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Wednesday, September 28, 2011
CALL FOR PROPOSALS: ICRISAT-NCAP-IRRI project on Village Dynamics Studies
The International Crops Research Institute for the Semi-Arid Tropics (ICRISAT) invites research and development institutes to respond to this Request for Proposals (RFP), either from individual researchers or in collaboration with PhD students from Asia who wish to undertake field research in an ICRISAT-NCAP-IRRI project on Village Dynamics Studies in India and Bangladesh. The researcher can make use of the data collected under the VDSA project (micro and meso level), undertake field trips to collect additional data or for ground truthing the data to address her/his research topic. Research fellowships funded through this RFP will contribute to policies, practices and innovations that alleviate rural poverty by analyzing and disseminating knowledge on rural livelihoods, poverty dynamics and development pathways of the poor in the semi-arid tropics and humid tropics of India and Bangladesh as well as on issues related to efficiency, equity and sustainability of agriculture.
The Research Field Proposals aim at:
- Funding innovative projects with high potential for impact at research, institutional and policy levels;
- Promoting the development of new research partnerships between IARCs, National Agricultural Research Institutions, Advance Research Institutes and Universities; and
- Providing Asian research scholars with funding to undertake research on rural livelihoods, poverty dynamics and development pathways in India and Bangladesh.
Deadline: November 15, 2011


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Before you hire a roofing contractor there are a few questions you need to ask, to be sure that he is the right person for the job. The first thing you should know is whether he has a roofing contractor's license. He must also have workman's compensation and general liability insurance. You should also be able to know whether he uses roofing subcontractors.
One question that you can ask a roofing contractor is for how long he has been in business. If he says it was his family business and he has been working for 20 years you know that he is reliable and trustworthy besides being experienced.
Who is the best roofing contractor
Whenever you want to hire a roofing contractor to construct your roof you can ask him if he has any referrals with whom you can talk. When you ask homeowners you will get valuable information about the company. The homeowners will let you know if they were professional and finished the work on schedule. The references will also let you know if they would hire them again if needed.
When you ask him if he hires subcontractors for the job and he replies in the negative, you know he is reliable and can be hired for your roof installation. A bond of a roofing contractor is protection and surety against any illegality and timely completion of the project. When a roofing contractor has a bond you can be sure that he performed his job in a satisfactory manner.
What to look for in a roofing contractor?
A roofing contractor should have a valid license from the state and the home city where he is having a business. When removing an old roof and installing a new one a lot of materials have to be moved and if you have lawn and flower- beds they have to be protected. An experienced roofing contractor will be able to handle this adequately.
Never give your roof installation to a contractor who comes to you looking for a job as roof contractors have more work than they can handle. There may be many inexperienced roofers who may be looking for jobs and when you ask for a copy of their roof construction license they might disappear from the scene. Most licensing agencies in the state help homeowners to verify online a roof contractor's license.
What should you remember when hiring a roofing contractor?
When hiring a roofing contractor most homeowners are anxious as they do not know how it will work. They do not know much about the flashing and shingles that are used in roof installation. Roofers pricing is based on materials, labor and the intricacy of the roof installation. There will be many roofers in the locality and asking them for referrals you can verify with homeowners about his work.
Once you hear from homeowners that he has been excellent in the job you can ask for an estimate and give your roof installation to him.
An experienced roof installer will do a good job compared to a new roof installer who has just got a license and started operating.

subset: commoncrawl


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Da Da Da Freestyle
Artist: Primary Element
Check out this dope conscious trap freestyle to the Me De Amor instrumental produced by Soulection's very own Sango, and look out for the exclusive music video shot by Zack David Films coming soon to The Elements Live TV.
Check out Primary Element's R&BASS CLUB ANTHEM "LOVE NO THOTS" which is now available ON ITUNES
The R&Bass singer/songwriter Primary Element released "Love No Thots" as a single from his upcoming debut Demo entitled "Subliminally Conscious" in fall of 2015 to give fans a taste of what is to come in the future for the artist's sound development. It's a brand new style for Primary, but he integrates the style of music with his subconscious delivery almost seamlessly in the anti-materialistic anthem.
Stream the song on soundcloud via the link below, and download via Itunes today to support club music with a purpose!
Stream the all new R&Bass club banger single from DMV recording artist, Primary Element's upcoming DEMO entitled "Subliminally Conscious". Look out for the project dropping late March 2016 by following The Elements Exchange on Instagram @TheElementsLive
The track provides a west coast club feel on a DJ-Mustard-esque beat produced by the artist himself, Primary Element, where he talks about dedicating his love to a supportive lady while he attempts to fulfill his superhero like role on earth; as he continues to "save the world" through his music.
The cover art features LA-based model Mekeida Kelly.
Check out the song below:
Check out these brand new instrumental tracks from The Elements' own PE Beatz (aka Primary Element), available for exclusive rights and leasing. To purchase a beat for leasing or exclusive rights just send us a message via the contact form below!
Alternative R&Bass
R&Bass Trap
Check Out Our Sounds...
Here are a few production samples to help you get an idea on the different styles of production available when you decide to work with The Elements Exchange! All of the instrumentals shown below are available for Exclusive Lease and Non-Exclusive Lease... Please let us know what you think. Submit inquiries for production via the form below...


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Bitti Business Wali 8th June 2018 Written Episode, Written Update on TellyUpdates.com
The Episode starts with Sukhi Mama coming to Bitti's house. Sukhi Mama gives shop keys to Bitti. Dadi warns him and asks him not to interfere in her family members. Sukhi asks her to have almonds and tells that Dadi telling Gayatri that if he gave money to Bitti then she will kill this is Didi's kids house and he will come whenever his niece and nephew need him. He says he got sad knowing Jija ji's suspension, but then got happy knowing about Bitti's job idea. Virender says Dadi has decided that she will not do business. Sukhi Mama asks if she is Brahma to decide and says who is this Dadi to decide? He says my sister decide because of her decision and asks her to stop becoming dictator. He asks who want Bitti to do business.
Suman, Shaurya, Chandana and Pavitra lift their hands.
Sukhi says even his vote goes to her and says she will do business. Dadi asks what he wants to do. Sukhi Mama gives keys to Bitti and asks her to live her life. Dadi says I will see how this shop opens and asks Gayatri not to give her money else he will see her dead face. She tells Bitti that if she takes even a rupee from Sukhi then she will take Samadhi in sangam. Mahi hears them. Abhishek's mum tells him that Bitti have to adjust to them and shall not do such things. Mum asks him to talk to Gayatri. Abhishek says if we object then this relation will break.
Sukhi Mama asks her to take money from him silently. Bitti says she will manage somehow. Sukhi Mama says lets go. Bitti says she will decide depending on the money which she has and asks Shaurya to come. Bitti and Sukhi Mama come to the shop and open the door. Mahi thinks how she will get money. Bitti looks at the shop. Mahi comes to them and says she will do good business. He tells that if she says then he will ask his father to give her loan. Bitti tells Sukhi Mama that Mahi's father is dabang time. He asks if she shall take loan? Sukhi mama asks her to take loan from Laddo Singh. He says we will pay him back on time. She tells that she will tell her Papa. Sukhi Mama and Bitti come to meet Laddo Singh..
Mahi brings his father in the car to Bitti's shop. Laddo Singh orders tea and says I don't want to have tea from strangers. He asks her why she want to do business. Bitti says she wants to help her father. Laddo Singh tells that he will give money to Sukhi, but not to her as she is a girl and it is not girl's work to do business. He asks did you feel bad? Bitti says yes. Laddo Singh says you are honest. He is about to give money to Sukhi, but he asks him to give it to Bitti. Laddo Singh gives it to her and asks her to give interest on time. Virender gets shocked seeing she got the money. He thinks I won't let you open the shop.
Dadi gets angry on Bitti, takes money from her hand and burns on gas stove.
Update Credit to: H Hasan


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FCC To Hold Roundtable On PPMs
FCC Chairman Julius Genachowski told an audience of minority broadcasters Friday that the commission would bring the various sides together for a discussion of issues surrounding Arbitron's Portable People Meters (PPMs).
The meters have been the subject of congressional inquiry and an FCC notice of inquiry (NOI) after complaints they undercounted minority audiences.
Genachowski said Friday at a speech to the National Association of Black Owned Broadcasters that the FCC's authority is limited over "the core issue" of minority undercounts. The FCC NOI focuse on the commission's use of Arbirton PPM data and how it might "might impact the integrity of agency analyses and trend reporting, and thus policymaking," he said.
He said the FCC is still "reviewing the record" as part of its official inquiry--launched under predeccor Michael Copps. He also said he would as the Media Bureau to put together a "a roundtable with different stakeholders in this debate in the near future to try to reach greater understanding and perhaps resolution of issues in disagreement."


