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VentureBeat reports that some big tech companies like Amazon, IBM, Cisco have set up investment funds to support people creating bots for their platforms and environments. There are hundreds of millions of dollars up for grabs, so if you have a good idea for a bot or intelligent assistant this might be your opportunity.
from The Universal Machine http://universal-machine.blogspot.com/
Put the internet to work for you.
|Recommended for you


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Hunting season in the wild west has begun! I was so lucky to go on my first EVER hunt with my dad and his friends last week up in Jarbidge, Nevada. It was such a special experience that I will never forget.
Jarbidge is a small mountain town located on the border of Idaho. Being able to spend time breathing in the mountain air, spending time with my dad and his life long friends was filled with excitement, adventure, and cherished memories.
Opening day of cow elk season was filled with lots of down time. We had four people in our group with cow elk tags and a well thought out plan with an element of surprise. One team went up on the mountain to scout out good hunting ground, while the other team were spotters. The spotters are very important for the hunting process. They are the ones that radio to the hunters and tell them where the elk are. Without them, it would be a lot harder to find those sneaky creatures.
Elk are like mythical creatures. One minute you they will appear from the forest, and the next minute they have disappeared in the darkness.
The first day we spotted about 40 or more Elk on the mountain, but they outsmarted us.
The second day, one team went to try a different spot on the mountain, while the other team ventured up to the same spot we previously spotted the Elk the day before. We crawled up the mountain in our truck and found a spot on the ridge where we waited for sunrise. My dad, who was the hunter in our team, got out of the truck and sneaked around in the dark to find a spot that was out of sight of the elk. Three of us waited in the truck hoping to hear a gunshot, but we never heard one. After about 45 minutes of waiting and hoping we would get one, we got the radio call, "I got one!" The hunt was a success!
The rest of the team and I headed down the mountain in search of some rope to help pull the elk out of the canyon. We got about 1500 feet of rope and drove back up the mountain to where my dad was gutting the elk and waiting. I was the lucky one who got to traipse down the canyon with the rope toward where the elk had fallen. The wind was howling in my face, the brisk air was nipping at my skin, and climbing over sagebrush was the hardest climb I have had to do in awhile. The only thing helping me down was that rope. I was on a mission!
I reached my dad and the elk, we tied the rope around the neck, and the truck at the top of the canyon slowly pulled the elk out of the canyon. We had no idea how far we were down the canyon, but we were pretty close to the bottom. After the elk vanished, it was my dad and my turn to climb to the top of the canyon. We climbed over sagebrush, took lots of breaks, got windburn, but eventually made it to the top where all of our friends were waiting for us to help heave the elk into the back of the truck. We got the elk off the mountain and back to the cabin where we skinned it and cut off the meat.
It was the grossest process I had ever seen, but I sucked it up, because it's a part of the experience!
My dad saved the hide and turned it into a taxidermist to have it made into leather, and we turned the meat into a butcher to have it processed. I can't wait to have fresh elk in my freezer.
I can't wait to go on a hunt next year with my dad and his friends! It was the most exhilarating experience and I can't wait to do it again!

subset: commoncrawl


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Dissertation Reference – do's and don'ts
Most dissertation writers go overboard on the number of references they cite. I've edited dissertations with 300+ references. Yikes. Way too many and it makes reviewers suspicious. Here's a shortcut: Develop a formula based on your dissertation content outline. See how many references others used. My own dissertation was a positivistic case study and others using this methodology tended to have 75 to 100 references.
Rule 1: Start with the minimum number of dissertations.
So I figured 8-ten references for the methodology, 5-7 for each major topic and 3-5 for each sub topic. Here's how it breaks down for mine. My title was "The combination of five factors that lead to women leaders' decision to opt out of their senior leadership position." I know, sounds like a real spell-binder, doesn't it?
The title kind of gives away the five to seven major topics with sub-topics:
- The opt out phenomenon (5 sources)
- Organization reasons for opting out (23 sources)
- Organization reasons — multiple (boss, culture, M&As, etc.)
- Organization reasons — discrimination (glass ceiling, lack of advancement / development opportunities)
- Organization reasons — policies (work / life balance policies)
- Career reasons for opting out (26 sources – overlap with organization reasons)
- Career reasons — men and women career choices
- Career reasons — obstacles and lack of opportunity (men vs. women)
- Career reasons — patterns (general)
- Career reasons — patterns for women
- Career reasons — retention and development
- Family reasons for opting out (28 sources)
- Family reasons — career change
- Family reasons — work / life balance
- Personal reasons for opting out (13 sources – overlap with career)
- Personal reasons — life stage and self-awareness
- Personal reasons — stress and time
- Openness to change factor in decision to opt out (6 sources)
- Positivistic case study methodology (5 sources)
There was a lot of overlap but I ended up with 123 references. The secret is to start with an outline. I sort of had an idea going in that there would be a variety of reasons so I started with the obvious. I found a couple dissertations on the opt out phenomenon and discovered a few major references that seemed to pop up in all of the dissertations. I bounced back and forth with the basics and stopped myself after about references for each topic.
This is a big deal. I know a lot of people who go nuts finding everything they can about a topic and printing out entire articles. Better to stick with the main ones for now.
Rule #2. Find out your school's reference dates policy.
Most schools are very strict on the relevance of references according to date. In other words, stick with recent citations even if there isn't a written policy. My school had a policy that 75% of the references had to be from the last decade. The exception was seminal research like Lewin's change formula or similar kinds of references – usually related to research methodology or some broader topic.
One woman I worked with recently had to make a boatload of changes because her university required references within the past five years. That information was in the dissertation guidelines but she didn't notice it and no one pointed it out until she was on the third version of her proposal. Ask first.
Rule #3. Peer review only, please.
A lot of universities assume a lot. For instance, chairs and committees figure you know to use peer-reviewed references for the majority of your references. Again, estimate that 80% of your references should be peer-reviewed citations. It's easiest to include that in the search criteria. For this search I went under Academic Search Premier then clicked four limiters:
- Full text
- References available
- Scholarly/Peer reviewed Journals
- Published date 2010 to 2016
I also check PDF Full Text which is an easier to use format.
Rule #4. A trick to finding references fast.
One of the advantages of clicking "references available" is that you can look at the reference list and get lists of other references. You'll use the same criteria for years published and peer-reviewed and referenced. Then you read the abstract to see if it makes sense to go any further and save the PDF in a folder with the keywords and title and author. Once you go through four or five references you start to get a sense of the significant research on the topic.
Rule #5. Use styles instead of hard returns and keystroke spacing in references.
Arghhh. This makes me crazy. I'll turn on "show invisibles" and see a hard paragraph return after each line and a tab for the next line. Instead set up a style that says references and use it for all.
- Use styles instead of hard returns
- Purdue owl format
- No space after doi
- References less than 10 years or 5 years if time sensitive or that's what your chair/school/committee wants
- As cited in – don't do it
- Create your references while you're creating literature review. Use at the end of single page citation on outline topic. Keep a separate document with references. What a lot of chairs and committees will do is look at references first to get a sense of the research and citations. 75% need to be peer-reviewed. I made up that number but that's what I was told and I think it makes sense.
- Use apa and get as close as possible so your editor can add some value. Like suggest more references or inconsistencies.
Dr. Kat (aka Dr. Kathleen Cannon)
Fun, fast, experienced, reasonably priced dissertation editing, coaching, and therapy.
Contact firstname.lastname@example.com
©2016 Kathleen J Cannon


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Words and Information to Avoid Using in Resumes
Some words and information just don't belong on a resume. Words to avoid using are called poison words, which either work against you or just take up valuable space on your resume.
Remember that your words speak for you in a resume. Ensure that you use words that everyone can understand and that relate to the specific job position at hand. Value the words you use in your resume. Each one is a tool to your future!
Recruiters advise staying away from the following words on your resume:
Responsibilities included: Make your resume accomplishment-driven, not responsibilities-driven. Job-descriptions language tells, not sells, in a resume.
Salary: Money talk doesn't belong on a resume, period. Spilling your financial beans limits your options because you may be priced too high or too low. If you absolutely must deal with salary history or salary requirements before the interview, discuss dollars in a cover letter.
Fired: Don't let this word slip into your resume if you want it to escape being lost in a database. Laid-off or reduction in force generally aren't good terms either, but you can use them when circumstances make it sound as though you were fired. A lay-off or a reduction in force implies the action was no fault of yours, but fired suggests that you screwed up. The basic rule: Don't state why you left a position; save the explanation for an interview.
References available upon request: References are assumed. Save the space for more important information.
Social Security number: Never make yourself vulnerable in this era of identity theft. The exception to this rule is when you apply for a federal government position; in that case, you're required to submit your SSN.
Assisted with, worked with, helped with: Did you really just assist or help someone else? Were you standing by watching someone else do the work? Use action verbs to describe how you contributed to each achievement.
Also: The word is unnecessary. (For example, Manage budget of $1 million. Also interface with consultants.) Write tightly. Eliminate also, an, the, and and wherever you can. Use the saved space to pack more punch, and the resume won't lose meaning.


