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July 2019 • Magazine
FinTech Top 10: Venture Center Hosts FIS FinTech Accelerator Program
David Potter, Curu; Brendan Diaz, Highside; Alana Levine, Voleo; Dan Stelmach, ChangEd; Heather Holmes, Genivity; Alex MacDonald, Highside; Ted Brown, Digital Onboarding; Chad Huber, Mimble; Nicky Senyard; Voleo; Nick Sky, ChangEd; Paul Proctor, Sendmi; Victor Guzman, Curu. (Not pictured: Jeff LoCastro, Neener Analytics)
by Tyler Hale | Photography By Jamison Mosley
Startup companies have a myriad of issues to deal with from creating and launching a product or service to keeping the business funded and moving toward profitability. Getting noticed in the financial and technology worlds can be difficult for new businesses. It's even more so in the financial technology (FinTech) industry. But the Little Rock-based Venture Center and FIS, the world's largest global provider dedicated to banking and payments technologies, have collaborated to make it easier for startups to connect with mentors and industry experts to move their business toward success.
The FIS FinTech Accelerator is a 12-week, on-site program designed to accelerate the growth of financial technology companies that are creating innovations in core banking services, wealth management, back office, regulatory and compliance issues, artificial intelligence (AI), data analytics, payments, digital automation, automated marketing, gamification, privacy/data permission and enterprise blockchain.
Hundreds of relevant companies with solutions in financial services are encouraged to apply, however, only 10 companies that are poised to challenge the status quo in the financial sector are selected. Here are the companies chosen to participate in a 12-week on-site program, complete with a curriculum that will help them plan strategically, address business and finance challenges and provide rigorous mentorship from successful FinTech and entrepreneurial experts.
Neener
Coming to Arkansas from Sunnyvale, Calif., Neener Analytics has already established a presence in 11 countries around the world.
Neener works with banks, lenders, insurance companies and real estate companies to automate their risk decision making. With only a click of a consumer's social media profile or a three-minute talk with ARIA, or Autonomous Risk Information Assistant, the world's first augmented AI chat-based risk decision-making tool, Neener can provide a custom risk assessment.
According to founder and CEO Jeff LoCastro, Neener will help the 56 percent of U.S.-based consumers who are "thin-file, no-file and credit-challenged," who are not being served by the financial industry due to current risk assessment methods. The technology will help banks and other financial institutions attract a new customer base.
"The opportunity to partner with FIS for 12 weeks is a gift from FinTech heaven," LoCastro says. "We know our solution works, and to be able to demonstrate it to FIS and their vast network is unbelievable."
Digital Onboarding
Hailing from Boston, Digital Onboarding helps financial institutions increase customer engagement and profitability by helping to build personalized relationships on a large scale.
Using a SaaS (software as a service) automation platform, Digital Onboarding automates and optimizes communication with customers. Phone calls and paper-based mail are replaced with email and SMS campaigns to help customers get the most from the financial service products they use.
"Banks and credit unions spend over $300 to acquire a new checking account, but 25-40 percent of openers close their accounts within the first year and only 45 percent convert into fully engaged, profitable relationships," Ted Brown, founder and CEO, says. "The Digital Onboarding platform makes it simple for customers and members to enroll in account-related services, like online and mobile banking, direct deposit and bill pay, and makes it easier for financial institutions to cross-sell additional products."
Founded in July 2015, Digital Onboarding launched and landed its first financial institution in January 2018. It now serves 25 companies.
Brown previously led the sales team at Andera, a venture focused on opening deposit accounts online. Before being acquired by Bottomline in 2014, it had acquired more than 600 financial services clients.
ChangEd, based out of Chicago, is a mobile app that aims to help student loan borrowers get ahead of their payments and manage their debt.
The app helps student loan borrowers by taking small, incremental savings and using those savings as additional loan payments. ChangEd then uses the "repayment journey" to show borrowers how these small savings can impact their student loan payments.
Dan Stelmach graduated from college with $68,000 in debt and began making the minimum payments for three years. When he decided to buy a house, he walked away from a deal so that he would not sink further into debt.
Stelmach approached his brother, Nick Sky, about building a debt repayment tool. This led to the founding of ChangEd in 2016. So far, it has helped users make more than $4 million in additional payments. The founders pitched the company on ABC's "Shark Tank" in 2018 and landed an investment of $250,000 with Mark Cuban.
Voleo
Voleo, which is based in Vancouver, Canada, is a white-label investment firm that aims to break down barriers to investing and empower novice investors.
With its social trading app for investing, Voleo is preparing individuals for their financial future. At the same time, financial institutions are able to develop relationships with potential clients and acquire new customers through the social network of investors.
The app was designed to gamify the investing experience in order to appeal to members of Generation X, Y and Z.
"It's gone well beyond that with users from 18-85 using our platform with friends, family and colleagues," according to Voleo's CEO Thomas Beattie.
"FIS is the largest FinTech solutions company on the planet, offering innovative solutions to some of the world's best financial institutions," Beattie says. "To have the opportunity to learn from them and their clients is a first-class opportunity, and we are delighted to be participating in the FIS Accelerator. The Venture Center does a terrific job at hosting startups and welcoming banks in Little Rock."
Curu
Short for "credit gurus," Curu works with consumers to overcome financial obstacles to establish credit and boost credit scores.
Using custom algorithms and real-time recommendations, Curu helps customers find the credit they need. The company has, so far, raised roughly $500,000 and signed 35 financial lenders.
Curu was founded in 2016 by two University of Maryland students, David Potter and Abb Kapoor. Potter serves as CEO, while Kapoor is the company's COO.
Curu was founded as a result of their experiences at college. Both founders struggled to find off-campus living arrangements despite having all expenses paid, because they lacked established credit.
"Participation in the FIS Accelerator meant collaborating with an audience open to innovative ideas and disruptive drive," Potter says. "The experience has been unparalleled, the training and mentoring facilitated readiness and key introductions to leaders in the financial services industry catapulted Curu forward with a well-defined and compelling value proposition and a focused direction."
Genivity
Health care and elder care costs are major threats to financial security for retirees. However, Genivity is working to ensure that individuals do not run out of money due to these costs.
Using Genivity's software platform, financial professionals can chart a path for their customers to prevent bankruptcy in their later years. Genivity's software helps customers, and financial professionals have informed conversations about financial planning and longevity.
"To win in the financial services industry today you have to be thinking about the end-client experience, but there aren't a lot of banks who do that well," CEO Heather Holmes says. "Our product, Genivity HALO (Health Analysis & Longevity Optimizer), was built around that end-client from the ground up to create an engaging and educational client experience for financial advsiers."
Holmes previously worked in the medical device industry at Medtronic and Abbott Vascular. Emily Chang is the company's co-founder and scientific adviser. Holding a Ph.D. in physical chemistry, she previously worked at 23andMe.
"FIS and the Venture Center have created an incredibly valuable program for FinTech companies, as well as the FIS customers who come to Little Rock, to meet with us," Holmes says. "We've learned a lot in a short period of time that we are applying to our product to make it even more helpful to financial advisers."
Mimble
Founded on the belief that the financial industry can do more to help people, Mimble is using digital technology to improve individuals' financial wellness.
Mimble helps customers save through its stand-alone app that enables automatic deposits and allows individuals to set savings goals. Mimble also partners with brands that put approximately 10 percent of each purchase toward a discount when using the Mimble app.
Customers can also house and use gift cards on Mimble. The cashback can be used to earn deals from brands while growing savings.
Chad Huber leads the company as CEO and co-founder. Mimble is based in Portland, Oregon, and was founded in 2017.
"FIS is the biggest FinTech [company] on the planet. We couldn't imagine a better partner to help us have the positive impact we want on the financial ecosystem," Huber says. "The support from both the Arkansas community and FIS has been awesome. It's been a true pleasure to be welcomed into both worlds with open arms."
HighSide
HighSide is a cybersecurity firm that is helping banks and financial institutions reduce the risk of cybercrime and data breaches.
Focusing on communications and file transfer security, HighSide has developed products that integrate into companies' existing systems to stop cyber attacks and breaches before they happen. These products, which are invisible to the end-user, require no training on the part of the company.
"Hackers target an organization's weakest and most vulnerable link: their communications layer, people and insecure work productivity tools, such as email, chat and file-sharing apps, etc.," CEO and founder Brendan Diaz says.
Based in Bethesda, Md., HighSide works with multiple industries, including the military-defense sector, as well as the financial industry.
"In the military-defense space, we partner with relevant (generally extremely large, multi-billion dollar) defense contractors as integrators and channel partners for selling into the military. We wanted to recreate that in the financial/banking sector with FIS as our partner. There are a lot of synergies between what FIS is already offering customers and what we could do together, so FIS is the ideal partner for HighSide," Diaz says.
Sendmi
Sendmi is tackling the problem of international money transfers for foreign employees through its custom mobile app, a "global flex-pay solution" that helps foreign employees working in the United States send money back home and pay international bills. The app integrates with the employer's payroll system and any funds are deposited into a transfer savings plan. Individuals can then transfer the funds using the Sendmi app.
"Sendmi will bring banks into the cross-border payroll business and allow them to compete for this business without actually being in the same business. Sendmi is a market shifting play that reduces cost, increases transparency, increases speed and deepens relationships between employers and employees," founder Paul Proctor says.
To date, the Lehi, Utah-based company has raised $2.1 million in capital with another round of funding to come.
"FIS has a brilliant reputation in technology services for banks. We see the FIS accelerator as a great opportunity to learn more about how we can best package our services for banks, and we hope that the interest that we are receiving from a number of FIS' partner banks will assist us in formalizing a relationship with FIS to have them distribute our product to banks," Proctor says.
Gremlin Social
Connecting with customers and engaging with them is a key part of creating trust between financial institutions and those they serve. Gremlin Social is helping these companies bridge the gap to build deeper relationships with their clients.
The St. Louis-based company provides an integrated solution that allows financial institutions to streamline their social media marketing while remaining compliant. Using one central dashboard, Gremlin Social enables banks to save time and money with content management on social media sites such as Facebook, Twitter and LinkedIn, while also providing detailed analytics.
"Social media should be a core component of any financial institution's advertising strategy. But it's not enough to simply post on a brand page anymore," CEO Doug Wilber says.
While Gremlin Social was founded in 2008, Wilber joined the company last year. In that time, he has helped it make the jump from a software company servicing small banks to being a solution provider for financial institutions of all sizes.
"Having the opportunity to share our capabilities with multiple banks each and every week has further validated our belief that banks can unlock tremendous value when they harness the collective horsepower of their employee's reach on social media, humanize their brands and transform employees into social sellers," Wilber says.
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On Good Friday we observe the death of our Lord and Savior, Jesus Christ, who was crucified on a cruel cross to take away the sins of the world! That is a transformational truth, my friend!
Such amazing and lavish love Jesus displayed for mankind as He took on our sins and sickness on Golgotha's Hill!
The sky grew dark in the middle of the afternoon as they crucified the Lamb of God who took away the sins of the world. They wrapped His body and placed Him in a borrowed tomb, but, ah, the story doesn't end there! It's just the beginning. For, you see, the tomb is empty. He is no longer there. Three days later He would rise again! Therein lies the hope of humanity, the great hope of the world!!


