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This technique of trading has grown alongside the Internet that allowed more and more investors, institutions, and hedge funds to take part. For starters, exchange prices may not reflect…Read more
Work from home contract manager jobs
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Updated and republished April 8, 2019. Type in work from home data entry on their careers page to see these listings. A separate page will pop-up. Chat and Email Customer Support Agent. The position is Virtual Assistant and you will be expected to carry out some clerical tasks. Are you great at finding the needle in the haystack? Pay is 10 / hour. Social Media Content Specialist Are you a social butterfly? It is also possible to get paid via Paypal very quickly once your tasks are approved.
Once hired, you will provide one-on-one tutoring online. AccuTran Global Read AccuTran Review US and Canada only. #2, transcribe Me full review. Also, work may not always come in consistently. Pay rates range between.4 cents to 7 cents a word. Candidates for this job will provide transcription and captioning services.
Appen Read Appen Review Open worldwide. Share, pin 4260shares, most people want to find a work at home opportunity that does not charge a fee. Signup with this organization is fast and there are no charges. Looking for serious, action oriented individuals who are BIG thinkers. They hire for Search Engine Evaluators and there is an evaluation exam taken in two parts before you can begin working for them. They receive many applications and as a result they will often put the application process on hold. May pay between 10 and 15 hourly for social media moderation work. Some proofreading skills are required for this role. Scammers will usually offer a deal that is too good to be true and then will likely ask for personal information and a bank account number. You may need a webcam so the students can see you as you teach them.
Get paid once a month with direct deposit. #20 AB Global You need to be bilingual to work as a Translator in this family-owned company. Lyft Read Lyft Review Give people rides via the Lyft ride-sharing app. Get paid every other week via mailed check. Earn up to 21 hourly. You can withdraw your earnings to Paypal at any time once your work has been reviewed.
After creating an account, you will take an assessment and you can set up your payment method by choosing between direct deposit, PayPal, and a paper check. Tigerfish Read Tigerfish Review Open. Pay ranges from 8 to 72 per post. In this role, you'll curate a set number of clothing items and accessories based on the client's personal fashion profile. Many more question/answer paid expert sites here. Pay is via Paypal. #17 m This Company offers online tutoring opportunities. It's definitely a fun site to use. Most of these companies do not require past experience, although with few exceptions the pay may not be enough to consider it a stable income. You are able to set up your own schedule depending on your availability and they do not charge any sign up fees. Virtual Assisting To avoid work from home online no selling required any confusion, I want to make it clear first that virtual assistant work is not always non-phone, but it can. In these positions, you'll oversee forums, online groups, and social media accounts to ensure that rules are being followed, questions are being answered, and spam and junk content are being removed.
Website Tester Did you know that companies will pay good money to ensure that their websites are user-friendly? Watch the entire 4 minute movie. Scribie Read Scribie Review Open worldwide, no experience needed. Lionbridge Read Lionbridge Review Open worldwide. Here are a few companies that hire for this role. Get paid monthly with direct deposit or mailed check. While this is just extra money or regular Amazon gift codes, there are tons of tasks you can do to earn daily everything from paid surveys to watching videos. Get paid monthly on the 15th. You can go here for more listings and search engine evaluation resources. Pay will vary depending on the job you're doing for Appen. Follow the simple instructions in the email. Prior editing experience is preferred. Click on the "tell me more" button., US Go from there.
ESL Instructor Do you work from home online no selling required have a thorough understanding of the English language? #37 Brighten Communications They offer telemarketing opportunities for people interested in working from home. Freelance Writer, from blog posts and newsletters to articles and advertising copy people are always looking for writers. Extra Cash Rewards (my sister's site) has a great list of sites that pay you fast. Cambly Read Cambly Review Webcam tutoring. Get paid weekly with Paypal.
Review Open. It's possible to earn between 8 and 15 hourly depending on your speed. Pays via PayPal. I will try to keep this list updated for those who do not want to pay any upfront fees to start a home-based job. Seeking reviewers for both English and Spanish titles. You take home 100 percent of what you earn and payments are made weekly or cash out when you want instantly.
Are You Looking For Even More Remote Jobs? They're only good for extra money, but they are reputable companies. This will help a lot when you get started and you're unsure what to specialize. Net Transcripts Read Net Transcripts Review US only, experience preferred. You can cash out your earnings to Paypal once you have 20 in your account. Payment is via PayPal and there is no membership or other fees involved. Pay info not listed. Not much other info available. They hire virtual accounting specialists to work remotely. How To Apply and Get Started In The Next 30 minutes! Get paid once a month with Paypal or direct deposit.
Check out more short task sites here. Transcription For Everyone Often hiring transcriptions, no experience necessary. People from the following countries are open to apply; USA, Denmark, Canada, Belgium, Norway, Brazil and more. You can get paid once a week via Paypal. Rate of pay varies, but they state most of their writers earn between 10 and 18 hourly. Upwork or, problogger and see how you can offer up your writing services. Then consider working from home as a proofreader. Again, make sure to watch the whole movie!
Just Answer Pay rate varies depending on how much a person is willing to pay for an answer. Get paid twice a month with Paypal. See more work at home accounting and bookkeeping companies here. Training onsite is required before you can do the job from home. Formerly known as Zirtual. Mechanical Turk is one of the most well-known sites of this type. WriteScore Read WriteScore Review Open to US only. Takes only 20 minutes. No telecommunications or cold calling. Online Tutor Are you a math whiz? Help business owners organize and input their monthly income and expenses. Pay is weekly via Paypal provided you have at least 10 in your account. I used to be a prior authorization nurse for Medicaid.
Magic Ears Read Magic Ears Review US Canada. The content sites I've listed below may not pay that well, but they can still help you get valuable writing experience and earn a weekly paycheck. Before work from home online no selling required you begin applying to any of the companies below (many of which sadly are almost never hiring you might want to read the post I wrote about data entry jobs from home. #8 Responsive Translation Services They hire people to work as freelance translators from around the world. ESL tutoring may be a fit for you if you have some past teaching or tutoring experience along with a degree or at least some college under your belt. Amazon mTurk Read Amazon mTurk Review Open worldwide, but you can't get paid in cash unless you're in the US you have to opt for money in your Amazon account.
Pay rate is not disclosed. Can you type quickly and accurately? Pays 13 to 18 hourly. Work at home or from anywhere with a speedy internet connection and earn 18-26 an hour. Non-Phone Work From Home Jobs, data Entry. It is simple, easy, and fun.
Has data entry sort tasks available on occasion. Need A Little Extra Income? #38 t This company recruits Writers to work work from home online no selling required from home. Data verification and data entry work. Payments are made via bank transfer or you can get money to spend on Amazon instead. If numbers and organization excite you, then bookkeeping may be right up your alley.
Focus Forward Read Focus Forward Review US only, experience needed. You must have at least 25 in your account to get paid, and you can choose from mailed check, bank transfer, or Paypal. Get all of your information fast, efficiently, and easily. If you want more work at home information, don't forget to subscribe to our twice-weekly newsletter. PrepNow Read PrepNow Review Open. Online ESL Tutoring While ESL tutoring is technically non-phone, you do still have to interact with students online, helping them learn the English language. This position is location-based. This is a work from home job many people are able to do from that can additionally be very, very flexible and of course non-phone. Pays per audio minute, between.40 cents and.00 depending on difficulty. Clickworker, read, clickworker Review, very similar to Mturk (above). The Social Element Read The Social Element Review Open to US and worldwide.
See more ways to earn money doing errands and/or making deliveries here. Ttec Review, this company was formerly known as TeleTech. Here's a free training program to check out! Scribendi Read Scribendi Review Open to US and other countries. Complete work from home online no selling required Short Tasks, short tasks or micro-tasks are just what they sound like jobs that take a short time to complete, often only minutes. I post tons of work at home opportunities, job leads, and video tutorials weekly.
You would be working as an independent contractor making cold calls to potential clients. #32 Express Writers They hire writers who can work either part-time or full-time. You might excel at search engine evaluation if you're great at internet research, up on pop culture, media, current trends, and you know your way around the computer. Go here for more medical coding jobs. There is a waiting list if you would like to apply. #12 Great American Opportunities If you enjoy data entry this is a great opportunity for you. Thanks, Hope, hi Hope I know where youre coming from. While this can be non-phone, you may occasionally have to converse with clients via phone to get questions answered about their situations. They do require 3 years of bookkeeping experience. Also, most of them will not allow you to work for them if you are also working for one of their competitors. Not only was it exhausting, but it made me want to crawl into a cave at the end of the day. Are you a creative individual who has an innate sense of style?
Listen to this powerful 5 minute message. Pay is per task and I've seen where some people claim they make anywhere from 2 to 10 an hour just depending on what tasks they choose. You will need a landline and high speed internet to do this job. Xerox, read, xerox Review. These little jobs are done by people who log on to a companys site and choose tasks, which could be as simple as clicking work from home online no selling required a link.


