text:
The Harvest Field Includes the Youngest
Kids Worship, Leadership
by David Wakerley
The most effective missionaries learn the language, the culture and build bridges. They don't come in and impose their own values and ideas upon an unsuspecting people.
David Wakerley
Last year I visited India with my 10-year-old son. We went to see my parents who run an orphanage in the Northwest of the country — but we started in Mumbai.
Talk about a culture shock. India is an incredibly different place to my home in Sydney, Australia. The people, the noise, the smell… "Holy Cow!" I said as we almost ran over one relaxing in the middle of the road. I was in a different world, with different rules and expectations. A different language and people. I was an immigrant in a new culture.
The most effective missionaries learn the language, the culture and build bridges. They don't come in and impose their own values and ideas upon an unsuspecting people. That's how I want you to see yourself as you take a quick dive into the world of kids — an immigrant, a missionary into an unknown culture.
A lot of art is created for an audience of peers. Bands will often explain during interviews that their goal was to record music they wanted to listen to themselves, and for obvious reasons. It's a market they know really well. But there is huge opportunity and unexpected blessing in reaching out to create to another demographic, to a different group. Our Hillsong worship team recently released the songs 'A Beautiful Name' and 'Oceans' in Arabic and the response was surprising and such a blessing.
But this opportunity wasn't blindly taken and there was thought and care taken to avoid the pitfalls of crossing cultural divides. But I truly believe that your Church, your ministry could see the most astounding and surprising testimonies come flooding in if you take steps to help the kids and families worship their King Jesus.
By investing in resources for children, the Church is declaring to the world they will be a voice for this generation. "Speak up for those who cannot speak for themselves; ensure justice for those being crushed." (Proverbs 31:8-9 NLT).
Population experts suggest that the world has probably experienced 'peak child'. That is, we have the largest global youth population in history, and this group will remain for several decades before beginning to shrink later this century. That's right, the amount of children in the world today is the most there may ever be!
By my rough calculations next year about 2,000 worship albums will be created by churches and bands around the world, and maybe 100 for kids. But out there in the world reaching children is one of the most competitive and profitable market demographics. Disney seems to be doing quite well and the Wiggles (preschool entertainers) have been Australia's highest paid entertainers many times in years past.
It's a new day and there is a world hungry for a different kind of story for their children to hear. Don't think that a simple message of hope and value won't have an impact. It's always artists who lead… always. As a missionary into the lives of children, you are not here to 'bring Jesus' to your group of kids. You are here to seek out and discover exactly what God is already doing in their lives and join WITH Him in ministry.
Songwriting for kids is not a huge leap of faith for those engaged in songwriting, but as I said earlier, approach it humbly as a missionary in a brand new world. We approached our forthcoming Hillsong Kids album from the perspective of a "what we believe" statement. What are the foundational truths we would love each child to have about their faith?
So each song hits on themes and topics like Salvation, The Bible, Heaven and even the Trinity. It's not rocket science but it's an approach that helps you avoid songs covering similar material. Creation, for example, is well covered in the world of kids worship, I've done it. Psalty did it, I think even Barney the Dinosaur did it.
I'm personally looking for phrases in songs that declare truth in a somewhat 'childlike' way. It's hard to pin down exactly what that means but includes lyrics like these:
Wonder and Worship
"Your eyes search the world over kings and queens, looking for a child just like me" (Your Eyes – Superhero album)
"My God watches over me… I feel like royalty" (Royalty – Super Strong God album)
"I give you my Hallelujah, Hallelujah for all my days" (I Give You My Hallelujah – Can You Believe It!? album)
"No bigger life than growing up in Your house, Where we discover who we can become" (We Came to Meet with You – Can You Believe It!? album)
It's a turn of phrase you wouldn't necessarily find in a 'grown-up' song, but it's also not simplistic and condescending.
A very easy pitfall to end up in are topics focusing on the kids behavior, their virtues or their actions. (e.g., I'm gonna DO this or that FOR you God). It subtly tells our children that the Christian life is about what we do for God. It tells them that the things we could accomplish for Him are the most important.
When this is repeated over and over it can be exhausting for a kid, who, in almost every area of their life is ranked. We want Church to be an oasis in a life that is spent getting graded and lined up according to ability and worth.
Not everyone is called to be a missionary, and not all creatives are called to reach children, but we are all called to the harvest field which includes the youngest… and right now in history, that's most of us.
Amanda Fergusson – Songs of Heaven https://hillsongstore.com.au/songs-of-heaven-second-edition-amanda-fergusson/
Darlene Zschech – Extravagant Worship https://darlenezschech.com/product/extravagant-worship-book/
children harvest field young
David Wakerley March 4, 2018
Leading Children into the Presence of a Living God
Sharing God's Word with Young Hearts In Worship
NEW ISSUE: WORSHIP & CHILDREN


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Effective Date: April, 2019
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Insight into Kenya's Future
Gladwell Otieno - Executive Director of the African Center for Open Governance (AFRICOG)
"We call ourselves Kenyans for truth and justice. We should know that truth has a value. I take comfort in knowing that the truth has a habit of coming out."
"It is not just about who won and who lost, it is about us a country. The Supreme Court Judgement on the petition which will continue to interest people and there will be many analyses of it and we educate the public through such discourse."
Dr Bitange Ndemo - Permanent Secretary in the Ministry of Information and Communications.
"[Internet] access enables us to become more innovative. Broadband allows people to build things you never thought of. Four or five years ago you could not put the words 'Kenya', 'innovation' and 'research' in the same sentence. Now it is starting to happen."
Wolfgang Fengler - The World Bank's lead economist for the East African region
"Africa is on a growth path, but Kenya, particularly, has two advantages, (These advantages are) great people and a great location."
Johannes Zutt - The World Bank's Country Director for Eritrea, Kenya, Rwanda and Somalia.
"Kenya is heading into an election year with a transformative new constitution but historically, the economy slows down during election periods,"
"A peaceful political transition and export-led growth will provide a window of opportunity for the economy to achieve higher growth and create more jobs for the large number of people entering the workforce."
Gabriel Demombynes - Senior Economist in the Nairobi office of the World Bank
"Economic instability, weaknesses in infrastructure and pervasive corruption limit business growth and job creation,"
"A job creation strategy is needed to move more Kenyans into better wage jobs, and policy makers, especially at local levels, should embrace informal household enterprises as legitimate parts of the Kenyan economy to enable them contribute to increasing productivity."
Wangari Maathai - was a Kenyan environmental and political activist and the winner of the 2004 Nobel Peace Prize.
"When resources are degraded, we start competing for them, whether it is at the local level in Kenya, where we had tribal clashes over land and water, or at the global level, where we are fighting over water, oil, and minerals. So one way to promote peace is to promote sustainable management and equitable distribution of resources."
John Randa - The World Bank economist for Kenya
"The current account deficit could undermine Kenya's long term stability and growth prospects, Kenya will need to undertake structural reforms to correct external imbalances and also build a stronger foundation for growth."
"The conduct of the national elections in 2013 will determine international perceptions of Kenya for the years to come and greatly influence Kenya's medium-term economic prospects."
Jomo Kenyatta - first president of Kenya, as quoted in David Lamb's The Africans, New York, 1985.
"Where there has been racial hatred, it must be ended. Where there has been tribal animosity, it will be finished. Let us not dwell upon the bitterness of the past. I would rather look to the future, to the good new Kenya, not to the bad old days. If we can create this sense of national direction and identity, we shall have gone a long way to solving our economic problems."


