text:
Reminiscent of biting in to a slice of your grandma's cherry pie, this wonderful wine treats you to the heady aroma of red cherry. Not too sweet or too tart, you will receive many compliments when you serve Jubilee at your parties.
The deep, luxurious bluish/purple color of Out of the Blue tempts your senses and invites you to explore the wine further. Swirl a little in the glass and breathe deeply to enjoy the intense blueberry & blackberry experience that awaits you upon the first sip. Serve at room temperature with your appetizers or with dessert.
Maintaining the right balance between sweet and tart, this versatile wine made from pure cranberry juice is a perfect accompaniment to blue cheese, duck, turkey, and chocolate desserts.
This sweet apple wine is made from locally grown apples from Stone Apple Barn and is pressed into pure cider. Serve chilled for a taste like a fresh, crisp apple right off the tree.

tokenized:
Reminiscent of biting in to a slice of your grandma 's cherry pie , this wonderful wine treats you to the heady aroma of red cherry . Not too sweet or too tart , you will receive many compliments when you serve Jubilee at your parties .
 The deep , luxurious bluish / purple color of Out of the Blue tempts your senses and invites you to explore the wine further . Swirl a little in the glass and breathe deeply to enjoy the intense blueberry & blackberry experience that awaits you upon the first sip . Serve at room temperature with your appetizers or with dessert .
 Maintaining the right balance between sweet and tart , this versatile wine made from pure cranberry juice is a perfect accompaniment to blue cheese , duck , turkey , and chocolate desserts .
 This sweet apple wine is made from locally grown apples from Stone Apple Barn and is pressed into pure cider . Serve chilled for a taste like a fresh , crisp apple right off the tree .


text: Sterne Hotel Turkei Lara is free HD wallpaper. This wallpaper was upload at April 26, 2019 upload by admin in .You can download it in your computer by clicking resolution image in Download by size:. Don't forget to rate and comment if you interest with this wallpaper.

tokenized: Sterne Hotel Turkei Lara is free HD wallpaper . This wallpaper was upload at April 26 , 2019 upload by admin in .You can download it in your computer by clicking resolution image in Download by size : . Do n't forget to rate and comment if you interest with this wallpaper .


text:
LifeMed's on-demand ground ambulance service is a necessary part of the medical transportation infrastructure in Southcentral Alaska. Our Advanced Life Support (ALS) providers perform transport between medical and long-term care facilities, and provide the ground transportation between the airport and hospital for LifeMed and other air ambulance providers. LifeMed’s ALS-staffed ground ambulances are dispatched by the Anchorage Fire Department’s Dispatch Center.
Service Area: Municipality of Anchorage, north to Houston, south to Seward and the Kenai area.
"Thank you LifeMed. Thank you LifeMed pilots. Thank you for the services you provide for YK. You are all awesome! God bless you..." - Toksook Bay Healthaide.
pilots and mechanics provided by Air Methods, Aero Air, Grant Aviation and Classic Aviation.

tokenized:
LifeMed 's on - demand ground ambulance service is a necessary part of the medical transportation infrastructure in Southcentral Alaska . Our Advanced Life Support ( ALS ) providers perform transport between medical and long - term care facilities , and provide the ground transportation between the airport and hospital for LifeMed and other air ambulance providers . LifeMed ’s ALS - staffed ground ambulances are dispatched by the Anchorage Fire Department ’s Dispatch Center .
 Service Area : Municipality of Anchorage , north to Houston , south to Seward and the Kenai area .
 " Thank you LifeMed . Thank you LifeMed pilots . Thank you for the services you provide for YK . You are all awesome ! God bless you ... " - Toksook Bay Healthaide .
 pilots and mechanics provided by Air Methods , Aero Air , Grant Aviation and Classic Aviation .


