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A new college in Edmonton, Canada is looking to build its business engagement regionally, nationally and internationally through workforce development and skills training, knowledge exchange and transfer, research, innovation and development. The Business Development Manager will work across all areas within the College and lead our developments in third stream income generation through academic enterprise, research and knowledge exchange with Canada and particularly in Anglophone-West Africa Markets comprising of (Ghana, Nigeria, Liberia, Gambia & Sierra Leone).
Working with academic and technical staff, in collaboration with College business partners and other professional service staff, the College Business Development Manager will be critical to the achievement of the College's business plan.
The College Business Development Manager will be responsible for identifying, developing and implementing new business opportunities across the College. Such opportunities may include, but not limited to, educational programmes for workforce development in sectors relevant to the College; tendering for commissioned research, interventions and/or evaluations; knowledge transfer and exchange partnerships; commissioned research projects; commercialisation of resources, equipment and/or knowledge capital. This is the time for the College to diversify its activity and capitalise on its expertise and innovation.
The Business Development Manager will be joining a new organization with highly motivated, focused and passionate team and will be central to the College achieving its key objectives.
Canada, Nigeria & Ghana.
Working in partnership with the Deputy Registrar & Vice President, Business Development and with the relevant Faculties and Support Department(s) to identify training and development opportunities, build markets in Canada and Anglophone-West Africa (particularly Nigeria, Ghana) drive new income generation through direct client liaison activities, market intelligence, product and/or service design and development, creation and submission of tenders and bids for work.
Manage the complete client sales cycle, able to lead when necessary in terms of presentations to clients and internal groups, pulling together bid teams, developing a deep understanding of client needs through a consultative approach and designing credible solutions which meet clients' needs, working with academic colleagues and external partners.
- Identify and establish potential partnerships in Anglophone-West Africa (Ghana, Nigeria, Liberia, Gambia & Sierra Leone) markets.
- Identify opportunities to exploit the College's academic endeavours to create new income streams.
- Actively engage with academics and technicians from across the College to fully understand the capabilities and knowledge capital.
- Engage externally with relevant sectors, industries and businesses in West Africa and Canada with a view to exploit the capabilities of the College.
- Generate new income streams through commercialisation of knowledge capital, facilities and/or research and development projects.
- Influence others and secure buy-in and commitment from staff across the College to deliver on projects and opportunities with external businesses and companies.
- Support academic staff to build their confidence and skills in business engagement as well as their awareness and understanding of key industrial strategies that affect the City, County and region.
- Brief the College management team on key priorities in international, national and regional strategies and advise on how the College should position itself for the future.
- Write business plans including financial budget delivery plans allied to third stream income generation.
- Update the College Leadership Team regularly on secured business and achievements of milestones and deliverables, developments in progress and opportunities being scoped through the College's internal quarterly business reviews as well as periodically through College Management Board with members of the University's Executive, College Business Partners and the Vice Chancellors office.
- Engage with business development managers, or equivalents, in other Colleges and work collegiately to assure the college achieves its targets and realises identified opportunities.
- Engage with the College's Industrial Gateway Team to assure the College is informed of developments centrally.
- Represent the College externally at key events within the region, nationally and international.
- Undertake relevant CPD to assure continual effectiveness and currency in business development within the Higher Education sector in a way that directly benefits the College.
- Undertake research and market analysis, including client profiling, sourcing trend setters and high growth potential business opportunities and contacts.
- Prepare and present fully costed commercial proposals to clients, negotiating contracts to ensure each one generates the required financial return.
- Monitor and record activity on accounts to help close negotiations and meet targets
- A Bachelor's degree or higher in a field relevant to the College Experience.
- Experience in developing and delivering business plans including financial planning and reporting.
- Experience in identifying market opportunities and undertaking market insight evaluations to assure the feasibility and viability of identified opportunities.
- Experience of developing "new" business opportunities through enterprise, commercial and/or knowledge exchanges.
- Experience in building sustainable relationships with external groups, clients and companies and the ability to up-sell opportunities.
- Experience of start-up companies, spin outs and/or joint ventures.
- In-depth understanding of the West African (Especially Ghanaian and Nigerian) higher education sector and the need for Universities/Colleges to diversify their activity and income streams.
- Writing contracts, heads of terms and/or memorandum of understanding.
- Very good understanding of international student admission process
- Good understanding of Canadian Admission and Immigration system and process
- In-depth knowledge and familiarity of the West African Schooling Systems, laws and Governing policies.
- Strong communication skills in all formats.
- The ability to develop sustainable networks and productive relationships with external clients that result in new business for the College.
- The ability to influence and deliver through others.
- Knowledge of business development, tendering and identification of funding opportunities that aligns to the activity of the College.
- Ability to be self-motivated as well as work as part of a team.
- Able to work to deadlines.
- Ability to identify opportunities for the College through understanding external business needs and the requirements of sectors relevant to the College.
- Experience in project management, financial planning and reporting, and evaluation of cost-benefits and returns on investment.
- Ability to travel frequently within Canada and particularly West Africa which may involve evening and/or weekends.
- Travel Time: Estimated 40%
APPLY To apply, send a cover letter and your resume to us at firstname.lastname@example.com


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When you leave the hospital you will be given specific wound-care instructions and discharge instructions for activity level, medication, and any further restrictions necessary. Your healthcare provider will let you know of any symptoms that require immediate medical attention.
Most people require a few months of physical therapy to work on knee motion, strength and walking. Therefore, if needed, supervised exercises will continue for 4-6 weeks. This may require attending intensive physical therapy sessions at a rehabilitation hospital or you may be able to arrange for a therapist to visit your home.
After this time period, your doctor and therapist will evaluate your progress and determine whether you need continued physical therapy, or if you can continue these exercises on your own to maintain overall conditioning.

subset: commoncrawl


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Woman rescued after her car flips over at junction in Diss
PUBLISHED: 15:32 27 December 2016 | UPDATED: 16:50 27 December 2016
Stuart Anderson
A woman had to be rescued from her car after it flipped over onto its roof on a street in Diss.
The single vehicle accident happened this afternoon at the roundabout at the junction of Denmark Street and Park Road.
Constable Godbold said the woman had been driving west down Denmark Street, intending to turn right into Stanley Road, when the red Ford Ka clipped a curb and flipped over.
A crew from Diss fire station rescued the woman from the car and she was then taken to hospital by ambulance.
PC Gobold said he believed her injuries were not serious.
He said: "It's not looking to be life-threatening injuries at this stage."
Firefighters are now recovering the car from the road and police are directing traffic around the intersection.
If you value what this story gives you, please consider supporting the Diss Mercury. Click the link in the orange box above for details.


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David has significant experience managing the complexities of IT and telecommunication outsourcing agreements; business process outsourcing arrangements, with an emphasis on HR and F&A outsourcing; distribution relationships; licensing arrangements; and joint ventures, strategic alliances, and teaming relationships.
Although David's primary emphasis is on working with technology businesses, a wide range of clients look to him for guidance. He has handled billions of dollars of outsourcing and other arrangements for former and current leading providers such as EDS, Perot Systems, CGI Group, Hewitt, Unisys, HCL among others. He represents large multinational retailers, manufacturers, airlines, and other service companies in their contractual relationships with technology services providers. David similarly advised a Big Four accounting firm in the structuring of a global delivery model for a new outsourcing services offering.


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Welcome to Chateau LeMoyne - French Quarter, A Holiday Inn Hotel Event Calendar - A Louisiana Hotel
Sort By
23 April 2019
Come out and enjoy some great food, drinks, and music in Paradigm Gardens' oasis in Central City! Restaurants Patois, Carrollton Market, and Avo will be serving up tastes ...Read More
Venue - Zeitgeist Theatre
Business Relationships - One Table at a Time Speed Networking works a lot like 'Speed Dating' without the 'Dating'. A structured opportunity to meet accomplished ...Read More
Venue - Cafe Negril
Comedy Beast Free Show @ Howlin Wolf ...Read More
Venue - Howlin Wolf


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The Cannondale Cujo 24 bike has wide tires creating amazing grip and a comfortable ride for your young rider. Designed to make trail riding fun and easy, it has 2.6 wide tires, grip shifters, and mechanical disc brakes. This bike is an excellent companion for all of the scenic riding that Utah has to offer.
Please note color and componentry on all rental bikes may vary. However, componentry will be comparable to the manufacturer's stock build.
Rental Requirements – 48 Hour Cancellation Policy
All cancellations need to be in writing and emailed more than 48 hours in advance of the day of rental. Bikes can be picked up as soon as the shop opens and must be dropped off before the close of business on your final day for rental. Late returns will incur additional charges.
While one rider can reserve multiple bikes, all riders of the rental bikes need to be present upon pick up of the bikes. Every rider is required to read and sign a waiver and sign off on safety instruction and orientation on the use of the equipment. A valid ID and credit card must be present at the time of pick up of the equipment. A photocopy of both will be made for a deposit on the equipment for cases such as theft, damage to the equipment, etc.
Contender Rental Bike #PC13
If a bike rack for your vehicle is needed, we have hitch racks available for rent. They fit a 2 inch receiver and carry two bikes. Rentals rates are $50 per day with a weekly rental available for $150. Please call the Park City store for more information or to reserve a rack.


