craft that anyone can easily repeat. so the craft that you see here is a simple, doable project that almost anyone can create, even without advanced crafting skills.
i used air dry clay in a terra cotta color. i don’t necessarily recommend using that color – white is really the best way to go. because i was planning on painting this i just decided to use up the terra cotta stuff i had purchased by mistake.
i painted it with acrylic paints – a berry red for the main pot and a brushed metallic bronze for the stem, as well as a color shift metallic green for the leaf. i am a plaid ambassador for my main blog moms & crafters and the above paints were provided to me free of charge in case i’ll craft with them and share.
i also decided to give dishwasher safe mod podge a go on this one. the thing is, it takes 28 days to cure. yep, you heard right. it takes 28 freaking days to completely cure. if you don’t have that kind of time, use a quicker hardening clay sealer – it just won’t be dishwasher safe. make sure to use something water resistant so that it can wipe clean.
note: if you miss a single spot with the dishwasher safe mod podge, your project will melt when you put it in the dishwasher. i still recommend it for hand washing, but do be warned that you’ll want to test it and make sure you catch ever single spot before putting it in your dishwasher.
i don’t know about the paints i used. it’s probably not food grade either, but it is likely non-toxic. definitely look for non-toxic paints with your red paint.
the same applies for the clay – it’s labeled nontoxic but it’s unlikely to be food grade either.
you can design it to fit anything – a small shot glass, a glass dish. it’s really mean to be purely decorative.
with the dry time needed, this project will need a few days to complete because of the cure and dry time of the various components. each step doesn’t take very long, but you’ll need to start this a week or so before it needs to be completed.
grab a ball of clay and knead it to soften it to make it easier to work with.
pinch your clay into a roundish jar shape. make sure it’ll fit around whatever you’ll be using for your honey. make sure the bottom is flat so that it will sit properly on a surface. expect minimal shrinkage.
dip your fingers into water and use wet hands to smooth your clay. work with it as much as you’d like – there’s beauty in imperfection! you can cut the top so that it’s totally flat or leave it as i did.
make a flat circle of clay to fit on top of your jar.
use two separate pieces of clay to make a cylinder stem shape that’s thick enough to serve as a handle for your lid. make a leaf shape too.
use water to help you attach these shapes to your lid. allow your apple honey dish to cure completely according to package instructions before proceeding.
when it’s completely cured, paint your jar. do this one side at a time – allow it to dry before flipping and painting the other side. paint a couple of layers if you need it, allowing it to cure completely between layers.
paint your stem in a brown or bronze color and paint your leaf green.
when all layers of paint have dried completely, paint on your first layer of mod podge. allow it to dry to the touch between layers and then paint another coat. repeat with a third coat. (it does not need to cure completely for a fresh layer to be added).
when your apple honey jar is completely cured, it’s ready to use!
what a fun addition to the family’s rosh hashanah table!
who will you be making this apple honey dish for? will you be giving it as a gift? comment below!


text:
At Sunrise Villa San Jose, we offer seniors a variety of living arrangements, amenities, services, well-balanced menu choices, social activities and more. We help seniors live a full life — on their own terms.
We have received your request and will follow up with you shortly to provide more information on Sunrise Villa San Jose.

lowercased:
at sunrise villa san jose, we offer seniors a variety of living arrangements, amenities, services, well-balanced menu choices, social activities and more. we help seniors live a full life — on their own terms.
we have received your request and will follow up with you shortly to provide more information on sunrise villa san jose.


