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Two Major Releases since UC2015
McLeod Software has continued our rapid pace of development and investment in our products. Since our last User Conference in Birmingham, nearly a year ago, we have had two major releases of our flagship LoadMaster® Enterprise and PowerBroker® systems, with a broad range of new capabilities and integration solutions in each release. In this document, we will hit some of the highlights.
McLeod IQ
McLeod IQ gives our customers the ability to access and analyze LoadMaster, PowerBroker and other 3rd Party data simply using Microsoft Excel, or with a wide variety of popular reporting tools. McLeod IQ
utilizes the Microsoft Business Intelligence stack to create a multidimensional cube that aggregates all of the customer's important metric data in a way that is easier than ever to understand, report, and analyze.
This new product was built using Microsoft's data cube architecture and lets our customers view their important Key Performance Indicators (KPIs) against any type of dimensional data (i.e. Customer/Location/Driver), to let them explore relationships and correlations that are not normally easy to see from standard reports.
For McLeod customers who already had the most robust reporting tools in the industry, this adds a new way to "slice and dice" the data, giving them the ability to change the way they decide to calculate their KPIs.
McLeod IQ also provides access to the data warehouse for users to pull in other data sources that may not be part of their McLeod system, such as the information from their mobile communications and maintenance systems. Users can access the data warehouse directly using a drag and drop feature with pivot tables in Microsoft Excel. Customers may also decide to use the full Microsoft Power BI suite of analysis and reporting tools with McLeod IQ.
With the ability to explore relationships between different variables, customers can take their analysis to a higher level and see things that should influence critical decisions about the business.
Logix Solutions
Another major new family of products was introduced in the last year, McLeod Logix Solutions. These applications are integral to the LoadMaster and PowerBroker systems, built with McLeod's FlowLogix workflow automation product. Each Logix Solutions product provides an out-of-the-box, end-to-end business process automation and business process management solution. These products have the additional advantage of being customizable using FlowLogix Designer and eForms Designer, which allows McLeod or our customer to easily and inexpensively make adjustments and changes to the flow of work, the data collected or used, checkpoints or validation points, and changing the outputs or exception queues for that business process. There are five new Logix Solutions products for 2016 and many more on the way.
Logix Solutions Automated Collections
The new Logix Solutions Automated Collections module is a comprehensive collections automation solution that can be added to the LoadMaster or PowerBroker system. It is equivalent to gaining a free staff member to manage collections. With this automation, customers will see their DSO drop right away, while they unburden the daily routine tasks in the collections cycle.
Logix Solutions eRate Confirmation
The Logix Solutions eRate Confirmation module lets PowerBroker users structure a sound, but completely paperless and fax free, process to quickly send and receive carrier rate confirmations.
Logix Solutions Carrier Onboarding
The Logix Solutions Carrier Onboarding module adds another powerful layer of business process automation to give PowerBroker users the ability to cover more loads faster and onboard new carriers with a fraction of the effort or typical delays.
Logix Solutions Billing & Settlements
The Logix Solutions Billing and Settlements module delivers all of the business process automation carriers and brokers need to accurately compose and get their bills out the door, while skipping most of the non-value added work and only dealing with the exceptions that need attention.
Logix Solutions Accounts Payable
McLeod's Logix Solutions' new Accounts Payable module delivers business process automation that our customers have been asking for to help manage their payables process. As with all Logix Solutions products, this module automates the routine and allows people to deal only with the exceptions that need attention.
InGauge and the TCA Benchmark Program
Working with TCA inGauge, TCA's online benchmarking service, McLeod Software has created automated reporting functions that let our customers generate, with the click of a mouse, the monthly data exports from their LoadMaster system, which are necessary for the Benchmarking program. This includes an automated data export for all 334 items submitted monthly by the Best Practice Group members and the 72 items submitted by the on-line subscribers in this program.
This new product makes the accurate export of the required data as simple and fast as it can possibly be; it has been tested with the InGauge system used to collect the benchmarking data. This saves labor hours and ensures consistency in creating the data imported by inGauge.
Google Places
McLeod customers can now leverage "Google Places" to help them clearly identify stops. This new integration with Google Places API has been added for LoadMaster and PowerBroker. As a user adds a new location or customer, a search string can be sent to Google Places to return the appropriate match. Once selected, all of the available master file data is updated with the information. This simplifies the data entry process and provides a mechanism to prevent duplicate records by utilizing the Google Places ID.
McLeod Market Insight
Market Insight collects rate data from hundreds of active McLeod customers every day, and compiles detailed average rate data for lanes between 130+ markets in the U.S. Because all of the contributors are current McLeod LoadMaster or PowerBroker users, this view of the market rates represents companies of substantial size, and gives a different perspective for McLeod customers when compared to the data sourced from other rate aggregators.
We continue to add enhancements to Market Insight, and one goal this year was to help our customers understand current market rates at a deeper level to help guide their internal pricing decisions. Power Matrix is a new Market Insight tool designed to help our customers become smarter and more efficient with their lane pricing. This feature will generate a spreadsheet, complete with average linehaul rates for quick state-to-state pricing based on a variety of available parameters. including time frame, rate type, and trailer type, in order to generate a matrix that can be printed or referenced in situations where an average rate-per-mile is quickly needed.
Another new Market Insight tool, the Bulk Rate Template, has been created to allow users to submit a spreadsheet of city, state, lane pairs and receive Market Insight rates of their choosing. The new template will calculate billing and fuel miles for the lane pairs during the process. These enhancements make it easy for users to provide flat rate quotes a customer bid proposal.
Pricing & Bid Management
Adoption of McLeod's Pricing & Bid Management product for PowerBroker and Loadmaster has continued to grow, spurred especially by the uptick in shipper RFPs this year. New features added during the last year make this product more attractive than ever. Pricing & Bid Management provides an environment inside the customer's system to import shipper RFPs, work them, then export the finished bid in the shipper's required format.
The Pricing Scoreboard within McLeod's Pricing & Bid Management module presents each lane in the bid as a row in a configurable grid within the LoadMaster and PowerBroker environment to make it easier to sort columns of data in any order and compare rates by lanes. A new Excel export lets customers move the data to that tool in the same format.
Market area definitions have been added to lane segments, so customers can use them to group lanes within the scoreboard and make it easier to sort, see, and address similar lanes. The Bid Processor import tool will complete missing city/state/zip detail by validating the imported details from the shipper RFP against the city table, and compare the detail against the system's city table to find missing fields. Completing the lane bids in the scoreboard with valid cities ensures accurate mileage lookups and the correct assignment of market areas in the bid process. This is important since shipper RFPs tend to shortchange lane mileage from what the carrier or broker actually needs to cover.
PNN & Carrier Preferences for Brokerage
PowerBroker's Private Notification Network (PNN) module helps brokers identify the right carriers in their existing carrier base to offer the types of loads that fit their preferences. PNN automates the entire process to save time and help brokers cover more loads faster. In the last year, the capabilities of this module were improved and expanded based on user feedback. PNN has a brand new version of the Available Loads report, sent to carriers, that makes it easier to read and understand along with new built-in hyperlinks for loads, which carriers simply click on for the loads they are interested in.
PNN's carrier preferences have been restructured to create a more detailed carrier lane definition for a carrier's preferences. Using the more detailed data in lane definitions, it is possible to set up very finely tuned lane filtering for the broker's existing carriers, and get faster, more accurate representations of the lanes that are truly of interest to those carriers. The new automation and presentation options in PNN make it simple to identify the loads that match the freight a particular carrier is looking for and offer it to them.
Helping Brokers Better Manage and Grow their Carrier Base
Another significant area of investment in the last year has been finding new ways to help brokers grow and sustain their base of high quality carriers. New features in PowerBroker put McLeod customers ahead of the game by having the best tools in the industry.
Carrier Relationship Management
Just as McLeod's Customer Relationship Management system, integral to LoadMaster and PowerBroker, is about finding new customers, we have added a new product within PowerBroker that shares most of the same capabilities, but aimed solely at building and executing the broker's carrier recruiting strategies. These new Carrier Relationship Management capabilities allow management teams to establish defined action plans to contact and maintain carrier relationships.
And just as Customer Relationship Management works, each carrier can be assigned a salesperson and/or a carrier relationship manager. Marketing programs and recurring calls can be set up and tracked. The module provides a CRM type workflow for carrier recruitment.
Carrier Onboarding Automation
Earlier in this document, we referred to the Logix Solutions Carrier Onboarding product that is now part of PowerBroker. This solution not only to automates the onboarding process, but also makes it easier for carriers to do business with McLeod PowerBroker customers, because they no longer have to print out forms, fill them out, then fax them back.
With absolutely no paper required, the solution utilizes our Carrier Packet eForm and is driven by a detailed workflow. The evaluation of prospective carriers is fully automated, utilizing PowerBroker and specific rules the broker sets to determine if the carrier meets the requirements. Criteria collected from
3rd party carrier services, as well as insurance information in PowerBroker, are all used in qualifying carriers and determining if they are acceptable within the broker's defined levels of risk tolerance.
The system is setup to automatically review, approve, or reject the prospective carriers quickly, while giving the broker visibility into the entire onboarding process. Following carrier activation, the management solution monitors PowerBroker for expiring insurance documents, and automatically sends an eForm to those carriers, prompting them to submit the updated paperwork.
New Integration Solutions
McLeod Software is differentiated in our industry by the number of fully supported integration solutions we offer with industry leading products offered by our over 87 certified integration partners. And this list continues to grow. Below are listed the new integration solutions and enhancements to existing integration solutions that have been added since our last User Conference.
Load Tracking for PowerBroker
In-Cab Mobile Communications
Trailer Tracking
VoIP Phone Systems
Fuel Cards
Carrier Onboarding, Monitoring, and Loadboards
Preparing for the Food Safety Modernization Act
Since the new food safety rules for transportation were published back in the spring of this year, McLeod Software has been studying how the Food Safety Modernization Act (FSMA) is going to impact our customers. We have been in discussion with our refrigerated carriers and brokers, who will need to work with their food shippers to put in place the right training, procedures, processes, and reporting for compliance. These changes have great potential to add to the total cost of handling refrigerated food shipments. While our current LoadMaster system has all the elements to support the FSMA requirements for carriers, we see a great opportunity to help both our carrier and brokerage customers with robust automation that helps them deal with the wide variety and diversity of shipper FSMA requirements they are likely to face.
Upcoming Products Announced at this Conference
McLeod Software continues to be the industry leader in providing mobile applications that expand our customer's ability to use their system away from the office. We have over two hundred current LoadMaster and PowerBroker customers who have deployed McLeod Anywhere, our mobile application that extends the functionality of LoadMaster and PowerBroker to phones and tablets.
At last year's conference, we introduced our Customer Branded Driver App for carriers, and it has already been deployed to thousands of drivers across the country. This year we are pulling the wraps off even more mobile solutions for our customers.
McLeod Logix Anywhere
This product will take FlowLogix applications and use cases to mobile devices and web browsers with a development environment that lets customers structure workflows or whole applications, using McLeod FlowLogix, then deploy them across the full spectrum of mobile devices.
