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Search & Read
Three Random Satsangs
ShiningWorld Reader
Are You Part of the 99.999%?
All jivas are born in fear. This is the original sin that religion talks of. Religion sells sin as a transgression against God, but that is not what sin means. It means to "miss the mark." In other words, the idea that we are born in sin means we are born in ignorance of who we are, our true nature as awareness. The ego is a fear-thought born of the belief in separation.This fear is the "wound of humanity," as I sometimes call it. It is the king of all vasanas, also what we call primordial beginningless ignorance, another name for maya. The more user-friendly term for this vasana is "free-floating anxiety," which, if self-knowledge is not firm, causes a non-specific, unnamed existential fear, or dread. It is the fear that causes knots in the solar plexus. It is sometimes called the fear of "being and becoming," what the Christians call "original sin." It is always present, yet hidden in the causal body, and it is looking for objects to attach to (rajas/tamas). It is related to "others"; it is the ultimate experience of duality, or "otherness."
Not everyone experiences it directly and acutely, although many do without even knowing it much of the time. The skyrocketing number of people experiencing anxiety attacks is testament to this. However, in most samsaris it works out in petty mundane and indirect ways all day long, year after year, the death by a thousand cuts. You can see the accretions in the faces of samsaris as they age – the exhaustion of existential suffering, the weight of the vasanas etched in faces inured to delusion. The fear-thought is reinforced at every turn in our society, through advertising, the media (only bad news sells, after all) and of course through "entertainment." The more violence or threat of violence in a book or a movie, the more it sells. It seems jivas are addicted to fear and are drawn to it like moths to a flame.
You will notice that this ignorance is called "beginningless" ignorance. The implied meaning of this phrase is that it is not endless, because self-knowledge ends personal ignorance (avidya) for good. However, the nameless fear-samskara is one of the last to go for most inquirers. Self-realisation is no guarantee that it has been rooted out. For most people it disappears for a bit, then reappears, from which we can determine without doubt that fear is not real. Unfortunately, this knowledge is often not enough to slay the fear-dragon for good. There is no quick easy fix if fear is playing out in the mind. It will play out until it does not anymore, so the only solution is to apply self-knowledge when it arises and it is seen for what it is. In order to apply self-knowledge to fear-thoughts, they need to be identified and dissolved in the knowledge. For most people, fear is so ever-present that it goes unnoticed, because it is considered "normal," even smart. Cynicism and lack of trust are the mark of a "worldly person."
The ever-present but often unseen anxiety is a by-product of very deeply rooted samskaras, which have their origin in ignorance of course. It is macrocosmic or universal rajas (projection) and it is part of the dharma field. Everyone who is identified with being a person is affected by it to some degree. Usually the vasanas will exhaust themselves after a while, even though they inevitably return, but this one, this unnamed fear, is constantly "on." As the self it doesn't bother you at all of course, and for those who are self-realised but not self-actualised, this unnamed fear will come and go. It is manageable if one does not identify with it, but to be free of the person's conditioning it needs to be purified through self-knowledge, as it causes great agitation for the mind, making true peace of mind difficult to achieve or maintain.
With regards to a specific fear, such as fear of injury from one's environment, it really helps to break down the threat. If you are going to act on a fear from external factors, it is best to act on facts based on reliable and proven statistics. Statistics is a record of the "big picture," the likelihood of an incident with reference to the total incidents and/or the total possible incidents. However, for statistics to be accurate, you need to be able to read them accurately.
A very important fact to bear in mind with regards to ALL research statistics is this: they are only as good as your ability to understand them with reference to THE BIG PICTURE. Most often though, statistics are interpreted to mean whatever people want them to mean, so they get totally distorted.
When looked at from a limited fear-perspective fuelled by anecdotal evidence (stories told by people who heard them from someone else), things can be blown completely out of proportion. If fear is what drives your assessment of any situation, fear is what you will see. Fear attracts fear.
So Is Fear Smart?
Fear is a natural emotion, the downside of desire. For one to live happily, it needs to be managed. Sometimes a fear is smart, sometimes it not smart. Yes, if you are standing in the middle of the road and a car is coming toward you at sixty miles an hour and fear motivates you to move, fear is smart, assuming you enjoy living. If you live in an area where the crime rate is high, it is prudent to be alert and lock your doors. However, most human fears are statistically challenged gratuitous fears. The problem with fear is not the unfortunate consequences it causes you to imagine, but fear itself.
To manage fear – the threat of bodily injury or death, for instance – accurate information is required. Anecdotal evidence is not accurate information, because it distorts threat assessment. A neighbour experiences a robbery, tells you about it and then tells you about other friends that have been robbed. You conclude that you are at risk. But is it true? Are you more at risk after you have heard of the robbery than you were before you heard of it? Probably not. You may even be less likely to be robbed insofar as robberies increase surveillance and thieves tend to go where surveillance is less.
When looked at with reference to the big picture, unless one is living in a country like Syria where dharma has almost completely broken down, destabilising life for everyone as the system that keeps things going has all but collapsed, crime and injury statistics paint a very interesting picture.
The sad thing is that few people look at or understand the big picture and how they fit into it. Whether one lives in what are considered "safe" environments, like the U.S. or North-western Europe, the majority of people worldwide live in fear of something bad happening to them. Yet seen from the perspective of the statistics above, people worldwide have less than a fraction of a per cent chance of experiencing mild to severe catastrophic events, also called "black swans," even in high crime areas. Black swans are events that come "out of the blue" and can neither be predicted nor avoided. So if our original threat of a black swan is, say, .001%, even if we live in a country with a high crime rate and we apply the mitigating facts above, we have to add another zero or two to the percentage and the "threat" becomes almost laughable.
Taken on a worldwide scale and factoring in all war zone areas, even if we extrapolate these statistics and expand the likelihood of injury to 2% overall (which is probably too high), then 98% of time 98% of people on the planet will not experience injury in any form. In fact life will go along pretty smoothly apart from the usual ups and downs typical of life in samsara – which goes to prove that this is really a benign reality. Isvara is not "out to get us" at every turn, but can be trusted to be taking care of us for our best possible growth and sustenance at least 98% of the time. Regardless of what we have all been brainwashed to believe, the fact of the matter is that dharma is upheld 98% of the time throughout the field of existence. If it were not, we would all be refugees, packing guns and fighting for our lives, like the Syrian civilians are doing.
Notwithstanding seemingly endless evidence to the contrary, the dharma field can only function if dharma is upheld by the majority. It is a very small percentage of adharma practised by the minority that creates evil in all its forms – from the worst brutality to petty crime – and infects all minds with the thought that life is dangerous for everyone and no one is to be trusted.
Because of the nature of fear and maya's power to delude, most of us live as though the facts were the other way around. In other words, we make the .0001% to a maximum of 2% of anything bad happening to us actually 99.999% to 98% that it will. One only has to look at the booming insurance costs to know this is true, which is why insurance companies make so much money: because they know that most of the time nothing bad happens!
So how are we going to negate the deeply entrenched fear-samskara? A "coping strategy" while helpful is not the answer; self-knowledge is the only answer to fear because fear is not real. Fear stands for False Evidence Appearing Real.
Ramji recognised the power of fear when he first realised the self and he strove to eradicate its power in the mind with a vengeance. He will not entertain any thought that has is origin in fear, not even the relatively benign thought like wondering about someone's hidden motives to locking his car door, unless he is in an area where crime is rife, which is seldom.One does have to use common sense. But beyond the application of common sense, fear-thoughts are the most debilitating and life-negating. Fear-thoughts come in many disguises, like having a suspicious, mistrusting mind, acting as though you are better than others, criticising others, manipulating people or situations emotionally or by whatever means to get what you want, dishonesty, etc. The list is long.
To believe in the reality of fear and carry it in your mind throughout your life is to kill the joy and spontaneity that make life truly beautiful.
So make a sankalpa (commitment) to negate every fear-thought that arises in the mind with the opposite thought, in the moment. Say to yourself, "My jiva lives in the 99.999%, not the .0001%." Dare to live dangerously by embracing the freedom of choosing to live without fear. Never give in to gratuitous fear, for if you do, the price is always loss of freedom, loss of joy, loss of peace. Trust Isvara in all its glorious forms.

subset: commoncrawl


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Stockyard Hill Wind Farm
The Stockyard Hill Wind Farm will be the largest wind farm in the southern hemisphere with 149 turbines.
Each tower will be 180 metres high.
It will power approximately 340,000 homes per year.
The first rollout will commence in the first quarter of 2018.
Please refer to this website for current updates.


