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Before calling the insurance company and getting your insurance quote, take the time to decide what kind of coverage you need. In every state, you have to have at least liability coverage. Liability insurance pays on your behalf for damages due to an accident or loss that is your fault. You also need to decide if you would like to add comprehensive and/or collision insurance coverage, which are optional coverages in most states. If your auto is financed or leased, these contracts generally require comprehensive and collision coverage. Additionally, they generally require you to have liability insurance in amounts that are greater then the state minimums. You should review your contract to ensure that you the required coverage. Comprehensive insurance coverage is insurance that helps pay for losses to an insured auto due to fire, theft, or other losses that are not the result of a collision as stated in the insured's policy. An insurance deductible can apply depending on the insured's requests at the start of the policy. In most states this is an optional coverage and is not usually a required coverage. Collision insurance coverage is coverage that pays to repair or replace your auto after an auto accident. A deductible can apply depending on the insured's requests at the start of the policy. In most states, insurance collision or accident coverage is an optional and is not usually a required insurance coverage. If you choose comprehensive and collision coverage, you will need to decide what deductible amounts you would like. A deductible is the amount that you pay before the insurance policy kicks in. The amount of your deductible is the single most important factor in the cost of your auto insurance. Talk to the professionals at FarmerBrown.com, to go over all these factors so you can get an auto policy crafted to meet your specific needs. Protect your automobile now. Obtain homeowners insurance overage now by requesting a free on-line quote. It's competitive, fast, and convenient. If you have any questions while filling out the online application, please call the toll free numbers displayed or click on the on-line chat icon and a licensed FarmerBrown.com Insurance agent will assist you.
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Term insurance is generally purchased by those with a temporary need for life insurance, or by those with limited budgets.
Term insurance may be appropriate for specific needs, including the needs of some business owners.
Coverage for a specific amount of time until you are able to build up assets to cover your needs.
Coverage for the amount of time the mortgage is for so in the event of an untimely death, the mortgage is taken care of.
Coverage for those that cannot afford a permanent policy, especially young couples and new parents.
Permanent Life Insurance Permanent life insurance is insurance that you own for your entire lifetime. The amount of the death benefit or face value can be selected to meet your needs. Premiums are fixed and can be paid monthly, quarterly, semi-annually, or annually. As more premiums are paid, your policy accumulates a cash value, which grows on a tax deferred basis. This kind of insurance combines death benefits with a savings component. Permanent insurance, including Whole Life Insurance, Universal Life Insurance and Variable Universal Life Insurance, can provide protection for your entire lifetime, or in certain instances up to a specific age at which point the insurer pays the policy owner the cash value. You can borrow against and in some instances, withdraw to help meet future goals, such as paying for a child's college education. In order to build up this cash value, you will pay higher premiums. Whole Life Insurance Whole life insurance is life insurance that insures you for your whole life. Over time a savings component, called cash value or loan value, builds and can be used for wealth accumulation. Whole life is the most basic form of cash value life insurance. Regular premiums pay both the insurance costs and fund the savings account. The insurance company will invest these funds in low risk investments. A fixed death benefit is paid to the named beneficiary along with the balance of the savings account. The premiums for this type of insurance are fixed throughout the life of the policy. Universal Life Insurance Life insurance which combines the low-cost protection of term insurance with a savings component that is invested in a tax-deferred account, the cash value of which may be available for a loan to the policyholder. Universal life was created to provide more flexibility than whole life by allowing the holder to shift money between the insurance and savings components of the policy. Additionally, the inner workings of the investment process are openly displayed to the holder, whereas details of whole life investments tend to be quite scarce. Premiums, which are variable, are broken down by the insurance company into insurance and savings. Therefore, the holder can adjust the proportions of the policy based on external conditions. If the savings are earning a poor return, they can be used to pay the premiums instead of injecting more money. If the holder remains insurable, more of the premium can be applied to insurance, increasing the death benefit. Unlike with whole life, the cash value investments grow at a variable rate that is adjusted monthly. There is usually a minimum rate of return. These changes to the interest scheme allow the holder to take advantage of rising interest rates. The danger is that falling interest rates may cause premiums to increase and even cause the policy to lapse if interest can no longer pay a portion of the insurance costs.
Variable Universal Life Insurance Variable universal life insurance is a combination of universal life insurance and variable life insurance in that excess interest credited to the cash value account depends on investment results of separate accounts (equities, bonds, real estate, etc.). You have a choice as to how the cash value is invested — stock and bond mutual funds. However, there is no guaranteed minimum interest rate with a universal life insurance policy. Survivorship Universal Life Insurance Survivorship universal life insurance provides a policy in which two people are covered on one policy. The death benefit is paid upon the second death. The premiums for this joint life policy are significantly lower than a regular policy. Many people take this type of life insurance to help pay estate taxes after the deaths of both a husband and wife. Term Life Insurance vs. Permanent Life Insurance Deciding between term life and permanent life insurance is no easy task. Each policy has its benefits. The younger generation tends to opt for term life insurance. It provides maximum coverage at the lowest premium. However, term insurance also has its disadvantages. This type of life insurance provides a death benefit only for a specific period of time. When the policy expires, so does the protection. While many term policies are convertible to permanent policies, others may not be. So there is the possibility of being uninsurable once the term policy expires. Also, with term insurance, premiums increase with each renewal, so the policy can become very costly. Permanent life insurance, on the other hand, can be the best long-term solution for many. Cash value life insurance provides life-long insurance protection. As long at the premiums are always paid, your policy will never be canceled. Although permanent life insurance premiums are often more expensive than term insurance premiums, your permanent life insurance policy can actually be less expensive in the long-run. This is because most permanent policies pay dividends, which can be applied toward the next payment. Therefore, premium payments may end after several years, yet coverage will continue for life. This kind of policy also allows for future loans, borrowing against your established cash value. Buying a life insurance policy is an important financial decision. Before choosing your policy, be sure you understand the kind of insurance you are buying, as well as the advantages and disadvantages to each policy. For more information on life insurance policies, contact your friendly FarmerBrown.com agent.