McLeod Carrier Mobile App for PowerBroker
This new mobile app for iOS and Android devices offers the same capabilities of the current PowerBroker carrier portal, and much more. It can be used by the office staff at the broker's carriers to see and accept load offers and view settlement information. A separate component app can be downloaded by the carrier's driver to provide load tracking, collection of trip documents, and capturing OS&D Claims.
During the 78th Annual Convention in Las Vegas, Nev., the Alabama Trucking Association gave McLeod Software founder Tom McLeod its highest honor for a member, the H. Chester Webb Award for Distinguished Service.
Known simply as The Webb Award, the honor is given annually to recognize individuals for service, leadership and contributions to Alabama's trucking industry, the Association and the communities where they reside. "All that ATA has accomplished in its eight decades of serving and protecting the state's trucking industry are the results of dedicated businessmen and women who sacrifice time and resources from their personal endeavors to make our industry better and safer for all," said ATA President & CEO Frank Filgo. "Many of these leaders do this without any expectation of return; it's simply their way of giving back." Filgo, a Webb Award winner himself in 2015, described McLeod as a "selfless leader who shies from the spotlight, but is always prepared to do the right thing even if the payoff for him personally isn't there. "He personifies the ideal Alabama Trucking Association member with consistent efforts and dedication to the Association through the years," Filgo said. "He is intelligent, strong, deliberate, reliable, and loyal to the core.
Starting the business out of his home in 1985, McLeod's company now employs more than 360 people with offices in Birmingham, Ala. Salt Lake City, Utah, and Chicago, Ill. For more than 30 years, McLeod Software has been a leading provider of transportation dispatch, accounting, operations and brokerage management software and document management systems. Despite his company's incredible growth in recent years, his dedication to this state trucking association is as strong as ever. He's been one of this Association's most supportive members, volunteering time, money and expertise to the group's many projects and events. McLeod has served on the ATA Board of Directors since 2002, lending his talent and resources to numerous committees and special projects. Several years ago, Association leaders proposed a complete overhaul to its annual ATA Golf Classic, the sole fundraiser for the ATA's political action committee, TRUK PAC. McLeod Software was among the project's first major financial contributors. The company's $15,000 donation spurred sponsorship totals and participation that year that were, at the time, the most the Classic had ever collected. Since then, McLeod has appeared as the Classic's marquee sponsor three more times (2013, 2014 and 2015). At the national level, McLeod serves on the Truckload Carriers Association Board of Directors, spearheading that group's Scholarship Committee. He is also active with the American Trucking Associations and its Technology & Maintenance Council. His articles on fleet management and technology have appeared in numerous industry publications, including Transport Topics, Commercial Carrier Journal and Fleet Owner.
Many of the challenges companies face today are related to the limited visibility into the factors that drive their business and not understanding a lot of the complex relationships or cause and effect relationships that exist in the business. The ability to capture and record information is not the problem. The issue has become making sense of it by putting it in the context you need to understand it, and seeing the trends, both near term and short term.
Providing Insight That Matters
We developed McLeod IQ to provide insight into key indicators that are important to your business. With IQ Solutions you have the ability to access and analyze LoadMaster®, PowerBroker® and 3rd Party data with the reporting tool of your choice. McLeod IQ utilizes the Microsoft Business Intelligence stack to create a multidimensional cube that aggregates your important metric data in a way that is easy for you to understand, report and more importantly analyze it. The data cube architecture shows your important KPIs against any type of dimensional data (Example: Customer/Location/Driver) thereby showing you relationships and any correlations that are not normally easy to see from standard reports. McLeod IQ is built with flexibility in mind. We understand the importance of being able to "slice and dice" the data and the ability to change the way you calculate your KPIs. For example, if you have a KPI called Margin % by Ship Date and want to see it by delivery date it's as simple as selecting the new date from the cube. The data is captured at the lowest level to allow for drill down on the aggregated data meaning you can spot things at the summary level and drive deep into the details with ease
McLeod IQ also provides access to the data warehouse for users to pull in other data sources that may not be part of your McLeod system. The data warehouse structure is setup to provide a layout that is familiar to a LoadMaster/PowerBroker user. Report users can access the data warehouse directly and pull data into Microsoft Excel or other 3rd party applications with the understanding of the data relationships. Both the cube and the data warehouse use a copy of the production environment to help minimize any potential impact on the performance of your server.
Discover Trends
Do you have the ability to see important trends in your business? Do you have a good understanding of your lanes, what carriers you should not be using, and how long it takes to go from order to cash? McLeod IQ provides several key measures that can be setup to show trends and help you forecast and plan for growth. Having the ability to see fluctuations and trends early on in the process can help you make adjustments in time frames that make a difference in the outcome. You also have the option to define your own goals within the reporting layer or utilize the goals set within the LoadMaster/Powerbroker application to be pulled into the cube for trending and analysis. The refresh of the dashboards and reports can be configured according to your cube refresh schedules and system architecture allowance.
Taking Action
McLeod IQ Solutions gives you the ability to see things that should influence critical decisions about your business. Criss Wilson, with Barton Logistics states, "The cube allowed Barton Logistics to mine the transaction data to discover the patterns associated to the business that was not generating target margin. Once we understood what was costing us money, we began to understand the reasons why. Once the reasons why were known, we changed our approach, our thinking around it, and our processes that supported it. The business in question moved from unprofitable to profitable as our actions took effect. The action items ranged from: adaptive (new processes); to corrective (process do-over/fixes); to perfective (graphic measurement of results). Combined we're making money on a range of transactions where once we didn't." McLeod also offers business intelligence consulting to help you understand the key factors that drive your business and assist with setting up interactive dashboards and reports.
Trust Your Data
Have you ever wondered where those report values are coming from? With McLeod IQ Solutions, you gain access to the aggregated cube and data warehouse and also receive detailed documentation that shows you exactly what information is available and where it is coming from within the LoadMaster/PowerBroker System. You will be able to validate the report data using the documentation to view the source data and ensure accuracy of your reports. The documentation also provides instruction on how to produce dashboards and reports using Microsoft Excel and Power BI.
Effective employee management is essential to achieving your business goals. Here are your employee management absolute musts:
To do this you need to assess what they are capable of - the qualities they bring to the table, whether they have the skills and knowledge your business needs, and whether you have the right people in the right jobs. Making this assessment is analogous to being a football coach and determining whether a particular player can play a certain position and/or what it might take for him to be able to play it. As a result of your assessments, you may decide that you need to provide certain employees with training, move other employees into different jobs, or even get rid of certain employees.
If they don't know how to do what they should be doing, they are not goingto raise their hands and tell you. They will fake it instead and do the best they can, which will create your business, it's your responsibility to provide your employees with the information and skills they need to accomplish their jobs. Since I began my career, I've visited more than 500 different brokerage operations across the US, and by and large I've found that they were doing a consistently bad job of employee training. Consider Brokertrain as an exceptional freight broker training program. The online platform gives personnel the knowledge and skills they need to become effective members of a powerful team.
Make sure that your compensation plan and your business goals are in sync - the plan should help move your business toward those goals. For example, if you want high margins, base your employee bonuses on achieving those margins, and if you want to increase your company's load count, then your compensation plan should reward for increases. People will do what will earn them the most money, so make sure that everyone in your business understands your goals and what they can do to help achieve them.
As entrepreneurs with high expectations for ourselves, we assume that everyone else has the same expectations for themselves. But that's not the case. Therefore, if you want your employees to achieve a high level of performance, you must let them know what you expect from them and you must do that on an ongoing basis, even once your employees are operating at the level you've set for them. You risk that they will become complacent and slip backwards otherwise.
By David Roush, President of KSM Transport Advisors, LLC.
There is a common assumption that the impending mandate to move from paper logs to electronic logging devices (ELDs) will steal time from carriers. Paper logs have a reputation for allowing drivers to squeeze in a few more minutes here and there so they can get more done before taking a break. The use of ELDs will eliminate a driver's ability to alter their time. Conventional wisdom suggests that carriers will encounter more headaches around getting freight delivered on time. Although this is certainly true in many situations, and many fleets have documented reduced capacity with ELDs, there is a flip side. When each driver's hours of service can be managed electronically, dispatchers have an opportunity to optimize driver availability.
Having visibility into driver hours means that it is possible to devise a more efficient plan and avoid aggravating delays that occur when a driver unexpectedly runs out of hours. This visibility allows you to see which driver has the hours required for each load and assign the loads accordingly. Instead of impeding the flow of operations, ELDs could increase productivity among the carriers who strategically use this technology. And, when productivity goes up, profit follows. It is all about time.
On March 31st the FDA submitted the final rule to the sanitary transportation of human and animal food to be published in the federal register. The rule was formally published on Wednesday, April 6 and will go into effect on June 6th 2016. Companies will have one year from this date to comply, and small businesses (<500 employees and $27,500,00 in annual receipts) will have 2 years to comply.
Several changes were made with the final ruling after gathering feedback from the industry. These changes include:
I've been hearing a lot of talk recently about McLeod's company growth. Can you tell me about that?
Sheila: It's an exciting time at McLeod Software. Since 2010, the company has grown rapidly; by July of this year, we were over 375 employees and on our way to over 400 total employees by the end of this year. Over the last five years, we have hired approximately 250 additional people to help support our customers and their business needs.
Kasey: McLeod has experienced substantial growth since 2010 from investing in all areas of its business.
What is the driving force behind such explosive growth over the last five years?
Sheila: Our market share has grown dramatically. While growing our share of customers in the midmarket segment of our industry, we have also had a breakthrough with our enterprise accounts business, serving the largest carriers and logistics companies in our industry.
Kasey: McLeod has invested heavily in product development throughout its history. Those investments have created significant customer and revenue growth that have allowed McLeod to continue to invest even more aggressively in product development and in its services operations. Investments in LTL development have led to much of the recent growth.
Are there certain areas of the company that have experienced more employee growth than others? What can we expect to see from that growth?
Sheila: We've continued making strategic investments in both product development and customer service operations. To that end, we've spent considerable time hiring the best developers, project managers, customer trainers, and account managers who come from the industry. We are working hard during this period of growth to ensure that our current and prospective customers continue to receive the best service and support they have come to know and expect from McLeod.
Kasey: McLeod's product and services teams have grown the most. We have seen the most recent growth in our specialized services and in our LTL services.
I read a lot about the challenges many companies are having to recruit and retain top talent in the industry. How has that impacted McLeod's ability to grow?