text:
Big Data Bigger Opportunities | Business Article | MBA Skool-Study.Learn.Share.
Drops of information from ubiquitous data sensors have created oceans of data for organizations. It is a point of concern for a few while the most see it as big opportunity... big data opportunity. Over the years the data that can be collected and used by Organizations has grown tremendously – in variety, the frequency at which data is acquired and the amount of data captured. Besides traditional data captured and processed by an organization’s MIS, there also is a wide variety of unstructured data which is a bit difficult to capture using the usual methods and hence does not get used while making decisions.
Big data is just a notional term which signifies voluminous amount of unstructured and semi-structured data which is difficult to handle for the current relational database systems. Though exact lower threshold is not defined for the volume of the data to be called big data, generally data in terabytes, petabytes and above.
It is not a sudden phenomenon, but a culmination of the increasing amount of unmanaged and unstructured data coming from countless information sensing devices and media like sensor networks, RFID, social networks, e-commerce, etc. Easy access to internet with a number of UGC (User Generated Content) has also been the driver for this enormous growth.
Earlier organizations saw this data as a liability and a matter of growing concern of storing such huge data. However, with passage of time most of them started realizing its potential as an asset which can bring lot of business intelligence. Big data brings with it the precious insights into the consumer behaviour, future trends and areas of numerous opportunities.
There always has been a cyclical relation in between advances in knowledge & advances in our capacity of measurement. All advances in measurement have led to the advancement of knowledge in some form or the other. Increased computing capacity & ability to measure data at more granular levels in the recent past have created opportunities to reveal patterns & improve our insights into business. These new insights in turn help us to identify the different parameters that should be monitored further extending our measurement capabilities and the resultant dataset.
The use of Big Data can be made to better an organization’s decision making. Through continuous experimentation, organizations can now come up with better predictions. They can now distinguish the causal factors from merely co-related ones. All these will lead to better forecasts, improved operational plans and more predictability in business. Use of Big Data will also help companies to think in terms of narrower segmentation. Moreover, Big Data processing is not a onetime activity but an on-going process.
But, what the companies want are pearls hidden under the ocean. The intelligence that is hidden within this data can be fathomed through analysis of this data; else it is really a liability and a missed opportunity.
Clearly traditional way of processing data will not be adequate to handle these new opportunities. A number of new technologies have been developed to help organizations respond to this challenge.
What are major players doing about this?
Most major software companies have been working on this opportunity and have already rolled out products to help organization leverage on Big Data. Oracle has already built a number of offerings around Big Data. Oracle recently introduced its NoSQL Database. NoSQL is a non-relational ship database management system that will allow its users to store massive amounts of data in a highly available distributed system. Oracle has also recently launched a number of other services aimed at providing users with complete support for BigData operations. Google’s BiqQuery which is still in its beta stage aims at providing users with a platform to allow users to carry out large scale internal data analytics. Apache’s open source projects- mostly based on HADOOP have also made significant progress in catering to the user’s requirement. Almost all major products now have incorporated some sort of interface with Hadoop. In fact Microsoft gave up its Dyrad in favour of Hadoop which will be integrated with Microsoft’s next SQL server release – SQL Server 2012. SAP too is trying to woo users with its HANA platform. IBM unveiled InfoSphere BigInsights and Streams software which will allows its users to gain fast insight into information flowing in and around their businesses. These software analyse traditional structured data found in databases along with unstructured data and process large chunks of data at a faster rate.
As mentioned already, use of Big Data to gain business insights is an on-going process and not a one-time activity. With increase in analytics, opportunities for Indian IT companies will surely increase. A recent report by IBM suggests that almost 90% of the world’s data has been created in the past 3 years. As our computing capacity increases, so will our need for data. In order to keep up with this growing demand, organizations will need to revamp their IT infrastructure if they are to make use of Big Data for their business. Scaling up to meet their ever increasing requirements is not an easy challenge. Furthermore investments needed to do this would seem prohibitive in the face of constantly evolving technology. The cloud seems to be a plausible solution to these problems. Big Data will encourage organizations to move to the cloud – at least partially if not completely. Analytics, Cloud and Infrastructure management services are key opportunities that IT service providers should try to make the most out of.
IT companies serving different sectors also can look for the opportunities that big data provides for each sector. Each sector has a different potential to reap the benefits of big data. The bubble chart below illustrates the same by taking US markets into consideration.
Source: McKinsey Global Institute report on Big Data.
What does this mean to IT service providers? This gives a direction to the companies while deciding the future investments and strategies for each vertical. BFSI a strong business provider again comes out to be a big time opportunity which can be grabbed with investments in that direction. Healthcare, pharmacy and transport are other sectors that can gain from initiatives to TAP Big Data – all of which form a major chunk of business for India IT service providers.
Cloud computing has already gained its status of next big thing owing to the requirements of processing of the enormous amount of data. Indian companies vouching on cloud computing as a new source of revenues can surely focus on the SaaS (Software as a Service) to come up with analytics solutions catering to the business intelligence needs of companies from various sectors looking to get benefited from the big data opportunities. The prophesy of cloud computing looks forward to comprehensive cloud services providers working on all the three fronts of Infrastructure, Service and Platforms, and big data is the key driver here.
This article has been authored by Gaurav Kawale & Sandeep Borkar from SJMSOM, IIT Bombay.
Big Data Scientists- Demand outgrowing Supply?