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Ajax Messages
We are seeking an energetic, responsible intern to join our organization. In this position, you will be expected to learn the ins-and-outs of our daily routines and procedures. You will focus on learning how our organization runs.
ROZEE.PK is Pakistan's number one online job site which connects talent with opportunity. ROZEE.PK provides services to the job seekers and employers by providing them one platform for job searching and hiring, respectively.

subset: commoncrawl


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Tag Archives: community
Jingle Bells
( I wrote this back in December..) I wasn't sure what to expect for Christmas this year. I'm back living with my host family and we have been talking for weeks about having a Christmas party at our house. A … Continue reading
New beginnings
Maybe you've heard through the grape vine that I have moved. It's true. I've moved back to Suphanburi. Remember where I spent the first 9 weeks of training in Thailand?! Yeah, that's where I am! I'm back with my host … Continue reading
Khaojeak Making You Smile! เขาเจียกเรียกยิ้ม
Once a year we have Khaojeak Riak Yim. It's an effort to bring the community together in a fun and educational way. This event is designed and put on by youth with the support of adults. It's name Khaojeak Riak … Continue reading
The Little Things: Love, Health, Happiness
Alumni Link!
The writer for the alumni newsletter was determined to get in contact with me, she sent me messages through my blog, facebook, email, and Peace Corps. Finally a few weeks after her initial contact we were able to chat. She … Continue reading
Media Project: COMPLETE.
A couple weekends ago Jae (one of my counterparts), Tree (the community development officer) and I took the youth to Thale Noi for an overnight camp to learn about creating media and making short films. It was the final activity … Continue reading
The little things: UNO and Popcorn.
Here's a little glimpse into my Wednesday morning. My school was closed for two days because 10 students went to compete in various levels of academics in the city. I invited the 3-6 graders to my house to make smoothies and popcorn … Continue reading


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By Alyssa Roat | Echo
Graduation is almost upon us. Our graduates have studied, worked, slaved, cried, wailed, despaired, sobbed in library study rooms and tried to drown their sorrows in DC desserts, but with tests taken, classes passed and final projects complete, they have conquered.
Or have they?
Before you walk across the stage, have you completed all the requirements to graduate? Here's a checklist to make sure there isn't anything you've forgotten. And if you're an underclassman, here are the 10 things you'll need to do before you too can graduate.
- Learn to use the words flourishing, shalom and intentional community in all conversations.
Luckily, you should get a solid foundation in this freshman year. (Foundation. See what we did there?) You're not just "doing well," you're flourishing in the shalom fostered by Taylor's intentional community.
- Pledge your allegiance to Chick-fil-A.
For four years, Chick-fil-A is going to be one of your six major food groups. By the time you graduate, you should be a Chick-fil-vangelist, calling a fallen world to "eat mor chikin."
- Devolve into using weird acronyms and nicknames for everything.
You can hear a noob a mile away as soon as they say, "The Dining Commons" or "The Kesler Center." By graduation, you should know how to go from the Deec to the KSAC and then grab some nugs at the stude.
- Read every book by C. S. Lewis.
Here at Taylor, we confess the divine authority of Christ and the intellectual authority of our theological overlord C. S. Lewis. From celebrating him weekly, to dedicating an entire center to him, to building a bell tower in the image of his good friend J.R.R. Tolkien's character The Eye of Sauron, Taylor falls just short of worshipping Lewis, and you should too.
- Find your future spouse on a pick-a-date.
This is God's design for dating.
- Develop a (coffee) drinking problem.
There are ways of developing addictions without breaking the LTC. We may not hold frat parties, but the line at the Bean before chapel is a party all its own.
- Be featured in the Echo.
Everyone needs their moment of black and white Taylor fame.
- Try all the flavors at Ivanhoe's.
We know all your money is going toward your crippling debt in student loans, but there are 100 flavors at Ivanhoe's to try. If you want to impress future employers with your dedication, show them your checked-off menu.
- Get engaged.
Especially if you're a female, you need to earn your MRS degree. Who it is doesn't matter; just make sure they're the opposite gender, they attend Taylor, and their ideal date is Chick-fil-A followed by the Bean.
- Have the best four (or three or five) years of your life.
(Don't believe us? They'll make sure you know how awful post-graduation is in senior seminar). Enjoy life now, because if there's one thing senior sem taught us, it's that it's all downhill from here.
From the Taylor University Survival Guide, have a great summer and a great life.
Note: Please don't worship other gods (e.g. Chick-fil-A and C. S. Lewis), and we really do think life after graduation will be pretty great. At least, we hope so. This is Alyssa Roat, signing off on the final edition of the Taylor University Survival Guide. Time to go survive the real world.


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Medical solution in the Telegraph
Here is a link to a piece in the Telegraph today, which talks about new ways to beat alcoholism including the use of Nalmefene. I am glad to see that the mainstream press are starting to publish more pieces that reflect the more modern approaches to beating alcoholism.
Here is a section from the piece.
"What is particularly exciting is that these findings suggest that restoring NPY may not only be useful for treating alcohol use disorders, but may also protect some individuals from becoming alcohol dependent."
The study was published online by the journal Nature Neuroscience.
Previous research has demonstrated the role that NPY can have in influencing the desire to drink. A study of mice who lacked NPY receptors found they were less likely to consume alcohol than others who had the receptors.
Other studies have identified other proteins in the brain which appear to influenec the desire to consume alcohol.
A protein called RGS6 (regulator of G protein signalling 6) was found to control alcohol cravings and the likeliood of suffering damage to the heart, liver, and other organs.
Last year the National Institute for Health and Care Excellence said people drinking half a bottle of wine could be advised to start taking the first ever drug to help reduce alcohol consumption.
Men drinking three pints of beer and women drinking two large glasses of wine per night and who do not cut down within two weeks should be prescribed a new drug, Nice said.
The drug nalmefene, which costs £3 per tablet, is taken when people feel the urge to have a drink and stops them from wanting more than one. It works by blocking opiate receptors, stopping the endorphins otherwise be produced by alcohol, giving a feeling of reward and pleasure.
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This is extraordinary good news, as AA will not let their members know about this approach. It's also important to approach the body that accredits inpatient rehab facilities to insist that to gain accreditation medical interventions for alcoholism and drug addiction be available. Actually, all inpatient rehab facilities should be expected for accredition to have a full-time psychiatrist with a fellowship in addiction medicine on the the staff FULL-TIME.


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The ceremony for the 2013 Environmental Sensitivity Awards OIKOPOLIS 2013, organised by ECOCITY took place on June 5th, 2013, in Athens. The OIKOPOLIS awards aim to promote general environmental awareness and develop social participation of enterprises, associations and institutions to undertake or support actions for the environment.
NTUA Associate Professor George Yannis was awarded for his overall scientific work on sustainable urban mobility, including his extensive work on road safety. He underlined that "urban mobility and safety are primary components of the urban environment and that the transportation engineers in Greece persist fighting to convincing authorities and citizens for the necessary sustainable mobility and safety solutions in the Greek cities".


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WCC's best meet again
Harris' Zags try to slow Samhan, Saint Mary's
Thu., Feb. 11, 2010
The game, of course, is big. Gonzaga and Saint Mary's collide tonight at the McCarthey Athletic Center to determine who holds the steering wheel in the West Coast Conference race.
And then there's the game within the game. The last time these two met, both shot at least 60 percent from the field in a high-scoring second half as the Bulldogs held off the Gaels 89-82 in Moraga, Calif., on Jan. 14. Inflicting most of the damage: Gonzaga's Elias Harris, 31 points and 13 rebounds, and Omar Samhan of Saint Mary's, 31 points and 12 rebounds. The two spent part of the game guarding each other.
"Harris is tough for everyone to deal with," said Saint Mary's coach Randy Bennett, whose team is 21-3, 8-1 WCC. "He's a really good player and he plays big in big games."
So adjustments can be expected? "He scored 31 of their 89," Bennett said with a chuckle. "We have to do a better job all the way around."
Same goes for the 16th-ranked Bulldogs (19-4, 7-1 WCC), who were outscored 49-44 in the second half of the first meeting. Samhan scored 25 points in the closing 20 minutes.
"They were looking for him in the post the whole game, especially in the second half," said Gonzaga center Rob Sacre, who was often the primary defender on Samhan. "We just have to limit his touches in the paint and just play hard against him. We didn't double him much. It was kind of difficult, but it's a great challenge and I'm all for it."
Doubling down comes with risk. Guards Mickey McConnell (52.9 percent) and Matthew Dellavedova (41) are quality 3-point shooters. Ben Allen, Clint Steindl and Jorden Page make nearly 40 percent of their 3s. Saint Mary's makes 41.6 percent from distance, fourth best in the country.
"The way they shoot the 3 and as many as they make, that's why they're so good (offensively)," Gonzaga coach Mark Few said. "If you double (Samhan), they hit a 3. If you don't, he can get 30 on you."
Gonzaga has defended better of late. The Bulldogs held Portland to 49 points, 23 less than its average, and Memphis to 58 points, 17 less than average. Saint Mary's is second in the WCC in field-goal percentage defense (42.4) and third in scoring defense (69.6 points).
The Bulldogs outrebounded the Gaels 45-27 last time, which GU turned into an 18-6 edge in second-chance points.
"They exposed us," Bennett said. "Hopefully, we've improved since then. You're not going to beat them if you don't get stops. I felt like we weren't making it very tough for them. The few shots they missed, they put them back in."
Samhan's best effort in Spokane came in his freshman season – 10 points and eight rebounds. The last two years combined he's scored 14 points and grabbed 12 rebounds. The senior center expects to be greeted with chants and posters from the Kennel Club.
"I expect them to be how they always are, getting on me and everything else," Samhan told the Contra Costa Times. "Every year we go up there, they get to leave with the last laugh. I'd like to leave there one time with the last laugh."
Follow along with the Zags
Subscribe to our Gonzaga Basketball newsletter to stay up with the latest news.