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Chelsea v Bournemouth player ratings
Alvaro Morata's injury-time winner – just after Bournemouth had equalised – took Chelsea through to the semi-finals of the Carabao Cup in dramatic fashion. Here's how we rated each Blues player in the 2-1 win.
Willy Caballero: 6
Barely troubled before being beaten by Dan Gosling's late strike. Before that, the stand-in keeper cut out a low cross from Callum Wilson as Chelsea absorbed pressure.
Antonio Rudiger: 7
Did well at the back. Reacted quickly to race across and thwart Jordon Ibe on one of the very rare occasions Ethan Ampadu needed some help after being caught out.
Ethan Ampadu: 8
Embed from Getty Images
A terrific performance from the 17-year-old at the heart of the Blues defence. He settled after picking up a yellow card after just 90 seconds for a challenge on Jermain Defoe and did very well indeed. His reading of the game is excellent for someone so young and he was well placed to produce a number of blocks and interceptions. In the first half he dispossessed Adam Smith after the Bournemouth wing-back had got away from Gary Cahill. And, when Ibe burst through after Willian stopped because he expected a foul to be awarded, Ampadu stood his ground, narrowing Ibe's options before the striker fired wide of the near post. Impressive.
Gary Cahill: 7
That first-half error aside, Cahill gave an assured performance alongside the youngster, particularly during a spell of second-half pressure from Bournemouth.
Davide Zappacosta: 6
Solid defensively and got forward often, especially in the first half. His chances to attack in the second were limited as Bournemouth took the game to Chelsea.
Danny Drinkwater: 6
Simple but effective in midfield. Used the ball sensibly and protected his defenders well.
Cesc Fabregas: 7
Set up the opening goal with a composed pass to Willian. Worked hard off the ball in the second half as the visitors pushed forward.
Kenedy: 6
Embed from Getty Images
Involved in the first goal, putting Fabregas through with a back-heel. He showed plenty of enthusiasm on the left but the end product was often lacking.
Willian: 6
Scored and was lively in patches. But handed Bournemouth a first-half chance and another defensive lapse in the second half prompted boss Antonio Conte to prepare a double substitution in which the Brazilian was taken off.
Pedro: 6
Quiet before being replaced along with Willian just after the hour mark.
Michy Batshuayi: 5
Embed from Getty Images
Started the move which led to the goal, when he found Kenedy with a clever reverse pass. But overall the striker struggled to make an impact before being withdrawn. A couple of chances fell to him in the box in the first half but he could not react quickly enough to take advantage.
Tiemoue Bakayoko: 6
Has looked much-improved in his last couple of appearances. He was neat and tidy after coming on as a second-half substitute.
Eden Hazard: 7
Brought on along with Bakayoko when Chelsea were being pinned in their own half. The Belgian certainly made an impact, delightfully setting up the winner with a back-heel to Morata.
Alvaro Morata: 7
Showed his quality – and his importance to Chelsea – by scoring the winner straight after Bournemouth's equaliser. Whereas Batshuayi laboured, Morata made no mistake when a chance came his way.


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Portugal The Major Country around Dollar Zone Requires Help about Debt Passage
Standard bank Bankia, one among Spain's largest sized banks at 250 metre distances the tallest building in Spain. People have very psyched when going to this setting up but trust saying there're just crooks and very little. Individuals experiences of this type of kind such as the Bankia dollars machines towards the metro, many people put graffiti in red colorization spray including the words crook for Learning to speak spanish. Marketers are actually highly angry on this one of the largest bank vacation. People say it is a problem. Bankia will be the 4th greatest money creditors in often the country having having pretty much 12 million customers about.
The Bankia Bank was created by combining several compact banks thanks to economic in town as people are struggling to cope together with the item, hence this lender came in to existence to fix the economical misery within the country. But the situation are going very worst type of at current as this kind of bank includes called for the billion dollars dinar bailout thanks to serious exposure to help unhealthy credit debt in regard to house. Consumers opinion are really extreme to the group, when people claims that will they are usually quite cheeky theymay have theirselves came up with the problem and now they want more to clear up the circumstance. Illness is really worse which the lenders will be averting along with make contact with with designs in normal so they avoid have to help allow replies so that you can open public. They are simply basically having next to nothing to state.
People are generally actually wondering for the cash from the main banks while they are usually not necessarily with position to waste their mortgage. It is usually the bankers whom folks are blaming. Even so the situation can be quite worse and everyone should require quite a few guidelines forwards and even should take responsibility claim one associated with the lenders. When the main region became a member of typically the euro (€) lien, often the government includes avoided the actual cheap in addition to small loan products, but the very bankers as well as people of the region did not along with this detail lends the in budgetary passage. Put on with4 hour payday advances and obtain quick pay-day cash today.
Typically the state's residence area seemed to be well established and much more most people was absorbing much larger loans. Matching to the particular brokers this is typically the program in addition to modern culture which will has designed individuals fee that people can shop for anything, regardless of not getting good enough money together. The particular main explanation due to is certainly that the very loan providers generally are not controlled on the land, that settings unique particular predicament, which inturn headed to overspending and these kind of up to two points press up typically the borrowing fees leading the main economic down-town in the main country. Last but not least the bankers said which everybody is money grabbing out there below and done that it is a system which can be corrupt together with led to help often the fall.
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Oh, Henry
KKR's business model is predicated on finding assets it considers undervalued and snapping them up. The private equity firm led by Henry Kravis is applying the same rationale to its own publicly traded securities. It took the unusual step among its peers of authorizing a share-repurchase scheme and simultaneously paying a fixed quarterly dividend. If it can't alter perceptions about the value of its business however, there's a logical end to this philosophy.
Kravis isn't alone in his frustration. Blackstone boss Stephen Schwarzman for years has been railing about the unwillingness of public investors to ascribe to his firm the higher valuation multiple they give to more traditional asset managers like BlackRock. Blackstone's shares trade right around their June 2007 initial public offering price and are valued at nearly 11 times expected earnings compared to BlackRock's multiple of over 16 times, according to Thomson Reuters data. KKR's, meanwhile, trade at seven times.
KKR, whose portfolio of companies includes First Data and Toys R Us, is devoting $500 million – equal to about 6 percent of the public float – to buy back its units periodically, and instead of doling out roughly 75 percent of its profit in distributions will instead pay out a lower, flat 16 cents a quarter per unit. It will shovel the extra money into its own funds and other investing strategies.
The 64-cent annual dividend is down from the $1.90 KKR paid out last year. It nevertheless amounts to a 3.6 percent yield compared to 2.5 percent for the S&P 500 Index, and its steady nature may appeal to some investors who otherwise worry about the year-to-year fluctuations in KKR's profit. By the firm's own reckoning, if it had implemented this plan back in 2010 when it went public, it would have delivered an additional $3 billion of book value at the roughly 20 percent return on equity it generated over that span.
However reasonable the theory sounds, investor behavior may not be so easily changed. Private equity, though a relatively new so-called "asset class," is better suited to investors willing to lock up their money in funds for a decade than to more capricious public markets. If KKR's stock stays cheap, of course, Kravis and his colleagues could just keep buying until they own it all – just like before.


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For teachers responsible for year six pupils, SATs are fast approaching. For many pupils, it's the first formal exam they will have sat that will have an impact on their future education and some nerves are definitely to be expected. Luckily, some revision planning can help put them on the right path to achieving their full potential.
If you're looking for ways to use DesignATest to support your SATs revision, we've got a few ideas to help you out.
- Assess reading comprehension
Reading comprehension can be difficult to assess and a marking effort to see which children need extra support in this area. Creating a DesignATest that reflects a book you've been reading in class means it's easy to make comprehension a part of daily classroom plans. Through making a test that links to books you're already covering, you can pick out those you know are at the right level and will engage with your class, while DesignATest means you can quickly identify who is struggling with just a glance thanks to the automated marking.
- Practice arithmetic
Sometimes it's the basic questions that pupils lose marks on because they're trying to answer them quickly, such as during the arithmetic test. Going through maths questions as quickly as they can, can help your pupils improve their mental arithmetic abilities and reduce the number of mistakes they're making.
- Measure spelling and punctuation ability
Spelling, punctuation, and grammar are one of the key topics of KS2 SATS and, as a result, it should be a core revision topic. It's an area that multiple-choice options with DesignATest can help. From picking out which word is spelt correctly to identifying the sentence with the correct comma positioning, it can help children recognise the correct SPAG and feed into their written work too. It's a useful way to assess how much has sunk in during a class SPAG revision session.
- Allow long-form answers
One of the things that makes DesignATest so useful, is the ability to mix multiple choice and long-form answers. On the SATs papers, they'll be expected to give longer answers for some of the questions, but it can be an area that some children struggle with, especially when a single paper uses a mixture of different questions. Getting to grips with how much time and detail to go into for each question can improve time allocation on exam day.
Tags: SATs revision, SATs resource, SATs teacher support