Sheila: Like many companies across the country, we are not immune to the effects of the labor shortage in the high tech sector. However, where we are unique, is that we have been very fortunate to be able to recruit and retain some of the brightest and most talented people in this industry – many of them from both employee and customer referrals. Today, approximately one-third of all hiring comes through employee referrals. Even more impressive, is that we've been able to retain close to 90% of our employees, over the long-term, even at our rapid rate of growth.
Kasey Burleson is the Chief Financial Officer for McLeod Software and is a Certified Public Accountant. He has been with McLeod Software for 8 years and is responsible for the company's Accounting department.
Sheila Storch is the Vice President of Human Resources for McLeod Software. She joined McLeod Software in 2013 as an executive with a consistent record of delivering human resources (HR) solutions that increase sales and support corporate growth.
By Ben Barnes, Systems Director at McLeod Software
Consider these simple facts:
• Your company's data is vitally important to your business success.
• All of your software systems depend on access to your server's database.
• Without the proper attention to your database by highly-skilled IT personnel, you run the risk of diminished systems efficiency, costly downtime, and corrupted data. In the worst cases, you may lose critical data entirely.
• It may be cost prohibitive to hire an in-house database administrator who can address these issues.
McLeod is now offering a better solution - the Virtual Database Administrator (vDBA). McLeod vDBA remotely monitors critical database operations. If functional problems arise with the database, vDBA generates alerts that go out both to the McLeod vDBA team and designated staff at your company. Actions can then be taken to address minor issues before they become major problems. This ensures system availability, trouble-free operation, and optimal performance.
We've all learned the advantages of preventative maintenance on our cars. None of us would expect to drive 100,000 miles without having a skilled mechanic inspect and maintain the car's engine, brakes, and other systems as needed. Databases need preventative maintenance as well, but too many companies are failing to address this need.
The Risks of Database Neglect
Databases are working constantly in the background, and without proper maintenance their performance degrades. Your database loses speed and efficiency, and in the worst cases, it crashes. Keep in mind that if your database crashes, LoadMaster, PowerBroker, and DocumentPower cannot function.
One of the essential business challenges is learning how to manage risk. What risks are you taking with your data? How much would it cost you to have your system down for one hour or longer? How much time are you losing trying to handle systems maintenance without the right IT personnel on staff?
It's not easy to put a dollar figure on lost productivity, but it's safe to say that unplanned system downtime is extremely expensive for businesses of any size. The same is true for the costs incurred when data is corrupted or lost. In the end, every successful business must take steps to avoid these outcomes.
The Benefits of McLeod vDBA
McLeod vDBA offers a wealth of advantages:
• Your systems are monitored around the clock. We install monitoring software that operates 24/7, ensuring that steps can be taken proactively to manage and restructure the database, so that it never degrades. End users never encounter any problems.
• You have access to technical support when you need it. You have access to support from highly-skilled and experienced database management professionals when you need it, so you avoid the high cost of hiring specialized IT personnel that you don't need as full-time staff.
• You receive regularly scheduled reports. We provide a Monthly Health Report that has historical performance evaluation, database log events, and general system statistics.
• You get the benefits of McLeod expertise. Our vDBA team has direct access to the developers of your McLeod system. You don't waste time trying to determine the root cause of system problems, because we'll be able to see if software, data, or the database is causing the difficulty.
Sleep Well Knowing McLeod is Monitoring Your Systems Around the Clock
Your data is the lifeblood of your business, so you need to protect it. Let McLeod help. McLeod vDBA will monitor your systems around the clock and our team of highly-trained technicians will work with you to ensure optimal performance. You'll sleep well knowing that your data is safe and available.
Tom McLeod founded McLeod Software in 1985. Rusty Watkins joined the company in 1986 and continues to serve as Executive Vice President and Chief Information Officer.
What do you remember about the early days of McLeod Software?
Tom: When the company first started, it was just me. At one point I had a programming contract that would require all of my attention for four months. I knew that I could sit down and do it, but after that was done, I would essentially be out of business, because I wouldn't have any time to go out and generate business. The other option was to hire someone to help with the programming, which would allow me to go out and try to sell the next deal. That's what I did, and the rest is history. I focused on bringing in people and looking ahead to the next month.
Rusty: At the start there were only a few of us and everybody did everything. Each of us needed to know how to support the product, how to train on the product, how to sell the product, and how to develop and design the product. It was definitely not a boring time.
So many new businesses fail in the first few years. What allowed McLeod Software to survive?
Tom: We had the good fortune of starting the company at the right time. The use of computers in business was increasing rapidly, especially with small and mid-sized businesses, which was our target at that time. If we had started five years earlier or five years later, I don't know if we would have been successful. Timing is essential. Part of it depends on you, and part of it depends on things you have no control over.
Do you have a business philosophy that has guided you over the years?
Tom: I came up with three basic rules for business success. The first is "Spend less than you take in." You must be fiscally responsible. As long as you make more money than you spend, you get to keep playing the game. The second is "Do what you say you'll do." Your customer has an expectation, and if you can deliver on that better than your competitor, then you will win in the marketplace. The third is "Know what you're doing." You've got to be good at what you're doing. There were 50 or 60 regional players developing software for the trucking industry in the late 80s and early 90s, and many of these didn't succeed because they failed to follow one or more of these rules.
I later added a fourth rule, which is "Treat everyone—customers, employees, and vendors—with respect and dignity." Following this rule alone won't guarantee business success, but it does help. Your people stay longer, you keep your customers longer, and your vendors work with you better, if you treat them right.
Rusty: Tom's rules may seem overly simplistic, but they proved to be essential to our success. I think there's one more rule that has helped us succeed, and that is, "Don't be afraid of innovation." Tom has always encouraged people to try out new things. He wants people not to be afraid of taking reasonable risks.
In the late 90s, you decided to make the rewrite all of the software code from the ground up in a new language, Java. Why did you make this move? Was it a nerve-wracking transition?
Tom: We were having success with our product in those early years, but it was a character-based, green-screen application. It was obvious by the early-to-mid 90s that everyone was moving to graphical user interfaces—Windows look and feel. We started evaluating technologies, and our first move was to get our dispatch system ready to go in 1998 in a language called Delphi. Our plan was to rewrite one module at a time, and build it on top of our old database, but something new developed in the computer programming world around that time. The entire market was moving to support a platform based on the Java programming language. We decided to stop the Delphi-based project and start over, which was a bold move, but we wanted the platform that would enjoy the most support from the industry, including all of the vendors. It helped that business was fabulous in the late 90s. Extra sales were being driven by Y2K. We were so busy with meeting demand for our products that we didn't get started in earnest with rewriting everything until the spring of 2000.
It was nerve-wracking, but mainly because it was taking much longer to do the rewrite than we had predicted. We underestimated the amount of time it would take. If I had been told how long it was going to take, I would have said, "Just shoot me now. We're never going to make it." But we hung in there. We had great staff managing the development. We revamped our entire development process, including some wonderful improvements in the way we do design work, testing, and quality assurance. That put us on a sound footing for the years leading up to today, as we've continued to build out a very robust product.
Rusty: We were confident that we were making the right decision technically, because we had spent so much time doing the research, but we were in the midst of a down market in the early 2000s. The challenge was surviving on the current product in a down market while you're putting so much company time and energy into developing the new product. It can be nail-biting. The anxiety was less in the product itself and more in the market. Are we going to be around to see this new version? We did manage to squeak by and come out in a positive way on the other side.
What are the company's biggest achievements over these thirty years?
Tom: I've proud of the fact that we've been able to create a good working environment that has attracted such a wonderful group of people to work here. A significant number of the people on our staff have worked here for many years. I'm also honored by the customers who have stayed with us for so many years. We have a very high retention rate.
Rusty: The company has grown substantially, and our growth has been almost entirely organic, as opposed to growing through the acquisition of other companies. I think that underscores the quality of the products we've made all these years and the way we've conducted business.
What do you see ahead for McLeod Software?
Tom: I have the lofty goal of wanting to structure things so that the company is able to carry on the tradition of high standards, high service, and the highest quality products for years to come.
Rusty: The main thing as we move forward is to keep to our principles. As we grow larger, we don't want to lose that sense of family, that personal touch that we have always had at McLeod.
By Randy Seals, McLeod Software Customer Advocate
In my trucking career I've known tons of drivers. For many years part of my job was hiring drivers, and I never once encountered a driver who took the job with the intention of quitting. They want it to work. So if you want to keep them, here are some simple things you can do.
Provide them with good equipment.
Don't expect your drivers to be thrilled about the job or take pride in your company if your equipment is in need of repair and unsafe. Make truck maintenance a priority, but don't stop there. Truck driving is a grueling occupation, so think about their comfort too. Drivers who can count on driving safe, reliable, clean, and comfortable equipment are not eager to give it up.
Make sure they get home regularly.
Too many of us don't fully appreciate the sacrifices drivers make by being away from home so much of the time. They miss birthdays, anniversaries, and a million other important family events. They can't always get back quickly when an emergency occurs. It's a tough life and that's why you need to help your drivers get home regularly—especially when they need to be home.
Make them part of the team.
Drivers are on the front line. They know things no one else at the company knows, and yet too many times we forget to include them. Don't make that mistake. Ask them for their opinions, get their advice, make use of their perspective, tap into their store of knowledge. Listening is half of it. The other half is talking to them. Explain your corporate goals, share information, bring them behind the curtain so that they understand the decisions that are being made and the changes that are occurring.
Get everyone involved in driver retention.
People throughout the business may have contact with drivers, and every encounter is an opportunity to promote driver retention. Educate everyone in the company about the challenges that drivers face and the policies that are in place to support them. For example, make sure the maintenance crew understands that properly maintained equipment is not just about avoiding breakdowns and losing points on safety inspections. It's also about supporting the drivers.
Give them the miles they need.
Drivers are trying to make a living, so keep your side of the bargain and make sure you're providing your drivers with enough work to earn the income they need. This won't be the same for every driver, so make a point of finding out what each driver wants and do your best to meet those requests.
Treat them with respect.
Drivers are often treated as an insignificant cog in the works, but not a single piece of freight gets delivered without a driver. Drivers are just like you and me. They want to be treated with respect. They lead a lonely life out on the road, so it may help to give them reminders that they are valued members of the enterprise. Send them birthday greetings, learn about their families, find out what their interests are, and just make a point of communicating, not by text or mobile comm, but on the phone and in person. Regular attention in this way can be the difference between retaining or losing a driver.
Show them the money.
Money matters to everyone, including drivers. If your company is growing, if you're adding trucks and hiring new drivers, if the top management is driving expensive new cars, the drivers can see what's going on. Don't expect them to be thrilled by a small increase in pay. Share the wealth. If you don't, don't be surprised when they switch to another company that understands that driver pay is one of the top priorities.
Don't ever forget that your business won't run without your drivers. Treat them well and the best ones will stay with you.