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In the August 8 online edition of Marie Claire magazine, Taylor Swift admitted to having five fears. She is afraid of sea urchins, Googling herself, earwigs, cynics, and getting arrested. While not the standard fears of death, heights, flying, or speaking in public, her list prompted me to wonder what am I afraid of? What is on my own fear list?
I grew up in the Midwest and all I remember being afraid of was the reeds and grasses that grew in the bottom of the lake where my grandparents had a cottage. I was sure my legs would get tangled and some mythical force would pull me under the water. We can get past the fact that I was only swimming in about three feet of water and even if I were sucked in, I could stand and my chin would still clear the surface of the lake. Since I don't swim there anymore, I am no longer afraid of lake weeds.
I used to be afraid of heights to the point where I would insist on taking the elevator when faced with having to use what my grandmother called, The Moving Stairs. I remember a cartoon that my uncle had in a book on his coffee table. It showed people getting sucked into the base of the escalator one by one as they neared the bottom of the stairs. It was supposed to be funny, but that image terrified me and even now, when I hear of escalator accidents, I imagine the looks on the faces of the people in that cartoon and I opt for elevator.
I once had to be escorted out of the Beaubourg in Paris by gendarmes when I panicked on the famous exoskeleton escalator that runs up the outside wall. To me it was like some awful thrill ride I wasn't really tall enough to ride by myself. So for this one, I guess it wasn't heights so much as escalators. And I know now, I was just looking for a little extra attention.
A lot of folks are still afraid to fly, even though the number of flying fatalities is at an all-time low these days. Since it was a popular fear years ago, I used to say I needed a stiff drink and headphones to make it from place to place flying, but in reality, I love to fly and I think it's really fun to take off and land in a plane. I can see where Army helicopters could be a little scary, not about flying but about falling out through those gaping holes where the doors should be. And the way they dip down forward when they take off is more than a little scary looking.
Mice and rats do not scare me, they disgust me. Giant bugs running toward me do not scare me, they startle me. I am no longer afraid of terrorists, even when I see the bulky HazMat safety gear the police have when they work in the subways. Sometimes I am afraid I will miss a plane, but even then I know I can just take the next one. That's not fear. That's just inconvenience. Is it possible I am no longer afraid of anything?
The last on the Swift list is the fear of getting arrested. I can honestly say, given what I know now, as an adult living in New York, I too am kind of afraid of getting arrested. I am not sure a jury would find me all that sympathetic. And I think I'd crumple. So, there you go. I'm not really afraid of getting arrested. I'm afraid of crumpling.
So I quizzed my daughter and her friend. They're out in the kitchen now making cupcakes. My daughter is afraid of pigeons, which is unfortunate, given how many she sees every day. And her friend is afraid of bugs and heights, in that order. These are the kind of fears you'd expect from a couple of urban 20-somethings. They didn't say anything about terrorists because they were both too young to remember 9/11. They didn't list crime, bad guys, or the dark. My bet is because they are both smart, capable young women, they too have let go of the fears they acquired when they were growing up in the big city.
Thanks, Taylor! Next to earwigs and sea urchins, my fears are pretty small. What are you afraid of?
Anne Born has been an editor and writer all her life. She writes poems, short stories, and personal essays on family history and her view of living in a big city after growing up in a small one. She likes an audience or she would keep her writing in her personal notebook. This embarrasses her children. She lives in the South Bronx and writes on and about the MTA – the New York City system of buses and subways. You also find her at Open Salon and Red Room, and you can follow her on Twitter at @nilesite.
Photo Credit: Wiki Commons


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Welcome to the online home of the Indianapolis edition of Sophisticated Living.
Published six times a year, each issue features timely, tailored and world-class editorial with an eye for localized luxury.
Publisher: Jennifer Cohen
Editor-In-Chief: Jeffrey Cohen
Put your company in good company. For advertising information contact Jennifer Cohen at 317.565.4555 or email@example.com.


text: Ladakh's Thiksey Monastery is located about a kilometre away from our camp. This beautiful monastery boasts spectacular views of the eastern Indus Valley, and is home to a two-storey statue of the Maitreya Buddha seated on a lotus. The monastery offers our guests the privilege of participating in a beautiful prayer ceremony, which takes place at sunrise. The prayer room at Thiksey Monastery features many handwritten and painted books, as well as a temple dedicated to the goddess Tara with her 21 images placed in glass-fronted wooden shelves. You will also see small shrines devoted to guardian divinities, including Cham-Sing, the protector deity of Thiksey.


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Best Japanese TV Commercials of 2015 Compilation Video
Thank you Japan for another glorious year of TV commercials! Here are the very best for 2015.
The amount of effort they put in to promote Cup Noodle is mind-blowing. Oh my gosh, I hope that's not the only food they eat. Instant noodles are so unhealthy.
I really hope they had commercials like these in the U.S. The creativity in some of these is really great.
Press play to watch the video below.


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At KU Endowment, we believe every donor is important. We endorse the following practices and policies.
Philanthropy is based on voluntary action for the common good. It is a tradition of giving and sharing that is primary to the quality of life. To assure that philanthropy merits the respect and trust of the general public, and that donors and prospective donors can have full confidence in the not-for-profit organizations and causes they are asked to support, we declare that all donors have these rights:


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Brewed by Fremont Brewing Company
Double IPA8.5% ABV80 IBU
96 Overall 88 Style
Promote your beer to thirsty patrons looking for it.Learn More
Heads up! Fremont The Sister may not be available near you. Follow this beer to get notified when it's available nearby, try searching in a different area, or discover some similar beer.
American IPA7.5% ABV51 IBU
Arbor Brewing CompanyAnn Arbor, MI
Available at very few places nearby
Double IPA9.0% ABV70 IBU
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Available at very few places nearby
Hoptronix 1-ups the game with its eye-popping bitterness. Mosaic hops give this IPA a dank aroma, yet it finished smooth and crisp.
American IPA7.7% ABV80 IBU
Stone Brewing Escondido, CA
Available at very few places nearby
This intensely citrusy, beautifully bitter beer is worthy of the simple-yet-lordly title of Stone Delicious IPA.


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Imagine that everything is going just swimmingly. The sun is shining, the birds are singing, and all's right with the world. You're practically bouncing from health and have money in your pocket. The kids are playing and laughing, the puppy is chewing in the cutest possible manner on an officially-sanctioned chew toy, and in between moments of laughter for pure joy, you pick up a book to read . . .
What is it?
I'm OK, You're OK ... just kidding!
If things were this fantastic, I would probably check with someone to be sure it was real, in the event that I had suddenly been thrown into some bizarro-world of my usual existence. Once I was convinced it was real, I would probably do something similar to what I would do when things were bad: find something that doesn't necessarily take a lot of concentration, and is a relatively quick read. When I am at an extreme high or low, I want to read, but at least at the beginning, cannot really concentrate on much.
Also cookbooks are excellent reading, no matter what. All of those possibilities ...
First of a few ...
Quizzes, memes, whatever. I've seen them on other's blogs, and I do like some of them, so I have done them, and kept the results, but have gotten behind on posting them. So here is one, answering the age-old question:
What spirit animal are you?
Your Score: The Otter
Here's your results! Your spirit animal has a Nobility ranking of 11 out of 18.
Your spirit animal is the otter. Playful, curious and fun animals, they are truly the start of what can be considered a noble creature. Otters are good at figuring things out, and make great friends. You are lucky to have one as a spirit animal. Otters are fairly rare as spirit animals.
(From: The What is Your Spirit Animal Test written by FindingEros)
Actually, this is rather interesting to me. I have always liked otters, and in one of my previous jobs, when we got a new computer system, and received assigned passwords from the tech department, my password was: otter! (Speaking of bizarro-worlds ...)


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Archive for the 'thanksgiving activities' tag
November 11th, 2014 at 5:08 pm
Fun Thanksgiving Activities
By Kim Ross
Thanksgiving is a great time to do some fun crafts and activities. These ideas make nice gifts to bring to family and friends on Thanksgiving, or to have the kids do at the Thanksgiving table.
One year we made a turkey centerpiece. We filled a brown lunch bag with popcorn and stapled it shut. We then used colored construction paper to make feathers and the turkey's head. The kids could later cut open a slit in the bag to eat the popcorn as a snack.
Fun Activities for the Thanksgiving Table
Turkey Color & Number Patterns
Thanksgiving Conversation Cards
Thanksgiving Placemat & Activity Sheet
Interview Questions for Grandparents
Max & Ruby Placecards & Table Labels
More Thanksgiving Coloring Pages


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The Wells College men's basketball team opened North Eastern Athletic Conference play with a 93-88 victory at Cazenovia College on Wednesday, Nov. 30. Three Wells players scored in double-figures and the Express posted its highest point total since scoring 94 points in a game twice during the 2010-11 season.
Rich Ross led Wells with 34 points, boosted by a 7-for-11 shooting night from behind the 3-point arc. He was 7-for-10 on free-throw attempts. It was a single-game career-best scoring night for Ross, and 28 of his points came in the second half as Wells turned a three-point halftime deficit into a five-point win.
The Express is 2-1 overall and 1-0 in the NEAC. Cazenovia is 0-5 on the season and 0-1 in the conference.
Wells trailed 38-35 at the break. Vaughndell Brantley scored 13 points in the first half and was 8-for-10 at the free throw line to keep the Express in the game.
Cazenovia built its largest lead of eight points and held a 29-21 lead with 6:32 left in the first half. Wells answered with a 9-3 run to pull within two and the margin remained in single digits into the second half.
After halftime, Wells outscored Cazenovia 19-5 over the first six minutes to take an 11-point lead. The Wildcats whittled away at the Wells lead and went on to build a 75-68 lead with 5:47 left in the second half.
Wells closed the game with a 25-13 run to earn the victory.
Brantley finished the game with 22 points and a team-high 14 rebounds. Anthony Nesci led Wells with six assists. Chris Courtney had 13 points.
Wells held a 46-39 rebounding advantage in the game. Cazenovia had 53 free-throw attempts and made 33. Wells was 27-for-37 at the line as the teams were whistled for a combined 63 personal fouls. Wells made 12 shots from behind the arc on 28 attempts.
Wells continues NEAC play this weekend with afternoon games Saturday at SUNY Polytechnic Institute and Sunday at SUNY Cobleskill.