A grazing shot had hit her on the head, a more serious wound was found in her shoulder blade. Bullets had passed through the pillow under her head, and under the pillow of my sister, Marcia's head.
Home care for hand injuries initially involves proper first aid techniques. In most cases, serious hand injuries will require medical attention. Lacerations (cuts) . Apply pressure to the wound to stop bleeding.; If possible, wash dirt or debris from the wound.
The Fire Department says the woman was about 4 feet in the water with serious injuries. An official with the Fire Department says it appears the woman slipped from the bridge above the creek.
Oct 17, 2018· Left untreated, chronic and non-healing wounds may have severe consequences and can lead to diminished quality of life, serious health issues and even amputation of affected limbs.
Eleven people were treated for wounds to the stomach, hands and legs and two are understood to remain in a critical condition. A foreign ministry official in Beijing said the shooting was a ''mistake'' but the incident has led to demands to curb China's dominant position in mining investments.
Keeping the emergency department smooth. August 16, 2018. A hospital's Emergency Department (ED) has to be a well-oiled machine and, as the Emergency Department Coordinator at UP Health System-Portage (UPHS-Portage), Alecyn Sintkowski is the one who oils it.
Serious meaning in Hindi: Get meaning and translation of Serious in Hindi language with grammar,antonyms,synonyms and sentence usages.Know answer of question : what is meaning of Serious in Hindi dictionary? Serious ka matalab hindi me kya hai (Serious का हिंदी में मतलब ).
Low = Superficial wounds or temporary ill health Medium = More serious wounds and ill health leading to permanent minor disability High = Fatality, life threatening wounds and life shortening diseases, Reportable Accidents.
5. to make someone turn in his grave to make someone turn over in his grave to do something that would have shocked or distressed (someone now dead): many modern dictionaries would make Dr Johnson turn in his grave.
Aug 27, 2018· Someone is mining Azerite from the planet's open wound! ... but excuse me for getting a little serious for a second. I actually have a lot of problems when it comes to MMO lore. I dont see anything wrong with implementing lore into the game, but not how they do it nowadays.
The healing of all wounds, including tunneling wounds, starts from the inside out. Wounds cannot heal without adequate protein, so good nutrition is a basic requirement. The wound itself and the surrounding area must be kept clean.
The legal ambiguity hasn't needed to be addressed before, Hertzfeld said, because no company has previously come forward with a serious asteroid mining mission plan and the funds to back it.
In investigative clinical use in the United States, SkinGun™ treatments have shown the potential to naturally and rapidly heal burns and other serious wounds. We are developing our CellMist™ System as a promising new alternative for patients suffering from burns, chronic and acute wounds, and scars.
The La Paz incident occurred on May 20, 1863 at the mining town of La Paz, Arizona, and was the westernmost armed confrontation of the American Civil War. William "Frog" Edwards, only recently released from detention at Fort Yuma, ambushed a party of unarmed Union soldiers when they stopped at La Paz to purchase supplies.
An Indian woman identified as Nasim Mirza is currently admitted at Mzuzu Centre Hospital after sustaining burn wounds in the face, back, hands and legs after fire razed down their house on Wednesday in Mzuzu.
Common Mining Injuries Mining is a dangerous industry. It's often stated that safety is the top priority among global mining companies, however, serious injuries still occur on a regular basis.


Submit Your HIGHEST & BEST on Initial Offer!
Due to the shrinking inventory of available, good, move in ready homes in the Las Vegas area, this is something that home buyers in Las Vegas are going to hear a lot right now from their buyer's agent (even if they don't want to hear it).
It doesn't matter if it is a Las Vegas Short Sale, Las Vegas foreclosure or traditional Equity sale this is something that we are seeing put in the mls listings, and right now it is good advice if you want to have a chance at getting the home you just fell in love with.
I know it is something buyers may not be ready to hear as they could be thinking about the "old days" in Las Vegas (old days= 60 days ago) when you put in an offer just below asking price and it may have been accepted or countered up just a bit.
Well, the fact is our market, "RIGHT NOW" = Low Inventory = "MULTIPLE OFFERS" = Put in your "Highest and Best".
Your highest and best may still not win you the first home you want, so you must be patient and keep looking and "jump off the fence, so to speak" and get your offers in quickly on your next choice.
If you are looking for a Las Vegas Short Sale Specialist to list your home for sale call us now…(702) 812-4550. Do you have questions on Las Vegas Short Sales? We are here to help homeowners avoid foreclosure in Las Vegas. We personally work with you and your lender to get you the Best possible outcome which is to get out from under the debt of the home so you can move on with your life.
Important Notice -This is a personal blog.


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Q: How does really work the requestLocationUpdates of LocationManager in Android? Working with the Location Manager in Android, nce you first call the requestLocationUpdates, the value you pass it to select the refresh time can be changed?
Let me explain. Here we have what I'm doing (and works perfect):
(...)
locationManager.requestLocationUpdates(LocationManager.GPS_PROVIDER, GPSrefresh, GPSminDistance, locationListener);

(...)
public void onLocationChanged(Location location) {
// Do what you want to do
}

If, after some time, I change the value of GPSrefresh, Is it going to affect to the locationUpdates? Is it always checking the value of GPSrefresh or it just did it the first time it was called?
Thank you very much.

A: you are passing values to a method requestLocationUpdates of LocationManager calss and then updateing that value..so it will not affect the previous method call..
Like,
String tmp="Mango";
Fruits.add(tmp);
tmp="Apple";
in above only Mango will be added..to add Apple you will have to call Fruits.add(tmp) again,
Same way..IF you cange value of GPSRefresh you will need to call the method requestLocationUpdates again with the new updated parameters.

redpajama_set_name: RedPajamaStackExchange


There is nothing funny about this one. Prenatal exposure to pesticide chlorpyrifos may cause abnormal changes in the child's brain.
Kompost Kids make Kompost to Remediate the Soil. Go Kids, Go!
It might sound like new age hocus pocus to say that electrically grounding your body is good for your health. Speaking from my own experience, electrically grounding your body is good for your health. The practice is called Earthing. If you don't believe me, read Dr. Mercola's article and read Clint Ober's book Earthing.
If you're jumpy and think you can't meditate try reading this.
No matter how old or how young you are, yoga is for you. Just read this and see.


