At Sandals® Resorts, guests can experience the distinct flavors and aromas of Appleton Estate Jamaica Rum as part of its renowned Luxury Included® Vacation experience. As the oldest sugar estate and distillery in Jamaica, Appleton Estate produces world class rum using time-honored traditions that have been passed down from generation to generation since 1749. From Reserve to Appleton 12 Year Old, guests of Sandals Resorts can experience all the unique flavors of Appleton Estate Jamaica Rum during their next Caribbean vacation. Watch as Sandals Resorts Culinary Ambassador Walter Staib travels to the lush Nassau Valley to discover the art of rum making, then visit https://www.sandals.com/difference/ap… to find out even more!


Formerly on the faculty and a Research Associate at the University of Southern California, Dr. Ranney has extensive teaching, administrative and practice experience. She also is a License Clinical Social Worker. Dr. Ranney has numerous publications and was the project director of the Geriatric Enrichment Grant at CSULB funded by the John A. Hartford Foundation. Her current research interests focus on the predictors and mediators of stress among dementia caregivers, with a specific focus on the influence of cultural and gender differences. In April 2004, Dr. Ranney received the Most Valuable Professor Award for the College of Health and Human Services at CSULB.


text:
Q: postgres continuous backup scheduling I have set up Postgres conintuous backup by making a base backup and archiving WAL files, as specified here.
Our database is very low use (but very important to back up) so we produce a new WAL file every couple of days.  I plan to force it to generate WAL files every hour, the questions is what criteria I should consider in setting the frequency of base backups? once per day, month, 3 months? what are the benefits / problems of long vs short intervals between base backups?

A: It's a trade-off between the cost of storage vs the cost of losing data.
Postgres will create a new WAL file when it reaches 16 MB. If that takes a week, then you might lose that 16 MB of data if bad things happen before the new data reaches that size.
If you set archive_timeout to an hour, then you get a new 16 MB file every hour, even if there isn't 16 MB of actual data.
It's faster to restore a recent base backup and fewer/smaller WAL backups too.
How quickly do you need to recover from a catastrophic loss?
Storage is pretty cheap these days, and people's time is expensive. I would go with at least a weekly base backup and hourly or daily incremental backups.

redpajama_set_name: RedPajamaStackExchange


The police are calling them accidents. They say young men are simply drinking too much and meeting a tragic end in icy lakes and rivers. But the public thinks something else has been going on in America's northland since 1997. They're calling the sudden disappearances of hundreds of college-age men mysterious. They're calling the drownings murder.
Inside the NYPD during a year of intense trauma: 4 cops assassinated by the Black Liberation Army, others machine gunned in their car; two Mafia dons whacked, a gigantic corruption investigation, the city's biggest jewel heist, headquarters cops jostling for power while constantly undercutting each other; a new commissioner trying to force the department into the modern age.
Het is "de misdaad van de eeuw" genoemd en de "Europese Kennedy-moord". Op 28 februari 1986 werd de Zweedse premier Olof Palme doodgeschoten in het centrum van Stockholm. 10 Redenen Waarom Zweden De Moord Op Olof Palme Niet Oplost voert de lezer mee naar de moordplek, verklaart waarom Palme zowel geliefd als gehaat werd, volgt de vaak bizarre sporen en vertelt wie de trekker overhaalde.
Walking The Razor's Edge The Dutchman & The Baron is the untold story of Dutch journalist Willem Oltmans, his life and his journalistic work concerning George de Mohrenschildt and his friendship with Lee Harvey Oswald, accused assassin of President John F. Kennedy.
This book will take you through the numerous scenarios and countless suspects from that moonlit night in West Memphis Arkansas in May 1993. We will look at the evidence that points to the West Memphis 3 as the killers but also at the evidence that points to numerous other suspects.
From its very first hours, it was clear that everything about the JonBenét Ramsey case would be different from virtually any investigation those involved had seen before. JonBenét was reported missing Dec. 26th, 1996, in a frantic 5:52 a.m. 9-1-1 call in which Patsy Ramsey told Boulder police she'd found a ransom note demanding the head-scratching figure of $118,000 for her daughter's safe return.
¿Qué es una arquitectura de comunicación? ¿Para qué sirve basarse en una arquitectura de comunicación? ¿Cuál es el papel del modelo de referencia OSI de ISO? ¿Qué es un protocolo y un servicio de comunicación? ¿Cómo se organiza la arquitectura TCP/IP? ¿Qué es una aplicación y qué tipos de aplicaciones existen? La respuesta a estas y otras cuestiones se presenta en este libro.
On Lincoln's birthday, 1966, a young man stood on the bimah of a multi-million dollar synagogue in suburban Detroit and, confronting his audience of 700 with the Colt .32 revolver he would soon use to commit murder and suicide, he announced: "This congregation is a travesty and an abomination. It has made a mockery by its phoniness and hypocrisy of the beauty and spirit of Judaism..."