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FreeSWITCH was originally designed and implemented by Anthony Minessale II with the help of Brian West and Michael Jerris. All 3 are former developers of the popular Asterisk open source PBX. The project was initiated to focus on several design goals including modularity, cross-platform support, scalability and stability. Today, many more developers and users contribute to the project on a daily basis. We support various communication technologies such as Skype, SIP, H.323 and WebRTC making it easy to interface with other open source PBX systems such as sipXecs, Call Weaver, Bayonne, YATE or Asterisk.
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text:
Police: 2 more possible suspects at Navy Yard
CT working to educate communities of color about COVID vaccine
News // Nation
BRETT ZONGKER ERIC TUCKERAssociated Press
Sep. 16, 2013 Updated: June 15, 2016 10:30 p.m.
A U.S. Park Police helicopter circles the Washington Navy Yard Monday, Sept. 16, 2013, after a gunman was reported at the Navy Yard. Earlier in the day, the U.S. Navy said it was searching for an active shooter at the Naval Sea Systems Command headquarters, where about 3,000 people work. The exact number of people killed and the conditions of those wounded was not immediately known. (AP Photo/Jacquelyn Martin)
Police work the scene on M Street, SE in Washington near the Washington Navy Yard on Monday, Sept. 16, 2013. The U.S. Navy says one person is injured after a shooting at a Navy building in Washington. Police and emergency crews gathered Monday morning outside the Naval Sea Systems Command Headquarters building, where the shooting was reported. (AP Photo/Jacquelyn Martin)
A U.S. Park Police helicopter removes a man in a basket from the Washington Navy Yard Monday, Sept. 16, 2013. Earlier in the day, the U.S. Navy said it was searching for an active shooter at the Naval Sea Systems Command headquarters, where about 3,000 people work. The exact number of people killed and the conditions of those wounded was not immediately known. (AP Photo/Jacquelyn Martin)
Police work the scene on M Street S.E. in Washington, where a gunman was reported in a military building at the Washington Navy Yard Monday, Sept. 16, 2013. Shots have been fired and employees directed to a shelter. Police and federal agents from multiple law enforcement agencies responded to the scene and streets in the area were closed. (AP Photo/Jacquelyn Martin)
Police work the scene on M Street, SE in Washington, where a gunman was reported at the Washington Navy Yard in Washington, on Monday, Sept. 16, 2013. The U.S. Navy says one person is injured after a shooting at a Navy building in Washington. (AP Photo/Jacquelyn Martin)
WASHINGTON (AP) -- At least one gunman opened fire inside a building at the Washington Navy Yard on Monday morning, and officials said six people were killed and at least four were wounded, including a law enforcement officer.
Police were looking for two other potential gunmen wearing military-style uniforms, including one who had on a beret, chief Cathy Lanier said. One had a long gun and the other was also armed, she said. One of the three gunmen had died, though Lanier didn't say how.
Witnesses described a gunman opening fire from the fourth floor, aiming down on people in the first-floor cafeteria. Others said a gunman fired at them in a third-floor hallway. It wasn't clear whether the witnesses on different floors were describing the same gunman.
As witnesses emerged from the building, a helicopter hovered over it, schools were on lockdown and airplanes at nearby Reagan National Airport were briefly grounded so they wouldn't interfere with law enforcement helicopters. Less than 2 miles away, security was beefed up at the Capitol, but officials said there was no known threat there. President Barack Obama was getting frequent briefings on the shooting.
Two Navy officials confirmed at least six people had died. The officials spoke on condition of anonymity because they were not authorized to discuss the situation publicly.
About 3,000 people work at the Naval Sea Systems Command headquarters, which builds, buys and maintains the Navy's ships and submarines and combat systems.
Todd Brundidge, an executive assistant with Navy Sea Systems Command, said he and other co-workers encountered a gunman in a long hallway of their building on the third floor. The gunman was wearing all blue, he said.
"He just turned and started firing," Brundidge said.
Terrie Durham, an executive assistant with the same agency, said she also saw the gunman firing toward her and Brundidge.
"He aimed high and missed," she said. "He said nothing. As soon as I realized he was shooting, we just said, 'Get out of the building.'"
Rick Mason, a program management analyst who is a civilian with the U.S. Navy, said a gunman was shooting from a fourth floor overlook in the hallway outside his office. He said the gunman was aiming down at people in the building's cafeteria. Mason said he could hear the shots but could not see a gunman.
Shortly after the gunfire, Mason said someone on an overhead speaker told workers to seek shelter and later to head for the gates at the complex.
Patricia Ward, a logistics management specialist, said she was in the cafeteria.
"It was three gunshots straight in a row -- pop, pop, pop. Three seconds later, it was pop, pop, pop, pop, pop, so it was like about a total of seven gunshots, and we just started running," Ward told reporters several blocks away from the Navy Yard.
Ward said security officers started directing people out of the building with guns drawn.
Police and federal agents from multiple law enforcement agencies responded. Ambulances were parked outside, streets in the area were closed and departures from Reagan National Airport were temporarily halted for security reasons.
Janis Orlowski, chief operating officer of Washington Hospital Center, told reporters the hospital was treating three gunshot victims in critical condition. One was Washington, D.C., metropolitan police officer and two were civilian women.
A U.S. Park Police helicopter hovered over the building and appeared to drop a basket with a person onto the roof.
District of Columbia schools officials said 12 public and charter schools and one administrative building in the vicinity of the Navy Yard were placed on lockdown. The action was taken out an abundance of caution, schools spokeswoman Melissa Salmanowitz said.
Naval Sea Systems Command is the largest of the Navy's five system commands and accounts for a quarter of the Navy's entire budget. Only security personnel were allowed to be armed on the campus.
The Navy Yard has three gates, according to its website. One is open 24 hours a day, seven days a week, and must be used by any visitors. A second gate is only for military and civilian Defense Department employees and the other is for bus traffic.
The Navy Yard is part of a fast-growing neighborhood on the banks of the Anacostia River in southeast Washington, just blocks from Nationals Park.
Associated Press writers Lolita C. Baldor, Stacy A. Anderson and Ben Nuckols in Washington contributed to this report.
BRETT ZONGKER ERIC TUCKER


