OnDeck Capital reported second quarter results that showed continued growth in loan originations and improved credit quality metrics. Management stated on a conference call with analysts that the gains in those areas – which in turn boosted top and bottom lines that exceeded Wall Street expectations – came against a backdrop where the firm has been gaining new customers and credit quality has been aided by analytics.
The headline numbers: The company reported earnings of $0.13 a share, eight pennies better than consensus, and revenues were $95.6 million, better than the $92 million the Street had expected.
The company, said CEO Noah Breslow, has delivered $9 billion in loans to that vertical and is on track to mark $10 billion by the fall of this year. The average loan size dipped a bit in the quarter, said Breslow, as relatively more new customers came on board than had been seen before. The effective interest yield came in north of 36 percent, which compares favorably with last year's 33.5 percent.
Of particular note was an improvement in the provision rate, at 5.7 percent versus 7.2 percent in the year ago period, while net charge-off rates have also been better, at 11.2 percent versus 18.6 percent last year. Breslow said that credit quality has remained strong across the lending portfolio and that analytics have helped keep that strength in place. Supplemental materials provided by the company show that the 15-day delinquency ratio was 6.8 percent, where last year it was 7.2 percent.
Breslow also noted that the company was "very active in the capital markets" and raised $400 million in committed funding.
He said, too, that volume in international markets gained 60 percent year on year.
OnDeck remains "on track" for its second service as a bank product. Customers have been taking advantage of instant funding options that come through debit card networks, Breslow noted during remarks to analysts.
Looking toward the current quarter, the firm has raised its guidance, with expectations of unpaid principal balance growth of 10 percent to 15 percent year on year, and a provision rate that comes in at the low end of the 6 percent to 7 percent range. Asked on the call as to why that provision rate might not have been guided lower in light of the second quarter results, management noted the slight risk increase that comes with newer customers, while pointing out, too, that new projects in the pipeline (including the aforementioned second service) have moved past the conceptual stage and into RFP activity.
Taking note of collections activity, Breslow stated that "we are seeing strong results," and that there have been improvements in recovery rates and in tamping down fraudulent activity.
With a nod toward FinTech's landscape in general, and news of Treasury and OCC recommendations for national charters for these tech upstarts, he said "while it is still early," the prospect of such charters remains exciting, and would be a concept that OnDeck would study moving forward.
OnDeck now sees the current quarter top line at $95 million to $100 million, where consensus coming into the call was $96 million.


When I found myself in Palm Springs recently – a tangible three hours away from Universal Studios Hollywood – I knew what had to be done.
Is it possible to not feel glam gallivanting about through Palm Springs? This past week, my friend and I decided to put this question to the test.
But as we rolled into the campgrounds teeming with beer bongs and chanting frat boys in short shorts, we stared, dumbfounded, and realized that we were something else, too.


I am in Salt Lake and the Lovely Sharon is in Palm Desert; 660 miles from me. Yesterday I went shopping. Not a leisurely, strolling type shopping but shopping with a purpose. I needed a new mattress pad and new extra firm pillows. I bought firm pillows a couple of months ago but they seem to be mushy and flat already. I can't say I like mushy, flat pillows, I find them not only physically uncomfortable, but emotionally disturbing. It is as though the life has gone out of them. They lie silently on the bed mushy, flat and dead. I need new pillows, firm, no, extra firm pillows. The last few sets of pillows I have bought were "Chaps" brand. They are not a good brand, don't bother with them. My Palm Desert pillows are nice and extremely firm, just the way I like them. So I decided to go on a pillow pilgrimage.
Like all pilgrimages, I was need in of guidance. I called the Lovely Sharon in Palm Desert. I told her about my mushy, flat and dead Salt Lake pillows and asked her what pillows she bought in Palm Desert. The Lovely Sharon, like a true pilgrim guide, advised me what to do. She advised me to start my trek at TJ Maxx on Draper Parkway. I told her that not only did I need pillows but I also needed a new mattress pad. She told me that there was a good chance that TJ Maxx would have not only the pillows that I so desperately sought but an appropriate mattress pad.
With enthusiasm I drove to TJ Maxx. I parked my car, and walked into the store. As I entered it took only a few seconds to orient myself and locate where the pillows were located. There a number of pillows but not a great number. I checked them all out but located only one extra firm Ralph Lauren pillows. I decided to go to Maceys. However, I did find a pretty nice looking mattress pad at TJ Maxx's so I bought it. As I was walking back to my car, I felt happy that at least one of my chores had been accomplished. I could, with a sense of satisfaction, check the mattress pad off of my lists of things to do.
From TJ Maxx's I drove a few miles north to Maceys. As fortune would have it, as I walked through the door, I was immediately in the pillow department. And what a pillow department it was. There must have been a couple of hundred pillows of all brands, sizes and degrees of firmness. There down pillows, synthetic pillows, foam pillows and other types of composition. After seven or eight minutes I found the mother lode, a two pack of extra firm Ralph Lauren Pillows. Just what I was looking for. I snatched them up immediately.
As I walked to the checkout desk, I wandered through the sheet and pillow case department. I can honestly affirm that in my entire life, I have never bought pillow cases and sheets on my own. I don't know what got into me but I started browsing through the pillow case and sheet department. The first thing I notice was how many brands, colors, thread count and packaging options there were. The other thing I noticed was how expensive some of the items were. I looked for affordable items, good thread count and colors that were acceptable. I am embarrassed to say that I looked through sheets and pillow cases for some 15 minutes. It did not seem like a manly endeavor. It seemed liked something I would stand around watching while the Lovely Sharon looked for sheets. But for some unknown reason, I was in to this pillow case and sheet thing. Maybe the quest for mattress and pillows had expanded in scope to include sheets and pillow cases. After much consideration, I settled upon a single package containing a fitted sheet, a flat sheet and two pillow cases. As I left Macey's, it occurred to me that on this wintery March 3rd day, while other men were skiing or snow shoeing or doing outdoor chores. I had been shopping for mattress pads, pillows, sheets and pillow cases. As stated above, a manly endeavor indeed.
After Maceys, I decided to go to Costco. I needed nine volt batteries, bottled water and a few other things. I found a pair of kaki's and a black sweater each for $14.95. I go to Costco with Sharon in Palm Desert and when she is in Salt Lake, I go to Costco in Salt Lake with Sharon. I can tell you that going to Costco by myself is ok but it is just shopping. Going to Costco with the Lovely Sharon is fun. It is an adventure. We go up and down each aisle looking at everything. To shop at Costco, or for that matter, to shop anywhere with the Lovely Sharon is totally different than shopping by myself. When I shop alone, I have a list, I know what I want and I don't mess around. I go in, I find what I am looking for, I get it and then I get out of there. Shopping with the Lovely Sharon is entirely different. Every item in the store is inspected, considered, touched, held up, scrutinized and then put back to its original location. When the Lovely Sharon shops, no stone is left unturned. The possibility of overlooking a good buy, a treasure does not exist when shopping with Sharon. She checks out everything. I remember once I accompanied to purchase a greeting card. When I look for a card, such as an anniversary cars, I look at a couple, I pick one up, conclude its ok and buy it. The Lovely Sharon picks up and reads every card. It is like a medical researcher looking for a new gene trigger that may cure cancer. The particular trigger that may shut off the bad cells. The researcher has to consider each possible gene trigger. He or she cannot just be satisfied with the first one. They consider all possibilities. Very similar to the Lovely Sharon looking for greetings cards. It makes one wish they had brought a three legged stool to relax on while her analysis process is completed.
Anyway, Costco by myself is not nearly as fun as Costco with the Lovely Sharon. Maybe her headstone should be graved with "She was fun at Costco". Not a bad headstone if you ask me.
All in all it as a nice but quiet day. I was lonely, but I my pillow quest was successful. Next weekend, I think I am going socks and boxer shorts.