lowercased:
big data bigger opportunities | business article | mba skool-study.learn.share.
drops of information from ubiquitous data sensors have created oceans of data for organizations. it is a point of concern for a few while the most see it as big opportunity... big data opportunity. over the years the data that can be collected and used by organizations has grown tremendously – in variety, the frequency at which data is acquired and the amount of data captured. besides traditional data captured and processed by an organization’s mis, there also is a wide variety of unstructured data which is a bit difficult to capture using the usual methods and hence does not get used while making decisions.
big data is just a notional term which signifies voluminous amount of unstructured and semi-structured data which is difficult to handle for the current relational database systems. though exact lower threshold is not defined for the volume of the data to be called big data, generally data in terabytes, petabytes and above.
it is not a sudden phenomenon, but a culmination of the increasing amount of unmanaged and unstructured data coming from countless information sensing devices and media like sensor networks, rfid, social networks, e-commerce, etc. easy access to internet with a number of ugc (user generated content) has also been the driver for this enormous growth.
earlier organizations saw this data as a liability and a matter of growing concern of storing such huge data. however, with passage of time most of them started realizing its potential as an asset which can bring lot of business intelligence. big data brings with it the precious insights into the consumer behaviour, future trends and areas of numerous opportunities.
there always has been a cyclical relation in between advances in knowledge & advances in our capacity of measurement. all advances in measurement have led to the advancement of knowledge in some form or the other. increased computing capacity & ability to measure data at more granular levels in the recent past have created opportunities to reveal patterns & improve our insights into business. these new insights in turn help us to identify the different parameters that should be monitored further extending our measurement capabilities and the resultant dataset.
the use of big data can be made to better an organization’s decision making. through continuous experimentation, organizations can now come up with better predictions. they can now distinguish the causal factors from merely co-related ones. all these will lead to better forecasts, improved operational plans and more predictability in business. use of big data will also help companies to think in terms of narrower segmentation. moreover, big data processing is not a onetime activity but an on-going process.
but, what the companies want are pearls hidden under the ocean. the intelligence that is hidden within this data can be fathomed through analysis of this data; else it is really a liability and a missed opportunity.
clearly traditional way of processing data will not be adequate to handle these new opportunities. a number of new technologies have been developed to help organizations respond to this challenge.
what are major players doing about this?
most major software companies have been working on this opportunity and have already rolled out products to help organization leverage on big data. oracle has already built a number of offerings around big data. oracle recently introduced its nosql database. nosql is a non-relational ship database management system that will allow its users to store massive amounts of data in a highly available distributed system. oracle has also recently launched a number of other services aimed at providing users with complete support for bigdata operations. google’s biqquery which is still in its beta stage aims at providing users with a platform to allow users to carry out large scale internal data analytics. apache’s open source projects- mostly based on hadoop have also made significant progress in catering to the user’s requirement. almost all major products now have incorporated some sort of interface with hadoop. in fact microsoft gave up its dyrad in favour of hadoop which will be integrated with microsoft’s next sql server release – sql server 2012. sap too is trying to woo users with its hana platform. ibm unveiled infosphere biginsights and streams software which will allows its users to gain fast insight into information flowing in and around their businesses. these software analyse traditional structured data found in databases along with unstructured data and process large chunks of data at a faster rate.
as mentioned already, use of big data to gain business insights is an on-going process and not a one-time activity. with increase in analytics, opportunities for indian it companies will surely increase. a recent report by ibm suggests that almost 90% of the world’s data has been created in the past 3 years. as our computing capacity increases, so will our need for data. in order to keep up with this growing demand, organizations will need to revamp their it infrastructure if they are to make use of big data for their business. scaling up to meet their ever increasing requirements is not an easy challenge. furthermore investments needed to do this would seem prohibitive in the face of constantly evolving technology. the cloud seems to be a plausible solution to these problems. big data will encourage organizations to move to the cloud – at least partially if not completely. analytics, cloud and infrastructure management services are key opportunities that it service providers should try to make the most out of.
it companies serving different sectors also can look for the opportunities that big data provides for each sector. each sector has a different potential to reap the benefits of big data. the bubble chart below illustrates the same by taking us markets into consideration.
source: mckinsey global institute report on big data.
what does this mean to it service providers? this gives a direction to the companies while deciding the future investments and strategies for each vertical. bfsi a strong business provider again comes out to be a big time opportunity which can be grabbed with investments in that direction. healthcare, pharmacy and transport are other sectors that can gain from initiatives to tap big data – all of which form a major chunk of business for india it service providers.
cloud computing has already gained its status of next big thing owing to the requirements of processing of the enormous amount of data. indian companies vouching on cloud computing as a new source of revenues can surely focus on the saas (software as a service) to come up with analytics solutions catering to the business intelligence needs of companies from various sectors looking to get benefited from the big data opportunities. the prophesy of cloud computing looks forward to comprehensive cloud services providers working on all the three fronts of infrastructure, service and platforms, and big data is the key driver here.
this article has been authored by gaurav kawale & sandeep borkar from sjmsom, iit bombay.
big data scientists- demand outgrowing supply?


