For those of you who don't already know, DollarsAndSense is currently participating in a 'friendly' Airmiles vs Cashback competition organised by SingSaver, where different financial websites select which is the preferred type of credit cards. DollarsAndSense along with The MileLion are on Team Airmiles.
We choose air miles over cashback because the maths clearly show that a miles card would deliver better 'cash spent to benefit received' value.
A recent discussion with a friend who just started working after graduating from university prompted us to write this article.
After explaining and successfully convincing our friend to apply for an airmiles card, instead of a cashback card, we wanted to write this article so that we can explain this to young graduates on the rationale on why most young adults are better off choosing an air miles card over a cashback card.
You can thank us when you are travelling on your complimentary Singapore Airlines (SQ) ticket for your year-end holiday, or even your Business Class SQ flight during your honeymoon, while your (stubborn) friend either remain in Singapore or spent a few thousand dollars, unnecessarily, on flights.
We will be assuming that you are able to meet the minimum annual income requirement of $30,000. If you don't, then this discussion doesn't apply anyway, since you would not be able to apply for cashback cards either.
Let's assume you charge an average of $1,000 per month to your credit card. You would spend a total of $12,000 per year.
If you use a basic air miles credit card such as the American Express Singapore Airlines KrisFlyer Credit Card, which gives you 1.1 Miles for every $1 spent, you would earn a total of 26,400 miles over a 2-year period.
This is not all. If you include in the traditional welcome bonus of 5,000 miles, and the additional 7,500 bonus miles that you received if you spend $3,000 within the first 3 months, and then another additional 7,500 bonus miles if you spend another $3,000 from 4thto 6thmonth, you would earn an extra 20,000 bonus miles.
In total, you will earn 46,400 miles.
Special SingSaver promotion: If you apply for an American Express Singapore Airlines KrisFlyer Credit Card from now till 31 January 2019, you will also get $150 cash. Apply here today.
What Does 46,400 Miles Get You?
Besides what we have stated above, there are of course various types of combinations that you can consider based on how much miles you are willing to redeem. Check out Singapore Airlines Award Chart here.
If your plan is to travel once every 2-3 years, we would definitely suggest charging your monthly expenses to an airmiles card as often as you can, since you can easily earn enough miles to redeem round-trip flights to most popular holiday destinations in Asia.
For many young working adults who just graduated, earning miles for a free flight will be a rather achievable task. You don't have to be a big spender or a frequent holiday goer to enjoy these complimentary flights. All you need to do is to use the right credit cards.
What If You Used A Cashback Card Instead?
Using a cashback card isn't necessarily a bad thing. It's just painfully uninspiring. Let's assume you receive a 1.5% cashback on your spending. Using the same example, you would have spent $24,000 over 2 years giving you a total cashback of $360.
Not bad, but certainly nothing close in terms of value compared to enjoying a free round-trip flight to Hong Kong, Taiwan or Maldives.
Some ill-advised cashback fanatics claim that miles card will make you spend more. That's just plain ridiculous.
A cashback card provides cashback based on the same exact principal that a miles card do. Regardless of whether you are using a miles card or a cashback card, you have to spend on your credit card in order to earn the benefits.
The main reason why some cashback fanatics have this (incorrect) perception is because most cashback cards provide cashback on a monthly basis.
For example, if I spent $1,000 a month, I can earn a cashback of $15 each month (based on 1.5% cashback rebate). If I am a cashback fanatic, I may think I am saving $15 each month. Conversely, if I am using an air miles card, I could earn 1,100 miles which doesn't give me any savings…yet.
However, when I travel, I will be able to claim on these air miles which I have saved up over the past 2 to 3 years. This means I could easily save at least $400 to $500 if I fly on economy, as compared to my cashback friend who will now need to spend on his flight.
Both air miles cards and cashback cards do help you to save, with the key difference being that cashback cards provide short-term savings while the savings for air miles cards are only realised when you redeem for a flight, which won't be something which you do every day.
Cashback fanatic who think cashback cards are the only option for saving money are only looking at this topic from their own short-term perspective. The only time an air miles card doesn't make any sense is if you have no intention to travel. If this sounds like you, then you are better off sticking to a cashback card.
Some cashback fanatics may also argue that they are able to earn higher level of cashback. Do yourself a favour. As a young working adult, treat these claims with a pinch of salt.
The simple reason is that in order to efficiently earn these higher cashback rates, you must first meet a minimum spend each month. The easiest way to so is to have recurring bills each month. Many cashback cards also give you a higher rebate if you clock in spending in certain categories such as telecommunication bill, petrol, grocery shopping and even utilities.
This is great…if you are like me – a dad who needs to pay for milk powder and diapers, home utility bill, telecommunication bill for myself, my wife, my parents petrol for the family car, and the never-ending list of groceries required.
So, don't begrudge the auntie who is religiously using her trusty POSB Everyday Card at Sheng Siong and Watson to pay her bill. She is probably using her cards wisely based on the bills she has to pay for each month.
But unless you intend to step up and pay for all the household expenditure, which we are sure is an offer your parents would not turn down; most fresh graduates will find the benefits they get from using cashback cards rather unattractive.
If you are planning for your wedding, going on a holiday, doing home furnishing for your new home or even waiting to welcome a baby to your family, you are likely to find yourself spending quite a fair bit of money within a short period of time.
For these occasions, an air miles card is pretty unbeatable. Considering the following two situations.
You and your spouse are planning for your wedding. You expect to spend at least $15,000 over the next three months.
If both of you use a good cashback card, such as the UOB One Card, and split your bills such that you spend $2,000 per month each, for three months in a row (min 5 purchases), you will be able to earn a quarterly rebate of $300 per card, or $600 in total. Not bad.
However, if both of you apply for a Citi Premier Miles card instead, and split your bills such that you are charged at least $7,500 each within the first 3 months, you will be able to earn 30,000 bonus miles per card.
Add that to the 1.2 miles per S$1 spent and you would have accumulated at least 39,000 miles per card, or 78,000 miles in total.
This is enough to redeem a pair of round-trip business tickets to Perth or Maldives for your honeymoon. 78,000 miles is also enough for 2 pairs of round-trip SQ economy tickets to Maldives for your honeymoon – something which we pretty confident $600 will not be able to get you.
Financial blogger Budget Babe, who is probably Singapore's biggest cashback advocator, even admitted (reluctantly) in a Facebook Post that there are certain occasions where you are should definitely use an Air Miles card, instead of a cashback card.
Special SingSaver promotion: If you apply for a Citi PremierMiles Visa Card from now till 31 January 2019, you will also receive $200 Takashimaya, NTUC FairPrice or Grab Vouchers. Apply here today.
As a young working adult, planning for a wedding, buying furniture for your new home, going for an annual end-of-year holiday trip, buying a new laptop or even delivering a baby are all big-ticket items that you are likely to make, at one point in time or another. So be smart and charge your expenses to an air miles card so that you can enjoy savings in the future when you travel.
From now till 31 January 2019, you can enjoy attractive benefits if you apply for any of the six air miles cards offered by SingSaver. If you are looking to apply for your first air miles card, we would strongly recommend the American Express Singapore Airline KrisFlyer Credit Card.
Here is the full list of air miles cards available.


Acceptability of Standards from Alternative Compendia - MWA CONSULTING, INC.
Do your standards require compliance with multiple compendia? You may be able to simplify your standards testing.
The latest addition of the MAPP (Manual of Policies and Procedures) 5310.7 – Acceptability of Standards from Alternative Compendia (BP/EP/JP) published in January 2017 states that it is reasonable to accept an applicant's proposal to use a quality standard from the BP, EP, or JP as part of the specifications for an excipient, drug substance, or drug product in the drug application, if the standard in the BP, EP, or JP is equivalent to or better than the corresponding standard in the USP/NF.
This is useful information for those responsible for marketing authorization or incoming goods control in the pharmaceutical industry.


