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Grace Easy Electric Bike On Its Way!
We are - once again - pleased to know that the Grace Easy (electric bike) is (once again) on its way to the United States where your favorite e-bike store (Eruptcycles / Suburbanbikes / Motostrano) will retail said e-bike to discriminating e-bikers of the western states in search of the more refined electric bike known as the Grace Easy.
Grace attempted to hit the US market early 2013 and missed that. No biggy. Since then Grace has hooked up with the Canadian company BionX to piggy back on their marketing and distribution. Biggy.
Eruptcycles is busy building a nest for the Grace bikes to incubate in once they make it stateside and we have a handful of customers all ready lined up to purchase this one.
In the Grace, clients see a more refined, lighter weight option that is not fostered in other bikes on the market place. Besides, it's a Grace.


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|justin = { main feed , music , code , askjf , pubkey };
Ask Justin Frankel
No reasonable question unanswered since 2009!
Suggested topics: programming, music, sleep, coffee, etc.
Note: please do not ask questions about REAPER features, bugs or scheduling, use the forums instead.
Question: Do you have morning rituals? (if yes, can you name some?)
Asked by Georgy (172.250.71.x) on June 11 2018, 12:35am
Reply on June 11 2018, 1:00am:

subset: commoncrawl


text:
SOURCE: The Hertz Corporation
October 01, 2010 16:18 ET
PARK RIDGE, NJ--(Marketwire - October 1, 2010) - Hertz Global Holdings, Inc. (NYSE: HTZ)
The Hertz Corporation, a subsidiary of Hertz Global Holdings, Inc. (NYSE: HTZ), is the world's largest general use car rental brand, operating from approximately 8,300 locations in 146 countries worldwide. Hertz is the number one airport car rental brand in the U.S. and at 81 major airports in Europe, operating both corporate and licensee locations in cities and airports in North America, Europe, Latin America, Australia and New Zealand. In addition, the Company has licensee locations in cities and airports in Africa, Asia, and the Middle East. Product and service initiatives such as Hertz #1 Club Gold®, NeverLost® customized, onboard navigation systems, SIRIUS XM Satellite Radio, and unique cars and SUVs offered through the Company's Prestige, Fun and Green Collections, set Hertz apart from the competition. Hertz also operates Connect by Hertz global car sharing in Berlin, London, Madrid, New York City and Paris. And, Hertz operates one of the world's largest equipment rental businesses, Hertz Equipment Rental Corporation, offering a diverse line of equipment, including tools and supplies, as well as new and used equipment for sale, to customers ranging from major industrial companies to local contractors and consumers from approximately 325 branches in the United States, Canada, China, France and Spain.
To make car rental reservations or for more information, customers can call their travel agent, or call Hertz toll-free at 1-800-654-3131. Information and reservations are also available on the web at www.hertz.com. For information on Hertz Equipment Rental, visit the company on the web at www.hertzequip.com.
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Writing Algebraic Equations
As the leaves are heard rustling outside in the breezy air, in our house the only thing you can hear is laughter and loads of merriment reverberating themselves throughout the walls. The minute that you walk in the house, different aromas saturate the air and enter your nose. Smells ranging from green bean casserole, homemade breads, and fresh cranberries quickly pass through your nasal passages, but the prevailing smells are all of the fresh, homemade pies. Struggling to keep your mind off of the wonderful dishes prepared, you look around the room and see all the moms hard at work as the rest of the family is hunkered down in the living room.
The television is on but no one is really paying attention, most everyone is either enjoying some games or chatting about miscellaneous things. All the young ones are either downstairs playing or giggling as they chase each other all over the house. Despite all the commotion going on, everyone's minds are focused on something other than what they are doing. This diversion that I speak of is the deep fried turkey being cooked up by my dad, the poultry professional.
Since I can remember, I do not recall the last time that we had an oven-baked turkey or a ham. For Thanksgiving and Christmas, we always do a deep fried turkey because it is a family favorite. First off, my dad injects the bird with all the perfect sauces and spices. Next, he places the turkey in the deep fryer which contains a peanut oil heated to a couple of hundred degrees. He then places the lid on top of it and lets it cook the inside of the bird and crisp the edges a little bit. As it cooks, everybody comes out to look at the treasure being created in the driveway. Finally, it gets a beautiful brown edge and it's time to take inside. As he walks in with the turkey on the tray, everyone gathers around in the kitchen and watches as if he were walking the red carpet carrying a precious diamond.
Alas, he has the bird carved and...
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For the first time in history the Thai women's volleyball team have beaten Brazil in the 2017 World Grand Prix tournament group game on Saturday.
The Thai women won in a stunning 3-0 victory against the 11-time champions in Sendai, Japan.
The scores for the three sets were 25-22, 25-21 and 29-27 in the final set.
Ajcharaporn Kongyot Thailand's top scorer in the game with 18 points said "I'm really happy with the win today, it was such a tough match and we tried to avoid making any mistakes."
Brazilian captain Natalia Pereira praised the Thai team's performance and said "I want to say Thailand played wonderful volleyball today."
Sadly the Thai ladies could not capitalise on the momentum from winning against the 11 time champions and lost to Serbia the world's no 3 seeds 3-1 yesterday.
Currently sitting in 10th in their group they will next play the Dominican Republic on the 21st July.
Source : ThaiPBS
Content : LovePattayaThailand


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While it will depend upon which type of board you are using there are a vast number of non-detachable and detachable surfboard fins on the market offering a number of styles and uses for different waves. The two main types are permanent glass fins and removable fins, in a range of depths and sizes. These fins allow your board to 'grip' the waves and ensure that you get the most out of the experience.
Surfboard fins
your personal guide to Surfing in the UK.


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The Hope Group owns and operates nine Parker Stores at its branch locations in New England providing "while you wait" replacement of hose assemblies and immediate on-hand access to 3,000 Parker hose, fittings and adapters.
We offer tips to our customers that keep their businesses running. Read our best advice on our blog.
Engineered Systems
Markets Served
Business Solutions
The Hope Group assists its customers serving the Life Sciences market by providing the components that meet special requirements for safety and quality. Our knowledge regarding FDA, USP Class VI, and NSF standards enables our sales staff to help engineers and buyers select the right products for their applications in the following:
In partnership with Parker, we have expanded our capabilities for motion control and fluidic system and component solutions in Life Sciences.
Anti-microbial polymers such as EPDM, NBR, VMQ and FKM are manufactured to FDA, USP Class VI, ISO 10993 and 3-A Sanitary Standards. Parker's technically advanced sealing devices provide superior sealability, alignment, and material traceability.
The Hope Group proudly represents Parker, Dixon Sanitary, HAM-LET, and specialty hose and tubing from
Tex-Loc, Page, and Hose Master.
There are many applications that we have provided solutions for including:
Our primary focus has been the OEM looking for innovation and engineering expertise to help reduce the cost of doing business. Solutions offered include:
Our in-house engineering staff and our 60,000 square foot ISO 9001:2015 certified manufacturing facility provides our customers with access to the latest technologies to meet their needs. Our team can provide:
When a medical instrument manufacturer is ready to bring a new product to market, in partnership with Parker, we can provide complete assemblies including manifold, valves, electronics, wiring, tubing, fittings, seals, filters and regulators. Other product manufacturers can look to us for precision positioning systems with integral servomotors, drives, and controllers; as well as motion control assemblies and structural aluminum framing and guards. It is our expanding expertise in all aspects of the modern manufacturing environment that makes The Hope Group ideally positioned to meet the needs of the Life Science manufacturer. Our expertise in Fluid Connectors, Seals, Pneumatic Automation, Process Control Filtration, Instrumentation and engineered solutions makes us an ideal partner for Life Science manufacturers.
The Hope Group
70 Bearfoot Road
Northborough, MA 01532
Phone: 508-393-7660
Conditions of Sale
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Our Mission
© 2018, The Hope Group.
All rights reserved