It is not just the best nature and hospitality of the Nepalese that continually attracts people from all over the place to avail Nepal trip packages. Obviously, travelers select to go to this Asian nation because of its clear beauty. The Nepal is house to superb sceneries that showcase its impressive heritage and culture, as well as its pristine atmosphere.
Never miss the chance to see the mountain peaks covered with white at the Annapurna Range. It is a wonderful sight to see as it will make you surprise just how more charming can the globe get.
To those who don't know, Nepal is exactly where Mount Everest, the tallest mountain in the globe is. While the top areas for expert hikers, trekkers can visit the foot of the mountain in the Khumbu area.
An ancient temple placed on a hilltop at the Bhaktapur region, the Changu Narayan is surrounded by the forest of champak trees and Changu village. It is dedicated to the Vishnu (Hindu God) and is considered the oldest temple in the Nepal. Every year, it is visited by tourists and pilgrims who want to pay homage to the god or just marvel on the remarkable Nepalese art that it is, respectively.
As the primary national park in the country, Chitwan National Park was established in 1973. In 1984, the National Park was declared a globe heritage place by UNESCO.
A royal template which can see on the banks of Bagmati River on the eastern part of the capital city, the Pashupatinath Temple is perhaps the most vital Hindu Temple in Country, and one of the most important in the globe. It is dedicated to Hindu God Lord Shiva and is considered a UNESCO globe heritage place.
One of the most amazing places of Nepal is Kathmandu Durbar Square. It is generally seen in images whenever the Nepal is mentioned. Hailed as a UNESCO Globe Heritage Place, this attraction was exactly a plaza of the old palace of the Kathmandu Kingdom. Guests visit it for the amazing structures flaunting the good looks of Nepalese architecture.
Another beautiful attraction in Nepal is the Golden Gate. Strikingly magnificent and remarkable, it specs royal reliefs and carvings of Kali and Garuda. It is a place to behold and no visitor should ever let pass the chance of seeing it.
Another best place that may be explored by making holiday tour deals is Kopan Monastery. Entering from its central gate, guests walk up a flight of stairs to reach the central gate. A state of Tara Goddess is seen on the right side of the stairway. Idols of Je Tsongkhapa, his 2 disciples, Maitreya and Manjushri and paintings of Hindu scholars are in the shrine hall. In the middle of the hall is stupa, dedicated to the originator of the monastery. Near the temple is a big prayer wheel, containing mantras and images, dedicated to Avalokitesvara.


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      Satov Consultants Inc.

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Satov Consultants Inc.

http://www.satovconsultants.com

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                   200-250 The Esplanade

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                    Ontario

                  M5A 1J2

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Company Profile

            Satov helps companies focus their business, better target their customers, operate more efficiently and ultimately make more money

We believe we are uniquely positioned to support your strategic planning needs. Satov's differentiation lies in our ability to bring together a client's corporate strategy, customer strategy and operations strategy, which is critical for midmarket firms and not-for-profit organizations which need to purchase integrated and affordable strategy advice. We have deep implementation capabilities from both a program and people management perspective to ensure the strategy is successfully implemented.

The Benefits of Our Approach

We believe elements of our approach and how we work with clients are particularly applicable to your situation. Our approach:

•	Is high engagement and collaboration

•	Structures and supports interaction among the executive team and other stakeholders

•	Based in rigorous research and analytics

•	Enables creativity and out of the box thinking

•	Helps make individual implicit models become explicit

•	Encourages constructive debate and dissent

•	Drives towards decisions the Board/ senior team understands, owns, and implements

•	Builds implementation success into the process

Corporate strategy

Satov uses a structured analytical approach and a breadth of experience across industries to help clients make the right decisions about which businesses to be in and how to organize them.

Customer strategy

Using a set of proprietary tools, Satov develops a deep understanding of the marketplace, answering the following critical questions: How should the market be segmented? Who are the most valuable customers? What do they want? What makes the product different? What is the most relevant messaging?

Operations

Satov helps reduce costs and working capital, tackling issues in manufacturing, sourcing and logistics, to customer service and process design.

Strategy implementation

At Satov, we have a talent for seeing how all of the pieces fit. Our greatest value comes from developing a comprehensive strategy, and then helping clients implement the plan.

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                Tony
                Copperthwaite

                  Title:

                Controller

                    Area of Responsibility:

                    Finance/Accounting.

                  Telephone:

                (416) 777-9000

                  Ext:

                225

                    Email:

                  tony.copperthwaite@satovconsultants.com

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				Company description

            Country of Ownership:

              Canada

            Exporting:

              Yes

                Primary Industry (NAICS):

				541990 - All Other Professional, Scientific and Technical Services

            Alternate Industries (NAICS):

            541910 - Marketing Research and Public Opinion Polling

            Primary Business Activity:

            Services

				Product / Service / Licensing

                              Service Name:

                            Consulting - Strategy, Operations and Implementation

                            Satov helps companies focus their business, better target their customers, operate more efficiently and ultimately make more money

We believe we are uniquely positioned to support your strategic planning needs. Satov's differentiation lies in our ability to bring together a client's corporate strategy, customer strategy and operations strategy, which is critical for midmarket firms and not-for-profit organizations which need to purchase integrated and affordable strategy advice. We have deep implementation capabilities from both a program and people management perspective to ensure the strategy is successfully implemented.

