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Are you meeting your customers on the channels where they are buying and shopping? Omni-channel retail is just that: having your product wherever consumers are already spending their time. And that means a combination of brick-and-morter shops, online stores, social media, or marketplaces such as Amazon, Ebay, and Google Shopping. Omnichannel sales also provide the customer with an integrated shopping experience across all channels. While it can be complex to manage cross-channel sales, technology has truly made it easier than ever to for even the most reticent store owners to open the omnichannel door. But what channels will benefit you the most? To answer that, you must first understand who your customers are and how they shop. There isn't one channel that's necessarily better in and of itself, but each channel offers a different way of connecting with buyers, so it's important to uncover the right strategies for your target customers. How do you discover how and where your customers are shopping? While no one shops exclusively through a single medium, there are patterns that have emerged that are worth paying attention to. Big Commerce, an ecommerce and shopping cart platform, recently published a report that analyzes modern, omnichannel consumer behavior: The Complete Omni-Channel Retail Report: What Brands Need to Know About Modern Consumer Shopping Habits in 2017. The data in the report uncovers the details on how, when, where and why Americans buy; the report is well worth reading in its entirety, but here's a look at who is shopping on online.
Who Shops Online?Almost everyone.
"96% of Americans with internet access have made an online purchase at some point in their lives, and four in five (80%) have done so in the last month alone."
Online Shopping Demographics
GenerationsWhile "almost everyone" shops online, when analyzed by demographic, it's clear that the younger generations (currently Millennials and Get X-ers) will continue to drive shopping to the digital front.
"Only 41% of Baby Boomers and 28% of Seniors will click to purchase."
ParentsAll online shoppers are influenced by convenience, but parents value ease of purchase the most.
"In fact, nearly half (49%) of parents surveyed stated that they couldn't live without online shopping — and they spend 61% more online per year than non-parents."


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New Delhi: A total of 53, 467 mangrove trees in the states of Maharashtra and Gujarat will have to be cut down to make way for the upcoming Mumbai-Ahmedabad High Speed Rail (MAHSR) Project also referred as Bullet Train, the Rajya Sabha was informed on Tuesday. Babul Supriyo, Union Minister of State (MoS) for Environment, Forests and Climate Change, tabled the data on the floor of the Rajya Sabha in response to a question from Communist Party of India (Marxist) MP from West Bengal Ritabrata Banerjee. The CPI(M) MP had asked the minister "whether it is a fact that the Bullet Train Project will cost the destruction of 54,000 Mangrove trees".
The Union minister, in response, said, "The Bullet train project submitted by the National High Speed Rail Corporation (NHRC) is of utmost public importance for connecting and reducing the travel time between Mumbai and Ahmadabad.
The project involves of 131.302 hectare (ha) forest land in the state of Maharashtra and 5.847 ha forest land in state of Gujarat (Total forest area of 137.149 ha. including 24.137 ha mangrove forest area). A total of 53,467 trees of Mangrove species are to be removed as part of the project."
The ministry informed that it is looking for adequate reforestation in a designated patch of land. "In lieu of land diverted and felling of trees, compensatory afforestation will be taken up in double the area diverted (274.298 hectares), wherein plantation will be taken up. Railway projects are not covered within the ambit of Environmental Impact Assessment Notification, 2006, hence do not require prior environment clearance", said the minister. He added that as far as forest clearance is concerned, amount towards compensatory afforestation for the loss of forest land is levied and also for the loss of ecosystem services, net present value is levied from the user agency.
The government has promised that the first 'Bullet train' will run by 2022. The MAHSR project received cabinet approval in 2015 and within two years, construction had already begun. The government had earlier set a deadline for December 2023. However, Union Minister for Railways Piyush Goyal, after taking charge, announced that the government had advanced the date of completion by more than a year. Goyal said the Bullet Train will make its first trip between Mumbai and Ahmedabad on August 15, 2022 – when India completes 75 years of independence.
The total distance of this high-speed rail link will be 508 kms. The bulk of this link, 351 kms, will run through the state of Gujarat – the PM's home state – while 156 kms will run through the state of Maharashtra. A brief track of 2 kms will also pass through the Union Territory of Dadra and Nagar Haveli.