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Tuesday, September 23, 2008
You Get What You Play For
I've been working steadily on the new novel and something has come out of it that is new to my process – I'm using background music to help me develop my characters. For instance, my new femme fatale is a character named Sally Poldridge who is known among her enemies as The Witch of Wauwinet.
Wauwinet is a small village on Nantucket and it was also the working title of my manuscript until about a year ago when I decided to go with an alternate title because of the difficulty most folks would have in asking for a book with the word Wauwinet in it – a word compounded of a stutter and a bite. That is asking a bit much from the paying public.
I'm not going to reveal the new title until the day the manuscript gets sold. Of course, cut me a check and you can call it anything you want.
Anyway, today, I am going to show you just a little bit of what I'm holding in my hand. It's a tease, just like Sally is, and as I'm writing her character into the story I listen to the following song on a continuous looping track and do my best to imagine Sally working her evil magic behind the scenes.
I invite you to close your eyes and listen:
This amazing voice belongs to Canadian jazz stylist Diana Krall who happens to be married to Elvis Costello. For someone who managed to survive the '80's, that combo is pretty cool. Someday I'd love to be in a position where this song gets incorporated into a movie based on my book – and isn't that a lovely dream to work on? Something this good does make it easier to get up every morning at 5:30 to work feverishly on the manuscript before I head out for my day job. Actually, the writing part is so sweet right now I can't wait to go to bed so I can get up and write even more.
And my dream isn't as far-fetched as it sounds. A couple of weeks ago Charlaine Harris turned up on the red carpet at an HBO premier of her original story TRUE BLOOD. Of course, scoring an HBO series based on your story, produced by Alan Ball (American Beauty, Six Feet Under) is a bit of a stretch, but if we're dreaming, why not dream big? You get what you play for.
PS. HBO's TRUE BLOOD has just been signed to a second season and it's the focus of an immense viral marketing campaign that includes the development of an ARG (Alternate Reality Game), a wiki collaborative Web page and what I am sure was an extremely expensive print/mail campaign that targeted high profile members of social Internetworks. I'm glad I didn't have to pay for that mailing list!
This is what targeted subjects found waiting in their mailboxes:
Hey! Why aren't we seeing anything this creative coming from the publishing houses? Actually, let's be honest. When was the last time you saw anything sent out from a publishing house? Bookmarks, anyone?
4 comments:
- Jenna said...
Love the song. It was in a Fred Astaire/Ginger Rogers movie back in the mid-30s sometime. Can't remember which movie, but it was either 'Swing Time' or 'Shall We Dance' I think. It's been a while since I watched them - the old black'n'whites are hard to come by these days - and I can't keep them apart unless they're fresh in my mind, since the plots are so similar in all of them. Gorgeous arrangement, though.
Yes, isn't it? I can't get the tune out of my mind and from what I've read Diana Krall is very old school when it comes to her music.
Do you remember another Fred Astaire song: "What a Marvelous Party This Is?" Love that one, too.
- Jenna said...
Fred Astaire was a brilliant singer, although everything else he did was totally overshadowed by his feet, naturally. Someone - it may have been Jerome Kern - said that he'd rather have Fred Astaire sing his songs than anyone else. I love 'What a Marvelous Party This Is'. Didn't Frank Sinatra sing that, too? With Bing Crosby? In 'High Society', maybe?
I'm much too young for any of this music, really - a child of the 70s - but I love the songs they wrote back in the 1930s and 40s. Gershwin, Jerome Kern, Cole Porter, Irving Berlin... They don't make'em like they used to!
- Wilfred Bereswill said...
I had a song in mind when I wrote my first book. Still think it would be a great lead in to the movie.


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Pietra Ligure, a seaside tourist center very appreciated for its climate, is located along the Riviera di Ponente between Borgio Verezzi and Loano.
The clean and crystalline sea makes the city one of the most appreciated destinations where you can spend summer and winter holidays. The beaches are numerous and equipped and tourists can choose between sandy and stony beaches. To mention the "beach of the boats" placed right in front of the historic center, where once the fishermen landed.
In summer, as in winter, walks in the beautiful tree-lined streets, which frame the landscape, are a must.
In addition to the numerous beaches, the town of Pietra Ligure offers many opportunities to visit the area with trips and excursions. The attractions of this town are historical, such as the Castle of Doria, cultural, like the Museum of the Sea and natural as the Botanical Park, on the slopes of Mount Trabocchetto, with a pond with fish and turtles and an area for animals. In the evening guests can take part in the numerous cultural and gastronomic events or attend a theater show at the Moretti Theater, very close to Regina Mundi.
To learn more about the attractions and events of Pietra Ligure, visit the sites www.visitpietraligure.it and www.pietraforever.it.
From Pietra Ligure it is possible to make countless trips and excursions:
• Caves of Borgio Verezzi, also known as "Grotte Valdemino" are a complex of karst cavities – km 1.5
• Pietra Ligure Botanical Park, where there is a small lake with fish and turtles, and an area destined for animals – 1.8 km
• Archaeological Museum of Finale in Finale Ligure, where you can participate in educational workshops – 7 km
• Toirano Caves, famous for the richness of stalactites and stalagmites and the evocative Sala del Laghetto – 10 km
• Hippodrome dei Fiori of Albenga, where periodic trotting races take place – km 19
• Genoa Aquarium, the largest aquarium in Italy and the richest in Europe – 74 km
• Portofino, small Ligurian pearl, included in the Regional Natural Park of Portofino and in the marine protected area Portofino – km 100
• Principality of Monaco, whose most famous destination and Monte Carlo – km 120


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Top 10 supply chain universities and degree programs
With the demand for supply chain reportedly at an all-time high, the pressure to find and develop supply chain professionals of the future continues to increase. Here are the leading Supply Chain management and logistics degrees, ranked by eduniversal.
10 | Master in Supply Chain Management, Universidad del Pacífico Business School
Founded in 1962, Universidad del Pacifico has evolved over time to become a key contributor to the educational, economic and social growth of Peru and enabling the supply chain professionals of tomorrow. Its Master in Supply Chain Management degree looks to create the next generation of supply chain strategists through two specialisations: Project Management and Operations Management. On average, 51% of students that complete the degree have gone on to become supply chain managers, sub managers or other management positions in supply chain.
9 | Master of Global Supply Chain Management, Antwerp Management School
Founded in 1959, the Antwerp Management School seeks to open minds, touch souls and energise business. Its Global Supply Chain Management degree looks to address the skills gap that's widening as businesses continue to strategically realign their supply chain functions. Students will deepen their supply chain understanding though a number of core courses including the basics of supply chain management, modelling global supply chains, integrated business processes with SAP ERP and strategic procurement.
8 | MEMIT Master in Economics and Management of Transport, Logistics and Infrastructure, Universita Bocconi
Established in 1902 and named after the lost son of Ferdinando Bocconi, the Univerista Commerciale Luigi Bocconi was the first Italian institution of higher education to grant a degree in economics. The Master in Economics and Management of Transportation, Logistics and Infrastructure is an interdisciplinary and intermodal degree that covers the complexities of logistics and supply chain, transport policy, planning and management of passenger and freight transport, sustainable mobility and trade law.
7 | Master in Supply Chain and Procurement Management (MSCPM), MIP Politecnico di Milano Graduate School of Business
Established in 2003, the MIP Politecnico Milano School of Management brings together MIP (the Graduate School of Business founded in 1979) and DIG (the Department of Management Engineering – Dipartimento di Ingegneria Gestionale), established in 1990. Identified as "integral to the success of international businesses that are striving for competitive advantage at a global level," the Master degree looks to equip graduates with the necessary skills to operate and manage a successful international supply chain and procurement operation.
6 | Master in Logistics and Defence Economic Management, Universidad Complutense de Madrid - Facultad de Ciencias Económicas y Empresariales and Centro de Estudios Superiores de Intendencia de la Armada (CESIA)
With more than 82 degrees and over 293 postgraduate courses, including masters and doctorates, the Complutense University of Madrid is rightly identified as a leading educational institution in Madrid and wider Spain. It's Master in Logistics and Economic Management of Defence looks to empower civilian and military professionals in order to better understand the logistics, budgetary and contractual management processes within the defence industry. Broken up in to two key areas, the course will provide both knowledge and practical experience in companies that are directly and indirectly linked to the Public and Defence sectors. The second part looks specifically at the needs of the Armed Forces and bridges the gap between high level managers and procurement professionals.
5 | MSc in Global Supply Chain Management, KEDGE Business School
The leading ranked French programme in the world in global supply chain, Kedge Business School's MSc in Global Supply Chain Management programme is accredited by The Chartered Institute of Purchasing & Supply (CIPS). 95% of students who take the course are recruited before they even graduate, with 80% of all graduates joining large global businesses. Tackling three key areas affecting the global supply chain space, change management, cross-departmental integration and the increasing digitisation of industry, the course prepares students to "confront the challenges of a new era in business management."
4 | International Corporate Master in Operations, CENTRUM Graduate Business School – Pontificia Universidad Catolica del Peru
Founded in 1917 and among the top 20 Latin American universities and the 500 best universities in the world, the Pontifical Catholic University of Peru's Corporate Master's Degree in Productive Operations Management targets the logistics space. It looks to develop student capacities for effective management of operational processes, while encouraging greater understanding of logistics management to optimise decision making, and promote the mastery of process management and the application of tools for continuous improvement.
https://www.linkedin.com/company/centrum-cat-lica https://www.youtube.com/user/CENTRUMCatolica
3 | Master in Management - Operations Management, Nova School of Business and Economics - Universidade Nova de Lisboa
As the faculty of economic, finance and management sciences of the New University of Lisbon (NOVA), the Nova School of Business & Economics (SBE) describes itself as a "living lab" in which its business partners can test drive and improve their technological solutions. These partners include HSBC Europe, Accenture, PwC, Unilever and many others. As part of its 10 specialised focus areas, Operations Management explores business process re-engineering, quality management, improving customer service, inventory systems, supply chain management and project management.
2 | MS Global Supply chain and Logistics, Purdue University, Krannert School of Management
Building on the core strengths of Krannert University in operations, supply chain management and business analytics, the Master of Science in Global Supply Chain Management – MS(GSCM) looks to answer the biggest challenges of global supply chains. Officially STEM certified the course connects students from all over the world through partnerships with Tianjin University, Indian Institute of Management Udaipur and Shanghai Jiao Tong University. Graduates from the course have been employed by Accenture, Apple, KraftHeinz and Mercedes Benz among others.
1 | MIT Masters in Supply Chain Management (USA, Luxembourg, Spain and Malaysia), Massachusetts Institute of Technology (MIT) - MIT Center for Transportation & Logistics - MIT Global Scale Network
A true world leader in supply chain management education and research, the MIT Centre for Transportation & Logistics, through the MIT Global SCALE Network, is a multinational alliance of leading-edge research and education centres spread across six innovation centres on four continents. The goal of this network is to further the development and dissemination of global innovation in supply chain and logistics. Some of the world's biggest companies make up the network, including Adidas, AB InBev, Apple, Amazon and Carrefour. The Master of Engineering in Logistics Programme, based in Massachusetts integrates analytical and leadership skills with real-world problem solving and is recognised as one of the best master and doctoral degrees in the US.