text:
What Impact Will a 9% Drop in Profits Have On Your Organization?
Unless your Supply Management organization takes it to the next level, your company is facing a 9% drop in corporate profits this year due to rising prices and other inflationary pressure according to a recent Hackett Group study. For a typical Global 1000 company with 27.8 billion in revenue, Hackett’s study estimated that commodity and offshore labor inflation will drive a 150 million per year hit to the bottom line. Ouch!
Why? While most companies are now able to effectively anticipate commodity price increases, more than 60% of companies surveyed by Hackett in the recent study have not been successful at mitigating these cost increases. The reality is that few executives have experienced significant inflation, which is now at levels not seen in 30 years (when inflation rates hovered around 13% back in 1981).
And while inflation may not yet be at 13%, it is bad. Not only do respondents to the Hackett study expect the rate of inflation for commodities overall to rise by more than 30%, to 6.3% a year, but commodity price volatility has increased nearly 60% since before the recession. Making matters worse, at the same time, due to the talent crunch, the rate for internal labor is expected to more than triple from 0.7% to 2.2% and the rate of inflation for external labor is expected to more than double from 1.2% to 3%.
This entry was posted in Analyst, Economics on June 30, 2011 by thedoctor.
Regular readers of SI will know the importance of good should-cost modeling (which is also great for negotiations) as well as good market intelligence (which has dimensions and is valuable in a down economy) in cost reduction and avoidance. And while both should-cost modelling and market intelligence have a number of critical requirements that must be met for success, they both have one key requirement in common — good data. But where do you get good data? Certainly not from supplier bids! A new supplier is going to bid what it thinks it can get, not what the actual price is. Market indices from governments and professional associations? Better, but they will typically be at least a month or so behind. Trade associations that track and monitor prices on a daily basis or stock markets that trade the commodity? Great — but do you have the IT skills to integrate the feeds? And are you going to do it for the dozens of raw materials and commodities you need to build your should cost models?
To help their clients understand the data, Mintec provides a data analysis package, called Datagain, which can be used to import, graph, analyze, and compare different line items (such as the petrol price in the UK and the petrol price in Australia, normalized to US dollars). A user can graph any set of series, against any frequency, using any (currency and unit) converions, for any date range she chooses. She can also normalize or index this data using a custom formula, factor in seasonality, and plot trends. She can also break the series down across two or four graphs and/or plot specific subseries, against different projections, to see how the price might trend over time under different assumptions. The normalization / indexing equations can use all of the standard algebraic operators and be defined over any set of variables, including user defined variables, that the user chooses.
If the user is not sophisticated at trend analysis, or does not want to do it, Mintec also offers Benchmarking and Market (Intelligence) Report services that do a deep dive into a particular raw material, commodity, or service that discuss recent, current, and projected pricing subject to the state of the market and the dominant factors at play. These, by request, reports complement the monthly market reports and commodity fact sheets that track the major commodities and markets and their relative month-over-month changes for buyers who want to look at the bigger picture. If the user wants to learn more about Datagain, analysis, and should-cost modeling, Mintec also provides on-demand out-of-the-box and customized training sessions as well as quarterly newsletters and occasional articles.
It’s a huge amount of data, that comes at a very low price point. Most customers pay less than 100K £s for access to the data they need, when they need it, updated as often as they like. Moreover, medium-sized business can get basic access (to the datafeeds) and access to the desktop Datagain tool for as little as 10K £s a year. Large enterprises will probably want the on-line hosted applet version (at the higher price-point) that runs through the browser on a hosted database that is accessible anywhere, anytime, and always up to date. While it is more expensive, it’s still cheap compared to what the organization will be paying for their ERP solution (and much more valuable from a cost avoidance perspective).
This entry was posted in Best Practices, Market Intelligence on June 30, 2011 by thedoctor.
TMS Requires 100 Million, Does ERP Require 1 Billion?
Ben Pivar, Vice President and North American Supply Chain Lead for Capgemini regarding Transportation Management Systems (TMS) Pivar says that the economics of installing a TMS package on a client server, for example, doesn’t really work until you have nearly $100 million in freight spend and that’s why on-demand is so popular in that space.
SI has to agree. Unless a firm has tens of millions in freight spend, the costs of installation, maintenance, and usage tend to dwarf the benefits of using a TMS system. However, what’s even more important to note is that enterprise ERP (from a top vendor) is, on average, at least five, if not (usually) ten times, more expensive to install, integrate, maintain, and use than TMS. This would seem to indicate that the economics of traditional ERP don’t make sense unless your company has 1 Billion in spend, or at least 1 Billion in revenue. In other words, unless you’re a member of the Fortune 2000 or Global 3000, traditional end-to-end on-premise enterprise ERP is probably not for you. And it would appear that Oracle, one of the largest players, tends to agree. Why do you think it has advertisements stating it has 98% of the Fortune 500? It’s not just because the Fortune X, it’s target market, provide it with its biggest deals. It’s because Oracle also understands that unless a company has reached a critical mass, given the cost of the system, the company won’t get the advertised return (which is a key to keeping the company as a high-paying customer year after year).
However, every organization needs a good transaction store and data repository as analysis is key to supply management success. So what does this mean if you’re not one of the lucky ones? Don’t look at a a tradtional on-premise end-to-end ERP from a big boy. Look at either a newer, smaller, slimmed down offering from a smaller player, possibly based on an open-source solution (like Compiere), a suite from a provider that maintains its own transaction store, or a newer, slimmed down, SaaS offering from a traditional provider that can integrate with some BoB solutions in the cloud and offer an effective hybrid solution. Just don’t go for the billion-dollar solution, because your organization likely won’t get a return from the millions it will cost.
This entry was posted in Inventory, Logistics, Technology on June 29, 2011 by thedoctor.
Check out the live debate in two hours (@ 2pm EDT) between Paul Martyn, VP of Supply Strategy at BravoSolution, and Howard Coleman, principal of MCA Associates, to find out.
This entry was posted in Uncategorized on June 29, 2011 by thedoctor.
As per yesterday’s post, it’s been less than five months since we last checked in with Trade Extensions, who had traded up to a Fact Sheet User Interface and added a slew of new features, including improved RFI support, multi-dimensional rankings in e-Negotiation, Google Earth integration, new incumbent rules, and an OLAP foundation to reporting, including the implementation of a new n-way comparison report. Since then, Trade Extensions has been on a tear to add new functionality as fast as it can to make the platform not only one of the most powerful expressive bidding optimization platforms on the planet, but also one of the easiest to use — listening to its users (which include the Fortune 1000) and adding features and functions that make an average buyer’s life easier, taking usability to a whole new level yet again. And while earth-shattering technology improvements are cool, it is usability that is the ultimate key to to adoption, use, and, ultimately, cost avoidance and reduction in your sourcing organization.
Not only are there new rules that allow partial awards to be fixed based upon existing scenarios, but the number of constraint categories has doubled. While there were only general and incumbent constraints in the past, there are now an entire category of scenario reference rules and post processing rules. With respect to scenario reference rules, not only can allocations be kept, but bids can be favoured or penalized as well. The post-processing rules are also quite useful. Allocations can automatically be rounded and allocations that don’t meet a minimum number of units can be removed (or re-assigned to the supplier who meets a minimum allocation with the lowest total cost).
The buyer now has fine-grained control over what the supplier sees, and can even mix feedback types. For example, if the buyer only wants the top three suppliers to know they are top three, but suppliers four to six to know their exact rank, they can specify that specific rank starts at bidder four, and the top bidders default to “top 3”. In addition, if the supplier does not meet a minimum bid increment, which can be defined in a number of ways (including, minimum dollar or % decrease over last bid), the supplier gets a nice red error that the bid is not acceptable AND a message indicating the minimum increment required. Finally, and this is really cool, the user can define custom color-coded bid feedback fields based on dynamic formulas that now only let the user know where they rank, but how competitive their bid is (against the current bids from the competition) in English using a buyer defined scale such as “Competitive”, “Slightly Competitive”, “Not Competitive”, and “Not Acceptable”.
Plus, the buyer can now chat with users online in an integrated IM client, and immediately see who is online when they log in as it is a widget on their project management dashboard.
The “dashboards” for RFX and auction phases have also improved. The summary, bidder summary, and lot summary are now completely customizeable by the user, support custom fields, and user-defined colour codings in the rankings. In addition, there is integrated show/hide, drill-down functionality, and customizeable pop-up (bid, trend, and bidder activity) charts where a user can select one, some, or all of the rows in each report.
All and all, it’s a lot of new functionality in a short time frame that makes the tool extremely useable by an average buyer.
This entry was posted in Decision Optimization, Spend Analysis, Technology on June 29, 2011 by thedoctor.