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Colorado is a beautiful region whose scenery changes drastically with every season that rolls around. Even the state's name connotes "color." The word "colorado" means "red-colored" in Spanish. This description is not only apropos for the landscape, but for the menagerie of hues that make an appearance each fall as the fall leaves began to turn their beautiful yellows, golds and reds.
One of the best ways to view the annual spectacular show of colors offered by our nation's 38th…Continue
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What is it about RV cooking that produces meals that taste so much better than anything you could ever get at a restaurant? Is it the fact that you're in the wilderness? Or maybe it's the enticing smell of the outdoor grill emitting its tempting aromas. At Cruise America, we believe that the food made in an RV tastes so good because it's main ingredient is always love.
There are all kinds of amazing meals that you can make while camping in one of our Cruise America rental RVs. In…Continue
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043: Dig In Back to School Challenge
I bought Maple Leaf sausage and cooked it thouroughly on both sides with some medium free run eggs. The sausage gaves the egss and bread i added after the meal was cooked a great taste. This is a great fast breaktfast recipe.
|leafe sausage. Eggs. Fresh bread. Orange juice.
Mapel leaf sausage, any wear from 1/6th of a ring to the whole sausage. and eggs, as many as desired as well, cook thouroughly together add the eggs after one side of the sausage is cooked to avoid overcooking the eggs. Add fresh bread to the plate after the sausage and eggs are complete. Add a cup of orange juice for drinking on the side.
Easy and hearty breaktfast dish!
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Minutes of the James River Valley Library System Board of Directors Monday, April, 18, 2016, 4:30pm.
Board members present were Jay Nitschke, Dar Jung, Dale Marks, Roger Parsons, and Sue Anderson. Also present was Bill Kennedy of Kennedy Consulting, Library Director Joe Rector, and Assistant Director Jennifer Senger. Board members Lynn Krueger and Jim Nyland were absent.
Dale called the meeting to order at 4:30 pm.
Dar motioned to approve the minutes as written, seconded by Sue. Unanimous Aye. Motion passed.
Joe went over the financial report. He stated that to date the library has received 80.7% of the income budgeted for the year.
Roger motioned to approve the bills to be paid, and payroll as paid, seconded by Sue. Unanimous Aye. Motion passed.
Joe stated that we are having an issue paying two bills on time due to the bills needing to be approved by the board prior to paying them. The two bills are from FCCU and Pitney Bowes. He asked the board to approve a specific amount that he could pay for the year on those accounts so that we can write checks for those accounts as needed. He asked the board for $10,000 per account.
Dar motioned to pre approve the use of the Pitney Bowes and FCCU accounts up to $10,000 for each account for 2016, seconded by Sue. Roll call vote showed: 5 ayes, 0 Nays, 2 absent. Motion passed.
Joe asked the board for approval to place two CD's which are expiring on May 3, 2016 into the library's general checking account to be used for the purchase of the new bookmobile.
Sue motioned to authorize the transfer of CD numbers 64123, and 64124 to the library's general checking account for use with the new bookmobile, seconded by Dar. Roll call vote showed: 5 ayes, 0 nays, 2 absent. Motion passed.
The Seed Library and the booth at the Home and Garden Show were very successful.
Roger stated that the new bookmobile should be delivered to O.B.S in May so they can begin the interior work. He also informed the board that any warranty work that would need to be done on the new bookmobile will be covered by Buffalo City Diesel.
Joe stated that he is working on the interior of the bookmobile and the outside wrap with staff. Joe and the bookmobile staff went to Edgeley to get ideas for the interior.
Dar motioned to add Jay Nitschke as an authorized signer for all financial documents for the library, seconded by Roger. Roll call vote showed: 5 ayes, 0 nays, 2 absent. Motion passed.
Joe informed the board that we are adding dimmer switches in the plan for new lights in the meeting room at ADPL. The extra cost will be $421.10. The reason for doing this is so the lighting can be flexible for the various uses of the room.
Joe also gave the board an updated bid for the lights in the back room in the adult library at ADPL. The pricing is the same as before, but the type of light fixture is different.
Joe explained that S&S Cabinets has given us a proposal of $40, 607.79 to replace all of the shelving in the children's department. Joe stated that he would like to do the project a piece at a time instead of doing it all at once. He asked the board for approval to replace the perimeter shelving in the children's department at an estimated cost of $12,000.
Joe explained that we did ask for a grant for the children's shelving, but unfortunately we did not get the grant.
Dar motioned to approve the replacement of the perimeter shelving in the children's department as per the proposal from S&S Cabinets, seconded by Sue. Roll call vote showed: 5 ayes, 0 nays, 2 absent. Motion passed.
It was also discussed that Bill will work with Jay to find volunteers to help move the old shelving instead of paying S&S to do it for us.
Joe informed the board that the interior project is still being worked on; however, we are not sure if all of the work will be done this year, or if it will continue into next year.
Joe submitted a contract renewal proposal from Dardis Reality. Joe stated that the contract is the same as before.
Sue motioned to accept the contract form Dardis Reality, seconded by Jay. Roll call vote showed: 5 ayes, 0 nays, 2 absent. Motion passed.
Joe stated that we need to present our budget more professionally to the County than we have in the past, so he will be working with Schauer & Associates to accomplish this.
He also stated that once we decide what we are going to do in regards to a new library that he would like to contract with somebody that can help us get our financial numbers in order. That way we can provide the public with a detailed list of all the costs involved in the project.
Bill stated that to date we have raised $51,982 including the $35,000 grant from USDA toward the purchase of the new bookmobile.
Joe gave the board a contract renewal proposal from Bill Kennedy of Kennedy Consulting. Joe stated that there are no changes to the contract from the previous year.
Sue motioned to approve the renewal of the same contract as the previous year, seconded by Dar. Roll call vote showed: 5 ayes, 0 nays, 2 absent. Motion passed.
The next meeting will be Monday, May 16, 2016 at 4:30 pm.
Meeting adjourned at 5:25 pm.
Respectfully submitted,
Jennifer Senger


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I'm normally in love with technology. Without my phone, I'd be lost. But when it comes to organising and scheduling my weeks it has to be paper for me.
I started with my calenders some when back 2010 (and I still have them all...I just need to figure out which box they're in...). Back then I used pre-made (aka: normal calenders) and just kept my cover self-designed (plus the whole, picture, tickets, bum wrappings and whatever you can think of that I put inside). But now, I guess since 2012 I'm making my own calenders. The plus: They are exactly how I need them AND: they are only for half a year. That's around the time when I need a change. So half-a-year-calenders it is.
I thought, since my new one starts on Monday, I'll post a quick DIY so you can grab a simple notebook just before that and make your own. It's easy! And so convenient and fun!!
You'll need:
- notebook
- pens to draw the dividers
- masking tape (just because masking tape makes about everything better and cuter!!)
- one empty envelope
As a first thing, I normally start with my weekly design:
Since I love to doodle and I'm totally addicted to my To-Do Lists, I leave one page empty for that and the other page for weekly appointments. You could go squares all along, or just bars...or bubbles. Whatever suits you best.
After that I add an empty envelope to the last page. It comes in really handy for collecting cards, stickers, post stamps etc.!
And I normally leave a few pages empty at the end for notes, scribbles, whatever. It's also where I keep all my lists. Bucket list, work-on-yourself list, budget list, 2016-list....I've got them all!!!
This half-a-years calender is way cuter then usual. I normally go for plain blank but I discovered this cute one at the Design Market we went to in October and just HAD to. The envelope is from there as well. Along with a lot of cute paper that still awaits its destiny!
The book is already filled with a few cute sketches and a year-overview. The rest will be filled by me ;)
My boyfriend just came jumping into my room carrying a sparkler. I guess its a hint that it's time for me to go ;)
Btw: That's the girl I bought all the stuff from:
Happy Happy Happy New Year!!!
Sorry for any typos. I'm in a hurry ;P


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He passed away in a private hospital in Bangkok yesterday morning at the age of 88.
You may well be asking, "Who is Chin Peng?". Well, he was the former leader of the Malayan Communist Party and its military arm the Malayan National Liberation Army, which fought a bloody guerrilla war against British Colonial rule in Malaya (modern-day Malaysia, which became independent from Britain peacefully in 1957) between 1948 and 1960, and then fought a new insurgency war against independent Malaysia between 1968 and 1989.
Unlike fellow southeast Asian anti-colonialist figures that included Vietnam's Ho Chi Minh, Indonesia's Sukarno, Myanmar's Aung San and Cambodia's King Norodom Sihanouk, Chin Peng was defeated – twice in fact: in the first war by British Commonwealth and Malayan armed forces, and in the second war by a combination of the Malaysian army, the rapid economic growth of Malaysia and the collapse of the communist Soviet Union. As a result he had the distinction of being the only such revolutionary leader who failed to win his struggle. He had lived here in Thailand for many years in exile.
Chin Peng's name was familiar to me because many years ago I enjoyed reading Leslie Thomas's popular trilogy of "Virgin Soldiers" comedy novels about British soldiers carrying out their National Service during the Malayan communist war in the early 1950s. And on that slightly related subject: the first and third novels in that trilogy were made into feature films in 1969 and 1977, and it is interesting to compare the distinctly British humour in both of those films with the style of humour in the 1970 American feature film "M*A*S*H" (itself based on a novel), which is about US involvement in the communist war in Korea that occurred around the same time.


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America's Voice En Español »
Miller's Support for White Supremacist Groups Puts Spotlight on the Foundations and Donors Who Fund Them
November 2010| Download PDF of Memo | Download PDF of Polling | Download Recording of Press Call
To: Interested Parties
From: Celinda Lake, David Mermin and Zach Young
Re: Voter Support for Comprehensive Immigration Reform[1]
More Information on Latino Voters in the 2010 Elections
[1] This LRP survey reached a total of 1,200 likely, registered voters nationwide. The sample consisted of 1,000 interviews among voters who were reached on landline phones and an oversample of 200 interviews among voters reached on cell phones. The survey was conducted October 31st through November 2nd, 2010.
[2] "Under this proposal the federal government would strengthen border security, and crack down on employers who knowingly hire illegal immigrants. Illegal immigrants currently living in the United States would be required to register with the federal government, undergo criminal background checks, pay taxes, learn English, and go to the back of the line for U.S. citizenship."
[3] "Congress is considering a proposal known as the DREAM Act. This bill provides illegal immigrant students who were brought here as young children with the opportunity to earn permanent legal resident status if they meet certain requirements. To earn legal status, students must have been brought to the U.S. when they were very young, lived here for at least five years, stayed out of trouble, earned a high school diploma or GED, and completed at least two years of college or military service."


