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TranzLease: A pioneer who is shifting the gears of automobile leasing services for the Indian car buyer with its 'Intelligent Leasing'
The CEO Magazine
04 May, 2018, 5:58 am
TranzLease: A pioneer who is shifting the gears of automobile leasing services for the Indian car buyer with its 'Intelligent Leasing'
"If it is right, then do it; imagine the future, define it and deliver it today."
The preceding mantra is the reminiscence of Anindya Chakraborty's whole journey as an entrepreneur. A re-inventor of corporate automobile leasing services, Anindya's heart beats for two things; automobiles and finance. Back in 2006, when he was chairing as the Deputy CEO of a leading lease company (in Turkey), his entrepreneurial spirit brought him back to the motherland where he set up one of India's leading providers of automobile leasing services to Corporate India, TranzLease. The organization's 12-year old journey in revitalizing corporate automobile leasing services is humongous. From a single-client-single-city (Mumbai) operation to nurturing over 100 clients with a pan India presence, TZL made its entrance in a business environment which was monopolized by global leasing players backed up with very strong financials. Innovations in products along with pricing transparency and ability to tailor the lease to suit the palate of the Indian car consumer have been the hallmarks of TZL. On its mission to craft a 360-degree automotive lifestyle for the Indian car buyer, TZL has crafted its expertise to create financial savings, remove various kinds of risk and provide a hassle-free & trouble-free car experience for the consumers to enjoy.
One Stop Shop for delivering quality and satisfaction with the car at their doorsteps
Purchasing of a vehicle, in today's world, is a complex game including plenty of brainstorming to factor all the needs and scouting the market sources for getting the right mix- the right car manufacturer, the right financier, the right insurance company and so on and so forth. TZL assembles all these requisites under a single roof as customized flexible structures that are just perfect for the consumer. With the evolving car ownership model consumers are waking up to the fact that buying a car means investing in a depreciating asset and is bereft of any of the flexibilities that a consumer will want to have. Options like Ola/Uber (short-term usage), self-drive, ride-share etc. are being favored, contributing to the emerging trend of leasing the car instead of buying it. Lease of the car, in short, is paying for usage but with all benefits of personal ownership along with savings in cash outflow and added qualitative benefits where everything for your car including insurance and full tenor maintenance is taken care of under the lease – the consumer just enjoys the drive.
TZL provides passenger cars on operating lease basis to corporate clients who in turn sustain such vehicles for their employees as part of the overall remuneration structure – such lease is inclusive of the entire automotive lifecycle management chain i.e. TZL services cover car choice advice, procurement, financing, insuring, maintaining and up to final disposal of the car. To the consumer, TZL creates a single window 360-degree automotive solution, which caters in detail to every aspect of car usage and car life cycle.
At TZL the work culture is knowledgeable, open and innovative. Team members are referred to as family members and team-work is given highest prominence – this is implemented in practice through a workflow platform which allows every member to put up their views, discussions etc. on a real-time basis for everybody to share – this allows an open dialogue and often throws up simple solutions to complex problems. The culture is also to inculcate a feeling of leadership – it is said that if TZL provides something to someone, it should be really appreciated by the audience. This creates a drive and a pride in performance and hard work. TZL's hiring plans are circled around sales force or as the company calls, car consultants and fleet management division. The organization is looking ahead to tune up its human resource strength significantlyin the near future.
Top notch client profile (with almost no major client loss in 10 years)
Product Leader and Product Innovator reputation
3 rounds of foreign investments to date
Channel partnership with all car manufacturers
Strategic tie up in 2017-18 with one of the topmost NBFCs in India
Extremely robust and futuristic tech platform with certification for ISO, BCP etc
Expansion Binge
Despite its presence in an industry which is nascent in India TZL is all geared up to expand aggressively not only in the corporate lease space but for the retail Indian car buyers too. The organization will soon be launching a first-of-its-kind "Multi-Brand Personal Car Lease" directly to the individual Indian car buyer in India. Additionally, TZL has invested substantially in technology through a full-fledged in-house software division. The entire operation of the Company is completely digitized and it is the only company which provides its customers with Personal Online Car account through which the entire vehicle & lease lifecycle can be managed. Currently, the Company is undergoing a pivotal transformation and is strategically stepping into its 2nd start-up phase which will witness the launch of a completely different range of products in the market aimed at the retail consumer. With substantial changes in the dynamics of how to use a car TZL's products being launched are just the need of the day – from ownership oriented leasing to usage oriented personal car lease the aim is to change the way Indians buy their cars.TZL management believes that 10 years of challenging but successful operations in association with various constituents of the car ecosystem and dealing day in day out with employees of top most companies in India has given it the required insight and expertise to offer the products of the future within a fast changing global mobilityspace.
Anindya throws some light on TZL's future roadmap, "The car lease product is definitely very popular in many of the developed countries – in India, the thought pattern is changing fast; also the holding period of cars is coming down (from erstwhile 7 to 10 years to 3 to 4 years); consumers are realizing that for depreciating assets it is better to pay for use rather than pay to own. TZL lease products do exactly that and the conviction level at TZL is very high with respect to consumer adoption of its services/products. As a professional, a promoter and as a CEO I always believe to engage in that which really attracts me – automobiles, since I was a kid has been an area of immense interest and thus auto leasing as a business is natural to me and inculcates my inner passion for cars. To develop products and to deliver dream cars to the consumer is an experience I enjoy each time."
"In a few years, we would like to position ourselves as a one stop cost effective solution in the mind of any Indian consumer who is looking for his next car. Today around 3 million new passenger cars are sold per year in India and the industry itself is expected to have a high CAGR of around 8% to 10% – of the new cars sold, around 75% is through the auto loan route. At TZL, the ambition is to create an ecosystem such that around 8% to 10% of the Indian auto loan market shifts to leasing per year."
The Founder's Periscope
Founder, MD & CEO
With a seasoned experience of two decades in automobile leasing, technology architecture, investment banking & corporate finance, Anindya's core expertise lies in developing ideas into structured products that suit the customer needs; he is passionate about automobiles & technology development is a focus area for him. Anindya started his career with PwC and subsequently moved to ME as part of KPMG Corporate Finance. Post KPMG he moved to TII, a boutique investment house as Partner M&A focusing on setting up and acquisition of consumer finance and fleet leasing companies across MENA region. Anindya then structured the acquisition of the 3rd largest leasing company in Turkey & moved to Istanbul as deputy CEO for the acquired co. A charismatic leader of people he currently heads the Company activities as MD/CEO.
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Whether you're a home baker or own your own bakery, our specialist insurance helps you keep your business running.
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Bakery Insurance financially protects your business in the event of an accident like a fire or intentional malicious damage. It also protects your equipment, stock, customers, and staff members too. In a nutshell, bakery insurance is an essential part of running your business.
Every insurance policy for a bakers includes public liability, buildings & contents, employers liability, and product liability cover. This cover protects you against common (and uncommon) accidents as well as malicious damage.
In the past 12 months our customers have paid as little as £235.00*** per annum for bakery insurance.
Almost 65%**** of our bakery customers paid less than £700 per annum in the past 12 months.
Bakeries, much like any other food production businesses, can prove to be high risk environments to work in. Your staff will often need to use expensive pieces of equipment in order to produce all of those baked delights for customers to enjoy. You are also creating food items which are to be sold to the general public, which in itself is another risk area for your business. To help safeguard your business, you will have to adhere to certain health and safety measures however in certain circumstances you will also need to have employers liability cover to protect you by law.
These are just a couple of reasons why it is important for bakeries, whether a small independent outlet or a larger named chain to consider the level of insurance cover that they have in place. In order to be protected correctly, you should talk to an expert about the more specialist policies that you can arrange for your business. These can include cover for your equipment and of course, the products that you sell.
Bakeries have been popular for hundreds of years, whether it is to buy some freshly baked bread, grab a sandwich, hot savouries for lunch or to treat yourself to a fresh cream cake.
The trade itself can take years to master and a bakery can take time and dedication to run. However, if you ask a baker what keeps them going, they are likely to say that it is simply because they love what they do.
When you run any small business, you will have plenty to think about. However, no matter how busy you are, it is important to think about insurance and how best to protect the livelihood that you have worked so hard to create. But don't forget help is at hand – by working with an insurance broker, they can help ease the pressure on you by helping you find the right insurance for your needs, and hopefully saving you precious time too.
*** Data compared from 345 policies sold between November 2017 and November 2018.
**** Based on 345 policies sold between November 2017 and November 2018, 223 customers paid less than £700.
WHAT BAKERY IS FEATURED ON THIS PAGE?
Fullers Bakery has used smei for the last 3 years for business premises insurance. The changeover from our previous insurers was seamless and efficient with queries and special requirements all handled very professionally.