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Sunday, October 30, 2005
Saturday, October 29, 2005
First days progress
Today was the actual first build day. I woke up pretty excited to get er going, and I bounced into the garage with a smile on my face. I soon realized I didn't have the right tools. Well there is only one way to fix that, go buy some!! (see below post)
Soooooooo, today I accomplished:
Engine in
Tranny in
Swingarm on
Triple trees on
Not a bad start. Tomorrow I am going to toy with the primary, and than think about fishing. I almost feel like I am cheating on a lover here, my drift boat sits in the rain, saying HEY, we have been waiting for the rain, let's go.
I am going to see if I can come up with a back drop for my pictures, that looks like crap.
Little steps
Chopper Sean came over today to lend a hand. I tried to get the heavy stuff done while he was here. We got the motor and tranny in, and a little work done on the swing arm. The swing arm has proved to be a challenge thus far. More research is needed.
Sean decided he like small gas tanks a little better, so he mocked up the bike with whatever he could find. This way I can vacuum while I ride, sweet!
They don't give that stuff away!
So a quick trip to Sears and a check of xxx.xx (x's are there to not protect the innocent, but me from anyone saying "you paid how much?") has restored my confidence. I broke down and bought a lift. I figured I would need it for the whole build and servicing it down the road.
It actually looks pretty good up there. HAHA. A couple of the other tools I bought allowed me to do in 5 minutes what I was struggling with for the last 2 days. I am going to go out and make some serious progress while I wait for Sean to get over here and help me put that engine in.
Progress? Not really
The last couple days have been null for progress. Basically I found out that I need some more tools (nothing wrong with that right!) and a lift. I am headed to Sears in a couple minutes with a list. I hope to pick up that video from the guy as well today. I want to get this thing done quickly, but I also want to take my time and do it right. Soooo......this blog may end up longer than I had planned! Stay tuned.
Thursday, October 27, 2005
Todays lesson
I learned today that I don't know anything about putting together a motorcycle. The kit I got was one of the few that didn't include the "how to" dvd. How does this stuff always happen to me? I went ahead, and from some schematics in a Harley manual, put together the swing arm and rear suspension. I am confident that I have it on correctly, but when I tried to install the tranny, the bolts hit the shocks. So I took the damn thing apart and I will now wait for a video to guide me. I am pretty sure tomorrow I will be able to borrow the one my friend used.
Praying and keeping fingers crossed......
First things first
Well you gotta start with the basics I guess. The frame is well, the framework for any motorcycle. Mine is made by Big Bear Choppers in, yep, you guessed it Big Bear Lake California. As you can see in the picture the frame is raw metal. I am going to have it powder coated for the final assembly, but I havn't decided on a color yet. I am leaning towards a matte black and tan finish. But I won't know until the mock up is done and I can sit there and meditate on it.
The motor is a Revtech 100 CI, or 1600 cc for you metric people. It should generate somewhere in the neighborhood of 110 horse power. I think that is more than my VW Beetles used to crank out.
Shiny and pretty, this beast wants to hit the road.
My plan tonight is to get everything unpacked and lay it out on the table. Take an inventory and watch the first part of the video to see what "step one" is. I don't wanna go to work I am so excited, geez.
Wednesday, October 26, 2005
And it begins.
I am going to spend the next couple of months putting together the motorcycle of my dreams. I am planning on chronicling it here with stories and photos.
Here is the garage space before the boxes arrive.
And here it is after the boxes and sheet metal arrived.
I am truly looking forward to building this machine, and riding it.
Please check back often for progress, I hope to make some soon.
Beyond that!
Now I am beyond that. I just got back from handing a guy the biggest check I have ever held in my sweaty little meat hooks. He said it is all clear and I can pick my "boxes" up tonight. Pictures to follow! Here we go.
Monday, October 24, 2005
Pump the dump!!
Man am I getting pumped. I talked to the guy who has my motorcycle today, and things are progressing. I think I will be able to pick it up on Wednesday. I got the garage cleared and ready to go this past weekend. Man am I pumped!!!
Saturday, October 22, 2005
Weekend wind down
The week at work flew by nicely and now I am on call for the weekend. Not being able to go fishing is a bit of a bummer, but I do get things done around here because of it.
I hope to pick up the parts to start working on the bike this week.
PS I am never drinking again.
Tuesday, October 18, 2005
Day off, not a whole going on. I installed a new wash down pump in the sled. Sent off the paper work for my new motorcycle. (the building of which you are going to see chronicled here on this blog) Brined some salmon for the smoker. Got a new cell phone. Pretty much busy work. Who knew life could be so relaxing.
Friday, October 14, 2005
Oh snap......
First of all, I am an attention whore. I need people to be looking at me and saying wow, that guy is cool. The rods kinda did that for me, but not enough. So I made my boat yellow. That works good. I went from 0 - 60 with an arm full of ink. That works good. I am going to build a bike that turns heads. That should work good.
Second, my mistakes. I should never have gotten married at 20 years old. I should never had a baby at 22 years old. I should have went to college. I should have not stopped working out at 25. There are probably more, but those are the ones that bug me the most.
Now I am not saying that those first two ruined my life, but I am saying they sent me down a life path that I am now wishing was different. I love my ladies, and will protect and provide for them as long as I can. I will be with them forever, it is too expensive not to be.
I wish I had done other things with my life, and now I am steering my current life in a direction that is going to make me happy. Maybe I will die on that motorcycle, maybe I will die when the next elk comes flying through my truck window. Maybe I will die the next time I take my sled out to Bouy 10. Maybe I will die the next time I run across the road. I don't wanna live my whole life worried about an untimely death, that's not living, that is life waiting for death.
I don't like looking deep into myself, there are things in there that I have always been told were bad and sinful. They must stay there, at least for now.
Saturday, October 08, 2005
An old trick, but one of my favorites
It is my 4 day weekend, I decided to do something completely out of the ordinary and go fishing. Tillamook it was, and I have now come to the point where if I am not towing a boat I take the VW Jetta to save on gas. I mean crap, it is still 3.10 for a gallon of diesel.
Anyhow, I was cruising over there this morning, had the music blasting and sailing along at a nice 60 MPH. Off in the distance, behind me, I see some headlights. It is pitch black out there cuz it's 0500 and all I see are these lights, coming up on me pretty quick. I continue on, and sure enough this pickup truck gets right on my butt. I mean right on my butt. He is less than a car length from my rear bumper. I shrug it off and flip the little switch on the rear view mirror so as to not have to squint at 5 in the morning. He doesn't give up. Twice I pull over so I have the white line going right down the center of my car, he does not pass. I slow down on the passing striped sections, he does not pass. Whats up this guys ass?
Whatever right? Than there it is, one of my favorites. I see a big road kill up ahead. So I ever so slightly veer towards it, as if I am going to center punch the thing with my car. He drafts in right behind me, SWEET!!!!!!!!!! At the last second, I drift to the left, missing the smashed coyote carcass by what must have been 6 inches. I look in the mirror.....................BAM! I see the carcass fly up and in front of his headlights. LOL HAHAHAHA, he swerves back and forth on the road a bit, I hope it went over the hood! He pulls over to the side and I speed off into the darkness. I didn't have another tailgater the whole trip.
On the way home, I saw the carcass off to the side of the road, you couldn't even tell what it was.
Tailgate me.......have some of that!!!!!
Thursday, October 06, 2005
Monday, October 03, 2005
Site test
I recently was asked to build a web page for someone who is starting up a fishing guide business. Being on call this last weekend kept me at home, so I bang it out for him. Now ALL the text that you will see on the page is just canned made up stuff, and would be changed to the actual information when the site goes live. But for now, take a look and let me know what you think by leaving me a comment in the comments section. Thanks all!
DC Guide Service, test site


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There's been tremendous debate about whether NFC (near field communication) will play a role in the future of mobile payments, or whether it will slowly fade into the sunset, while other technologies such as cloud-based payments dominate. Payments industry consultant, Todd Ablowitz, president of Double Diamond Group, weighs in on the NFC vs cloud debate.
The Future of Mobile Payments, Does it Include NFC, or Will the Cloud Dominate?
Feb 5, 2013 | Mobile Payments, Videos | 0 comments


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The content visible on this site, everything including text, logos, images, graphics, software, and animations, is the intellectual property of the company. The names of our brand and its associated services utilised on our sites are the trademark property of the respective holding organisations. As such, they cannot be utilised in any capacity that is not part of this company.
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Thursday, June 5, 2008
BJ Stats
Blackjack is the name of the game for all the casino players nowadays. There are thousands of blackjack websites which are there in the internet. All these thousands of websites help the users to provide them with an opportunity to play the online blackjack game. But all the services cannot be made use of and the users have to select the service which will suit them the best. So for this purpose they need to go through the statistics which are available in the internet to know more on blackjack and also to choose which services will the best suitable one for them. The Blackjack Stats at bjstats.com proves to have the entire stats on blackjack with nearly twenty thousand charts and tables related to the Blackjack Online Casinos and also to help the users to know more on the game of blackjack. The charts are also designed in such a way so as to answer the mostly frequently asked questions in the game. The site also offers a feature called blackjack card counting and that teaches the readers on the methods of gaining the advantage back from the house. So, if you are searching for a site with comprehensive Online Blackjack resource then this is the site that you will have to visit. So visit the site right away.visit http://www.bjstats.com/online-casinos.html
Posted by RuReady at 7:51 PM
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Creates a view in a database. The view is not physically materialized; the query that defines the view is run every time the view is referenced in a query. To create a view with an external table, include the WITH NO SCHEMA BINDING clause.
To create a standard view, you need access to the underlying tables. To query a standard view, you need select privileges for the view itself, but you don't need select privileges for the underlying tables. To query a late binding view, you need select privileges for the late binding view itself. You should also make sure the owner of the late binding view has select privileges to the referenced objects (tables, views, or user-defined functions). For more information on Late Binding Views see, Usage Notes.
CREATE [ OR REPLACE ] VIEW name [ ( column_name [, ...] ) ] AS query [ WITH NO SCHEMA BINDING ]
If a view of the same name already exists, the view is replaced. You can only replace a view with a new query that generates the identical set of columns, using the same column names and data types. CREATE OR REPLACE VIEW locks the view for reads and writes until the operation completes.
- name
The name of the view. If a schema name is given (such as
myschema.myview) the view is created using the specified schema. Otherwise, the view is created in the current schema. The view name must be different from the name of any other view or table in the same schema.
If you specify a view name that begins with '# ', the view will be created as a temporary view that is visible only in the current session.
For more information about valid names, see Names and Identifiers. You can't create tables or views in the system databases template0, template1, and padb_harvest.
- column_name
Optional list of names to be used for the columns in the view. If no column names are given, the column names are derived from the query. The maximum number of columns you can define in a single view is 1,600.
- query
A query (in the form of a SELECT statement) that evaluates to a table. This table defines the columns and rows in the view.
Clause that specifies that the view is not bound to the underlying database objects, such as tables and user-defined functions. As a result, there is no dependency between the view and the objects it references. You can create a view even if the referenced objects don't exist. Because there is no dependency, you can drop or alter a referenced object without affecting the view. Amazon Redshift doesn't check for dependencies until the view is queried. To view details about late binding views, run the PG_GET_LATE_BINDING_VIEW_COLS function.
When you include the WITH NO SCHEMA BINDING clause, tables and views referenced in the SELECT statement must be qualified with a schema name. The schema must exist when the view is created, even if the referenced table doesn't exist. For example, the following statement returns an error.
create view myevent as select eventname from event with no schema binding;
The following statement executes successfully.
create view myevent as select eventname from public.event with no schema binding;
You can't update, insert into, or delete from a view.
Usage Notes
Late-Binding Views
A late-binding view doesn't check the underlying database objects, such as tables and other views, until the view is queried. As a result, you can alter or drop the underlying objects without dropping and recreating the view. If you drop underlying objects, queries to the late-binding view will fail. If the query to the late-binding view references columns in the underlying object that are not present, the query will fail.
If you drop and then re-create a late-binding view's underlying table or view, the new object is created with default access permissions. You might need to grant permissions to the underling objects for users who will query the view.
To create a late-binding view, include the WITH NO SCHEMA BINDING clause. The following example creates a view with no schema binding.
create view event_vw as select * from public.event with no schema binding; select * from event_vw limit 1; eventid | venueid | catid | dateid | eventname | starttime --------+---------+-------+--------+---------------+-------------------- 2 | 306 | 8 | 2114 | Boris Godunov | 2008-10-15 20:00:00
The following example shows that you can alter an underlying table without recreating the view.
alter table event rename column eventname to title; select * from event_vw limit 1; eventid | venueid | catid | dateid | title | starttime --------+---------+-------+--------+---------------+-------------------- 2 | 306 | 8 | 2114 | Boris Godunov | 2008-10-15 20:00:00
You can reference Amazon Redshift Spectrum external tables only in a late-binding
view. One
application of late-binding views is to query both Amazon Redshift and Redshift Spectrum
For example, you can use the UNLOAD
command to archive older data to Amazon S3. Then, create a Redshift Spectrum external
table that references the data on Amazon S3 and create a view that queries both tables.
The following example uses a UNION ALL clause to join the Amazon Redshift
table and the Redshift Spectrum
SPECTRUM.SALES table.
create view sales_vw as select * from public.sales union all select * from spectrum.sales with no schema binding;
For more information about creating Redshift Spectrum external tables, including
SPECTRUM.SALES table, see Getting Started with Amazon Redshift
The following command creates a view called myevent from a table called EVENT.
create view myevent as select eventname from event where eventname = 'LeAnn Rimes';
The following command creates a view called myuser from a table called USERS.
create view myuser as select lastname from users;
The following example creates a view with no schema binding.
create view myevent as select eventname from public.event with no schema binding;