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Some people accept bonuses from some regular sites. They are loyal to online casino sites. There are many best casino games available online. Sometime online casinos are falling down but sometimes it grows faster in nook and corner of the gaming industry. People spent trillion dollars of money in online casino to play a gambling game.
The online casino advertisements of gambling game are very popular compare to other advertisements in the internet. The gambling advertisers are the fifth largest advertisers in the internet. It is not a biggest deal to play games online. Just download and install the casino game in your system. The feedback from the people is that online casino is better than the normal casino While playing traditional casinos people can easily judge the opponents playing tactic and tricks but when it comes to online casino you can see your opponent and it is very difficult to predict their way of game hence it would be quite difficult to win online casino games.
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Giant Pen Nib or Ram Rod Holder?
Thread: Giant Pen Nib or Ram Rod Holder?
That's a hard one. I don't know what a ram rod holder looks like but those have the little piece inside like the ink pen tips do, but it's a guess.
That "little spring inside" was an addition to an entry pipe to hold metal rammers in place. Wood rammers usually have enough kink from uneven grain to hold themselves in place. May or may not be what you have IF they are entry pipes.
But I don't know that is what your image shows. They don't look like anything I am familiar with. But then I follow Pennsylvania style longrifles and not European versions. Could also be from a pistol.
Last edited by Charlie P. (NY); Mar 02, 2015 at 08:49 PM.
Charlie P. used the proper terminology, it's called an "entry pipe," and is located on the muzzle loading firearm where the ramrod enters the wood on the fore stock. On a pistol there would be and additional holder near the muzzle, and the proper term for that is "thimble." A muzzle loading rifle would have two thimbles and one entry pipe.
The small flange on the pipe or thimble is use to pin the item to the wooden stock. These pieces are inlet into the wood, and then a pin through the wood and the flange holds the piece in place.
Here is an entry pipe and a thimble showing the flange.
bit harder to to see. That's the pin the holds the barrel in place, and it passes through a flange on the bottom of the barrel. Hopes this helps.
John Winter and gunsil like this.
Due to the high price of ammunition there will be no warning shot.
I moderator on a traditional muzzleloading website and have a couple "good" flintlocks.
It is a 1760+/- style British fowling piece, by the way.
How come my post loaded twice?
T Net likes you twice as much!
It happens to me sometimes but I have no idea why I just delete one post.
LOL, thanks, I needed that.
By Beercanman in forum Today's Finds!
By terrydoo in forum Today's Finds!
By animal in forum Today's Finds!


There is a purpose for everything because God has a plan for everyone.
Sincerest Sympathy.- For You And Your Family During This Difficult Time.
Moms fruit rainbow! Perfect for the St. Patrick's Day Top o' the Mornin!
White Maxi Dress. Curvy Girl!


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Issue 114 Flea
Positive change starts from within. It begins with a single heartbeat that reboots the entire system and refreshes one's state of mind to appreciate the beauty of the new, the unknown. It becomes an infectious glow, radiantly illuminating the lives of others and inspiring them to break the panorama in their own special way.
The final of Clash 114's cover stars is an exemplary model of an artist that has committed himself to generously entrusting his life and work to the proliferation of empathy through the broadening of his own horizons by endlessly experiencing and relating to other cultures.
Red Hot Chili Peppers' iconic bassist Flea has, to the outside world, forever embodied that incandescent spirit. His band was founded in a spark of indomitable energy, and ever since they have been dedicated to spreading that force to anyone who'd listen. But, as his new autobiography, Acid For The Children, will attest, underneath Flea's rapacious curiosity and compassion lie deep fears, anxieties, and pain.
In an exclusive and candid interview with Clash's Editor-In-Chief, Flea opens up like never before on the traumatic past that shaped him, and the unquenchable hunger for humanity that truly motivates him.
"I feel like my purpose is to use art to make people feel less alone, and to use love as a means to make people feel less alone.," he tells Clash. "Because it's a lonely, cruel, harsh world, and when I feel people's pain being expressed in a beautiful way, it touches me in a visceral way; I feel moved, I feel shook, I feel like I've been given a meaning, and that meaning has come from love and compassion, and from people doing everything they can in order to express their compassion through art. Ultimately, if you're trying to make things that are beautiful, we help other people to feel less alone, so I think that that's my purpose in this world."
Also featured in this issue is King Princess, Tame Impala, HAIM, Denzel Curry, Halsey, JPEGMAFIA, AJ Mitchell, Lolo Zouaï, Patti Smith, Nick Mason, Akon, Pop Smoke, Maisie Peters, The Beatles, and many more.
Cover photograph by Bruce Weber/Trunk Archive
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Zacks Investment Research upgraded shares of EVO Payments (NASDAQ:EVOP) from a sell rating to a hold rating in a research note issued to investors on Monday morning, Zacks.com reports.
Several other research firms have also issued reports on EVOP. ValuEngine lowered shares of EVO Payments from a buy rating to a hold rating in a research report on Friday, January 4th. First Analysis started coverage on shares of EVO Payments in a research report on Thursday, January 31st. They set an outperform rating and a $28.00 price target on the stock. Finally, Bank of America lowered shares of EVO Payments from a neutral rating to an underperform rating and reduced their price target for the stock from $28.00 to $23.00 in a research report on Tuesday, January 8th. They noted that the move was a valuation call. One equities research analyst has rated the stock with a sell rating, eight have given a hold rating and five have given a buy rating to the stock. The company currently has a consensus rating of Hold and an average price target of $25.55.
Shares of NASDAQ:EVOP opened at $28.32 on Monday. EVO Payments has a 12-month low of $19.00 and a 12-month high of $30.45.
EVO Payments (NASDAQ:EVOP) last announced its earnings results on Wednesday, March 13th. The company reported $0.13 earnings per share (EPS) for the quarter, missing the Zacks' consensus estimate of $0.18 by ($0.05). The business had revenue of $150.82 million for the quarter, compared to analysts' expectations of $150.70 million. On average, equities research analysts expect that EVO Payments will post 0.55 earnings per share for the current year.
In related news, EVP Michael L. Reidenbach sold 2,000 shares of the stock in a transaction that occurred on Friday, February 1st. The shares were sold at an average price of $25.16, for a total transaction of $50,320.00. The transaction was disclosed in a document filed with the SEC, which is accessible through this link. Also, insider Catherine E. Lafiandra sold 1,000 shares of the stock in a transaction that occurred on Wednesday, February 6th. The stock was sold at an average price of $26.50, for a total transaction of $26,500.00. The disclosure for this sale can be found here. Insiders have sold a total of 15,000 shares of company stock worth $406,420 in the last quarter.
A number of large investors have recently modified their holdings of the stock. Brown Advisory Inc. lifted its stake in EVO Payments by 11.2% in the 4th quarter. Brown Advisory Inc. now owns 2,543,612 shares of the company's stock valued at $62,751,000 after purchasing an additional 256,261 shares during the last quarter. BlackRock Inc. lifted its stake in EVO Payments by 80.9% in the 4th quarter. BlackRock Inc. now owns 1,769,998 shares of the company's stock valued at $43,666,000 after purchasing an additional 791,431 shares during the last quarter. Vanguard Group Inc lifted its stake in EVO Payments by 78.2% in the 3rd quarter. Vanguard Group Inc now owns 1,620,579 shares of the company's stock valued at $38,731,000 after purchasing an additional 711,204 shares during the last quarter. Vanguard Group Inc. lifted its stake in EVO Payments by 78.2% in the 3rd quarter. Vanguard Group Inc. now owns 1,620,579 shares of the company's stock valued at $38,731,000 after purchasing an additional 711,204 shares during the last quarter. Finally, Eagle Asset Management Inc. lifted its stake in EVO Payments by 13.9% in the 4th quarter. Eagle Asset Management Inc. now owns 1,506,803 shares of the company's stock valued at $37,172,000 after purchasing an additional 184,194 shares during the last quarter. 35.96% of the stock is owned by institutional investors and hedge funds.