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History & biographies
Neighbor Dearest
Penelope Ward Aug 2016
Penelope Ward Books, Inc.
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A STANDALONE NOVEL that does NOT need to be read in conjunction with any other book.
From New York Times bestselling author, Penelope Ward, comes a friends-to-lovers story with sexy new characters.
After getting dumped, the last thing I needed was to move next door to someone who reminded me of my ex-boyfriend, Elec.
Damien was a hotter version of my ex.
The neighbor I'd dubbed "Angry Artist" also had two massive dogs that kept me up with their barking.
He wanted nothing to do with me. Or so I thought until one night I heard laughter coming through an apparent hole in my bedroom wall.
Damien had been listening to all of my phone sessions with my therapist.
The sexy artist next door now knew all of my deepest secrets and insecurities.
We got to talking.
He set me straight with tips to get over my breakup.
He became a good friend, but Damien made it clear that he couldn't be anything more.
Problem was, I was falling hard for him anyway. And as much as he pushed me away, I knew he felt the same…because his heartbeat didn't lie.
I thought my heart had been broken by Elec, but it was alive and beating harder than ever for Damien.
I just hoped he wouldn't shatter it for good.
Author's note – Neighbor Dearest is a full-length standalone novel.
Penelope Ward is a New York Times, USA Today and #1 Wall Street Journal bestselling author.
She grew up in Boston with five older brothers and spent most of her twenties as a television news anchor. Penelope resides in Rhode Island with her husband, son, and beautiful daughter with autism.
With over 1.5 million books sold, she is a twenty-time New York Times bestseller and the author of over twenty novels.
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You're not supposed to want the one who torments you.
When my stepbrother, Elec, came to live with us my senior year, I wasn't prepared for how much of a jerk he'd be.
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Description Light PHP Content Management System is a lightweight offering in the area of dynamic content. It offers the ability to have a dynamic web site without the unnecessary baggage community portals carry with them. Light PHP CMS is focused on quickly and easily providing dynamic content to people of all skill levels. People new to dynamic web sites get one up and running in minutes. People with web development skills get the core work done form them, allowing them to concentrate on site design and advanced features. The simple template-based approach allows anyone to design an web page in HTML, and cut and paste code snippets into template files. Adding a little extra data, these code snippets can be filled with database data and replicated, giving designers to the ability design each type of page only once. This saves time, reduces maintenance complexity, and saves money.


I've been a big fan of the comic "Frazz" for several years. The titular character is an elementary school janitor who also happens to be a sucessful song writer and, of course, triathlete. I love the literary jokes in the comic and also the triathlon/cycling references. Today's was especially cute... the back story is that Frazz was coaching a little league team for the summer. The championships was on the same day as a big triathlon. His team didn't want to lose him as a coach so they agreed to not try to win so that he wouldn't have to miss the triathlon... of course with this relaxed attitude the team went undefeated! Just when Frazz embraced the fact that he wouldn't be racing and would instead be coaching the team to a league title, the rain on the day canceled the championship, enabling him to do the big race after all! Today's strip is the day after the big race. Check it out!


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Lexi J. Hazam
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Lexi represents hip replacement patients in the DePuy ASR, DePuy Pinnacle metal-on-metal, and Stryker Rejuvenate hip implant injury lawsuits, representing over 300 clients and working with leading regulatory experts. Lexi has been appointed by the court overseeing the nationwide Abilify gambling injuries MDL litigation to the Plaintiffs Executive Committee and the Science and Expert Sub-Committee for the case, and was also appointed by the court overseeing the nationwide Benicar MDL litigation to the Plaintiffs' Steering Committee therein, and serves as Co-Chair of the Benicar MDL Plaintiffs' Science and Experts Committee. She has also spoken at several conferences on Benicar injuries and Benicar lawsuits.
Lexi has spoken at two conferences for plaintiffs' counsel on the DePuy litigation. She has also spoken on mass torts topics at the Women En Mass conference for women in mass torts, the annual CAOC conference, and the California Lawyer's Product Liability Roundtable, and serves on Law360's Product Liability Advisory Board.
Lexi's qui tam cases include the $21.7 million settlement of litigation against Avaya, Lucent Technologies, and AT&T for charging governmental agencies for the lease of communications systems they no longer possessed and/or were no longer maintained by defendants. She worked on the Office Depot qui tam litigation, a lawsuit alleging that Office Depot knowingly overcharged California cities, counties, and school districts on office and school supplies purchased under U.S. Communities contracts, that settled in 2015 for $68.5 million. Lexi has also worked on several additional qui tam cases alleging Medicare fraud. Lexi has been a speaker on the California Lawyer's False Claims Act Roundtable.
Lexi previously represented hemophiliacs worldwide, or their survivors and estates, who contracted HIV and/or Hepatitis C from contaminated blood factor products in America. A confidential settlement was reached in 2009. Lexi played a key role in litigating the case and in negotiating and administering a settlement of the claims of 1,600 clients in 15 countries, utilizing her multilingual skills in working with co-counsel on several continents. The blood factor litigation constitutes one of the only, if not the only, case in which major U.S. pharmaceutical companies entered a settlement with plaintiffs worldwide. Lexi also has significant experience representing the families of victims in major international aviation disasters, including the crash of Gol Airlines Flight 1907 in Brazil in 2006.
Lexi's class action practice includes representing nursing home patients of Evergreen and Kindred facilities who received deficient care due to understaffing. A settlement in the Evergreen case includes an injunction requiring adequate staffing for several years, without any release of claims by the class. Combined with related cases against other leading nursing home facilities, the litigation is helping to create a new standard for the staffing of nursing homes in California.
In 2018, Lexi was elected Vice-Chair of the American Association for Justice's Section on Qui Tam Litigation, having previously served as Co-Secretary of the section. In 2016, Lexi was elected as Chair Elect of the American Association for Justice's Section on Toxic, Environmental, and Pharmaceutical Torts (STEP), having previously served in 2015 as Vice-Chair of that section. Lexi was also selected in 2015 for the AAJ Leadership Academy and the Sedona Conference Working Group 1 Drafting Team for the Primer on Technology-Assisted Review. Lexi has also served on the Court Funding and Litigation Challenge Group Task Force of the Bar Association of San Francisco and the Diversity Committee of the San Francisco Trial Lawyers Association.
Personal Injury & Mass Torts
University of California, Berkeley, School of Law (Berkeley Law), Berkeley, California
Law Review: California Law Review, Articles Editor
Law Journal: La Raza Law Journal, Articles Editor
Stanford University, Stanford, California
M.A. – 1996
U.S. Court of Appeals, 2nd Circuit, 2008
U.S. Court of Appeals, 7th Circuit, 2006
U.S. District Court, Northern District of California, 2003
U.S. District Court, Southern District of California, 2013
U.S. District Court, Western District of Michigan, 2017
American Association for Justice (Vice-Chair, Section on Qui Tam Litigation, 2018; Co-Secretary, Section on Qui Tam Litigation, 2016)
Law360 Editorial Advisory Board, Product Liability, 2018
American Association for Justice (Chair, Section on Toxic, Environmental, and Pharmaceutical Torts, 2016)
Bar Association of San Francisco (Court Funding and Litigation Challenge Group Task Force)
Board of Governors, Consumer Attorneys of California, 2015
San Francisco Trial Lawyers Association (Diversity Committee)
"Technology-Assisted Review: Advice for Requesting Parties," Practical Law, October/November 2016
"Floods, Fires & Hurricanes, Oh My! – Litigating Climate Change," American Bar Association, Toxic Torts & Environmental Law Committee Conference, April 4-6 2019
"Supreme Court Review of Escobar," Qui Tam Litigation Group, American Association for Justice Annual Convention, Boston 2017
"Discovery Following the 2015 Federal Rules Amendments: What Does Proportionality Mean in the Class Action and Mass Tort Contexts?" American Bar Association 4th Annual Western Regional CLE Program on Class Actions and Mass Torts, San Francisco 2017
"Increasing the Number of Women and Minority Lawyers Appointed to Leadership Positions in Class Actions and MDLs," Duke Law Center for Judicial Studies Conference, Atlanta 2017
"2015 Rules Amendments," "Search Methodology and Technology," "New Forms of Communications and Data Protection," Innovation in eDiscovery Conference, San Francisco 2016
"Technology-Assisted Review," Sedona Conference Working Group 1 Drafting Team, 2015
"The Benicar Litigation," Mass Torts Made Perfect, Las Vegas 2015
"The Benicar Litigation," HarrisMartin's MDL Conference, San Diego 2015
"Now You See Them, Now You Don't: The Skill of Finding, Retaining, and Preparing Expert Witnesses For Trial," Women En Mass, Aspen 2014
Selected for inclusion by peers in The Best Lawyers in America in fields of "Mass Tort Litigation/Class Actions – Plaintiffs" and "Qui Tam Law," 2015-2019
"Super Lawyer for Northern California," Super Lawyers, 2015-2019
"Lawyer of the Year," The Best Lawyers in America, Mass Tort Litigation/Class Actions-Plaintiffs for San Francisco, 2017
"California Litigation Star," Benchmark Litigation, 2016
"California Future Star," Benchmark Litigation, 2015
Legal 500 recommended lawyer, LegalEase, 2013
"Rising Star for Northern California," Super Lawyers, 2009-2011, 2013
Mexican American Legal Defense and Education Fund, Law Clerk, 1999
Judge Henry H. Kennedy, Jr., U.S. District Court for the District of Columbia, Law Clerk, 2001 – 2002
Lieff Cabraser, Heimann & Bernstein, LLP, Associate, 2002 – 2006
Lieff Global LLP, Partner, 2006 – 2008
Lieff Cabraser Attorneys to Speak at HarrisMartin's Upcoming Southern California Wildfires & Mudslide Litigation Conference
Three Lieff Cabraser Attorneys Selected for Law360's Practice Group Editorial Advisory Boards
Lexi Hazam Discusses Abilify Litigation at Mass Torts Made Perfect Conference
Lexi Hazam Speaks at HarrisMartin's National Opioid Litigation Conference
Lexi Hazam Discusses Supreme Court Review of Escobar at AAJ Annual Convention
ATK Launch Systems
DePuy ASR Hip Implant Recall
Kindred Nursing Facilities
State Street Corporation


