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When it comes to real estate trends, no one knows them better than Jed Kolko. I say that not because I have been to dinner with him, and met him at Inman & NAREE several times while he was Chief Economist and VP of Analytics at Trulia, the online real estate site that merged with Zillow, until the middle of last year. He just really knows his stuff.
And Jed says that urban neighborhoods are not the go-to nirvana we have been told they are, with cities and vertical living shooting up faster than the suburbs are spreading. You know we hear how downtowns are booming — in fact, the Dallas City Council just voted unanimously on a resolution dictating that Dallas Area Rapid Transit (DART, of which Dallas is a member) build a second downtown rail alignment (D2) as a subway, NOT a light rail train, because it will be less disruptive to the downtown landscape. Who cares about a train from Plano to DFW? Dallas focused on developing a great Arts District near downtown in anticipation of downtown, art-loving residents. And developers built luxury apartment after luxury condo in anticipation of the droves coming to the urban center like a pilgrimage.
Uh, actually not, says Jed:
In recent years, numerous studies and media reports have documented that college-educated young adults have been drawn to urban centers. At times some have claimed a broader demographic reversal in which cities grow faster than suburbs, and even the end of the suburbs.
The suburbs are the ones growing –like Frisco:
The share of Americans living in urban neighborhoods dropped by 7%, from 21.7% in 2000 to 20.1% in 2014. Even looking at only the densest urban neighborhoods where about one-third of the urban population lives, the share of Americans living in these neighborhoods fell by 5%, from 7.4% in 2000 to 7.0% in 2014. (See note at end of post for details on data, methodology, and definitions.) Headlines about educated young adults flocking to Brooklyn and San Francisco aren't wrong – but they are far from the whole story and are unrepresentative of broader trends. Other demographic groups are suburbanizing faster than the young and rich are piling in to cities.
Who is piling into the cities? Children of the rich, whose parents or trust fund checks support them and the higher cost of living, or rich, young, educated Whites without school-age kids.
People, says Jed, are not urbanizing: money is.
Urban neighborhoods – especially higher-density urban neighborhoods – grew richer between 2000 and 2014. But only higher-income households became more urban over these years. The poorest tenth of households was 12% less likely to live in urban neighborhoods in 2014 compared with 2000, and 17% less likely to live in higher-density urban neighborhoods. In contrast, the richest tenth of households was 12% more likely to live in higher-density urban neighborhoods, and only 1% less urban overall in 2014 than in 2000. The top four income deciles were all more likely to live in higher-density neighborhoods in 2014 than 2000, while none of the bottom six were.
Oh and don't look towards seniors to fill in those urban dwellings. Seniors, says Jed, are becoming significantly less urban.
All age groups 65 and older were at least 10% less likely to live in urban neighborhoods in 2014 than in 2000; that's true for the high-density urban neighborhoods, too. Unlike young adults, the decline in urban living among older adults is similar for those with and without college degrees. And, unlike for young adults, the decline in urban living among older adults is generally steeper for those with higher incomes.
Now why would that be? Taxes, perhaps? Why would a retired couple living on a fixed income of $45,500? That's the average income Baby Boomers say they want to live on in retirement, which requires at least $1.1 million in retirement savings. But a recent BlackRock survey indicates the average pre-retirement baby boomer (55-65 years old) has only $136,200 saved for retirement. Hello, that's like $10,000 a year. You would need two to four million in investments to live in a high tax, higher cost urban area.
So Boomers are going suburban to stretch those dollars. Or maybe to be closer to their grandkids. In any case, Jed says that "prior to the trends of the 2000s, older adults were already less likely than younger adults to live in urban areas. Therefore, the least urban age groups have become yet less urban. Even those who have recently moved and those who are in the position to afford expensive urban housing are increasingly living outside of urban neighborhoods."
All great stuff to know when you think about buying investment real estate.