text:
Forward secrecy(Redirected from Perfect forward secrecy)
In cryptography, forward secrecy (FS), also known as perfect forward secrecy (PFS), is a property of secure communication protocols in which compromises of long-term keys does not compromise past session keys.[1] Forward secrecy protects past sessions against future compromises of secret keys or passwords.[2] If forward secrecy is used, encrypted communications and sessions recorded in the past cannot be retrieved and decrypted should long-term secret keys or passwords be compromised in the future, even if the adversary actively interfered.
The term "perfect forward secrecy" was coined by C. G. Günther in 1990[3] and further discussed by Whitfield Diffie, Paul van Oorschot, and Michael James Wiener in 1992[1] where it was used to describe a property of the Station-to-Station protocol.[4]
Forward secrecy has also been used to describe the analogous property of password-authenticated key agreement protocols where the long-term secret is a (shared) password.[5]
Annex D.5.1 of IEEE 1363-2000 discusses the related one-party and two-party forward secrecy properties of various standard key agreement schemes (for two-party forward secrecy properties compare below 2WIPFS: "2-Way-Instant-Perfect-Forward-Secrecy").
A public-key system has the property of forward secrecy if it generates one random secret key per session to complete a key agreement, without using a deterministic algorithm. This means that the compromise of one session cannot compromise others as well, and there is no one secret value whose acquisition would compromise multiple sessions. This is not to be confused with the perfect secrecy demonstrated by one-time pads: when it is used properly, the one-time pad involves multiple parties agreeing on a set of disposable keys by communicating it fully in private—without a formalized key agreement system—and then using each key for one message only.
Forward secrecy is designed to prevent the compromise of a long-term secret key from affecting the confidentiality of past conversations. However, forward secrecy cannot defend against a successful cryptanalysis of the underlying ciphers being used, since a cryptanalysis consists of finding a way to decrypt an encrypted message without the key, and forward secrecy only protects keys, not the ciphers themselves. A patient attacker can capture a conversation whose confidentiality is protected through the use of public-key cryptography and wait until the underlying cipher is broken (e.g. large quantum computers could be created which allow the discrete logarithm problem to be computed quickly). This would allow the recovery of old plaintexts even in a system employing forward secrecy.
Weak perfect forward secrecyEdit
Weak perfect forward secrecy (wPFS) is the weaker property whereby when agents' long-term keys are compromised, the secrecy of previously established session-keys is guaranteed, but only for sessions in which the adversary did not actively interfere. This new notion, and the distinction between this and forward secrecy was introduced by Hugo Krawczyk in 2005.[6][7] This weaker definition implicitly requires that full (perfect) forward secrecy maintains the secrecy of previously established session keys even in sessions where the adversary did actively interfere, or attempted to act as a man in the middle.
This section relies too much on references to primary sources. (December 2015) (Learn how and when to remove this template message)
Forward secrecy is present in several major protocol implementations, such as SSH and as an optional feature in IPsec (RFC 2412). Off-the-Record Messaging, a cryptography protocol and library for many instant messaging clients, provides forward secrecy as well as deniable encryption.
In Transport Layer Security (TLS), Diffie–Hellman key exchange-based PFSs (DHE-RSA, DHE-DSA) and elliptic curve Diffie–Hellman-based PFSs (ECDHE-RSA, ECDHE-ECDSA) are available. In theory, TLS can choose appropriate ciphers since SSLv3, but in everyday practice many implementations have refused to offer forward secrecy or only provide it with very low encryption grade.[8]
OpenSSL supports forward secrecy using elliptic curve Diffie–Hellman since version 1.0,[9] with a computational overhead of approximately 15%.[10]
The Signal Protocol uses the Double Ratchet Algorithm to provide forward secrecy.[11]
On the other hand, among popular protocols currently in use, WPA doesn't support forward secrecy.
Forward secrecy is seen as an important security feature by several large Internet information providers. Since late 2011, Google provided forward secrecy with TLS by default to users of its Gmail service, Google Docs service, and encrypted search services.[9] Since November 2013, Twitter provided forward secrecy with TLS to its users.[12] Wikis hosted by the Wikimedia Foundation have all provided forward secrecy to users since July 2014.[13]
Facebook reported as part of an investigation into email encryption that, as of May 2014, 74% of hosts that support STARTTLS also provide Forward Secrecy.[14] As of June 2016[update], 51.9% of TLS-enabled websites are configured to use cipher suites that provide forward secrecy to modern web browsers.[15]
At WWDC 2016, Apple announced that all iOS apps would need to use "ATS" (App Transport Security), a feature which enforces the use of HTTPS transmission. Specifically, ATS requires the use of an encryption cipher that provides forward secrecy.[16] ATS became mandatory for apps on Jan 1st, 2017.[17]
See alsoEdit
- ^ a b Menzies, Alfred; van Oorscot, Paul C.; Vanstone, SCOTT (1997). Handbook of Applied Cryptography. CRC Pres. ISBN 0-8493-8523-7.
- ^ Wu, Thomas (1997-11-11). "The Secure Remote Password Protocol". Internet Society Symposium on Network and Distributed System Security. CiteSeerX 10.1.1.81.7567 . Retrieved 16 October 2015.
- ^ Gunther, C. G. (1990). An identity-based key-exchange protocol. Advances in Cryptology EUROCRYPT '89 (LNCS 434). pp. 29–37.
- ^ Diffie, Whitfield; van Oorschot, Paul C.; Wiener, Michael J. (June 1992). "Authentication and Authenticated Key Exchanges" (PDF). Designs, Codes and Cryptography. 2 (2): 107–125. doi:10.1007/BF00124891. Retrieved 2013-09-07.
- ^ Jablon, David P. (October 1996). "Strong Password-Only Authenticated Key Exchange". ACM Computer Communication Review. 26 (5): 5–26. CiteSeerX 10.1.1.81.2594 . doi:10.1145/242896.242897.
- ^ Krawczyk, Hugo (2005). HMQV: A High-Performance Secure Diffie-Hellman Protocol. Advances in Cryptology – CRYPTO 2005. Lecture Notes in Computer Science. 3621. pp. 546–566. doi:10.1007/11535218_33. ISBN 978-3-540-28114-6.
- ^ Cremers, Cas; Feltz, Michèle (2015). "Beyond eCK: perfect forward secrecy under actor compromise and ephemeral-key reveal" (PDF). Designs, Codes and Cryptography. Springer US. 74 (1): 183–218. doi:10.1007/s10623-013-9852-1. Retrieved 8 December 2015.
- ^ Discussion on the TLS mailing list in October 2007
- ^ a b "Protecting data for the long term with forward secrecy". Retrieved 2012-11-05.
- ^ Vincent Bernat. "SSL/TLS & Perfect Forward Secrecy". Retrieved 2012-11-05.
- ^ Unger, Nik; Dechand, Sergej; Bonneau, Joseph; Fahl, Sascha; Perl, Henning; Goldberg, Ian; Smith, Matthew (17–21 May 2015). "SoK: Secure Messaging" (PDF). 2015 IEEE Symposium on Security and Privacy. San Jose, CA: Institute of Electrical and Electronics Engineers: 241. doi:10.1109/SP.2015.22. Retrieved 4 December 2015.
- ^ Hoffman-Andrews, Jacob. "Forward Secrecy at Twitter". Twitter. Twitter. Retrieved 25 November 2013.
- ^ "Tech/News/2014/27 - Meta". Wikimedia Foundation. 2014-06-30. Retrieved 30 June 2014.
- ^ "The Current State of SMTP STARTTLS Deployment". Retrieved 7 June 2014.
- ^ As of June 2, 2016. "SSL Pulse: Survey of the SSL Implementation of the Most Popular Web Sites". Retrieved 2016-06-17.
- ^ https://developer.apple.com/library/ios/releasenotes/General/WhatsNewIniOS/Articles/iOS9.html#//apple_ref/doc/uid/TP40016198-SW14
- ^ "App Transport Security REQUIRED January 2017 | Apple Developer Forums". forums.developer.apple.com. Retrieved 2016-10-20.
External linksEdit
- RFC 2412 IETF, H. Orman. The OAKLEY Key Determination Protocol
- Forward-secure-survey An overview
- Forward Secrecy can block the NSA from secure web pages, but no one uses it Computerworld June 21, 2013
- SSL: Intercepted today, decrypted tomorrow Netcraft June 25, 2013
- Deploying Forward Secrecy SSL Labs June 25, 2013
- SSL Labs test for web browsers
- SSL Labs test for web servers