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[#JROCK] Eyeshine is at ANIME MIDWEST Rosemont, Illinios This weekend + Complete TOUR Schedule
Eyeshine
Eyeshine is a four piece, "edge rock" band originating in West Hills, California, formed in 2004. The band consists of Johnny Yong Bosch (lead vocals, rhythm guitar), Maurice Salmin (drums, percussion), Masataka "Polo" Yazaki (lead guitar) and Ginny Eck (bass, strings). The band's demo album, "How About That?" (2006), launched them into the underground rock scene with limited success but the band achieved nationwide fame with the release of their second LP album My Paper Kingdom (2009), which received multiple awards, including Elfenworks Social Justice award for their song, "Alone." In 2011 they recorded "Love Psalm" with Mary Elizabeth and Akira Yamaoka for Silent Hill: Book of Memories. Eyeshine won Ford Motor Company's worldwide band battle in 2012 and recorded a single with Grammy Award winning producer Don Was (Rolling Stones, Elton John, John Mayer…etc.). They have since toured worldwide and self produced over 11 albums. Other notable achievements include winning performance spots on Warped Tour and Ernie Ball's Rockstar Energy Drink Uproar Festival as well as having their music chosen for promotional use in the Call Of Duty Endowment project in 2013.
About Johnny Bosch and Eyeshine's Complete Tour Schedule (click MORE HERE BELOW)
Johnny Yong Bosch got his start fighting giant bugs as Adam Park, the Black Ranger on Mighty Morphin Power Rangers. It is a role that he would play for three and a half seasons on TV, two motion pictures and two special guest appearances in future Power Rangers seasons.
After Power Rangers, Johnny became very involved in voice over work for various titles. His first major voice acting role was Vash the Stampede in Trigun. He later went on to play the voices of Kaneda in Akira, Renton in Eureka Seven, Claus in Last Exile, Clair in Heat Guy J, Sakaki in Witch Hunter Robin, Mike in Please Twins, Albert in The Count of Monte Cristo, Kiba in Wolf's Rain, Itsuki in The Melancholy of Haurhi Suzumiya, Ichigo Kurosaki in Bleach, Lelouch Lamperouge in Code Geass, Izaya in Durarara and Troy in NFL Rush Zone and Guren in Tenkai Knights. Johnny's voice can also be heard in numerous video games. He voices the main character Nero in Devil May Cry 4 and performed voiceover work in .hack//G.U. , Persona 4, Disgaea 3, Tales of Symphonia, Tales of the Abyss, Eternal Sonata, Bumblebee in Transformers: War for Cybertron, Yang in Street Fighter IV, Zero in Marvel VS Capcom 3 and Torian Cadera in Star Wars The Old Republic. When Johnny is not voice acting, he is the lead singer and rhythm guitarist of the band Eyeshine.
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http://jrockerstar21.blogspot.com
Eyeshine at Anime Midwest - Rosemont, IL
Rosemont, IL, US
4 people are going
Eyeshine at Amarillo Civic Center
Amarillo, TX, US
1 person is going
Eyeshine at Orlando Nerdfest - Orlando, FL
Orlando, FL, US
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Anaheim, CA, US
Eyeshine - Matsuricon - Columbus, OH
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Sacramento, CA, US
Eyeshine @ Anime USA - Washington, DC
Eyeshine at The Marriott Hotel
JoinSave
Eyeshine @ Yamacon - Pigeon Forge, Tennessee
Pigeon Forge, TN, US
11 people are going

redpajama_set_name: RedPajamaCommonCrawl


Go to neighboring residences and call emergency services, and most importantly, never go back inside a burning building . "Don't play with matches, lighters, things like that", said firefighter Brad Graham, of Omaha Fire Department.
Police said at the time that after injuring the guard, Paddock stopped firing into the crowd. It draws into question the timeline of events and the speed of the police response.
Following the transaction, the chief financial officer now directly owns 67,413 shares in the company, valued at $4,913,059.44. First Personal Financial Services raised its position in shares of Valero Energy Corporation by 13.6% in the second quarter.
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An Arab-backed UNESCO resolution past year condemned Israeli's policies at religious sites in East Jerusalem and the West Bank. Hours later, Prime Minister Benjamin Netanyahu said Israel would quit too, calling the US decision "brave and moral".
Bangladeshi police officer Mohammed Mainuddin told Reuters that 12 bodies - 10 children, one woman and a man - had been recovered. It triggered a fresh influx of refugees towards neighboring Bangladesh, though the country sealed off its border to refugees.
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Weinstein, a longtime Hollywood power player who helped to launch countless careers, now stands accused of sexual harassment or sexually inappropriate behavior by more than two dozen women in a string of allegations stemming over decades.
The statement acknowledged that accusers often speak out at and face great professional and emotional risk.
The destination was a last-minute change, the website said, citing "well-connected sources" who told the website that Weinstein was getting treatment somewhere in the Scottsdale area.
She said she quickly figured out Weinstein's motives when they met.
She said: "I was so hesitant about speaking out.I didn't want to hurt his family".
Then, addressing Weinstein saying the culture of the '60s and '70s of which he grew up in led to his toxic behavior, Bee exclaimed, "Oh give me a break, white Cosby!"
The French actress, who won the Palme d'Or at Cannes for Blue Is The Warmest Colour, said the film mogul stared at her "as if I was a piece of meat". Beckinsale ended her post by saying Weinstein is "an emblem of a system that is sick and that we have work to do". The actress said she applauds the women who have come forward with their stories.
The contract came up for renewal just as Ambra Battilana, an Italian model, reported to the police that Harvey Weinstein had groped her during a work meeting at his Manhattan office. It says the claim will be assessed by detectives from the sexual offenses team.
The New York Police Department told Fox News Thursday that they have opened an investigation into sexual assault accusations against Harvey Weinstein stemming from an alleged 2004 incident.
Marking International Day of the Girl, the 45-year-old actress posted a selfie with her eldest child, 13, and wrote a heartfelt caption paying tribute to the teen.
Beckinsale shared on Instagram that when she was called to meet Weinstein at the Savoy Hotel in London at the time, she assumed she would be going to a conference room. "I'm hanging in-I'm trying my best", he says.
In the audio of their conversation which was released by the magazine, Weinstein can be heard apologizing for grabbing her breast and then repeatedly pressuring her to come into his hotel room.
On Wednesday, Bee sarcastically exclaimed during a separate segment (see above) that it has been "a huge week for women" since "America encountered the second giant vortex of destructive moisture named Harvey".
After listing the nominees for supporting actress, MacFarlane said: "Congratulations". Her Twitter account was suspended Wednesday night for violating the site's terms of service after she went after Weinstein through a barrage of tweets, according to The Hollywood Reporter. Maerov said that his chief concern had been whether Harvey Weinstein's behaviour posed a legal liability for the business, and that after receiving assurances that no company money was used and that no complaints against Weinstein were pending, he had approved the contract. As of Thursday morning, he was said to be in Arizona receiving treatment at a rehab facility amid a storm of sexual harassment allegations.