With over 170 students competing across 12 clubs, the end of year Regional STOMP was set to once again be another exciting day of friendly competition. With all funds raised added to the regional sponsorship pot for Argentina 2018, it was encouraging to see so many students attending and ensuring the day was a real success.
Kick-starting the competition were our 4-7-year old's competing in the Generation-X divisions. Originally designed to introduce students into the world of Taekwon-Do, our regional Generation-X have far surpassed all expectations, entering the event with the confidence and professionalism of our most experienced competitors. After watching an exciting display of pattern work it was time to pad up and prepare for sparring. With busy divisions across all grades, there was certainly no easy route to the top spot on the podium.
The morning session ended with our junior 13+ categories. With black belts called to their rings, this was a great opportunity for our Generation-X to see our champions of tomorrow battle it out for the gold. Whether win, lose or draw each decision was taken graciously, once again showing how great a role model our juniors are becoming to the Generation-X students.
After a short break it was the turn of our cadets to step up and compete. With three rings running throughout the day, the spectators were treated to a nail-biting display of competitive Taekwon-Do, once again highlighting the vast amount of talent progressing through the ranks of Region 1.
As always, each competitor performed to a high standard and it was a true pleasure to watch. As we progressed from white belts through the grades it was encouraging to see their competition experience shining through, shedding light on the importance and positive impact these Regional STOMPS have on the development of our competitors.
To add to the excitement, we also introduced a special technique activity to the day where our cadets and generation-X were encouraged to turn their hand to a bit of breaking. After the event each student was given their broken board as a STOMP memento and symbol of their hard work, courage and perseverance.
At this point we would like to thank all the regional competitors that participated at the end of year STOMP, our friends from Fishponds TKD, Poole TKD, Stoke Gifford TKD and Welwyn TKD, all the umpires/admin that worked tirelessly throughout the day and of course the parents and friends that cheered along from ringside.
We invite and look forward to seeing you all at the next Region 1 STOMP Championships on the 17th March 2018. Keep training hard!


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Marsh ClearSight Announces ODG Return to Work Integration and New Predictive Models in Latest Release
Chicago | May 10, 2016
Marsh ClearSight, a business unit of Marsh, LLC, and a leading provider of risk, safety, and claims management software, today announced the 15.1.3 release of the Marsh ClearSight platform with Official Disability Guidelines (ODG) integration. The 15.1.3 release debuts new functionality to identify potentially high severity claims through predictive analytics, return injured and ill employees to work, and uncover trends with advanced analytical tools.
The new 15.1.3 features focus on helping risk professionals better evaluate, mitigate, and manage risk including:
Workers' Compensation Claim Severity Model: Marsh ClearSight and Oliver Wyman, a leader in management consulting, have partnered to develop a model, through which users can identify good early intervention candidates and effectively allocate their resources to mitigate claim severity. Also included is the ODG Risk Assessment Score.
Return to Work: Users have the ability to manage the end-to-end return-to-work process with insights from the ODG embedded in the app. ODG is the most comprehensive and up-to-date medical treatment and worldwide return-to-work guideline, providing evidence-based decision support to improve as well as benchmark outcomes in workers' compensation, non-occupational disability, and general health insurance.
Business Intelligence Tools: This new app helps users perform advanced analyses to uncover decision-ready insights from their risk, safety, and claims data without the limitations of traditional reporting.
"With a database of more than 60 million claims, Marsh ClearSight has a unique ability to identify predictive indicators around claims severity," said Paul Marushka, president of Marsh ClearSight. "Organizations now have the ability to access insights from 10 million lost-time cases to determine the right treatment plans to get injured workers back to work safer and faster."
Marsh LLC and Oliver Wyman are wholly-owned subsidiaries of Marsh & McLennan Companies (NYSE:MMC), a global professional services firm offering clients advice and solutions in the areas of risk, strategy, and people. To learn more about Marsh ClearSight and this release, please visit www.marshclearsight.com/spring-release/.
About Marsh ClearSight
Marsh ClearSight LLC, a business unit of Marsh, LLC, is the global leader in technology, analytics and data service solutions across risk, safety, and claims management. With the industry's first integrated platform that brings together data-driven workflow applications, analytics and collaboration tools, Marsh ClearSight uniquely provides its customers with actionable insights to optimize decision-making across the risk lifecycle. For more information on Marsh ClearSight, visit: www.marshclearsight.com.
Marsh is the world's leading insurance broker and risk adviser. With over 35,000 colleagues operating in more than 130 countries, Marsh serves commercial and individual clients with data driven risk solutions and advisory services. Marsh is a business of Marsh & McLennan Companies (NYSE: MMC), the leading global professional services firm in the areas of risk, strategy and people. With annual revenue approaching US$17 billion and 76,000 colleagues worldwide, MMC helps clients navigate an increasingly dynamic and complex environment through four market-leading businesses: Marsh, Guy Carpenter, Mercer, and Oliver Wyman. Follow Marsh on Twitter @MarshGlobal; LinkedIn; Facebook; and YouTube, or subscribe to BRINK.
US Media Relations Director 303-952-9453
sally.roberts@marsh.com


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SmartLam Teams With RedBuilt
SmartLam North America and RedBuilt announced a partnership to supply cross-laminated timber (CLT) products and solutions to architects, engineers and contractors for projects using the mass timber building technology.
RedBuilt will serve as exclusive distributor of SmartLam CLT in the Pacific Northwest, West Coast and Southwest, which includes nine states: California, Oregon, Washington, Idaho, Nevada, Arizona, New Mexico, Utah and Montana.
The companies state they will offer the first integrated solution for mass timber building, with highly trained technical sales and design teams, all deeply familiar with mass timber design, manufacturing and installation. "These teams will guide architects, engineers and contractors through the entire design and construction process to streamline workflow and eliminate guesswork."
The SmartLam/Redbuilt partnership will offer a wide array of structural engineered wood solutions, including CLT, GLB, Open Web, I-joists, LVL and connection hardware from a single source, simplifying the building process.
Since establishing North America's first CLT manufacturing facility in 2012, SmartLam has been a pioneer of CLT in the U.S. SmartLam operates two modern production facilities in Columbia Falls, Mont. and Dothan, Ala. The Columbia Falls facility also serves as corporate headquarters.
Casey Malmquist, CEO and Founder of SmartLam North America, is thrilled about this partnership. "SmartLam sees great potential in developing the market though our partnership with RedBuilt. Our team is excited to support and grow the relationship by offering the absolute best products, unmatched service levels, and seamless project delivery to our joint customers throughout the Western U.S."
Since 1958, RedBuilt has been an industry leader in innovative and customized, wood building solutions. Headquartered in Boise, Idaho, RedBuilt operates four manufacturing plants, five design centers, with technical sales team members posted around the country to provide local support.
Don Schwabe, CEO and President of RedBuilt, shares the excitement and benefits of the partnership. "Mass timber is a natural extension to the RedBuilt offering, and Smartlam is the natural choice as our supplier. Our customers are getting the best of both worlds. From design to delivery, they know we will get it done on-time, on-spec, and on budget."
SmartLam has announced plans to build several CLT facilities across the country.
SOMETIMES THE PATHS COME FULL CIRCLE
Plywood Operations Order Lay-Up Lines
Due to the industry-wide challenge to get labor, automation plays a big part in profitable production. This is one of the reasons Richmond Plywood Corp. Ltd. (Richply), Canada, and Tolko Industries…
Peak Renewables Announces SYP Pellet Mill in Alabama
Vancouver, Canada-based Peak Renewables plans to build a 180,000 metric tons per year wood pellet mill in Dothan, Ala. The $30 million project will utilize residuals from Rex Lumber sawmills in the area…
Dieffenbacher Collaborates On EU-funded EcoReFibre Project
Dieffenbacher Collaborates On EU-funded EcoReFibre Project Dieffenbacher and 19 organizations from seven countries have joined forces in the...
APA Names New Chair, Vice Chair; Trustees Join Board
A new chair, vice chair and two new members have been elected to APA-The Engineered Wood Assn.'s Board of Trustees. Ashlee Cribb, vice president of wood products for PotlatchDeltic Corp., has been elected to serve as chair on APA's Board of…


Hello folks , our newly posted coloringpicture that you couldhave fun with is Mr Tubby Bear Collecting Flower In A Bucket In Noddy Coloring Pages, posted on Noddycategory. This below coloring picture height & width is about 600 pixel x 832 pixel with approximate file size for around 98.82 Kilobytes.
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Porto Amboim kan syfta på följande platser:

Angola

 Município Porto Amboim, kommun, Cuanza Sul,
 Porto Amboim (ort i Angola), Cuanza Sul, Município Porto Amboim,

Robotskapade Angolaförgreningar

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A reflection of the seasons of the soul told through a year of flower — Whisper and Brook Flower Co.
Have you ever had an idea simply just bing into your brain-space? It feels like freedom and excitement and a bought of nausea only because it's going to take something real and vulnerable in you to carry out? When this idea came to be, it felt just like that. Have you ever experienced that before? An idea you just immediately fall in love with that you must follow it through. No matter what it takes.
So as the idea popped into my mind and started to change and develop, I found myself staying up at night thinking about it. Colors. Emotions. Flowers (my medium of choice). After weeks of mulling it over this is what it became to be.
A reflection of the seasons of the soul told through a year of flower art. A year long project showcasing the seasons with flowers all the while personifying the spoken and unspoken groans of the human soul in our search for full life and deep never-changing love.
Throughout the next 12 months, I will be creating a flower arrangement the shows off the beauty of each month. The beautiful Olivia Kunz will be photographing each in a Dutch still life form. A woman each month will be modeling following the story line of what I believe is the journey of one's self has in relation to God. Fear and doubt moving to love and acceptance and struggling with receiving such truths that we all so deeply long to know.
Follow along as we start off in January.
I hope that this project brings you life and hope amidst whatever season of the soul you are in.