tokenized:
What Impact Will a 9 % Drop in Profits Have On Your Organization ?
 Unless your Supply Management organization takes it to the next level , your company is facing a 9 % drop in corporate profits this year due to rising prices and other inflationary pressure according to a recent Hackett Group study . For a typical Global 1000 company with 27.8 billion in revenue , Hackett ’s study estimated that commodity and offshore labor inflation will drive a 150 million per year hit to the bottom line . Ouch !
 Why ? While most companies are now able to effectively anticipate commodity price increases , more than 60 % of companies surveyed by Hackett in the recent study have not been successful at mitigating these cost increases . The reality is that few executives have experienced significant inflation , which is now at levels not seen in 30 years ( when inflation rates hovered around 13 % back in 1981 ) .
 And while inflation may not yet be at 13 % , it is bad . Not only do respondents to the Hackett study expect the rate of inflation for commodities overall to rise by more than 30 % , to 6.3 % a year , but commodity price volatility has increased nearly 60 % since before the recession . Making matters worse , at the same time , due to the talent crunch , the rate for internal labor is expected to more than triple from 0.7 % to 2.2 % and the rate of inflation for external labor is expected to more than double from 1.2 % to 3 % .
 This entry was posted in Analyst , Economics on June 30 , 2011 by thedoctor .
 Regular readers of SI will know the importance of good should - cost modeling ( which is also great for negotiations ) as well as good market intelligence ( which has dimensions and is valuable in a down economy ) in cost reduction and avoidance . And while both should - cost modelling and market intelligence have a number of critical requirements that must be met for success , they both have one key requirement in common — good data . But where do you get good data ? Certainly not from supplier bids ! A new supplier is going to bid what it thinks it can get , not what the actual price is . Market indices from governments and professional associations ? Better , but they will typically be at least a month or so behind . Trade associations that track and monitor prices on a daily basis or stock markets that trade the commodity ? Great — but do you have the IT skills to integrate the feeds ? And are you going to do it for the dozens of raw materials and commodities you need to build your should cost models ?
 To help their clients understand the data , Mintec provides a data analysis package , called Datagain , which can be used to import , graph , analyze , and compare different line items ( such as the petrol price in the UK and the petrol price in Australia , normalized to US dollars ) . A user can graph any set of series , against any frequency , using any ( currency and unit ) converions , for any date range she chooses . She can also normalize or index this data using a custom formula , factor in seasonality , and plot trends . She can also break the series down across two or four graphs and/or plot specific subseries , against different projections , to see how the price might trend over time under different assumptions . The normalization / indexing equations can use all of the standard algebraic operators and be defined over any set of variables , including user defined variables , that the user chooses .
 If the user is not sophisticated at trend analysis , or does not want to do it , Mintec also offers Benchmarking and Market ( Intelligence ) Report services that do a deep dive into a particular raw material , commodity , or service that discuss recent , current , and projected pricing subject to the state of the market and the dominant factors at play . These , by request , reports complement the monthly market reports and commodity fact sheets that track the major commodities and markets and their relative month - over - month changes for buyers who want to look at the bigger picture . If the user wants to learn more about Datagain , analysis , and should - cost modeling , Mintec also provides on - demand out - of - the - box and customized training sessions as well as quarterly newsletters and occasional articles .
 It ’s a huge amount of data , that comes at a very low price point . Most customers pay less than 100 K £ s for access to the data they need , when they need it , updated as often as they like . Moreover , medium - sized business can get basic access ( to the datafeeds ) and access to the desktop Datagain tool for as little as 10 K £ s a year . Large enterprises will probably want the on - line hosted applet version ( at the higher price - point ) that runs through the browser on a hosted database that is accessible anywhere , anytime , and always up to date . While it is more expensive , it ’s still cheap compared to what the organization will be paying for their ERP solution ( and much more valuable from a cost avoidance perspective ) .
 This entry was posted in Best Practices , Market Intelligence on June 30 , 2011 by thedoctor .
 TMS Requires 100 Million , Does ERP Require 1 Billion ?
 Ben Pivar , Vice President and North American Supply Chain Lead for Capgemini regarding Transportation Management Systems ( TMS ) Pivar says that the economics of installing a TMS package on a client server , for example , does n’t really work until you have nearly $ 100 million in freight spend and that ’s why on - demand is so popular in that space .
 SI has to agree . Unless a firm has tens of millions in freight spend , the costs of installation , maintenance , and usage tend to dwarf the benefits of using a TMS system . However , what ’s even more important to note is that enterprise ERP ( from a top vendor ) is , on average , at least five , if not ( usually ) ten times , more expensive to install , integrate , maintain , and use than TMS . This would seem to indicate that the economics of traditional ERP do n’t make sense unless your company has 1 Billion in spend , or at least 1 Billion in revenue . In other words , unless you ’re a member of the Fortune 2000 or Global 3000 , traditional end - to - end on - premise enterprise ERP is probably not for you . And it would appear that Oracle , one of the largest players , tends to agree . Why do you think it has advertisements stating it has 98 % of the Fortune 500 ? It ’s not just because the Fortune X , it ’s target market , provide it with its biggest deals . It ’s because Oracle also understands that unless a company has reached a critical mass , given the cost of the system , the company wo n’t get the advertised return ( which is a key to keeping the company as a high - paying customer year after year ) .
 However , every organization needs a good transaction store and data repository as analysis is key to supply management success . So what does this mean if you ’re not one of the lucky ones ? Do n’t look at a a tradtional on - premise end - to - end ERP from a big boy . Look at either a newer , smaller , slimmed down offering from a smaller player , possibly based on an open - source solution ( like Compiere ) , a suite from a provider that maintains its own transaction store , or a newer , slimmed down , SaaS offering from a traditional provider that can integrate with some BoB solutions in the cloud and offer an effective hybrid solution . Just do n’t go for the billion - dollar solution , because your organization likely wo n’t get a return from the millions it will cost .
 This entry was posted in Inventory , Logistics , Technology on June 29 , 2011 by thedoctor .
 Check out the live debate in two hours ( @ 2 pm EDT ) between Paul Martyn , VP of Supply Strategy at BravoSolution , and Howard Coleman , principal of MCA Associates , to find out .
 This entry was posted in Uncategorized on June 29 , 2011 by thedoctor .
 As per yesterday ’s post , it ’s been less than five months since we last checked in with Trade Extensions , who had traded up to a Fact Sheet User Interface and added a slew of new features , including improved RFI support , multi - dimensional rankings in e - Negotiation , Google Earth integration , new incumbent rules , and an OLAP foundation to reporting , including the implementation of a new n - way comparison report . Since then , Trade Extensions has been on a tear to add new functionality as fast as it can to make the platform not only one of the most powerful expressive bidding optimization platforms on the planet , but also one of the easiest to use — listening to its users ( which include the Fortune 1000 ) and adding features and functions that make an average buyer ’s life easier , taking usability to a whole new level yet again . And while earth - shattering technology improvements are cool , it is usability that is the ultimate key to to adoption , use , and , ultimately , cost avoidance and reduction in your sourcing organization .
 Not only are there new rules that allow partial awards to be fixed based upon existing scenarios , but the number of constraint categories has doubled . While there were only general and incumbent constraints in the past , there are now an entire category of scenario reference rules and post processing rules . With respect to scenario reference rules , not only can allocations be kept , but bids can be favoured or penalized as well . The post - processing rules are also quite useful . Allocations can automatically be rounded and allocations that do n’t meet a minimum number of units can be removed ( or re - assigned to the supplier who meets a minimum allocation with the lowest total cost ) .
 The buyer now has fine - grained control over what the supplier sees , and can even mix feedback types . For example , if the buyer only wants the top three suppliers to know they are top three , but suppliers four to six to know their exact rank , they can specify that specific rank starts at bidder four , and the top bidders default to “ top 3 ” . In addition , if the supplier does not meet a minimum bid increment , which can be defined in a number of ways ( including , minimum dollar or % decrease over last bid ) , the supplier gets a nice red error that the bid is not acceptable AND a message indicating the minimum increment required . Finally , and this is really cool , the user can define custom color - coded bid feedback fields based on dynamic formulas that now only let the user know where they rank , but how competitive their bid is ( against the current bids from the competition ) in English using a buyer defined scale such as “ Competitive ” , “ Slightly Competitive ” , “ Not Competitive ” , and “ Not Acceptable ” .
 Plus , the buyer can now chat with users online in an integrated IM client , and immediately see who is online when they log in as it is a widget on their project management dashboard .
 The “ dashboards ” for RFX and auction phases have also improved . The summary , bidder summary , and lot summary are now completely customizeable by the user , support custom fields , and user - defined colour codings in the rankings . In addition , there is integrated show / hide , drill - down functionality , and customizeable pop - up ( bid , trend , and bidder activity ) charts where a user can select one , some , or all of the rows in each report .
 All and all , it ’s a lot of new functionality in a short time frame that makes the tool extremely useable by an average buyer .
 This entry was posted in Decision Optimization , Spend Analysis , Technology on June 29 , 2011 by thedoctor .


text:
Windham, ME is in zip code 04062. The current total local sales tax rate in Windham, ME is 5.500%. The 2018 total local sales tax rate was 5.000%.
Windham, ME is in Cumberland County. Windham is in the following zip codes: 04062.

tokenized:
Windham , ME is in zip code 04062 . The current total local sales tax rate in Windham , ME is 5.500 % . The 2018 total local sales tax rate was 5.000 % .
 Windham , ME is in Cumberland County . Windham is in the following zip codes : 04062 .


text:
Traditionally we celebrated the Oktoberfest 2015 in the tent of the Grand Hyatt Hotel. Like always, it was a great fun! This year we had got friends from Frankfurt as visitors here – all of them are heavy fans of our Eintracht!!!
Gimmick of the this years Oktoberfest was that our good old friends, the Oktoberfestband Kirchdorfer gathered for us for a photo. Certainly we gave them the Eintracht Frankfurt flag in their hand as well. As the bandleader Thomas S. Wohlschläger realized what’s going on he just replied very dry: “Grenzwertig!” (It’s on the borderline …) The band asked us also to make pictures without the flag and as a courtesy to our friends we also would like to publish some.
Next year we will certainly celebrate in our hangout again! We are looking forward to see our Frankfurter friends again and of course to enjoy the fantastic Kirchdorfer’s show!
ps: We love the Oktoberfest but never ever the FC Bayern München!
Beduine Anna wishes you Happy Easter!

tokenized:
Traditionally we celebrated the Oktoberfest 2015 in the tent of the Grand Hyatt Hotel . Like always , it was a great fun ! This year we had got friends from Frankfurt as visitors here – all of them are heavy fans of our Eintracht ! ! !
 Gimmick of the this years Oktoberfest was that our good old friends , the Oktoberfestband Kirchdorfer gathered for us for a photo . Certainly we gave them the Eintracht Frankfurt flag in their hand as well . As the bandleader Thomas S. Wohlschläger realized what ’s going on he just replied very dry : “ Grenzwertig ! ” ( It ’s on the borderline … ) The band asked us also to make pictures without the flag and as a courtesy to our friends we also would like to publish some .
 Next year we will certainly celebrate in our hangout again ! We are looking forward to see our Frankfurter friends again and of course to enjoy the fantastic Kirchdorfer ’s show !
 ps : We love the Oktoberfest but never ever the FC Bayern München !
 Beduine Anna wishes you Happy Easter !


