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When the overweight rogue fell off his yacht - almost exactly five years ago - his death led to far greater public appreciation of the importance of adequate and safe retirement funding.
Millions of people are members of occupational pension schemes. When they retire, the schemes they belonged to during their working lives will pay them, with varying degrees of generosity, a retirement income.
Most of us seem content with a vague idea that we will be looked after when we retire. However, growing numbers of people are realising that a far more active interest is needed to ensure an adequate pension.
Almost 9 million people, for example, fell for the blandishments of the insurance industry and bought personal pensions. Many, including thousands of mine workers and nurses, who were persuaded to switch out of their company schemes, are discovering too late that they may have lost out.
The new-found interest in all types of retirement provision is important. The first step is to have a basic understanding of how company schemes, to which most of us belong, actually work.
The notion of an occupational pension first developed in the 19th century, but pension schemes received a major boost with the 1921 Finance Act. This allowed tax relief on contributions to pension funds by employers and staff, plus tax relief on the investment income of pension funds "approved" by the Inland Revenue.
Approval depends on separating pension fund assets from those of the company itself. The ideal vehicle for such a separation is a trust, whereby the needs of beneficiaries (pensioners) are met by the fund set up and part- or wholly funded by the employer, and "owned" and administered by trustees.
Running a pension scheme is - as we should have learnt in the post-Maxwell era - an important job. It requires meticulous attention to detail by an administrator, coupled with inspired investment by a manager who is there to ensure that the fund's performance delivers the returns needed to meet the pensions bill.
This becomes even more important in money-purchase schemes, where the pension is not guaranteed and only the fund manager's skills (plus the employer's generosity) will ensure a decent retirement fund.
Safeguarding the interests of pension-scheme beneficiaries are trustees, whose role is to obey the trust deed first set up by the employer and apply its provisions fairly. Trustees are primarily volunteers, often from among the ranks of scheme members, who give their free time to ensure that their scheme is properly run.
According to Hugh Arthur, a pensions lawyer at Biddle & Co, trustees must use as much diligence as a prudent "man of business" would exercise in dealing with his own private affairs.
"In taking investment decisions in relation to investments, trustees must take as much care as a prudent man would take ... for the benefit of persons for whom he felt morally obliged to provide," Mr Arthur says.
Trustees must become familiar with their scheme's rules, which may lay down a variety of details, including:
q eligibility for membership and how to join;
q what the benefits are at retirement date and before it;
q arrangements for transfers to other pension schemes;
q dealing with temporary absence, such as maternity leave;
q payments of lump sums in the event of death;
q payments of a pension to a deceased member's spouse or dependants;
q the potential to increase members' pensions where appropriate.
Discretion in many matters is possible, although trustees must be able to explain their decisions if challenged before a Pensions Ombudsman or the courts.
While it is accepted that pension trustees do not need to have detailed technical knowledge, they must be able to show that they have taken the advice of an expert before making a decision.
The introduction of the Pensions Act, due to come into force in April, will increase the responsibility of trustees in the eyes of the law. It also places an obligation on companies and pension funds to ensure that trustees are adequately trained.
Training is available from a variety sources, including the National Association of Pension Funds, which runs day and residential courses.
For scheme members, quizzing their trustees should be a regular part of becoming informed about their pensions. For would-be and existing trustees, gaining knowledge and skills is equally important.
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Flickr user RestlessFiona has started this very cool group for images from Viewmaster slides and reels. Something about these images that I find very soothing and they make me wish that more people would join this group. So head on over and if you have some images, please contribute them.
One thought on "Viewmaster Slide Photos"
ViewMaster was one of my all time favorite toys. My favorite ViewMaster disk was the 1960s Batman TV show. Fond memories of this one!
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Methyl violet 2B is a biological stain that is commonly used at a pH between 0 and 1.6. It is certified for use in Flemming triple stain with iodine for chromosomes; Newton?s crystal violet-iodine technique for chromatin and nucleoli; Lieb?s amyloid stain.
Jeng-Shiou Wu; Chia-Hung Liu; Khim Hoong Chu; Shing-Yi Suen. Removal of cationic dye methyl violet 2B from water by cation exchange membranes. J. Membr. Sci. 2008, 309 (1-2), 239-245.
Linda B.L. Lim; Namal Priyantha; Chieng Hei Ing; Muhd Khairud Dahri; D.T.B. Tennakoon; Tasneem Zehra & Montri Suklueng. Artocarpus odoratissimus skin as a potential low-cost biosorbent for the removal of methylene blue and methyl violet 2B. J. Chem. Soc., Trans. 2015, 53, (4), 964-975.
Gefahrenhinweise (EU): H351-H400-H302-H319
Suspected of causing cancer. Very toxic to aquatic life. Harmful if swallowed. Causes serious eye irritation.
Sicherheitshinweise: P201-P273-P280-P281-P305+P351+P338-P301+P312-P308+P313-P337+P313-P405-P501a
Obtain special instructions before use. Avoid release to the environment. Wear protective gloves/protective clothing/eye protection/face protection. Use personal protective equipment as required. IF IN EYES: Rinse cautiously with water for several minutes. Remove contact lenses, if present and easy to do. Continue rinsing. IF SWALLOWED: Call a POISON CENTER or doctor/physician if you feel unwell. IF exposed or concerned: Get medical advice/attention. If eye irritation persists: Store locked up. Dispose of contents/container in accordance with local/regional/national/international regulations.


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Foodies in the City yesterday called for punters to leave Wm Morrison on the shelf as it still hasn't reached a bargain-basement price yet. Cheap supermarkets such as Lidl and expensive ones such as Marks & Spencer have maintained market share and reported strong sales, according to the latest report by market researcher Nielsen this week. But grocery experts at Shore Capital said Bradford-based Morrisons is still struggling to turn a corner.
Its sales are back in negative territory, down 1 per cent in August. Shore's scribblers had been "searching for a bottom" but they still haven't found it. They said the group still has further to fall, and rated it a sell with a 293p price target.
Shore admitted a "return to sales growth in recent months" had given it grounds for "moderate encouragement" for the group run by Dalton Philips but the latest sales figures did not comfort Shore or investors, and it edged back 1.5p to 291.4p. Shore forecasts first-half pre-tax profit of £370m. Meanwhile, Shore preferred M&S and rated it a buy with a 475p price target. The shares ticked up 2p to 477p.
Morrisons' decline yesterday was in the context of a rising wider stock market – equities were back in favour as fears about military action in Syria were put on hold. The Syrian concerns had caused stock markets to tumble earlier this week but signs that Western powers will wait for a conclusion to UN investigations on the use of chemical weapons before making any decision sent the markets into a relief rally.
The FTSE 100 index added 52.99 points to 6483.05. Even news that the US economy is growing more quickly than expected in the second quarter did not spook investors. The better-than-expected US figures, which were boosted by strong exports, could have raised concerns that the economic stimulus programme will be wound down but this didn't take the shine off gains in London.
Traders were upbeat following news that a big deal could be on the cards. Telecoms giant Vodafone returned to discussions with partner Verizon on the potential sale of its 45 per cent stake in its US joint venture Verizon Wireless. Vodafone was top riser, calling up a 15.45p gain to 204.75p.
Outsourcing specialist Serco was bottom of the blue-chips, down 68p to 538.5p, after it said it is investigating financial irregularities in its prisoner escorting contracts.
Security group G4S, which is also facing an investigation over prisoner-tagging contracts, declined 0.9p to 251.5p as Goldman Sachs analysts rated it a sell with a 194p price target.
Analysts at Deutsche Bank downgraded Financial Times owner Pearson to sell, and said the publisher faced more structural change than its peers. It was 36p worse off at 1,280p.
Mid-cap oil and gas explorer Soco International is returning cash to shareholders, and reported record production for a third successive half year. It jetted up 12.7p to 398.7p.
Gambling software developer Playtech said it could make €600m (£517m) of acquisitions as it reported a 13 per cent hike in first-half sales.
Russia's Petropavlovsk was the latest gold miner to report a writedown after the price of gold slumped this year. The small-cap miner, co-founded and chaired by Peter Hambro, reported a $742m (£478m) first-half loss, and it tarnished 24.75p to 102.25p.
Underground engineering group Shaft Sinkers uncovered a 1p gain to 24.5p when it announced it had been selected as the preferred bidder for a $75m contact in Kazakhstan.
Quadrise Fuels International has closed a contract with shipping company Maersk to supply it with its "low-cost fuel", which is an alternative to oil, and it surged 2.13p to 14.9p.
Serial AIM entrepreneur David Lenigas's Rare Earth Minerals continued its climb. It confirmed it has increased its stake to 30 per cent in the prospective Fleur-El Sauz lithium project in Mexico earlier this week, and yesterday announced an estimated resource of 1,782,000 tonnes of lithium after drilling the first holes.
The stock, up 2055 per cent since the start of August, added 0.28p to 1.25p yesterday.Reuse content


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Jeddah Summer Festival
An annual event since the year 2000, Jeddah summer festival has been taking place in June and July to encourage tourism. Attractions include fireworks, live music and food. At times workmanship of goldsmiths is also showcased in order to increase the revenue of the city,
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Send a message explaining your needs and Margery will reply soon.