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Please review the Exhibitor Set-up details on this page and within the Quick Links. Be sure that anyone else in your organization who is involved with the Expo does the same. If you have any questions please contact us at email@example.com. To download and print a PDF version click here.
Please note the set-up and tear-down hours which must be observed by all exhibitors. Not only is this crucial to the success of the Expo, but to each and every exhibitor's participation. It is more costly when you are late (labor overtime charges), but more important, a shabby presentation during opening hours hurts the rest of the Expo and jeopardizes its, and your, success. Conversely, it is strictly against BEWI policy to breakdown and vacate your booth before the expo closing time. Doing so also hurts the expo with a poor presentation, and shows great disrespect to the consumers who have paid to come to the expo and visit your booth. Please note that any exhibitor who moves out early will forfeit any preferred locations on the floorplan for future expos.
- Move-in Hours
Thursday, October 24 - 2pm to 6pm
Friday, October 25 - 8am to 11am
Exhibit materials should be brought to the Colorado Convention Center via the truck ramp at the north side of the building at Champa St. and Speer Blvd., where you will be directed to a place to unload your vehicle. To ensure the Expo is ready to open on time all entrances will close at 11am on Friday, ONE HOUR before the scheduled 12 noon opening time. PLEASE NOTE: Exhibitors are responsible for timely arrival, and no refunds will be made for unoccupied booths due to late arrivals or inability to get material into the Hall. If you would like the opportunity to drive your vehicle to, or close to, your booth to unload you MUST arrive no later than 9:30am on Friday. If you have any special requirements, please call Brenda Doll at (781) 890-3234 x103 or Christine Donovan at (781) 890-3234 x102 or email email@example.com.
- Open to the Public Hours
Friday, October 25 - Noon to 10pm
Saturday, October 26 - 10am to 8pm
Sunday, October 27 - 10am to 6pm
- Move-out Hours
Sunday, October 27 - 6pm to 10pm
All materials must be removed from the hall no later than midnight on Sunday.
All standard booths are 10' wide and 10' deep and come with an 8' draped back wall and 3' draped side rails unless noted differently on the floorplan. If you require carpet, a 6' draped table, and chairs, we recommend purchasing an Accessory Package, available only in advance through BEWI. The cost is $275-500 per booth (depending on the options you chose), and represents substantial savings over the cost of renting each item separately from Freeman Decorating. If you have already ordered an accessory package from BEWI, these items will be waiting for you in your booth. Accessory Packages must be ordered through BEWI in advance, no orders will be accepted on site. Check your invoice by logging in to your account to verify if you have ordered a package. If you did not order the package when you submitted your contract, you need to submit your order in writing at least two weeks prior to the expo--email your request indicating what accessory package(s) you require. A confirmation email will be sent and you will see a revised invoice under your account.
Ordering information for additional furnishing, material handling, electrical & telecommunications can be found below. Shipping must be coordinated through the decorator and no shipments can be made directly to the convention center unless coordinated through Freeman Decorating. We strongly advise ordering your exhibit requirements in advance to SAVE MONEY and avoid the last minute rush!
- please note the early order deadlines on the order forms, which are generally at least two weeks before the Expo opening date.
Freeman Decorating Company
4493 Florence Street, Denver, CO 80238
(303) 320-5100 / Fax (303) 329-6710
Click here for online ordering of additional booth furnishings*, material handling, etc. If you have specific questions please call the number above and speak to someone in Exhibitor Services.
*If you have ordered an accessory package (carpet, table, chairs) through BEWI when you booked your booth you do not need to contact Freeman unless you required additional furniture or will be shipping materials to the Expo. If your booth is part of a larger group please DO NOT order carpet directly from Freeman unless you have specifically been instructed to do so by BEWI or your group coordinator.
Denver Convention Complex-Exhibitor Services
700 14th Street, Denver, CO 80202
(303) 228-8027 / Fax (303) 228-8101
Every Vendor is required to provide at least 4 weeks prior to Expo date a certificate of insurance naming BEWI Productions, Inc., as additionally insured Comprehensive General Liability, on an occurrence basis, with a limit of at least $1,000,000 each occurrence. BEWI provides NO insurance coverage of any kind to the exhibitor and each exhibitor is responsible to insure their own property while at the Expo and while in transit to and from the Expo. Click here for a sample COI. PLEASE EMAIL COI'S TO email@example.com OR MAIL TO BEWI OFFICES.
If your company does not have the required coverage you can obtain it through a basic group policy for $65 by applying here.
Just a reminder: If you have not paid your booth fee you will not be assigned a location. Please check your invoice status in your account and ensure it is paid in full by the deadline. You can pay by credit card under your account. Call if you have any questions or problems.
Should your exhibit include any vehicle or other oversized item (i.e. gondola, grooming machine) that may require special consideration getting it into the hall and to your booth space, you must notify BEWI at least 2 weeks prior to the move-in date so that we can be sure to confirm with you the details of how and when you may move the item into the Expo. The item will likely need to be moved into the hall Thursday morning, earlier than the published exhibitor move-in times. There are also regulations mandated by the city which require less than 1/4 tank of gas, a locking gas cap, and disconnected battery for any vehicle which is part of an exhibit. If such an item is brought to the exhibit hall without prior approval and does not meet the regulations, it will be turned away and not allowed to be brought into the hall.
Please be aware that the Colorado Convention Center is a union hall. You may be required to hire union labor to set up your booth or move items to your booth, depending on the size and complexity of the display. Please refer to the information from Freeman Decorating, which outlines the specific requirements.
If you have any materials that need to be shipped to the expo you may ship them to Freeman's warehouse ahead of time or c/o Freeman at the Convention Center for arrival on Thursday, but be prepared to pay drayage charges to the decorator. Details for shipping, including addresses and deadlines are available on Freeman's website. Shipping deadlines are also listed on the Exhibitor Checklist. Another option you may want to consider is to have items shipped to your hotel and hand carry them into the exhibit hall. While this may not be feasible depending on what is being shipped, it is the only way to guarantee that you will not be charged a material handling fee by the decorator.
If you are interested in sampling food or beverage at your booth please click HERE for the Colorado Convention Center food sampling information and forms.
ADVERTISING: For information on advertising in the Expo guide, published in The Denver Post the Sunday before the Expo, please click here or contact:
Chris Dolge, Adtaxi
303.954.3380 or email@example.com
For information on advertising in The Denver Post's Winter Getaway's Guide, published on October 20th, click here.
PROMOTIONAL PRODUCTS: Looking for promotional products for your booth (or company)? Bags, pens, pins, magnets, stickers, t-shirts, bandanas or water bottles? Betsy Brauer (Expo Will Call Staff in Boston ) is a distributor of all kinds of giveaways for your booth or employee promotional needs/apparel and would like to help with your needs for the shows. Please check out her company's website at www.strategiesltd.com or contact her at 1-800-919-0949. Betsy has been in the ski industry for many years. She will have ideas and competitive pricing for your promotional products needs.
Pursuant to the terms of your Contract for Exhibit Space you have agreed not to sublet or apportion space within your exhibit area at the Expo to anyone, or to promote the interests of any other company or organization other than your own. This includes, but is not limited to, automobiles and credit card companies.


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Whether it's a celebratory night out, or just getting together to watch the big game—you'll feel right at home at McManus. All are welcome, and though the dining room operates on a first-come, first served basis, with enough notice - we do take reservations for large parties.
We can accomodate groups of 12—150, and our event team will happily work with you to tailor the party to your needs. McManus is the perfect spot for that "Big" birthday celebration, bridal or baby shower, going-away bash, comic-con costume party, company holiday event, or "Just-because-it's-Wednesday" party. (Trust us - we've done it all!)
Thinking Outside the Office!
Sometimes the conference room just doesn't cut it. If your business is located in Chelsea, how about shaking up the routine and holding your weekly morning brainstorming session in the backroom at McManus? (We can provide coffee, juice and doughnuts...and maybe even inspiration.) Entertaining a client from out of town? How about lunch/cocktails at McManus with a little bit of New York City history thrown in for good measure?


