If you have ever needed to allocate an amount over time, and split the amount into monthly columns based on the number of days, you'll quickly realize that this simple idea is tricky to actually implement. As with anything in Excel, there are many ways to accomplish this task, and this post walks through one such method. If you prefer another method, please post a comment with your formula.
The goal is to take an amount, say $1,000, and allocate it into monthly columns between the allocation start and end dates, say 1/1 through 3/31. We would expect to see about a third of the amount in each monthly column for Jan, Feb, and March. We will allocate it based on the number of days in each month, so it won't quite be equal thirds (January has more days than February). In addition to this primary goal, our formula should be consistent, so that we can fill it down and to the right and it should continue to work. Also, our formula should handle negative amounts in case there are any credit balances. And, our formula should return a zero if the allocation period is outside of the months reflected in our allocation table. Finally, our formula should handle partial month periods, and support allocation periods of say 1/15/14 through 4/15/14.
Although Excel has some built-in functions that get us kinda close, I haven't discovered one that satisfies all of the goals outlined above. One such function that gets us close is the VDB function, however, it has a built-in assumption that the allocation is made in equal periods, and does not allow us to allocate an amount based on the number of days in a month. If your workbook doesn't need this daily allocation, and simply requires whole-month periods, then the VDB function will greatly simplify your workbook and so it is definitely worth spending the time to check it out.
Note: the next few paragraphs walk through the logic of the formula, if however you just want the answer, skip down to the end of the post and feel free to download the sample file.
Rather than just post up the formula, I thought it would be helpful to build the formula together, piece by piece, so that if you decide to use it in your workbooks you will be able to adapt it and maintain it over time.
First of all, let's have a look at the sample workbook, so that our objective is crystal clear.
The overall idea is quite simple. We take an amount, divide it by the number of days in the allocation period, and then multiply this daily amount by the number of days represented by each column in the allocation table. The related formulas in Excel are also quite simple, except for the part that figures out the number of days represented by each monthly column.
This formula computes the number of days between two dates, which for most things is just fine. However, in our case, it creates a problem. Taking the simple case, if we wanted to allocate a value from 1/1/14 to 3/31/14, there are 90 days that we need to allocate. That is, 31 days for Jan, 28 days for Feb, and 31 days for March. However, a simple subtraction results in only 89 days because it does not include both date endpoints. This is an easy issue to overcome, since we can simply add 1 to the result. Our modified formula, shown below, will populate the Days column just fine.
We can fill each of these formulas down, and the result is shown below.
So far, so good. Now, let's get to the hard part: computing the number of days represented by each column.
We know that if we can compute the number of allocation days represented in each column, we can simply multiply it by the daily amt (DailyAmt). So, for now, we'll focus only on computing the number of days represented in each column.
Let's make an assumption that will help throughout this exercise. Let's assume that the column headers in the monthly allocation table are date values that represent the last day of the month. So, the Jan column header is actually a date value that represents 1/31/14, and so on.
Rather than just post the formula to compute the days, I wanted to provide a more visual way to understand the mechanics. So, I created a series of screenshots to illustrate what each piece of the formula is doing.
If you think about it, there are several cases that we need our fancy formula to handle. We need it to handle the case where the current column header, we'll call this the current period, falls between the allocation start and end dates. Our formula also needs to handle the case where the monthly column header is less than the start date. It also needs to work when the current period is greater than the end date. So, we'll just go slow, and enhance the formula step by step.
Let's take an easy case first, the case where the current column label is one month into the allocation period. For the series of screenshots below, they all assume that the allocation period is the three-month period from 1/1 (StartDate) to 3/31 (EndDate). If the current period (CurPer) is 1/31, then we could think about the number of days as the line segment A pictured below.
The number of days in Segment A is easily computed by subtracting the date endpoints.
So far so good? OK, let's consider another case. The case where the monthly column date is earlier than the allocation start date. For example, a current monthly column date of 11/30, as illustrated below.
In this case, our formula (CurPer – StartDate) will result in a negative number of days. This is an easy fix. The MAX function returns the largest argument value. For example, MAX(100,0) returns 100, and MAX(-200,0) returns 0. So, we can easily update the formula to prevent a negative number from being returned by wrapping a MAX function around it.
Another case our formula needs to handle is the case where the current period is more than one month into the allocation period. For example, when CurPer = 2/28. Consider the screenshot below.
Our existing formula (CurPer – StartDate) returns the cumulative number of days between the current period and the start date. Since we only want the number of days within the current monthly column, we need to subtract the number of days prior to the current period. This is represented by Segment C above. Segment C can be computed by subtracting Segment B from Segment A.
The PriorPer value is easily computed with the EOMONTH function. If you haven't explored the EOMONTH function, here is a post that walks through it. To avoid negative day values, we'll once again use the MAX function.
The final case we need to handle is the case where the current period falls after the end date, such as when CurPer = 5/31. This is illustrated below.
Our existing formula, which computes Segment C, would return a non-zero value even though there should be no allocation since the current period date is after the last day of the allocation period. Thus, we subtract from it the number of days in the current period that are in excess of the EndDate, represented above by Segment F. The desired formula result is C-F to return zero days.
Again, in order to prevent negative days from being returned, we wrap a MAX function around these, and, once again, we compute the PriorPer date using the EOMONTH function.
If we put all of this into a formula, and then fill the formula down and to the right, the result of the number of days computed for each column in the allocation table follows.
Although it may appear confusing, it is simply computing the steps we did above. We compute Segment C (the first line in the formula above) and subtract from it Segment F (the second line).
The MAX functions are in there just to ensure we don't return a negative number of days, and the EOMONTH functions are in there just to compute the prior period date values.
Translating the logic above into an actual Excel formula results in the updated formula below.
The above formula takes Segment C minus Segment F and then adds 1 if the last day of the current column period is equal to the start date period. The updated allocation table is shown below.
Now that the number of days is accurate, all we need to do is multiply them by the DailyAmt stored in cell $G9. The resulting worksheet is shown in the screenshot below.
And that my friend is one way to allocate an amount into monthly columns. There are so many other ways, I'd love to hear your preferred method…post your formula into the comment box below.
Please download the sample file if you'd like to check it out.
I've been looking for a spreadsheet to Allocate my sales for years…. thank you!
Awesome resource. Thanks for posting.
Great formula. I used it to allcoate the amount of days an activity takes place per month. I was wondering if there was something I could add to the formula exclude weekends. Thank you for your help.
I've uploaded an updated version of the sample workbook to include a new worksheet named "Weekdays" to illustrate. I've basically replaced the simple subtraction used previously with the NETWORKDAYS function. Hope it works out well for your purpose…thanks!
Is there a way to use your method above with these added complications? Thank you SO MUCH for any advice or assistance!
Me again! I played around with the spreadsheet you posted for Danielle & tried changing NETWORKDAYS to NETWORKDAYS.INTL (that I learned about in my online searches) to allow me to account for multiple classes per week and holidays. It is ALMOST working!!! However, there's an error in there somewhere that I just can't find. For some reason in *some* of the columns that are performing the calculation, it is adding a day. I have the spreadsheet that I would be happy to upload/email. So happy to be making progress at last! Thank you for this breakthrough & thank you in advance for your further help!