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New report reveals the U.S. has two of the world's 10 most expensive cities to live in for 2021
And there's a new world's most expensive city for 2021, too.
[Source Images: Madmaxer/iStock; f11photo/iStock]
City living isn't cheap, but in some places, things are getting even more expensive. The Economist has revealed its annual list of the world's ten most expensive cities (via Al Jazeera). The 2021 list, officially titled the Worldwide Cost of Living Survey and compiled by the Economist Intelligence Unit, brings some bad news for those who live in two of America's largest cities.
New York City ranks sixth when it comes to the most expensive cities to live in for 2021. But things aren't much better for the powerhouse city on the West coast either. Los Angeles also made the top 10, coming in at the ninth most expensive city to live in for 2021.
2021 also saw the dethroning of the 2020 most expensive city to live in. Last year, there was no city more expensive than Paris, France. But in 2021, Paris dropped down to the #2 spot (tying with Singapore) and a new city rose to the top spot–Tel Aviv, Israel.
The reason for Tel Aviv's ascension? There are several, but one of the main ones is the strength of the Israeli shekel against the U.S. dollar throughout 2021. The shekel gained 4% against the U.S. dollar, reports CNBC, which saw about 10% of goods in the city become more expensive.
The full list of The Economist's most expensive cities to live in for 2021 is:
Paris, France (tied for 2nd place)
Singapore (tied for 2nd place)
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The SoCal Desert Ramble is just that: a distracted, indirect meander from the city of San Diego, on the Mexican border, to San Bernadino, on the outskirts of Los Angeles. But, rather than following the conventional coastal road, it stitches together a number of remote dirt tracks and washes, by way of the vast deserts of the Anza-Borrego State Park, the bizarre, inland Salton Sea, counter-culturist Slab City, otherworldly Joshua Tree National Park, hip and musical Pioneer Town, and the higher reaches of Big Bear Lake. From there, it can be connected to Los Angeles via a forest road descent to San Bernadino and its public transportation options. Or, for those with a few extra days to play with, it can be joined to the Baldy Bruiser bikepacking route, effectively taking you all the way from the heart of San Diego to the epicentre of Los Angeles via some of the most beautiful desert riding in the Southwest.
The original intention was to run this route through the Corrizo Gorge, following the historic Impossible Railroad and its succession of epic trestle bridges and timeworn tunnels. At the time, we weren't aware that this trail wasn't open to the public. Having since discovered that it's officially closed to hikers and cyclists, we've rerouted the SoCal Desert Ramble to follow the awesome Stagecoach 400 to Anza-Borrego (with a small modification down Canyon Sin Nombre). At Westmorland, it also picks up a section of the extended Stagecoach 500 route around the Salton Sea, before leaving it to climb up into Joshua Tree National Park. Our thanks are due to Brendon Collier for laying out the Stagecoach 400/500, a wonderful loop out of Idyllwild. Additional thanks to Sarah Swallow for suggesting an excellent series of dirt roads between Big Bear Lake and San Bernadino, and of course thanks to Brian Mulder for helping fine-tune the route on the ground, as well as his company while riding it. If you have any improvements as to how some of the paved sections of this ride might be reduced, please get in touch so we can improve the SoCal Desert Ramble.
Following bike paths out of San Diego – an interesting city in itself, easily reached by Amtrak from LA – the SoCal Desert Ramble begins with one of the more significant climbs of the route. This propel riders through the Cleveland National Forest and over a high pass that crosses the Pacific Crest Trail on singletrack. The elevation is short lived, though, as the route quickly drops steeply back down again into the Anza-Borrego State Park, an area named after the 18th-century Spanish explorer Juan Bautista de Anza and borrego, the Spanish word for bighorn sheep. It's here that the desert solitaire experience begins in earnest. After a stint on a quiet paved road, the Ramble turns directly into the vast emptiness, towards the crumpled folds of the Colorado Desert of Southern California. Initially, it follows the enigmatic Canyon Sin Nombre (the Canyon with No Name), then it passes through Ocotillo Wells en route to Borrego Wells, before striking out across an open land that likely boasts more lanky, prickly ocotillo than human inhabitants. Anthophiles should keep their eyes peeled out for wildflowers and flowering cacti after rainfall, especially as spring approaches. If you're lucky, you might even time your visit with a super bloom. But even if you miss such a colourful display within the muted tones of the desert, be sure to stop and enjoy the assortment of towering, weathered residents that speckle this part of the ride, one of which is featured on our route badge (tackle the route, and you'll see what we're talking about!).
Another arroyo lies ahead. Salido Wash, followed downstream, is a popular 4×4 route that leads riders straight to Salton City – the fabled holiday resort gone wrong – that's situated along shores of the Salton Sea. Calling it a sea is something of a misnomer, despite its salty nature. It is, in fact, the largest lake in the state, and an accidental one at that. Once dubbed the Californian Riviera, the Salton Sea is now an ecological disaster, thanks to years of fertilizer runoff. In its 60s heyday, it heaved with tourists drawn to its once enticing waters. Now they lie abandoned and decayed, like a post-apocalyptic wasteland.
More pavement miles are required, with an extended highway stint (thankfully, there's a generous shoulder), so we'd recommend focusing on the immediate prize: a famous date shake at Westmorland. Then, riders redeem their monotone efforts by delving into a web of quiet levy roads and dirt tracks around the Salton Sea, an especially unorthodox and rarely travelled section of the route developed by Brendon Collier. From here, events take a turn for the bizarre. Welcome to Slab City, as featured in Jon Krakauer's Into the Wild, the infamous counter-culture haven, known for its technicoloured Salvation Mountain, its outdoor art installations, the Range weekend music venue, and the various oddball characters who roam its dusty streets.
Continuing onwards around the Salton Sea, the Ramble hops onto pavement once more to close in on Coachella, before climbing ever upwards into Joshua Tree National Park. The rugged dirt road gradually becomes ever more populated with these gangly members of the yucca family, set to a vast and polished granite rockscape, a playground for spider-like climbers.
Then, one of the most scenic forest roads of the trip wends riders up to Big Bear Lake, via Pioneer Town. This quirky, photogenic settlement that was once a Hollywood Wild West film set and is now a regular venue for bands, both local and international, hosted at Pappy and Harriet's jam-packed Palace. Keep an eye on the weather as the higher reaches of this road will likely be impassible after a heavy storm. And even if the the skies are clear, as they usually are, it's probably worth finding accommodation in Big Bear (7,642ft / 2060m), given that it doubles as a ski resort. From there, enjoy the loss in elevation in the descent to the desert floor once more, catching the train from San Bernadino to Los Angeles. Or, better still, reach it by pedal power via the Baldy Bruiser.
Diffculty: We've awarded this route a 7 out of 10. With the right bike, there are few technical challenges, though the roads can be extremely rocky at times and very sandy in places – the latter dependent on how recent the last rain was (ask locally, and carry extra water to allow for slow progress). Depending on the year and when the road has been graded, expect corrugation around the Salton Sea, too. Be aware that there's several easier, faster paved sections that will make up time. Logistics are fairly straightforward, with regular resupplies and reasonable water access available. The timing is based on 50-mile days, for which you'll need early starts in the winter, given the short daylight hours.
Amazing variety, featuring coastal cities, low desert, high desert, art, an inland sea, and even a ski resort.
Enjoy starry desert nights in Anza Borrego State Park and see strange beasts lurking in Borrego Wells.
Slab City and Salvation Mountain… a haven for counter-culturalists and off-the-grid desert dwellers.
Learn about the bizarre history of the Salton Sea, California's Riviera gone horribly wrong.
Enter Joshua Tree National Park through its rugged back door.
Grab a beer at Pappy and Harriet's famous Palace and catch some great music.
Enjoy the dirt climb from Pioneer Town to Big Bear Lake… it's as good as they get!
Best bike: fat tires aren't necessary for this ride by any means, and will make the extended pavement sections slow going. Plus tires are likely the best option, but 2.4s will be ok too, though you'll have extra work in store for you if the washes are especially soft and sandy. Anything less than that, expect to bounce around in places and push through the sandy stints (though you'll make up time on the road and gravel sections). Running tubeless tires is always a good idea.
Carry extra oil. If the arroyos and dry and powdery, you may need it!
When to ride: This route can be ridden from fall to early spring, depending on the temperatures. Note that it reaches over 2000m in elevation at Big Bear Lake. After storms, the forest road above Pioneer Town may well be under snow for a few days. Storms can also affect the high pass over the PCT. Forget summer, it's a scorcher and you'll need to tow a trailer full of water. See Trail Notes for some alternative GPX files to Riverside (where you can connect with the coast via a bike path or public transit) if the snow rules out the climb to Big Bear Lake.
The desert gets cold at night, where temperates can drop below freezing in the winter, and Joshua Tree National Park can be very windy. Don't skimp on your layers.
Travel Logistics: San Diego is easily reached by Amtrak from Los Angeles, etc. There is a frequent and bike-friendly Metrolink service between San Bernadino and Union Station, LA. If you need to save a day, there is also a Mountain Transit bus to the Amtrak station ($10, takes two bikes, plus tires need to be deflated a little, arrive early, bring extra straps for big tires).
There are two extended pavement stretches along potentially busy roads – between Salton City and Westmorland, and the western tip of the Salton Sea and Coachella. Although there's a good shoulder, we'd advise bringing daytime-use lights or, if faced with a headwind, hitching a lift to skip them.
The route can be ridden from north to south as well, though note that this will involve climbing through both washes, which, depending on the conditions, has the potential to make your life a lot harder. Link it into the Baja Divide and use it as a shakedown tour! San Diego is well stocked with bike shops if you need to make any changes before crossing the border.
Have extra time in Big Bear Lake? There's a tonne of great trails in the area – ask at the Big Bear Hostel or pick up a map at Bear Valley Bikes.
There's plenty of bike shops in San Diego. Bear Valley Bikes at Big Bear Lake is a fully stocked, year-round shop, with plenty of local singletrack knowledge. In Joshua Tree, there's the Joshua Tree Bike Shop; Jima, the owner, is a keen bikepacker.
If you have more time to spare, allow a half day to explore Slab City and its various art installations, and just soak up its vibe. Give yourself an extra day in Joshua Tree to hike, or explore more of its dirt roads with Logan's Dirt Roads of Joshua Tree route.
Camping is rarely an issue, given the extent of the Anza Borrego State Park (free dispersed camping) and the regular swathes of National Forest.
For affordable lodging in Big Bear Lake, the Big Bear Lake Hostel is highly recommended. It's very friendly, clean, large kitchen, and comfortable dorms/rooms. Be sure to book in advance.
Joshua Tree National Park website has a list of all the campsites ($15) in the park. For the most part, you should be fine turning up and finding a spot, unless it's a national holiday when it tends to be jam-packed.
Check the POIs on the map for reliable water and food points; they are fairly well spread out, so carrying food and water isn't a major issue.
Note that Slab City has no water. Pick up water from the water machine outside the grocery store in Niland before.
This is the desert, so always carry 4-6 litres of water on your bike, depending on the weather, and fill up when you can. Check with locals (e.g. at the Agua Caliente Store and in Borrego Wells) on the condition of the two arroyos (Canyon Sin Nombre and Salido Wash). If especially sandy and hot, carry more water to allow for slower riding.
These are Brian's trail notes from our ride, ridden at the end of February 2017. Note that they begin at the head of Canyon Sin Nombre, as we entered the Anza Borrego State Park from the Carrizo Gorge, rather than along the Stagecoach 400 route (2 days). And note that these notes end in Big Bear Lake, from where we continued on to L.A. via the Baldy Bruiser route (4 days). Allow an extra day from Big Bear Lake to San Bernadino.
Water in Ocotillo Wells at the RV park store across from the bar. Hours were limited so not reliable resupply.
Full services in Borrego Springs.
Wifi and plugs at Christmas circle roundabout in center of town.
Good Mexican on Palm Canyon drive, as well as grocery store on the left hand side.
Campsite up Coyote Canyon past citrus orchard.
No water on route until Salton City.
Salton City AMPM store at gas station where route intersects CA-86 has limited food, wifi and a good Mexican restaurant. Huge breakfast burritos.
Plenty of camping options just before getting into town.
+/-2 mi round trip detour into Westmorland for Date Shake and water resupply.
No water from Westmoorland until Sonny Bono Wildlife Center.
Small grocery store and water in Niland. Watch your stuff, a little sketchy.
No water or food services in Slab City.
Good camping on bluff behind Salvation Mountain.
Morning spent seeing Slab City highlights (Salvation Mountain, The Range Stage, Library, and East of Jesus).
Coachella Canal Road leaving Slab City could be impassable if wet.
Stopped at first RV park we passed for water. Other possible water point is the Fountain of Youth Campground up the road. However, it was gated so we did not enter.
Resupply and water in Mecca.
Probably should have pushed on directly to Coachella and resupplied here rather than stopping in Mecca as Coachella has more options.
Camped on pipeline road on your right about 1.5 miles after passing over I-10.
Pipeline road camping to Jumbo Rocks campground.
No water along Berdoo Canyon Road until Jumbo Rocks campground.
Full services in Joshua Tree. Worth visiting: Visitor center on Park Boulevard, Joshua Tree Coffee Co on 29 Palm Highway just down the street to the left from the Visitor center, behind the trading post.
Full services in Yucca Valley. Stopped at Walmart heading out of town before turning towards Pioneertown.
Pappy and Harriet's Pioneertown palace is a must stop, including a swing through the old film set behind the palace.
Camped approximately 1.25 miles up the road from the Palace. Turned down a dirt road on the right and dropped into a wash.
No water until Big Bear, so water resupply before leaving Pioneertown.
Stayed at Big Bear Hostel for a couple of days, great spot.
Big Bear places of interest: Tea and Coffee Café (good wifi), Big Bear Bikes is a fully stocked shop, Teddy Bear Café in the Village is good for breakfast.
If there's been a storm up a Big Bear Lake, chances are the forest road leading to it will be under snow for a few days afterwards.
If you need to bypass Big Bear Lake, here's some gpx files that will lead you via an unconventional route to Riverside, from where you can catch a train to LA, or ride a bike path to the coast. Note that these gpx files should all be legal, but we haven't had a chance to double check them since riding them. Please let us know if you try them out.
This route joins up with the 4-day Baldy Bruiser, which will take you all the way to Los Angeles.
To time your trip with the desert bloom (and for general wildflower updates) see this info-packed website.
Investigate the weather at the Anza Borrego State Park weather station, updated every 10 minutes.
And check the Anza Borrego State Park website for local road conditions.
Load the Stagecoach 400 bikepacking route into your GPS for alternates.
For a fascinating synopsis of the Salton Sea's peculiar history, listen to this podcast, by 99% Invisible, and see images at Messy Nessy.
New to the desert? For tips on what to bring and how to pack, check out our Guide to Desert Bikepacking.