text:
Q: Is there any upper-bound function such as $\frac{k}{x}$ for monotonically decreasing functions? Could you please tell me if the following statement is true?
"Any monotonically decreasing function can be upper-bounded by function $f(x)=\frac{K}{x}$, i.e, if $g(x)$ is a monotonically decaying function then there is a positive real $K$ such that $g(x)≤f(x)$ for $x>0$."
If so, is there any proof for this statement or similar ones that can be found? Any references would be much appreciated. Thanks


A five-member team of medical specialists from the Health and Family Planning Commission, Jiangsu Province in China, is currently on a week-long visit.
A press release from the Ministry of Public Health on Thursday said that the team led by Dr Shu Yusheng, arrived on December 14 and would be conducting surgeries for glaucoma, ophthalmological issues, vascular surgeries, and also training seminars for local doctors and practitioners on the Chinese Medical Brigade stationed at the Georgetown Public Hospital Corporation (GPHC).
A bio-medical engineer on the team will undertake repairs and maintenance to several pieces of the GPHC's medical equipment including the Orthopaedic C-Arm – donated by the Chinese government in October of this year. It was also revealed that laser equipment to conduct eye surgeries is due to arrive in April of next year. The delegation said that their government is disposed to formulating an agreement with the local administration in 2016, for the training of Guyanese doctors in various specialist/post-graduate areas, plus short term instruction for local medical personnel. The medical team which departs Guyana tomorrow has extended a formal invitation to Minister of Health, Dr George Norton to visit the province of Jiangsu in 2016.


If you are ill, injured and unsure what to do next, here are the services which can help.
Choosing the right service when you're feeling under the weather is incredibly important. Not only will you receive the advice or treatment you require, but you'll also ensure that services are able to see those people who may need urgent and emergency care.
Below you will find a guide on what health and social care service are available should you need advice, care or treatment.
Further information can be found in this handy guide.


text:
"""
IMPORTANT: The following factories are still available, but no longer
maintained. We recommend to use https://github.com/klen/mixer for fixtures.

"""
from io import BytesIO
import warnings

from django.contrib.auth.models import User
from django.contrib.sites.models import Site
from django.core.files.uploadedfile import SimpleUploadedFile
from django.utils.timezone import now

from hashlib import md5
from PIL import Image
from factory.django import DjangoModelFactory
import factory

class ParlerFactoryMixin(object):
    """
    Overrides ``_create`` and takes care of creating a translation.

    """
    def __new__(cls, **kwargs):
        warnings.warn(
            'Factories are deprecated and will be removed in django_libs>=2.0.'
            ' Please use https://github.com/klen/mixer instead.',
            DeprecationWarning)
        return super().__new__(**kwargs)

class UploadedImageFactory(object):
    """Creates an uploaded image for testing."""
    def __new__(cls, **kwargs):
        warnings.warn(
            'Factories are deprecated and will be removed in django_libs>=2.0.'
            ' Please use https://github.com/klen/mixer instead.',
            DeprecationWarning)
        return cls._create_image(**kwargs)

    @classmethod
    def _create_image(self, image_format='JPEG', filename='img.jpg'):
        thumb = Image.new('RGB', (100, 100), 'blue')
        thumb_io = BytesIO()
        thumb.save(thumb_io, format=image_format)
        self._image = SimpleUploadedFile(filename, thumb_io.getvalue())
        return self._image

class UserFactory(DjangoModelFactory):
    """
    Creates a new ``User`` object.

    We use ``django-registration-email`` which allows users to sign in with
    their email instead of a username. Since the username field is too short
    for most emails, we don't really use the username field at all and just
    store a md5 hash in there.

    Username will be a random 30 character md5 value.
    Email will be ``userN@example.com`` with ``N`` being a counter.
    Password will be ``test123`` by default.