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The iPad Air Rotates Full Circle Inside the SSTANDPA5-B From Macally
Macally continues their parade of iPad Air accessories with the SSTANDPA5-B – a feature-rich folio tablet case. The new folio is crafted from a combination of premium microfiber cover and a hardshell back offering superior impact protection. There's a sound reflector to enhance the sounds coming out of the device. The cover comes with embedded magnets, which activate the auto sleep/wake functionality.
The integrated stand feature delivers multiple viewing angles
The best feature of the case is the 360 degree design with easy switching between orientations
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When real estate agents host an open house, the ultimate goal is to sell the home. The real estate agent who is hosting the open house has already spent time and money and anyone who walks through the door needs to understand, the agent will be asking you questions.
If you are looking for decorating ideas or you are already under a Buyer's Brokerage Agreement, let the hosting agent know. We have Rules, Regulations and a code of Ethics, whereof, we are not allowed to interfere with another REALTORS® Clients. If you are interested in the property and would like more information on the home, call your current agent - DO NOT tell the listing agent or the real estate agent is hosting the open house. Read More . . .


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In the last few years, the number of people using Whatsapp has risen dramatically, with many of us now preferring it to conventional texting. Noticing its rapid growth, Facebook even bought the messaging app for $19 billion in 2014, showing just how popular it has become. When you consider the pros of using Whatsapp (namely the ability to text for free using just an internet signal/WiFi connection), it isn't difficult to see why so many of us use it.
However, it isn't all good news. Along with rapid growth, unfortunately, comes the risk of spam. Spam is rife on Whatsapp, with many users reporting receiving strange messages from unknown numbers. These messages are often identified as trying to sell a product, promote a competition, or encourage the recipient to visit a website. One recent scam even directed readers to a fake website offering discount vouchers for big name brands, asking them to give over personal information such as their email address.
If you're one of the 1 billion people using Whatsapp, follow these tips for protecting yourself against spam.
1. Block any spam messages instantly
Fortunately, Whatsapp are pretty on the ball. When you receive a message from a mobile number not saved to your contact list, they'll let you know via a banner at the top of the screen. You can then choose to add that number, or to report it as spam. Reporting it as spam will make sure they can't contact you again, and is a good first step to take if you've already received unwanted messages.
2. Protect your number
It is of course better to prevent spam before it can become a problem, which is why keeping your phone number as private as possible is a wise move to make. Don't give your number out to people or websites that you don't trust or recognise, and make sure that it isn't linked to your social media profiles. Unless you have high privacy settings internet hackers can find this information easily, and can use it to contact you without your permission.
3. Don't become the scammer
This may sound slightly silly, but it's a lot more common than you would think. Many messages include fake "urgent" information, and ask the recipient to pass the message along to their contact list. For instance, a common technique is to claim that Whatsapp will soon start charging, and to ask the reader to let their friends know. This is an easy way for internet hackers to spread their message to a large group of people. If in doubt, simply give the information a quick internet search to check its validity.
Whether it's unwanted Whatsapp messages, emails or pop-ups, we understand just how frustrating spam mail can be. We're specialists in providing anti-spam solutions, and are experts in figuring out the best option for you. If you're ready to invest in a professional spam filter, contact us at Mailcleaner today.


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Clinch (working title) | Short-film | 2020
Role: Writer & Director
About: Clinch is a short drama that follows a woman who takes up fighting to overcome a dark event but in the process, she realizes it's herself she has to beat.
Starring: Amélie Onzon
Producer: Kristine Trofimova and Cíntia Taylor
DoP: Dennis Lubbers
Currently in post-production.
Read here an article about the film published in the prestigious Dutch film publication De Filmkrant (in Dutch)
Photos by Cíntia Taylor and Kristine Trofimova


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In a speech marking Heroes Day — celebrating victory over the old white regime — Mugabe gives a stern warning to white farmers that his government will stick to its policy of removing them from their land. Nearly 3,000 farmers have been told to leave their properties, although only 500 have left so far. Those who remain could be fined and jailed for up to two years for ignoring the eviction order. Mugabe says the August deadline will allow new owners of the land enough time to prepare and plant for the new crop season in October.
We set ourselves an August deadline for the redistribution of land and that deadline stands. All genuine and well-meaning white farmers who wish to pursue a farming career as loyal citizens of this country have land to do so, no farmer need go without land.
He also rejects allegations that international food aid has been diverted away from opposition supporters to his own followers.
We shall feed all. Even the stooges and puppets will have enough. No Zimbabwean should die of hunger.


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Fateme Ahmadi, a writer/director from Barnet, has been spotlighted in a list of 25 innovative filmmakers and craftspeople by Film London.
The inaugural list of Lodestars was recently announced during a celebratory event at h Club London, marking a brand new showcase for London-based talent.
With lodestars known for their inspiration and guidance, the list celebrates directors, writers, producers, cast members, heads of department and behind the scenes talent who shine with outstanding creativity or craftsmanship.
Selected from over 700 people who have worked with Film London over the past three years, Lodestars reflects the breadth of talent across London's screen industries celebrating a variety of successes, from international festival circuits and award wins to community and environmental impact and gallery residencies.
Fateme Ahmadi is a writer/director based between London and Tehran. She is an alumna of Berlinale Talents 2017 and her third short film Bitter Sea was a BIFA nominee for the Best British Short. It also received four nominations at the festival of Iran's Film Academy (Khaneh Cinema). Fateme's latest film, Leila's Blues, premiered in the 50th anniversary of Directors' Fortnight at the Cannes Film Festival. Fateme is currently developing her first feature as well as working as the associate producer on a feature documentary edited by legendary Walter Murch.
Fateme said: "It's been an amazing journey with Film London – truly life changing! We had all the support we could wish for, from developing the script in pre-production to spreading the news of our festival accolades after the film started its festival life. Moreover, the recognition itself strengthened my belief in my vision as a filmmaker and opened many other doors for me. Film London is a lovely family to be a member of and I am eternally grateful to them for their support and kindness."


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offered by Lil Glenn Company, LLC, text or call for appt, 8644140331 or email firstname.lastname@example.com for all details. Greenville, SC downtown living in the highest quality of design and materials. John Sherman Builders, Ben McKay, Graham Kimak, and the owner worked as a team to build a stunning home with a rooftop floor offering a killer view of the mountains. Three floors:
645 sqft in efficiency apartment in basement with separate front entrance, kitchen, bath with double sinks, large front windows for natural light, storage nook beneath front steps for bikes.
1074 sqft on the second floor with large windows and transoms, large kitchen with island 5 burner gas cooktop with downdraft, kitchen is open to front large dining room. All Kitchen Aid appliances with wall oven and microwave, sea grass glass tile, quartz countertop, stainless farm sink, soft touch cabinets, cabinet pantry. Ample size room for technology or small office with smart wiring throughout home.
1074 sqft on 3rd floor of bedrooms, master suite has oversized custom closets, separate tub and shower, dual sinks with quartz countertops.
Take stairs or elevator to rooftop for the most beautiful view running east to west, covered center area with gas grill hookups.
Home offers Tongue and groove hardwood floors of walnut stain, quartz countertops, IPEI decking, true divider aluminum clad windows, elevator from basement to rooftop, sound system throughout interior and exterior, deck on 2nd and 3rd floor, crown moldings throughout home, brushed brass fixtures, fans and stained wood ceilings on decks, oversized closets, storage, two car garage, tankless water heater, multi HVAC units.
Beautifully landscaped yard with evergreens, horizontal wood slat fence, iron gate at rear entrance, exterior is old time brick and hardi plank siding.
Home offers 5 minute walk to ball field, sidewalks lined with mature oak trees. Duplex condo with shared expenses with side owner of unit B.
2858 sq ft of heated space and 1231 sqft of covered porches/rooftop deck, 565 sqft two car enclosed garage to entertain and enjoy in a beautiful newly constructed home. Elegantly appointed home offering low maintenance, beautiful view in a location designed for a city lifestyle, biking to Swamp Rabbit, walk to restaurants, and entertain on a dynamite rooftop.
Directions: N 385, R on Academy, L on N Leach, L on Perry Avenue


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Head of Content
- Responsible for the concept development of content formats that nowadays come in all tastes, shapes and sizes. Not just nice video formats. But you know what we mean.
- Works together with Strategy on building the campaign plan. And challenger of media and social agencies in that same fase.
- Advisor to clients on content briefings and content strategy.
Functie eisen
- Knows content and has a proven track record of let's say 3 to 4 years in this domain (minimal).
- Knows how to work with strategists, clients and media agencies.
- Has a problem solving, entrepreneurial mentality
- Is able to inspire people.
Over Being There
Being There is an independent creative agency in Amsterdam that has been around for 17 years. We believe in two things. One: action is character for brands. More than ever. And second. Everything a brand does is visible nowadays. And that offers new and endless possibilities to communicate with different target audiences and activate them. We look on the inside and outside of brands for opportunities to communicate. Hence: Inside Outside Creative Agency. We are looking for a Strategist who understands how to build brands. Inside out. Outside in.