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Creative Fun Photography
The 20 Media Wedding Group - 0208 668 0018
Wedding Photography Gallery - Couple Photographs
We always encourage the bride and groom to take a few moments away from their wedding guests to make time for couple photographs. These can often be held as the best shots from the day, capturing the emotions and enabling us to us the venue and its features to it full potential.
Click to expand, then use the arrows to the left and right to scroll through the images.
Not enough of an idea? Then view our recent wedding photography page, to see a large number of images from the same wedding. This will give you an idea about the balance of photography styles within an particular album and how we adapt this for each wedding we shoot.
Contact Us today if you would like to see more examples of our work and albums.
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text: NATO has been in need of a major update for decades. And thanks to Trump, it seems like our allies might actually begin to meet their obligations. Somehow, the media is trying to run with the narrative that convincing our allies to increase defense spending is exactly what Russia want. That and some ridiculous posturing from Democrats over Brett Kavanaugh.


text: I won't even tell you guys about government mandated guidelines for mortgage refinancing at this point... Gawd forbid you ever took a *voluntary* pay cut in exchange for equity worth a minimum of several multiples of that cut any time in your life. Sanity truly has died. Greg On 5/14/2013 11:11 AM, Damien Morton wrote: > When I was working for a large bank in London, they had me fill out a > similar form, that wanted the address and phone number of every primary and > secondary school I went to. They also wanted me to account for any time i > spent travelling, i.e. not in employment, and wanted statements from my > accountant to cover that time (presumably so they could know i wasn't in > jail or something). I had already been working for these guys for 2 years > in New York, so it seemed a bit late to do a security screening. > > Go only knows what happens to all these details. Its a bit like the arrival > cards you fill in when travelling internationally - I wish they would > standardise them internationally so I could get a bunch pre-printed. > > -- greg at bolcer.org, http://bolcer.org, c: +1.714.928.5476


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Senior citizens indulging in some revelry while out for a morning walk!
(Inside the Sanjay Gandhi National Park)
I can tell you that God is alive because I talked to him this morning - Billy Graham
Man meditates in the early morning golden light
(Inside the Sanjay Gandhi National Park)
Early morning hath gold in its mouth - Benjamin Franklin
Morning walkers
(Inside the Sanjay Gandhi National Park)
Morning is when the wick is lit. A flame ignited, the day delighted with heat and light, we start the fight for something more than before. - Jeb Dickerson
Morning rituals!
Morning rituals! (B&W version)
Day begins...
Amitabh contemplates...
Amitabh contemplates even more...
Beating the sun
Bracket fungi / mushroom
The richness I achieve comes from Nature, the source of my inspiration. - Claude Monet
Study nature, love nature, stay close to nature. It will never fail you. - Frank Lloyd Wright
Walk in the woods
(Inside the Sanjay Gandhi National Park)
Walk in the woods
The long walk back
It is the unknown around the corner that turns my wheels - Heinz Stucke


text: I was going to tell all of you lovelies to get your groove on and get on down with some Al Green on this day devoted to L-O-V-E. BUT then I got off the love-train and jumped the tracks for this sultry, southern, swager-y, swinging song (and decided it's totally up to you if you want to be sap up your playlist today). Happy Valentine's Day! xoxoxoxoxoxo


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Get Started Deer Hunting
Deer hunting is a wonderful opportunity to get outdoors and spend time with friends and family. And, when knowledge, skills and luck come together for a successful hunt, there's a healthy and delicious wild game meal to enjoy.
It's also affordable. All you need to deer hunt is a gun or bow, a treestand or ground blind, and land to hunt on – and Florida is blessed to have one of the largest wildlife management area (WMA) systems in the country at nearly 6 million acres. Plus, we provide free options for learning about firearms safety, deer hunting tips, and conservation at one of Florida's hunter safety courses. And, when you buy your hunting license and related permits you'll be giving back to conservation by contributing to the management of our native wildlife and their habitats.
New hunting regulations taking effect during the 2019-2020 season
Learn more about the new annual statewide bag limit for deer and the requirement to log and report harvested deer.


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Daily Quote: Make it a habit to tell people "thank you". To express your appreciation, sincerely and without the expectation of anything in return. Truly appreciate those around you, and you'll soon find many others around you. Truly appreciate life, and you'll find that you have more of it.
Fun Fact Of The Day: What was the first restaurant ever? The very first restaurant in the world was opened in Paris in 1765. A tavern keeper, Monsieur Boulanger, served a single dish -- sheep's feet simmered in a white sauce.
A Preview Of What MIGHT Be Coming
I am somewhat loathe to write about future potential interest rate rallies for fear of encouraging speculation by Originators making bet on locks…so here's my caveat. "This is not intended to be anything more than an opinion of someone who, if he really had some keen insight into the future of financial markets, would be running a hedge fund called AnnieMac Investments versus a mortgage company called AnnieMac Home Mortgage." Got it?!
Having said that the best managers always keep three paths in focus – the "Best", "Base" and "Worst" case paths. On rare occasions the Best Case path becomes a higher probability event than normal and therefore it makes sense to give it some attention. So what is the best case path I'm referring to?
What Does This Mean For Mortgage Participants?
It means that if you're behind in your business planning, your staffing or resource needs, or you aren't focusing on your Vital Few you should snap to it. Opportunity favors the prepared mind and while neither of the above might come to fruition, if it does your forethought and planning on how to tackle this increased purchase and refinance production will be rewarded.
Economic News/Activity:
No meaningful data today.


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Whitehorse Creek Campground is found in Whitehorse Creek Provincial Recreation Area, about 6 km southwest of Cadomin on a gravel access road. It is a staging area for the Whitehorse Wildland Provincial Park. The campground is situated along scenic Whitehorse Creek, near the confluence of the Whitehorse Creek and McLeod River. There are corrals, hitching rails and a loading ramp available for equestrian users, reservations are recommended.
Equestrian areas are by reservation only.Water
Water is available from a hand pump at this site. Although Alberta Parks strives to maintain water quality, we recommend that you bring your own drinking water.