I see you posted this yesterday…sorry for my delay…did you get it working?
Thank you so much for your reply! Maybe… It looked like it was working, then I made some other changes to the worksheet that caused some problems & I've been trying to sort those out… It is showing me errors now, but it could be that once I fix the other problems I'm having, those will go away… I will keep you posted! If it turns out it's working, I'd be glad to share the formula if you are still interested in having it! Just not sure of the best way to show it?
Results in 100 being allocated to 3/31/14 and 0 to 4/30/14 columns? Any idea what is causing the issue?
I believe I found the solution to my previous post. If you subtract 1 from every instance of networkdays() so networkdays()-1 then it seems to work correctly.
Thanks for not only identifying this issue but also resolving it…much appreciated!!
Excellent file. It helped me a lot.
Thanks! Sure, happy to help. I've added a new version (Allocation3) above that includes a new sheet for daily allocations.
This is amazing. I have been trying to compute deferred revenue for a while and this formula allocates the sales value to the respective period in no time!
Sure, doing the allocation by month instead of day just requires a minor tweak. I've added a new tab to the file which demonstrates the mechanics. It is available above as Allocation4.
how about the same in pivot??
I'm not sure at the moment how to build such a PivotTable…but it would be awesome! Perhaps I'll kick the idea around a bit and if I come up with something useful I'll create a post on it.
I have to take value of a sale of a publication that contains adverts. It could be published on any day in any month. Our year end is 30th April each year. I then have to spread the income over 730 days (2 years) as that is how long the publication is available for.
Example. Cost is £730 for ease of calculation, column A. Publication date is 10th April 2015, column B. I need 10 days in year one so £10, column C. £365 in the second year as a full year is required, column D. £355 in the 3rd year. My column headers are currently 30th April 2015, 30th April 2016, 30th April 2017.
Each financial year end is a nightmare for me as each sales value is different and published on different days throughout the financial year. I currently work out the daily value, the number of days that should be in each year and then manually do the formulae row by row, column by column. There are hundreds of publications and it is driving me crazy.
Is there a quick way to create a formula for this seemingly simple calculation.
Alright my friend, I've just posted a new version (Allocation5) to the list above that includes a sheet for yearly allocations…hope it helps!
Thank you for posting this I have being trying to longest to find this to help converting monthly revenue recognition to monthly. This was so helping for creating in excel. I have then updated this to reflect in PowerPivot.
From a knowledge sharing and high value activity, recreating this document in PowerPivot would be unmeasurable insights and value. I can tell you there is nothing on the internet you can to help with this kind of clarity to build it. Contact me if you need some help. Great job and thanks for sharing your skills to help others be successful this posted was powerful!
Chris – if you have any advice for recreating this in PowerPivot, I'd love to share it with others. If you have instructions, please post, or, if you have a file I can distribute, please email it to me and I can make it available for download.
I've been scouring the internet for something like this for over a week and I finally found it ! This is exactly what I was looking for. Many many thanks Jeff! Did you get around to this on PowerPivot ?
I need to run these calculations with half a million records in Excel ! I think PowerPivot with DAX functions and some Date Tables might be able to work this out much more efficiently.
Thank you for the post it has been most useful. I am using the monthly allocation but in a few cases I need to have the costs report in specific months that are not linear. For instance, how would I evenly distribute the costs to Feb, May, Aug, Nov?
The sample file (Allocation4) has a worksheet named Monthly that demonstrates the formula for an even allocation by month (not based on number of days)…hope it helps!
Very helpful. Is it possible to set up a formula to distribute a value into months, based on a bell curve distribution.
Although I'm unaware of a built-in Excel function that can perform such a calculation with varying months and percentages, one idea is to store the distribution percentages in a Table, for example Month 1 is 5%, Month 2 is 25%, Month 3 is 50%, and so on, and then do a VLOOKUP to retrieve the distribution percent based on the month number.
Hope this lookup idea helps!
this is great to refer to. do you have a trick to also account for tracking actuals against the forecast and toggling between the two on the month-over-month impact view. example is: project start date, project end date, total contract value, ytd actuals, remaining monthly projected accruals (with actuals hard coded for past months). the logic that i am toying with involves very complicated IF statements: if today is >= project start date, start date for daily amount calculation will equal today instead of project start date. Now to figure out how to make excel do this for me!
But then i also want to go back and see projected versus actuals for past months….
Sounds like there are two tasks here. One is to allow your worksheet to toggle between the calculated allocation amounts (forecast) and the actuals (keyed in for past months). The other is to create a variance report on a different worksheet to compute projected versus actuals.
Regarding the variance report, I would probably set that up on a new worksheet, and then use a lookup or SUMIFS function to populate the values from the projection for the forecast column, and another lookup or SUMIFS function to grab the values from the actuals sheet.
Anyhow, a few ideas to consider…I hope they help!
Hi Jeff, this is very close to what I need for planning resources by week based on percentage. How can I show the number of hours per week based on the % allocated (100%, 50%, etc).
Sure, no problem! I've updated the workbook to include a sheet named Weekly Hours that allows you to assign hours by resource. Use the Allocation6 link above to grab a copy of the updated workbook. Hope it helps!
Can you please send me the sheet that does daily allocations excluding weekends ?
Hi Jeff, very nice work. However notice that if the monthly project has 2 rows: The first one starts at 1 January to 15 January and the second line starts from 15 January to 31 January , then the total days for January are 32. For the period 1 – 15 January (15 days) and for the period 15-31 January (17 days). Do you have a solution for this?
January 15 is being included twice in the Excel formulas because it is listed on both rows. To use the formulas provided in the workbook, I would recommend updating your second row to January 16 to January 31.
This could be nice , but in my project I take into account the time the project starts and ends.
Tenure period from 5 Mar 2012 to 12 July 2013 is 1 Year, 4 Months and 8 Days.
Can Excel actually help to calculate rental in such a way?
I don't know of any way you can do that exactly…but you can divide the payment by days and multiply the daily rate by the total days of the tenure.
The above is very useful. How do you get this formula to start and stop at a specific end date? So if I have a start date of 3rd July and an end date on the 15th September, how can I get the formula to only work out from the 3rd July up until the 15th September? Ultimately, I need the formula to start at a specific date and end at a specific date, rather than just the start and the end of the month. Is this possible?
Managed to sort it out.
OK, this would be useful if it did what it says on the tin!
So what happened to Alloc 4?
Also if Alloc 3 is supposed to give a daily Alloc, between 2 dates, why does it give a monthly amount?
I need an amount per WORKING day, between 2 dates, please.
I'm sorry, but could you try to clarify your questions? I'm having trouble understanding. NETWORKDAYS() finds the working days between two dates though.
Thanks for the idea! Mr. Jeff will consider this for another blog.