text:
Do you want to know how to start a PT business? If so then thereâs a few things you need to take into consideration. Obviously the first step you will need to move forward is gaining your certificate 3 and 4 in personal training, but itâs what happens both before and after you finish your certification that is most important.
Most RTOs simply donât teach you how to set up a personal training business. They teach you about movement, nutrition, muscle groups and how to train clients, but business systems, marketing, sales and even people skills is seriously lacking in their training of PTs entering into the business world.
Itâs not too dissimilar to a conveyor belt, churning out personal trainers with no real knowledge on how they are going to succeed once they are out in the market place.
In actual fact, if you are looking at how to set up a pt business for success, the planning stages should actually start well before you have finished your qualifications. At least a month out you want to be prepared and ready to hit the ground running so when you do finish, you are ready to go.
Some of the things you need to look at before even finishing your qualifications should be setting up things such as your business name and company registration, your business logo and what type of training model you are planning to implement into your business.
Once you have these things set up, you can then move onto the next stage which would be to set up your online presence. Even if you plan on working out of a gym to start with, you should always be looking at branding yourself and your business, rather than relying on a gym. If you want to know how to set up a PT studio once you leave a gym, the best advice would be to build your brand first so you have an asset you can rebrand into a PT studio.
One of the biggest mistakes a PT can make when learning how to set up a PT business is not branding themselves and their business from day 1. So setting up your social media sites such as a Facebook page, an Instagram account, Youtube channel and website are all essential in branding yourself online and giving people a chance to find and follow you.
The next thing you will need to consider is how to set up PT business systems. The vast majority of PTs when they start training clients, start out by using and tracking their clients with software such as an excel spreadsheet and Google calendars.
In regards to invoicing and accounting, this is usually done through Microsoft Word. This is an extremely messy and unprofessional way to approach your business and one that will waste you a lot of time as you continue your business.
My advice would be to look into a client management software from the beginning. There are many out in the market place such as Client Connect and PT Minder to name just a few. This helps you track all of your clients in the one place, do all your invoicing and tax, scheduling your classes, track the progress of your clients such as their measurements and results etc. which can all be graphed and shared with your clients so they can see the results and improvements they are making.
This also adds a higher level of professionalism to you as a personal trainer as you will be able to offer a better service.
Finally, the real thing you will need to learn if you want to set up a personal training business for success is to get business education. This means mentoring from someone who has been there and knows how to set up pt business systems. This includes crucial things such as marketing, sales, retention and referrals.
Without the knowledge of how to get people through the door, then how to hold onto them and increase the value per client, your business is going to struggle and will ultimately fail. When PTs enter the market place, most of the time they are unaware how competitive the industry is.
Get your business systems in order before day 1 and start understanding how to generate leads. If you need assistance on gaining this education, then there is no better starting place than PT Business Coaches. The Inner Circle Membership offered by PT business coaches is a 12 month program which teaches you everything you need to know about how to set up a personal training business, how to set up PT business systems as well as the key skills of marketing, sales, social media and business growth.
To get access to the PT business coaches program for only $7 please CLICK HERE to find out more.

tokenized:
Do you want to know how to start a PT business ? If so then thereâs a few things you need to take into consideration . Obviously the first step you will need to move forward is gaining your certificate 3 and 4 in personal training , but itâs what happens both before and after you finish your certification that is most important .
 Most RTOs simply donât teach you how to set up a personal training business . They teach you about movement , nutrition , muscle groups and how to train clients , but business systems , marketing , sales and even people skills is seriously lacking in their training of PTs entering into the business world .
 Itâs not too dissimilar to a conveyor belt , churning out personal trainers with no real knowledge on how they are going to succeed once they are out in the market place .
 In actual fact , if you are looking at how to set up a pt business for success , the planning stages should actually start well before you have finished your qualifications . At least a month out you want to be prepared and ready to hit the ground running so when you do finish , you are ready to go .
 Some of the things you need to look at before even finishing your qualifications should be setting up things such as your business name and company registration , your business logo and what type of training model you are planning to implement into your business .
 Once you have these things set up , you can then move onto the next stage which would be to set up your online presence . Even if you plan on working out of a gym to start with , you should always be looking at branding yourself and your business , rather than relying on a gym . If you want to know how to set up a PT studio once you leave a gym , the best advice would be to build your brand first so you have an asset you can rebrand into a PT studio .
 One of the biggest mistakes a PT can make when learning how to set up a PT business is not branding themselves and their business from day 1 . So setting up your social media sites such as a Facebook page , an Instagram account , Youtube channel and website are all essential in branding yourself online and giving people a chance to find and follow you .
 The next thing you will need to consider is how to set up PT business systems . The vast majority of PTs when they start training clients , start out by using and tracking their clients with software such as an excel spreadsheet and Google calendars .
 In regards to invoicing and accounting , this is usually done through Microsoft Word . This is an extremely messy and unprofessional way to approach your business and one that will waste you a lot of time as you continue your business .
 My advice would be to look into a client management software from the beginning . There are many out in the market place such as Client Connect and PT Minder to name just a few . This helps you track all of your clients in the one place , do all your invoicing and tax , scheduling your classes , track the progress of your clients such as their measurements and results etc . which can all be graphed and shared with your clients so they can see the results and improvements they are making .
 This also adds a higher level of professionalism to you as a personal trainer as you will be able to offer a better service .
 Finally , the real thing you will need to learn if you want to set up a personal training business for success is to get business education . This means mentoring from someone who has been there and knows how to set up pt business systems . This includes crucial things such as marketing , sales , retention and referrals .
 Without the knowledge of how to get people through the door , then how to hold onto them and increase the value per client , your business is going to struggle and will ultimately fail . When PTs enter the market place , most of the time they are unaware how competitive the industry is .
 Get your business systems in order before day 1 and start understanding how to generate leads . If you need assistance on gaining this education , then there is no better starting place than PT Business Coaches . The Inner Circle Membership offered by PT business coaches is a 12 month program which teaches you everything you need to know about how to set up a personal training business , how to set up PT business systems as well as the key skills of marketing , sales , social media and business growth .
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Check out the Charleston Parks Conservancy's newest glow-up project at their inaugural Hampton Park culinary event, Shucked + Sauced, Sat. Jan. 26 from 1 to 4 p.m.
The event will take place at the newly renovated Rose Pavilion, a previously unused concession stand that has been "re-envisioned and refurbished through the collaborative efforts of the Charleston Parks Conservancy and the City of Charleston." This space will serve as a gathering spot for community events and park programs.
Conventional wisdom says that oysters are best enjoyed during those months containing the letter "r," making September through April prime oyster season.
Shucked + Sauced was curated by chef Mike Lata of FIG and The Ordinary and will feature bites from The Ordinary, Nico, 167 Raw, Chubby Fish, Rodney Scott's BBQ, Lewis Barbecue, and The Obstinate Daughter in addition to local oysters from Lowcountry Oyster Co., Clammer Dave, Barrier Island Oyster Co., and Lady's Island Oysters. There will be wine, and beer from Holy City Brewing Co., plus beachy Lowcountry tunes from Dallas Baker and Friends.
Lata said in a press release, "This event connects two of my favorite things: oysters and Charleston. Having been here for 20 years, I've seen many changes in Charleston. As the city has grown, development has put a lot of stress on the fishing community. Our local oyster farmers are helping to revitalize our working waterfront, just as the Parks Conservancy works to rejuvenate and preserve our city's public green spaces."
Tickets are $85 and include all food and beverages. All proceeds from this event support the Conservancy and their work renovating and beautifying public parks and green spaces.
More photos from our visit to Lowcountry Oyster Co.