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TIAA-CREF Institute & Wharton's Pension Research Council Present Innovative Retirement Research to D.C. Policymakers
Senators Portman and Isakson give keynote addresses on the importance of helping Americans better save for retirement
Washington, DC, May 7, 2015 — Two of the nation's leading authorities in retirement research, the TIAA-CREF Institute and the Pension Research Council at the Wharton School of the University of Pennsylvania, today publicly released several research papers that promote financial well-being and sound retirement planning.
At a forum today, "Today's Choices, Tomorrow's Opportunity: Innovations in Retirement Policy and Practice," Senators Johnny Isakson (R-Ga.) and Rob Portman (R-Ohio) gave keynote addresses and research papers were released by thought leaders in academia. Participating in the dialogue about the future of Americans' retirement savings were leaders from both institutions, including TIAA-CREF president and CEO Roger Ferguson, Senior Managing Director and head of the TIAA-CREF Institute Stephanie Bell-Rose, TIAA-CREF Senior Managing Director and head of Institutional Client Services Teresa Hassara, and Executive Director of the Pension Research Council and Wharton Professor Olivia S. Mitchell.
"This forum was a unique and exciting opportunity to bring the policy making and academic communities together in pursuit of innovative solutions to a complex problem," said TIAA-CREF Institute's Bell-Rose. "Amply saving for retirement is a difficult task for anyone, and designing systems that will enable all Americans to do so requires the highest level of critical thinking. The TIAA-CREF Institute is proud of our collaboration with the Pension Research Council."
"The studies sponsored by our joint relationship bring top-notch researchers to focus in on critical questions about pension plan design, financial literacy, and forward-looking retirement payout models," said Wharton's Mitchell. "We are delighted to move the frontier forward with the TIAA-CREF Institute's support."
Among the research released at today's forum:
John Beshears, Harvard University, "Save More Later and Particularly After Your Next Birthday: The Effect of Procrastination on Retirement Savings," which tests whether an option to enroll "later" in retirement plans increases savings by allowing employees to put off, but eventually begin, saving.
Gopi Shah Goda, Stanford University, "The Role of Exponential-Growth and Present Bias in Retirement Saving Decisions," which addresses the effects of lifetime disclosures on retirement contributions.
Olivia S. Mitchell, Executive Director of the Pension Research Council of the University of Pennsylvania, "Complexity of Choice and Defined Contribution Plan Design," which explores how people make choices about retirement plans when the fund investment menu is streamlined.
Pierre-Carl Michaud, Université du Québec à Montréal, "Optimal Saving Behavior: Implications for Financial Education and Policy," which addresses how employers can be actively involved to improve financial literacy and security.
Irina Stefanescu, Board of Governors of the Federal Reserve System presented research exploring how various aspects of a retirement plan's design can influence plan costs.
Executive summaries of the research papers will be available on the TIAA-CREF Institute's website, Today's Choices, Tomorrow's Opportunity: Innovations in Retirement Policy and Practice .
About the TIAA-CREF Institute
The TIAA-CREF Institute helps advance the ways individuals and institutions plan for financial security and organizational effectiveness. The Institute conducts in-depth research, provides access to a network of thought leaders and enables those it serves to anticipate trends, plan future strategies and maximize opportunities for success.
About TIAA-CREF
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Who Really Causes #FailWhales at SXSW?
I'm having a great time here in Austin representing Crimson Hexagon to the wonderfully nerdy SXSW-Interactive masses. We are part of the Porter Novelli tent that just announced their upcoming social media platform, which will combine our tool along with the impressive influencer analysis from our friends at Traackr and workflow from Spredfast to fully dominate the social media monitoring and sentiment analysis world.
We've been hearing people complain about how Twitter failwhales have been popping up all over the place as SXSW tweeters barrage the site. It's unusual to walk into a room or party at SXSW that doesn't have a solid majority of occupants staring at their iPhones and/or laptops. We thought, why not check out what people are really talking about at SXSW.
As you can see, one sixth of the tweets with the SXSW hashtag are loving the convention and another 13% are using this weekend as an opportunity to meet up with bloggers, clients, partners, luminaries, gurus and others. All the fun that those people are having made 17% wish they were attending themselves.
Finally, over a quarter of the tweets about SXSW were people complaining about how Twitter and Foursquare are slow because of SXSW! So yes, SXSW Twitter discontents, Twitter may be going a little slower lately, but look no further than your own thumb as it types out complaints to find the culprit.