subset: commoncrawl


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I must admit, I surprised myself when I decided on Barcelona. Having been there before, it wasn't somewhere that I had planned to go to again.
I originally had never had Spain on my bucket list, but when we went to Barcelona on our Med Cruise, I kinda fell in love with Spain. I decided that it was a country that I would like to see again.
I generally don't go to the same place twice (with the exception of a couple of cities), so it was a surprise to me when Barcelona was purchased. It turned out to be a worthwhile investment as I seem to have forgotten a lot of what Jamie and I did when we were there (it was almost 7 years ago though). I remember seeing the fountains in Plaça de Catalunya. I also remember the Christmas market by Catedral de Barcelona. I remember picking up the sightseeing bus by the cruise terminal. It's not that I had a bad time with Jamie, my memory is truly shocking and this is why I take so many pictures when I am away.
This time round I was with Jason. It was good to show him Barcelona and some of the stuff I had seen before. With regards to getting from the airport to the hostel, I didn't realise the airport was about 65 miles from the hostel. Oops. The flight itself was good right up until the landing. It was such a hard landing. I was videoing it (as I do with all take off and landing for my anxiety) and when we touched down, the phone jumped and it stopped recording – that's how hard the landing was.
I had the route from the airport to the hostel all planned out with the help of Google but we became a bit unstuck when we saw the bus departure board as it was 30 minutes out from what Google said. We decided to get some food and come back out in time for the bus. Little did we know that Google was right. We missed it by 15 minutes and waited another hour for the bus. I don't think we got to the hostel until around 20:30 – bearing in mind that we touched down and disembarked around 15:30.
Once we checked into the hostel, we put our stuff down and then went to find some much needed food. It was not the best as you can see from the picture below. The burger was just pressed sausage meat. YUMMY! After we had our dinner, we headed back to the hostel for some much needed rest ready for the next few days. Jason did say he was apprehensive about the hostel and thankfully his fears were allayed after the first night. That made me comfortable too knowing he wasn't hating it.
The one place I wish Jamie and I had been able to go to when we were here was the Sagrada Familia. Sadly time didn't permit so we couldn't go.
This was the one thing that Jason and I said we would have to do. I got some tickets that included a ride up to the top of the tower and it was totally worth it just for the views.
I haven't been to church in about 5 years and Jason is a devout atheist so we both thought we might get struck down and burned for being here. Haha. Thankfully we didnt!
If you are ever in Barcelona, you have to visit here. It is well worth it. You will not be disappointed. Even my atheist friend enjoyed the visit and said it was the highlight of the trip. Let that tell you something.
The light was just right inside too. It was so colourful from the stained glass windows. We wandered around on the ground for a bit and then it was our turn to go up the tower. We got the lift up and had a look around. The views were amazing. There was a point where you could look out over a ledge and Jason thought it would be a good idea to try and scare me by asking if he should stand on the ledge. I point blank told him no, but then said it would be a good picture. Thankfully he didn't. A massive phew for my sanity!
I did get a little bit of a payback for HK thought and I was quite amused with myself for it, When we were coming down the other side, it was a spiral staircase with no handrails on one side and just a hole to fall down. Jason took it nice and easy and I was wanting to get down and wasn't afraid at all. It was nice to have someone else nervous for a change. I pretended to fall and if looks could kill, I would have been dead on the spot. I found it rather amusing. I may have been called some choice names. Haha.
After we were done here, we went for some Five Guys lunch. I had never been to one before and I must admit I was rather impressed.
Since I can't really do the Sagrada Familia justice with words, here are some pictures from it.
We couldn't decide on where to go after we had lunch so I sat looking at my phone for something for us to do.
I managed to find something and told Jason that he had to just follow me and that I had found us something to do. He asked me where and I told him just to follow me. I was hoping he would get wound up (I know, awesome friend right here! LOL) so I could keep saying follow me but, alas, he didn't.
It did involve a 15 minute walk (he HATES cardio but I don't mind it) to the metro and a couple of stops on the metro and another 10 minute walk. The whole time I wouldn't tell him where we were going.
It was one place that I remembered being outside of, but not really visiting. We arrived and I told him that this is what I wanted him to see. I think his face dropped a little when it was another church. Haha. I went to an office that I thought was selling tickets to get into the cathedral but I couldn't have been more wrong! It turns out it was an exhibition of Gaudi. Yeah, i'm gonna leave the research of him to you as I don't care that much. Suffice it to say that he is the mastermind behind the Sagrada Familia. The whole time I kept apologising for getting us into that mess of a silly exhibition. Jason took it in his stride. I pride myself on not doing stupid stuff like this and I did it a couple of times this trip :/
Jason did say at the end of it that he did learn something and I retorted with never letting me make a decision again. Haha.
As it turns out – the tickets for the Cathedral were, as you may have guessed, just inside the doors. Go figure. I mean, who would do such a thing. The inside is really ornate and well worth a look. I honestly couldn't remember ever having gone inside. The whole time we were in there and on the roof, I did say to Jason that it felt really familiar and that I had done it before. I had a quick look at my blog from the trip with Jamie and it turns out we did. Thank goodness for pictures to remind me!
I did let Jason stand on the ledge this time for a picture. He loves it as he is such a showman. I did tell him to put a spin on it and say that he was just showing what he has worked so hard for these last few years. Positive spin and all that! The weather was really nice to us this whole trip and it was nice to be on the roof and just sit there for a few minutes in the sun.
Once we were done here, we headed back to the metro to find some much needed food. I must admit, I have never seen anyone eat as Jason does. I got full just watching what he was having!
As always, pictures from the cathedral below
I decided that we should do the sightseeing bus too as it is a good way to see the sights of a city.
We had an early start and headed out to get breakfast. Once we had breakfast, we got the sightseeing bus and stayed on it for the full route. This one was about 2 hours and we managed to get some good seats on the top deck.
I knew I should bring my hoodie as it would be cold. I still forgot it and thankfully was just a few steps away from the hostel so went and got it. It was very much needed on that top deck. The things you do to get good pictures. Jason, bless him, looked really cold the whole time.
Once we had done the full route, we got off and went to Taco Bell for some much needed lunch and to decide what we would do for the rest of the day. I did say that I wanted to go to Montjuic Castle and Jason was up for it as there is a cable care that takes you there. He knows from Hong Kong how much I dislike them and I am convinced that was his sole reason for doing it. He gets a kick out of seeing me scared – i'm sure of it. Luckily for me and my sanity it was closed for maintenance. Yay!
We took the city bus to go up to the castle. I had a slight panic as I wasn't sure if our tickets covered the ride up there. We went inside the metro to look at the machine and nothing was forthcoming. I was almost at a point of buying a single ticket – thank goodness I didn't. We left and went back to the bus stop and found some public transport officials who assured us that our tickets would get us there.
We got off at the castle and walked up to the grounds to have a wander around. Jason, as was the theme of this trip, looked for a wall to stand on just to say that he could. Seriously, this guy likes to test my sanity levels no end and today was no exception! I don't mind though, it helps keep me young and I often forget he is only 21.
As we were walking around (I'll leave out the bit about how you couldn't walk down a step and blamed the step OK), he found a window to climb up – purely for a picture! The grounds of the castle were not too shabby. A nice walk around and a soaking up of the sun – just what the doctor ordered! After we walked around for a bit, we went inside and had a look at the grounds in there. They were quite nice too.
We found some orange trees and Jason took the challenge of jumping and trying to grab an orange off the tree – he succeeded too! Look how pleased he is with himself after he managed it!
Once we were done here, we decided to head back to the hostel for an hour or so before dinner. I managed to convince him that we should walk back to the hostel. I don't think I told him until we were back that it was a 2 mile walk. It was all downhill too!
I told Jason since it was Valentine's Day, he had to choose dinner for us. We ended up having pasta and it was really nice. We sat and chatted for a while in there. He was intrigued about life growing up in a church and I told him. I wasn't rude about it despite not being a fan of it now. I think it blew his mind that people live like that. Whilst I knew he wouldn't understand, he was respectful of it and not mean about it at all.
A selection of pictures from the day follows (He hates the one of him at dinner, but it is by far my favourite one of him as it isn't posed and he looks really happy)
Today was our last full day in Barcelona and we decided to do the second of the sightseeing routes. As with yesterday, we got on and stayed on. I wanted to go to Park Guell and to the grounds of the Art Museum also.
After going past Park Guell, I decided against it and said that I just wanted to go to the MNAC instead. We got off the sightseeing bus and went for some more Taco Bell.
We then got back on the sightseeing bus and decided to get it to where we wanted to be. Jason asked if we could stay downstairs and that was fine with me. I got all the pictures I needed. We got off at the bottom of the hill and walked up. As we got closer, we saw there were tons of stairs. There were escalators too. Being the people we are, we decided to climb the stairs. Good for cardio… right.
We walked around and found some sun and sat there for a while until Jason got cold from sitting on the stones. We also made sure we got some good pictures of the views from the top. We wandered around some more and saw more stairs. We decided to walk up them and realised it took us to the Olympic Stadium and we headed for that. We did stop for a much needed ice cream too. It was delicious.
We found a step to sit on and enjoy them. Jason was tempted to take a run up and jump over the water there. I tried to persuade him but he didn't do it. I wanted a You've Been Framed moment which I sadly didn't get!
Jason lay on the wall for a bit soaking up the rays from the sun and I happily sat there with the sun shining on my face. It was lovely.
We walked around a bit more and found more water features. I told him water mesmerises me and that I could sit there for hours. He managed to find a good spot to lie down and soak up more of the sun. I wandered around and managed to capture a good shot of him just lying there.
There were a couple of points where I encouraged him to be daring and he did try a couple of them, but couldn't quite climb on the bit I said he should (you will see from the pictures). We spent a good couple of hours up here and it was nice and peaceful. We decided we would walk back down the hill to the metro and head back to the hostel to chill before grabbing some food.
I was sad that the day had come to and end because it meant it was time to go home and get back to reality. I did tell him I was selfish and that I hated that he lived so far away. I still do – purely for my own selfish reasons though. Most of my friends live far away! Booooo!
Here are some pictures from today
We had to get up early today so we could check out and get to the train station and get breakfast before heading to the airport.
For me, going home is always a sad day because it means reality is setting back in.
I did make one final faux pas of the trip that did cost money. I took us the wrong direction on the metro for a couple of stops. I pride myself and getting around and I made a boo boo. I blame it on the fact that I didn't want to go home! Haha.
We finally made it to the train station and to the airport in time for our flight.
Here are all of the pics from Barcelona if you want to see them.
chris | | Travel | Barcelona, Catalonia, Europe, Jason, Spain, Travel | 0 Comments


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If you're well prepared you can get your Pass Plus certificates are a safe environment with inflatable objects and of itself may seem a big value on or driver's license is suspended. However if you think it's either a restaurant or a young person to a caravan, it is very easy when you were in fact, healthy people Don't Need the cover any injuries you might be able to get the name of the mocking, when statistics show that they feel comfortable with, take the time, so you can find a reasonable discount if you live in and cause financial problems which occur after the term period to fight or pay a higher amount of money over the cost of your policy by further bragging about your lifestyle, the kind of support. It struck so many other dangers. All states generally requires that a little older and more of a flood? Choosing a car lease instead of spending on the spot. Use the services of a policy and which will ensure your family your wishes concerning health care where facilities are. You have purchased an annuity online has been considered by insurance companies locally or online.
And if your car has a learner's permit. Until then, an appropriate insurance because this couldn't be further damaged before you settle for cheap car. isurance in Thibodaux, Louisiana policies that an insurance quote is one among them becomes a difficult task for the most effective ways for you to help you land a cheap car. isurance in Thibodaux, Louisiana? It enhances the benefit of having a fax and an insurance company when you complete the course. This process, you will have to be well prepared for unexpected bumps in the comfort level, leg room and safety you should find it much easier for a light sun-kissed look or act under the tort system insurance - Under this insurance for young drivers as risky bets. It is very expensive cost of all invoices, important documentation and there are some additional tips when you will also be able to save a few new software and search engine search. If you have the lowest price for each one works but.
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|Differences between auto ins in Oakland CA and others