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Monday, July 28
On July 28, 1914, Austria-Hungary declared war on Serbia, effectively beginning the First World War.
Early in the course of that war, a French composer named Albéric Magnard became a national hero when he died defending his home against invading German troops. Maurice Ravel tried to enlist as a French pilot, but was refused because of his poor health. Instead, he became a truck driver stationed at the Verdun front. British composer Ralph Vaughan Williams was too old to be drafted, but he enlisted as a private in the Royal Army Medical Corps. Another British composer, George Butterworth, would be killed by a sniper during the Battle of the Somme.
The total number of military and civilian casualties in World War I is estimated at 37 million. Empires fell. National borders were redefined. Old systems of values seemed shattered forever.
The Austrian violinist and composer Fritz Kreisler served briefly in the Austrian Army in 1914 before being wounded and honorably discharged. He arrived in then-neutral New York on November of 1914, and remained in America through the war years.
In 1915, Kreisler made a recording of Bach's Double Violin Concerto, performing with the Russian violinist Efrem Zimbalist. Austria and Russian may have been at war in Europe, but in a cramped New Jersey recording studio, at least, the music of Bach provided a brief island of peace and harmony.
Music Played in Today's Program
J. S. Bach (1685 - 1750) Double Concerto (recorded 1915) Fritz Kreisler, Efrem Zimbalist, vn;string quartet Buddulph CD 21/22


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Thanksgiving Fun
Great night before Thanksgiving with Luis, Joe Daddy and Sam-E. Burning city, rapey Cos, Jurassic World, fun tunes and fart jokes. Happy Thanksgiving everyone!
Great night before Thanksgiving with Luis, Joe Daddy and Sam-E. Burning city, rapey Cos, Jurassic World, fun tunes and fart jokes. Happy Thanksgiving everyone!
X-Transbots Toys: APOLLYON MX-I (MP Megatron)
Apollyon the Destroyer! X-Transbots Toys first in their new MX Series. "We will work tirelessly to bring you the best quality figure we can make". More information to come! Please stay tuned.
[fb_album id="10152426984760583″]
KFC Toys: Transistor (MP Blaster) Final Product Looks amazing. I cant wait to hold one and give a proper review. Thank you, KFC Toys.
[fb_album id="10152426962045583″]
Transformers Takara Masterpiece Mp-21 Bumblebee Testshot マスターピース by: Ben's Collectables
Badcube OTS-03 Backland Masterpiece Outback TEST SHOT by: Ben's Collectables
BadCube OTS-02 Brawny Masterpiece Brawn TEST SHOT by: Ben's Collectables
The Luis and the JoeDaddy and the pudding pops discuss Bill Cosby, U2 outrage, pudding pops. Gave away 2 UltraCon tickets, movie talk, pudding pops, toys, Jaden and Willow need to be beaten and Thanksgiving dinner debacle. Thank you to Eric and Steve for calling in and playing Porn or Tomb Raider for the UltraCon tickets. See you guys there, Dec. 13-14 at the Broward County Convention Center. Thanks to the man, Irving Santiago, for the tickets and the great conventions!
©2013-2020 Galaxy Kid Productions -A Not For Profit Show | Powered by WordPress with ComicPress | Subscribe: RSS | Back to Top ↑


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Interviews & Webinars
Rewire Your Brain And Get Over Your Money Issues – With NLP Expert Michelle Masters.
You can listen to the interview and podcast, here.
All About Your Mindset, interview with Michelle Masters.
Welcome back to another great episode of All About Your Mindset podcast. Today we are discussing Beliefs with Michelle Masters. Michelle is a Neuro Linguistics Programing (NLP) trainer who has been practicing for 20+ years. In this episode, we take a look at what beliefs are, when they get started and how they affect your everyday life.
Please click here to see an interview where I discuss mindset.


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text: Hotel Transylvania is a 2012 American 3D computer animated fantasy comedy film produced by Sony Pictures Animation. It was directed by Genndy Tartakovsky, the creator of Samurai Jack, Dexter's Laboratory and Sym-Bionic Titan, and produced by Michelle Murdocca. The film features the voices of Adam Sandler, Andy Samberg, Selena Gomez, Kevin James, Fran Drescher, Steve Buscemi, Molly Shannon, David Spade and CeeLo Green. The film tells a story of Count Dracula, the owner of a hotel called Hotel Transylvania where the world's monsters can take a rest from human civilization. Dracula invites some of the most famous monsters to celebrate the 118th birthday of his daughter Mavis. When the ... more on Wikipedia


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Here's are some quotes borrowed from beautiful important and/or famous people who know a little about music to help further justify Tommi Zender's musical existence. New quotes will be added, so feel free to submit yours regarding recordings, live music performance or music teaching. If they're really nice (or funny) we might publish them here… where they they can linger in semi-obscurity!
"…a talented craftsman with an appealing wit and energy."
-Jim Derogatis, Chicago Sun Times
"…a fertile union of sonics and sentiment… Zender clearly uses music as a means to connect to the world and people around him." – Jeff Elbel, Illinois Entertainer, from "More Songs About Time" review (8 out of 10)
" The best record released in 1999 that I didn't hear until 2000."
-Richard Milne, WXRT Chicago on Trinkets of Joy "Just Like Mom Used to Make"
"Apart from being maddeningly gifted on just about any instrument you put in front of him, Tommi Zender is a keen-eared sonic sculptor and an ace tunesmith to boot. He oozes music."
-Dag Juhlin (Poi Dog Pondering, Expo '76)
"I think Tommi's the kind of musician who could coax a tune out of a pile of rocks!" -Arlo Leach, Music Educator
" A wonderfully layered, fully polished indie-rock gem."
-Amazon customer review of "Will Work For Harmony"
"Tommi Zender is one of the finest musicians I know, if not the most
eclectic. Pretty kick-ass songwriter too. And if he doesn't release his
second (or third) album by the end of this year, I'm going to kick his ass."
-Chris Greene, notorious Chicago saxophonist


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Just like the question about where a company should focus its Big Data investments, the question about which data it should collect depends on the company and the problems it wants to solve. Again, no one-size-fits-all approach exists.
Nonetheless, two inescapable trends in Big Data provide guidelines for the overall types of data that companies should be looking to gather:
- Unstructured data: Many great insights to be derived from Big Data are likely to come from such sources as digitized video and audio, sensor data, email, documents, and the unformed text that fills Facebook, Twitter and other social media websites. Digital data from sensors and other remote devices attached to products – a GE aircraft engine or a Xerox copier, for example – enable companies to track their products long after they have been delivered to customers. This provides a major opportunity for companies that can collect unstructured sensor and other data from their products.
Consider the airline industry. An estimated $284 billion is wasted annually in the airline industry by inefficient fuel management, unscheduled aircraft maintenance, flight delays and other issues. Imagine how a company like GE (whose engines are bolted onto 53% of the world's wide-bodied planes1 ) that can help customers cut their fuel and maintenance costs, will no doubt boost market share and increase revenue.
- External data:This data exists outside the information systems of a company. It's in the hands of customers, third-party data providers, suppliers, social media sites and other sources. Getting a fuller picture of customers requires companies to collect external data.
Imagine a chain retailer that can get real-time data on customers who are in motion (on their cellphone) and within five miles of their stores (the telcos have this data); who are about to make a major purchase (such as replacing a refrigerator, the records of which are owned by the manufacturer); and who are most influenced by reviews in Consumer Reports (which are, of course, in Consumer Reports' online archives). For that chain retailer to get the customer to visit the store near that customer and make a $2,000 purchase, it needs to tap external data held by the telco, the appliance maker, and Consumer Reports – and in minutes or perhaps even seconds before she moves to another store. The retailer's internal data is not nearly enough to influence the consumer's purchasing decision.
The leaders that we identified from our survey respondents – the companies with the greatest expected ROI in 2012 on their Big Data initiatives – are far more likely to recognize the value of both unstructured and external data than are the laggards. (See Exhibits VII-8 and VII-9.) On the dimension of structure, 55% of leaders' data is unstructured or semi-structured vs. 45% of laggards. And 37% of leaders' data is external vs. internal. For laggards, that percentage is 26%.
Exhibit VII-8: How Leaders Differ From Laggards in Usage of Structured and Unstructured Data
Q8: Mean Estimated % of Structured, Unstructured and Semi-Structured Data, Across All of the Company's Big Data initiatives, Leaders V Laggards – IT/Big Data
Exhibit VII-9: How Leaders Differ From Laggards in Usage of Internal and External Data
Q9: Mean Estimated Percentage of Data that Come from Internal or External Sources, Across All of the Company's Big Data initiatives
Leaders V Laggards – IT/Big Data
These differences can be seen in the importance that leaders and laggards place on internal vs. external and structured vs. unstructured data. (Exhibit VII-10.)
Exhibit VII-10: The Importance of Types of Data for Leaders and Laggards
Big Data Study Implications & Recommendations
Home | Download Report | Big Data Services | Contact a Consultant Today