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University Archives Collections
Home UNCG University Archives 2007-11-18 Riley [recital program]
2007-11-18 Riley [recital program]
U N C G
Calandra Riley
assisted by:
Brandon Slocumb, trombone
Inara Zandmane, piano
Josh Cvijanovic, xylophone and bells
Michael Haldeman, timpani
Matthew Hill, percussion
Michael Lasley, vibraphone
Stephanie Sanders, drumset
Michael Wood, marimba
Senior Recital
Recital Hall, School of Music
Ilijas (1996) Nebojsa Jovan Zivkovic
(b. 1962)
True Colours (2006) John Thrower
Rebellion (1996) Stephen Rush
Katamiya (1995) Emmanuel Séjourné
Concerto for Marimba and Percussion Ensemble (1986) Ney Rosauro
Saudação (Greetings) (b. 1952)
Lamento (Lament)
Dança (Dance)
Despedida (Farewell)
Calandra Riley is a student of Mr. Andrew Dancy
In partial fulfillment of the degree requirements for the
Bachelor of Music in Music Education
Ilijas is a rhapsodic composition, titled after a small town in the former Yugoslav republic of
Bosnia. It has a clear associations with folk tunes of that picturesque Balkan area, as well as
mixed rhythms and tonal scales whose roots could be found even further East. In the introduction
of the piece, Zivkovic calls for a very unusual marimba technique that produces sounds that
remind us of a Franz Liszt grand piano sound.
The middle part, however, uses typical marimbistic patterns, masterly composed in a number of
various odd meters with melody in the octaves played by the right hand.
The varied repetition of the opening part leads for a moment in a major keys, but after that short
"light of hope" the music goes back to the melancholy mood and ends peacefully, dying away...
-NJZ
Nebojsa Jovan Zivkovic (b. 1962) completed his master's degrees in composition, music theory,
and percussion in Mannheim and Stuttgart, Germany. He tours extensively throughout Europe,
and performs frequently in the USA, Japan, Taiwan, Korea, Latin America, Russia, and
Scandinavian countries. Since 2003, he is the percussion department chair and visiting professor
at the University of NOVI SAD, Serbia (his home town). In addition to his full time composing and
concert activities, he gives master classes and seminars in Latin America and almost annually in
True Colours was written for marimba Bogdan Bácanu who wanted a piece which should, in his
words 'go very deep – filled with sadness'. Almost immediately the name 'True Colours' came to
True Colours is an appellation to everyone to recognize your own true colours, whatever they
might be, but at the same time – respect the individuality and characteristics of others, even if it
seems something beyond our own understanding. There is nothing wrong with difference of
opinion, yet still – we must always show respect.
-JT
John Thrower (b. 1951) studied composition in Toronto with John Weinzweig and Gustav
Ciamaga. He also studied computer music in Stockholm at the EMS studios. He was the
youngest conductor of the University of Toronto. In 1979, he got the 1st and 2nd price at the CBC
Radio Competition for composition. In the early 1980's, Thrower was a prominent composer in the
contemporary music in Canada. He had concerts with major composers such as John Cage,
Luciano Berio and others. However, Thrower turned away from contemporary style music, calling
his music CLASSIC FUSION.
Rebellion is about an urge, not a cause. It is a small portrait of energy, a capsule of the feeling
that an urgent need for change is felt or foreseen, and the beginnings of that change are even
portrayed in the final bombast of this piece.
-SR
Stephen Rush is an Associate Professor at the University of Michigan, where he works in an
interdisciplinary capacity in five departments with music, dance, art, engineering, and other
students. He is the director of the Digital Music Ensemble, and the Music Director of the Dance
Department. He was awarded, with his choreographer/collaborator Sandra Torijano-DeYoung the
Mention Honorifico from the Government of Costa Rica for innovative work in Modern Dance. He
is also known as a jazz pianist, performing with his electronic jazz group "Quartex", with jazz
legend Roscoe Mitchell, and as a co-producer of the radio series, "Uncharted Jazz" on NPR.
Katamiya is dedicated to the two winners of the "International Percussion Competition
Luxembourg" 1995: Momoko Kamiya and Katarzyna Mycka. Katamiya is a lyric and melodic
theme on an ever pulsating rhythm. I think that any piece of music, whether popular or modern
contemporary, features a kind of "groove" to be found and/or reinvented by the performer.
-ES
Emmanuel Séjourné (b. 1961) studied classical music at the National Conservatory of
Strasbourg (piano, violin, music history, and analysis) where he is now head of the percussion
department. He was introduced by Jean Batigne, Director and Founder of the Percussions de
Strasbourg, to the world of percussion, particularly in contemporary and improvised music. He
now specializes in keyboard percussion (vibraphone and marimba). Since 1981, he has been
active both as composer and a performer.
The Concerto for Marimba and Percussion Ensemble was originally written for marimba and
string orchestra and was premiered in the USA the same year with the Manitowoc Symphony
Orchestra in Wisconsin under the direction of Manuel Prestamo. With the commercial success of
a 1990 CD and video by Scottish percussionist Evelyn Glennie and the London Symphony
Orchestra, the Concerto rapidly came to be regarded as part of the standard literature for
percussion. It is considered to be the most popular marimba concerto today, and has been
performed by more than eight hundred orchestras worldwide.
The concerto contains four movements - unusual for the concerto form – which follow the fast-slow-
fast pattern, with the medium tempo third movement inserted before the vigorous finale.
Rosauro writes:
Originally I was going to call it "Serenata" for marimba and orchestra. A "Serenata" is a
serenade, like you go to the window of a loved one and you make a greeting, then a
lament, when you sing something sad, then to show off you do a dance—something
lively—and finally a farewell. This is where the ideas for the movement titles came
Some Brazilian motifs and jazz elements are used throughout the piece, which contains strong
rhythmic patterns and catchy melodies. The marimba leads the thematic material throughout
much the piece, and as a result, the marimba part of certain movements can be performed solo,
without orchestral accompaniment. The solo part explores the many possibilities of modern four-mallet
technique, and according to reviews from Percussive Notes magazine "the concerto is
superbly written for the unique timbre and virtuoso technical qualities of the marimba."
-NR
Ney Rosauro (b. 1952) began his current position as Director of Percussion Studies at the
University of Miami in Coral Gables, Florida, USA in 2000. Dr. Rosauro studied Composition and
Conducting at the Universidade de Brasilia (Brazil). He then received the Masters Degree in
Percussion at the Hochschule fur Musik Wurzburg in Germany under Prof. Siegfried Fink. He
completed his Doctorate at the University of Miami under the supervision of Fred Wickstrom.
Dr. Rosauro has appeared in concert solo, and as a soloist with orchestras, in more than 35
different countries, including the most prestigious International Percussion Festivals.
Title 2007-11-18 Riley [recital program]
Creator University of North Carolina at Greensboro. School of Music, Theatre and Dance
Subject headings University of North Carolina at Greensboro. School of Music, Theatre and Dance
University of North Carolina at Greensboro
Place Greensboro (N.C.)
Description Fall 2007 programs for recitals by students in the UNCG School of Music.
Original format programs
Original publisher Greensboro N.C.: The University of North Carolina at Greensboro
Source collection UA9.2 School of Music Performances -- Programs and Recordings, 1917-2007
Series/grouping 1: Programs
Finding aid link https://libapps.uncg.edu/archon/index.php?p=collections/controlcard&id=608
Additional rights information NO COPYRIGHT - UNITED STATES. This item has been determined to be free of copyright restrictions in the United States. The user is responsible for determining actual copyright status for any reuse of the material.
Object ID UA009.002.BD.2007FA.999
Full Text School of Music U N C G Calandra Riley percussion assisted by: Brandon Slocumb, trombone Inara Zandmane, piano Josh Cvijanovic, xylophone and bells Michael Haldeman, timpani Matthew Hill, percussion Michael Lasley, vibraphone Stephanie Sanders, drumset Michael Wood, marimba Senior Recital Sunday, November 18, 2007 7:30 pm Recital Hall, School of Music Program Ilijas (1996) Nebojsa Jovan Zivkovic (b. 1962) True Colours (2006) John Thrower (b. 1951) Rebellion (1996) Stephen Rush (b. 1958) Intermission Katamiya (1995) Emmanuel Séjourné (b. 1961) Concerto for Marimba and Percussion Ensemble (1986) Ney Rosauro Saudação (Greetings) (b. 1952) Lamento (Lament) Dança (Dance) Despedida (Farewell) Calandra Riley is a student of Mr. Andrew Dancy In partial fulfillment of the degree requirements for the Bachelor of Music in Music Education Program Notes Ilijas is a rhapsodic composition, titled after a small town in the former Yugoslav republic of Bosnia. It has a clear associations with folk tunes of that picturesque Balkan area, as well as mixed rhythms and tonal scales whose roots could be found even further East. In the introduction of the piece, Zivkovic calls for a very unusual marimba technique that produces sounds that remind us of a Franz Liszt grand piano sound. The middle part, however, uses typical marimbistic patterns, masterly composed in a number of various odd meters with melody in the octaves played by the right hand. The varied repetition of the opening part leads for a moment in a major keys, but after that short "light of hope" the music goes back to the melancholy mood and ends peacefully, dying away... -NJZ Nebojsa Jovan Zivkovic (b. 1962) completed his master's degrees in composition, music theory, and percussion in Mannheim and Stuttgart, Germany. He tours extensively throughout Europe, and performs frequently in the USA, Japan, Taiwan, Korea, Latin America, Russia, and Scandinavian countries. Since 2003, he is the percussion department chair and visiting professor at the University of NOVI SAD, Serbia (his home town). In addition to his full time composing and concert activities, he gives master classes and seminars in Latin America and almost annually in the United States. True Colours was written for marimba Bogdan Bácanu who wanted a piece which should, in his words 'go very deep – filled with sadness'. Almost immediately the name 'True Colours' came to mind. True Colours is an appellation to everyone to recognize your own true colours, whatever they might be, but at the same time – respect the individuality and characteristics of others, even if it seems something beyond our own understanding. There is nothing wrong with difference of opinion, yet still – we must always show respect. -JT John Thrower (b. 1951) studied composition in Toronto with John Weinzweig and Gustav Ciamaga. He also studied computer music in Stockholm at the EMS studios. He was the youngest conductor of the University of Toronto. In 1979, he got the 1st and 2nd price at the CBC Radio Competition for composition. In the early 1980's, Thrower was a prominent composer in the contemporary music in Canada. He had concerts with major composers such as John Cage, Luciano Berio and others. However, Thrower turned away from contemporary style music, calling his music CLASSIC FUSION. Rebellion is about an urge, not a cause. It is a small portrait of energy, a capsule of the feeling that an urgent need for change is felt or foreseen, and the beginnings of that change are even portrayed in the final bombast of this piece. -SR Stephen Rush is an Associate Professor at the University of Michigan, where he works in an interdisciplinary capacity in five departments with music, dance, art, engineering, and other students. He is the director of the Digital Music Ensemble, and the Music Director of the Dance Department. He was awarded, with his choreographer/collaborator Sandra Torijano-DeYoung the Mention Honorifico from the Government of Costa Rica for innovative work in Modern Dance. He is also known as a jazz pianist, performing with his electronic jazz group "Quartex", with jazz legend Roscoe Mitchell, and as a co-producer of the radio series, "Uncharted Jazz" on NPR. Katamiya is dedicated to the two winners of the "International Percussion Competition Luxembourg" 1995: Momoko Kamiya and Katarzyna Mycka. Katamiya is a lyric and melodic theme on an ever pulsating rhythm. I think that any piece of music, whether popular or modern contemporary, features a kind of "groove" to be found and/or reinvented by the performer. -ES Emmanuel Séjourné (b. 1961) studied classical music at the National Conservatory of Strasbourg (piano, violin, music history, and analysis) where he is now head of the percussion department. He was introduced by Jean Batigne, Director and Founder of the Percussions de Strasbourg, to the world of percussion, particularly in contemporary and improvised music. He now specializes in keyboard percussion (vibraphone and marimba). Since 1981, he has been active both as composer and a performer. The Concerto for Marimba and Percussion Ensemble was originally written for marimba and string orchestra and was premiered in the USA the same year with the Manitowoc Symphony Orchestra in Wisconsin under the direction of Manuel Prestamo. With the commercial success of a 1990 CD and video by Scottish percussionist Evelyn Glennie and the London Symphony Orchestra, the Concerto rapidly came to be regarded as part of the standard literature for percussion. It is considered to be the most popular marimba concerto today, and has been performed by more than eight hundred orchestras worldwide. The concerto contains four movements - unusual for the concerto form – which follow the fast-slow- fast pattern, with the medium tempo third movement inserted before the vigorous finale. Rosauro writes: Originally I was going to call it "Serenata" for marimba and orchestra. A "Serenata" is a serenade, like you go to the window of a loved one and you make a greeting, then a lament, when you sing something sad, then to show off you do a dance—something lively—and finally a farewell. This is where the ideas for the movement titles came from. Some Brazilian motifs and jazz elements are used throughout the piece, which contains strong rhythmic patterns and catchy melodies. The marimba leads the thematic material throughout much the piece, and as a result, the marimba part of certain movements can be performed solo, without orchestral accompaniment. The solo part explores the many possibilities of modern four-mallet technique, and according to reviews from Percussive Notes magazine "the concerto is superbly written for the unique timbre and virtuoso technical qualities of the marimba." -NR Ney Rosauro (b. 1952) began his current position as Director of Percussion Studies at the University of Miami in Coral Gables, Florida, USA in 2000. Dr. Rosauro studied Composition and Conducting at the Universidade de Brasilia (Brazil). He then received the Masters Degree in Percussion at the Hochschule fur Musik Wurzburg in Germany under Prof. Siegfried Fink. He completed his Doctorate at the University of Miami under the supervision of Fred Wickstrom. Dr. Rosauro has appeared in concert solo, and as a soloist with orchestras, in more than 35 different countries, including the most prestigious International Percussion Festivals.
CONTENTdm file name 197589.pdf