You should use Networkdays(A1,B1, C1:C5) – where A1 is your start date and B1 your end date and C1:C5 is a list of Bank Holidays, where no work will be undertaken.
I use this to get the number of days between the dates, then use a formula which gives me the Daily Cost, which I just copy right under each date. This gives me a daily spend, then I can sum into weeks or months or quarters.
I really appreciate the advice! Can you point me to the file and sheet you used this on so I can understand it better?
Is there a way you can apply this to weeks?
Let me know if that isn't what you are looking for and I'll be happy to help!
thank you for your prompt reply, to answer you Allocation 2 works and does not, in that it has added a another analysis dimension but it hasn't fully tackled my main problem.
I hope from this you can help, at the moment I am running a =sumif() on the daily amount to found if the day is in the week number however I would like this sheet to be an independent analysis.
Would it be possible to adapt your model to work with values that need to be distributed across quarters? For example if I had an amount of $12000. The Alloc Start = 01/02/2016. The Alloc End = 31/01/2017. I would like to see the allocation of $3000 in Feb 2016, May 2016, Aug 2016, and Nov 2016.
To update the workbook to do quarters, open the Monthly worksheet and then change the EOMONTH functions in the monthly header row to use 3 instead of 1 for the second argument. Hope this helps, post back as needed.
Hi Jeff – thank you for posting. Question – on the monthly allocation version how would you go about adding prorated months?
example: contract is Jan 20 2016 – Jan 19 2017 I need to spread the monthly amounts evenly over months Feb 2016 – Dec 2016, but the first month (Jan 2016) only gets 12 days (12 of 31) of revenue and the last month (Jan 2017) would get 19 days (19 of 31).
The first worksheet in the workbook does indeed allocate into monthly columns based on the number of days. Let me know if that one works?
Jeff – thanks for the reply. It looks like that that one allocates the daily amount based on the number of days in the month.
I was looking to prorate a flat monthly fee evenly – so even though Feb has 28 days it still gets the same revenue as Mar.
In the example above assume $100 monthly fee. Jan 2016 would get $38.70 (12/31 x 100), Feb – Dec 2016 would each get $100, and then Jan 2017 would get $61.30 (19/31 x 100).
Oh, sorry about that, I misunderstood. You are right. Let me play with the formula a bit and see if I can get something working for that.
I'm also struggling with the same issue as Andy, any insight or breakthrough?
hello, im trying to use this formula in a sheet i have for nights reservation (like a hotel reservation sheet) but it is not giving me the right amounts per month. for example, i have a reservation from 4/29/16 to 5/2/16 and the formula is giving me just 1 night for april (which cant be, because it is April 29 and April 31st) and 2 night for May (which is only 1. how can i do to make the formula get it from april 29?
Hi There, this is amazing and had been so helpful.
I have a question about a potential addition. Is it possible to add another two columns to add in "breaks". so for example if you want allocation 1 to have a 3 month break in the middle and the remainder to be re-allocated out? it would be great if anyone had any thoughts on this? Thanks so much!
Hi, I want to develop a revenue forecast file. I have many contracts for which we have start date, End Date, Billing Schedule (Like monthly, Quarterly etc…), billing period (Like for monthly from 1st Jan to 31st Jan), Billing Date ( like billing will be done on 1st Jan or 31st Jan) and billing amount. How can I forecast revenue.
I'm so grateful, dear Jeff!
I have been looking for a solution for a long time , it helped me a lot.
Thanks. This is helpful for me to apportion revenue into months for my lodging business. (E.g. someone stays from Aug 4 through Sept 15… and I get the right amounts into Aug and Sept).
The solution is really amazing. The same kind of task I was doing by spending much hours, and the sad part was if the amount or start / end date is changed, it's finished. I need to do the manual entry again. But here which ever the amount or start date or end date change doesn't give even a one minute additional job. Simply enter the changed date. That's all. In seconds the result is there.
It's really great and I will always thankful to you for such a great solution.
Incredible solution, thank you so much for posting – big help on a sales commission calculator that I've been working on. One question I was hoping you'd be able to speak to, I've been using the weekday allocation sheet and noticed that for March, June, August, and November, the sheet adds in an extra day's worth of value. For instance, for 3/1/19 – 3/31/19 if I have an amount of $1,000, then the sheet should allocate $47.62 across 21 days or $1,000. But, it adds in an extra $47.62 to yield a result of $1,047.62. This seems to be tied to the final term, +(EOMONTH(J$5,0)=EOMONTH($D6,0)), but I can't figure out how to fix it for those 4 months, without affecting the other 8 months, which are rendering correctly. Thanks for any help you can give.


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Texan Girl Talks: A whirlwind.
This past week has been an absolute whirlwind.
Four 12-hour night shifts worked. I seriously had the hardest time transitioning back to real life being back to days. Let's just say there was a lot of melatonin involved and maybe wine.
One night with my military family. I attended an awards ceremony for a wonderful lady in my husband's office. It was a great first night off from work. We celebrated on the USS Yorktown, yes, the awards ceremony was on an aircraft carrier. It was really cool, we could see the cable bridge from the ship.
Two days with my nursing school family. I'm telling you this week was non-stop. On Friday, I attended the South Carolina Student Nursing convention. Thank goodness it was in Charleston! Just being silly with my nursing friends was exactly what I needed.
Yes, we were on our way to a luau party. Don't you love our hula shirts?
This was so funny. I shirt made me want a wiener dog. Bad.
The back of our hula shirts were just as fabulous.
It wouldn't be convention without this girl.
Someone missed me this weekend. He was ALL OVER ME.
The weather in October is not disappointing at all. My cats are loving the windows being open.
Last but not least: ONE ATI-RN EXIT EXAM COMPLETE. This is the exam I needed to pass to exit my nursing program, so that my school will endorse me to take the NCLEX, which is my state boards to be a registered nurse. I'm over the moon excited. No extra classes for me.
All of these, were completely necessary so you know the extent of my excitement.
I feel super productive because it's only Monday and I feel awesome.
AND I'll be taking myself on home to the motherland (Texas, duh.) on Wednesday for a week to gorge on mexican food and attend a wedding.
If you don't hear from me in a week, assume I am in a mexican food coma.
Hope you are rocking Monday and if you're not you still have 4 days to make it happen!


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Lionel Messi fuelled by Argentina destiny as Didier Deschamps costs France their momentum - World Cup hits and misses
Lionel Messi missed a penalty but produced an otherwise outstanding display as Argentina triumphed over Poland, while Didier Deschamps' team selection left the France boss under scrutiny; the Sky Sports writers reflect on Wednesday's action
Thursday 1 December 2022 12:47, UK
Masterful Messi fuelled by destiny
Image: Lionel Messi salutes the crowd after Argentina's win over Poland
There was no goal for Lionel Messi against Poland. That despite a total of seven shots, one of which was a penalty brilliantly saved by Wojciech Szczesny. But this was a performance to suggest he may yet be destined to carry Argentina to the biggest prize of them all.