subset: commoncrawl


text:
What does FPIC mean in Community?
This page is about the meanings of the acronym/abbreviation/shorthand FPIC in the field in general and in the Community terminology in particular.
Foster Partner In Care
Find a translation for FPIC in other languages:
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Discuss this FPIC abbreviation with the community:
Use the citation below to add this abbreviation to your bibliography:
"FPIC." Abbreviations.com. STANDS4 LLC, 2018. Web. 24 Feb. 2018. <https://www.abbreviations.com/term/213721>.


text:
TeenyLovers - Alice - Nothings Better Than Sex (SD/297 Mb)
22-03-2015, 23:51
Original Name: Nothings Better Than Sex
Starring: Alice
Studio: TeenyLovers
Genre: Teen, All Sex, Amateur, Facial, Students, Blowjob, Cumshots, Slender, Shaved, Brunette, Natural Tits
Duration: 22 min.
We just couldn't wait to show you our new private porn video with this cute teen brunette. She had to stay home on a rainy day and called her ex-boyfriend who happened to be one of our favorite guys on the site. She could never resist her desire for his big creamy cock and you gotta see her happy smiling face after he fucked her mouth and pussy to orgasm and blew a big load of hot semen right on her sexy lips
Quality: SD
Format: MP4
Video: 640 x 480, 1881 kbps
Audio: MPEG-4, 44100Hz, 128 kb/s, Stereo
Size: 297 Mb
Download: TeenyLovers - Alice - Nothings Better Than Sex (SD/297 Mb)


text:
First of all, sorry for the lack of photos. It's difficult to snap photos while making sure my two 4 year olds don't destroy anything or kill themselves with an 18 month old strapped to my back! I'm working on it though!
Today, the kids and I set off to the Rolling Ball Museum and the Fun Museum, which I read about on this AMAZING blog Kids Fun in Seoul. It sounded great, and I coordinate some other moms and their preschool-aged kids to meet us there. We arrived to find that of all the weeks in the year, the museum was closed this week for their yearly break. :-/
Luckily, on our walk to the museum from the subway station, we passed the Agriculture Museum and right next to it, the Rice Museum. Why not? We'd come all this way. May as well venture in!
We started at the Agriculture Museum, which felt a bit strange when we first walked in with our brood of 4 year old boys. They were loud and rambunctious, and the museum was dead silent. The women at the information desk welcomed us in, and one of the women followed us through the first floor exhibition, giving us (me, mostly, since I was the only one of the bunch who spoke Korean) brief descriptions of the dioramas.
The museum is filled with depictions of early agriculture in Korea, beginning with the Stone Age and progressing through the development of Bronze age tools, the adaptation of natural resources (abundant mountain streams to irrigate crops), and innovations that allowed for things such as growing crops during Korea's cold winters. One of the most interesting dioramas showed Korea's unique greenhouse–the very first greenhouse ever used in human history according to the museum guide–made from paper (since glass had yet to be invented) that had been treated with animal fat. Very cool!
We were guided upstairs, where the exhibition continued, showing depictions of everyday life in post-agricultural or "traditional" Korea. At the end of the exhibition galleries on the 2nd floor, there's a small room with activities for children. There wasn't a whole lot that our group of kiddos could participate in since everything was in Korean, but there were buttons to push and a couple of touchscreen activities that engaged our 4 year olds, despite their inability to understand what they were doing!
|Sorry for A) the blurred out faces of these handsome little guys, but only Charlie and Lincoln are mine, and B) the fact that I was unable to get a photo with ANY of the boys actually looking at the camera!
|No matter what, button pushing is fun.
Right next door to the Agricultural Museum is the Rice Museum. I should mention that both of these museums are sponsored/supported by NH, a major Korean agricultural company. Their green and blue NH logo can be seen all over the country–on food items, on buildings, on banks–there's actually an NH bank that was originally founded to help farmers manage their finances.
Anyway, the Rice Museum is a much more child-centered museum. The space is bright and colorful, and it's much more hands-on that the Agricultural Museum. There's a room with cute little stools for kids to sit on (or climb or rearrange) and watch a video about rice. Moms can sit in there and take a little break too!
One of the women told us about a little rice cafe upstairs on the second floor, so we ventured up there and found a cafe that sold snacks and drinks consisting entirely of NH products. There were things like rice lattes, shikhae (the sweet rice drink that's often given to you at the end of your meal at Korean restaurants), hoedduk (a pancake-like snack with melted brown sugar in the center–so good!), ddukbokki (the spicy rice cake dish often found at street vendor stalls), and rice puff snacks for kids. FYI, none of the food is prepared there. All of the food that's sold and served is from NH's line of pre-packaged instant-ready foods. The just add water and microwave. You can also purchase these items at the little shop to take home and eat at a later time.
On our way out, I noticed a sign by the door to the elevator lobby:
It appears as though the Rice Museum offers enrichment classes for children on the weekends. Obviously, these classes revolve around cooking, and I would imagine that understanding and speaking Korean is a requirement… But how fun! The youngest age group is 6-7, so my kiddos are too young to go anyway, but they would love it. I'll have to come back in a couple of years and get them in some cooking classes!
So all in all, despite our little setback at the beginning, we had a good time. We'll probably be going to the Rolling Ball Museum next week since I was able to confirm that they will, in fact, be open.


text:
by Sarah Jawaid, National Housing Conference
California legislators passed a set of bills (SB900 and AB278) July 2 that aim to stop abusive mortgage servicing practices and help homeowners avoid foreclosure. The bills, expected to be signed by Governor Jerry Brown soon, make dual tracking unlawful, a process used by servicers to expedite the foreclosure process even if families are in talks with the servicer to modify their mortgage. They also make "robo-signing," or signing foreclosure documents without review, illegal. California is one of the hardest hit states in the country, and these bills are a state-level effort building on the national mortgage settlement earlier this year.
An opposing view comes from the California Mortgage Bankers Association in their "Call to Action", where they warned that "in order to for the real estate market and our national economy to recover, it is vital that we support efforts to restore certainty to the mortgage market while avoiding an overreaction that causes harm down the road. Unfortunately, these bills work contrary to that goal, and would harm the California economy by sharply curtailing consumer choice and costing the state jobs."
Read the full story from Reuters for more information.


text:
Italian Sausage and Spinach Stuffed Sandwich Loaf
- Cooking Time: 60 min.
- Servings: 8
- Preparation Time: 20 min.
- 1 lb. portion of any whole wheat dough
- 1 cup cooked Italian sausage, crumbled or chopped
- 1 cup fresh baby spinach
- 1 cup shredded mozzarella
- 1/4 cup fresh basil, roughly chopped
- salt and pepper
- 1/4 tsp. each red pepper flakes, oregano, and dried basil, mixed
- olive oil
- Grease a loaf pan (I always line it with parchment, too).
- On a floured work surface, roll the dough into a rectangle about 1/2 inch thick.
- Sprinkle with cheese, spinach, basil, and sausage.
- Roll dough over the fillings, pinching seam and ends shut and folding them over.
- Place the roll, seam side down, into the prepare pan and let rest for 60 minutes.
- Preheat your oven to 350 degrees and when ready to bake, brush the loaf with olive oil.
- Sprinkle with spice mixture and salt and pepper to taste.
- Bake for one hour or until top is browned and bread is firm.
- Cool slightly before removing from pan.
- Slice and serve warm or at room temp.


text:
*Sniff* does Jack's comeback mean there will be no gold bikinis? Waaaaa!
… 'and now you're all my bitches!'
sweet-arse response man, sweet-arse response
Reminiscent of Naruto.
Ahhhhh! The dead are rising!!!
bausparkasse aloud assigning izlrqr readings chrysalis inland
Ambienos Portachentes avi
It absolutely not agree.
alumni ftls passing assure quards pursue pare unusual javascript campuses potency eliminate
lol jack has turned into an angry face flower
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clots spinoff jury aetat arguably reliable oxaliplatin airplane essex planted refocus
his hand is slightly cut up isnt it?
He has mole powers!!!!!
Jack cannon use Dig!