text:
Q: Query on the use of bootstrapping in the context of clinical trials I would be most grateful for the opportunity to discuss the utility of the bootstrap method in managing sampling error in randomized controlled trials where the treatment allocation has been administered by simple random sampling (assuming that for practical reasons, this method is the best option). I appreciate that assuming a significance level of 5%, there is a 5% chance of obtaining a false positive outcome on comparing the same factor at baseline across the treatment and control group for multiple treatment allocations applied to the same sample using simple random sampling, as the above sampling procedure cannot completely rule out covariate imbalance. Furthermore, covariate imbalance may exist in the absence of statistical significance.
While it would seem impractical to bootstrap using multiple treatment allocations, I am interested in the utility of taking multiple bootstrap samples from the treatment and control groups for a single random treatment allocation and calculating the effect size and 95% CI. This approach does not appear to gain much coverage in the medical literature.   Therefore, I would welcome opinions on whether it would help to reduce the influence of covariate imbalance, thus possibly leading to a more respectable effect size and corresponding CI than that forthcoming from using a single comparison without sampling across the treatment and control groups. I hope that I have explained my ideas sufficiently clearly. I would welcome questions if that is not the case.

redpajama_set_name: RedPajamaStackExchange


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Gov. Paul LePage delivers a speech recently in Portland.
SOUTHWEST HARBOR, Maine — Richard and Lorraine Stanley got the chance to go straight to the top Friday to talk to state officials about the economic challenges facing Maine's boating industry.
Gov. Paul LePage visited their boatyard, Great Harbor Boatworks, for about an hour Friday morning while on official business on Mount Desert Island. LePage also toured The Jackson Laboratory in Bar Harbor on Friday afternoon.
LePage spokeswoman Adrienne Bennett said Friday morning that the governor's visits were closed to the news media.
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CERN-MEDICIS (Medical Isotopes Collected from ISOLDE) is a unique facility designed to produce unconventional radioisotopes with the right properties to enhance the precision of both patient imaging and treatment. It will expand the range of radioisotopes available for medical research – some of which can be produced only at CERN – and send them to hospitals and research centres in Switzerland and across Europe for further study.
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Precision medicine – CERN Knowledge Transfer activities within medical applications are featured in the CERN Courier.


I am a professional photographer, and graphic artist that has always had a passion for cars. My love of fast things has become a reality this year as I began racing my 1966 Mini Mark 1S 'Bridget' in Vintage racing circuits (VDCA, SVRA, and SCCA).
I began what is now known as MLD or Motoring Life Designs as an outlet for my creativity. Designing graphics for t-shirts, vinyl decals, and grill badges has been an extension of my photography, and my customers requests always keep me pushing my expertise. I enjoy a challenge, and continually learn as I create!
When I am not traveling the World attending events you will find me on the track. I am a track instructor as well as a licensed race car driver. Currently I race on tracks on the East Coast such as VIR, Road Atlanta, Watkins Glen, Mid-Ohio as well as some less known small tracks. There is nothing like being strapped into a 1300 lb - 150 hp Mini that red lines at 9300 rpms - the thrill keeps a smile on your face!
If you have a design in mind or have an event that you think I would enjoy- send me a message. You just never know where I might show up!


Kakao-backed firm Dunamu is reportedly launching a blockchain service platform designed to help companies start businesses.
Disclaimer: this article previously implied that Dunamu was a subsidiary of Kakao. It has been updated for accuracy.
Dunamu, a firm backed by South Korea's largest Internet corporation Kakao, is reportedly launching a blockchain service platform designed to help companies start businesses. Korea's JoongAng Daily reported the news on March 19.
Kakao participated in Dunamu's Series A funding round in 2015, which totalled 2 billion Korean won (about $1.7 million).