The Benefits of Our Approach

We believe elements of our approach and how we work with clients are particularly applicable to your situation. Our approach:

•	Is high engagement and collaboration

•	Structures and supports interaction among the executive team and other stakeholders

•	Based in rigorous research and analytics

•	Enables creativity and out of the box thinking

•	Helps make individual implicit models become explicit

•	Encourages constructive debate and dissent

•	Drives towards decisions the Board/ senior team understands, owns, and implements

•	Builds implementation success into the process

Corporate strategy

Satov uses a structured analytical approach and a breadth of experience across industries to help clients make the right decisions about which businesses to be in and how to organize them.

Customer strategy

Using a set of proprietary tools, Satov develops a deep understanding of the marketplace, answering the following critical questions: How should the market be segmented? Who are the most valuable customers? What do they want? What makes the product different? What is the most relevant messaging?

Operations

Satov helps reduce costs and working capital, tackling issues in manufacturing, sourcing and logistics, to customer service and process design.

Strategy implementation

At Satov, we have a talent for seeing how all of the pieces fit. Our greatest value comes from developing a comprehensive strategy, and then helping clients implement the plan.

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				Contacts

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                Tony
                Copperthwaite

                  Title:

                Controller

                    Area of Responsibility:

                    Finance/Accounting.

                  Telephone:

                (416) 777-9000

                  Ext:

                225

                    Email:

                  tony.copperthwaite@satovconsultants.com

				Description

				Company description

            Country of Ownership:

              Canada

            Exporting:

              Yes

                Primary Industry (NAICS):

				541990 - All Other Professional, Scientific and Technical Services

            Alternate Industries (NAICS):

            541910 - Marketing Research and Public Opinion Polling

            Primary Business Activity:

            Services

				Products, services and licensing

				Product / Service / Licensing

                              Service Name:

                            Consulting - Strategy, Operations and Implementation

                            Satov helps companies focus their business, better target their customers, operate more efficiently and ultimately make more money

We believe we are uniquely positioned to support your strategic planning needs. Satov's differentiation lies in our ability to bring together a client's corporate strategy, customer strategy and operations strategy, which is critical for midmarket firms and not-for-profit organizations which need to purchase integrated and affordable strategy advice. We have deep implementation capabilities from both a program and people management perspective to ensure the strategy is successfully implemented.

The Benefits of Our Approach

We believe elements of our approach and how we work with clients are particularly applicable to your situation. Our approach:

•	Is high engagement and collaboration

•	Structures and supports interaction among the executive team and other stakeholders

•	Based in rigorous research and analytics

•	Enables creativity and out of the box thinking

•	Helps make individual implicit models become explicit

•	Encourages constructive debate and dissent

•	Drives towards decisions the Board/ senior team understands, owns, and implements

•	Builds implementation success into the process

Corporate strategy

Satov uses a structured analytical approach and a breadth of experience across industries to help clients make the right decisions about which businesses to be in and how to organize them.

Customer strategy

Using a set of proprietary tools, Satov develops a deep understanding of the marketplace, answering the following critical questions: How should the market be segmented? Who are the most valuable customers? What do they want? What makes the product different? What is the most relevant messaging?

Operations

Satov helps reduce costs and working capital, tackling issues in manufacturing, sourcing and logistics, to customer service and process design.

Strategy implementation

At Satov, we have a talent for seeing how all of the pieces fit. Our greatest value comes from developing a comprehensive strategy, and then helping clients implement the plan.

    Last Update Date 2016-01-08

Date Modified:

      <time>2017-03-02</time>

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In this advance age, the importance of online security is a much needed aspect. Whether correct or wrong, everything that we do online needs to be safeguarded, everything needs to be covered up. We need to understand what exactly is online privacy?
Privacy is in a broader term protection. Just like shutting down the room blinds for protection, online protection is like chatting with someone far from the eyes of public scrutiny. With all considered and done, online protection falls in place, with a little carefulness and most of us do not consider the importance of advance protection.
There are many aspects to protection. There is your identity – which is yours that is stored inside your computer by an identifiable data – your name, date of birth, social security number, back account details, passport details and many others. All of these are vulnerable to thefts or hacks. It is thereby, very important to protect them.
For whatsoever reasons, you download an application, visit any site of even make any online payments, odds are always there that these websites are recording these data, which is quite vulnerable for your online security and wellbeing.
We as individuals have a whole lot of things to give away online. These may be how much you earn, your day to day activity log, whom you talk to, the kind of people you meet and interact with and much more. Perhaps the truth is, you would never want the whole world to know about them. This is a valid reason why you would always ensure to entitle yourself for online security.
Norton Security Online ensures that all of these remains behind the blind and your privacy is never in danger of being exposed.
Norton is committed to keep you safe and protected from online threats and privacy breach. It helps protect your computer from any kind of online threats.
- Helps secure multiple computers and other computer gadgets like tablets and smart phones with one subscription.
- Ensure the safeguard of your private data and financial information.
- Protects your devices with an easy and user friendly web portal.
- Helps secure, manages, remembers and automatically input username and passwords as and when required.
- Alerts you of any malicious activity by any app or site before you get into them.
- An easy to install and easy to use software.
Norton Online Security is one of the latest security software developed by Symantech. The software is power packed with features to protect your valuable computer and thereby, your identity from any kind of online threats.
However, you should know that Norton Security Online UK is not just an online protection program, but has several other valuable features of protecting your computer from threats that doesn't occur online, like external media drives (flash drives and hard drives that transmit malwares like Trojans, spywares and viruses).
It is one of those security software that also provides protection on social media sites like Facebook and Twitter. It scans all the sites that you visit online, scans and protect your device from possible threats from viruses and phishing attacks.