The 35-year-old, fresh from scoring the sensational long-range strike which helped Lionel Scaloni's side overcome Mexico in their last game, produced his best display yet at the tournament, the missed spot kick a blot that ultimately did not matter.
That was largely because of everything else he did.
The records will show Messi had no hand in the goals, with Enzo Fernandez and Nahuel Molina the men to claim the assists for Alexis Mac Allister and Julian Alvarez. But even if the last pass wasn't always his, Messi was involved at some point in almost every attack.
Ten Hag: Man Utd have to strike before Deadline Day if opportunity arises
Poland 0-2 Argentina - Match report
How the teams lined up | Match stats
He had struggled to exert his usual influence against Saudi Arabia and Mexico but not this time. Messi had 98 touches, around 50 per cent more than in either of Argentina's previous games, and that total included 13 in the Poland box.
Image: Lionel Messi had 98 touches against Poland
It was further back, though, in between the lines, that Messi produced most of his best work, putting on a masterclass in distribution as Poland's discombobulated defenders found themselves completely unable to keep up with him.
World Cup last-16 draw and permutations
Saudi Arabia 1-2 Mexico - Match report
Tunisia 1-0 France - Match report
Some of his passes were sublime and, in addition to his seven shots, the statistics showed he was directly responsible for creating five scoring chances - two more than anyone else on the pitch.
There were even five dribbles - more than twice as many as any other player on either side. At times, the feints, shimmies and sudden bursts of acceleration harked back to his glorious peak.
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The question now is whether, at 35, the climax of his extraordinary career is still to come. This Argentina side are flawed in many ways. But they also have Messi. With him in this kind of mood, fuelled by an irresistible sense of destiny, they are serious contenders.
Has Deschamps disrupted France's momentum?
Image: Kylian Mbappe only featured as a substitute
Winning your first two group games in a major tournament can actually cause more headaches than people realise.
Didier Deschamps found that out against Tunisia. Do you keep on rolling by playing the same players that got you into such a dominant position or rest the legs of your star men? You can of course do a bit of both. That is usually how managers approach such a situation.
Tunisia 1-0 France - Match report & ratings
How the teams line up | Match stats
World Cup results | Fixtures | Group tables
Yet, Deschamps took a sledgehammer to his team, making nine changes with the hope of his fringe players sending him a message much like the way Marcus Rashford and Phil Foden did for England on Tuesday evening. Well, France did the opposite. They froze which resulted in a lethargic and wholly imbalanced performance that didn't come to life until Kylian Mbappe arrived on the scene with 25 minutes to go.
France are fancied to go very close in this tournament but if you look at their key rivals Brazil and England, both those teams have benches with the X-factor. France, on this showing, are going to have to rely on a key core of four or five players in order to double up in this World Cup.
Lewis Jones
Why Poland task will not worry France
Image: Poland were not at their best against Argentina in their final group game
The margins could not have been finer. It came down to one Saudi Arabia goal in the end, but Poland and Mexico fans alike were hastily googling yellow cards for a 20-minute spell in the final games of Group C.
Although it ended up being a happy evening for Poland in one respect, in many others it was incredibly worrying.
They had just under 27 per cent of possession against Argentina and no shots on target. Poland only registered four shots overall and just one corner, showing how little they ventured into the opposition half.
In their opener against Mexico, they failed to find the net. However, against Saudi Arabia, they had just nine shots, but scored twice. The Middle East nation racked up 16 shots, but were kept at bay by a Poland defence that did not concede until they faced Argentina.
In fact, it has been goalkeeper Wojciech Szczesny who has driven them to a last-gasp last-16 spot. His save from Lionel Messi's spot kick - which shouldn't have been a penalty to begin with - epitomised the form he is in.
But Wednesday's game drastically exposed Poland's lack of attacking bite with no service to one of the world's best forwards in Robert Lewandowski. While Szczesny was superb in goal, Poland gave the ball away far too cheaply and too often, overran by an Argentina side who knew what their goal was and where it was, for that matter.
Poland face France in their last-16 match on Sunday and nothing the World Cup holders have seen so far will worry them. Didier Deschamps was afforded the luxury of rotating his squad against Tunisia earlier on Wednesday, giving his starting players a vital extra rest ahead of the knockout rounds.
Simply put, in just three days, Poland need to find a way of subduing a talented France frontline and also getting service into their most talented player. It's not an easy task, but the only way you can see Poland having a chance of reaching the quarter-finals based on their performance against Argentina.
Charlotte Marsh
Saudi Arabia exit World Cup as heroes
Image: Saudi Arabia's Firas Al-Buraikan controls the ball on his chest
Saudi Arabia will always have that remarkable victory over Argentina. Those incredible five second-half minutes when Herve Renard's side turned the game on its head to stun Lionel Messi and the world.
Who scored the winning goal for Saudi Arabia in their shock win against Argentina? Salem Al-Dawsari will be a pub quiz answer for decades to come.
Report: Saudi Arabia 1-2 Mexico
It was always going to be the toughest act to follow. We never saw Saudi Arabia reach those heights again in Qatar.
Al-Dawsari was the focal point of their World Cup hopes yet he will forever wonder what might have been had his penalty not been saved in their defeat to Poland - but he had the last laugh against Mexico.
Saudi Arabia looked tired in the Group C finale, stifled by a Mexico side whose objective was clear: must-win. They still showed hallmarks of their famous Argentina success, though, defending with everything they had to repel wave after wave of attacks.
Saudi Arabia's spirit was never broken. Al-Dawsari ran the ball back to the centre circle after scoring his late goal even though their qualification hopes had ended long before.
Renard's team will return to their country as heroes - and that is the real victory of their memorable World Cup.
David Richardson
Leckie punishes Denmark and avoids unwanted record
Image: Mathew Leckie celebrates after scoring against Denmark
The manner of Australia's win over Denmark, sealing their progression to the knockout stages of the World Cup for just the second time in their history, just about summed up both teams.
Despite heading into this World Cup with the best qualifying record of all European nations, all the discussion around Denmark in the build-up to their Group D decider centred on whether they were able to finish their chances off.
Australia 1-0 Denmark - Match report and ratings
Full schedule for Qatar 2022 | World Cup team guides | Download the Sky Sports App
The answer ended up being a resounding no, with former Middlesbrough and Barcelona striker Martin Braithwaite - who was one of three players brought into the starting line-up - cutting a particularly anonymous figure up front.
Australia fans celebrated their 1-0 win over Denmark with wild celebrations at 3am as they confirmed a place in the round of 16 in Qatar at the World Cup. Footage courtesy of: SBS Australia.
By contrast, Australia, who looked on the ropes early on as they soaked up wave after wave of Denmark pressure, made the most of their opportunities, registering more shots on target than the Danes, despite mustering barely 30 per cent of the possession.
Mathew Leckie's goal epitomised the belief, togetherness and the tenacity of this Australian side, who struggled in the second half of their World Cup qualifcation campaign, needing to play and win two rounds of play-offs just to reach Qatar.