text: Description: Ava is a beautiful puppy with a soft snow white coat and big dark eyes. She has a very sweet domineer and a ideal temperament which is why she would be perfect as a family dog or comfort companion. Ava has an exciting, warm personality and loves to have fun and play but when its time to settle down she can’t wait to curl up on your lap for a snuggle. Along with the purchase of Ava and her fantastic training you will receive a free online Dog Pro Secrets master class and a live demonstration of all she has learned and to show you how to keep up with her training. As with all puppies offered through Puppy Steps Training, this puppy comes from a high quality breeder, both parents have documented health clearances and was carefully selected and hand-picked by us. Call or text Brad Phillips at 208-339-0032, Ami Phillips at 208-851-8464, or email us at puppystepstraining@gmail.com to reserve this puppy today!

lowercased: description: ava is a beautiful puppy with a soft snow white coat and big dark eyes. she has a very sweet domineer and a ideal temperament which is why she would be perfect as a family dog or comfort companion. ava has an exciting, warm personality and loves to have fun and play but when its time to settle down she can’t wait to curl up on your lap for a snuggle. along with the purchase of ava and her fantastic training you will receive a free online dog pro secrets master class and a live demonstration of all she has learned and to show you how to keep up with her training. as with all puppies offered through puppy steps training, this puppy comes from a high quality breeder, both parents have documented health clearances and was carefully selected and hand-picked by us. call or text brad phillips at 208-339-0032, ami phillips at 208-851-8464, or email us at puppystepstraining@gmail.com to reserve this puppy today!


text: Submitted by Pastor Rob Williamson, Bethel Assembly Church, Queen Charlotte–For many people around the world, Christmas is a time of Joy, Peace, Hope, and Love. A time for family, a time for relaxing, and a time to remember the miracle of the young Christ child, born of a Virgin, in the town of Bethlehem.For me, as I reflect upon this image of the Christ child, in a manger, surrounded by family, magi, shepherds, and animals, a small content and expressive grin airs itself for many to see. This grin comes from a peace deep within the recesses of my soul and bubbles out like an endless spring full of life and possibilities. Matthew 1:23 (NIV) says, “The virgin will be with Child and will give birth to a son, and they will call him Immanuel” – which means, “God with us.”Wow! Think about it, “God with us.” Why would that be? Why would a holy, eternal, and all powerful God step down from his holy throne in heaven, remove his royal robes, and exchange them for the garments of human flesh? Two words, Love and Relationship. Christ’s birth was not an accident, instead it was a plan. It was not careless, instead it was an act of compassion. Before this world was created, before the endless universe existed, before the dawn of time, God had already conceived your existence within Himself and He loved you. His desire was to have a relationship with you. So He created the heavens and the earth, the animals and the trees, the lakes and the seas. He created the whole world around us so that we could live in harmony with Him and live out a peaceful and loving life with Him; until man chose sin.Sadly since sin entered into this world through our choice, it has tainted the hearts and minds of humanity throughout the centuries. Most of all, from its entrance, sin succeeded in creating an impassible chasm separating mankind from God. At that moment God could have just pulled the plug, He could have just turned His back on us. Instead, His love for us was greater than the penalty due for our actions. Knowing long before we even existed in this state due to our choices, God already had a plan to deal with this chasm and also a plan to pay the penalty owed for our selfishness.This plan became tangible when a virgin gave birth to the Christ Child in Bethlehem. It was at that moment as that child took his first breath and cried out for the first time, that He was declaring to the whole world and to all of human history, that I am here. I am Immanuel, God with us. Wow, God came to earth for you and I. This is the true meaning of Christmas. God was born so that he could fix that to which no man could fix, resolve that to which no man could resolve, pay for a penalty which no man could ever afford. He came to earth to build a bridge across an endless chasm so that we may once again have an unhindered relationship with God. Through the life, the death, and the resurrection of His Son Jesus. Immanuel, God with us.May the love, peace, and life of the Lord Jesus Christ, guard, define, and unite you and your family this Christmas season. Merry Christmas and the Lord’s blessing to you all.