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CenCal Health has established Polices and Procedures under which the agency operates. Such policies are established to insure that departments within CenCal Health work effectively together in day to day processes.
CenCal Health Policies and Procedures include those most important for contracted providers to have available for review. These Policies and Procedures may be updated from time to time, and when they are so updated, the new Policy and Procedure will be made available to you to replace those currently contained in this Provider Manual. Most changes to these Polices and Procedures are considered non material and reflect changes in CenCal Health's day to day processes or regulatory required changes.
Fraud, Waste and Abuse Identification, Reporting and Investigation
Access to Care
Individual Health Education Behavioral Assessment: the Staying Healthy Assessment
Member Grievance System
Provider Credentialing and Peer Review Policy
Medi-Cal Facility Site & Medical Record Quality Improvement Program
Provider Grievance System Provider Grievance Form
Coordination of Care
Continuity of Care
Clinical Utilization (UM) Criteria


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Privacy Policy – Toddle
1. Introduction
1.1 The Toddle online application (Web App) is owned by KN Enrol Pty Ltd ACN 618 980 706 (Toddle, we or us).
1.2 Toddle provides a service to assist in the enrolment of children at child care centres (Centres) through the Web App (Services).
1.3 In providing the Services, Toddle offers the Web App to parents/guardians (Parent, you or your) and Centres as a tool for:
- Centres to communicate with Parents about the availability of child care places at a Centre;
- Parents and Centres to communicate about enrolment of a child at a Centre; and
- Parents to provide relevant information about a child to a Centre.
1.4 In order to provide the Services, Toddle requires certain information to be provided by Parents and Centres, the treatment of which is covered under this Privacy Policy. Further information about the Services is set out in Toddle's Terms and Conditions.
1.5 In this Privacy Policy:
- Personal information is any information about a person where their identity is apparent, or can reasonably be ascertained, and includes Sensitive Information (Personal Information).
- Sensitive Information is information or an opinion about a person's racial or ethnic origin, political opinions, membership of a political association, religious beliefs or affiliations, philosophical beliefs, sexual preferences, health or medical information or criminal records (Sensitive Information).
- A reference to Personal Information in this Privacy Policy is also a reference to Sensitive Information.
2. What this Policy is about
2.1 This Policy explains the key measures we have taken to implement the requirements of the Privacy Act 1988 and the Australian Privacy Principles. Toddle is committed to ensuring that you and your child's privacy is protected. This Privacy Policy describes how Toddle collects, uses, discloses and stores Personal Information that is provided by Centres to Toddle and generated by your use of the Web App.
2.2 We endorse fair information handling practices and use of information in compliance with our obligations under the privacy laws in force in Australia from time to time. Any information provided, including identification of individuals, will be used only for the purpose/s intended or authorised and where the intention includes confidentiality, information will be treated as such unless otherwise required by law.
2.3 This Policy represents the default position that Toddle will take in its treatment of Personal Information. Toddle will treat all Personal Information in a manner consistent with this Policy unless you (either directly or through a Centre) have provided your express consent otherwise.
3. Collection of Personal Information
3.1 We collect only the Personal Information that is reasonably necessary for us to provide the Services.
3.2 Personal Information may be collected:
- directly from you via the Web App;
- when a Centre provides information to Toddle for the purposes of enabling Toddle to provide the Services; and
- when a Centre provides information to Toddle for the purposes of the Centre providing services to you.
3.3 Where Personal Information is collected from a Centre, Toddle requires the Centre to have obtained the consent of the Parent for the collection, use, and disclosure of Personal Information by Toddle as a service provider to the Centre. Toddle cannot ensure the accuracy of Personal Information provided by the Centre.
3.4 Personal Information collected by Toddle will primarily include:
- name of Parent and child, address and contact details (for example, email, phone and fax number);
- information about a child's identity (for example, gender and date of birth);
- government identifiers (for example, Tax File Numbers and Customer Reference Numbers) – for Parents and child;
- financial information (for example, credit or debit card details); and
- information about the days a child will be attending a Centre, including the child's starting date.
3.5 Sensitive Information collected by Toddle may include:
- health information (for example, medical history, immunisations, allergies, special needs, disabilities or injuries) – for Parents and child;
- ethnic or racial origin – for Parents and child;
- and could extend to other categories of information designated as sensitive information under the Privacy Act 1988.
4. Use of Personal Information
4.1 By using the Web App, you consent to Toddle's use of your and your child's Personal Information in accordance with this Policy.
4.2 Toddle may use your Personal Information for the following purposes:
- facilitating the provision of services by Centres to you;
- providing Services to Parents and Centres and conducting our business;
- the operation, administration, development or enhancement of the Web App;
- research, planning, product and service development and security and testing (including in relation to the Web App); and
- any other purposes required or authorised by law or for which you have (either directly or through a Centre) provided specific consent.
4.3 Toddle may use your Personal Information (i.e. your contact details including name, address, phone number and email address) to direct market to you and may also provide your Personal Information to third party organisations for their direct marketing purposes. A Parent will always have the option to 'opt out' of receiving direct marketing materials from Toddle and third party organisations in each direct marketing communication.
4.4 A Parent may request Toddle not to use or disclose your Personal Information for the purpose of direct marketing or to facilitate direct marketing by other third party organisations. Toddle will give effect to any such request within a reasonable period of time and at no cost.
5. Disclosure of Personal Information
5.1 The parties we may share Personal Information with are employees, subcontractors, suppliers and affiliates of Toddle on a need to know basis. Access to Personal Information will be revoked within a reasonable timeframe of access no longer being required.
5.2 Occasionally, Toddle may also use Personal Information for other purposes or share Personal Information with an organisation because:
- we believe it is necessary to protect the rights, property or personal safety of a Parent or child;
- we believe it is necessary to do so to prevent or help detect fraud or serious credit infringements - for example, we may share information with other credit reporting agencies, law enforcement agencies and fraud prevention units; or
- we believe it is necessary to protect the interests of Toddle – for example, disclosure to a Court in the event of legal action to which Toddle is a party;
5.3 As set out in clause 4.3 of this Policy, Toddle may also disclose Personal Information to third party organisations for their direct marketing purposes.
5.4 When we share information with other organisations and service providers as set out above, we do so in accordance with this Policy. To the extent that these organisations and service providers gain access to Personal Information, their use is governed by the rules set out in the Privacy Act 1988.
6. Cookies
6.1 We wish to provide Parents with a positive user experience. To do so, Toddle may use 'cookies' to collect information through our websites (www.Toddle.com) and the Web App. 'Cookies' are alphanumeric identifiers that are stored by the web browser on a computer's hard-drive that enable our system to recognise a visitor to the website or the Web App.
6.2 Cookies help Toddle to track basic visitor information on our websites for the purposes of optimising the design of our systems and optimising our marketing activities. We may also use memory-based cookies in support of authenticating the user of the Web App. If you are a registered user of the Web App, we may use cookies so we can provide you with personalised information based on preferences you have indicated by using the Web App.
6.3 Most web browsers automatically accept cookies and this function can be disabled by changing the browser settings of the user. However, if you reject cookies you may not be able to utilise Toddle services that require registration.
7. Confidentiality and Data Security
7.1 The Web App has been built with modern, best-practice web development methods, with security a foremost consideration. Personal Information collected is stored on secure servers in Australia. Toddle will not transfer any Personal Information overseas.
7.2 We take all reasonable steps to manage data stored on our servers to ensure data security and to prevent the loss, misuse or alteration of Personal Information.
7.3 Physical, electronic, and procedural safeguards have been implemented in order to protect Personal Information, however, although we take all care to respect and protect Personal Information, we will not accept any responsibility for any unauthorised use.
8. Retention and Disposal of Personal Information
8.1 We will retain the Personal Information of Parents and their child for as long as is required to provide the Services and to comply with legal requirements.
8.2 If we no longer require Personal Information for any purpose, including legal purposes, we will take reasonable steps to securely destroy or permanently de-identify the Personal Information.
8.3 Personal Information is backed up frequently and tested regularly in line with Toddle's standard backup procedures. Personal Information that has been deleted may therefore persist within backups for a period of time after which it falls outside the backup rotation.
9. Access to Personal Information
9.1 A Parent can access the Personal Information held about them or their child at any time. You may contact us to make a request at email@example.com.
9.2 We will always endeavour to meet requests for access. However, in some circumstances we may decline a request for access. This includes the following circumstances:
- we no longer hold or use the information;
- providing access would have an unreasonable impact on the privacy of other persons;
- the request is frivolous or vexatious;
- the information relates to existing or anticipated legal proceedings and would not normally be disclosed as part of those proceedings;
- providing access would be unlawful;
- providing access would be likely to prejudice the detection, prevention, investigation and prosecution of possible unlawful activity; and
- the information would reveal a Centre's commercially sensitive information.
9.3 If we decline a request for access, we will provide reasons for our decision when we respond to the request.
9.4 We reserve the right to charge Parents a reasonable fee for access to you or your child's Personal Information. These charges will be limited to the cost of recouping our expenses for providing the Personal Information, such as document retrieval, photocopying, labour and delivery.
10. Changing or deleting Personal Information
10.1 We will take reasonable steps to ensure that Personal Information is accurate, complete and up-to-date at the time of collecting the Personal Information from a Parent or a Centre, using or disclosing the Personal Information, or during other interactions with the Parent or the Centre.
10.2 If you otherwise believe that any Personal Information we hold about you or your child is inaccurate, you may contact us to make a request at email@example.com. We will do our best to correct the Personal Information or dispose of it in accordance with this Policy.
11. Contact Information and Changes to Privacy Policy
11.1 If you have any further queries relating to Toddle's Privacy Policy or wish to make a complaint in relation to the way Personal Information has been handled by Toddle, please contact us at email@example.com. If Toddle becomes aware of any ongoing concerns or problems with a Parent or their child's Personal Information, we will take these issues seriously and work to address these concerns.
11.2 From time to time, our policies will be reviewed and may be revised. Toddle reserves the right to change this Policy at any time.
Last reviewed: September 2017


