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Building a Cognitive Data Management Practice
Building a Cognitive Data Management Practice
Data management is the core task of IT, yet it has been sadly undervalued and largely ignored for the past thirty years. However, the unprecedented growth of data – in the 10-60 zettabyte range by 2020 – has larger firms and public cloud services, who are concerned about how they will store all the data cost-effectively, suddenly very interested in developing a data management strategy that combines the latest technologies into a serviceable cognitive data management capability. This paper looks at the drivers of, the requirements for, and the essential functionality of cognitive data management.
In a 2016 survey of IT planners conducted by a leading industry analyst, the top three technology initiatives cited by respondents fell within the domain of data management. Priority was assigned to:
- Improving data security and privacy, especially in the wake of hacking incidents, phishing incidents, and ransomware attacks in the 2015-2016 timeframe,
- Consolidating backup and disaster recovery planning, to ensure that critical and irreplaceable data assets were properly protected against natural and man-made interruption events, and
- Building better programs to ensure proper data governance in the face of changing legal, regulatory and business mandates.
Accomplishing any of these objectives will require a much improved data management capability since each requires a more granular understanding of data and the selective application of managed data services to data of different classes.In larger firms, and in the so-called "industrial farmers of the public cloud," an even larger concern is how to cope with an explosion of data that analysts peg at between 10 and 60 zettabytes of new data (mainly files and objects, or so-called "unstructured" data) expected to hit cloud and big storage platforms within the next three years. Simply put, the annual output of the entire disk drive and the entire flash memory industries will deliver storage capacities of roughly 780 exabytes and 500 exabytes respectively – about 12% of the capacity needed at 10 zettabytes, about 2% of the capacity demand generated by 60 zettabytes.This data growth is the natural outgrowth of three trends:
- The increasing conversion of analog information (film, paper records, analog audio, books, etc.) into digital formats, and the explosion of data created by the growth of digital video in extremely high resolution formats (4K and beyond),
- The Internet of Things (IoT) and the collection of billions of data sets from sensors to fuel Big Data Analytics and data mining.
- The rise of mobile commerce (M commerce), which has a tendency to generate 100 to 1000 transactions in Systems of Record for every one order placed by a consumer via their smartphones, tablets, laptops and other mobile computing platforms.
Without the improved capacity utilization efficiency enabled by effective data management, these firms will need to discard large quantities of the data that is being amassed.In certain industry verticals, including media and entertainment, the need to store and manage massive amounts of data in a manner that facilitates re-reference and reuse is not a new problem. This includes the ability to share data efficiently and securely for purposes including collaborative editing, packaging and repurposing for different delivery platforms, and ultimately to preserve digital assets securely once projects are complete. The increasing production of creative visual and aural projects in digital formats has kept M&E on the cutting edge of technologies for data classification (metadata standards for different media, digital rights management, etc.) and policy-based management of creative workflows and their output. However, the preservation of data assets once production work is complete is still a challenge to be surmounted. This is especially the case in the M&E world, where data is rarely deleted and therefore must be hosted reliably and cost-effectively, literally, forever.Coping with data growth and retention requirements in all industries will require a more complete data management strategy.
These trends help to explain why data management is suddenly front of mind for so many IT planners. Unfortunately, very few IT professionals have a clear notion of what data management is, and how to apply a data-centric approach that can overcome inherent complexities of storage-centric realities. This paper is intended to help set the stage for building a cognitive data management strategy.
It is worth clarifying at the outset what is meant by "cognitive." Truth be told, data management strategies in the past have involved the manual assignment of the right storage resource and the right protection, preservation, and privacy services to each file or object. Because of the effort required, it is not surprising that this task was demoted or eschewed completely by administrative personnel consumed with operations tasks. Moreover, with the movement of computing beyond the walls of the data center into both distributed on-premises platforms and public clouds, the data management discipline formerly practiced in mainframe operations has fallen into disarray. Mainframe data management tools, for the most part, did not transition into the distributed world, and the skills training provided to many contemporary IT practitioners has omitted data management best practices altogether.
Cognitive data management seeks to leverage the most recent advances in cognitive computing to automate the manual activities involved in data management. The intent is to reduce the administrative burden imposed by data management, to reduce the possibilities of error, and to streamline the stewardship of irreplaceable data assets that is the organizing principle of business information technology. Together with a storage resources management engine, storage services management engine, and a data management policy framework, the cognitive management platform is the centerpiece of contemporary data management strategy.
Data Management defined
Data management, as a technical term, is poorly defined. As a marketing term, it is used to describe whatever product or service a vendor seeks to sell.
- Data Management as HSM: To some it means processes for migrating older, less frequently accessed and seldom modified data from high performance/high cost/limited capacity storage to lower performance/lower cost/greater capacity storage over time. This is also known as hierarchical storage management or HSM. Commonly used in M&E and HPC, this older approach becomes more difficult with large number of files and working across different file systems and storage types.
- Data Management as ILM: Some regard data management as the efficient allocation of appropriate storage resources and services to data throughout its useful life. This interpretation derives from Information Lifecycle Management methodology or ILM.
- Data Management as Archive: Still others see data management as a process for placing data into archival storage based on video, curation, business policies, legal requirements or regulatory mandates governing data retention.
- Data Management as Global Namespace: Others regard data management simply as the placement of data metadata and locational references (where data is physically located on infrastructure) into a common object index or global namespace. The intention is to facilitate individual and collaborative data access whenever the data is needed.
- Data Management as Data Protection: Using data- centric policies to define how each file should be protected during its data life cycle.
- Data Management as Storage Resource Management: managing storage resources regardless of vendor or file system to simplify storage optimization and migrations.
These "definitions" each describe part of the functionality of data management, but they do not provide a definition. Data management isn't a product or a process, but a practice, based on a deliberative strategy, designed to provision both the right storage resources and the right storage services to the right data at the right time based on business- and data-facing policies. Data management continues throughout the useful life of data assets and works dynamically to migrate data as workflow requirements and the status of data, resources, and services change over time.
Essentially, data management seeks to make more efficient and automated the four activities common to all IT operations.
Data management helps define what is initially done with data when it is created by end users or applications, what storage is provisioned to store the data for optimal access and update frequency. And, as previously, noted, data must be migrated to different storage platforms over time as access and update frequency change (typically, file and object re-reference rates fall sharply within a comparatively short time after data creation) in order to free up expensive high performance/low capacity storage for new data. Such data migrations optimize infrastructure expense and may ultimately lead to the placement of data in some sort of storage archive for data with longer term retention requirements; a third activity in data storage. And finally, when data reaches end of life, it needs to be deleted – though the requirements of M&E, oil and gas, and other verticals typically include the "eternal" preservation of data for future reuse.
This tableau of common data storage activities provides a general description of the domain of data management. While it may seem to be straightforward and readily understood, in fact each set of activities are fraught with complexities.
To manage data creation, for example, planners must consider carefully the answers to questions including:
- What is the most cost efficient way to platform data?
- What is the best way to meet data accessibility/ mobility needs?
- How can we minimize latency to optimize application performance?
- How do we bend the capacity demand curve? How do we best protect irreplaceable data assets?
These are important issues that need to be resolved if organizations are to begin the process of data management with policies that optimize data accessibility, data use, and data protection, preservation and privacy.
Data migration, the second set of activities associated with data management, is also fraught with questions that need to be addressed by IT planners. These questions may include:
- How much does a tiered storage environment cost?
- Can I apply tiering policies between legacy storage with different storage types or file systems?
- How do I design for optimal data distribution with lowest latency?
- Who will design policies?
- What kinds of media should be included?
- How best to track files and objects as they move around infrastructure?
The answers to these questions suggest additional requirements for data management that may not be apparent from a simple review of data storage activity. At a minimum, providing a dynamic data migration capability requires policies that specify what data will be moved – requiring an understanding of the data itself and some means to obtain up-to-date information on its re-reference rates and update frequency status.
Additionally, we need to know the current status of storage resources (media, systems, interconnects, etc.) and storage services so that real time decisions can be made about the best target location to which data will be migrated so that capacity utilization efficiency and cost of storage is optimized. And, planners need to decide when the data will be moved: under what conditions or in the presence of what "trigger" events.
These are the four components of true Information Lifecycle Management, as defined by IBM in the early 1990s. ILM was seen to require a form of data classification (so you would know what to move), some form of storage classification (so you would know where to move it to), pre-defined policies (so you defined the trigger for moving the data) and a data mover (functionality for actually moving the data).
Conceptually, this is also similar to the methods employed by many storage vendors to define storage tiering architectures or hierarchical storage management (HSM) policies. HSM envisions several tiers of storage with different capacity, performance, and cost characteristics. Data is staged on each tier for a period of time, ultimately finding its way into an archive or retention tier: Research by Fred Moore at Horison Information Strategies has demonstrated that the cost to store a petabyte of data using only Tier 0/1 high performance/low capacity flash storage is about $1.5 million. Using Tiers 1 and 2 (flash and disk) reduces the cost to $1 million, while including Tier 3 storage (optical and tape) in the mix can drop the cost to $587,000.
Before HSM or ILM or any other form of data migration process can be mounted, you also need to maintain a global index, inventory, or namespace for all objects and files that can be updated dynamically in terms of location and alternative access paths as the files or objects themselves are moved around between different storage platforms. So, part of handling data migration will also include the definition of a global namespace and a process for updating it with data status and location, storage status, storage service status (the services that will be applied to data per policy to ensure data privacy, protection and preservation), and the availability and congestion of all routes to the storage target (so the best path to data, the path with the lowest latency, can be selected). Deceptively simple, managing data migrations can be a challenge.
Tier 3 storage, consisting of high capacity disk and/ or optical disc, but mostly magnetic tape, storage is sometimes thought of as an archive tier. Archive is another set of processes under the data management umbrella intended to conform data retention and preservation to business requirements and legal/regulatory mandates. As with the other activities, archiving too presents a set of planning questions that need to be addressed as part of a data management strategy-building initiative, including:
- How expensive is archiving? Is it worth it?
- What is the best design for an archive?
- How do we migrate data into the archive on premise or in a cloud?
- How do we adjust to changes in the technology platform, data types, changes in policies?
- How do we certify that our archive is compliant with legal, regulatory and business requirements?
- Can we integrate an "evergreen storage strategy" enabling auto-migrations between storage products, regardless of vendor, file system or storage type. A data centric approach to management that can blur the lines between storage products.
Archive is especially interesting because the access and update characteristics of archived data make them good candidates, in many cases, for cloud-based storage. Cloud service providers have begun offering archive to disk or tape as a core offering, since the profitabilityof such a service is potentially quite high (low cost for storage media and low touch/low administration overhead). However, going to the cloud for archive also widens the set of questions that must be addressed by planners. Finally, data must eventually be deleted. While the thought of data deletion may be anathema to auditors, the fact is that most data has value for only a limited period of time. Beyond that time, it is occupying space on expensive storage media and, in some cases, retaining a "memory" that for legal reasons might be better forgotten. In industries where data is preserved forever, deletion of primary assets may not be required for a managed data solution. However, in virtually all environments, datasets have a tendency to be replicated many times during useful periods. It has been estimated that tens of copies may be created for any file or object, occupying more expensive capacity. So file deletion policy may need to consider at a minimum the issue of how to locate all copies of files so they can be deleted once the original is preserved. Again, incorporating data deletion into your data management strategy requires the solution of a number of questions that include:
- How do I ensure that my data deletion policy complies with regulations and laws?
- How do I ensure that all copies of data are deleted at End Of Life? What is the best approach to identifying what data to delete and when to delete it?
- Is there a way to reclaim media after deletion?
- Can data deletion be automated safely or is human operator review always required?
The moving parts of Data Management
As the preceding overview suggests, data management has many moving parts. Achieving the goal of professional and effective data management requires more than the attention to data itself, it also requires careful attention to the management of storage resources and storage services. Data management policies should specify what data is being acted upon, where data will best be stored to satisfy access and update — and perhaps regulatory – requirements (storage resources), and how should be protected while it is in that storage location (which storage services should be used). At the same time, gating factors in designing management policies include the governance, risk and compliance policies of the business, the special demands of workload, the inventory of resources and services in the infrastructure, and, of course, the budget for doing anything at all.
Wrangling millions or billions of files and objects, and provisioning them individually with storage resources and services, would be a Herculean effort. In most firms, IT planners have leveraged vendor hardware designs and deployment architectures to establish tiered platforms and logical migration paths for data. Unfortunately, data management-by-platform does not scale very well.
Management by data type is another "simplified data management" approach: All files associated with a specific application or user role are managed via a common policy. Unfortunately, many productivity applications do not generate files whose name or extension readily identifies the creator of the file or the business process that the file serves. Asking end users to add more description to their files prior to saving is the technical equivalent to pulling teeth. So, management by data type has limited efficacy.
These days, the serious data management strategy leverages metadata (data about the file or object that is stored with the file/object itself) as a means to classify data so that it can be managed via policy. Techniques range from using minimal metadata detail to classify a file so that a policy can be applied to aggregating multiple types of metadata to add increasing intelligence about the data and thus achieve much higher granularity in data classification.
However data is classified, the classification system needs to become part of a data management policy framework. The framework is part index/namespace, providing a location for storing file/object information, metadata, status and location. The framework also needs to take status information from storage resource management and storage service management monitoring engines so that storage can be classified and service broker burdening can be understood. Only in that way can policies be executed by either human or cognitive machine managers.
The policy management framework, storage resource management engine, and storage services management engine may be purchased as separate components from different vendors, creating an integration challenge and possible lock-ins in terms of supported hardware or service software. Fortunately, work is proceeding on unified data management technology that incorporates the functionality of all three components sets.
The jewel of the crown, of course, is the cognitive management platform. Cognitive data management uses cognitive computing to augment and automate many of the repetitious and time-consuming data management activities previously provided by a human actor.
Cognitive data management reflects the dynamism of data management and the need to respond to constant changes in the status of data itself (file/object utilization metrics and retention requirements), the status of storage services (the burdening and proximity of storage service brokers), and the status of storage targets and pathways (resources). The greater the volume of data and the more complex and heterogeneous the storage infrastructure, the more challenging the tasks of data management. Automation is required for success and cognitive computing provides a technology with promise for automating the data management task.
Into the future
Cognitive Data Management is about instrumenting the infrastructure and the data for policy-based management. Metaphorically, CDM can be viewed as a nervous system for IT. Management APIs, providers and MIBs act as afferent neurons that monitor the condition of the infrastructure components and services. Some APIs and providers provide the means to act upon the monitored devices or services, calling them into action or retiring their function with respect to certain data; these are similar to efferent neurons. These can feed impulses directly back to the neural network or cognitive computing engine (the brain), or they can provide functions in a more local way via clusters of neurons (nerve fibres, nerve bundles or ganglia).
In operation, whether centralized or federated, this cognitive management platform continuously monitors and updates its namespace and inventories and actuates infrastructure based on stored policies. Below is a very high level topology for a CDM infrastructure.
Defining a workable CDM for your organization will require a cooperative effort by data creators (line of business managers, project managers, etc.), IT operatives, governance, risk and compliance management, technology vendors, and others. It will also require senior management buy- in to the vision of CDM that can be obtained by providing a full business value case for the initiative.
- Planners need to identify the contribution that a data managed environment will deliver to cost- containment (bending the storage acquisition cost curve and managing data across storage assets in the most cost-efficient manner).
- They will need to help management see the risk reduction value of CDM, in terms of downtime reduction (data is accorded the correct protection services), regulatory and legal compliance (data is preserved and secured in an intelligent manner), and early technology investment obsolescence (the CDM solution should be hardware agnostic to insulate it from technology changes in storage or services).
- And finally, planners need to emphasize the improved productivity value of CDM. This may be the easiest narrative to present, since only with managed data can airy goals such as IT agility, as well practical goals like easier data collaboration and sharing, be achieved.
Bottom line
Cognitive Data Management is a strategy whose time has come. It is a strategic initiative that should be considered and prioritized today.