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23 Tips and Trick XBOX One Users
|XBOX One Tips & Trick
We know Xbox One is a sophisticated and popular gaming device of its users, released on November 22, 2013 for Europe, Australia and America and in September 2014 for Japan and China. Although it has entered the fourth year of XBOX but they proven to compete strongly with Playstation 4. And at this time gamenews.biz will discuss tips and tricks for XBOX ONE users to know some hidden features.
You can Pin Your Favorite App and Games
|XBOX One Pin
Probably many people who already know about this feature but it never hurts to remind again to people who just read these tips, XBOX One has a feature "PIN" that is useful to place your favorite applications or games to XBOX One Home Screen.
How to PIN:
- Highlight your game or app
- Press the menu button
- And Select Pin to home
Easily Screenshot or Record your favorite scene and gameplay
|XBOX One Screenshot
Believe it or not there are still many users who do not know how to take your gameplay screenshot from xbox one directly, indeed at the beginning of the release of xbox one has not set up this feature, but this feature was present in March 2015 ago.
How to take a Screenshot or Record video?
- When in your gameplay, press the XBOX button twice
- Press Y to save your screenshot / Press X to save your video
If you have Xbox Kinect or Headset
- Simply say " take screenshot! " / Say " Record that! "
Really save your time and simple, please be noted XBOX can't take a screenshot if you not in your gameplay.
Talk to Cortana
|XBOX One's Cortana
The Cortana feature is the same sound system command as Windows 10 uses, If you have Kinect or Headset, you can simply call "Hey, Cortana" you can give various commands like, turn off xbox, turn on games or apps, take screenshots or Video, do a search through browsing. This feature is useful if you're the type of person who wants everything done quickly.
You can favorite your gaming friends
|Favorite Your Friend List
You can choose your gaming friends to prioritize on your list.
How to manage your friend list?
- Select their gamer tag
- Choose and change "Friendship" and tick the "Favorites" box
There you will get a notification you friend is online or is doing broadcasting. If you are looking for new friends on your XBOX One, xbox has a feature to suggest your friends via facebook, that's where you'll find new friends using xbox as well.
Accelerate Your New Game Installation
|XBOX One Shortcut
If you do not know this yet, lucky if you're reading it here, yes you can speed up the installation on your new game, but how?
How to Speed Up Your Installation:
- Try to disconnect your XBOX Live, You can try to disconnect it by remove your Ethernet cable from XBOX or simply just logout your XBOX live.
- Just install your game as normal and reconnect your connection again.
You also can pre-load the game before their release so it can eliminate installation time, it's a best way to save your time as well.
Designate XBOX One's Home Screen
|Personalize XBOX Home Screen
To designate your home screen is quite easy, just follow the steps: Select Settings > All Settings > Personalize and choose My XBOX Home. There you can do the design according to your taste.
Disable Auto-Play after you inserted the Disc
|XBOX One Auto Play Disc
Automatically XBOX will launch your game after you insert the blu-ray disc game you want to play. You can choose to delay and disable the auto-play but of course if you want to play you have to turn it on manually.
How to disable Auto-Play Disc?
Go to settings, and choose Disc & Blu-Ray and uncheck the boxes " Play Disc Automatic " or " Resume Playback ".
Next >>
You may also want to read:
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#4 Hook
Welcome, Sign Out
Little Joe® Floating Worm Harness offers a neutral buoyancy presentation which keeps your crawler off the bottom and up in the strike zone. Complete with high visibility floats and the finest components to make this the ultimate floating crawler harness. #3 Indiana blade. 36'' leader.