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A new poll being touted by the Tea Party Express indicates Christine is within 6 points of the "bearded Marxist", Chris Coons:
Stunning news to report today, fellow patriots. A brand new poll has Christine O'Donnell surging to within 6% of her Democrat challenger, Chris Coons.
This late-in-the-campaign surge replicates her surge in the polls in the GOP primary, when everyone had written her off and said she could never win.
She proved the so-called "experts" wrong before and she seems poised to do so again!
It certainly appears momentum is on O'Donnell's side. This explains why the Democrat Party is concentrating so heavily on the Delaware Senate race. Why would they send Obama and Biden to a state that is supposedly in the bag? The only logical answer is that it isn't. O'Donnell's momentum should continue with the big news that former two-term Delaware Governor Pete DuPont has officially endorsed her campaign. DuPont is probably more influential in Delaware than Mike Castle, and his endorsement should more than make up for sore loser Castle's childish refusal to support O'Donnell's campaign. In the meantime, O'Donnell has a new campaign ad out hitting Harry Reid's pet for his rubber stamping of the unpopular Obama-Pelosi-Reid agenda.
O'Donnell still has 8 days to close the gap. You can help her do so by going to her website and contributing to her campaign. As Governor Palin reminded us Saturday, this is no time to sit on the sidelines. It's up to us, all of us, to dig deep and do everything we can.
(h/t Hal)


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Zoya Zvynyatskivska
Art and fashion critic and historian. Lecturer of the "Cultural Project", the author of the world fashion history
permanent course. Facilitator of the Course Fashion media in Kyiv Fashion Institute. She is working on the book "Fashion of Ukraine's independence".
- vfashion show of the designer Viktor Anisimov "DonFIZcult";
- vauthorial lectures of Zoya Zvynyatskivska "Ukrainian avant-garde fashion since independence", "Glamour and kitsch. Lumpen-style", "Searching identity.
- National traditions in modern Ukrainian fashion".


text: Beaumont Troy is a magnet facility that's one of the highest recognition that a hospital can have. Our O.R. is really busy we have a very busy emergency room hundred thousand visits one of the busiest in this area. Emergency room, the best E.R. in the state. I think it's perfecting my craft as a leader. I had talked to a lot of my mentors and they had recommended an MBA. That's when I really started my search for the best degree that would fit my, you know, needs in my professional goals and that's how I you know came across Baker's MBA program. I think the MBA at Baker really balanced me out to understand that ok, we want to take really great care of our patients but if we don't have a business model behind it then we can take care of anybody because can't pay our staff. I chose Baker for the curriculum. They look at what you're gonna need and a lot of different MBAs are general. In my…the curriculum Baker I felt that a lot of the things that I was doing in school I could directly translate into what i was doing in the hospital. People that have been through the program, that will just really rave about the program. You know that's me now. I tell people if you want a great MBA…and I've referred four or five people, check out Baker's program. They can compete with other universities in this area that cost two, three times the amount. I was recently recognized by dBusiness magazine "30 in Their Thirties". This is something that I've read, you know, over the years and said man that would be an awesome accomplishment if I could ever be in there and alotta just really great professionals across all different spectrums. So, to be in that article really was was a humbling experience. I was just thrilled. Well if you ask me I'm not here today if I didn't learn everything I did at Baker.


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Despite Brazil's reputation as one of the world's most crime-ridden countries, it is generally safe for travellers and foreigners to visit this vibrant and naturally diverse place, especially with the security and protection surrounding them. A large country like Brazil has many people and many small towns and countrysides that are safer for tourists; that said, the latter are safer destinations as crime rates are higher in the cities. Not only should you know which specific places and paths are safest in this vast land, but how to stay safe no matter where you are in Brazil:
- Keep your belongings close
Tourists who are going to extremely crowded places are advised to not wear any jewelry or a money belt, and to keep all their money in an inside pocket of their clothing. Another piece of advice I can give to them is to only bring the money you'll need for the day in a safe place around your person, with the rest safely hidden away wherever you are staying – along with other important documents.
- Look Brazilian
We had written several JustFly reviews about how to blend in with the locals, how to be accepted by the latter, what things to avoid in certain countries, and how to avoid looking like a tourist. These all help make tourists in Brazil safer. When they're in the streets, they can get used to a uniform of shorts, shirts, flip-flops, ditch the extensive pulling out and boring your eyes into a map, or whipping out your expensive camera – otherwise, you'll just attract unwanted attention.
- Outdoor activities
Brazilian food can be inspiring and dining in a restaurant a relatively relaxed experience, but you should always keep on guard against Brazil's infamous criminal activities. Stop hanging your bag behind your chair while eating; keep it on the floor tied up to your feet or the table leg, and avoid withdrawing from ATM machines in the streets, opting for ones inside banks or shopping malls instead.
- Sun and surf
The beaches of Brazil, especially those of Rio de Janeiro, are ideal to lounge in, but they're also the sites for gang trawling by groups who scare off the beach crowds to feast on the things they may leave behind. The whole thing can be chaotic and traumatic for travellers, who likely never experienced anything of the sort elsewhere. As with everything else, don't bring too many items to the beach; it's easier to blend in when everyone's wearing the same summer essentials.
- Off the beaten path
When at your hostel or hotel, ask which roads are safe to walk in if you have to go out after dark, or which ones you should watch out for as some side streets are unsafe to travel in. As with most cities, don't wander late at night off the main walkways and stick instead to safe paths that had been recommended to you.
Read more tips on how to travel safe to other countries, what are the stories and cultural features of some, and other travel-related articles, all brought to you by JustFly reviews. Brazil is a wonderful place that is possible to enjoy without fear and hassle, if you are knowledgeable of these 5 tips on how to stay safe while having fun in it.
*All images are from CC0 Public Domain / Pixabay