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The hidden costs of your recruitment process: Are you losing your best customers?
To position Airline Metrics as the essential one stop solution for managing and understanding complex airline data easily, to a global audience of airlines, travel agency groups, corporate travel companies and airline consolidators.
In a highly complex industry where hitting sales targets and growing yields is critical to growth, the messaging would need to be clear and convey that analysing airline data is not as complex as it seems and leads to increased margins, if you have the right tools.
To develop a brand identity and website for ANZ Tourism, a new destination management company offering exclusive inbound and outbound packages of Australia and New Zealand for travellers from India and the Middle East, and for Australians travelling to India.
Look after your employees, before someone else does!
How good is your employee value proposition?
Are there drinks in your fridge?
Does your Company have a Hole in its bucket?


Yellow fluorescent protein (YFP) is a genetic mutant of green fluorescent protein (GFP) originally derived from the jellyfish Aequorea victoria. Its excitation peak is 514 ㎚ and its emission peak is 527 ㎚. Like the parent GFP, YFP is a useful tool in cell and molecular biology thanks to its properties useful for fluorescence microscopy.
노란색 형광 단백질 (YFP)은 원래 해파리 Aequorea victoria에서 파생 된 녹색 형광 단백질 (GFP)의 유전 적 돌연변이입니다. 그것의 여기 피크는 514 ㎚이고 방출 피크는 527 ㎚ 입니다. 부모 GFP와 마찬가지로 YFP는 형광 현미경 검사에 유용한 그 특성 덕분에 세포 및 분자 생물학에서 유용한 도구입니다.


Virgil H. Hellige, 65, of Ft. Madison passed away at 8:14 AM on Wednesday, February 06, 2019 at his home.
He was born on July 10, 1953 in Ft. Madison to Henry and Dorothy Nolte Hellige. On November 24, 1984 he married Jeanne Klesener in Nauvoo. Virgil worked at ISP and retired after twenty-nine years of service. He was a member of Holy Family Parish, The Moose and The Izaak Walton League. Virgil enjoyed hunting, fishing, bingo and was an avid St. Louis Cardinals Fan. His greatest love was his family, especially his grandchildren.
Survivors include his wife, Jeanne Hellige of Ft. Madison; his children, Mike (Mary) Hellige, Susan (David) Jeffries and Sarah (BJ) Pohlpeter, all of Ft. Madison; six grandchildren, Madison, Connor, Mason, Tanner, Wesley and Benjamin; one brother, Arnold Hellige of Hannibal; four sisters, Mary Wenke of Donnellson, Rosie Becker of Farmington, Pauline Smith of Kahoka, and Genevieve Martin of Venice, FL; mother and father in law, Dennis and Barb Klesener of Nauvoo and several nieces and nephews. He was preceded in death by his parents, twin grandsons, Emmett and Wyatt Jeffries and a brother in law, Randy Klesener.
The funeral mass will be held at 10 AM on Saturday, February 9, 2019 at Ss. Mary & Joseph Church with Rev. Joseph Phung officiating. The family will meet with friends on Friday from 4:30 PM-6:30 PM at King-Lynk Funeral Home & Crematory. A rosary will be recited at 6:30 PM at the funeral home. Burial will follow in Sacred Heart Cemetery.
In lieu of flowers, a memorial has been established in his memory and online condolences may be left at www.kinglynk.com.


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text:
De Beers v Atos De Beers v Atos
De Beers v Atos
Out-Law Guide | 29 Sep 2011 | 1:54 pm | 6 min. read
De Beers UK Ltd (formerly Diamond Trading Co Ltd) v Atos Origin IT Services UK Ltd [2010] EWHC 3276 (TCC)
The High Court (Mr Justice Edwards-Stuart) gave judgment in December 2010 in respect of a dispute between De Beers UK Limited ("De Beers") and Atos Origin IT Services UK Limited ("Atos"). Whilst the judgment does not establish any new legal principles, it does address some of the key issues relating to the scope, management and termination of IT contracts.
In around May 2006 De Beers entered into an agreement with the Government of the Republic of Botswana to transfer a large part of its operations to Botswana. This required the development and supply of a new software system to upgrade De Beers' outdated legacy systems and to support its diamond supply chain management ("the Project").
Following a successful tender bid for the Project by Atos in April 2007, De Beers and Atos agreed to enter into a preliminary contract in order to give Atos an opportunity to investigate and analyse De Beers' business requirements. Once Atos had undertaken its investigative analysis, the parties entered into a fixed price contract ("the Contract") with a value of £2.9m for the delivery of the Project by June 2008.
Progress fell significantly behind schedule and in early 2008 Atos notified De Beers that it would not be able to deliver until mid-October 2008 at the earliest. As a consequence, the parties were forced to vary the delivery schedule pursuant to the Contract by agreement.
In the meantime, Atos issued an interim invoice for a sum in excess of £320,000, which was due for payment in April 2008. De Beers refused to pay this invoice citing dissatisfaction with delays and with the quality of the work being done by Atos.
By a letter dated 21 May 2008, Atos in turn claimed that the progress of the Project had been delayed and obstructed by the lack of co-operation from De Beers and by significant increases to the scope of the work. Atos threatened to suspend all further work unless De Beers agreed to renegotiate the terms of the Contract (including a request by Atos for a further £4m to reflect a "...fundamental change from the original contract terms in terms of scope..."). De Beers refused this request and work was suspended by Atos in June 2008 and never resumed.
De Beers subsequently brought a claim against Atos for £8.3 million, with Atos counter-claiming. Both parties claimed that the other was in repudiatory breach of contract which was accepted, terminating the Contract.
The Court had to decide which party was entitled to treat the contract as repudiated and what damages could be recovered.
Repudiatory breach
The Court had to establish whether the withholding of payment by De Beers, or the suspension of work by Atos, constituted repudiation of the Contract.
The Court criticised the behaviour of both parties. Nonetheless, it was established that, whilst De Beers was clearly in breach of the contract by withholding payment, this did not constitute a repudiatory breach. At the time De Beers was attempting to engage in commercial negotiations, and was even prepared to make an extra-contractual payment to Atos, to ensure that the Project did not fail.
In contrast, the Court held that Atos' behaviour had amounted to a clear repudiatory breach. Although Atos did have a contractual right to suspend work until payment of the invoice by De Beers, the Court found that the demands made by Atos did not reflect its contractual entitlement. By suspending work until De Beers would enter into a new commercial agreement, Atos was showing an intention to only complete the work on different terms, not upon the terms originally agreed in the Contract. Accordingly, De Beers was entitled to treat the Contract as discharged and to claim for its losses.
Atos advanced various claims against De Beers for costs which it claimed were incurred due to the changes in scope to the Project. Atos claimed that the Project changed both in terms of breadth (i.e. new functionality outside the initial scope) and depth (i.e. increased scale or complexity). De Beers accepted that changes in breadth were chargeable under the Contract, but denied that Atos' claims in relation to changes in depth were similarly chargeable.
The Court held that if the change fell within an activity described in the Project specification at the time that the Contract was entered into, then that change was within scope. Accordingly, changes in depth were within the scope of the Contract even if the complexity of the Project had significantly increased beyond what was anticipated. In reaching this judgment, the Court took into account that Atos had only captured De Beers' requirements at a high level when entering into the Contract, despite the period of investigation and analysis into De Beers business processes undertaken by Atos in April 2007.
De Beers' loss claim
The Court found the De Beers was able to recover some, but not all, of its losses claimed.
Whilst it was established that De Beers was entitled to recover the cost of upgrading its legacy systems until a replacement system could be found, the bigger question for the Court to decide was whether De Beers could recover its costs in relation to the procurement of a replacement system by another supplier.
It was held that as there had been a substantial non-delivery by Atos, De Beers should be entitled to recover the cost of purchasing a replacement system elsewhere, even if it did not actually intend to do so. This accords with the basic principle that an award of damages should put the Claimant in the same position as it would have been in had the contract been performed.
In order to establish De Beers' 'loss of bargain', the Court gave credit for sums which De Beers would have had to pay if the Contract had been performed in full (being the balance of the Contract price, credit for increases in the scope of work, and any other sums that might have been agreed had the Contract been performed in full). This left De Beers with an award of £1.4m.
At the core of this dispute was the lack of understanding by Atos of the complexity of De Beers' particular business processes. Although Atos had the benefit of a period of investigation and analysis of De Beers' organisation prior to entering into the Contract, it had still agreed a rigid fixed price contract with an inappropriate change control process, which was unable to deal with the evolution of scope during the period of the Project.
Whilst it may have been difficult for Atos' sales team to bid for the work in any other way during a competitive tender, it is clear that the fixed price model was not appropriate in these circumstances. Atos should have considered a model which took into account the potential changes in scope to ensure that the contract had the flexibility to deal with the inevitable changes (e.g. a hybrid model of a fixed price and time and materials contract may have been more appropriate).
Moreover, the Contract was not clear that either party was able to terminate other than for material breach. It is possible that had the parties had an alternative right of termination, with appropriate costs consequences, the parties might have spent more time negotiating, rather than solely focussing on repudiatory breach.
This case shows how important it is for parties in the initial stages of a large IT project to be realistic and have clear intentions when negotiating an IT contract. Suppliers and customers should ensure that their contract contains a detailed scope of work and implementation plan, along with an appropriate change control process for dealing with any scope and implementation changes.
Once the project is underway, customers and suppliers need to exercise extreme caution during the contract period as some conduct (such as suspending work pending renegotiation of contract terms) can unintentionally give rise to a repudiatory breach entitling the other party to terminate. It should be noted however that (as Atos discovered to its cost) repudiatory breach will not be inferred lightly by the Court. The contract breaker must have clearly shown an intention to abandon and/or not otherwise perform the contract for such breach to be established.
If the project should fail, suppliers should bear in mind that this case showed that one measure of damages for failing to complete a project is the cost of procuring a contract for services from another party, and there is no need for the customer to have entered into a replacement contract in order to establish its loss of bargain.
Advance pricing agreements do not provide full protection against diverted profits tax
SPEED READ: There is a significant overlap between the UK's diverted profits tax (DPT) and transfer pricing. It might be thought that an advance pricing agreement (APA) would provide full protection against DPT.
17 Oct 2017 Corporate Tax
Notifiable data breach scheme in Australia has cross-sector impact
LEGAL UPDATE: New data breach notification rules came into effect in Australia on 22 February 2018. The notifiable data breach scheme requires many organisations to notify Australia's information commissioner, as well as affected individuals, when data breaches occur that are likely to result in serious to harm to individuals whose data is breached. The new mandatory notification requirements replace the previous voluntary reporting system. Organisations risk exposure to significant fines if they fail to disclose data breaches they are required to. It is therefore important that they are aware of their obligations under the Privacy Amendment (Notifiable Data Breaches) Act 2017 and take preventative measures to enhance their information security, and implement effective procedures to mitigate damage if a breach does occur.
23 Feb 2018 Data Protection & Privacy
Computer error on cryptocurrency trades considered by international court in Singapore
LEGAL UPDATE: In an indication of the complexity of digital currency disputes, a Singapore court has referred a dispute to a full hearing, declining to issue a summary judgment. The case highlights that in disputes about digital currencies the ability to reverse transactions may be a critical issue for trading parties. The need to intervene and unwind smart contracts also requires careful consideration. These types of dispute require effective dispute resolution mechanisms. This matter has ended up in a reputable court, but the issue would have been more complicated if the case had taken place in a less legally-friendly country.
18 Jan 2018 IT disputes
Amazon's Deliveroo investment subject to UK investigation
VAT charges on digital versions of newspapers overturned
Database rights: the basics
Telecoms regulation in Bahrain
Telecoms regulation in the UAE
Telecoms regulation in Qatar
Data transfers opinion welcome but burdens could increase for business
US updates export control voluntary self-disclosure policy
Software developers face German call for tighter GDPR rules
Open banking will facilitate home loan switching
Amazon deal with Deliveroo attracts UK in-depth scrutiny