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Check out the Charleston Parks Conservancy 's newest glow - up project at their inaugural Hampton Park culinary event , Shucked + Sauced , Sat . Jan. 26 from 1 to 4 p.m.
 The event will take place at the newly renovated Rose Pavilion , a previously unused concession stand that has been " re - envisioned and refurbished through the collaborative efforts of the Charleston Parks Conservancy and the City of Charleston . " This space will serve as a gathering spot for community events and park programs .
 Conventional wisdom says that oysters are best enjoyed during those months containing the letter " r , " making September through April prime oyster season .
 Shucked + Sauced was curated by chef Mike Lata of FIG and The Ordinary and will feature bites from The Ordinary , Nico , 167 Raw , Chubby Fish , Rodney Scott 's BBQ , Lewis Barbecue , and The Obstinate Daughter in addition to local oysters from Lowcountry Oyster Co. , Clammer Dave , Barrier Island Oyster Co. , and Lady 's Island Oysters . There will be wine , and beer from Holy City Brewing Co. , plus beachy Lowcountry tunes from Dallas Baker and Friends .
 Lata said in a press release , " This event connects two of my favorite things : oysters and Charleston . Having been here for 20 years , I 've seen many changes in Charleston . As the city has grown , development has put a lot of stress on the fishing community . Our local oyster farmers are helping to revitalize our working waterfront , just as the Parks Conservancy works to rejuvenate and preserve our city 's public green spaces . "
 Tickets are $ 85 and include all food and beverages . All proceeds from this event support the Conservancy and their work renovating and beautifying public parks and green spaces .
 More photos from our visit to Lowcountry Oyster Co.


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I once had a dog named Bear. He was a bit of a goofball. As with many dogs, he would eat almost anything. However, he developed a particular liking for the flavor of whipped cream. We bought the kind that was pressurized and thus made a particular sound when squirted from the can -- compressed air volumizing the whipped cream, making it fluffy.
One time a few months after Bear discovered his love of whipped cream, my mom left the door open when shaving her legs. Bear was in a room nearby, and when my mom started squirting shaving cream from the can, which produced that familiar sound, he came running in and started licking the shaving cream right off her legs.
Habit learning can be summarized as the “acquisition of associations between stimuli and responses;” that is, our brains learning to associate causes and effects, enhancing certain neural pathways. To simplify things, let’s just say the brain builds “roads” between various memories, and the more these roads are travelled the easier they become to travel. The more you think something, the easier it is to think it again.6 This happens regardless of why you thought something or if it is correct or incorrect. For instance, being in a bad mood can cause us to have different morals than we’d have when in a good mood.7 From the “bad mood” nodes of our brain, the easiest roads to travel are often those with “bad” morals.
Furthermore, once these paths are created, our subconscious travels them whether we like it or not. They may even form new paths without us knowing -- shortcuts to feelings whose origins are then forgotten, the result of countless choices that we made sometime in the past.8 (I once had a friend who trimmed her nails to calm herself down. She picked up the habit by being calm, then trimming her nails). Even our emotions can manifest as these “unconscious habits.” 9 Let me say that again: our emotions can be habits whose origins we’ve forgotten.
Negative habits can compound themselves by leading to other negative habits, and pretty soon, you’re on a downward spiral with no roads out (literally -- as long as “road” is synonymous with “neural pathway,” of course). When most of your thoughts are negative, you might exhibit symptoms of depression. When most of your thoughts are fearful, you might exhibit symptoms of anxiety.
Replacing the destination of a well-traveled road can be effective as well (we might call this the “bait and switch”).14 For instance, one of the reasons video games are so appealing is because they provide social interaction combined with a challenge. These are both legitimate psychological needs, but it might be that video games aren’t satisfying anymore. We can’t simply replace them with reading a book -- reading isn’t typically either social or challenging -- but we might replace it with a sport. When your brain feels the need for a challenging social activity, it will think video games. But before long, you can have it thinking soccer, and all the associated thoughts along with your new favorite sport.
Habits are both physical as well as mental. Our brain learns from what we think -- consciously or subconsciously -- but we can build new roads for it to travel. Roads that lead to positive thought.
Just don’t get confused between the whipped cream and the shaving cream.
1A. Earling, The Tetris Effect: Do computer games fry your brain? Philadelphia City Paper, March 21, 1996.
2K. Leutwyler, “Tetris Dreams,” scientificamerican.com, October, 2000.
4Stickgold et. al, “Replaying the Game: Hypnagogic Images in Normals and Amnesics.” Science, October 13th, 2000, Volume 290, Issue 5490, pp 350-53.
5Gasbam et. al, “Habit learning and memory in mammals: Behavioral and neural characteristics.” Neurobiology of Learning and Memory, October 2014, Volume 113, pp 198-208.
6Bayley, P, et. al, “Robust habit learning in the absence of awareness and independent of the medial temporal lobe.” Nature. July 2005, Volume 436, pp 550-53.
7Bauml, K.H., et. al, “To push or not to push? Affective influences on moral judgement depend on decision frame.” Cognition, March 2013, Volume 126, Issue 3, pp 373-77.
8Prince, M. The Unconscious: The Fundamentals of Human Personality, Normal and Abnormal. The Macmillan Company, 1914.
9Boorstein, S, et. al, All the Rage: Buddhist Wisdom on Anger and Acceptance. Shambhala Publications, Inc. Boston, MA, 2014, pp 11.
10Nemeth, C.J., et. al, “Creative idea generation: harmony versus stimulation.” European Journal of Social Psychology, 28, 192-99.
11Graybiel, Ann. “Habits, Rituals, and the Evaluative Brain” Annual Review of Neuroscience, July 2008, Volume 31, pp 359-87.
12Emmons, R. A., et. al, Counting blessings versus burdens: An experimental investigation of gratitude and subjective well-being in daily life. Journal of Personality and Social Psychology, 84, 377-89.
13Casey, S. Believe Re-Patterning: The Amazing Technique for “Flipping the Switch” to Positive Thoughts.” Hay House, Inc. Carlsbad, CA, 2012, pp 40.
14Duhigg, C. The Power of Habit: Why We Do What We Do In Life and Business. Random House, Inc., New York.