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Whenever something I talk about with patients appears in mainstream media, I always like to share with you. The article I'm going to share with you appeared in Vogue magazine in July 2015 and is titled, "The Learning Curve."
As we discussed a few weeks ago, workouts don't have to take an hour at the gym for you to see results. You can break your workouts up in to 5-10 minute sessions and feel the same if not better results.
An article in Men's Journal July/August 2015 gives some great "micro workouts" for 5 minute workouts to boost your metabolism and heart rate anywhere, anytime, and on any schedule. Enjoy!
Routine 1: Hindu squat countdown
Perform a squat in perfect form sinking as low as possible with your chest up. Explode up and raise your arms in front of you; immediately squat back down. Start at 20 reps, then 15, 10, 5, with a 10 second rest in between each set.
Routine 2: Power holds
Wall sits and planks are excellent for building strength and improving balance. When combined together, you create a total body workout. Start in a wall sit for 30 seconds then move to a plank for 30 seconds. Repeat for five minutes.
Routine 3: Speed intervals
Combine these four exercises: burpees, jumping jacks, mountain climbers and sprint in place. Do each for one minute at max exertion and rest 15 seconds in between.
Routine 4: Complete body weight circuit
Start with 10 jumping lunges (start in a lunge position and jump while you switch legs). Do ten push ups with fingers placed to create a triangle shape. End with 10 bicycle crunches. Repeat as many times as you can in five minutes.
As with any exercise program, you should always use correct form to avoid injury. If you are looking to implement a workout routine but don't know correct form, we would be happy to advise you on how to perform these various exercises. Dr. Diller specializes in exercise prescription and injury rehabiltiation, and would love to help you achieve your goals!
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Whenever something I talk about with patients appears in mainstream media, I always like to share with you. The article I'm going to share with you appeared in Vogue magazine in July 2015 and is titled, "The Learning Curve."
I came across this article on BBC News, and I thought I should share it with you...
We live in a cluttered world! Cities are cluttered, towns are cluttered, markets are cluttered… So is our mind. "Too much to do, very little time…" has almost become a universal phenomenon, creating stress in virtually everyone's life.
As holistic doctors, we place a strong emphasis on prevention of disease and maintaining optimal wellness of mind, body, and spirit throughout all stages of life.
Most of us have probably heard about gluten free diets and have seen multiple products displaying this label. An article in June 15, 2015 of TIME takes a look at two new books that take on today's most controversial food--gluten.
One of the biggest struggles that people have is knowing how to shop and choose the right foods when visiting the grocery store. And while there are SO many choices and a TON of confusion at your local grocer, they've actually made it really EASY...