text:
EU PROJECTS > Life Terpene >
Life Terpene: about Terpene
The D-limonene or terpen it's a natural solvent existing both in the citrus fruits and in many other plants, with extraordinary technical and chemical properties. It can represent an optimal alternative to chlorinated solvents in many civil and industrial applications.
Terpene chemistry
Nearly all the terpens, contained in the essential oils of many plants, are constituted by a skeleton of carbon atoms made of isopren unities regularly linked according with the head-tail position. Some components are shown in the following formulas.
The main component of the essential citrus fruit oil is D-limonen, commonly called terpen, that is a hydrocarbon insoluble in water ; when the essential oils are used to flavor something, it's necessary to bring them is very a thin suspension in the aqueous product (soft drinks, juices, etc.) .
This purpose is reached in many ways:
the oil is emulsified in a solution of a suitable hydrocolloid (arabic rubber, CMC, etc), with or without an emulsive agent;
in the countries in which it's possible to use the bromurate oils (olive oil, peanut oil, etc.), these compounds (that have a high specific weight) are dissolved in the essential oil in such proportion as to obtain a lipidic phase with specific weight near to the aqueous phase to be flavored. Recently it's used the isobutirrate saccharose acetate instead of the brominates oils;
the alcohols of the essential oils are prepared by extraction with ethanol at 65- 70% and a separation of the terpenic superior insoluble phase in ethanol. These alcohols are directly used as additives to ameliorate the soap.
The modern trends are favorable to a larger use of deterpened oils, that are soluble in aqueous solutions. The compounds obtained by deterpenation of the citrus fruit oils are oxygenated: aldehydes, alcohols, ketons, ethers, esters, ecc.
It's possible to execute the deterpenation through different processes, the oldest and most diffused is the terpen separation by under vacuum distillation; than there is the steam current deterpenation for stripping the deterpened oil from the stearoterpens and others undesired waxy elements. The deterpenation itself is done by liquid extraction, through couples of solvents in which terpens and oxygenated compounds have different solubility. Lately the solvents are removed by distillation.
The most modern process is in any case the deterpenation chromatographer; the kieselgur saturated with hexane is used as absorber of the oxygenated compounds that are then eluted with ethyl acetate. This solvent is then removed by distillation and the oil without terpens is recovered.
Extraction techniques
The market offers actually four different techniques for the extraction of terpen and essential oils from peels and citrus fruit pulp. The choice of the extractive technique influences both the quality of the obtained extracts and the extractive yield. None of them excel in all the categories, so the citrus fruit sector is still looking for new technological solutions.
Cold extraction. The cold squeezing technique (includes skinning and scraping) gives better quality products (as the terpenic mix is not altered by thermal treatments), but the yields are very low (normally under 0,5 % of the peel weight). Moreover with these systems the terpenic fraction is extracted with a lot of water that is separated by centrifugation.
While the essential oils obtained by simple squeezing are always liquid, the ones obtained by steam current or solvent contain also solid products at room temperature, waxes and tri terpenic hydrocarbons. The analysis of this process gave the following data:
Process type Process efficiency
(=% of extracted essential oils) Quality of essential oils (content in aldehydes as citral %) Energetic consumption in extraction phase per kg of extracted essential oil Time of thermal treatment
Manual pressing (excluded centrifugation) 45 – 70% 1,3% 1,0 kW -
Steam current. This technique is correctly used for its competitive costs and for the possibility to extract nearly all the terpenic mix from the peel, but causes some variations in the mix composition that doesn't make it suitable for the deterpenation process of the mix for the valorization of its aromatic fraction.
While the essential oils obtained with the simple squeezing are liquid, the ones obtained by steam current or solvents contain products that are solid at room temperature- waxes and tri terpenic hydrocarbons.
The ratio among the components extracted subjecting 50 gr of orange peel (Citrus sinensis) to steam current from 135 to 140 degrees for one hour is reported in the following table:
Constituents g/100 g of oil extracts
a - pinene 0.5
b - pinene 0.38
myrcene 1.3
limonene 94.4
linalool 0.39
The terpenic mix extracted with this methodology has been determined in 2.06 grams of 100 grams of treated peel; as the peels represent the 17 % in weight of the whole fruit, it's possible to calculate the percentage content of terpenic mix compared to the whole fruit of Citrus sinensis L.: 0,3502 %.
From bibliography it results that the quantity of essential oils in the citrus fruits can very from 0,3 to 0,7% of the weight of the whole fruit.
The analysis of this process gave the following results:
(=% of extracted essential oils) Quality of essential oils (content in aldehydes as citral %) Energetic consumption in extraction phase per kg of extracted essential oil Time of treatment
Extraction under steam current 98-100% 1,8% 130 kW 1h
Supercritic CO2. This technique has an excellent yield and produces a terpenic mix of high quality because the used temperatures are very low, but its costs are so high that it's never used. The analysis of this process gave the following results:
Extraction with supercritical CO2 98-100% 1,3% 100 kW 1h
Solvents and greases. This technique isn't well applicable to the citrus fruit pulp because it needs a great quantity of solvents and it presents costs and problems similar to the steam current extraction ones. Moreover this technique can present problems for the environmental management, the plants safety, etc..
The extraction process has been compared at lab level with the other thermal-mechanical processes actually on the market, through tests on citrus fruit pulp obtained by the squeezing of Citrus sinensis (containing the 0,4845% of tepenic mix in weight).
Solvent extraction 98-100% 1,0% 250 kW 4h
Uses.
The entire D–limonene world production is estimated to be 36.000 tons/year. Naturally not all the D–limonene is destined to the industrial use.
The terpen can be used to substitute the aromatic/chlorinates solvents used in the pickling sector and in the cleaning of electronic cards sector but also in the inches and pains for particular application.
A partner of the project Life Terpene "Master Green" created the following products based on terpen:
Wall paining and lime marmorine: it's used to paint the wall inside and outside. Is adapt to all kind of new plaster or ld ones already treated with lime. Without dilution to produce marmorine.
Glazed wax paste (neutral or colored): it's used for the treatment and maintenance of wood furniture and floors.
Wood fillers: it's used as protective stratum for surfaces that successively must be treated with wax.
Finishing liquid wax: for the finishing of wood, marble and terracotta tiles surfaces.
Protective oil (without desiccative agents): used for the treatment of wood and terracotta tiles floors, for kitchen surfaces subjected to solicitations. It's resistant to the use. The protective oil, even allowing the transpiration, has an excellent impermeability.
Wall paint with natural resin: it's a washable paint for the treatment of plasters new or old, for the cork panels, not treated wall paper, wood panels, laminated products, plasterboard.
Transparent lake for interior walls: finishing for interior parts (walls, doors, window frames) for all kinds of wood not subjected to solicitations. Regarding very adsorbent woods it's better to treat with impregnation agent.
Natural enamel for wood: it's used to cover all kind of wood and metal surfaces, for exterior and interior use.
Paint for interior and exterior walls: it's used for all kind of interior and exterior wood surfaces, even subjected to solicitation as parquet is. Usable on adsorbent woods preventively treated with impregnating agent.
Impregnating agent for interior and exterior parts (neutral or colored): it's used on all kinds of adsorbent woods.
Anti-rust: it's used to protect exterior metallic surfaces.
Consolidating agent for stone and friable surfaces: it's a consolidating and proofing agent, colorless, for the treatment of friable surfaces, stone, plasters scarcely consistency. It's used to isolate smoke spots.
Natural enamel for radiators: it's used to cover the radiators.

redpajama_set_name: RedPajamaCommonCrawl


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Professionals in environmental fields engage with complex problems that involve stakeholders with different values, different forms of knowledge, and contentious decisions. There is increasing recognition of the need to train graduate students in interdisciplinary environmental science programs (IESPs) in these issues, which we refer to as "social ethics." A literature review revealed topics and skills that should be included in such training, as well as potential challenges and barriers. From this review, we developed an online survey, which we administered to faculty from 81 United States colleges and universities offering IESPs (480 surveys were completed). Respondents overwhelmingly agreed that IESPs should address values in applying science to policy and management decisions. They also agreed that programs should engage students with issues related to norms of scientific practice. Agreement was slightly less strong that IESPs should train students in skills related to managing value conflicts among different stakeholders. The primary challenges to incorporating social ethics into the curriculum were related to the lack of materials and expertise for delivery, though challenges such as ethics being marginalized in relation to environmental science content were also prominent. Challenges related to students' interest in ethics were considered less problematic. Respondents believed that social ethics are most effectively delivered when incorporated into existing courses, and they preferred case studies or problem-based learning for delivery. Student competence is generally not assessed, and respondents recognized a need for both curricular materials and assessment tools.