Woojung couple enjoys their leisure time together outside the capsule house while drinking coffee personally made by Jang Woo. The Brave Couple try to give a couple activity a try, which picked out by Won Joon, is sewing. Couples usually leave the show after six months, and this time, a much-anticipated new combination is being introduced. So Hyun then reveals the surprise that she has prepared for her husband, which results in him being very touched. . The programme resumed on 16 June 2012, with production by an outside source.
It turns out that by looking at the age of the blood vessels, that So Hyun is deemed to be 80 years old. The show will be taking a break from the meantime to bring fresh content to its viewers. However, due to low ratings, the show returned to its old format with the addition of a make-believe couple actor and member on 2 August 2009. I feel a little sad when they decided to end the show. More detailed information about cookie management with specific web browsers can be found at the browsers' respective websites. Woojung reveals a mobile home as their first house. However, Won Joon attempts the 'foam kiss,' but also ends up failing.
The success of the earliest and most memorable couples gave people high hopes for the pilot. Once they're home, Won Joon finds out that it's So Hyun's first time making seafood stew. Last year, Tencent announced it was partnering with Capcom for Resident Evil 2. After the sewing lesson, the Brave Couple go to the market to buy something for dinner. The Brave Couple get a mission to go back in time to when they first met in 1993 and go on a date together at an amusement park, while fulfilling five missions.
They also spend the rest of the day doing a hopping tour and also talk about what happens once they return to Korea to officially start their married life. It has the same basic format except that the couples are not 'married' but 'dating'. Eunjung wants to see how good Jang Woo's swimming skills are. Eunjung and Jaemin plan to make her husband jealous. Won Joon and So Hyun then try to convince Jin Pyo and Joon Ryun to leave their children with them while they go off on their date, to which they finally agree to. Woojung couple have their first vacation together to Yeong Deok. At the end of the day, they go home and enjoy wine with ice-cream and a foot bath and is given a new mission.
The tears had a particularly profound impact, as it was the first time that Victoria showed tears in front of her husband. As during the special pilot episode, interviewed participants provide a unique perspective on the ongoing relationship conflicts and developments. Oh Min Suk, who has a dandy image, coupled with Kang Ye Won, who has a bubbly charm, have increased expectations for the show. Or it can be a mid-season update like Vikendi map which came a month after the launch of season 4. After finishing their painting, and being unsatisfied with it, they decide to call Won Joon's brother to get his opinion, to which he gratefully adds some helpful tips.
Later, at their home, Won Joon posts the reports from the health checkup on their wall so that So Hyun will have the motivation to exercise. Enable cookies Change your cookie settings Marketing cookies We need your personal information processed by Google AdSense, Google DoubleClick, and Amazon Associates to personalize ads and, in particular, to ensure that the advertising on our website will be shown primarily to those users who may be interested in advertised content, services and products. It has also been aired for almost 10 years and has been faced with many controversies throughout its run like scandals involving the cast members while their seasons were airing as well as a union issue that relegated the show to airing reruns for some time. While on the train, Won Joon presents So Hyun with the three-tier lunch box again that's filled with fruits and vegetables since So Hyun is not a big breakfast person. However this season start with real life couple Kim Yong Jun and Hwang Jung Eum. They then decide to make things for each other, Won Joon will make So Hyun a purse and So Hyun will make Won Joon pajama pants. The Brave Couples goes to a non-flowering and fruitless agricultural farm where they pick figs—which are actually flowers.
Donc je vous conseil fortement de vous débarrasser des apprioris sur ce programme et vous lancer! The couple continues to cook the food unknowingly that guests are on their way. The cast has been vocal about the possibility that Netflix can just decide to cancel the show, and since the streaming platform is notorious for keeping their viewership data private, it's difficult to gauge how well or poorly Netflix Originals are performing. Guest included who is Won Joon's best friend, who was even the president of a Won Joon fan club, and Hong Rok Ki who is best friends with So Hyun and Won Joon's college senior. So, this makes sense that the zombie mode which is mostly inspired by the resident evil zombie world will come before the release of movie. A royal pass will provide you daily and weekly challenges throughout the season.
The Brave Couple is still enjoying their vacation While they are eating, Jin Pyo talks about Won Joon's aegyo on the phone with his ex-girlfriends, which So Hyun says that she never got any aegyo from him. Fuller House's Potential Season 5 Might Arrive Late 2019 Since Netflix hasn't given a verdict for Fuller House's future, it's difficult to gauge when fans can expect a potential fifth season. The Brave Couple go shopping with the five marriage coupons with an original list in mind, however, once they get there, their list changes and ends up leaning towards all of the items that So Hyun wanted to buy. With a slew of original programming set to debut for the giant streaming platform in the next couple of years, it's possible that the wait time in between seasons for the company's in-house projects can be longer depending on people's response to each shows' previous outings. The withdrawal of consent shall not affect the lawfulness of processing based on consent before its withdrawal. Country: Genres: , , Date aired: May 10, 2008 - Apr 2, 2009 Status: Completed Views: 25,583 Summary: The show pairs up Korean celebrities to show what life would be like if they were married. Chaque couple a un petit quelque chose qui le rend magique.


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Port Authority Men's Black Diamond Jacquard Polo
3-button placket with semi-clear, dyed-to-match buttons
Corresponding Women's Style: Port Authority Women's Black Diamond Jacquard Polo
A polo shirt like the Port Authority Men's Black Diamond Jacquard Polo says a few things about you. It says that you're athletic-they do, after all, share the name of a sport. A polo shirt says you know how to dress up-they do, after all, contain collars. A polo shirt says you know style-well, only if you know where to shop. And this polo isn't a bad place to start. Whether you want to create custom business apparel with your own embroidered logo affixed to these polos or you're just looking for corporate gift ideas, you've found the right place.

redpajama_set_name: RedPajamaCommonCrawl


Eating disorders can happen to anyone, not just teens, not just dancers, but it DOES happen to some dancers because of the pressures around them, in addition to any emotional problems, can cause eating disorders. The videos below are from the PBS series, "Dying to Be Thin".
If you suspect that someone has an eating disorder, that person needs professional help. Tough love or compassion is not the answer. Please seek professional help.


There is a card game called Sentinels of the Multiverse that I absolutely adore. In this card game you can team up with family and friends as superheroes to take down the bad guy. These superheroes each have an unique power to control. This is not what hooked me to the game though.
The background stories behind the cardgame is what did the trick. A whole Multiverse is waiting on their website for you to explore! Each hero has a bio as to why they got into crime-fighting on GreaterthanGames' website. Same goes for the villians!
Sorry, got distracted. The whole reason for this post is that I really love this game. With that being said, it might be no surprise to you that this week I drew some fanart of this precious series.
Absolute Zero got tired of Guise's cool jokes.
Two minions of some pretty nasty villians get into a staring contest.
Do you have a game night with friends/family?
Nice art! My favorite game in the whole multiverse. After three plus years I still can't stop bugging people to play it with me.
Thank you! 😀 Mine too! I would say I have a slight addiction to this game. My friends and I play it almost every Friday.
That would be nice. I wish you luck. 🙂 Tactics is really fun. It's a blast playing as the villains of the multiverse.