Valentine's Day in Kiama might only be a one-day affair, but we've got the love bug all month long in Kiama. With quieter beaches, balmy evenings and cheaper rates, February is the ideal time to set your lover swooning. Here's what's on.
Follow the kids' lead and get back to class. Kiama Art Workshops offers budding or advanced creatives the chance to spread their artistic wings. Sign up for Colour Theory with Jodi Stewart and be guided through techniques to increase your confidence in happy hues. You'll walk away from the one-day class ready to create wonderful works of art in any medium including watercolour, acrylic and oils. It's on Feb 23.
With the Kiama Coast Walk, our brilliant blowholes and an abundance of unforgettable picnic locations, you'll be spoilt for choice month-long with cuddleworthy natural settings. Often all you need for a romantic night in is the two of you and the backdrop of Mother Nature. Relax on your deck – or in your deck chairs – and take in the sights of our spectacular surroundings. Hint: pick up a bottle of local wine from Manning Street Cellars and pre-order some take away so you don't have to lift a finger.
Share a love of music with your love? Don't miss celebrated international pianist Penelope Thwaites. She'll take to the stage at the Gerringong Town Hall on Feb 17, giving a fascinating insight into the lives and work of Bach, Beethoven, Grainger, Chopin and more as she performs their music. Tickets are $25 at the door, and include afternoon tea.
Our beaches and waterways are our biggest drawcard, and they're bound to be a lot less busy this month. Take a surf lesson together at Surf Beach or explore the reefs with a deep sea fishing trip with Kiama Charter Service. The estuary of the Minnamurra River is ideal for kayaking. Canoe and Kayak Adventures offer guided kayak journeys along the banks of the river, exploring the sand spit and mangroves along the way.


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NHL expansion: Quebec, Toronto could get new teams according to report
The NHL may add expansion teams in Toronto and Quebec City once there is a new CBA, according to The Hockey News.
By Peter Berkes Oct 16, 2012, 10:01am EDT
Share All sharing options for: NHL expansion: Quebec, Toronto could get new teams according to report
Bruce Bennett - Getty Images
The NHL could add two expansion teams in Toronto and Quebec City once a new collective bargaining agreement has been reached, according to a tweet from Jason Kay, Editor-in-Chief of The Hockey News. It has long been thought that the league was more likely to relocate financially struggling teams like the Phoenix Coyotes than bring in expansion teams, but that may not be the case any longer.
Quebec City was the home of the Quebec Nordiques from 1972 to 1995, when the team relocated to Denver and became the Colorado Avalanche. For the past several years, Quebec has been considered a leading candidate to receive a team if one relocated, but expansion would work just the same, for their purposes.
Toronto hosting a second team is an idea that's gained more traction in the past several years. Southern Ontario has the population base to support a second team, but the Toronto Maple Leafs would have to consent to having another team in their area. Several years ago, former RIM CEO Jim Balsillie attempted to move the Nashville Predators to Hamilton, Ontario, but the move fell through.
What chance does each remaining team have at winning the Super Bowl? The Packers are the favorites right now, but not by as much as you'd think.
8 winners and 3 losers from Super Wild Card Weekend The Bills got the giant monkey off their back, finally.


As a developmental financial institution, IFCI helped build some of India's critical projects. But is today's IFCI groping in darkness, unable to find a sustainable business model?
With Government calling for the induction of a strategic investor in IFCI urgently, the problems plaguing the developmental bank are once again in the spotlight.
It is not clear what prevented IFCI from following the route of ICICI and IDBI in converting themselves to private banks, which is in fact an international model, as developmental financial institutions became unviable.
Though IFCI's profits have halved during the past year, its holdings in other companies should fetch it good returns in the long term. But there are no indications yet from IFCI on how to utilize these stakes.
Despite IFCI unable to replay a Rs. 1573 crore loan from Government at 0.1% interest rate, and despite it being converted to a grant, IFCI is still in doldrums, signaling a serious asset-liabilities mismatch. Restructuring has been in place since 2002, at the expense of further growth.
Some IFCI promoted subsidiaries have also run into problems, a recent example being their asset reconstruction company, Asset Care Enterprise, facing rejection from RBI about a nearly 50% divestment.
Questions to CEO Atul Kumar Rai's office on these issues went unanswered at the time of publication.
IFCI also needs to develop a brand equity leveraging on its contributions to many of country's critical projects.
IFCI should be given to a group with good track record in growth and customer service as India needs better customer service from banks. The banking license should be given before privatization so Public Sector entities get good return on investment.
Everyone will stand to gain : Government, Shareholders and the Country.
1. Profits declined for two consequtive years - and will decline again for third year - when all other banks and NBFC are growing in profits. Dismal performance.
2. As low cost debt retires the profits will reduce substantially. Future NPA problems will criple the organization once again.
3. Management makes investment at expensive valuation - MCX - SX at 3 times price what other PSB paid. No other entity paid same price as IFCI.
4. IFCI needs a clear shareholder to whom management will be accountable.
5. RBI rejected IFCI banking license based on performance.
7. 20% of IFCI book (more than to any other sector) is to Steel sector which is risky and cyclical.
8. IFCI reconverted LIC shares into bonds at Rs.107 when market price was Rs.18, shorchanging all other shareholders.
Will ING Vysya's Prospects Improve Anytime Soon?