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This affordable and innovative 7x7 baseball net is a durable net that's perfect for tee-ball practice, in-field practice, soft-toss, and softball and baseball pitching practice. The bow frame is uniquely designed and slightly bends the poles, allowing for flex, the result is a sturdy net that resists all levels of pitching and hitting stress. The PowerNet Sweet Spot training bat makes a point on keeping the barrel through the strike zone and learning to make solid contact every time. Instant feedback provided, a mis-hit is exaggerated by a good buzz in the hands and a flat sound.
Buy Now and Start Training!


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Executive Education
Duke Executive Education is built around current research and trends in management. Our programs help you solve current challenges while providing frameworks you can apply over time. You'll learn from the same world-renowned faculty who teach in our degree programs, while going beyond your comfort zone in innovative exercises that encourage you to absorb new perspectives. Fuqua alumni can attend Duke Executive Education courses tuition-free.
Career Workshops
Attend our live online career workshops or view past archived workshops. Workshops cover such topics as career progression, leadership development, job trends, networking through LinkedIn, and more.
Fuqua Faculty Conversations
This ongoing series puts you back in classroom with Fuqua's top faculty. Watch a brief video and then join in the conversation on the Fuqua website or LinkedIn.
Distinguished Speaker Series
Hear corporate leaders share their business insights and discuss their current challenges and latest strategies with Dean Bill Boulding as part of the Distinguished Speaker Series. Past sessions are recorded and available online.
Health Sector Management Certificate
The Health Sector Management certificate program is for Duke MBA alumni who want to deepen their health sector expertise or who aspire to transition into healthcare. Students take courses in residency or via the distance learning platform along with students from the Weekend Executive and Global Executive MBA programs.


text: Home » Newsletters Newsletters Welcome to our Spring / Summer 2019 newsletter In this newsletter We have reviews of a play and a conference. We hope that these will encourage other members to write about books they have enjoyed, plays or films they have seen or events in which they have taken part. Our technical team are working hard on the complex business of creating a community site. When it is ready it will be, among many other things, a place where experiences, views and reflections can be shared. Until then —- we have our newsletter. Di Wells attended an unusual play, based on the work of Isobel Menzies Lythe. Here is what she has to say about it. Diane Wells has been to a play "The Liver in Bed 2" Drama by E15 Drama School Library Reading Room of The Wellcome Collection. London. Based on Isabel Menzies Lyth's paper "The Functioning of Social Systems as a Defence against Anxiety" A review and reflection "The Liver in BED 2" About twenty of us crowded into the doorway of the Reading Room, at The Wellcome Collection. A young woman stood in front of us holding a large box. "I hope you have done your reading" she announced crisply and beckoned us forward. Then, as if from nowhere, a very starchy looking Ward Sister appeared straight out of the 1950's. She circled round us, faced us and then called out several names and ordered us to follow. We obeyed and as she hurried across the room she urged us to hurry. Then glancing over her shoulder said "You have been allocated to the surgical ward and are going to learn how to do a "bed wash"." We crowded into a small bed space where a young female nurse, dressed as crisply as the ward sister, was washing a young male patient who was sitting in the bed. At first he accepted the sponging of his face and arms and seemed appreciative, but then he moved towards the nurse, and tried to be more intimate. She looked embarrassed as she struggled to keep her decorum. There seemed to be no help for her. Her uniform, the procedure and her sense of decorum were all that she had to protect her. I was reminded of my own nurse training in another London Teaching Hospital in the early sixties about three years after the Menzies Lyth report that informed this drama. There was a huge onslaught of experiences each day in the interactions with patients but this did not seem to be any part of the official work and hence did not appear in the training. We had lists of tasks such as taking temperatures, washing patients, renewing dressings and each task had its own "procedure" which had to be learnt and practised. What went on between us and the patients was for us to deal with. These interactions were often embarrassing and challenged our youth and inexperience. At times the patient and their emotions came like a shock bursting through my concentration . One day I was renewing a dressing. I had my trolley at the patient's bedside. I prepared the patient for the procedure. I asked him to lie down and I arranged the bedclothes. Using forceps I carefully removed the dressing from his abdomen. I was concentrating on my surgical technique and the state of the wound: was it healing? Was it inflamed? Was there any exudate? Then the man tolerating this procedure asked "Will I be OK nurse?" I kept hold of the forceps and ensured my hands remained in the right place to avoid contamination. I remember a feeling of surprise. Our training about "procedures" gave little attention to the anxieties of the patients or that in ourselves. We were told to "Reassure the patient". As Menzies Lyth says in this research report there is a belief that "nurses are born not made". Hence training or support for this feature of the work was considered unnecessary. What happened to the anxiety in the patients and ourselves? Senior Nursing staff at Kings College Hospital called in The Tavistock research team to help them solve a dilemma. They felt unable to fulfil their dual tasks of providing a work force for the whole hospital of 700 beds whilst at the same time providing the appropriate experiences in general and specialist placements for the students. The workforce was almost totally composed of student nurses. These "students" needed to be in practice for defined numbers of weeks in each area and to demonstrate competence in a wide range of skills before they could be entered for the State exam at the end of three years training. The wards needed students of different grades to ensure the right numbers of staff with the right level of competence. Year one nurses could do much of the caring work, whilst year two usually did the dressings and year three students administered drugs. The seniors found it impossible to fulfil their tasks. The report gives a vivid account of the student nurses' experiences as they faced the full impact of being physically and psychologically close to patients' distress during illness and at times facing death. Furthermore the research revealed an organisation that had no methods to help the staff. As the first scene showed so well, a student could be behind the curtains performing an everyday nursing task, alone with the patient, but if the patient ignored the taken for granted boundaries, all she (usually she) had was her uniform, the procedure and her own sense of appropriate behaviour to protect herself and deal with the situation. Uniforms and procedures were just two of the many defences listed by Menzies Lyth. They were short term solutions. In this play we also saw the inability of senior staff to make decisions. There was a poor overworked assistant matron running hither and thither asking every body to help her make an important decision. Here was another defence. Why, we might ask, does the student nurse have nothing more than her uniform and procedure to manage or perhaps challenge the inappropriate behaviour? Why does the senior nurse find it impossible to make a decision? or even Why was the decision not made closer to the patient – further down the hierarchy? I didn't see these questions answered in this play, but the report suggests that whilst everyone relies so much on the defences, staff do not have the opportunity to mature through the experiences. Instead of helping individuals to explore and think about interactions, responses and decisions the common practice was to find a procedure or another person to ask, or blame a junior. You do not have to work in a hospital in the mid twentieth century to recognize these features. I think they exist in many organisations still. This has become such an important piece of writing. It is still used for organisational understanding. Afterthoughts I was alerted to this paper in the early 1970's and it made so much sense of my own experiences. I had by then discovered The Cassel HospitaI, a therapeutic community based in Psychoanalytic ideas where we noticed, discussed and worked in the relationship domain with our patients. It was a great relief and a long way from my nurse training of procedures, porringers and getting the crest on the counterpane in the right place. It had taken several years and a detour to university before I found The Cassel. In a later interview (quoted in Lawlor, D. 2016) Menzies Lyth said she thought people had often misunderstood this paper and thought she was saying "nurses need discussion groups" but, she argued its "containment" rather than discussion groups that is needed. I guess both are valuable since the staff need the understanding available in discussion groups to perceive and support the development of containing features within the organisation. Menzies Lyth may have argued for "containment" being the most important feature in order to place the responsibility clearly near the top of the organisation. I have heard that when the report came out the staff who had called the researchers in and many senior staff in other establishments rejected the Tavistock's findings. This is not surprising since they were well used to using defensive responses and the researchers themselves, as depicted in this drama, seemed to be rather opinionated and unyielding women. Both Isabel Menzies and her assistant appeared to be quite stiff and starchy, similar to the nursing staff, but their uniforms were tweed suits. When starch meets tweed …. The Liver in Bed 2 was movingly performed, and then we the audience discussed the play and our responses with the author and actors. For me it was the best kind of theatre. I hope E 15 drama group and their tutors continue to draw on The Tavistock archives at The Wellcome and provide us with more like this. A fuller version of this review will be placed on the community website Richard Pratt has been to a conference: From the Broads to the Estuary – introducing a new network to East Anglia. On 23rd February, I was fortunate to attend the inaugural conference for a new professional network of psychoanalytic and psychodynamic practitioners in East Anglia. The conference, which took place at NorwichCathedral, was set up Dr Tim Fox and Anne Jennings, both experienced psychoanalytic psychotherapists practising in the region. The conference was oversubscribed, highlighting the need for support and affiliation, which is a shared aim and function of APPCIOS. There were 80 practitioners from across the region: the majority of whom are psychotherapists from various backgrounds and orientations; as well as some trainee psychiatrists and clinical psychologists with an interest in psychodynamic practice. The two keynote presentations addressed the conference's aim to offer a "renewed perspective to the fundamentals and common ground that inform our work". The first speaker, Hannah Curtis, is a psychoanalytic psychotherapist with a social work background, who lectures at the Centre for Psychoanalytic Studies, University of Essex. She spoke of how the aim of psychotherapy is to go beyond the relief of symptoms and enable greater psychological freedom. She drew an interesting parallel to truth-seeking political processes such as the anti-apartheid movement "long road to freedom" and the need for the client and the analyst to undertake their own journey in a therapeutic context. In this situation, both are required to take the risk of challenging the "internal" oppressor or bully who works against psychological freedom. Hannah also reinforced the key arguments of her book,Everyday Life and the Unconscious Mind (2015), which explores "psychoanalysis without the jargon" and the challenges and value of psychotherapy where the truth is often denigrated and denied. The second speaker was Bob Hinshelwood, Emeritus Professor in the Department of Psychosocial and Psychoanalytic Studies, University of Essex. Well-known to many members of APPCIOS, Bob provided a thought-provoking presentation, which drew from his book,Countertransference and Alive Moments (2016). Initially he discussed enduring and living issues about the clinical application of countertransference. He highlighted how Sigmund Freud himself sometimes expressed contradictory views as to whether the analyst should disregard their own feelings stirred up by the patient or attend to them. Bob explored how countertransference is best used in the "here and now" therapeutic relationship – where effective interpretations will influence the course of the therapy by opening up new associations for the patient. Like Hannah's presentation this highlighted the overarching purpose of psychotherapy for therapists and clients alike to better know their own minds. Following on, Gary Fereday, Chief Executive of the British Psychoanalytic Council (BPC), gave a brief talk about the collaborative efforts of different boards to ensure better co-ordination and support for practitioners who can often feel isolated. He showed a map highlighting the relative scarcity of BPC members in East Anglia. However the fact that the conference was oversubscribed indicated that there is a high level of interest in further developing a regional network. The small group discussions explored this further. In my group, participants included psychotherapists from different orientations, psychotherapists and a psychiatrist- in-training. And in the plenary at the end, groups agreed for the network to prioritise: offering mutual support improving awareness of existing resources regionally informing about local training available due to the relative scarcity of experienced supervisors locally. providing more psychotherapy training locally (see box for details of training currently available). To raise awareness and interest in psychoanalytic ideas and practice – in part to ensure increased commissioning . Whilst recognising the wide-ranging training and career backgrounds of participants; the limited diversity, in terms of age, class gender and ethnicity was also acknowledged. Some concerns were expressed about "clannishness" amidst local groups historically, based upon their varied orientations and training. Finally, thanks were given to Dr Tim Fox and Anne Jennings for the initiative and hard work they had put into setting up the conference. The next steps agreed were: further mapping of individuals and organisations with psychodynamic orientation and the sharing of contact details of participants. sharing information about current providers of relevant training within the region and the viability of additional training. meeting next year – with further consideration of local groups. I was struck by the similar aims and ethos of the emerging regional network and APPCIOS. Both have the potential to bring practitioners with a psychodynamic orientation together in an inclusive, "ecumenical" way. And whilst there wasn't opportunity at the conference to detail the scope of APPCIOS, I was approached a few attendees at the end wanting to find out more. Jenny Sprince comments: As Richard says, this inaugural conference was oversubscribed. But when Tim Fox invited Bob Hinshelwood to speak at this conference, Bob – who is our chair of trustees – talked to Tim about the work of APPCIOS. As a result, Tim kindly ensured that Richard was able to attend, so that he could report back to APPCIOS members. Tim and I have since met,and we both hope to be able to find ways of collaborating at some point in the future. For more information about psychotherapy training available in East Anglia, visit: Catalyst, Lowestoft, provides training in psychodynamic counselling. www.catalyst-wcs.org.uk University of Essex, provides training in psychodynamic counselling. www.essex.ac.uk/courses/pg00750/3/ma-psychodynamic-counselling Cambridge Society for Psychotherapy offers training in psychoanalytic psychotherapy www.cambridge-psychotherapy.org.uk Information was also provided about the two-year course in Infant Observation provided by the British Psychotherapy Foundation, Cambridge www.tinyurl.com/bpf-infant-observation Mentoring Mentoring for Associates and Senior Associates We were delighted to have people stepping forward to become mentors after the Autumn newsletter. As new associate and senior associate members join APPCIOS there is a continuous need. If you can spare a couple of hours per term please contact Anne Marie:email@example.com. Full Members Tiziana Bassini and Fiona Henderson are working hard to network with full members and have introduced the practice of contacting and getting to know all new full members. We wish all our members a happy and productive summer. Webinars The six-week low cost webinar ran with four participants coming, as is often the case with APPCIOS, from all parts of the country: Edinburgh, Essex and London. The geographical diversity was valued by members who also commented on the similarity of issues: e.g. unacknowledged anxiety leading managers to be ever more controlling and keener to have statistics and reports in a defensive way. The need for a peer group as well as good supervision was articulated and of course chimes with what APPCIOS wishes to provide. Although apprehensive about technology at first members expressed an appreciation of being able to take part from the comfort of their own homes after a demanding day at work. Susan Maciver hopes to run another short term, low cost webinar in the autumn and would be pleased to have expressions of interest. firstname.lastname@example.com Therapeutic Supervision Webinars I am pleased to report that I have a webinar group running this year with four practitioners from social work, fostering and adoption, and looked after children's services. We are reading papers together and discussing our therapeutic supervision work with organisations and teams. This is a continuing professional development resource that meets online one evening a fortnight. The aim is to develop skills and confidence in providing therapeutic supervision to staff in vulnerable and stretched services where morale is often under strain. We are thinking a lot about how to help teams sustain professional pride and expertise when austerity and managerialism are creating cultures where clients are seen as units of production and specialist skills are camouflaged in generic clothes. In these challenging times it seems all the more important to have ways of meeting up to engage and enthuse our thinking around relationship-based work. Fiona Henderson (email@example.com) Fiona Henderson and Susan are poised to run an information session for members thinking about offering a webinar. As they wrote: "A few years ago, if anyone had told us that we would be running webinars online we would have been incredulous. It has been for both of us a very interesting and worthwhile journey." If you have missed the information session, please feel free to get in touch. email@example.com and Susan's address as above. Fundraising appeal We are raising funds to enhance our web site development, specifically for our on-line campus to enable our members and partners to connect through virtual learning communities. If any member works for a Charitable Trust, we would be very grateful if you could find out whether your organisation would be in a position to make a 'Charity to Charity' voluntary donation, either one off or annual. if you could let us know we can then make further contact. Thoughts, ideas, new projects? We'd love to hear about them! Keep in touch as we will with you.