    """
    username = factory.Sequence(
        lambda n: md5(str(n).encode('utf-8')).hexdigest()[0:30]
    )
    email = factory.Sequence(lambda n: 'user{0}@example.com'.format(n))

    class Meta:
        model = User

    def __new__(cls, **kwargs):
        warnings.warn(
            'Factories are deprecated and will be removed in django_libs>=2.0.'
            ' Please use https://github.com/klen/mixer instead.',
            DeprecationWarning)
        return super(UserFactory, cls).__new__(**kwargs)

    @classmethod
    def _prepare(cls, create, **kwargs):
        password = 'test123'
        if 'password' in kwargs:
            password = kwargs.pop('password')
        user = super(UserFactory, cls)._prepare(create, **kwargs)
        user.set_password(password)
        if create:
            user.save()
        return user

class SiteFactory(DjangoModelFactory):
    """
    Creates a new ``Site`` object.

    """
    name = factory.Sequence(lambda n: 'Example {}'.format(n))
    domain = factory.Sequence(lambda n: 'example{}.com'.format(n))

    class Meta:
        model = Site

    def __new__(cls, **kwargs):
        warnings.warn(
            'Factories are deprecated and will be removed in django_libs>=2.0.'
            ' Please use https://github.com/klen/mixer instead.',
            DeprecationWarning)
        return super(SiteFactory, cls).__new__(**kwargs)

try:
    from mailer.models import MessageLog
except ImportError:  # mailer not installed
    pass
else:
    class MessageLogFactory(DjangoModelFactory):
        """
        Creates a new ``MessageLog`` object.

        We only use this factory for testing purposes (management command:
        "cleanup_mailer_messagelog").

        """
        message_data = 'foo'
        when_added = factory.Sequence(lambda n: now())
        priority = '3'
        result = '1'
        log_message = 'foo'

        class Meta:
            model = MessageLog

        def __new__(cls, **kwargs):
            warnings.warn(
                'Factories are deprecated and will be removed in'
                ' django_libs>=2.0. Please use https://github.com/klen/mixer'
                ' instead.',
                DeprecationWarning)
            return super(MessageLogFactory, cls).__new__(**kwargs)

redpajama_set_name: RedPajamaGithub


WASHINGTON — Sen. Sherrod Brown launches a potential run for the presidency this week in Iowa, a state whose soybean farmers have been hurt by the trade war with China that the Ohio Democrat has supported.
Although Brown's well-honed message of the "dignity of work" probably will resonate with progressives and union households in Iowa, his backing of President Donald Trump's tougher approach to trade with China, plus the senator's opposition to a proposed Pacific free-trade pact, could lead to a chilly response from Iowa farmers.
Before the trade war between the world's two largest economies erupted, American farmers exported $14.5 billion worth of soybeans to China in 2017. That was 61 percent of all U.S. soybean exports.
Since last summer, China has dramatically reduced its purchases of American soybeans. Combined with U.S. farmers growing huge amounts of soybeans, the price of a bushel of Iowa soybeans has fallen nearly 20 percent.
The slump in exports of soybeans and pork products could emerge as a major issue early next year when Iowa holds its caucuses, the first major presidential contest in the 2020 election season.
A survey of rural bankers this month by Creighton University in Nebraska shows that more than half in 10 Midwestern farm states have "boosted collateral requirements for farm loans" because of weaker farm income.
"I don't know how Sherrod sells this message when he comes to Iowa," Swenson said.
Yet others suggest that the drop in soybean exports might be dwarfed by other issues. Because the Trump administration paid farmers $12 billion to compensate them for losses, farmers are more nervous than angry.
And Brown has made a career in Ohio out of winning blue-collar voters with his opposition to a series of free-trade agreements. In particular, he has argued that Chinese manufacturers have taken advantage of mild U.S. trade restrictions to flood the American market with low-cost products.
In addition, advocates of a tougher trade policy with China contend that the Chinese require American firms to turn over what are known as intellectual-property rights such as inventions.
Last summer, the Trump administration imposed steep tariffs on a broad array of imports from China, which led to China retaliating with hefty tariffs on U.S. exports of soybeans and pork.
China not only scaled back its purchases of American soybeans, but, even more alarmingly, it sought soybeans from other markets such as Brazil.
A study released last fall by Iowa State predicted that the drop in soybean and pork exports could cost Iowa farmers as much as $1.5 billion in the first year, a staggering loss just a few years after they were enjoying high prices and brisk sales in foreign markets.
Yet some analysts contend that Iowa Democrats might focus less on international trade and more on selecting a candidate they believe can defeat Trump. Even though Trump carried Iowa by 10 percentage points in 2016 against Democratic nominee Hillary Clinton, Iowa Democrats are hopeful they can erase that outcome with the right candidate.
"Above all, it is electability," Yepsen said. "Democrats are agreed on one thing: They want to beat 'the SOB.' There is vicious opposition to Trump among caucus-going Democrats."
"Caucus-goers would be willing to set aside some litmus tests that might have been administered in the past if they thought the guy was the best at putting together 270 electoral votes," Yepsen said.