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St Augustine, Florida
Ancient City Inn B&B in St. Augustine Florida
Private séances and psychic readings available
Rev. Carri Donnan was born and raised in a spiritualist household. Her ancestry goes back to the Swedish mystic Emanuel Swedenborg. Because of her many years of experience and strong connection with the higher vibrational energies that allow clear, pure communication from the spirit side of life. She and husband William are now offering an opportunity for you to have your own personal circle of LOVE séance. This circle is meant to communicate with spiritual energies in other dimensions. It many come in many forms. Spirit often shows itself thru small glowing light, a familiar smell, taste or even a light loving touch my be felt while in circle. There may be messages conveyed from the other side of life. These messages may come in many different ways thru several different tools. These tools include talking boards and tipping tables, spirit photos or dowsing tools may all be used by spirit The agenda of your personal circle of love, goes as follows.
We will gather in a small safe, comfortable and relaxing chapel area. The room is candle lite or often red light is used for a somewhat darkened room. This is to create the best possible environment to reach beyond the veil. The session begins with Rev. Carri or Rev. Will saying a prayer for God's love and light to come surround us. Then there will be a short meditation asking only the highest and best come merge their energies into the circle with us. Angels, Spirit guides and teachers may bring loved ones to communicate with you. They can make their presents known in many ways. A substance called ectoplasm is drawn from the mediums and sitter that are present for those on the other side of life to use to make phenomena occur. Ectoplasm often appears as a mist or a gauze like substance that spirit can create materialization. As with all spirit contact and psychic phenomena, there is no guarantee as to what form spirit communication will take. The only thing that we know for sure is that it will be of a positive manner and meant to help reconnect with the other side of life, beyond the veil. Come with an open mind and a heart filled with love and we will have a beautiful spiritual experience. God is GREAT. Expect the unexpected and know that it will all be good.
This circle of love is meant to bring emotional, spiritual, and physical healing to those who request it. A feeling of peace of mind and over all well being is the most common result of sitting like this There are certain guidelines that you will be asked to follow. Often bringing an object owned by the loved one will encourage their energy to come closer. Bringing bottled water is recommended The doors open at 7:00 p.m. Circle begins at 7:15 p.m. circles will last until the energy withdraws, usually 1 to 1 1/2 hours. Once the circle starts, you should remain inside the Chapel until the circle is closed when a closing prayer is said.
While visiting St. Augustine, make sure to see the many sites and to allow the positive power of this town to relax and revitalize you, mind, body and spirit. Some of the places that we recommend you visit are....
The Fountain of Youth
I have found major ley lines here. Ley lines are electromagnetic fields of energy that the Earth emits. I have also detected the intersecting of underground streams in this same area. These underground streams flow out through the underground cracks and veins north and west through the Fernandina Beach cavernous permeable zone and across the state to connect with other aquifer systems. I have found the intersecting of these lines in the area of the Fountain Of Youth. The energy here is strong and powerful and easily detected. This was well known by the local Timucuan Indians and they had a village there called Seloy. Could it be that the ley lines guided the first explorers to this very point? This area is a real point of power and has a profound positive effect on me physically, emotionally and spiritually. After spending time in the Fountain of Youth area, I feel my energy restored and an inner sense of balance and well-being.
Albert Einstein said, "Intellect has little to do on the road to discovery. The truly valuable thing is intuition."
The energy in the Fountain of Youth area is easily detected with dowsing tools. This is a perfect place for beginners to develop their dowsing skills. Before beginning to dowse for energy, center yourself and take three deep, slow breaths. With each breath, feel the white light of God filling you and connecting you to your Higher Self. Basic beginner dowsing classes are available here for $20.00.
Say to yourself, "only good can come to me and only good can come from me."
Then walk on to
The Senator (600+ year old live oak tree):
The old Senator was a mature tree when Ponce De Leon landed in Florida in 1513.
I made friends with this tree many years ago and feel he stores thought forms and emotions from the past just as a battery stores energy. His Aura is huge and easily detected with dowsing tools. It can also be seen if you stand back and gaze at the sky just over the top of the tree. There is a constant energy exchange that looks to me like a halo with bubbles flowing in and out from it. Take time to quiet your mind and ask what the Senator has to share with you.
The Old Jail:
The Old Jail could easily be called the house of KARMA. If you did the crime you spent your time there. Karma is the universal law that states "what goes around comes around". I believe that no GOOD deed ever goes unrewarded and no BAD deed ever goes unpunished. It only sometimes seems that way when we look at things in the short span of one lifetime and not from the broader perspective of the eternity of the soul.
Nombre Dios mission:
Pedro Mendez Aviles proclaimed this site for Spain and erected a wooden cross where Father Lopez held the first Mass. The Great Cross is a stainless steel 208 ft. high cross. It is a beacon of faith that was erected in 1966.
Dolphins were a symbol of the early Christians and a sacred messenger form God to the Greeks. Dolphins speak to me as the "Keepers of Interspecies Communication". As humans, we have lost the ability of communication by telepathy, which is the prime means of communication for many other species. Dolphin comes to reconnect us to this gift. Loadstone, a natural magnet that helps connect to the dolphin's natural sonar abilities, have been used by mystics and Shaman to call the energy of Dolphin. If Dolphin appears to you: physically, clairvoyantly, clairaudiently or during dream-time, ask yourself what message they have come to give? Take the time to pay attention to your inner and outer visions. Be mindful of everything around you and allow yourself to receive impressions. Messages can come from unexpected sources. I believe that both dolphins and whales are swimming libraries of the history of planet Earth. Legend says that they were once mammals that walked the Earth that moved to the ocean when Lemuria went below the waves. They have the wisdom of the Ancients and will share it with you if you ask. I have had repetitive dolphin visits at what I have come to call "Dolphin Cove". They seem to appear especially during times of stress. Their playful antics and reassuring presence have comforted and guided me many times. I can see the "Great Cross" from my porch and use that as a connecting rod to the cove. I often spend time in meditation while gazing at the cross and talking to the dolphins. Take the time to connect to them and you will have a wise friend for life.
Cemeteries and burial grounds:
When visiting the burial grounds, try to remember the trails and the triumphs of those who walked these grounds before us. To me these are places to honor our ancestors. As I walk the grounds I often wonder about the lives of those buried there and where the essence of their souls are now? Have they returned to the physical plane through reincarnation to complete unfinished tasks? Do those same souls walk beside me today as my friends or neighbors? Tune in and see what thoughts you receive.
The Churches in this area have such a comforting feeling to me. They are places of power where people join together in fellowship to worship the GOD of their understanding and to seek higher guidance. These are places that emanate peace, love and hope.
Fort Castillo De San Marcos:
A place of safety in times of trouble.
Colonial Quarter:
Allow the Angels to guide you back to what life was like in 18th century St. Augustine. When I'm in that area of town, I hear voices of the past. Many times I just sit and tune in to how it felt to live there back then, what clothes where worn, what foods were eaten? I smell foods cooking and the wood fires (clairscentully). I feel the energy of soldiers and, often, hear the sound of barnyard animals. Take time to ask your angels to help you tune in and see what you feel, see or hear.
Flagler Collage:
As I walk these grounds, I allow myself to go back to the late 1800's. I visualize the people of that era and feel the excitement of being at this luxurious, state-of-the-art hotel. I think of the long train ride to escape the cold northern winters and the relief of being in the Florida sunshine. Ask your angels to guide you back in time. What were the customs of the day? Imagine yourself having a meal or perhaps taking a stroll through town. Allow the angels to guide you forward in time to the modern era of Flagler college. As I come forward in time, I feel the excitement and anticipation of the generations of young people coming here for higher education. What they learn here will not only impact their own future but it will help to shape the future of the planet.
Spanish Military Hospital:
This is a place of mercy and compassion. A hospital was built here during the 2nd Spanish colonial period, which was 1784-1821. This site now features a museum of military hospital life in the late 1700s. There was an apothecary to try to make remedies to ease suffering and a special prayer-mourning room where family members and priests would gather for prayer and last blessings for patience. Here is where angels waited to help the deceased cross over.
And God said, "Let there be light" and there was light (Genesis 1:3). St. Augustine's guiding light was originally built in the 1600s by the Spanish. The present Lighthouse was built in 1874. St. Augustine's lighthouse has been a welcoming guide to many weary sailors.
Ancient Wisdom:
Ancient wisdom states that earth has a natural energy system that can be observed and measured. It is a bridge to infinity. Native Americans called it Spirit Paths. They would use power points for healing and shape-shifting. Australian Aborigines called it Lines of Song and other-worldly music was often reported as being heard. The British called it ley lines and there is written documentation about ancient stone circles and many chapels being situated on these lines of energy. Asians referred to it as the Dance of the Dragon and often reported mysterious balls of light in these areas of power. There is much unexplained phenomena that happens at ley lines and vortices. Science can't seem to explain it, but here in St. Augustine, we have a wealth of these energy centers and Sacred Sites. I don't believe that it was by accident that we are the Oldest City in America. Often when I go to the beach to cloud gaze and breath in the negative ions that are produced by the oceans waves, I feel more balanced and stress melts away. These negative ions give me a natural positive feeling that many experience from the movement of water (even after just a cleansing rain). I also experience a natural balancing energy when I am at a Sacred Site. At these points of power, we receive and can transmit the awakening of our Sacred Self. Its at these places where we can easily experience the merging of our emotional, mental and Spiritual Being. Could it be that somewhere through human history we went wrong and lost this connection? Come and rediscover who you truly are through these natural Earth Energy Spots.
Blessings, Carri
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text: Exam Ref 70-688 Supporting Windows 8.1 (MCSA) (EPUB) l English | August 1, 2014 | ISBN: 0735684731 | 352 pages | EPUB | 16 MB Fully updated for Windows 8.1! Prepare for Microsoft Exam 70-688"and help demonstrate your real-world mastery of managing and maintaining Windows 8.1 in the enterprise. Designed for experienced IT professionals ready to advance their status, Exam Ref focuses on the critical-thinking and decision-making acumen needed for success at the MCSA or MCSE level. Focus on the expertise measured by these objectives: Design an installation and application strategyMaintain resource accessMaintain Windows clients and devicesManage Windows 8.1 using cloud services and Microsoft Desktop Optimization Pack This Microsoft Exam Ref: Organizes its coverage by objectives for Exam 70-688.Features strategic, what-if scenarios to challenge you.Designed for IT professionals who have real-world experience configuring or supporting Windows 8.1 computers, devices, users, and associated network and security resources. Note: Exam 70-688 counts as credit toward MCSA and MCSE certifications Code: https://rapidgator.net/file/fb7fba18173802d82ca52eae6ef26b37/0735684731.epub.html


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April 22,2011
Today I noticed my Mommy hens were in the bottom nesting box. They have been on eggs for 21 or so days. I have my nesting box set up 3 boxes high and am able to get my eggs from the other side of the coop. The hens all laid their eggs in the upper box which is about 3 feet or so up off the coop floor. I had thought I heard peeping noises a few days ago and I should have reached in to see if in fact there were babies. Then I thought if there are babies they will come out and the mother hens will follow and go into the lower next box. Which is what they did. I had no idea how many chicks were there but went in and took the babies from them. There were 2 little black chick's. Then I noticed that they left 9 other eggs on the top and I figure they had been off of them for a few hours possibly more. They were sitting on them at 8:30 AM when I had last checked. 6PM is when I saw them in the bottom box. I then checked the top box and saw 9 eggs left and found 2 dead babies. The mother hens kept tucking them back under them so they could not get out to go drink or feed. (Still kicking myself for not checking when I thought I heard babies) Anyway I took the eggs from the top and placed them into the bottom box very carefully and put them in the same postion they were in. The Mommies were all disgruntled about me taking the 2 chicks they had, but went right back into the box and sat back on the eggs that were left. I am praying that they were not off of them too long and possibly they will hatch out a few more???? I will need to get in there today and check to see if anything is happening.
Last year I raised my first chick Jenny. I kept her in the spare room and she was in a box with a heat lamp and a stuffed animal. I was her only contact. Today she is a beautiful colored Bantam hen that is the friendliest chicken I have ever had. She loves to be held and scratched etc. She knows her name and comes running to greet me every time I go out to the barn. The 2 baby chick's I am rearing now I have put them into my empty cockatiel cage which is good sized. However they are frightened when I reach in to change the water or give them food. I have been handling them but it is different with 2 then it was with one. I am hoping that they come around and realize that I am not going to hurt them and hope that they eventually come to me on their own. Like Jenny did and still does. The cage is in the kitchen so they are exposed to all that goes on in the house. They are doing fine but I am wondering if I should put them into a large box as it is easier to reach in to handle them and maybe less traumatic for them? Not sure........Just notice a big difference with these 2 and I am thinking it is because they have each other???? Where as Jenny was all by herself???
April 24,2011
The chick's are doing well. I gave them a grape tomato yesterday and diced it up into really tiny pieces. They were afraid of it at first so I spread it out around the bottom of the cage. A few hours later I looked in and all the tomato was gone. Then diced up another cherry size grape tomato and gave it to them around 6 PM this time I kept it in a pile. They ate it all. These tiny tomato's are really sweet. My chickens are so spoiled. They all know the sound of a knife on the cutting board out in the barn. I usually give them something everyday.Lettuce, Carrots, Tomato's. fresh corn that I even take off the husks for them. They eat out of my hand but that is it. They are afraid of being touched all except for Jenny. I am hoping to get the 2 babies to eventually eat out of my hand and read that I should handle them often when they are a bit older. Right now they still wabble around. I do know in time they will be like the others and come to me when I have fresh vegiies for them to eat. Once they start perching I want them to step off onto my hand. Fingers crossed that they are hens and not roosters because I can not have another rooster. Already have one in the coop and one free roamer. I will be so bummed out if they are not hens.
They are growing fast I can see the pin feathers starting to form on their wings. My goal is to eventually have all my chickens hand reared so they are okay with human contact. My cooped birds are all good birds but none the less they are not tamed in any way shape or form. None of them are mean not even my Rooster. The only time they get aggressive is when they are raising baby chick's. Just hope that if I take all the babies away that they do not try to brood all summer long. Then I have the dilema of where to put the hand reared chickens when they are all grown up. They will be free roamers. I do not allow them out of the bran on their own because of fox. I would be devestated if anything ever happened to my Jenny. I will keep a blog and write how things are coming along.
My New Chicks 2
By Atrayou · Jan 11, 2012 ·
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Course listings: All Distance Education Courses | Current Academic Year Distance Education Courses | On-Campus Courses
Mark Clark
Associate Professor, Wetland Ecology
(352) 294-3115
The wetland seminar series is a forum where presentations focus on water, wetlands and watershed issues both locally, nationally and internationally. Presentations typically cover a wide range of interdisciplinary topics associated with water including hydrology, biogeochemistry, soils, wildlife, vegetation, restoration and policy issues. Presenters are often existing or previous students and faculty, but also include staff and scientists from state and federal agencies, local consultants and other professionals.
Credits: 1
Semesters Offered: Fall and Spring
Prerequisites: None
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Texture of Crystalline Solids
Volume 2, Issue 3, Pages 183-203
Deformation Zone Geometry and Texture Gradients in Cold-Rolled Niobium
1Oak Ridge National Laboratory, Oak Ridge, Tennessee 37830, USA
2Comision Nacional de Energia Atomica, Buenos Aires, Argentina
Received 22 September 1976
Copyright © 1977 Hindawi Publishing Corporation. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
How to Cite this Article
R. A. Vandermeer and J. B. Bernal, "Deformation Zone Geometry and Texture Gradients in Cold-Rolled Niobium," Texture of Crystalline Solids, vol. 2, no. 3, pp. 183-203, 1977. https://doi.org/10.1155/TSM.2.183.