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The UN assigns a special rapporteur to Khashoggi case
The list of Saudi-UAE atrocities that Washington deliberately ignores
US not united over Syria troop pullout – Erdogan
The murder that shook the world
What does US senate's vote on Yemen mean?
Azerbaijan evacuates embassy in Iran's capital after attack
Israeli violence escalates over the weekend
Former Israeli PM holds Ben-Gvir responsible for synagogue shooting
Pope condemns increasing 'death spiral' in Israel-Palestinian conflict
Nuclear deal parties approach Iran through Qatar to revive talks: Tehran
Saudi Arabia's efforts to restore its image in light of the Khashoggi killing has been dealt a blow after the UN decided to appoint an expert to investigate the murder of the Washington Post journalist.
Saudi Arabia admitted the Riyadh critic was killed at its consulate in Istanbul. Earlier, Riyadh had denied any knowledge of Khashoggi's fate, saying he left the building alive, a claim Turkey refuted from the outset. (Getty Images)
Agnes Callamard, United Nations special rapporteur, will make a visit to Turkey next week as part of her recently announced mandate to investigate the murder of Jamal Khashoggi in Istanbul.
Callamard on Thursday said, "I will be heading an independent international inquiry into the killing of Saudi journalist Mr Jamal Khashoggi ..." from January 28 to February 3.
Her findings and recommendations will be reported to the UN Human Rights Council in June 2019. The report will focus on the extent to which the Saudi state was responsible for the killing.
Her visit to Turkey marks the first official UN involvement in the case of Khashoggi, a well-known columnist at the Washington Post, killed and dismembered by Saudi agents at the Istanbul consulate on October 2 last year.
Earlier this week, Turkish Foreign Minister Mevlut Cavusoglu said it was time for an international investigation, citing Turkish President Erdogan's call for an international probe looking into the case.
Saudi Arabia attended this year's World Economic Forum in Davos in force in a bid to normalise its deteriorated relations, over the Khashoggi killing, with Western business.
The chief executive of the French oil company Total and the US investment bank Morgan Stanley met with Saudi ministers in a panel at Davos, Switzerland.
Both chief executives signaled their willingness to restore relations with the oil-rich kingdom. However, the UN expert visiting Turkey does not bode well for Saudi authorities seeking to repair their broken international image.
Saudi Arabia's lack of transparency
President Erdogan said before that the order for Khashoggi's killing came from the highest level of the Saudi government but probably not King Salman, putting the spotlight instead on Salman's heir and the de facto ruler, MBS.
However, Saudi Arabia has said the prince had no prior knowledge of the murder. After offering numerous contradictory explanations, Riyadh later said Khashoggi had been killed and his body dismembered when negotiations to persuade him to return to Saudi Arabia failed.
On December 5, 2018, A Turkish court issued arrest warrants for two former Saudi officials for the killing of journalist Jamal Khashoggi.
Saudi Arabia has arrested several individuals connected to the killing, however, it's refusing to extradite them to Turkey for trial.
"We don't extradite our citizens," Saudi Arabia's foreign minister, Adel al Jubeir, said after the Turkish demand.
Riyadh's reluctance to be transparent in sharing information with Ankara has raised suspicion of a cover-up.
Erdogan also said, "The Saudi prosecutor did not share any information or evidence with his Istanbul counterpart about the Jamal Khashoggi case because the perpetrator is obvious," on December 2018, while addressing the Organization of Islamic Cooperation(OIC).
The US Senate and CIA on the same page on Khashoggi killing
The CIA in November briefed the White House that Saudi Crown Prince Mohammed bin Salman ordered the killing of journalist Jamal Khashoggi
The CIA's finding, first reported by the Washington Post, is the most definitive US assessment to date tying Saudi Arabia's de facto ruler directly to the killing.
The US Senate also accepted the resolution on December 13 that holds Saudi Crown Prince Mohammed responsible for murdering Khashoggi.
"Unanimously, the United States Senate has said that Crown Prince Mohammed bin Salman is responsible for the murder of Jamal Khashoggi. That is a strong statement. I think it speaks to the values that we hold dear," said Republican Senator Bob Corker, chairman of the Foreign Relations Committee and sponsor of the resolution.
The UN Human Rights Office spokeswoman called for an independent investigation with international involvement in early January.
Turkish firm to develop 'critical' NATO intelligence software
Türkiye warns citizens of 'Islamophobic', 'racist' attacks in EU, US
Erdogan slams int'l media for 'sneaky' articles on Turkish elections
Far-right politician burns copies of Quran again in Denmark


Store First Burton on Trent is on Pride Park, across from the iPro Stadium, the home of Derby County Football Club. We share the entrance to Severn Trent, on Riverside Road and are just off the A52, meaning out self-storage centre couldn't be more easily accessible if we tried.
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An aerial overview of Store First Burton On Trent.


2019 – SATURDAY 30 MARCH WHEN DIFFERENT IS BETTER Thanks to @hartramsey for some of these original thoughts. As a Believer I can't: Endorse every opinion Laugh at every joke Live without boundaries Ignore every failure Participate in every event Subscribe to ungodly worldviews Holiness means different. I'm not better….


text:
class UserRoles < ActiveRecord::Migration[5.0]
  def up
    create_table :roles do |t|
      t.string :name
    end
    create_table :roles_users, id: false do |t|
      t.references :role
      t.references :user
    end
    add_index :roles_users, %i[role_id user_id]
    add_index :roles_users, %i[user_id role_id]
  end