Earlier this week the FDIC and Federal Reserve System jointly sponsored a symposium on Mortgages and the Future of Housing Finance. One look at the agenda, and I knew I had to be there: two full days of panels devoted to what welcoming speaker Federal Reserve Chairman Ben Bernanke described as "policy-oriented research" from a host of PhD economists and a handful of lawyers. The announcement reminded me that in some circles - though not apparently in the policy community - the ever-evolving financial crisis has cast many occupations into disrepute, most especially that of "trained economist." A 1991 report, published in the Journal of Economic Literature, asserts that "graduate programs may be turning out a generation with too many idiot savants skilled in technique but innocent of real economic issues." Today, lament the dissenters, mathematical technique is pursued for its own sake in the journals and departments of economics. The narrowly specialized products of the prevailing educational philosophy have little grasp of psychology, institutional structures or historical precedents. Say the dissenting economists: "This insufficiency has been apparent among those economists giving advice to governments, banks, businesses and policy institutes. Non-quantified warnings about the potential instability of the global financial system should have been given much more attention." Those are my italics. Having stumbled over way too many academic and staff economist working papers while questing for facts and usable numbers, I've come to believe that most of these folks are muddling the discussion. By muddling, I mean hopelessly obscuring the authentic and practical issues. How can option-pricing and logit models pull us out of the foreclosure and servicing quicksand our homes, our household wealth, our futures are sinking into? How could a paper on "ex ante and ex post relations in the mortgage market" prevent the bulldozing of entire neighborhoods? Or discourage once responsible citizens from living rent-free in houses they intend to abandon when the foreclosure machine finally reaches their doors? How can a multivariate regression on lender modification actions assist a homeowner who, though always current on their mortgage, needs to stop the lender from selling the house in a foreclosure auction? The Rubber Meets the Road Happily Laurie Goodman, a long-time mortgage analyst and Senior Managing Director at Amherst Securities, moderated one of the panels at the FDIC/Fed symposium. Goodman managed to make transparent the conflict between mathematical technique and real-world substance. Goodman's panel addressed "Secondary Mortgage Markets," an urgent area of concern if U.S. housing finance is to be reconfigured and revitalized. A PhD-trained economist with demonstrated quantitative chops of her own, Goodman approached the panelists' papers much like a referee providing academic peer review. (The titles of the papers and names of the authors can be found in the agenda posted on the FDIC's site. The FDIC's Office of Public Affairs has assured me that slide presentations and papers presented at the symposium will be available on the website no later than November 5.) Two papers applied statistical modeling techniques to loan level data to achieve conclusions about adverse selection during the mortgage securitization bubble. The results will come as a surprise to actual market participants living in the trenches and bomb craters of this disaster. One paper determined that, during the period 2004-2008, banks sold loans with low risk of default to the GSEs and private issuers and kept loans with higher default risk in their portfolios. The result applied to both prime and subprime loans, though they found the difference in default risks between securitized and portfolio loans were less in subprime than prime. Speaking as a quant, Goodman made recommendations regarding this study's methodology. And speaking as a real-world analyst, she pointed out a problem most real world MBS credit analysts would have immediately caught - the universe of loans on which the results were modeled is incomplete. The problem affected non-GSE loans and was most pronounced in the peak years of originate-to-distribute lending. The underlying data was missing about 38% of the known securitized loans in 2006 private label deals and about 58% in 2007. The subprime representation was also exceedingly low, using information altogether on 22,901 loans sold or retained in years 2004 through 2007. I missed Goodman's count based on the CoreLogic LoanPerformance loan level securities data base, but the OCC/OTS Mortgage Metrics report, easily accessed publicly, indicates more than 2.6 million subprime loans were still surviving as of June 2010. Also, Goodman noted that the reported results were further skewed by lumping loans sold to Fannie and Freddie loans in with FHA/VA loans. On my nickel Frankly, I thought Goodman was being kind to this paper. I can't speak to the mathematical techniques, but reading it I encountered numerous errors in its description of the mortgage market features. I'll mention a few particular especially cringe-worthy.
"GSEs offer investors guarantees against default risk, while private issuers often pass the default risk on to parties that are willing to bear it." No, private issuers pass all default risk to the securities. Realized losses are passed up the capital structure from junior most security classes to senior most.
GSEs have historically purchased only traditional fixed-rate mortgages and only recently began to purchase alternative mortgages such as adjustable-rate mortgages. No, the GSE's have been securitizing ARMs since the early 1980s.
GSE issuance of mortgage-backed securities is subject to detailed SEC filings and public reporting requirements, while private issuers are not. No, the GSEs were exempt from SEC filing requirements, voluntarily registered after the accounting scandals of the early '00s. Private issuers are and always have been subject to SEC securities requirements.
The implicit government guarantee might give GSEs an incentive to be more aggressive in risk-taking than private issuers. Goodman's careful dissection of loan level characteristics of Fannie versus prime and subprime PLS gives the lie to this silly assertion.
Small lenders were observed to sell higher-default-risk loans and retain lower-risk loans in the last two years of the study. "We attribute this to the fact that small lenders have less to lose from risking their reputations in the secondary market ...." WHAT?
" ... the difference for subprime loans becomes insignificant in 2006 and 2007, the height of the real estate bubble." Depending on the index, home prices peaked in 2005 or 2006. The securitization bubble continued to proceed into the first half of 2007.
"The difference between subprime and prime loans is likely due to the fact that subprime loans are subject to more scrutiny by investors than prime loans." If only this had been true. We would not be having this discussion today.
Non-prime PLS perform worse. For instance, 47% of the 2006 vintage (the worst) are 90 or more days delinquent, compared to 13.9% prime PLS and 12.5% Fannie originated in the same year. The non-prime PLS are distinguished by a low percentage of fixed rate loans, relatively low FICOs, and high concentrations of loans with IO and negative amortization features.
In particular, risk layered loans were much more likely to packaged in non-prime PLS. With her carefully laid out tables projected on the screens, Goodman concluded, "It is very difficult to think that there was no adverse selection. While an institution may not have explicitly done adverse selection, the entities that specialized in risk layered loans that were channeled into non-Prime PLS ramped up substantially during the 2005-2007 period." Jumping forward to the post-apocalypse period (oops, my term), Goodman provided graphic illustrations of the fact that there is virtually no credit available outside of government and GSE channels. Moreover, the GSEs have tightened their credit standards to the point that FHA/VA loans are the main source of credit for home buyers. This state of affairs has dramatic policy consequences. The taxpayer is now the only source of credit. This situation is made all the more urgent by the fact that a huge number of homes are coming onto the market. "That," Goodman expostulated, "should be the topic of conversation." In other (my) words, the policy and law makers claiming to be resolving this crisis and revitalizing the housing finance system by resolving the GSEs and redefining the government's role had best start with things as they are, not as they are modeled. NOTE: Linda Lowell writes a regular column, called Kitchen Sink, for HousingWire magazine. Editor's note: Linda Lowell is a 20-year-plus veteran of MBS and ABS research at a handful of Wall Street firms. She is currently principal of OffStreet Research LLC.