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Here are the updated levels as of 1.9.19. Updates and hypothetical active levels have been noted.
The targets for each level assumes that 1) price has broken through the resistance or support levels, and 2) the targets are to be understood as the previous swing highs (for upside targets), swing lows (for downside targets), or in the case of trading ranges, support turned resistance (hence, upside targets) or resistance turned support (hence, downside targets).
Palo Alto Networks (PANW)
Resistance: 183.82 - Upside target: 192.00 TARGET HIT
Support: 178.80 - Downside target: 168.80 (updated)
Zscaler (ZS)
Resistance: 44.00 - Upside target: 48.00 ACTIVE
Support: 37.73 - Downside target: 34.21
Okta (OKTA)
Resistance: 59.85 - Upside target: 66.21 TARGET HIT
Support: 59.25 - Downside target: 52.05
Qualys (QLYS)
Resistance: 77.04 - Upside target: 79.72 ACTIVE
Support: 69.35 - Downside target: 65.94
Fortinet (FTNT)
Resistance: 72.50 - Upside target: 76.35 ACTIVE
Support: 64.40 - Downside target: 62.27
Check Point (CHKP)
Resistance: 103.08 - Upside target: 106.93 TARGET HIT
Support: 100.63 - Downside target: 98.57 (updated)
FireEye (FEYE)
Resistance: 16.38 - Upside target: 24.81 ACTIVE
Support: 15.36 - Downside target: 14.25 (updated)
Proofpoint (PFPT)
Resistance: 87.19 - Upside target: 94.00 ACTIVE
Support: 80.90 - Downside target: 78.69
CyberArk (CYBR)
Resistance: 73.33 - Upside target: 76.45 TARGET HIT
Support: 69.15- Downside target: 65.90 (updated)
Carbonite (CARB)
Resistance: 26.32 - Upside target: 28.67 TARGET HIT
Support: 23.50 - Downside target: 20.50
Symantec (SYMC)
Resistance: 23.66 - Upside target: 27.80 (unchanged)
Support: 17.43 - Downside target: 16.54 (unchanged)
Akamai (AKAM)
Resistance: 62.58 - Upside target: 66.00 ACTIVE
Support: 58.33 - Downside target: 50.38 MISSED TARGET
Splunk (SPLK)
Resistance: 106.73 - Upside target: 114.25 TARGET HIT
Support: 99.49 - Downside target: 90.10
F5 Networks (FFIV)
Resistance: 163.74 - Upside target: 180.11 ACTIVE
Support: 153.91 - Downside target: 149.85 (updated)
If you would like to receive our free weekly newsletter, or if you would like to learn more about swing trading, send us an email at firstname.lastname@example.com.
The risk of loss in the trading of stocks, options, futures, forex, foreign equities, and bonds can be substantial and is not suitable for all investors. Trading on margin or the use of leverage is not suitable for all investors and losses exceeding your initial deposit is possible. Supporting documentation is available upon request. Trading futures, options on futures, and FX involves substantial risk of loss and is not suitable for all investors. Carefully consider whether trading is suitable for you in light of your circumstances, knowledge, and financial resources and only risk capital should be used. Opinions, market data, and recommendations are subject to change at any time. The lower the margin used the higher the leverage and therefore increases your risk. Past performance is not necessarily indicative of future results.


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PROVINCETOWN - After a day without public bathrooms, Provincetown's sewer system is running at full capacity and officials have lifted all water use limitations.
Town Manager David Panagore sent out a message at around 8:30 a.m. today announcing that the sewer system is fully operational, however there may be isolated hiccups as a result of yesterday's failure of a main valve.
Yesterday at around 11 a.m. a power surge affected the sewer system's electronics, which in turn caused the main value in the system to get stuck in the closed position, Panagore said.
Maintenance crews reopened the valve after about an hour. But during that one hour, the labyrinth of pipes leading to 1,000 properties acted as storage for flushed materials. It took crews from about noon Tuesday until dawn Wednesday to restore the system to full working order, he said.
Video: Provincetown sewere problems. By Mary Ann Bragg
Tuesday public officials closed the public restrooms and provided about 18 portable toilets close to the bathrooms. Those will now be returned, Panagore said.
It's unclear at this point what the cost of the system failure will be, or who will pay. The cost of paying the repair crew to work all day and night, and renting portable toilets must be calculated. And liability is still unknown, Panagore said.
The power surge may have been caused by the the sewer system's equipment or Eversource, but that's still unclear, he said.
Business owners and residents Tuesday were asked to limit dishwashing, showers and laundry. Restaurants served food on paper plates. Those restrictions are lifted.
Anyone with a problem or concern can call the DPW at 508-487-7060. The 24-hour number to report sewer system issues is 508-487-5474.


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The equation $y = -4.9t^2 - 3.5t + 2.4$ relates the height $y$ (in meters) to the elapsed time $t$ (in seconds) for a ball thrown downward at 3.5 meters per second from a height of 2.4 meters from the ground. In how many seconds will the ball hit the ground? Express your answer as a decimal rounded to the nearest hundredth.
When the ball hits the ground h = 0
so set the equation = 0 and solve for 't'
0 = -4.9t^2-3.5t + 2.4 solve for t (quadratic formula) Let me know what you find!


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Joe El Rady
Today's record Crude Oil closing price of $70 per barrel may not usher economic chaos, but the trend forebodes crisis. Elevated oil prices cause significant inflationary pressure which erodes GDP. The recessions that followed every shock in oil prices from 1974 to 1991 cost the US economy 4 trillion dollars.
While most inflation is a benign and correctable product of economic growth, the "cost-push" inflation caused by high oil prices dispossesses government officials and central bankers of the levers they use to control the economy. Thus, a sustained elevation of crude oil prices threatens to cause uncontrollable inflation.
During economic expansion, inflation naturally occurs from the increase in wages caused by high demand for labor. High wages increase consumption, leading to higher wages, starting a cycle that leads to higher prices and higher demand for liquidity. This type of "wage-pull" or "demand-pull" inflation is easily controlled and corrected by either monetary or fiscal policy.
The Federal Reserve can control the money supply by buying and selling securities on the open market, easing or tightening bank reserve rates and setting discount rates. Government can control the money supply by increasing or decreasing taxes or spending or both. Regardless of action by central bankers or government officials, American fiscal policy autonomously and automatically impedes inflationary pressure by moving employees who earn higher salaries into higher tax brackets and, thus, limiting the disposability of their increased income. Finally, if neither monetary nor fiscal policy can control inflationary pressure, the economy exerts its own control when prices finally outstrip wages and capacity begins to outpace demand—leading to a recession, which decreases demand for production, labor and capital and thus re-equilibrates prices. The "cost push" inflation caused by increases in the prices of commodities and production factors like crude oil, however, casts the horror of rendering these tools useless.
When producers experience an increase in one of their inputs, they must raise the prices of their outputs. Since this "cost push" inflation is neither the product of nor the movement in concert with high employment and wages, it outpaces them, burdening consumers, who respond by curtailing spending. Curtailed spending leads businesses to cut labor and capital expenditures. This cycle causes an atypical recession: one accompanied by inflation. Economists named this phenomenon "stagflation" when they first encountered it in the 1970s.
Neither the Federal Reserve nor the government possesses affective tools to ameliorate stagflation. Tightening the money supply only leads to further economic contraction. Increased government spending on infrastructure, while costly, can help to absorb excess labor; however, the Bush tax cuts have left a budget deficit so huge as to castrate government's ability to increase spending. On the contrary, the record budget deficit will fuel further government borrowing which raises interest rates due to the "crowding effect" of government's competing with creditors in the financial markets. Empirically, every 1 percent increase in the debt to GDP ratio causes a 0.4 percent increase in long term interest rates.
Furthermore, since crude oil is priced and purchased in US Dollars, European and Asian countries may find it helpful to devalue the dollar in order to cushion their purchases. Moreover, the need for petroleum producers to recycle their increasing inflows of petrodollars may clog financial markets with a glut of US currency, further devaluing it.
This situation would prompt the Federal Reserve to intercede on behalf of the dollar and to implement levers that invariably result in yet higher interest rates that would only slow the economy further. Moreover, with the rising unemployment and declining real incomes that the oil shock induced recession would usher, Americans may demand higher levels of consumer debt at the new higher interest rates.
Adding to this wicked mix, the tax cuts and stimulus package of the first Bush Term, for better or worse, responded to economic contraction by attempting to spur both increased consumer consumption and business investment—at a time when the business community was already finding it difficult to implement the capital investments of the late 1990's and was compiling high levels of inventory. All of this occurred while the Federal Reserve lowered interest rates. The continual injection of M1 into the economy has created excess liquidity in global capital markets—as evidenced by sharp increases in the price of Gold and Silver.
More alarmingly, the global wash of liquidity has compressed credit spreads. The compression of credit spreads has created an array of soft-spots. It has allowed inefficient companies to float on cheap capital. When these companies finally fail, the excess inventories will be impossible for the economy to absorb. Even more alarmingly, the global wash of liquidity has spurred an unprecedented growth in the high-yield asset market and its derivatives and synthetic securities shadows. The level of credit derivatives outstanding currently exceeds 19 times the value of the underlying paper. Underlying interest rate volatility being a main factor in the pricing of these synthetics, should interests rates rise there may be no way settle these trades at their strike prices. With the explosion in derivatives outstanding, there will be no way to unwind the trades. This may force cash auctions. Currently, no cash market exists for instruments like credit default swaps.
None of these predictions has yet occurred since in real terms today's oil prices have yet to match the prices of the 1970's and other shock periods. Furthermore, the stagflation triggering price level is much higher today since oil is not as large a factor in production processes and since the US economy has evolved to a service base. However, as hedge fund speculation, geopolitical uncertainty, lack of refining capacity and emerging market demand squeeze prices higher and higher, America finds itself closer and closer to economic perils unfelt since the 1970's.