  def down
    drop_table :roles_users
    drop_table :roles
  end
end

redpajama_set_name: RedPajamaGithub


text:
Engineered Products & Infrastructure
Health Care Payers, Providers & Services
Medical Devices & Technology
Principal Investors & Private Equity
Process Industries & Building Materials
Business and Organizational Purpose
Corporate Finance and Strategy
Digital, Technology, and Data
Related Expertise: Financial Institutions, Insurance, Business Strategy
Improve P&C Profitability and Premium Growth: Six Steps
January 09, 2014 By Tim Hoying, James Platt, Michael Bongartz, and Yasushi Sasaki
The global nonlife-insurance market is likely to remain challenging over the coming decade. Greater price sensitivity, a lack of differentiation among carriers, and record-low interest rates have constrained top-line growth for most insurers. The uncertain pricing environment has added to these woes, squeezing margins and contributing to low equity returns. On top of that, a spate of catastrophic events has elevated loss ratios in recent years.
With growth in developed markets expected to remain sluggish, some insurers have turned to rapidly developing economies (RDEs), but this approach has proved no panacea. Although RDEs post much higher growth rates—averaging 16.2 percent since 2003—strict regulations and strong domestic competition have made the barrier to entry both high and costly in favored destinations such as China and India.
Despite these challenges, property and casualty (P&C) insurers can carve out premium growth and greater profitability. But they need to have a clear strategy, and they need to take action now. In our view, P&C insurers that adopt all or most of the following six initiatives can lift return on equity by 4 to 8 percentage points by 2022.
Get out of the commodity business. P&C products have become commodity like, with low customer engagement and high price sensitivity. The opportunities for meaningful customer exchanges, the kind likely to inspire loyalty, are, in most cases, limited to low-frequency events such as when customers are shopping around for a new policy or they are renewing coverage. From the customer's perspective, claims and other activities that involve more interaction seem transactional, making for a relatively bland experience. That may explain why a recent survey conducted by The Boston Consulting Group shows that consumers are far less loyal to their P&C providers than to their other financial-services partners. For instance, consumers are about twice as likely to search for cheaper auto- and home-insurance options during the course of a year than they are to switch bank accounts or investment advisors.
To change that dynamic, P&C carriers could take a page from other, formerly commoditized, sectors. A few decades ago, for example, very little distinguished the coffee brands sold on store shelves or poured in the corner shop. Coffee was coffee, a commoditized product and the victim of price wars. Then, Starbucks entered the fray and changed the perceived value, sourcing high-quality coffees, implementing strict standards, and customizing both the product and the in-store experience. The results revitalized a once-stagnant market and allowed Starbucks to command a price premium three times that of its competitors.
Some insurers, such as State Farm Mutual Automobile Insurance and Admiral, have begun to experiment with similar approaches. State Farm has made the customer-agent relationship a key point of differentiation. The company has also launched a high-concept offering in Chicago in the form of the Next Door café—a no-pressure environment from which it dispenses free advice on insurance and other financial products. Admiral has found success by creating brands that target specific segments. Its Diamond brand, for instance, is directed at women and offers add-on coverage for such items as handbags and car seats, and its Bell brand focuses on the needs of young drivers, with offerings such as telemetry-based auto insurance. Such differentiation has helped both State Farm and Admiral outperform their peers.
Increase customer engagement through the agent channel. BCG survey data reveal a strong correlation between high agent interaction and high customer satisfaction. (See Exhibit 1.) This finding shows that it is especially problematic that most customers do not have regular contact with their insurance agent.
To improve the quality and frequency of agent-customer interaction, insurers should arm their agents with tools and resources that can help personalize their outreach. Those tools can include a breakdown of the most common customer needs and analytics that detail when to reach out to a customer and how to tailor the offering. Increasing the number of agent touch points also goes a long way. These touch points can range from relatively simple strategies, such as customized year-end reviews and satisfaction surveys, to more complex and innovative offerings, such as cafés and storefronts that add new sources of value.
BCG analysis shows that by improving the customer experience, an average-size U.S. insurer can improve gross written premium growth by as much as $75 million to $150 million per year.
Go direct with small commercial-enterprise customers. Insurers have the potential to take some of their small- and midsize-enterprise (SME) business direct—an approach that could shave costs, broaden the customer base, and create more opportunities for customer engagement. Furthermore, it's a move that SME customers seem willing to embrace. A recent BCG study found that, depending on their location, 20 to 30 percent of SMEs would consider buying directly from their commercial insurer.
Tapping into this market, however, will require changes to the existing direct-to-consumer sales model. Although small commercial-auto policies, for instance, are similar to standard personal-auto policies and include many common prepackaged coverage options, SME customers have more complex requirements and need more assistance in selecting the appropriate coverage level. For the direct-to-SME model to work, therefore, carriers will need to supplement the approach with dedicated advisors. To avoid channel conflicts, carriers will need to sell through a different brand in markets where they already have agent distribution. Those factors notwithstanding, going direct has the potential to be a far more cost-effective distribution model than selling through brokers and agents. And from the customer's point of view, the direct model can, in many cases, be much faster as well. We have seen application-to-bind cycle times that once lasted a week being reduced to less than a day.
Some insurers have already begun to test the waters. We anticipate that others will follow and that the direct commercial SME market could reach $25 billion by 2022.
Make smarter RDE bets. Not all RDE opportunities are created equal. Although many see China as the first port of call for multinationals seeking to gain a toehold in Asia and other high-growth markets, extensive regulation, strong domestic competition, a complex local-distribution structure, and the need for on-the-ground expertise can dampen the cost benefit and make it hard for multinationals to gain traction. In fact, China, India, Russia, and Thailand have proved less favorable markets for insurers to enter because of restrictive regulations, challenging combined ratios, and entrenched domestic players.
But opportunities remain in underpenetrated RDEs. Of these, Brazil, Mexico, Turkey, and Malaysia are especially attractive: they offer less regulation, fewer restrictions on foreign ownership, previous multinational success, and high premium and profit potential. We expect RDEs to add more than $400 billion in incremental premium revenues through 2020, with these four countries contributing nearly one-quarter of that total. By factoring in all the soft and hard costs, P&C insurers can determine which locations offer the greatest ROI potential.
Use analytics to drive down loss ratios and improve pricing advantage. Global loss ratios have inched up more than 2 percent over the past 15 years, a period that also saw an explosion in data analytics capabilities and raw computing horsepower—precisely the sorts of tools that can help insurers improve their ability to calibrate pricing, underwrite, and detect fraud. Nonetheless, insurers have been slow to adapt to these technologies, owing in part to a lingering misperception that low loss ratios come at the expense of growth. Our research, however, shows little to no correlation between loss ratios and growth performance in either the auto or personal sector, suggesting that customers don't think that quality and service have suffered as a result of loss ratio improvements. (See Exhibit 2.)
To bring their loss ratios down, market leaders are applying big-data analytics to do everything from targeting low-risk customers to developing highly granular pricing schemes and more intensely data-driven underwriting. Using analytics in this way can help insurers sustain their loss-ratio improvements despite changing market conditions.
Downsize operating and claims costs to stay ahead of the accelerating cost curve. Expense ratios in developed countries are on a downward trend. BCG expects the global average to fall to 20 to 25 percent in developed markets over the next decade, driven by, for example, technology improvements and consolidation. That reduction represents a 300- to 500-basis-point improvement for the average insurer. That high bar (the equivalent of roughly $450 million for an average-size insurer) means that laggards will find themselves at a competitive disadvantage.
To keep up with the field, insurers should focus on scale and efficiency—the characteristics that define all top cost performers in the P&C sector. The cost-lowering initiatives that offer the greatest ROI potential include modernizing policy administration and claims systems and standardizing operating procedures with specialized roles for complex tasks. Insurers should also consider establishing shared-services centers for standard operations such as underwriting, claims, and policy administration, and they should look for opportunities to improve active-claim management.
Some of these changes don't require massive investments. A number of insurers have centralized their support functions without adding to their expense base simply by streamlining processes and making better use of existing systems. Because efficiency solutions cut across functions, however, putting these solutions in place has as much to do with organizational behavior as with technology. In light of that, insurers need to align key performance indicators with incentive systems to drive companywide improvements and put more focus on executing the changes required.
Although the global P&C market will continue to exert pressure on margins, the six initiatives presented here could, by 2022, be worth $250 million to $575 million in underwriting profits for the average top-20 insurer. Moreover, they lay the foundation for a more sustainable business model.
Yasushi Sasaki
About Boston Consulting Group
Boston Consulting Group partners with leaders in business and society to tackle their most important challenges and capture their greatest opportunities. BCG was the pioneer in business strategy when it was founded in 1963. Today, we help clients with total transformation—inspiring complex change, enabling organizations to grow, building competitive advantage, and driving bottom-line impact.
To succeed, organizations must blend digital and human capabilities. Our diverse, global teams bring deep industry and functional expertise and a range of perspectives to spark change. BCG delivers solutions through leading-edge management consulting along with technology and design, corporate and digital ventures—and business purpose. We work in a uniquely collaborative model across the firm and throughout all levels of the client organization, generating results that allow our clients to thrive.
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text:
Some guy Hired A Drag Queen on Cameo to Break Up With Their BF
A "RuPaul's Drag Race" Contestant Was made to finish a Relationship
Cameo, a video solution which allows typical folks to request individualized shoutouts from a-listers (for an expense, without a doubt), was simply useful many savage explanation possible.
Monet X Change, winner of "RuPaul's Drag Race: all-stars 4," recently tossed a video clip up on Twitter that showcased the woman pull brother, Bob the Drag Queen. Regrettably, Bob was not carrying out at a recent tv show or undertaking stand-up, nor was just about it a recap of Bob's journey on the "Drag Race" crown. Instead, she was sitting, assigned with delivering a cold-hearted break-up information to some body whoever sweetheart believed it was the best way to break the headlines that their unique relationship had been over.
The :53 moments of footage begins with Bob searching as sickening as always, although demonstrably reluctant to kick circumstances down. "Hi Quentin, its me, Bob the Drag Queen from 'RuPaul's Drag Race' season 8," she begins. "What I'm planning to tell you is actually a little bit uneasy. But Raphael is like your own relationship just isn't doing exercises and this is maybe not bull crap, referring to very serious."
Bob goes on on, speaking on the melancholy background music to express she was actually selected for this because she is Quentin's "favorite drag queen," and therefore because it's coming from this lady, it can "soften the hit."
"i really want you to find out that among my favorite rates is actually through the musical, 'The Color imperial,' therefore says, 'i really believe We have inside myself every thing it takes to reside a bountiful existence,'" she goes on. "So Raphael, it feels like this can be time you'll choose to reflect on yourself, and that information features helped me personally a great deal prior to now. I hope this information discovers you well."
There is no revealing if video clip is actually genuine, but it's nevertheless managed to garner a whole bunch of reviews and retweets from visitors who were just as shook as Quentin most likely had been.
Actually Brooke Lynn Hytes, a contestant on present period of "Drag Race," believed inclined to chime in with an exceptionally suitable "Oooooooooomg," and now we're positive she will not be really the only king supply their own two cents on this subject cruel video.
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Join us in Vancouver on November 11, 2016 for Let Peace Be Their Memorial: Mourning less-recognized victims of war. A solemn ceremony in which wreaths are laid to commemorate civilian victims of war and conflict.
This event is being co-hosted by Vancouver Peace Poppies and the BC Humanist Association and will take place at the south plaza of Seaforth Peace Park. The ceremony will run from 2:30 PM to 3:45 PM.
The program will start with peace songs and two or three brief presentations followed by the placing of wreaths.
Following this there will be an opportunity for individuals and groups to lay their own wreaths commemorating victims of particular conflicts or conflict-related incidents, or the efforts of particular peace groups or individual activists. Please contact us in advance if you would like to lay a wreath.
Closing remarks and participatory singing will conclude this special event.
Note that the proposed time and location have been chosen to minimize any appearance of competition with, or disrespect for, veteran-focused events.
Volunteers: Please let us know if you're able to volunteer.


text:
Q: The program stops working when I'm trying to load data from a file First of all, i just want to make sure you know I'm still studying the language C.
I'm trying to create a program that manages data from a file, but I'm failing at retrieving data from it. Perhaps my logic is incorrect, or perhaps I'm not using the functions correctly.
-The program is not fully implemented
-The error occurs ( the program stops ) when the user inserts '2'.
#include <stdio.h>
#include <stdlib.h>
#include <string.h>

#define FICH "dados.bin"

typedef struct data
{
    char first_name[15+1];
    char last_name[15+1];
    short int age;
    int phone_number;
    int ID_number;
} DADOS;

char *Main_menu[] = {       //MAIN MENU
    "1. Insert Data",
    "2. Change Data",
    "3. Delete Data",
    "4. List Data",
    "5. Search",
    "0. Leave",
    NULL
    };

    char *Sub_menu[] = {                    //Secundary menu
    "1. Search by age",
    "2. Search by name",
    "0. Back",
    NULL
    };

FILE *fp;       //FILE POINTER

/***********************************************************/
/*Opens the file, or creates it                            */
/*                                                         */
/***********************************************************/
void inic ()
{
    fp = fopen(FICH, "r+b");
    if (fp == NULL)
    {
        fp = fopen (FICH, "w+b");
        if( fp == NULL)
        {
            fprintf(stderr, "\nCould not create the file!\n\n");
            exit(1);
        }
    }
}

/********************************************/
/*Shows the main table and the secundary one*/
/********************************************/
void Display_table(int x)
{
    int i;
    if (x == 1)
    {
        for (i=0; i<6; i++)
            printf("%s\n", Main_menu[i]);
    }
    else
        for (i=0; i<3; i++)
            printf("%s\n", Sub_menu[i]);
}