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First update: One of our Chinese-speaking readers says the original interview seems to suggest that Donnie Yen is returning to the UK to fill gaps in the movie.
Second update: It's confirmed: Yen is returning to London to reshoot scenes for Rogue One.
With less than 6 months to go before Rogue One, a principal actor has revealed that he's not yet done with the film.
Actor Donnie Yen, who plays one of Jyn Erso's dirty band of rogues, says he has to return to London to do "additional photography". In a local interview last week, the Hong Kong-based actor was asked if he'll be spending Father's Day with his kids:
"I can't. My wife and I will be flying to Japan in two days for a project. After that, I'll be flying all over the place for some more work. I'm going to have to go back to London soon too, to do some additional photography for Rogue One."
London is currently the production epicenter for both Rogue One and Star Wars Episode VIII. Rogue One began shooting last August 2015, even as Disney was hyping up The Force Awakens.
So what does this mean for Rogue One? Some possibilities are:
- Principal photography is not yet done, and Yen was just on break
- The cast may have been called back for reshoots
- Filming is done, and Yen is flying back to do promotional material (such as photoshoots, spreads and merchandising).
According to Redditor ArlonDarke, who speaks Cantonese, "From the original interview, Donnie seems to be suggesting that the reshoot, rather than just being for promotional material as suggested, (has) to do with filling in some gaps in the movie. Maybe Gareth Edwards decided to expand Chirrut's role a little. In any case, he's probably involved in some new shots."
In the case of The Force Awakens, principal photography ended in November 2014, over a year before the film's release. The rumored reshoots at Skellig Michael as late as September 2015, just 3 months before TFA hit theaters, turned out to be false. It was actually the preparatory shoot for Episode VIII.
If anything, Disney seems to be planning very well ahead. So ongoing production or even a reshoot at this stage for Rogue One would be unusual for the franchise, but not out of the ordinary in the filming industry.
Donnie Yen was the first to leak photos of the Death Trooper and Shore Trooper helmets on his Instagram and Facebook page, as early as August 2015. They were quickly deleted within 2 hours. His wife Cissy Wang may also have accidentally leaked a key detail when she posted this on her IG last March:
The original caption was "So cool, it looks just like the one on set when I visited hubby!" Although with the release of the Edelweiss leak, she may have been talking about a mockup of the U-wing, whose cockpit looks similar to the T-47 snowspeeder.
The actor has been as busy as a mouse droid since September, being involved in Rogue One as well as XXX: The Return of Xander Cage. Both projects have kept him flying back and forth between Hong Kong and the studios for the past 9 months. In fact, he just finished shooting XXX last May 20.
When he was asked if he would turn down Hollywood films to spend more time with his family, Yen revealed his motivation for appearing in Rogue One:
"It was never really about the money. I picked up those jobs because they were a rare opportunity. I did Rogue One because my kids are huge fans of Star Wars.
In fact one of them, 7-year old James, is a budding Sith lord:
He seems to be a pretty cool guy. As the lead star of Ip Man, Yen does his own martial arts fight scenes, having knowledge of taekwondo, Brazilian jiu-jitsu, Muay Thai, and judo. He's also one of the few Star Wars characters to incorporate martial arts in his role, alongside Darth Maul actor Ray Park who was an expert in kung-fu and wushu. Anyone as deadly as Maul in hand-to-hand combat is alright in our book.
Donnie Yen will appear as Chirrut, a "spiritual warrior" in Rogue One. As one of the few melee characters in Star Wars, I hope Hasbro turns Chirrut's awesome blaster stick into a toy for Donnie's little kids!
Thanks to rebel spy Cherry Wong for translating the interview, and to Reddit user ArlonDarke for the additional intel!
Hungry for more Rogue One intel? Check out our in-depth analysis why the U-wing isn't a starfighter!


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President Obama makes statements that set him up to blame GOP for the lousy economy that he hasn't fixed.
For years and years we heard that the economy was all Bush's fault (even while the Obama Administration doubled down on his worst policies, like stimulus and money-printing). Now, the Democrats have started boasting about this late, weak, and frail so-called "recovery" and acting like it is an impressive accomplishment.
Think about it hypothetically. What would you do if you were a politician who wanted to take credit for a "recovery" but who knew it was vulnerable to a crash?
Obviously, you would try to spin a narrative that portrayed you as the source of the economic good news but your enemies as the reason for any economic bad news.
Thus, the Daily Caller headline: "White House Urges Congress Not To Screw Up New Economic Gains."
The White House says it is doing a very good job on the economy and asked Congress on Friday to refrain from screwing it up.
The Bureau of Labor Statistics reported a gain of 321,000 jobs in November — much higher than the 2014 average of 214,000 jobs per month and well above some economists November prediction of 230,000. The average work week and hourly wage also increased slightly.
The White House touted the positive gains in a statement Friday, pointing to 57 straight months of job growth, which is the longest streak on record, and 10.9 million added private sector jobs.
Jason Furman, chairman of the White House Council of Economic Advisers, urged Congress not to shut down the government and to avoid creating "disruptive and counterproductive fiscal uncertainty" that could hurt the economy.
If the so-called government "shut down" (if only) were so economically "disruptive" then how can the Obama Administration explain their own alleged success? The "shut down" made no real difference in the economy at all as far as anyone can tell. So the claim that another such non-event would be disruptive now is baseless.
But while there is no evidence the brief and overblown hype of the "shut down" had much effect on the economy, the fact remains that this "recovery" is embarrassing. The official unemployment rate is simply regime propaganda. As Economic blogger Mish argues:
The official unemployment rate is 5.8%. However, if you start counting all the people who want a job but gave up, all the people with part-time jobs that want a full-time job, all the people who dropped off the unemployment rolls because their unemployment benefits ran out, etc., you get a closer picture of what the unemployment rate is.
That rate is 11.4 percent. And even that number "would be way higher still, were it not for millions dropping out of the labor force over the past few years."
Even apart from the unemployment number, the jobs have been horrible for young workers. In general, this recovery has left many workers impoverished.
And, by historical trends, we are due for another recession. So any moment we could see the end of this vaunted recovery. I suspect we will see constant warnings from the Obama Administration to not "reverse our accomplishments." In that way, they can be constantly ready with a story to blame Republicans for the next downturn.