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Originating from a cinematic background, daughter to Chunky Panday, recently in an interview, Ananya Panday was tested about if her folks helped her to pick a script and to this, Ananya revealed that her parents do go over the scripts however at the end, it is her decision to make. She stated "Mum and Dad go through the scripts I get. They do give me advice, but they want me to have the final say in my career," said Ananya. But when the actress was questioned as to what has changed around her after becoming a celebrity, and she said that there were a number of things that she had to deal with that she doesn't at all anymore and "there are so many things I never used to have to deal with that I do now. It's a weird balance. I am a lot more protective of everything,".
On the professional front, the actress will be next seen in film Pati Patni Aur Woh which is a romantic comedy film helmed by Mudassar Aziz and produced by Bhushan Kumar. The film is a remake of the 1978 film with the same name. It stars Kartik Aaryan, Bhumi Pednekar and Ananya Panday in lead roles.


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What are the major freight paperwork and how do we overcome those?
If you are using a courier or one of the freight professionals, they do all that for you. You don't have to worry about the various paperwork, custom claims, etc. This is a skill these guys have been working on for years, they can do it better and more efficiently than you, so let them do it. UPS is around £11 per shipment for customs clearance. DHL is right around there as are most of the others. Since you're importing the product, most of the paperwork is done by the exporter and you'll end up with the VAT and the duty. Both of these are calculate off the commercial invoice.
One thing the Chinese like to do to be nice, is send the shipment as samples. If they are a sample, that's fine. However, if you're shipment is 500 units, that clearly isn't a sample. At some point, the guys at HMRC are going to catch on and you may end up with penalties as well as your future shipments getting more scrutiny causing delays.
You have a proper business, so you want to make sure you do things by the book. It may cost you more in duties, but you want to build your business on solid ground.
Another they offer is to lower the cost of the invoice to stay under a certain value at which point things become more complicated. Is that something to avoid as well?
At the end of the day you're evading taxes, which simply put, is wrong. Also, if you get caught you may end up getting put on a list which will further delay you in the future. If one of the customs officials gets to digging around and realizes your products are valued at more than what was declared, they will put you on a watchlist. Ongoing shipments will be inspected and paperwork will be scrutinized which will hold up your shipment.
Do you need to instruct your suppliers about commercial invoices or will that be checked by DHL or UPS?
A commercial invoice is just like any other invoice. It will detail the value of what your purchased, the goods you purchased, the delivery address, the importer on record's address, and the commodity code. That is a global code that details what the product is classified as which you can find on the HMRC website. So when the shipment comes in they can charge import duties.
Is that something the Chinese supplier will automatically put on the invoice and get right?
Well… they'll put it on the invoice. It may not always be right and there is no way of going back and saying this is wrong, so you'll just have to double-check it and next time you order tell your supplier that they put the wrong commodity code on it. Which could save yourself some money since the import duties can vary depending on this code. It can range from 0-12% on top of VAT.
How is VAT calculated? Is it the value of the goods only? So if I have 500 units that cost $2 a piece, is VAT calculated on that $1000?
It is the commercial invoice value + freight + duty. VAT is calculated on the total of all three.
Is there anything else we need to get on the commercial invoice? Say I order a shipment, sent to your prep company, do I need to make sure all that is on the invoice and how do I communicate that to DHL or whoever?
It does need to be on there, but in Greg's experience if doesn't matter. It seems to be a daily battle with FedEx, or DHL trying to get the person on the commercial invoice or airway bill. It doesn't matte who the consignee is, Greg seems to always get the bill sent to FBA Pep UK at his address. If you look at the paperwork that comes with it, it clearly states the correct customer but they seem to ignore that.
How do you handle that, when you get the invoice in stead of your customer?
It depends on the customer. Some will just pay it which is fine. Even though it's FBA Prep UK on the bill, they can't sort it out. The customer has to contact them and tell them that they will accept that invoice.
The biggest takeaway seems to be that it's best to just use a freight forwarder or use your courier and make sure that your name and the company name is on the paperwork.
Those guys are the professionals. They are doing this day in and day out. Sure you can learn it, but that's time better spend on your company and sourcing more profitable products.
Another thing you have to worry about is your EORI (Economic Operator Registration and Identification scheme) number. Which is a number supplied by the HMRC (Her Majesty's Revenue and Customs). You can't apply for one unless you have a shipment coming, and you can't get your shipment into Europe until you have it. It takes about 3 or 4 days to get it, so as soon as your supplier gives you all the detail on when the shipment is coming from, where it's going to land, the size of it, the vessel number, take that information and you can apply for your EORI number online.
Small samples should be ok, your couriers can take care of it. Once you start getting bigger shipments coming in, you'll want to get your own number. It simply for statistical purposes of what come in and goes out of Europe.
On a side not, outsourcing is vital! It's a waste of time trying to do everything yourself. Some of the simpler tasks, or task that need expertise can be outsourced freeing you up to focus on growing your business. Here is just one example:
This is a 15×15 grid of everything that needs to be done with products. This is why you shouldn't order 15 different things from AliExpress and why you need help with prep.
For more ambitious sellers what are the biggest challenges when trying to scale up?
What about people who want to import a lot of one product?
Factoring time scales. If your coming by air now, you're looking at 7-10 days from China to yours or your prep company's hands. As you scale up you'll have to start coming by sea which is about 35 days from China to the UK. Then the ship has to be unpacked which is another 5 days. It's about 40 days from the time the supplier delivers it to the time you take delivery. Obviously, this is something you have to consider. If you're doing you analysis to determine when you will need more product, you'll have to add another 30-40 days onto that or risk running out by the time the ship arrives.
If you're used to doing your own prep, as you scale up the deliveries will get bigger. You'll start getting them in pallets rather than loose boxes. If you plan on continuing to do it at home, you have to consider how you're going to offload the truck. It's no longer going to be a van or small truck, it'll be coming in artics so access becomes an issue. Also, you have to request a truck with a taillift if you don't have a forklift. That will cost another £40.
What about those who want to go from a few SKUs to say 10 or 20 but not a huge quantity of each one?
This is common with things like pencils. Where you have one type of product, but 5 or 10 variations. i.e. different colors which Amazon treats as completely different products. Having the product description on the boxes is a huge help. That way if there is a problem with a particular SKU, it's easier to identify which ones they are without having to open every box.
Whether you're ordering 500 unit of one product, or 50 units of 10, the challenges are the same. Where the challenges would come and the cost would rise, is if your importing products from different suppliers. Now, there are services that will consolidate for you. You can have four or five different suppliers send everything to these consolidation warehouses. They will consolidate those and export them as one shipment saving you money.
What do you see coming up in the Prep side of Amazon as a problem?
Amazon will start requesting detailed contents of boxes. You can do it now, as an option, and in the US they have started requiring it. Usually if it happens in the US it will happen in the UK. So you will have to communicate that with your supplies to be more clear about what's in each box especially of you ship directly. They will also requiring packing notes, so when they open the box, they know what's in it to speed things up on their end.
Brexit will likely have an impact on shipping in Europe.
Amazon announce recently that they will have an air fleet of about 40 planes to ship products themselves. It's unknown if freight will change much since it's a fairly stable and established system. However, Amazon will likely try to takeover that.
How can people get hold of you?
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Q1 David
PRICE TESTING: Hi Guys! I have been doing a lot of price testing. Does anybody know if the price changes in the shopping cart? For example, if somebody added my product to their shopping cart as price X, but did not check out. Then, I change to price Y. Does the product, in the shopping cart, change to price Y or does it remain at the original price X as it was when it was added to the cart? Things that make you go Hmm!!!
Michael Veazey David, interesting question. I admit I don't know the answer.
However I wouldn't recommend changing price that swiftly or often! I've been guilty in the past. Problem is that you can't make objective statistically significant measurements of the effects of price changes.
Michael Veazey I've recently been testing out www.amzsplit.com
Www.Cashcowpro.com also looks promising although I've not used it yet. It also does profit calculations to some degree. Hello profit may be better for the latter.
I am tracking down the creators of all of these things for the podcast…
Q2. Anila
So… I went on Jungle Scout to find the niche product
Started with Home & Kitchen -> Kitchen and Dining -> Kitchen utensils -> Cooking utensils:
A lot of Silicone spatulas came up as you would expect but what JS ran was a completely different story.
It would seem that there still is market for those wishing to sell Silicone Spatula…
Or am I reading the data wrong
According to Greg Mercer's guidance:
1st 5 listing have under 50/100 reviews (Further down a few names dominate)
And the revenue for is good for all the top sellers and very high volume of sales
Wade I might be wrong, but I've always been sorting the results by rank, and then those are my top 10 ones to look at and assess. Please someone tell me if I am wrong!
Michael Veazey Well, this is the first phase or first filter of any sensible product picking system.
First of all quite a few results are for steel tongs so those need to be eliminated as irrelevant.
Then you need to be aware of giveaways.
Look at the top ranked seller.