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You are currently browsing the tag archive for the 'tax compliance' tag.
One of the issues in handling the tax function in business, especially where it involves direct (income) taxes, is the technical expertise required. At the more senior levels, practitioners must be knowledgeable about accounting and tax law. In multinational corporations, understanding differences between accounting and legal structures in various localities and their effects on tax liabilities requires more knowledge. Yet when I began to study the structures of corporate tax departments, I was struck by the scarcity of senior-level titles in them. This may reflect the low profile of the department in most companies and the tactical nature of the work it has performed. Advances in information technology have the potential to automate most of the manual tasks tax professionals perform. This increase in efficiency will enable tax departments to fill a more strategic, important role in the companies they serve.
In the past (and still in many organizations today) there was a sharp pyramid of value-added work in the tax function, with tax attorneys at the top, corporate counsel in the middle and tax practitioners at the bottom. The tax attorney, versed in the intricacies of laws and their applications – especially in cross-border situations – typically has had the greatest ability to minimize tax expenditures. The role requires a combination of inspiration and art to see the underlying logic of tax laws and legal structures to be able to apply creative interpretations to black-letter statutes and has been rewarded accordingly. Senior corporate counsel has weighty responsibilities and therefore merited elevated titles. But the role of tax preparation has been oriented toward functional execution. It typically is done hard-working experts who have limited impact on policy and decision-making. Because the workings of this group are particularly sensitive, it also has a culture that attracts people who tend to be tight-lipped and not given to self-promotion. This hierarchy has helped to keep tax matters outside of the mainstream activities of the corporation, as I have discussed.
Today, information technology can flatten the value-added pyramid by automating routine work. Doing this can give skilled practitioners in the tax department more time to spend on value-adding analysis and contingency planning because they spend less time on data gathering, data transformation and calculations. Increased productivity creates more time to find tax or cash flow savings, as well as to provide better-informed guidance on alternative strategies. To accomplish this, corporations must automate their tax provisioning process; most will benefit from having a tax data warehouse, which I have written about. However, our recent Office of Finance research finds that this is not widely done. Instead almost all midsize and larger companies (90%) use spreadsheets exclusively or mainly to manage their tax provisioning process, including calculations and analysis, and this demands manual effort.
Desktop spreadsheets are not well suited to any repetitive collaborative enterprise task or as a corporate data store. They are a poor choice for managing taxes because they are error-prone, lack transparency, are difficult to use for data aggregation, lack controls and have a limited ability to handle more than a few dimensions at a time. Data from corporate sources, such as ERP systems, may have to be adjusted and transformed to put this information into its proper tax context, such as performing allocations or transforming the data so that it reflects the tax-relevant legal entity structure rather than corporate management structure. Moreover, in desktop spreadsheets it is difficult to parse even moderately complex nested formulas or spot errors and inconsistencies. Pivot tables have only a limited ability to manage key dimensions (such as time, location, business unit and legal entity) in performing analyses and reporting. As a data store, spreadsheets may be inaccessible to others in the organization if they are kept on an individual's hard drive. Spreadsheets are rarely documented well, so it is difficult for anyone other than the creator to understand their structure and formulas or their underlying assumptions. The provenance of the data in the spreadsheets may be unclear, making it difficult to understand the source of discrepancies between individual spreadsheets as well as making audits difficult. Companies are able to deal with spreadsheets' inherent shortcomings only by spending more time than they should assembling data, making calculations, checking for errors and creating reports.
On the other hand, a tax data warehouse addresses spreadsheet issues. It is a central, dedicated repository of all of the data used in the tax provisioning process, including the minutiae of adjustments, reconciliations and true-ups. As the authoritative source, it ensures that data and formulas used for provisioning are consistent and easily audited. Since it preserves all of the data, formulas and legal entity structures exactly as they were in the tax period, it's far easier to handle a subsequent tax audit, even several years later. In this respect a dedicated tax data warehouse has an advantage over corporate or finance department data warehouses, which are designed for general use and often are modified from one year to the next as a result of divestitures or reorganizations.
Another benefit of automating provisioning and having a tax data warehouse is that this approach provides greater visibility and transparency (at least internally) into tax-related decisions. This gives senior executives greater certainty about and control over tax matters and allows them to engage more in tax-related decisions. In companies where executives are more engaged in tax, the tax department gains visibility. Also, because automation enables better process and data control, external auditors spend less time examining the process and tax-related calculations in financial filings, and it cuts the time the tax department might need to spend in audit defense with tax authorities. Process automation enables tax departments to increase their efficiency and give members more time to apply their tax expertise to increase the business value of their work, thereby flattening the value-added pyramid.
The scope of the value that tax practitioners can add is broadening because having greater visibility into the methods used in direct tax provisioning will be increasingly important. I have noted that companies that have significant operations in multiple tax jurisdictions are likely to face a more challenging future. While I'm skeptical that there will be a massive change in how tax authorities manage cross-border tax information soon (which is more a reflection of the competence of the taxing authorities than their motivation), it's worth assuming that it will grow at least gradually and therefore companies must be prepared to deal with increasingly better-informed tax officials. Transparency also fosters consistency in tax treatments and the ability to manage the degree of risk that CEOs, CFOs and their board are willing to take on in weighing how conservative or aggressive a corporation would like to be in how it handles taxes. This is another way for tax practitioners to increase their value and visibility in their corporation.
Forward-looking companies have been making the transition to automating their direct tax provisioning process, redefining their approach to managing taxes and giving their tax departments greater visibility. It's unlikely that these companies are using desktop spreadsheets to any meaningful degree. It's not clear when the mainstreaming of the tax department will be common, but it's probably at least several years away. Evidence that a fundamental shift has occurred in how corporations manage their income tax exposure will exist when a majority of midsize and larger companies use dedicated software rather than spreadsheets for this function. That's also likely to be when Senior Vice President – Tax becomes a common title. This promotion won't be the result of title inflation. It will happen because the tax department's role will be important, making a bigger, more visible contribution to the company as practitioners focus more on analyses that optimize tax decisions and far less on the calculations and other repetitive mechanical processes that consume time but produce little value.
I recommend that every CFO of a company operating in multiple tax jurisdictions with even a slightly complex legal structure consider automating tax provisioning and deploying a third-party (rather than a custom-built) tax data warehouse.
Robert Kugel – SVP Research
I've written before about the increasing importance of having a solid technology base for a company's tax function, and it's important enough for me to revisit the topic. Tax departments are entrusted with a highly sensitive and essential task in their companies. Taxes usually are the second largest corporate expense, after salaries and wages. Failure to understand this liability is expensive – either because taxes are overpaid or because of fines and interest levied for underpayment. Moreover, taxes remain a political issue, and corporations – especially larger ones – must be mindful of the reputational implications of their tax liabilities.
In this context of seriousness, there are five interrelated requirements for the work that tax departments do:
- The work must be absolutely accurate.
- Corporate and tax executives must be certain that the numbers are right – instilling confidence is key.
- Certainty depends on transparency: Source data and calculations must be demonstrably accurate, and any questions about the numbers must be answerable without delay.
- Speed is critical. All department tasks related to tax planning, analysis and provisioning can become sources of delay in core finance department processes. Being able to quickly execute data collection and calculations allows more time to explore the results and consider alternatives.
- Control of the process is essential. Only particular trustworthy individuals can be permitted to access systems, perform tasks and check results. Control promotes accuracy, certainty and transparency.
These requirements form the basis of a business case for a tax data warehouse. Properly executed, it promotes all of these qualities. However, our forthcoming benchmark research on the Office of Finance shows that not many corporations have adopted one. Rather, most companies rely mainly or entirely on spreadsheets for provisioning income tax: managing data, calculations and modeling. More than half (52%) of companies use spreadsheets alone to handle income taxes while just 10 percent use a dedicated application designed for that purpose. Desktop spreadsheets are a poor choice for managing taxes since they are error-prone, lack transparency, are difficult to use for data aggregation, lack controls and have little ability to handle more than a few dimensions at a time. To deal with these deficiencies companies have to spend more time than they should in assembling data, making calculations, checking for errors and creating reports.
There are strong reasons to change this reliance on inappropriate tools. One is that more companies must deal with an increasingly complex tax environment. Despite decades of talk about simplifying the tax code in the United States, it has grown ever more intricate. For those with a long memory, there was some simplification in the 1980s, but since then complexity has returned with a vengeance. Moreover, as corporations grow and expand internationally, their legal entity structure becomes more multifaceted, and their source systems for collecting and managing tax data can become fragmented. Unless the tax function is completely centralized, companies that operate in more than a handful of tax jurisdictions can find it hard to coordinate their tax data, calculations and processes. Centralization is not a cure-all, either, as the lack of local presence poses its own issues in tax management in coordinating with local operations and finance organizations.
Another reason is that national taxing authorities are beginning to improve their coordination with one another, which means that tax departments will have to deal with increasing complexity in reporting and a more stringent compliance environment. In 2013, the Organization for Economic Cooperation and Development (OECD) published a report titled "Action Plan on Base Erosion and Profit Shifting", which describes the challenges national governments face in enforcing taxation in an increasingly global environment with a growing share of digital commerce. The OECD also is providing a forum for member governments to take action (including collective action) to strengthen their tax collection capabilities. Although the process of increased government coordination is likely to take years to unfold, the outcome almost certainly will be to put additional pressure on companies that have legal entities domiciled in multiple countries. The impact is likely to mean longer and more frequent audits (including concurrent audits by multiple tax authorities) with more detailed requests for information. Increased data sharing among tax authorities will make it even more critical that the tax data – and all the minutiae of adjustments, reconciliations and year-to-year permanent changes – be absolutely accurate, consistent and readily available.
In addition, governments worldwide are increasing their electronic collection of tax data. This enables them to improve scrutiny of tax returns by applying analytic techniques that highlight errors and discrepancies as well as to identify suspicious activities or potentially aggressive tax treatments. Eliminating paper forms allows tax authorities to require even more data from companies. In this environment, having accurate, consistent data becomes essential. Having time to consider the best tax-related options thus becomes even more valuable.
In this increasingly complex and demanding environment it is good news that technology, such as a tax data warehouse, has advanced to become feasible and affordable for the kinds of organizations that can benefit most from it. A tax data warehouse addresses all of the needs of a tax department listed above. A single source of data minimizes errors and ensures consistency. It also promotes transparency, especially when used in conjunction with a dedicated direct tax management application. Because it is possible to exactly recreate the assumptions, data and methods used and because the data and the calculations are consistent, the answer to "where did that number come from" can be found quickly and with complete assurance. The process is better controlled, access to the records and application is more secure, and the entire process is much more easily audited than when working with spreadsheets. Since all of the numbers and assumptions are kept intact and readily available, an audit defense can be performed with less effort and greater confidence. In addition, the ability to create multiple scenarios with different assumptions and treatments enables tax and legal departments to determine the best approach for the company's risk tolerance. The financial impact of these benefits can be considerable because most companies that operate in multiple direct (income) tax jurisdictions spend considerable amounts of time gathering and assembling data manually. As noted, they often use spreadsheets – sometimes dozens or even hundreds of them – for tax calculations and data storage. These spreadsheet-based systems are built on a weak foundation because of the data issues inherent when there are multiple systems of record and inconsistent data-related processes.
The evolving tax environment means that tax departments must be in the mainstream of finance organizations. Our research on the financial close finds that a majority of finance executives do not know how long it takes for the tax department to complete quarterly tax calculations. Executives who are not tax professionals usually do not appreciate the important difference between finance and tax data requirements. Corporations are constantly changing their organizational structure as well as acquiring and divesting business units. As these events occur, accounting and management reporting systems adapt to the changes both in the current as well as past periods. Tax data, on the other hand, must be stable. Legal obligations to pay taxes are based on facts as they exist in specific legal entities operating in a specific tax jurisdiction in a specific period. From a tax authority's standpoint, these facts never change even as operating structures and ownership evolve. Audit defense requires a corporation to assemble the facts and related calculations, sometimes years after the fact. A general finance data warehouse does not deliver this capability because it is not – and for all practical purposes cannot be – structured to satisfy the needs of a tax department, particularly those that operate in multiple jurisdictions.
To ensure accuracy and inspire confidence in the products of the tax department's work, it important for tax departments to tightly control the end-to-end process of taking numbers from source systems, constructing tax financial statements, calculating taxes owed and keeping track of cumulative amounts and other balance sheet items related to taxes. Transparency is the natural result of a controlled process which uses a single set of all relevant tax data. A readily accessible authoritative data set makes tax department operations more efficient. Reducing the time and effort to execute the tax department's core functions frees up the time of tax professionals for more useful analysis. In a more challenging tax-levying environment, having tax data and tax calculations that are immediately traceable, reproducible and permanently accessible provides company executives with greater certainty and reduces the risk of noncompliance and the attendant costs and reputation issues. Having an accurate and consistent tax data warehouse of record provides corporations and their tax departments with the ability to better execute tax planning, provisioning and compliance.
Robert Kugel – SVP Research