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Equality For None, Time Inc Lowers The Hammer On Creatives
We invite you to make use of Reuters RSS feeds so as to add Reuters definitive news and video headlines to your feed reader or blog, free of cost, for particular person, non-industrial use. If they don't take warnings significantly, they danger creating a silent climate where workers are reluctant to report bad news as a result of they fear being penalized or fired. This research starts with newspapers because historically they fielded the most reporters in a community and set the agenda for the rest of the native media. One day I could have my own home primarily based business – Squidoo is one of my ventures into making this dream come true! There are some distinguished native news aggregators equivalent to Topix and , and now AOL has entered the sphere with local reporting by way of Patch.
Great for freelancers: Chameleon Theme lets you create a small enterprise site rapidly, with numerous fast choices to customise background patterns (either preset or customized). Getting a grant is likely to be a whole lot of work initially but worth it for the chance to launch a business without having to use your own funds or finding an investor. The Federation of American Societies for Experimental Biology (FASEB) in their Newsletter of May, 1993 thought-about primary biomedical research and its advantages to society. She earned a level in political science at San Diego State earlier than working on tv for quite a few community packages.
After designing a beautiful business card, you should search for show boards to place your corporation cards to help promote and gain more exposure for your enterprise. Leaping forward a few many years, a major change in information coverage by tv came in 1980 with the creation of 24 hour news solely tv channels. Although completely different news stations may adhere to a special set of ideological values, MSBC may be extra liberal while FOX could also be extra conservative, individuals are exposed to the identical information content material on the Big 5 news media networks. It's organized to make your articles simple to find, with a litter-free facet bar.
When banks discuss actual property problems, they act like that they had nothing to do with inflicting the financial crisis that in turn caused varied enterprise and property issues. As I outlined in the Economic calendar I anticipated financial news from Great Britain to cause important moves in pound pairs. If you are delivering dangerous information to an employee or set of workers, choose your words carefully. Feedback is part of the research course of and must be carried out professionally to reap most benefit to your business.
To Obtain Stock Information From Yahoo Finance
Yahoo Finance offers an intensive API to obtain an vaste amount of knowledge on a public companie's inventory buying and selling. While many argue that fashionable (quantitative) finance starts with Bachelier's thesis of 1900 (comparable to Bjerg (2014:19), Appadurai (2015:2-3), Roffe (2015:eleven)) we'd argue that Bachelier's work, and the next, unbiased, work of Bronzin (Zimmermann and Hafner, 2007) that's much closer to present idea than Bachelier, marks the end of an era that had included the railway booms and the globalisation associated with nineteenth century colonisation.
Additionally, two predominant Islamic finance structures are an ideal match for financing lengthy-term PPP projects, namely ijara, a lease-buy or working lease mannequin, and istisna'a, an extended-term contract whereby a party undertakes to manufacture, build or construct belongings and a client (on this case the government agency) can make deferred payments in instalments linked to mission completion.
Since each the chance and rewards in these examples are very small, the idea of monetary leverage, as commonly used, doesn't apply other than as an instance the point that everybody of us makes use of leverage, with the difference between the typical employee and the large time speculator on Wall Street or in the City (London financial district) being a matter of diploma.
We have had nothing but bother, we've had them out 3 times, from signing the contract in January 2010, updated, August the twenty ninth 2010, our roof is defaced as a result of , of the crap coating that was painted on our roof, we didn't really get the work started until march 2010, as the weather was bad to start with of 2010 we stay in South Shields Tyne and Wear, now we have taken photos of our roof, and forward them on to Aqua protect and head workplace and the finance company.
Ingredients Of Good Business Plan
We respect the trust we develop with our clients to permit us to information them by way of the challenges that life inevitably brings. Keeping the monetary objectives in thoughts all the time, it is best to never lose an opportunity even outside the stock market to maximise your contributions and diversifying investments. When we performed our annual evaluate of his financial plan, I warned Archibald that his fastened-earnings TFSA would earn an excellent decrease return in 2012 than in 2011. One of its greatest downfalls is the dearth of economic planning – as there are a variety of features in AceMoney, it was disappointing that there are just a few financial planners together with a savings planner and a loan planner.
A CPA with a tax background who's trained as a private monetary specialist is likely to be probably the most succesful in minimizing taxes, although most planners should be capable of do that. An underwriting process referred to as stated revenue by which industrial borrower tax returns were not required was used for some small business finance packages. Project-based learning (PBL) is a lesson planning approach advocated by a small however growing variety of educators.
If you have got questions about your PIN or which group you're in, name the MyFRS Financial Guidance Line at 1.866.forty four.MyFRS (1.866.446.9377) to talk with one in all our representatives. So instead of drafting a financial plan that makes us wealthy and makes every large ticket merchandise so inexpensive, we draft a plan that makes each huge expense a purpose.
For greater than twenty-5 years, the Financial Planning Program has launched a wide range of financial methods and merchandise, while providing a robust basis in financial planning. Alternative choice for people who don't wish to be concerned within the inventory market can be monetary merchandise that can assist develop your savings for the long term, with the choice to move on the plan to the subsequent era.
So here is my high 10 really useful books that everybody who's critical about their monetary freedom must learn. DENTAL PLUS is a plan from AMERIPLAN which is a member of each the Consumer well being Alliance & the National Association of Dental Plans which are the industries governing bodies. This is in addition to the financial objectives, I discovered that a written wish list usually finds a way to come true.
The Family Financial Advisor And The Sandwich Generation
Investment advisors attend this convention to community with friends and be impressed by trade leaders and consultants. Some of chances are you'll already be effectively aware of the various and complicated monetary devices nestled comfortably within your organization sponsored retirement plan, however should you're not, or presumably a bit of confused about what a 401K plan actually is, hopefully this entry will help to shed some further mild on this DARK, GLOOMY, & MYSTERIOUS subject.
The reality is that despite their fancy presentations and terminology, professional monetary advisors have a troublesome time outperforming the inventory market indexes, particularly when their management fees are factored in. Ordinary particular person investors that don't need sophisticated investment strategies would do well by merely investing in low-value Exchange Traded Funds (ETFs) that track the stock market by sectors.
While in the process of transferring my automobile was stolen, I could not afford to get it out of impound and it price me twice as a lot to do so. I was sick and bored with being sick and tired (and broke!!!!) I actually have since been residing frugally as well as following a very huge portion of Dave Ramsey's Philosophy (as described within the Total Money Makeover).
Having the licensed financial planner designation and all of the persevering with schooling that comes with it helps me keep on prime of what's going on within the funding and monetary planning world, which provides me a leg up. I also like to do extra story-like posts primarily based on either classes I've learned in my life or lessons that I learned from my client's lives on errors that they've made.
And if I was in a box or a vacuum and I needed to say I grew to become a adviser for a selected cause, I turned an adviser for my very own knowledge but at the end of the day whats evolved is that I've been able to assist lots of people with their finances and in the event you're feeling pissed off about cash even if you do not need to grow to be a financial adviser, my suggestion would be to not less than go discuss to 1.
Start A Handmade Card Business
Creative Cards is a how-to guide to turning plain paper into personalized and unique reward cards, boxes, luggage, tags, and wrapping paper. As you understand there are such a lot of totally different small business opportunities on the market. Sell handmade playing cards or pursue a passion and get monetary savings with these sensible tips to keep the overhead prices low. At Vistaprint, you possibly can customize all of your marketing materials to match your enterprise look. Simple and concise: Metric Theme presents a simple landing web page, giving the overall account of what your business is about. Or maybe, you prefer a business card that has the knowledge and emblem design laid out vertically.
I wish I had found this lens before I ordered my business cards (which, unfortunately appeared loads better on the digital proof stage than in ultimate print model). I despatched the photo off to Printivo, they made the design which I uploaded, paid for and hoped I would get them inside 2 enterprise days as a substitute of the 3 they quoted (I saw for another blogger, they delivered in 24 hours). The more you're enthused about your new enterprise & products, the more enthused your occasion hosts & customers will likely be too!
Wear your badge on the precise chest so that whenever you prolong your hand to shake that of your next shopper prospect, he'll see your name and put it together with your face, no matter whether he finally gets your corporation card or not. The picture you simply downloaded is going to be much bigger than the business card so we are going to wish to shrink it down. Your business ideas and tales could even get shared on the 1,000 methods to start a enterprise with $1,000 or much less blog with hyperlinks to your website.
Once individuals see that it is tough to pay for tools that only lasts so long, pay to fix it, and then pay for all the remainder of the business expenses, they see that they are giving up holidays and weekends slaving away for hardly something. To format the recipe playing cards there are several decisions on the toolbar resembling font, font measurement, and font colour. Spot colours should be used for easy cards with line art or non-black sort that is smaller than 5 points. Advertising can be accomplished on the web, native papers, fliers, and enterprise cards.
How Wild Letterpress Cotton Business Cards Designed
Ordering enterprise playing cards is simple at We provide a number of options to seek out the best card in your needs. Of coarse, we won't all go out there are spend $500 a week advertising (I know I can't) however there are several ways in which you can do it which might be very cheap or even FREE!~ Here are some great ideas for selling your ARBONNE business for little or no cost! You can provide alternatives for patients to schedule a free session on the finish of your seminar or just ship the attendees dwelling with free data that invitations them to schedule an appointment.
There are many business networking groups to choose from, and making an attempt to attend all of them is solely counter-productive. Perhaps we'll see some innovation on this space with hosted vCard solutions, connecting printed enterprise playing cards. I've attended lots of of business seminars, workshops, trainings, and networking events however I've by no means gotten such high quality training and met so many mega-millionaires and profitable entrepreneurs in one place as I did with Powerteam. I really like this enterprise Christmas card showing a tree in a celestial kind of setting, seeming to be traveling throughout the universe whereas the weather appear to kind the form of the tree.