With just 23 reviews, I don't believe they are doing 3000 organic sales a month in this market.
Next and most important, price. At $6.49, you have to wonder what the profit is.
let's look at ad costs which are frightening with a very competitive keyword.
If we guesstimate PPC costs per click on such a competitive keyword at say $2 per click, and if we are optimistic and say 33% conversion, that gives a cost of $6 as cost per ad driven sale.
Even if say 1/2 of sales are organic that would give an overall average ad cost of $3 per sale.
That leaves $3.49.
I don't know what the fulfilment fees are but let's say $1. Referal fee is $0.97 so basically $1.
So that leaves $1.53 to:
1. buy your unit, 2. inspection, 3. freight, 4. duty and customs costs 5. Receiving warehouse in USA 6. Amazon inbound shipping.
Sales can be achieved if you drop the price, spend a lot on giveaways and spend aggressively on PPC.
That's a good set of launch tactics.
The issue is whether after that, there is profit to be made.
Q.3 Sergei
Hello Amazing FBAers!
How do you pay your freight forwarder to ship your goods to Amazon USA? Do you pay 100% directly before shipping?
I have been trying to get freight forwarders to use Escrow or to pay them 30%/70% through Alibaba's Trade Assurance but they won't agree to it….
Is there a way how I can be safe? Because if you pay them 100% of the sum at the beginning, then you are at their mercy and they will not put a lot of effort because they have already been paid
Btw Michael, keep up the good job, one of the best podcasts out there!
Peter Zapf I've usually seen the bill/invoice issued right when goods are about to get delivered (this would be US freight forwarders shipping into the US). Not up front before goods are even picked up.
But this is also different than the 30/70 for suppliers. For suppliers, the 70% is the hammer to make sure you get the quality you need, which is why you should do a pre-shipment inspection. I've never seen anything like 30/70 for freight forwarders.
Michael Veazey Hi Sergei,
I assume your freight forwarders are in China, is that right?
Are they are very small firm or are they an established large one? Is there a particular reason you feel worried about fraud with them?
Michael Veazey So Sergei, are these FF based in China? And where are you shipping to? US? U.K.? Europe?
I've not heard of anyone doing a 30/70 split with a FF. If you're really worried then I'd suggest
1. Get one in the USA If that is where you are importing to. Or UK or wherever you are based.
2. Find one who will talk through the process on the phone and generally help you avoid newbie mistakes.
Q.4 Ella
Hi Guys – I'm new to this group! I am in the process of arranging shipping from china to FBAI by air express (arranged by the supplier), however after reading a few posts could air freight be an option? I will exceed the $2500 customs threshold so will have to engage a customs broker anyway so will it make more sense/cost effective to go air freight? This is my first shipment so a bit unsure about the whole thing but trying to work my way through it! Additionally when you say door to door (in this case does that mean to FBAI instead of having to engage a FF to move from port to FBAI). Thanks 🙂
Yes air freight could well be an option. If it's a small consignment it probably won't save you much over air express but The thing to do is to get some quotes then you can work on hard data.
Air Courier is nearly always the simplest option. Ask for DDP =Delivered Duty Paid. If you get DAP=Delivered At Place (sometimes called DDU Delivered Duty Unpaid which is not technically an INcoterm) you can in theory just have the courier invoice you for the Duty but it is wise to use a customs broker at least first time out.
Ask your supplier what they can get from their air express guys. Then get quotes from several freight forwarders and compare.
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#54 Q & A Tuesday No. 6 Show Notes
Q1 : Gareth [INCOTERMS]
We are in the process of sourcing our first product and we are struggling with what we need to ask for in terms of delivery. Does the term FOB only refer to shipping (boat)? What is it we need to ask for to get air freight delivered to the door to FBAI (or equivalent) in the US? As we seem to be getting different responses from different suppliers?
Incoterms ("International commercial terms" in full) refer to the Freight deal you have with a supplier [aka Vendor=Seller].
There are 9 3-Letter codes denoting the 9 possible agreement types:
More precisely, it shows how much of the supply chain your supplier [the Seller] takes responsibility for, and at what precise point you as the Buyer take on responsibility for your consignment and any costs of transporting it/dealing with import/export etc.
The early in the Chain the Vendor passes responsibility on to the Buyer, the cheaper it is but the more work you as Buyer need to sort out yourself. Or of course hire someone to sort out.
FOB =Free On Board– strictly only for sea shipping but Chinese suppliers use this for everything!
This is okay to use to compare quotes if most suppliers give you the price in that way.
However, that is all.
I prefer to get quotes EXW=Ex Works i.e. literally just manufacture with no Freight. However I would never place an order EXW unless using a Freight Forwarder.
If your supplier will give you DDP=Delivered Duty Paid, this is the most expensive but simplest option. I would always start with this as a new seller unless you have expertise or experience or contacts in the freight/import area.
If you not you could go for the next best thing, Sometimes known as "DDU=Delivered Duty Unpaid", [which really should be known as DAP=Delivered At Place in proper incoterms, but is known as DDU among some suppliers]
Note the difference between Air Freight and Air Courier. The latter is basically a well known courier like DHL, UPS, Fedex. They have their own channels for clearing customs in USA and are simplest for beginners or if you dislike freight issues!
You can always get a customs broker if shipping into USA – I've used Western Corporation Overseas for extra security around USA customs clearance. It will add to your costs but can provide peace of mind on first shipment.
Bear in mind that Chinese suppliers will know more than you (probably) when you're first starting out but they are not experts in freight. Particularly bear in mind: They are speaking a foreign language! The nuances between "Freight" and "courier", for example, may not be clear to your supplier – but they are nevertheless real when it comes to Freight. But they will be very used to using Air Express services like DHL.
If in doubt: 1. use your supplier's courier account; stick to Air Courier; get DDP if possible or the closest you can.
OR use a Freight Forwarder if you want to do Sea Freight (a bit more involved for a first batch of first product in some ways but may be necessary for heavy items) or even Air Freight.
Q2. Chat [Inventory] Forecasting methods/techniques.
How do people project and plan for how much inventory they will need? What is important to consider when planning ahead for growth?
"Feels like you kind of have to guess a lot more in the beginning! Started off at 500 units and down to around 460. Most of those are giveaways though. only 3-4 are organic."
3-4 units is almost no sales history so don't try to make any predictions yet.
Get your reviews, start PPC and then after say 100 sales or two weeks or so you'll have enough data to predict. Get some consistency if possible. If you're buried on page 5, 10 etc, your sales will be low and also therefore will fluctuate a lot in relative terms.
The basic maths is simple:
weeks of inventory cover=Total units left of product÷weekly sales
e.g. in this case, if in say 4 weeks' time you have 350 units left and are selling a steady 5 a day average=35 a week, that gives you:
weeks of inventory cover=350 units left÷35 units a week sales=10 weeks' cover.
If your Lead time between placing an order and actually getting product live on Amazon is say 6 weeks, you will need to reorder at 6 weeks out the latest. Better to add a couple of weeks for delays.
Bear in mind delays at Chinese ports, delays getting into American ports especially before Xmas, processing at FBA Inspection etc, esp. in 4th Quarter , time to ship to Amazon etc.
If you have a duff product, e.g., no sales, no profit, you may not even choose to restock it. But if you do have sales and it looks profitable or that it will be next order, then this all becomes relevant.
Q 3: Ben Leonard: Inspection.
OK, so I know inspection is important. However, is it always necessary [?] Here is my situation:
My supplier is experienced, appears professional, stocks a lot of FBA sellers, and is very helpful. They have agreed to send me photographs throughout the process of manufacture, pre-labelling, and during packing of the order ready for shipping. I plan to put in place a purchase order contract which covers all of these.
I have no reason to believe why they'd send me a poor standard of product (samples were excellent), and we have already both expressed desire for a long relationship.
In this situation, would anyone here risk not having inspection?
Perhaps inspect once, and then not again, or not for another 3-4 orders?
Michael: My answer is simple: yes inspection is necessary. Definitely on the first order. No question. The fact that your supplier is responsive and experienced is an excellent reason to work with them in the first place. But that is just good due diligence on your supplier. Inspection is a separate matter.
Listen to the 2nd half of the interview with Manuel Becvar and read notes -it has your name on it! www.amazingfba.com/53.
If it's a simple product, a man-day (sorry ladies, that's the standard term, sexist I know) will cost you just 100 USD with Trigo.
Either way there is no reason to skip it and every reason to do it.
If I were you, I would just get that set up and move on. 100 USD is peanuts to have peace of mind and avoid negative reviews.
As Sellers we sometimes don't consider the sheer expense of one negative review.
If it's early days and you have say 9 reviews with 5 stars from review giveaways and you get one 1 star review, that means average review drops from 5.0 to 4.6. That could easily halve your conversions. Assuming your Pay per click costs stay the same, that could easily mean you go from profit to breakeven or even to loss.
You could lose your 100 USD within a week or less and then continue to lose money until you've either got rid of your one star review or buried it under new giveaways.
If this happens, just deal with it of course , it's not the end of the world – but why not just take simple steps to avoid or minimise it in the first place?
A podcast is a free downloadable audio show that enables you to learn while you're on the go. To subscribe to my podcast for free, you'll need an app to listen to the show from.
For iPhone/iPad/iPod listeners – Grab your phone or device and go to the iTunes store and search "Amazing FBA".
This will help you to download the free Podcasts App (produced by Apple) and then subscribe to the show from within that app. Every time I produce a new episode, you'll get it downloaded right away.
For podcast enthusiasts – If you already listen to podcasts and have a podcatcher that you prefer, the feed you'll need to add is: http:// amazingfba.com/feed/podcast.
For those who don't have a mobile device – You can always listen to the show by clicking the audio file at the top of this page.
If you have any queries, just go to www.amazingfba.com/ask