Response time: 4 hours
Southern Illinois University, Carbondale (Math)
Harvard University (MEd)
I am a Massachusetts licensed teacher, and I have taught Math & Computer Science for the past 17 years working in the Sudbury and Newton public school districts. I have taught all levels of algebra, geometry, trigonometry, precalculus and AP Calculus AB & BC as well as AP Computer Science. In addition I have tutored many students preparing for the SSAT, SAT, ACT and GRE exams by helping them improve their score and finding their best possible test strategy. My undergraduate degree is in Math & Computer Science and I have a master's degree in education from Harvard.
I am passionate about learning! When a student tells me that they "hate" a subject I know it is because they do not understand the concepts and are frustrated. "This is how I feel about bowling," I tell my students, "because I am miserable at it." My job is to find the missing links in each student's educational background and fill in all the missing pieces. I prepare for my lessons in advance using different teaching techniques tailored to each student's individual needs. As a former software engineer I use technology to enhance learning. My goal is for my students to gain confidence in their skills and be successful in their classes. My greatest reward is the smile I receive when a student "gets it". I tell my students that if they can learn math then maybe I can learn to bowl.
I have raised three children of my own and understand the needs of my students from a parents point of view. During my son's junior year in high school he became very ill and missed 3 months of school. When he fell behind in Precalculus, I hired a tutor for him. Watching him work with the tutor as he blossomed and succeeded was very moving. My goal is to be an inspiration for you as well!
I know that it is hard to call a stranger on the phone or via internet to get help for yourself or child. Please feel free to email me so that we can set up an interview.
I wish you success in your studies! I am a Massachusetts licensed teacher, and I have taught Math & Computer Science for the past 17 years working in the Sudbury and Newton public school districts. I have taught all levels of algebra, geometry, trigonometry, precalculus and AP Calculus AB & BC as well as AP Computer Science. In addition I have tutored many students preparing for the
If a lesson is cancelled less than three hours before the lesson, the student will be charged $35.00. Full lesson rate will be charged for students who do not show up for the lesson.
I have never worked with a tutor who knew their material so well or was as organized as Margery. I contacted Margery to help me prepare for the BC Calculus exam while I was taking an AB Calculus class. With just a few months to prepare, this seemed like a daunting task; yet with Margery's clear instruction and guidance I was able to score a 5 on the exam. Using her mastery of the material, Margery is able to break down complex topics clearly and is excellent at communicating different mathematical concepts. She laid out a 3 month schedule, creating a timeline of calculus concepts to learn before the exam, and provided invaluable test-taking tips. I have worked with several different math tutors, but none could have prepared me as well as Margery did.
She also helped my sister achieve a near perfect score on the SAT II Math 2 exam!
My son has only one lesson with Margery but it appears to be off to a good start. She has taken inventory of his knowledge in the subject matter and thought through a course of action. In short, she's done all that can be done at this time.
Margery has been helping my 14 year old daughter review these past few summer weeks for her first year in high school. She has been so flexible to meet with us and is a pleasure to have over to our house.
After the first lesson, my somewhat anxious daughter said she loved her and definitely wanted to do more review with Margery. Margery worked quickly with my daughter to figure out where she stood with the math topics they worked on last year and what she will be delving into this coming year. She then focused with her on the areas she was least confident, building up her ability and confidence. She gave my daughter constant reassurance and praise for the work she did and gave her strategies and techniques to get through the problems she struggled with.
My daughter feels very confident NOW starting her freshman year but also is happy that Margery will be available for any supplemental help during the year. We are grateful we found Margery and would highly recommend her!
Margery is tutoring my two teenage children who are both math phobic. While they continue to find the subject matter challenging, they really enjoy working with Margery and appreciate the positive feedback and encouragement that she provides. She is a thoughtful and patient tutor who really knows how to connect with her students and is interested in their success.
Margery has tutored both of my high school children in geometry and algebra 2. I appreciate her approach because she explains the rationale behind the formulas. She is very patient and approachable. I also like that she has been able to tutor via Skype when meeting in person has not been possible because of busy after school schedules. I highly recommend Margery.
We initially contacted Margery based on her reviews on WyzAnt and her location being close to ours. One meeting was enough for us and our child to decide we didn't need to talk to anyone else. Margery is knowledgeable and experienced in several subjects which made her the perfect tutor for SSAT. She is also caring, patient and engaging and is able to make a good connection with her student. Our son was looking forward to his lessons and did his assignments with enthusiasm. It takes skill and experience to make a young student feel that way about tutoring sessions in the summer. Margery is a true professional and has all the skills and experience one would expect from a great tutor. She also gets results. Our son was able to accomplish his goal in SSAT. I strongly recommend her.
Although only a few sessions in, my nephew is learning so much. Margery assessed his needs quickly and set him up with a work plan and the tools to help him with his studies - particularly math. My nephew is so happy with his sessions and finds Margery very easy to work with. Through my conversations with her, I found that she is an excellent, experienced educator, who is sensitive to her students' needs. Finally, I really appreciate that Margery has taken the time to talk with me about her assessment and plans.
Margery is a wonderful tutor. My daughter has struggled with math and it has challenged her confidence. Margery is extremely warm and patient and has really built up my daughter's confidence and test scores. She is always prompt, professional, and easy to reach. Margery has a gift for tutoring kids and truly seems to enjoy her work.
Margery is an extremely knowledgeable teacher to be able to understand the students need and ensure the student understands the fundamentals thoroughly. She understands where the gaps are and what areas needs to be focused on to ensure the student thoroughly understands the subject. She is on time for the lessons, very professional and kind. She understands each student very well and does what it takes to build their confidence level to become successful and perform to their potential. She has been very flexible when we needed to change occasionally the lesson times once she has sufficient time to alter her schedule. I would highly recommend Margery.
My daughter had her first math tutoring session with Margery on Jan 24. Margery quickly identified her study tendencies and her strengths & weaknesses. She reviewed together with her on a recent math test set and explained the problems.
We shall arrange for new study sessions. Perhaps Tuesday afternoon would fit my daughter's schedules better. Margery- please let us know your availability! Thank you.
Margery has been working with my daughter for only a week and after three sessions, my daughter is already grasping the concepts that she didn't understand in AB Calc class this semester. She has gone way out of her way to accommodate her and has even been tutoring her via Skype while she has been away. My daughter is gaining confidence and absolutely loves working with Margery. I highly recommend Margery and feel so very fortunate that we found her!
Margery is simply terrific! She's very knowledgeable, professional and wonderfully patient. My son very much enjoys their laughter-filled tutoring sessions and appreciates that she continuously challenges him. I highly recommend Margery.
Margery is clearly a very experienced and effective tutor, but what stood out to me was also the flexibility that she has shown in the scheduling of the lessons for my 9th grader. We had a couple of changes of dates, and I had not received an email that Margery sent me to confirm the next appointment. When we finally spoke over the phone, she was extremely understanding, and my son was able to get his badly needed lesson on another date!
I have never met a tutor who is as caring as Ms. W. She not only teaches my son pre-Cal but also teaches him learning skills. My son is struggling with pre-Cal, algebra and math in general. Ms. W. observed my son's learning style, and communicated with me with compassion and solid suggestions. Remarkably, with Ms. W.'s lessons and previews, my son is able to be ahead of class and understand the complex concepts taught by his teacher at first time.
Margery was wonderful to work with, easy to schedule with, and very organized. She was a tremendous help to my son in reaching his ambitious summer math study goals.
We found Margery to help my daughter prep for the English and Math SAT. We were able to have three lessons with Margery prior to the test and she worked well with my daughter and we saw my daughter's motivation and willingness to practice go up after each lesson. Margery was also able to offer some feedback on their progress to me which was appreciated. Based on that, we agreed that my daughter should plan on taking the SAT a second time and for her focus on improvement on her algebra skills prior to that. We will definitely ask to Margery to come back and help her prepare for that in due course. In the mean time we feel she is well prepared for the SAT next week. Thank you Margery!
"Wow! Who's the tutor you are using?" asked our son's pre-calculus teacher upon seeing his grade turnaround. Mrs. W knows truly knows how to teach. This is evidenced in her patience, her command of the subject matter and most importantly, her ability to convey the subject matter in a manner that is understandable and relatable. As a result of her tutoring, our son now has greater confidence and the understanding to grasp the subject matter. Our son, his teacher and we, as his parents, have been thrilled with the progress he as made. We wholeheartedly endorse Mrs. W's skills and abilities as a tutor who helps students learn, grasp and grow.
Our son was not doing well in math and we could see that he was feeling overwhelmed and frustrated. He is a very hard worker, but does have some learning deficits. Margery began tutoring our son and within 2 weeks his grade was brought up. His last two test grades were a A and B. Along with her excellent educational experience, Margery has a keen ability to pinpoint the type of learner our son is. She gets our son!!! Margery has given him the tools to succeed in Algebra and we would highly recommend her. We are so delighted that we have found her!!!