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Manipulatives- Catering to a child's unique abilities
Kids have different learning styles and abilities, so it's important to support their individual needs. Our extensive collection of manipulatives offers you the tools to help reach, teach and delight all children, at whatever stage they may be. We carefully select manipulatives that help kids learn at their own unique pace and while giving them the guidance to reach their fullest potential.
Read on for special needs testimonials to help you find the best games and tools to help children achieve success in performing everyday activities.
Tactile Smart Snacks Alpha Pops Have you ever had a french fry or mango mustard flavored popsicles? As soon as we started that game of coming up with goofy flavors, my daughter caught on to the alphabet. We started saying things like, A is for Apple flavored popsicles. Now we try to come up with the craziest names using both letters to encourage her to see and learn the upper and lower case letters.
My daughter is 4 years old and has Down syndrome and apraxia. Because of apraxia, she has a hard time forming the sounds and saying words. There are a few reasons why I like these Alpha Pops so much. They are real toys to play with. We can use them like flashcards, but because they are popsicles, they are more fun and certainly more inviting to my daughter. The upper and lower case letters match in color to help provide a visual cue. And, they require a little strength to pop them together and pull them apart. This gives her some practice using and strengthening her fine motor skills.
Besides naming flavors, we'll sing the alphabet song and use two popsicles as our drum sticks to tap out the rhythm. My daughter's speech therapist likes this because she is gaining practice in saying the consonants and vowels, verbalizing the letter sounds and also repeating words we say.
-Colleen K., Mother of 4 year old Grace who has Down syndrome and apraxia, Chicago, IL
Basic Concepts Shape Sorting Cupcakes Shape Sorting Cupcakes are perfectly yummy for language learning and as a speech therapist, great for stimulating kids to "get talkin'." These little cakes are a motivating tool to spark oral language ranging from dialogue about colors, shapes and sizes to exploring conversations of flavors. Blue frosting might taste like blueberries and pink frosting might taste like strawberries.
I like to practice alliteration as a warm up activity with the Shape Sorting Cupcakes. For example, if the client picks the blue cupcake, they can start to warm up with a sentence using the letter 'B' like, "Barry bakes blueberries in bundts." This gets the students laughing and loosened up for the rest of their speech session.
As a final activity before the end of the session, I like to do a competition to see who can name a color or shape attribute of each cupcake the fastest- client versus therapist! Using appealing products and engaging in fun activities to practice speech and language makes the sessions go by fast- neither a bore nor a chore!
-Bree M., SLP (Speech & Language Pathologist), Chicago, IL
Language Conversation Cubes Conversation Cubes are fantastic icebreakers for my autism centered social groups. The groups offer kids with autism a place to practice their social skills with other kids that have autism and/or typically developing peers on a weekly basis. Our groups thrive on structured activities to guide social skills. The Conversation Cubes offer a fun formula for "getting to know you" questions- "When is your birthday?" and "Do you have a pet?" The cubes also offer more thought provoking questions like "What is your happiest memory?" which may trigger dialogue about a recent happening or a past family vacation.
Children with autism benefit from practice and repetition. The groups follow the same format each session so that when in social settings they are prepared and have appropriate social etiquette. The kids look forward to utilizing the Conversation Cubes as part of our opening activities with a different partner each week. Partners could be a peer with autism, peer who is typically developing or even a staff member.
It is exciting to see my kids be able to meet and greet others and practice what they learned with family members and friends. The repetition, practice and structure of the groups help lessen the anxieties of social settings and greetings.
-Olivia L., Child Psychologist, Chicago, IL
Fine Motor Mental Blox As a Developmental Therapist, I really like the versatility of this toy. Visual learners love the bright colors and patterns and also matching the images on the cards. Tactile learners like the shapes and balancing the blocks as they build and hone fine motor skills. The questions on the cards encourage literacy and add an element of thinking that keeps kids mentally alert. Blocks are also known to help kids learn spatial and basic math skills through problem solving!
This game is versatile too! Children can play this independently, but I can also use this as a game of friendly competition between siblings to include them into the therapy session too.
This set expands the concept of building blocks by making them multi-functional and creates a mental game as well.
-Marcia H., Developmental Therapist, Bristol, IN
Math Smart Snacks Count 'em Up Popcorn Count 'Em Up Popcorn has realistic, large popcorn pieces that are easy to grasp for little hands. Our son is delayed in his cognitive development and the popcorn set allows us to visually sort and tactilely count the pieces to help him understand numbers and beginning math. Joshua likes to serve up the popcorn to us according to the number on the bowls. There are enough pieces that each bowl can be filled with the designated number of pieces- which is great to eliminate frustration!
Beginning math skills can be incorporated into pretend play. For example, we will ask Joshua to bring us a bowl of five pieces of popcorn and only eat two. We can then ask him how many were eaten when he comes back to take the bowl back to the "kitchen." This merges math into play and he doesn't feel like he is being quizzed! We have also lined up the popcorn bowls from biggest to smallest and tossed the popcorn pieces into the bowls like a game of skeeball. It's a fun way to clean up the set when we are finished playing!
Joshua loves the Count 'Em Up Popcorn set! He enjoys playing pretend and we can discreetly sneak in beginning math too.
-Bill & Amy T., parents of 4 year old Joshua who has cognitive delays, Chicago, IL
Sensory Integration Family Counters This Family Counters kit is a great toy and tool for me to use as a Child Life Specialist when working with children in a hospital setting. Kids really enjoy assembling their family around them, even if it's just pretend. Just talking about their family helps children remember that they have a support group! The addition of the pet opens up dialogues that get kids telling stories about their pet and the silly things they do at home. Before you know it they are smiling and laughing and I think that helps kids heal even faster!
A big hit is making up silly stories about each family member as a coping strategy during procedures like shots, IV's and even scans. I place the child's family pieces in a cup and shake them up. The child takes one out with his eyes closed and then we make up a funny day of events for mom, sister or cat! This game becomes a great distraction and helps to relieve some of the anxieties of treatments and being in the hospital.
I think the name of this product fits well because I see every day that family really does 'count.' This set gets kids thinking, counting and opening up to imaginative play. -Kerry B., Child Life Specialist, Chicago, IL


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A Host Operator or Processing System (HOPS) system is a key part of an ITSO-compliant smart ticketing deployment. It processes transaction data from customer ticket purchases and journey validations along with data from hardware terminals; including those at rail stations, on buses, on ferries, in retail stores and from online retail systems. It also manages the ITSO Secure Application Modules (ISAMs) installed in transit validation and retail devices.
Rambus HOPS has scalability options to support the basic needs of English National Concessionary Transport Scheme (ENCTS) customers all the way to the largest commercial ticketing deployments across the UK.
Download the product brief by completing the form on the right.


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Earlier this month Rosenblatt analyst Jun Zhang claimed that Apple would distinguish the cheaper model with a number of new color options, similar to the iPhone 5c: [SinceAppleeveryyearthreenewmodelsontheMarketBringsWeBelieveThecompanyneedstodifferentiatethedesignsoftheLCDmodelfromthetwohigh-endOLEDmodelssoareasonableoptionwouldbetoadddifferentcolors"
According to Zhang, the three color options of the 201
In other words, Apple is no stranger to hitting more flashy, vibrant colors on its products. At that time, when people really cared about personal music players, Apple released iPod Nano and later touch models in a whole rainbow of color options, including the aforementioned blue, yellow and pink. Of course, it's not hard to guess that if Apple is actually going to bring out new iPhone color options this year, they've gained, now looking at these devices with their not-so-high-quality aluminum builds and eye-seal finishes you're almost like that as colorful as what we've seen on iPods in years past. The times, they change … and how.
With everything we thought cool, if we let our imagination go for a while, imagine what the 2018 blue, yellow, and pink iPhone models would look like. Disclaimer : The 2018 LCD iPhone model is rumored The back of the iPhone X. However, the back of the case should be similar to the iPhone 8 to a large extent. These images are just to give a general look at the rumor the rumored LCD iPhone might look like in blue, yellow and pink, and are probably not representative of the front design of the phone.