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Siphiwo Zenzile (30), Digital Media
For 30-year-old Siphiwo Zenzile, being an entrepreneur means using his ideas as a vehicle to bring forth positive change in people's lives – indirectly and directly. Describing himself as a creative, Siphiwo's business offers a range of services like Branding, Graphic Design, Web Design and Social Media Management.
"NVS has introduced me to new ways of looking at things in my personal life, as well as in my journey as an entrepreneur. Going forward I'm excited about using what I am learning in my next business moves. "
Saadiqah Ariefdien (24), Business Consulting
Saadiqah Ariefdien is a young woman that means business. She owns and manages her own HR, Project Management and administration company called Saadz Business Consultants – currently focussing on disabled learnerships.
"I have a passion for business as a whole, I see myself becoming a successful entrepreneur and expanding my businesses. New Ventures Studio has guided me in the right direction in seeking my passion and goals. Thank you NVS for all the support and guidance - greatly appreciated."
She has been working for and with her father, who is disabled himself, since the early age of nine years old, helping out with administration before branching off to start her own company.
Ashley Epstein (25), Innovative Agriculture
Ashley Epstein is a 25-year-old entrepreneurial import from Mauritius. He wants to be an entrepreneur because it is "an unlimited avenue where Innovation, creation and growth can meet." He firmly believes that Entrepreneurship is, can and will change the world.
He is currently exploring the idea of Sustainable Urban Farming through the use of Indoor Vertical Farming technology as a way to provide food security in Large Urban areas.
"NVS Has been an incredible learning curve and one that I will never forget. I now feel confident and excited to explore any idea that comes to mind by implementing the tools and techniques that I have learned through the process. The course structure, information and presentation were spot on."
I experience Highlights every day of being on this beautiful planet and the main highlights to date have been to learn the ins and outs of creating a sound business plan with the aim of constantly making progress to move the vision forward.
Meet the New Ventures Studio
Entrepreneurs from JAN 2016
Yoliswa Gqirana (31), Wellness Centres
Yoliswa Gqirana is the type of person inspired by change and challenges, "If it does not challenge me then it's not worth it. Being an Entrepreneur to me means doing what I love while being in charge of my own income. There is nothing more exciting for me in this word. I embrace the sweat that comes with knowing that I am building an empire for myself and my customers."
She sees herself as one of the big names in the world of health and fitness, specialising in the people of the Townships. She would like to be able to change people's mind-sets and mostly importantly teach the importance of healthy living and exercise amongst other things.
"I sit here knowing that there are people out there who lack the information and knowledge that I have learned (through the NVS course) about life - to be able to live life to the fullest. My mission is to reach out to those people by doing what I do and helping them open their eyes in order to start enjoying the journey of life."
Zuko Jack (31), Hospitality
Zuko Jack is a gourmet food and music entrepreneur who endeavours to lead the trend of pop up events and functions. Driven for success, Zuko lives by a quote from Winston Churchill "History will be kind to me, for I intend to write it."
He says that New Ventures Studio has been a great platform for him to redefine his story. "Each classroom is a melting pot of creativity and inspiration. Having worked in the corporate world in various positions for the past eight years, I found the fire burning within me being slowly extinguished. NVS has been a force that has re-ignited the fire that was slowly dying."
He adds that the support he received is a constant reminder to him that he is well on his way to launching his restaurant empire.
Unathi Jantjies (28), Hospitality
Hailing from one of Cape Town's finest townships, Gugulethu, Unathi Jantjies is a passionate and driven entrepreneur in the Hospitality (Food & Beverage) industry. Unathi desires to open a gourmet food restaurant in her community that will offer South African cuisine with a twist.
"My top highlights in the course so far have been the Transformation-Leadership workshop, learning how to start-up, learning to compile a business plan and most importantly, being granted the opportunity to meet and attend a free course with one of South Africa's well known best chef, Shanaaz Parker."
Being an entrepreneur has always been a life-long dream for Unathi, who plans to achieve her goals and inspire young black females all around South Africa."
Marlise Roberts (31), Cleaning Service
Marlise Roberts is a 31-year-old wife and supermom of three. "The reason for me becoming an entrepreneur did not happen overnight – various factors contributed to this. I needed to implement my work ethic to benefit myself and my family, to boost my financial situation and also to make a change, both socially and personally. I needed to be more and do more."
With the unemployment battle in her community she knew that she wanted to create employment, bring about change and the positivity needed.
"With the help of the New Ventures Studio, I now see myself amongst the most successful business woman in South Africa. In this short time I've been with NVS, I have received the tools to be successful and also discovered 'ME' and the greatness I have within. For that I will be forever grateful."
Zaheer Petersen (29), Property Development
Zaheer Petersen is 29 years old and loves a good challenge. "The reason I chose the path of an entrepreneur is because I like the challenge of doing things differently, as South Africa does not have many people going in that direction. It offers me a challenge in transforming my own life through starting my own business which I would be directly responsible for."
He is moving into the affordable housing sector where the market is massive and the demand offers huge potential for profit. He wants to supply eco-friendly houses to low and middle income families and individuals.
"Starting this course I assume it would be a walk in the park. However, where I am now I realize how wrong I was. In 5 years I see myself running a successful company that is well known in the Cape Town community for the difference we made in so many lives and for challenging people to think differently."
"My highlight of the course was meeting Vicky Coates and experiencing the Transformer Leadership course. I really felt that she was speaking to me personally."
Alexandra Norris (26), Therapist
Lexi Norris is a twenty-six-year-old British expat in the business of empowering parents to help create a generation of emotionally intelligent children.
"Although some people consider mental health care a luxury, I consider it a necessity. I have created a company making psychologically educational products for parents and kids. I believe a lot of us lack the support and know-how to manage challenges in our lives, it is my dream to provide a product and service to make the access to this information and support widely available.
She once read the quote that "Ambition is believing in yourself even when no one else does. "I believe ambition and drive are what make a good entrepreneur and I have these in bucket loads. As well as this is I love taking calculated risks. Many people find themselves building someone else's dream due to the fear of risk and failure. I believe in myself and my dreams and I want my job to be my passion. I have always been an individual who is not afraid to break free from the pack, my fear is not to work for myself but to work towards something I don't believe in for someone whose values I cannot align myself with.
Saarah Ebrahim (22), Fashion Designer
Saarah Ebrahim is a 22-year-old local fashion designer living out her childhood fantasy.
"As a young girl, as many do, I imagined myself having a clothing brand and decided to venture into this dream by obtaining my degree in Fashion Design. The urgency and passion grew stronger as time passed and I am now on my way to launching Elia Kids fashion wear for young girls. I am privileged to be a part of the New Ventures Entrepreneurial course where I have gained an immense amount of knowledge that will guide my way forward on becoming a successful entrepreneur."
Tawanda Manyika (25), Healthy Fast Food Chain
Tawanda Manyika is a 25-year-old from Zimbabwe who wants to be an entrepreneur to bring change in the world. "I believe that I was created for a purpose and a reason and that is what drives me every day to lead a purpose driven life. I would like to describe myself as the food saviour who is starting a food revolution."
He is in the HEALTHY FAST FOOD INDUSTRY looking to launch SALVADOR, because fast food can be healthy!
"New Ventures Studio has opened my horizons. I came to the course with no clue on how to start a business, though I knew exactly what I wanted to do. With my coaches help they have directed me, shoulder to shoulder to create a meaningful business plan."
Currently his business plan is shaping up and making a lot of sense, the vision is becoming clear. He is more importantly convinced he will be able to implement and execute it.
Wendy Somlavi (22), Public Service
Wendy Somlavi is a young entrepreneur that thrives in the passion of her fellow millennials that live in the spirit of "vuka uzenzele" which means to take your future in your own hands. As a procurement supplier of quality toilet paper, Wendy has a dream of running her own profitable toilet paper and cleaning products manufacturing business, including a bin cleaning service for local communities based in Khayelitsha.
Driven to attain success, Wendy says that she is haunted by the dream of building her own empire one day and leaving a remarkable legacy in South Africa.
"I want to open opportunities for other under privileged millennials and build a well-known household brand in Mzansi. I enjoy the feeling of knowing I created something from nothing and finding opportunities out of simple and innovative things that enable other people to put food on the table."
Wendy says that her experience with New Ventures Studio has been remarkably positive.
Khululekani Nyobole (26), Cleaning Products
"Khulah" Nyobole is 26-years-old and living in Khayelitsha. "In my upbringing I was always fascinated by a hygienic lifestyle. I enjoyed creating a clean and healthy environment for my household and for the community."
However, the growing rate of environmental degradation surrounding him brought his attention to the opportunity of venturing into the cleaning industry. "I want to be an entrepreneur because I want to bring the change in our communities. I want to create a platform for people to grow economically while sustaining the environment at the same time."
He sees an irony in that the majority of poor people are the ones using products that are not eco-friendly. "Thus, I am bringing the eco-friendly cleaning products to the communities at an affordable price."
"New Venture Studios did not only help me with formulating and structuring my business, but the organization transformed my life. I am more optimistic about my life."
Mfundo Ntoni (19), Online Advertising
Mfundo Ntoni is a nineteen-year-old from Wellington aspiring to be the first entrepreneur in his family of four. After complementing his matric in 2014, he enrolled at Damelin College to do his Diploma in Journalism and Media Studies, but unfortunately had to drop out due to financial restrictions. He started attending entrepreneurship courses to learn more about the business world. Late last year he saw the New Ventures Studio ad on Facebook, applied and was accepted into the course.
"I have learnt a lot in a very short space of time. One of my highlights of the course is when I had to conduct customer discovery interviews, validating the assumptions I had made with my potential clients. What I took out from that experience is that, where there is a problem, there is business and money to be made, all one has to do is to come up with a solution. Hence I came up with an idea of an online advertising platform, for small and medium enterprises who cannot afford advertising."
I see myself having a sustainable business that will create employment for people in my community, and contribute towards the economy of the country.
Ziglinde de Jager (26), Leadership Training
Ziglinde de Jager is an out-of-the-box thinker, business lover and dreamer. Her desire to see people living in their truth has led her in creating Pioneers Arise, a business that will change and challenge the way people think about business by giving them training in personal leadership.
"NVS has helped me pin down my big dreams to a plan that is tangible and presentable to businesses, so I can start making this dream a reality."
She adds that in the course she has been motivated and inspired by the NVS mentors and classmates.