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You have no items in your shopping cart.
An extremely flexible silicone sealant which has good adhesion.
LA5 is engineered to give the maximum joint movement capabilities. The excellent weathering, UV and ozone resistance of this silicone gives a life expectancy of over twenty five years. LA5 fully complies with the requirements of ISO11600-F&G-25LM.
Bond It LA5 should be used to bond glass and weather/draught proof door and window frames. It can also be used to seal solar collectors, curtain walls, air conditioning and glazing systems, perimeter sealing and cladding systems.
It is ideal for use on:
- glass
- ceramics
- primed metals
- aluminium
- sealed timber
- polyester
- brick
- PVCu
- acrylics
Ensure all surfaces are clean, dry and free from grease, oil or any other contaminants that may hinder adhesion. On porous surfaces priming may be necessary.
Apply using a standard sealant gun with the nozzle cut at an angle of 45°, and to an opening slightly larger than the joint to be sealed. On metals which can be affected by acetic acid prime or use on of the Bond It neutral cure silicones such as LN7.
Once the silicone has been applied and tooled rain will not have any adverse effects on the sealant.
LA5 comes in 3 colours: white, translucent and brown.
EU3 plastic cartridge.
Shelf Life
Additional Information


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Mark Yarbrough
Vice President for Communications; Associate Academic Dean for External Education, Dallas Theological Seminary
B.S., Bible and Christian Education, Dallas Christian College, 1993Th.M., Dallas Theological Seminary, 1996Ph.D., Bible Exposition, Dallas Theological Seminary, 2008
Prior to coming to Dallas Seminary in 2001 as research assistant to the president, Dr. Yarbrough served in a wide range of positions at Dallas Christian College including Professor of Biblical Studies, Vice President for Student Development, and Vice President for Enrollment Management. As Vice President for Communications and Associate Academic Dean for External Education at DTS, Dr. Yarbrough has spearheaded development of the Seminary's online education program including the recent Chinese initiative. He also oversees general communication with the media and interacts within the world of technology, relating to higher education. His love for the classroom draws him to the Bible Exposition department, where he also serves as an Assistant Professor. A member of the pastoral team at Centerpoint Church in Mesquite, Texas, he is a frequent conference and seminar speaker. He and his wife, Jennifer, have four children: Kayla, Jacob, Kayci, and Joseph.
Biblical Studies;
The Logos Almanac is licensed under a Creative Commons Attribution-Share Alike 3.0 Unported License.
Welcome, Guest!
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Some other information that may be helpful
Use the "Lady's by date" filter under the LADYS tab to see who will be there when you plan to be there. Take some time check out profiles. Especially the menus (threesomes) (group) and so forth.
As Flint said discuss the date you plan to be there, your expectations in detail and choices for the 2nd lady with the ladies that you plan to party with, through email (in Profiles) or better yet twitter messaging. You can get a fairly complete list of Twitter accounts from the Blog "Blog home>Escorts>Escorts on Twitter". The ladies can only email while they are there so it can be hard to get ahold of them if they are not currently at the ranch.
Read "Dex's guide for Newbies" it has a lot of great "timeless" information that really helped me.
Relax and have fun. Don't treat it as a check box. The ladies are very sweet and very attractive. They are very good at making newbies feel comfortable. I was really nervous in the beginning; it was my first visit too. I had an incredible time and it was worth the time planning and money spent.


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Gisele Bundchen for Vogue Brazil via Fellow Fashionista Lorena.
Tuesday, July 31, 2012
Monday, July 30, 2012
Gorgeous Gowns
Versace Haute Couture Fall 2012 gowns pictured via style.com.
Which gown do you find most glam?
Sunday, July 29, 2012
Going for Gold!
Lovely Leather Dresses
Saturday, July 28, 2012
Nice Notebooks
Letts notebooks at letts.co.uk.
Some fun facts about the company:
· Letts is the UK's leading diary manufacturer. Making 40% of Britain's branded diaries; the company employs more than 300 people at its factory in Dalkeith, outside Edinburgh.
· John Letts founded the company in 1796 and created the world's first commercial diary 200 years ago in 1812.
· Letts now sells more than 22 million diaries a year in 75 countries around the world. Embracing new technology, Letts also creates a wide range of bespoke and personalised products.
Friday, July 27, 2012
Haute Couture: Glamorous Gowns
CC is smitten with these gorgeous gowns from the Fall 2012 Haute Couture collections.
Photos via style.com.
Alexis Mabille
Armani Prive
Christian Dior
Giambattista Valli
Which gown do you find most glamorous?
CC adores the red strapless Christian Dior gown!
Thursday, July 26, 2012
Gorgeous Gisele
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Based on the April RP Data-Rismark Hedonic Home Value Index results, Australia's housing market has started to display the first signs of a long-anticipated cooling in conditions in line with other recent data, such as weaker auction clearance rates and finance approvals.
In the month of April, Australian capital city home values (including all houses and units) rose by just 0.2 per cent, which is the lowest monthly growth rate RP Data-Rismark have recorded since the end of the GFC-induced downturn in December 2008. On a seasonally-adjusted basis,* Australian capital city home values advanced by 0.3 per cent.**
All the capital city growth rates recorded in the month of April were substantially less than the national average of one per cent per month over the previous year. Indeed, Melbourne's monthly growth rate of 0.8 per cent in April was half the 1.6 per cent per month average in the year to March.
When we divide RP Data-Rismark's patented hedonic index up according to the bottom 20 per cent of all capital city suburbs ranked by price, the middle 60 per cent, and the top 20 per cent, we find evidence of a clear moderation in capital growth rates across all price strata (see first chart below). And while the most expensive suburbs have outperformed the more affordable markets since the start of 2009 (refer to the top line), these areas experienced a 0.6 per cent contraction in value in April.
Here it is also worthwhile noting that whereas the cheapest suburbs led Australia's housing recovery at the end of 2008 before homes in other price bands, these regions now look to be the first to have experienced an attenuation in growth rates (refer to lower line in the chart below). In fact, the cheapest suburbs have recorded almost half the house price growth realised by the mid and upper markets in 2010. This is a dynamic that the Governor of the RBA presciently referred to late last year.
Rismark has been forecasting a cooling in house price growth back to single digit levels since October 2009. With the benefit of hindsight, the 11.8 per cent rise in the cost of Australian housing evidenced in 2009 should not have been all that surprising. Overall disposable household incomes rose by a near identical 11.5 per cent as a consequence of the government's fiscal stimulus and a multi-decade interest rate nadir.
In the current calendar year most economists project that disposable household income growth will be a comparatively weaker 3-5 per cent. Rismark's national 'dwelling price-to-income ratio' index shows that since 1993 Australian residential property values have tracked purchasing power quite closely (the latest estimate of this ratio is 4.7 times). 2010 will likely be no different. When thinking about these relationships, it also pays to remember that the income characteristics of the marginal home buyer and/or capital city borrower can be different to those attributable to national averages reported in the ABS National Accounts, which include the circa 30 per cent of households that do not own a home, and borrowers living in non-capital city markets.
Since the start of 2007 housing costs in Australia's capital cities have risen more rapidly than the 'rest of state' markets, which, while frequently ignored by the media, still account for around 40 per cent of all homes. This is presumably attributable to the confluence of stronger demand and less responsive supply in metro areas.
On a seasonally-adjusted basis, house values in the 'rest of state' areas have not increased at all in 2010, registering a decline of -0.1 per cent over the first four months of the year.*** And in the 12 months to April 2010 house values in the rest of state regions have appreciated by just 5.6 per cent (or less than half the rate of their capital city counterparts). The chart below shows the monthly growth rates in the capital city and non-capital city markets since the start of 2010.
The principal driver of the downdraught in Australian house price inflation has been the recalibration of monetary policy. The headline variable mortgage rate hit a trough of 5.75 per cent in May 2009. After watching the near-term effects of the GFC subside, the RBA has lifted the cost of housing credit back to 7.4 per cent, which is almost exactly in line with the long-term historical average since the central bank embraced its inflation-targeting regime in the early-to-mid 1990s. This is still, however, well down on the 9-10 per cent mortgage rates Australian borrowers faced as recently as August 2008.
In May the RBA's head of financial system stability, Dr Luci Ellis, claimed in a major speech on Australia's housing market that "we do not have a credit-fuelled speculative boom on our hands." This verified what we had been arguing for many months about both the RBA's views on the burgeoning recovery, and the influences in the market more generally. The short story is that the escalation in housing costs has been mainly motivated by underlying demand- and supply-side fundamentals, not leverage as some doomsayers would have us believe.
Five findings in the RBA's latest Financial Stability Review bear this out: first, housing credit growth remains very modest and nearly half its average rate over the last 15 years; second, total household gearing in Australia is about 29 per cent and less than half the leverage that currently exists in the US; third, Australia's mortgage default rates are about one-tenth and one-quarter their US and UK equivalents notwithstanding our substantially higher home loan rates; fourth, the proportion of all borrowers that suffer from a conjunction of high loan-to-value ratios and large repayment burdens is very small (roughly two per cent); and, finally, Australian banks have consistently applied conservative credit assessment standards.
RP Data-Rismark's April index results are important insofar as they offer the first credible evidence of a genuine moderation in house price growth. Some will no doubt chalk this up as a victory for the RBA's recent 'jawboning' of the purported ebullience. Although there may be some truth in this, the RBA's 'open mouth operations' have also caused considerable confusion amongst lenders and developers as to whether it believes the market is experiencing a 'bubble'. Fortunately, Dr Luci Ellis' recent speech on the subject righted several misunderstandings in this regard.
Dr Ellis also highlighted the fact that housing markets and the household sector have not historically been a source of 'system stability risk' despite some media commentators' apparent obsession with convincing us of this. The far more hazardous areas of the economy have been government, corporates and commercial real estate. Or, in Dr Ellis' words:
"Compared with other kinds of credit, lending to households to finance the purchase of housing is relatively low risk. International banking regulations recognise this by applying lower risk weights to home mortgages than to small business loans… Historically, households have not normally been the instigators of financial instability. Aside from the current episode in the United States, financial crises are normally sparked by other sources. These include commercial property, property development, leveraged buy-outs, sovereign debt and so on."
* Last month RP Data-Rismark launched Australia's first 'seasonally-adjusted' house price index. Rismark's analysis shows that Australia's housing market exhibits strong seasonality.
**March's 1.4 per cent capital growth estimate has been slightly revised to 1.3 per cent based on more recent sales.
**After receiving a request from the RBA, Rismark and RP Data recently established a non-capital city or 'rest of state' house price index using our patented hedonic technology.
Real-time, stream-of-consciousness insights on financial markets, economics, policy, housing, politics, and anything else that captures my interest. Tweet @cjoye
The author has been described by News Ltd as an "iconoclast", "Svengali", a pollie's "economist muse", and "pungently accurate". Fairfax says he is a "Renaissance man" and "one of Australia's most respected analysts." Stephen Koukoulas concludes that he is "85% right", and "would make a great Opposition leader." Terry McCrann claims the author thinks "'nuance' is a trendy village in the south of France", but can be "scintillating" when he thinks "clearly". The ACTU reckons he's "an enigma wrapped in a Bloomberg terminal, wrapped in some apparently well-honed abs."