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Blue Hole and Lunch
Blue Hole is a natural,peaceful and soothing water attraction . Located in Ocho Rios the Blue hole boasts two Luxurious waterfalls.
Dunn's River Double Dose Tour
Dunn's River Falls, Mystic Mountain. Or Dunn's River Falls and Dolphin Cove. ( book in advance for Dolphin Cove and Mystic
Dunn's River Falls and River Tubing
Spend the first half of your trip taking a relaxed journey along the Rio Bueno River floating in a rubber tube. During
Dunn's River Falls Express Experience
Take a guided tour from your hotel or the cruise ship pier directly to Jamaica's number 1 tourist attraction - the Dunn's
Horseback Riding and River Tubing
We start this 2 part adventure with a day of horseback riding through the beautiful Jamaican country side. This journey the
Horseback Riding, Shopping and Margaritaville Tour
We start of this tour with horseback riding through the scenic countryside. We then end this part of our tour frolicking
Margaritaville Negril and Rick's Cafe
Margaritaville Negril is located in Negril on the western end of the island approximately 80 minutes from Montego Bay . The popular
Martha Brae River Rafting
The Martha Brae River is one of the most soothing tours you can enjoy while visiting Jamaica. Relax on a thirty


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I stopped making New Year's resolutions years ago. I'm just not the most resolute person. But I am someone who's motivated by goals. So now, each January 1, I make a list of goals for the coming year. (Yes, I know that's just semantics, but hey – whatever works.)
In an effort to keep myself accountable for this year's goals, I figured now would be a good time to declare them publicly. So, here goes. In 2015, I will:
1. Beautify my home. This is an ongoing project with lots of little subgoals. I plan to repaint every room and install a new kitchen floor. The exterior needs to be power washed and the shed requires some repairs. I will continue to purge crap I don't need and organize the stuff left behind. THIS WILL HAPPEN, PEOPLE. IT WILL.
2. Organize my virtual clutter. I have a lot of files. Word docs, photos, mp3s. Many of these files are in duplicate, triplicate, or quadruplicate. Basically, every time I get a new computer, my husband makes a backup of every single file. So right now, there is a 1T external drive that's like an information hoarder's daydream. I don't have even a fraction of my music loaded into iTunes because I need to dedupe all of the extra copies. This needs to be the year I tame those files into submission.
3. Cut out the white stuff again (by February 1). Up until Cookiepalooza, which is what my best friend Wendy and I call our insane holiday baking marathon we do each year, I had been flour- and sugar-free for almost two months. While this sometimes made eating out more complicated than I would like, it was totally worth it. (Why the February 1 deadline? Well, Wendy and I take these fabulous birthday vacations together each year, usually around Martin Luther King Day. This year's excursion to Washington D.C. will include visits to some of the best restaurants in that part of the fun we have is indulging our inner foodies in a completely hedonistic way.)
4. Blog 3-5 times a week. Here's the thing: I really LIKE blogging. I do. The ONLY reason I don't do it more frequently is that the posts I want to write tend to take me (on average) 2-3 hours to put together. That's kind of a hefty commitment when I'm on deadline for a novel and in crazy crunch mode at my full-time job as well. But I felt really great when I was doing NaBloPoMo, so I will do what I have to in order to carve out the time.
5. Finish the new book. I almost didn't add this one, because duh, of course I'm going to finish the new book. It's under contract and everything. But, you know, writing novels while working a demanding full-time job takes a lot of time and energy. And when I do put this new book to bed, it's going to feel incredible. So, yeah. Definitely on the list.
This is a relatively short list (for me). But, I'm thinking that it's better to stay focused on a few important goals rather than try to tackle everything at once. And hey, once I knock one of these guys off, I could always add something else later.
What are your goals (or resolutions) for 2015?


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It was an investment plan some would say was doomed to fail, $263,000 borrowed at a 6% interest rate to finance a speculative collection of mutual funds with some of the highest management expense ratios in the business.
Steven, 49, and Glenda, 47, accepted the advice to go into debt believing they stood to make a profit. The B.C. couple's investment has already plummeted by a sickening $110,000 and they are still making payments of $17,148 a year on the debt, 20% of their take-home income.
"Our financial advisor encouraged us to borrow," Glenda recalls. "We believed that we could make money with the lender's money, not realizing how costly it would be. We were naïve and so we are poorer."
It was a tough awakening to the world of management expense ratios and leveraging. The MERs on some of these funds, annual fees charged whether the investment makes any money or not, are as high as 3.45%. Just to break even, they would need returns as high as 9.45% a year, something few funds can do consistently.
Now, even though they have lost more than $100,000, selling will cost them 3.5% in penalties if they sell before six years are up.
It isn't like they didn't already have enough debt.[np-related]
Including the leveraged investment, a pricey home mortgage at 5.49% and a 3% line of credit, they owe $530,400, with $48,228 of their after-tax dollars going to support this. Their total debt now amounts to 4.9 times their gross income. By comparison, Statistics Canada says the average debt of families is 1.48 times gross income.
For many people, such a loss would do irreparable damage to a retirement plan. Luckily, Stephen and Glenda have years to recover and also have somewhat of a safety net in employer pensions from the provincial government. They will have to fight to get their debts down to a manageable level but their problems are not beyond fixing."They do not have the means or the time to make a complete fix — to get money for their kids' university and to fund a really cushy retirement," says Derek Moran, head of Smarter Financial Planning Ltd. in Kelowna, B.C., who Family Finance asked to consult on the case. "But we can lighten the burden of their debts."
Stephen and Glenda make $6,980 a month after tax. They have just $22,800 in their RRSPs and no savings to pay for post-secondary education for their two children, aged 13 and 17.
Mr. Moran suggests the regrettable investment should be sold. Taking such a large loss would leave a bitter taste in their mouths, but doing so would be acknowledging the poor odds they have of coming out whole. The fees are too high, advice to borrow on their home equity line of credit was regrettable and, given the high costs of maintaining the investment, things are probably going to get worse, the planner says.
If they take the loss, they could get $153,000 less a few thousand dollars of penalties. If they wish, they could make use of the rule that 10% of the fund can be sold each year without penalty. Whether done at once or over time, the sale proceeds could be used to pay down most of their $182,000 investment loan, leaving perhaps $29,000 to $33,000 owing. They have no capital gains against which they can deduct the loss, but it can be carried forward in the event that, one day, they have taxable capital gains.
Reducing debt
The next step to reducing debt is to cash out their $22,800 RRSP and use the money to pay down $15,200 of credit-card debt with interest rates as high at 19.9%. If the cash-out is done in increments of less than $5,000, the withholding tax will be 10% and the cash yield will be $20,520. That will enable them to clear the loans and leave $5,320 cash. Unfortunately, the withholding won't cover their full tax for the RRSP redemption. In their 29.7% bracket, that will be 19.7% more to pay, or $4,492. They should reserve that or make an installment payment.
Eliminating credit-card debt will save interest of $222 a month, or $2,664 a year. They can skip their $100 monthly RRSP contributions as well, for RRSPs will no longer be part of their retirement strategy.
Then they should work to refinance their $159,000 mortgage, hoping to be able to cut the 5.49% interest rate to 3% or 3.5%, today's average rate for five-year closed mortgages. There might be a penalty, but it would be worth it. They have 63% equity in their $425,000 house, more than enough to qualify for a lower interest rate. This move alone would save almost $333 a month in interest, or almost $4,000 a year of after-tax dollars.
What to do with savings
These moves will raise their monthly cash flow by as much as $222 on their credit cards, $1,284 on their investment loan and $333 on their mortgage for a total of $1,839 a month, or $22,068 a year. They can use this increased cash flow to help their children with their post-secondary educations, but the kids will need jobs, loans or scholarships.
The couple will depend almost completely on their work pensions, CPP and OAS
As civil servants, they can expect defined-benefit pensions equal to 60% of their current combined gross of $108,000 a year. That's $64,800 a year. On top of that, at age 65, they could receive Canada Pension Plan benefits of as much as $11,840 a year per person. At 67, they should get Old Age Security, currently $6,481 per person per year, for total pension income of $101,442 in 2012 dollars. If that income is evenly split and taxed at an average rate of 22%, they would have $79,125 to spend each year. With their debt-service charges reduced by half or more — depending on whether they use savings to pay off the mortgage or to set up education funds for the children to pay at least some of their university expenses, they would have more to spend in retirement than they do in their debt-laden working lives.
"The couple will depend almost completely on their work pensions, CPP and OAS," Mr. Moran says. But those are all indexed pensions. For more money, if they need it, they can downsize their house. This is not such a bad result considering how indebted they are today."
Massive debt reduction will save them.
"We can't pull a rabbit out of a hat, but it is clear that the couple can retire with much the same cash flow and, after debt reduction — though not elimination — more spending power than they now have."
Need help getting out of a financial fix? Email email@example.com for a free Family Finance analysis.


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Went over to Santa Ynez district # 7 high school rodeo to watch our own #1 Vaquera , Sarah Nance do all her events, she was #3 overall last year in the state and did really well yesterday.
Unreal day, the storm blew threw and got NICE!
Sweet spot for this event , that's Sunstone Winery to the right, had to go over for a quick taste .
Sarah, quick out of the gate and roped this one fast, took a second in this roping event.
Myself , checking the goat roping event and how to get to Sunstone for a quick sip of the vine


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National Registered Agents, Inc. (NRAI) offers businesses of all sizes registered agent services. When you form a corporation or other type of business or register to do business in Louisiana, you must appoint a Registered Agent in order for the state to remain in contact with your company and keep you up to date on annual filings, any important requirements changes and for service of process.
Your Registered Agent is the representative for receiving service of process for your company. This includes dealing with any legal proceedings, legal notices or government communication presented to the company. The failure to assign a Registered Agent to your business can result in monetary and/or civil penalties, the forfeiture of your business, or even prevent it from entering into any future contracts.
If you currently have a registered agent who is not providing you with the services you need to protect you company, you can easily change your Registered Agent to National Registered Agents, Inc by calling (855) 265-2898 or simply completing the Request Services form.