Leckie's first apearance at a World Cup was back in 2014, and his expertly taken goal to round off a precision Australia counter-attack saw him avoid claiming an unwanted record - he had taken the joint most shots on goal for a player never to have scored at a World Cup (16) before his winner against Denmark.
Australia had lost eight of their 11 matches against European opposition heading into the game, but they won this one, and will prove tricky opposition in their last-16 tie with Argentina on Sunday if they can replicate the disciplined performance they put in against Denmark.
Dev Trehan
Tunisia learn their lesson too late
When Antoine Griezmann's 98th-minute equaliser was ruled out after the latest of VAR calls at the Education City Stadium, there were a swell of mixed emotions for Tunisia.
It was a bittersweet moment.
The North African nation had, at the fifth attempt, registered their first-ever win against France - the reigning world champions - and deservedly so. But it also did not matter one bit in the context of the 2022 World Cup.
Jalel Kadri's men did as much as they could on the day, but progression to the last 16 was dependent on Australia failing to beat Denmark in the other Group D clash. Matthew Leckie's strike ensured that would not be the case.
Truthfully, had they been more potent in attack in their previous two matches, Tunisia might not have found themselves in such a precarious position. They defended admirably against Denmark, yet had just one shot on target, and lost out to Australia by a single goal in a game they, arguably, had the better of.
They got nearly everything right against France and even kept just their third clean sheet in World Cup history. Perhaps they had a spring in their step when they discovered Didier Deschamps made an incredible nine changes to the team that beat the Danes on Saturday.
Drama in the dying embers almost robbed them of a famous win, but though they did eventually get it, it was not enough to see them crash out at the group stage for the sixth time in six appearances on the world stage.
Dan Long
Super 6 is going International! Could you win £100,000 for free? Entries by 7pm Friday.

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Inevitably, you will one day need to have your vehicle towed to a shop. Unfortunately, towing your vehicle can be quite expensive if you have no towing coverage. Do you know if you have towing coverage? If you are unsure, it is time to contact your auto insurance company to learn if your policy covers towing of any kind. I had no idea that I had towing insurance on my auto policy. I had paid out of my pocket for three tows before the tow truck driver suggested that I contact my insurance company and inquire about coverage. Learn more about towing coverage and tips for getting your car towed on a budget.
Is the open road calling out to you to find the best skiing slopes or travel to the best place to sled? While winter driving excursions and trips can definitely be an adventure, there is nothing fun about being stranded in your car in the middle of winter. In fact, being stranded in your car in the cold can put you in danger. While you wait for a towing service to help you out, you must ensure you have what you need to stay safe and secure in your vehicle.
While you are surely counting the days until your college kids come home for the Christmas holidays, you are probably also a bit apprehensive about their drive home. You are probably well aware that they haven't gotten enough sleep due to finals or other exams and assignments. Also, you know that they may be so anxious to get home for the Christmas break that they might be tempted to have a heavy foot on the gas pedal.


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About Cabinet
Cabinet documents
Ministers and Portfolios
Media Statements
Documents by topic
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Ministerial Charter of Goals
Nation's first dust-related disease register starting in Queensland
Minister for Health and Minister for Ambulance Services
The Honourable Steven Miles
Minister for Education and Minister for Industrial Relations
The Honourable Grace Grace
Minister for Natural Resources, Mines and Energy
The Honourable Dr Anthony Lynham
Queensland workers, including coal workers and stonemasons, will have better workplace health and safety protections, thanks to changes made by the Palaszczuk Government to the Public Health Act 2005 and Public Health Regulation 2018.
Minister for Natural Resources, Mines and Energy Dr Anthony Lynham said pneumoconiosis, silicosis and other occupational dust diseases would now be recorded on the Queensland Health Notifiable Dust Lung Disease Register.
"The health and safety of all Queenslanders is our priority, and I'm proud to see these new changes come into effect," Dr Lynham said.
"We are now able to monitor dust lung disease like silicosis and pneumoconiosis and identify any emerging workplace health issues.
"The register also will allow us to capture incidences of other dust lung diseases from working environments where workers are exposed to inorganic dust.
"Last September we announced $25 million over two years to deliver more reforms to protect coal workers' health and safety.
"We will continue to deliver on our commitment to coal workers across Queensland."
Minister for Industrial Relations Grace Grace said the reforms were further evidence of the Palaszczuk Government's commitment to the health and safety of workers.
"The Palaszczuk Government has worked with industry, unions and the medical profession, and has made extensive reforms to help prevent and identify mine dust lung disease, including coal worker pneumoconiosis (CWP), and to care for affected workers and their families," Ms Grace said.
"This includes the 2017 changes to the Workers Compensation and Rehabilitation Act that gave effect to the recommendations of the CWP Parliamentary Select Committee.
"We are also leading the way nationally in responding to and addressing silicosis in the engineered stone industry.
"Every Queensland worker has the right to safe working conditions.
"The Queensland Health Notifiable Dust Lung Disease Register provides a further layer of protection for workers and will provide government with important data on work related occupational lung disease."
Minister for Health and Ambulance Services Steven Miles said all current and former mine workers and stonemasons were encouraged to undertake a health screening.
"If you have been affected by exposure to dust during your work, please get yourself checked out," Mr Miles said.
"Early detection of some dust-lung conditions may make the difference between life and death for patients.
"Meanwhile, these reforms will ensure we have the best data at our disposal, so we can begin to identify cases of dust-related lung diseases early."
Under the new changes, doctors who are specialists in occupational and respiratory medicine are required to report cases of occupational dust lung diseases to the Queensland Health Notifiable Dust Lung Disease Register from
1 July 2019.
Workers or family members seeking more information about health screening should call the Workplace Health and Safety Queensland hotline – 1300 362 128.
https://www.health.qld.gov.au/public-health/industry-environment/dust-lung-disease-register
https://www.legislation.qld.gov.au/view/html/inforce/current/act-2005-048
https://www.legislation.qld.gov.au/view/html/inforce/current/sl-2018-0117
Minister Lynham: 07 3719 7360
Minister Grace: 07 3719 7110
Minister Miles: 07 3035 6100
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To register for this event, please go to https://www.eventbrite.com/e/marketing-monday-refining-your-elevator-pitch-tickets-60066451373 Entrepreneurs and small businesses are passionate about the products and services they provide. Translating that passion to sales requires a strategic focus on marketing and promotion. Marketing Mondays at the Muskegon Innovation Hub will provide sound tools, techniques and knowledge that every small business owner and entrepreneur needs to know to effectively engage with customers and increase revenue from sales. COST: $10 per person (includes lunch) PLACE: 200 Viridian Drive, Muskegon RSVP: @Eventbrite.com (search Marketing Mondays) by noon Friday, May 10th.


The invention of 3-D printing is arguably one of the most disruptive recent technological advancements, although its potential is far from fully realized. Much of the focus now is on how the technology can be applied to different industries, from medicine to food to auto parts; but the implications go even further — to the supply chain and, by extension, commercial real estate development.