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About this lesson
Effective hypothesis testing is a disciplined process. From writing the process, to designing the study or experiments, and finally analyzing the data, there are proven best practices that should be applied. This lesson presents and explains the hypothesis testing process as used in Lean Six Sigma.
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Quick reference
Hypothesis Test Process
While there are many different statistical hypothesis tests, the process of hypothesis testing is simple and straightforward. This lesson covers the steps of the hypothesis testing process.
When to use
Hypothesis testing is used in Lean Six Sigma projects during the Analyze phase and the Improve phase. During the analyze phase it is used to identify root causes and understand relationships between process variables and other factors. During the Improve phase it is used to demonstrate the effectiveness of a proposed solution to the problem.
The Hypothesis Testing process is a five-step process:
- Define the problem or issue being investigated and state the goals. This clarifies the issue you are investigating.
- Form the Null Hypothesis (Ho) and the Alternative Hypothesis (Ha). These two are always created in pairs and are essentially opposite statements. The Null hypothesis always states that the variable or factor being investigated is not impacting the process in a statistically significant manner. The Alternative hypothesis states the variable or factor does impact the process. The Null and Alternative hypothesis should be written so that it is clear the population being considered and the specific variables to be analyzed.
- Collect data for analysis. Based upon the elements of the hypothesis. It should be clear what data sets are required. Often the data exists within the data collected during the Measure phase, but there may be additional factors needed for the analysis.
- Calculate the Hypothesis Test statics. Depending upon the nature of the data and the goal of the question, different hypothesis tests will be used. All will determine if there is a statistically significant impact on the process based upon the condition being studied.
- Based upon what the evidence suggests, decide:
- Reject Null Hypothesis Ho
- Fail to reject Null Hypothesis Ho
Based upon the conclusion, the Hypothesis Testing process may need to be repeated with a different set of variables or factors.
Hints & tips
- Be sure your purpose is clear. This will make writing the hypotheses easier.
- If you need to collect more data, be sure your measurement system is adequate. You may need to do a measurement systems analysis to demonstrate that you trust the data.
- The decision is not to accept the Alternative hypothesis, it is a decision to reject the Null hypothesis. A poorly written Null and Alternative hypothesis may lead to the rejection of the Null, but since there are multiple other options, you cannot say with confidence that rejection of the Null leads to acceptance of the Alternative. They may both be false.
Lesson notes are only available for subscribers.
PMI, PMP, CAPM and PMBOK are registered marks of the Project Management Institute, Inc.


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Eutelsat is selling its portion of a joint-venture satellite operating over the Middle East. Eutelsat 28B, which was co-owned by Qatar's Es'hailSat, will now be wholly-owned by the Qataris who will gain the revenue from an additional 15 transponders operated by Eutelsat.
Paris-based Eutelsat says that the satellite earned revenues of about €16 million in the year to June 30th from its position at 25.5 degrees East.
E-25B/Es-hail-1 is, in effect, co-located with Arabsat's important 'hot spot' at 26 degrees east.
Eutelsat commented: "The divestment of this non-core asset is in line with Eutelsat's strategy of optimising its portfolio of businesses in the context of its policy of maximizing cash generation. It has no impact on Eutelsat's revenue objectives which are at constant perimeter, and will be absorbed within the Group's EBITDA margin target. The discretionary free cash flow objective excludes the impact of the disposal."
Eutelsat 25B, built for the joint-venture by Space Systems/Loral, was launched in August 2013 with a planned life of at least 15 years. It carries 32 Ku-band and 14 Ka-band transponders.
Qatar's Es-hailSat is expected to launch its second satellite later this year.
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I had the opportunity to attend the Blogs with Balls 4 conference this past Saturday in New York City. I'll have a complete wrap-up of the event during tonight's Sports Media Weekly Podcast with Ken Fang of Fang's Bites.
I also had a chance to conduct a few interviews with some of those at the conference. Here is the first one…a talk with Chris Lucas of HHR Media, the organizers of the event..


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Assign accounts to groups in the Data page
At the Data page, the Assign Accounts icon can sometimes show a red badge ( ) once you import the trial balance. This means that one or more accounts haven't been successfully mapped to groups. The same happens once you manually add one or more accounts. Note that the red badge shows the number of unassigned accounts. For example, if there is one unassigned account, the badge shows 1 ().
You must manually map unassigned accounts to appropriate groups so that your financial data populates correctly throughout the engagement.
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Select Assign Accounts icon () from the top right corner of the Data page.
Select a group to assign the selected account to that group.
You can also select Assign Accounts from the left side panel.
In the Assign Accounts page, the unassigned account displays at the Unassigned section. The application may also display group suggestions under Suggestions.
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Once you select a group, a message displays at the bottom to confirm the account assignment. You can undo the account assignment by selecting Undo button in the confirmation message.