subset: commoncrawl


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Meet Nilesh Boodhun, the photos he has taken of Colonial doors are of such a quality that Mauritius most prominent fashion designer, Annabelle Fleury was inspired to call her latest Collection "Old Port Louis"
Five years ago young Nilesh began taking pictures with his cellphone. A little over three years later he had saved enough for a Canon camera and had also joined a photography group for both amateurs and professionals.
We decided to drive along the coast from Mahebourg via Vieux Grand Port continuing on towards Poste Lafayette looking for doors. This because Nilesh has gone beyond simply capturing Colonial Houses, he now focuses on the doors, naming them "Timeless Doors"
I asked Nilesh if he thinks about the history behind these doors and how old they might be, and yes he does, read his short story below about his photos, they are beautiful, reaching all the way to the stars …
Like many people I like taking pictures all around, but gradually I started becoming much more interested in the actual craft of photography. While browsing among the many amazing pictures on the internet and following talented photographers all over the world, I was stricken by the mood conveyed through the eye of the photographer to the picture which has nothing to do with just taking pictures. This got me to really start learning about the techniques and mechanics of a camera, the general rules of taking a good photo.
At that time I had my mobile phone then shortly after a compact camera gifted by an uncle. Although gear is not important in taking a good photo I started to realize that I was limited by my small camera, some of the shots and effects I wanted to take proved difficult and impossible to get with.
I started looking for a decent photography enthusiast/pro camera which is a DLSR and my excitement to consider buying a DSLR went down when I saw how expensive and delicate are those gears. I fell somewhat discouraged but then I decided to start saving up and in the mean time keep shooting with what I had.
Photography can be practiced by everybody but if you are more serious than the others about it then some costly investments is necessary.
After a few years having been able to buy my camera, I joined the photography group PAPM on facebook which regroups a lot of talented Mauritians whether they are amateurs or professionals. I started learning more and getting motivated by many of them which became good friends of mine. To this day I still learn and amass knowledge about the art of photography and how to convey a particular mood through a picture.
While on a street photography outing I clicked some old buildings in Port-Louis which some of them had beautiful and colorful old doors. While reviewing the pictures on my computer, I kind of like the feelings emanating from the textures, shapes and colors of the doors with the buildings as well.
I made a first album and from the encouraging comments and feedback I got I decided to make another one and also before those old precious doors and buildings get destroyed to make place for concrete.
So after a couple more albums, I am always on the look for old doors for my next album and I always tries to find really nice and new ones to prevent the photos from being redundant.
One of my other interest is astrophotography which is taking pictures of the sky at night, with long exposure the camera is able to capture celestial bodies outside earth atmosphere such as other planets and even our own galaxy, the milky way which is my favorite part.
I have several times consider doing this passion of mine as a job but unfortunately it is a very saturated market and can be quite unstable. But being a enthusiast is enough as it is always a pleasure of exploring and discovering new subjects to shoot. I am always learning and discovering new techniques to perfect my art
Lastly I would like to mention my favorite quote from David Alan Harvey:
"Don't shoot what it looks like, shoot what it feels like"…


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Our Spirits
Our Spirits
Distilling in Darlington since December 2014. Our Distillers Licence allows us to make our own spirit from the finest "Pale Malt". Coniscliffe Road in Darlington in Victorian times was Paradise Row Hence: "Darlington Distilled on Paradise Row"
Our Gin
WilkinsonEnglish. When considering joining in with the Gin revolution we decided that if we are to be Distillers we "will" be Distillers. We applied for our licence in July 2012 and after a great deal of form filling and fantastic help and understanding from the staff at HMRC we were eventually granted our licence in December 2014. A compounder's or rectifier's licence would have allowed us to buy our spirit from Scotland but we opted to "travel" the full journey. We begin with Maris Otter Pale Malt and brew a mash beer which takes 6 to 7 days to reach up to 14%abv. This, after three distillations along with carefully chosen botanicals and special blending, becomes our WilkinsonEnglish Gin. The same plant and equipment is used for our Spiced Rum and Single Malt Spirit.(Not Whisky as it is only in an Oak Barrel for three months). Whichever of our Darlington Distilled Spirits you choose be assured of the attention and care it has been given.VIEW OUR GIN
Our Vodka
A "Brewers Mash" of Maris Otter Pale Malt is Triple Distilled to produce this Fine, Smooth Vodka.VIEW OUR VODKA
Our Single Malt
A unique "Single Malt" Distilled in Darlington using the finest Maris Otter and Scottish peat smoked malts to create a smooth spirit, full of body with a delicate caramel, slightly smokey finish. Each bottle is seasoned with shards of French Oak which will continue to infuse over time.VIEW OUR WHISKY
Our Rum
Paradise Spiced Rum A hand crafted small batch Golden Rum made with pure cane sugar and molasses. Infused with ginger, cinnamon and Madagascan Vanilla before being distilled in a Copper Pot Still and rested in an oak barrel before bottling.VIEW OUR RUM


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Picking this year's Super Bowl is tough because it's being played in New York City, actually New Jersey, and the weather conditions will be less than optimal. With that being said, we polled some friends from our "expert panel" to get their predictions on the Super Bowl. For those that care, Denver is a 2 1/2 point favorite right now, but that could change.
Former NFL Coach #1: Seattle 19 Denver 10
Former NFL Coach #2: Seattle 22 Denver 20
Former NFL Player #1: Rudy Carpenter (Former ASU and NFL quarterback): Denver 28 Seattle 17
Former NFL Player #2: Andre Hastings (9 year NFL career as wide receiver) Seattle 27 Denver 23
"Raymond Babbitt" making a guest prediction: Denver 34 Seattle 24
That being said, if you want to take a shot at winning $500, then fill out our "Pick the Winner" contest form below and you will be entered. All you have to do is pick the exact FINAL score by team and submit by no later than midnight on Friday, January 31. $500.00 cash prize if anyone can pick the exact score and winner. In the event of multiple winners, the prize will be split evenly among all winners. Enjoy the game!
[formidable id=30]


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I was a first generation, "undeclared" college student back in the 80's, when there were few resources for someone like me. I knew I wanted to "help people," but at the time I had no idea what that meant. I had taken a psychology course in high school and liked it, but when I broached the subject with my parents, they were not supportive, questioning how I would find a job and support myself with that major. I too was at a loss, because I could not think of another major of interest. I know now that there were many other majors and careers I would have been interested in and good at had I known about them. After ten years of working in this industry advising undeclared students, I understand that. But at the time, I was in the dark about how such things worked, and to whom I should go to for advice and support. Like many first gens, I thought the degree itself was a ticket to the world of work.
My parents relented, but in one respect, they were 100% correct. Fast forward to graduation, with that psychology degree in hand, and I had no idea what to do next. This was a major that required me to figure out what I wanted to do with it.
It took me a few different tries to figure that out. I had an internship at a juvenile detention center, I interviewed for jobs with my school's career services office, and I made my parents happy by working at an administrative job for the state. Each of these experiences helped me develop more skills and taught me more about my career interests.
Eventually, my experiences led me to advising college students – specifically, freshmen who are unsure about their own majors. Each year at orientation I share these lessons that I have learned, and lessons that my former students have taught me with students and their families. Here are a few that I would like to share with you, whether you are a student yourself or an instructor trying to help your students navigate their majors and careers:
Trust your student's instincts. Tell them to pay attention to the obvious, even when it may not be so obvious to them. For example, I worked in an advising college for three years as an undergrad and loved it. It took me four more years to learn there was a master's degree and an entire profession for advisers and higher education professionals.
As long as you can pay the bills, embrace being a late bloomer! By the time I "figured it out," many of my friends who thought they knew what they wanted were already disheartened with their "chosen" fields, and ready to make a change.
Take the pressure off! Students are choosing a major, and in many cases they take more general courses than major courses. Focus instead on what they wish to do with their degrees someday, and strategically encourage them to pick up skills and experiences along the way.
Remind your students that career paths are rarely straight lines. It is only through working that we are ready to stretch in new directions, based on our work experiences.
And finally, breathe. Just breathe. As a parent of a rising college sophomore who changed his major mid-year, I understand from an interesting new view. When he said "…it's okay to change, mom?" I said "…Yes, yes of course it is. You are a typical college freshman, and this is to be expected. Follow your heart. Follow your instincts. And go with what sparks the fire and makes you want to learn more. We will figure out the rest as you go." I'm excited to see the rest unfold.