text:
Arteta faces an uphill struggle to win players over
By Adam Nisbet
Taking over at Arsenal was always going to be a struggle for any manager, so with no experience, Mikel Arteta faces a steep challenge. The transition out of the Arsene Wenger era hasn't gone as smoothly as fans had hoped, with the appointment of Unai Emery only serving to put the club in a worse position than they were previously.
The first step in turning the sinking ship around is bringing the players on board, players that are currently creating a very volatile locker room atmosphere. Only a man who is well respected by the players will be able to make that turnaround and that's exactly where new manager Mikel Arteta will face his first challenge.
The key struggle for Arteta in his attempt to win the favour of the players is his lack of previous managerial experience. Since his retirement as a player he has worked as a part of Pep Guardiola's coaching staff, however the Arsenal role is the first time he has sat in the top seat. Inheriting a group of players that clearly had little respect or love for their previous manager and made little to no attempt to improve their play under an interim manager only goes to deepen the troubles.
Arteta has recently admitted that he's attempting to 'convince' Arsenal players on his preferred style of play, as he attempts to inject a little more tempo and aggression into his side.
"First I think I need the players and if I convince the players after we can convince the fans, but, yes, I think it [a strong connection with the fans] is a very important part of the job. I think energy is everything in life, in football and sport, if we are able to generate this it will give us a lift.
I was really pleased with how the fans treated the players and I was happy that the players went to see the fans after the game as well because we need that connection. Slowly, we need to build that back to what it was because it is going to be very powerful for us to use that."
Arteta needs to stamp his authority
The upshot for Arteta is he has a few players in the dressing room that were part of the squad while he was still a player, while he was a leader for Arsenal. That message could begin to trickle down from the top and so long as Arteta impresses the players with his coaching style and demeanour in his first few weeks in charge, things could begin to look a little more positive.
If Arsenal can begin to see some positive results, string together a couple of wins in a row, things could start to look different for the North London side. As the wins come the players will once again begin to grow in confidence however they'll also develop a confidence in their coach and in the system they're playing in. That will be a big turning point for the club.
However, on the flip side, it could also be disastrous for the club if things don't play out in the way that the board are hoping. Arteta has the potential to be a saviour for Arsenal if he can begin to turn things around, it won't be a quick or easy process but with him in charge it is possible. The issue is, if he fails to get the players on board quickly, he may never get the chance to implement his style and could be gone by the end of the season.
The Arsenal job used to be one of the most coveted in the country, yet now it seems to be one of the most toxic.
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Adam Nisbet
Living on the emotional rollercoaster that comes with being a Newcastle United fan, Adam also keeps a keen eye on the NBA, UFC and Formula One.


text:
Cumnor Place
Cumnor, Berkshire
Cumnor Place was the wealthiest and grandest of the granges of Abingdon Abbey. It was always a favourite with the abbots who would retire there in times when plague or other disease was rife in Abingdon. After surrendering his abbey at the Dissolution in 1538, it is not surprising, therefore, that, when offered a life interest in one of the Abbey's manors, Abbot Thomas Rowland chose to live here. Six years after his death (1547), the building was granted George Owen, the King's Physician. His son leased Cumnor to Sir Anthony Forster, the friend and chief controller of Lord Dudley (later Earl of Leicester)'s private expenses. Dudley's wife, Amy Robsart, stayed with Sir Anthony, in 1560, when her husband was away at court, cosying up to Queen Elizabeth I. One day, the family went off to Abingdon Fair and returned to find poor Amy dead at the foot of the stairs! There were many whispers of murder.
Not long afterward, Cumnor came into the hands of the great Norreys family of Rycote (Oxfordshire). It was a secondary home and little favoured, apparently because of its oppressive atmosphere. The place was a magnificent 14th century stone structure, though considerably altered by Sir Anthony in 1571. It stood just south-west of the present churchyard forming a complex of buildings enclosed within a large quadrangular courtyard. The 44ft long medieval great hall (see illustration) was on the west side. Other attached buildings included a vaulted Tudor gatehouse with long gallery and a small chapel (22ft long). By the time the Lysons brothers visited, in 1806, it was being used as a granary. The Earl of Abingdon had the buildings demolished four years later.
Cumnor Place no longer stands, although parts of the old building have been incorporated into Wytham Church. A nearby 18th century house has also taken on the name.


text:
Q: Euler angles to rotation matrix. Rotation direction So we have a 2D rotation matrix for counterclockwise (positive) angle "$a$":
$\begin{pmatrix}
\cos(a) & -\sin(a) \\
\sin(a) & \cos(a)
\end{pmatrix}$.
For clockwise (negative) angle:
$\begin{pmatrix}
\cos(a) & \sin(a) \\
-\sin(a) & \cos(a)
\end{pmatrix}$.
When converting euler angles to 3d rotation matrix we extend rotation matrices of yaw ($z$), pitch ($y$) and roll ($x$) angles and multiply them. The same convention is used for all angles: counterclockwise direction, right-handed system.
$R_x =
\begin{pmatrix}
1 &    0    & 0 \\
0 & \cos(x) & -\sin(x) \\
0 & \sin(x) & \cos(x)
\end{pmatrix}$,
$R_y =
\begin{pmatrix}
\cos(y)  & 0 & \sin(y) \\
0        & 1 & 0 \\
-\sin(y) & 0 & \cos(y)
\end{pmatrix}$,
$R_z =
\begin{pmatrix}
\cos(z) & -\sin(z) & 0 \\
\sin(z) &  \cos(z) & 0 \\
0       &  0       & 1
\end{pmatrix}$.
Why is the direction of rotation for the pitch angle (sign of sin elements) different from yaw and roll angles? Thanks.

A: Matrix rows or columns are traditionally listed under $(x,y,z)$ order.
Cyclically change the pairs under consideration i.e $(x,y)\to(y,z)\to(z,x)$. The pairs $(x,y)$ and $(y,z)$ show up in the same order in the matrix but the $(z,x)$ shows up in reverse in the matrix. That is the cause of apparent discrepancy but really there is no discrepancy.
For example write
$x'=x\cos \alpha - y \sin \alpha$
$y'=x\sin \alpha + y \cos \alpha$
now change $(x,y)\to(y,z)\to(z,x)$ and $\alpha\to \beta \to \gamma$ and write the three matrices to see how $(z,x)$ part gets flipped.
Edit:
If you want them to look alike then give up the matrix notation and instead write
$y'=y\cos \beta - z \sin \beta$
$z'=y\sin \beta + z \cos \beta$
And
$z'=z\cos \gamma - x \sin \gamma$
$x'=z\sin \gamma + x \cos \gamma$
In each instance if you try to write $\left[ \matrix{ x' \cr y' \cr z'}\right]$ in terms of $\left[ \matrix{ x \cr y \cr z}\right]$  you will see that the mystery goes away.

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Weber Marine is a part of Saint-Gobain Weber, which is Europe's leading manufacturer and supplier of materials and solutions to the Building and Marine industry. Saint-Gobain Weber is owned by the French, worldwide operating Saint-Gobain group. The Weber Marine Premix range leads the world in production of pumpable cementitious self-levelling floor screeds.
Weber supplies functional and durable floors specified for ships and oil platforms requiring all from fire insulating constructions with non-combustible materials, sound insulating constructions to primary deck coverings. Floors on marine applications are subject to extreme stresses, such as knocks, vibrations and tremors, and shrinkage and failure to adhere are common industry problems. By installing a weber marine floor you avoid these issues.
The decisive benefits of the Weber range of marine solutions are the efficient properties of the solutions - speed of application and access. The weber range of products is pumpable, reducing the time needed for screeding, installing primary deck covering of 300 - 500 m² per hour, walkable after 1 - 3 hours and laying floor covering after 1 - 3 days.
The Weber range of marine products satisfies the requirements stipulated by the authorities and the leading classification societies. All our marine self-levelling compounds are design approved by DNV. The manufacturing process is also registered in accordance with SS-EN ISO 14001:1996, SS-EN ISO 9001:2000 and NS-EN ISO 14001-2004.


text:
A warm welcome to Kerryn Sorhaindo who has joined the NoTurningBack2020 Ambassador team
f1 Recruitment Limited – from us all
Thank you De Montford University for having our Ambassadors talk at your Inclusive Careers Event
We would like to say a massive thank you to everyone that presented and supported the #NoTurningBack2020 Ambassador & Advisor Event on Wednesday 24th November!
Are you looking to return to work in a PR , Communications, Media or Marketing capacity after taking time out of your career for caring reasons? Back2Businessship 2022 now open for Applications
We are delighted to welcome Koyin Akinsiku – Senior Account Executive at MSL Group as new Ambassador to NoTurningBack 2020.
A very warm welcome to Kerryn Sorhaindo, Digital PR Account Executive, Minty Digital and now Ambassador for NoTurningBack2020
Kerryn's career has blossomed from her days at Priesthorpe High School in Leeds, moving onto Northumbria University, Newcastle then taking her first role at the environment agency.
Kerryn is now based in Barcelona, the startup capital of the world, where she not only creates top-notch digital campaigns but supports NoTurningBack2020, talking to schools and Universities about her journey.
KERRYN SORHAINDO
Self confessed technophobe, now creating top-notch digital campaigns
Tell us a bit about your career to date, your experience and your key skills. Why did you decide on a career in Marketing / Communications? How did you break into the sector?
I fell into Marketing and Communications by accident. Like many people around me I entered university with no clue about what I wanted for my future, because of that I ended up on a course that wasn't the right fit for me. I began my university career studying American Studies, after being inspired by Barack Obama's run for president – I knew I wanted to one day be involved in a political communications campaign. However, after a few too many long lectures on the American Civil war I realised a degree in American Studies was not the right path for me.
It was my family and friends that encouraged me to change to Public Relations and Communication, they read the description on the prospectus and said that it matched my personality perfectly – from that moment on I realised that communications was 100% people orientated and the ideal career path for a 'people' person like myself.
What do you most love about your work? Can you give an example of a project you are currently working on and your role in it?
The main thing I love about working in a digital marketing agency is that every single day is different. I have the opportunity to work with a whole host of businesses which means I am constantly learning. In my current role at Minty Digital I am based in Barcelona, which is unofficially known as the startup capital of the world therefore, many of the clients I work with are small, startup businesses.
In comparison to traditional public relations, Digital PR is a fairly new industry and the main part of my role is tapping into pop culture and current trends to craft creative PR campaigns and increase the presence of a brand online and in the news.
These two things combined are really exciting and I love watching how my work contributes to the progress of a smaller brand or business (usually seen as an underdog), establishing itself as a key player.
What more do you think needs to be done to level the playing field for people from more diverse backgrounds in Marketing & Communications?
Two things stand out for me in reference to creating a more level playing field. The first is representation. Representation is essential not only to ensure that people from more diverse backgrounds enter the industry, but more importantly to help us rise through the ranks into senior positions. If you can see someone above who looks like you, has had similar experiences, and the same background your path to success becomes so much more attainable!
The second is educating and inspiring the younger generation, school leavers and university students. I stumbled across the industry during my first year of university and before then I had never considered PR and Communications as a serious career path. This is why the work that we're doing as part of the No Turning Back Ambassador program is so crucial, as it gives the next generation of talent much needed inspiration, knowledge and exposure to the industry earlier.
What is your one piece of advice to young people looking at a career in Marketing or PR?
Never stop learning. Your education does not stop when you leave school or graduate university, some may argue it's only just beginning. I constantly stay up to date about the industry by looking for new skills and inspiration. Digital PR specifically has a really engaging community on Twitter. Whether you are already working in the sector or you're hoping to join, I would recommend following key people in the industry because they're always sharing tips, examples of work and new and exciting ways to work! This has been key to my development over the past few years.