I contacted Margery in order to help my 16 year old son who is completing high school through an accredited, online high school, with his AP Calculus AB class. He is a very bright math student, wanting to learn everything himself, but was struggling with some Calculus concepts. He agreed to meet with a tutor, and through Wyzant, I found Margery who seemed to have all of the necessary qualifications, at least online. Well, she exceeded both of our expectations, especially with regard to my son! She arrived promptly, and had already looked over the chapters in his book which he had covered (I had told her on the phone which book he used), and had taken it upon herself to contact his school to try and get information about his course. She immediately jumped into the section he was working on, and seemed to intrinsically know the best way to work with my son. She was extremely respectful of his intelligence, and explained the concepts he didn't understand in such a way he was able to understand almost immediately. She has a great sense of humor, and taught my son many useful calculus techniques in only an hour. Not only that, as his school doesn't offer AP Calculus BC, she offered to help him with that portion in order for him to take the AP Calculus BC exam rather than the AB. Needless to say, we have made the decision to use Margery on a regular basis, especially as Calculus can be a rather daunting class to teach oneself and she made it an enjoyable learning experience for my son.
If you are looking for a REAL math teacher, one who clearly has tons of experience, Ms. W is a perfect fit. I have been struggling with Pre-Calculus, and her clear and patient explanations helped demystify this tough subject. She even prepared before the first lesson, having numerous calculator programs, a textbook and exercises. With Ms. W as a tutor, one should feel a lot more confident about math!
Approved subjects are in bold.
In most cases, tutors gain approval in a subject by passing a proficiency exam. For some subject areas, like music and art, tutors submit written requests to demonstrate their proficiency to potential students. If a tutor is interested but not yet approved in a subject, the subject will appear in non-bold font. Tutors need to be approved in a subject prior to beginning lessons.
I have been a high school Math teacher for the past 17 years and have tutored a number of students in preparation for the ACT, SAT, SSAT & GRE exams.
I generally use the AP Collegeboard test prep books. I start by having a student take a practice test and analyze their areas of weakness in terms of knowledge and test taking ability. Based on this I then prepare specific lessons designed to strengthen knowledge and skills. I also continue to give practice timed tests. As the exam approaches I design an individualized test taking strategy based on each student's strengths.
As a high school teacher I have taught many, many students with ADD/ADHD throughout the past 16 years. I also raised 3 children and both of my boys have ADHD. As a requirement of teaching I have taken many workshops and courses as well.
I am a Massachusetts licensed high school Math & Computer Science teacher. I have taught all high school math subjects for the past 16+ years and have tutored many students as well.
Algebra is the first math subject that requires students to think abstractly. It is the key to all high school math courses and essential for students to thoroughly grasp. Many students take this course in 8th grade but need extra practice in order to retain their skills. In most math courses that I teach I frequently need to reteach Algebra concepts before students can move forward in their current math course.
Algebra II is an extension of Algebra I and prepares students for PreCalculus. Many students struggle with this course because they have either not seen Algebra in over a year while studying Geometry or because they struggled with Algebra 1. The topics in Algebra II seem unrelated and I work with students to see the connections between all the different Algebra topics as well as how they relate to real world problems.
As a high school teacher I have taught many, many students with Autism/Aspergers throughout the past 16 years. Technically in the DSM, Aspergers is now considered Autism and is no longer a separate diagnoses.
In high school, all of our classes have inclusion and I have worked with these students with and without aids. I have also taken many courses and workshops about autism to better improve my teaching.
I am a Massachusetts licensed high school Math & Computer Science teacher.
I have taught AP Calculus for 17 years (both AB & BC). In addition I have been an AP Calculus Reader and therefore know exactly the concepts required by the AP Collegeboard and how the tests are scored.
In addition I have tutored a number of college students taking Calculus I and Calculus II. Most of my college students are either Engineering majors.
I have a minor degree in Computer Science and was a Senior Software Engineer for 10 years before I went into teaching. I have also taught Computer Science (non-AP and AP) for 15+ years. I have been a Computer Science Club advisor and a FiRST Robotics Advisor. I hope this will suffice!
I have a minor degree in Computer Science and was a Senior Software Engineer for 10 years before I went into teaching. I have also taught Computer Science (non-AP and AP) for 15+ years. I have been a Computer Science Club advisor and a FiRST Robotics Advisor. I hope this will suffice!
As a high school math teacher for the past 15+ yearsI have taught all levels of high school math including Discrete Math. It is a part of our high school curriculum and all math teachers are required to be able to teach all courses and all levels of high school math.
I have taught all high school math subjects for the past 16+ years and have tutored many students as well.
In addition, I have tutored a number of students in elementary, middle and high school in all levels of math. I have worked as a volunteer in my children's elementary school with students who struggle with math concepts.
I have used a number of different Geometry textbooks supplied by the schools (mostly McDougal Littell). Students tend to struggle most with Proofs. I start students with a non-math proof. For example, write a proof that you are aged 15 etc. I work with students to learn theorems, postulates, definitions and properties and how to use them in a proof. In addition I work with students in the study of polygons, area and volume.
I have tutored many students preparing for the GRE's. I took the GRE exam myself and scored 800 on the math section and 740 verbal. I work with students in the three areas that the GRE test: quantitative, verbal and writing. I give students practice tests and analyze their areas of weakness as well as their test taking practices. I then prepare lessons to improve their knowledge and test taking strategies. I continue to provided timed practice tests to assess progress. As the exam approaches I work with each student to plan their specific test strategy.
Before I became a high school teacher I was a Software Engineer with Digital Equipment Corporation for over 10 years. In my job I used many computer languages (COBOL, FORTRAN, ASSEMBLER, C, C++, Pascal, Lisp and Java). Java is distinct as it is an object-oriented language and currently the language used on the AP Computer Science test.
I start students with an introduction to basic Java syntax followed by data structures (primitive, arrays, lists and classes). Next we work on controlling the flow of the program through the use of loops and methods. Then we discuss searching and sorting algorithms and learn how to analyze them for efficiency.
If a student is taking AP Computer Science I teach them the current Case Study and have students work through problems that modify the case study.
Precalculus is a hodgepodge of seemingly unrelated topics required to learn Calculus including a polynomials, parametric, polar and vector equations, conic sections, exponents, logarithms, probability and a good amount of trigonometry. I try to connect all these topics for my students and foreshadow how they will be useful in Calculus. I show how each different function is used to model real world data and how the mathematical model is used to make predictions. By making connections and relating math to real examples my students are excited to learn the material.
I absolutely love Probability! I start by having students try to predict the probability that two of them in my classroom have the same birthday (in classes > 23 students) or lead a discussion about weather forecasting. Students are instantly engaged. I then teach them the basic principle of probability (# of favorable outcomes/ # of total outcomes). Next we work on Counting principles (nCr and nPr) followed by probability problems increasing in level of difficulty. I cover random variables and probability distributions.
For fun we talk about gambling odds and the probability of winning the lottery.
I have tutored many students preparing for the SAT's. I work with students in the three areas that the SAT tests: quantitative, verbal and writing. I give students practice tests and analyze their areas of weakness as well as their test taking practices. I then prepare lessons to improve their knowledge and test taking strategies. I continue to provided timed practice tests to assess progress. As the exam approaches I work with each student to plan their specific test strategy.
As a high school teacher I have taught many, many students with special needs throughout the past 16 years. I have worked with students diagnosed with the following: Aspergers, Autism, ADD, ADHD, Cerebral Palsy, Executive Functioning Disorder, Cognitive Function Disorder (from Concussions), Vision and Hearing Impairment, ESL (English as a Second Language), chronic migraines, color blindness and many more.
In high school, all of our classes have inclusion and I have worked with all of these students with and without aides. I have also taken many courses and workshops about special needs to better improve my teaching.
I was a member of the Varsity Swim Team throughout high school and college. I have coached and taught swimming lessons (all levels) for 30+ years). I have coached high school swimming and have taught Red Cross WSI and Lifeguard Training for many, many years.
Trigonometry is one of my favorite math subjects to teach! I show my students how the ratios of a right triangle (sine, cosine, tangent etc) allow us to solve real world problems such as the height of Mt. Everest, distance between the planets, or in the study of sound and light. I work from the unit circle and explain the importance of radian measure. I continue onto graphing transformations of trig functions and their inverses, solving trig equations and the use of trig in real world problems. I teach my students how to prove trig identities and why this is a valuable skill.
In addition I love to incorporate the history of Geometry, thousands of years old, long before calculators and computers.


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Exporting barriers: Insights from Portuguese small- and medium-sized exporters and non-exporters
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Volume (Year): 8 (2010)
Issue (Month): 3 (September)
Pages: 254-272
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- Warren J Bilkey, 1978. "An Attempted Integration of the Literature on the Export Behavior of Firms," Journal of International Business Studies, Palgrave Macmillan;Academy of International Business, vol. 9(1), pages 33-46, March.
- JS Armstrong & Terry Overton, 2005. "Estimating Nonresponse Bias in Mail Surveys," General Economics and Teaching 0502044, EconWPA.
- Vivienne Shaw & Jenny Darroch, 2004. "Barriers to Internationalisation: A Study of Entrepreneurial New Ventures in New Zealand," Journal of International Entrepreneurship, Springer, vol. 2(4), pages 327-343, December.
- Manski, Charles F. & Thompson, T. Scott, 1986. "Operational characteristics of maximum score estimation," Journal of Econometrics, Elsevier, vol. 32(1), pages 85-108, June.