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| 7.1°C Dublin
Following its disastrous 2010 results, what future, if any, does AIB have? With the bank having now written off more than €20bn of bad loans since the middle of 2008 there is no sign of the tide of red ink ebbing any time soon.
AIB's 2010 results, which were published last week, revealed that the bank wrote off another €13bn of bad loans last year. With last month's stress tests by US financial consultancy BlackRock showing that the bank could lose up to a further €16.5bn in a worst-case scenario, bringing its total losses since mid-2008 to more than €36bn, it is now clear that AIB is a complete basket case.
When the Government published its plans for the future of the banking system at the end of last month, Finance Michael Noonan revealed that there would be two "pillar" banks, AIB and Bank of Ireland.
While the 2010 Bank of Ireland results, which were also published last week, reveal that Ireland's oldest bank has at least a fighting chance of overcoming its current difficulties, it's a very different story with AIB. Some pillar. If it were a physical structure the local authority would have slapped a demolition order on it long ago.
So what can be done with AIB? Even if, and that could turn out to be a very big "if", it does survive, the new AIB will be a far leaner more modest outfit than the swaggering institution which sought to out-Anglo Anglo in the mid-noughties.
The full impact of that disastrous policy is now being felt. Even after offloading €18.2bn of loans to Nama, AIB still has almost €30bn of "criticised" loans on its balance sheet, 30 per cent of its total loan book.
The continuing tsunami of bad news from AIB has not surprisingly spooked depositors, with another €21bn of deposits, a quarter of the total, walking out the door in 2010. AIB's loan book is also shrinking at an alarming rate. Even when loans which were transferred to Nama are excluded, its underlying loan book fell by 9 per cent from €95bn to €86bn.
With AIB having announced plans to shed 2,000 of its 12,000 remaining staff, its deposits down by quarter and its loans by almost a tenth, it now fits the description of "zombie" bank almost to perfection. Yet despite this, the Government is planning to inject a further €13bn of fresh capital into this broken bank. This will bring the taxpayer's total "investment" to over €20bn.
So what can be done to sort out the mess at AIB? Indeed, can it be sorted out at all or should it be consigned to the scrap heap of Irish banking along with Anglo and Irish Nationwide? Is the pillar strategy the best way to go or does the Government need to do a radical rethink?
At the very least the Government should be in no hurry to proceed with the shotgun marriage between AIB and the EBS building society, which announced 2010 losses of €590m on Friday.
So if AIB isn't fit for purpose what does the Government do for an alternative banking strategy? In truth, Michael Noonan has very few options, none of them very palatable. The foreign-owned banks are reducing their exposure to the troubled Irish market as quickly as they possibly can.
Last year Halifax pulled the plug on its Irish retail operation while NIB shut half of its branches. Even RBS-owned Ulster Bank, the one foreign-owned bank virtually certain to remain in Ireland, is pulling in its horns. As the recent appointment of New Zealander Jim Brown to succeed Colm McCarthy as chief executive demonstrates, RBS will in future keep Ulster Bank on a much, much tighter leash.
The disappearance of most of the foreign-owned banks will drastically reduce competition in the Irish market, which is why the Government is so keen to ensure that there will be at least two remaining Irish-owned banks.
While the Government can hardly be faulted for seeking to maximise banking competition, circumstances are conspiring against it. Put quite simply, are there enough good bits of AIB left to constitute a credible second pillar?
Last year's results don't provide much encouragement. Even when losses on loans transferred to Nama are excluded, AIB's core Republic of Ireland division lost €4.8bn last year, up by more than a third on the €3.6bn loss recorded in 2009. The main contributor to these escalating losses was a further increase in (non-Nama) Irish loan losses from €4.5bn to €5.1bn.
A quick glance at these numbers shows that, even if AIB's loan losses returned to more normal levels, the Republic of Ireland division would still struggle to achieve profitability. Even a four-fifths fall in non-Nama Irish loans losses would still leave it with losses of €700m.
While the staff cuts will go some way towards addressing the inherent unprofitability of AIB's Republic of Ireland division, there must be doubts about the viability of the entire AIB business.
This leaves the Government facing the nightmare scenario of seeing the number of banking pillars reduced to just one. This would see the rump AIB being subsumed into Bank of Ireland, whose 2010 results, which were also published last week, show that, unlike AIB, it finally seems to be getting a handle on its problems.
Sunday Indo Business


text: 764248-dda3b2-ffadc6-cdedf6-e3c5bb (800×500)… by Wolfgang Moench May 16, 2018, 10:35 pm 764248-dda3b2-ffadc6-cdedf6-e3c5bb (800×500) See more Previous article Debt Relief for Seniors Next article Our Love Will Transcend Universes – Submitted by… – Color Me Curious… Leave a Reply Cancel reply Your email address will not be published. Required fields are marked *Comment Name * Email * Website Current ye@r * Leave this field empty Notify me of follow-up comments by email. Notify me of new posts by email.


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Tanzania's parliament has approved the Media Services Bill 2016 aimed at promoting professionalism in the media industry.
Harrison Mwakyembe, the Minister for Justice and Constitution Affairs, said the new law has been enacted at a time when the media industry in the east African nation was facing a crisis of lack of professionalism.
"The media industry in Tanzania has been invaded by people who do not have the basic ethical qualifications to practise journalism," he told the House on Saturday shortly after the MPs approved the Bill in the political capital Dodoma.
The minister said countries across the world were putting in place strict regulations to ensure journalists practised within the law and violations resulted to serious penalties.
Nape Nnauye, the Minister for Information, Culture, Artists and Sports, said there were several amendments made on the final Bill, including the rights and duties of journalists, the rights of media houses or owners to appeal, representation of journalists at the accreditation board and procedures to allow the Attorney General to hear defamation cases very fast.
He mentioned other amended areas as reduction of penalties to journalists on some offences, security officials' confiscation of production equipment and printers not directly involved on offences of the newspapers.
"We have now put in place a democratic and transparent process to deal with any unfair penalties on media houses," he said.
Nnauye told parliament that any aggrieved media house can appeal to the minister of Information, Culture, Arts and Sports and where they were not satisfied with the minister's decision can go to court.
On Friday, President John Magufuli said he will assent the Bill into law as soon as it landed on his table.
Source: NAM NEWS NETWORK.


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5 top wine bars and restaurants in Åre
Åre is of course the alpine resort par excellence in Sweden but you can find things to do year-round, including eating well and drinking great wines. We have put together a list of our favourite wine lists, wine bars and wine restaurants in Åre for you. Listing over 1300 wines in total, they should keep you occupied for an after-ski or two. If you are a fan of Italian wines and Piedmont wines in particular, you've come to the right place. Rapper and wine lover Petter has put together a personal wine list of serious Piedmont wines at hotel Granen. And at Vinbaren Åre you will find a serious selection of Italian wines as well. In fact, the wine lists in Åre have a much higher percentage of Italian wines than Stockholm. Salute!
Phone: +46 647 515 60
Address: Tottvägen 127, 837 52 Åre
Italian Wine List of the Year Sweden 2019
The hotel and restaurant Granen in Åre has received weary skiers with comfortable armchairs and an open fire since 1916. The restaurant serves well made "Husmanskost" with fine local produce, and in the summer months snacks and drinks. The wine list at Granen was fine before, but with the arrival of Swedish rapper and wine lover Petter as a partner, things have escalated. On the Granen wine list you will find fine wines from France, Italy and the USA, both by the bottle and by the glass. But on Petter's wine list, you will find large amounts of unique mature vintage Piemonte wines, particularl...
Address: Stationsvägen 11, 837 52 Åre
The wine bar in Åre has become a must see for wine lovers in the mountain resort. Small dishes are served in a cosy setting and the menu changes every week with the season and produce available.
Phone: +46 647 502 40
Address: Årevägen 72B, Åre
Fjällpuben is found a few minutes walk from the square in Åre. The menu is local with influences from Jämtland and the rest of the north of Sweden. The regular wine list has wines by the bottle and by the glass from wine regions such as Bordeaux, Rioja and California. The Fjällpuben cellar list has some heavier stuff from Piedmont, Tuscany and Bordeaux.
Phone: 0647-143 00
Address: Åre Björnen, Åre
Once you've zig-zagged your way up this mountainside in Åre you will find Copperhill Mountain Lodge and will be rewarded with views of the lake and Åre mountain. Copperhill is a design hotel with a serious restaurant, serving a Nordic cuisine with local produce. The wine list is serious too, particularly during the busy winter season. Lovers of Italy, Champagne, Burgundy and Bordeaux will find good things, including with age.
Phone: +46 647 505 05
Address: Årevägen 95, 837 52 Åre
Werséns is a French and "Jämtland" brasserie at Åre square, open year-round. The menu is varied and you can also get pizza.