There was a brief silence while the others considered this.
"I'm a 'glass half full' kind of person," said Angela in response, then paused, distracted by her wineglass. "And my glass is quite a bit less than half full which means it's time for a refill," she concluded as she got up and headed over to the drink table.
"Bring me some of that please, would you?" said Rose, holding up her glass. Angela reached over and filled Rose's glass.
"I forget what we were talking about," she said.
"What time is it?" asked Grant.
"You're always the life of the party Andrew, aren't you though?" said Grant.
"Keepin' it real pal," said Andrew.
"I propose a toast," said Rose.
There was a moment of silence and then Grant raised his glass. "I would just like to say… " he began.


Blackburn Northern junior members Charlie (14) and George Hutchings (11) are both now playing regularly for club senior teams. Charlie is a regular in the mens first team and George is following in his older brothers footsteps making his debut this season in the club's second team.
Charlie and George can be seen regulalry on club courts playing with their father, jamie, who is head coach at the club.
The brothers have represented Lancashire as number one in their respective age groups. They are continuing to make excellent progress in their tennis development.
Charlie will be competing during the summer at the National Tennis Centre Roehampton in the National Club League finals as well as in the National junior championships in Nottingham.
George is also playing in the National events and has also been selected to play for Great Britain in an international event in Turkey. There are eight other nations involved in the competition.
We will keep you informed on how they get on over the summer.


text:
How Iowa's Governor Went From Dismissing Mask Mandates to Ordering One Herself
The country is recording more than 158,000 new cases per day on average, the highest so far of the pandemic; more than 76,000 people are hospitalized with the virus nationwide, far higher than earlier peaks; and deaths are again on the rise. President Trump has largely ceded the pandemic response to governors, and the states where the virus is emerging at the highest rates — North Dakota, South Dakota and Iowa — are all Republican-led.
In Iowa, Ms. Reynolds had been facing pressure for months — from mayors, doctors, nurses and farmers, who feared that rising cases could lead to interruptions to the food supply chain in a state where agriculture and meat processing are major industries.
Like most other governors, Ms. Reynolds closed down businesses in the spring, but she resisted issuing a stay-at-home order and did not require masks as communities reopened.
Now, as the virus surges across the Midwest, more than 4,100 people are testing positive for the virus in Iowa every day on average, an 86 percent increase over the last two weeks. Hospitalizations have doubled in the same period, and coronavirus patients now make up one out of every four hospitalizations in the state.
The crisis led to a significant move last week, when the Iowa State Board of Health, whose members Ms. Reynolds appointed, urged her to issue a mask mandate. The board's vote was itself a sign of how the virus's worsening toll has forced people to change their thinking. Board members, most of whom are Republicans and work in health care, had discussed face coverings at previous meetings but did not come out in favor of a mandate.
At the most recent meeting, however, they voted 7 to 2 to encourage the governor to issue the order.
"Circumstances have changed enough in Iowa," said Chris Atchison, the board's vice chair, who said he could recall only one other instance in which members had made a recommendation to the governor in his more than three years on the board.