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Circular Saw Blade speeds cutting of steel and aluminum.
The M. K. Morse Company May 06, 2003
Morse Metal Devil(TM) is offered in sizes from 5 3/8-14 in. diameter to fit cordless and corded saws. Metallurgy of tungsten and titanium carbide cutting tips virtually eliminates sparks during cutting and minimizes transfer of heat to material being cut. Blades used for cutting steel and thin steel have 0° rake, while blades for cutting softer aluminum, stainless steel, and wood have more forward, positive rake angle and more aggressive tooth shape.
New Metal-Cutting Circular Saw Blade Speeds Cutting of Steel, Thin Steel and Aluminum
CANTON, OH - The M.K. Morse Company has introduced a new metal-cutting circular saw blade that cuts through steel as easily as traditional saw blades cut through soft pine 2x4's. The Morse Metal Devil combines unique metallurgy and a special tooth configuration to cut metal faster, cleaner and cooler than was previously possible. In tests it cut through 6"xl/4" steel plate in an average of less than 12 seconds and 2"x2-1/4" angle iron in less than 6 seconds. The Morse Metal Devil(TM) is available in a wide range of sizes from 5-3/8" diameter to 14" diameter to fit both cordless and corded saws. The unique metallurgy of the tungsten and titanium carbide cutting tips virtually eliminates sparks during cutting and minimizes the transfer of heat to the material being cut. As a result cut parts remain cool to the touch reducing the wait time required to handle parts between cuts. The Morse Metal Devil(TM) works well in most professional quality saws, but reaches its full potential when mounted on special metal-cutting circular saws now available from a variety of manufacturers including The M.K. Morse Company. The blade comes in five basic configurations for cutting steel, aluminum, thin steel, stainless steel and wood. The basic difference between each blade is the number of teeth as well as the shape and rake angle of the teeth. Blades used for cutting steel and thin steel have 0° rake and a robust tooth shape. Blades used for cutting softer aluminum, stainless steel and wood have a more forward, positive rake angle and a more aggressive tooth shape. A special CD showing the Morse Metal Devil(TM) cutting a number of materials ranging from steel plate to thin metal studs is available from The M.K. Morse Company. To order a copy of the CD, or to obtain more information on the Morse Metal Devil write The M.K Morse Company, P.O. Box 3677, Canton, OH 44711, call Toll-free 1-866-SAW-METAL (729-6382) or visit www.metaldevil.com. The Morse Metal Devil(TM) is the latest in a long line of high-productivity metal-cutting tools from The M.K. Morse Company. The company is well known for it's high-durability line of Master Cobalt(TM) reciprocating saw blades, hole saws, and portable band saw blades. In addition The M.K. Morse Company offers The Real McCoy(TM) Hole Saws, Independence(TM) industrial band saw blades as well as M42 and Matrix II bi-metal industrial band saw blades and carbon band saw blades. The M.K. Morse Company is celebrating it's 40th Anniversary year in 2003 while continuing to develop longer lasting, high quality saw blades and power tool accessories for professional contractors and industrial users, alike. For more information on the company write The M.K. Morse Company, P.O. Box 8677, Canton, OH 44711, call (800) 733-3377 or (330) 453-8187, or visit www.mkmorse.com.
Reciprocating Saw Blade Extension increases reach by 22 in.
Reciprocating Saw Blade cuts fiberglass insulation.
Jigsaw Blades fit both universal- and Bosch-shank saws.
Reciprocating Saw Accessory produces stable flush cut.


Support Mt. Eustis when you shop at the Littleton Food Co-op in February!
Each time you are asked to round up at the Co-op, you are helping to support and run Mt. Eustis. Every penny helps and we appreciate it!
Mt. Eustis would not be in operation if it was not for our dedicated volunteers. If you are looking to volunteer this winter, please fill out the inquiry form. We are always in need of volunteers.
We hold a few events throughout the year. Check here for upcoming events!
Thank you to all of our sponsors, partners, contributors and donors! Mt. Eustis would not be in operation without all of your continued support.
From a quaint downtown Main Street filled with unique stores and restaurants to amazing mountain biking at PRKR Mtn, Littleton offers something for everyone.


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080: No Toxic Shame (feat. Tenth Avenue North's Jeff Owen)
This week's show features Jeff Owen, the guitarist and producer for Tenth Avenue North, ahead of the band's latest album, No Shame. Jeff and the host Chase take turns sharing stories both humorous and serious about the band, the industry, and the stories behind the new album.
This episode is sponsored by Wilder Adkins,...
079: Growing as Musicians, Husbands, and Christ Followers (feat. Wolves at the Gate's Steve Cobucci)
Steve Cobucci -- the primary singer, songwriter and guitarist for Jesusfreakhideout.com staff favorite band Wolves at the Gate -- joins the show this week to talk about the band's new album Eclipse, the journey to its release, and the meanings behind the songs.
This episode is sponsored by David Vaters, whose new single...
078: What Are 2019's Best Albums So Far? A JFH Panel Discussion
The year is halfway over, meaning it's time to reflect on the best music releases from January through June -- the ones we might accidentally forget about when making our year-end best-of lists come December. Our regular host Chase is joined by fellow staff writers John Underdown, Josh Balogh, and Scott Fryberger to...
077: From First Idea to Finished mp3 (feat. Adam Watts)
Songwriter, producer, and JFH-favorite artist Adam Watts returns to the podcast to talk about his theories and experiences concerning the difficulties of maintaining the artistic vision and emotion honesty of a song from the initial songwriting to the final recorded product.
This episode is sponsored by Teressa Mahoney,...
076: Mailbag & Summer Vacation
As many of us (in the States, at least) go on holiday for the 4th of July, we're bringing a mini-episode to you this week, filled with your listener questions. Enjoy host Chase's answers to your curiosities, and have a good summer! We'll be back with a regular episode next week.
The JFH Podcast is hosted and produced by...


I voted no. I use IMatch as my DAM and Capture One Pro as my main raw processor. I think it would take years to catch up to the power of IMatch as a DAM, and I'd rather they put the resources into Photo & Designer. I would like non-destructive raw processing in Photo, and I'd like to be able to copy and paste raw settings on a batch of photos, but neither would be top priority. I once thought all in one management and processing was a great idea. I no longer think that way. LR is a rather weak DAM and it may be the best of the bunch in that regard compared to the other be all photo raw processors. Same goes for HDR and Pano. I wasn't even happy with the raw processing in the end which drove me looking for another does it all solution. I finally realized I already used a handful of specialized programs for HDR. I used PTGui Pro for panorama stitching with Affinity for finishing. So I changed my search to finding the strongest, most open DAM and a raw processor that was fast, had great color editing, and tethering. IMatch and C1 won out. Since I manage everything in a dedicated DAM, I don't hesitate to process a raw in Affinity, or DPP if a certain image just isn't getting there in C1 (rare). Maybe I'll add DXO for it's reputed noise and geometry handling. Photo and Designer are great v1 programs, I look forward to them getting even better.


A weekly study of those books and texts included in the Catholic but not the Protestant Bible, of interest to Catholics wishing for more background in the roots of their faith, Protestants trying to figure out what makes Catholics tick (or for your own sakes, since Luther did say, even though he cut these out, that they were useful to study) Jews curious about Jewish apocrypha, people of any religion curious about other religions, history-buffs who want to know about these books which had profound influence on Europe for over a thousand years, perusers of mystical texts of any faith, folklorists, sociologists, aficionados of ancient literature, students of human nature, and the curious or bored.
Warning: I am only studying one step ahead of each week's presentation, with inadequate resources, and don't have any real qualifications whatsoever other than fascination and an open mind. Speaking of which, although devout, I can at times be heterodox and maybe even heretical. I will try to state up front if any of my opinions go contrary to Catholic doctrine, but I might miss some out of ignorance or inattention. I would urge anyone more qualified to please step up and teach, in your parish or on the Internet. These books matter!
And please note: Occasionally, since I modeled these pages on some others for my fiction, donation buttons have been known to accidentally appear. I remove them as soon as I notice that they've cropped up again; I don't know why they won't stay deleted. But as I sometimes use artwork that is only publicly available when no money changes hands, please do not donate on any of these Deuterocanonical Study pages. Thank you.
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CLARKE COUNTY, Iowa -- Charges are pending against a southern Iowa farmer accused of starving dozens of cattle to death.
Sheriff Rob Kovacevich says he was called to a Clarke County farm about four miles west of Osceola on Friday. When he arrived, the sheriff found around 40 cattle dead.
Officials called local and state veterinarians for assistance.
The Department of Agriculture and Land Stewardship Animal Industry Bureau was made aware of the situation over the weekend.
A District Veterinarian with the department is visiting the site daily to see to the health of the remaining animals.
The farmer's name has not been released.


The east side gears up to join the rails-to-trails revolution.
For drivers stuck in traffic along Wasson Avenue in Hyde Park, the wide-open railroad tracks running parallel to the street present both an opportunity and a taunt: What if there were another way to get around? In January 2011, Jay Andress was sitting in a car along the stretch with his adult daughter Julie, when the two collaborated on an epiphany.
"She said, 'That would make a great bike trail,'" Andress recalls. "And I said, 'Julie, it would, but it's a train track and that wouldn't be realistic.'" Then they saw that the crossing gates at Edwards and Madison were gone.
With a bit of research, Andress learned the tracks had been out of service since September 2009. Tracing their length, he realized how advantageous the route is; it runs from Xavier University's campus in Evanston and Norwood, through Oakley and Hyde Park, and all the way east to Mariemont—almost to the southern tip of the Little Miami Scenic Trail. He decided his daughter was right: This was a great place for a bike trail.
It wasn't long before the epiphany became an obsession for Andress, a 59-year-old Hyde Park resident. He got in touch with the Rails-to-Trails Conservancy, a Washington, D.C.–based organization that advocates for the conversion of former rail lines into recreational trails. Then he began contacting residents along the tracks; and biking groups; and any city, county, or state official who would listen to his idea for transforming the weedy, disused rail line into a community asset.
Awesome, right? Except for one little hitch. Until Norfolk Southern, the railroad company that owns the tracks, gets on board with Andress's cannonball run, Wasson Way is stalled at the gate.
If you ride a bike in the city, you know there are plenty of encouraging signs for cyclists. The bridge connecting the bike trails at Lunken Airport and Armleder Park is scheduled to open this spring; more than 450 bike racks have been installed around town; city streets have 20 new miles of bike lanes—with a goal of 103 miles by 2015. But even though those changes make commuting easier, not every cyclist wants to compete with 4,000-pound cars for a sliver of road space. And to many cyclists, putting bikes on car racks and driving somewhere to ride seems absurd, akin to driving to the gym to jog on a treadmill.
According to research released late last year by two University of Cincinnati professors, not only could the trail keep people like Bush in their houses, it could also increase the value of those houses. The research, conducted by urban planning professor Rainer vom Hofe and economics professor Olivier Parent, found that homebuyers were willing to pay a premium of $9,000 to be within 1,000 feet of access to the Little Miami Trail. Andress estimates there are 4,000 houses within 1,000 feet of Wasson Way, which could increase property values by $36 million.
There are other benefits, too, says Eric Oberg, the manager of trail development in the Midwest office of Rails-to-Trails. Oberg has been to Cincinnati twice so far to help Andress and others work on the plan for Wasson Way. He says this trail, along with the Ohio River Trail—a rails-to-trails project that would link the Little Miami Trail to downtown—are important segments in a growing system of recreational trails that would stretch from the east side to the west side to northern Kentucky.
Oberg notes that in older, densely developed cities, rail lines are often the only land available to accommodate bike and pedestrian trails. The Wasson Way tracks long ago moved supplies to companies like BASF Corp., Hyde Park Lumber, and Le Blond Machine Tool—companies that have since relocated. Traffic dropped off as local industry did, and finally Norfolk Southern mothballed the spur, removing the crossing gates and ending regular maintenance of the rail bed. But it still cuts through heavily populated neighborhoods and passes by retail centers such as Rookwood Commons and Hyde Park Plaza, making its development especially tantalizing to advocates of alternative transportation.
On a frosty December morning Oberg stood under a railroad trestle along Old Red Bank Road in Fairfax with Andress, Henson, Bill Collins of the Madisonville Community Council, and Cincinnati Councilwoman Laure Quinlivan. The meeting was part of a tour of the proposed Wasson Way, and one by one the group considered drawbacks and obstacles to the plan.
Some light-rail advocates wanted the railway reserved for a future line, though most of Wasson Way appears to be wide enough to accommodate both a recreational path and light rail. There is, of course, the issue of funding; turning Wasson Way into a trail could cost roughly $4.5 million, though the exact amount will vary based on the final details. Federal and state programs such as the Clean Ohio Fund exist to support eco-sensitive projects like this, especially if it's constructed in phases. (The segment from Paxton to Red Bank Road—with no road crossings and no bridges—would likely be done first. The Madison to Paxton leg, where Andress and his daughter had their brainstorm, would probably be last because it crosses seven streets). There's also the potential for community opposition. Concerns from Terrace Park residents about the potential for crime and litter postponed the Little Miami Trail for years. But Andress estimates that word of the project has reached 5,000 people, and so far he's only encountered three who oppose it.
Still, nothing can begin to happen on the funding until Norfolk Southern indicates a willingness to let the property be used for a recreational trail. There are several different scenarios for that: the company could formally abandon the property (which is unlikely), or they could assign liability to a government entity while retaining ownership of the line. The Hamilton County Park District, which manages the section of the Little Miami Trail in the county, is a likely candidate for the same duties along Wasson Way.
While he's waiting for word from the railroad, Andress continues to build support for Wasson Way. He presented the project to the Hamilton County commissioners and regional transportation officials in late December, and Miami University students have created design proposals for projects along the trail. Andress is gearing up for fund-raisers and has assembled a board of neighborhood leaders and recreation enthusiasts. And outdoor-recreation retailer REI just announced it will be opening its first store in Ohio this fall at Rookwood Commons, a primary stop right on Wasson Way. REI frequently works with Rails-to-Trails and often funds community recreation projects; its arrival here could provide another boost to the trail proposal.
While Andress's momentary observation on Wasson Avenue 14 months ago has blossomed into something approaching a full-time job for him—he also helps his wife Debora with her store in Madeira, The Pink Box—he says the effort has been worth it.
Originally published in the March 2012 issue.


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More than 700,000 children have fled Syria to Turkey. More than 400,000 of them are unable to attend school due to the language barrier, integration issues and financial challenges.
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PORTLAND, OR--(Marketwired - May 6, 2016) - iovation, the provider of device intelligence for authentication and fraud prevention, today announced that its CEO Greg Pierson is an Ernst & Young (EY) Entrepreneur of the Year® 2016 Award finalist in the Pacific Northwest. An independent panel of judges selected Pierson after evaluating him and iovation for innovation, financial performance, and commitment to business and the Portland, Ore. community.
"It's an honor to have been nominated, let alone be a finalist for this award," said Pierson. "All the credit for our continued success goes to the iovation team and I hope every single employee is especially proud to be recognized by one of the world's most respected business consulting companies."
Taking Calculated Risks--In 2015, Pierson had a vision to make passwords a thing of the past. Having proven itself in online fraud prevention by protecting 15 billion transactions to date, iovation extended its core services to include Customer Authentication. This solution allows consumers with "known good devices" instant passwordless access to low-risk sections of consumer accounts -- like account balances, shopping records and activity histories.
Unrivaled Client Service--iovation has one of the highest Net Promoter Scores (NPS), a customer loyalty metric, of all Software as a Service (SaaS) companies. The company has a NPS score of 53, while the average SaaS company is 15. iovation has also maintained a 96 percent client retention rate or greater over the last several years.
Community Service-- In the beginning of 2014 Pierson started a company-wide volunteer initiative that takes place at least twice a year. 2016 kicked off with the entire Portland office closing down its headquarters to volunteer with organizations such as Children's Book Bank, Oregon Food Bank, New Avenues for Youth, Village Gardens, Free Geek and P:ear Kitchen. Pierson is also a passionate fan and supporter of Self Enhancement Inc., which supports at-risk urban youth with tremendous success.
Pacific Northwest EY Entrepreneur of the Year award winners will be announced at a black-tie gala event on June 17, 2016 at the Sheraton Seattle Hotel. More details can be found here.
iovation protects online businesses and their end users against fraud and abuse, and identifies trustworthy customers through a combination of advanced device identification, shared device reputation, device-based authentication and real-time risk evaluation. More than 3,500 fraud managers representing global retail, financial services, insurance, social network, gaming and other companies leverage iovation's database of billions of Internet devices and the relationships between them to determine the level of risk associated with online transactions. The company's device reputation database is the world's largest, used to protect 15 million transactions and stop an average of 250,000 fraudulent activities every day. The world's foremost fraud experts share intelligence, cybercrime tips and online fraud prevention techniques in iovation's Fraud Force Community, an exclusive virtual crime-fighting network. For more information, visit iovation.com.