To understand how changes to the supply chain impact commercial real estate, consider e-commerce. Amazon is experimenting with same-day delivery in select cities, which is part of a broader strategy to shorten the time it takes to deliver goods to customers and compete head-to-head with brick-and-mortar retailers. As a result, the company's distribution centers are being located closer to major population centers.


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Wharton Sees Record Number of Executive MBA Applicants
Despite the current economic climate, the time is "ripe" to pursue an executive MBA degree, according to an article in CFO.com about a recent survey by the Executive MBA Council. The survey showed that 2007 applications to EMBA programs were up by 25% from 2005. Michael Desiderio, executive director of the Executive MBA Council, explained in the article: "When economic times are tough, people want to get the best skills they can get."
This is certainly the case at Wharton where the EMBA program has seen a record number of applicants. One reason Wharton remains a top program for applicants is that it is equal to Wharton's full-time MBA program in terms of academic qualification and selectivity, faculty and classroom experience, core curriculum, program length (two years), cost, access to Wharton's alumni network, and potential long-term career value. Even for the students who attend the program in San Francisco at Wharton West, they still have the same faculty as the East Coast students. Wharton faculty actually fly to San Francisco every other week to teach their courses!
This year, the entering classes on both coasts are very impressive. The 115 East Coast students have an average of 10 years of work experience and almost half already hold an advanced degree. Nearly 25% are women; 35% are international students; 66% are sponsored by an employer. Most commute from the Northeast Corridor — Pennsylvania, Delaware, New York, New Jersey, Connecticut, Massachusetts, Maryland, DC and Virginia, but some travel from other states such as Georgia, Michigan, North Carolina, Tennessee and Texas. Others come in from outside the U.S. – Bermuda, Canada and even as far away as India! Many members of the class work in the finance, high tech and consulting industries, but students also work in fields as varied as aerospace, energy, real estate, and telecommunications.
On the West Coast, the average age is the same as their East Coast counterparts: 34. The class of 93 students, 25% of whom are women, has an average of 10 years work experience with 44% holding advanced degrees and 43% sponsored by employers. Most West students come from the software development, health care and technology industries, but many also work in areas such as financial services, marketing, consulting and retail. The majority of the students commute to San Francisco from the Silicon Valley and Bay Area, but some travel from Southern California (Los Angeles, Orange County and San Diego) and other states such as Arizona, Colorado, Idaho, Kansas, Nevada, Washington and Texas.
For more information about the East and West Coast Wharton Executives MBA Classes, go to: http://www.wharton.upenn.edu/mbaexecutive/community/class_profile/class_profile.cfm where you'll find detailed profile statistics.


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Flashback Friday: When Sammy Davis Jr. got devilish.
Blog, Religion & Politics
(Image Source: Vice)
Last week in the Anton La Vey post, I mentioned how Sammy Davis Jr. became a member of The Church of Satan for a while. This struck me as… well, pretty weird. I could see why the publicity-loving Jayne Mansfield would sign up to be Team Lucifer, but Sammy "Member of Sinatra's Rat Pack" Davis Jr.? He was so… laid-back and… cool. And Jewish. He most definitely had converted to Judaism. So what the what? Let's go to Helen O' Hara at The Telegraph for more:
Sammy Davis Jr, the singer, actor and Rat Pack member whose own philosophy of life drove him to try just about everything that presented itself – women, men, religion, drugs – became involved in 1968. He had noticed a gang of lively young people each with a single red-painted nail at The Factory, a nightclub he co-owned, and was invited to go with them to a party he described as "dungeons, dragons and debauchery".
He was, in other words, introduced to the church at an orgy, of course, and surrounded by writhing bodies the prospect of a religion promoting freedom and the complete absence of guilt must have chimed with the adventurous performer.
During his flirtation with the religion Davis held seats for adherents at gigs, and even tried to launch a Satan-friendly sitcom, 1973's Poor Devil, which never went beyond the pilot stage. There, Davis played a minor demon offered the chance to move up the ranks if he could win a soul for hell, with Christopher Lee in his full Hammer Horror flow as Old Nick himself. Despite Davis' best efforts, however, he repeatedly bungled the deal, and eventually let the sinner and his soul alone.
The pilot was terrible, which might have been enough to ensure it never went to series, but protests from religious groups sealed its fate. Soon after Davis took out the nail polish remover, wiped away his own red nail and left the church in 1974, though he maintained friendships there.
Temple of Set founder Michael Aquino and the Church of Satan's founder and high priest, Anton Lavey, in San Carlos, California, after he had become a Warlock IIº in the church. (Image and Caption, Vice)
Over at Vice, Jake Austen gives us more about Davis' Church of Satan association and that failed TV pilot:
Christian by birth, Jewish by choice, Sammy started his personal relationship with Satan during a 1968 visit to the Factory, a nightclub he partially owned. He was invited to a party by a group of young actors sporting red fingernails, signifying their allegiance to the Church of Satan. Founded in 1966 by Anton LaVey, a horror fan with a background in carnival work, ghostbusting, and nightclub organ, the San Francisco-based ministry combined LaVey's interests in ancient paganism, a media-savvy flair for publicity, and a philosophy of indulgence over abstinence.
When Sammy arrived at the party (whose theme he summarized as "dungeons and dragons and debauchery"), all attendees were wearing hoods or masks. The centerpiece of the "coven" was a naked woman chained spread-eagle on a red-velvet-covered alter. Davis was confident though that human sacrifice was not on the menu that evening. "That chick was happy," he wrote, "and wasn't really going to get anything sharper than a dildo stuck in her."
In 1972, after several years of partying with hooded hedonists, Sammy decided to put all his eggs in Beelzebub's basket by reinventing himself as the star of the first satanic sitcom…. Inverting the story of Clarence the angel from It's A Wonderful Life, it features Davis as a bumbling coal-shoveling demon who is offered a chance to move up in hell… if he can successfully procure the soul of a San Francisco accountant played by Jack Klugman. After 73 minutes of Sammy's bumbling attempts to fulfill Klugman's bitter revenge fantasies, the one-eyed devil with a heart of gold takes pity and lets his client out of his contract, returning to his sulfuric furnace with a comedic shrug.
Even without the satanic overtones, this is a profoundly disturbing film, with Sammy employing that creepy "innocent" voice he utilizes in the talk-sing opening of "Candy Man," and the soulless sitcom non-funniness rendered even more sinister by the lack of a laugh track. But what makes this show stand out is the "realism" of hell. There have been plenty of comical pop-culture devils (Hot Stuff, the comic-book devil of mudflap and tattoo fame, Bedazzled), but never with this detail. Not only is Lucifer played by the genuinely evil Christopher Lee (who opted not to notch down the Hammer horror vibe), but his imposing office features a gigantic inverse pentagram behind his desk, framed by walls of lurid, glittering flames. Each devil wears a pentagram pendant, and Lee casually gestures to his minions using a devil horn salute. And just in case there was any ambiguity that this show was turning a sympathetic horn to Satanism, at one point Klugman, in search of Sammy, lunges for the phone book declaring, "I'll call the Church of Satan downtown, they'll know how to contact him."