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Beautifully crafted, reusable bottle composed of non-leaching and non-toxic 18/8 stainless steel that keeps your drinks cold for 24 hours and hot for 12 - all while keeping giving back to those in need. S'Well is a charitable community member and proud partner of charitable organizations. As the premier fashionable and reusable water bottle, we have found that our customers love these bottles worldwide.
By using a S'Well bottle, you are reducing the number of plastic bottles in landfills & oceans, and supporting charity partners and efforts to bring clean water to the world's poorest communities.


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Thanks a lot for mentioning my blog!
I was nominated by Traci at New Adventures Ahead for the Blogger Recognition Award! This was such a surprise and made my day! It's always exciting getting nominated and recognized by other bloggers for the work you put into your blog. The blogging community is a great network of people that are always building each other up and supporting each other. Recognition awards like this are just a small example of the continuous support.
Traci's blog is a lifestyle and travel blog. She is a recent empty-nester and wants to share her new adventures into this next chapter of life. She loves traveling and helping people plan their travel. Check out her blog and send her some love while you're there!
What is the Blogger Recognition Award?
The Blogger Recognition Award is an award from bloggers to bloggers. This award lets bloggers know that their hard work, long hours, and constant evolution of their content is not going unnoticed.
Blogging Nomination Rules
|| RELATED: Sunshine Blogger Award 2018 ||
Why I Started Wandering Nobody
Honestly, it wasn't in the plans. I started an Instagram one day so I could share my travel photos in a way that wasn't annoying to all of my friends. Then the blog just kind of naturally followed. I was on summer break and needed something to fill the extra time that I had. I worked all summer on it and absolutely loved doing it. It took (still takes) a lot of trial and error to get the content focused on something that flowed naturally. Wandering Nobody focuses on Life. Travel. +Etc.
Life – This is the lifestyle part of my blog. Sometimes I'll post content about ways to make travel easier, lists regarding travel, just life updates, or things I find interesting.
Travel – Stories and content directly related to places I've been fall under this category. Part of the way I plan for a trip is reading anything and everything I can about a destination and other people's experiences. I figure there has to be someone else out there like that, so I hope it helps someone else!
+Etc. – I don't want to be limited by only travel and life. Sometimes I'll post reviews of subscriptions or products I try. Sometimes I'll just post random shit that pops into my head. This part of my blog gives me the freedom to post whatever I feel like.
Advice For New Bloggers
Let it come naturally. If it's a chore to get your content out, change up your style. Let yourself write for you first and then your readers next. Be selfish! If it's a chore for you to write, it will come through in your writing. If it's not working, try something else! You are the creator and only answer to yourself. Don't feel guilty.
Connect with other bloggers. I've mentioned this so many times, but it's true. The blogging community is the best. They support you, understand your struggles, and they will give you advice when you need it. Get on twitter, join message groups, subscribe to their blogs. But don't be a passive supporter – you need to engage, too. Share their stories, answer their questions, have a conversation. You get what you give, but the return is a group of amazing people from countless walks of life with so many stories to share.
My Nominees
Ugh – this is always the hard part. Every blogger I interact with deserves this, but I have to narrow it down to 15. My nominations (in no particular order) are coming from some new bloggers I've come across recently through Twitter. Check out their websites and head over to their social media and show some love!
|| RELATED: Sunshine Blogger Award 2018 #2 ||
Thanks again to Traci at New Adventures Ahead for the nomination. Please check out all of the blogs I nominated above – they really do deserve all the support in the world.
When you sign up, you will receive my, "Five Travel Essentials You Forget About Until It's Too Late," freebie that is exclusive to my email subscribers straight to your inbox! If that isn't enough, you will get access to exclusive updates and freebies not available on my website.
By clicking subscribe, you agree to receive promotional newsletters and freebies from Wandering Nobody. Wandering Nobody promises not to spam your email inbox and you can unsubscribe at any time.


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Once grazed by roaming bison and elk, Leif Mountain preserve is a dry gravel hill prairie that is currently grazed with cattle. Grazing allows natural grasses to flourish while stressing non-native cool grasses. Leif Mountain hosts a tremendous diversity of prairie, woodland, wetland, and grassland habitat. Nesting birds, prairie butterflies, and a wide assortment of rare and uncommon plants call Leif Mountain Preserve home. In the spring, visitors can use a bird blind to view migrating shorebirds and waterfowl including grebes, herons, harriers, eagles, and hawks.
Pope County, west central Minnesota
800 acres
One of the first wild flowers to bloom in the spring is the Pasque flower, a beautiful purple bell flower with bright yellow anthers. Visitors can also enjoy the sights of purple coneflower, ground plum, needle grass, wild onion, prairie cord grass, and prairie smoke.
Regal fritillary butterfly (species of special concern) can be found in Leif Mountain preserve. Declining species of lesser and greater scaup migrate late October prior to ice-up. In addition, visitors can enjoy the sight of local nesting sandhill cranes. As part of a grazing demonstration, 50 cow/calf pairs alternate four different pastures in the preserve to suppress non-native grasses and allow native grasses to flourish.
Why the Conservancy Selected This Site
Leif Mountain preserve is grassland that provides vital eco-services: preventing erosion, purifying water, and absorbing carbon. Grasslands are the most threatened ecosystem in the United States. The purchase of this 800-acre tract increases the size of protected land in this region to 3,000 acres. Leif Mountain and other properties in the represent one of the best opportunities in Minnesota to preserve a large prairie landscape.
What the Conservancy Has Done/Is Doing
The focus of this preserve is to restore the native prairie. The Conservancy is doing this through active grazing, prescribed burns, restoring oak savanna, monitoring and removing invasive species, and eliminating invasive woody vegetation in over 400 acres.


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Consumer confidence has taken a tumble over the past five weeks, dropping below 'neutral' for the first time since May...Read More
When Youtube emerged, Disney saw it as a 'vehicle of mass piracy'; however a decade later it's learnt to embrace...Read More
In March, retail picked-up again (+0.5% from Feb and 6.1% y.o.y ). To start the highlights… Year-on-year fashion is benefitting from...Read More
More than half of retailers in Australia and New Zealand are struggling to utilise big data trends, according to the...Read More
As businesses around the globe become increasingly reliant on technology, the risk of a cyber breach is becoming a progressively...Read More
When attempting to improve your retail strategy and boost customer loyalty, it helps to have role models in the industry...Read More
Innovation is a key retail strategy for attracting and retaining discerning consumers. In the highly competitive retail industry, creating new and...Read More
If you have been struggling to come up with an effective retail strategy to help attract new customers in your...Read More
It's a widely accepted retail trend that the longer a customer stays in your store, the more likely they are...Read More
The federal budget has been officially released by Treasurer Joe Hockey, and the news is relatively positive for retailers in Australia....Read More


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For the first exhibition held in its new space for art and architecture (Burlington Gardens), the Royal Academy is presenting the work of New York-based Japanese artist Mariko Mori. The exhibition is named 'Rebirth' as her works follows the lifecycle of a star, blending astronomy and technology in the show.
It starts with a glass monolith, Tom Na H-iu II, which changes colours as the LED lights are linked to a Japanese cosmic observatory that monitors the electronic particles of a star exploding. In White Hole, the visitor is hypnotised by a blue LED glow symbolising the rebirth of a star.
Mariko Mori's ideas are interesting but beyond visual attractiveness and some inventiveness, there isn't that much there. Nice to look at, like the artist herself who was a former model. Until February 17.


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Nestled in vibrant and exciting Midtown Toronto, the Yonge Eglinton Centre is perfectly positioned for commuters like you. Our landmark building features a sleek, modern design and is close to the 401 Highway and the Don Valley Parkway, and we're located right on Yonge Street with direct subway access. This central location is desirable for any business – you'll be surrounded by quaint, one-off retail stores, chic restaurants, and everything else Midtown has to offer. Our facility was newly constructed in March of 2011 and features state of the art infrastructure and technology.
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Coworking spaces in Toronto (Yonge Eglinton Centre), ON are a type of shared office with an open-desk setup. Individual professionals work on their own businesses from their own workspace. By renting a coworking space you'll have affordable access to a professional office that makes getting work done a breeze.
Collaboration and networking often happen organically in a coworking environment making it an attractive option for entrepreneurs.
At Intelligent Office, if you need additional business administrative and communication support services from a virtual assistant, or a space for your next meeting, those solutions are also available on-demand, when you need them.
The atmosphere is always welcoming, and in a way you'll feel like you and your business are finally coming home. That's why we say Intelligent Office's coworking spaces, and other services, are an indispensable resource for the modern business owner.