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Commercial Cleaning at CCL
CCL Cleaning Group Ltd has been in operation for over 40 years. These 40 years of commercial cleaning experience mean that there is unlikely to be anything we have not previously cleaned, and if there is, we are certain we will have no problem tackling it. There is no job too big or difficult for us. You can count on us for an efficient and reliable service at a competitive price without compromising the standard.
We are set up in Southampton but offer our services right across the country. We have worked with many local and national well-known companies, local authorities, county councils, and health trusts. You can trust us to deliver a high quality and reliable commercial cleaning service. Contact us now on 0800 074 1688.
A Wide Variety
There are many reasons why CCL Cleaning Group Ltd is the best cleaning service in the UK including that we offer a wide range of services. We are confident that there is no job we cannot do We have lots of experience cleaning all different types of commercial places including:
- Offices
- Retail units
- Restaurants
- Bars and clubs
- Theatres and cinemas
- Universities and Schools
- Medical centres including Dentists
- Sports facilities
- Galleries and venues
- Laboratories
- Large commercial premises and warehouses
- Local authorities and county council buildings
This list is non-exhaustive so do not hesitate to contact us with a new commercial cleaning project.
Our Cleaners
A key to our success is our professional and friendly cleaners. All our cleaners are friendly, hardworking, reliable, and they will work in and around your business needs. Our service ensures that there will as little disruption to your business as possible. Our cleaners fully COSHH trained. COSHH stands for 'Control of Substances Hazardous to Health' so you can rest assured that there will be no hazards to yours or your employee's health created by a member of the CCL team. We also train all the staff concerned, on your site operation including fire routes and assembly points, accidents and who to contact in an emergency.
Save yourself the hassle of hiring your own cleaning staff and use our reliable and friendly workers. Contact us now for more information on 0800 074 1688.
The Process
At CCL Cleaning Group Ltd we have put together a structural hierarchy because we understand that commercial contract cleaning usually requires a strong need for regular supervision and reviews. As well as the cleaners, we also have account managers who have regular interactions with you or your team to ensure that an excellent quality of cleaning is being maintained at that you are happy with the contract. Area supervisors will also communicate with you and the account manager to make sure the contract is being met. Onsite supervisors manage the cleaners daily to ensure standards are being kept at the highest levels. Finally, we have an account care team who are office based and there to help answer any queries 365 days a year. They are easily contacted via email or telephone and are a quick and efficient way of acquiring help.
You will not find many other commercial cleaning companies with a team and process as dedicated as ours to delivering a high-quality service.
Health and Safety Policy
CCL Ltd understands that a health and safety policy is an important part of all businesses. We offer our own health and safety policy which will be tailored to your unique requirements, conditions and onsite health and safety policy. CCL Cleaning Group Ltd strive to be at the forefront of health and safety as one of our key business aims. Our staff will be trained on your site operation including fire routes and assembly points, what to if there is an accident, and who to call in an emergency. The process will be much quicker than hiring your own cleaners and training them on this. Trust us and save yourself time.
A Benefit to Your Business
There is plenty of evidence which suggests a clean workspace increases productivity. Our cleaners are available to clean at whatever time you need them to, day or night, 365 days a year. There does not have to be any disruption to your business and your employees could return to work the next day to a freshly cleaned space. A clean business is also key to gaining returning customers. First impressions can be difficult to change so make sure yours is the right one by presenting a clean and tidy area.
Illness can be a financial drain on businesses. Germs and infectious diseases are easily spread through many different workspaces. For example, germs can live on desks, computer keyboards, chairs, and other surfaces if they are not cleaned regularly. CCL will work in partnership with you to help minimise the spread of germs through regular cleaning of all areas paying specific attention to those areas with higher germ levels. We will work with you to advise you on the cleaning areas you should be asking us to focus on and these will form part of your contract with us.
Another area which CCL Cleaning Group Ltd are happy to take off is any TUPE. If you need to transfer of your current cleaning staff to work for us directly, we have years of experience in this sometimes complicated process so can take care of it for you. We will liaise with your current cleaning contractors to obtain the information needed to make this transition easy and to cause the least amount of disruption to your cleaning service as possible.
We have the expertise to engage in comprehensive cleaning solutions for all types of commercial businesses. Do not hesitate to contact us to see what we can do for you.
Our Products and Our Eco-friendly Policy
At CCL Cleaning Group Ltd, we never run out of our cleaning products because we have a warehouse with a comprehensive range. We also have strong relationships with all of our suppliers and this gives us unique buying power enabling us to keep our prices as competitive as possible. Have no doubt that your space will be cleaned on time, every time.
We are committed to minimising out negative impacts on the planet and acting in a sustainable way. Therefore, we stock a full eco-friendly range with biodegradable chemicals only. 87% of our cleaning products are biodegradable. As well as reducing harm to the environment, these products also reduce health and safety hazards because they are safe to use in all environments without affecting your teams or customers health. The products we stock which are not eco-friendly is only because eco-friendly versions do not yet exist and we are working with the suppliers to try and change this.
Value For Money
CCL Cleaning Group Ltd offers competitive prices without compromising the standard. We are the best commercial cleaning group in the UK so our service will be excellent value for money. Contact us now on 0800 074 1688 and we can arrange a quote for you.
Ben is an authority on commercial cleaning across a wide range of sectors. As a well respected, experienced professional within the industry, his expertise gives him the ability to produce valued content that informs readers.


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News Clips
Apple Announces Streaming Music Service
By Reuters | Jun. 9, 2015 | 1:14
Apple's chief executive, Timothy D. Cook, and its head of software and internet services, Eddy Cue, announced the company's new music streaming service on Monday in San Francisco.
PlaylistUp Next in News Clips
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Fact Sheets
How Do Managed Forests Contribute to Reducing Climate Change?
Forests play a critical role in mitigating greenhouse gas (GHG) emissions through carbon sequestration and other processes. Productive forests that are managed to produce products that store carbon and replace fossil fuels most often have greater long-term carbon benefits than forests left unmanaged. The temporal and spatial scope of forest carbon budget assessments greatly influence conclusions drawn in published studies. Substantial but often overlooked carbon benefits also accrue when active management reduces the potential for wildfire and other disturbances, and when markets for wood create incentives that reduce conversion to urban development or to other land uses with substantial and permanent carbon impacts.


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Bus from Indore to Dakor
A convenient mode of travel while commuting from Indore to Dakor is by taking a bus. The time taken to complete the bus journey is dependent on traffic, roads and climatic conditions.The bus companies adopt safety measures while running their buses from Indore and Dakor. The smooth availability of bus service creates travel convenience for many people travelling from Indore to Dakor.
If you are also looking for return checkout, please ensure to check Dakor to Indore Bus.