redpajama_set_name: RedPajamaCommonCrawl


text:
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Stop Pretending That You Can't Give Candid Feedback
Ron Ashkenas
8.95 Buy Copies
We've all heard the famous bromide that "honesty is the best policy." But when it comes to performance feedback, honesty often falls by the wayside. Many managers hide behind performance management checklists or water down their feedback with generalizations. And on the other side of the equation, employees tend to position themselves in the most favorable light possible in their self-assessments, and avoid giving constructive feedback to the boss, even when it's requested. The result is a lack of candid dialogue between boss and subordinate — which not only prevents the organization from improving, but also stymies individual development.
The odd thing about this phenomenon is that everyone knows that performance feedback should be more candid. There are hundreds of articles about the value of candid assessments and most supervisory and management courses include some variation on how to have "courageous" conversations (corporate-speak for "honest"). There also are some organizations, such as GE and (the new) Ford under Alan Mulally, that insist upon it.
Research also shows that employees are far more engaged when they receive honest feedback; and that leaders who rate highest in managerial effectiveness are those who most actively seek feedback from others. Yet performance feedback continues to look like the Emperor's New Clothes, where everyone pretends that it's different than it is.
The reality is that candid, two-way dialogues are intensely uncomfortable and cause anxiety on both sides of the table. The boss, for example, often worries that too much candor might be hurtful or damaging. As one senior manager said to me, "If I tell this person what I really think, it could destabilize her and make it difficult for her to do her job." At the same time, the boss may also want to be liked by the subordinate and doesn't want the relationship to deteriorate, especially if they have to work side-by-side. So it's easier to pull punches than to say something that might damage the relationship.
On the other side of the ledger, subordinates worry that negative feedback will adversely affect their job continuation, career prospects, or earning power — so they may appear defensive or anxious, which makes it even harder to have an honest conversation. And if the manager asks for feedback, many subordinates will try to say nice things as a way of currying favor, or signaling a quid-pro-quo arrangement of "I'll give you positive feedback if you give me the same."
The net result of all this angst and (largely unconscious) anxiety is a stilted, pro-forma, ritualistic, and not very productive pattern of dialogue about performance. It's a pattern that adds little value to the organization or to managers and employees.
Unfortunately, given the powerful nature of the underlying psychological forces, it is difficult to break this pattern. Most people believe Jack Nicholson's line from the movie, "A Few Good Men," when he shouted: "You can't handle the truth!" That doesn't mean that there's nothing you can do. On the contrary, given the enormous value that more honest feedback can produce, here are three suggestions that might be worth exploring:
Acknowledge and discuss the difficulty of honest performance feedback. Whether you are the boss or subordinate, initiate conversation about the issue, the underlying psychology, and the value of getting it right. Use this blog post or other articles like it as a way to get the discussion started. The more you can build awareness of the dynamic, the better your chances of dealing with it.
Separate developmental feedback from job-security issues such as compensation and promotion. The easiest way to do this is to conduct these discussions at different times (even if your corporate process wants you to do them together). Doing this allows you to focus the conversation on how you and your subordinate can better accomplish key goals and projects — so the discussion is more work-related than "personal." Making this explicit division removes some of the emotion from performance assessment and might free you up to be more candid.
Like any good skill, you need to practice. So don't wait until the formal process kicks in and you're under the gun to fill out forms and have a high-anxiety performance review. Instead, engage your people (or your boss) in a series of mini-discussions about how things are going and what can be done differently. The more frequently you have these conversations, the more comfortable they will become.
Honest performance feedback is not easy. But learning how to do it well can make a huge difference both for you and for your organization.
Ron Ashkenas is a coauthor of the Harvard Business Review Leader's Handbook and a Partner Emeritus at Schaffer Consulting. His previous books include The Boundaryless Organization, The GE Work-Out, and Simply Effective.
This article is about GIVING FEEDBACK


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text:
// This file is automatically generated.

package adila.db;

/*
 * Samsung Galaxy J1 Ace
 *
 * DEVICE: j1acelteltn
 * MODEL: SM-J110M
 */
final class j1acelteltn {
    public static final String DATA = "Samsung|Galaxy J1 Ace|Galaxy J";
}