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Pullman House Apartments offers accommodation very close to Darlington Town Centre: the Darlington Arena, Main Railway Station and the Civic Theatre are all within a mile away and it's just a short walk to North Road train station to use the Bishop Line running from Bishop Auckland through to Saltburn, which also takes you into the main station for the East Coast Main Line.
We're only a five to ten minute drive to the A1M & A66 main routes and we can organise a shuttle service to Durham Tees Valley Airport which is about 20 minutes away.
Sat-Nav Users Enter Postcode: DL3 6PL


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The flavors of a margarita—tequila, orange and lime—are blended in this healthy salad recipe of fresh shrimp, diced avocado and sliced red onion, spiked with a creamy, spicy sour cream dressing. Don't shy away from avocados because they're high in calories—avocados are rich in good, heart-healthy fat, as well as vitamin E, folate, potassium and other important nutrients.
Ready In


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Worth Mentioning
Westwood's Guest Speaker Series:
More Time for Support
— Plus something special
Wednesday, December 18, 2019 - 7:30 pm
SATELLITES of PFLAG Los Angeles
Support Meetings
on the 3rd Wednesday
of every month,7:30 p.m.
Gender Focus / Hollywood
on the 2nd Thursday
of every month, 7:30 p.m.
in East Los Angeles
in San Fernando Valley
in Boyle Heights
More Information
All of us have heard a lot of myths about homosexuality and gender identity. Some of the following misstatements are things you may have heard or believed: "all gays are promiscuous," "gays 'recruit' younger people and make them gay," "gay men have weak fathers and strong mothers," "lesbians hate men," "gay parents damage their children," "gays choose their sexual orientation," "gays can become straight." Research shows all these statements to be false.
We absorb these myths almost without knowing it, from television and movies, from conversations with friends, from sound bites on the news, from political debates, and from our churches, synagogues and mosques.
As we begin to deal with sexual orientation (our own or that of a family member or friend), it is important to get reliable, fact-based information. That is why education is such an important part of PFLAG's work. You will find a list of resources on this page that can help you sort out the facts about sexual orientation and gender identity from the myths and scare tactics. Our newsletters, available on the About PFLAG page, also provide current information about LGBTQ issues.
Schools, businesses and other organizations may need help in providing safe and welcoming places for LGBTQ persons to learn, work, visit, and socialize. At no cost the PFLAG Los Angeles Speakers Bureau offers panels of speakers, including straight parents of gay children, gay, lesbian, and transgender members who share insights from their own experiences.
Major Supporters
Johnson & Johnson
Bloomingdales and IBM
P.O. Box 24565, Los Angeles, CA 90024 1.888.PFLAG 88 (1.888.735.2488) Contact Us
©2017 PFLAG Los Angeles. All Rights Reserved Report site problems to our Webmaster Site designed by Imagine-Y


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BIMcloud Frequently Asked Questions
BIMcloud allows a BIM workflow on any network, hardware or software configuration, connecting architectural design teams, engineers, consultant and building projects of any size or setup 24/7.
BIMcloud is a fully-fledged cloud-based collaboration solution that can be deployed in any public or private network environment.
Currently, only GRAPHISOFT products such as ARCHICAD and BIMx can be directly connected to BIMcloud. However full BIM projects can be aggregated and coordinated in BIMcloud using the IFC connection and the MEP Modeler functionality of ARCHICAD.
The GRAPHISOFT BIMcloud consists of one central BIMcloud Manager, any number of BIMcloud Servers and any number of BIMcloud Clients (ARCHICAD, BIMx etc.) connected through the BIMcloud Manager. BIMcloud can be deployed on premise or in any private or public cloud platforms, and can be integrated with centrally managed company IT systems (e.g. "Active Directory").
The BIMcloud Manager is the central component of the GRAPHISOFT BIMcloud Solutions that takes care of connecting all other components regardless of location (i.e. across the office, across town or around the world). BIMcloud Manager itself is free of BIM data. It contains only a single integrated list of all BIMcloud Servers, BIMcloud Projects and BIMcloud users with their defined roles and permissions.
The BIMcloud Servers store and serve the BIM projects for ARCHICAD, BIMx (and the future other) clients.
BIM projects can be freely moved between BIMcloud Servers within the same BIMcloud.
BIMcloud Server hardware can be freely altered without any interruption to the workflow of clients.
BIM project data is exclusively stored and managed by the particular BIMcloud Server where the shared project is located.
The BIMcloud Clients can access and manipulate the BIM project data from the BIMcloud Servers through the BIMcloud Manager's interface. BIMcloud Clients can be computers in the office, mobile computers or mobile devices (i.e. tablets or smartphones, etc.) in any location.
BIMcloud Basic is free of charge but has a limited feature set compared to BIMcloud. BIMcloud Basic activation requires GRAPHISOFT ID.
The BIMcloud licensing scheme is based on the number of concurrent users accessing BIMcloud at the same time. Each connected user requires a BIMcloud User License. These BIMcloud User Licenses will behave the same way as ARCHICAD floating licenses: If the user closes ARCHICAD or BIMx the BIMcloud User License will be released on the server. BIMcloud is freely scalable without any limitation by installing additional BIMcloud Servers on additional computers.
No, BIMcloud User Licenses require a separate key. BIMcloud Basic can be activated using your GSID.
Yes, BIMcloud can be deployed on both public as well as on private clouds. You can even install BIMcloud on any server computers kept in-house (on-premise).
All BIMcloud components use standard http/https protocols to enable safe, secure access and communication between and among users regardless of their location. Use of http/https standards also helps manage total cost of ownership and avoid additional network infrastructure without any additional hardware or software componenets to be purchased.
No. BIMcloud works on any standard HTTP/HTTPS network connection with or without VPN from any remote location as well. For more information about the BIMcloud's network setup, please visit our Help Center where new articles dedicated to BIMcloud appear on a regular basis.
No. The BIMcloud is purpose built to tolerate virtually infinite levels fo network latency and therefore eliminate the need and expense of special hardware or software to maintain "real-time" connectivity.
BIMcloud Basic is available in every market where ARCHICAD is available. For the availability of BIMcloud in your country please contact your local GRAPHISOFT Partner.
BIMcloud Basic is available for trial and educational purposes. BIMcloud is only available for commercial uses.
Please check out the current harware and operating system requirements of all GRAPHISOFT products.


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3feetdeep is a DJ collective and promotions group in Chicago, IL focusing on the deeper, funkier and groovier ends of the underground house and techno spectrum.
Our goal is not strictly to bring bodies through the door or win a popularity contest, but rather, to foster and develop a following that maintains its musical integrity while giving like-minded people a regular table to gather at.
Get Involved, follow us: @3feetdeepchi
For all general inquiries & booking requests, please email us:
info [at] 3feetdeep [dot] com


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If you ask for a light, be careful!
The smoking habit is already connected with so many risks and dangers, that we will not be the ones to remind you how unhealthy it is. But for those who, along with the habit of cigarettes, also have something to hide, this could turn into a much bigger problem if they happen to run into someone who offers them a light with a video recorder lighter, thus recording their movements while pretending to help.
Of course, Light Cam is not a normal cigarette lighter, although it actually works like one to avoid unnecessary suspicions. On the inside, though, it conceals a miniature viewer and an equally tiny microphone, and thanks to them it is capable of recording video and audio tracks, as well as taking high definition image stills.
To start recording, it will be enough to press the button as you would do when lighting up, and by doing this, with an absolutely natural gesture, you will start putting the people around you on video without them being aware of it.
The recorded movies and photos are then stored on a Micro SD memory card, with a maximum capacity of up to 8 Gb. Once the recording job is over, just remove the cover to expose a comfortable USB plug, which can be easily connected to your computer to download its contents within seconds.
Possibilities of use are basically unlimited, as any moment of our day could potentially give us the opportunity of recording events without being noticed: from a meeting at work, to an argument with an annoying neighbor, all the way to a professional use for detectives or police forces who might use this kind of devices to gather evidence of marital infidelity cases, of corporate espionage and so on.


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Our Course
Video Tour
Find Us
Bug Special
Our Friends
Email Us
Maple Ridge Golf Course: Find Us
...is located about 50 miles east of Cleveland and about 60 miles west of Erie, Pennsylvania. Interstate 90 typically offers quick access to our course. Use exit #223 (Route 45). Travel north to the golf course.
We have plenty of free parking.
Have a question?
or telephone us for a quick response.
We look forward to seeing you.
Here's a simple map:
...and here's an interactive Google map:
View Larger Map
We are located one mile north of
I-90 on Rt.45 (Exit 223) in Saybrook Township (Ashtabula) Ohio.