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September 2002 (Revised October 2002)
Managing Knowledge and Learning at NASA and the Jet Propulsion Laboratory (JPL)
By: Dorothy A. Leonard and David Kiron
Jet Propulsion Laboratory (JPL) faces a serious loss of knowledge--both because of the "faster, better, cheaper" mandate for Mars missions and from the retirement of key personnel. An extensive knowledge management system for NASA/JPL includes formal knowledge-capture mechanisms such as Web pages and digitized manuals and such informal ones as storytelling. The former are much easier to get funded and to implement than the latter, but chief knowledge architect Jeanne Holm is concerned that technology cannot solve some of the most difficult issues she faces. This case focuses more on managing the tacit knowledge held in the heads of scientists and experienced project managers than on the information technology that Holm has put in place. The switch from expensive but infrequent Mars missions to 2 missions every 26 months propelled a number of junior managers into positions of responsibility and decision making for which they had inadequate experience. In the face of increasingly tight budgets, Holm must decide what kinds of knowledge management initiatives to back--and how to encourage the cultural change that is needed in the organization.
Knowledge Management; Knowledge Dissemination; Leadership Development; Internet and the Web; Risk and Uncertainty; Organizational Culture; Retirement; Human Resources; Human Capital
Leonard, Dorothy A., and David Kiron. "Managing Knowledge and Learning at NASA and the Jet Propulsion Laboratory (JPL)." Harvard Business School Case 603-062, September 2002. (Revised October 2002.)
Dorothy A. Leonard
More from the Authors
September 2016 (Revised July 2017)
Transferring Knowledge Between Projects at NASA JPL (A) and (B)
By: Dorothy Leonard and Christopher Myers
Transferring Knowledge Between Projects at NASA JPL (B)
Transferring Knowledge Between Projects at NASA JPL (A)
Transferring Knowledge Between Projects at NASA JPL (A) and (B) By: Dorothy Leonard and Christopher Myers
Transferring Knowledge Between Projects at NASA JPL (B) By: Dorothy Leonard and Christopher Myers
Transferring Knowledge Between Projects at NASA JPL (A) By: Dorothy Leonard and Christopher Myers


text:
N26 Bank AG (conosciuta come Number 26 fino a luglio 2016) è una banca diretta, tedesca, con sede a Berlino, che offre servizi finanziari a clienti di vari stati membri dell'Area unica dei pagamenti in euro (SEPA) e degli Stati Uniti. Le operazioni nel Regno Unito sono state sospese nell'aprile 2020 a causa delle incertezze dovute alla Brexit.

Storia
Nell'aprile 2016, N26 ha ricevuto € 10 milioni in un primo turno di finanziamenti da parte di Valar Ventures.
Valar Ventures è stata co-fondata da Peter Thiel, cofondatore di PayPal.

Inizialmente ha iniziato le operazioni senza possedere una licenza bancaria: era semplicemente un'interfaccia all'utilizzatore, mentre il back-end era fornito da Wirecard. Nel luglio 2016 la società ha cambiato nome in N26 Bank, avendo ricevuto l'autorizzazione all'attività bancaria da parte della BaFin, l'autorità federale di vigilanza finanziaria tedesca.

Nel dicembre 2016 la società N26 ha annunciato che il suo conto corrente di base sarebbe diventato disponibile per 17 paesi dell'Eurozona.

A marzo 2018, N26 ha annunciato un'offerta di capitale di rischio di serie C.

È diventata disponibile per i clienti residenti negli Stati Uniti, dopo aver inizialmente ipotizzato una data di lancio nel 2018.

L'11 gennaio 2021 N26 ha interrotto definitivamente il suo servizio negli Stati Uniti a 500.000 clienti per poter rafforzare la sua presenza sul mercato europeo.

Sanzioni e provvedimenti

Politiche antiriciclaggio
Il 28 marzo 2022 Banca d'Italia ha emesso un provvedimento contro l'istituto di credito tedesco, a causa di significative carenze nel rispetto della normativa vigente in materia di antiriciclaggio. Tale provvedimento ha portato pesanti limitazioni dell'attività di N26 in Italia, tra cui l'impossibilità di aprire nuovi conti correnti e la limitazione nella vendita di prodotti finanziari.

Controllo di identità
Nel giugno 2021, l'istituto è stato oggetto di una sanzione da parte dell'Ente finanziario regolatore tedesco BanFin, a causa della carenza di controllo sull'identità effettiva degli aspiranti correntisti; come infatti dimostrato da varie inchieste giornalistiche precedenti, era molto facile aggirare l'algoritmo e i controlli di verifica sull'identità, caricando addirittura documenti falsi.

Note

Altri progetti

Collegamenti esterni

Banche tedesche
Servizi finanziari
Aziende del settore della tecnofinanza

redpajama_set_name: RedPajamaWikipedia


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Nii Simmonds – Maker Faire Africa/Afrobotics
SOCAP Global June 16, 2009
Nii Simmonds is a recognized speaker, consultant, and sustainable evangelist on African entrepreneurship. Mr. Simmonds is an African blogger who blogs on Nubian Cheetah. Nubian Cheetah seeks to inform those who have an intrinsic interest in Africa's sustainable development with regards to; ICT, technology, business, venture capital, social entrepreneurship and affordable health care.
Mr. Simmonds speaks and presents on entrepreneurship, SME financing, sustainable technology, affordable health care, small-scale manufacturing in Africa and other emerging markets. Professionally Mr. Simmonds is a consultant who has experience in corporate finance, supply chain management, competitive intelligence, corporate strategy and outsourcing.
Mr. Simmonds is a co-founder of Maker Faire Africa, an annual rotating country event to showcase African ingenuity, innovation and invention. He is also the co-founder of Afrobotics, an African robotic competition. Afrobotics mission is to inspire African university students to be science, engineering, and technology leaders, by enabling them in innovative team-based competitions that build science, engineering and technology skills, that inspire entrepreneurial risk-taking, and that foster well-rounded life capabilities including self-confidence, communication, and leadership. Currently, he serves on the board of advisors for Investors Without Borders, Sproxil, Maker Faire Africa, Afrobotics, Gateway Innovations Limited and BarCampGhana.
Mr. Simmonds got his B.S. in Management/Finance from Smeal College of Business at Pennsylvania State University and a minor in Information Systems and Statistical Analysis. Mr. Simmonds holds a Business Process Outsourcing Master Certificate from the Wharton School.


From American Fairy Tales, 1901.
There lived in Boston a wise and ancient chemist by the name of Dr. Daws, who dabbled somewhat in magic. There also lived in Boston a young lady by the name of Claribel Sudds, who was possessed of much money, little wit and an intense desire to go upon the stage.
"I can neither sing nor dance; I cannot recite verse nor play upon the piano; I am no acrobat nor leaper nor high kicker; yet I wish to go upon the stage. What shall I do?"
"Are you willing to pay for such accomplishments?" asked the wise chemist.
"Certainly," answered Claribel, jingling her purse.
"Then come to me to-morrow at two o'clock," said he.
All that night he practiced what is known as chemical sorcery; so that when Claribel Sudds came next day at two o'clock he showed her a small box filled with compounds that closely resembled French bonbons.
"This is a progressive age," said the old man, "and I flatter myself your Uncle Daws keeps right along with the procession. Now, one of your old-fashioned sorcerers would have made you some nasty, bitter pills to swallow; but I have consulted your taste and convenience. Here are some magic bonbons. If you eat this one with the lavender color you can dance thereafter as lightly and gracefully as if you had been trained a lifetime. After you consume the pink confection you will sing like a nightingale. Eating the white one will enable you to become the finest elocutionist in the land. The chocolate piece will charm you into playing the piano better the Rubenstein, while after eating the lemon-yellow bonbon you can easily kick six feet above your head."
"How delightful!" exclaimed Claribel, who was truly enraptured. "You are certainly a most clever sorcerer as well as a considerate compounder," and she held out her hand for the box.
"Ahem!" said the wise one; "a check, please."
"Oh, yes; to be sure! How stupid of me to forget it," she returned.
He considerately retained the box in his own hand while she signed a check for a large amount of money, after which he allowed her to hold the box herself.
"Are you sure you have made them strong enough?" she enquired, anxiously; "it usually takes a great deal to affect me."
"My only fear," replied Dr. Daws, "is that I have made them too strong. For this is the first time I have ever been called upon to prepare these wonderful confections."
"Dont worry," said Claribel; "the stronger they act the better I shall act myself."
She went away, after saying this, but stopping in at a dry goods store to shop, she forgot the precious box in her new interest and left it lying on the ribbon counter.
Then little Bessie Bostwick came to the counter to buy a hair ribbon and laid her parcels beside the box. When she went away she gathered up the box with her other bundles and trotted off home with it.
"Why, it's a box of candy! Someone must have mislaid it. But it is too small a matter to worry about; there are only a few pieces." So she dumped the contents of the box into a bonbon dish that stood upon the hall table and picking out the chocolate piece - she was fond of chocolates - ate it daintily while she examined her purchases.
These were not many, for Bessie was only twelve years old and was not yet trusted by her parents to expend much money at the stores. But while she tried on the hair ribbon she suddenly felt a great desire to play upon the piano, and the desire at last became so overpowering that she went into the parlor and opened the instrument.
The little girl had, with infinite pains, contrived to learn two "pieces" which she usually executed with a jerky movement of her right hand and a left hand that forgot to keep up and so made dreadful discords. But under the influence of the chocolate bonbon she sat down and ran her fingers lightly over the keys producing such exquisite harmony that she was filled with amazement at her own performance.
That was the prelude, however. The next moment she dashed into Beethoven's seventh sonata and played it magnificently.
Her mother, hearing the unusual burst of melody, came downstairs to see what musical guest had arrived; but when she discovered it was her own little daughter who was playing so divinely she had an attack of palpitation of the heart (to which she was subject) and sat down upon a sofa until it should pass away.
Meanwhile Bessie played one piece after another with untiring energy. She loved music, and now found that all she need do was to sit at the piano and listen and watch her hands twinkle over the keyboard.
Twilight deepened in the room and Bessie's father came home and hung up his hat and overcoat and placed his umbrella in the rack. Then he peeped into the parlor to see who was playing.
"Great Caesar!" he exclaimed. But the mother came to him softly with her finger on her lips and whispered: "Don't interrupt her, John. Our child seems to be in a trance. Did you ever hear such superb music?"
"Why, she's an infant prodigy!" gasped the astounded father. "Beats Blind Tom all hollow! It's - it's wonderful!"
As they stood listening the senator arrived, having been invited to dine with them that evening. And before he had taken off his coat the Yale professor - a man of deep learning and scholarly attainments - joined the party.
Bessie played on; and the four elders stood in a huddled but silent and amazed group, listening to the music and waiting for the sound of the dinner gong.
Mr. Bostwick, who was hungry, picked up the bonbon dish that lay on the table beside him and ate the pink confection. The professor was watching him, so Mr. Bostwick courteously held the dish toward him. The professor ate the lemon-yellow piece and the senator reached out his hand and took the lavender piece. He did not eat it, however, for, chancing to remember that it might spoil his dinner, he put it in his vest pocket. Mrs. Bostwick, still intently listening to her precocious daughter, without thinking what she did, took the remaining piece, which was the white one, and slowly devoured it.
Her husband continued to sing as if endeavoring to emulate the famous Christine Nillson, and paid no attention whatever to his wife or his guests.
Fortunately the dinner gong now sounded, and Mrs. Bostwick dragged Bessie from the piano and ushered her guests into the dining-room. Mr. Bostwick followed, singing "The Last Rose of Summer" as if it had been an encore demanded by a thousand delighted hearers.
The poor woman was in despair at witnessing her husband's undignified actions and wondered what she might do to control him. The professor seemed more grave than usual; the senator's face wore an offended expression, and Bessie kept moving her fingers as if she still wanted to play the piano.
Mrs. Bostwick managed to get them all seated, although her husband had broken into another aria; and then the maid brought in the soup.
"Hold it higher! Higher---I say!" And springing up he gave it a sudden kick that sent it nearly to the ceiling, from whence the dish descended to scatter soup over Bessie and the maid and to smash in pieces upon the crown of the professor's bald head.
At this atrocious act the senator rose from his seat with an exclamation of horror and glanced at his hostess.
For some time Mrs. Bostwick had been staring straight ahead, with a dazed expression; but now, catching the senator's eye, she bowed gracefully and began reciting "The Charge of the Light Brigade" in forceful tones.
The senator shuddered. Such disgraceful rioting he had never seen nor heard before in a decent private family! He felt that his reputation was at stake, and, being the only sane person, apparently, in the room, there was no one to whom he might appeal.
The maid had run away to cry hysterically in the kitchen; Mr. Bostwick was singing "O Promise Me;" the professor was trying to kick the globes off the chandelier; Mrs. Bostwick had switched her recitation to "The Boy Stood on the Burning Deck," and Bessie had stolen into the parlor and was pounding out the overture from the "Flying Dutchman."
The senator was not at all sure he would not go crazy himself, presently; so he slipped away from the turmoil, and, catching up his hat and coat in the hall, hurried from the house.
That night he sat up late writing a political speech he was to deliver the next afternoon at Faneuil hall, but his experiences at the Bostwick's had so unnerved him that he could scarcely collect his thoughts, and often he would pause and shake his head pityingly as he remembered the strange things he had seen in that usually respectable home.
The next day he met Mr. Bostwick in the street, but passed him by with a stony glare of oblivion. He felt he rally could not afford to know this gentleman in the future. Mr. Bostwick was naturally indignant at the direct snub; yet in his mind lingered a faint memory of some quite unusual occurrences at his dinner party the evening before, and he hardly knew whether he dared resent the senator's treatment or not.
The political meeting was the feature of the day, for the senator's eloquence was well known in Boston. So the big hall was crowded with people, and in one of the front tows sat the Bostwick family, with the learned Yale professor beside them. They all looked tired and pale, as if they had passed a rather dissipated evening, and the senator was rendered so nervous by seeing them that he refused to look in their direction a second time.
While the mayor was introducing him the great man sat fidgeting in his chair; and, happening to put his thumb and finger into his vest pocket, he found the lavender-colored bonbon he had placed there the evening before.
"This may clear my throat," thought the senator, and slipped the bonbon into his mouth.
A few minutes afterwards he arose before the vast audience, which greeted him with enthusiastic plaudits.
"My friends," began the senator, in a grave voice, "this is a most impressive and important occasion."
Then he paused, balanced himself upon his left foot, and kicked his right leg into the air in the way favored by ballet-dancers!
There was a hum of amazement and horror from the spectators, but the senator appeared not to notice it. He whirled around upon the tips of his toes, kicked right and left in a graceful manner, and startled a bald-headed man in the front row by casting a languishing glance in his direction.
"That's the man who stole my bonbons! Seize him! Arrest him! Don't let him escape!"
But the ushers rushed her out of the hall, thinking she had gone suddenly insane; and the senator's friends seized him firmly and carried him out the stage entrance to the street, where they put him into an open carriage and instructed the driver to take him home.
The effect of the magic bonbon was still powerful enough to control the poor senator, who stood upon the rear seat of the carriage and danced energetically all the way home, to the delight of the crowd of small boys who followed the carriage and the grief of the sober-minded citizens, who shook their heads sadly and whispered that "another good man had gone wrong."
It took the senator several months to recover from the shame and humiliation of this escapade; and, curiously enough, he never had the slightest idea what had induced him to act in so extraordinary a manner. Perhaps it was fortunate the last bonbon had now been eaten, for they might easily have caused considerably more trouble than they did.
Of course Claribel went again to the wise chemist and signed a check for another box of magic bonbons; but she must have taken better care of these, for she is now a famous vaudeville actress.
This story should teach us the folly of condemning others for actions that we do not understand, for we never know what may happen to ourselves. It may also serve as a hint to be careful about leaving parcels in public places, and, incidentally, to let other people's packages severely alone.
Originally published in the Philadelphia Public Ledger, June 24, 1917.
The world their feathered fine apparel.
A napping in their hidden ------!
The Forgetful Poet says that the forgotten words are authors. In answering this puzzle you need not copy the whole poem, but just send in a list of the missing words. Address your letters to the Forgetful Poet, care of the Boys and Girls' Department.
Mr. G. Ography said that it could not be done. He shook his head so solemnly that I hastened to inquire what he meant. "Just this," he replied, "I cannot make my puzzles hard enough for the boys and girls, they catch me every time." Sh-h, I'm afraid he is right, but I cannot help being glad, for it proves, of course, a number of things. I am glad so many of you recognized the famous men in last week's puzzle. They were Elihu Root, one of America's foremost statesmen, suggested to head the commission to be sent to Russia to help establish the republic; George Washington Goethals, builder of the Panama Canal and at present head of the shipbuilding plans in the present war; Major General Pershing, who is to lead the American divisions to France; Right Honorable Arthur J. Balfour, English statesman and author and one of the English Commission who visited the United States recently; Herbert Hoover, head of the Belgian relief organization and at present serving his own country in the capacity of Food Administrator; and General Leonard Wood, commander of the Department of the Southeast, U. S. A.


There are many streaming related questions being asked right now, here are the top 5 and also how the current Ericsson product portfolio is helping address these common industry concerns.
Live to VoD - viewer expectation related to on-demand viewing of live programming means that broadcasters need to publish live content as VoD assets, minutes rather than hours after linear broadcast. We have evolved our own portfolio to offer extensive support for this use case.
UHD - we see increased interest in UHD and what it takes to stream this high quality, high bitrate content to connected devices. UHD comes in various guises and acronyms, with options such as 4K resolution, HDR, HFR, WCG and immersive audio all to be considered. How this content is compressed, packaged and published pushes the capabilities of today's streaming services. We have built up considerable experience with UHD from both a product and services perspective, and offer wide UHD support in our portfolio.
Latency and Performance - one common theme for OTT streaming that has existed since the earliest days and still sits in the most frequently asked category is how to ensure content reaches viewers quickly (which is particularly important for live sports) and reliably - at scale. As mobile viewing increases, this presents particular challenges to ensure that content is cached close to the consumer, whether they are on a mobile network, home WiFi or a public hotspot. We have launched a service called Unified Delivery Network (UDN) that addresses these challenges in partnership with network providers across the world.
Dynamic Ad Insertion - one of the strengths of online streaming over traditional broadcasting is that advertising can be targeted at an individual rather than a broad demographic or geography. This requires a range of technologies and services that can operate in concert, and in real-time, to replace linear ads with more targeted alternatives. We have developed sophisticated solutions for this purpose and manage such services for many customers today.
VR and 360 Video - the new entrant in this year's list is how emerging formats such as Virtual Reality and 360 video can be streamed. This is an area of R&D for us and the challenges are considerable. Good quality VR requires high-resolution video, but full HD video looks relatively poor when viewed millimetres from your retina, so 4K, per eye, becomes a realistic expectation. The 360 nature of the material also requires very low latency streaming so that when the viewer's field of view changes, the appropriate stream can be presented. The use of 5G as a transport network may prove to be particularly suited to these requirements.