Magnesium is one if the essential mineral needed for good health. Magnesium is found in soil in large amounts and if the food is grown in that soil it is automatically rich in magnesium. These days the chemical treatments to increase the production of crops and use of commercial fertilisers such as calcium, potassium and phosphorus may reduce the amount of magnesium which is naturally preserved in soil and this is the reason more than 80% of the people are deficient in magnesium.
Magnesium is responsible for the activation of 300 enzymes which are involved in the metabolism of food components and synthesis of many products.
Magnesium plays an important role in transmission of nerve impulses.
Along with calcium magnesium helps in the formation of healthy bones and teeth.


text:
Trump gives 'blessing' to TikTok deal with Oracle
Trump claimed TikTok would be "totally controlled" by Oracle and Wal-Mart. Walmart agreed to purchase a 7.5% stake in the popular video-sharing app, according to Bloomberg . In its statement , TikTok said that it was committed to protecting the privacy and safety of its 100 million USA users. TikTok issues a statement after it was announced that it could resume in the U.S. [Full Article...]
WeChat ban in the US temporarily halted by a court order
TikTok also apparently claims that it had offered alternatives - perhaps a reference to its ongoing negotiations with Oracle - to the president's ban to address US security concerns, only for the Commerce Department to mandate "the destruction of TikTok in the United States". [Full Article...]
Donald Trump to nominate female judge for Supreme Court
Trump's plan to quickly fill the vacancy drew immediate criticism from Democrats, who noted that in 2016 Republican Senate Majority Leader Mitch McConnell blocked a vote on a Democratic appointee, saying it was inappropriate to do so in an election year. [Full Article...]
Rajya Sabha passes farm bills amid protests by Opposition
After 25 minutes, he adjourned the House for 15 minutes. They're justifying Deputy Chairman's action and attitude. This prompted opposition members to troop into the well raising slogans against the government. Participating in the Parliament debate, former Prime Minister H D Deve Gowda, now a lawmaker, asked Modi to explain the short- and long-term impact of the bills on farmers. [Full Article...]
Epic Games launches a campaign (and lawsuit) against Apple
Jackson said Epic had violated a rule requiring developers to use Google's in-app billing system for products within video games. Apple, Google, and Facebook are among major American technology companies that have come under fire for their alleged abuse of market power, and just last month their chief executives were grilled by lawmakers in a five-hour-long congressional hearing . [Full Article...]
Envelope with deadly poison ricin addressed to White House intercepted
It was caught "at the final offsite processing facility where mail is screened before being sent to the White House mail room", a second law enforcement official told the Times . The poison can take several forms, including powder, mist, or pellets. Ricin can cause death within 36 to 72 hours from exposure to an amount as small as a pinhead. [Full Article...]
Une lettre empoisonnée envoyée à la Maison Blanche — Etats-Unis
D'autres colis du genre auraient aussi été envoyés à des adresses au Texas, et ils seraient possiblement liée à la même personne. "Le FBI a analysé la substance trouvée dans l'enveloppe", a ajouté la RCMP. La lettre empoisonnée destinée à Donald Trump qui a été interceptée la semaine dernière avant de se rendre à la Maison-Blanche aurait transitée par Montréal. [Full Article...]
Microsoft enters the final stretch with Windows 10 20H2
The news comes as another warning has been issued to Windows 10 users. Today, we are releasing Build 19042.508 ( KB4571756 ) to Windows Insiders in the Release Preview Channel. Furthermore, if you're an Insider who is a part of the Beta Channel, the new update will be released to you automatically, so no need to manually initiate a download at any time. [Full Article...]
TikTok files complaint in United States to block ban
| Dimanche, Septembre 20, 2020
The Trump administration said on Friday that it is banning TikTok and WeChat from USA app stores , a measure that will go into effect at midnight on Sunday . The order will ban the apps from app stores on all platform, citing reasons of national security. TikTok sued the US administration to block the order issued on August 6, arguing it is unconstitutional. [Full Article...]
Judge says Trump sabotaged USPS
That lawsuit names Trump as a defendant, along with the Postal Service and DeJoy, accusing the president of infringing on state power to administer elections through his attacks on mail balloting. "The states have demonstrated that the defendants are involved in a politically motivated attack on the efficiency of the Postal Service", Bastian said. [Full Article...]
United Kingdom lawmaker hits Biden for 'lectures' on Brexit after trade deal warning
Democratic presidential nominee Joe Biden says Northern Ireland should not become a casualty of Brexit and Boris Johnson should honour the Good Friday Agreement . British Prime Minister Prime Minister Boris Johnson is proposing new legislation that would break the Northern Ireland protocol of the Brexit divorce treaty that seeks to avoid a physical customs border on the island of Ireland. [Full Article...]
Second wave of coronavirus has arrived in UK, PM says
In a media conference overnight, Johnson also said Downing Street was considering whether the current "Rule of Six" national restrictions which were put in place this week needed to go further. But the government's scientific advisory body warned on Friday that things may sharply deteriorate. Basic mathematics shows us how fast coronavirus cases can grow, in principle. [Full Article...]
Macron rend hommage à Ruth Bader Ginsburg, ''une femme d'exception''
Les républicains disposent de la majorité au sénat jusqu'au 6 janvier prochain, et la durée moyenne de la confirmation d'un juge à la Cour suprême est de moins de 70 jours, ce qui devrait permettre à la majorité républicaine d'y procéder avant Noël. [Full Article...]
Apple to launch iPad keyboard with trackpad included
One of the videos shows precisely how the new Touch ID sensing unit works incorporated into the Power button because the new iPad Air does not have a Home button orFace ID This is the very first time that an iOS gadget is presented with Touch ID constructed into another button besides the Home button. [Full Article...]
California firefighter dies battling wildfire sparked by gender reveal party
Authorities say they won't release the name of the firefighter until family members are notified. Generally, the worst of California's fire season does not arrive until October, but the state has already recorded more than 1.2 million hectares burned, which is a record, according to figures from the Department of Forestry and Fire Protection. [Full Article...]
Two dead, 14 injured in mass shooting in New York`s Rochester
Police in the city of Rochester said they arrived to find around 100 people running down the street. On Monday, Rochester mayor Lovely Warren sacked police chief La'Ron Singletary, who she said initially misled her about the circumstances of Mr Prude's death . [Full Article...]
IPhone 12 Pro Max performance test revealed!
The iPhone 12 Pro Max has achieved a processor score of 167,527, a graphics processor 222,071, 100,808 in the memory test and 81,927 in the interface test. The A13 processor has a 20% increase in CPU performance and a 20% increase in GPU performance relative to the A12 processor. "Handling even the most demanding apps, A14 Bionic makes it even easier for users to edit 4K videos, create gorgeous wo... [Full Article...]
Two dead as rare storm hits central Greece
The islands of Cephalonia, Ithaki and Zakynthos have been hit with power outages and part of the local road network has been cut off, he said. As of Friday morning, there were no deaths or serious injuries reported as a result of the storm, but the full extent of the damage was still being assessed. [Full Article...]
Poland proposes billion-euro European Union fund for Belarus
The border guard service said on its Telegram channel that "checks have been stepped up" and "tactical reinforcements have been deployed", but that "checkpoints are permitting people to enter and leave". In a statement released ahead of the march, opposition leader Sviatlana Tsikhanouskaya , who has taken refuge in Lithuania, praised the "brave women of Belarus". [Full Article...]
Envelope of deadly poison addressed to White House intercepted
Two different tests were reportedly done to confirm it was ricin. a poisonous substance that can be lethal. A facility outside the White House typically screens all mail before it is delivered to the White House. Letters containing ricin ingredients were sent to the president and top military leaders at the Pentagon in 2018. In 2014, "The Walking Dead" actress Shannon Richardson was convicted ... [Full Article...]