- Meghana Ayyagari & Thorsten Beck & Asli Demirguc-Kunt, 2007. "Small and Medium Enterprises Across the Globe," Small Business Economics, Springer, vol. 29(4), pages 415-434, December.
- Cameron,A. Colin & Trivedi,Pravin K., 2005. "Microeconometrics," Cambridge Books, Cambridge University Press, number 9780521848053, December.
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text:
HOUSTON -- Randy Wolf has made a big impression on the Houston Astros in a short period of time.
Wolf pitched 6 2/3 strong innings, Lance Berkman hit a two-run homer and the Astros beat the Cincinnati Reds 5-0 on Wednesday to keep their slim playoff hopes alive.
Houston pulled within 3½ games of the wild card with four games left on its schedule, trailing New York and Milwaukee for the top spot.
"This one was a good one for us," manager Cecil Cooper said. "We live to dance a few more days. We just have to keep winning and hope for divine intervention."
Wolf (12-12) allowed eight hits, struck out seven and walked two, improving to 6-2 in 12 starts since being acquired from the Padres on July 22.
"He has been unbelievable," Berkman said. "He's a guy I've always had respect for and wanted us to sign. He has really solidified our pitching staff.
"I think he and LaTroy (Hawkins) are probably the two biggest reasons we are where we're at right now."
Cooper agreed.
"He has been a nice, nice addition for us," he said. "I think only two outings has he not been up to par. His command was a little bit off tonight but he made pitches when he had to."
Cincinnati put runners in scoring position in the second, fourth, fifth, sixth and seventh innings but Wolf managed to work his way out of trouble every time.
"It was definitely a tough one for me," Wolf said. "It seemed like I got two quick outs several times and then it would be crunch time. I was lucky enough to get out of those jams."
Geoff Geary, Hawkins and Doug Brocail pitched the final 2 1/3 innings and allowed only two hits. Hawkins has not yielded an earned run in 22 games spanning 19 innings since coming to the Astros from the Yankees on July 30.
Cincinnati's Ramon Ramirez (1-1) went five innings and allowed two runs and four hits in his fourth major league start.
"Ramirez got a little changeup happy in the first inning and he got one up high to Berkman," manager Dusty Baker said. "He located his pitches much better after the first inning."
Ramirez said his location improved after the first inning.
"The changeup was a high, hard changeup to Berkman," he said. "I was hoping for a groundball or a weak flyball, but I got it up too high.
"I made that one mistake. After that, I was fine."
Berkman drove in Kazuo Matsui with a two-out drive to left in the first inning. It was his 29th homer of the season.
- Houston RHP Chris Sampson said an MRI revealed a slight tear in his lateral tendon in his injured right elbow. Sampson said he will be available for the rest of the season, then decide whether to have surgery or rehab the elbow. He said he has pitched with some pain for some time.
- Berkman's homer was his 44th against the Reds, surpassing Alex Rodriguez's 43 against the Angels as the most by any player against a single opponent since 2001.
- Matsui went 2-for-4 and is hitting .417 (10-for-24) since returning from the disabled list Sept. 16. It was the Astros' NL-best 13th shutout.
- Quintero's hit stopped an 0-for-22 streak.
- Cincinnati's Joey Votto went 2-for-3 and has two or more hits in six of his last seven games.


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Shares of Avanir Pharmaceuticals (NASDAQ:AVNR) represent a compelling short sale opportunity. I calculate fair value of AVNR at just $1 per share, versus the current market price of $4.62. Importantly, I think the price will approach this value rapidly given weak Nuedexta sales and short intellectual property life.
Nuedexta is the combination of dextromethorphan and quinidine for the treatment of a neurological condition called 'pseudobulbar affect'. This is a rare condition which results in uncontrolled laughing or crying in patients with neurological damage (multiple sclerosis, ALS, stroke, etc.). Nuedexta is Avanir's only drug, either approved or in development. In clinical study, the efficacy of Nuedexta was modest. For example, after 12 weeks of treatment, the average number of laughing/crying incidences for placebo patients decreased by 3, while the average number for patients on Nuedexta decreased by 4.
Put another way (as described in an AVNR press release in October 2009), after 12 weeks of clinical study, 61% of patients on placebo had had no PBA episode in the prior 2 weeks, compared to 80% on Nuedexta. That is, Nuedexta provided 19% fewer emotional outbursts than did a sugar pill. Nuedexta also provided an advantage in another measure, the least squares CNS-L score (Center for Neurologic Studies Liability Scale, a seven-item self-report questionnaire with 3 items assessing crying and 4 assessing laughter). At week 12, CNS-L improved in placebo patients by 6 points, compared to 8 points in Nuedexta patients.
Having only one approved drug, with nothing else in its pipeline, makes calculating the value of Avanir relatively easy.
Top 10 Slowest Pharma Launches in the Last 4 Years – All U.S. Drugs – First 13 Weeks Summed TRX * AWP
1. Nuedexta - $582,888
2. Zuplenz - $619,494
3. Vimovo - $806,400
4. Toviaz - $987,644
5. Oravig - $1,088,826
6. Silenor -$1,274,000
7. Selzentry - $1,324,827
8. Promacta - $1,429,900
9. Effient - $1,727,562
10. Fanapt - $1,865,682
Avanir's second quarter launch isn't going much better than the first. "Better" is all relative of course as you'll see in the valuation section. The discontinuation rate of Nuedexta is quite high – NRx (new prescriptions) are not translating into TRX (total prescriptions), which, as one analyst put it, describes the "episodic" nature of how these patients take this drug. It appears many patients feel Nuedexta is worse than their PBA symptoms. Because there has never been a drug for PBA, there should have been a bolus in patients at the launch who quickly came on to Nuedexta. With only 300-400 TRx weekly (at $490 a Rx that is a paltry $10 million/year sales run-rate), we are left to ask, "that's it? Those are all the patients who have been waiting and clamoring for a PBA drug? Definitely a head-scratcher.
The notion that Avanir has to educate physicians to bring the PBA out of their patients in testimonials is a tough sell. MS and ALS patients see their physicians often. The discontinuation rate, coupled with the idea that PBA is simply not a common condition – neurological issues are rare to begin with, and PBA so severe it merits special pharmacokinetic intervention with a relatively cheap drug ($5,000 annual cost) spells a product that can't support its associated sales force cost. Finally, I wouldn't underestimate that sales reps are "journeymen". Once they realize their drug isn't hitting targets, they leave for the next gig.
Valuation – IP
Let's remember the enterprise value (market cap minus cash plus debt) of Avanir is $450 million. My favorite part of the drug business is the relative ease with which one can value approved drug assets. Drugs have finite lives which are easily determined, and sales trajectories which are predictable and can be estimated both conservatively and aggressively.
The poor launch of Avanir is just half of the short thesis. The other half, which seems less appreciated, is intellectual property. A key determining factor of the value of any pharmaceutical asset is the life of the asset. Recall the Buffett moat. There is no moat in the drug business. Your product disappears and you know when it disappears. Sometimes it's not so clear, as in this case. However, a good rule of thumb is that if there is no new chemical entity present in a drug, and it's a small molecule (in this case, two), the life of the drug is going to be pretty short.
The statutory exclusivity for a new combination is three years—so that's the shortest amount of time Nuedexta can be on the market without generics. An "ANDA" paragraph IV filing can be filed quickly after approval. For instance, Somaxon (NASDAQ:SOMX) received a paragraph IV filing for Silenor just weeks after FDA approval. I expect a Paragraph IV ANDA filer to appear for Nuedexta soon. This begins a 30-month-stay clock during which the ANDA filer and the innovator litigate over IP.
The IP for Nuedexta is extremely weak. Avanir invented nothing in combining dextromethorphan and quinidine. Their four patents, 7,659,282, RE38,115, 5,166,207, and 5,206,248 all are preceded by prior art easily found here. The concept of metabolic enablers and the use of dextromethorphan in pseudobulbar affect was well known before these patents were filed. There are a number of papers that are easy examples of prior art showing CYP450 bioconversion of dextromethorphan. Avanir has been working on this drug for quite some time. Remember that for a patent filing to be valid, there cannot be public "prior art" which would invalidate that patent.
The '282 patent, which was filed in 2005, has claims which are questionable given the prior art revealed in the work Avanir published in 2004. Read these claims from RE38,115:
We claim:
1. A method of increasing the effectiveness of dextromethorphan in treating chronic or intractable pain, comprising administering to a patient suffering from chronic or intractable pain a therapeutically effective dosage of dextromethorphan or a pharmaceutically acceptable salt thereof, in combination with a therapeutically effective dosage of a debrisoquin hydroxylase inhibitor.
2. The method of claim 1 wherein the debrisoquin hydroxylase inhibitor is selected from the group consisting of quinidine, quinine, and pharmaceutically acceptable salts thereof.
And contrast with the claims in 5,166,207 (expired in 2009 or 2014 with full Hatch-Waxman restoration, too soon to stop a generic):
What is claimed is:
1. A method for enhancing the systemic delivery of dextromethorphan for the treatment of a neurological disorder resulting in injury to nervous tissue, which comprises:
administering to a patient suffering from said neurological disorder an amount of a cytochrome P450IID6 enzyme inhibitor, sufficient to block dextromethorphan metabolism, and an amount of dextromethorphan, sufficient to treat said neurological disorder.