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One of the simplest analytical tools available to private and professional investors is the PE ratio. It is easy to calculate, easy to use – and easy to abuse! It can be the investor's friend if used wisely, but this in turn implies a solid understanding of both its possibilities and pitfalls.
To understand the issues around the PE ratio we need to look at it in more detail. Firstly, it can be calculated by dividing the market price per share, by the bottom-line accounting earnings for that share. So if 'Investco' is trading at R50 per share and its earnings per share are R5, the PE ratio will be R50/R5 = 10. Also, by dividing 100 by the PE ratio, we can calculate the percentage return that the share will earn us at its current price (The 'Earnings Yield'). In the case of Investco, this would deliver an earnings yield of 10%.
So in the first instance, by calculating the PE ratios of shares we are interested in, we can rank them on the basis of their PEs. The lower the PE the better, because looked at slightly differently, PEs tell us how much we must pay for every rand of earnings. In the case of Investco, a PE of 10 means that we are paying R10 for every R1 of earnings. But if Budgetco, a similar company in the same industry as Investco, is trading at a PE of 8, all other things being equal it would be a better investment at just R8 per R1 of earnings. Or, alternatively, it would deliver an earnings yield of 100/8 = 12,5%.
Potential pitfall #1
The astute reader might have noticed that the PE ratio depends on two different types of measures. One is a market-based measure (i.e share price), whereas the other is an accounting-based measure (earnings per share). And herein lies our first potential problem; research shows that in many instances there is no strong correlation between accounting earnings and market price.
There is, however, a strong relationship between free cash flow per share, and market price. Free cash flow (FCF) is the cash profit left over after the necessary replacement of fixed assets, and/or after any increases in working capital. Free cash flow can be used to pay off debt, pay dividends to shareholders, and/or invest in new assets to grow the business.
FCF is real, tangible surplus profit as opposed to accounting profits, which may be the result of manipulations by cleverly creative accountants. Where accounting profits are very similar to free cash flow, (and where the company produces stable annual earnings), then the PE ratio is a good indicator of the true value of a share. However, where annual accounting profits differ considerably from annual FCF, any value calculation must be treated with caution.
Growth shares
Ranking shares on the basis of their PEs might work well for companies that produce stable annual earnings and have stopped growing, but it gets a bit trickier when we factor growth into the equation. One of the first things that beginner investors learn is that high-growth companies have high PEs. What we mean specifically by high-growth is that these companies are growing their earnings (profits) quickly, so that next year's earnings are expected to be higher than this year's, and in the year after that, higher still.
Because we expect higher earnings in future, we are prepared to pay a greater multiple of current earnings now. So if 'Growco' also has current earnings per share of R5, it might have a current share price of R100, based on its growth prospects. These growth prospects would be signalled by its PE of 20 (R100/R5). So how do you know if a high-PE company is worth investing in? To answer this question, we need to look at…
Potential pitfall #2: Forward PEs
Sell-side analysts are fond of downplaying a share's high PE (and high price) by calculating a 'Forward PE'. We can understand this by considering the example of Growco, with its PE of 20 and current earnings per share of R5. However, analysts might point out that Growco has a forward PE of just 12.5, which is (say) in line with or slightly above the sector average.
This implies next-year earnings of R8 per share, a 60% increase on the current year (R100/R8 = 12.5). We have assumed a one-year forward projection of earnings, but forward PEs can be based on one-year or even five-year forward-earnings projections. And of course, the further into the future the projections, the more uncertain their accuracy.
Behavioural economist Daniel Kahneman has shown that overconfidence, and an under-appreciation of the complexities of their environment, cause most financial analysts to produce very poor forecasts of the future. So if forward PEs are questionable, how can we determine what a company's PE should be? We'll look at this question next.
Calculating expected PEs
Three factors drive a company's PE ratio: The rate at which it can grow its annual earnings and FCF; the percentage return it can earn on new capital invested into the business (i.e. reinvested profits); and the rate of return required by the company's shareholders (its cost of capital).
To illustrate this point, let's take the example of Excello and Slowco. Both companies have the same cost of capital, i.e. 10%, both grow their annual earnings and cash flow by 5%, but Excello earns 20% per annum on reinvested profits, compared to Slowco's 10%.
To calculate their PEs, we can use the following formula:
PE = 1 – g/r
k – g
g = the long-term growth rate in earnings and cash flow
r = the rate of return earned on new investment
k = the company's required rate of return on equity (cost of capital)
It can rightly be argued that the long term growth rate in earnings and cash flow can be difficult to forecast, and that the above method might be better suited to experienced and suitably qualified financial analysts. However, relatively unskilled investors might still be able to make use of trailing (rather than forward) PEs to identify promising shares.
Trailing v forward PEs
Experienced financial analyst Joachim Klement of the CFA Institute has investigated the difference between trailing and forward PEs. In a recent study, based on shares underpinning the indices of the USA's S&P 500, the UK's FTSE 350, the Euro StoXX 300, and Japan's Nikkei 225, Klement chose 20% of stocks with the lowest PE ratios, and 20% with the highest PEs.
Going back monthly for twenty years, he then compared the monthly returns of the two groups. He first of all used trailing (historic) PEs, going back 12 months, then switched to forward 12-month PEs. Forward PEs were based on consensus earnings forecasts extracted from the Institutional Brokers' Estimates System.
On all four exchanges, the cheaper stocks chosen on the basis of trailing PEs, outperformed the more expensive stocks selected on the same basis. And in all cases, the outperformance was greater than that obtained by cheap versus expensive stocks, chosen on the basis of forward PEs.
Although Klement did not test the South African market at all, a respondent to his online article noted that he had conducted a similar study on the JSE, starting in the 1960s, and had produced results which were 'in broad agreement' with Klement's findings.
The PE is a quick and user-friendly means of assessing a share's value. However, low PEs can indicate value or a company in trouble, whereas high PEs can point to exciting growth prospects or an over-valued company. In all cases, PE evidence should be followed up by a more in-depth analysis of the companies concerned. And remember, whatever else you do, don't rely on forward PEs!
AJ Cillers
AJ is an academic and a freelance financial journalist who has written for Sharenet for some 15 years. He spent 25 years as an accountant and financial manager in various South African companies before moving into academia. He has a broad range of interests, including all aspects of business and stock market investing. Apart from a bachelor's degree in Accounting, AJ holds a Master's degree in Financial Management. He is also a Fellow of the Chartered Institute of Management Accountants.


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SOLD OUTAmpelos 2006 Pinot Noir
Featured in our Pinot Noir Wine of the Month Club
- Central Coast
- Santa Barbara County region
- 92 Points — Wine Spectator
- 91 Points — Wine Enthusiast
- 90 Points — Stephen Tanzer
- Grapes
- 100% Point Noir
- Aged
- 18 months in oak
- Cases Produced
- 1059
Ampelos Cellars' 2006 'Lambda' Pinot Noir comes from the winery's estate vineyard in the Santa Rita Hills appellation of Santa Barbara County. Light garnet in color, this Pinot shows vivid black cherry aromas with hints of baking spice and faint oak. Bountiful red fruit flavors of cherries and raspberries dominate on the palate with underlying notes of cola, exotic spice, gingerbread and warm earthiness. Soft, smooth, and elegantly framed by fine tannins and a good grip of acidity, this Pinot was awarded 92 Points by Wine Spectator and 91 Points by Wine Enthusiast. It was given the name Lambda (a cosmological constant) because it will be produced each year and it reveals the magnitude of the vineyard. Both the Burghound and Steven Tanzer awarded the stunning Pinot 90 Points. Enjoy!