On August 6, 2014, Governor Patrick signed House Bill 4123, the "Trial Court Bill," altering two Massachusetts statutes concerning trial procedure at the Superior Court level. The new law, effective February, 2015, will substantially alter jury trial practice in two ways: first, attorneys will be permitted to question jurors during the impanelment process and second, counsel will be permitted to propose a specific dollar amount of damages to the jury during trial.
Prior to the passage of this bill, Massachusetts remained the only state in New England, and one of the few states nationwide, that did not permit attorney-conducted voir dire. Voir dire is the questioning of prospective jurors by a judge or attorneys in court prior to trial.
Currently, the process of voir dire in Massachusetts is controlled by the judge in any given trial. As a way of screening for bias, a basic questionnaire is provided to jurors before they appear for jury duty. During impanelment, in a typical case, only the judge is permitted to ask the potential jurors any questions during the selection process. Most judges are receptive to asking the panel or specific potential jurors questions that the attorneys want to be asked.
(1) In addition to whatever jury voir dire of the jury venire is conducted by the court, the court shall permit, upon the request of any party's attorney or a self-represented party, the party's attorney or self-represented party to conduct an oral examination of the prospective jurors at the discretion of the court.
(2) The court may impose reasonable limitations upon the questions and the time allowed during such examination, including, but not limited to, requiring pre-approval of the questions.
Will attorneys be questioning the potential jurors individually at sidebar or as a group in open court?
Will opposing counsel be afforded the opportunity to raise objections to certain questions?
Will the judge, as is the case in some states, leave the court room during voir dire?
Approximately one week after the bill was signed, the Massachusetts Supreme Judicial Court formed a committee to work with the Superior Court to develop procedures for the implementation of the new statute.
Support for the new statute came primarily from the Massachusetts Bar Association and the Massachusetts Academy of Trial Attorneys. Recent studies have shown that Massachusetts has one of the lowest plaintiff personal injury win rates in the nation. Plaintiffs' attorneys have voiced concerns that the public has grown suspicious of lawsuits due to a growing perception that many lawsuits are frivolous and unfounded, and that many potential jurors may be unintentionally biased against plaintiffs. The plaintiffs' bar and other supporters of the act hope that the new measure will provide attorneys and judges with more information about potential jurors, reducing prejudices and making Massachusetts a more plaintiff-friendly state. On the other hand, as defense counsel, we will have an equal opportunity to expose "pro-plaintiff" jurors.
Additional emphasis will now be placed on jury selection and more time will be spent writing effective voir dire questions. Jury verdict research may be beneficial in helping attorneys utilize this new procedure in an efficient way. In addition, Pierce & Mandell attorneys will be reaching out to fellow defense lawyers in other states to explore best practices for attorney-conducted voir dire. While the bulk of cases will continue to resolve through summary judgment or settlement, the new voir dire procedure will certainly increase trial costs.
No complaint in any civil action shall contain an ad damnum or monetary amount claimed against any defendant, unless such ad damnum or monetary amount claimed indicates damages which are liquidated or ascertainable by calculation and a statement under oath by a person having knowledge thereof is attached to such complaint setting forth the manner in which the amount of said damages was calculated. For the purposes of this section complaint shall include a claim, crossclaim or counterclaim.
Several questions remain to be answered. First, to what extent will the plaintiffs' bar overreach, meaning request an unreasonably high sum? Certainly, such a strategy could backfire on plaintiffs. In cases where the plaintiff prevails, will juries award the amount requested, or some lesser (or greater) amount? Given the general sentiment regarding personal injury lawsuits in Massachusetts, juries very well may be aggravated by obviously inflated dollar amounts suggested by attorneys, possibly leading to lower awards for plaintiffs.
Also, it is unclear whether the amount plaintiffs are requesting will be disclosed in discovery, or at a minimum, prior to closing arguments.
While more emphasis will be placed on proving what amount of money intangible damages such as pain and suffering are worth, it is not generally our practice to counter amounts suggested by plaintiff's counsel. As a practical matter, for most of the cases that Pierce & Mandell tries, the focus of our defense is on liability rather than damages. In other words, in a typical case, we are seeking a defense verdict rather than attempting to limit the damages award. Of course, in a high exposure, likely liability case, more time would be spent on breaking down the plaintiff's damages claims.