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This limited consumer warranty covers any defects in material or workmanship in the new JOBY product accompanied by this warranty statement. This warranty does not affect or modify any warranty provided by the JOBY retailer nor does it affect any additional rights you may have under the laws of your jurisdiction.
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Welcome to the Burkburnett Independent School District's School Board and thank you for your interest. We offer students a school environment that is abundant with individual attention. The professional and nurturing faculty provides a challenging academic program in a vibrant environment. Students are offered and encouraged to participate in many opportunities to achieve their potential through academics and extra curricular activities.
Equally important, we envision Burkburnett ISD to be more than an educational institution, but a community where students, parents, staff, teachers, board members and our community share the same high level of commitment and vision for the school.
We welcome your comments and suggestions on how we can improve our school district. Please do not hesitate to contact us. Thank you for your interest and support of Burkburnett ISD.
Board Members...
Board Member Jimmy Beeson, Place 1
Elected 2016; term expires May, 2019
James (Jimmy) L. Beeson Jr. is serving his first term as a BISD Board Trustee.
Jimmy was born in Oklahoma City, Oklahoma. He earned a Bachelor of Science in Business Education,from the University of Central Oklahoma, Edmond Oklahoma, and a Master of Military OperationalArt and Science through the USAF Air University's Air Command & Staff College Online Masters Program (ACSC-OLMP).
Jimmy began his career as a "Copper Cap" intern at Sheppard AFB, TX. He is the Chief, Base/Specialized Acquisition Flight, 82d Contracting Squadron, Sheppard AFB,TX. He was recognized as the Air Force level Outstanding Contracting Civilian (GS-12 & Above) for 2011, the Second Air Force Civilian (Supervisory Cat II) of the Year for 2011, Air Education & Training Command Professional Courage Award recipient for 2010, and the Oklahoma City-Air Logistics Center Contracting Civilian of the Year (GS-12 and above) for 2008.
Jimmy is married to Mindy L. Beeson and lives in Burkburnett, Texas. He has three children, Caleb(7), Maddie(5),and Joshua (2). Mindy is the Director of Children's Ministry at First Baptist Church, Burkburnett. Caleb, Maddie and Joshua have a combined 36 years remaining in the BISD.
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President Ed Godsey, Place 2
Re-Elected 2016; term expires May, 2019
Ed is currently serving in his third term as a BISD Board trustee. He has completed Leadership TASB and earned the recognition as a Master Trustee. He is a 26 year Air Force veteran with 17 of those years spent in the education and training field. During his military service Ed has served as a classroom instructor and curriculum developer. He has earned two associate degrees through the Community College of the Air Force and a Bachelor's degree from Wayland Baptist University.
He is currently employed by the Department of the Air Force at Sheppard as an Instructional Systems Specialist. He is married to Anita and they have three children, Sonya, Eddie Jr. and Aaron; all BHS graduates. They also have eight grandchildren.
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Board Member Terry Klipp, Place 3
Re-Elected 2016; term expires May, 2019
I am a graduate of Midwestern State University (MSU): BAAS. Economics, Political Science and Business; Master of Arts Degree, Public Administration. My husband, Mike, is a retired U.S. Navy Chief Gunner's Mate. Together we enjoy our blended family of children and grandchildren, several of whom graduated from Burkburnett ISD. We are members of St. Jude Catholic Church.
My professional career included Texas Department of Human Service, Case Analyst retired 2000; North Texas Area United Way, Resource Development Director, retired 2002.
As a 2008 graduate of the Leadership Program of the Texas Association of School Boards (TASB), I served as a Master Trustee and am a Lifetime member of the Leadership TASB Alumni Association. I am also a Lifetime member of the MSU Alumni Association. I have been privileged to serve in many volunteer opportunities with area non-profit organizations through the 27 years I have lived in Burkburnett.
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Secretary Frank Andrajack, Place 4
Appointed September, 2014; term expires May, 2020
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Board Member Les Healton, Place 5
Appointed 4-13-17; term expires May, 2020
Les is serving his first term as a BISD Board Trustee. He is a 1984 graduate of Burkburnett High School. Les and his Wife, Melinda, have one daughter, Alexes, who is a junior at Burkburnett High School.
Les has been employed for 21 years at Sheppard Air Force Base 8- FTW, supporting the ENJJPT program and a lead hydraulic, tire, and brake specialist. He is currently working for M1 Support Services.
Currently, Les is a member of First Bank and is actively involved in the Burkburnett FFA. He is a past president of the Burkburnett FFA Booster Club.
"You have to build a path for your child, not a child for YOUR path." Brad McCoy
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Board Member Keith Myers, Place 6
Elected May, 2015; term expires May, 2018
Keith grew up in a small community of Rhineland, Texas and graduated from Munday ISD in 1995. He attended Midwestern State University and graduated in 1999 with a Bachelor of Business Administration/Accounting. He married a Burkburnett native Shannon Norris in 2001. They moved to Burkburnett in 2005 so that their kids could attend Burkburnett ISD. Keith and his wife Shannon now have four kids: Matthew, Kamryn, Andrew, and Nathan. All four will be attending Burkburnett ISD this year.
Keith has served on several boards in Burkburnett including: Chamber of Commerce-past president, Burkburnett Development Corporation-past president, and Burkburnett Boys and Girls Club. He also served as president of the Sunrise Optimist Club in Wichita Falls. He is a member of St. Jude's Catholic Church and is also a member of Knights of Columbus.
He and his wife Shannon currently own and operate Sign-On Enterprises located downtown in Burkburnett. When elected to the board in 2015 Keith's kids had a combined 37 years of BISD school life ahead of them. The school is the reason they moved to Burkburnett and Keith is eager to do his part to make BISD the best learning environment and parent could ask for.
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Board Member Doug Smith, Place 7
Elected May, 2014; term expires May, 2018
Doug is currently serving his second term as a BISD Board trustee.
Doug has lived in Burkburnett for the past 18 years. He graduated from Iowa Park CISD in 1985. Doug furthered his education with a Bachelors of Agriculture Education with a minor in Agriculture Economics from Texas Tech in 1990.
He has affiliations, recognitions and honors in Burkburnett Lions Club, Burkburnett Roustabouts, Burkburnett Chamber and past board member, Wichita County Junior Livestock Assoc. board member/Cattle Superintendent, 4-H leader and Eagle Scout Review Board Chairman.
Doug is the owner and operator of "Double D's One Stop" located in Burkburnett since 1998. Doug and Cari have three children. Cari is a teacher and coach for Burkburnett High School. Kylee is a sophomore at the University of Louisiana Lafayette, Kaci is an 11th grader at Burkburnett High School and Kennedy a second grader here in Burkburnett.
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Tylor Chaplin, Superintendent
It is with great pleasure that I introduce myself to the Burkburnett community as the Superintendent of the Burkburnett Independent School District.
I am excited to be a part of such an innovative district dedicated to preparing students for their future. I grew up in Stephenville, Texas and received a Bachelor of Science degree in Exercise and Sports Studies from Tarleton State University in 1995. I have been in education for over 20 years as a teacher, coach, assistant principal, campus principal and superintendent. I have been married to my wife Anita since 1992. We have two daughters, Alexa who is a sophomore in college and Cate who is a sophomore in BISD. I am passionate about the role I play in the lives of students and in the education process. I believe education is in a state of transformation that will better prepare students to be citizens in a world that does not yet exist. By developing skills such as creativity, collaboration and the ability to reason, Burkburnett graduates will enter the world with the tools necessary to be successful in their chosen field. I look forward to the strengthening relationships with students, parents, and community members in an effort to continually improve the education of the students of Burkburnett ISD.
In November 2015 the citizens of Burkburnett ISD showed their dedication to the community by investing in the future. A bond of $47.1 million was approved to renovate current facilities and construct a new 75,000 square foot elementary campus. Construction will begin in 2016 and when completed the new facilities will benefit the Burkburnett community for generations to come.
Thank you for your continued support of Burkburnett ISD.