Apologies all. We were supposed to come back from sick leave today, and we're definitely no longer sick. Unfortunately there were some other work commitments which got in the way. So, uh, oops.
We should be back Friday, September 20th though. For reallys.
Thanks for your continued patience folks!


Our natural (edible) ristra is hand-tied from New Mexico grown piquin dried chiles. It can be displayed in a kitchen, patio or porch. It makes a simple but thoughtful gift from the Southwest.
Click the button below to add the Full Natural 3" Piquin Chile Ristra (Available late November) to your wish list.


text:
NGC 5495 ist eine 12,8 mag helle balkenspiralförmige Seyfertgalaxie (Typ 2) vom Hubble-Typ SBc im Sternbild Wasserschlange und etwa 296 Millionen Lichtjahre von der Milchstraße entfernt.

Sie wurde am 13. Mai 1834 von John Herschel mit einem 18-Zoll-Spiegelteleskop entdeckt,  der dabei "vF, S, R, bM, N.p. a star" notierte.

Weblinks

Einzelnachweise

redpajama_set_name: RedPajamaWikipedia


Our practice is devoted to the entire range of gynecological services for patients ranging from adolescence through menopause. We pride ourselves on offering a complete line of the most advanced and least invasive treatments for a wide variety of gynecological conditions. Dr. Eder has been, and remains, at the leading edge of technology for women's healthcare.
You can contact our office at (609) 799-5010. We will be happy to answer all of your questions. You can also email our office directly.


text:
module Vectorise.Monad.Naming
  ( mkLocalisedName
  , mkDerivedName
  , mkVectId
  , cloneVar
  , newExportedVar
  , newLocalVar
  , newLocalVars
  , newDummyVar
  , newTyVar
  , newCoVar
  )
where

import Vectorise.Monad.Base

import DsMonad
import TcType
import Type
import Var
import Module
import Name
import SrcLoc
import MkId
import Id
import IdInfo( IdDetails(VanillaId) )
import FastString

import Control.Monad

-- Naming ---------------------------------------------------------------------

-- |Create a localised variant of a name, using the provided function to transform its `OccName`.
--
-- If the name external, encode the original name's module into the new 'OccName'.  The result is
-- always an internal system name.
--
mkLocalisedName :: (Maybe String -> OccName -> OccName) -> Name -> VM Name
mkLocalisedName mk_occ name
  = do { mod <- liftDs getModule
       ; u   <- liftDs newUnique
       ; let occ_name = mkLocalisedOccName mod mk_occ name

             new_name | isExternalName name = mkExternalName u mod occ_name (nameSrcSpan name)
                      | otherwise           = mkSystemName   u     occ_name

       ; return new_name }

mkDerivedName :: (OccName -> OccName) -> Name -> VM Name
-- Similar to mkLocalisedName, but assumes the
-- incoming name is from this module.
-- Works on External names only
mkDerivedName mk_occ name
  = do { u   <- liftDs newUnique
       ; return (mkExternalName u (nameModule name)
                                  (mk_occ (nameOccName name))
                                  (nameSrcSpan name)) }

-- |Produce the vectorised variant of an `Id` with the given vectorised type, while taking care that
-- vectorised dfun ids must be dfuns again.
--
-- Force the new name to be a system name and, if the original was an external name, disambiguate
-- the new name with the module name of the original.
--
mkVectId :: Id -> Type -> VM Id
mkVectId id ty
  = do { name <- mkLocalisedName mkVectOcc (getName id)
       ; let id' | isDFunId id     = MkId.mkDictFunId name tvs theta cls tys
                 | isExportedId id = Id.mkExportedLocalId VanillaId name ty
                 | otherwise       = Id.mkLocalIdOrCoVar name ty
       ; return id'
       }
  where
    -- Decompose a dictionary function signature: \forall tvs. theta -> cls tys
    -- NB: We do *not* use closures '(:->)' for vectorised predicate abstraction as dictionary
    --     functions are always fully applied.
    (tvs, theta, pty) = tcSplitSigmaTy  ty
    (cls, tys)        = tcSplitDFunHead pty

-- |Make a fresh instance of this var, with a new unique.
--
cloneVar :: Var -> VM Var
cloneVar var = liftM (setIdUnique var) (liftDs newUnique)

-- |Make a fresh exported variable with the given type.
--
newExportedVar :: OccName -> Type -> VM Var
newExportedVar occ_name ty
 = do mod <- liftDs getModule
      u   <- liftDs newUnique

      let name = mkExternalName u mod occ_name noSrcSpan

      return $ Id.mkExportedLocalId VanillaId name ty

-- |Make a fresh local variable with the given type.
-- The variable's name is formed using the given string as the prefix.
--
newLocalVar :: FastString -> Type -> VM Var
newLocalVar fs ty
 = do u <- liftDs newUnique
      return $ mkSysLocalOrCoVar fs u ty

-- |Make several fresh local variables with the given types.
-- The variable's names are formed using the given string as the prefix.
--
newLocalVars :: FastString -> [Type] -> VM [Var]
newLocalVars fs = mapM (newLocalVar fs)

-- |Make a new local dummy variable.
--
newDummyVar :: Type -> VM Var
newDummyVar = newLocalVar (fsLit "vv")

-- |Make a fresh type variable with the given kind.
-- The variable's name is formed using the given string as the prefix.
--
newTyVar :: FastString -> Kind -> VM Var
newTyVar fs k
 = do u <- liftDs newUnique
      return $ mkTyVar (mkSysTvName u fs) k

-- |Make a fresh coercion variable with the given kind.
newCoVar :: FastString -> Kind -> VM Var
newCoVar fs k
  = do u <- liftDs newUnique
       return $ mkCoVar (mkSystemVarName u fs) k

redpajama_set_name: RedPajamaGithub


text:
<resources>
    <string name="app_name">Gabriel Round Trip</string>
    <string name="from_server">Image sent from server</string>
</resources>