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He has sent me to proclaim liberty to the captives and recovering of sight to the blind, to set at liberty those who are oppressed
–Luke 4:18
In generations past older women trained the younger in how to best prepare for and navigate marriage. This was the way God intended it to be (Titus 2:4). With the invasion of television into every home the option was offered to utilize a surrogate teacher. June Cleaver, a wholesome and imitable role model, soon gave way to the modern sitcom where the typical formula includes a buffoonish and lazy husband and a wife who undermines and ridicules him at every opportunity. While this not-so-subtle, exaggerated mockery of marriage has played a part in devaluing the God-ordained covenant between man and woman for the generation that sat under its teaching, it showed restraint by leaving the cameras out of the bedroom.
Enter pornography. If the sitcom offers us a distorted and false vision of what marriage should look like in its public facet, pornography offers a distorted and false vision of what the private consummation of marriage looks like. If the mothers and fathers of today are not diligent in reclaiming God's plan for passing on his vision for marriage, we can be sure the next generation will largely adopt the lies told by pornography as the norm for the bedroom.
Pornhub, one of the largest providers of online porn, is now launching a digital "Sexual Health Center" to further expand its efforts to "educate" its users. They claim that they want to provide "credible and insightful information" on topics like reproductive health, and relationship building. A curious and seeming conflict of interest considering that pornography tears at the fabric of real-life intimacy and healthy relationships.
Remember the old suspicion that the companies that sold antivirus software were actually the same people that created the viruses in the first place? Pornhub's attempt to offer legitimate sex education is a blatant real life version of the antivirus conspiracy in which they first hijack the consumers brain with false visions of human intimacy and then cross-sell them a sex "education" to correct the misinformation they disseminated in the first exchange. But most alarming about this endeavor is that, as one source puts it, "there are a lot of young people for whom these are very real questions." In other words, this is an effort to further normalize and capitalize on porn production for the next generation.
Make no mistake, the porn industry wants to take your children hostage. By saturating the web with easily accessible filmed fornication that can be accessed anonymously, they provide the ledge that your children—like lemmings—can jump off to their own destruction. Upon crash-landing at the bottom and shattering their innocence the porn industry's newly devised strategy is to then extend a hand out as if to pull them back out of the pit, completely shirking responsibility for the fact that they were the ones responsible for wooing them to jump in the first place.
While some may laude Pornhub's effort as a step to negate some of the damage it's done by distorting and cheapening the gift of sex, it's a much more deceptive tactic driven by dollar signs at the opportunity to further capitalize on addiction. With one hand they offer the narcotic: the illusion of sexual gratification without any commitment. Knowing that the narcotic does not deliver on its promise and leaves the consumer feeling empty after they come down from their "high" they then extend the other hand offering the detox: here's what healthy sexual relationships look like, let us educate you. The porn industry wants to trap your kids—like captives at Stockholm—inside a cruel game where they offer the "solution" to the problem that they created in the first place.
But maybe I've put the cart before the horse, maybe I'm not giving them the benefit of the doubt. Instead, what if their intent is to use the old bait-and-switch. Since it is illegal (although incredibly easy) for minors to view pornography maybe this is their veiled marketing attempt to children. By offering to fill the void of sex education for children the company creates a "legitimate" information-only site and the only reference to pornography is that a minor can't avoid typing the word "pornhub" into the address bar. Not so subtly, the next generation is made aware of the online buffet of sexual sin. The order is not as important as the result: a devious game of good cop/bad cop in which the next generation is left confused and disoriented. And sex, a good gift of God, is further distorted and divorced from the purpose it was originally designed for.
It's becoming the new norm that parents ask themselves not what to do if their child is exposed to pornography, but rather, to strategize a plan for when their child is exposed to pornography. It is an almost inevitable scenario. The false narrative offered by pornography—and now the half-truth education offered by their other hand—will continue to sink its hooks into the backs of an unsuspecting generation. Still, the truth is always more powerful and more appealing than the lie.
I close with that truth and an application for both parents and the generation they are seeking to disciple. God's design for sex—being the only appropriate design—is better than the pseudo design peddled by porn. He created man and woman as complementary companions to join in one flesh (Mt. 10:8). Woman was the answer to man's loneliness (Gen. 2:18) in the covenant of marriage. The false promises of porn are immediately evident after the laptop screen is closed and the consumer is still alone. Humanity was never meant to have its needs met by a computer screen.
So parents, be diligent to prayerfully open up continued conversations about God's design for sex within marriage with your children from a young age. Create an environment in which they are warned of the highly addictive nature of pornography but are also informed that there is grace available should they fall into this snare. Diminish the likelihood that porn will have an appeal to them by zealously communicating the grander and more beautiful design that God has given us. Foster their desires toward the One who gives his children good gifts, including sex (Lk 11:13).
And to those in the next generation not yet old enough to be married, I know you are constantly assaulted by a culture that loves the gift of sex more than its Giver and pleads with you to do the same. It will not be easy to stand strong against it. However, be diligent to build an arsenal of truth to combat porn's lies. It will tell you, like the serpent in the garden, that God's plan for your sex life is somehow less than. It's newest lie is to offer us an education. A new tree of knowledge, of sorts, that we are not intended to eat from (Gen. 2:17). Because porn's fruit, once indulged, surely leads to death. Death of true intimacy, death of healthy relationships, death of desire, and death of God's gift. It can be difficult to wait for God to give it (Songs 2:7)—particularly in this culture of instant gratification—but I assure you once opened it is better than the counterfeit.
[Photo Credit: DiariVeu – laveupv.com Flickr via Compfight cc]


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Even the NYT creates data visualizations that can't be viewed on the ipad and some browsers.
Visualizing data across all browsers and ipad/iphone can be difficult.
But here is an interactive visualization I created viewed from your iphone to your ancient PC.
Created with PHP, mySQL, Javascript and the D3 and Raphael data visualization libraries.


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1 recipe corn bread
1 qt chicken stock
1 C wild rice
2 Tbs olive oil
1 large sweet onion, chopped
8 oz mushrooms, sliced
2 cloves garlic, finely chopped
2 stalks of celery, sliced
1 C golden raisins
3 Tbs chopped fresh sage leaves or 1 Tbs dried
3 Tbs chopped fresh flat leaf parsley or 1 Tbs dried
1 Tbs chopped fresh thyme leaves or 1 tsp dried
kosher salt and fresh ground pepper to taste
Note: Both cornbread and wild rice can be prepared up to two days in advance.
Thoroughly rinse wild rice. Add rice to 3 C chicken stock in a medium pot with a tight fitting lid and bring to a boil. (If using homemade stock, add 1/2 tsp salt.) Reserve remaining cup of stock. Reduce to a simmer and cover. Allow lake grown rice to cook for 20-25 minutes or paddy grown rice to cook for 45-50 minutes, or until all the stock is absorbed.
Preheat oven to 350°F. Cut corn bread into 1/2" cubes and place in 4 qt baking dish. Heat olive oil in a large skillet or fry pan to medium. Add onion and cook until soft, stirring occasionally. Mix in mushrooms, garlic, and celery, and cook another five minutes. Stir in raisins and seasonings until warmed through. Mix in cooked wild rice.
Gently stir contents of skillet into the cornbread in the baking dish. Once evenly mixed, pour remaining cup of stock over the dressing. Bake in oven for 20 minutes or until cornbread is browned.
Cornbread and Wild Rice Dressing
Labels: holiday, side dish, Thanksgiving
2 comments:
- Keren and Joe Jackson said...
I made this last year and it was DELICIOUS! I'm making it again, but we're having more people over. Could you tell me about how many portions this recipe makes?
- November 21, 2012 at 2:59 PM
- Libby said...
Good question! Given the size of the pan I need to make this, it easily makes 20 servings, but that doesn't allow for seconds or leftovers!
Have a great Thanksgiving!
- November 21, 2012 at 3:17 PM
Subscribe to: Post Comments (Atom)


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Undead Usher in Unemployment
Compulsory cremation creates massive mortician malaise. Author's note: 60 characters too short? Bah.
Hunger at 39,000 feet.
"'What's the deal with airline food' That line seems to be one of those that people immediately think of if you mention stand-up comedians, but I can't say I've ever actually heard the joke. What is the deal with it,...


text:
We are
Hyde Park Preservation, Inc.
Hyde Park Preservation, Inc. (HPPI) is dedicated to the historic preservation, rehabilitation and development of Old Hyde Park. HPPI is a neighborhood association officially recognized by the City of Tampa for this purpose.
Have a concern regarding our neighborhood?
Report a concern so the HPPI can address it for you!
From The Blog
News and information from HPPI.


text:
          From Asia Ascendant,
          the unpublished sourcebook for Trinity
          (White Wolf Games)
Prepared by Field Operations Leader Pei Ying Chih for Pan Afu, Sub-minister of the Ministry of Psionic Affairs
The field department has recorded a substantially increased number of anomalous activities in the second half of 2122. In addition to the unusual telepathic interference currently being studied by the noetic research division, there has been an 8% rise in aberrant activity; more importantly, the nature of some of the aberrant encounters has changed. Aberrants that are both far less and far more human than the norm have been reported.
Our research also indicates that these phenomena are increasing in frequency and I believe we must work to understand them as rapidly as possible. At this time we have no answers as to the nature of these new phenomena, but something new and unusual is occurring and I believe that all of these unusual phenomena are related and should be investigated together. However, it is important to remember that not all of these anomalies are harmful or negative. We now have a documented case of an active protopsion as well as contact with another individual that currently remains inexplicable, but who may possess an entirely new variety of psionic power. Perhaps by understanding these various new phenomena we can make significant breakthroughs in the study and use of psionics.
The following are a list of some of the most unusual cases related to these anomalies that we have so far encountered.
Southeast Asia
Shan State: SE Asian field teams report an 11% increase in prohibited activity in Southeast Asia since August. The rate of aberrant eruptions has risen significantly, and technological White Codes are more common. Recently there have been several extremely disturbing incidents in Burma's Shan State.
In October, our department initiated a raid on a secret Samphan-Tzu clinic after intelligence indicated they were performing experiments with aberrant tissue. The initial plan was for a standard infiltration-and-destroy mission using telepathic impersonators. This failed utterly when their chief of security immediately saw through our agents' telepathic disguises. She also proved to be completely resistant to mental attack, as well as extraordinarily physically capable.
Agent Rebecca Wu was severely injured during the subsequent fight. To avoid death or capture, the remaining agents initiated a controlled retreat followed by an emergency pick-up. The operation was a complete failure, and when they returned the next day with a larger, heavily armed strike team the clinic was deserted. Fortunately, the leaders of the Samphan-Tzu Triad seem to have understood the reason for the raid. All taint-related research materials were still there, along with the body of what our clairsentient indicates was the researcher who was performing this work.
The clairsentient also indicated that there was no taint or quantum signature associated with the security head, nor was she a psion. Analysis of hair and skin samples recovered from a sweep of the compound confirms that she is not an aberrant, but indicates that she possesses an unusual genetic structure. We may be seeing the first of a new breed of genetically engineered supermen, or may have stumbled onto something else entirely. Efforts continue to track down the new location of this clinic. The recent psionic interference is the most likely partly responsible for our current lack of success.
Greater Siam: The next incident is even more disturbing in its implications. Acting on an alert about strong active taint signatures, a heavily armed strike team entered northern Siam on November 22. Tracking down the source was relatively easy. At first it seemed like a small aberrant cult. There were a dozen people living in a village with one of the most deformed aberrants yet reported. If there hadn't been a very large taint signature, the team leader reported he would have assumed that the creature was an extraterrestrial. Now completely devoid of humanoid form, this creature's body consisted of a large, wide fleshy cone, 1.5 meters high, topped by a trio of thick, flexible stalks. Two of these stalks were complex branching arms, the other ended in an oval head with four large eyes and an array of other complex sensors. While it was not sessile, it could not move rapidly except when using its potent gravitic powers to fly. One of the team members attempted to telepathically subdue the humans, while the others attacked the aberrant.
The aberrant was immune to telepathic attack, but was unable to fully deflect conventional attacks. However, at this point one of the apparent humans surrounded himself with a shimmering nimbus of unknown power and began attacking the team. He generated some form of spatial shock wave that rendered most of the team unconscious, then opened a warp and departed along with the other aberrant. The humans fled into the jungle, but the two conscious agents managed to capture one. Memory probes indicated that the two aberrants had arrived almost a week ago, and were intimidating and paying the villagers into helping them search for the entrance to some type of cave. Since neither being appeared to be a typical aberrant, the villagers assumed they were both some type of gods or demons. An examination of the taint signatures around the village indicate the both creatures were clearly aberrants, but that the human-looking one had an abnormally low taint signature, especially considering its obvious level of power. Investigators are still searching for the cave these aberrants were seeking.