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Experience & Adventure
14 Nights
If you are keen to arrange a unique holiday for your family our Experience & Adventure itinerary is for you. Carefully designed, this itinerary covers all the things that Sri Lanka is most famous for without falling into any of the normal tourist traps. Camp under the stars, interact with remote local communities, witness age old traditions such as the pilgrimage to Adam's Peak, enjoy some thrilling adrenaline sports and spot wild animals in Wilpattu National park. With a wonderful blend of back to basics accommodation and luxurious comfort, you will come back feeling rested while the children will have had a proper adventure.
Day 1 - Arrive & Get Stuck In
Land at Colombo International Airport from where your driver will transfer you immediately to The Mud House in the remote Puttulam District of Sri Lanka. The Mud House is a eco project located on the outskirts of a typical, rural, Sri Lankan village. The majority of the people are farmers and the area is surrounded by acres of paddy fields which are irrigated by the various tanks (lakes). Most of the roads are made of earth earth and the local village of Paramakanda was only connected to mains electricity in 2012.Accommodation
Day 2 & 3: - Explore & Learn
There are endless things to do while at the Mud House and most can be reached by bicycle. Therefore start your day with a guide bike ride through village roads to the Paramakanda Temple and Tonigala Rock. For lunch enjoy a lakeside picnic and then some kayaking or swimming. Other activities include nature trails, bird watching and cookery classes with the Mud House's excellent team on hand to look after you throughout.
Day 4 & 5: - Wilpattu National Park
From the Mud House it is not far to Wilpattu National Park. Large and just as impressive as the well known Yala National Park in the south, Wilpattu's location means it benefits from smaller visitor numbers. This means you are unlikely to find yourself in a traffic jam and almost feel as though you have the park to yourself. We recommend doing a tented safari with Kulu Safaris. While a fairly expensive option the team are superb and camping under the stars is a great experience.Accommodation
Day 6: - Anuradhapura & The Sigiriya Rock Fortress
After leaving the safari park you will make your way to Jim's Farm stopping en route at Anuradhapura which was Sri Lanka's first capital and a vast monastical centre that saw the introduction of Buddhism to the country. Again this sight is less visited by tourist compared to the second capital Polonnaruwa, but it is of huge significance to the people of Sri Lanka. Therefore you are able to observe people practicing their religion in an authentic way. In the afternoon climb the Sigiriya Rock Fortress which was originally carved into the shape of a lion, before arriving at Jim's Farm.Accommodation
Day 8: - Kandy City Tour & Kituagala
Following a restful day you will have an early start from Jim's Farm and a busy day. Arrive in to Kandy just after nine o'clock to explore the Temple of the Tooth, Commonwealth Cemetery and if it is of interest the Royal Botanical Gardens. After lunch continue on to Gampola which is 45 minutes south of Kandy. You will be staying at Ellerton Bungalow, a former tea manager's estate.Accommodation
Day 9: - Tea Plantations, Kayaking & Canyoning
This morning you can explore the surrounding plantations by bicycle, go for a tour of the Orange Field Tea Factory and sample some tea. Head to Borderlands Adventure Camp for a delicious curry lunch overlooking the river. In the afternoon you can go canyoning and kayaking or head off for a jungle trek up to to a cave.
Day 10 - 14: - West Coast Watersports & The Galle Fort
End your trip with 5 nights on the beach in Bentota. Club Villa is a traditional family run villa with direct beach access. There is plenty to do in the area and the beach is safe for swimming and surfing. For the most authentic local experiences however we recommend taking the train down to the UNESCO Galle Fort, visiting the Beruwela Fish Market and enjoying a fishing catamaran tour on the Lunuganga Lake. Your driver will depart on arrival at Club Villa but return to transfer you to the airport.Accommodation


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The salary of financial advisor is dependent on a wide variety of factors like the geographical location of operation or educational qualification. The experience of a financial advisor is also supposed to be important when deciding the salary of the financial advisor.
It has been observed that the salary of financial advisor is lower in rural and sub-urban areas compared to the urban areas.
Salary of Financial Advisor in the USA
In the United States of America, increase in the salary of financial advisor is dependent on an extensive range of factors. The most common factor in deciding the salary of financial advisor is the relevant work experience of a particular financial advisor.
Factors Affecting Salary of Financial Advisors
There are certain factors that affect the salary of financial advisors in most places.
Those may be enumerated as below:
- The educational qualifications of the financial advisor
- Stature of the company the financial advisor is associated with
- The level of proficiency of the financial advisor
- The city where the financial advisor works
There are always certain places that offer higher salaries to the financial advisors when compared to others. For example, in the United States of America, the financial advisors tend to get better remunerations in the states of North and South Carolina, Georgia and New York.
It has been normally observed that the financial advisors receive higher salaries in the comparatively urban places like the cities, towns or metros. The main reason behind that is the fact that in these areas the demand for the financial advisors is higher as the people earn more and invest more.
Quite often, a financial advisor who is equipped with a high-end degree like a Master of Business Administration is supposed to be more appealing to those who employ financial advisors compared to an individual who has a relatively ordinary Bachelor's degree.
Last Updated on : 1st August 2013


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April 3, 2020 - Latest: What has happened to markets this year? by Darius McDermott
28th August 2011
However in the UK economists are urging the head of the Bank of England to consider further economic stimulus.
The Observer reports that economists will be watching a crucial survey of purchasing managers in the manufacturing sector this week for clues as to whether the recovery has stalled.
The Observer also reports that business groups are urging the chancellor to introduce new pro-growth measures in his autumn statement.
Andrew Cave of the Federation of Small Businesses is quoted as calling for targeted cuts in VAT to help key sectors – construction and tourism for example – to create more jobs.
Analysts at JP Morgan are forecasting a second round of QE in the UK next spring.
The Bank began the first round of the programme – which eventually totalled £200bn – in spring 2009.
The Financial Times(paywall) also reported how the US Federal Reserve has not ruled out doing more to support the stalling US economy, saying that the central bank "is prepared to employ its tools as appropriate to promote a stronger recovery" and will extend its September monetary policy meeting "to allow a fuller discussion".
Bernanke speech: What is the remedy for America's problems?
Mindful Money's economist blogger Shaun Richards gives his take on Bernanke's decision.
Sign up for our free email newsletter here, for your chance to win an iPad 2.


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Sound Opinions
Chess Records & Damon Albarn & Kelis Reviews
Jim and Greg explore the history and influence of Chess Records. During its 25 year run, the Chicago label put out music by Bo Diddley, Chuck Berry and Muddy Waters—forever changing the sound of rock and roll. Later, they review new albums from Damon Albarn and Kelis.


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Charlie Brewster has a new neighbor who's a real pain in the neck, a girlfriend who's "just not ready to go the next level", and a best friend who's an annoying ass. Two of these things are normal teenage problems. The third is an ancient horror that has moved into the house next door. Such is the plot of Fright Night. At least once in our lives we have had a neighbor who's just off. Either a royal bastard or just weird. Growing up in the suburbs instills in the mind a kind of paranoia that festers well into adulthood. All the houses look the same. The streets twist and turn back on each other in a crazed dance with no end. Routine is the order of the day. Banality replaces diversity. Hell is a calm and ordered place. A dream of conformity and inconstant. Where better for a vampire to live? Everyone keeps to their own counsel. No one will bother you. You can come and go at odd hours and people will just assume you work late hours. Nothing unusual about that is there?
Then the nosy brat next door starts playing "peeping tom" and catches you…feeding. This one got to me on a gut level. Actions have consequences. Charlie Brewster tries to draw attention to his neighbor's dark deeds and manages to pull down a world of shit instead. When the vampire, Jerry, pays our hero a visit in the middle of the night and shows just a small bit of what he's capable of I would have apologized and developed instant amnesia. My knowledge of the occult was still growing at the time this came out. My sense of wonder, however, was in full swing. The idea, even in the slightest notion, of my neighbor being a supernatural creature caused many a sleepless night. Plus in many ways, this movie goes in the category called "Geek Training 101." Menaced by a vampire? Well, contact a Vampire Hunter. (Terminex will tell you to go do bad things to yourself.) It's logical, right? So, Charlie enlists Peter Vincent, former actor turned horror movie host for a Creature feature type show. Because, yeah. In Charlie's defense, he's seen Mr. Vincent in action multiple times and the guy really seems to know his stuff about the undead.
Needless to say, things go sideways. Geek Rule: don't start nothing, won't be nothing. The man said back off. You back off. Now your bestie gets turned, your girl gets snatched, and you're a one armed man with no paddle going up a river of pain. Luckily, our heroes rise to the challenge and evil is vanquished. Happy ending all around, complete with a surprise twist. (The sequel is a total piece of crap which basically retells most of the plot elements from the first movie and a few "WTF" moments thrown in for no damn good reason.) All in all, I really liked this movie.
Fright Night is one of my go to rainy Sunday movies. I know the journey. I know the twists and turns but I always find myself riding along. It's an old friend who's company I enjoy keeping. It's also one of those quotable movies you will occasionally hear people draw from at cons. These things stay in our heads. They become a part of us. We, in turn, make them a part of our culture. These are our modern myths. Vampires, especially, continue to draw attention. The idea of eternal life but having to feed off your fellow man is a concept which goes back centuries. The apex predator walking among us. Removed and yet still very very close. Beautiful and ugly in equal measure. Burdened with a hunger that can never be sated. In many ways the vampire has represented passion, desire, greed, completion, damnation, the line between man and beast, and even paradox.
What makes horror work? Well, horror is at its best when ordinary people are faced with extraordinary circumstances beyond their ability to control. In this case, my neighbor is a blood drinking creature of legend. He looks normal. Acts normal. Is charming and quite amiable. I come off looking like the crazy one. What attracts me to this movie is how human the reactions are. One of my favorite scenes is after Peter Vincent indulges Charlie by visiting the neighbor and applying "tests" to see if Jerry is a real vampire. He fails, of course, and then notices as they are leaving that their target doesn't cast a reflection in the silver mirror of his refrigerated case. A wonderful "Oh shit!" moment. Then we find Mr. Vincent locked in his apartment surrounded by crucifixes as the reality sets in. He's a believer. Everything you've ever known is false. Evil is real. Ironic that "Evil Ed" is the nickname of Charlie's best friend who is sent after Peter Vincent. Ed's encounter with the vampire still gets to me. He's given the choice between being food or crossing over. Chilling. It makes me wonder if I would have done the same? I have my own inner demons so the never-ending hunger wouldn't be that much of a stretch. Living as the foot soldier and toadie for a prissy uptight douche for all time? Fuck no. Then you're stuck as you were when you crossed over. I'm almost three hundred pounds and have piss poor eyesight. Oh daddy, make me yours!
I'd rather play at being a vampire than actually becoming one. Charlie overcomes the vampire because he rises above his failings and finds a courage he didn't know he had. I've had decades to get over my own bullshit. I'm not going to rabbit hole and start rambling about my personal life. I staked that monster a while back. Admittedly, when i met the woman of my dreams, she wasn't a contrived collection of cliches strewn together to drive a thin as a cracker plot. I'm sorry to say, but Fright Night 2 just sucked so bad! I can't stop thinking about how awful it was! Snooches!