/******************************************************/
/*Display, and insertion of the data                  */
/******************************************************/

void Insert_reg ()
{
    DADOS user1;
    printf("\nFirst name: ");
       scanf("%s", &user1.first_name);
            fwrite(user1.first_name, sizeof(user1), 15+1, fp);
    printf("\nLast name: ");
        scanf("%s", &user1.last_name);
            fwrite(user1.last_name, sizeof(user1), 15+1, fp);

    fflush(stdin);

    printf("\nAge: ");
        scanf("%sd", &user1.age);
            fwrite(&user1.age, sizeof(user1), 3, fp);

    printf("\nPhone number: ");
        scanf("%d", &user1.phone_number);
            fwrite(&user1.phone_number, sizeof(user1), 1, fp);

    printf("\nID number: ");
        scanf("%d", &user1.ID_number);
            fwrite(&user1.ID_number, sizeof(user1), 1, fp);
}

/**************************************************************/
/*Loads the binary file and saves it on the structure         */
/**************************************************************/

void load_reg()
{
    DADOS user1;
    fread(&user1.first_name, sizeof(user1), 15+1, fp);
    fread(&user1.last_name, sizeof(user1), 15+1, fp);
    fread(&user1.age, sizeof(user1), 1, fp);
    fread(&user1.phone_number, sizeof(user1), 1, fp);
    fread(&user1.ID_number, sizeof(user1), 1, fp);
}

void show_reg()
{
    DADOS user1;
    printf("\nName: %s %s\n", user1.first_name, user1.last_name);
    printf("Age: %d\n", user1.age);
    printf("Phone number: %d\n", user1.phone_number);
    printf("ID number: %d\n", user1.ID_number);

}
/*************/
/*FUNÇÃO MAIN*/
/*************/

int main (void)
{
    short Menu_num;
    inic();
    Display_table(1);       //Main table
    scanf("%d", &Menu_num);

    while (Menu_num < 0 || Menu_num >5)
        printf("\nInsert a valid menu!\n");

    switch (Menu_num)
    {
        case 1: Insert_reg (); break;
        case 2: load_reg(); show_reg();
    }

}

A: fread is badly used. The second parameter should be the size of the data pointed by the first parameter. The third should be the number of datum you want to read, so your call should looks like : fread(&user1.first_name,sizeof(user1.first_name),1,fp);.
All could have been read by a single call : fread(&user1,sizeof(user1),1,fp);.
Are you sure your data are in binary form in the file ?
show_reg() can't display the data you read, as the user1 structure is declared locally to the function. Beware that local variables are not initialized, so they are random filled with garbage.
Declare user1 in the main and modify show_reg and load_reg so that they could be called as : load_reg(&user1) and show_reg(&user1) (transmit it as parameter to the functions).

redpajama_set_name: RedPajamaStackExchange


This ground-breaking discovery, recently published in the journal Diabetes, could lead to new treatments for this devastating disease.
The protein apelin is known to protect against diabetes by decreasing blood glucose levels and improving insulin sensitivity, but the underlying molecular.
Scientists say a protein which is already naturally produced in the body could have a significant impact on the treatment of type 2 diabetes.
The history of scientific discovery is dotted.
that could lead to new treatments for diabetes. Dr. Fraser Scott, a senior scientist at The Ottawa Hospital and professor at uOttawa, was investigating a bacteria-killing protein called cathelicidin.
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Scientists have discovered that one of the most diabolical proteins implicated in diabetes not only kills insulin-producing cells through one.
A new study shows how a protein called ARF6 is involved in the development of diabetic retinopathy, and that inhibiting it may lead to new.
A particular protein that affects the healing of foot and lower leg wounds in people with diabetes has been identified by US researchers.
The new study has uncovered the role that ARF6 plays in the control of vascular endothelial growth factor (VEGF), a signaling protein that plays a key role in the development of diabetic retinopathy. There is a treatment for diabetic eye disease in which patients receive a monthly injection of anti-VEGF drugs directly into the eye.
New discovery could improve depression treatments in type 1 diabetes – A new discovery could lead to the creation of better treatments for people with.
The protein TXNIP, short for thioredoxin-interacting protein, is involved in both type 1 and type 2 diabetes. Dr. Anath Shalev, director of the UAB Comprehensive Diabetes Center and senior author on the new paper, discovered nearly a decade ago that TXNIP is activated by sugars and kills beta cells.
New research reveals several routes to target a protein called TXNIP — which is involved in both type 1 and type 2 diabetes — with drugs.
Scientists have discovered that one of the most diabolical proteins implicated in diabetes not only kills insulin-producing cells through one mechanism, but also damages the cells it doesn't kill through a second, novel mechanism. Reigning.
Aug 26, 2013 · The protein TXNIP, short for thioredoxin-interacting protein, is involved in both type 1 and type 2 diabetes. Dr. Anath Shalev, director of the UAB Comprehensive Diabetes Center and senior author on the new paper, discovered nearly a decade ago that TXNIP is activated by sugars and kills beta cells.
Scientists have discovered that one of the most diabolical proteins implicated in diabetes.
Protein pathway points to possible treatment.
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Aug 25, 2013 · Scientists have discovered that one of the most diabolical proteins implicated in diabetes.


Located in Jupiter, FL, Barcelona is a luxury community featuring an array of amenities. Watch your favorite sports team on one of 10 TVs in the club room, or get tan by the beach entry pool. Take a jog on the fitness path, or get Zen in the yoga studio. Make sure to check out Jupiter's pristine beaches, golf courses, & events!


text:
Home Worship & Creative Leaders Articles for Worship & Creative 'I Still Believe' Brings You the Incredible Love Story Behind Jeremy Camp's...
'I Still Believe' Brings You the Incredible Love Story Behind Jeremy Camp's Hit Song
Bri Lamm
Jeremy Camp may be one of the most household names of all time. He's been topping billboards in the Christian sphere since the early millennium. His nine studio albums have sold over 4.5 million copies, and he's still releasing new music today.
His success as a Christian artist started young, right out of college. It was during that time when Jeremy also met his wife, Melissa.
Their love story is one that only God could write, and on March 13th, it's coming to a theater near you.
I Still Believe tells the real life love story of Jeremy Camp, (played by KJ Apa), and Melissa Henning, (played by Britt Robertson).
A budding musician, Jeremy was leading worship one night at an outdoor small group when he looked out into the crowd and saw Melissa with her hands raised, worshiping the Lord.
"I remember thinking, 'wow, she loves Jesus,'" Jeremy said in an interview of the night he met Melissa. "This girl's special," he added.
The two began dating, and like many young relationships do, they hit a rough patch early on and called it quits.
But everything changed when Jeremy received a phone call one night, telling him Melissa had been diagnosed with ovarian cancer. He dropped everything and drove from his hometown of Lafayette, Indiana, where he was home visiting, to California to go visit her.
When he walked in the room, Melissa's face lit up with a smile. She was at total peace with her diagnosis, and proceeded to tell Jeremy that if she dies and just one person gives their life to Jesus from her having cancer, it would all be worth it.
Through prayer and obedience to the Lord, Jeremy and Melissa got engaged and walked an incredible journey of faith together. They saw God heal Melissa in ways that no doctor could have ever seen coming, and they got married shortly after her cancer appeared to be in remission.
On their honeymoon, Jeremy wrote the hit single, "Walk by Faith," before their trip got cut short due to Melissa's cancer returning with a vengeance.
They worshipped the Lord and walked through fire together as they once again faced her cancer head-on with faith.
I won't spoil the movie for you, but Jeremy's hit song "I Still Believe" came out of a desperate cry to the Lord in 2001.
"Although I wrote the song 'I Still Believe' in 15 minutes, it's something I feel I've been writing my whole life," Jeremy says. "It's surreal to have the perfect people come together so I can share my story of hope in the midst of pain. I hope you'll be encouraged."
For the last two decades, Jeremy and Melissa's remarkable journey of love and loss has proven that there is always hope in the midst of tragedy, and that faith tested is a faith worth sharing.
Melissa's faith and her battle with cancer didn't lead to just one person giving their life to Christ, it led to hundreds of thousands of lives and eternities being changed for God's glory.
Jeremy still shares their story today because it's a tangible example of God's incredible faithfulness and redemption — even when we can't see what He's doing.
"I still believe in Your faithfulness
I still believe in Your truth
I still believe in Your holy word
Even when I don't see, I still believe"
I hope when you go see I Still Believe on March 13th, you'll be reminded of God's faithfulness in your own life. I pray that Melissa's unwavering faith and confidence in the Lord inspires your soul and reignites any dry bones within you to be on fire for the Lord, even when you can't see what He's doing.
And I hope you see the beauty and redemption that only God can bring from hard, painful, and unfathomable circumstances.
Grab your tickets and your kleenex, and catch I Still Believe in theaters this Friday.
Previous articleRavi Zacharias Has Rare Form of Cancer
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Bri is an outgoing introvert with a heart that beats for adventure. She lives to serve the Lord, experience the world, and eat macaroni and cheese in between capturing life's greatest moments on one of her favorite cameras.
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that vacation rentals aren't consistently regulated by the city of Los Angeles, that they're technically prohibited in neighborhoods zoned for single-family houses and duplexes, that the city attempts.
Temporary rent. Los Angeles County Board of Supervisors voted 4 to 1 on Tuesday to extend—and expand—an ordinance that.
Emily Ratajkowski flashed her toned tummy on Thursday in a crop top after leaving the NYC apartment she shares with her.
If you're thinking of listing your home as a vacation rental, have a listen to what travelers say. sled or fully loaded.
According to rental. median for Los Angeles as a whole. But how does the low-end pricing on a Wilshire Center rental look.
The rest of the top 10 rent averages are in Los Angeles County: Pasadena, ranked seventh at $2,527 per month, followed by.
Last year Forbes published an article to help people make the tough decision of whether or not to relocate. The original piece asked some really important questions, and we would like to answer a few to help you decide whether or not you should move to Los Angeles.
Apr 10, 2019 – Rent from people in Los Angeles, CA from $20/night. Find unique places to stay with local hosts in 191 countries. Belong anywhere with Airbnb.
Vacation rentals. I have next door to me such a rental for almost. Does anyone in their right mind think that $15/hour in.
Search for Los Angeles luxury homes with the Sotheby's International Realty network, your premier resource for Los Angeles homes. We have 93 luxury homes for sale in Los Angeles, and 3,174 homes in all of California.
"This is, by far, the nicest place I have ever lived," she said. Rent is $2,000 a month, which she splits with her partner. Los Angeles is expensive, but it's still cheaper than San Francisco.
1,737,343 vacation rentals to book online direct from owner in , Vacation rentals available for short and long term stay on HomeAway, the world's largest vacation rental network. Secure online payment. 24/7 Customer Service.
Tenants in Los Angeles and Orange counties were hit with the. No matter the data, however, local renters have suffered from significant rent hikes in recent years. Why? Apartment supply hasn't kept.
compared to a $2,048 one-bedroom median for Los Angeles as a whole. A look at local listings for studios and one-bedroom.
So what does the low-end rent on. one-bedroom apartments in Mid-City via rental site Zumper to find out what.
So what does the low-end rent. one-bedroom apartments in Beverly Grove via rental site Zumper to find out what.
According to the rental site Zumper, median rents for a one bedroom in Canoga Park are hovering around $1,650, compared to a.
Jan 17, 2015 · Solair was built to entice even the most picky High End Condo enthusiasts. Staff that are highly and specially trained to take care of high class clientele are at your beck and call, and it's all part of the living experience when you live at the Solair Luxury Condos in Los Angeles, CA.
History. Legacies. Traditions. There are few places in this city that house these attributes so elegantly. This unique community honors the past with a reverence for its classic architecture, while blending a rich list of amenities, current features, and breathtaking views. Our floor plans consist of studio, one, two, and three bedroom apartments for rent in Los Angeles.
How could San Francisco's rental market be "affordable" in a national study that scores Los Angeles rather poorly? Data crunchers at apartment tracker RentCafe tried to measure the cost of renting a.
Curious just how far your dollar goes in Los Angeles? We've rounded up the latest rental offerings via rental site Zumper to.
Curious just how far your dollar goes in Los Angeles? We've rounded up the latest rental offerings via rental.