lowercased: submitted by pastor rob williamson, bethel assembly church, queen charlotte–for many people around the world, christmas is a time of joy, peace, hope, and love. a time for family, a time for relaxing, and a time to remember the miracle of the young christ child, born of a virgin, in the town of bethlehem.for me, as i reflect upon this image of the christ child, in a manger, surrounded by family, magi, shepherds, and animals, a small content and expressive grin airs itself for many to see. this grin comes from a peace deep within the recesses of my soul and bubbles out like an endless spring full of life and possibilities. matthew 1:23 (niv) says, “the virgin will be with child and will give birth to a son, and they will call him immanuel” – which means, “god with us.”wow! think about it, “god with us.” why would that be? why would a holy, eternal, and all powerful god step down from his holy throne in heaven, remove his royal robes, and exchange them for the garments of human flesh? two words, love and relationship. christ’s birth was not an accident, instead it was a plan. it was not careless, instead it was an act of compassion. before this world was created, before the endless universe existed, before the dawn of time, god had already conceived your existence within himself and he loved you. his desire was to have a relationship with you. so he created the heavens and the earth, the animals and the trees, the lakes and the seas. he created the whole world around us so that we could live in harmony with him and live out a peaceful and loving life with him; until man chose sin.sadly since sin entered into this world through our choice, it has tainted the hearts and minds of humanity throughout the centuries. most of all, from its entrance, sin succeeded in creating an impassible chasm separating mankind from god. at that moment god could have just pulled the plug, he could have just turned his back on us. instead, his love for us was greater than the penalty due for our actions. knowing long before we even existed in this state due to our choices, god already had a plan to deal with this chasm and also a plan to pay the penalty owed for our selfishness.this plan became tangible when a virgin gave birth to the christ child in bethlehem. it was at that moment as that child took his first breath and cried out for the first time, that he was declaring to the whole world and to all of human history, that i am here. i am immanuel, god with us. wow, god came to earth for you and i. this is the true meaning of christmas. god was born so that he could fix that to which no man could fix, resolve that to which no man could resolve, pay for a penalty which no man could ever afford. he came to earth to build a bridge across an endless chasm so that we may once again have an unhindered relationship with god. through the life, the death, and the resurrection of his son jesus. immanuel, god with us.may the love, peace, and life of the lord jesus christ, guard, define, and unite you and your family this christmas season. merry christmas and the lord’s blessing to you all.


text:
Our bird latte cup is hand-painted with a lovely scene inspired by the natural world in Guatemala. Members of the Ceramica Polopo cooperative craft these mugs by hand. Each piece will be slightly unique, as each artist paints the scene in his own way.
Bird is only on one side of cup. Back side has flowers.
Our bird latte mug is hand-painted with a lovely scene inspired by the natural world in Guatemala. Members of the Ceramica Polopo cooperative craft these mugs by hand. Each piece will be slightly unique, as each artist paints the scene in his own way.

lowercased:
our bird latte cup is hand-painted with a lovely scene inspired by the natural world in guatemala. members of the ceramica polopo cooperative craft these mugs by hand. each piece will be slightly unique, as each artist paints the scene in his own way.
bird is only on one side of cup. back side has flowers.
our bird latte mug is hand-painted with a lovely scene inspired by the natural world in guatemala. members of the ceramica polopo cooperative craft these mugs by hand. each piece will be slightly unique, as each artist paints the scene in his own way.


text: The Foreign Legion commandos are facing another great challenge. This time an international team will go to French Guiana to secure the region. The mercenaries of general Mendoza targeted a research facility on Île Royale. They captured an experimental nuclear reactor.

lowercased: the foreign legion commandos are facing another great challenge. this time an international team will go to french guiana to secure the region. the mercenaries of general mendoza targeted a research facility on île royale. they captured an experimental nuclear reactor.


text:
Congratulations to Chris Bailey for 20 year of service with the Riverwood Squadron of the Australian Air League!
We would like to express our appreciation for the wonderful contribution you made to our 50th Wedding Anniversary last Saturday. Your repertoire was amazing and the performance of the music you selected was just brilliant.
All our guests greatly appreciated your music. Thank you for playing requests from our friends and family. Thank you for the fantastic atmosphere you created. You made our day.

lowercased:
congratulations to chris bailey for 20 year of service with the riverwood squadron of the australian air league!
we would like to express our appreciation for the wonderful contribution you made to our 50th wedding anniversary last saturday. your repertoire was amazing and the performance of the music you selected was just brilliant.
all our guests greatly appreciated your music. thank you for playing requests from our friends and family. thank you for the fantastic atmosphere you created. you made our day.