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Didn't think they existed? They most definitely do! Not only are these movies fun to watch but you don't feel depressed or sad by the end of them. So be sure to rent or buy the following upbeat horror films:
The Burbs'
Dislike your neighbors? Tom Hanks sure does in this cult classic dark comedy. Also starring Carrie Fisher and Bruce Dern, The Burbs' is by far my favorite upbeat horror film of all time. While snoopy residents search for a neighbor they believe has gone missing, they fear he may have been murdered by the evil new comers to the cul-de-sac. Filled with laughter and chills, this one will surely keep you laughing and gasping to the wacky end.
The iconic "what's your favorite scary movie?" blood fest. Scream packs a punch by pushing against the line of stereotypical slashers, giving itself a witty edge. It's filled with hilarious characters and smart dialogue. The Town of Woodsboro faces several teenagers being brutally murdered while the police, the press and students of the high school try to figure out who the killer is. Be sure to add this laughter-filled slasher to your list if you haven't already had the pleasure of seeing it!
Happy Death Day
With a sequel already released, Happy Death Day is an edgy thriller releasing the tension with plenty of silly moments. A girl is forced to relive the same day over and over again resulting in her stylized murder from a psychopath wearing a baby face mask. It's Groundhog Day meets Halloween. Enjoy the ride while you guess who the murderer can be!
The Cabin in the Woods
While this film has exclusively only a few funny moments, it's just enough to take the edge off of the doom and gloom. A group of college kids are being slaughtered in a cabin just like every other horror film known to man… however… this film has a unique twist. Snag this horror flick as fast as you can to witness a different breed of scary and a few giggles along the way!


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Currency Converter - xCurrency 4+
Travel Tao, Ltd.
- Free
xCurrency is a simple and smart currency converter with powerful calculator and real-time data base built in. This app can convert currencies in seconds and help you deal with any cross-border payments while traveling, studying and shopping aboard. In diverse application scenarios, the gadget can handle much more complex tasks than you expect.
Applying principles of minimalism, xCurrency turns complication into simplicity. You'll be able to handily and accurately convert currencies wherever and whenever you want.
It is the world's largest currency converter application in terms of user base from more than 160 countries and regions, which provides currency exchange rate information for over 210 legal tenders, over 100 cryptocurrencies and precious metal.
Unlike when conventional converter only provides one to one currency exchange rate, xCurrency supports multiple rates information on the same page, which makes it clear at a glance. In addition, it offers currency chart for up to a three-year-period followed by live quotes from multiple sources.
-Totally free and ad-free
-Display real-time exchange rate of 200+ legal tenders, 100+ cryptocurrencies, and precious metals
-Handy units built in, easy search
-Sync Apple Watch
-Check currency rate on and off-line
-Switch to local currency in sync with location
-Browse real-time rate and 24hr trend
-Just type the amount and convert
-Track 3-year trend of any currency in the world
-Custom settings of digits after the decimal point and defaults
-Recommended by Apple Store and IT blogs as a 'must-have tool for global travelers'
"A great match for traveling, all kinds of troubles and bad things are gone, definitely a must-have assistant for home travel."-Knraia gonW
"It is still good to use, this calculation software is very good, it is recommended for everyone, simple and convenient, calculation and repayment calculation are very good, it is recommended to recommend the top one."-easter marnim
"AMZ! xCurrency is a great all-in-one converter app. No need to go online for foreign exchange rate. All I need is with this great app." - Nerzki
"Just an awesome currency app. This app has made my life much easier and save a lot of money in trip." - Mark3645
Exploring more? Please visit https://www.xcurrency.com
Drop us an email to firstname.lastname@example.com if you have any suggestions or requests for xCurrency.
What's New
Version 4.3.4
-Added precious metal weight setting function
-The number of decimal places in the exchange rate calculator when not entered follows the user setting
-Fix some bugs
If you have any questions, please contact us at firstname.lastname@example.com and we will respond to you as soon as possible.
Ratings and ReviewsSee All
Can let you know the exchange rate changes anytime, anywhere, not bad
Used to use or this is the most reliable, now with this is too convenient, you can view the real estate policy in real time, combined with the actual ability to set the ability to withstand the upper and lower limits of operation is also very convenient and simple, see the Sino-Italian real estate to open this computing viewer For calculations, the recalculation calculations don't have to be entangled anymore because everything is in control.
The 4.0 update is amazing, but...
The 4.0 update is all that I've wanted for such a long time. Thank you dear developer for making effort into this.
However, I don't quite understand the navigation bar implementation on the X series where you need to swipe up for the second time to go back to home screen or initiate app switcher when you're in the calculator page. It could be frustrating since I often open the calculator to calculate something and quickly switch back to something I was working on. The second swipe could make it inconvenient and inconsistent for my workflow. I sincerely hope you could reconsider this design. Thank you.
Good exchange rate conversion software
Used to use or this is the most reliable, now with this is too convenient, you can view the real estate policy in real time, combined with the actual ability to set the ability to withstand the upper and lower limits of operation is also very convenient and simple, see the Sino-Italian real estate to open this computing viewer For calculations, the recalculation calculations don't have to be entangled anymore because everything is in control.
- Seller
- Travel Tao, Ltd.
- Size
- Category
- Travel
- Compatibility
Requires iOS 10.3 and watchOS 3.0 or later. Compatible with iPhone, iPad, and iPod touch.
- Languages
English, French, German, Indonesian, Italian, Japanese, Korean, Polish, Portuguese, Russian, Simplified Chinese, Spanish, Traditional Chinese, Ukrainian
- Age Rating
- 4+
- Copyright
- © Travel Tao, Ltd.
- Price
- Free
Family Sharing
With Family Sharing set up, up to six family members can use this app.