text:
urban bohemian
Dilettante, gadabout, ne'er do well, etc...
by urb · Published June 15, 2007
Am I reading a comic or watching a movie?
Wow. I read through a few issues of newuniversal this morning and it's pretty good stuff, I'm impressed. I was a fan of the New Universe from the 80's though I never felt that a lot of it pulled together...
Oops! Check, please?
Well I now can't go back to 1409 Playbill Café for about a month or so now… Justin was about 20 t-cells short and will have to undergo chemo for a week now, so understandably he was feeling pretty low....
Whatever! Wednesday
And she didn't come in today, either. I'm sure that comes as a shock to absolutely no one. For a while today I suffered a temporary disconnect between my brain and the rest of my body and my answer to...
RIP Don Herbert – Mr. Wizard
'Mr. Wizard' dies at 89. I don't know that many friends that can't replicate a "trick" they saw on Mr. Wizard, or rattle off a scientific fact that he ingrained in our young minds. Even when I got older, I...
Speaking of disbelief…
I should probably mask this entry somehow, but right now I'm just pissed off and I need to vent a bit. If anyone wants to give me legal advice on whether writing the truth still constitutes libel, feel free. I...
Disbelief not suspended!
For some reason I was thinking about the movie The Devil Wears Prada and the scenes where it was noted how long it was taking for Andy to bring Miranda's coffee and it still doesn't mesh in my head. I...
Maliciously Moodily Malfunctioning Monday Madness
I want a do-over, let's go back to say Sunday around 1:30 or so. I was in the middle of a lovely, well-earned nap then and life was good. I think champagne and other bubblies must be a good thing...
If only sangria didn't need to macerate
Ok, so I was in the local liquor store for some champagne for the aforementioned champagne and fried chicken and I spotted a sparkling shiraz. Normally I wouldn't have dared, but I was curious and it was marked way down....
Pride 2007: Parade Aftermath
Mr. & Ms. Capital Pride Leather… and me! [urbanbohemian/flickr] See all of my Capital Pride 2007: Parade pictures Man do my feet hurt! — That was my first thought when we reached Thomas Circle, but it was a lot of...
by urb · Published June 9, 2007
Pride 2007: T-15 mins
Ok Justin's on his way over and we're headed downtown. I'll be with Whitman-Walker and they're at the front of the parade, I think, so hopefully we'll be able to start walking right away and not be bunched up behind...
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Q: Convolution with a particular delta sequence Let $f:\mathbb{R}\to\mathbb{R}$ be locally integrable and define a function $\rho_L$ for $L>0$ by $$\rho_L(x) := \frac1{x\ln L} 1_{[1/L,1]}(x).$$
Obviously $\int\rho_L = 1$. Is it true that the convolution $f*\rho_L(x)$ converges to $f(x)$ in the $L\to\infty$ limit almost everywhere? The fact that this $\rho_L$ is not a approximation to the identity (i.e., not a scaled version of some $\rho_1$) makes the standard proofs (using Hardy-Littlewood's maximal function) not applicable, it seems to me.


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INSCOR On Track With Ghana Initiative
With the return of its CEO from a highly successful trip in Ghana, INSCOR, Inc. (OTCQB – IOGA – Spec Buy), along with the other partners associated with an impressive mass social welfare initiative, is gearing up for the 4Q13 launch of the program, which could eventually encompass as many as 650 million living in poverty in Africa.
The National Mass Social Welfare Scheme (program) known as MSWS, was established with the objective of providing critical social assistance to the needy in the Republic of Ghana and across Africa. Like most emerging market programs of this size and scope, successful implementation can only be accomplished via public-private partnerships.
To that end, Ghana's Millennium Development Authority (MDA) has been tapped to implement the broad social welfare program to poverty-stricken citizens in Ghana. It should be noted that all MDA projects are backed by the full faith and credit of the Millennium Challenge Corporation, an innovative and independent U.S. foreign aid agency that is helping to lead the fight against global poverty. The Millennium Challenge Corporation was created by the U.S. Congress in January 2004 with strong bipartisan support.
The MDA's first stage objective is to complete enrollment of participants into the program throughout the Republic of Ghana in order for them to be provided with an electronic stored value card that is similar to EBT (Electronic Benefit Transfer) cards issued by state welfare departments in the U.S. The MDA's mandate calls for 3 million participants to be enrolled by the end of October 2013, with as many as 18 million people estimated to participate in the program by the end of 2015. Once basic needs are met via the cards, the MDA, with the aid of other private and public partners will provide other services such as: affordable housing, educational grants, and providing capital to set up new businesses.
Thanks in large part to the lobbying efforts of its CEO Kenny Andam, INSCOR was selected as one of a handful of outsourced service providers in this venture and is working closely with the selected provider of cards to the MSWS participants. With an estimated heavy card attrition rate due to loss and theft, the MDA elected to reduce its capital and operating costs associated with managing the card program by hiring INSCOR to guarantee the replacement of cards that may be lost or stolen via a program geared specifically for this venture. By outsourcing most of the replacement costs and critical administration functions by paying what amounts to a per card monthly insurance premium (much like with cell phone insurance options in the U.S.), the MDA can address other, larger issues affecting its members.
Clearly, the contract alleviates unnecessary burdens for the MDA and is lucrative for INSCOR, despite costs associated with premium finance and expenses related to the card replacements. Once the 3 million cards are issued, INSCOR will receive a monthly fee of $1.00 per card by the end of November 2013, and continuing for 12 months. As the program is expanded to include all of Ghana and other neighboring African nations, the Company could record as much as $216M in annual revenue by the end of 2016.
A savvy and internationally acclaimed entrepreneur, INSCOR CEO's Andam, a former Olympian looks like he may have brought INSCOR the gold via this lucrative deal in Ghana.
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