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I once had a dog named Bear . He was a bit of a goofball . As with many dogs , he would eat almost anything . However , he developed a particular liking for the flavor of whipped cream . We bought the kind that was pressurized and thus made a particular sound when squirted from the can -- compressed air volumizing the whipped cream , making it fluffy .
 One time a few months after Bear discovered his love of whipped cream , my mom left the door open when shaving her legs . Bear was in a room nearby , and when my mom started squirting shaving cream from the can , which produced that familiar sound , he came running in and started licking the shaving cream right off her legs .
 Habit learning can be summarized as the “ acquisition of associations between stimuli and responses ; ” that is , our brains learning to associate causes and effects , enhancing certain neural pathways . To simplify things , let ’s just say the brain builds “ roads ” between various memories , and the more these roads are travelled the easier they become to travel . The more you think something , the easier it is to think it again.6 This happens regardless of why you thought something or if it is correct or incorrect . For instance , being in a bad mood can cause us to have different morals than we ’d have when in a good mood.7 From the “ bad mood ” nodes of our brain , the easiest roads to travel are often those with “ bad ” morals .
 Furthermore , once these paths are created , our subconscious travels them whether we like it or not . They may even form new paths without us knowing -- shortcuts to feelings whose origins are then forgotten , the result of countless choices that we made sometime in the past.8 ( I once had a friend who trimmed her nails to calm herself down . She picked up the habit by being calm , then trimming her nails ) . Even our emotions can manifest as these “ unconscious habits . ” 9 Let me say that again : our emotions can be habits whose origins we ’ve forgotten .
 Negative habits can compound themselves by leading to other negative habits , and pretty soon , you ’re on a downward spiral with no roads out ( literally -- as long as “ road ” is synonymous with “ neural pathway , ” of course ) . When most of your thoughts are negative , you might exhibit symptoms of depression . When most of your thoughts are fearful , you might exhibit symptoms of anxiety .
 Replacing the destination of a well - traveled road can be effective as well ( we might call this the “ bait and switch”).14 For instance , one of the reasons video games are so appealing is because they provide social interaction combined with a challenge . These are both legitimate psychological needs , but it might be that video games are n’t satisfying anymore . We ca n’t simply replace them with reading a book -- reading is n’t typically either social or challenging -- but we might replace it with a sport . When your brain feels the need for a challenging social activity , it will think video games . But before long , you can have it thinking soccer , and all the associated thoughts along with your new favorite sport .
 Habits are both physical as well as mental . Our brain learns from what we think -- consciously or subconsciously -- but we can build new roads for it to travel . Roads that lead to positive thought .
 Just do n’t get confused between the whipped cream and the shaving cream .
 1A. Earling , The Tetris Effect : Do computer games fry your brain ? Philadelphia City Paper , March 21 , 1996 .
 2K. Leutwyler , “ Tetris Dreams , ” scientificamerican.com , October , 2000 .
 4Stickgold et . al , “ Replaying the Game : Hypnagogic Images in Normals and Amnesics . ” Science , October 13th , 2000 , Volume 290 , Issue 5490 , pp 350 - 53 .
 5Gasbam et . al , “ Habit learning and memory in mammals : Behavioral and neural characteristics . ” Neurobiology of Learning and Memory , October 2014 , Volume 113 , pp 198 - 208 .
 6Bayley , P , et . al , “ Robust habit learning in the absence of awareness and independent of the medial temporal lobe . ” Nature . July 2005 , Volume 436 , pp 550 - 53 .
 7Bauml , K.H. , et . al , “ To push or not to push ? Affective influences on moral judgement depend on decision frame . ” Cognition , March 2013 , Volume 126 , Issue 3 , pp 373 - 77 .
 8Prince , M. The Unconscious : The Fundamentals of Human Personality , Normal and Abnormal . The Macmillan Company , 1914 .
 9Boorstein , S , et . al , All the Rage : Buddhist Wisdom on Anger and Acceptance . Shambhala Publications , Inc. Boston , MA , 2014 , pp 11 .
 10Nemeth , C.J. , et . al , “ Creative idea generation : harmony versus stimulation . ” European Journal of Social Psychology , 28 , 192 - 99 .
 11Graybiel , Ann . “ Habits , Rituals , and the Evaluative Brain ” Annual Review of Neuroscience , July 2008 , Volume 31 , pp 359 - 87 .
 12Emmons , R. A. , et . al , Counting blessings versus burdens : An experimental investigation of gratitude and subjective well - being in daily life . Journal of Personality and Social Psychology , 84 , 377 - 89 .
 13Casey , S. Believe Re - Patterning : The Amazing Technique for “ Flipping the Switch ” to Positive Thoughts . ” Hay House , Inc. Carlsbad , CA , 2012 , pp 40 .
 14Duhigg , C. The Power of Habit : Why We Do What We Do In Life and Business . Random House , Inc. , New York .


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We’ve already started the conversation about security— now, let’s focus on loss prevention for businesses. Part of a good risk management strategy is to reduce threats from both outside and inside the organization. This is where video surveillance comes in.
Since their launch in June of 2013, the UCM series has become one of the most popular on-premise IP PBXs in the world. It offers small to medium sized businesses an almost unprecedented unified communications manager (hence the UCM acronym) that gives them access to enterprise-grade voice, video, data and mobility features in an easy-to-setup, easy-to-manage fashion with no licensing or recurring fees.
Back in 2002 when Grandstream was founded, we were one of the first companies in the world to manufacture SIP products – and one of the very first products we made were analog telephone adapters (ATAs). We now have over 15 years of expertise building SIP devices, and we have more experience building VoIP gateways and ATAs than almost any one in the world. Thanks to close relationships with service providers and partners, all of our ATAs and Gateways are not only thoroughly tested within Grandstream, but they are stringently tested with the help from some of the largest service providers in the world. Our devices provide a variety of high-end features and functionalities that allow analog phones not only to be integrated with VoIP networks, but provide VoIP functions for analog devices as well. Let’s take a look at some of the features and functionalities of Grandstream’s gateways and ATAs that you may have missed.
TCP versus UDP for IP Phones: How do you choose?
The internet is like a very crowded Los Angeles highway, but instead of being full of cars, it’s full of information. Due to crowding, this information needs guidance to ensure that it gets where it’s going. This is why transmission protocols exist to make sure the information gets transported as intended.

tokenized:
We ’ve already started the conversation about security — now , let ’s focus on loss prevention for businesses . Part of a good risk management strategy is to reduce threats from both outside and inside the organization . This is where video surveillance comes in .
 Since their launch in June of 2013 , the UCM series has become one of the most popular on - premise IP PBXs in the world . It offers small to medium sized businesses an almost unprecedented unified communications manager ( hence the UCM acronym ) that gives them access to enterprise - grade voice , video , data and mobility features in an easy - to - setup , easy - to - manage fashion with no licensing or recurring fees .
 Back in 2002 when Grandstream was founded , we were one of the first companies in the world to manufacture SIP products – and one of the very first products we made were analog telephone adapters ( ATAs ) . We now have over 15 years of expertise building SIP devices , and we have more experience building VoIP gateways and ATAs than almost any one in the world . Thanks to close relationships with service providers and partners , all of our ATAs and Gateways are not only thoroughly tested within Grandstream , but they are stringently tested with the help from some of the largest service providers in the world . Our devices provide a variety of high - end features and functionalities that allow analog phones not only to be integrated with VoIP networks , but provide VoIP functions for analog devices as well . Let ’s take a look at some of the features and functionalities of Grandstream ’s gateways and ATAs that you may have missed .
 TCP versus UDP for IP Phones : How do you choose ?
 The internet is like a very crowded Los Angeles highway , but instead of being full of cars , it ’s full of information . Due to crowding , this information needs guidance to ensure that it gets where it ’s going . This is why transmission protocols exist to make sure the information gets transported as intended .


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Oakwood Escrow strives to provide our clients with exceptional service. If you should have any complaints or concerns related to your experience with Oakwood, please let us know by completing the following here.
Oakwood Escrow holds a close and personal knowledge that the service we provide is a crucial component to the overall successful closing of a transaction and a direct reflection of any referring source. Oakwood Escrow constantly strives to build better systems and welcomes the opportunity for comment from a consumer willing to help us do so.
The Oakwood Escrow complaint management system was designed to be responsive to consumer complaints. The purpose of this policy is to ensure that every Oakwood team member understands the importance and procedures for receiving, responding, recording and reporting a consumer’s complaint for the ultimate purpose of resolving the issue to the best of our ability.
This policy covers the ways a consumer can submit a complaint to Oakwood, the escalation of a complaint through the appropriate levels of Oakwood and ultimately the recording and reporting requirements once the complaint is received.
4.1.1 The Complaint Resolutions Manager is responsible for being the company’s one directing source for any consumer complaint.
4.1.2 The Complaint Resolutions Manager is responsible for evaluating and distinguishing among inquiries, feedback, and complaints.
4.1.2.1 Categorizing complaints received is critical for meaningful root cause analyses and management reporting. Oakwood’s complaints management program was designed to collect all types of complaint data, even in situations when the complaint does not specifically relate to an escrow service.
4.1.3 The Complaint Resolutions Manager is responsible for directing the consumer through Oakwood’s complaint process and facilitating the consumer to a resolution.
4.1.4 The Complaint Resolution Manager is responsible to notify our regulatory body, the Department of Business Oversight, and if a loan is involved then the corresponding Financial Institution, if the complaint involves a breach of the Oakwood Escrow Inc. Security Agreement or involves complaints of determined misconduct, unfair or deceptive practices, or potential noncompliance with legal and regulatory requirements.
4.2 Tracking and Reporting of Complaint Data.
4.2.1 Oakwood Escrow Inc. maintains documentation on all consumer complaints received and will retain all data collected regarding those complaints for the period of 5 years.
4.3 By asking to speak with a manager or notifying any Oakwood Escrow Inc. employee that they have a complaint.
4.3.1 All Oakwood Escrow employees are instructed to contact a manager as soon as a consumer requests them to do so. If a manager is not immediately available then the Oakwood consumer complaint form should be completed by the person accepting the complaint and emailed to Oakwood Escrow’s Complaint Resolutions Manger.
4.3.2 After accepting and addressing a complaint the manager is to complete and send the Oakwood Consumer Complaint form to the Complaints Resolutions Manager for further processing and recording.
4.3.3 The Complaint Resolution Manager will follow up with the manager and the consumer to ensure the matter has been properly resolved along with reporting the matter if appropriate to the Financial Institution and the Department of Business Oversight.
4.3.4 A response to the consumer from the Compliance Resolutions Manager will be sent within 24 working hours.
4.4 By visiting our ‘Consumer Service Inquiries and Complaints’ form here.
4.4.1 After online submittal the consumer will receive receipt confirmation back via email upon receipt by Oakwood of the consumers complaint.
4.5 Social Media. Oakwood Escrow Inc. consistently monitors the web for any and all comments related to Oakwood Escrow.
4.5.1 If a complaint is noticed then the team member noticing it should complete the consumer complaint form and immediately send it to the Complaint Resolutions Manager.
4.6 DEPARTMENT OF BUSINESS OVERSIGHT (DEPARTMENT) A consumer may submit a complaint for resolution direct to the The Department of Business Oversight.
4.6.1 The Complaint Resolutions Manager will monitor all communication from the DBO and immediately address any complaints received.