2. The method of claim 1, wherein said inhibitor is quinidine.
This is an obvious genus/species patent mistake that likely should have never been issued. RE38,115 is "anticipated" in patent speak, by '207. One can't claim "enhancing the systemic delivery of dextro with quinidine for neurological conditions" in one patent granted in 1992 and then try again to claim "increasing the effectiveness of dextro with quinidine in pain" in a new patent in 2003. Sadly, this innovation is indeed 19+ years old. A few years too old for Avanir to fight off generics in just a few years.
Valuation – Based on sales, earnings, cash flow, fair value with asset life determined at roughly 3 to 5 years, we can easily determine the fair value of the stream of cash flows that encompass Avanir. While I contest Avanir will never be profitable, and ride off into the sunset like Nitromed (NTMD) and other woe-be-gone companies, let's assume Avanir is purchased by a company who would almost eliminate all of their costs. This might be a more fair way to value Avanir since a buyer could afford to pay an enhanced price using this methodology. Top funds employ frameworks like this to allow them to figure out fair value when it is obscured by investment. Let's be very kind to Avanir and see what happens.
Gross Profit
Operating Income
Net Income
I'm being very generous to Avanir to illustrate a point. I don't think Avanir will achieve these sales estimates – the current sales trend suggests they'd be very lucky to achieve half or a quarter of these estimates. Valuing Avanir assuming a takeout and almost zero costs (SG&A is actually 5x what I am estimating) is also aggressive. The NPV of these 5 years of cash flows plus the current cash is just $321 million or $2.64 per share (10% discount rate). If you don't know how to calculate NPVs, please learn as it is 1) easy and 2) the cornerstone of finance. In Microsoft Excel, type =NPV(discount rate, stream of cash flows).
For example, in the above cash flow table, try =NPV(10%,21,53,67,90,119). You can use your own estimates, of course, and toy with the discount rate. Keep in mind AVNR is losing lots of money at the moment, so any forecast of cash flow is aggressive, and in my mind, unlikely.
Part of my goal writing here is not only to "show my work", but also to teach how a fund like mine values a firm like Avanir. This is my 12th year in the hedge fund business and I am happy to share what I've learned and my experiences (good and bad!) with you all.
Avanir is likely the next Somaxon
The similarities between Somaxon and Avanir are uncanny. Somaxon is a stock that has fallen 75% since approval of their only drug, Silenor. Like Silenor, Nuedexta is not a new drug, per se. It is a combination of two old drugs for a new indication. Silenor is one old drug for a new indication. Both drugs have questionable intellectual property protection. As mentioned elsewhere in this report, Somaxon received paragraph IV generic ANDA filings for their drug just six weeks into their launch.
The weak sales of Silenor were evident early - as a matter of fact, Silenor actually out-sold Nuedexta in its first quarter by a large margin ($1.274 million for Silenor versus $0.583 million for Nuedexta). The companies have very similar expense structures as well. Sadly, Silenor will likely outsell Nuedexta as well in their second launch quarter. What does this all mean? Well, Somaxon's market cap is $100 million, 1/5th of that of Avanir. This suggests AVNR may fall 80% as investors realize the companies' prospects are not too different.
When the best case scenario for a stock you own is you will lose 40%, you should sell. The worst case scenario is the Nuedexta launch continues to be poor. At $490 per prescription, the company would need to generate (on average) 10x the prescriptions it is generating now to achieve these numbers. This would require a miracle ramp in sales never seen before in the drug business (I've done every permutation possible a very rich data set and I can say with confidence, the numbers above are BEST CASE)—all to result in a 40% loss for shareholders, mind you. Because the drug will go generic in just a few years (find a combination of two really old drugs that lasted longer than five years—you won't), and Avanir is spending quite a lot on their infrastructure (at this rate, the company will be out of money soon), I suspect the stock will be down at least 50% in the next 6 to 12 months.
Disclosure: I am short AVNR, and the firm I work at is short AVNR and may change its position at any time without notice.
Additional disclosure: I promise to donate 50% of my personal AVNR-related profits to charity. I agree to be held accountable to this.


text:
Despite higher education's progressive reputation, new research shows a stubborn pay gap between women and men who are administrators.
Search processes prove to be a key point of contention as West Florida and Kennesaw State have considered making politicians university presidents.
The last five campus leaders picked at Cal State have been women, and recent hires have doubled the number of Asian-Americans who will be campus presidents.
If you want to diversify your leadership to close the gender gap, it is not enough to establish goals and expectations, writes Jeremy Haefner. You must also put support systems into place.
Montana State professors take stand against a new vocational program -- despite strong administration and industry support -- questioning the kinds of jobs it would produce and the impact on core academic fields.
Claremont McKenna dean of students resigns amid protests over comments on race and campus climate.
Leaders of U of Kansas, trying to avoid becoming the next U of Missouri, hold intense, lengthy meeting with hundreds of minority students. Can the university deliver what they want?
Amid escalating tensions, students protesting what they see as a culture of racism at the University of Missouri successfully oust the system's president and the flagship's chancellor.
Resignation and litigation at Stanford point to complications when an administrator has a relationship with a faculty member in his or her unit, but few colleges have formal policies about such situations.
As colleges face financial pressure and trim budgets, faculty members are concerned about not just the proposed cuts, but how those changes are communicated.
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guy drains his main vein.4.17 / 5.00 7,417 Views
( Original ) Nesia Legend of Cosieda Episode 1
The first episode of my original anime3.96 / 5.00 2,701 Views
Godians Fight
Two Men Fight to the Death!4.15 / 5.00 2,072 Views
"With a smile..."
Loved it! I thought it would be kinda' dull since it was a personal flash - they're usually too obscure or vague with too many private, "in-family" jokes to make much sense - but the humor in this was very easily accessible to just about anyone. The only familiarity you need is with the Matrix movies, at least a little, and it makes sense. Cute job, excellent use of the Matrix mythos & blending of key scenes from the two relevant movies. Keep 'em coming! :-)
i didn't like it.
and i don't see why my review was deleted for saying so.
he's like I'm gonna die and he opens his eyes and she's already done drawing blood =p
though I can understand the needle phobia
you did good ^_^
That's really sweet that you made this for your mom. :D
And I can see it from the crybaby's point of view. I hate needles. D8
Last time I went to the ER, they took my blood. I cried like a baby the whole time.
Something called author comments.
"And she's a VAMPIRE by abbreviation and because she takes blood. Not because she's a literal vampire. Read the thing at the beginning."
Hopefully this lessens the amount of "OMG where are the vampires?"
It was a feel-good fun flash. Well done.


text:
By Michael Collins: WBO lightweight champion Ricky Burns (35-2, 10 KO's) has had two opportunities to face unbeaten Adrien Broner (25-0, 21 KO's) and on both occasions he chose not to face him. The first time was last year when Burns held the WBO super featherweight title and Broner was in line to face him as his mandatory challenger.
Burns then complained about having difficulties making weight and then moved up to 140 and was … Read Article


text: Hi there! So a coworker brought in a 12 gallon eclipse sw tank to put up by the front desk. She was getting rid of it, and the owner of the company said he was wanting to get one for the office. I have a 10 gallon fw tank on my desk at work, so everyone figured I could just take care of it. So now it's my problem. Ha. Now I'm researching. Anyway, there's what I think are 2 yellowtail blue damsels and 1 starfish of some sort (I'm having a hard time id-ing the star. I'll post a pic soon). The more I read about damsels, the more worried I am. They sound like a major pain. They are still small (maybe 1.5") so I think they're youngish. Is this going to be a problem? Should I try to get one more to balance aggression? Other than that, i'm pretty excited to get into sw with an established tank. I just don't want this tank to turn into the mad max thunderdome. Thanks!


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Every Knee Will Bend
|DMC2:Finish the game on Normal Mode with any character
When you first start the game, you will be instantly set to normal. On Devil May Cry 2, normal mode is the equivalent of easy mode on the original Devil May Cry and it is the only game to not feature and Easy mode.
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Toyota Motor Sales U.S.A. Inc. believes it has hit upon a fresh marketing formula using an original Web comedy series, ŌĆ£Frenemies,ŌĆØ where the auto maker controls the showŌĆÖs content. Part of the widely discussed ŌĆ£Mommy Like/Daddy LikeŌĆØ advertising campaign for the new Sienna minivan, ŌĆ£Frenemies,ŌĆØ is shown on MSN.com. The story follows a suburban family that grudgingly move to the suburbs and happen to drive a Sienna. The ŌĆ£FrenemiesŌĆÖŌĆØ fictional moms are wife Lori and Joy, her old ...
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Janice VanCleave's Super Science Challenges
Hands-on Inquiry Projects for Schools, Science Fairs, or Just Plain Fun!