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Conrad (CHS) Class of 1955 Alumni List
Help us Update the Conrad 1955 Class List by adding any names missing from the list below:
Registered Alumni
1955 Class List
Know Conrad Class of 1955 graduates that are NOT on this List? Help us Update the 1955 Class List by adding missing names.
Lady and the Tramp was the top movie in theaters in 1955, with a lifetime gross of over $93,600,000. Among TV shows in 1955, I Love Lucy was the most popular of the year.
Reunions and Conrad High School News
More 1955 alumni from Conrad HS Conrad, MT have posted profiles on Classmates.com®. Click here to register for free at Classmates.com® and view other 1955 alumni.
Alumni from the Conrad High School class of 1955 that have been added to this alumni directory are shown on this page. All of the people on this page graduated in '55 from Conrad . You can register for free to add your name to the CHS alumni directory.
You can share memories of those activities that you were involved with at Conrad HS and you can view other alumni and read what other former students have posted about the time they spent at Conrad.


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Robin Gareiss
Robin Gareiss
November 20, 2017
November 20, 2017
collaboration, security, Cloud, IoT, SaaS, digital transformation, artificial intelligence, IaaS, PaaS, DN6488, budget, organizational structure, mobile, wearables, drones, 3D printing, bots
collaboration, security, Cloud, IoT, SaaS, digital transformation, artificial intelligence, IaaS, PaaS, DN6488, budget, organizational structure, mobile, wearables, drones, 3D printing, bots
Executive Summary
IT and/or business leaders responsible forthe Digital Transformation (DT) initiatives at their organizations have a lot of factors to consider to ensure success. It is incredibly challenging to know where to start, how to change, and what to avoid as demand for business value increases. Digital transformations aim to grow revenue, cut costs, improve customer experience, gain competitive advantage, and attract employees.
Nemertes interviewed or surveyed IT and business leaders at nearly 800 global organizations to understand the best practices and pitfalls of the initiatives.
This report covers the following:
- 'Digital Transformation' definitions and key factors for success – Completing projects that show measurable business value within six months is a success factor.
- Organizational, leadership, and staffing strategies – The role of the C-suite is vital to success. The CEO has launched DT initiatives at the highest percentage of research participants. Meanwhile, a solid mix of IT and business-unit leaders must be involved with the projects.
- Enabling technologies – Apps, products, and technologies must work as expected, so testing is crucial. IT leaders also must make sure the foundation is strong before moving on to more advanced apps.
- Reasonable budgets, based on real-world data – Budgets can vary considerably based on company size and how they classify transformation projects. On average, companies spend $1,004 per employee on DT, though larger companies spend significantly less per employee.
- Pitfalls companies have experienced that caused their projects to fail – Numerous pitfalls exist, so it's crucial to evaluate our list at the start of any project to avoid them.
Table of Contents
- The Issue
- Digital Defined
- Organizational Structure
- Digital Transformation Leadership
- Digital IT
- Digital Business
- Digital Marketing
- Digital Customer Experience
- Digital Transformation Staff
- Staffing Advice
- Digital Transformation Leadership
- Enabling Technologies
- Budget
- Pitfalls to Avoid
- Awareness and Adoption
- Process and Planning
- Financial
- People
- Technology
- Conclusion and Recommendations


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Mumbai : It has been more than 18 months since the new schemes for urban development Atal Mission for Rejuvenation and Urban Transformation (AMRUT) and the Smart Cities Mission (SCM) were launched. Probably it is too early to say how the two Missions have fared. An assessment of past schemes and an understanding of how far we have come since the launch of Centrally-sponsored schemes in the 1980s, can provide us some insights on the road ahead.
Urban development is a State subject. The Central government has found it critical to supplement the State governments efforts to ensure the urban development process is managed well. Through the lure of grant funding, the Central government has played a lead role in shaping the urban development agenda. The first Centrally-sponsored scheme of Integrated Development of Small & Medium Towns (IDSMT) was initiated in the year 1979-80 and was continued till December 2005. This scheme was applicable to towns/cities with population of up to 5 lakh.
This was followed in 1993-94 by the Accelerated Urban Water Supply Programme to provide safe and adequate water supply facilities to the entire population of towns having less than 20,000 people as per 1991 Census. The Ministry of Urban Development (MoUD) and the respective State governments shared the project cost equally between them. At the same time, Mega Cities scheme was initiated to undertake infrastructure development projects of city-wide/regional significance covering a wide range of components like water supply and sewerage, roads and bridges, city transport and solid waste management. The Scheme was applicable to Mumbai, Kolkata, Chennai, Bangalore and Hyderabad. The sharing between the Central and State government was in the ratio of 25 per cent each; the balance 50 per cent was met from institutional finance/capital market.
In order to accelerate and incentivise the process of urban reforms, the Government of India decided to provide reform-linked assistance to states. The 2002-2003 Budget called for setting up of an URIF Urban Reform and Incentive Fund - with an initial outlay of Rs 500 crore per annum during the 10th Five Year Plan. The URIF provided incentives to State governments to carry out reforms. Each reform area had been assigned a special weightage.
Given the size of the urban population, the amount of funds made available under these schemes were grossly inadequate to make a significant impact on urban infrastructure requirements in the country. Further, of all the initiatives, URIF was the only scheme which linked urban reform outcomes to funding available to the cities.
However, it also left the states with an option to pick and choose the reform areas. Also, the size of funding made available at Rs 500 crore was not big enough to incentivise the states to embrace the reform elements in a comprehensive manner. More importantly, the local government, which was at the core of the reform process, was not directly involved in the reform commitments.
There was, thus, a need for a scheme, which was sizeable enough to make an impact on urban infrastructure investments, brought together all the three key stakeholders Central government, State government and the urban local body (ULB) to achieve a common purpose, and one which viewed the needs of urban development in a comprehensive manner. The launch of Jawaharlal Nehru National Urban Renewal Mission (JnNURM) was a step in this direction.
The Atal Mission builds on the objectives of JnNURM but makes a significant departure in the design of the scheme. It empowers the State government to decide on the allocations between projects and cities. The Central government only sets the broad guidelines for the Mission, leaving the State governments with significant discretion to shape the urban development agenda tailored to its needs.
The Smart Cities Mission has adopted area-based development approach to improve the quality of life in that area; the Mission has made it mandatory to deploy technological solutions as a pan city initiative. This scheme design is a novel departure from the project-based approach to scheme formulation.
The review of JnNURM suggests that sizeable investment support from the Centre stimulated interest from states and cities to initiate reforms. Cities were unable to utilize full funding available as only 62 per cent of the committed funds were disbursed. The under-utilization is on account of reform milestones not being met and the slow pace of project execution.
Of the 539 projects sanctioned in JnNURM, only 217 are completed and for UIDSSMT, out of the 806 sanctioned, 413 have been completed as of November 2013. This was eight years after the Mission had been launched. Thus, it was found that mere availability of funding did not result in infrastructure spending; absorptive capacity of cities was low.
The AMRUT scheme design devolves considerable powers on states. But states will take time to adjust to this empowered status. AMRUT aims to strengthen local governments while Smart Cities Mission has SPV as an implementation vehicle. Pan-city solutions proposed are not aligned at the level of challenges faced by cities. Solutions aim to monetize demand but may not fulfill need.
AMRUT and Smart Cities Mission provide an opportunity to learn from the past. The Centrally sponsored schemes have tended to provide a direction to the urban development agenda. Going forward, State governments need to gainfully deploy the new found freedom under schemes like AMRUT and Smart Cities Mission and the prevailing spirit of co-operative Federalism ear-marking higher devolutions to states, which are un-tied in nature.
The new drivers of urban development will increasingly be the State governments. The question is not whether the states are ready to take on this role. It is inevitable that in line with democratic decentralization, the power should be devolved below.
Practically speaking, the 74th Constitutional Amendment made a symbolic recognition of the third-tier government; the State government empowerment had not happened then. Today, we have empowered State governments. We will need to wait for some more time before local government empowerment truly happens.
The period 1980-2015 was one of Centrally-directed urban development. We will soon usher an era where State governments will set the terms of engagement with the cities.
The successors to the AMRUT and Smart Cities Mission will be further disengaged and empower the State governments still more. The direction of change is correct. Only when the direction is correct, the benefits can be seen in the long term. The pace of change will be gradual and no overnight miracles can be expected.
Abhay Kantakis Director Urban, CRISIL Infrastructure Advisory.
(Disclaimer: India Water Review does not take any responsibility for the views expressed in the article. The article published also does not in anyway reflect the opinion of India Water Review.)


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Hotel Buzz: Le Méridien opens in Gurgaon
Old bottle but new wine! The swanky white hotel, formerly known as Pullman, in Gurgaon is now Le Méridien.
While the design remains the same, everything about it is now "Méridien". Le Méridien takes art, social gatherings and its coffee very seriously. The emphasis on the three is palpable at this hotel. A beautiful Paresh Maity installation establishes the brand's focus on art; there are lovely paintings inside too. The installation outside the restaurant "Latest Recipe" too captures your attention.
The 285-room property has 22 suites with all the modern facilities. Watch out for the restaurants here, which will slowly open their doors to public. As of now, Latest Recipe is a space where you can dine all day. I loved the Longitude Bar, the coffee shop which transforms into a bar by evening.
Located in close proximity to corporate parks, the hotel is ideal for business meetings, events, etc. It also has ample space for weddings and social events.
A detailed review of the hotel shall be posted later on.