I usually write, Holiday Painting $X and point out on the receipt that the home windows have been cleaned PRIOR to painting and that service was free. Currently I'm using for my enterprise playing cards, their premium playing cards are lovely and really fairly priced. There we sell my unique paintings and prints, as well as do high quality custom framing and provide Giclee printing for other artists as well as for ourselves.
I always have my business cards with me. I go to nail bars and hairdressers and strike up a conversation with them about my enterprise and so they see the sense in helping one another out. I actually need to make recipe playing cards like this…I simply maintain all of them free in a pocket book. Talk about the manufacturing unit worker with the herniated disc who is now ache free and again to work! Each campaign, you'll obtain one free Brochure three campaigns forward and you might order Brochures three campaigns ahead. High-quality, full-coloration offset and digital enterprise card printing accessible on multiple premium paper shares and in numerous sizes.
Ideas For Starting A Business
Starting a seasonal small business is a versatile way to earn extra money whenever you want it. You can run a business a couple of months of the yr and take the rest of the 12 months off to to calm down or pursue other career objectives or alternatives, or you possibly can combine several seasonal enterprise alternatives to provide steady revenue all year long. This is one space of enterprise that a whole lot of Nigerians have missed, but it appears to be probably the most profitable. Business Sweden's intention is to advertise Sweden internationally and enhance the image and awareness of Sweden as a beautiful, progressive and aggressive business accomplice. Romanian Business Opportunities -Oportunitati de afaceri pentru Romania isi propune sa promoveze oportunitati de afaceri cat mai various si de larg interes publicului din Romania si nu numai.
When your brand is absolutely elevated and your company is in sync with your brand, figuring out what's right for your online business becomes second nature. Another efficient public sale is an public sale held when a enterprise has failed and the contents of the business is auctioned off by the lender to recoup a few of their losses. A fixed trait with entrepreneurs is that they are all the time looking for issues, or ought to I say, always searching for opportunities to resolve an issue.
So without wasting your time, beneath are some worthwhile enterprise opportunities within the oil and gas sector. For existing exporters of Agricultural and Mineral Commodities, we will assist you with our NON-OIL COMMODITY EXPORT BUSINESS MANAGEMENT CONSULTING SERVICE. With your personal business you would be capable to make as much money as you need or as little as you need, it is all up to you. You are going to promote or distribute services or products which are furnished by either the enterprise or a designated vendor.
You do not should be sensible but you to must care enough to build a enterprise that serves customers and employees properly. I've attended hundreds of enterprise seminars, workshops, trainings, and networking events but I've never gotten such high quality training and met so many mega-millionaires and successful entrepreneurs in one place as I did with Powerteam. Your native and market data additionally falls closely in the alternatives and threats category of your SWOT report.
There are no opportunities to practice engineering in Kenya, which means it is difficult to change into knowledgeable engineer in Kenya. At the beginning, I spent about $50 on some SAT books on Amazon, found some low cost enterprise playing cards online, and made a very terrible website myself. Get to know the programs that may find you a job or enable you to start a enterprise in Kenya.
How To Create A Business Card In Photoshop CS6
As a Mary Kay Consultant, I understand how helpful Mary Kay suggestions and concepts from different consultants might be. I can even let you know that Mary Kay is a superb opportunity in case your work it to your full potential. Unless you will have the technical expertise to work on your own, it's best to take the time to use some of these templates. Tabloid Size – eleven"x17": Some dwelling printers can deal with this size, but you will see these printers are much larger than other at dwelling ink jet printers. It's from one of our business card templates that you may quickly and easily refresh the manufacturers picture, or re-create a present enterprise card design that has worked well for you prior to now. We need to make certain your playing cards will outcome in the highest quality product attainable.
If you are new to this system and wish to have a certain fire way of making interesting, original collaged artist buying and selling playing cards (atc's) every time, this tutorial will likely be simply what you want. Even a free be aware card or 5-10% off their purchase is often enough to tip them over the edge into shopping for from you. An obvious idea utilizing simply the front of the card, which could be reduce down to the required dimension for a postcard.
It appears to save cash, nonetheless, I make business card for myself, it seems spent extra on enterprise card. I assume we used this cash very correctly by purchasing a full two page (on the fold) ad with an area paper, Seneca Journal Messenger We supplied small business card sized ads to the native companies to make the border at the small value of $25. There are a number of hundred identified collectors of enterprise playing cards, especially antique cards, movie star cards, or playing cards made of unusual materials.
Who knew they even offered blank Tarot playing cards – not me. Thanks loads for making this interesting lens. I keep cards – can't bear to throw them away, so I even have loads of supplies for these initiatives. Unfortunately, not all members may be willing or able to carry high quality referrals to different members and/or solely bring enterprise to some of the chapter's members. If I am launching a brand new product, for sure I am going to difficulty a press launch and submit it on-line to blast out to media shops.
Ujean Kwon's whimsical illustration of Yin and Yang on this elegant enterprise card makes it perfect for any occupation or profession with an Asian orientation. Each committee member might buy a certain colour shirt and print out the design and switch it onto their shirt. This lets folks you are available in contact with know what you do. I received a number of enterprise this fashion. For different nice examples of artistic marketing and design, try our packaging and bagvertising posts. All of these cards have templates to personalise them together with your title, deal with and other details.
Building Your Clientbase With Referral Cards
Real Estate Business Cards act as instruments for spreading the business of estate brokers. Many text information use plain text (.txt), Rich Text Format (.rtf) in addition to Microsoft Word (.doc) and nowdocx. You should purchase printable Christmas letter templates on-line or get preprinted Christmas stationery at native stationery stores, low cost shops and greeting card outlets. Copy and paste the textual content from the first card to the remaining cards in the template.
Referral playing cards!!!What are these you are saying to , as a substitute of plain business cards you make a referral card for the customer to hand out to people they primary idea of that is when a customer has no matter they've executed at your store you give them these specialty cards that can have a template that matches your small business. If you are a Hypnotherapist and want a website design for your corporation you then'll be glad to listen to that we can help! Doodle Cafe Menu + Business Card , in your restaurant, cafe, fast food, steak home, and many others.
Fine if your online business is wholly on-line, however if you additionally run an offline shop where you already have accounting and inventory management methods, those options just imply double dealing with. So to hurry issues up I went ahead and created a simple business card design which you will see in the below picture. Trying to optimize your small business locally is vital especially for companies that offer local companies.
Peruse these samples and see if you do not you have completed, please you'll want to visit the designer business card part of Ujean's Whimsical World. In this publish, you will note prime quality print ready business cards All designs are elegant, creative, neat, and effectively organized and excellent for what you are promoting or ever private use. I know it's expensive however IF you are doing allot of publishing – Microsoft Publisher is fantastic! Any enterprise that provides emergency help or is ready up to handle phone sales would wish a phone quantity on a card. The printable cards are finest printed on stiff card or onto paper after which laminated.
It appears to economize, nonetheless, I make enterprise card for myself, it appears spent extra on enterprise card. There are also a lot of free business card assets on the web for a spread of businesses and professionals. Business playing cards have a really standard size, so changing the proportions will probably be a noticeable change that may help your card distinctive with little further effort.
UC Print Storefront
If you think about what number of times you hand out your enterprise data to potential clients, contacts and friends of buddies, you realise how highly effective they're as a enterprise instrument. Brooklyn-based tattoo artist Bailey H Robinson has a very distinct tackle conventional American tattooing, and when he brought in Two Arms Inc to produce a set of customized letterpress business cards, they had been keen to design something that looked and felt like traditional turn-of-the-century kind. One of the primary things you want to do is write a enterprise plan which is your plan for your small business in full detail from begin to end. And my enterprise has grown as I now service the households of my original purchasers-smile.
I thought of the countless 1000's of examples of dangerous paintings I've seen through the years, and thought it may be fun combine all the artwork faux pas in one cracker design. There are quite a lot of free methods to do that, together with flyers, letters, canvassing neighborhood, open houses, parties, online categorized adverts and anything you possibly can think of. I used door hangers in my neighborhood, but in addition invested in pens and notice pads with my enterprise identify on them.
When receiving your online business cards free Vista Print will use the again of your corporation playing cards to advertise their enterprise however who cares, they're free. Actually, both of these strategies (offline and online) are good, because you may get the easy entry for the designs that you want, directly or indirectly. I decided that the one method to conquer the inertia was to design a brand new enterprise card. If designing in Adobe packages, use one in all our start file business card templates which can be already prepped and optimized for print purposes. Frankly even one web page with contact data will go a great distance towards serving to your artwork business.
Having a enterprise does not imply you could go and relax, instead you must work more durable much more than while you had been only a regular employee. When Cocoa Branding was hired to create branding supplies for Elias Mendoza, probably the most outstanding immigration and naturalisation attorneys within the United States, it needed to convey the unique and personalised contact that Mendoza brings to his work with all types of family and enterprise immigration needs. Some individuals are seemingly confused on what's the exact definition of a premium enterprise card.
The finest approach to get reviews is to create a overview me enterprise card that may sent your buyer to your blog where you have got an space for getting evaluations with hyperlinks to review pages like google places and yahoo or yelp. If you want to print your self, it's best to in all probability use pre-perforated blank business cards which you could print. Flexible, thick and accessible with three kinds of lamination, it is perfect for getting your online business card up on fridges, radiators and boilers where it may be seen.