By (author) Janice VanCleave
Format: Paperback
Normal Price: $20.95
Your Price: $18.86 AUD, inc. GST
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Janice VanCleave's Super Science Challenges by Janice VanCleave
Book DescriptionThis fun-filled resource will help you discover how to answer these questions and more, and in the process, come up with your own great science projects. Janice VanCleave's Super Science Challenges gives you the ideas and information you need to start experimenting in a range of topics from astronomy, biology, and chemistry to earth science and physics. You can use these science challenges as jumping off points for science fairs or classroom projects, or just try them at home for fun. The book is designed to show you how to use science inquiry to solve an exciting challenge.
Buy Janice VanCleave's Super Science Challenges book by Janice VanCleave from Australia's Online Bookstore, Boomerang Books.
Book DetailsISBN: 9780471471837
(272mm x 215mm x 11mm)
Pages: 160
Imprint: John Wiley & Sons Inc
Publisher: John Wiley and Sons Ltd
Publish Date: 6-Nov-2007
Country of Publication: United States
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Janice VanCleave's Teaching the Fun of Science to Young Learners, Paperback (March 2008)
The book's 75 lessons and reproducible activities touch on all areas of science and provide the key to a world of science magic and mystery. While kids will have fun doing the activities and learning to love science, they are also being encouraged to develop other skills, including reading, writing, math, and art.
Janice VanCleave's Engineering for Every Kid, Paperback (May 2007)
A large portion of any science fair deals with engineering topics, yet there are currently no project books for kids ages 8 to 12 specifically on engineering.
Janice VanCleave's Big Book of Play and Find Out Science Projects, Paperback (April 2007)
Introduce young children to the wonders of science Using this book as a guide, you and your favorite budding scientist can have fun exploring the world while you help your child learn about science and develop important science process skills.
Hands-on Bible Explorations, Paperback (January 2007)» View all books by Janice VanCleave
Hands-On Bible Explorations is a terrific collection of 52 activities and crafts for kids-one for each week of the year. The book includes favorite stories and parables from the Old and New Testaments, chapters on important Christian Values, and fun projects that make the lessons of the Bible entertaining and easy to understand.
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Author Biography - Janice VanCleave
Janice VanCleave is a former science teacher who now spends her time writing and giving science workshops. She is the author of more than fifty children's science books with sales totaling over 2 million copies.
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Intel Security case study
Intel Security transforms its quota management and sales compensation management with Anaplan in the cloud
Intel Security Group is an American global computer security software company and the world's largest dedicated security technology company. It helps secure systems, networks, and mobile devices around the world, allowing users to safely connect to the Internet, browse, and shop on the web more securely. It has all of the complexity to be expected of a modern multinational organization with approximately half of its revenues in North America and the remainder spread throughout the world in more than 130 countries.
As with many technology companies, people are one of Intel's principal assets The company relies on its 6,595 employees to create innovative products that help its customers prove compliance with regulations, protect data, prevent disruptions, identify vulnerabilities, and continuously monitor and improve their security.
Bryan Bayless, VP GTM Finance is responsible for financial oversight of the Enterprise Business division which accounts for about half of Intel's revenues. Motivating and appropriately remunerating its 1,500+ strong sales force in a fiercely competitive and fast moving trading environment is a highly developed and intricate process that needs to be carefully controlled and managed.
The Business Problem
The uniquely complex character of the sales quota and remuneration process meant that sales capacity and remuneration planning has always been managed by finance and operations teams outside of conventional payroll and human resources systems. The finance and operations functions relied on a plethora of disconnected Microsoft® Excel® spreadsheets and up to 40 different Microsoft® Access® databases with only in-business technical support and resources.
"I was concerned that so much sensitive compensation information lived in spreadsheets," said Bayless. "Based on constant audits and reviews, we were confident that people were getting paid accurately but the calculations were spread across 25+ finance and operations personnel based in different geographies around the world and it was difficult to consolidate, review, and approve commission related data in a timely fashion."
The finance organization was constantly bumping up against capacity constraints. Reporting and review timescales, following even the simplest of changes, could take up to 48 hours to turn around.
"I was not only worried about the integrity of the information but also our ability to scale up the operation in the face of growth. If we doubled our size would we end up managing 80 databases?" added Bayless. "So we needed to consider how we could improve the process to be more scalable as well as streamline communications with the sales teams and sales management through swifter review and approval of compensation targets, and more insightful analysis and reporting."
Enter Anaplan
Intel Security contacted Anaplan to hear about its remuneration and compensation process. "It wasn't what I was expecting" said Bayless. "We were looking for a pre-packaged compensation package – a point solution – so I didn't understand how a generic analytical performance management application could help."
But Bayless, a self-confessed "Spreadsheet Junkie" was impressed with Anaplan from the very outset. "I was intrigued because here was a product that anyone with moderate spreadsheet skills could understand. The logic wasn't dissimilar from spreadsheets yet it was obvious one could build models with almost limitless scalability and integrity."
The notion that Intel Security could build a single data model to be shared by the entire global finance team was very appealing. "Every time we changed some metadata such as the country hierarchy or any one of the several compensation elements in one spreadsheet we had to ensure everyone updated their own spreadsheet as everyone was working in their files live, – but invariably something got left out."
But the key challenge for Bayless and the finance team was could Anaplan totally displace the spreadsheets. At some stage or another in his varied career, Bayless had worked with almost every popular Business Intelligence tool in the market place. Not only did they require extensive IT and consulting support, but they were very expensive and failed to live up to their promise of eliminating spreadsheets. "The first thing I would look for was the 'export to Excel' button for ad-hoc reporting and quick pivot tables," adds Bayless. "If we couldn't say we are no longer using spreadsheets, then the solution failed the test!"
So when Anaplan demonstrated that its models are genuinely self-contained with no need to export to Excel to manipulate and analyze data, the finance team was genuinely impressed.
Ease of Build
Anaplan's grid like interface with tabs was instantly familiar to Bayless's finance team, all of whom were experienced spreadsheet users. They quickly appreciated Anaplan's use of 'natural language' for the construction of business rules, validation logic and calculations. "It was very intuitive and we could instantly see that the cut-over to a new system would be straightforward. We didn't have the budget to spend on lengthy consultancy and training."
Bayless was confident that anyone with modest spreadsheet skills should be capable of specifying new business rules, simplifying existing spreadsheet rules and reviewing the logic within an Anaplan model after some simple training. The latter point meant that the finance team could maintain the model itself and work independently from the IT function. As it turns out the initial phase-one model (which replaced 13 spreadsheets) was built by just the finance team, supported by a project manager with no IT background and a solution architect from Anaplan. The initial model was designed, built and tested within a period of a few weeks. It was after phase one success that Bayless' team saw Anaplan's true potential to replace the database application used to calculate commissions.
The build itself was collaborative but Bayless reports the emergence of a 'hive mentality' after the model was deployed. "Everybody on the Cloud-based platform is working on the same data so that different countries can work together and the model is instantly updated. In the past personnel were reluctant to discuss process issues because the system was comprised of a series of disconnected spreadsheets and they didn't necessarily know that their question or issue was shared by others. But now everybody willingly works together and somebody in Sydney can help a colleague in Slough because they share the same model."
Return on Investment (ROI)
The finance team expects to see a significant improvement in productivity as a result of introducing Anaplan. "There won't be a consolidation process anymore. Data is entered directly into the model and updated in real-time. We don't have to wait 24 to 48 hours to see the results either." Bayless also remarked about the tangible financial benefits of introducing Anaplan "we will cut days out of the process for the entire finance team and be able to use existing resources without the need to hire additional personnel to keep up with the workload."
Additional Usages
The Finance project is having an effect on other parts of the Intel's organization as well. Bayless has a list of additional potential projects for Anaplan in the pipeline. Projects include scenario planning on different compensation models as well as resource planning.
Anaplan – the Organization
Given its background in the field of security, Intel Security is unsurprisingly quite conservative about taking on new systems. So Bayless and Anaplan initially had to work hard to gain acceptance in the organization for a cloudbased solution.
Anaplan has also proved its mettle as a supplier overall and although it is a small vendor it punches well above its weight. "Anaplan feels like a large organization. It always answers queries quickly and is noticeably 'solutions oriented' rather than 'sales oriented' i.e. not using every opportunity to sell more product and services. The team is full of praise for Anaplan and it is one of the best relationships I have ever had with a vendor."
Use Cases
- Quota Management
- Sales Compensation Management
- Complex Quota and Sales Compensation Management processes driven by disconnected Excel spreadsheets and more than 40 databases.
- Difficulty consolidating, reviewing and approving commission related data in a timely manner.
- Replaced spreadsheets and databases with single data model on Anaplan.
- The Finance team and an Anaplan Solution Architect designed, built and tested the model in a few weeks with no IT support.
- Anaplan supported global collaboration with analysts from different countries working on the same data model at the same time.
Results at a Glance
- 400% ROI measured in months on cash basis
- Replacement of enterprise spreadsheets and 40 databases
- Real-time updates to model eliminating consolidation process
- High adoption rate by team


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Normandy bed and breakfast accommodation
Normandy is one of the most popular tourist destinations in France and with good reason. Culture, history, beaches, food and accessibility are big draws. The main ferry ports in Normandy are Dieppe, le Havre and Caen and the ferry port of Saint Malo with its fine old walled town is on the Normandy/Brittany border. Quality bed and breakfast accommodation in Normandy as well as self-catering holiday rentals are popular as people seek bases from which to visit the WWII Normandy landing beaches, the Norman tapestry in the picturesque town of Bayeux and the impressive Gothical cathedral in Rouen.