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What are Cookies?
When you visit sites on the internet they can place small text files, with ID tags that are stored on your device (computer/ mobile/ tablet) these are called Cookies.
Cookies allow websites to keep track of your movements whilst on the site, for example a shopping site can track what's in your shopping basket and provide functions to improve your shopping experience.
To order Apps and services on the Casio Business Portal website you need to have cookies enabled. Cookies are common and won't cause any harm to your device. No personally identifiable information is stored within cookies.
Your privacy is important to us, so we have made improvements to better explain how we handle cookies and how you can control the cookies that are stored on your device. These improvements are in line with the new EU directive on the use of cookies by websites.
What types of activity do we use cookies for?
Types of Cookies
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|This cookie allows you to move from page to page at the site without having to sign in again on each page. When you sign out, these cookies are deleted from your computer. We also use cookies to improve the sign-in experience. For example, your e-mail address may be stored in a cookie that will remain on your computer after you sign out. This cookie allows your e-mail address to be pre-populated, so that you will only need to type your password the next time you sign in. If you are using a public computer or do not want this information to be stored, you can select the appropriate radio button on the sign-in page, and this cookie will not be used.
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|These cookies enable the function of Google Analytics, which is used to track a user's shopping activity on the casiobp.co.uk website and enables us to improve website functionality and customer experience; _utma: Each unique browser that visits a page on our website is provided with a unique ID via this cookie. Subsequent visits to the site via the same browser are recorded as belonging to the same visitor. Please note: If two different people sharing the same device account and browser access the site, only one unique visitor ID is recorded even though two unique individuals have accessed the site. _utmb, _utmc: Used to establish and continue a user session on the site. _utmz: Stores the referral used by the visitor e.g. whether you visited the site directly, or visited us via a link (ad campaign, search engine etc.). Further information is available from cookies & google analytics
Accepting and deleting cookies
If you decline cookies you may lose some of the beneficial website functions of cookies. No personally identifiable information is stored within cookies. Therefore, we recommend you leave these turned on.
To check if cookies are enabled on your device, please follow the steps below. Alternatively, view your browser's help pages or information on how to manage cookies at www.allaboutcookies.org
Microsoft Internet Explorer
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Mozilla Firefox
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- History select use custom settings for history to manually manage the cookie settings.
Goggle Chrome
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- Select 'Content Settings' within Privacy
- Select your own preferred settings;
Safari for Mac
- Click on Safari, then select Preferences
- Click Privacy to view Cookie preferences (Note: Safari blocks third-party cookies by default)
Mobile / Tablet Device
Android 2.1
- Browser -> Menu -> More -> Settings - Under the Privacy Settings section you can manage the cookies here
Android 4.0/ICS
- Open Browser>Menu>Setting>Privacy and Security


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Square Magazine / Bochure Mockup – Freebie PSD
Square Magazine Mockup is a Freebie PSD file from GraphicsEgg. This PSD File is in 3000x2000px. You can add your own artwork invividual on both pages easily with the help of smart objects.
You can also change the background of the scene to fit your design needs.
Format: Layered PSD
Layers: SmartObject
Dimensions: 3000×2000 pixels
Size: 38.6 Mb


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Your Hotel Direct credit:
with your
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Crowne Plaza Reading
Exceptional 100%
Reading Centre Centrally located 4* hotel offering pool and spa.
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UK-based customer service with freephone: 0800 633 8000
The 4 star Crowne Plaza Reading is ideally placed in the town centre close to many shops and attractions ... More info
Holiday Inn Reading M4 Jct10
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Reading & Legoland Free parking, swimming pool and gym
"excellent hotel" (30/10/2015)
The Holiday Inn Reading is conveniently located just 1 mile from Junction 10 of the M4 and a few moments ... More info
Holiday Inn Reading West
New hotel
Padworth. 3 star hotel just minutes from the M4.
Cheapest price guaranteed
UK-based customer service with freephone: 0800 633 8000
The Holiday Inn Reading West is conveniently located just 7 minutes` drive from the M4 Junction 12, makin... More info
Holiday Inn Reading South M4
New hotel
Reading South. 4* Hotel with pool and fitness centre.
Cheapest price guaranteed
UK-based customer service with freephone: 0800 633 8000
Located just a couple of minutes from the M4 the Holiday Inn Reading South has great transport connection... More info
With Hotel Direct you can make your break for LESS money. It's cheaper because when you book a break, we pass on special discounts for packages from hotels and train companies as well as making the total price lower. And you'll make a break in LESS time because in one place you can book your hotel, your train plus 1000s of shows, events and attractions.
Hotel Direct is currently checking live availability of
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Dear . Fantastic news! You have a credit of to spend against your next hotel booking. Hotel Direct has awarded this money back to you in thanks for your regular custom. We hope that you have an opportunity to enjoy this personal money-off offer very soon. T&Cs apply.