Hire Writer Exotic Smokes: This company has asked for a proposal conducting an in-depth study of consumer behavior to analyze the market for their new flavored cigarettes, using fruit and candy flavors. The marketing strategy must attract 18 to 25-year-old customers. The purpose of this proposal is to identify successful marketing strategies for flavored cigarette. Schedule The research group is recommending 3-6 months to gather and interpret information concerning the consumer-product relationship through both interpretive and traditional approaches through the use of brainstorming, focus groups, surveys, and secondary research.
These areas should be sourced for information concerning affect and cognition, behavior, and environments involved in both the purchase and consumption of the product. With this information, the research group will be able to better identify with the target market and create effective advertising and pricing for the product launch. The team is recommending an additional 3 months to create suggestive advertising campaigns and pricing point recommendations.
The project should be completed within 9 months total. Each session should include 50 participants. Focus groups will be conducted within various regions of the U.
Recruitment efforts will identify current smokers of flavored cigarettes. Surveys should also be used to collect specific information about the target market. Surveys may be administered by e-mail, mail, or phone, with varying fees. The targeted incident rate is 10 percent, with 500 surveys being completed. Cost per survey type is indicated as follows: The fewer the responses, the higher the price.
The recommended survey may be found in Appendix A. Secondary research may also be utilized to identify who makes up the target market, what their needs are, and potential demand for the product. Other sources include non-profit and government agencies.
Sampling Procedure Sample data for focus group and survey participants may be acquired from cigarette associations and customer lists.
Radio advertisements may also be used on popular stations requesting potential participants call a 1-800 line to sign up for participation. Plan Deliverables The deliverables for the project include the collection of information that accurately identifies with the target market. Adhering to schedule is key. Final deliverables include a proposed product launch that includes advertising, launch dates, and pricing suggestions.
Ethical Considerations Marketers are responsible for the consequences of their actions. As a member of the American Marketing Association, every effort must be taken to ensure conduct adheres to the Code of Ethics as described by the committee. There are ethical considerations that must be considered when marketing flavored cigarettes.
To ensure the impact of smoking cigarettes is continuously communicated, all packaging must include the labeling of known side effects. Additionally, a ban implemented in 2009 made it illegal to sale all flavors outside of menthol Harris, 2009, para.
For this reason, it is recommended that flavoring agents be limited to the use of menthol to ensure full compliance exotic smokes cigarette company consumer behavior outline federal regulations. One-third of this budget includes the fees to complete focus groups and surveys. One-third will be used to cover travel expenses, data interpretation, and resources for proposed marketing techniques.
Finally, the remainder of the budget will be used to cover employee salaries. Conclusion Marketing strategies have a greater likelihood to be successful when done so in a manner that effectively communicates need and value to the target customer. For this reason, consumer behavior must be understood and reflected.
This proposal identifies suggested methodologies for collecting and interpreting such data, timelines needed to complete the research, ethical considerations that must be addressed in marketing, and the recommended budget to ensure a successful product launch of Exotic Smokes Cigarettes. Flavors banned from cigarettes to deter youth. New FDA regs may prompt cigarette package labeling changes. Conducting surveys and focus groups.
Consumer behavior and marketing strategy 8th ed.
Tobacco manufacturers have recently introduced a proliferation of exotic brands new cigarette brands with flavors that appeal to youth. Check out our top free essays on exotic smokes cigarette company to help you write your own essay.
In the case of cigarette smoking these substances are contained when smoking appeared it was often in the exotic portraits in his painting holy smokes,. The project should be completed within 9 months total.
The marketing strategy must attract 18 to 25-year-old customers.
When buying flavored cigarettes, I look for the best deal available in terms of price.
Exotic smokes - download as word doc doc , pdf file pdf , text file txt or read online. For this reason, it is recommended that flavoring agents be limited to the use of menthol to ensure full compliance with federal regulations.
Food and Drug Administration. Flavored tobacco product fact sheet. Representative Consumer Survey Statement of Objective: The purpose of this survey is to identify attitudes and intentions affecting consumer decisions of the target market for flavored cigarettes.
Participants must answer yes to both screening questions before being selected to continue further. Screening Questions Please answer yes or no to the following questions: Do you currently smoke cigarettes?
Are you between the ages of 18 and 25 years old? What is your highest level of education? What is your ethnicity? Is the taste of cigarettes important to you? Why do you smoke flavored cigarettes? How does smoking make you feel? Does your mother or father smoke? What would influence you to try another brand of flavored cigarettes? When buying flavored cigarettes, I look for the best deal available in terms of price. I often use coupons when buying flavored cigarettes.


text:
March 9, 2022 Franklin West SU FWSU, GEMS
GEMS Middle School Students Keep Moving!
Georgia Middle Schools are always looking for ways to stay physically healthy and keep moving. Midday opportunities including offerings like Team Games or Gaga Ball at recess continue to be popular ways many of our students maintain their physical wellness. Physical Education classes are always filled with music, fun, and laughter whether kids are learning to play badminton or enjoying games of "6 Base" or speedball.
However, one area that we are most excited about is the return to full extracurricular activities for our students and the increased opportunities for our students to participate in Georgia Middle School Athletics.
The Georgia School Board approved the expansion of Middle School sports in the last two years giving greater access to students to wear the Georgia Charger Red and Black. The board approved to include 5th and 6th-grade soccer last year. This past fall, 49% of our middle school students were participating in our soccer and/or cross country program! That's an amazing number of student participants!
This winter, while we didn't have enough interest to have a cheerleading team, we did 65 students that joined our basketball team, approximately 25% of our school student population. Our several basketball teams in grades 5/6 and 7/8 were both fun and competitive with other schools throughout the winter. It was a joy to see and hear parents and community members back in the gym to support our student-athletes this winter as the restrictions lifted.
Our Ski and Snowboard program also remains extremely popular within our school community. Even with early cancellations and the loss of Smuggler's Notch lessons, we have about 100 students (39%) that signed up to participate in the program this year. They are looking forward to finishing their last turns on the mountain next week.
This spring, we look forward to offering 7th & 8th-grade baseball and softball for our students. In addition, the School Board's approval to add a Track and Field program to the middle school again provides an increased opportunity for our students to feel a sense of pride to represent their school and community while they work to better themselves through sport.
None of this would be possible without the amazing work and support of our AMAZING Athletic Director, Mike Tuttle. Since this fall, Mike has taken over the work of scheduling and overseeing all our interscholastic sports programs and supervising our coaches. He has worked tirelessly to support our student-athletes have great opportunities and increase our communications with players, parents, and coaches. Georgia is so lucky to have Mike leading our Charger programs!
Athletic Director, Mike Tuttle
Likewise, our Ski and Snowboard Coordinators: Sara Wolfson, Patrick Clow, and John Rowell are invaluable in ensuring this enriching experience is available for all our Georgia Students.
Go Chargers!
Julie Conrad is the Principal of Georgia Middle School and is a regular contributor to THE FWSU STORY. You can follow her on Twitter @JulieConradVT
Tagged Engaged Community Partners, Flexible Learning Environment, Leadership
Sugaring season is upon us
Feedback and Suggestion Requested for the Use of Grant Funds


Your dog or cat may never look forward to his vet visits, but these suggestions can make them a lot less stressful for him, as well as easier on you and your vet.
Let's face it. Most animals don't enjoy going to the vet. In fact, depending on your dog or cat's temperament, a vet visit can be a harrowing experience for both of you. Growing up, I can remember accompanying my parents on our annual trip to the vet with our two dogs. One of them, an animal who daily struck fear into the hearts of mailmen, tried so hard to get away from the vet that he broke a leather collar.
Upon arriving at the vet's office, I was ushered into the back area, where Monster's kennel was placed so high I had to get a stepladder to get him down. The room cleared as everyone expected psycho-cat to go ballistic once he got out. As I cautiously opened the door, a menacing hiss issued from inside. I spoke softly to Monster and gingerly placed my hand within smelling distance. After one whiff, he meowed and calmly walked to the door, allowing me to lift him out. Monster was once again the cat I knew and loved. But it was short-lived. The vet still had not had a chance to examine him, so since I have experience with animals (and the techs were a little afraid of him), I restrained him so she could palpitate his stomach. Suddenly, the monster returned with a vengeance. He hissed, spat, and bit my arm.
We love and cherish our animal companions, so most of us also wish there was some way to make vet visits easier. Since my experience with Monster, I've learned a few tips that have helped make things less stressful for everyone involved.
Because you have a relationship with your animal, your presence is comforting to him. That is why Monster was so willing to come out of his kennel for me, but swatted at anyone else who tried.
Your animal takes his cues from you, so if you stay relaxed, your dog or cat is also more likely to do so. Avoid overly emotional responses to simple procedures like temperature-taking. Speak to the vet in conversational tones and maintain a relaxed body posture. Remind yourself that although these few minutes might be uncomfortable for your companion, he would be a lot more uncomfortable if he developed a disease that could have been prevented or alleviated by routine checkups.
This will reduce anxiety on the ride to and from the exam. If you purchase things from your vet's office, like food or medication, bring your animal along for the ride. This shows him that the car and vet's office are not always negative experiences.
This is the most important advice you will ever receive. Positive reinforcement is the key to any type of behavior modification. Just be aware of what you are reinforcing! A common mistake people make is giving their animals treats when they display anxious behaviors. This inadvertently trains them to be anxious. Give your animal treats only when he is sitting quietly and calmly, and pay as little attention as possible to the anxious behavior. The calm behavior may be fleeting at first, but it will become more prevalent once the animal learns he will get a treat for it. This training will reduce stress, as well as minimize or eliminate the need for any tranquilizing drugs during exams or other travel.


Welcome to central New York and the greater Utica/Mohawk Valley/Syracuse area. This is home to the famous Boiler Maker 15K Road Race, Matts Brewery and Utica National Insurance. Come see the Distance Running Hall of Fame, and enjoy great regional food and beer at one of the many downtown restaurants. Shopping and entertainment can also be found downtown. The Historic Erie Canal and the Mohawk River provide boating and sightseeing, or ride along the banks on the Erie Canalway Trail. The Baseball Hall of Fame is nearby in Cooperstown, and the Turning Stone Casino & Resort and Vernon Downs are just down the road in Verona and Vernon. Syracuse University is under an hour away where many events and activities can be enjoyed.