Dog friendly B&B near Arromanches, Gold Beach, Caen and Bayeux Normandy France
This bed and breakfast near Bayeux and Caen in Normandy is a very special place indeed. Tucked away off the beaten path and just a 15 minute stroll from the beach (fancy a secluded picnic with a cheeky bottle of wine or Normandy cider?) it is a truly wonderful place, full of genuine French countryside charm.
The B&B is a great base from which to explore the Normandy Landing Beaches - Arromanches is 5kms away, it is just north of Gold Beach (UK) and just west of Juno Beach (CDN). Sword (U
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Dog friendly 3 star hotel in Bayeux near Caen in Normandy France
This is a quality 3* hotel in Bayeux, Normandy, a former coaching inn dating back to the 18th century and is therefore, not surprisingly, full of character. In a wonderfully quiet location, just at the start of the pedestrian zone in Bayeux, you will be assured of a comfortable stay and a warm welcome here.
The guest rooms at this small hotel overlook a flower-filled courtyard which protects them from any external noise. If you have mobility problems, please ask for a room on the ground floor
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B&B near Mont Saint Michel and Saint Malo Normandy, France
There is a reason why this unimposing, comfortable bed and breakfast near Mont Saint Michel and Saint Malo in Normandy is so popular. You can literally walk to Mont Saint Michel from the B&B (it's only a couple of kilometers away) using a wide gravelled trackway which means you avoid all of the traffic and queues in the high season. Perfect!
The B&B, surrounded by well-maintained gardens, is a haven of peace and tranquillity, a real sanctuary after the madness of a day on Mont Saint
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Dog friendly B&B near St Lo and Cherbourg Normandy France
This family-owned chateau bed and breakfast near Saint Lo south of Cherbourg in Normandy is also just 30 minutes away from the American Normandy D-Day landing beaches which you must take time to visit if you are in the area.
The lovely old manor house dates back to the XVIth century and is surrounded by several hectares of private gardens and lawns making this a wonderfully peaceful and relaxing place for a short break in Normandy.
On the doorstep there are good walking, cycling and horse
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Bed and breakfast near Sainte Mere Eglise, Utah Landing Beach and Cherbourg Normandy France
This 16th century manor house B&B near Saint-Mere-Eglise in Normandy is just 30 mins from Cherbourg and in the perfect situation for visiting so many of the sights that Normandy has to offer.
Set amidst beautiful countryside it is a mere two-minute drive to the village of Sainte-Mere-Eglise with its restaurants and famous church where the British paratrooper became caught in the steeple during WW2. You can literally walk to Utah Beach and then Omaha Beach is only 35 mins away. Bayeux, Ca
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Bed and breakfast for horse lovers near Caen in Normandy France
This is a wonderfully charming Normandy bed and breakfast near Caen. It is located near the village of Cahagnes and dates back to the 17th century. The owners run a horse stud in the grounds which they would be delighted to show you around.
This B&B is ideally placed to discover the cider and calvados-producing areas of Normandy. The Normandy landing beaches are also just a short drive away. The nearest restaurant is 8 kms from the accommodation and there is a golf course 30kms away, a s
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Charming family-friendly bed and breakfast in Honfleur Normandy France
This bed and breakfast in Honfleur in Normandy is perfectly situated for a short break being just a 2 minute walk from the old port of Honfleur.
Situated in the old quarter of Honfleur, hidden away in the winding old back streets, it is far enough away from the centre to be beautifully quiet, but near enough to feel that you are in the midst of things.
Once you have passed through the old gate into the courtyard, you will be greeted by a beautiful garden full of trees and flowers, with l
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Manor house B&B near Cherbourg and Sainte Mere Eglise in Normandy France
This 16th century manor house B&B near Cherbourg (20 mins) and Sainte-Mere-Eglise is also a great location from which to visit the D-Day Landing Beaches. The hospitality of fluent English-speaking Eric and his wife Corinne is unsurpassed as is their passion for the fascinating history of their old house and this very beautiful corner of Normandy.
The long poplar-lined drive leads you to the manor house which is surrounded by 2.5 hectares of landscaped gardens where you will find peace an
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Family friendly B&B near Dieppe and the Normandy coast of France
This quite lovely bed and breakfast near Dieppe in Normandy dates back to the 19th Century and is in a great location beside the church in the little village of Derchigny Graincourt, near the sandy beach of Berneval.
Truly an oasis of peace and tranquillity just 20 minutes from Dieppe, each bedroom at this bed and breakfast overlooks a large, wooded park of 6000 m2, which is divided into small gardens protected from wind and noise. You'll find chairs dotted throughout the gardens, inviting y
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Bed and breakfast for families near Cherbourg and the Normandy coast, France
This bed and breakfast accommodation is situated just 30km east of Cherbourg in Normandy, just 1km from the coast and the GR223 Normandy beaches long distance coastal trail, on a former farmstead which dates back to the 17th century.
The buildings have been recently renovated, adding modern features whilst retaining the original character of the farmstead such as old beams and exposed stone walls. The area is ideal for coastal walking and visiting the Cotentin peninsular.
Guests have use
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British bed and breakfast near Dieppe and Rouen Normandy France
This lovely bed and breakfast near Rouen (30 minutes) and Dieppe in Normandy is in a beautifully converted 18th century watermill, complete with water wheel - full of charm, full of character. Junction 7 of the A28 autoroute is just a few minutes away which makes this an ideal spot for a stopover en route to the SW of France.
But why not stay longer and visit some of the beautiful gardens that are within half an hour's drive of the B&B - ask your British hosts for their recommendations.
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British bed and breakfast near Caen and Normandy landing beaches, France, with evening meals
This is British-owned bed and breakfast accommodation 1 hour from Caen and 1.5 hrs from the D-Day landing beaches, 10mins drive from the beautiful spa town of Bagnoles de l'Orne in Normandy.
The B&B is in a typical Normandie longère, situated in the rolling countryside on the edge of the sweeping forests of Andaine. In the forest, there are miles of walks and cycle ways.
In the cooler season the forest springs to life with mushrooms of all descriptions. There is also a horse r
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Family-friendly B&B near Rouen and Dieppe in Normandy France
This great value bed and breakfast near Rouen (40kms to the West) and Dieppe (50kms to the North) is also within easy reach of Paris which is 110kms to the South.
The fine old farmhouse dates from the nineteenth century and is situated in four hectares of gardens. It has been meticulously restored into a little sanctuary of peace and quiet by your hosts who now take great pleasure in welcoming people of all nationalities into their home and in improving their already very proficient English!
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Motorbike and family friendly B&B near Caen and St Malo in Normandy
This bed and breakfast near Caen and Saint Malo (both 1 hour away) in Normandy is also just 1h20m from Cherbourg, making it an ideal spot in which to break your journey down to the South of France.
Your British hosts are wonderful people who offer unpretentious and honest hospitality at its very best at their lovely, quiet and comfortable property which is set in the most idyllic of rural locations in a central location in Normandy and just 30 minutes from the Normandy Landing Beaches.
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British bed and breakfast near Dieppe Rouen and Giverny in Normandy France
This B&B near Dieppe (30kms) in Normandy really is a home away from home where you will be treated like family by your British hosts. Set in a wonderfully peaceful part of the picturesque Normandy countryside, it is the perfect place to unwind.
The cup of tea and biscuits on arrival are most welcome and the sound of birdsong and (if you are lucky) sunshine streaming through your bedroom window provide just the best start to the day.
The B&B is an ideal base for a cycling holiday
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B&B near Caen, Bayeux, Mont Saint Michel and Normandy landing beaches
A bed and breakfast near Mont St Michel, Bayeux, the D-Day landing beaches and Caen, this lovely address is in a lush, green part of rural Normandy, centrally placed for visiting all of the major sights. Being under 10 minutes from the A84 (Caen-Rennes) autoroute it is also perfect for those needing a stopover en route to their holiday in Western France.
The lovely old French farmhouse B&B which was originally built in 1734 is in a very peaceful situation, set back off a little country la
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British bed and breakfast near Rouen and Giverny in Normandy France
This pretty, English-owned bed and breakfast near Dreux south of Rouen in Normandy is in a lovely peaceful situation on the edge of the quiet but thriving little village of Bourth which is awash with flowers throughout the seasons.
The village is just 3 1/2 hours from Calais, 2 ¼ hours from Dieppe, 50 miles south of Rouen and 1 ½ hours from Paris. If you fancy a day trip into the city or to Giverny, do ask your hosts as they will be quite happy to give you a lift to the rail st
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Dog-friendly bed and breakfast near Le Mans and Alencon Normandy France
This beautifully renovated bed and breakfast near Alencon (10kms) and Le Mans (50kms) is an independent ground level open-plan studio adjacent to the owner's house. The Normandy Landing Beaches are only 120kms to the North too.
The B&B is in a beautifully tranquil situation, at the end of a small road in the countryside and near the forest - perfect for walking. The nearest restaurant is 10 kms away, but there is a restaurant in the village which is open for lunch, just 1km from the hous
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Chateau B&B near WW2 Normandy Landing beaches and St Lo
This British-owned chateau bed and breakfast near Bayeux and Saint Lo in Normandy is an absolute gem!