Does pregnancy cause yeast infection? What kind of medicine is safe to take during pregnancy to help with yeast infection?
Can a yeast infection give any effects during my pregnancy?
Can a thrush yeast infection hurt my baby if not treated?
Is it safe to use coconut oil to cure my yeast infection? I'm 11 weeks pregnant! And can a yeast infection harm my baby?
Hi I'm 28 weeks pregnant and didn't realise I could not take the canesten oral tablet for thrush, will there be any harm done to the baby?
Can yeast infection medicine make you spot.
Can a yeast infection harm baby and i'm only 8 weeks can I take diflican or other pills for it?
What affects can yeast infection creams have on pregnancy?
What medication can I take during pregnancy to help reduce recurrent vaginal yeast infections?
Safe creams to use to cure yeast infection while pregnant! Anything natural? I'm 34 weeks pregnant! & I got too scared to take the pill.
What OTC medication can I use to cure a yeast infection while pregnant?
I'm 26 weeks pregnant & have taken 8 diflucan (fluconazole) pills for yeast infections during my pregnancy by my ob. Didn't know it was category c! have i hurt baby?!
Can there be anything thats doctor recommended for pregnant women when we get yeast infections?
What can untreated BV do to baby 31weeks pregnant? Prescribed Flagyl but hesitant to take, can I cure naturally and still have a vaginal delivery?
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Cannot take oral difulcan due to side effects. Prescription terazol (terconazole) 7 cream is irritating me badly.What else is there i can take for yeast infection?
Do homeopathic yeast infection pills have yeast in them?
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When you are part of a conference call, how many employees in the room have you seen immediately place their phones on silent or vibrate? With their phones on silent or vibrate, do you see any of them paying more attention to their phones than they do the actual conference call?
As everyone else is focusing on the meetings and the projects, some of your employees are half-listening to what is happening in the room. The half-listening and the absent-mindedness are not the only issues that take place in conference calls; there are several other blunders that take place during conference calls that can definitely frustrate employees and other members of the conference call.
When there is no agenda in place, you can risk sending all members of the conference call "into the jungle" without any type of related purpose. While being spontaneous and exuberant can work in a variety of settings, especially during the deliberating and the analyzing page. However, when it comes to conference calls, everyone should know exactly what the conference call is about and what the conference call seeks to accomplish. Set an agenda before the meeting begins (preferably within the original invite) and reiterate it at the beginning.
How many times have you been part of a conference call where someone was interrupted, whether it is intentional or unintentional? Many people have been interrupted by someone who talks over them to refute a point they just made. When the interruption is done on purpose, it can create awkward silence, an argument, or a strong tension among everyone in the room. Sometimes the conversation can take a completely different turn and become very unprofessional. Work hard to encourage an atmosphere where everyone can feel comfortable speaking and contributing to the agenda. That is the point, after all.
When there are members of the conference call who are not physically in the room, it can be very easy for someone to stop participating. You have likely been part of a conference call when you have asked a question and no response was given. Everyone remains quiet hoping that the person next to them will say something so they won't have to. When a conference call becomes very quiet, this can usually mean that everyone was not prepared for the conference call. Sometimes there are so many quiet moments in a conference call because the schedule or agenda was not handed out. The meeting organizer should have a plan in place to both keep the meeting on track and move forward the agenda, rather than let it lapse into silence.
If everyone has been working together for years or months, is there really a need for long introductions every time a conference call takes place? It is understandable when new members need to be introduced, but is it necessary for everyone to be introduced during every call? There is nothing wrong with pleasantries, but sometimes everyone just wants to get straight to the point of the conference call and begin working. Make sure the precious time at the beginning of the meeting is adequately meted out for pleasantries, then get down to work quickly.
Don't you find it frustrating and annoying when a member of the conference call begins making distracting noises in the background? We understand a conference call can be taken in any location, but it is important that everyone is mindful and respectful of everyone else and their time. It can also be distracting when someone joins the call after it has already been in session for a few minutes. When someone is running late for the conference call, people will only be patient for so long before they decide to begin the meeting. Be sure to eliminate loud noises in your area before a meeting and prepare to begin early; encourage others to follow these tips as well so valuable time is used effectively.
These are several common conference call blunders that can be avoided, and web conferencing can help reinforce these suggestions. Web conferencing provides a variety of tools that will make the meetings more captivating and collaborative. With video screens, screen sharing, file uploading, etc., everyone will be able to identify who is actually participating and sharing ideas. Zoom Conferencing and Skype for Business are two such tools that can increase your productivity and ROI during important calls.