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Oct. 9, 2005
Recap | Box Score | Quotes
Attendance: 109,839
Ohio State fullback Stan White, Jr., caught the first pass ofhis career in the first quarter, an 11-yard gain for a first down.The play came during Ohio State's first scoring drive, a 12-play,44-yard effort, to give OSU an early 3-0 lead.
Freshman punter A.J. Trapasso's 60-yard second quarter punt wasa career long. His previous best was a 53-yarder vs. Iowa.
Brandon Schnittker's 7-yard option carry in the second quarterwas a career long. His previous long was a 5-yarder earlier thisyear vs. Iowa.
Ohio State's 7-minute, 13 second quarter touchdown drive (10run by Troy Smith) was the most time-consuming scoring drive forthe Buckeyes in 2005. The 81 yards traveled tied a season high forthe Buckeyes on a scoring drive.
Smith's 10-yard TD run gives him a least one rushing TD inthree-consecutive games for a total of five on the year (two eachvs. SDSU and Iowa). Smith has reached the endzone via the rush infive of the last six games in which he has played.
Santonio Holmes made four grabs on the night vs. the Lions. Heextended his current streak to 23-consecutive games with at leasttwo catches. Holmes moved into the Top 10 all time in careercatches. He owns the No. 7 spot with 109 career catches. He has1,643 career receiving yards, good for the No. 12 spot.
A.J. Hawk's nine tackles give him 322 for his career, movinghim into the No. 10 spot all time at Ohio State for career tackles.He passed Randy Gradishar, who from 1971-73 recorded 320 stops.
For the 106th-consecutive game, Ohio State scored at least onetouchdown. The last time a Buckeye team was held without atouchdown was a 13-9 loss to Michigan in the 1996 season.
The 109,839 announced attendance at Beaver Stadium is thesecond-largest crowd to witness a PSU home game. The record is110,753 vs. Nebraska in 2002. Ohio State has played before 100,000or more fans in six of the last seven games and all five games thisseason (Alamo Bowl, 65,265, 12/29/04).
With the loss Saturday, Jim Tressel's career mark moved to178-70-2, including a 43-13 record at Ohio State.
Since coming to Ohio State, Tressel is 16-7 against teamsranked in the Top 25.
Tressel is 24-10 vs. Big Ten teams and 2-2 vs. Penn State atOhio State.
Ohio State's all-time mark as a Top 10 team is 281-68-9.Overall, Ohio State now is 382-123-14 as a team ranked in the APTop 25. Ohio State now is 110-99-12 vs. teams ranked in the AP Top25.
The game Saturday served as the 21st meeting between Penn State and Ohio State in the series that dates back to 1912. Penn State now leads the overall series, 11-10, including a 5-3 record in University Park.
In Big Ten play Ohio State is 419-162-24 since 1913.
Penn State Notes
Penn State has won eight consecutive games, dating back to lastseason, and has the nation's third longest winning streak behindNo. 1 USC (27) and No. 2 Texas (12).
Tonight's attendance of 109,839 is the second largest crowd inBeaver Stadium history. Only the crowd of 110,753 against Nebraskain September 2002 was larger.
At 6-0, Penn State is the Big Ten's first bowl eligible teamand is the only team unbeaten in conference play (3-0).
The win improved Joe Paterno's career record to 349-116-3 inhis 40th season as coach.
Penn State's win over No. 6 Ohio State marks the highest rankedopponent that the Nittany Lions have defeated since beating No. 4ranked Arizona in the 1999 Pigskin Classic. In addition, it is thefirst top-ten team that Penn State has defeated since PSU beat No.8 Nebraska in 2002.
With tonight's win, Penn State has defeated ranked opponents intwo consecutive games for the first time since beating No. 18 OhioState and No. 16 Purdue in 1999.
The win by the No. 16 Lions marks the first time that the lowerranked team has won in the Penn State-Ohio State series since 1964,when unranked Penn State beat No. 2 Ohio State 27-0 in Columbus. In14 of the previous 16 meetings since 1964, at least one team wasranked, with the higher-ranked team winning each time.
The Nittany Lion win tonight by 7 points marks the 10th timethat games in this series have been decided by 10 points or less.Penn State and Ohio State have each won five of those tightaffairs.
For the 11th time in 13 games since Penn State joined the BigTen in 1993, the home team was victorious in the series.
Penn State leads the series with Ohio State, 11-10, snappingthe Buckeyes' three-game win streak in the series.
The last time Penn State won when having 11 or fewer firstdowns was at Purdue in 1999 (had 11).
The last time Penn State won when gaining 195 yards of totaloffense or less was when the Lions gained 162 yards in the 14-101987 Fiesta Bowl win over Miami.
Penn State did not commit a turnover for the second straightcontest. It is the first time since having three consecutive gameswithout a turnover in 1995 (Rutgers, Wisconsin, Ohio State).
Penn State has scored 42 points off of 11 turnovers thisseason, including tonight's touchdown in the second quarter.
Tamba Hali tied his career-high with three tackles for loss(minus-11 yards), including 1.5 sacks and a forced fumble late inthe game, which was recovered by Scott Paxson.
Paul Posluszny's 14 tackles were his second-highest this seasonand third-highest of his career.
Chris Harrell's 12 tackles were the second-highest of hiscareer (14 vs. Iowa, 2002)
Dan Connor's 12 tackles were the second-highest of his career(16 vs. Northwestern, 2004)
Scott Paxson's fumble recovery in the fourth quarter was thefirst of his career.
Calvin Lowry's second quarter interception was his second ofthe season and the seventh of his career.
Freshman Jordan Norwood tied his season-high with five catches(Northwestern).
Linebacker Sean Lee saw his first career action tonight, makinghim the seventh true freshman to play for Penn State this season.


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Owning a Sorbet Franchise feels just as fabulous as walking out of one. Promise.
In 2005, Sorbet opened its first salon in sunny South Africa. The Sorbet business model was developed with franchising in mind. From the get-go, we put our franchisees at the centre of our focus and success, cultivating a sincere and supportive Franchisor-Franchisee relationship.
Sorbet is that awesome, fun and fabulous salon culture you've been holding out for! We've been delivering head-to-toe confidence across South Africa all this time, and now we're here, in your city.
We love our people as much as we love our guests. Here, we are tighter than Catherine Tate – on a good day – and kinder than a London Summer. At Sorbet we are family, and we're always searching for new family members to join our table of bubbles.
So, why would you want to own a Sorbet Salon?
- You're in the market for fresh & fabulous
- You're looking for a career in beauty, with a difference
- You're mad about pretty things, trendy things & colourful things
- If you could choose bubbles or squares, you'd choose bubbles.
- You're passionate about people, their feelings & service satisfaction
- You're wanting to inspire greatness in your community
- You're wanting to grow and grow those around you
- Oh, and you secretly stroll by Sorbet Salons on your way home from…anywhere, really
Franchise Prospects Coming Soon!
If you're on the hunt for a new and exciting business opportunity that showcases Happiness as the main attraction, then chat to us and we'll keep you posted on our Sorbet franchise prospects – Coming soon!


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Whenever you go to London by train, which more and more people tend to do and you have a little time left, it is worth while to pay a visit to Searcys Champagne bar at St Pancras train station.
Champagne bar? Yes it is called that way, loads of that stuff to be found, however, the bar also holds a nice selection of (single malt) whisky.
To get to the bar, you take the staircase up right in the middle of the hall.
In the cabinet you will find a nice selection of bottles, the price is not too bad, at least not to London standards. And they serve a decent dram.
The whiskies are divided into regions which help you choose, allthough these days region is not a definition for taste anymore, take for example a peated Benriach and a non-peated Bunnahabhain.
We chose a dram from one of our favorite and relatively unknown distilleries, Mannochmore 1990, bottled by Gordon and Macphail, the independent bottler with probably the largest stock of great quality casks in Scotland.
The bottle had been opened a while ago, which usually does not add up to the taste.
Still the typical style and character of Mannochmore was noticeable: fruity (lemon), zesty, oily. It's really a pity this distillery doesn't get bottled as a single malt more often. We only have 20 bottles of Mannochmore in our collection..
If you ever get your hands on the James MacArthur's single cask 1990, buy it. Fantastic malt, add a bit of water and you'll enjoy it even more.
Anyway, back to Searcys. As we said, a nice place to start your visit to London.
Of course when you are departing from London eg to Brussels, it's a great place too.
More information can be found on their website


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Andreas Brantelid was born in 1987 and began early to play the cello, at first with his father, cellist Ingemar Brantelid. Already at age 14 he made his debut as an orchestral soloist; he played Elgar's cello concerto with the Royal Danish Orchestra. Since then he has played with all the major orchestras in Scandinavia as well as numerous major orchestras in Europe and around the world.
Andreas Brantelid appeared as a soloist with the Mahler Chamber Orchestra, the Vienna Symphony, Hamburg Symphony Orchestra, Scottish Chamber Orchestra and many other orchestras. In the season 14/15 Brantelid gets his debut with the London Philharmonic, and he has his first appearance in Japan. He has played with star conductors such as Phillippe Herrewege, Sakari Oramo and Jukka-Pekka Saraste.
Brantelid is a frequent chamber musician and has played in both Carnegie Hall in New York and at Wigmore Hall in London. He has performed at numerous festivals, including festivals in Bergen, Lockenhaus and Verbier.
On his first CD from 2008 Andreas Brantelid played the cello concertos by Tchaikovsky, Schumann and Saint-Saens with the DR Symphony Orchestra. In 2010 he released a CD with chamber music by Chopin and in 2012 a CD with "encores".
Read more about Andreas Brantelid on his website.
Brantelid was appointed associate professor at the Royal Academy of Music Aarhus/Aalborg in connection with a masterclass and a concert in Aarhus 10 December 2014.
For the appointment cello professor at the Academy Henrik Brendstrup says:
"With Andreas Brantelids appointment we will associate one of the greatest soloist talents on the international music scene to the Academy. Due to his young age he is not the typical choice for an honorary professor, but the cello students will encounter a great musician who has only just begun a great career, and which comes with completely fresh experience of the life as a touring artist. Moreover, not long ago, Andreas himself was a student, and he puts in his masterclasses great emphasis on helping the students to work better and more efficiently with their own practice and development. "
Page last updated 19th of November 2018