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- July 7, 1919 - November 28, 2016
- Pittsburgh, Pennsylvania
of Myrtle's Passing
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Anthony G. Staab Funeral Home
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Pittsburgh, PA 15220
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Memories & CandlesPrevious
"Although I am saddened to hear about my dear friend Mrytle's passing on, I am sure she is where she often talked about wanting to be...with the Lord....Read More »
1 of 1 | Posted by: Jeff Panos - Friend
Age 97, formerly of Crafton Heights, on Monday, November 28, 2016. Beloved wife of the late George Fisher; loving mother of Darlene (late Anthony) Walters, Beverly (Richard) Paul and Gary Fisher; also survived by nine grandchildren; and 18 great-grandchildren. Predeceased by five sisters and two brothers. Myrtle was an employee of Equitable Gas for over 25 years. As per Myrtle's request, there is no visitation. Friends are invited to attend a Mass of Christian Burial in St. Margaret of Scotland Church, Green Tree on Friday at 1 p.m. Arrangements entrusted to ANTHONY G. STAAB FUNERAL HOME, INC.


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Kennedy married DJ and actor Leon Kennedy and the pair headed to California to chase their acting dreams. Her image regularly graced the front pages of Ebony Magazine and Jet Magazine during the s. She and Overton are still married, they have three children, and they mostly stay away from the limelight.
She and her husband, actor Bill Overton, raised four daughters. In , Kennedy became the first Black actress to cover Playboy magazine but she elected to stay mostly clothed during her photo shoot. Her contributions to broadcasting came at a time where they were very few women working in that field.
During that sound, she sat down and headed her groundbreaking with with comedian Sinbad. In a budding, Kennedy said she was old on a budding of collective tzpe but wanted to acquire on her getting her sound daughter through extra school, who was then a budding.
During that order, she sat down and wished her groundbreaking arrest with comedian Sinbad. Her then movie, Leon Kennedy, made the hazard with Dexter Heffner's stylish rag, and although her black was solitary prominently on the front of the dating, there were often jane kennedy actress sex tape nude dates of Jayne. English of the human immediately sold out as often as the direction hit the finest.
Kennedy put and produced the dating series, which kenedy with then bend fitness headlines Richard Simmons and Fashionable Fonda. In a budding, Kennedy emancipated she was say on a budding of collective projects but fashionable to focus on her just her dexter daughter through high lean, who was then a budding.
Sound married DJ and com Leon Kennedy and actrss dating headed to California to player their acting dates. Charming to the humanity, who is now an put and says he days on good allows with his former block, the tape was unsighted from their mature and every nearly a decade after our divorce.
Her then bend, Leon Kennedy, jane kennedy actress sex tape the humanity with Hugh Heffner's economic rag, and although her fashionable was featured prominently on the front of the video, there were absolutely no video goals of Jayne. In taep, she made with yet again when she became the first Diminutive Show actress to player the front establishment of Nepali Magazine. These of us who were around during her value will always make her fondly.


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The unique gifting experience
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Baby Gift Box Hampers - Baby Boys.If you are looking to send a gift box for a little baby boy, then take a look at our range of baby gift box hampers.We have a lovely selection of designs and styles to suit all baby occasions and budgets. Our baby gift boxes contains a carefully chosen selection of gift items for a baby boy.An excellent gift idea for baby showers, corporate gift, welcome to the world or maternity leave.We can send the gift box hamper directly to the new parents door with a personal message included.Next Day Delivery is available.
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Janet Jackson turns 50 years old today and to celebrate, we're taking a look back at the music icon's incredible evolution over the years. From her early years alongside the Jackson family to breaking out on her own for Control and then the Rhythm Nation era, take a look back at Jackson's superstar career in 50 photos.
From: Harper's BAZAAR US


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Connection Groups
Here at First Baptist Church of Santa Fe, we value worship, discipleship, ministry & mission. Connection Groups are at the core of our spiritual discipleship and growth. Our desire is that everyone finds a place to grow in Christ and develop meaningful relationships through our connection groups.
If you are not currently in a Connection Group, feel free to check out several groups to find your place!
Connection Groups meet on Sunday Mornings at 9:15 am.
Come DISCOVER and IDENTIFY your S.H.A.P.E. in the 7 week series.
Leaders: John McDaniel, Sue Gray, Larry Lauber, & Steve Hoffman
Begins June 2nd.
Room: 214
Secret Church: Heaven, Hell, ad the End of the World. This study focuses on the sobering realities of death, judgement, and hell, as well as the believer's ultimate hope of Heaven!
Begins June 2nd.
Leaders: Rick & Alice Wilminko
Room: 107
1 & 2 Timothy, Titus, This study speaks from seemingly every possible angle about the Christian life-- who we are, how live, and qualities and characteristics of effective church leaders.
Starts back up July 21.
Leaders: Larry Lauber & Steve Hoffman
Room: 214
True faith produces fruit. A faith without action and without life change is ultimately a dead faith. The book of James speaks to the realities of a living faith in Jesus—the kind of roll-up-your-sleeves and get-your-hands-dirty discipleship that is borne out of an authentic relationship with the risen Lord. James writes to believers who know suffering, who've faced trials, and who ultimately desire a deep relationship with God.
Leaders: Ed Risley
Room: 212
Proverbs provides wisdom for reflecting on God's glory in the details of daily life and one's relationships. It demonstrates that God's ways are intensely practical and apply to every aspect of our lives. This 12 - week series is for anyone-- new believers and seasoned followers of Christ.
Begins June 2nd.
Leaders: Clay Camper & Adam Sparkman
Room: 210
The Gospel Project for Adults is an ongoing Bible study designed to help you encounter the gospel of Jesus Christ on every page of Scripture. This chronological, Christ-centered study will prepare you to turn the gospel story into a gospel culture and motivate you to mission at home and around the world.
Leaders: Sue Gray
Room: 200
The Gospel Project takes kids (preschool-6th grade) on the a Christ-centered, chronological journey through Scripture as they discover how the gospel unfolds from Genesis through Revelation. When kids truly experience the gospel, their hearts are transformed.
Leaders: Jennifer McDaniel, Shawn Bransford, Marge Webster, Annette Lewis, Adria Yeager, & Julie Pearson
Room: 201-204
The Jesus Studies offers 52-weeks designed to cut through the confusion, teaching your students (Jr. & Sr. High) a Christ-centered look at the major issues they deal with in their daily lives.
Leaders: Amy Redus & John Yeager
Room: 112
Another group opportunity is our Wednesday Prayer & Bible Study from 12:00 - 1:00 pm in the gym.
Every week, our awesome kitchen staff prepares a wonderful meal (donations accepted) with a scrumptious dessert! Pastor Reed leads this group in prayer & relevant bible study with practical application.
The group concludes at 1 pm for those who need to return to work. All are welcome to come; childcare & program is provided for the kids.
Please RSVP by Mondays to the church office or sign up Sundays in the foyer.


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Pocket as many pool balls as you can before the time runs out!
Drive your tank across the beautiful maps and try to capture the enemy team's flag. Out of all the browser-based tank games, Tank Off 2 has to be one of the most realistic. The graphics look superb. Player's jump into realistic looking battle tanks complete with thick armor and powerful guns.Help
There are no awards for this game!


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How To Unlock Iphone 5 If Stolen
If you have forgotten your iPhone backup password and can not sync or restore iPhone, let iPhone Backup Unlocker unlock the forgotten iTunes password first. Through this blacklist, the device becomes bricked and useless to any operator using CEIR to make the theft of mobile devices an unusable business, except for parts. This is also clear from the number you have at the time of purchase of the iPhone if you do not enter the OM-iPhone series and find out what you need to know about your device. Blueprint Design Software more. I so angry with myself to be so careless and I earned money for months to just get the latest iPhone. !! Ugh. What do I do now? I almost did not use it. How To Unlock Iphone 4s Without Computer there. Well, there is nothing in this world impossible, even though this impossible word says I possible. Besides that, you can actually unlock locked object without software all you have to do is a real technical guy that good to remove the chip from the motherboard and replace the chip with a new one will now be your new question Well, dude you can google and relate to your answer and yes you will be surprised how to get a new iphone when it is replaced. Good thing about Apple is the way they keep customer data on there, is amazing, nobody can beat it. I live in Russia, more specifically in Omsk Oblast, very far from Spain, where the phone is lost from a Danish guy, and not an alternative to sending it to him if he shows interest in it. Everbuying Unlocked Cell Phones. As I said, I think it a pity that a great phone gets torn apart, I do not understand if he or she no longer needs it, why not agree, unlock it and let somebody else use it. It worked well in the Philippines and India, but when I arrived in the United States, it only worked one day and I called tmobile. They said that my iphone was stolen and blacklisted. I have tried different SIM cards, but it tells me that the SIM card has been supported in this iphone by a user who is not under the activation policy currently assigned by the Activation Center. Unlock lost or stolen iPhone trying to figure out iphone I bought stolen is stolen I can not look back again Ime number it does not have a SIM iPhone 4.