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This article is only available in the PDF format. Download the PDF to view the article, as well as its associated figures and tables.
This volume of the Year Book appears for the first time since 1918 without the authorship of Dr. Peter Bassoe. The publishers have written a foreword expressing their appreciation of his great service in editing the Year Book over this long period with the utmost intelligence and conscientiousness. The labors of Dr. Bassoe have over these years saved the neurologist and psychiatrist much effort in keeping up with the important literature of this country and abroad. Dr. Bassoe has had the foresight to include the literature on endocrinology in his previous volumes. This year Dr. Sevringhaus has the editorship of the section on endocrinology and has not alone abstracted the current literature for the year but also given a useful outline of the current ideas of the interrelationships of the glands of internal secretion. This section with its critical selections and wise comments is valuable to any one desiring to
The 1934 Year Book of Neurology, Psychiatry and Endocrinology. JAMA. 1935;105(11):908–909. doi:10.1001/jama.1935.02760370064036
© 2020
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| 12.3°C Belfast
I greet Emilia Fox by informing her that I now have the full set of Foxes, having previously interviewed cousin Laurence (twice), brother Freddie (in a car park in Belgium, if I remember rightly), father Edward and uncle James. "Oh, have you met Uncle Robert then?", she asks airily, as if we moved in similar circles. Uncle Robert is the theatre and movie producer, Robert Fox.
There's always one more, isn't there? Actually there are three more, if you count the latest cousins, Lydia and Jack, to enter what must be termed the family business.
Emilia Fox herself has, for the past 12 years, portrayed forensic pathologist Dr Nikki Alexander in the long-running BBC1 crime drama Silent Witness. She has taken a variety of other roles during this time, including two notable villains - the sorceress Morgause in BBC1's Merlin and a serial-killing clergyman's daughter in the 2007 TV drama Fallen Angel - but no one quite as authentically chilling as her latest part, as human trafficker Vanessa Hamilton in the new series of the Anglo-French thriller The Tunnel.
Chain-smoking cheroots, with scraped-back hair and thick black mascara surrounding eyes as cold as an empty grave, Hamilton is about as far from Nikki Alexander as you could probably get.
"Nikki is always on the quest for truth and justice, and Vanessa has absolutely no morals or goodness at all," says Fox. "She is someone who is shut off emotionally from the things that she does. A truly bad person."
The Tunnel is, of course, based on the Scandi-noir series The Bridge, in which Danish and Swedish police team up to solve a murder that straddles both jurisdictions - except here it's British and French detectives (played by Stephen Dillane from Game of Thrones and Clémence Poésy from Birdsong and In Bruges) uniting to fight cross-border crime.
"I'm a massive fan of The Bridge", says Fox. "So I was just delighted to be in anything that's in any way connected to that show.
"Coincidentally, I'd just been asked to be a patron of the charity Unseen, which aims to create awareness and offer help to the victims of trafficking and modern slavery. The true horror of Vanessa is that there are probably lots of people doing what she is doing."
The new series, subtitled Sabotage, links the abduction of a couple from their car on Eurotunnel's shuttle service and the downing of a passenger airliner in the Dover Strait, and was pushed back a week by Sky Atlantic due to sensitivities over the recent terrorist attacks in Brussels. I wondered whether Fox was consciously distancing herself from Silent Witness with such material, and had plans to leave a show that this year marks its 20th anniversary?
"No, not at all", she says. "I never consciously do anything with my career. I chose it for all sorts of other reasons."
Silent Witness still pulls in over nine million viewers an episode, extraordinarily healthy numbers in this age of promiscuous viewing habits. The show has the added advantage of being filmed just up the road from Fox's home in Acton, west London, which she shares with five-year-old daughter Rose and a live-in nanny.
Rose's father is the actor Jeremy Gilley - he and Fox broke up when Rose was still a baby - and she was previously married for five years to Jared Harris, Mad Men's Lane Pryce and the son of hell-raising screen legend Richard Harris.
"I'm quite lucky because with Silent Witness, Rose has been part of that family for so long," she says. "I was pregnant with her when I was still filming it, and the studio is only five minutes away from my house - so it means that more often than not I can do the school drop-off and get back for bedtime."
She even provides the charming mental picture of her father Edward, an actor known for playing debonair but still rather stiff members of the ruling class, getting down to Rose's level. "I can ring up dad and ask him if wants to hang out in the playground together and he enters into the spirit of it in his late 70s", she says.
The 41-year-old actress now counts among her personal friends some of the forensics advisers who work on Silent Witness, and has herself attended two autopsies. "The first one was when they asked me to do the job", she says. "It was of an older man in his 80s, so in a way it felt more natural.
"Nevertheless, I found it very thought-provoking. Is that it? You live your life and then you end up on a slab, the essence of you is gone ... there is literally a carcass there. I was really quite upset about it. I suppose the message of it is that you have to make the most of every second that you are here. And I got that message loud and clear because the next autopsy was a man in his early 20s."
And while we're on the subject of mortality, Fox recently filmed Mum's List, which is based on the best-selling memoir by Signe Green. Rafe Spall plays Signe and Fox plays Kate, a real-life couple from Somerset. When Kate was diagnosed with incurable breast cancer she spent her last days writing down her thoughts and memories to help Signe create the best possible life for their two sons.
"When people ask 'did you take Vanessa Hamilton home?'', the answer is, no I didn't," says Fox. "But I found it much harder to say goodbye to Kate during filming. I found that very affecting because I'm a parent. I feel very emotionally connected to that story."
Just before filming The Tunnel on the Kent coast, Fox was nearby in Margate shooting The Carer, in which she played the strong-willed daughter of a grand but dying Shakespearean thespian (Brian Cox).
In many ways, hers is an enviable career, anchored for seven months of the year by Silent Witness, but providing plenty of room to experiment, sometimes even playing characters whom Dr Nikki's fanbase might find repugnant. Does she worry that they might?
"I really hope they understand it''s a drama and not a documentary, and that I'm not Vanessa Hamilton," she says. "But if I worried about that through all the work that I ever did, then I would only ever play myself or characters like Nikki Alexander, and that would be incredibly limiting."
Quite so. Now where do I find Robert Fox?
The Tunnel begins on Tuesday on Sky Atlantic at 9pm
Belfast Telegraph


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Lyon Solar today announced it will build a minimum 100MW/100MWhr battery in South Australia which will significant improve the state's energy security and as a result the ability to maintain jobs in the state. The battery, one of the largest in the world, will cover 4 000 square metres – the size of a soccer pitch – and be connected to Lyon's Kingfisher solar project.
Lyon also announced its next Solar + Battery project, to be built in Lakeland, Queensland. The grid- connected project will include 80MWh Solar PV and a minimum 20MW/ 20MWh battery storage module, making it almost 4 times bigger than Lyon's first solar and battery venture (also in Lakeland) which was supported by ARENA funding and recently sold by Lyon.
Lyon Partner David Green said the significant size of the Solar + Battery projects, which were the first of their kind anywhere in the world, dealt with the number one issue facing the Australian energy sector – how to integrate more renewable energy without destabilising the electricity network.
"Battery storage really is the missing piece of the puzzle in Australia's clean energy future, and for that matter anywhere seeking to incorporate large amounts of renewables into the energy mix. These projects will complete the picture," said Lyon Partner David Green.
"Ultimately, with this breakthrough there is no limit to the amount of renewable projects that can be connected to the electricity grid in Australia or anywhere else in the future."
Mr Green said that "while Lyon strongly supports Governments' ambitious targets for renewables, the connection of renewables to the grid without batteries to manage their intermittent energy flows has the potential to create problems for the national electricity grid.
"This challenge is increasingly being recognised offshore as Governments mandate that future large scale renewable projects must include batteries, and in some cases, have retrospectively required batteries be integrated with all existing renewable projects."
100MWhr battery at Kingfisher, Roxby Downs
The battery storage facility in South Australia will be one of the world's largest and be connected to Lyon's Kingfisher Solar project. Mr. Green said the company had decided to increase the size of the battery from 20MWh to 100MWh to help address the issues confronting the electricity network in South Australia.
"For large scale solar projects to play an important role in the future of the South Australian economy, we have to deal with the intermittent power that renewable generation produces. We have to translate solar into the secure and reliable source of power 24 hours a day, 7 days a week that it can be and batteries allow us to do that," Mr Green said.
"A 20MW battery would achieve that at Kingfisher for Roxby Downs, but at 100MW it will not only service that industrial centre, but improve energy security across the state's electricity network.
"At times of need, the battery could ensure the entire state does not face outages, if the interconnector between Victoria and South Australia fails, the battery will instantaneously compensate," Mr Green said.
Mr Green also said that Lyon is examining expanding the battery to 400MW based on the state's need for energy security.
Stage One of the Kingfisher project is a 20MW solar PV plus minimum 2MW battery storage and will be commercially operational by late 2017. Stage Two will include 100MW solar PV plus minimum 100MW battery and will be developed concurrently.
Lakeland Solar + Battery project
The Lakeland Solar + Battery storage project in Queensland will also be commercially operational by the end of 2017, with the speed of deployment made possible by the lessons learned through Lyon's original battery + storage development at Cook.
"While we have sold the original Solar + Battery project in Cook, we've taken the lessons we learnt through the three years in developing that project and are deploying this proven technology at a much larger scale through the Kingfisher project in South Australia and the Lakeland project in far north Queensland.
"Between the two projects there will be 120MW of battery storage added to the national electricity grid. We plan to more than double that in the following year with battery projects currently in our pipeline that are yet to be announced."
Equity has been raised for both projects and Lyon's equity partners will be announced in September. Both projects will be fully equity funded allowing construction to start on both projects in early 2017.
Huge economic and jobs opportunity
Reflecting on the economic opportunity of Solar + Battery, Mr Green said because Australia would be leading the world in the development of this type of project, there was a huge opportunity for a modern, high tech battery manufacturing and services hub to emerge.
"We expect there to be huge competition for the location of a battery manufacturing hub in Australia."
"We are using battery systems developed by AES, which is the world's most experienced energy storage providers. They will deliver the units to Australia, but the batteries will need to be assembled locally, which will deliver jobs and new knowledge and expertise to Australia."
"And the economic opportunity is much wider than manufacturing, with the establishment of a battery hub in at least one state in Australia to be required. That could include remote servicing capability for other battery projects overseas among other sub industries – we are working through the numerous opportunities to ensure skills and jobs growth in Australia for this growing market."
Mr Green said Lyon Solar had conceived, designed and developed the Solar + Battery technology configuration in Australia not only to address power security issues but as a new way to avoid costly network upgrades on the fridge of the national grid and off grid.
"Providing reliable electricity to areas on the fringe of the electricity grid has traditionally meant massive capital investment in extremely long network lines which is inefficient because of the huge energy loss and loss of energy quality that occurs when transporting electricity across those distances.
And some off grid facilities have significant and expensive network infrastructure, supporting numerous mine sites and smaller townships
"Solar + Battery provides a reliable, secure and less costly alternative to network upgrades, while providing better outcomes for energy users seeking to manage their emissions footprint. For regulators and network owners it solves their network constraints while enhancing reliability and security of supply.