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M.Sc Nursing Jobs
INDIRA GANDHI NATIONAL OPEN UNIVERSITY MAIDAN GARHI, NEW DELHI- 110068
Invites applications for the post of Associate Professor For Discipline of Nursing in School of Health Sciences
Associate Professor( Nursing)
No.of Vacancies:
Level 14 of 7th Central Pay Commission 1,44,200 - 2,18,200/-
Educational Qualifications: i) A Master's degree in Nursing with at least 55% marks (or an equivalent grade in a point-scale, wherever the grading system is followed). ii) A minimum of 10 years of teaching experience after M.Sc. Nursing in a College of Nursing/ University in an academic/research position equivalent to that of Assistant Professor. Desirable: Independent published work of high standard/ doctorate degree/ M.Phil.
OTHER CONDITIONS 1. Not withstanding anything contained in this advertisement, the Minimum eligibility conditions including educational qualifications shall be as per University Grants Commission Regulations on Minimum Qualifications for Appointment of Teachers and Other Academic Staff in Universities and Colleges and Other Measures for the maintenance of Standards in Higher Education, 2018 (hereinafter referred as UGC Regulations 2018). In addition, as per requirement of the post, norms of concerned Regulatory bodies like NCTE, MCI etc. shall also be considered. 2. The direct recruitment to the posts of Associate Professors in the University shall be on the basis of merit through all India advertisement and selection by the duly constituted Selection Committees as per IGNOU Act and Statutes read with UGC Regulations 2018. 3. A minimum of 55% marks (or otherwise specified) (or an equivalent grade in a point-scale, wherever the grading system is followed) at the Master's level shall be the essential qualification for direct recruitment of Teachers and other equivalent cadres at any level.4. A relaxation of 5% marks shall be provided (from 55% to 50%) at the Bachelor's as well as at the
Master's level for the candidates belonging to Scheduled Caste/Scheduled Tribe/Other Backward Classes (OBC) (non-creamy layer)/ Differently Abled [Persons with Benchmark Disability PwBD)] in the respective category of PwBD advertised. The eligibility of 55% marks (or an equivalent grade in a point scale wherever the grading system is followed), wherever specified, and the relaxation of 5% to the categories mentioned above are permissible, based only on the qualifying marks without including any grace mark procedure. 5. Only persons having 40% or above disability are eligible to apply against the posts reserved for Persons with Benchmark Disabilities. They will be required to append Medical Certificate with the application, as a proof to this effect in the form of a valid Disability Certificate issued by the Competent Authority of the Government. 6. A relevant grade which is regarded as equivalent of 55%, wherever the grading system is followed by a recognized University, at the Master's level shall also be considered eligible. 7. The reservation for applicants from SC, ST, EWS,OBC (non-creamy layer), and Persons with Benchmark Disability (PwBD) categories will be applicable as per UGC/Central Government norms. Applicants seeking reservation benefits available for SC/ST/OBC/EWS/PwBD categories must upload the necessary documents justifying the claim of respective reservation as per Govt. of India lists/rules/norms. The certificate uploaded should be in the format prescribed by the Union Government and should be digitally verifiable. Applicants applying for the post(s) reserved for OBC must upload certificate of OBC (non- creamy layer) in the prescribed form issued by Competent Authority. The certificate should be of the current financial year, in accordance with instructions issued by the Union Government in this respect from time to time. Applicants should ascertain that they belong to the reserved categories (caste) enlisted in the Central List for the Other Backward Classes. If the relevant certificates for respective reserved categories are not uploaded with the application, the application may be rejected and no appeal will be entertained in this regard. 8. The applicants belonging to OBC category (creamy layer) will be treated under un-reserved category and hence they should submit their applications against unreserved posts only. 9. The time taken by candidates to acquire M.Phil. and/or Ph.D. Degree shall not be considered as teaching/research experience to be claimed for appointment to the teaching positions. Further the period of active service spent on pursuing research degree simultaneously with teaching assignment without taking any kind of leave, shall be counted as teaching experience for the purpose of direct recruitment/promotion. 10. The Ph.D. Degree shall be a mandatory qualification for appointment to the post of Associate Professor. 11. Since the applications received will be screened and shortlisted, merely possessing the prescribed qualifications and requisite experience would not entitle a person to be called for interview. The number of candidates to be called for interview for the teaching posts in the University shall be as determined by the University. 12. For those entering the service in the University, other stipulations prescribed by the UGC/University Page 5 of 11 shall be mandatory for all posts. 13. The cut off date for determining the eligibility conditions will be the last date of submission of application through online. P
The online portal will be open from 30.09.2019. The last date for submission of online application is 31.10.2019 or 30 days from the date of publication of advertisement in the Employment News, whichever is later. The last date for receipt of hard copy of filled in application submitted online is 05.11.2019 or 5 days after the closing date of submission of Online application. The hard copy of the printout of application submitted online alongwith self-attested copies of necessary certificates/documents should reach the Director, Academic Coordination Division, Indira Gandhi National Open University, Maidan Garhi, New Delhi- 110068 through registered/speed post within time.
Opening date for submission of online applications 30/10/2019
For more details click here or visit https://ignourec.samarth.edu.in
CLICK HERE FOR 4156+ STAFF NURSES VACANCY DETAILS
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Associate Professor Delhi M.Sc. Nurse


text:
Toone est une municipalité américaine située dans le comté de Hardeman au Tennessee.

Selon le recensement de 2010, Toone compte . La municipalité s'étend sur .

Autrefois habitée par les Chicachas, la localité voit arriver ses premiers colons européens au milieu du . Elle se développe particulièrement à partir de 1856, avec l'arrivée de l'Illinois Central Railroad. Elle est nommée en l'honneur de James Toone, qui y possédait un commerce et a participé à la construction du chemin de fer.

Notes et références

Municipalité au Tennessee
Localité dans le comté de Hardeman (Tennessee)

redpajama_set_name: RedPajamaWikipedia


Testimonial from Saul School August 10, 2016.
Thank you Ruth! It was really amazing to see the positive effect the practice has on our students. You clearly have a gift for teaching teens, it is not an easy thing to do. I will definitely be in touch in the fall.
Ruth Hoskins, Ph.D., H.H.S., LCSW, yoga instructor teaches gentle Hatha Yoga.
Hatha Yoga helps with posture, joint flexibility, muscle stretch, tone, and strength. It improves physical balance and coordination and helps regulate the nervous system.
Practiced regularly, Hatha yoga helps with cardiac fitness and circulation.
Along with the postures, systematic relaxation and meditation improve concentration and allows the body to rest back to its natural restorative state.
Systematic Relaxation increases the quality of the breath, reduces muscular tension and increases energy.


The Royal Mint recognized PAMP SA for outstanding achievement during its 2014 Annual Supplier Awards.
Held on the evening of October 9th, this year's event featured 10 awards that were given to highlight exceptional achievement amongst The Royal Mint's more than 1000 suppliers. PAMP was awarded the Supplier Achievement Award in recognition of the company's recent SA8000 certification. This past year, PAMP became the first precious metals refinery in the world to obtain the SA8000 certification, which sets an international standard for ethically correct conduct towards workers.
Since 2011, The Royal Mint has held the Annual Supplier Awards to celebrate excellence in supplier contribution. The event highlights the involvement of individuals and companies from across the globe in The Royal Mint's 'Working Together Supplier Development Programme', which 'aims to develop strong and sustainable relationships and a robust supply chain infrastructure'.
For more information on PAMP's SA8000 Certification, please click here.
From left to right: Nadia Haroun, Vice-president at PAMP SA. Adam Lawrence, CEO at The Royal Mint. Mehdi Barkhordar, Managing Director at PAMP SA. David Bowles, Director of Supply Chain at The Royal Mint.


text:
photo Günter Horn
Bishop / Muche / Müller
Jeb Bishop – trombone
Matthias Muche – trombone
This trio of trombonists Jeb Bishop, Matthias Müller und Matthias Muche plays music that ranges from sound-sculpture noise drones to walls-of-Jericho-collapsing blasts to delicate webs of air and tone, resonating overtones with layered articulations. Pushing the acoustic properties of the instrument and the physicality of the players to their limits and beyond, the musicians put their archaic contraption through the bone mill, pulverizing it, sublimating it, and breathing new life into it, all in the spirit of Vinko Globokar's remark that a musical instrument is not a sacrosanct object, but merely an extension of the body.
Not Two Records
The music presented here was originally supposed to have been a quartet concert, including Johannes ("Hannes") Bauer in addition to the three of us. Matthias Muche and Jeb Bishop had played together some months before in the Spinifex Maximus project, and Matthias Müller and Jeb had met a few years previously when Jeb was in Berlin for a visit. Muche and Müller had an existing duo, "MM2 Session", and the idea was to add the "JB2" duo of Hannes and Jeb to make a quartet, "MM2 + JB2".
When we planned the concert, we knew already that Hannes's health was declining, but we were all hopeful that it could happen nonetheless. Sadly, not long beforehand he let us know that he would not be able to be a part of this performance.
As it turned out, the day of his passing, May 6th, 2016, was the date of the concert. So, of course, we dedicated the concert that evening to him, his memory, and his music.
And this recording of that performance is thus also dedicated to the memory of our colleague and friend, Johannes Bauer, a great trombonist and one of the most distinctive voices in improvised music.
— Matthias Muche / Matthias Müller / Jeb Bishop
Bone Crusher Tour 2019
23.08. BE-Antwerp, Summer Bummer Festival
30.08. FR-Mulhouse, Météo Festival
31.08. NL-Groningen, Zomer Jazz Fiets Tour
01.09. NL-Amsterdam, tbc
03.09. DE-Troisdorf, Kunsthaus
04.09. NO-Trondheim, Fri Form
05.09. SI-Ljubljana, Klub Gromka
11.09. SW-Gothenburg, Brötz
12.09. SW-Halmstad
13.09. DE-Berlin, Jazzkeller69/Aufsturz
14.09. DE-Bochum, Museum


text:
Q: Count number of occurrence of words in cell array of cell arrays and display the words in Matlab I have a first loop that stores in b the recalled words (meaning the words that correspond to a 1 in SUBJ.RECALL).
b=[];
for s=1:length(SUBJ)
for r=1:length(SUBJ(s).RECALL)
   words=SUBJ(s).WORDS{r};
 if max(SUBJ(s).RECALL{r}==1)
   b{s}{r}=(words(find(SUBJ(s).RECALL{r})));
 end
end
end

b{s}{r} displays the content of the last subject. b refers to all subjects and  is a 1x7 cell storing six 1x3 cells and one 1x2 cell. I would like to count the occurrence of the words contained in b and,if possible, also have the words displayed corresponding to each occurrence.
I have tried several ways, but none is very efficient.
They are based in comparing pairs of subjects using ismember. The words are organized in different blocks and the order is randomized across subjects, that explains the different indexing in subject 1 and 2.
list1match=[]; %SUBJ1 %SUBJ2
        s1l1=b{1}{1};
         l1=ismember(s1l1,b{2}{2});
         if max(l1)==1
            list1match=(s1l1(l1))
         end
         list1match=list1match(:);
         list1match=(horzcat(list1match,list1match));%SUBJ1 %SUBJ2
         list1nomatch=setxor(s1l1,b{2}{2})

Is there a way to do it globally? Thanks in advance for any comment.