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The sex chromosomes consist of a pair of chromosomes called the X and Y chromosomes in the cells of humans and many other organisms. The X and Y chromosomes had been first found in beetles by Nettie Stevens in 1906. She pointed out that cells of feminine beetles had identical searching pairs of each and every of these chromosomes that are several but that male beetles had one pair when the chromosomes had been different to look at from one another. She called those two chromosomes the X and also the Y, and discovered that feminine beetles differed from men in containing two X chromosomes. The situation that is same additionally present in people where females are XX and men are XY.
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Smith, Warner to test young Pakistan quicks
MELBOURNE – Australia's Steve Smith and David Warner will look to give Pakistan's raw attack a baptism of fire in a two-match series starting on Thursday as the batsmen play their first tests on home soil since serving bans for ball-tampering.
Former captain Smith and Warner have not been seen in test whites at home since January 2018 when both scored half-centuries at the Sydney Cricket Ground at the end of a triumphant Ashes series.
Much water has since passed under that bridge, with the pair sidelined for 12 months for their roles in the Newlands scandal and a much-reduced Australia condemned to struggle in their absence.
They have since made successful returns to the international arena on foreign shores.
Warner plundered 647 runs as Australia reached the one-day World Cup semi-finals in England, while Smith amassed 774 runs in a magical Ashes series that saw Tim Paine's team retain the urn in September.
But both batsmen will be eager to make their mark in front of home fans at the Gabba on Thursday, and in the day-night test in Adelaide from Nov. 29.
Lefthander Warner will be particularly keen to fire after a poor Ashes series boasting a solitary half-century.
That could spell trouble for a rebuilding Pakistan squad that have a pace unit featuring three teenagers as well as Mohammad Abbas and Imran Khan.
While Abbas and Imran both have experience bowling against Australia, much faith has been placed in 19-year-old left-armer Shaheen Afridi and the uncapped duo of Muhammad Musa and Naseem Shah.
Though highly rated, the tall Shaheen has only three tests to his name and is on the comeback trail after suffering a bout of dengue fever.
Throwing the untested Musa, another 19-year-old beanpole, into the Gabba fortress, let alone the 16-year-old Naseem, would seem an even bigger gamble.
"It looks like (Naseem) Shah bowls with some good pace," Smith told reporters in Brisbane.
"Being as young as he is, he probably hasn't bowled lots of overs consistently, so it'll be about making him come back and bowl as many spells as he can and see if he can maintain it."
Australia have never lost a test series to Pakistan on home soil but surrendered their first to an Asian side over the 2018/19 home summer when beaten by Virat Kohli's India.
Australia are a lot stronger with Smith and Warner in the side, however, even if question marks hang over some of their batting team mates.
The recalled Joe Burns will again try to lock down a long-term gig as Warner's opening partner, while middle order batsman Travis Head is under scrutiny after being retained in the wake of his lean Ashes series.
Pakistan coach Misbah-ul-Haq, who captained them to a 3-0 whitewash defeat in their last trip to Australia in 2016/17, will have faith that skipper Azhar Ali and the top six batsmen can produce competitive totals against Australia.
Getting 20 wickets in both tests will be another matter, though, on taxing pitches that demand pace and patience.
"It's hard work on these big fields, hard pitches," said Pakistan bowling coach Waqar Younis.
"It takes a lot out of you as a teenager and we have to keep our fingers crossed that they stay fit and can challenge the Australians."Reuters


text: On Sat, 6 Feb 2016 17:37:29 +0100 Albert ARIBAUD wrote: >Bonjour, > >Le Sat, 6 Feb 2016 11:09:25 -0500 >pf at pfortin.com a écrit: > >> On Sat, 6 Feb 2016 09:47:06 +0100 Albert ARIBAUD wrote: >> >> >Bonjour, >> > >> >Le Sat, 06 Feb 2016 02:48:18 +0000 >> >noreply at thewildbeast.co.uk a écrit: >> > >> >> http://www.thewildbeast.co.uk/claws-mail/bugzilla/show_bug.cgi?id=3612 >> >> >> >> Bug ID: 3612 >> >> Summary: auto-configure sets POP=SSL & SMTP=SSL/STARTTLS >> >> Classification: Unclassified >> >> Product: Claws Mail >> >> Version: GIT >> >> Hardware: PC >> >> OS: Linux >> >> Status: NEW >> >> Severity: enhancement >> >> Priority: P3 >> >> Component: Other >> >> Assignee: users at lists.claws-mail.org >> >> Reporter: pf at pfortin.com >> >> >> >> Setting up new accounts with auto-configure results in: >> >> POP3 = SSL >> >> SMTP = SSL/STARTTLS >> >> >> >> Here's the DNS responses I get on clicking auto-configure: >> >> _pop3s._tcp.pfortin.com: type SRV, class IN, priority 10, weight 1, >> >> port 995, target pop-2.luxsci.com >> >> _submission._tcp.pfortin.com: type SRV, class IN, priority 0, >> >> weight 1, port 6465, target secure-email-2.luxsci.com >> >> >> >> POP3 & SMTP are usually set the same way... this difference may not >> >> be obvious to new users. >> > >> >Hmm... apart from the fact that the bug report summary does not >> >clearly state what the problem is, >> >> It's an *enhancement*; but based on further investigation, it's >> beginning to appear like a STARTTLS bug... >> >> >why *should* POP and SMTP be set the same way? >> >> Conversely, why should they NOT be set the same way? > >Because the infrastructures for sending and receiving mail have no >reason to be the same or to share identical technical choices. > > I run two >>> instances of CM with a total of 15 active email accounts (nearly as >> many retired) and ALL of them are set to: >> POP3 = SSL (orthogonally: I hate IMAP) >> SMTP = SSL > >Do you conclude from this thatb STARTTLS should never be used? :) > >> >Those are different services and may well imply different settings >> >without anything being wrong. >> >> I tried changing POP3 from SSL to SSL/STARTTLS and EVERY server access >> resulted in: >> ** Session timed out. You may be able to recover by increasing the >> timeout value in Preferences/Other/Miscellaneous. > >So you have tried mis-using a service and ended up with a >non-functional setting. This seems pretty normal to me. > >> So I suppose a _bug_ report could be opened against misleading >> information :) > >I am still not understanding what here is misleading. Each POP3 service >provider, as well as, and independently of, each SMTP service provider, >even for the same domain, may choose its own settings freely. The goal >of auto-configuration is to get the settings from the provider in some >way, then apply them. If you get the provider settings then apply some >other settings, then you are not doing auto-configuration, you're doing >guess-configuration. > >> >What capabilities do your POP and SMTP servers announce on >> >connection? >> >> Good question... and with very interesting results.... >> >> ---------POP---------- >> Packet captures shows that while the CM settings are SSL, the >> communications occur as TLSV1.2; the sequence is: >> CM Server >> SYN(wsz=29200,MSS=1460,SACK=1,...) >> SYN,ACK(wsz=14480,MSS=1380,SACK=1,...) >> ACK(calcWsz=29312) >> Client Hello (TLSv1.2) >> ACK >> Server Hello (TLSv1.2) >> etc.... >> >> However, when set to STARTTLS, this is the ENTIRE exchange: >> CM Server >> SYN(wsz=29200,MSS=1460,SACK=1,...) >> SYN,ACK(wsz=14480,MSS=1380,SACK=1,...) >> ACK(calcWsz=29312) >> FIN, ACK <===========<<< >> ACK >> FIN,ACK >> ACK >> >> NO capabilities are ever announced because CM aborts the connection >> instead of initiating the next step... is this what CM should be >> doing? Up to this point, there is no information in the SYN sequence >> telling the server what is coming... Now looking like a bug v. an >> enhancement report... >> >> ---------SMTP---------- >> This too returns: >> *** Session timed out. You may be able to recover by increasing the >> timeout value in Preferences/Other/Miscellaneous. >> >> Wireshark reports: >> CM Server >> SYN(wsz=29200,MSS=1460,SACK=1,...) >> SYN,ACK(wsz=14480,MSS=1380,SACK=1,...) >> ACK(calcWsz=29312) >> FIN, ACK <===========<<< >> ACK >> FIN,ACK >> ACK >> >> ----------------------- >> So, in both POP & SMTP, CM aborts connections when set to STARTTLS... > >What is the timing? Is the communication aborted as soon as started, or >is there a silent period (which could mean a time-out waiting for the >server's welcome banner, for instance). POP STARTTLS: CM ACK at 09:35:22.165738018 CM FIN,ACK at 09:35:22.518216870 (352ms) SMTP STARTTLS: CM ACK at 10:42:16.976440538 CM FIN,ACK at 10:42:27.516643314 (10.54 seconds) Quite a difference in times... In both cases, I believe it's up to CM to proceed with the next step. When SSL is selected, CM issues a Client Hello instead of a FIN,ACK... With STARTTLS, CM waits & aborts while the server sits expecting a Hello... >BUT... if the server does not support STARTTLS, it may not support >cleartext connections at all. How would the server know what is coming next if CM aborts & never attempts the connection beyond the SYN sequence...? >> >This may influence the auto-configuration process. >> >> How? The auto-configuration is based on DNS SRV records, nothing >> else as witnessed by a wireshark capture: >> CM sends 2 packets: >> DNSq: _pop3s._tcp.domain.tld: type SRV, class IN >> DNSq: _submission._tcp.domain.tld: type SRV, class IN >> and gets these responses ~230ms later: >> DNSr: _pop3s._tcp.pfortin.com: type SRV, class IN, priority 10, >> weight 1, port 995, target pop.service.tld >> DNSr: _submission._tcp.pfortin.com: type SRV, class IN, priority 0, >> weight 1, port 6465, target smtp.service.tld >> >> Nothing else... >> >> If STARTTLS doesn't work at all, then that would imply that only SSL >> is required (note that SSL actually uses TLSv1.2 in the wireshark >> captures) and STARTTLS may be redundant... > >STARTTLS may work or not depending on the server setting. But if it is >supposed to work, then the server should accept cleartext connections, >if only to let the client send the STARTTLS command -- and this means >the server should send a banner and respond to a EHLO with a list of >its capabilities. Again... CM *aborts* the connection rather than proceed normally... In the case of SMTP SSL, CM's next packet is a PSH,ACK v. FIN,ACK with STARTTLS... >> Over the years, I never noticed that _all_ my accounts are set to SSL. >> When I've had problems setting up new ones, I recall having to make >> changes to the SSL pane... >> >> Based on my wireshark captures, can anyone be using STARTTLS >> successfully? > >Depends on the server -- IP+port: some providers have SSL service on >one port, STARTTLS on another one. Yup... that's by convention -- nothing magical about port v. service (note luxsci.com uses 6465 for SMTP); but you still seem to be refusing to recognize what I'm reporting... that CM in STARTTLS mode *aborts* rather than proceeding to the next step... >> What am I missing? Note to self: if there's a SSL+TLS v. STARTTLS clue/hint in the SYN sequence, I still don't see it... >Wouldn't know unless I knew which server (domain) you are talking >about, so that I could check the advertised settings vs working >settings. Easy.... :) $ dig +short srv _pop3s._tcp.pfortin.com 10 1 995 pop-2.luxsci.com. $ dig +short srv _submission._tcp.pfortin.com 0 1 6465 secure-email-2.luxsci.com. $ dig +short srv _pop3s._tcp.gmail.com 20 0 995 pop.gmail.com. $ dig +short srv _submission._tcp.gmail.com 5 0 587 smtp.gmail.com. >What I know is, I've got many accounts set to SSL for both >POP and SMTP, and one set to SSL for POP and STARTTLS for SMTP, and all >work well -- but I can't swear they were all auto-configured. Have you sent from the STARTTLS one lately? Does it fail with SSL? BTW, free.fr does not report SRV records, so no auto-config there... So the plot thickens.... :) >Amicalement, De me^me PS SSL is really SSL+TLS [Take your time; I'm gone for the rest of the day... later...]


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Our vision at "The Masterpiece" is to bring all the pieces of your puzzle together, and to help you become the best possible version of yourself.
We want you to look and feel the way God intended you to look and feel. Marvelous, beautiful, confident, exciting and content.
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Welcome to some of the best Kratas genealogy resources found on the web. We hope you will participate on the Kratas forums, it is a great place to find or post information on Kratas genealogy and is completely free to participate. We have collected some of the best resources from across the web to do research on Kratas history, Kratas ancestory, and Kratas family connections.
If you are a Kratas, or are realated to the Kratas family we invite you to participate and exchange genealogical information.


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Mainland China reports rise in new coronavirus cases, all from overseas
BEIJING/SHANGHAI — Mainland China reported an increase in new confirmed coronavirus cases, all of which involved travelers arriving from abroad, the National Health Commission said on Thursday.
The commission said in a statement that a total of 67 new cases were reported as of end-Wednesday, up from 47 a day earlier, putting the total accumulated number of confirmed coronavirus cases to date at 81,285.
The commission also reported a total of 3,287 deaths at the end of Wednesday, up 6 from the previous day.
(Reporting by Se Young Lee and David Stanway)


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Mindzoom Affirmations Subliminal Software
The practice of spiritual affirmation is further empowered by the use of creative visualization. That deeper pan of ourselves works more with images and emotions than with thoughts and words. Tnus, visualization is part of spiritual practice in virtually all mystical traditions, including
Gnostic Christianity. In the Sophian tradition, this art is commonly applied to entering into conscious contact and communion with great masters and angelic beings, but it is also used in conjunction with spiritual affirmations to manifest specific circumstances, situations and events in ourlives—hence, in both a spiritual and practical context.
Essentially, creative visualization is a conscious use of our faculty of imagination and daydreaming, so that rather than randomly wandering here and there, the power of our creative imagination is completely focused on what we wish to manifest. The key is complete concentration on the visualization in a relaxed but alert way, envisioning exactly what you wish to occur in as detailed and clear a form as possible. This can include sound, smell, taste, and touch, as well as sight, so that it is as though it is actually happening in your mind. The greater the detail, the clearer the visualization. The more concentrated and involved you are. the greater the power of the visualization to actually bring about the manifestation of what you desire.
Creative visualization is an art. Like any art, it takes practice to gain skill at it. Yet, everyone is capable of creative visualization. In fact, everyone does it every day, only many people are unconscious of it. We all have daydreams. We are all able to visualize things familiar to us, and we certainly all have very vivid sexual fantasies! Creative visualization is merely an evolution of our creative imagination, based upon the recognition that the imagination is far more than idle fantasy. It is actually a manifesting power. According to Christian Gnostic teachings, affirmation and creative visualization were the foundation of the great wonders Yeshua performed, and a significant pan of the spiritual practice he taught to his disciples.
We can now consider a logical extension of affirmation and creative visualization which is used by Sophian initiates for success in both spiritual and material matters, the principles of which can be applied for success in any human endeavor. It is called the Practice of Perfect Success.
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Learning About Ace Your Life With Affirmation Can Have Amazing Benefits For Your Life And Success. A Step By Step Guide On How To Be Effective In Using Affirmations.


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180ml Plastic Squeezable Bottle With A 38mm Frosted Flip Top Cap
180ml Squeezable clear PET plastic sauce and dressings bottle with a frosted plastic flip top cap, reduces the bottle neck, saving on over use of the product and mess. If your usual choice is plastic then our PET bottle could be just the money saving option you've been looking for. The clear plastic offers maximum clarity to the product within – great for showcasing the natural colours or your dressings and sauces.
This is the perfect little bottle for salad dressings, chili sauces and sweet syrups. It's great for runny honey, sweet chutney, spicy chili sauce and many other condiments.
Bottle comes with a 38mm frosted plastic Flip-Top cap. The cap has an I.H.S. liner and can be used with a heat machine (The foil coating adheres to the bottle neck creating an airtight seal). No heat machine? Not a problem without a heating the device the cap the IHS is simply a cap liner (Preventing leakage). The cap is available in two colours (Black or white) Each colour has a different sized pourer opening, so you may want to consider this when making your choice.
- White Cap has a large 13mm Pourer – Great for thicker sauces such as Ketchups
- Black Cap has a smaller 7mm Pourer – Perfect for salad dressings
- Price includes bottle and 38mm frosted flip-top cap
- Black flip-top valve/ pour cap also available.


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OBJECTIVE: To determine the frequency of new coronary artery disease (CAD) cases during the years 2015, 2016 and 2017 in patients presenting to a cardiology clinic and to look for its current trends in Khyber Pakhtunkhwa (KP), Pakistan.
METHODS: This descriptive study was conducted in a private clinic of interventional cardiologist, based in Lady Reading Hospital, Peshawar, Pakistan from January to March 2018. We retrospectively analyzed the echocardiography data and review of clinical records from January 2015 to December 2017 and identified cases of incident CAD based on Regional Wall Motion Abnormalities on echo. SPSS V20.0 was used for analysis. We applied the unpaired t-test to look for an increasing trend in CAD between 2015-2016, 2016-2017 and 2015 through 2017.
RESULTS: A total of 3865 patients of incident coronary artery disease were identified from January 2015 to December 2017. The number of incident CAD patients was 998 in 2015, 1362 in 2016 and 1505 in 2017. We applied the unpaired t-test on the number of post myocardial infarction patients for an increasing trend in 2015 vs 2016, 2016 vs 2017 and 2015 vs 2017 which showed a p-value of <0.001, 0.961 and <0.001 respectively.
CONCLUSION: CAD is on the rise in KP over the past 3 years and attention needs to be paid to risk factor control and health education in addition to improvement in the health system to prevent this trend from getting out of control among the population of KP.
Lozano R, Naghavi M, Foreman K, Lim S, Shibuya K, Aboyans V, et al. Global and regional mortality from 235 causes of death for 20 age groups in 1990 and 2010: a systematic analysis for the Global Burden of Disease Study 2010. Lancet 2012 Dec 15;380(9859):2095-128. DOI: 10.1016/S0140-6736(12)61728-0.
Leeder S, Raymond S, Greenberg H, Liu H, Esson K. A race against time: the challenge of cardiovascular disease in developing economies. New York: Trustees of Columbia University 2004. [Cited on: July 11, 2018]. Available from URL: https://www.earth.columbia.edu/news/2004/images/raceagainsttime_FINAL_051104.pdf.
Shepard D, Vande-Zanden A, Moran A, Naghavi M, Murray C, Roth G. Ischemic heart disease worldwide, 1990 to 2013: estimates from the global burden of disease study 2013.Circ Cardiovasc Qual Outcomes 2015 Jul 1;8(4):455-6. DOI: 10.1161/CIRCOUTCOMES.115.002007.
Kim AS, Johnston SC. Global variation in the relative burden of stroke and ischemic heart disease. Circulation 2011 Jul 19;124(3):314-23. DOI: 10.1161/CIRCULATIONAHA.111.018820.
Yakoob MY, Micha R, Khatibzadeh S, Singh GM, Shi P, Ahsan H, et al. Impact of dietary and metabolic risk factors on cardiovascular and diabetes mortality in South Asia: Analysis from the 2010 global burden of disease study. Am J Public Health 2016 Dec;106(12):2113-25. DOI: 10.2105/AJPH.2016.303368.
Moran AE, Tzong KY, Forouzanfar MH, Roth GA, Mensah GA, Ezzati M, et al. Variations in ischemic heart disease burden by age, country, and income: the Global Burden of Diseases, Injuries, and Risk Factors 2010 study. Glob Heart 2014 Mar 1;9(1):91-9. DOI: 10.1016/j.gheart.2013.12.007
Moran AE, Forouzanfar MH, Flaxman AD, Roth G, Mensah G, Ezzati M, et al. Temporal trends in ischemic heart disease mortality in 21 world regions, 1980-2010: The global burden of disease 2010 study. J Am Coll Cardiol 2010;61(10 Supplement):E1407. DOI: 10.1016/S0735-1097(13)61407-2.
Tunstall-Pedoe H, Vanuzzo D, Hobbs M, Mähönen M, Cepaitis Z, Kuulasmaa K, et al. WHO MONICA Project. Estimation of contribution of changes in coronary care to improving survival, event rates, and coronary heart disease mortality across the WHO MONICA Project populations. Lancet 2000 Feb 26;355(9205):688-700. DOI: 10.1016/S0140-6736(99)11181-4.
Kuulasmaa K, Tunstall-Pedoe H, Dobson A, Fortmann S, Sans S, Tolonen H, et al. Estimation of contribution of changes in classic risk factors to trends in coronary-event rates across the WHO MONICA Project populations. The Lancet 2000 Feb 26;355(9205):675-87. DOI: 10.1016/S0140-6736(99)11180-2.
Ford ES, Ajani UA, Croft JB, Critchley JA, Labarthe DR, Kottke TE, et al. Explaining the decrease in US deaths from coronary disease, 1980–2000. N Engl J Med 2007 Jun 7;356(23):2388-98. DOI: 10.1056/NEJMsa053935.
Di-Cesare M, Bennett JE, Best N, Stevens GA, Danaei G, Ezzati M. The contributions of risk factor trends to cardiometabolic mortality decline in 26 industrialized countries. Int J Epidemiol 2013 Jun 1;42(3):838-48. DOI: 10.1093/ije/dyt063.
Jafar TH, Gandhi M, Naheed A, Jehan I, De Silva HA, Finkelstein E, et al. P6256 Large cardiovascular risk burden in rural Bangladesh, Pakistan, and Sri Lanka: design and preliminary findings in a Cluster Randomized Controlled Trial (COBRA-BPS). Eur Heart J 2017 Aug 1;38(suppl_1):ehx493.P6256. DOI: 10.1093/eurheartj/ehx493.P6256.
Huffman MD, Rao KD, Pichon-Riviere A, Zhao D, Harikrishnan S, Ramaiya K, et al. A cross-sectional study of the microeconomic impact of cardiovascular disease hospitalization in four low-and middle-income countries. PLoS One 2011 Jun 14;6(6):e20821. DOI: 10.1371/journal.pone.0020821.
Reddy KS. Cardiovascular disease in non-Western countries. N Engl J Med 2004 Jun 10;350(24):2438-40. DOI:10.1056/NEJMp048024.
Popkin BM, Adair LS, Ng SW. Global nutrition transition and the pandemic of obesity in developing countries. Nutr Rev 2012 Jan;70(1):3-21. DOI: 10.1111/j.1753-4887.2011.00456.x.
Joshi P, Islam S, Pais P, Reddy S, Dorairaj P, Kazmi K, et al. Risk factors for early myocardial infarction in South Asians compared with individuals in other countries. JAMA 2007 Jan 17;297(3):286-94. DOI: 10.1001/jama.297.3.286.
Danaei G, Finucane MM, Lu Y, Singh GM, Cowan MJ, Paciorek CJ, et al. National, regional, and global trends in fasting plasma glucose and diabetes prevalence since 1980: systematic analysis of health examination surveys and epidemiological studies with 370 country-years and 2.7 million participants. Lancet 2011 Jul 2;378(9785):31-40. DOI: 10.1016/S0140-6736(11)60679-X.
Yamamoto SS, Phalkey R, Malik AA. A systematic review of air pollution as a risk factor for cardiovascular disease in South Asia: limited evidence from India and Pakistan. Int J Hyg Environ Health 2014 Mar 1;217(2-3):133-44. DOI: 10.1016/j.ijheh.2013.08.003.
Jibran MS, Zahid ZU, Shawana, Gul AM, Khan SB, Irfan M. Association of nonalcoholic fatty liver disease with coronary artery disease. Pak Heart J 2017;50(04):248-52.


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Shortly after leaving the ruined cityscape, Lino and Hannah found themselves on yet another magical adventure as they reached the edge of what turned out to be just a single island in the sky, floating seamlessly above the clouds. All around them the two spotted dozens of similarly-shaped sky islands floating about, and those were only the ones they could see with their naked eyes.
Lino took out Grim as the two mounted the bird who soared through the sky, bounding from one island to the nearest one toward the east. Unlike the previous, which had largely been dominated by ruins and mountains, the one they landed on was a different sort of paradise; lush forest of violet trees stretched in a crescent shape, surrounding a series of inter-connected lakes each doused in thick mist.
At the very heart of the island stood an obelisk, its entire surface carved out with runic characters that neither Hannah nor Lino recognized. Though the runes were dim, it was easy to extrapolate that once upon a time they glistened brightly against the obelisk's jet-black surface. Tipping over the very end of the obelisk was a glassed sphere, rotating rings surrounding it. Grim took to the sky and led the two just next to the sphere, allowing them to get a better look on what was inside.
A single ring spun within the sphere, though 'ring' may be an understatement as Lino was fairly certain he couldn't even wear it on his thighs. It seemed entirely made out of stone save for a singular ruby gem as the centerpiece which shone faintly, though its light was contained within the sphere.
Lino reached out cautiously and touched the sphere, realizing quickly it was quite chilly to the touch. Pressing harder, rather than the expectant cracking of the glass, Lino nearly toppled over Grim as his hand simply passed through the surface; Hannah barely managed to catch him in time, quickly pulling him up.
The ring within the sphere suddenly shook once, contorting as though molded by hands until it fit Lino's palm neatly. The latter quickly pulled his hand out of the sphere, his expression expectant, checking the ring's stats.
[Imperator Ring]
Note: The most valued treasure of the Xav Titan Clan, the Imperator Ring was destroyed in the Wars of the Fallen, shattered into a 100 pieces which scattered throughout the world. Legends say that bringing all the pieces back together will resurrect the Ring's Will, giving birth to the Void-Tier equipment.
"..." Hannah barely stifiled her laughter as she watched Lino's expressions dance like the bride and the groom during the wedding. From anger to confusion to wonder to unbridled rage...
"Fucking piece of shit," Lino growled lowly, yet still put the ring away into the void world. "What do you mean a piece? It's clearly the whole ring. If Titans weren't already extinct, I'd have hunted them all down myself, those motherfuckers."
"... why are you so disappointed?" Hannah asked. "Can't you just craft whatever treasure you want?"
"That's besides the point!" Lino exclaimed as Grim took flight yet again, bounding toward another island. "Who doesn't like finding a treasure, huh? It's the sense of surprise, of joy, of the adventuring spirit that causes all those otherwise rational people to jump straight into an inferno just in hopes of finding something cool they can use. There's a reason why treasure hunter is an occupation, Hannah! Don't make fun of the people's dreams!"
"You really love unloading random shit on unsuspecting innocent, don't you?"
"That's what I live for." he grinned widely, turning his attention to the island they were about to land on.
Both their expressions suddenly darkened as Lino withdrew Grim into the Dimensional Pouch, unfurling his wings and forming a massive, golden shield around him and Hannah. The two quickly donned their masks as, seemingly out of nowhere, hundreds of bolts of darkness struck at the shield, barely managing to shake it momentarily.
Looking down onto the island, Lino saw numerous shadows darting through the rocky formations, running away from them.
"Let me." Hannah held his arm back as he reached to draw out a weapon.
Suddenly leaping off, Hannah began gliding through the sky as thundering bolts began crackling and dancing around her body. Slowly gaining speed, she quickly caught up to the shadows and came to an abrupt halt, spinning about and using her arm to guide a condensed bolt of lighting before spitting it forth toward the ground.
The bolt turned into a massive sphere as she clasped her hands together, causing the sky above her to dim, drifting in clouds, as they cleaved open a mouth, sucking in a mass of Qi before transforming it into pure, white lightning. The streaks danced about like rain for a moment before bolting downwards, striking at the ground and causing massive explosions to erupt one after another.
It was also then that the sphere landed squarely at the center of the island, suddenly expanding into a massive net surrounding the whole floating rock and barring everyone temporarily from leaving. Several of the shadows quickly turned to ash, but Lino in the end managed to catch one before the latter managed to commit suicide.
Holding up the Demon, Lino sighed inwardly; though it was a High-Tier Demon, it was still but a pup in his eyes. Yet, that very pup defiantly stared at him, fearless down to his bones.
"How'd they sneak in?" Hannah mused out loud as she joined Lino on the ground.
"Eh, they have their ways I imagine." Lino replied. "They're really starting to piss me off with their antics."
"What do you want to do?"
"What do you think?"
"It's easy enough to root them out," Hannah said. "But, we don't know their numbers and I highly doubt this kid will squeal."
"... their numbers are irrelevant," Lino said, sighing. "What worries me are their plans. This almost feels like they're purposefully telling us they're here."
"... it does." Hannah assented after a short thought. "So? Are we going to dance to their tune?"
"Their target's probably not me but you," Lino glanced sideways and suddenly smirked, causing Hannah to shudder. "After all, however ballsy they are, they wouldn't dare actually kill me. You, on the other hand..."
"... are you seriously implying I go out and act as a bait?"
"All I'm saying is that you'd make a fantastic one."
"Isn't this the point where the man bravely steps out and says it's too dangerous and tells his girl to back off so he can go and deal with it?" Hannah said, seemingly somewhat panicked.
"I trust you."
"... don't."
"But I do."
"... you'll owe me."
"Big time, I know."
"... haaah... fine..." Hannah nodded, disgruntled. "What will we do about him?" she then pointed at the placid Demon whose throat was still clenched by Lino.
"Eh, we killed the rest of his friends. He might be sad for a while so let's save him from that misery." pressing tighter, snapping sound quickly echoed as the Demon's head heaved sideways. Lino glanced at the dead eyes for a moment before throwing the body away, sighing in the process.
"You think they bought it?" Hannah asked, playing with her hair.
"Of course they bought it," Lino shrugged, taking out Grim yet again. "They're hall-of-fame morons."
"We flank?" she asked, climbing the bird.
"Yeah," he replied as the two took to the skies yet again. "You take the western point around the island, and I'll go to the northern one and 'hide'. When they draw out to attack me, jump in and fuck shit up."
"... oh? I'm allowed to go all out?"
"If you wanna wake up Umbra, sure. Go ahead. Set the world on fire."
"Tsk. Stingy. Will you be okay, though?"
"Of course I will," Lino chuckled. "I'll just play around with them for a little while and see what they're made of. Let's not drag this on too much. We've still got a whole lot more to do here."
"Alright. Hit me up if anything unexpected comes up."
"Will do." the two kissed before Hannah jumped off Grim, coating her body in lightning and streaking ahead of Lino.
The latter gazed in her direction for a while while his lips curled up in a warm smile. His eyes then veered off, away from the east where Umbra was, and toward what he believed to be the center of the Realms. Ever since he entered here, he'd sensed a peculiar presence far, far away; he couldn't even ascertain as to whether the feeling was real or simply a small case of paranoia, but he certainly felt as though he was being watched.
"Don't worry about it too much," the Writ's voice suddenly echoed inside his mind. "You're still some ways off from heading over there."
"... so I'm not imagining shit?" Lino asked.
"No. But there's no reason to focus on it. After taking Umbra with you, head off to explore every island. From what I recall, these should be inter-connected ruins of the six last Titan Clans before their Fall. Only after that will you head off toward the center."
"... you do realize that you're just making me more curious?"
"I'm motivating you."
"Oh, nice one. You're finally getting a grip on how things work in reality."
"Thank you."
"Haah... anyway, let's first focus on the task at hand: some overdue kicking of Devil butt."
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Honors Thesis Project Title
Date of Graduation
Electrical Engineering
Major 1
Electrical Engineering
First Advisor
Dr. Mark Dean
Second Advisor
Mr. Harshal Upadhye
Recommended Citation
Bouler, Doug W. III; Wortham, Alex; Bandara, Asanga; and Chaloux, Alex, "Energy Demand Management" (2016). Chancellor's Honors Program Projects.
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In her book "Getting Off: One Woman's Journey Through Sex and Porn Addiction," Garza, 35, tells her story of how she would continually cancel.
Some studies indicate that men develop sex addiction roughly twice as often as women. Affected people sometimes start their sex lives at an.
Porn addiction and sex addiction are not the same disorder. about 38% of men and 45% of women with sex addictions have a venereal disease as a result of.
Sex addiction is now considered a real mental health disorder. high libido or watch too much porn, so they're diagnosed as a sex addict by someone . "Women are less likely to report it, hence lowering their actual reported.
People sometimes think that sexual addiction is a males-only disorder, that women are not susceptible. This is not in fact the case. Unfortunately, female sex.