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Photo by Jim Strasma on Unsplash
Sacred Union
Divine feminine and divine masculine are apparent and required in all of creation. For example, electricity requires a plug and an outlet in order to access the electrical charge necessary to operate appliances, electric tools, or electronics. A vehicle requires gas in order to run which takes the phallus from the gas pump and the entrance into the gas tank to bring in the fuel that generates the energies for the car to run. In order to co-create a new life, the phallus of a man enters into the vagina of a woman and within this space new life is created.
The interesting part of the human make up is that as humans we have the spaciousness for the embodiment of both masculine & feminine characteristics and traits. In this article, I'm not suggesting physical traits, necessarily but more so within the way in which we operate. Once an awareness is brought into the attributes of both the divine feminine/masculine energies you are able to better understand your life and how to balance between the two in a way that actually serves you.
Characteristics of the Divine Masculine and Divine Feminine
What exactly do these traits look like? Below is a list of what makes up each side:
Divine Masculine
Fire energy
Make a plan
Execute goals
Stay in your own lane
Strong boundaries
Giver/ Producer
Guide yourself & others through fears
Reasoning mind
Masculine is direct- 'here is the deal'
Tangible outcomes & results
It's a thinking state
Some of the ways it can be experienced in an overactive way would be:
Only my way
Black and white thinking
Divine Feminine:
Water energy
Tapped into self & others
Able to Connect to other people on a soul level
Spacious - like the womb
It's a feeling state
Overactive or underactive:
Bleed into others
Not sure where you begin and others end
Lack of boundaries
In constant flow and can't actualize goals
Financial suffering
Recognizing imbalance
Recently, I worked with a female client who had been single for many years. She had hit a point in her life where she began to feel stuck. She was sensing a void, becoming hopeless, and feeling depressed. She expressed being tired of the daunting task of dating men who didn't take the initiative to ask her out on second dates and would leave all the planning up to her, Also, she was frazzled by the emotional state of the men she dated who she described as being sulky, pouty, unavailable and extremely passive.
She was reaching her mid- forties and feeling as if meeting a man who she could settle into a relationship and eventually have children with was out of her reach. The very thought of living life alone for the rest of forever was devastating to her. As we continued to communicate, she revealed that she created a life for herself by being driven for success within her career. Her lifestyle demanded rigid structure, schedules, and dedication. She was constantly in an action state of striving, working and achieving.
We also discovered that this lifestyle, even though it had worked well for her in the past was not working so well for her at the moment. At that point, she desired being connected to a mate and her feminine side. She wanted a family to nurture and wanted to be desired and supported herself.
Imbalance one way
In order for her to align with a mate that embodied more dominant divine masculine tendencies, it was important to shed light onto the ways in which her life was dominated by masculine tendencies, awaken her into her divine feminine attributes, and open the ability to be in a receptive state of being.
Because she operated within the dominant state of somewhat overactive masculine energies while being disconnected from her empowered divine feminine energies, it would be virtually impossible for her to attract a mate that operated within his divine masculine side. Hence, that is why the men she had dated predominantly embodied traits of the more feminine energies in a disempowered way.
Over a few short months of coaching, she was able to reconnect with her divine feminine side and shortly thereafter met her divine mate. She married him, and approximately 6 months later, she learned that she was pregnant, about to fulfill her dream of being a mother.
Imbalance the other way
I, myself, operated on the other end of the spectrum. There was a time and place in the beginning of my business that I wasn't being seen, heard, and my message was ignored.
I was disappointed that my needs felt so unmet. In fact on a financial level, I was sinking fast as I wasn't able to cover my overhead. I remember thinking that I was not making a contribution in the world, and I was beginning to doubt my abilities. I wondered if I was supposed to return to working somewhere else that guaranteed a paycheck. The whole time, I had this voice inside of me that encouraged me to awaken and remember my dreams, what created my passion to serve others, and share my story to begin with. I somehow knew my dreams were valid, and if I was going to succeed I needed help. I decided it was necessary for me to hire a mentor that was successful within a soul-aligned business themselves.
After that, I discovered I was operating so far over into the divine feminine side of flow: compassion, understanding, feelings, acceptance and holding space for others. At the same time, I didn't have structure, drive, a solid plan of action, dedication and boundaries. Without these traits, I sabotaged myself and in turn, didn't attract clients who were willing to invest in themselves. Even if they were, me being over-sensitive blinded me to the fact that they actually were ready to invest or they would not have been sent to me. I realized that by being overly nurturing and sensitive to the needs of others above my own that I was creating an abyss of hopelessness for me to sink into. I questioned my ability to show up in the world.
Aligning with what you want
Once I brought awareness into the dynamics I was operating within, I was able to shift my state of being into being more curious, motivated, and peaceful. I experienced more joy and created a more magical experience for myself. The conditions of my business, my finances, and the way I showed up for my clients improved. Over a short period of time, platforms presented themselves to me that opened up venues to share my story, reach people on a global level, and guide others into discovering more about themselves. I witnessed their growth and achievements as they aligned with their dreams.
As you can tell from the stories I shared above, exploring the inner and outer structures of the divine feminine and masculine is a vast sea of greater understanding of your inner world and outer world. It's a journey I highly recommend. The good news is awareness is the antidote to all of life's struggles, and life as a whole can always become greater than it currently is.
Kristy Lee is an author, empowerment coach, radio host, teacher, and Reiki Master Teacher who accesses the Akashic Records as a means to assist clients around the globe into finding their power and obtaining freedom.
Leave a Reply.
Sameena K. Mughal, Author, Freelance Writer
July 2020


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Note: You do not need to be a teacher. Landed is available for both certificated and classified employees of eligible K-12 public school districts, as well as faculty and staff at institutions of higher education.
- You must qualify for a mortgage with one of Landed's participating lenders. Currently, Landed's participating lenders require that homebuyers contribute at least at least 5% (10% in certain regions) towards the purchase of the home. This can include family gifts.
- You do NOT need to be a first-time homebuyer.
Buying with Landed has a few requirements, too.
- The home must be used as a primary residence for at least the first year.
- The home must be located within an eligible area.
- You must agree to stay with your current employer for at least the next two years. If you choose to leave voluntarily, you may be required to pay back the funds even if you weren't planning on selling the home.
If you aren't sure whether you meet all of the criteria, contact us at email@example.com. We'll make sure your questions are answered promptly.