High school students from the area converged on the campus of Southeastern Illinois College last month to take a series of regional exams as part of the Worldwide Youth in Science and Engineering (WYSE) academic competition.
Exams administered during the three levels of WYSE competition are designed to test students' knowledge of biology, chemistry, computer science, engineering graphics, English, math, and physics.
Jason Fitzgerald, chair of the Math and Science Division at the college, along with Dr. Mila Maring-Sims, anatomy and physiology instructor at SIC and regional WYSE director, hosted the event.
Fitzgerald noted that many of the Math & Science Club students who volunteered their time to help with the event are former WYSE participants and they look forward to the time when they can again be part of the WYSE competition by proctoring and grading exams, handing out awards, and helping out in any way.
"The WYSE competition is an important part of the academic experience of area high school students, one that provides memories that they will keep with them for many years. We are honored and excited to be able to be such an integral part of that experience," said Fitzgerald.
Regional winners, both in team and individual competition, qualify for sectional exams, which will be held March 12 at Southern Illinois University Carbondale (SIUC). Illinois state finals are scheduled for April 7-10 at I-Hotel and Conference Center in Champaign. The 300 division (or small school division) will compete on the seventh and the 700 division will compete on the eighth.
Team and individual results are listed below. Teams marked with an asterisk move on to the sectional competition at SIUC, and individuals marked with an asterisk, who are not members of an advancing team, are allowed to take the sectional exams as individual competitors.


text:
Delhi Elections
GST enables tracking of tax evaders: FM Arun Jaitley
This story is from July 7, 2017
TNN | Updated: Jul 7, 2017, 2:43 IST
Union minister Arun Jaitley.
NEW DELHI: Under the new Goods and Services Tax (GST) regime, 320 crore vouchers will be matched every month to check tax evasion, Union finance minister Arun Jaitley said on Thursday. Calling it a big step towards eliminating corruption, Jaitley said the simplified tax system had a mechanism to identify tax evaders.
Addressing a special programme on GST organised by Delhi BJP on the birth anniversary of the party's founding member, Syama Prasad Mookerjee, Jaitley said traders didn't have to fill up multiple returns.
"This is a destination tax. When the goods are sold, the state gets the tax. By 10th of every month, traders will have to just give an update about the goods sold. Just like we send an SMS, they have to file a return online. This will form a chain and every month we will match 320 crore vouchers. It will become easy to find tax evaders/defaulters," said Jaitley.
Urging BJP workers and supporters to create awareness about GST, especially among traders, the minister said it had put an end to 17 types of taxes and 23 cess.
Emphasising that multiple taxes and a complicated tax filing system had led to corruption, he said, "The system had become so complicated that taxpayers, who wanted to contribute in nation's development, wanted to avoid it. People had to file six-seven returns. Now the entire country has become one big market."
If a trader accurately files the returns, he will get the assessment orders online at the end of the financial year, Jaitley added. Another major benefit of GST, he explained, is that there will be "no tax on tax". Economically weaker states, like the Northeast ones, "will also benefit from it".
While party workers and supporters who gathered in large numbers at Talkatora Stadium shouted slogans in his name for bringing GST, the finance minister gave the credit to Prime Minister Narendra Modi.
"No finance minister can do it without the strong backing of the Prime Minister. The PM was clear that we have to introduce the single-tax system. The government's decision to compensate the losses incurred by the states in the first five years was the reason all states came together," said Jaitley.
Congress' Ravneet Bittu urges govt to declare Prakash Parv as 'World Tolerance Day'
Delhi: Meat shop owner shot dead in Punjabi Bagh
Anushka SharmaAnanya PandayShweta BachchanDisha PataniArjun KapoorSushant SinghPooja BatraSangeeta BijlaniMalaika Arora
Taimur Ali KhanDeepika PadukonePriyanka ChopraSuhana KhanKabir SinghHrithik RoshanSaahoThe Lion KingNick Jonas SharesKatrina KaifSasural Simar KaSuper 30Oppo K3Asus Rog Phone 2Vivo S1Realme C2Redmi Note 7 ProMi Power Bank


When Manor Tool & Manufacturing Co., Schiller Park, IL, recently implemented its lean initiative, staff kept a keen eye on safety, which it felt could be improved—along with production efficiency—through lean management. Manor, which produces a diversified product mix of medium- to long-run stampings, began its lean journey by rolling out 5S. And, as it started examining its processes through the lean initiative, it quickly became apparent that flexible does not necessarily equate with lean or with safety. As an example, general manager Kevin Segebarth points to its press-feed lines.
Traditionally, feed lines at Manor had never been secured to the floor nor tied to a particular press. This allowed the team to move equipment around to meet the needs of any job as it arrived. Through kaizen events, Segebarth and his team realized that this approach had a negative impact on setup time, as equipment relocation, leveling and securing required as long as 3.5 hr., not to mention coil-change time.
While looking for efficiency and process standardization, the company decided to conduct a study to look at its minimum/maximum coil-width requirements and the variety of material types and thicknesses being processed through its 200-ton Bliss press. Deciding on a 24-in. maximum-width feed requirement, the company turned to Coe Press Equipment, Sterling Heights, MI, to see what solutions it could offer.
Given the processing requirements and floor constraints at Manor, Coe recommended its SpaceMaster Series 3 compact coil line, which combines unwinding, straightening and feeding into one piece of equipment. Depending on material yield strength, this line provides Manor the flexibility to process material from 10- to 24-in. wide over the thickness range of 0.020 to 0.250 in., with a maximum coil weight of 11,000 lb.
Noting the throughput increase from the switch to a dedicated feed line, Manor quickly invested in another Spacemaster to feed its 400-ton Bliss DrawLink press. It's able to handle coil from 10- to 40-in. wide of material 0.015 to 0.250 in. thick, with a maximum coil weight of 15,000 lb.
What about safety? Morford and Segebarth note a huge improvement here as well. The previous setup with feed lines not bolted to the floor exposed operators to potential accidents, they say. For example, if the material failed in its feeding cycle, the feed line would stop, yanking the equipment off-kilter and pulling derailers out of position. Additionally, clockspringing of the coils was difficult to contain when loading coils onto the reels.
With the SpaceMaster solution, the coil car loads the coil on the reel, positioning it safely where the bands then can be cut without any coil or clockspring. This eliminates the need for a material handler, since once the material is unbanded and aligned with the feed it automatically feeds into the press.


text:
Our Catalog Law Legal Theory & Systems
Law and Language: Effective Symbols of Community
Extreame Savings Item! Free Shipping Included! Save 41% on the Law and Language: Effective Symbols of Community by Cambridge University Press at Translate This Website. Hurry! Limited time offer. Offer valid only while supplies last. Completed in 1964, Harold J. Berman's long-lost tract shows how properly negotiated, translated and formalised legal language is essential to fostering peace and understanding within local and international communities. Exemplifying interdisciplinary and comparative legal scholarship long before they were fashionable, it is a fascinating prequel to Berman's monumental Law and Revolution series. It also anticipates many of the main themes of the modern movements of law, language and ethics. In
Completed in 1964, Harold J. Berman's long-lost tract shows how properly negotiated, translated and formalised legal language is essential to fostering peace and understanding within local and international communities. Exemplifying interdisciplinary and comparative legal scholarship long before they were fashionable, it is a fascinating prequel to Berman's monumental Law and Revolution series. It also anticipates many of the main themes of the modern movements of law, language and ethics. In his Introduction, John Witte, Jr, a student and colleague of Berman, contextualises the text within the development of Berman's legal thought and in the evolution of interdisciplinary legal studies. He has also pieced together some of the missing sections from Berman's other early writings and provided notes and critical apparatus throughout. An Afterword by Tibor Várady, another student and colleague of Berman, illustrates via modern cases the wisdom and utility of Berman's theories of law, language and community.
Manufacturer: Cambridge University Press
Studio: Cambridge University Press
Item Weight: 1 pounds
Item Size: 0.67 x 8.98 x 8.98 inches
Package Weight: 1.01 pounds
Package Size: 5.91 x 0.71 x 0.71 inches
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