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Let's do it.... Come and Fly with us!(See Details Below)
NOTICE: Redeeming Vouchers.
Regular flying operations may be limited at times due to limited availability of instructors.
Note: Maximum weight for a person in any glider is 110Kg. Combined weight of passenger and pilot can not exceed 184Kg. If you are over 95Kg you will need ensure one of our lighter instructors is available to fly with you.
Vouchers can be redeemed on any day that the club flies. The club usually operates on Thursdays and weekends. However, please note that flying operations are dependant on weather and availability of club members to instruct, operate the winch for launching and the operations base for control of launches. Usually, we will make a decision one or two days before a scheduled flying day as to whether we will fly or not. Please contact the CFI or club Secretary, or club house phone to check whether we are flying on any particular day.
Purchasing your Air Experience Flight
When you purchase the voucher below, please include your name and contact details, and the name of the passenger in the additional text section.
We will then Email your voucher to the email address you specify in the transaction details. The transaction receipt number on your voucher is used to redeem the flight so bring a copy of this, either printed or on your mobile or tablet when you come to fly.
*** If you purchase the AEF Voucher online you should include the passengers name and your mobile phone number in the checkout notes in the PayPal screen. We will then email your voucher to you. A printed copy or digital copy on your mobile or tablet can be used to redeem the flight.
Buy your AEF gift voucher now ("Buy Now" button above)
To Pay for a Winch Launch Air Experience Flight On The MANGROVE MOUNTAIN Airfield:
---- Use THIS Option ONLY IF PAYING ON THE DAY YOU FLY ----
SPECIAL SINGLE Air Experience Flight 25th August 2019 ONLY: single flight only!
---- Use THIS Option ----
If you require further information, please call Julio on
0431 113 960 ( Club Secretary)
or Graeme on
0414 635 9047 ( Club CFI)
An Air Experience Flight
It's a real experience...
Your AEF will introduce you to thrills of a winch launched glider for just $140.
Releasing off the cable at around 1500ft above the airstrip, you will experience the true freedom that comes from the sport of gliding as you ride the rising columns of air that keep the glider aloft.
Take in the sights and feelings of what it is like to soar in the sky before touching down at the Mangrove Mountain strip ... and ...
YES, our AEF instructor will let you handle the controls - if you want to - a perfect introduction to learning to fly if that is what you are interested in doing.


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Member News
ATTENTION IDEALCARE MEMBERS: The recent changes to CHIP and Medicaid for Sendero do not affect your healthcare coverage through IdealCare. Thank you for being an IdealCare member.
Fall Movie Nights
Q4 Member Newsletter
Back to School Event 2019
Explanations of Benefits (EOB) Update
Q3 Member Newsletter
Community Event: 06/15/2019 – 06/16/2019 Univision Copa
Q2 Member Newsletter
Q1 Member Newsletter
Winter Newsletter


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Accounts PayableListed two days agoat Veritas Recruitment
This is an exciting permanent opportunity for an experienced Accounts Payable Officer to join a family friendly team based in Blacktown.
This is a Full Time joblocation: SydneySydneyarea: Parramatta & Western SuburbsParramatta & Western Suburbs$50000.00 - $55k p.a. + superclassification: AccountingAccountingsubClassification: Accounts PayableAccounts Payable


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FIFAWYCJapan U20 VS Korea Republic U20, Japan U20 is trustworthy
Match Time:6/4/2019 23:30 Tuesday (GMT+8)
FIFA U-20 World Cup -- Japan U20 VS Korea Republic U20
Livescore | Match Prediction & Tips| Asian Handicap Odds|Line-ups& H2H Stats
Match Analysis:
Japan U20's performances in FIFA U-20 World Cup are quite stable. They remained unbeaten in last 3 games on group stage, including drawing Ecuador U20 with 1:1, defeating Mexico U20 with 3:0, drawing Italy U20 with 0:0 in last game.
Since the first loss to Portugal U20 in first round, they beat South Africa U20 with 1:0 in second round, and in last game against Argentina U20 who has been promoted in advance, they won with 2:1, showing outstanding forms.
Odds Analysis:
Neither of them could take the upper hand in past h2h games, so the handicap first odd is Japan U20 -0.25, medium return, which is tending to Japan U20. So Japan U20 will be trustworthy in this game.
Japan U20 VS Korea Republic U20
Handicap Pick: Japan U20 -0.25
[Livescore] [Soccer Results] [Soccer Fixtures]
(Disclaimer:Any views or opinions presented are solely those of the author and do not necessarily represent those of Nowgoal. We disclaim any responsibility and accepts no liability for any direct or indirect loss or damage arising from any inaccuracies.)


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Judge Eyes Sales Halted in Japan After Actor Drug BustReported on Tuesday, March 12th 2019
Sega of Japan have halted sales for the Yakuza spinoff, Judge Eyes. Actor Pierre Taki, who plays one of the main characters and provided his likeness, was arrested recently for cocaine use, and Sega have responded to the controversy by removing the game from Playstation Network and ending new shipments to stores.
The Japanese entertainment industry is notoriously cutthroat with actor scandals. Actor Hiroki Narimiya's career was ended after he was falsely accused of drug use, and his role in Yakuza 4 was replaced in the game's PS4 remaster. It is unknown at this moment if Sega plan to eventually rerelease Judge Eyes unaltered, or if Taki's likeness and voice will be removed from the game and replaced by another actor. It also remains to be seen how this will affect the game's localized release in the rest of the world, Judgment, which was planned for June 21.
Judge Eyes released in Japan on December 13. Taki also voiced Olaf in Disney's Frozen and another recently-released PS4 game, Kingdom Hearts III. Disney have yet to comment on how they will address the matter, with KH3 also still selling and Frozen 2 on the way.
UPDATE: Disney are evaluating the situation and determining if they will recast Taki in Frozen 2.
UPDATE 2: Taki's performance as Olaf will be patched out of KH3 and replaced.