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A poet in South India by name Poyyamozhi Pulavar or Siva Kavi had intense devotion for Lord Siva, and refused to sing the glory of Lord Shanmukha, stating he would sing on cock (Siva), not on chicken (Murugan). 'சேவலை பாடும் வாயால் கோழிக்குஞ்சை நான் பாடுவேனோ '
The Lord wanted to protect him and so took the form of a hunter and chased the poet. When the latter pleaded for relief, the hunter asked him to sing on him. The poet asked for his name. The hunter said it was 'egg' (muttai).


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Due to the COVID-19 pandemic, many events can be canceled or rescheduled, tourists may not be allowed to visit many places.
How to move around the territory of Venice? Venice is the largest pedestrian area in the world! Cars and buses have to stop in the western part of Venice, on the Tronchetto island or on the "Piazzale Roma" square (near the train station). It is said that the locals are moved through the historic center of Venice usually on foot. This is the best way to get around the city of Venice for tourists too. But quite often there is a need to use public transport to move around Venice.
The main form of public transport in Venice is a water buses (vaporetti) and water taxis. To organize the operation of public transport is involved company ACTV (Azienda del Consorzio Trasporti Veneziano). Tickets for the water buses can be purchased at the Hellovenezia office, ticket machines in many places in the city. The cost of a one way ticket is 7 euros (2013). Tickets must be activated before boarding. The ticket is valid for 60 minutes, while traveling in the same direction (except routes number 16, 19, 21, "Casinò" and "Vaporetto dell'Arte", and the "Alilaguna" water buses). Tickets can also be bought before boarding from the company staff on the quay ("marinaio").
To move around Venice by public transport may be conveniently purchase "Travel Card", which can have a different duration, from 12 hours to 7 days.
"Alilaguna" water buses connect the "Marco Polo" airport and the historic center of Venice, the cruise terminal, Lido and Murano islands.
When you move around the city on foot you will find signs that tell you the direction of motion. For example: "Ferrovia" - the railway station, "Piazzale Roma" - square, bus station, "Rialto" - Rialto Bridge, "San Marco" - Piazza San Marco and the other pointers.
"Piazzale Roma" square. Station of long-distance buses is located on the "Piazzale Roma" square. You can get from here by bus to the "Marco Polo" and "Treviso" airports. Square is located at a distance approximately 300 meters from the railway station of Venice (across the "Bridge of the Constitution"). There are water buses stops (vaporetti) nearby. The center of Venice can be reached by water bus or on foot.
ATVO bus tickets can be bought at the ATVO ticket office on the "Piazzale Roma" square, next to the police station (Caranibieri), at ticket machines near the ticket offices, in the "Botazzo Tobaconist" shop on the "Piazzale Roma" square and in other places.
If you come to Venice by car, you have to park your car in the parking area at the "Piazzale Roma" or on the Tronchetto island. The alternative is to park your car on the mainland in Mestre and get to the historic center by bus or by water bus. Parking in Mestre is much cheaper.
Venice has railroad connections with major cities of Italy and Western Europe. Venice can be reached by train from Rome in 3.5 hours (intermediate station is Florence), from Milan in 2.5 hours. Travel by rail to the city of Treviso (Treviso) from Venice takes about 35 minutes.
Santa Lucia railway station (Venezia Santa Lucia railway station) is located in the western part of Venice. The distance from the station to Piazza San Marco (historic center) is approximately 2.2 kilometers (for a walking route). There are water buses stops near the station. Boats can quickly deliver tourists to the city center. By train Venice can be reached from Munich, Paris, Vienna, Rome, Milan and other cities. Railway trains and cars drive to Venice along the "Ponte della Libertà" bridge.
Look attractions, museums, hotels and interesting places location on the Venice map.
Marco Polo International Airport. Venice Marco Polo Airport is situated at a distance of about 8 kilometers north of the center of Venice, near Mestre (continental part of Venice). In 2012, the airport served over 8 million passengers. From the airport Venice can be reached by bus (the bus station is located on the square "Piazzale Roma"), water bus and water taxi.
To go to the pier of water buses, exit the terminal building and turn left. Water buses Alilaguna have three routes to different parts of Venice (ticket cost 15 euros, 2013).
ATVO bus tickets can be bought at ticket machines the baggage claim area, at the ticket office ATVO in the arrivals area of the airport, ticket vending machines in the area of bus departures.
Treviso Airport. Treviso - Sant Angelo Airport is situated at a distance of about 20 kilometers from Venice, near the town of Treviso. The airport serves aircraft cost airlines, traveling from Berlin, London, Paris and other European airports. The airport can be reached by rail from the Santa Lucia train station and by bus from Piazzale Roma. Bus "Barzi Bus Service" company run from "Treviso-Sant'Angelo" airport to Venice "Tronchetto" island (near the train station). Tickets can be bought at the airport at the "Province of Treviso" counter, as well as from bus the driver outside airport. The cost of a one way ticket is € 7 (2013).
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Guides: Paris, Rome, Barcelona, Helsinki, St. Petersburg and other top destinations.
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On the basis of focused interviews with managers of foreign parent banks and their affiliates in Central Europe and the Baltic States, the development of small-business lending by foreign banks is analysed. Our approach allows us to complement the standard empirical literature, which has difficulty in analysing qualitative issues such as the role of changing lending technologies. It is found that the acquisition of local banks by foreign banks has not led to a persistent bias in these banks' credit supply towards large multinational corporations. Instead, increased competition and the improvement of subsidiaries' lending technologies have led foreign banks to gradually expand into the SME and retail markets. Keywords: foreign banks, transition economies, small-business lending JEL classification: F23, F36, G21
nr 050 - Does Foreign Bank Entry Reduce Small Firms´ Access to Credit? Evidence from European Transition Economies
- DNB Working Papers
Publicatiedatum 15 augustus 2005


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Alluring aromas of wild strawberry, cherry and toffee notes. Bright crimson in colour, the palate offers gentle, lingering flavours of cherry and plum with fine tannins and subtle spice on the finish. Ah the romance of Pinot, just surrender and enjoy.
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Are you ready for a Win-Tree Wonderland? A new tradition is set to begin in the Midcoast for families around the holidays to raise funds for three local organizations in the Bath-Brunswick region. The Midcoast Tree Festival is scheduled for November 22—24 and November 29—December 1, and will benefit All Saints Parish (St. John's School), Spectrum Generations' Meals on Wheels, and the SMMC.
The event will be held at the newly opened St. John's Community Center located at 43 Pleasant Street in Brunswick. The event will begin with a ribbon-cutting on Friday, November 22, at 4:00 p.m. and special opening night hours of 4:00 p.m. to 8:00 p.m.
Event Dates: November 23, 24 and 29, 30 from 10:00 a.m. - 6:00 p.m. and December 1 from 10:00 a.m. - 2:00 p.m.
All trees and gifts must be picked up either Sunday Dec. 1 before 7 p.m. or by 6 p.m. on Monday Dec. 2. The Midcoast Tree Festival is a weekend event and will not be open Monday, November 25 through Thanksgiving Thursday, November 28.
Admission is $2 for adults and no charge for children 12 and younger. In addition to the holiday display, the family-friendly event will feature daily live entertainment, a children's activity area, 50/50 raffles, Santa and Mrs. Claus on specific days, and a café. The trees, including all decorations and gifts, will be raffled off at the end of the event. Raffle tickets cost 50¢ each and you do not need to be present to win.
Additional information can be found online here!
Tree and Wreath Registration Now Open!
Registration is open for businesses and organizations who want spots at this event.
To register for a tree space click on Register to Be a Tree Benefactor
To register for a wreath space (non-profits only) click on Register to Be a Wreath Benefactor
We Need Volunteers!
It is going to take many volunteers over the two weekends to host this spectacular event!
If you are interested in volunteering, click here to sign up!