'Response' (or 'Responding to the risks from climate change') is a three-year Project supported by the LIFE financial instrument of the European Community, launched in December 2006. The Project provides a framework for understanding and preparing for the impacts of climate change around the European coastline.
The RESPONSE Project publications can assist organisations managing the coastline in assessing and prioritising the risks arising from climate change impacts on natural hazards, to inform the planning process.
The Project has demonstrated regional-scale mapping of coastal evolution and risks, taking account of the impacts of climate change. It has also examined the current and future costs of coastal natural hazards, to encourage cost-effective solutions. Nine Partner organisations in the United Kingdom, Italy, France and Poland have participated, led by the Isle of Wight Council's Centre for the Coastal Environment, UK.


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Disneyland Reaches Reopening Agreement With 11 Cast Member Unions
By Mr. DAPs|2020-10-14T08:49:49-07:00October 14th, 2020|Categories: Disneyland Resort, Parks|Tags: agreement, Coronavirus, COVID-19, Deal, Disney, Disney California Adventure, Disney Geek News, Disney News, Disneyland, Disneyland Resort, reopening, Theme Parks, Unions|
The Disneyland Resort has reached agreements with 11 of its cast member unions. The deal will allow the Disneyland Resort to recall cast members quickly whenever they are able to reopen. According to the OC [...]
Disney Reaches Deal for Return of Walt Disney World Unions
By Mr. DAPs|2020-05-15T10:50:19-07:00May 15th, 2020|Categories: Parks, Walt Disney World Resort|Tags: Coronavirus, COVID-19, Disney, Disney Geek News, Disney News, reopening, Safety, Unions, Walt Disney World Resort|
Disney has reached a deal with one of the major unions at the Walt Disney World Resort ahead of their return to work. The news comes from a statement from the Service Trades Council Union [...]
Walt Disney World Reaches Furlough Deal with 43,000 Cast Members Amid Coronavirus Crisis
By Roger Rabbit|2020-04-11T13:33:06-07:00April 11th, 2020|Categories: DAPs Magic News, Parks, Walt Disney World Resort|Tags: Coronavirus, COVID-19, Disney, Disney Geek News, Disney News, Furlough, Furloughs, Unions, Walt Disney World Resort|
Walt Disney World has announced plans to stop paying wages to 43,000 Cast Members on April 19 in what is the largest wave of furloughs since the Resort closed in mid-March because of the coronavirus [...]
American Federation of Musicians, Local 389, Ratifies New Labor Agreement with Walt Disney World Resort
By DAPs Magic|2012-02-21T10:16:28-08:00February 21st, 2012|Categories: DAPs Magic News|Tags: AFM, American Federation of Music, Cast Members, DAPs, Disney News, Local 389, Magic, Musicians, Steve Eisenhardt, Unions, Walt Disney World Resort|
DAPs Magic Disney News - PRESS RELEASE New 6-year agreement covers more than 400 musicians performing across Walt Disney World Resort LAKE BUENA VISTA, Fla., Feb. 13, 2012 - Members of the American Federation of Musicians (AFM), [...]


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https://www.ncadvertiser.com/sports/high-school-sports/article/Numbers-bode-well-for-New-Canaan-boys-soccer-team-14040350.php
Numbers bode well for New Canaan boys soccer team
Published 1:35 pm EDT, Thursday, September 7, 2017
The New Canaan High School boys soccer team didn't exactly light the world on fire last fall.
While remaining competitive in most games, the Rams struggled to score goals and often surrendered late leads on their way to a 4-9-3 record
Now, the slate has been wiped clean and the Rams are looking to get back into the playoff mix. New Canaan certainly has the manpower to achieve its postseason goal.
"We have good numbers," head coach Rich Sutherland said. "A hundred kids tried out, which is large numbers for us. Our varsity squad should be relatively deep this year with the numbers that we have. We have competition at a few of the positions, which is good."
In addition to the larger player pool, the Rams will feature four senior captains rather than the three which has been typical for Sutherland's teams.
The captains are all veterans of the program in Stephen Curiale, Kent Williams, Wes Farley and Grant Carlson.
"Each of the boys brings a little something different to the team," Sutherland said. "The beauty of having four captains is you have a different blend and they can relate to different players in different ways. As a group, they'll hopefully have more of an impact on more of the players."
Williams and Farley will anchor the defensive backfield, which is deep and could be a team strength. Curiale will man one of the center-midfield spots, with Carlson seeing time on a midfield wing or up top as a forward.
"They're all excited about the season ahead, pushing one another, and they're all pushing the others to be the best that they can be," Sutherland said. "They're doing as captains what they need to do."
The goalie position will be a family affair, as brothers T.J. and Jack Richardson will both see time. Jack, a junior, played several varsity games last year, while T.J., a senior, was sidelined with an injury.
"We've got Jack and we have his brother as well in goal," Sutherland said. "So there's a little bit of a brotherly rivalry for the No. 1 spot there. Jack obviously brings the experience from being involved last year, while T.J. was injured for pretty much the whole season. They both do a good job in goal, so we're pretty secure there."
Check out the video interview with New Canaan boys soccer captains Grant Carlson, Stephen Curiale, Kent Williams and Wes Farley from the HAN Network's Fall Tour.
https://youtu.be/gGLIeJA8N3s
The defense runs nine players deep and is multi-faceted with speed, strength and some height as well.
"Along the back, we've got some good numbers defensively and some pace, which helps us out," Sutherland said. "We also have a little bit of height, which helps us offensively and defensively. For set pieces, we're hoping that height might be of benefit to us."
Williams and Farley headline the backfield, with help from juniors Luke Crowley and Chris Segarra, who are up from the junior varsity ranks, and senior Dylan Healey, a returning varsity player. Senior Max Hazlin and Ben Conley, and juniors Matt Brand and Jack McCarthy will also be featured prominently on the defense.
At the key center-midfield position, the Rams are blessed with depth, led by Curiale and juniors Jake Luther, Matt Cosco, and Oliver Crookenden, all returning veterans, and newcomer Jamie Cutler, the lone sophomore on the roster.
The midfield wings could feature Carlson and junior Tim Norton, each of whom could play forward as well. Junior Diego Cidon is also in the mix at midfield.
The Rams have several options at forward, including Carlson, Norton, seniors Cole Kammerer and Sam Rhodes, and junior Hans Toft-Nielsen, who has been a top scorer on the J.V. team the past two seasons.
"In the central midfield spot, we have four or five boys vying for two or three spots and they all can play," Sutherland said. "That adds some competition there, and up (at midfield and forward), we have four or five players who can play multiple positions if needed. We can mix it up."
How the pieces will fit together was the big question during the preseason, as the coaches were trying different personnel and formations.
"We've played a couple of scrimmages, so we've been tinkering around a little bit with that," Sutherland said. "We've played two or three different formations, but it's tough when you've got 27 players. You want to make sure there's enough time to give them all an opportunity to play. It's hard to get a feeling as to where we'll be come the first game of the season."
New Canaan will be thrown right into the fire to begin the season as the Rams play the two largest schools in the FCIAC in their first two games. They'll host Danbury on Friday, Sept. 8, before playing at Greenwich on Monday, Sept. 11.
"In the FCIAC, every game is tough and we start off with a couple of really tough opponents with Danbury and then Greenwich," Sutherland said. "So welcome to the FCIAC."
No matter how deep the Rams are on paper, cashing in on their opportunities — something they struggled with last fall — will be key to their success.
"We have to be clinical when we get opportunities in front of the goal," Sutherland said. "We've been a bit wasteful when we've had chances the past couple of years. We've generally been in the vast majority of games into the last five minutes or so, so we've got to take the opportunities when they come our way."