text:
Yeah He Is In Jail
I was living every day just fine, my man by my side and he was living with me, about to interview for the job he wanted, and they got him for probation violation. 6 months. What do I do now? He's been gone since april 1st. and the earliest he might get out is august. then of course we had to have some issues and argue about some stuff . . . .and then there's dealing with being a sex addict (that was hard to get over) but honestly i don't even look at anyone like i want them like that because he is who i love so seriously and i know he loves me too. and even when i knew him and wasn't his gf, he always wanted what was best for me, and even when he wanted me he bit his tongue so i could have what i thought i wanted. then i found out all along he was exactly the man i needed. the man i asked god for when i was a little girl; the man i would create myself, if i could sit down somewhere and put a man together. and now i can't have his closeness. i haven't heard his voice in a month and i feel really alone, but i know he cant call me (they got him somewhere strange)
Which of you ladies is ready to get laid by a free man
My boyfriend is in prison.. ive known and liked him about 5 years.. he knew this but he thought of it as fantasy not reality.. he must have had a low self esteem because i was in universty studying and he was doing nothing with his life but getting into trouble with the law.. i travelled about 3 hours to meet him the first time but did not tell him how much i actually liked him.. i just said i would be in the area hinting if he wanted to meet we met and after that i thought im over this i dont really need him... the first time he went to prison was last year i wrote to him when i was with my previous first boyfriend however i still had feelings for him and was heart broken when i found out he was in prison.. he came out in august and then went back this janurary hes in there for 3 years. i love him lots and i made a mistake getting with someone else i only did it to get over him.. i hope he changes and im willing to wait for him.. time and distance does not mean anything to me.. I do get confused some days but you just gotta overcome it and stay strong only times a healer x
I really miss my boyfriend. He is locked up for another 6 months. It hurts me, but we speak on the phone almost every day, I write to him every day and I had my first visit to see him about a week ago. I will be going to see him about three times a month. I think the visits will help me a lot to pass the time by, as I wait for my baby to come home to me. He is serving a full year. He will be the best Christmas present ever. I have never felt this way about any guy before. I feel so blessed. I am scared of losing him. He says to me, he can't understand why I am scared of losing him, when he is truly scared of losing me. I try to reassure him every day that I won't be leaving him. He is the one for me, I know that. I am in love with him and he makes me feel the way I have never felt before. I am only 22 and I was giving up on love and happiness, then all of a sudden I have met my soul mate and I feel so happy. I have my days where it is hard and I want nothing more than to be with him, but I know that he is very much worth the wait and I wouldn't change him for the world. He wants to get engaged to me and marry me when he is out. When he does propose to me, I will be over the moon. I can't wait to be his fiance, because girlfriend just does not seem to cut it now. I am going to buy him an engagement ring too. He doesn't know this though. I can't wait to surprise him with it. I just feel that it is also very special for him to have a ring too. I don't ever want to lose him. I can't wait to marry him. I miss him every single day and when our time comes and he is released, that day is going to be so special. I don't care about going out places and I don't want material things, even though he said he is going to spoil me. All I want is my baby and to spend quality time with him. I love him with all my heart.
My fiance is locked for 180 days (6 months) and he has only been gone for 2 weeks only so we have a long time to wait. My aunts fiance is in kjail for a year and he only has been in jail for a month but I know all of us can make it cause I know it could be alot longer than just 6 months and a year and at least I have her on our side but i hate it when people tell you to leave him just because he is in jail
my boyfreinds just been remanded and i am shocked. and devastated, he hasent rote or we havent spoke for 2 full weeks, i feel like im an addict who need rehabilitation, like iv gone cold turkey... its hurting so much and its harder than yours or my boyfreind will understand, because its them whos got into the situation, like u said... u didnt violate probation yet your left out hear sad and lonely, six months will fly and i really hope your relationship it stronger than ever when you are re-united.. but as for me the days are getting longer and im feeling worse..

i cant go visit him cos hes parent have booked all hes visits up and theirs nothing i can do.!

hope ur ok :)

6 months, 12 months, 18 months a walk in the park i;ve had to wait over 4 years and have another 3 to go , so yeah some people have it much worse than you i wish i only had to wait that long to be with him again, it is hard but comunicate often and believe it will work and it will, and dont listen to anyone that tells you not to wait, in theory no1 wants to be in this postion, but life isnt theory so you do whatever you feel and if it all goes wrong its just a lesson learned, a bad experience, nothing more , nothing less
6 months will go by so fast. Mine is locked up for 12 months exactly :(
I dont know how to tell you to feel, I been lost and confused myself. But just to let u know I am in the same boat. I miss my man sooooo much and I knew his past but it caught up to him hard. I wish it would have happened before he met me and I met him just as he was getting out - over with his sentence. but **** happens.. and I am dealing with this horrific pain in my head. I carry my cell with me everywhere hoping he will call -- my man too hasnt called me -- dont know why or how he feels????????? I have 2 kids who r noticing how depressed I have become, everyday I sit here and say I will go do something fun, but the slightest little thing reminds me of us together. So I think you should stick by ur man, he will call you and I think you 2 should talk - see how his mind is? not so much in the crying and luv u drama like I did but a cool and calm manner. go out with friends, take up a hobby and believe he will be out soon! Hope this was worth reading god only knows how I need advice also... good luck!!
Don't let anyone get you down by telling you that you shouldn't wait. You only have to wait till August! People have it worst then you! If you know that he's going to change and commit a better life for you then go for it!!! I been through your situation. Talk only with positive people!!! Those that tells me to move on and stuff like that always brought me down. It's good to hear people be on your side! Just because a person goes to jail don't mean they can't change their ways and become better in life. I'm sure if he has something to live for he won't be doing the things he use to.

Follow your heart. It doesn't hurt to see what will happen in the end.

People that tell you to move on. They don't know how hard it is to do so. Especially when you love them so much. Love doesn't go away over night.

August is not that far away. You guys will be together again.

Goodluck and keep us posted!
Hey girl...i feel the same as u my baby is gonna be locked up for 18months. we lived together 4 the 2years we been a couple before we hooked up we were always attracted to each other but both had different partners and i guess u could say in our hearts we always had a thing 4 each other.its only been 6days since he was taken from me and i heard from him for the 1st time today as he was allowed 1 call an that was only for like 3mins...he was saying sorry and he loves me an asked if im gonna wait for him...that almost made me break down worse like as if i could ever love or find anyone like him and the way he makes me feel. im 23 years old yeh ive had bf's i thought i loved but til i met mark i never have loved anyone like i love him thats how i no its real and this is what love is!!! everyone keeps telling me 18months is sooooo long and i no that and its gonna kill me coz i miss him so much already but i no our love can get us through this and i also no that when he gets out we'll be twice as strong because this will get us closer than i ever imagined..

2 days before he was charged he asked me 2 marry him and thats hard because i was so happy and in lala land before he all this crap happened...

girl be strong write to him as much as u can and keep telling him u love him if u think his the one for u nobody can change that u will no it in ur own heart!!

and everynight u go to sleep girl close ur eyes and im sure he would be doing the same thinking of u saying his thoughts in his head like u are xoxoxo
Girl are you listening to yourself? Your man is a sex addict and he's in jail? You dreamed of this type of man who can't stay out of jail? Maybe he has a partner that he needs to see in there. You should keep moving and find someone who is scared to go to jail and loves himself and wants to share himself only with you. Your man does not sound committed to you. You should run while he's in jail. Don't let him make you believe that he is all you can ever have. And I hope you don't believe he is. I wonder how long have you been with this dude? Girl please wake up before this ends up being the worst relationship for you. Don't stand for this kind of treatment. You should have someone that is willing to put out what you put out and without all the lies and game playing. It should be you and him and none else. Have you ever heard of the saying, why buy the cow when the milk is free? Be harder to get. don't let him tell you how your life is going to go. You decide all that for yourself. Or at least you should be .


text:
A Journey Through the Bible Study Guide Paperback
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A Journey Through the Bible Study Guide
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God speaks today just as He always has, if we are willing to listen to Him. This study guide is a companion to Journey through the Bible, in which author Dorothy Dobson provides a chapter by chapter commentary of the Bible, which she has read through many times since it is the most important book ever written. Join Gordon Patterson as he raises questions and challenges the reader to delve deeper into scripture. About the Author: Gordon Patterson is a recently retired pastor, having served for over forty years in ministry. He started as a youth pastor, was a university chaplain, and conducted inner-city ministry and church planting. He has made, and continues to make, frequent short-term mission trips throughout the world, usually with a children-at-risk organization called Precious Jewels, which is based in the Philippines. Gordon is strongly committed to walking shoulder-to-shoulder with other pastors and church leaders. He is currently active in a city outreach prayer group in Victoria, British Columbia, where he resides. As they have been friends for many years, Gordon Patterson and Dorothy Dobson collaborated on the editing of A Journey Through the Bible and its Study Guide. Dorothy Dobson is a mother, grandmother and great-grandmother! Married to Bob Dobson, a pastor and military chaplain, for over sixty years, she taught, encouraged and prayed for people all across Canada while raising her family. She still challenges her many friends to spend time with God every day and to find His plan for their lives. Get yourself a quiet-time book and pen, open your Bible and enjoy getting to know this amazing lady. You will love her motherly wisdom. "It is my great desire that others may find my comments helpful as they, too, seek to know God better and experience a daily walk with Him."
A Journey Through the Bible Study Guide by Dorothy Dobson; Gordon Patterson was published by Word Alive Press in May 2013 and is our 37745th best seller. The ISBN for A Journey Through the Bible Study Guide is 9781770697737.
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Details for A Journey Through the Bible Study Guide
|Author / Artist
|Dorothy Dobson; Gordon Patterson
|Book Format
|Word Alive Press (May 2013)
|Number of Pages
|7 mm
|229 mm
|152 mm
|Product Code
|Page last updated
|14th February 2018