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The Bannatyne Group has appointed an experienced manager to open and run the new spa at its Ingleby Barwick health club.
Ashleigh Baker has been with the company for seven years, beginning as a therapist at the Darlington spa and progressing to manage the facility.
Ashleigh, who is trained in all the treatments offered at Bannatyne Spa, is joined by senior spa therapist Hannah McDougal and spa therapists Louise Briggs, Elisha Hughes-Bunn and Emily Lockwood.
The Bannatyne Spa will add a new dimension to the health and wellbeing offering at the health club, with five well-appointed treatment rooms – one of which is a dual room, manicure and pedicure stations and a range of spa treatments, using high quality products including Elemis, HD brows, LVL and Jessica Nailcare.
It will open for treatments at the end of May and a new café bar with a late licence, outdoor patio area and serving Starbucks coffee will be available for spa guests.
Ashleigh said: "I'm proud to be opening the new spa at Ingleby Barwick, particularly as it is the first club opened by the company back in 1997.
"I loved my time at Darlington and will use all my experience there to make the Ingleby Barwick spa a real success. I have a talented team of therapists and we're looking forward to welcoming guests and showing off the fantastic facilities and luxurious treatments."
Karen Wilkinson, group spa director at the Bannatyne Group, said: "Ashleigh is the perfect manager for our newest spa and I am confident that she and the team will deliver the fantastic treatments and customer experience Bannatyne spas are rightly proud of."
• Pictured above: Front Ashleigh Barker Spa manager; back (l-r) Elisha Hughes, Emily Lockwood, Louise Briggs and Hannah McDougal.


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Safomasi designers Maninder Singh & Sarah Fotheringham's studio doubles as their apartment. They tell us about living and working in the same space.
- If clients and customers will be dropping by for meetings, it's vital to keep the space tidy at all times.
- Plenty of storage is key – design your space so that everything has a place, and keep it that way. Clutter is distracting for both work and play.
- Stick to designated "work" areas while working (read: don't work on your bed during the day) so you can switch off later.
- Before moving, evaluate your stuff. If you don't love or need it, think about giving it to someone who might. Pare it down to the essentials.
- In a large open-plan space, sound can travel and bounce, which means it will get noisy. Soft furnishings and rugs absorb and help minimise this.
- Use rugs to visually create different areas within the same space – a living area, bedroom, etc.
- Think about incorporating movable screens, partitions or curtains so you can divide the space when you need to, without losing light or seeming cluttered.
5 ways to pimp out your home, from Shah Rukh Khan's interior decorator
The real cost of Monica's apartment in Friends will shock you
Which Bollywood superstar has the best sea-facing apartment?
> More on Live Well


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The grandkids Hans (11 y/o boy) and Goldilocks (5 y/o girl) were coming for most of the weekend. We were all excited because the weatherman had been promising-teasing-hinting-suggesting we would have snow. We were hoping-wishing-anxious-bouncing (off the walls) with anticipation. Every 10 minutes someone was checking out the window or checking the temperature.
By 9pm, Goldilocks had climbed into Granddad's lap and was asleep. By 11:30 Hans was still checking the temp and out the window when he decided maybe we should all go to bed and hope the miracle happened during the night.
At 8am, two excited kids bounced into our room to let us know it was snowing. Yes, it was. You could count the flakes as the fell, tiny little things, one or two a second. They melted on contact.
We got dressed, ready and headed out to Denny's for breakfast. It has become a Sunday morning ritual. Hans and Goldilocks look forward to going out for Pancake Puppies when they spend the night on Saturday. Still no snow. We came home where little flurries kept teasing us all day, but never enough to even cover the ground. Then about 2:30 the big flakes fell fast and furious and within 15 minutes we had a glorious covering of snow. The sun peaked out the snow was melting in less time than it had taken to accumulate.
Goldilocks was jumping and dancing, "Come on, Grams. We gotta go play in the snow." We grabbed our shoes and jackets and headed out. To play. To build a snowman. With less than 1/8 inch of snow on the ground; in the places there was any snow.
We couldn't take time to find gloves or the snow would be gone. With nothing more than our bare hands we began to build a snowman. We rolled a big ball for the body, a smaller one for the head and then added the accessories.
Goldilocks took the time to pose with her first snowman of 2012. She was most proud of how he looked. She wanted to add arms, but finding such tiny sticks was a challenge. So she decreed that we built a snow cat.
Last but not least, a portrait of Snowman #1 2012.
And there you have it. The miracle snowman. Do you know how hard it was to find enough snow to build a snowman? We think he turned out very cute!!
At dusk he was still sitting all alone on the grass, which by then was completely green with no snow in sight. He may last through the night because the temperature dipped below the freezing mark just before dark.
Hope you had a fun day, too!
PS QUILT DISASTER For those watching for an update on the quilt, it is spelled "disaster." I even stayed up until 1:30 this morning…stay tuned…:(


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What is Risk Management?
Risk Management
What is Financial Risk Management?
Purpose of Risk Management
Scope of Managing Risk
Risk Management Plan
Example of Calculating the Risk Exposure by Standard Deviation
Risk Management, as the name suggests, is the process of managing the risks. Risks may be financial, operational, external, internal, and political and of many other such kinds. So to understand risk management, let us first understand what a risk is.
Risk is the uncertainty or probability of the end result or occurrence not being as expected. Risk is a part of every human endeavor. Risk is the condition or situation where the likelihood of danger or exposure to danger is higher. In the Financial terms, these risks would be the probability of the actual return being lower than the expected return may it be in investments or in business. When considering the risk factor both the probability and consequences matter equally. For example, the probability of occurrence of earthquake is very less but the consequences are devastating which makes it a high-risk event.
Risk Management comprises of the actions or steps taken to reduce or remove the risk exposures. Risks when managed properly lead to desired rewards and innovative results. From an organizations perspective, risk management is the process of identifying the threats and assessing and controlling them to protect the organization's capital and earnings. These risks include market instability, financial uncertainty, legal liabilities, accidents and natural disasters, strategic management errors, IT security and data threats, etc.
In the world of finance, risk management refers to the process of identifying potential risks in advance, evaluating them and take measures to reduce or curb the financial impact of these risks. It is thus the process of monitoring financial risks and managing their impact.
This process entails setting up guidelines to define policies on the extent of accepting financial risk. These guidelines or policies play a crucial role in the risk identification, acceptance and curbing the losses resulting from these risks.
Financial Risk Management is a practical application of modern financial theories, models and methods. These risks can be of the following two types:
The above various risks pose financial and stability risks to the very existence of the organization and hence it is crucial to manage them to reduce the likelihood of project failure from various dimensions.
Financial Risk management is thus a forwards looking process that is important part of business.
The financial risk managers have various tools and models which help them in managing the financial risks in investments, instruments and market. Other business risks which pose financial threat need to be managed in a systematic planned manner as well. Organizations have to identify all the possible risks to a product or project or operation, evaluate all possible remedies and accordingly implement the steps necessary to alleviate the risks. After the identification of all the possible threats and risks, the response to these risks includes:
Best way to mitigate risk would be to take necessary steps proactively to avoid as well as mitigate the probability of risk of failure. For example, planning in advance the extra marketing costs needed to promote a new product in new cities and providing sufficiently for any shortfall that may arise due to unforeseen events.
The very purpose of risk management is to identify the risks and plan to mitigate its adverse impacts. Thus the purpose of risk management is:
Assessing and managing risks is the best weapon organizations have to fight all the future catastrophes. High priority risks need to be aggressively managed with cost effective ways to ensure successful investments or projects. Information flow is also critical in effective Financial risk management so as to enable the decision makers with prompt and correct information at all levels.
Volatile changes in fuel prices directly affect the profitability of airlines. This is further more crucial in the US as the oil is traded in US dollars.
In this example, we assume that the profitability of an airline in US is predicted as follows for coming years:
Oil prices Profit ($) Probability
$60 per barrel 18 million 0.2 (20%)
$90 per barrel 14 million 0.4 (40%)
$110 per barrel 12 million 0.4 (40%)
The random variable X has an expected value which is calculated as the summation of the product obtained by multiplying the outcomes with their probabilities.
This is expressed as:
E(X) = ΣPiXi
Here Xi stands for the values of the random variable X and Pi is the corresponding probability that Xi would occur.
In this case, the expected value of profit is calculated as: 0.2 x $18 million + 0.4 x $14 million + 0.4 x $12 million = $14 million.
The standard deviation, which is σ, is measured as the dispersion of the possible values from the expected value or mean. It is calculated as: Where E(X) is the expected value (or mean) as above.
The standard deviation quantifies the variability (or uncertainty) of possible outcomes from the expected value. This gives a suggestion of the risk involved. For a given expected value, the higher the standard deviation the higher is the risk involved. In the above example, the standard deviation can be calculated as: It is the square root of the variance. Profit has an expected value of $14 million and a standard deviation of $5 million.
The above calculations help to weigh the risk involved due to the uncertainty over the fuel prices.
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