text:
The end of the Dingle Peninsula is the most westerly point in mainland Ireland. Which means it is also the furthest it is possible to get from Britain. It has one obvious cultural distance too, being a Gaeltacht region. And as with most of the Atlantic coast, the eye and the mind stretch not east, but west towards the Ocean and, eventually, America. Yet despite its distance from Britain, Dingle manages to sustain its own Arsenal Supporters’ Club.
Even where Ireland is at its most culturally and geographically removed from Britain, there is deep knowledge, intimacy even. It has taken the state a long time to come to relaxed terms with that intimacy, and what it means for the north east corner of the island – where the sense of intimacy is different still.
The most easterly point on the island of Ireland is near Ballyhalbert, on the Ards Peninsula, which is most certainly not a Gaeltacht region, but rather a stronghold of the Ulster Scots dialect (or language, as some still insist). At Slea Head on the Dingle Peninsula, you can look out at the Blasket Islands, the last few clumps of land before you get to Newfoundland. At Burr Point near Ballyhalbert you can, on a clear day, see Scotland. Even centuries ago, Ulster Scots settlers would take day trips by boat back across the north channel to Galloway.
Who we are, and even where we are, are not settled things, and the Brexit process is ruthlessly exposing the connections and contradictions that exist between these islands. These are the central dilemma of Brexit – and have been since the beginning of the process, even when unnoticed in London.
We have seen Boris Johnson, putative Conservative leader and recently discovered enthusiast for the union between Britain and Northern Ireland, become the champion of an optimistic plan to connect Scotland and the North by bridge. A plan somewhat compromised by both the depth of sea at the relevant stretch and the hundreds, if not thousands, of tonnes of unexploded World War II munitions buried there. It is unlikely that Boris would have developed an interest in Ulster Scots connectivity if the Democratic Unionist Party had not become critical power brokers in the Brexit Parliament.
I was still in Number 10, working as a civil servant on Brexit, when the chaotic general election result of June 2017 made the Brexit process – the formal negotiations on which had yet to actually begin – almost impossible for Theresa May to navigate based on the red lines she had set and the probable red lines of the DUP. The party had supported Brexit, and mostly dismissed concerns about its effects on Northern Ireland.
Before the referendum itself, not only had Irish issues been virtually omitted from the referendum campaign, there had been virtually zero practical engagement on the economic, political and, perhaps most importantly, psychological effects of the UK leaving the European Union on not just Northern Ireland, but the entire island.
By the time of the June 2017 election, and the Confidence and Supply deal with the DUP that was its result, the Irish Government had been working for some time on both scoping the scale and range of difficulties that Brexit would present for cross-border economic and cultural activity. This work had been accelerated in the aftermath of May’s Lancaster House speech in January, which explicitly stated the UK would leave the EU Single Market, and heavily hinted that the UK would leave the Customs Union (though it did not explicitly say so).
The truth is that at Lancaster House, and at the Tory conference a few months earlier, where May had given a strident speech setting her initial red lines, Ireland was treated as background, as marginalia. It’s not that officials weren’t working on it, or didn’t care, but there was virtually no one in Whitehall, or indeed the broader commentariat, who placed it at the centre of the Brexit puzzle. The quirk of my biography meant I was repetitive on the subject, particularly before the referendum – afterwards, there were fewer opportunities to do even that, with decisions made in smaller circles.
The Lancaster House speech set out a list of broad negotiating priorities, of which one was protection of the Common Travel Area. The CTA, which more or less provides for free movement of people between Britain and Ireland, is not a single free-standing treaty that can be viewed in an archive. Like the relationship between Britain and Ireland, it is tangled in a set of legislative fixes and administrative conventions that evolved to order to manage the contradictory relationship between the two islands. Brexiteer MPs during the referendum, and even some ministers afterwards, imbued it with a power that is not borne out by real life. If, for example, they had travelled to Ireland more, they would know that passengers on all British flights into the Republic’s airports have their passports checked.
Untangling the mess of the CTA and putting it into a practical order so that the immigration border will remain relatively seamless even in a no-deal scenario has been an exhausting task for officials in London and Dublin, but it has been exponentially easier than dealing with the border in goods and services. For the first year after the referendum, UK policy in relation to the goods border hovered around vague, aspirational statements that avoided engaging directly on substance. May repeatedly talked of never returning to the “borders of the past” but with no explanation of which particular borders, and there was zero public engagement with the practical challenges created by a harder regulatory border to, for example, cross-border cancer care.
In all of these areas, the Irish Government was far ahead of the UK in scoping the practical effects of the hard Brexit the British prime minister had outlined, and then in constructing a diplomatic means to mitigate them – what has become known as the backstop. The advantage they had was in part the same strange intimacy manifested in the existence of the Dingle Arsenal Supporters’ Club: a deep knowledge of the other island, much deeper than that going the other way, and historical preoccupation with how the actions of the bigger island impacts on the other.
But at the other end of the island, in the DUP and Leave-voting constituency in which Ballyhalbert sits, the DUP’s core vote is concerned less with connections across the island of Ireland but its connections to the other island, both political and psychological. And that is a large part of the explanation for why the DUP will probably never budge on the backstop.
Before Brexit, many thought we had come close to settling contradictory questions about who we are and where we are. It may be that we had just stopping asking the questions for a while.

lowercased:
the end of the dingle peninsula is the most westerly point in mainland ireland. which means it is also the furthest it is possible to get from britain. it has one obvious cultural distance too, being a gaeltacht region. and as with most of the atlantic coast, the eye and the mind stretch not east, but west towards the ocean and, eventually, america. yet despite its distance from britain, dingle manages to sustain its own arsenal supporters’ club.
even where ireland is at its most culturally and geographically removed from britain, there is deep knowledge, intimacy even. it has taken the state a long time to come to relaxed terms with that intimacy, and what it means for the north east corner of the island – where the sense of intimacy is different still.
the most easterly point on the island of ireland is near ballyhalbert, on the ards peninsula, which is most certainly not a gaeltacht region, but rather a stronghold of the ulster scots dialect (or language, as some still insist). at slea head on the dingle peninsula, you can look out at the blasket islands, the last few clumps of land before you get to newfoundland. at burr point near ballyhalbert you can, on a clear day, see scotland. even centuries ago, ulster scots settlers would take day trips by boat back across the north channel to galloway.
who we are, and even where we are, are not settled things, and the brexit process is ruthlessly exposing the connections and contradictions that exist between these islands. these are the central dilemma of brexit – and have been since the beginning of the process, even when unnoticed in london.
we have seen boris johnson, putative conservative leader and recently discovered enthusiast for the union between britain and northern ireland, become the champion of an optimistic plan to connect scotland and the north by bridge. a plan somewhat compromised by both the depth of sea at the relevant stretch and the hundreds, if not thousands, of tonnes of unexploded world war ii munitions buried there. it is unlikely that boris would have developed an interest in ulster scots connectivity if the democratic unionist party had not become critical power brokers in the brexit parliament.
i was still in number 10, working as a civil servant on brexit, when the chaotic general election result of june 2017 made the brexit process – the formal negotiations on which had yet to actually begin – almost impossible for theresa may to navigate based on the red lines she had set and the probable red lines of the dup. the party had supported brexit, and mostly dismissed concerns about its effects on northern ireland.
before the referendum itself, not only had irish issues been virtually omitted from the referendum campaign, there had been virtually zero practical engagement on the economic, political and, perhaps most importantly, psychological effects of the uk leaving the european union on not just northern ireland, but the entire island.
by the time of the june 2017 election, and the confidence and supply deal with the dup that was its result, the irish government had been working for some time on both scoping the scale and range of difficulties that brexit would present for cross-border economic and cultural activity. this work had been accelerated in the aftermath of may’s lancaster house speech in january, which explicitly stated the uk would leave the eu single market, and heavily hinted that the uk would leave the customs union (though it did not explicitly say so).
the truth is that at lancaster house, and at the tory conference a few months earlier, where may had given a strident speech setting her initial red lines, ireland was treated as background, as marginalia. it’s not that officials weren’t working on it, or didn’t care, but there was virtually no one in whitehall, or indeed the broader commentariat, who placed it at the centre of the brexit puzzle. the quirk of my biography meant i was repetitive on the subject, particularly before the referendum – afterwards, there were fewer opportunities to do even that, with decisions made in smaller circles.
the lancaster house speech set out a list of broad negotiating priorities, of which one was protection of the common travel area. the cta, which more or less provides for free movement of people between britain and ireland, is not a single free-standing treaty that can be viewed in an archive. like the relationship between britain and ireland, it is tangled in a set of legislative fixes and administrative conventions that evolved to order to manage the contradictory relationship between the two islands. brexiteer mps during the referendum, and even some ministers afterwards, imbued it with a power that is not borne out by real life. if, for example, they had travelled to ireland more, they would know that passengers on all british flights into the republic’s airports have their passports checked.
untangling the mess of the cta and putting it into a practical order so that the immigration border will remain relatively seamless even in a no-deal scenario has been an exhausting task for officials in london and dublin, but it has been exponentially easier than dealing with the border in goods and services. for the first year after the referendum, uk policy in relation to the goods border hovered around vague, aspirational statements that avoided engaging directly on substance. may repeatedly talked of never returning to the “borders of the past” but with no explanation of which particular borders, and there was zero public engagement with the practical challenges created by a harder regulatory border to, for example, cross-border cancer care.
in all of these areas, the irish government was far ahead of the uk in scoping the practical effects of the hard brexit the british prime minister had outlined, and then in constructing a diplomatic means to mitigate them – what has become known as the backstop. the advantage they had was in part the same strange intimacy manifested in the existence of the dingle arsenal supporters’ club: a deep knowledge of the other island, much deeper than that going the other way, and historical preoccupation with how the actions of the bigger island impacts on the other.
but at the other end of the island, in the dup and leave-voting constituency in which ballyhalbert sits, the dup’s core vote is concerned less with connections across the island of ireland but its connections to the other island, both political and psychological. and that is a large part of the explanation for why the dup will probably never budge on the backstop.
before brexit, many thought we had come close to settling contradictory questions about who we are and where we are. it may be that we had just stopping asking the questions for a while.