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Oakwood Escrow strives to provide our clients with exceptional service . If you should have any complaints or concerns related to your experience with Oakwood , please let us know by completing the following here .
 Oakwood Escrow holds a close and personal knowledge that the service we provide is a crucial component to the overall successful closing of a transaction and a direct reflection of any referring source . Oakwood Escrow constantly strives to build better systems and welcomes the opportunity for comment from a consumer willing to help us do so .
 The Oakwood Escrow complaint management system was designed to be responsive to consumer complaints . The purpose of this policy is to ensure that every Oakwood team member understands the importance and procedures for receiving , responding , recording and reporting a consumer ’s complaint for the ultimate purpose of resolving the issue to the best of our ability .
 This policy covers the ways a consumer can submit a complaint to Oakwood , the escalation of a complaint through the appropriate levels of Oakwood and ultimately the recording and reporting requirements once the complaint is received .
 4.1.1 The Complaint Resolutions Manager is responsible for being the company ’s one directing source for any consumer complaint .
 4.1.2 The Complaint Resolutions Manager is responsible for evaluating and distinguishing among inquiries , feedback , and complaints .
 4.1.2.1 Categorizing complaints received is critical for meaningful root cause analyses and management reporting . Oakwood ’s complaints management program was designed to collect all types of complaint data , even in situations when the complaint does not specifically relate to an escrow service .
 4.1.3 The Complaint Resolutions Manager is responsible for directing the consumer through Oakwood ’s complaint process and facilitating the consumer to a resolution .
 4.1.4 The Complaint Resolution Manager is responsible to notify our regulatory body , the Department of Business Oversight , and if a loan is involved then the corresponding Financial Institution , if the complaint involves a breach of the Oakwood Escrow Inc. Security Agreement or involves complaints of determined misconduct , unfair or deceptive practices , or potential noncompliance with legal and regulatory requirements .
 4.2 Tracking and Reporting of Complaint Data .
 4.2.1 Oakwood Escrow Inc. maintains documentation on all consumer complaints received and will retain all data collected regarding those complaints for the period of 5 years .
 4.3 By asking to speak with a manager or notifying any Oakwood Escrow Inc. employee that they have a complaint .
 4.3.1 All Oakwood Escrow employees are instructed to contact a manager as soon as a consumer requests them to do so . If a manager is not immediately available then the Oakwood consumer complaint form should be completed by the person accepting the complaint and emailed to Oakwood Escrow ’s Complaint Resolutions Manger .
 4.3.2 After accepting and addressing a complaint the manager is to complete and send the Oakwood Consumer Complaint form to the Complaints Resolutions Manager for further processing and recording .
 4.3.3 The Complaint Resolution Manager will follow up with the manager and the consumer to ensure the matter has been properly resolved along with reporting the matter if appropriate to the Financial Institution and the Department of Business Oversight .
 4.3.4 A response to the consumer from the Compliance Resolutions Manager will be sent within 24 working hours .
 4.4 By visiting our ‘ Consumer Service Inquiries and Complaints ’ form here .
 4.4.1 After online submittal the consumer will receive receipt confirmation back via email upon receipt by Oakwood of the consumers complaint .
 4.5 Social Media . Oakwood Escrow Inc. consistently monitors the web for any and all comments related to Oakwood Escrow .
 4.5.1 If a complaint is noticed then the team member noticing it should complete the consumer complaint form and immediately send it to the Complaint Resolutions Manager .
 4.6 DEPARTMENT OF BUSINESS OVERSIGHT ( DEPARTMENT ) A consumer may submit a complaint for resolution direct to the The Department of Business Oversight .
 4.6.1 The Complaint Resolutions Manager will monitor all communication from the DBO and immediately address any complaints received .


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Publishers: Taxes and legalities: What is the license agreement between me and Steady?
HomePublishers: Taxes and legalitiesWhat is the license agreement between me and Steady?
Steady sells membership plans (including your predefined benefits) to your community. The important part of the license agreement is that you give Steady the right to distribute the content and benefits that you defined in your Steady page to your members. The license agreement sets out the compensation you will receive in return.

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Publishers : Taxes and legalities : What is the license agreement between me and Steady ?
 HomePublishers : Taxes and legalitiesWhat is the license agreement between me and Steady ?
 Steady sells membership plans ( including your predefined benefits ) to your community . The important part of the license agreement is that you give Steady the right to distribute the content and benefits that you defined in your Steady page to your members . The license agreement sets out the compensation you will receive in return .


text: Heritage Square Apartments Savannah Ga is free HD wallpaper. This wallpaper was upload at April 25, 2019 upload by admin in .You can download it in your computer by clicking resolution image in Download by size:. Don't forget to rate and comment if you interest with this wallpaper.

tokenized: Heritage Square Apartments Savannah Ga is free HD wallpaper . This wallpaper was upload at April 25 , 2019 upload by admin in .You can download it in your computer by clicking resolution image in Download by size : . Do n't forget to rate and comment if you interest with this wallpaper .


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 This is a full Las Vegas style casino with its own VIP rewards card program , a nice hotel , plenty of slots , table games , and a sportsbook offering football betting .
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IKEA has been started selling home batteries through its home warehouses in the UK. For this purpose, the company associates with Solarcentury, UK’s biggest solar supplier.
PowerWindows can be integrated with SmartWindows.
This is a real PowerWindow Breakthrough. A new generation transparent solar energy generating windows will provide enough power to make buildings energy neutral. The founders: startup Physee settled in Delft (the Netherlands).
The powerwindows have solar cells installed in the edges at a specific angle that allows the incoming solar light to be efficiently transformed into electricity.
With SmartWindow we integrate smart sensors in the window that sense the outside environment. SmartWindows control inside systems, such as Airconditioning and sun blinds, based on information about the outside conditions around the building.
The 2D Perovskite Solar Cell exceeds expectations for solar cell efficiency.
A 2D, layered form of the crystalline material perovskite has become the focus of much excitement in the solar cell research field at the Los Alamos National Laboratory (USA).
The research team intends to lower the integral costs of PV-modules, by developing a worldwide unique AAA-class In-Line steady state solar simulator (ILSS) prototype for the PV-industry that is validated on criteria for test speed (5 modules/minute), test accuracy, heat development, maintenance and lamp replacement costs.
Why do we need an automated test-measurement system for Solar modules? PV-module manufacturers require automated inline testing equipment that provide accurate information about PV-module performance with industrial robustness and low testing cost per module.