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If you believe that Baldrige is one of America's best investments, please read on because those of us in Northern New England have a unique opportunity to make a difference.
The Baldrige Foundation is working to restore federal funding for the Baldrige Program in the FY2017 Budget. This process began with the Senate and House Appropriations Committees. Both Senator Shaheen (NH) and Senator Leahy (VT) are members of the Senate Committee and have been contacted. We now need everyone in New Hampshire, Maine, and Vermont to contact their Congressman (House or Representatives) and ask them to sign-on to Congressman Sam Graves' Appropariation request for Baldrige. Gongressman Graves is leading this fight for us and he needs the support of his colleagues - our member of congress. Please email your congress person using the information and documents provided to indicate your support for this small amount of funding that will make a tremendous difference to our country.
We appreciate you taking the time to support Baldrige. The $7.5 million appropriations request for restoration of federal funding combined with the Baldrige Foundation's financial support assures the Baldrige Program's continued reach across key sectors of the economy, including health care and education, and strengthens the formal nation-wide network of state and regional programs.
Instructions for contacting your congressman:
If you have any questions please contact email@example.com
Thank You!
The GSQC is pleased to announce the recognition of two organizations as part of the 2013 Granite State Awards and Recognition Program.
Achievement of Excellence: Phaneuf Funeral Homes and Crematorium. Phaneuf Funeral Homes and Crematorium have been serving the public since 1906 and is one of the oldest continuously family-owned funeral homes in New Hampshire. The Funeral Home offers four full-service funeral homes—two in Manchester, one in Boscawen and one in Littleton—plus two crematories, three non-denominational chapels, and a cremation society. Phaneuf is also a Better Business Bureau Torch Award recipient and has also been named Friendliest Funeral Home in NH Magazine's Best of NH issue.
Profile Recognition: City of Dover. Dover, New Hampshire - The Garrison City. Settled in 1623, Dover is the oldest permanent settlement in New Hampshire and the 7th oldest in the US. Dover is conveniently located in the seacoast area of New Hampshire, a one hour drive to Boston, MA, Portland, ME and the NH Lakes Region and White Mountains.
We congratulate both of these organizations for their commitment to performance excellence that has earned them the recognition. We also recognize all of our volunteer examiners and judges who used their training in and knoweldge of the Baldrige Criteria for Performance Excellence to evaluate and provide valuable feedback to these organizations.
Files and resources for 2012 Examiner Training (see "Attachments" below to view and download these files)
-Tillingate Living Case Study (Application)
- 2011-2012 Health Care Criteria for Performance Excellence
- Slides for Part 1 and Part 2 of the Training
- Worksheets for first and SECOND assignment
- Sample Independent Review Worksheets for Item 5.1
Added to support final assignment:
- Sample Independent Review Worksheets for Item 7.3
- Examples of feedback ready comments using N-E-R-D format
- Scorebook Navigator Independent Review Manual (follow the 2010 Baldrige Process)
Added for Final Workshop
- Slide Deck
On Wednesday August 15th, the New Hampshire Board of Education recognized Boynton Middle School (BMS) in New Ipswich on Wednesday for its Achievement of Excellence. (See Photo: from left to right - Asst. Principal Chip Mercurio, Board of Education Chair Tom Raffio, SAU 87 interim Superintendent Dr. Betsey Cox-Buteau, and Principal Tom Starratt). On Monday August 20th, the 25th anniversary of the Baldrige Program, the GSQC held a Recognition and Sharing Event to congratulate and learn from BMS as well as thank and recognize our volunteer examiners and judges who make our program possible.
The Achievement of Excellence is the highest level of recognition in the 2012 GSQC Awards and Recognition Program (see press release for details). In an interactive presentation, BMS Principal Tom Starratt and Assistant Principal Chip Mercurio shared their student, staff, and stakeholder-centered approach to school improvement and why they chose to use the Baldrige Education Criteria to support this approach.
The GSQC Examiners and Team Excellence Award Judges who served in our Programs this year were also recognized at this event. In the attached photos, GSQC Chair Tom Raffio recognizes
We are truly grateful to all who participated in our Recognition and Awards Process this year. Contact GSQC Executive Director Anne Warner to learn more about the benefits of becoming an applicant, examiner, or judge for the coming year which kicks off in September!
Thank you to our sponsor Northast Delta Dental for hosting this event
Click here to see the BMS Recognition Announcement
The Baldrige Program has been ranked as a top 2011-2012 Leadership Development Program by Leadership Excellence magazine. Baldrige was ranked 11th in the list of government/military leadership training programs along side of others such as the Navy Seals, Army Rangers, and West Point.
The magazine used survey responses, interviews, and site visits to evaluate the programs. Organizational rankings were based on seven criteria: vision/mission, involvement/participation, accountability/measurement, design/content/curriculum, presenters/presentations/delivery, take home value, and outreach.
The GSQC provides Baldrige training in New Hampshire. Click here to for an overview of our training programs and contact us for more information.
Please join us on Thursday, September 8th to let our New Hampshire Congressional Delegation know that
mso-bidi-language:AR-SA">America Needs Baldrige!
There is currently no funding for the Baldrige Performance Excellence Program in the proposed 2012 budget. The main reason for this is that the value and impact of the program is not understood. It is unfortunately seen as an "Awards Program" and not as the ultimate resource for efficiency and high performance in all of our organizations. If anything, we need more Baldrige to support the country in managing our fiscal challenges. While it is reasonable to take a close look at the Program to understand if changes in how it is managed are warranted, a sudden cut in the funding will cost the country more than the approximate $10m budget. Remember that the Baldrige Program is a public-private partnership that engages thousands of volunteers to support high performance in our schools, hospitals, government, nonprofits, and businesses.
What can each of us do?
The two attached files provide some answers to Frequently Asked Questions, and additional information on why America Needs Baldrige.
Thank you for joining us in communicating why #C00000;mso-ansi-language:EN-US;mso-fareast-language:EN-US;
mso-bidi-language:AR-SA">America Needs Baldrige!
The GSQC's 2011 Examiner Training kicks off on Wednesday, September 21st with the first fill day session. This will be followed by a two hour webinar session in October (date TBD) and conclude when we join our colleagues in Vermont for the final full day session on Tuesday, November 1st.
Registration is now open - Click here to Register
See the attachment to this article for details or Contact us for more information.
September 21st - Hosted by Northeast Delta Dental - Concord, NH
November 1st - Hosted by the VA Medical Center - White River Junction, VT
This webinar will be a repeat of the January 11th webinar summarizing the changes to the 2011-2013 Criteria for Performance Excellence
Register for the January 18th webinar
Where: Your Computer (login information will be provided after registration)
Cost: GSQC Sponsors and Current Examiers: Free
All others: $10 (Credit or Check)
Groups of 3 or more using same login: $25
Contact us
603-223-1312 • email@example.com
Granite State Quality Council, PO Box 29, Manchester NH 03105-0029


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I said in earlier posts that, as part of my quest to learn to like Belgian beers, I'd give Celis White another shot, since I probably haven't had one in 12 or so years. Well, I bought a sixer from Grapevine Market, but nope ... I just don't like it. The problem isn't the Belgianness — as I've established over the past couple of weeks, I've learned to like Belgian styles. No, the problem is that Celis White is a wheat beer. And I'll probably have the same bunch of friends ride my ass for unilaterally stating that I do not like wheat beers (just like I did with Belgians), but it's just a fact: I don't like wheat beers. And this tasting of Celis confirmed it.
At least, I didn't like the ones I've tried so far. Actually, that's not exactly true — I remember having a dunkleweissen (dark wheat) that liked. Mainly because I think it was malted to the point that I couldn't really taste the wheat flavor — it just tasted like a dark ale to me. But these summertime wheats that you're supposed to squeeze lemon into — they just don't do it for me.
However, having established that it's the wheat — and not the Belgian — that I don't like, it makes me wish I could give Celis Grand Cru another shot. I didn't like it way back when, but then I again, I thought Shiner Bock was the greatest beer in the world back then. Apparently, Michigan Brewing Co. — the company that has revived Celis White after it was out of production for several years — has also revived Grand Cru, too, although, strangely, there is no info about it on their website.
15-24 Brewhouse, Another Beer Worth Driving For!
9 hours ago


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Baylor College of Medicine doctors are now using a recently FDA-approved, directional deep brain stimulation system with current steering capabilities to treat movement disorders like Parkinson's disease at CHI St. Luke's Health–Baylor St. Luke's Medical Center. Baylor St. Luke's is one of the first hospitals to treat patients with the new device.
Deep brain stimulation is a surgical procedure that uses electrical stimulation to target areas in the brain that control movement. This process blocks the nerve signals that cause the symptoms found in movement disorders such as Parkinson's disease, including tremor, rigidity, stiffness, slowed movement and balance problems.
The new device, the St. Jude Medical Infinity™ Deep Brain Stimulation System, uses a directional lead designed to more precisely steer electrical current to relevant areas of the brain while avoiding areas that may cause side effects. Up to eight independent electrode contacts can be programmed, creating a more customized therapy.
"The current steering made possible by the Infinity system offers a new method to individualize and optimize the benefit from DBS for patients with movement disorders who are candidates for the treatment," said Dr. Joohi Jimenez-Shahed, assistant professor of neurology and director of the Deep Brain Stimulation Program at the Baylor College of Medicine Neuroscience Institute.
Two procedures are required to fully implant the device over the course of 1 to 2 weeks. The process of fine tuning the stimulator occurs in the clinic and may take several months for patients with Parkinson's disease.
The new device is controlled in the doctor's office using a wireless iOS software platform on an iPad mini™ mobile digital device and offers a streamlined programming experience. Patients also can use an iPod Touch mobile device controller to discreetly manage their symptoms.


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Yesterday I purchased a metal file which enabled me to do some 'fine tuning' on the cheap snow foam gun bought on eBay and sent from China. The recommended gun cost approximately $100 and the supplier was in the UK. However the Chinese replica was $20 and I'm hoping it will do the same job. This morning was all about the maths in calculating the ratios for car wash mixture in the snow gun bottle.
The first step was to fill the snow gun bottle with water. When using the gun this will be a mixture of car wash and water, but it's the ratio I wanted to calculate today.
I also need to use two buckets to catch the water that passes through the gun in order to calculate the total amount of water passing through the gun until the snow foam bottle is empty. We have two new buckets but there is nothing on them to indicate capacity. So my second step was to fill one of the buckets with water using a container with a known capacity. The capacity of the buckets was calculated at 15 litres.
The third step was to empty the bucket and then refill it I used the pressure washer and snow foam gun. The purpose of this was to establish the volume of water that must pass through the pressure washer to empty the snow foam bottle. Actually this turned out to be a relatively simple task resulting in the snow foam bottle emptying at the same time the water filled the bucket.
So the total water usage was 15 litres. The snow foam bottle has a capacity of one litre resulting in a 14 to 1 ration.
Things became slightly trickier with the car wash. It's American and the ratio was provided in US imperial. 1oz to 1gal. (Actually the instructions stated 1oz or 1 cap) This was converted to metric
1oz = 0.284131 litres
1gal = 3.785 litres
Calculate number of gals in bucket = 3.69 (14÷3.785)
Therefore the correct ration is 3.69 caps or 105mm of carwash to be added to the water in the 1 litre foam gun.
Why be so precise?
Using less than the required amount of car wash is likely to result in an inadequate density and coverage of foam on the vehicle. Using too much is a waste (and the car wash is expensive).
Having completed that task I went on to crimp the terminals on the 12V fuse box I purchased from China.
There are a total of six fuses divided into two banks of 3. The box has two 12V supply input cables and six output cables. I crimped male spade connectors onto the input cables and female connectors onto the output cables. The logic behind this was I wanted to ensure any "live" terminal had an insulated female end.
I think I might have found a location for this fuse box under the 4x4 steering column.
Another small task was to assemble the switch assembly which has been made up of very cheap components purchased from China via eBay.
The three switches will be for the LED Light Bar on the front of the vehicle; the Tyre Pressure Management System and the Two-way radio. The Dash Cam will be permanently on and therefore won't require a switch. I think I've found a location to hide these switches. There is a small, flat cabinet with a lid on top of the dash. Each switch has an LED which will illuminate when on but because the switches will be inside the cabinet almost no light should escape.


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Use this coupon on your first order on this site and receive $3 discount, regardless of order value.