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Inspired by personal experiences, PhD grad advocates for inclusive science education
Emily Balli
Editor's note: This story is part of a series of profiles of notable fall 2021 graduates.
When Logan Gin was searching for PhD programs after receiving his undergraduate degrees in biology and political science from the University of North Carolina at Chapel Hill in 2017, Arizona State University immediately stood out to him.
"I was really impressed with the Center for Biology and Society and just how interdisciplinary it was and that it specifically had a place that valued and emphasized biology education research," Gin said. "It was really at the forefront of places in the country to be able to conduct graduate-level research in biology education."
Gin, a first-generation college student, was also inspired by the work being done at the School of Life Sciences around diversity, equity and inclusion in biology by Professor Sara Brownell's research group. This kind of work is especially close to home for Gin, as he has diastrophic dwarfism, a physical disability that affects cartilage and bone development.
"That's something that I've had to overcome and it's certainly a part of me, but in many ways it's inspired the work that I have done and the work I want to do in the future in terms of making science learning environments more inclusive for individuals with disabilities," he said. "Based on some of my own personal experiences as an undergraduate student who struggled with navigating these spaces, they are oftentimes inaccessible for people with physical disabilities, but really any type of disability."
Throughout his time at ASU, Gin has worked closely with Brownell and Assistant Professor Katelyn Cooper to complete research on how science communities can create more inclusive environments for students with disabilities, coauthoring a number of research articles on the topic.
His research culminated in a dissertation that examined the challenges students with disabilities encounter in evolving higher education learning environments. By presenting his findings from a number of studies, Gin argued that institutions need to consider modifying student accommodations to better support students with disabilities.
This fall, Gin will receive his PhD in biology and society. He shared more about his research, his experiences at ASU and what's next for him.
Question: What's something you learned while at The College — in the classroom or otherwise — that surprised you or changed your perspective?
Answer: How important it is to emphasize diversity and inclusion. I've heard the buzzwords of diversity, equity and inclusion prior to coming to ASU, but truly understanding its importance and prioritizing it above anything else has really kind of changed my perspective on how I would approach situations from here on out. It's crucial to make sure that diversity, equity and inclusion are truly at the forefront in both our research, our teaching and our service.
The Research for Inclusive STEM Education Center inspired a lot of the work that I've been able to do in my PhD. For example, the center put forth an entire series on striving for racial justice in academic biology that was essentially a nationwide event to respond to issues of racial injustice in the country. Folks in our community and in our discipline really look to the center, our research group, and Sara Brownell and Katey Cooper in particular, in terms of what it looks like to conduct research in diversity, equity and inclusion. Just being a part of that has really kind of changed my mindset on how to approach these issues.
Q: Did you experience any obstacles along your way? How did you overcome them?
A: I'm short statured and I use crutches and a mobility scooter to get around campus and otherwise. So that's inherently led to challenges, both physically as I navigate spaces and just as I approach my work. … I've personally struggled in some of my lab courses, for example, with accessing lab benches and doing some of these things that just based on the design of our spaces make it challenging. That's an obstacle that has carried with me from undergraduate to graduate school, but thankfully with the help of mentors like Sara and Katey we've been able to mitigate some of those challenges that I may face.
One other thing that I've had to overcome in graduate school is struggling with mental health, specifically anxiety and depression. That inspired another line of my work that specifically focuses on students with mental health conditions as they navigate both undergraduate and graduate school. Knowing that this is a part of me and that it may impact me at different instances, but it doesn't necessarily mean that I can't complete and be successful in a graduate program, has really been impactful on my journey. Thankfully having supportive mentors, peers and colleagues has really helped with that.
Logan Gin poses in front of Old Main on the Tempe campus after defending his thesis. Photo Courtesy Sara Brownell/Logan Gin.
Q: Were there any clubs, organizations or opportunities that positively impacted your ASU experience?
A: I've had the opportunity to serve as an intern at the Teaching Innovation Center and that's been a really wonderful experience to see how we can get this kind of research into practice and how we can actually impact the students who are in our courses with evidence-based research that we're doing and our research team. It's really been a great opportunity to work with practitioners and instructors who are looking to make their courses more inclusive and think about inclusive course design.
Q: What's the best piece of advice you'd give to those still in school?
A: Do your best to network and get to know other people, both peers and colleagues, but most importantly professors or instructors. Find those folks who can serve as resources for you, can be advocates for you, can be mentors for you. I would encourage students to get to know folks like that who are here to serve you and be allies for you as you navigate uncertain situations. I've had the privilege of having phenomenal mentors and advocates who have helped me respond to a number of different challenges and situations that I've had both as an undergraduate and a graduate. Now I consider them lifelong mentors and coaches as I navigate next steps in my journey and my career.
I would also say, take advantage of what a research intensive public university like ASU has to offer. Just the amount of resources that the university has is incredible. I often reflect on my own undergraduate experience and attending a large public research university and not realizing until maybe my third and or fourth year of college the amount of incredible research that's going on. … If you're able to, I would certainly recommend fully immersing yourself in the university community because it is such a special place that can truly change your perspective or your trajectory.
Q: What are your plans after graduation?
A: I would really love to interface with faculty in terms of thinking about inclusive course design for science courses and then with students in terms of thinking about how we can better accommodate their experiences and in these spaces. I think my ideal role would merge what we know from the disability studies side of things and the evidence-based teaching side of things to really promote a positive and equitable experience for individuals with disabilities. I'm most broadly interested in finding ways in which we can create more diverse and inclusive science learning spaces for students. So things like active learning courses, online courses, lab courses, undergraduate research experiences. As our educational learning environments change, I want to be a proponent and advocate for diversity and inclusion in these spaces.
Video of Fall 2021 Outstanding Graduate: Logan E. Gin
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Backup contacts, photos, videos and sms messages from HTC Wildfire S Ae Download our PhoneCopy for Android application to your mobile device. HTC Wildfire S support. Transfer your in the search box. You'll also need to download the right software for your phone too (like PC Studio/PC Sync/Kies).
5 Feb Support Wildfire S Backup & Restore - Help. Backup & Restore) but when I have downloaded the app again they seem to have been lost!.


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Герасим Ионин (ум. после 1816) — священнослужитель Русской православной церкви, архимандрит, настоятель Соловецкого монастыря.

Согласно РБСП, был назначен Соловецким архимандритом в 1793 году из наместников Александро-Невского монастыря. По другим данным, по указу Святейшего синода был в этом году посвящён митрополитом Гавриилом (Петровым) в настоятели Соловецкого монастыря из Клопского Свято-Троицкого монастыря Новгородской епархии.

Он показал себя ревнителем «полезнейшего и спасительного устава общежития» и исходатайствовал у Синода указ об отмене раздела между монахами остатков от годовых доходов и о возобновлении общежития «на основании преданий святых отец и преподобного игумена Зосимы Чудотворца».

В 1796 году Герасим по болезни был уволен на покой с пенсией в 150 pублей сначала в Коренную, а затем в Софрониеву пустынь Курской епархии. В Софрониевой пустыни он прожил более 20 лет и умер в глубокой старости.

Примечания

Литература
 Архимандрит Досифей. «Географическое, историческое и статистическое описание Ставропиг. Первоклассного Соловецкого монастыря», часть I, 189—191.