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Chocolate Cran-Raspberry Cheesecake Bars
Cranberries, raspberries and baking cocoa take ordinary cheesecake bars to a new level. The recipe makes a big batch so it's terrific for large gatherings.—Sharon Delaney-Chronis, South Milwaukee, Wisconsin
Total TimePrep: 25 min. Bake: 45 min. + chilling
Makes2 dozen
- 1-3/4 cups sugar, divided
- 3 tablespoons cornstarch
- 3 cups fresh or frozen cranberries, thawed
- 1 cup fresh or frozen raspberries, thawed
- 1/2 cup cranberry juice
- 2 cups crushed vanilla wafers (about 60 wafers)
- 5 tablespoons butter, melted
- 3 tablespoons baking cocoa
- 3 packages (8 ounces each) cream cheese, softened
- 1 cup sour cream
- 3/4 cup egg substitute
- 3/4 cup semisweet chocolate chips, melted
- 1-1/2 teaspoons vanilla extract
- Additional melted semisweet chocolate and fresh raspberries, optional
- In a large saucepan, combine 3/4 cup sugar and cornstarch. Stir in berries and cranberry juice. Cook and stir over medium heat until mixture comes to a boil. Remove from the heat and cool slightly.
- Meanwhile, in a large bowl, combine the wafer crumbs, butter and cocoa. Press onto the bottom of a greased 13-in. x 9-in. baking dish. Pour berry mixture over crust.
- In another bowl, beat the cream cheese, sour cream and remaining sugar until smooth. Add egg substitute; beat on low speed just until combined. Stir in melted chocolate and vanilla. Pour over top.
- Bake at 325° for 45-55 minutes or until center is almost set. Cool on a wire rack for 1 hour. Cover and refrigerate for 8 hours or overnight. Drizzle with additional melted chocolate and garnish with raspberries if desired.
Nutrition Facts1 piece: 283 calories, 17g fat (10g saturated fat), 46mg cholesterol, 150mg sodium, 30g carbohydrate (23g sugars, 2g fiber), 4g protein.
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Nov 22, 2012
These flavours are great together! If some are not a fan of the tartness of cranberries, just mash them a bit to combine with the raspberries. Has a festive look, and I will definitely make again.
Mar 31, 2012
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Milltrack NQ manufactures a large range of concrete products including cane railway sleepers, culverts, base plates, link slabs, head walls, water troughs, irrigation risers, retaining walls, pavers, fence posts, and other products on inquiry.
The company has been manufacturing culverts for over 15 years, always trying to meet the needs of property developers, shire councils, sugar mills and property owners.
Miltrack NQ also specialises in providing made-to-fit culverts for loading ramps and power boxes. Customers only need to supply the internal dimension measurements required and the company will manufacture the desired culverts to fit their specifications.


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Preparing for a career as a Whittemore Physical Therapist
Prior to commencing the journey into the gratifying world of physical therapy, we will need to take some significant considerations. While it is intriguing and difficult, the road to become a physical therapist can be a demanding one with many difficulties. We prepared this write-up to offer you some information into the measures required to become a physical therapist.
Steps to become a physical therapist in Whittemore MI
1. Gain Information Pertaining to This Profession
The crucial function of a physical therapist is to aid people that have lost the use of their body because of trauma or disability, gain that function back. When examining the job of a physical therapist in neurology, it is important to take into account the various projects and difficulties one may confront.
Parkinson's Disease, brain and spinal chord injuries, these are only a few of the severe medical conditions you can encounter as a physical therapist. Ailments such as this are very tricky and demand focused treatment strategies. You will need to cultivate the competence to manage these individuals over time. This calls for persistence and perseverance.
2. Receive An University Education
You should be considering a postgraduate degree in the medical field primarily. Some physical therapists have gotten by however having only a bachelor's degree. Due to the quality and intricacy of the job, a solid academic foundation will be vital to your success. It is much more vital if you are going into the field of neurology.
Make sure to get admission info from Whittemore MI schools early in the process!
3. On The Job Experience
Field experience can't be emphasized enough as an essential detail to obtaining a job in the physical therapy business. While you will have to complete your post graduate residency, you may choose to consider volunteer work at rehab centers during the course of your undergraduate study. You are even better off if the office specializes in neurological therapy, which ought to help you to acquire even greater practical experience. The hours of voluntary work can contribute to the graduate residency.
4. Gain Mentorship
Once entering physical therapy graduate school it is strongly advised that one identify a mentor in the neurological department. Knowledge and guidance on the profession and on the physical therapy occupation are only a couple benefits that your mentor can offer you.
5. Get Certified By Your Michigan As A Physical Therapist
Among the final actions to become a physical therapist is to gain state certification. Prior to being able to practice, you will be required to perform licencing exams. These are delivered by way of your state's physical therapy association. Once you have completed your first state certification, you're going to need to be certified in an additional state before you can practice. Don't be dissuaded by the challenge. The fulfillment of a rewarding occupation is well worth it.


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ESADE has singed an agreement with Banco Santander under which the bank will make a €1.5 million donation over the next five years to establish an entrepreneurship research fund. Revenue from the endowment fund will be used to finance projects carried out by ESADE's Entrepreneurship Institute (EEI).
As part of the agreement, an academic committee made up of ESADE and Santander representatives will be set up to track the progress of projects and assess which projects are eligible for financing.
Banco Santander will become a Senior Partner in the ESADE Corporate Relations Programme. In addition, a classroom on the Sant Cugat Campus will be named in appreciation of Banco Santander's commitment to ESADE, and the bank will be included on the donor plaque in ESADE premises in Barcelona, Madrid and Sant Cugat.


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Six years after it's release, John Tejada's stripped-back house anthem Sweat on the Walls gets a much deserved repress, with Martin Landsky and Donnacha Costello taking on remix duties. With it's bouncing bassline, shuffling percussion and oscillating acid synths, the original still sounds as fresh and jacking as when it dropped back in 2004. Frankly, the meandering vocal really doesn't do a lot for me, and it's the little snippets of "sweat on the walls" and "how does it make you feel?" which set a dancefloor on fire, rather than the slightly irritating "I just take some time... time is taken, you know? where do you want to go" that interferes with the squelchy run-out. Regardless, it's a polished acid gem that still tears it up with subtle filter sweeps and ebbing and flowing percussion. The Martin Landsky remix suffers a little bit in my eyes, choosing to extend the vocals, and dropping the infuriating hipster voice in over the first big drop in. It's a shame really; whilst Landsky doesn't really take the original to great new heights, his remix brings out the best in the nagging synth lines and decaying percussion, adding a couple of dynamic shifts that really improve on the original. Sadly, the vocal tends to get in the way of the best bits.
Donnacha Costello's rework is a definite winner though, focussing more on the warm analogue tones of the original and extending it to nearly nine minutes to explore the intricacies. With the vocal reduced to a looping murmur, Costello starts from a soft bass tone, adds swathes of synth and a rising acid line and complements it all with retro hi-hats and cymbals. It never reaches the peak-time feel of the other versions, but explores new depths of sound and teases the listener with a growling acidic bassline. Definitely one for the analogue house / techno heads.


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I'm writing this poem to you my ex-lover
I just want to let you know I am doing good
I'm happier now with someone else
Who never take me for granted
Not like what you've done in the past.
I'm writing this poem to say "thank you"
For letting me find myself
For letting me realize I deserve better.
I hope you'll find yours too
But please don't let him feel the hell
Take good care of people who loves you.
I'm writing this poem to bid farewell
To let you know I'm not going back to you.
I wish you happiness and contentment
Please do take care of yourself
You may look for me in someone else
But what I've given you is pure
You'll miss me for sure, I love you goodbye