This is the genuine medieval chateau experience, with its fortified walls and of course its moat (parents of young children should naturally be particularly vigilant), steeped in history which your warm and welcoming British hosts can't wait to share with you.
Here, you will experience generous and genuine hospitality from people who so clearly enjoy welcoming people into their very spec
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Dog friendly B&B near Honfleur Normandy, France with swimming pool
What a lovely situation for this chic bed and breakfast near Honfleur in Normandy and just 10kms from Deauville St Gatien airport.
Set in the most beautiful, peaceful Normandy countryside and yet just a 5 minute drive from the old town of Honfleur with its lovely little restaurants and charming historic port, you get the best of both worlds here.
This peaceful haven, surrounded by 2 hectares of beautifully maintained, enclosed parkland and also a heated swimming pool with salt electrolys
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Bed and breakfast near Dieppe and Rouen in Normandy France
This is a simply lovely B&B near Dieppe (40 mins) in Normandy. It's in a sweet little village, not only close to Dieppe but also just 90 minutes from Calais and Boulogne and 50 minutes from both Rouen and Amiens. You won't have to stray far off the autoroute either as the B&B is just 6 miles off the A28 which runs between Abbeville and Rouen in Normandy.
If you fancy a short break in France to discover the WW1 battlefield sights, this B&B is a great base. It's just 8 miles from
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British-owned dog-friendly bed and breakfast in Honfleur Normandy France
This bed and breakfast in Honfleur, Normandy is tucked away on a quiet little side street, far enough away from the main activity to be quiet at night and yet you can easily walk to the restaurants (your hosts will be happy to give you their recommendations), to old Honfleur town harbour and to the other historical sites in Honfleur.
The atmosphere here is one of tranquillity, a home from home environment, which your friendly, smiling and hospitable British hosts (the friendliest and most we
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Bed and breakfast in Saint Saens near Rouen in Normandy France
It is for Jean-Marie's hospitality and charm that you will remember this fantastic value bed and breakfast near Rouen (30 kms). If you are travelling from Calais (2 1/2 hours) to the Dordogne or the SW of France, this really is the perfect spot in which to break your journey being just 5 minutes from exit 11 of the A28 autoroute and exit 10 of the A29 autoroute.
Well hidden from the major roads, the cosy and very comfortable B&B is within walking distance of the centre of the pretty litt
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Great value dog-friendly B&B near Caen ferry port Normandy France
This beautiful bed and breakfast near Caen (1 hour) in Normandy really is a hidden gem and quite the best base for exploring so many of the must-see Normandy towns such as Rennes, Mont saint Michel, Le Mans, Fougere, Bagnole, they all are within easy reach.
The lovely old house which is on the edge of a small village and just 5 minutes from the Medieval town of Domfront is also a perfect stopping off spot if you are travelling to or from the Normandy ferry ports.
This magnificent, magical
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Full of character B&B in pretty countryside in central Normandy location
This lovely bed and breakfast near Avranches, Coutances and Granville in Normandy is centrally located for visiting so many of the sites of Normandy.
The D-Day landing beaches of Utah, Omaha, Gold, Juno and Sword and the Battle of Normandy sites and museums are just a short trip away and even a visit to Bayeux is do-able in a day. It is a mere 75 minutes from Cherbourg, Saint Malo and Caen, so well-placed for an overnighter too.
But stop for a few days and explore the quiet country lanes
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B&B near Caen ferry port and Bayeux in Normandy
This beautifully renovated 250 year old manor house offers quality B&B near Caen (45 mins) and Bayeux (20 mins) in Normandy. It is also very well located if you are travelling to or from Cherbourg which is just an hour's drive away.
Tucked away at the end of a quiet country lane near the tiny village of Litteau, this really is a haven of peace and quiet and yet in such a convenient location for visiting the WW2 sites, landing beaches, Bayeux tapestry and the numerous important sites in No
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Bed and breakfast near Rouen in Normandy
This characterful B&B near Neufchatel en Bray (20 mins) and Rouen (40 mins) in Normandy is within easy reach of both the A28 and A29 autoroutes.
The B&B is in a peaceful little village surrounded by rolling hills and beautiful countryside. Say hello to the British owners' animals which include alpacas, sheep, goats, chickens and a shetland pony too! The kids will love it here.
Guests have use of a ground floor lounge area which has coffee and tea making facilities - very welcome af
...see more


text:
I had a dream last night about some cats that kept breaking into my house. I was confused because I couldn't figure out how they continued to get in when I had all the doors and windows locked . Everytime I would open the door to let them out they get back in somehow. There was one fluffy cat that when I shooed it away it wouldn't move at all. There was also a gray cat (like the cat in the movie cats eye) that kept walking around in the background like the leader.
Dear Bee – In your dream you become aware that you repress part of your feelings and/or desires; "I was confused because I couldn't figure out how they continued to get in when I had all the doors and windows locked."
You also become aware that repression does not make the feeling or desire go away.
It can make however that in your waking life you are not aware of it anymore, although it is still present in your mind.
To help you explore your feelings and to feel more at ease with what lives in your inner world you could use "Being the cat"; http://dreamhawk.com/dream-encyclopedia/acting-on-your-dream/#BeingPerson
Opening up in general could be a helpful approach too; http://dreamhawk.com/approaches-to-being/opening-to-life/


text:
Fashion Blog
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- Total Bids 44
Project Description
- Customize an existing template for a Fashion Blog
- following the Fashion Blog owner guidelines you will have to customize an existing template. The template can be chosen together buying something standard on the web that can fit the purpose
- Initially you will have to update posts, pictures and graphic and then provide teaching to the Owner to let them work autonomouslyGet free quotes for a project like this
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- Set your budget and the timeframe
- Outline your proposal
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- Forbes
- The New York Times
- Time
- Wall Street Journal
- Times Online


text:
Added On: 2014-10-21 02:51:32 • Views: 206 • Duration: 10:32
Categories: Caught
Tags: homemade, tight, fingering, solo, orgasm, hidden, Spy
Our site has a zero-tolerance policy against illegal pornography.
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We take no responsibility for the content on any website which we link to. Copyright 2014


text:
This prodigious and generally exemplary guide illuminates the obscure (Linnaeus Tripe, 1822-1902, was official photographer with the Madras Native Infantry), while revealing the unexpected about obligatory inclusions. We learn that Henri Cartier-Bresson (1908-2004) disappeared so completely during the war that the Museum of Modern Art in New York organised a "posthumous exhibition" in 1945.
The beautifully reproduced illustrations, which tend to be formal and strikingly composed, are equally original. Colour prints from the 1900s have an astonishing modernity. The 13-page section on war photography includes an indelible but little-known image by Julien Bryan of a 12-year-old Polish girl grieving over the body of her elder sister in 1939. Though many entries are devoted to recondite technicalities (not a single sentence of the 1 pages on "Sensitometry" will be remotely comprehensible to the non-technical reader), humour is frequently evident in both text and images. The entry on the great Weegee includes his observation that "I work only for kicks and for money", while "Snapshot" is illustrated by a 1900 photo of James Murray, editor of the OED, on Borth beach with a sand castle in the shape of a smiling monster. Though the book contains 300images, more were needed. Any reader will feel deprived when such giants as Paul Strand and Sebastiao Salgado are described merely by words.
- More about:
- Cartier
- Modern Art
- Oxford
- Photography


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Car Route Map Bike Route Map Walk Route Map
The distance from Chicago, Illinois to Buffalo Grove, Illinois is 26.9 miles by the driving route, 26.9 miles by the biking route, and 26.9 miles by the walking route. The straight line distance between Chicago and Buffalo Grove is 26.9 miles (airplane route). The distances via different routes and the durations needed to travel from Chicago to Buffalo Grove are summarized in Table 1. The estimated gasoline cost of driving from Chicago to Buffalo Grove is summarized in Table 2.
|Travel Route
|Distance (mi)
|Distance (km)
|Travel Time
|26.9 mi
|43.2 km
|26.9 mi
|43.2 km
|26.9 mi
|43.2 km
|26.9 mi
|43.2 km
|3.2 minutes
|Note: Distances of driving, bicycling, and walking routes and travel durations are calculated using Google Maps services API. Airplane distance and travel time are calculated using straight line and flying speed of 500 miles per hour [reference].
|Fuel Economy
|Distance (driving)
|Fuel Cost
|20 mpg
|26.9 miles
|25 mpg
|26.9 miles
|30 mpg
|26.9 miles
|35 mpg
|26.9 miles
|40 mpg
|26.9 miles
|50 mpg
|26.9 miles
|Note: Gasoline price used in the calculation is $2.20 per gallon.
|From Chicago, IL to Oak Lawn, IL
|9.3 miles
|From Chicago, IL to Burr Ridge, IL
|13.7 miles
|From Chicago, IL to Oak Brook, IL
|14.0 miles
|From Chicago, IL to Skokie, IL
|14.0 miles
|From Chicago, IL to Elmhurst, IL
|14.1 miles
Also see Distance from Chicago to other countries; Distance from Chicago to other world cities; Distance from Chicago to nearby airports.