Soon after, LaVey himself struck up a friendship with Davis, who began appearing in public with a painted fingernail. When Sammy was in the Bay he would reserve front-row seats for LaVey's entourage and flashed them the Sign of the Horns during the show. In private conversations, Davis revealed a deep, passionate interest in the Satanic philosophies and LaVey reportedly considered making him a senior official of the Church.
But it was not to be. The first blow to the ascension of Satanic Sammy was Poor Devil not being picked up as a series because, in addition to sucking, the pilot reportedly received a good deal of protest from religious groups. One can only wonder what the series would have been like. Would Klugman continuously vacillate between heaven and hell, ultimately accepting Sammy as his satanic slave every week? Or would it be a series of celebrity soul-sellers, a Love Boat on the River Styx?
The world will never know, nor shall this mortal realm know what a Sammy-led Church of Satan might have wrought. Early on, LaVey decided to keep Davis's entourage at arm's length, branding Samala's PR chief David Steinberg "a professional Jew" bent on separating Sammy from the Dark One. And by 1974, probably without Steinberg's influence, Davis decided to move on. In Why Me? he offers that "one morning after a 'coven' that wasn't all fun and games… I got some nail polish remover and I took off the red fingernail."
And Davis moved on, to other, far more human devils. But that's another story for another post.
1960s 1970s Flashback Friday Music Sammy Davis Jr.


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The Dead Nation/Ticketmaster Merger
You've got to read the article in yesterday's Sunday New York Times Business section on Irving Azoff and his consolidated Live Nation and Ticketmaster concert venue monopoly.
If you want to see once more what is wrong with the music industry, go right ahead. I just got angrier as I worked my way through the article.
I know you find more snakes in the music business than you do the Amazon rain forest, but the arrogance of these two companies is what burns me up.
Their business model is built on greed not innovation and greed will work while you have a monopoly but innovation is required to grow.
I don't know where you stand on government takeovers of things, but I am less concerned about that than I am about monopolies being formally approved by the government for the benefit of the few that end up screwing of consumers.
The 43-year old Live Nation CEO Michael Rapino rolled up his concert venue company (22,000 events a year/127 theaters/50 million concert goers) with the company fans love to hate -- Ticketmaster.
Hello, DOJ!
Well, it's done now and the 5-foot-3 62-year old Azoff lives up to his short man syndrome in the article where his "Irving Wins" t-shirts are a premonition of things to come.
Of course, Irving wins!
And Michael Rapino as well.
This is America where if you can make it to the top, you get government approval to not only screw your customers royally but -- and this is really important -- inadvertently screw the future of your industry.
I'm out ahead of this early but that's my prediction -- Live Nation/Ticketmaster will end up being a turkey.
As many of my young readers will tell you, baby boomer arrogance is nice for aging entertainment executives but they don't know jack about the music industry of tomorrow.
Azoff -- as he explains in the article -- thinks he can turn Ticketmaster into a one-stop merchandising store for artists that Live Nation features.
This brainstorm from a consumer-unfriendly company that heaps the following charges on, say, Lady Gaga tickets -- $2.50 as a "facility charge", $15.45 for a "convenience charge" (whose convenience?) and $2.50 if a concert-fan wants to print their ticket at home.
The promoters get some of this extra added profit refunded to them but most of the money stays with Azoff and partners.
Just exactly who I want to support.
I am a great believer in live music and all the many benefits that result from artists touring and performing in front of their public. But I have bad news for Azoff.
The next generation is built around their cell phones and mobile devices. There is no doubt they would like to go to live venues to see their favorite artists today but they are also a generation that is all about diversity in musical genres.
If you're an artist and you're touring, guess which monopoly you'll be touring with -- Live Nation/Ticketmaster. That sounds like the road to real diversity to me (sarcasm intended).
The old music industry is in its sunset years.
That's why it lives off of catalog artists.
And fights digital growth.
Fails to see file sharing as the free promotion instead of piracy.
And why it is trying to tax the radio industry -- the people who made their artists, the ones that Azoff and Rapino are still getting rich off of.
The Times article is well done and it is really more like an obituary as I read it. More depressing than the Al Pacino Jack Kevorkian HBO special I watched over the weekend that makes you want to actually call Kevrokian.
The music industry of the future, as Azoff and Rapino know -- is not built around venues alone. You have to fill the venues.
For that you need radio right now and Internet, social networks in the future and, yes -- whether they believe it or not -- music file sharing as a promotional tool.
These clowns are running a closeout sale for the next five years or so -- and in my opinion pillaging the industry with their hammer hold on live events.
Ticketmaster by itself should have been shut down for its monopolistic tactics. Ask anyone at a live event what they think of Ticketmaster.
The future of the music industry, therefore, is music diversity.
That opposes where Azoff is going.
Mobile Internet.
Not to sell merch from an untrusted Ticketmaster franchise, but through social networking sites that feed the passion of fans -- your best asset going forward.
It is not about the arrogance of an industry giant and how many toys you die with (that's right, he said it in the piece) - it's about community, mobile access, fairness and the power of people who sell your products for you.
Apple gets away with charging aggressive prices and young people don't seem to complain after they've purchased their Apple devices. Maybe before they have the money to buy them, you'll hear some complaints (I am an Apple shareholder).
Consumer advocates quoted for the Ticketmaster story say "the sky will be the limit when it comes to fees" -- and that is true for the short haul.
Azoff, Rapino and the old titans of the music industry who have ruined it on its way down are so yesterday.
It sounds odd to hear someone say the biggest live venue monopoly in the world is so yesterday when they are just getting started hitting people up for more fees.
But you know what I'm getting to.
In a world that loves avatars, don't get so cocky that people will continue to overpay for a live performance.
In a world that sees thousands of fans at sporting events on their cell phones during the action, don't get so cocky that live events as they are today will always be around in the future.
Arrogance aside.
Beverly Hills bullshit forgiven.
No consolidated media merger has worked.
And these consolidators can't see the future because they are about the here and now.
Because if you want a growth business, don't sell out to consolidators or they'll turn it into a pile of garbage -- after they've gotten rich many times along the way.
Look at radio consolidation.
To paraphrase Ronald Reagan, are you any better off today than you were before consolidation?
In radio?
In television?
In the music industry?
It seems all of our country is obsessed with consolidating companies that someone else built.
Now, it's time for the builders to come back and innovate new companies and in our space that means new media companies and music initiatives.
Ticketmaster/Live Nation is about the same old thing -- monopolizing music venues and high ticket prices.
That ship sailed with the Nina, Pinta and Santa Maria.
And I know my readers are a step ahead of this -- while music barons get rich in the near term, they will not be able to compete in the next space.
A venue is only a building or structure in which live entertainment is performed.
Filling it?
Better keep your eye on the next generation.