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Women of color are the most impacted by global insecurity. For this reason, their leadership is vital to tackling these challenges.Read More
If the West Africa Ebola epidemic follows the history of past outbreaks, it is highly likely that it will become endemic to the subregion and subsequent outbreaks can begin at any time. In fact, errant cases of Ebola have continued into 2016. And we do not want a redux of the 2014 epidemic. Which is why it is troubling that Congress is debating whether to reallocate $350 million in funds designated for Ebola to contribute to the Zika fund.Read More
The Biological Weapons Convention is under pressure to move forward, but its future is uncertain.Read More


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IntroductionThe twin towns of Kawkaban and Shibam are located in Al Mahweet province (locally claimed to be the most fertile and beautiful in Yemen). Shibam (not to be confused with the city of the same name—320 mi/515 km to the east) lies at the foot of Mt. Kawkaban. It has an excellent Friday market, the 1,000-year-old Grand Mosque (inscribed marble pillars) and yet another style of Yemeni architecture and scenery. After seeing Shibam, ascend to Kawkaban (at the top of the mountain), which used to be a stronghold for the residents of Shibam. Kawkaban has interesting reddish architecture and an excellent view. Nearby Thula, a citadel-styled town, consists of well-preserved walls, stone-tower houses, narrow streets, aqueducts and unique concrete architecture. The three villages are usually seen as a long day trip from Sana'a. (Don't skip this—though it can be exhausting, it's worth it.) Also near Shibam is the mountain town of Al Mahweet. Beautiful scenery and friendly people make Al Mahweet a great place for trekking. 20 mi/30 km by road northwest of Sana'a.
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The remote certificate is not valid according to the validation procedureYour certificate is valid, but your issuer's is not, perhaps your issuer stopped its services like our did 3 months ago.
Hi Carlos, I finally deleted all the wrong commits by hand. Hopefully all the changesets numbers were consecutive (even all was mixed up in the timeline) so it was not that hard to detect them. There's a protection against two GitRepos to be synced on one Plastic repo, not against what I did by mystake : two PlasticRepos synced with the same GitRepo, moreover one of the two PlasticRepo was a submodule of the other PlasticRepo. Thanks for help
Hi Carlos, The sub-repo synced with github is OK, but it's the "parent" plastic repo that has been accidentally sinced with github mirror image of its child repo. There is no github image of the parent repository. Perhaps there's a way to detect all the commit that come from gitsync and delete them ? Sincerly Sam T.
Undo gitsync in Plastic SCM
Sam posted a topic in Git interopHi everybody, I'm afraid I did a big mistake on one of my repo. I have a repo called "My_repo_A" which has a XLinked sub repo called "My_repo_A_shares". This sub repo "My_repo_A_shares" is synced with a repo on github. But tonight, after a hard work week, I synced by mistake the parent repo "My_repo_A" with the same repo on github. That resulted in a warning like "the branches have to be merged before being able to push with gitsync again ...". Hopefully there are no problems on github, but in plastic a lot of commits are duplicated with different guid, and branches have two heads ... So ... the winner is me ! I know ... but is there a way to cancel a gitsync ? Thanks a lot for your help.
The remote certificate is not valid according to the validation procedureWe finally found the problem : the issuer of our certificate does not exists anymore, and its own certificate (that certify it was a trusted CA) was no more valid. I use the command : openssl s_client -connect dyn.my-sample-domain.com :8088 -showcerts That resulted on : verify error:num=20:unable to get local issuer certificate So we just regenerated a new certificate from another CA ( https://www.sslforfree.com/ that uses Let's Encrypt) and the problem was solved A huge thanks to Carlos from Plastic SCM support team, who gave me the keys to locate and solve this (not-Plastic) issue.
The remote certificate is not valid according to the validation procedureI confirm that the problem is also present out of office, directly without the host redirection. I will send a message to the support I'll keep you in touch
The remote certificate is not valid according to the validation procedureThanks for the precisions, perhaps this could help someone else on this forum. The "check connection" produces the same error message. I connect to my server with the domain name as I always did : ssl://dyn.my-sample-domain.com:8088 I will make another test out of my office (without the line in host file). At the moment the line is present, and ... the problem too ! I'll keep you in touch with the result of test. And, if there is no good news, I'll send the log file to support. Sincerly Samuel T.
The remote certificate is not valid according to the validation procedureHello, Sorry to be a little bit insistant, but I really need a solution. My small company is really impacted by this problem as we can't commit/checkout on one of our most used computer. Thanks a lot for help
Sam started following The remote certificate is not valid according to the validation procedure
Hello everybody, I suddently have a problem with one of my Plastic SCM client on Windows. Everything worked well, but since last week I can't connect to my Plastic server anymore. Nothing changes in server config nor in my client config, but now I've got this message "The remote certificate is not valid according to the validation procedure" (see attached picture). The server has an attached domain with a valid, not expirated, certificate. But, as my client is on the same network as the server and as my box can't do loopback (domain name pointing to itself) I have an entry in my client host file to redirect domain name to local server IP address. This worked for more than 3 years without problem. The only thing that happened last week is that I used my PC out of office, so I removed the redirect line in my client host file in order to do my commit through "real" internet. This also worked properly. But a few hours later when I restarted Plastic from my office again (with local host redirection), it began to display the error message. Server and clients were in version 22.214.171.12404, I updated my Windows client to 18.104.22.16868 but the problem did not disappear. Two other clients (on Mac) don't suffer from the problem and continu to reach the server without problem, locally or through internet. So my question is : is there a kind of certificate cache on Windows client ? ... Perhaps wrong data was cached when I came back to my office. I tried to clear windows ssl state in "internet options" but it had no effect. Any idea ?


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- 7 beds
- 3.5 baths
- $489,000 price
- 5964719 listing id
- Half Baths: 1
- Square Feet: 3,962 sqft
- Year Built: 2001
- Neighborhood: I-17 AND DYNAMITE
- Status: Active
Gorgeous 7 bedroom 3.5 bath two story home with 3 car garage and over 3,500 sqft . This home has it all! Sleek tile flooring, plush carpets, high ceilings, lovely tile mosaic in the front entryway, and a modern pallet wall feature in the family room. The bright and airy kitchen boasts a large kitchen island, polished counters, SS appliances, warm wood cabinetry, pantry and eye catching backspalsh. Upstairs you'll find a huge loft space that would make a perfect media room. An expansive balcony to watch those glorious desert sunsets! The sprawling backyard has plenty of room to run! RV gate, covered patio, lush green spaces, mature fruit trees and sparkling pool! Come fall in love today! Privately owned well for landscaping/pool which allows for low water bills on almost a 1/2 acre.
Courtesy of: RE/MAX Fine Properties
Office Phone: (480) 792-9500
Copyright Arizona Regional Multiple Listing Service, Inc. All rights reserved. Information is deemed reliable but not guaranteed.
Updated: 9th October, 2019 10:48 PM.
3133 W SILVER SAGE Lane Phoenix, AZ