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Semi overturns on I-5, lands on NE Ravenna Blvd on-ramp (PHOTOS, UPDATES)
February 14, 2012 by Rebecca Nelson 2 Comments
Just after 11 AM, reports the Seattle Times, a semi and a car collided on southbound I-5, sending the semi rolling over a barrier to land on the NE Ravenna Blvd on-ramp.
Mike Murphy at the Washington State Department of Transportation (also of Lynnwood Today, one of our fellow Seattle Times Local News Partnership sites) sent us these photos of the accident scene, taken by WSDOT's traffic cameras not long after the incident occurred.
At the time of writing, all four southbound lanes of I-5 have reopened to traffic, but may be closed intermittently (along with the northbound express lanes) for the removal of the debris. The NE Ravenna Blvd on-ramp is expected to be closed for some time.
According to the Seattle Times, three occupants of the car sustained only minor injuries, and the semi driver was okay. An update on the conditions of all four people involved in the collision is below.
Seattle P-I photojournalist Josh Trujillo has a couple photographs taken from the on-ramp itself.
UPDATE (4:17 PM): The Seattle Fire Department's Fire Line blog has updated information on the three car passengers and semi-truck driver, as well as a couple new photos of the accident scene.
Fire fighters at the scene of today's car/semi rollover collision had to cut the top off the car (a convertible) to remove its three occupants. / Photo courtesy Seattle Fire
UPDATE (4:41 PM): Seattle Parks and Recreation staff were nearby at the time of the accident and sprang into action (via a Seattle Parks and Recreation press release):
Seattle Parks and Recreation's Northeast grounds maintenance crew members were working along Ravenna Blvd., mulching tree rings, when they heard screeching metal and a crash.
Jon Campbell, Dale McLeod and Marvin Bentley ran to the end of the island they were working on and looked up at the on ramp (NE 65th St. southbound entrance to I-5) and saw a semi truck overturned on its side.
Campbell and McLeod asked colleague Andy Rasmussen to call 911. Bentley blocked the entrance to the freeway with his truck and began directing traffic away from the accident. Campbell grabbed a fire extinguisher in case of fire (none occurred).
Read the rest of their story here.
UPDATE (5:02 PM): My Green Lake has been collecting photos and reactions from eye witnesses at or passing by the scene.
Filed Under: 911, Green Lake, Photos, Roosevelt, Seattle Fire Department, Seattle Parks and Recreation, Updates
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Getting To Know Android 4.1, Part 1 - The Basics: Slide Unlock, Software Buttons, And New Icons
Mon, 07/02/2012 - 02:29 | by morta
The new version of Android is out, it's real, and yours truly has a (mostly) working copy.
The title may not rhyme anymore, but it's still home to the most in-depth look at the next version of Android on the internet. That's right, the world's most OCD changelog is here to point out every polished pixel of Android 4.1: Jelly Bean.
The usual GTKA caveats apply: This is beta code (the Jelly Bean preview from I/O, in fact) and subject to change. Plus I've got it running on a phone it isn't even meant to run on, so we won't be too hard on it. The good news is we aren't messing around with emulators this time. These are real screenshots from a real phone.
Slide Unlock
First things first: We'll start with the lock screen. All the pictures will be in a "before and after" style, so for now it's Ice Cream Sandwich on top, Jelly Bean on the bottom:
The "ripple" effect is gone from the lock screen. Jelly Bean replaces it with a dotted concentric circle effect that looks quite nice. When you first turn the screen on, the dots "light up" in an outward ripple from the lock circle, like a raindrop hitting a puddle. Tapping anywhere on the screen will cause the dots to ripple outward again. It's a cool little "Hey, put your finger here," effect.
Once you do put your finger there, you'll see the new touch effect. Instead of ICS's hollow ring, your finger "lights up" the static dot pattern as you move around.
They also tweaked the "lock on" effect. When you drag over to an icon you now get an inverted icon with a white circle, and an awesome glow effect (check out the bigger picture).
You also get a new item on the lock ring, a Google logo! You can drag the your finger over it to launch it just like the other icons, it will jump you straight into Google Now, Google's new search/voice assistant/Miss Cleo interface. (More on that in a later episode).
Software Buttons (and whatever else we run into)
The software buttons got lots of little tweaks. First, we see evidence of our first Jelly Bean design motif (right): Less blue, more gray. Actually "gray" isn't really the right word for it, it's kind of a frosty, transparent white. The search bar gets the frosty white treatment and the button touch effect switches from blue to gray to match. Blue isn't gone totally, but, as we jump around in this series, you'll notice there is significantly less blue in JB than there used to be.
The microphone symbol got a refresh. I'm not too sure about this one, the old icon was unmistakably "a microphone." Now though, things are a little more ambiguous. I don't really have "microphone" jump out at me when I look at that.
The software buttons have learned a new trick! Swiping up from anywhere on the button bar will open Google Now. A long press will bring up a ring that works exactly like the lock screen ring, with the same dotted circle effect. Dragging up to the "Google" logo will open Google Now, and the best part is that this is accessible from anywhere you can use the buttons.
I'll take this as Google's apology to people (namely me) that complained about the removable of easily accessible voice actions when they killed the hardware search button. Apology accepted, but this still doesn't immediately start listening for voice commands, so voice actions are still harder than they used to be.
Oh, and a quick note to any ROM developers out there: I would like the option to stick more apps on this ring. Google's got the center, but how cool would left and right ring shortcuts be? Shortcuts that are accessible from anywhere...
Also - fun fact: The buttons are now multi touch aware (right picture). I have no idea why you'd want that, but it's there now.
We are also now finally taking advantage of a benefit of software buttons and better communicating what the back button will do. It's a shame this is the only instance, but hey, progress is always good. Here the JB back button (right) is telling us that hitting it won't move us anywhere, it will just close the keyboard. ICS (left) would just show a normal back button.
Next, I would like the back button to have a visual distinction when it will close an app (vs. just going Back within that app), because currently, it's impossible to tell what the heck Back will do at any given moment. Will it go back in this app? Will it go back to the app I just jumped here from? Will it close this app entirely? I never know. No one does. You've got the ability to communicate with software buttons, use it.
We might as well talk about the keyboard design too, since it's here. The microphone key is sporting the fresh, new symbol we saw on the search widget, and the spacebar has betrayed the function keys and joined its alphabetical brethren on the light-gray side (the spacebar is grey now). That just makes more sense.
Hmm, yeah, ok, that doesn't seem right. The Menu glow shouldn't be all up in the Recent button's personal space like that. What did it look like in Ice Cream Sandwich?
Well, would you look at that? They broke the menu button glow. In Jelly Bean they just apply the same glow to Menu that the full-sized buttons use, despite it being about half the size of the other buttons. This looks so wrong. ICS handled this elegantly by using a smaller glow for the smaller button.
Fix it Google... Please?
Some icons have grown a little since we last saw them. People got its rolodex cards fanned out a little more and as a result is noticeably taller; Gmail is whiter and a pixel or two taller; and Search got a rename to "Google" and has a whole new icon with a bit of a 3D look to it.
The Calendar icon is incredibly ugly now, mostly because it is no longer really calendar-shaped (most calendars are rectangles, not squares, right?) and because the green header is now huge and no longer symmetrical with the calendar days. I get that they wanted to make it taller, but there must have been a better way. The bottom 3d block on February 27th (that's right, February) used hang over the edge of the icon by a pixel, it got chopped off.
News & Weather got a size and resolution bump, you can even read the paper now if you really squint: "New study: News headlines always getting better!" This, the "Lorem Lauren Ipsum" on the People card, and the calendar displaying February will be good if anyone wants to start up an Android trivia game.
At first glance it looks like they were trying to get a little more uniformity going for the icon heights. Consistency! That's good to see.
Don't get your consistency hopes up too much though, the Android Team still doesn't have a detailed oriented guy running around fixing things like this (résumé available upon request). All these icons were redesigned by the Android Team, but not to a standard height (or width, but one thing at a time). I think they just eyeballed them, and the person eyeballing them sucks at eyeballing things. If only there were guidelines for things like this.
While I'm complaining about icons, I should mention that they still didn't get rid of the top-heavy "speech bubble" icons for Talk and Messaging (and Voice). While this is technically correct (Talk and Play Store are the same size), it doesn't pass the eyeball test. The speech bubbles look way out of scale and too tall when compared to a bottom heavy icon like the Play Store. This looks like someone screwed up, and that's what's important.
And no, it's not your imagination, Talk and Messaging still aren't the same height, (Again, I'm for hire) even though they are the exact same shape. Bonus fail points for that one, guys.
Of course, the best way to fix this is to not have Talk and Messaging exist anymore, and merge Talk, Voice, Messaging, G+ Messenger, and G+ Hangouts. Do that. No one wants 5 chat programs.
That's it for now. Be sure to tune in next time! We'll be taking at look at the fancy new notifications.
Via AndroidPolice
Jelly Bean has new permission option to "read external storage"
Having Trouble Rooting The Galaxy Nexus On Jelly Bean? Here's A Method That Works [How-To]
Flash for Android 4.1 Jelly Bean Devices
Create custom, simple notifications for Android 4.1 with Notif
Motorola Promises $100 If Your Device Doesn't Receive Jelly Bean


5 Ways to Boost LinkedIn Profiles – Colibri Insurance Services, Inc.
Are you using LinkedIn to promote yourself and your business? LinkedIn is a business-oriented social networking website that currently has more than 414 million members worldwide. For many people, it's an invaluable tool for researching and connecting with prospective clients, referral partners and vendors.
Even if you don't use LinkedIn on a daily basis, your profile should be up-to-date so that people who are searching for you know what you do, and know how to contact you. Read the full article on Employee Benefit Adviser.