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IKEA has been started selling home batteries through its home warehouses in the UK . For this purpose , the company associates with Solarcentury , UK ’s biggest solar supplier .
 PowerWindows can be integrated with SmartWindows .
 This is a real PowerWindow Breakthrough . A new generation transparent solar energy generating windows will provide enough power to make buildings energy neutral . The founders : startup Physee settled in Delft ( the Netherlands ) .
 The powerwindows have solar cells installed in the edges at a specific angle that allows the incoming solar light to be efficiently transformed into electricity .
 With SmartWindow we integrate smart sensors in the window that sense the outside environment . SmartWindows control inside systems , such as Airconditioning and sun blinds , based on information about the outside conditions around the building .
 The 2D Perovskite Solar Cell exceeds expectations for solar cell efficiency .
 A 2D , layered form of the crystalline material perovskite has become the focus of much excitement in the solar cell research field at the Los Alamos National Laboratory ( USA ) .
 The research team intends to lower the integral costs of PV - modules , by developing a worldwide unique AAA - class In - Line steady state solar simulator ( ILSS ) prototype for the PV - industry that is validated on criteria for test speed ( 5 modules / minute ) , test accuracy , heat development , maintenance and lamp replacement costs .
 Why do we need an automated test - measurement system for Solar modules ? PV - module manufacturers require automated inline testing equipment that provide accurate information about PV - module performance with industrial robustness and low testing cost per module .


text:
I believe that humans transferring their minds to digital form is inevitable. In fact, I think it’s precisely the way in which we as a species will achieve immortality.
That’s interesting, of course, but what may be more intriguing is the problem that will come from it. The issue is that once we are digital it will be nearly effortless to replicate us.
Neal Stephenson recently said that games like World of Warcraft are the future of the Metaverse he described. And WoW is a good model for my point as well.
When identities are digital there must be strict, centralized control over that digital reality. Blizzard is God in WoW, as would be expected. They have the power to populate Frostmane with nothing but thousands upon thousands of your character.
Us becoming digitized is inevitable, and as a result we will have to face that problem just as Blizzard has. The question is — who will be our Blizzard? What controlling entity will ensure that there is only one of you in this world? Computer glitches could result in millions of you, or perhaps four — some of which are earlier versions.
If you think the government controls too much of your life now — or that corporations have too much influence over our day-to-day lives today — consider that it will be one of these entities (or some combination thereof) that will control every aspect of who we are: we’ll look like to others, where we can go, what abilities we have, etc.
And while this will be very different than our world today, there will still be corruption and influence from the rich. I cannot help but imagine that corruption in this world will mean the rich will be able to teleport and shoot lighting from their hands, while the poor will have to use public transportation and wait in line at Safeway.
Imagine all the advantages that rich and powerful humans have in this world, and compound them to the limits of our imaginations. Sexual harems, mind control, the ability to take a Google Earth tour by flying like Superman, etc. — these will all be possible inside this other reality. And just as now these things will be restricted and metered out to the masses while being common among the elites.

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I believe that humans transferring their minds to digital form is inevitable . In fact , I think it ’s precisely the way in which we as a species will achieve immortality .
 That ’s interesting , of course , but what may be more intriguing is the problem that will come from it . The issue is that once we are digital it will be nearly effortless to replicate us .
 Neal Stephenson recently said that games like World of Warcraft are the future of the Metaverse he described . And WoW is a good model for my point as well .
 When identities are digital there must be strict , centralized control over that digital reality . Blizzard is God in WoW , as would be expected . They have the power to populate Frostmane with nothing but thousands upon thousands of your character .
 Us becoming digitized is inevitable , and as a result we will have to face that problem just as Blizzard has . The question is — who will be our Blizzard ? What controlling entity will ensure that there is only one of you in this world ? Computer glitches could result in millions of you , or perhaps four — some of which are earlier versions .
 If you think the government controls too much of your life now — or that corporations have too much influence over our day - to - day lives today — consider that it will be one of these entities ( or some combination thereof ) that will control every aspect of who we are : we ’ll look like to others , where we can go , what abilities we have , etc .
 And while this will be very different than our world today , there will still be corruption and influence from the rich . I can not help but imagine that corruption in this world will mean the rich will be able to teleport and shoot lighting from their hands , while the poor will have to use public transportation and wait in line at Safeway .
 Imagine all the advantages that rich and powerful humans have in this world , and compound them to the limits of our imaginations . Sexual harems , mind control , the ability to take a Google Earth tour by flying like Superman , etc . — these will all be possible inside this other reality . And just as now these things will be restricted and metered out to the masses while being common among the elites .


text:
Gibeault Design, located on Boulevard St-Laurent in Montreal, offers an inspiring and architectural universe. With over 30 years of experience in creating high quality spaces, Guy Gibeault and his team combine the functional aesthetics with exclusive products in order to create exceptional residential spaces.
Facebook : Gibeault Design Inc.

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Gibeault Design , located on Boulevard St - Laurent in Montreal , offers an inspiring and architectural universe . With over 30 years of experience in creating high quality spaces , Guy Gibeault and his team combine the functional aesthetics with exclusive products in order to create exceptional residential spaces .
 Facebook : Gibeault Design Inc.


text:
Avianca is based out of Colombia. It is the flag carrier of that country, and has its main hub at the El Dorado International Airport. Avianca is a name given also to its subsidiaries in many other Latin American countries. In total, the airline operates 81 aircraft that fly to 100 destinations.
Avianca passengers fly aboard subsidiary Aviancas on one ticket. The airline is also a member of the Star Alliance. LifeMiles is the company’s frequent flyer program, and functions along the same lines as other programs of its kind, rewarding passengers with “miles” that can be redeemed for free tickets and upgrades.
Avianca serves primarily Latin American routes. They fly to most countries in Latin America, including Brazil, Colombia, Venezuela, Uruguay, Argentina, Peru, Chile, Bolivia, Paraguay, Ecuador, Mexico and Central America. They also have service to many Caribbean Island nations. They fly to the United States and Canada, and to several countries in Europe. The airline has codeshares, partnerships and subsidiaries that maximize the destinations on offer.
Economy Class aboard Avianca is a standard full-service product. Depending on the destination, one may receive more than one hot meal. In-flight entertainment is had via a personal seatback monitor. Some planes have shared drop-down televisions.
Business Class passenger will enjoy upgraded seats with more legroom and width, personal entertainment systems on all aircraft, outlets for electrical devices and complimentary headphones. Meals are also upgraded, and one can earn multiplied miles in Business Class.
Avianca has VIP lounges throughout Colombia. They also offer 18 international lounges. Where there are no lounges, passengers can access Star Alliance member lounges. These are great places to relax in comfort or to work in conference rooms before the flight.
Avianca’s website is well-maintained. It can be found at www.avianca.com.

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Avianca is based out of Colombia . It is the flag carrier of that country , and has its main hub at the El Dorado International Airport . Avianca is a name given also to its subsidiaries in many other Latin American countries . In total , the airline operates 81 aircraft that fly to 100 destinations .
 Avianca passengers fly aboard subsidiary Aviancas on one ticket . The airline is also a member of the Star Alliance . LifeMiles is the company ’s frequent flyer program , and functions along the same lines as other programs of its kind , rewarding passengers with “ miles ” that can be redeemed for free tickets and upgrades .
 Avianca serves primarily Latin American routes . They fly to most countries in Latin America , including Brazil , Colombia , Venezuela , Uruguay , Argentina , Peru , Chile , Bolivia , Paraguay , Ecuador , Mexico and Central America . They also have service to many Caribbean Island nations . They fly to the United States and Canada , and to several countries in Europe . The airline has codeshares , partnerships and subsidiaries that maximize the destinations on offer .
 Economy Class aboard Avianca is a standard full - service product . Depending on the destination , one may receive more than one hot meal . In - flight entertainment is had via a personal seatback monitor . Some planes have shared drop - down televisions .
 Business Class passenger will enjoy upgraded seats with more legroom and width , personal entertainment systems on all aircraft , outlets for electrical devices and complimentary headphones . Meals are also upgraded , and one can earn multiplied miles in Business Class .
 Avianca has VIP lounges throughout Colombia . They also offer 18 international lounges . Where there are no lounges , passengers can access Star Alliance member lounges . These are great places to relax in comfort or to work in conference rooms before the flight .
 Avianca ’s website is well - maintained . It can be found at www.avianca.com .