The Victory Square in the night.
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text:
Singapore Children Education and Grooming
Primary School Registration and Academic
Woman admits to calling stepson 'prostitute's child', abusing him repeatedly
Thread starter hunter-killer
SINGAPORE — She called her stepson a "prostitute's child" and tore up his Good Conduct Award, claiming that the boy did not deserve it.
The demeaning remarks were not the only form of abuse that the 43-year-old woman subjected her stepson, then 11 years old, to. She also slapped him on the cheeks and hit him on the head with a mug, and hit him on the nose, on separate occasions – drawing blood with each act of violence.
The Singaporean woman, who cannot be named due to a gag order, pleaded guilty to three charges of ill-treating a child on Tuesday (1 September), with two similar charges to be taken into consideration when she is sentenced.
The woman lived with her stepson, his father – whom she was married to – and her biological daughter at a public housing flat.
The abuse occurred as early as November 2016, when the boy placed an empty plate in the sink after finishing his meal. A while later, the woman called him to the kitchen and asked him to wash the plate, telling him, "you think I am your maid is it". While he did as instructed, the woman hit the back of his head with a ceramic mug, causing him to bleed.
When she realised the wound was bleeding, the woman brought the boy to the toilet to wash it and informed her husband about the incident. The boy was brought to a hospital where his three scalp lacerations were treated. No police report was lodged then, as the woman apologised and promised not to hit the boy again.
However, she did not keep her word. On 19 May 2017, she slapped the boy a few times on his face after he failed to recall an English test question. The boy felt dizzy and heard a ringing sound in his head. He also tasted blood in his mouth. He was brought to a relative's home the next day and his paternal aunt lodged a police report after observing his injuries.
The aunt decided to report the matter as it was not the first time the boy had been abused by his stepmother.
More at https://sg.news.yahoo.com/woman-admits-to-calling-stepson-prostitutes-child-abusing-him-repeatedly-060136182.html
Krenpar
It is such a strange case...


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With more than 15 years of experience in the software industry IV has provided services throughout Africa. Our maturity coupled with a strong understanding of the finance industry allows us to develop highly effective business related software solutions.
We have been involved in large scale development projects with some of SA's leading financial industries. However our corporate finance forte has never precluded us from venturing into other business spheres. Our website development initiatives, CRM, CMS, Ecommerce and Custom development services cater for all clients from all avenues of business.
We have a passionate team of digital experts that are dedicated to helping you bring your ideas to market. Our wealth of experience allows us to offer you proven processes coupled with amazing creativity and the best in class technology. Utilize our best practices to save you time and money without sacrificing quality.
Strong management structures have enabled us to provide high quality service to clients for whom high quality is the only option. IV has always considered itself a fast and efficient company. All of our developments are handled by either project managers or account executives who will provide you the client with perpetual feedback during the course of your project. This governance model allows our clients to reach key decision makers quickly and effectively and paves the way for very fast turnaround times.
We always think of the big picture and try to make every one of our clients into long term business partners.
It's easy. Just give us a call or fill out our project inquiry form. Once we have a better understanding of your needs, we'll take it from there.


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Justin Mund
HomeJustin Mund
Justin Mund, born in 1974, grew up in Healdsburg, Sonoma County, California. After high school, he attended Santa Rosa Junior College where he earned an A.S. degree. While at S.R.J.C., Justin focused his coursework on wine and viticulture. Justin then spent three vintages at Ferrari-Carano Vineyards and Winery where he split his time between the cellar and vineyards.
In 2000, Justin moved to the central coast to attend Cal Poly, SLO and earned a B.S. in Fruit Science while working as a cellarman for Laetitia Vineyards and Winery in Arroyo Grande, CA. In July, before the 2002 harvest, Justin became the Assistant Winemaker for Laetitia in which capacity he remained until 2006.
In June of 2006 Justin became the Winemaker for Addamo Vineyards and Winery, a small Estate Producer in Orcutt, CA. He spent the next four vintages crafting unique, critically acclaimed wines, with grapes both from the Orcutt estate and from select vineyards throughout the central coast.
Justin began with Orfila in May 2010 and has now completed his 9th harvest in San Diego and 21st of his career as of this writing.
"It's exciting for me to look back and see how much the Orfila team, production, and the quality of wines have developed since 2010 when I arrived. My goal is to produce the best wines we can from our estate fruit and from a select group of growers throughout California" – J. Mund
760.738.6500 Ext.21
justin@orfila.com


text:
layout: kanji
v4: 470
v6: 509
kanji: 軟
keyword: soft
elements: soft, car, lack, yawn
strokes: 11
image: E8BB9F
on-yomi: ナン
kun-yomi: やわ.らか、やわ.らかい
permalink: /rtk/軟/
prev: 歌
next: 次
---

1) [Raichu] 8-1-2006(166): Cars are rough steel things, lacking softness.

2) [daredawg3583] 18-12-2007(115): If your car has really soft seats, you may start yawning and eventually fall asleep at the wheel (imagine that this seat is a huge soft beanbag that nearly swallows the driver, and it will be easier to remember).

3) [decals] 4-10-2008(40): Someday, they will invent SOFT cars. The cars will be so safe that accidents will become no big deal. (Imagine drivers yawning as their cars crash into each other and bounce harmlessly away).

4) [plumage] 11-10-2008(20): If you play SOFT rock in the CAR while driving, you'll soon start YAWNING.

5) [Codexus] 28-12-2007(10): A softener commercial, but with anthropomorphized cars (similar to Pixar's Cars for example). The little baby car is wrapped in some kind of soft fabric and yawning. So cute!


text:
Q: Access the rvalue address using an operator? How can I use an expression or an operator to get the address of a rvalue ?
char buffer[100];
time_t rawtime=time(nullptr); //rawtime used only once ,after that it's abandoned.
strftime(buffer, 80, "%y%m%d %H%M%S", localtime(&rawtime));// rewrite these two lines into one line?

Should act like this:
strftime(buffer, 80, "%y%m%d %H%M%S", localtime(&(time(nullptr))));

A: The built-in address-of operator requires an lvalue operand, so you need to produce an lvalue somehow.
You can turn rvalues into lvalues with some kind of opposite of std::move, here called stay:
template <typename T>
T & stay(T && x) { return x; }

Usage:
std::localtime(&stay(std::time(nullptr))

Alternatively, you can use some other pre-existing function template that has a reference parameter and provide an explicit const template argument, since rvalues can bind to constant lvalue references. (Usually this is a very dangerous aspect of such interfaces ("rvalue magnets"), but we'll exploit them here for this use case.) One example function template could be std::min, but we can use std::addressof for even greater convenience here:
#include <memory>

// ...
std::localtime(std::addressof<const std::time_t>(std::time(nullptr))
// ...         ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^