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This was published 8 months ago
What's the best kind of account for my kids to get compound interest?
Question: I recently read your article titled 'Save Early and Often to harness the Power of Compound Interest'. Your analogy of the train and the vast differences made by starting investing young, as opposed to starting when children are older, compelled me to reach out. Whilst I am 24 myself, I would really appreciate the opportunity to begin a fund of this sort. I've read a great deal lately about compound interest, yet I've found that the most commonly used figure of compound interest (between 8-10 per cent) is actually rather hard to find. Most banks that I've been able to find that offer compound interest accounts offer around 2 per cent. I guess my question is, how does someone actually start out? If I'd like to begin a compound interest fund for my future children, where do I go and how do I go about doing this?
Answer: The essence of compounding is that the earnings are added to the capital which increases the overall rate of return. The process works so well that even small increases in the rate of return can make massive differences over time. You can use the compounding effect in interest-bearing accounts by letting the interest build up, or you can use it in managed funds such as quality share trusts by having the distributions added to the capital instead of being paid to you. You mention a rate of around 9 per cent – that is what the Australian sharemarket has done over the last 30 years if income is reinvested. The numbers are normally something like 5 per cent growth, and 4 per cent income. It's important to start early because the effects of compounding magnify over time. An insurance bond that invests in Australian shares would be an appropriate investment for your future children's education. The profits will accrue in the form of bonuses to give the compounding effect, and because there is nothing to declare on your tax return each year, you won't be hit by the punitive children's tax.
Question: I have an account-based pension begun in December 2014. From that I am paid about $61,000 per annum. I also have funds in an accumulation account. I am considering changing this to a pension account as it will pay a higher rate of return and I will receive about $12,000 a year. The totals for both are under the $1.6 million limit. Will this affect the Commonwealth Seniors Health Card and how the income eligibility will be calculated given the pre- and post-January 2015 changes?
Answer: If you re-structure the product you may lose the grandfathering provisions you are currently enjoying. This means for Centrelink income test purposes your superannuation fund will be subject to the deeming rules. As you know, the deeming rules changed recently, and you may find that there is no major disadvantage by changing over. It's important that you get your adviser to do the sums.
Question: If I have an investment loan of $280,000 and pay it down to $10,000 then redraw $100,000 for a share investment can I assume that all is OK as long as I strictly claim the interest on the $100,000 share investment loan against my share investment income? The reason for doing this is that the property investment interest rate is significantly below other interest rates on margin loans, for example.
Answer: As long as the money withdrawn is used to acquire income producing investments such as shares, there should be no problem. Issues arise when people withdraw funds from their investment loan accounts for private purposes such as paying credit card bills.
Question: I'm 46 and my wife is 43. We currently earn a combined $225,000, live in Melbourne, and have $130,000 in super. We have three young children and are considering a tree change in order to spend more time together as a family. The sale of our current home will yield net proceeds of about $1.3 million. We plan to spend about $750,000 on our new home in the country, leaving about $500,000. We are aware that our new home will probably not appreciate at the same rate as our former city home (rentals are limited) and want to invest our excess money, and perhaps some borrowed funds in a secure environment. We are inexperienced investors. Our income after the move is likely to be approximately $200,000 combined.
Answer: You are certainly doing well. The name of the game is diversification, and it sounds like you are intending to replace an asset with strong potential with one that will give you a good lifestyle but not so much potential. One option is to put part of the proceeds into a property in Melbourne (if you can find one with good potential), and arrange the financing so it's neutral geared. This would enable you to maintain your interest in the Melbourne property market. You could then take advice about borrowing against the new property with a home equity loan to invest in a basket of quality managed funds. This should give you diversification, and still leave you within your comfort level. Alternatively, you could simply invest in the managed funds without borrowing.
Noel Whittaker, AM, is the author of Making Money Made Simple and numerous other books on personal finance.


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Paste (Ctrl + V) your article below then click Check for Plagiarism!
The growth of the Internet during the last decade has given us exceptional access to information. Unfortunately, one of the side outcomes of this new-found get entry to has been an boom in plagiarism.
Advanced Plagiarism Checker tool use google search engine to check the plagiarism. We may switch to the other option to check the text plagiarism if we feel the output would be more precise.
With significant content material to be had at the internet, it has in no way been simpler to copy and paste proprietary content from the net and pass it off as ones own writing. In response to this exercise, plagiarism checkers tout the potential to find plagiarism in written paintings. However, several misunderstandings have arisen about how those services paintings and must be used.
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In academia, journals are using plagiarism software to come across duplicative book, on occasion called self-plagiarism. Self-plagiarism would possibly occur while a researcher submits an editorial to a journal earlier than studying that it changed into generic some other place or while an writer is predicated too closely on their self-authored passages from formerly posted works.
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According to John Barrie, the co-founder of Turnitin, to efficiently rewrite a paper in order that it passes through their plagiarism checking tools, one has to modify or update every 0.33 phrase. This method that plagiarism checker equipment can locate very short passages of content—inclusive of paraphrased passages—making the software difficult to idiot, despite rewriting.
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For as long as there were plagiarism detection tools, there were those looking to "cheat" the system, including the use of macros, altering characters, or using different "hints" to pass these computerized systems. However, these hints are old and ineffective.
Tabitha Edwards, Senior Product Manager with Turnitin, reports:
The Turnitin carrier is usually stepped forward to circumvent cheat strategies that we find online and techniques that we discover on our personal.
Some advise that they are able to fool plagiarism checkers through "wordsmithing" or significantly changing a passage to avoid matching text. However, as evidenced above in delusion 3, rewriting a paper would require modifying at the least each third word, which, in short, is more difficult than accurately paraphrasing and documenting a source.
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A pocket-sized companion to The Quranic Treasures (a pocket sized anthology of Qur'anic teachings); and Who is Muhammad (pbuh). This book contains a selection of the Prophet Muhammad's teachings arranged under 40 topics . Wonderful gifts of godliness and brotherhood; love and peace; mercy and justice; kindness and fairness; generosity and forgiveness; humility and dignity.
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Select a name below to read more about the members of our team.
Prior to Smith Mason & Co Randy Smith began his career in Natchez Miss. Working on work over rigs. He worked summers on pipeline jobs for both land and offshore Gulf of Mexico. Randy graduated from Delta State Univ. in coaching and teaching science. He worked 4 years in Iran with SEDCO on land rigs as roughneck, derrick hand, asst. driller and Driller. He also taught drilling and well control. Randy progressed into the role of personnel coordinator for West Africa with Sedco for two years also working in the North Sea on offshore rigs teaching well control for Sedco. In 1986 Randy started Randy Smith Training Solutions teaching well control, stuck pipe prevention, True training, drilling technology, and Leadership and Safety leadership in over 40 countries until 2008 upon his retirement.
Prior to Smith Mason & Co Marcus Mason started his career in the Oil & Gas industry with Baker Hughes in June of 2008. Marcus started as a mud engineer in the Haynesville Shale. He was promoted to account manager in the Marcellus and Utica Shale in Pittsburgh Pennsylvania. After spending three years in that role Marcus and his family moved to Denver Colorado to take over the position of Sales Manager for Baker Hughes Drilling Fluids for the Western Geo-Market covering from North Dakota to California. Marcus spent one and a half years in the role leading a sales team growing revenue and market share for the Rockies. After showing strong growth as the sales manager he was promoted to the Operations Manager for the Western Geo-Market. Baker Hughes has afforded Marcus with a strong foundation in management, safety and leadership.
Prior to Smith Mason & Co in 2014, Larry had over 41 years of experience in the Oil & Gas industry and has held positions both offshore and in the office. He began his career working on offshore drilling rigs as a roustabout and worked his way into the office in 1986 as a Rig Move Engineer. Additionally, Larry successfully ran his own company for 15 years providing rig moving, shipyard project management, stability instruction, licensing instruction and new build services to a global list of clients. Furthermore, he has authored several textbooks at clients request and has conducted training for those global clients using these textbooks. Larry joined Randy Smith Training Solutions in 2006 as the Worldwide Marine Training Manager and in 2008 he additionally assumed the role of Technical Training Manager for North America. He built a strong and talented team and continued to grow the team and revenue in North America through the transitional period of the company acquisition by Moody International and the subsequent buyout by Intertek.
Joined Smith Mason & Co. as Well Control Certification and Maritime Licensing Specialist in 2014. Prior to joining Smith Mason & Co., she was with Intertek Consulting & Training where she served as Certification/Licensing Specialist for North America. Jennifer has over 15 years of experience in IADC and IWCF program administration and over 10 years of experience with maritime licensing for USCG, Liberia, Panama and Vanuatu flag states. She holds a BA in Political Science from UL Lafayette and is a Notary Public for the State of Louisiana.
MAHDI NAMVAR - Technical Well Control Manager
Mahdi received his bachelor's degree in petroleum engineering from University of Petroleum Technology and his master's degree in petroleum engineering from University of Louisiana at Lafayette. He graduated in May 2011 and started his career with Halliburton in Permian Basin shortly after graduation. He worked as Senior Technical Professional in cementing and production enhancement PSL. He also worked as Conformance specialist for Halliburton.Beginning of 2014 Mahdi started working as an independent drilling consultant supervising horizontal drilling operations in Permian Basin. He joined Smith Mason & Co in April 2015 as Well Control and Drilling Technology Instructor. Mahdi has a number of publications in SPE and other national and international conferences. He has been an active member of Society of Petroleum Engineers (SPE) since 2004 and American Association of Drilling Engineers (AADE) since 2009.
Started in the oil industry in 1975 with Otis Engineering - work over, well servicing and completions - joined Prentice & Records in 1980 teaching courses in drilling and work over well control - in 1985 joined the petroleum faculty at Odessa College in Odessa, Texas - authored the well control text for the department and gained MMS approval for the course - conducted drilling and work over well control courses - also worked in the field as a well control and H2S consultant for various operators in the Permian Basin - joined Chapman and Associates in 1990 teaching well control -joined Randy Smith in 1996 - conducted class in drilling and work over well control as well as stuck pipe, drill string failure prevention, TRUE, advanced drilling well control and drilling practices - wrote numerous area-specific courses in well control, completions operations, air drilling and general drilling practices for various operators and contractors.
Started oilfield career as a mud engineer for Newpark Drilling fluids. Then as mainly a well control instructor, spent 15 years in help building WCS into one of the biggest training providers. In 1998 went in-house with R&B Falcon and later Transocean as a well control instructor. Joining Randy Smith in 2002 as a technical instructor remained there through the acquisition by Moody International and later buyout by Intertek. Find it to be exciting to join Smith Mason & Co and looking forward to help it build and grow.
Joined Smith Mason & Co in August 2014 as Executive Administrator. Formerly with Intertek C&T, she worked as Administrative Assistant. She began her career with Randy Smith Training Solutions in 1998 as Coordinator of the Engineer Trainee Program and Files Department. Also having the opportunity to serve as assistant to Human Resources Manager for many years and working in Customer Services. While working at Randy Smith Training Solutions she attended Drilling Practices, Leadership and Experiential Training classes Coordinated by Randy Smith and his Team.
Joined Smith Mason & Co. in 2014 as an Accounts Receivable/Payables Specialist. Prior to joining Smith Mason & Co, she was employed with Intertek Consulting & Training for over 6 years working in both Accounts Payable and Accounts Receivable for the North America region. Andrea has over 10 years of accounting experience including Payables, Billing, Payroll and Collections. She also has a great understanding of international billing and requirements. Before working in the training industry, Andrea worked in an Administrative position within a heavy equipment business.
Hannah Smith Mason - Business Development & Community Outreach Coordinator
Bio coming soon


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Legends Belt Tee
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Black Belt Magazine's history is made up of the legends that have molded the martial arts into what it is today. Honoring them this symbol from the original Black Belt Magazine logo represents those that have helped the martial arts and helped Black belt Magazine become what it is today.
Item No. BBE28


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Considering the ever increasing crime rate in Delhi, Self-Defence classes for women have become extremely important. However, it is not only the women who must join these Martial Arts classes in Delhi but it is equally important for kids as well as for men.
Almost everyday in newspapers, we read about various incidents of crime like rape, murder, domestic violence and so on. Several types of programmes are shown on TV nowadays to make people aware of such kind of happenings. But majority of us see it as just another episode of a daily soap and do not wish to take any action. But here, only an appropriate action would be to make an effort to find out about the nearby self-defence classes for kids, women. In case you cannot find such classes nearby, then travel if required, but make sure you join a Martial Arts training centre as it will be only for your own and your loved ones' safety - it won't be a favor to anybody but to yourself. Your safety is your own responsibility, so do not rely on others for it, as by the time any help arrives ("if it does arrive") maximum damage possible might have already been done.
Now the question is among the vast number of trainers & Martial Arts schools in Delhi, how to select which is the best martial arts school for yourself or for your kid. The answer is call various martial arts or self defence schools in Delhi, set an appointment for a trial class, attend the trial sessions at all these centres & join the one which you feel is the most authentic in terms of content taught, the experience & background of the trainer, who all he/she has trained earlier. PLUS other important things to look for are discipline, punctuality, attention span per student, rules & regulations of the class.
We offer a wide range of Self-Defense, Fitness and Personalized Training services
Indispensable defense techniques
Learn defense techniques against all armed and unarmed attacks, release techniques from all sorts of grabs and holds, protect yourself against real life day-to-day threats and much more.
Learn more
Reach your own personal fitness goals
We offer a range of fitness and wellness services and instructional programs, including your own Fitness Assessment tests. These services are designed to meet all your health and physical well-being requirements.
Coming Soon
Custom programmes to meet your needs
We also offer completely customized services, to meet your personal requirements for learning self-defense, meeting your fitness targets, weight-loss, Yoga, aerobics exercises for strength and so on.
We are so proud of the grooming that we provide to our students. Please take a moment and read what they have to say about their experience undergoing training with us
VISHNU SOM (NDTV news Senior Anchor, Reporter & Editor)
I have had an outstanding stint with Anuj Saini as my Self Defence trainer. Anuj is a skilled and compassionate trainer but pushes you to reach new levels of endurance, skill and strength, essential in picking up advanced techniques in Self Defence. There are several other advantages in being trained by Anuj. Self Defence is not only about offensive and defensive techniques to handle a crisis. Courses run by Anuj ensure that a trainee reaches a level of physical and mental conditioning that...
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IADA MARTIN (I.P.S 2009 Batch National Police Academy)
Anuj is an excellent trainer with good technical expertise, which along with his great physical shape and indomitable spirit makes him one of the best all round trainers in self defence. A tough work master with the ability to bring out the best from his trainees and a knack for recognizing their strengths and weaknesses further adds an advantage to his abilities. Added to these is the one character which is so missing in today's present world but which is found abundantly in him; a good man; a good friend.
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The company acknowledges the importance of Privacy, Personal Data and electronic transactions has received all measures necessary, wit the most advanced modern methods to ensure maximum security. All information regarding our users are treated as confidential and ensured by obliging with current laws about insurance of personal data. Security of the e-shop is being achieved by the following methods:
Customer Identification
The codes used to identify the user / client are two: Login (Username) and Personal Secret Security Code (Password), who each time you enter the access to provide absolute security to personal information The only one who It has access to the data of the same through the above code and is solely responsible for maintaining the privacy of third persons. In case of loss or leakage should to immediately notice the COMPANY, otherwise not responsible for the use of a password by an unauthorized person. The online store of COMPANY in no way disclose or publish personal data and information to users / customers. The personal data are used exclusively for the efficient execution of transactions. All information is encrypted and stored safely.
Ensuring Privacy of Transfer of your Personal Data
To ensure privacy of data transfer, the Company uses the SSL-128bit encryption protocol. The system has been certified by the company COMODO, which specializes in security transactions.
From the beginning to the end of the connection (on-line session) to the online store the COMPANY all information and the personal data of the user / client is encrypted based on the encryption protocol SSL 128-bit. Encryption is basically a way of coding the information until it reaches its recipient, who will be able to decode it using the appropriate key. Each time associated with the online store COMPANY, all communication between the computer user and the COMPANY systems is encrypted using a key 128 bits. That is, each time you send information to the system, the browser encrypts first using 128 bits key and then sends them to the system. The system COMPANY first decrypts the information received using the same key (which is predetermined at the start of the user's connection to the service) and then processes it. Systems COMPANY, send information using the same encryption process.
Input Codes (Username) & Security (Password)
To enter the online store COMPANY user uses two codes, the Code Input (Username) and Personal Security Code (Password). The online store COMPANY enables you to change your Personal Identification Security Code (password) as often as desired and the COMPANY recommends that, for safety reasons, that users change the password regularly and avoid using the same codes.
Personal Data – Transaction Confidentiality
The user data (name, occupation, address, home address, landline phone, mobile phone, etc.) And transactions for users of the shop are confidential, as in ordinary transactions at the business premises. Users in the provision of their data in the context of their transactions as with this, you will be informed by the Company and agree and accept the impending data processing such personal data for the purposes of smooth and easy between the transaction parties, also the transmission of such data to recipients who will be specifically identified, are the servants and agents of the company in the context of processing the trainee contract. Also with the present notice of the existence of the right of access and right to object under Article 12 and 13 of Law. 2472/1997. They confirm that only authorized employees have access to information and transactions only when necessary, e.g. for processing orders.
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We had a laid back Easter, pretty simple and lots of fun. With time for crafting and egg decorating in the afternoon, which is alway a plus for me. Walmart sells these plastic eggs that are great to embellish and also take paint well. They can be cut open to create an interior scene too. I poked two holes in the top to feed a wire through, and dangled a butterfly on, then made a glittered, moss nest with genuine pearl eggs. It is mounted on a tiny tart tin and has vintage millinery covering up the holes on top.
Since Dewdrop was away, Sugarwings was our only small child for the annual egg hunt on the Fairy Berry Trail.
But she had a little help from a friend.
When I got a new convection oven a few weeks back, I was so excited to try it out, I baked a turkey, and stuck some in the freezer, which was great to have waiting and ready to go for the holiday. I might do that more often. I made noodles with most of the frozen turkey, and saved some of it to make gluten free noodles for Sugarwings. Since we have vegetarians at our table, I also made noodles with Swanson organic vegetable broth. I've found that by adding poultry seasonings to that brand of broth, I get a nice, traditional flavor that works well with noodles. Other brands haven't done as well for me.
Our family has a tradition of eating egg noodles over mashed potatoes at holidays, something that started with my mom.
While it might sound complicated to make three different kinds of noodles for one family, it really wasn't a big deal. And I prepped those along with fruit salad, green bean casserole, and roasted veggies the day before, so all I had to do was pop pans into the oven, warm up the noodles, make mashed potatoes and bread on Easter Sunday. I was happy with myself for getting so much done the day before so that I could relax and enjoy my day with the family.
We had plenty of time to sneak out and go to a movie, "Home". And if you've seen it, you'd know how perfect a choice it was for Easter, those "booves" changed colors with their emotions and the little aliens reminded me of Easter eggs.
Lots of crafting got done by part of our group, while others worked in the garden, and our dinner cooked away pretty much on its own.
I am going to remember how much I enjoyed this day as I get ready for Birdsong. It is entirely possible to have a delicious meal mostly made up ahead of time, so that I don't have to spend as much time in the kitchen, and I can have fun being with people I enjoy.
Birdsong is so special to me, but I often run around so busy, I don't get to hang out the way I really want to. Well NOT this year!! I'm doing some serious planning ahead.