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Vinyl Flooring in Cambridge – A&S Contract Flooring
If you're looking for Vinyl Flooring in Cambridge, then look no further! Here at A&S Flooring, we offer a variety of flooring solutions for commercial and domestic use. One of our most popular ranges is vinyl flooring, which boasts many attractive features – from both an aesthetic and practical standpoint. And we have been fitting out vinyl floors for a wide range of industries for many years, with an exceptional customer satisfaction rate.
Vinyl refers to an array of synthetic materials that contain differing levels of polyvinyl chloride, or PVC. Multiple factors affect the quality of vinyl, including its composition, fundamental materials, and the level of wear protection on the surface.
Vinyl floor tiles can be broken down into layers, including a backing layer that is usually padded, followed by a print layer, then one or two clear wear layers to protect the printed surface from damage. Any design can be printed on vinyl, which makes this type of flooring extremely popular. It is also water resistant, durable, and very affordable.
When should you use vinyl?
Vinyl flooring is suitable for most commercial areas, as it is hard-wearing, as well as easy to clean and maintain. Plus, it is available in a wide range of colours and textures. This makes it possible to create any environment desired, from a professional office setting to a more colourful retail atmosphere.
Heavy duty vinyl floors offer a high degree of slip resistance, which is essential for a ensuring a safe working or public environment. Commercial vinyl is designed to be thick, tough and cushioned, making it perfect for controlling noise levels.
These days, commercial vinyl flooring comes in different grades and finishes to suit all kinds of requirements. Generally, the higher the price, the better the quality. High grade vinyls have thick wear layers of 30 millimetres, while some lower grade variants have thinner protective layers. If you need help choosing the right type of vinyl flooring in Cambridge, just contact one of our helpful team members.
Why choose A&S for your Vinyl Solution?
At A&S Flooring, we choose only the highest quality vinyl flooring from a huge range of reputable brands, including Karndean, Polyflor, Forbo and Altro.
We always aim to deliver fantastic customer service and have a 99% customer satisfaction rating to prove it. Our after-sales service is top-notch – clients can reach us any time with our weekend and out-of-hours service.
For more details on Vinyl Flooring in Cambridge, call us on 01223 291 109 or contact us.
Why choose us
- Credibility
- Professionalism
- Price
- Trust
- Speed Efficiency
- After Service Guarantee
- 99% Customer Satisfaction
- 500+ Satisfied Customers
- Local Based
What Our Clients Have To Say
A-S Flooring has been supplying flooring services to COEL for over 15 years. We use their services on a regular basis as part of our office fit-out projects and are always impressed with their professionalism and attention to detail. They are extremely knowledgeable in all things flooring related and always deliver what they promise – regardless of the size of project. I would not hesitate in recommending their services.
Past clients
Over the years, we have had the pleasure of working with some amazing brands. Check out some of our favourites
Flooring Services - Commercial & Domestic
A&S Flooring delivers a wide range Commercial & Domestic flooring services at competitive prices.
Covering the whole of Cambridgeshire
Providing both commercial and domestic flooring solutions across the Cambridgeshire area


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So, how likely is a person to make business with you based on your online reviews? The answer to that question is… VERY likely! According to a survey made by Search Engine Land, approximately 72% of consumers surveyed said that they trust online reviews as much as personal recommendations, while 52% said that positive online […]Read More
I'm sure by this point you already know that owning a positive online reputation for your business is key. No matter what your business is, managing to have a good online reputation can highly impact your business. It might seem hard to think that you need to be aware of all your social media websites […]Read More
You have been putting a lot of hard work into your business just so your customers are satisfied and have no reason to complain. This hard must pay off somehow, so you ask your customers to leave reviews about their experience with you on your website. Surely, most of them will leave you feedback. So […]Read More
Wouldn't it be a dream to only have positive online reviews throughout your websites? That is for sure every business owner's dream. Customer reviews are becoming more important every day in terms of selecting a business online. This happens because customers are always in search of the best service experience. In fact, according to the […]Read More
As you may already know customer reviews are essential for the success or failure of your business. It has been mentioned before; customer reviews are great influencers when a customer is deciding to purchase that product or service. Therefore, you want to have reviews on your website, and preferably positive reviews. Asking your customers to […]Read More
Customer satisfaction should be our number one priority. A potential happy customer can become a potential positive online review. What business owner doesn't like to receive positive reviews? The more positive reviews you obtain, the more likely will your business succeed. Online reviews have become one of the most important sources of information for customers […]Read More
When starting a success business in any industry, one needs to have solid understanding of empathy. You're goal as a business owner is to satisfy every customer, but let's face it, not every customer can be satisfied. As a business owner, you're not only at the mercy of your customers, but also the World Wide […]Read More
An unhappy customer should never be your company's end goal; hopefully it's no company's goal. Unfortunately, an unhappy customer will always exist no matter how hard you try to satisfy them. When the customer is unhappy, he or she he might want to let others know about the experience they had doing business with you. […]Read More
Customer feedback is becoming crucial to the success of a business. That is why businesses are finding new ways every day to satisfy their customers. A happy customer means positive feedback towards your business. Whether you like it or not, customers are publishing their feedback anywhere it is available for them to do so. Many […]Read More
Although some articles suggest customers will either make or break your business with online reviews, it's ultimately up to the business to be online intelligent. Make it a priority when starting any business to incorporate reviewing your online presence and how others in your local industry are rating. If your local business is on the […]Read More
Customer Service and Online Reviews is the New Local Marketing.
Deliver more value to your customers with our affordable online review marketing software.


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Kid Review: Benny's Seafood Restaurant
July 22nd, 2010 | by Anna Tuttle | Published in Reviews By Kids
Don't be confused. Benny's Seafood sells not only seafood, but also many home-made Puerto-Rican dishes, such as their famous Mofongo. When we went there, we ordered an assortment platter and Mofongo. We actually got the Mofongo with chicken, and the chicken was absolutely mouth-watering. But the Mofongo was a different matter– I dodn't like it… I LOVED IT!!!! It came with a home-made broth, and it was like nothing I ever tasted before! My father also ordered some conch, which he informed me was delicious.
When you go to Benny's make sure to order one of the desserts. They are awesome!
Address: 2500 S.W. 107 Ave. #1
Miami, Florida 33165
Tel: (305) 227-1232
E-mail Address: email@example.com
Website: www.bennyseafood.com


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Winners have been chosen! View the gallery of submissions here
Thank you to everyone who participated!
Point Ruston Ice Skating Rink Coming Soon!
End of Summer Photo Contest:
It's officially fall and the cold weather is creeping in!
We will be closing the Fountain at the Grand Plaza October 30th
We are also happy to announce the official kickoff of the first annual Frozen Fountain Ice Skating Rink at Point Ruston opening November 10th. More info on the ice skating rink coming soon!
End of Summer Photo Contest:
Re-live the heat of the summer by sending us your favorite photo from the fountain at the Grand Plaza this past year and you could win an evening at Point Ruston! Enjoy a drink, appetizer, dinner, entertainment & desert on us at 4 of our different Point Ruston favorite places!
Contest will run from Tuesday October 17th at 8:00 am – Tuesday October, 24th at 8:00 pm.
Submissions after the deadline will unfortunately not count towards the Gift Card Prize Pack
Pictures must be taken at Point Ruston's Fountain Plaza during 2017
It can be a photo of anything as long as it's taken on Point Ruston Grand Plaza: your lively kids, the sweetest treat, your best friend – human or otherwise and our favorite: the lovely view of the Point Ruston waterfront.
How to Enter:
Please send us one (1) photo per email address to firstname.lastname@example.com
Only entries submitted through this email with be entered to win.
One entry per person (email address).
Please do not send us the photo through the comments or facebook – it's very hard to keep track of them that way!
Winner will be chosen Wednesday October, 25th 2017
The winning photograph will be posted to Facebook and our Blog!


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Our everyday prices reflect a 3% cash savings, which is NOT available on credit or debit card orders and will be applied to order at checkout.
The Sightmark 3x Tactical Magnifier Pro, offers versatility by increasing the magnification of accompanying sights for greater range and improved target acquisition. In one swift motion, the new flip mount design makes it fast and easy for shooters to increase their magnification for accompanying sights creating a greater engagement range in any situation. The durable magnifier has been redesigned to provide increased eye relief, making it safe and comfortable to use for higher caliber weapons. The new Sightmark 3x Tactical Magnifier Pro has been improved with a rubber armor housing for increased durability, providing 3.5 inches of eye relief for refined shooting comfort. Shooters are aided with improved target recognition with the new 3x magnifier that also features external windage and elevation adjustments for reticle alignment. This Sightmark 3x Tactical Magnifier Pro is also EOTech@ and Aimpoint@ compatible.