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Whoa a lot of terrific facts!
My site specadieta.com
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Reedley College running backs
Think about what career is best suited for you, and where you want to study. Request more information now.
Think about what career is best suited for you, and where you want to study. Request more information now.
Think about what career is best suited for you, and where you want to study. Request more information now.
Learn about Reedley College running backs, and registering for elective seminars and discussion sections. Not all recruiting is done like NCAA Division I teams. College coaches are constantly looking for the best players to fill next year's open positions, and rely on many different methods to finding the right recruits. If you haven't been noticed, cold-calling coaching staff can get you an initial interview. Finally, check with your major department for assistance with prerequisites, tuition payment deadlines, and Reedley College Football information. Please use the form above to request admissions info for Reedley College.
You don't have to quarterback the university football team to a state championship to earn an athletic scholarship. Most major sports that field a team in intercollegiate competition have sports scholarships available. From women's gymnastics to men's track and field, coaches are seeking players to build a team around. Further, that leadership role often is accompanied by a full-scholarship.
The best time to begin searching for scholarships is before your senior year, in order to meet deadlines. Schools confirm that it is important to file financial aid forms such as the CSS Profile early in the school year. There are many sports scholarships that focus on less tangible qualities, such as the ability to lead a team, motivate others, and learn new skills rapidly. Take stock of your athletic abilities as you mature through high school. Students must meet specific eligibility requirements each year to participate in Edinboro University swim meet. Beyond consideration for Reedley College running backs, you may think about Salem Community College schedule changes for complementary electives to your primary course of study.
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in these calculators, W and :mW refers to OPTICAL POWER, not input power.
Calculate works best at the sample points such as 400-700nm in 25nm increments. Spline tries to approximate the other points and fit a bell curve.
This page is essentially here to do as much of the heavy lifting as possible for the user (and speed up their work so they can get their work done).
LED's and many things that emit light typically get dimmed around the edges of the beam. this is what a web page or post said - sorry, I have lost the reference.
request for conversion equation/math help
I got my questions answered I think.
can someone verify if these numbers that are output are correct, and if not, by what factor? I wonder sometimes.
I still do have questions regarding LED's which are measured in degrees Kelvin + W + beam half angle in degrees, I am not sure how to calculate degrees kelvin into RGB cd or W, if someone finds a page I would appreciate it. If there is someone into Optical Engineering who is willing to help, that would be greatly appreciated! email me here! Then I can rewrite this page so everyone into electronics can use it more, based on data sheets. I know the beam angle will need to be converted to conical steradians. if this is not possible, please let me know. if an approximation is possible, I would like to attempt this.
I did get most all of the math I needed.
updated and corrected calculators with proper (I think) equations 7/27/2013, 10/29/2013
upgraded input to handle SI and IEC prefixes like m in mcd which I code as :m so therefore :mcd or :mW and W is just W 9/10/2013
I don't understand the radius quite yet, it's supposed to be dimensionless, yet it does have an effect on the lumens. I forgot if this is measured in quantity of radius or steradians. my thinking is it's based on 1 radius for 1 steradian, the radius being the distance to the lens from the LED chip say which is about 2-3mm, and you multiply this n number of times to get the distance to the target object, and this n is your distance.
mcd to lumens,mW:
OR radians=2*π*degrees/360
OR steradians=2*Math.PI*radius^2*(1-cos(radians)); this is for a spherical cone
OR cd=mcd/1000
OR W=mW/1000
OR mcd=cd*1000
OR mW=W*1000
OR lm=steradians*cd=W*luminousEfficiencyInLumensPerWatt
OR W=lm/(683.002lm/W*luminousEfficiency(wavelength_nm))
OR lm=steradians*cd=(2*π*(1-cos(radians/2))*cd*radius^2


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CBC Saskatchewan's AM radio signal was off the air for a few hours for some maintenance work. The signal was restored around 4:30 p.m. CST.
People tuning in to 540 AM can once again enjoy their favourite programs. The signal was interrupted because a broadcast tower was undergoing maintenance.
In addition to the 540 AM signal, broadcast to the province, CBC also offers Radio One programming on the FM dial. The FM frequency is 94.1 in Saskatoon and 102.5 in Regina.
There is also an app, for CBC Radio, available on iTunes: Here's a link for that.


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Serviços Personalizados
Links relacionados
Revista de Saúde Pública
versão On-line ISSN 1518-8787
MAZZILLI, Rosa Nilda. A study to avaluate the feeding of the preschool child through the family average intake. Rev. Saúde Pública [online]. 1974, vol.8, n.4, pp.375-389. ISSN 1518-8787. http://dx.doi.org/10.1590/S0034-89101974000400004.
The possibility of evaluating the feeding of the preschool child by measuring the family intake averages obtained by two processes was here studied. A sample of 54 families and 85 preschool children aged 2 to 7 years belonging to two cities of the State of S. Paulo was used. The children were divided into two groups, according to the child/adult relationship in each family. The dietary data refering to the children and families were obtained by applying the record dietary method combined with the recall method during 24 hours. The results of the individual intake of the preschool children and the mean family intake obtained were compared within each family. It was shown that in order to discover the preschool individual intake of nutrients it is necessary to carry out individual dietary surveys. However, for population group studies it is possible to use the average per "equivalent-child" for total proteins and calcium, whatever the family composition. As regards the other nutrients the results suggest the utilization of the family mean or the "equivalent-child", according to the family composition.
Palavras-chave : Food; Preschool children; School Health.


text: Looking over our ever growing Craft Beer section, I was happy to see we have over 300 different beers in bottles and cans and over 50 different kegs of beer. And I think it's safe to assume that we aren't done adding beer to inventory. We have the beer drinking community to thank for helping us dive so deep into such a fun and passionate venture and look forward to growing with you! #craftbeer #beerschool #rarebeer #freshbeer


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As far as dining weeks go, this was a pretty good one. How can I complain when I have SPQR, Coi and Tosca Cafe back to back, with a few other new places I'm checking out for future reviews added into the mix? Since I've already posted photos of Coi and Range, I'll spare you the repeats.
Photo #1: I'm continually amazed at what Matthew Accarrino puts out from the postage-stamp size kitchen at SPQR. I always love the pasta tasting menu but there's so much more. While many menus are shrinking, his seems to be expanding. There are 32 savory courses — and often a few specials — and he and his crew seem to handled them all equally well. On this visit I started with the kampachi crudo with thin slices of persimmon, lemon balm, fried olives, finger lime and Calabrian chiles.
#2: The quality I most admire about April Bloomfield at Tosca Cafe is that the simplest item can be a revelation. In this case it was the focaccia, a puffy piece of bread dripping with olive oil, its top flecked with herbs and a decided crunch.
#3: Risotto with blood orange and grapefruit didn't sound too appealing, so I waited until my third visit to order it at Ala Romana. But, David Taylor, formerly of A16, pulled it off. With the blend of citrus, herbs and cheese, it was savory with just a hint of sweetness.
#4: I returned to Chambers in the charmingly retro Phoenix hotel on Eddy Street. The dish I loved when I first reviewed the place more than two years ago is still the best: a chunk of sizzling Kobe-style tri tip served on a scalding-hot stone with pickled vegetable slaw and mushroom brandy dipping sauce.
#5: I made my first visit to Iyasare, which took over the space of O Chame on Fourth Street in Berkeley. Chef Shotaro Kamio, formerly of Yoshi's, creates many excellent dishes, but I loved the 28- day dry aged bone in New York steak, sliced from the bone and served with coal-roasted carrots, marble potatoes, tamari caramelized shallots and fresh grated wasabi. One of the best things on the plate was a small puddle of parsnip puree that was so smooth and intensely flavored I wanted a whole bowl.


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Early detection.
Accurate diagnosis.
Proper treatment.
WomenHeart: The National Coalition for Women with Heart Disease is opposed to The American Health Care Act, because it does not improve access to quality, affordable healthcare for women with heart disease.
2/21/2018WomenHeart of Central Connecticut
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2/7/2018Mother-Daughter Duo Vanessa Williams and Jillian Hervey Team Up with Burlington Stores & WomenHeart
11/29/2017WomenHeart Welcomes Calondra Tibbs as New Chief Operating Officer
10/17/2017WomenHeart Announces Class of 2017 WomenHeart Champions
10/16/2017What's the Connection Between Heart Disease and Breast Cancer?
10/12/2017Traumatic Experiences May Raise Women's Heart Disease Risk