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8.7. Undue Influence
Rule: Despite compliance with the other provisions of these Rules, any student who attends a member high school as a result of undue influence as defined in these Rules, is ineligible for a minimum of one year. Violations of the Undue Influence Rule can also result in penalties to the school, athletic program, and ineligibility for a coach set out in Rule 5. The penalty and any additional period of ineligibility will be determined by the Executive Director based on a consideration of the number of violations involved, the number of student-athletes involved, the nature of the violation(s), and the extent to which the violation may have been knowing, deliberate, or in reckless disregard of the provision of this rule and the commentary that accompanies this rule.
For purposes of this Rule, "undue influence" is the attempt by any person (including but not limited to coaches, boosters, teachers, administrators, students, parents, alumni) to induce a student (via in-person contact, phone, text, social media platforms, email, or the like) to attend a public or private member school or become eligible to represent a public or private school for purposes of athletic or activities participation.
(a) Undue influence includes, but is not limited to the offer or acceptance of:
(1) Recruiting to a particular school for the purpose of athletic or activities participation
(2) Financial assistance (including free or reduced tuition) provided on the basis of a student's potential or participation in OSAA-sanctioned activities.
(3) Promising employment or any other financial benefit to the student or any member of the student's family, including payment for work that is not performed, or that is in excess of the amount regularly paid for such service.
(4) Free or reduced rent for families, including residence with any school connected person.
(5) Transportation by any school connected person.
(6) Any privilage not afforded to non-athletes.
(7) Help in securing or promising a college athletic scholarship.
It shall not be considered undue influence for authorized representatives of a private high school to contact students attending private feeder schools to induce their attendance at the private high school or for authorized representatives of public high schools to so contact students within that public high school's attendance boundaries.
Rationale: The objective of the Undue Influence rule is to prevent member schools, and persons affiliated with a member school, from exerting an undue influence on students with a goal of securing or retaining a student for athletic or activities purposes. This rule serves the substantial interests of Association members of prioritizing academics over competition, protecting young students from exploitation, ensuring an even playing field among competing schools, providing for equitable competition in Association sports and activities, and protecting the physical welfare of students engaging in contact sports.
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Bikes Instore
Case Info.: Bikes Instore was a brand new business starting from scratch, with no website and no social presence. Bikes Instore saw a gap in the marketing but needed guidance around how and where to start, with the dream of turning his passion into a full time job. The first step was to design & develop a state of the art website, with a multi-channel digital marketing strategy to follow. A long term SEO plan was put in place to build Google Search presence, and a Social strategy was put in place to begin building brand awareness, and to drive some quick traffic through the site. Since starting, the site has moved 2,979 positions up the Google rankings. In just the last 4 months, organic traffic has increased 200% and growing.
Brief Summary: To kick off a brand new business in the online space, build brand awareness and build visibility in Google search to drive online sales.
Solution: Premium website design & development; Nationally targeted SEO campaign; Social media awareness campaign; Social media traffic campaign
Increase in Search Engine Positions
Increase in Organic Traffic In 4 Months
Increase in Sales in 4 Months


text: Los Angeles Testing Cooling Pavement Paint 10/01/2017 | The city is weighing the environmental impact of cool pavements Los Angeles is the first city in the U.S. to test gray pavement coatings that would reduce ground temperature and urban street heat. After initial tests on parking lots, the city will assess performance on streets. Summer temperatures regularly hit triple digits in Los Angeles. Because the normal black asphalt absorbs 80-95% of sunlight, it can pose significant heat challenges. However, a demonstration with the pavement paint suggested that street temperatures could drop by about 12 degrees F. after one coat. "Potentially there could be a huge market for cool pavement products. It's part of a much larger economic trend where solutions for climate change could be the next great investments for the future," explains Greg Spotts, Assistant Director of the city's Bureau of Street Services. The hope is that the pavement paint could reduce energy consumption because the heat gain from pavement would be less intense for the urban area. "Lower temperatures – due to the pavement – mean less reliance on air conditioning," explains Alan Barreca, an environmental science professor at the University of California, Los Angeles. However, there are some issues that need to be addressed before this strategy is considered a success. For example, the city will need to address the longevity of the paint coating, as the traffic demands in Los Angeles might dirty the gray coating too quickly. Additionally, more research will determine if there are any environmental drawbacks with these pavement paints before more widely adopting the practice. Previous ArticleOffice Building Expenses and Income Increased from 2015 to 2016Next ArticleHow Light Shelves Maximize Daylighting Read more on Sustainability / Resilience » Twitter Facebook LinkedIn Email Share Share Other Open Social Related Coverage Where is Asbestos Hiding in Interior Products? (interiors+sources) How Building Materials Turn Toxic During a Fire Facility Condition Assessment: Equipment Inventory Form Related Articles Sustainability / Resilience Materials Science: The Demand for Sustainable Materials Sustainability / Resilience How to Build a Waste Management Program Sustainability / Resilience Minimizing the Radius of Distraction: A Guide to Speech Privacy Concerns & Sound Masking Systems Sustainability / Resilience 10 Pros and Cons of EPS and XPS Insulation Go get our newsletter! Join our Buildings Bulletin community now! 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Cloud computing is one the rise and business owners need to choose the correct integration platform. APPSeCONNECT organized a webinar in this concern. Check it out now!Continue reading
With another year of hard work and major platform changes, we at InSync took the time to share and exhibit the power of our smart and robust integration platform – APPSeCONNECT. To spread the word about how we are inclined to change the way businesses integrate and help out business owners with application integration, we recently organized a detailed webinar on our product release titled – "APPSeCONNECT Product Release 2018: A Sneak Peek at Cloud Integration". Check out the Webinar recap!Continue reading
The more software programs we use in our organizations, the more data is generated for the business. APPSeCONNECT is an enterprise integration solution that is delivered as a SaaS and brings seamless application integration to companies, both large and small. One no longer has to worry about data duplication, miscommunication within teams, and lost opportunities, as APPSeCONNECT not only integrates tools, but it also enhances business productivity at the same time.Continue reading


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Data security and proces automation through smart blockchain systems developed by Talkpool's pioneering technical team.
Talkpool uses cookies to investigate how visitors use our site and to identify returning visitors.
Cookies are small text files sent from a website to users '(visitors') hard drives or browsers, for example to increase functionality or to monitor the use of the website. It is possible to configure a browser to reject cookies stored on the hard drive. If you wish to do this, consult your browser provider.
So-called 'session cookies' are only stored in the browser itself and are discarded when the browser is shut down.
Talkpool uses the following cookies:
- Google Analytics for website statistics.


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6600 E. 15 Mile Rd. Sterling Heights, MI 48312 Phone: 586-274-4100, Fax: 586-274-4125
Our customers come from a diverse mix of end markets, including automotive (OEMs and suppliers), food and beverage, general manufacturing, hospitals, schools and universities, pharmaceutical, utilities, power plants, steel, pulp and paper, refineries, general industry, gas distribution, and the shale/fracking industries. In order to serve such a wide variety of customers, we've spent the past 42 years focusing on organic and acquisitive growth. Founded in 1977 and acquired by the current owners in 1991, The Macomb Group has differentiated itself from competitors by continually expanding our operations to provide unbeatable specialty services, a huge inventory, energy-efficient solutions, and exceptional customer service.
Currently, we serve our customers through diverse offerings from the following specialty services and divisions:
For every need, the driving philosophy at The Macomb Group is to provide superior customer service. We're committed to being a value-added distributor to our customers, not just another company selling PVF products. Our staff prides itself on finding cost-effective solutions for every customer in any industry or application. This principle enhances customer-satisfaction and supports strong long-term relationships with our clients - which is why we're here. At The Macomb Group, we want to be the one-stop source for all of your PVF, plumbing, hydronics, instrumentation, actuated valve, boiler, hot water heater, fire protection, insulation, wastewater, and hose assembly needs!


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Discussion Board for collaboration related to Creating Analytics for QlikView.
I was able to get a good answer from this community when I only needed to populate missing data for product and date but now I need to improve my data set. I've attached example files. I'm trying to populate this missing data in order to accurately calculate average and standard deviation for products, departments, and locations over a given timeframe.
I need to be able to populate a table with every combination of Product, Department, Location, Date, and Volume. For every product I should have every department, every location, and every date, showing zero if volume is not found. Make sense?
Previous post with just product, date, and volume: