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KatherineSo now we are doing the 'Tourist Thing' and taking our visitors around the Territory. We went to Katherine on the weekend and had a pretty good time.
Now, Katherine is three hours drive south of Darwin and is well known for it's Gorges. A Gorge is a body of water between two bodies of rock (I think this is the definition of a Gorge - sue me if I'm wrong).
We arrived at about 3.30pm on Saturday after a 9am-ish start. It took us that long due to us stopping for rests and also detouring and having a look at Adelaide River's old Railway Station. As we were leaving the Station, we heard the sound of a train and lo-and-behold, it was the Ghan. It was quite spectacular and I'm sure we all went slightly mad taking photos.
When we reached Katherine we decided to go to Katherine Hot Springs for a little swim, which was nice and relaxing. Then we went to our hotel rooms and had lunch (a rather late one). After eating too much, we all decided to go for a walk around town and get some supplies, ie. chocolate!! When we got back, we realised we were so tired, and all went to bed.
The next day, we went to the Katherine Gorge and went on the 2-hour tour by boat/ferry (I don't know exactly what it was). It was honestly beautiful. I can't imagine how nature can be so spectacular (this sounds like a cliche), but it was...........
Darryl Somers went there to promote the Territory. Remember the advertisement "You'll never, never know, if you never, never go". Well, part of it was shot at Katherine Gorge. Also, the first Australian film "Jeddah" had scenes shot at the Gorge. This film also had Aboriginal actors in it, which was historical in itself. Anyways, I'm starting to sound like the guide, so I'll stop with all this talk.
In all honesty, Darwin is at it's most beautiful at the moment and now, is probably the best time to get over here!!! So, get over here and you can go and see all these cool places!!!
I feel like I'm missing out a lot being at work and all whilst my visitors and parents do other cool stuff. However, I'm connecting more with Adam, and I'm really going to miss him when he leaves.........we hired the movie 'Candy Man' last night, and I told him that I'll watch it with him. Yet another old school thing that he would have been too young to know about 10 years ago when I watched it for the first time!!!!
Miss you all!!!!
Jack Handy Thought For The Day: We tend to scoff at the beliefs of the ancients. But we can't scoff at them personally, to their faces, and this is what annoys me.

subset: commoncrawl


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Friends Mystery Bustrip
Wed. 19 October 2016, 8:00 am – 4:00 pm AEDT
Wed. 19 October 2016
8:00 am – 4:00 pm AEDT
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Wollongong Art Gallery
46 Burelli Street
Wollongong, NSW 2500
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Our mystery trip will take you to 2 eastern suburb galleries and 1 historical house. Bring your lunch or dine at the historical house (Lunch not included in ticket price)
Things to do in Wollongong
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46 Burelli Street, Wollongong, NSW 2500, Australia
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text: This Victoria table lamp has a really modern and stylish look and feel with chrome base and available with either Black or White shade. Incredible value for money this lamp can be used as a desk lamp in the office or home study or simply to brighten a dark corner in a hall, lounge or bedroom. * Height- 315 mm * Base Diameter- 110 mm * 40W (excluding bulb)


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When I was pregnant, about 7-8 months along, I tried on a pair of harem shorts. They looked ridiculous!!! In fact, my friend and I could not stop laughing! Her stepdaughter burst into my dressing room to see why we were so amused. She immediately piped up "What's wrong? Is your baby tickling you?!"
With that being said, I don't think I can do the harem pants trend. They remind of two things:
1. Cow udders
2. M.C. Hammer
While they are comfortable it is just too much slouchiness going on in the groin region, lol. It looks messy and less than feminine. They really don't flatter too many body types either.
Now I could possibly work with these. I definitely wouldn't spend over $20 for a pair. What are your thoughts on this summer trend?


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Sorry about the corny ass title but I just couldn't resist. Now before I get deep into my own "hoe politics" let me break this down for those who don't really know what's going on. There are people out there, whom you may or may not have had sex with, who analyze YOUR sex life so that they can label it and you as what is commonly referred to as a hoe. I know, it's absurd. But hey, its just one more thing women go through. The term is interchangeable with the words slut, whore, bussa (created from the Chicago term bust down), runner, tramp, groupie, bopper, to name a few. It can also be expressed in phrases such as "She's easy" or "She goin" (I think that's another Chicago exclusive).
But anyway, the fact of the matter is that you can only be crowned the hoe title if someone knows about your sex life in some capacity and gives it to you. Therefore, another very accurate title for this post could have been "why I don't give a fuck if you think I'm a hoe".
So after you have this title, what does that mean for you? In my opinion? Not a damn thing (another reason for my alternative post title). Supposedly it makes you "unwifeable". What a joke! So I should be ashamed that some clown I probably wouldn't want to marry anyway just so happened to find out about two of my sexual encounters and doesn't want to marry me? Ha. When I find someone I want to be in a serious relationship with we will be in one. Because he won't give a fuck who I was sleeping with before him (as long as I'm STD free of course). And that's just the bottom line.
And that's the killer about this whole hoe thing; it only applies to women but it's completely centered around the opinion of men. And then there are women that support such a silly agenda by helping to further "tarnish your rep". I wrote about women like that here. Anyway, it's all pretty silly. Unless you broke the Code and it was her man she shouldn't have an opinion about who you slept with. In fact, adults don't concern themselves with who other adults are sleeping with. I'm a grown ass woman, I'll do what the fuck I want, with little to no regard for how or what you think about it (A third and final reason for an alternate post title).
But for those of you who do care, be mindful of this: if you have a lot of sex, try to keep it on the low or risk the chance of being called a hoe.... not that it matters.


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Category:MCT Monte Rosa (ship, 2007)
|Information about {{{2}}} may be found at IMO 9298363.
A ship can change name and flag state through time, but the IMO number remains the same through the hull's entire lifetime. As a result, it can be useful to identify a ship by using the IMO number.
Media in category "MCT Monte Rosa (ship, 2007)"
This category contains only the following file.
- MCT Monte Rosa Chemical Tanker.jpg 1,024 × 768; 375 KB


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Stress and some general questions
Hey guys, I've been under a TON of stress lately with school (if anyone has ever been to law school you'd understand) and the gf. Throughout the day I occassionally begin to engorge, but do not become fully erect. Mind you, its that kind of chub where if you took it out and played with it, it'd get hard in a heartbeat, so I don't know if that counts as a positive PI. But the most concerning thing is the turtling…my flaccid hasn't been hanging consistently meaty at all. Do you think this is due to stress and lack of sleep? My flaccid hang has improved (this is my third week), but I'm not getting a consistent improvement. Will this come with time? As a side note, my whole life I've been a "turtler" and my flaccid has fluctuated throughout the day to various extremes.
Also I have some questions for those who are reading.
-My post PE "pump" never really lasts too long.within a few minutes it starts to retract? Is this normal or an indication I am overdoing it?


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Pilot Ballpoint Pen Super Grip G 0.27 mm black 40 pieces
For super smooth writing and quick drying ink
The tungsten-carbide tip is one of the toughest around, delivering the waterproof oil-based ink page after page - and once you've run out, you can simply refill the SUPER GRIP G and keep going.
€34.43 incl. VAT
The pen features a distinctive 'grid' design on the ergonomic rubber grip which not only looks great but also means you can write in comfort for extended periods.
You get 40 ballpoint pens (30 + 10 free) in black colour in this pack
Viking No. 8349609 EAN/UPC 3131910516309
Free delivery
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Book your place at https://events.bcs.org/book/159/
26th January 2012
Time: Evening session for 2 hrs - 18:30 registration, 19:00 start, 20:30 end, 20:30 - 21:00 Q&A + Networking session
Location: Room NW205 in The Newton Building, Avenue Campus, University Of Northampton, NN2 6JD
- Introduce Cryptography for Beginners
- Refresh some Crypto concepts for Experts
- Learn some Best practices
- Interactive session with "Crack some code" examples
Target Audience: Students, Fresh graduates, IT professionals, Developers/DBAs and anyone with general interest in Cryptography. All welcome.
- Cryptology
- Cipher Exercise
- Cryptography
- Cryptanalysis
- Some Best Practices
- Database Encryption
- Crypto Challenge (competition)
- You need to only have general awareness of IT and Computer Security concepts
- Willingness to learn about this field and its concepts
- This session does not delve into the mathematics of cryptography and is suitable for absolute beginners
- If you like solving puzzles then you might enjoy some of the exercises during the interactive session
For further queries please contact - firstname.lastname@example.com
Book your place at https://events.bcs.org/book/159/


text: Blackberry Barleywine is a reddish amber color with a perceived purplish hue that may or may not actually exist. It's thin, wispy head dissipates quickly. It has a dark fruit aroma with only a touch of blackberry. Flavors consists of bready malts up front with a bouquet of strong fruit flavors including cherry, plums and blueberry. The taste starts off fruity and bold in the beginning, then smooth and sweet in the finish. The blackberry flavor exists mainly as a tartness in the aftertaste as the thick beer coats your mouth. There is quite a bit of booziness, as a barleywine should, but there is very little kick. An oaky quality and the strong fruit flavors keep this a drinkable and very accessible barleywine.


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and we love it when she does that! our best wedding coordinator in the world, nancy park of so happi together, said the nicest things about Casey and I, our engagement shoot, our wedding trailer and our awesome vendors. we are so happy with how everything turned out and so thankful for everyone's hard work! check out her blog- especially the part about us!
Friday, October 29, 2010
our awesome wedding coordinator talks about us!
Posted by I Just Want Some Pants at 9:32 AM
Labels: coordinator, trailer
1 comment:
- Drew Watts said...
I am pleased to know about your wedding function and I am sure everyone gonna love to read this information. Well, I am planning to arrange my cousin's wedding so I am in search of best wedding venues Chicago and this info will be helpful to me. Hope to find a nice venue in advance.
- September 29, 2016 at 1:26 AM
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Remember Our Heroes
Army Spc. Matthew M. Pollini, 21, of Rockland Mass.
Spc. Pollini was assigned to the 772nd Military Police Company, Massachusetts Army National Guard, Taunton, Mass.; died Jan. 22, 2009 at Forward Operating Base Delta, near al-Kut, Iraq, of injuries sustained during a vehicle rollover.
'We had lots of plans,' widow says
The Associated Press
ROCKLAND, Mass. — Rockland is mourning a soldier family members say has died in Iraq.
Twenty-one-year-old Pfc. Matthew Pollini was serving with the 772nd Military Police Company, an Army National Guard unit from Taunton. Flags flew at half-staff in Rockland and the town posted a memorial notice.
Erica Pollini told The Patriot Ledger of Quincy her brother "was a talented, loyal person" who joined the National Guard two or three years ago. She said his unit was activated last fall and he was due home in October. Joseph Pollini told WBZ-TV his older brother "was a hero, a hands-down hero," and said he followed his brother into the same Guard unit, a dream of service they shared.
Pollini's 20-year-old wife Sarah, whom he married Dec. 22, told The Patriot Ledger, "we had lots of plans."
Funeral for Rockland soldier scheduled
The Associated Press
ROCKLAND, Mass. — A soldier from Rockland who died in Iraq last week will soon be laid to rest.
The funeral for Spc. Matthew Pollini will be held Feb. 2.
The Enterprise of Brockton reports that students from some of the town's schools will stand along the route as a horse-drawn caisson followed by Pollini's family makes its way down Union Street to Holy Family church.
Members of the National Guard's 772nd Military Police Company, Pollini's unit, will march with the casket.
A wake for Pollini will be held Sunday at Magoun-Biggins Funeral Home in Rockland.
The 21-year-old Pollini got married last month just days before he shipped out to Iraq. He died when the vehicle he was in rolled over.
Soldier remembered as fun-loving 'goofball' by family
The Associated Press
Erica and Joseph Pollini laughed and cried as they talked about their brother, Matthew M. Pollini. They said he was fun-loving, a "goofball" who liked to make people laugh. "We want the world to know he was a great person," Erica said. "He still is a person to me."
Pollini, 21, of Rockland, Mass., died Jan. 22 near al-Kut of injuries sustained during a vehicle roll-over. He joined the Army National Guard in 2005 and was assigned to Taunton, Mass.
He and his wife, Sarah, were married Dec. 22 in a small ceremony in his parents' living room. Matthew left Dec. 26 for a 10-month tour of duty.
"He was a really loyal, trusting person. He always wanted to help people. He was always there to help people. He was always cracking jokes and laughing. He really was the most honest person I ever met," said his wife.
In October, when Matthew was due back in Rockland, he planned to take his wife on a "mini honeymoon" to Cape Cod. They planned to renew their wedding vows and have their "dream wedding" in 2012.
"He would do anything for me. He was always there for me," said a brother Joseph Pollini, 17.
Army Spc. Matthew M. Pollini was killed in action on 01/22/09.


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Saturday, December 19, 2009
Lena's Christmas Dress
Friday, December 11, 2009
Friday, November 6, 2009
The Latest for Lena
Sunday, October 25, 2009
The Great Pumpkin Event
The caterpillar was tired by the time the ward party started. He fell asleep in the car on the way there, but he managed to have some fun anyway.
Landon had to do a double take when he saw Aaron in his costume. It turned out pretty cool. Although he did have a hard time doing some things with all those legs in the way. He said he wished they were functioning legs and he could use them to do things.
Saturday, October 3, 2009
Baby Food Jars and Halloween
Here are mine:
I have a lot of baby food jars so I want to try this other idea that I saw here. She made her baby food jars into little festive treat jars for halloween, but you could really do it for any occassion. Like I said, I have a lot of baby food jars so if any of you ladies that live close want to come over with your kiddies sometime and try out the jack-o-lanterns or treat jars with me it could be fun. Plus then Landon would have someone to play with while I am crafting. :)
Tuesday, September 29, 2009
Pumpkin Roll
Here is the recipe:
Beat 3 eggs on high speed of mixer for 5 minutes. Gradually beat in 1 cup of sugar. Stir in 2/3 cup pumpkin and 1 Tbsp lemon juice. Stir together 3/4 cup flour, 1 tsp baking powder, 2 tsp cinnamon, 1 tsp ginger, 1/2 tsp nutmeg, and 1/2 tsp salt. Fold into pumpkin, spread in greased, floured pan. Bake at 375 for 15 minutes. Turn out onto towel sprinkled with powdered sugar. Roll towel and cake together, cool. Filling: 1 cup powdered sugar, 6 oz. cream cheese, 4 Tbsp butter or margarine, 1/2 tsp vanilla. Beat smooth, spread over cool cake. Roll, wrap in tin foil and chill.
Tuesday, September 22, 2009
Photoshoot of Lena
Saturday, September 19, 2009
New dress
Tuesday, August 25, 2009
Thursday, August 20, 2009
Thursday, July 30, 2009
Monday, June 22, 2009
Hooded Baby Towel
It was really easy, I just cut a towel in half and a washcloth in half, hemmed it, added a little ribbon - voila!
Monday, June 1, 2009
Monday, May 25, 2009
Tuesday, May 5, 2009
I really love it, but my favorite part is how we got the fabric. I don't know how many of you bring your husbands and sons to the fabric store, but I don't think its the most common thing. However, Aaron and Landon go with me fairly often. I really enjoy having them come. Aaron is really good about saying "yes, dear, that's great. yeah, I like that too." etc. Plus he can keep an eye on Landon. So, that is usually what he does.
Well, one time I took them to the fabric store and I'm looking at some fabric or whatever and Aaron wanders down the aisle a little ways, pulls out a bolt of fabric and goes "Hey, what about this one?" (and he's pretty excited about it). It made my heart sing. Even if the fabric had been totally ugly I would have bought some, but, no, my husband has very good taste in little girl fabric ;) and he knows me really well. The fabric was the most adorable green leaves with ladybugs print (seen in the photo above). I was so excited, but I tried not to act overly joyous about the fact that he picked it because that might cause him to never do it again.
I even had him pick between a couple patterns which dress I should make out of it. So, this is the dress Aaron picked for his little girl. So cute! He is going to make such a fantastic daddy to a little girl.
Friday, April 17, 2009
This is a blanket that my mom was given when I was born. It is darling! It has four squares that hav pockets for a little doll to go in. One that is a cradle, tub, buggy and highchair. So cute! But I guess I was a little hard on the doll - very well loved. So my mom kept the blanket for me, but not the doll. So, I made a doll myself. I had no pattern or guide or anything. I made it up. And I think it turned out pretty cute.
Tuesday, April 14, 2009
The Jungle Room
The Mural:
This is just as you walk in.
This is the awesome quilt my mom made for him.
I love the bamboo and I made the curtains.
The bookcase with all his jungle stuffed animals.
Now I just have to get up the courage to let my little baby sleep in a big boy bed in a big boy bedroom. :( I just don't want him to grow up!
For my kiddos
This is one of my favorite projects. And it was super easy. I love to do things for Landon, but it seems like there is so much more out there for little girls. So, I was thrilled when I found this idea here for little boys! I love the way it turned out and can't wait for him to wear it.
For Lena:
I still love making things for little girls too. I made this dress out of the exact same fabric used for my bridesmaid skirts and groomsmen ties when we got married in August 2005. How fun is that?! My mother-in-law still had some that was left over, so when she found out I liked making dresses for my baby-to-be she gave it to me.


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Matt Smith 'This Morning' Interview
This pre-recorded interview with Matt Smith was show earlier today on ITV1's 'This Morning'.
Alison Hammond meets the eleventh incarnation of the Doctor, Matt Smith.
He's demolished the Daleks, vanquished the Venetian Vampires and faced the tears of the Weeping Angels - but which monster scares the Time Lord the most?
Find out what happened when Alison Hammond caught up with The Doctor, Matt Smith.
(Source: This Morning)


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9A Swanpool Walk, WR2 4EL Worcester St. Johns, Room
£425.00 pcm
Interested in this property? Call 01905 420605 or 07776 20 10 10 Enquire Online
Description Stunning double ensuite room available in a popular area of St Johns, close to all local amenities. The property offers large open plan kitchen / communal lounge and off road parking. A weekly cleaning and maintenance team service the building to ensure high standards throughout. Bills are included in the monthly rent and no deposit required.
- Furnished Room
- En Suite Facility
- Communal Lounge
- Bills Included
- Weekly Cleaner
- Professional Tenants
- Off Road Parking
- Swanpool Walk
Contact us about this property
- = Transport
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Call 07776 20 10 10 or 01905 420605 now for more details
Due to our insurers we are unable to accept children, large pets or tenants receiving any form of benefits
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Marine Resources do Movember
1st November 2013
Friday 1st November 2013
The event encourages men to start November clean shaven and grow a moustache in aid of charity. Shaping of the beard is encouraged and there is no limit; the more ridiculous the better!
The aim is to help raise awareness of the types of cancer that affect men in particular and to help men bring awareness of how to check for the symptoms.
One of our own Recruitment consultants Ben Lee will be supporting this worthy cause. Will any of you be taking on the challenge this November?
Follow Ben's journey throughout Movember via our Facebook page as he starts out bare faced and watch the mo grow!
Sponser Ben via his Movember page here – http://uk.movember.com/mospace/7144029


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$1M Offered For Dorothy's Stolen Wizard Of Oz Slippers
You know what they say: "There's no place like home." Nearly 10 years after actress Judy Garland's ruby red slippers from the "Wizard of Oz" were stolen from a museum, an anonymous donor has offered a $1 million reward for credible information leading to the shoes being found, CBS reported. That's an expensive ticket home for the sequined slippers.
The late Garland wore the missing slippers in the classic fantasy flick "The Wizard of Oz" (1939). The shoes were stolen nearly 10 years ago -- the anniversary of the theft is in August -- from the Judy Garland Museum in the actress' hometown of Grand Rapids, Minnesota. The anonymous donor drives a hard bargain for the hefty prize, requiring the exact location of the slippers and the name of the thief.
When they disappeared, the slippers were insured for $1 million. But that value has increased in the last decade. The ruby reds' value could be $2 million to $3 million now, John Kelsch, executive director of the Judy Garland Museum, told the Associated Press. Kelsh said the mysterious backer hails from Arizona and -- in what is perhaps an understatement -- is a huge fan of Garland.
There are three other known pairs of slippers made for the classic film in existence. One is displayed at the Smithsonian Institution in Washington and another pair was bought in 2012 for a planned museum for the Academy of Motion Pictures Arts & Sciences.
The Wizard of Oz starred Garland as Dorothy, Frank Morgan as the wizard, Ray Bolger as the scarecrow, Bert Lahr as the cowardly lion and Jack Haley as the tin man. The musical film is largely considered one of the greatest movies in history, and has a 99 percent rating on Rotten Tomatoes as well as a perfect four-star review from the late critic Roger Ebert.
CBS reported anyone with information about the slippers' whereabouts should call the Grand Rapids, Minnesota, Police Department at 218-326-3464.


text:
Coach Legacy Accordion Zip In Signature Large Pink Wallets FCQ Outlet Sale
Availability: In Stock
Coach Purses For Cheap
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Recruiting Board Members
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If you are interested, please DO NOT APPLY via volunteermatch. Copy the following URL to your browser, and apply via our application system: https://jobsp4l.has-jobs.com/board-of-directors-member-atlanta-ga/55489/0
Passion for Life (P4L) The mission of Passion for Life is to help high school students identify their passion and to help them create a plan to turn into a rewarding career.
Passion for Life, Inc. is seeking individuals with Senior Level Executive experience with a commitment to grow and expand the impact of the organization. Our Board Members operate as change agents leading the charge in fulfilling the organization's mission, partnering with the Executive Director and working collaboratively to manage a high-performance management team.
The Primary role of the Board is the raise funds for the operating budget of the organization and to leverage network and contacts for the furthering of the organization's mission. The board also ensures that the organization is fiscally responsible, accountable and sustainable.
About the Role of Board Director:
We are looking for professionals that have an expertise in the following industries: Human Resources, Sales, Marketing and Public Relations, Finance (CPA or Banking), Event Planning, Fundraising/Grant Writing, and Operations (Process Management).
Time commitment:
Please be advised that attendance and full participation in P4L programs and events are essential. It is vital that potential board members understand that P4L requires a minimum time commitment of six (8-10) hours per month (including monthly board meetings). The board term average is 1-2 years.
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|01 Jan 2010
W7 x64
Lens could be dusty... high pressure air might help blow away any cobwebs...
Suggest you use an 80 strand UDMA cable and ensure the drive is the sole device on the cable, jumpered as master...
Can't think of much else to try offhand - but thank you for the +rep :)
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The year of 2017 saw a higher number of online shoppers from Tier II+ and Tier II cities. The growth in online shoppers grew three times faster than metro cities.
Growth in number of unique shoppers from 2016 to 2017 in Tier II+ cities registered an advance of 34 percent, a report by Redseer Research revealed.
"Tier-II+ online shopper population is the growth driver for e-tailing - growing three times faster than metros," the report said.
"E-tailing industry saw a rapid increase in the number of shoppers in T2+ cities in 2017 contributing nearly 41 percent of the overall online shoppers in 2017. This is going to be the significant lever for the growth of e-tailers in Indian market in 2018 as well," the report added.
E-commerce websites hosted a number of online sales all through last year. The month of October that flags off the festive season in India with Ganesh Chaturthi and Dussehra saw three festive season sales all held in succession to the previous sale.
Amazon and Flipkart, the two stalwarts and e-commerce majors of India have also witnessed a higher number of online shoppers from Tier II cities.
Flipkart said 65 percent of shoppers were from Tier II cities during the festive sale days last year.
While Amazon on the other hand said the company registered 85 percent new customers coming from tier II and III cities in the festive sale days of September 2017, compared with 70 percent during last year's sale. – Zee Business


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Cover image: Kirill_makarov/Shutterstock.com
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Copyright © 2017 by Cognizant Technology Solutions U.S. Corporation. All rights reserved
Published by John Wiley & Sons, Inc., Hoboken, New Jersey
Published simultaneously in Canada
No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise, except as permitted under Section 107 or 108 of the 1976 United States Copyright Act, without either the prior written permission of the Publisher, or authorization through payment of the appropriate per-copy fee to the Copyright Clearance Center, 222 Rosewood Drive, Danvers, MA 01923, (978) 750-8400, fax (978) 646-8600, or on the web at www.copyright.com. Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030, (201) 748-6011, fax (201) 748-6008, or online at www.wiley.com/go/permissions.
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Library of Congress Cataloging-in-Publication Data:
Names: Frank, Malcolm, author. | Roehrig, Paul, author. | Pring, Benjamin, 1962- author.
Title: What to do when machines do everything : how to get ahead in a world of AI, algorithms, bots, and big data / Malcolm Frank, Paul Roehrig, and Ben Pring.
Description: Hoboken, New Jersey : John Wiley & Sons, Inc., [2017] | Includes index.
Identifiers: LCCN 2016049472 (print) | LCCN 2017004469 (ebook) | ISBN 9781119278665 (cloth) | ISBN 9781119278672 (pdf) | ISBN 9781119278689 (epub)
Subjects: LCSH: Automation. | Information technology—Economic aspects. | Technological innovations—Economic aspects.
Classification: LCC HD6331 .F664 2017 (print) | LCC HD6331 (ebook) | DDC 658/.05—dc23
LC record available at https://lccn.loc.gov/2016049472
We know what you might be thinking: When machines do everything, what am I going to do? It's a good question.
If machines can do everything, then how are humans going to make a living? How are we going to pay the rent or mortgage or put food on the table? How are we going to survive when software eats all the knowledge work?
Even if you have reached a stage in your career in which you feel safe from the rise of the new machines, how will your children thrive when computers can out-think, out-work, and out-manage them? What do they study? Where do they focus? And will they have any chance of living a life as good as yours?
At work, how should your company be structured when so much can now be automated? What will happen to all those middle-class, middle-management knowledge jobs that currently stand as the economic bedrock of our society?
These are all good questions—the right questions—for indeed, something very big is going on.
The rise of artificial intelligence is the great story of our time. Decades in the making, the smart machine is leaving the laboratory and, with increasing speed, is infusing itself into many aspects of our lives: our phones, our cars, the planes we fly in, the way we bank, and the way we choose what music to listen to.
Within the next few years, AI will be all around us, embedded in many higher-order pursuits. It will educate our children, heal our sick, and lower our energy bills. It will catch criminals, increase crop yields, and help us uncover new worlds of augmented and virtual reality.
Machines are getting smarter every day and doing more and more; they will soon change our lives and our work in ways that are easy to imagine but hard to predict. So what does one do?
These are the questions that have been going through our minds for a while, too. Anyone with a casual interest in the future can see these issues swirling through the zeitgeist at the moment: in movies (Ex Machina and Her), on TV (Black Mirror, Humans, and Battlestar Galactica), in books (Superintelligence and Rise of the Robots), and in countless articles in the press. But we have more than a casual interest in the future.
As the leaders of Cognizant's Center for the Future of Work, it is our job to figure out how the future of work works. We engage with many of the world's leading companies, universities, analysts, technologists, and economists to make sense of the great change we are all experiencing as well as to fathom how work will be reimagined, reconfigured, and restructured in the years to come. We do this to understand how new technology will shape the opportunities we have and the threats we face and to foresee how man and machine will relate and coexist.
So we've spent the last three years thinking about what to do when machines do everything, separating the hype from the reality on the front lines of global business.
The book you're holding contains our answers to these questions.
The bottom line? It's going to be all right. In fact, better than all right, because AI is about to usher in a new industrial revolution that, for those who manage it properly, will generate significant economic growth.
Will the new machines displace many current workers? Yes. However, on a larger scale, new machines will also create work that is better, more productive, more satisfying than ever before. The new machines will raise living standards and usher in a period of widely distributed economic growth that will be far stronger than any we've seen in the Western world during the past 50 years.
But there's a catch, which is expressed in the "what to do" part of the title of this book.
You and the company you work for and represent must accept, embrace, and leverage the fact that, minute by minute, machines are doing more and more of the work we perform today. That is the underlying assumption at the heart of this book.
This is where many people get stuck. They start tumbling down existential wormholes: Will machines need us? Who will control the machines? Will machines act in the best interests of humanity? Again, these are great questions that prompt fascinating discussions, all of which we like having as much as the next person, particularly with a glass of red wine on hand. But these discussions don't help you know what to do.
If you want to read about the big philosophical debates about what AI might do in the next 25 years, this is not the book for you. But if you want pragmatic advice on what AI will do in the next five years, then this is definitely the book for you.
While some have their heads in the sky, others have their noses to the grindstone. While some will ponder, winners will act.
This book aims to answer questions about the future of your business and your work in an era of intelligent machines. It explains how you as an individual and as a leader in your organization can survive and thrive in a world where machines do everything. This book explains what you should do, why, and what will happen if you don't.
We wrote this book because we are in an amazing time. Though we are professional students of the future, the three of us are students of history as well. Understanding the great shifts of the past provides a framework for understanding how change happens in the here and now. The rise of machine intelligence is such a moment of great change. Our children and grandchildren will study these times just as we study James Watt, Andrew Carnegie, and Thomas Edison.
It's time to build our own future, complete with a sense of optimism and confidence. When machines do everything, there will still be a lot for you to do. Let's get on with it.
Artificial intelligence has left the laboratory (and the movie lot) and is in your building. It's in your home. It's in your office. It's pervading all the institutions that drive our global economy. From Alexa to Nest to Siri to Uber to Waze, we are surrounded by smart machines running on incredibly powerful and self-learning software platforms. And this is just the beginning.
To date, we've been enjoying—without even really noticing—various forms of "weak" artificial intelligence (AI). It's how Amazon recommends just the right gift. How Netflix suggests the perfect film for your Sunday evening. Or how Facebook fills your newsfeed. These forms of AI have been welcome little helpers, making our days just a bit easier and more fun. Once we start using them we stop thinking about them. In just a few short years, these machines have become almost invisible to us in our personal lives.
Now AI is transitioning from being our little daily helper to something much more powerful—and disruptive—as the new machines are rapidly outperforming the most talented of us in many endeavors. For example:
We could go on and on with many more examples, but the point is clear; the new machines have already surpassed human capability in many ways. Moreover, with the geometric growth in the power and sophistication of these platforms, this is only a preview of coming attractions.
Thus, this rapid expansion of AI leads us to ask some big questions:
In the coming pages, we will answer these questions in a structured and practical manner. Based on our cumulative 100 years of experience analyzing and charting shifts in business and technology, we are fully convinced that we're now moving into a new economic era, one that will change the nature of work and the basis of competition in every industry. In this new economy, we will witness an expansion of what is possible and move from machines that do to machines that appear to learn and think.
What the World Economic Forum hailed in 2016 as the Fourth Industrial Revolution is now upon us: a time of economic dislocation, when old ways of production give way to new ones, and when those who can harness the power of the new machine will harvest the bounty of economic expansion.5 In the same manner that the First Industrial Revolution was powered by the invention of the loom, the second by the steam engine, and the third by the assembly line, the fourth will be powered by machines that seem to think—what we refer to in these pages as "systems of intelligence."
This is leading to what we call the "know-it-all" business, in which leaders and managers can and should have a continuous awareness of all that is occurring in their company's operations. Where we used to guess, now we can know. These new machines—always "on," always "learning," and constantly "thinking"—will soon challenge and enhance the intellect and experience of even the savviest professionals in every sector. There's no way to escape the gravitational pull of these new machines and the business models that enable and leverage them.
As such, whether you are managing a large enterprise or just starting your first job, deciding what to do about the new machine—this new cocktail of AI, algorithms, bots, and big data—will be the single biggest determinant of your future success.
For the past decade, we've collectively enjoyed "digital that's fun." We've seen the incorporation of Twitter (2006), the introduction of Apple's iPhone (2007), and Facebook's IPO (2012). These companies, along with others, such as Google, Netflix, and Amazon, have been able to generate unprecedented commercial success in terms of customer adoption, daily usage, and value creation by changing how we communicate and socialize. Yet, history will note that we started the digital revolution with the amusing and the frivolous: Facebook posts, Twitter feeds, and Instagram photos. We are using the most powerful innovations since the introduction of alternating current to share cat videos, chat with Aunt Alice, and hashtag political rants. However, that's just the warm-up act, for we haven't yet begun to fully realize the potential of the new machines.
Technology writer Kara Swisher summed it up best when she said, "In Silicon Valley, there's lots of big minds chasing small ideas."6 Well, we're entering an era of big brains focused on big ideas—digital that matters—using these technologies to transform how we are educated, fed, transported, insured, medicated, and governed.
While companies such as Facebook, Amazon, Netflix, and Google (sometimes known as the FANG vendors) seem to have established themselves as the presumptive and eternal winners in this space, history will likely remember them as the precursors to a much more momentous and democratic economic shift. The next wave of digital titans probably won't be characterized by start-ups from Silicon Valley; instead, it will be made up of established companies in more "traditional" industries—in places like Baltimore, Birmingham, Berlin, and Brisbane—that figure out how to leverage their longstanding industry knowledge with the power of new machines.
We're starting to see this play out as we collectively work to apply systems of intelligence to help address some of our most vexing societal ills in areas where digital technology is not just entertaining or convenient but also life-altering. Certainly, many of our institutions—the pillars of our society and our everyday lives—are ripe for improvement.
For example, worldwide we lose 1.2 million lives to car accidents annually, with more than 94% of these accidents a result of human error.7 In the United States alone, these wrecks cost society over $1 trillion. This is nearly one-third the amount the U.S. federal government collects in individual income taxes.8 Driverless cars promise to save countless lives and heartache.
One-third of all food produced in the world goes to waste. The food wasted in rich countries alone is almost enough to feed all of sub-Saharan Africa.9 By instrumenting the supply chain and applying AI, we could literally feed the world.
Medical misdiagnoses could also plummet. Right now, 5% to 10% of trips to the ER results in a misdiagnosis.10 More than 12 million diagnostic mistakes contribute to 400,000 deaths caused by preventable errors each year, and that's just in the United States.11 Applying data to the diagnostic process could dramatically improve patient outcomes.
The United States spends more per student on secondary education than most other countries in the world but generates mediocre results. In a recent international study, American students achieved scores far below those in many other advanced industrial nations in science, reading, and math.12 By tailoring lessons to the individual learning style of each student through technology, we could make the education process radically more productive and effective for both students and teachers.
These are the sorts of big things that we can address with the new machine. It's digital with purpose and digital that matters, and the big brains bringing these innovations forward will not necessarily reside in Silicon Valley or an MIT dorm room. They may well be sitting in an office down the hall at your company.
For example, McGraw-Hill Education is applying new technology to help teachers and kids improve learning with a system called ALEKS. The artificially intelligent Assessment and LEarning in Knowledge Spaces system uses adaptive questioning to quickly and accurately determine exactly what a student knows and doesn't know in a course. ALEKS then instructs the student on the topics he or she is most ready to learn. As the student works through a course, ALEKS periodically reassesses the student to ensure retention. All of this results in more flexible, one-on-one instruction for students, which boosts student success. And for teachers, ALEKS helps take over some of the more routine—and, let's say it, boring—work to allow them to focus more intently on working with students. Discovery, one of South Africa's leading insurers, uses its Vitality platform to provide economic incentives—discounts on travel, entertainment, healthy food, gym memberships, sports equipment, health products, and the like—to its members based on whether they participate in healthy behaviors. Members earn points by logging workouts with connected fitness devices and purchasing healthy food (also logged by swiping their Vitality card). The insurance sector may not be known as a hotbed of innovation, but Discovery has built a thriving business based on the value derived from the new machine.
Another area ripe for reinvention is managing our money. Jon Stein doesn't look like a Wall Street Master of the Universe—just the opposite, in fact. In his mid-30s, dressed in blue jeans and a mildly tattered shirt, he works not in a financial citadel but in a relaxed loft-like space. His language is not full of bravado and bombast but is casual, considered, and humble.
Yet Stein is turning his corner of the banking world, personal wealth management, on its head. His company, Betterment, has rapidly become one of the world's leading "robo-advisors," leveraging AI platforms to rewrite the rules of the financial advisory business. Betterment provides highly personalized, curated wealth management services 24x7. His system of intelligence is doing the work of hundreds of people and is doing it better, at a fraction of the cost.
Millions of investors—millennials, Gen-Xers, and baby boomers alike—are flocking to the platform. From the beginning of 2015 to mid-2016, Betterment's assets under management grew from $1.1 billion to $5.0 billion13,14 and for good reason. Betterment has created a bigger pie for wealth management services because it can attract new customers that traditional banks wouldn't touch. Traditional "bulge-bracket" investment banks (e.g., Goldman Sachs, Morgan Stanley, Credit Suisse, etc.) often do not offer personalized wealth management services to anyone with less than $1 million in assets; the margin isn't there, given their one-to-one advisory business model. So where does that leave the other 99.9% of the population that is interested in having their money professionally managed?
Betterment started by focusing on HENRY (high earners, not rich yet). These are young professionals in their 20s and early 30s: lawyers, doctors, and managers starting their careers armed with great educations…and the associated student debt.
Traditional wealth managers won't touch HENRY, but Betterment welcomes anyone with money to invest. And as each new customer comes on the platform, the system gets smarter, providing better value to each individual participant: on the spot, empirically based, unspun counsel on investment strategy, portfolio allocation, and tax management.
Robo-advisers, collectively, have more than $50 billion in assets under management today (and are estimated to have over $250 billion under management by 2020) and are taking aim at the $20 trillion worldwide that is currently being managed by 46,000 human financial advisors at traditional banks.15
Now, we don't know whether Betterment will ultimately emerge as the long-term winner in this new form of financial advisory services, but the company does demonstrate how new machines are disrupting traditional ways of work. Such widespread adoption is creating shock waves in both the financial services and technology industries.
Stein, and others who have figured out the new game, are nothing short of the Henry Fords of our time. They understand today's new raw materials (big data). They have built and now operate the new machines. And, most important, they have surrounded these new machines with business models that generate remarkable growth and profitability engines while expanding the overall market.
The story of robo-advisors in wealth management is about to be replayed a thousand-fold across all sectors of our economy. So the question becomes: Will you play, or stand on the sidelines?
We have already proven that we love to consume AI-based products (with our rabid usage of the FANG vendors' offers on our smartphones). And, through digital that matters, the new machine is poised to transform the primary institutions of our society for the better.
Yet once we get over our initial awe of the new machine, we start to wonder how it will impact jobs. What will happen to all those bankers, drivers, radiologists, lawyers, and journalists? What will happen to…me? Will a robot take my job?
Many of us don't know whether this Fourth Industrial Revolution is very good or very bad. It all starts to feel like a capitalist's dream…but a worker's nightmare. And the uncertainty is creating a palpable sense of anxiety, for at a personal level, many of us don't know what to do about it.
Some see only the dark side of this shift, and indeed, many of today's headlines forecast a grim future in a "jobless economy" as robots take over our livelihoods. But the coming digital boom and build-out we describe in the next chapter will be highly promising for those who are prepared. In fact, it will usher in once-in-a-century growth prospects as we reengineer our infrastructure, our industries, and our institutions. Similar to the prior three industrial revolutions, this one will steamroll those who wait and watch, and will unleash enormous prospects and prosperity for those who learn to harness the new machine.
All of this depends on what you do now to prepare for an era when machines can potentially do nearly everything related to knowledge work.
Will many jobs be "automated away" in the coming years? Yes. However, for the vast majority of professions, the new machine will actually enhance and protect employment. We don't think, for example, that a single teacher or nurse will lose their job due to artificial intelligence. Instead, these professions will become more productive, more effective…and more enjoyable. Workers in such professions will come to view the new machine as their trusted colleague. Just as one wouldn't think of driving across London today without an AI-based GPS, or researching a subject without referring to Google and Wikipedia, most workers in the coming years would not consider approaching their daily tasks without a "bot" at their side.
Additionally, entirely new professions will be created, driving employment in fields we can't currently envision (imagine trying to describe a "database administrator" to somebody in 1955). We have much to look forward to if we understand exactly what the new machine can and cannot do and how it will impact the future of work. Some very clear patterns for success have emerged, and we'll spend the rest of the book framing what's going on and providing tactical guidance on how to win in the new digital economy.
We've written this book to provide you with a roadmap, a guide to success for this time of transition. First, we will outline what the machine actually is: how it's built, what it can do, and what it can't do. We will then look at where it can best be used today and tomorrow. What industry problems can it solve? What new customer value propositions can it create? Third, and most importantly, we will give you a structured approach for moving forward with our AHEAD model, which is based on our work with Global 2000 companies at the vanguard of the digital transition.
Briefly, AHEAD outlines the five distinct approaches for winning with systems of intelligence. The acronym stands for:
These are five specific approaches—plays, if you will—for winning with AI, each with its own set of approaches and tactics. In the coming pages, we will utilize this model to demystify the application of the new machine in your business.
The first play—to automate—is the one most prevalent in today's zeitgeist. Automation has been the initial step in each industrial revolution, as one loom replaced 40 textile workers or one steam engine had the power of 50 horses. Today, automation will be a similar necessary "evil," because it's how you will deliver at the "Google price" in core portions of your company. However, what most market observers miss is that the next wave of automation will pave the way for invention and economic expansion through the four subsequent plays.
This one-two of efficiency plus invention will manifest itself across all industries. Banking will become more efficient and personalized. Health care will become more transparent and effective, generating much better outcomes. Manufactured goods will become more interactive, intuitive, and reliable. Our food system will be less wasteful and produce higher quality goods. Education will be enhanced and individualized, and government services will be upgraded and more cost-effective. And, as outlined previously, much of this shift will not be driven by companies that were started last year or even 10 years ago but by companies started by our grandparents. This is because those companies have access to the richest lodes of data, the "fuel" for the new machine.
Much has already been said and written about the potential impact of the new machine on society. We wrote this book not for policy wonks and academics but rather for people in organizations large and small that are trying to make the best decisions possible for their businesses and their own jobs. We aren't naïve to the fact that business happens in a wider context, but we can't all sit around waiting for politicians to improve education or to pass huge spending bills to enhance infrastructure or enact a universal basic income. We need to act today in the world as it is. You can rest assured that if you don't act now, others will.
The title of this book is What to Do When Machines Do Everything. This may sound a bit hyperbolic, and clearly machines will never do everything and nobody really wants them to. But in the next few years the new machines will continue to amaze, will be embedded most everywhere and in most everything, and will increasingly do more and more of the work people do today.
Technology is no longer the domain of the few but the province of the many. As such, those who win in the next phase of the digital economy are not those who can create the new machines, but those who figure out what to do with them. This book is your field guide.


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"There's been a lot of interest in what I read lately. Well, I was reading my copy of today's New York Times and I was really interested to read about Barack's friends from Chicago. Turns out, one of his earliest supporters is a man who, according to The New York Times, was a domestic terrorist and part of a group that, quote, 'launched a campaign of bombings that would target the Pentagon and the U.S. Capitol,'" Palin said today, according to a transcript distributed by the campaign. "These are the same guys who think patriotism is paying higher taxes. This is not a man who sees America as you and I do — as the greatest force for good in the world.
"This is someone who sees America as imperfect enough to pal around with terrorists who targeted their own country," Palin concluded, in the hardest shot of the statement.
I think Tuesday night at the Town Hall you can expect Obama to spend all of his time discussing William Ayers and why he does or does not wear a flag pin.


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Biological Molecules – AS Material
- The study of biological molecules forms an important branch of biology known as molecular biology.
- The term macromolecule means giant molecule.
Saccharides or Carbohydrates are composed of only three elements: Hydrogen, Carbon and Oxygen. Chemical re-arrangements within carbohydrates provide organisms with a system used to give or store energy.
Some of the most important carbohydrates are:
- Glucose – energy source, monosaccharide
- Starch – energy store, polysaccharide, plants
- Glycogen – energy store, polysaccharide, animals
- Cellulose – cell wall, polysaccharide, plants
- Chitin – cell wall, polysaccharide, fungi
1.1.1 Monosaccharides
1.1.2 Disaccharides
1.1.3 Polysaccharides
1.1.4 Practicals


text: This intimate production features two brilliant characters - one in her fifties, one her twenties - each with her own take on the controversial debate surrounding the theory of evolution. In this funny, gripping new play, a mentor and her protégé bond and spar over the personal and professional consequences of their own diametrically opposed theories. Fast and witty, inspiring and provocative, this wry gem from Sarah Treem (of HBO's In Treatment) is both engrossing and powerful.


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Key Partners Awards-Accounting
Welcome to the South Florida Business Journal's special section devoted to the Key Partners Awards. This year, we have honored those lawyers and accountants whose advice makes it possible for the region's businesses to succeed, often exceeding their most impressive goals. Certainly, our business community would find it difficult to function without them.
These professionals take their expertise and commitment to the community a step further. While business is their priority, they also give their time and resources to help many who are in need.
As you read about the Key Partners honorees, you will be inspired by their considerable achievements and by the meaningful ways they make South Florida a better place.
The MassMutual Citizenship Award honors companies for their charitable work within the region.
Honorees were recognized at a Nov. 15 event, presented by MassMutual Financial Group, at the Coral Gables offices of LINQ Financial Group.
Tax Partner, Cherry, Bekaert & Holland LLP
2525 Ponce de Leon Blvd., Suite 1040, Coral Gables 33134
(786) 693-6300
- University of Miami
Personal note
- "I played on the women's golf team for the University of Miami when they won the national women's golf championship," she says. "I am also a 'real McCoy.' My family is related to the McCoy side of the famous Hatfield and McCoy feud."
On the website of Cherry, Bekaert & Holland LLP, the phrase "Solutions. Character. Depth. The Firm of Choice." can be found on the homepage. For partner Jamie Byington, that may describe a key partner, as well.
As the firm's South Florida regional tax practice leader, she believes a key partner "is someone who is committed to the success of the firm and its continued growth." Such a leader accomplishes this through responsive and exceptional service to clients, mentoring and coaching of staff in attaining their career goals and developing future leaders of the firm, and giving back to the communities where they live and work.
Byington is a board member and finance council head of the Women of Tomorrow Mentor & Scholarship Program, alongside longtime mentor Donna Feldman, whom she met while at Arthur Andersen. Byington was recently honored at the WOT 2012 annual gala with honorary chairs Madeleine and Micky Arison.
"I strive to be a key partner by leading by example – providing excellent client service, providing training, mentoring and encouragement for my staff to grow in their career and giving back to the community where I live and work," she says.
Managing Director, Fiske & Co.
1000 S. Pine Island Road, Suite 440, Plantation 33324
(954) 236-8600
- B.B.A., University of Miami
Personal note
- "I'm a highly experienced Scuba diver and black diamond snow skier," he says. "In addition to my adventurous nature, I am a family man."
After a 12-year career with a national accounting firm and as an IRS agent in Miami, Alan Fiske founded Fiske & Co. in 1972. Over the years, he has grown the company into one of South Florida's leading CPA firms. His guidance has nurtured the firm's reputation for unparalleled expertise in business valuation and litigation consulting services.
With Fiske & Co., he put his knowledge to work for clients, both as a CPA and adviser influential in their success, as well as that of the firm. It's a role he expects of everyone at Fiske.
"A key partner is one that is vital to the firm's survival and success, especially in a smaller firm," he says. "It's a balance of doing great work, providing excellent client service and bringing in new business. A key partner understands that he or she is owner and must have the same commitment level as an owner.
In addition to managing the firm, Fiske takes an active role in directing client service and strategy as it relates to tax, business planning and litigation support services offered by the firm. He has been retained in scores of legal actions by plaintiffs, defendants, law firms and lawyers – including Glenn Smith, a longtime former Ruden McClosky key partner who helped Fiske get his start in litigation support by hiring him to testify as an expert in his first case.
From establishing its internal reputation as a competent professional, to becoming involved in the profession and community, Fiske believes his role is to serve as a valuable contributor.
Partner in Charge, Florida Region, Marcum LLP
450 E. Las Olas Blvd., 9th floor, Fort Lauderdale 33301
(954) 320-8140
- B.S.B.A. in accounting, University of Florida
Personal note
- "I am the daughter of the most amazing father whose modest beginnings ended with the ownership of Sage, a landmark Jewish deli in Hallandale Beach," she says.
In a 20-year career concentrated on forensic accounting services, Cecelia F. Garber has been called on by clients and attorneys to handle matrimonial litigation support, bankruptcy, fraud investigation, personal injury damage calculation, commercial business damage calculation and business valuation.
As partner-in-charge of the Florida region and a partner in the advisory services division, she also represents individuals and businesses in connection with income tax matters, income tax planning and compliance, personal financial statements, business consulting services and IRS representation in both criminal and civil matters, with a specialization in the aviation industry, representing one of the largest aircraft dealers worldwide, charter companies and corporate flight departments.
Garber recalls warmly the role Bruce Jacobson, a now-retired CPA who hired her in her 30s, and "taught me excellent client service as well as communication skills." Today, with that model entrenched, she defines a key partner as one who motivates her organization to strive for excellence in client service and community outreach through "constant communication and support of their partner group, as well leading by example when it comes to business community outreach and client service."
Managing Principal, Kaufman, Rossin & Co. P.A.
2699 S. Bayshore Drive, Miami 33133
(305) 857-6819
- Bachelor's degree in accounting, Ball State University
Personal note
- "Born and raised in Indiana, I played college basketball and lived the movie "Hoosiers" – only in the 1970s, instead of the 1950s," he says.
Blain L. Heckaman arrived at Kaufman, Rossin & Co. in 1984 and today is the firm's managing principal. He has served as engagement partner of public and private audit clients. As such, he believes a key partner is a professional who is a trusted adviser to business clients, one's employer and the community, whose efforts are "always performed with integrity and ethical behavior," he says.
In his time with the firm, Heckaman has come to respect Chairman and CEO Jim Kaufman as a role model and his own key partner.
A CPA in Florida and Indiana, Heckaman is a director and treasurer of Voices for Children Foundation, a nonprofit organization that raises funds for the Guardian Ad Litem program.
"I strive to play the role of a key partner by example, not only by how I practice my profession, but how I live my life," he says. "Empowering and challenging people around me to bring out the best in them. Always do the right thing."
Partner, South Florida Tax Leader, McGladrey
100 N.E. Third Ave., Suite 300, Fort Lauderdale 33301
(954) 462-6351
- B.B.A., Freed-Hardeman University
- Master's degree in accounting, Nova Southeastern University
Personal note
- "I am an avid driver of racecars and can be incredibly competitive," he says. "I enjoy the thrill of being on a track."
Gary Jenkins believes key partners are imbued with a few key characteristics: honesty, skillfulness and a keen ear for details. They can be trusted to provide honest, direct advice – whether supportive or critical. They are dutiful listeners who are humble in their approach. They lead without seeking credit, provide measurable metrics by which the performance – even morale – of all can be weighed. And they inspire others with a strategic vision.
"At McGladrey, our entire value proposition is based on listening and understanding the needs of our clients and our people," he says. "While that is our brand, I believe these are also the attributes of a key partner."
Jenkins has more than 20 years of experience providing tax consulting, planning and compliance services to individuals, partnerships and corporations, ranging from complex multinational, multistate Fortune 100 companies to single-entity, single-state operations.
A key partner also leads beyond the workplace. For Jenkins, that includes involvement in the Central Florida Bible Camp, which he attended as a camper after his freshman year of high school and volunteered at as a young adult. For the last five years, Jenkins, the son of a minister, has organized and led one of the camp's weeklong fundraising initiatives.
"The attributes [my father] exhibits in his daily life, such as seeking the best for others, providing honest feedback, being there when things are good or bad and being accessible, are the very attributes that have helped my professional success," he says.
Partner, Crowe Horwath LLP
6750 N. Andrews Ave., Suite 200, Fort Lauderdale 33309
(954) 489-4752
- B.S.B.A. in accounting, Western Michigan University
Personal note
- He and his wife, Bonnie, have scuba-dived in Indonesia, the Pacific, throughout the Bahamas and even the Great Lakes – that is, when they're not riding their Harleys
Asked to define a key partner, William Knibloe immediately thinks beyond himself to some of the people who have been key in his own career. He mentions Rick Ueltschy, partner in charge of Crowe Horwath's audit practice, and Gary Milligan, the firm's COO. In 20 years with the firm, "they've both become personal and professional friends whose perspective in life and in business I value greatly and utilize frequently."
The discussion of key partners brings up his own role as being as much a business adviser as an auditor to his clients.
"I take pride in understanding who they are, how they operate, their business philosophy," he says, "and provide guidance in now they measure and achieve success."
The CPA's role as a business adviser became clear to him when, 32 years ago, Knibloe began consulting to his father's business. An attorney said the father needed to incorporate and have a CPA.
"That weekend, he pulled out his books and I became his business adviser," he recalls of the business now led by his brother. "I suddenly understood there was story behind the numbers. When I looked at my older brother and his family, it made me see there was more to success. That eventually transferred over to my life at Crowe and my clients."
Partner, Goldstein Schechter Koch
4000 Hollywood Blvd., Suite 215-S, Hollywood 33021
(954) 989-7462
- B.S. in accounting, University of Florida
Personal note
- He recently started a charitable organization called Ryan's Song with his son to provide scholarships for music education.
Respect. Any qualified, talented and proven professional can ask for no higher praise from those around him than that, Jeffrey B. Kramer says. "A key partner is a leader within his or her firm respected by both clients and colleagues alike."
Kramer provides audit tax, and advisory services to his clients. He works with clients across a wide range of industries, including health care, wholesale/distribution, technology, real estate, hospitality, manufacturing and not-for-profit organizations.
Kramer began his career as an auditor with PricewaterhouseCoopers, was a partner in his own accounting firm for nine years, worked in key positions at several prominent South Florida accounting firms, and later served as corporate controller of a privately held manufacturing company.
Whether he's delivering client service, developing strong bonds or being committed to leadership within the organization, Kramer strives to "encourage staff development and to provide excellent client service," he says. "I consider my clients partners and believe it is important to develop a personal relationship with them beyond the business relationship."
Director in Charge of Forensic and Business
Valuation Services, Berkowitz Pollack Brant
200 S. Biscayne Blvd., 6th floor, Miami 33131
(305) 379-7000
- B.S., University of Miami
- M.S., Florida International University
Personal note
- He attended the University of Miami on a baseball scholarship.
For more than 30 years, Richard A. Pollack has served as a litigation consultant, expert witness, court-appointed expert, forensic accountant and forensic investigator. His team's creative use of accounting forensics and investigations have assisted bankruptcy courts; the SEC; municipalities, school boards and government agencies; the FBI and numerous other agencies to prove or defend against allegations.
In each engagement or when working with people across and outside the firm, his mission as a leader is the same: to be trusted and counted on for his integrity – and serve as a role model for others.
"Everyone at our firm strives to be a key partner to their colleagues and clients," he says. "It is one of our firm's core values."
His expertise and leadership extend beyond the firm, as well. As an expert witness, he has testified in both federal and state courts. A frequent speaker, panel moderator and author, Pollack co-wrote "Calculating Lost Profits," an AICPA practice guide about lost-profit damage analysis and professional standards in the field.
"I try to deliver my very best every day," he says. "I listen, I am caring and responsive, and I commit myself to true excellence. This includes strict adherence to the highest values that I pass on to our team and those I lead."
Director of Business Valuation Services, Fiske & Co.
1000 S. Pine Island Road, Suite 440, Plantation 33324
(954) 236-8600
- Bachelor's degree in accounting, University of Florida
- Master's degree in taxation, University of Florida
Personal note
- "On my 21st birthday, I had a skiing accident and spent a week in the hospital, five months in a cast, and was on crutches for a year," she says. "Despite the accident, I love skiing, and it's still one of my favorite things to do with my family."
From operations to culture to service in the community, Sheri F. Schultz believes a key partner leads many – if not all – aspects of a firm or organization. She guides the tone, and "makes all the pieces come together fluidly."
She says: "A key partner serves as the glue that helps hold the organization together and is instrumental in the development of the staff and producing profits."
Upbeat and positive, Schultz herself sets the tone at Fiske & Co. She builds esprit de corps among the workers, which encourages positive results and allows her to witness the outcomes firsthand. Moreover, in her more than two decades in practice, Schultz has learned to make certain those on the team know their roles are vital. It's a management model and personal style she learned from her father and firm head, Alan Fiske. She calls her decision to join him in practice "one of the smartest of my career."
"Everyone on the team plays an important part," says Schultz, who also has held leadership roles with the state and national CPA organizations. "In an orchestra, if one instrument doesn't play well, the whole orchestra will be off. That's how I like to think of our office: a well-tuned orchestra."
Partner, Perez-Abreu, Aguerrebere, Sueiro & Torres, P.L.
2121 Ponce de Leon Blvd., Suite 650, Coral Gables 33134
(305) 567-0150
- B.A., Florida International University
- M.B.A., Florida International University
Personal Note
- "I enjoy scuba diving," he says. "My highlight was swimming with lemon sharks in Bora Bora."
If Michael R. Torres has a calling as a key partner, it is advancing the mission and vision of the firm. It's a partner's role to create and foster trusting relationships with clients and staff, which ultimately "contribute to the overall success of the company."
By maintaining the ethical standards of the firm and continuing to grow its positive image in the community and with new and existing clients, the partner can motivate employees and "bring out their best, so they maximize their professional potential," he says.
Torres has more than 15 years' experience providing tax, accounting, audit and attestation, business consulting, forensic accounting and litigation support services to clients in broad range of industries.
He has lectured, appeared on news media, and gives back to community. He participates in fundraising efforts for kids in underprivileged neighborhoods, and he coaches team sports at his local Boys & Girls Club and his son's basketball team. Like the role he plays in kids' lives, mentors have been important in his.
"I have had a few key partners as mentors in my career," he says, "and they have all had one thing in common: ethical business advisers that serve the interest of the public."


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FitzGerald's 36th American Music Festival
Doors open at 4 pm.
IN THE TENT: The Commonheart (4:30 pm), C.J. Chenier & the Red Hot Louisiana Band (6 pm), Marcia Ball Band (8 pm), Dave Alvin & the Guilty Ones (10 pm).
IN THE CLUB: The Blisters (5:45 pm), Miles Nielsen (7:30 pm), Red Elvises (9:30 pm), Eric Lindell with Anson Funderburgh (11:30 pm).
IN THE SIDEBAR: Lonesome Still (5:15 pm), Ray Bonneville (6:45 pm), Cannonball (8:15 pm), Bunkertown (9:30 pm), Wes Chicosz Band (11 pm).
For more festival information, go to http://www.fitzgeraldsnightclub.com/about
One of Chicago's most critically-acclaimed summer music festivals (even though we're in Berwyn!). The focus is on roots and regional music, with acts, both local and national. The festival is held right on our grounds, with stages in the nightclub, SideBar and outside under our festival tents. Seating is available, as are real bathrooms, handy ATMs, Festival Tom's Cajun/American BBQ and a full bar. Under 21 welcomed with parent.


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Another week and BRRRRRRRR the cold has arrived! Today is a special day since Hanna Lu is not just 35 weeks old but eight months as well so we'll have two updates!
First for this week's…
· We are hearing the funniest espresso-machine-sounding noises from this kid; khiiiiiihhhhh, schuuuuggghhhh…
· We're still snotty but hopefully that's going to go away soon.
· We are crawling everywhere, even the traditional hand and knee crawling, but the babe is far more into pulling herself up to standing…on anything she can get to and we've had a few bumps and bruises because of this. The best place so far is her crib since she has a nice safe landing. In her crib the other day, she even took a few "cruising" steps on her own though she's far too wobbly to stand on her own.
· Not much else is new and I'll talk more about little bit in the monthly update below but this baby is just SO adorable and amazing and wonderful to us; we love her so so much and are really looking forward to her first holidays!
How old: eight months old!
Weight: I forgot to check but from recent at-home weighings I'd say almost 18 pounds. Slow and steady is the name of Hanna's growing game.
· Standing up! This kid is constantly pulling herself up whenever/wherever she can.
· Pureed baby food; she's a fan of this and I think she likes it more than regular food because we feed her and it's quick whereas she's a slow self-feeder.
· Guinness the dog…Hanna loves laughing at him. He's not so keen on her these days probably because she makes unpredictable movements towards him and grabs his fur.
· Children's Tylenol, red-dye free and cherry flavored; we gave this to her last weekend because she was pretty miserable and it went over quite well.
· Being sick – hopefully we're somewhat on the tail end of this thing or this most recent thing.
· Being tired, though she might not realize it. Hanna Lu gets a bit high maintenance {fussy} if she's tired.
· The time after her bath and before getting on her pajamas…it takes having something in her hands to distract her. I had been letting her play with the bottle of lotion I put on her but one night she dropped it on her forehead and wasn't a happy camper. It's not heavy at all so she was mostly startled but now we know better and limit it to her lovey.
· First Tylenol!
· First really cold weather…that happened today! Though the babe only spent minimal time in it.
Sleep and eat:
· Hanna drinks maybe 20 ounces of milk a day, perhaps a bit more or less? She's still not big on drinking her milk much to her mother's chagrin.
· Hanna usually eats one to four pouches of baby food a day as well as milk mixed in with baby oatmeal several times.
· Loves banana and lots of other finger foods but takes a long time to get in much so the purees seem to make baby happier.
· Goes to bed between 6 and 6:30 and will sleep until we wake her up for the day at around 6 in the morning with usually one wake-up that happens between 2 and 5 AM for a snack. On weekends Hanna can be cajoled into sleeping until around 7 so, left to her devices, the child likes sleep. She usually rolls over and goes to sleep on her own as soon as we lay her down. She starts the night off with a pacifier that I believe is promptly thrown to the side. We have a white noise app on an old phone-turned-ipod that plays "rain" for an hour. I'm not sure if this does much for her but it's just what we've always done and I imagine might come in handy when we're out of town a lot next month and it can help mimic our at-home routine.
· Bedtime's routine: dinner, bath, story #1, nursing, story #2, kisses and goodnight.
· Hanna Lu loves waving "hi" and even says the word as "ahhhhhhhh".
· Baby is able to wear six month clothing and 9 month as well and if she's in disposable diapers size three is perfect for her.
· Our cloth diapers are holding up quite well. We use biodegradable/flushable liners to make clean-up a bit easier…otherwise we should be spraying the more soiled diapers into the toiled before we wash them in the dryer and what with daycare and everything, the liners are just so super easy. I'm debating the value in schlepping the set with us for the holidays since we'll be gone for two weeks. When I think about home many diapers we go through over just a weekend I want to take them but they take up space and will need to be laundered when out and about so we'll see.


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Multitalented stalwart of the South African entertainment industry for over two decades, Nataniël is more than just a producer, director, designer, playwright, public speaker and performer – he is a true icon of stage and screen. Nataniël will return to the Theatre of Marcellus stage at Emperors Palace with a new stage production, MANNEQUIN, from 18 August to 25 September 2016. (There will be a week of previews from 18 August, with the show opening officially on 25 August and runs until 25 September 2016.)
The production tells the story of an author who toys with the idea of writing a book about the life of a reclusive tailor. MANNEQUIN is the story told by his tailor. A tale of surprise, fear, cruelty, humour, truth and fantasy. The show will not only feature original music, but also Nataniël's surprise versions of a few of the world's best known songs from the late sixties and the eighties.
Nataniël will share the stage with long-time fellow musicians Charl du Plessis (keyboards), Juan Oosthuizen (guitars), Werner Spies (bass), Hugo Radyn (drums) and favourite singers Nicolaas Swart and Dihan Slabbert. This show, structured around stories told in both English and Afrikaans, is about visual beauty and tailoring, and features an astounding collection of new costumes by the multi award-winning designer, Floris Louw.
MANNEQUINN, set to captivate audiences with its masterful blend of music, storytelling and breathtaking costumes, will be performed from Wednesdays to Saturdays at 20h00, and on Sunday afternoons at 15h00. Tickets start from R160 per person and can be booked through the Emperors Palace Box Office on 011 928 1297/1213, or by visiting www.emperorspalace.com or Computicket. Winners Circle members qualify for discount.
There is an age restriction of No Under 15's and the show is 90 minutes in duration with no interval.
Emperors Palace is a Peermont resort. Like them on Facebook or follow them on Twitter @emperorspalace.
For interview requests, please contact Nileen Gale – Public Relations and Publicity Co-ordinator at Emperors Palace on (011) 928 1073 or email: firstname.lastname@example.com.


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I wonder if pictures like this are going to become the reality of our society. Most of the mail I receive now is electronic, or e-mail. People communicate through their Blackberry's, cell phones, text, far more than we do the mail. Also most of the mail we receive now in the box is junk mail and advertisements. I must admit though it used to be quite a thrill to go to the box and receive a Letter. A letter with your name on it, addressed to you and from the return address you knew who sent it. I could hardly wait to open it and read something that had been written just to me. The Bible contains many letters written to us by God. The word that is used in scripture is "Epistle" but, it means letter. There are 21 of them in the New Testament. How exciting it is to pick up God's Word and read something written to me by the Creator of the Universe. Some of them are Love Letters some are letters of Encouragement, instruction, advice. Why don't you pick up the Bible today and open it to one of these letters and read what God wants to say to you right now. You've Got Mail.
I welcome your comments, thoughts and prayer requests. email@example.com


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The Leucomelas do like to climb the terrarium and sit on plants alot.
This is one of their favorite bromeliads:
The Leucomelas do like to climb the terrarium and sit on plants alot.
This is one of their favorite bromeliads:
im sure they will be hanging out in the helis pitchers all the time
Here is one of my Green and Black Costa Rican dart frogs.
I don't have many photos of them since they hide most of the time!
Love them! I wish I could get some frogs, but I'm not allowed anymore pets! I envy you!
[QUOTE=Heli;1074329]Well according to Peter D Amato he often finds frogs hiding in the pitchers of his helis unharmed. The theory is that there is a symbiotic relationship between the two, the frog will hide under the nectar spoon and catch the insects, and in turn poop into the pitcher, giving the plant nutrients.[COLOR="green"]
---------- Post added at 08:49 PM ---------- Previous post was at 08:49 PM ----------
Awesome - Thanks for the info. Would love to see photos of that.
I will now have to figure out which Heli to volunteer for the job!!
Yea I dont know anyone who currently does it but you should experiment! Let us know how it goes.
This fixture gives me from 3500 lux to 5000 lux at the terrarium floor (over 12inches)
Not bad for 22W of power.
One of the best part is that they give off almost no heat! Last summer me and the frogs almost melted from all of the heat from the T8s that I was using, my AC couldn't keep up!
Source was:
I should have a pretty large closet cleared out in a few months, which I'll ideally set up a terrarium for lowland(?) Nepenthes in. I was thinking about adding some darts, but I have this strange feeling that a 10" pitcher with a 4" mouth would be pretty enticing for a dart frog and would end up with a $50 meal... Do they like swim around in the fluid and climb out? lol...?


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NOTE: I have a new website now. Our testimony is available there in an article, and also in an audio version. Here is the link to it: http://bornofspirit.net/testimony/
From: Neal Sent: Friday, August 18, 2006 11:07 AM To: ***** Subject: Prayer Request Hi everyone. I have a prayer request.
Neal ---------------------------------------------------------------
Then Bill turned to me and said this: "You have been praying to recieve the baptism with the Holy Spirit and speak in tongues." That shocked me because I had not mentioned anything about that, even though it was absolutely true. That was the word of knowledge in operation,and God was getting my attention…to help me believe. He succeeded. I stood up, Bill put his hand on my chest, and I began speaking in tongues for the first time…just like they did in the bible. I received the baptism with the Holy Spirit right there in his living room, while at the same time my wife was walking down the street receiving a miraculous healing from God.