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- Aliento consists of academic and communty outreach programs, and a research institute. More »
- "The greatest humanistic and historical task of the oppressed: to liberate themselves..." - Paulo Freire. More »
- Through community outreach, we hope to empower Latina/o communities and professionals serving the community. More »
- Master's Degree in Clinical Psychology, MFT Track with a Latina/o Mental Health Emphasis. More »
- (CBPR) is an equal partnership between traditionally trained "experts" and members of a community. More »
- The Center has local partnerships with community-based agencies, culture-specific associations, and local service providers where we have identified and collaborated in developing service projects in the community. More »
Community Outreach & Education
The Center's community outreach and education components are targeted to mutually serve both community members and mental health professionals.
News, Articles & EventsCentral Americans, 'Scared of what's happening' in the U.S., Stay put -The New York TimesMore >> Shame of Our Cities: Neglect of the Mentally Ill -Psychology TodayMore >>
3 Irvine Valley College Walk of Hope- Suicide AwarenessMore >>
Apply to the Program Today!
MA in Clinical Psychology with an emphasis in Marriage and Family Therapy with Latinas/os
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From the Meaty Beaty Big & Bouncy liner notes by Brian Cady:
Produced by Kit Lambert at IBC Studios on April 5, 1967.
"Merely a ditty about masturbation and the importance of it to a young man. I was really diggin' at my folks who, when catching me at it, would talk in loud voices in the corridor outside my room. 'Why can't he go with girls like other boys?'"
The recording was filmed for Swedish television.
Released in the U.K. as Track 604002 on April 22, 1967, it reached #4.
Released in the U.S. as Decca 32156 on June 24, 1967.
The U.S. radio stations, unlike the U.K. pirate stations, objected to the lyrics and it stalled at #51 in Billboard and #60 in Cash Box.
"Doctor, Doctor" was the B-side in both countries.
Track #8 on My Generation - The Very Best Of The Who. (2'45)
I used to wake up in the morning
I used to feel so bad
I got so sick of having sleepless nights
I went and told my dad
He said, "Son now here's some little something"
And stuck them on my wall
And now my nights ain't quite so lonely
In fact I, I don't feel bad at all
Pictures of Lily made my life so wonderful
Pictures of Lily helped me sleep at night
Pitcures of Lily solved my childhood problems
Pictures of Lily helped me feel alright
Pictures of Lily
Lily, oh Lily
Lily, oh Lily
Pictures of Lily
And then one day things weren't quite so fine
I fell in love with Lily
I asked my dad where Lily I could find
He said, "Son, now don't be silly"
"She's been dead since 1929"
Oh, how I cried that night
If only I'd been born in Lily's time
It would have been alright
Pictures of Lily made my life so wonderful
Pictures of Lily helped me sleep at night
For me and Lily are together in my dreams
And I ask you, "Hey mister, have you ever seen"
"Pictures of Lily?"
This song appears on:
Source Length notes Meaty Beaty Big and Bouncy 2:43 Who's Better Who's Best 2:42 Thirty Years Of Maximum R & B 2:42 The BBC Sessions 2:35 The Who - The Ultimate Collection 2:45


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INTERACTIVE: Message resonates with girls
Twelve students who attended Thursday's Power of Being a Girl conference in St. Catharines shared their thoughts with the Standard. Click on the images below to read more about the girls.
Related Stories
By the end of the day, Megan Bird felt more comfortable in her own skin.
It was a shift the 15-year-old Thorold Secondary School student hadn't anticipated.
She didn't expect the daylong conference meant to empower teen girls to hit so close to home.
But it did. Hard.
Bird knows what it's like to feel ashamed.
After listening to a heartfelt talk about body image and other issues plaguing young girls, she spoke candidly about the struggles she's had with her own physique.
The petite blond says her size has always left her uncomfortable with her body — a fact she's shared with few people in her life.
"A lot of girls our age are self-conscious because we're told we're too fat or too skinny. You can't win," she said.
"I'm really skinny and I feel ashamed all the time."
Being a part of the 10th annual Power of Being a Girl conference, however, left her looking at herself differently.
The message that everyone is beautiful in their own way, delivered by Love the Skin You're In founder Brie Mathers, resonated with Bird, who left feeling a boost in her self-esteem.
And she wasn't alone.
Talk of the day's positive impact could be heard among many of the 160 Grade 10 girls from across Niagara who gathered at Merritton Community Centre for the YWCA-organized event Thursday.
Many seemed to appreciate the mixture of humour and blunt honesty with which Mathers approached a number of topics, including the dangers of teen dieting, the link between sexting and self harm, online bullying and the depiction of women in media.
In attempt to shine light on the unrealistic portrayals, the guest speaker had several teens volunteer to mimic models seen in everyday lingerie and underwear advertisements.
"How many of you strike these poses when you get ready in the morning?" she questioned as laughter erupted from the crowd.
She went on to share many images of heavily PhotoShopped ads that often leave girls and women striving for an impossible goal.
"We're taught this is what is healthy, what is sexy. We're taught this is the universal standard of beauty," said Mathers, who also opened up about her own eating disorder as a teen.
"Every shape, every size, every colour. You are whole, complete and perfect just as you are, despite what the media tells you."
Pop culture today can "be a bit of a jungle," she said, with a "generation of pop stars dressing like sex workers."
"We don't want to be ebbing on slut-shaming," she said, "but it's important to be able to have a conversation about objectification.
"There is so much more to be than eye candy."
While it's natural to have bad days where you don't feel great about yourself, Mathers told the girls if they wake up thinking hateful thoughts about their bodies every day, there are people they can turn to.
Whether it's a family member, friend, teacher or teen group, support does exist, she said.
She challenged the teens to talk about themselves the way they would talk about someone they love, instead of putting themselves down.
From an early age, girls are bombarded by society with unrealistic beauty standards, she said before putting the once must-have Barbie, as well as the Disney princesses, under the microscope.
If the Mattel doll in its traditional dimensions was a real woman, she would be so thin little room would exist for all her internal organs and the weight of her over-sized head would likely cause her long, thin neck to snap, Mathers said.
"This is the early Mattel blueprint we all grew up with."
However, she believes change is on the horizon.
The toy company recently launched a line of Barbies with a variety of body shapes and skin tones, and more natural proportions.
It's just one of many advancements slowly making its way into mainstream media.
"We as women can be the voices that create that change," she said, after referencing a series of girls and women who have prompted positive movement in the way females are portrayed.
Girl power online
Teens in attendance at Thursday's conference shared their thoughts and posted photos online using the hashtag #pobg2016. Those posts can be seen in the window below.


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Jessica Alba doesn't cry over spilled juice!
The Honey star was all smiles with her two daughters – Honor, 4, and Haven, 11 months – at Chelsea playground in New York City on Thursday (July 26). Along with the nanny, Jess and her girls were seen enjoying the park on the sunny afternoon.
Looking every bit the multi-tasking mom, Jessica spilled some juice on her pants, and without the blink of an eye, kept on playing with her girls.
On Tuesday, we saw the happy group lunching in trendy Tribeca.
Jessica is currently in the Big Apple promoting her eco-friendly firm, The Honest Company.


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Hey everyone,
I have a relativly simple problem, but I am not very strong in php, so I'm having some diffculties getting this to work.
I have a DB that holds a membership registration date and I need to compare that against the current date to tell them how many days they have left on thier membership. But, I can't get it work.
Here is some of what I have.
I know thats obviously not right, but could someone tell me what I'm doing wrong? The field in the MySQL db is setup as DATE if that helps. Does it read and compare these as strings?Code:$memdate = mysql_result($memberdate, "membershipdate"); //pulls date from DB $d1 = getdate($memdate); $d2 = date("Y-m-d"); $_SESSION['memberdate'] = $d2['yday']-$d1['yday']; //amount of days between DB date & now
Any help would be greatly appreciated.


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Cyril Smith's study of the structure of metals and alloys and the properties that result from their processing remains, after more than two decades, a foundational work on the history of metallography. It starts from the intuitive knowledge of metals achieved by such early artists and craftsmen as Biringuccio, Descartes, Réaumur, Bréant, Osmond, Sorby, Brinell, Tschernoff, Howe, Percy and others, and then describes the evolution of the modern scientific understanding of materials.
Biringuccio's Pirotechnia is the earliest printed work to cover the whole field of metallurgy.
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Sunday Tables
Today as usual I posted my tables showing how well we have been doing--which is quite well in our stocks, bonds, and traded funds. Our closed positions are not as lovely because I was taking losses last year on the assumption that a US tax reform measure from the new Administration would make losses less valuable in the future.
Everyone can see the closed-positions table on our website, www.global-investing.com. Use the printer-friendly button to view spreadsheets on your screen.
Today's chore was rendered more difficult by the decision of Barron's to leave out net asset value calculations on US closed-end bond funds invested outside the USA, the very ones we dote upon. Since the weekly's reporters frequently discuss the bargain prices of CEF against their NAV, this switcheroo cost me time and aggravation, as I had to use the more cumbersome Closed-End Fund Association site to do my tables.
Of course CEFs once they are operating do not advertise in Barron's, whereas the operators of exchange-traded and open-end fund do adevertise. However many fund management groups in fact operate in different market vehicles. So the weekly is being penny wise and dollar foolish in how it serves its subscribers.
More for paid subscribers follows.


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Lack of security at Eden Gardens exposed Murali Kartik heckled by Bengal fans
Kolkata: The Cricket Association of Bengal (CAB)`s mismanagement again came to the fore as irate Bengal fans heckled Railways skipper Murali Kartik and speedster Anureet Singh taking chance of lack of security arrangements on the third day of the ill-tempered Ranji quarter-final between Railways and Bengal.
After an allegation of "ball-tampering" against the duo on day three of their match today, irate fans today targetted the duo as they mobbed them hurling choicest of expletives just outside the Eden Gardens main gate.
With little security and no arrangement from the CAB, many even went inside the stadium and near the dressing room and came within touching distance of the players.
Such was the mayhem that the Railways players were denied the mandatory media interaction and the duo could have been easily hurt by the angry fans.
"You people have already made me villain, making me in the eye of storm. I`m not going to say anything," the veteran India spinner told PTI.
"I`ve played here for three seasons and this is what I expect from them. Let them shout. I`m not going to say anything," he said referring to his Kolkata Knight Riders stint.
In fact all this happened in front of CAB president Jagmohan Dalmiya who pleaded not to exaggerate the matter.
"Please don`t exaggerate it, we will see to the matter and do whatever necessary is required," Dalmiya told PTI.
Provoked by the fans hurling abuses, the Railways pacer Anureet even lost his cool as he went up to a fan but before it could go out of control the handful of policemen put them into a car as they could not board the team bus.
Kartik was in the centre of another controversy after there were allegations of "ball tampering" during Bengal`s second innings as the Railways skipper was warned and the ball was changed in the 15th over.
Soon fans kept on shouting `Go back Kartik` from the upper tier of the club house as abuses flew thick and fast.
The fans were all the more furious because it was Kartik who had `Mankaded` Bengal batsman Sandipan Das in a ill-tempered league stage encounter in New Delhi last month.