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Helping communities thrive in just 100 days
By Susie Finlayson, Power to Change
"If you were given the opportunity to develop ideas to support children, young people and families in your neighbourhood, and had just 100 days to bring those to life, what would you do?"
That was the challenge recently set for three Liverpool communities, with support from Nesta, charitable trust Power to Change, and local decision-makers across Liverpool City Council, Mersey Care NHS Foundation Trust and Liverpool Charity and Voluntary Services (LCVS).
As Power to Change supports and develops community businesses in England, we jumped at the chance to partner on this programme. We were curious to see whether the 100 Day Challenge approach could significantly shift the relationship between communities and the public sector.
We also wanted to learn what it takes for places to create the space for people to connect, share the value they all bring and collaborate to drive change that matters to them.
Instead of prescribing what they think the answers are, could decision-makers step into a different type of leadership? One where they are asking questions and creating the conditions that unlock the strengths of local people and organisations?
Launch day for the 100 Day Challenge
They've made work happen in weeks that would normally take months
The three teams based in Anfield and Everton, Princes Park and Speke-Garston have started by listening — asking children, young people and families what they think needs to change for them to thrive in their neighbourhoods. More than 40 frontline staff, parents, young people and community members are running with their ideas based on the needs and strengths of their own community. What feels unusual is the sheer number of different organisations from across the public and voluntary and community sectors that are working together, in many cases for the first time, towards a common goal — at the last count there were more than 20!
Diversity has been key to how quickly teams have moved to action. Through pooling their resources and energies, they've made work happen in weeks that would normally take months. From getting five local businesses to offer apprenticeships for local teenagers, to developing the 'Play Pound', a new fund owned by the community to protect play opportunities for children in their neighbourhood, or working with families and the fire service to incentivise primary school children who are absent to attend school.
Testing of the 24 Magic Maths app
"What's strong, not what's wrong"
A member of the Princes Park team and local community activist said: "One thing that feels different is that there are people around the table that I haven't worked with before — it's not been all the usual suspects. The 100 Day Challenge has given us some space to think differently about things outside the context of our jobs and in a group that wouldn't usually get together."
Without the work the teams are doing on the ground to show leadership the reality of what enables and gets in the way of their ambitions, embedding an approach that focuses on "what's strong, not what's wrong" across the city would be much more challenging.
Critically, the leadership group working alongside teams is made up of partners representing the whole system. This includes various directorates at Liverpool City Council but also health, housing, fire service, policing and the local voluntary sector. We've seen a growing commitment from all the partners to make this joined-up way of working the 'new normal', embedded within strategic plans for the City.
Teams are running towards Day 100 with lots of events and initiatives happening over the next month as they develop their ideas.
What we're seeing is that the challenge is about creating different relationships and rebalancing power between communities, citizens and the public sector.
It's demonstrating one way that places and public services can provide a supportive environment for communities and frontline staff to work together.
Over the remaining 25 days and beyond, Power to Change is excited to see how this approach to innovation can influence models of partnership across the city and beyond, contributing to great places to live and strong and inclusive local economies."
To find out more about the work of the People Powered Results team read the report reflecting on five years of the 100 Day Challenge.
Susie Finlayson leads on health and social care and public service at Power to Change. Supporting community owned and led businesses delivering health or social care related services and working with partners to explore the role, impact and sustainability of community businesses in public service. She works directly with community business and collaborates across sectors with local and national partners including NHS, local authorities, national charities and providers. She has a background in frontline care provision and more recently has focussed on social innovation and community-led enterprise across sectors including place-based development and health, providing capacity building and development support to charities and social enterprises.
BLOG: How a local artist created a new Liverpool sound
Blog: Game – Set – Vax!
BLOG: Omicron – Inequalities and learning lessons


Tension – The strength / pull at which a section is held.
Texturing – A variety of cutting techniques used to create different effects within a hairstyle.
Personalising – Finishing a style and making it individual to the client.
Balance / Shape – Physical aspects and evenness that control the look of the style.
Hair Growth Patterns – Areas of the hair that could disturb the required look.
Club Cutting – A method of cutting where hair is cut bluntly and straight across, this is used in both layering and one length cuts.
Freehand Cutting – Mainly used on straighter hair to create the profile or perimeter shape.
Scissor Over Comb – Used to produce contours, layered shapes and close cuts. Used on dry hair cutting through the comb.
Thinning – used to reduce bulk, can be done with scissors. Thinning scissors may also be used to add texture or softness.
Graduation – A cutting angle that joins either longer to shorter or shorter to longer hair in one continuous cutting angle.
The Holding Angle – The angle at which the hair is held out from the head.
The Cutting Angle – The angle at which the scissors, razors, etc.cuts the hair.
Weight Distribution – The overall balance of the hair cut.
Cross Checking - Cross check by taking sections the opposite direction, to the way the hair was cut.


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Multigenerational Programs
Workshop 2: David and Nathan - You are That Man
Leader Resource 1: David and Nathan Background Information
Tapestry of Faith: Wisdom from the Hebrew Scriptures: A Multigenerational Program
Part of Wisdom from the Hebrew Scriptures
In this story, the young boy, David, who had killed Goliath has grown up and after many twists and turns has become the King of Israel and Judea. He has established the city of Jerusalem as his Capital city. He has become very rich and powerful, and like rich and powerful men of that time, he had many wives. He believed, and the people of his country believed, that David was God's favorite. Because David had always showed great faith in YHWH (Yahweh), YHWH (Yahweh) had always blessed him with military victory, wealth and power.
But David had taken the wife of one of his soldiers, a man named Uriah. David had arranged for Uriah to be killed in a battle, so that he could marry his wife Bathsheba.
Nathan was "the oracle or prophet" in David's court. (An oracle or prophet was a person who was supposed to interpret signs and tell the King what God wanted.) God tells Nathan to tell David that what he did to Uriah and Bathsheba was unjust. Nathan confronts David by telling him the parable that we read today. The story is about a rich man who has many sheep and lambs but who takes the single lamb of a poor man. Nathan asks David, "What should happen in a case like this?" Even David can see injustice of the rich man's action. David says that this rich man should have to give the poor man four sheep to pay the poor man back for what he has done. David even states that the rich man who taken the sheep from the poor man deserves to die.
Nathan replies: "You are that man!" and confronts David about his wrong-doing, accusing him of arranging for Uriah to die in battle and marrying Uriah's wife.
The story of David, of course, continues for many years after this incident. But from this point on, things do not go as well as they have for David. The child that David had fathered with Bathsheba dies at an early age. The way that the Hebrew scripture tells the story of David, this is the turning point in his life. King David has lost the favor of God and he grows old and troubled.
But notice that God used Nathan, the prophet, to speak to David.
A prophet is not a king who rules the government or state. A prophet is not a priest who is the leader of a religious institution. The prophets of the Hebrew scripture hold an unusual place in the social order.
In the Hebrew scripture, Moses is the last person who talks face to face with God; after that, God speaks to people in dreams or visions. The people to whom God directs these visions are the prophets.
Today, we are skeptical about anyone who claims to hear directly from God through dreams or visions. But that is not what was remarkable about this story of Nathan and David. In a world in which the power of kings was absolute; this story argues that God, through the prophets, judges even the mightiest king and calls him to account. The story teaches that the critic of the king, or the demonstrator in the street, might be speaking for God and for justice. God is not on the side of the powerful, but through the prophets, God holds them accountable.
The stories of King David and his son, Solomon, are among the first written stories of the Jewish scriptures. Scholars believe that what we now call the Bible was a project started in the court of King David, in which some writers and historians were assigned the task of writing down the biography of King David and the history of the Hebrew people.
The scriptures tell the story of where their people came from: how they were slaves in Egypt before Moses led them out to the Promised Land. And they tell how the people came to be enslaved in Egypt in the first place: the story of Joseph and his father, Jacob, and his father, Isaac, and even his father, Abraham. And woven through all these stories was YHWH, their God, who was still their God and whose strength had put king David in power.
So it is remarkable that they also tell this story about David committing a sin, and how God turned against David and rebuked him through the prophet Nathan. And by doing so, they made the Bible a radical book, one that tells of a God who is not on the side of kings, but is on the side of justice.
PREVIOUS: Nathan Confronts David
UP: Workshop 2: David and Nathan - You are That Man
NEXT: Leader Resource 2: Creating the Closing Worship
Download all of Wisdom from the Hebrew Scriptures (Word) (PDF) to edit or print.
Wisdom from the Hebrew Scriptures
Principles and Sources
Workshop 1: David and Goliath
Activity 1: Nathan Confronts David
Activity 2: Retelling the Story
Activity 3: Being a Prophet
Activity 4: Explaining Small Group Options
Activity 5: Discussion - Option 1
Activity 6: Wearing the Prophet's Mantle - Option 2
Activity 7: This is Wrong Collage - Option 3
Alternate Activity 1: Making Sheep to Retell Nathan's Story
Nathan Confronts David
Leader Resource 2: Creating the Closing Worship
Leader Resource 3: Template for Sheep
Workshop 3: Manna in the Wilderness
Workshop 4: The Battle of Jericho
Workshop 5: Sarah, Hagar, and Abraham
Workshop 6: The Binding of Isaac
Workshop 7: Isaiah - Exile and Hope
Workshop 8: Creation
Stories in Wisdom from the Hebrew Scriptures
Leader Resources in Wisdom from the Hebrew Scriptures
How the Word is Passed
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Alternate Activity 3: Buddhist Board Game
Activity time: 30 minutes Materials for Activity A Buddhist board game Preparation for Activity Obtain a Buddhist board game such as Buddhist Knowledge...
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Living your Unitarian Universalism (UUism) means... If a grieving neighbor needs some companionship, you brew the pot of coffee and sit down to listen.