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phillip torrone, famous flash guru, has some star wars: episode ii photos, themes, and a short clip available for pocket pc users at this special site. you need to enter a user name and password to download the items and read his commentary on his preview of the movie. being a die-hard star wars fan (my "palmsolo" name comes from my use of palm devices and my favorite character, han solo), i can't wait to see the movie this week! thanks to pocket pc thoughts for the link.
user comments 3 comment(s)
|palmsolo? (9:26am est wed may 15 2002)
i thought "palmsolo" meant you have your hand on it a lot!!!
just kidding :)
cheers – by monkeyspanker
|on that theme… (9:29am est wed may 15 2002)
or one could be a "hand in my pocket" pc user….
cheers – by monkeyspanker
|very cool (12:30pm est wed may 15 2002)
glad i have a pocket pc! – by mm


text:
Faculty of Applied Science & Technology
Computer Programmer
Get on the fast track to a computer programming career.
Program Fees
Fees are in Canadian dollars and include tuition, health insurance and ancillary charges.
Financial Aid
Your education is a big investment, and we're here to help! There are many financial aid options available to assist you, including OSAP, scholarships, bursaries, and Work Study. Keep an eye on our Financial Aid & Awards page for regular updates, and check out these important links:


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- Just google about the site and read forums and investigation reports of a PTC site and then join.
- Join the site if and only if you will be active clicking ads daily.
- Dedicate some specific time in clicking ads daily and check it often (if you could); so that you may not miss some mini advertisements worth of some cents.
- Join a new PTC as soon as the launch 'cause, the one which is new will always concentrate on its reputation initially. So, they will surely pay atleast for the early members.
- Never take risk in upgrading or renting referrals in a new PTC site.
- Rent referrals only in some LEGIT and good PTCs having a long run atleast for a year. I recommend Neobux and PalmBux.
- If you have good time in spending for PTCs then go for GPT (get paid to) programs where the ad value may be less but more ads and more other programs will be on their site.
- Join sites which have a instant payment with minimum of $2.00. So, that we will be happy if we get the money instantly after a long time of work.
- After getting atleast one payout, start advertising with your banners or other means to get some direct referrals to join under you to earn the next payout soon.
- If you feel the site will go for a long run, then try to invest a little money to rent some referrals and that too from the payout received from that site. So that you won't loose any money if also it is scammed.
- Put your banner in every possible sites like easyhits4u, hits4pay and also in the PTC sites if you earn some credits.
- Go to your friends and tell them orally that you have earned online and show the proof if you have one. Try to convince them if they are really interested.
- Use chat as medium to get direct referrals. I use Yahoo chat and MSN messenger.
- Simply enter into any room any room and broadcast "Those who want to earn online - Please buzz me. I have payment proofs" like that.
- You will surely get one or 2 a day. The next thing immediately you have to do is help the referrals as much as you can; so that they might me interested in helping you at the same time earning for them.
- wordlinx
- clixsence
- Linkgrand
- NeoBux
- PalmBux
- SVBux
- HyBux
- TurquADs
- arclicks
- HKBuzz
- RowBux:
30 comments to "Tips to get success in earning through PTC ! ! !"
I always thought that in PTCs..you just have to log on...click.. and that's it... i never thought there are better ways to earn from them... This is a great post you did here... it helps a lot of people who are into PTCs as well.
this is the super article,i like to join the PTC and join,it is a nice way of earning,thanks for sharing.
thanks for the blog you make. I learned alot from you. Anyway keep posting more of this, You will help a lot of people. especially those who left PTC as their source of income
i was eagerly awaiting that some one would guide me in choosing the genuine ptc over scam ptc,and fortunately i saw ur blog and ur tips will definitely help me in finding the genuine ptc.good tips and will guide the beginners who wants to earn money from home
the post is very useful...for the guys who want to make money with the best wat that pay high is PTC....bux is very good site of such example so.....thnx for post !!
I have bookmarked this post. Very useful. I have just started with PTCs and have been put off by scams. Your list of stable and legit sites along with the info is most valuable.
This article is very good for those people which wants to make money from home. people know about the PTC sites the best way to make money.
PTC is really effective way to earn some money online but only when follow the tips and tricks which is describe in this article briefly and whole PTC earning method depend how much you are active to promote the site you join and its key factor to earn some handsome money.
I think do some referral exchange can also brings you more referrals but you have to spend more time to click.And I think finding a legit PTC is not easy,you must do a lots of research before you promote any site
Well, I've signed up for Neobux which is a legit PTC site, for sure. I trust this site, but am not sure about hiring paid referrals. Thanks for letting me know about several other less known legit PTC.
this blog is really useful to me i am new to ptc sites , this are very useful information for the people like me, thanks for posting.
oops ! i kinda missed the band wagon.
My friend gattu send me an invitation of PTC site which i did not join.
After reading about Legacy, trusted PTC's thinking of joining the PTC''s
thx for info, keep posting
Yaa it is very important to know which sites are legit and which are scam sites. I only signup with trusted PTCs. Keep your updates on new sites.
This alright,i hope this site is not scam.
This was the one that i woz searching for since there are amny sites itz very difficult to find out a good site.thakx for the information brotha.
I'm new to PTC and I got some useful informations here from this article. Thanks a lot!
informative article for earning good money in freetime for begineers.All the information regarding scams are clearly explainded by you in your blog.All the genuine sites are also given.Anyone can make money using this.Thanks for posting such a nice blog.Keep it up in future.
your article really help newbie like me in PTC world improve experience and earn more from PTC world with fewer effort
you are right many new ptc are concentrating to pay for early members i was giving more attention
to low payout sites im also doing neobux and also thank you for providing new sites like row bux
in my opinion PTC sites dont pay a healthy return, but some are there which pay you very well, like star-clicks.com
thank you for the pointer you wrote, this the kind of information we need if we want to go into PTC. It's hard to get information about PTC because you always end to referral link and adverstising but not this kind of information.
nice post. thanks for this useful article even i am not very fans of ptc site but there are many ptc sites are legit.
Thanks a lot for the information..its a great help for me...
Thanka a lot to BC that i came across ur blog..
keep it up man
October 8, 2009 at 6:17 PM
HD says:
First I want to congratulate you for this amazing blog!
We Are Pleased To Announce The Launch Of Movies Gallery 09, Mobile Movies in 3gp format, Reality show, Upcoming Movies 09 Trailer, About Dubai,Real Estate, Tips Of Career And Many More. .
To start just go to http://www.whydubai.net
We hope you like it. Please send us any feedback and help us improve the sites further.
hi thanks for sharing, i also have a same blog as you, maybe we should support each other. Cheers.
Do visit me @ http://ptclive4u.blogspot.com/
i never thought about online chat room advertising , this article was an eyeopener for me to get more referrals in ptc sites like neobux , expecting more kool articles from you
As i was searching some sites about ptc this article helps me much more to work with.
A very informative article. I'm new to the field of online earning so this was really useful info for me
Hi, friend you have nice article on ptc sites, in the list of genuine site i am into all of them.
Thanks sharing
hi your sites on ptc are good.i have registered in them.but can u tell me to create banner. i am not having any banners
Blog Archive
- Do you know about Tissa godavitarne ?
- Know how to earn in myLot - The most reliable PTP
- Another scam site ! ! !
- Yippee ! ! ! The next is from Trekpay ! ! !
- Making $100 a month in google adsense ? ? ?
- SvBux is gaining fame and paying instantly ! ! !
- HYIP - A Real Report ! ! !
- PalmBux leading NeoBux:
- Cheepest way of advertising ! ! !
- See How payment Proofs Are MADE...
- Brand New Unique PTCs to join:
- Strategy of NeoBux Earning:
- Tips to get success in earning through PTC ! ! !
- Hurray I am glad ! ! !
- Some more LEGIT PTCs to make money:
- Month of October starts with scammers :
- ▼ October (16)


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Great customer support can be summed up in one goal: make it easy for customers to get their problem solved quickly and painlessly. Out of all the customer support channels available—phone, email, social or chat—live chat is by far the fastest, simplest and least obtrusive. So it is no surprise that nearly a third of consumers now expect live chat to be available for contacting a business.
Live chat does more than provide on-demand support—it converts customers. A whopping 77 percent of online shoppers want to contact a real person before buying. When combined with customized triggers and real-time visitor monitoring, proactive chats are a powerful measure against shopping cart abandonment. Especially for the 55 percent of customers who are likely to abandon their online purchase if they cannot find a quick answer to their question. Additionally, recent Forrester research found that 44 percent of consumers said that having a live person answer their questions while they were in the middle of an online purchase was one of the most important features a website could offer.
When agents are empowered to handle multiple customer conversations at once, they're able to resolve several issues concurrently, rather than being forced to handle one call at a time. Chat agents can engage in as many as six simultaneous chats, depending on the complexity of the issues involved.
Additionally, with the use of triggers, agents can save on repetitive typing by setting up time-saving shortcuts like automatic greetings for customer on the site longer than 30 seconds or personalized messages activated by customer behavior such as lingering on a single product or pricing page.
Agents can chat each other with helpful tips at the same time they are serving your customers. That means issues are resolved more efficiently because of internal knowledge sharing. If your business offers multiple product lines, you can also set up triggers that will automatically route your customers to the agents specializing in that product before they even start to chat—saving both your agents and customers effort.
Unlike email, chat also allows for in-the-moment support to upset customers. An agent can quickly assist a disgruntled customer via chat before the issue escalates or extends to more public channels like social media—with voice or email support, this opportunity could be lost.
Get to know your customers better with data provided by live chat software. Live chat delivers valuable data about customer behavior, location, and devices which can help target your marketing and support efforts.
Live chat also offers an additional channel for collecting customer feedback and a valuable opportunity to ask visitors pointed questions to help you identify the best sales approach. It's an easy and inexpensive way for visitors to evaluate their experience and offer suggestions for improving your customer service.
Everyone appreciates being noticed as an individual—online shoppers are no different. As a marketing tool, chat offers new opportunities to push out targeted incentives and offers. By using triggers or alerts that indicate when a VIP or repeat customer arrives on your website, agents can make more relevant marketing offers via live chat.
Here we, View Nepal provides a live chat in your websites so that you and your potential costumers can directly contact with one another for any of queries and deals with easy live Chat.
Contact View Nepal Web Hosting or call us today at 01-4431263, 01-2044462, 9860073031 to learn more!