They know something that Irving Azoff doesn't.
Live Nation will one day be Dead Nation.
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I've already posted up a page on the main website explaining the details on the copper pendants I've been working on, but I thought I could give a bit more background here about what I find intriguing about these artifacts that are a part of our culture.
Coppers where made by almost all of the tribes up and down the coast but in particular they were used by the northern tribes. The general shape varies only slightly and is a flaring trapezoid with a round top with a lower straight section divided by a t-shaped form.
Coppers were essential to a number of rituals and were symbolic of wealth (supernatural power) and purity, the state of halayt. Coppers appear to have been made even before contact with the European nations. The copper was painted with black lead and the designed engraved through this coating.


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Senators Markey, Van Hollen, and Bennet, and Rep. Meng Applaud Inclusion of $3 Billion in E-rate Distance Learning Funding in Bipartisan Senate Coronavirus Proposal
Washington (December 14, 2020) – Senators Edward J. Markey (D-Mass.), Chris Van Hollen (D-Md.), Michael Bennet (D-Colo.), and Congresswoman Grace Meng (NY-01) today applauded inclusion of their legislation the Emergency Educational Connections Act and $3 billion in funding for the E-rate program in the bipartisan Senate coronavirus relief proposal. The lawmakers' legislation funds elementary and secondary schools and libraries, including tribal schools and libraries, to provide Wi-Fi hotspots, modems, routers, and internet-enabled devices, including internet service through such equipment, to students, staff, and patrons. It would also allow schools and libraries to continue to use the equipment after the emergency period.
"We are pleased to see our legislation that funds K-12 distance learning included in this bipartisan coronavirus relief package," said the lawmakers. "We cannot afford to wait another day to connect online our nation's most vulnerable children to their educators and classmates and to ensure the 'homework gap' does not grow into a damaging learning gap as the pandemic continues. This $3 billion in E-rate funding is a strong down payment on ensuring all kids can continue to learn and develop throughout this health crisis."
The Emergency Educational Connections Act, introduced in May by a group of 46 Democratic Senators and by Rep. Meng in the House of Representatives, would appropriate at least $4 billion to be delivered through the E-Rate program to equip students with internet connectivity and devices during the ongoing pandemic. Since the E-Rate began nearly two decades ago, more than $52 billion has been committed nationwide to provide internet access for schools and libraries. Senator Markey is the author of the original E-Rate program, which was created as a part of the 1996 Telecommunications Act. The program is designed to connect schools and libraries to the Internet, as well as ensure access for low-income students and families.
Tags: Telecommunications, the Internet & Privacy


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MIFID II Costs & Charges
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Intergrated imaging technology has evolved after the develoment of CCD (Charge Coupled Device detectors). Filmless digital dental x-rays are now available allowing graphical manipulation via computers. Digital facial photographs are also possible, allowing patients to view computer projected post operative facial changes. Computerized Axial Tomography (CAT scan) was invented in the 70's by "The Beatles's" EMI Corporation in the United Kingdom (G. N. Hounsfield). CAT scans were the result of intergrating x-rays and computers. CAT scans are excellent for visualizition of the facial skeleton.
The MRI scan (Magnetic Resonance Imaging) provides the capability for more definitive soft-tissue analysis. The MRI is used for assessing the status of the articular disc of the TMJ in oral and maxillofacial surgery. In addition, it is helpful diagnosing infection of the head and neck region.


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There are credit cards available for blacklisted people but it can depend on how bad your credit record is.
You may find yourself with a bad financial record often through no fault of your own. If you are one of these people, don't be ashamed and do not despair you are by no means alone.
Having said that, if you have been "blacklisted" by a company. At some point you will realise just how difficult, if not impossible it is to get approved for a new credit card with your bad credit record.
This can be frustrating as we don't want to carry cash in our pockets all the time. Not to mention it being dangerous given the high rate of theft in our country.
Expenses such as groceries, petrol and clothing are much easier to pay for with the swipe of a card these days. Also many of us want to buy products online which cannot be done with cash.
More often than not the method of payment required by online merchants is by credit card. With the consumer having to provide his/her card number as well as a few other personal details.
So is there a solution to this problem? Is there any way a person can be approved for a credit card if he or she finds themselves on the so-called blacklist?
The only type of card likely to be granted to you with a bad credit record will be in the form of a prepaid credit card. Which means you will be spending your own money and not somebody else's. Which can obviously be good news or bad.
The prepaid card looks the same as any other. With a number, expiry date and security code except it's not linked to a bank account. Therefore will not provide the owner with a line of credit (money to borrow – and pay back).
Instead it gets pre-loaded with a set amount of cash. And depending on the kind of card you get can either be topped up or not. So if you use your pre-paid credit card and it does allow you the option to top up with cash, when funds are running low, you can do just that. The prepaid card that cannot be topped up is issued with only the amount you pre-load it with.
Once you have spent that the card becomes worthless. This kind actually makes a nice gift for somebody.
They are available from most banks and some retailers. And accepted just about everywhere you would use a standard credit card. As well as being safer than carrying cash and more convenient.
If you are planning a trip overseas this can also be a good solution. You will not need to worry about carrying cash into another country. Or on you while you travel.
If you plan on doing a lot of online shopping then the pre-loadable card is probably the one to go for. Paying for goods on a merchant's secure website will be exactly the same as you would pay with a standard credit card.
Entering your card number, expiry date and security code etc. You will be limited by the amount of money that you have loaded on the card.
That's about all there is to it! Absa, Nedbank, Standard Bank, FNB, Capitec Bank all offer prepaid credit cards in some form to South Africans.
You can usually apply for a VISA card. Just take along your ID to your nearest branch and speak to a consultant.
If you are blacklisted it is the only solution to owning a credit card. But it's a good one to use for shopping on the Internet.
Use it when you travel and just about anything else you need to pay for. Especially when you cannot or do not want to pay with cash.
Is it Possible to Buy a House if you are Blacklisted?


What starter Pokemon from X and Y are you?
What soul do you have?
How well do you know Divergent (the books)?
Which marine animal suits you?
Would we love or hate u?
Would you have Ice or Fire Powers?
What is your warrior cat name (she cats only)?
Are you more like a Brony Or Pegasister?
Which character from Besuto Precure are you?
Who is your Undertale date?
Are you papyrus or sans?
What subject will you ace in high school?
could you survive Harry Potter?
Which Alphamau character are you?
If you were an R/C Car, which one would you be?
Which Undertale character would you date?
How well do you know Meraculous Ladybug?
Which Undertale character is your ideal lover?
How well do you know celebrity faces?
What color miku are you?
what rob character are you?
What Role Did You Play In The Trojan War?
What Popular Jammer Are You?
How well do you know the Fairy Tail charaters feelings?
What does Mr. Spring think of you?
What does Ben drowned think of you?
what Five Nights at Freddy's night guard are you?
which star wars girl would be you girlfriend?
what sans would you be?
Who is your supernatural boyfriend ?
What kind of turtle are you (jk)?