The Houston Center for Contemporary Craft is a small museum in the Museum District and it is always free to visit. There is a small lot behind the museum and free street parking. Right next to the museum is the Craft Garden, ready to be explored.
This small garden has a fountain, paths, a stage, small sculptures and flowers. This is not an all day adventure, but a fun place to run around outside and explore for a little while.
My kids like to put on "concerts" on the stage and run along the paths. Near the building there is a little tunnel that my boys thought was especially fun.
When we went last time, we found a lot of caterpillars and bees on the plants. The kids really liked looking for them between the leaves and watching them work. There are also little sculptures hidden among the plants that the kids liked to find.
We spent about 20 minutes running around before heading to our next adventure. It's a fun spot to explore, with free parking and bathrooms available inside the museum.
Try to visit on the first Saturday of the month so you can also participate in the free Hands-On Houston craft inside the museum.


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Brokerage Awards
The Benchmark for Brokerage
Voting Form 2017
World Finance Brokerage Awards 2017
In an industry rife with electronic disruption and fierce competition, the World Finance Brokerage Awards 2017 reward the players that are thriving under immense and unfamiliar pressure
The broking industry was once a safe, established and lucrative sector. In all its forms, people came to rely upon brokers as experts to escort them through the most complex and specialised markets. As trusty guides through the seas of chaos, brokers were the sole source of knowledge for anyone – from the average armchair investor to the largest international companies – wishing to carve a path to riches.
However, with online broking tools now in reach of almost anyone, this knowledge is no longer enough for many clients. It is all too easy for people and businesses, even if they possess only the smallest understanding of markets, to conduct their own trading entirely from their smartphone. With the ease of access these services offer, and considering the wealth of information that is easily available online, traditional brokers suddenly seem very old world. When it is now so easy to do yourself, brokers may be questioning whether their traditional role is worth the price of admission.
The role of the broker in the future may be very different from what it is now. For the brokers of tomorrow to survive, they will have to offer insight and expertise that is far greater than what can be found in the money pages of the average newspaper. They will have to rethink their relationship with their clients, while offering services that mix the convenience of apps with the expertise of a traditional financial expert.
With incredibly powerful tools now available, and more emerging every day, brokerages have an opportunity to act with more information and insight than ever before
The World Finance Brokerage Awards 2017 have sought to identify the brokerage firms that offer the best services, the most advanced tools and the most unique insights. In the current financially uncertain environment, a trusted advisor may be more valuable than ever before.
While the internet has been a global force since the 1990s, it has only been in the past decade or so that online services have become a focus rather than a supplement. As the barrier for entry with smartphones has fallen even lower, while trust in the services they provide has risen, this do-it-yourself mentality has also made the move to investment. Instead of turning to a personalised brokerage service for advice and assistance, a few quick taps on a phone can get a person equipped with the traditional blue chips the average advisor might recommend as the cornerstone of a portfolio.
Catering to this class of investor are myriad online services, offering full-fledged financial trading tools and the highest levels of convenience at a low price. They have the ease of use that is up to par with the best online companies, and they have services available for anyone on any size budget. However, the tremendous competition between the biggest online players has since escalated into a price war between individual companies. Already in 2017, US-based Fidelity announced a cut in its commission to $4.95, with rival Charles Schwab cutting its own to match, and TD Ameritrade and E*Trade Financial each cutting theirs to $6.95. In this incredibly tough environment, only the best and most competitive services will survive.
In a race to the bottom such as this, the traditional, personal broker might be concerned their time and expertise is becoming considerably less valuable. However, with the political turmoil of the past year – and, indeed, the coming one – a dose of traditional expertise may be exactly what the market needs.
A numbers game
On a more ambitious scale, algorithmic trading has also emerged as an alternative to the traditional role of an advisor. In terms of the raw number of trades, algorithms are unparalleled in how quickly they can respond to the tiniest fluctuation in the market before identifying a potential chance to make a profit. With a volume of information at their disposal that no human could hope to comprehend, the average stockbroker has truly inhuman competition on his or her hands.
But the mathematics behind these systems is not flawless. Famously, in 2012, Knight Capital connected its algorithm to the New York Stock Exchange to power its automatic trading system. Very quickly, the program started posting rapidly escalating losses. After 45 minutes, Knight Capital was down $440m. While mistakes like this are the exception rather than the rule, it's difficult to imagine a human stockbroker suffering a similarly bad streak.
While these new systems are undoubtedly an exciting development in finance, there is ample room for the traditional stockbroker in the modern marketplace. Rather than a destructive force, opportunities for greater amounts of data analytics should be seen as an opportunity. With incredibly powerful tools now available, and more emerging every day, brokerages have a tremendous opportunity to act with more information and insight than ever before.
Looking at the data of the past may be the best idea when the global markets are performing as expected, but the past year has proved to be anything but ordinary. Between the election of Donald Trump and the UK's vote to leave the European Union, global markets were sent on a rollercoaster ride of uncertainty without a recent parallel. A conclusive definition of how Brexit will manifest will likely take years, and Trump has already shown that he is willing to surprise us all and push the legal limits of what he can do as President of the United States. When it comes to global markets, the events themselves are often not as damaging as the state of uncertainty that will take hold in the following months.
The best stockbrokers are able to see through this storm of uncertainty to identify industries and opportunities that the average investor may be overlooking. Escaping the world's most famous exchanges, with the markets of other countries looking more appealing, may be how brokers can differentiate their businesses for the future.
Steady in a storm
As technology grows more advanced, long-term clients who appreciate the value that an expert guide can bring will always appreciate experienced and talented brokers. For discerning clients keen to keep a sharp eye on their portfolio, a modern brokerage can be an insightful touchpoint and make all the difference when it comes to making confident decisions about the future. Particularly in a time where the role of the brokerage is changing so rapidly, brokers are working hard to prove that their services are needed and relevant.
However, the greatest challenges are yet to come. Industry regulations also make the future uncertain, and navigating what is likely to be a more restricted future is only going to prove an additional challenge. Given this, identifying the leading brokerages is an important step that encourages the entire industry to strive towards even stronger returns in a time of unparalleled uncertainty.
The World Finance Brokerage Awards 2017 have scoured the industry to find the firms that are not just successful today, but are prepared to face the challenges of the future as well. In such a dynamic and broad market, the World Finance awards team, together with our readers, has found the companies that embody the future of brokerages and the industry at large.
OCBC Securities
CIMB Investment Bank
Bualuang Securities
PT Danareksa Sekuritas
Haitong Securities
ADCB Securities
NBK Capital
SICO BSC (c)
SaudiMed
MedSecurities
Barclays Stock Brokers
Steubing AG
IW Bank
UBS Securities España
BCI Corredor de Bolsa
Each year, World Finance's dedicated research team analyses and assesses brokers, traders, and the latest technologies available on the market. The judging panel welcomes recommendations from retail and institutional traders – those that make the market tick.
Here, we invite readers to put forth their vote for the World Finance Brokerage Awards, 2017.
Voting closes 3rd February 2017
Category Best Securities Brokerage
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