text:
As this is the first link party, there aren’t any features this week but stop back next week to see the wonderful features.
Follow Sweet 2 Eat Baking via RSS or e-mail. If you’d like, you can also follow us on Twitter, Pinterest, and Facebook . Other social networking links are to the right of the above graphic.
congrats on your new party!
Thanks for the invite to your 1st link party how exciting!
Congrats on starting your own linky party! So happy to participate!!!
Congrats on your first party–thanks for inviting me. Looks like there are plenty of goodies to check out!
So glad I saw your party in the feed. I’ll add the party to my page. Thanks for the party, Lisa. Have a great week!
I’m already starting to think about my holiday treats list. I think it gets bigger every year!
Congratulations on your new party and thanks for the invite!!
P.S. The link you have to place at the bottom of the post does not work correctly. I tried to add it to my blog post several times and it didn’t work.
Thanks so much for letting me know Pam. I’ve fixed the code up now.
Thanks for linking up too.
Congratulations on your first link party!!! I am happy to be here supporting you. Thank you for hosting!!!
These are all awesome, thanks so much for hosting and for inviting me.
This is going to be a great link party! I can just feel it!

lowercased:
as this is the first link party, there aren’t any features this week but stop back next week to see the wonderful features.
follow sweet 2 eat baking via rss or e-mail. if you’d like, you can also follow us on twitter, pinterest, and facebook . other social networking links are to the right of the above graphic.
congrats on your new party!
thanks for the invite to your 1st link party how exciting!
congrats on starting your own linky party! so happy to participate!!!
congrats on your first party–thanks for inviting me. looks like there are plenty of goodies to check out!
so glad i saw your party in the feed. i’ll add the party to my page. thanks for the party, lisa. have a great week!
i’m already starting to think about my holiday treats list. i think it gets bigger every year!
congratulations on your new party and thanks for the invite!!
p.s. the link you have to place at the bottom of the post does not work correctly. i tried to add it to my blog post several times and it didn’t work.
thanks so much for letting me know pam. i’ve fixed the code up now.
thanks for linking up too.
congratulations on your first link party!!! i am happy to be here supporting you. thank you for hosting!!!
these are all awesome, thanks so much for hosting and for inviting me.
this is going to be a great link party! i can just feel it!


text:
You’ll be proud to give this beautiful and authentic gift made in Australia that shows off our bright colours in a tasteful way – no explanation or gift wrapping required!
This beautiful set of 3 soaps include luxurious, unique native Australian ingredients including Lilly Pilly, Desert Lime, and Desert Peach.
Each soap is wrapped with featured artwork from Artists of Ampilatwatja including Betty Pula Morton’s ‘My Country’ and ‘Bush Medicine’, and Daisy Kermarre Moss’s ‘My Mother’s Country’.

lowercased:
you’ll be proud to give this beautiful and authentic gift made in australia that shows off our bright colours in a tasteful way – no explanation or gift wrapping required!
this beautiful set of 3 soaps include luxurious, unique native australian ingredients including lilly pilly, desert lime, and desert peach.
each soap is wrapped with featured artwork from artists of ampilatwatja including betty pula morton’s ‘my country’ and ‘bush medicine’, and daisy kermarre moss’s ‘my mother’s country’.


text:
A Million Ways To Break Is Back again!
This time we've traveled all the way to the dusty crates of the Far East and dug out a selection of ALL JAPANESE drum breaks!
If you enjoyed the previous volumes of A Million Ways, you already know what it brings, beautifully sampled and pre-chopped drum breaks for your sampling pleasure. A Million Ways To Break Volume 3 features 25 more drum breaks chopped down into 224 separate wav files!
If you are new to A Million Ways To Break, don't forget to check out our A Million Ways To Break Bundle!
25 drum breaks, broken down into 224 separate samples.
A Million Ways To Break Volume 3 - All Japan Edition has a rating of 3.0 stars based on 2 reviews.

lowercased:
a million ways to break is back again!
this time we've traveled all the way to the dusty crates of the far east and dug out a selection of all japanese drum breaks!
if you enjoyed the previous volumes of a million ways, you already know what it brings, beautifully sampled and pre-chopped drum breaks for your sampling pleasure. a million ways to break volume 3 features 25 more drum breaks chopped down into 224 separate wav files!
if you are new to a million ways to break, don't forget to check out our a million ways to break bundle!
25 drum breaks, broken down into 224 separate samples.
a million ways to break volume 3 - all japan edition has a rating of 3.0 stars based on 2 reviews.


text:
Excellent service and very professional. Car in perfect conditions and very polite and safe driver.
The agency organized accommodation and safari tour for us too and the deal proposed was of excellent value for money.

lowercased:
excellent service and very professional. car in perfect conditions and very polite and safe driver.
the agency organized accommodation and safari tour for us too and the deal proposed was of excellent value for money.