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Jennifer Kinon On Taking Chances
Jennifer Kinon loves to build big identity systems. "The bigger, the better," says Kinon, who with partner Bobby Martin co-founded New York-based Original Champions of Design as a firm that specializes in creating cohesive visual identities for brands.
Recently, Kinon embarked on the biggest and most high-profile identity campaign of her career when she took a 16-month hiatus to serve as design director of Hillary for America. Despite the outcome of last year's presidential election, Kinon and her team of 16 designers were widely lauded for applying a rigorous brand strategy that produced a memorable and unified branding and social media campaign.
Faced with a campaign and a candidate like no other in history, Kinon approached the job as a single design project—unusual for national campaigns, which tend to be visually reactive, fragmented by constituency, and inconsistent over time. She worked at scale from headquarters, serving even state field offices with her team to ensure cohesive messaging (a first in presidential campaigns). She set up collaborative lines of communication with her client campaign operatives. And she split her designers into tiger teams—social, web/digital design, email/merchandising, digital ads/video, and state branding—so they could keep pace with an ever-changing campaign landscape and quickly produce a mind-numbing quantity of deliverables.
"We're still trying to inventory all the work that was completed," says Kinon. "We did email design, social media design, event design, merchandise design. We redesigned the Hillary Clinton website. We published a 280-page book. We produced the Democratic National Convention signage. We designed the campaign bus, we wrapped the campaign airplane. The volume of work is really shocking to look back on."
Now back at her desk at OCD (yes, the acronym is intentional), Kinon is readjusting to the comparatively sane pace of a high-powered New York design agency. She's had time to reflect on lessons learned from the presidential campaign, and she is eagerly (and obsessively) diving back into what she loves: creating effective identity systems that can be applied to all elements of a business.
"The reason we are obsessive about what we do is that we are consultants," she explains. "We need to put together a system and walk away, and the system has to be perfect. The files have to be saved right, the strategy has to be pitch-perfect, the guidelines have to be meticulous, and our research has to be rigorous. All of that rigor is how we can leave our clients with confidence and how we hope to earn the trust of our collaborators. So the name is deliberate, and it's a flag that we fly knowingly."
OCD is remarkable for the breadth of its client list, which includes huge organizations such as the WNBA and Girl Scouts of America, prestigious outfits such as the New York Times and MoMA, plus a host of retailers, businesses, nonprofits, civic groups, government agencies, museums and art organizations, and even a park in Brooklyn.
"'Say no to nothing' is the rule we live by," says Kinon. "The fun part is we are so focused on identities that we don't specialize in an industry. The learning that we gain in one industry, we can then take to another. And this cross-pollination really gives us a broad view of what branding is. We're able to cheat from industry to industry, and bring new ideas from, say, politics into education, or ideas from entertainment into publishing."
For example, Kinon recently took a digital strategy she'd honed in the presidential campaign and adapted it for a small education nonprofit. Similarly, she applied insights from the rebranding of a content-driven publishing site to a completely unrelated civic organization that was trying to organize a body of content into a persuasive argument. "Being able to cross disciplines like that has given us a great advantage in what we're able to offer our clients," she says.
Kinon deliberately tries to win jobs in new fields to broaden her reach. "If a new industry comes to us," she say, "we'll do everything we can to get the job. We love the learning process, and it always teaches us something that we'll use again later."
Kinon traces her passion for identity systems to her roots as a student of Steve Heller at the School of Visual Arts, in a graduate program now called "Designer as Entrepreneur." "Steve instilled in us a belief that the designer does not have to wait for a client to bring content, but the designer has the ability to create their own content and create their own product," Kinon explains.
Seated on her first day in class next to Bobby Martin, the two fell into the habit of working together and challenging each other. "We both really drank the Kool Aid of the SVA program," she says. After graduation, they began freelancing together, but they also deliberately went different ways with their careers to learn from the people they admired.
For Kinon, that meant a stint at Graphis Magazine, where she learned how to build a grid system, and a gig as design director of the massive campaign for New York City's Olympic bid. The experience of working in-house was invaluable.
"I learned what it was like to work with someone else's identity system, and to understand the politics of being a design department inside a larger organization that didn't care all that much about design," she says. "It's a lesson I've taken with me through my career as a consultant. Whenever designers ask Bobby or me for career advice, we say, 'Get experience in-house, not just as a consultant.' You learn a lot once you understand what it's like to be a designer in a business where design is not the product being sold."
From there, Kinon went to Pentagram, one of the world's largest independent design firms, where she was lucky enough to team up with Michael Bierut. "For four years I was able to just follow Michael around and watch how he worked with clients, work with him on identity systems, and learn from the best of the best," she says.
In 2010, Kinon and Martin decided to strike out on their own. "We saw a great opportunity in the design field to build a firm that focused almost exclusively on systems building. We both loved creating big identity systems, and that's what we've done ever since."
The OCD PROCESS
When describing her process, Kinon comes across as a realist and a pragmatist, less interested in design trends and more interested in precision, rigor, doing your homework, empathizing, collaborating, listening—all the hard work that goes into making good design decisions.
"Every project we take on starts with research," says Kinon, because the first step is to get a deep understanding of the brand. OCD typically does competitive, comparative, and audience research to understand the world the system will live in, as well as forecasting to predict how it will evolve in the next five to ten years. "We don't want to give our clients a solution that only works now; we want it to work for the next several decades," says Kinon.
OCD's methodology ranges from customer interviews and user experience tests to partnering with more data-driven research companies. "It's custom to each project," says Kinon.
"We also do a lot of research on the client organization itself, and how design functions within that organization," says Kinon. "It's important to understand how big the design team is, what their backgrounds are, how they're included in decision-making processes, what their budget is, and what the timelines are like for design, so that whatever we propose is realistic for that group, and we're not coming back with overly complicated solutions that wouldn't survive in that particular ecosystem."
The aim, Kinon says, is always the same: Make sure you're educated before you start giving recommendations. "Especially for clients who have been around a long time and have a lot of visual equity—like the Girl Scouts—we really want to make sure that the value of the mark increases through the work that we do, and we're not just changing it for the sake of changing it, or decreasing the value by making unnecessary changes to it. It's really about making efficient and meaningful change," she says.
Once they understand the brand, OCD moves on to strategy, mapping out the client's brand values, behavior, and purpose, and helping the client articulate how the brand should make people feel. "We are a strategy-based agency, and all of our designers are also strategists," Kinon says. "This is not a place where you do strategy on one side of the wall, throw it over to the other side, and then the designers start scrapping over it. It's really important from beginning to end that the heart and soul of the strategy, the outcome, is brought through all of the design."
Recently OCD hired its first full-time strategist, which lets them take on more projects where the strategy itself is the whole deliverable, such as naming or brand audit projects. "That's something we're doing more and more of," says Kinon.
The third phase, design, is an iterative, collaborative process of exploring a range of graphic opportunities to develop and test the new identity system. "That part is all about creating collaborative processes where, especially when we're working with large organizations, everyone's voice is heard," says Kinon.
The last phase is implementation. "Sometimes implementation is writing the guidelines for the brand identity and making sure the client can bring it to life," says Kinon. "Sometimes it's actually making the website and the collateral and the merchandise program and the social kit. Every organization has all sorts of deliverables where their branding will be expressed, and when we're lucky enough to make those in our shop for our clients, we really love that."
Like any good designer, Kinon is willing to turn her process upside down and work backward when the need arises. For example, a specific deliverable can drive identity work. "We did a fun project like that for Prospect Park Alliance in Brooklyn," she recounts. "The job was really to redesign their website. But the marketing director said, 'And maybe take a look at how our brand system is coming together,' so that opened up the larger system to us."
OCD designed a mobile-first website based on an interactive map of the park, with a cohesive system of icons for various park facilities. Using that as a starting point, they refined the mark a little, added a typographic system, and then applied the grid system from the web experience to signage and collateral throughout the park. They even created a secondary children's brand.
"It's fun when those deliverable-driven projects come to life," says Kinon. "If you go to the park now, the little icons that we drew for dogs or barbecues are on the signs for the dog areas and barbecues, and the interactive website map on your phone is the same map you see when you walk into the park. It's great to see all the stuff that we developed specifically for the website but through the research were able to optimize for everything else."
One of the most refreshing things about Kinon is her disdain for buzzwords. Asked about design-led businesses, she responds, "Precision in language is very important. Somehow 'design thinking' has become this magical bucket of nonsense, where everybody uses the term, and not everyone has the same definition."
When Kinon joined the Hillary for America campaign in July 2015, she didn't start from scratch. She was given the iconic 'H' with arrow mark, a typeface, and a color palette, all of which had been designed by Michael Bierut of Pentagram.
"It was like being a baker and being given the best organic ingredients," says Kinon. "Pentagram gave us our salt, our flour, and our sugar, and then it was up to us to combine and recombine those elements to create an identity system that addressed the flexing needs of this massive organization. We spent a lot of time getting the typographic language established and figuring out how to use the arrows and the H's to give meaning to her different constituents."
Kinon believes this attention to detail was essential to communicating Hillary's brand. "Who our candidate was, and what she believed in, was a huge part of our ethos as a design team. During her Democratic National Convention speech, she talked about how important every word in a bill is, because one word could affect hundreds of lives. Her precision with language and policy was what we felt a great responsibility to reflect in the brand. It's why every apostrophe had to be a real apostrophe and not a tic mark, why every color needed to be on brand and every typeface needed to be correct. Because we wanted to reflect the attention to detail that she was offering the country."
So the team's care was not aesthetic or craft-driven as much as it was brand-driven by the candidate they were representing. "We needed to be precise and careful in the same way that she was precise and careful with the country's needs in mind," says Kinon.
It was almost a total rebrand. "The 2008 campaign was an entirely different identity. So we had to introduce Michael's new identity, give that meaning, and get it out across the country in a very short amount of time. It was an incredible learning experience, and I was so proud of my team for finding messaging and iconography that connected with the greater number of voters," she says.
"I'm with Her," "Love Trumps Hate," "Deal me in"—the phrases that American voters saw explode on social media and rapidly make their way across websites, hats, shirts, buttons, placards, billboards, TV ads, bus wraps, media reports, late-night comedy, handmade signs, and into the common vernacular—were just a few typographic expressions of the coherent visual language that Kinon and her team created and maintained.
Kinon has been back at OCD for almost a year now and has mostly readjusted from the nonstop frenetic pace and addictive energy of a national presidential campaign. But she is still sorting through the lessons learned, still processing the experience and its bitter culmination. In retrospect, she says, a few takeaways float to the top.
"What was most important to me was my team. Working with them made me a better person and a better designer. Nothing good or effective would have been made without them."
A second lesson, she says, is don't be afraid of taking a chance. "We lost. I am heartbroken and I feel great responsibility, but I do not regret saying 'Yes' to this job."
August 17, 2017


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10K yellow gold framed Continental oval portrait miniature watercolor of lady in red gown, red beads and fancy headdress. Unsigned. 1-5/8" x 1-1/2" W. 15.2 grams total weight. Circa 1840. Provenance: The estate of Dr. Benjamin H. Caldwell, Nashville, Tennessee. CONDITION: Some surface scratches on glass. Pin attachment is later replacement.