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What People Say
"I have worked on motor fleet risk management projects with James for the last few years. Through that time James has taken a professional approach to our work and been an invaluable support and sounding board on motor fleet risk management issues."
North East Ambulance Service NHS Foundation Trust
We have found the Resource box very useful, it is time saving and provides all the details we need. The accident templates were particularly helpful and easy to use.
Dent Logistics
"James Wooldridge has carried out risk management work for clients of mine in the past. This has involved in depth analysis of Health & Safety procedures and a significant improvement in clients' risk management awareness and utilization. This in turn led to a surge in interest in underwriting their business and resulted in premium savings in the region of 30%. This percentage reduction in premium can be directly attributable to the enhancement in our clients' risk management activities."
Account Executive, David Roberts & Partners Ltd
I think all the information in the risk control resource box is great. It's relevant to my job role and relevant to the fleet industry. I've collated a lot of information from the resource box and used it to develop my own internal toolbox talks that I've delivered to drivers. It's been fantastic, thank you!
Fleet Manager, King Security Systems Ltd
"United Response provides support to people with learning disabilities and mental health needs in the community and in their own homes. James Wooldridge provided specialist advice and risk management guidance to the organisation; his expertise and guidance strengthened our identification and management of risk, both to staff and the people we support."
United Response
"James provides a range of risk management services that consistently deliver excellent results. James has a strong professional background in risk management and has both the understanding of the market and the personal qualities to foster productive relationships with clients and brokers. However what really distinguishes James from other risk management consultants is his creative approach to finding innovative solutions to real world problems."
Ace European Group
"James has provided advice and best practice guidance on a range of risk management topics appropriate to a complex business with sites located across the UK. We have built an excellent working relationship with James finding his expert knowledge, professionalism and enthusiasm to help us continually improve standards vital to the successful strategy of our Risk Management Department."
Group Risk Manager, Forest Garden Ltd
"I've known James for many years and worked on a project that involved James devising and delivering a suite of claims prevention services aimed at a range of UK business sectors. The proposition worked well and the businesses that used the services provided good feedback."
Liberty Mutual Insurance Europe Ltd
"Over a number of years James and I have worked with mutual clients. It has been clear that James has helped those clients to both prevent claims and be better placed to defend claims. James provides straightforward advice which is practical and aimed at reducing claims costs. Any business following advice from James should see a positive improvement in their ability to defend claims."
Partner, BLM Law
Over the last few years James and I have held regular motor fleet risk management meetings and James has provided support to me in introducing a range of risk management initiatives into Yorkshire Ambulance. These initiatives have helped the service dramatically reduce the time taken to report incidents and this has resulted in our organisation saving a significant amount of money on our motor fleet insurance programme.
"I've known and worked with James for 12 years, he is an excellent communicator, innovative and will challenge the status quo. I would not hesitate to recommend him to enhance any team looking to address risk issues and improve business performance."
QBE European Operations
We met with James recently to identify any improvements to our motor fleet risk management initiative. We came away from the meeting with some good ideas and a clear action plan to get us further down the route of reducing motor fleet claim costs. I would recommend anyone wanting to reduce their motor fleet claims costs to speak to James.
Risk Management Director, Synergy Health
We have used the readily available information in the Resource Box to provide refresher training and reminders that have benefitted our drivers. We have implemented a range of new procedures from the Resource Box including driver profiling, driver induction training and the drivers' handbook. We have seen a positive reduction in claims and the Resource Box has definitely assisted in this achievement.
Manager, RMS Goole Ltd
"Underneath James has all the technical knowledge and experience you'd expect from someone with a career built on years in insurance risk management and environmental health enforcement. However, what you really notice is his enthusiasm, his innovative approach, his can-do attitude and, above all, his friendly and professional manner. As much as anything else, working with James is great fun."
Senior Risk Engineer, XL Insurance
The resource box has proved incredibly useful in helping many of our clients improve their fleet safety approach and reduce their collision costs. Our analysis indicates that 8 out of 10 businesses that have received the resource box go on to implement the easy to use templates and policies and see a reduction in their fleet claims costs.
Specialist Business Resilience Manager - Motor, AXA Insurance
"I can recommend James for his expert knowledge, attention to detail, output and exceptional drive to deliver service excellence."
Director, Jobson James Insurance Brokers
I was a colleague of James for a number of years and over that time James worked with a range of businesses in the Construction and Contracting Sector. With all the businesses James has worked with he has developed a sound relationship and helped introduce practical and innovative initiatives that aim to prevent and mitigate insurance claims.
We have had two of our contract sites audited by James in the last couple of months. He took a detailed look at our health and safety management system and gave some really useful suggestions on how we could go further to preventing and defending liability claims. I'd recommend any contracting business to work with James to improve their approach to risk management.
"I have known James in a professional capacity for several years, I have always found him a very competent person in his professional area of expertise, he is knowledgeable, informative, a communicator and extremely experienced in his field of risk management . It is with pleasure that I would highly recommend James and his company to anyone who may be considering looking for someone who is professional, has integrity, and above all else completely honest in his dealings."
PC Harrington Group
As a new Fleet Manager in 2017 I received the AXA Fleet Risk Management box from our insurance brokers and have found it unbelievably useful. Although it was slightly overwhelming to realise all of the work I needed to put in to ensure our fleet was safe and compliant, the box covered every bit of information I needed to know.
Having it in both paper and Word doc format on a USB has also been fantastic, because when I'm learning I prefer to read from paper, not a screen. However with all the templates and toolbox talks etc. I can just edit them straight away and pop them on to our shared drive immediately for everyone to access. The box really does cover everything, in my view, that a fleet manager needs to consider, and although it will take me some time to work through it it's great to know I'm on the right path.
Having it in both paper and Word doc format on a USB has also been fantastic, because when I'm learning I prefer to read from paper, not a screen. However with all the templates and toolbox talks etc. I can just edit them straight away and pop them on to our shared drive immediately for everyone to access. The box really does cover everything, in my view, that a fleet manager needs to consider, and although it will take me some time to work through it it's great to know I'm on the right path.
Fleet & Risk Coordinator, Bruntwood
"James Wooldridge has worked with Stobart Air through 2012 to develop risk assessments and liability claims defence procedures at London Southend Airport. James has produced detailed yet practical documentation that will prove invaluable in complying with legislation and defending public liability claims."
Head of Service Delivery, London Southend Airport
"I've known James for a number of years now and during this time he has contributed to the Ambulance Trust National Accident reduction Group and has held two motor fleet risk management review meetings with the Trust, which have both given rise to practical recommendations aimed at reducing our motor fleet claims costs. James has a helpful approach and a wealth of knowledge that would benefit any organisation looking to improve its motor fleet risk management approach."
South East Coast Ambulance Service NHS Foundation Trust
"James has an in-depth working knowledge of Risk Management and is a very trustworthy and reliable individual. He is always looking to create bespoke solutions which demonstrates his ability to deliver products that meet the needs of his clients. James would be a great asset to any company looking for risk management advice."
Broking Director - Willis Limited
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This place is super cool! You can try La Reunion dishes and specialties. The food was fresh and rich in flavors. If you're a foodie looking to try something different, this is a great place to go to. They also serve some great cocktails.
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