Архимандриты Русской православной церкви
Настоятели Соловецкого монастыря
Умершие в XIX веке
Персоналии:Клопский Свято-Троицкий монастырь
Персоналии:Александро-Невская лавра
Персоналии:Коренная пустынь


The New Jersey teen who made headlines when she sued her parents for child support after moving out of their home was back in court Wednesday, this time to obtain a temporary restraining order against her boyfriend, The Star-Ledger reported.
Rachael Canning, the honor student who sued her parents earlier this year for $650 a week, the remainder of her Catholic school tuition and attorney fees, obtained the order against her beau, Lucas Kitzmiller, 18. He was the teen her parents reportedly asked her to stop seeing at the time of the initial suit.
Canning's father said Kitzmiller choked her early Sunday morning during a heated argument, The Daily Record reported.
Kitzmiller also obtained a temporary restraining order against Canning, The Star-Ledger reported, citing a court listing.
The two appeared Wednesday in Morristown family court, but the hearing was delayed until August because one other the attorneys was in Cleveland, the report said.
The judge asked the two "not to publicize the case," the report said.
"This is a private matter," Sean Canning, the girl's father, told The Star-Ledger. "We're confident the court will handle it appropriately. We want to let everything die down and go back to our private lives."
Canning gained notoriety after she claimed her parents threw her out when she turned 18. But they claimed she voluntarily left their Lincoln Park home in October because she didn't want to abide by their household rules.
She dropped her suit in March and has since returned home.
Canning announced on Facebook that she plans to attend Western New England University as a biomedical engineering major and has won a $56,000 scholarship.


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AI Wins TECOM Comprehensive Simulation Integration Contract
by Mike Berigan | Apr 24, 2017 | News | 0 comments
On April 21, 2017, Alexandria Insights (AI) was awarded a 5-year, $4.2M contract to provide support to the Marine Corps Training and Education Command (TECOM)'s Comprehensive Simulation Integration effort. AI, assisted by its subcontractor Booz Allen Hamilton, will provide planning and execution support to Training Management Teams to identify, modify, or create training standards that can be achieved via existing simulators/simulations or new technologies; analyze effectiveness of simulators/simulation utilization in support of the Operating Forces; and assist in the development and revision of Marine Corps policy to reflect the integration of simulators/simulations into training.
"This is a tremendous win for AI, and an opportunity to have a significant, lasting impact on the way the Marine Corps conducts training," said Mike Berigan, AI's President. "We look forward to helping TECOM and the Operating Forces better leverage the continually-expanding universe of immersive training and simulation technologies to enhance the quality, flexibility, cost-effectiveness, and standardization of training across the Marine Corps."
Alexandria Insights, Inc. is a Service-Disabled Veteran-Owned Small Business (SDVOSB), dedicated to helping U.S. Government customers effectively and efficiently use technology to solve problems of national significance. For more information, contact info@axinsights.com.
Alexandria Insights 2013


General concept – Generalized measurement system-Units and standardsmeasuring instruments- sensitivity, readability, range of accuracy, precisionstatic and dynamic response-repeatability-systematic and random errorscorrection, calibration, interchangeability.
straightness, flatness and roundness measurements.
applications – digital devices- computer aided inspection.


violence more, making a significant increase in aggression to be more profound in females. With a movie, even if one was to watch it several times, some additional details may be obtained but it is fundamentally about the same language and social identity essay thing. People enjoy action-packed violent games most. These pendulum shifts between various emotions will never go away, as I am starting to learn. 7 1856 October 13: United States mercenary William Walker seizes power in Nicaragua. Our conversation drifts in and out but the tunes stay constant until we lay our heads down. Maybe the most genuine aspects of any tale are the sputterings and the silences, the acknowledgments of failure, the glimmerings in the dark. El Gigante casts an impressive shadow as the afternoon light fades into dusk. I immediately flip Melissa around and speed out of town. Justins lanky frame even gave my awkward stature a run for my money.
Its you and me up here, Hayden, getting closer to God! I could grind hard for three months and make enough cash to fund my climbing fix for the rest of the year. In the New York Times Article, Adam Liptak wrote that the justices struggled to define the manner in which the First Amendment ought to apply to video games. One time, when I couldnt find a solid roofing anchor, I filled my Grade VI haul-bag with bottles of water to create a counterweight on the opposite side of the house while I traversed a 40-degree slope of glaciated shingles. Tacos at.m? And, of course, as gringos, we thought it would be a great idea to stop for some tacos and cervezas. Kyle and Justin are gone, Kalous is a full-time father and I am still trying to find my path with purpose and balance.


This spot proves there is no greater pleasure than a Young's Old Nick Beer. And getting into the One Show feels pretty good also.
Just a few of the cool commercials I created for Lexus.
The print advertising for the Lexus brand was once the envy of the automotive world.
Here are just a few of my fave ads ads from campaigns.


The world has changed. Terrorism, natural disaster, and global financial chaos. The last decade has been a wake-up call to anyone that runs a business. To be successful, or even to survive, expect the unexpected.
How can a business increase its chances of survival and reduce exposure to one catastrophic business occurrence?
1. Don't get too dependent on one customer. When a business has a very large, profitable customer, it's easy for that one customer to become virtually the entire business. Many companies, even large ones can become totally dependant on being a supplier to a local customer – such as an automobile manufacturing plant. What happens when that big business gets bought out or moves away? This also applies to self-employed consultants or contractors who become used to doing a huge majority of their work for just one big business.
Be aware of the exposure that one customer creates. But while earning a good income from that one customer, there are two choices: grow a business and diversify the customer base or start putting away substantial sums of money in case that customer disappears.
2. Don't get too dependent on one supplier. Having a single supplier has many advantages. It makes for a close business relationship, easy record management, simplified bill processing and often preferential treatment. There is also a down side. If a business depends on one supplier – whether for a product that is re-sold or raw materials that are needed to manufacture another product, business risk is significant. Any change to a suppliers wellbeing spells disaster. If the supplier fails, a small business that relies on it may not be able to receive necessary materials to continue selling themselves.
3. Don't depend on one revenue stream. If more that 70% of business revenue comes from one product or service, it may be time to start developing additional products or services. It is a good idea to ensure that any new products or services are complementary. That means not having to recreate a totally new business. For instance, a business that makes organic dog food may want to start making organic cat food or other dog-related products. When a business is dependent on one product or service it becomes vulnerable to competition.
4. Don't depend on a single distribution channel. Its easy to fall into the position where a business has a single distributor, or even one method of selling. After all, if it works there is no compelling reason to change. The problem with this approach is that what works today, may not work tomorrow and it is not easy to start a whole new distribution or sales channel overnight – especially for a small business. Consider the impact of a distributor being bought over by a competitor. Or even a change to the law that prevents cold calling by a business that relies solely on that method of sales.
Careful diversification is a strategy for business survival. Certainly, you need to build one business at a time and stay focused. When you "don't put all your eggs in one basket," you're better able to survive the unexpected, even the truly tragic, events your business may face.