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Vickery expects Lions axe
British & Irish Lions prop Phil Vickery does not expect to retain his place for the second Test with South Africa after suffering a mauling in Saturday's opening defeat in Durban.
Phil Vickery looks unlikely to play any part in this season's RBS 6 Nations Championship.
England manager Martin Johnson will be poring over his front row options after Phil Vickery was ruled out of contention for the autumn.
England have been dealt another major injury setback with the loss of World Cup winner Phil Vickery from their autumn Tests.
Fern Britton has revealed she fantasises about having long, leisurely breakfasts with her husband Phil Vickery.
Phil Vickery last night hit back at the critics questioning whether the concept of the British & Irish Lions still has a future in the game.


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I have a stubborn little boy still loitering inside my belly, so while I wait, ever so patiently, I thought I would post some photos of Sabanci Mosque that I took a while back.
Sabanci Mosque, or Sabanci Merkez Camii as it is called here in Turkey, (Merkez meaning "Central" and Camii meaning "Mosque,") is located at the far edge of Merkez Parki (Central Park) and is the largest mosque in Turkey. That's right folks, Adana boasts the biggest mosque, not Istanbul or Ankara. And while the mosque looks old and historic, many are surprised to learn that it was only recently built in 1998. One of the richest families in Turkey, the Sabanci family, funded its construction. It has six minarets, a 32-meter diameter dome, and has the capacity to hold more than 28,000 people. In other words, it's gigantic. If you Google images of Adana, this mosque is most likely the first thing that will pop up, as it has become a symbol of the city. When its calls to prayer go out multiple times a day, they can be heard across the city, which is something we have grown quite accustomed to since moving here.
The mosque is open to the general public and tourists (except during prayer times, which are usually posted on the front entrance) and photographs are encouraged. I must say, that even after touring the ancient mosques in Istanbul, the Sabanci Mosque here in Adana remains just as breathtaking, in my opinion. So, without further ado, here is Sabanci Mosque.
|View of Sabanci Mosque from across the Seyhan River
|Close ups of the exterior
|The interior--arches and windows
|32-meter dome
|Stunning marble tile work


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It's been a year since Brianne graduated and first shared with us a year ago about #Adulting. Her conclusion after her first year out of college?…
About a year ago I sat in Ezell chapel listening to a panel of women describe their own transitions out of college and into the "real world." I sat with anticipation for my own next steps; with the anxiousness that comes with being on the verge of something new.
I remember the things I was most curious about that evening – mostly practical things like how to find an apartment or how to budget for groceries. I was curious about the logistics. The how… the steps I needed to take to "get there." I wanted someone to tell me how to #adult. I was looking for steps to achieve an end on an evening telling me to focus on the process.
I wanted someone to teach me – basically as if I were taking a class (Adulting 101, anybody?)
That makes sense. I was in college where the entire experience is (hopefully) centered around learning. Most of the lessons involve gaining the skills and knowledge necessary to have a successful career in your field – and in that, I felt enormously prepared. I had studied hard, spent the hours and slowly built up the knowledge necessary for my post-graduation endeavors. And since I have graduated and moved into the 'real world,' what I have struggled with most has had nothing to do with my job or research.
What has been hardest to adjust to hasn't been the 'career' stuff – because my college education prepared me for that. The experiences which have challenged me most are those which required the skills I didn't realize I had been at Lipscomb to also learn:
- Learning how to make friends – without taking notes.
- Learning what my values are and how to live into them – without taking a test on them.
- Learning confidence in my decision-making and resilience in circumstances – without a textbook.
As ridiculous as it might seem to study my friendships built at Lipscomb or what my decision-making process looked like, those are the notes I found myself wishing for as I moved to a new city and began this next chapter. I was grasping at memories of how friendships developed because I found myself prepared by my education for highly specific skills such as giving lectures on intricate cell signaling – but amateur on how to build a community from scratch.
There's no textbook or class which prepares you for interacting and making decisions in the real world – because adulting isn't a test you can pass, it's a process you continue to develop in. And while you may no longer attend classes after graduation, you definitely don't stop learning.
It has been almost a year since I was a student at Lipscomb, and while my experience there was certainly a time of highly concentrated learning, there have been many weeks where my 'adult' life has taught me lessons in amounts which resemble trying to drink from a fire hose.
And yes, I did learn about how to find an apartment, pay rent, budgeting for groceries and all of those good logistics. But the more valuable lessons on "adulting" have really been about what my values are and what it means to stick to them, about taking risks, and about giving myself grace.
I have learned that no amount of money or accomplishment will satisfy your heart the way that living into your values and your purpose will. And it takes enormous courage to make choices which reflect your values over what the world tells you is valuable. But when you live within your values and your purpose you don't need the world's approval; because God keeps you perfectly filled and overflowing in the work you love.
"Delight yourself in the LORD and He will give you the desires of your heart" {Psalm 37:4}
I have learned that you must take risks and that calculating risk sometimes mean you have merely calculated to the point of knowing you are taking a risk – not that you have any sort of prediction of how it will go. This forces us into discomfort. You won't continue to grow as soon as you become comfortable, so how long you wait before making yourself uncomfortable again directly correlates with the speed of your growth.
"Go to work in the morning and stick to it until evening without watching the clock. You never know from moment to moment how your work will turn out in the end" {Ecclesiastes 11:6}
I have also learned the habit of giving grace, reminding myself often that the relationships, trust, and belonging I developed in my Lipscomb community weren't built in a day. They took the entire time I was there and were filled with countless moments of intentionality and vulnerability. I have to give myself grace when I go through one first impression after another, grace when I hesitate to open up to someone new and more grace as I stumble through making friends like it's my first day of kindergarten. Because in the same way that I could have never written a research manuscript on my first day as a freshman biology major at Lipscomb, I can't expect to be an instant pro at making friends as an adult in the real world.
I've heard people say that "life is a classroom," and I think that becomes even more apparent the more removed you become from an actual classroom. Because the learning doesn't stop – it just requires more intentional reflection for the lessons to become clear.
When I went back to read the thoughts I'd had last year (for reference click here), it was fitting that the women's spiritual formation event was called "Adulting: Trust The Process," because in my year of experience so far trying to "adult," I am definitely STILL trusting the process, and learning what that trust looks like.
While I may want adulthood to consist of steps leading to a definitive end, I have learned that 'being an adult' isn't something I can "achieve" but a process to engage in whole-heartedly.
There will be no grade and no diploma – but plenty of lessons. And I know I will never stop needing to trust the process.
Brianne is a Lipscomb alumnus and former student-athlete now living in Denver, CO. She is pursuing a Ph.D. in Cell and Molecular Biology doing research at the University of Denver.
To read last year's post by Brianne, and to learn from what the #Adulting panel had to share, click here.


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Glee + Grease? Yes, please!
Continue reading Music Review >> Glee Cast – 'Glee: The Music Presents Glease'
Glee + Grease? Yes, please!
Continue reading Music Review >> Glee Cast – 'Glee: The Music Presents Glease'
First things first, I realize Glee took on Michael Jackson songs and that not everyone in the world is thrilled about it, but I look at it like this: It's a tribute episode. The show utilized its talented cast and gave a handful of MJ's classics a go. It's completely ballsy on the show's part, but I respect it.
Glee's Grant Gustin, who plays the warbling bad boy Sebastian Smythe, talked with E! earlier this week!
Check out a full performance video from Glee's tribute to Michael Jackson!
Continue reading Video >> Glee Cast – "Wanna Be Startin' Somethin'"
Glee: The Concert on DVD includes performances not included in the theatrical release and additional features.
Last week's episode of Glee, "Hold On To Sixteen," featured seven tracks, which included the return of both Chord Overstreet (Sam) and The Glee Project's Lindsay Pearce (Harmony).
Let's be real. Overstreet's returning song on Glee should have been Justin Timberlake's "SexyBack." Am I right? I'm kidding … kind of. Of all the songs for Overstreet to sing upon his return to the show, Toby Keith's "Red Solo Cup" was not an option that I was anticipating. But with Glee, as always, expect the unexpected. Unfortunately, this track really felt out of place amongst the rest of the episode's songs.
I thought that Pearce did an amazing job on "Buenos Aires" from Evita. Man, this girl can sing. She exudes so much energy and personality when she sings, you can't help to be drawn in. I know she was originally only allotted two episodes per The Glee Project, but from what we've gotten to hear from her this season, it would behoove them to figure out how to keep her character relevant. I can't possibly be the only person that wants to hear Pearce on more than the two fantastic tracks she's contributed to this season.
Continue reading Music Review >> Glee Cast – "Hold On To Sixteen"
Among my favorite moments in each season of Glee have been the episodes that highlight song mash-ups. This season's mash-ups for the most part lived up to their predecessors and one particular track stood out as probably the best mash-up Glee has ever done.
In an episode chock full of medleys, Mark Salling's (Puck) take on Van Halen's "Hot For Teacher" was the only solo track. I don't think Salling gets enough credit for his vocal versatility. He showed a more vulnerable side of his voice earlier this season on a Foreigner track and, this week, we got to hear more depth and fullness in his singing. I think this was one of the better vocal performances we've gotten from him, actually. Cory Monteith (Finn) could also be heard on the track, and his voice pairs nicely with Salling's.
On to the mash-ups, Idina Menzel (Shelby) and Matthew Morrison (Will) sang a medley Lady Gaga's "You And I" and the Eddie Rabbitt/Crystal Gayle duet "You And I." On paper, one wouldn't think this could work, but surprisingly it does. I'm not sure that I'm quite sold on the pairing of Menzel and Morrison as duet partners, however. That said, I liked that Menzel had the bulk of the mash-up, because she really redeemed herself from season one's recording of Gaga's "Poker Face," of which I was never a huge fan. Overall, I found the double dose of "You And I" to be a success.