text:
Monday, March 24, 2008
Reader's Panel: Focusing Your Blog
I began writing my blog mainly as an update for friends and family. I have been writing for a few months and have gravitated more towards how our family is trying to live a "greener" life. I enjoy the flexibility blogging offers and there are other topics I sprinkle in from time to time. A lot of tips/suggestions I read say it is better to stick to writing about one topic. Do you agree? Do you think it is better to have a couple of different themed blogs?
This terrific question came from Gray Matters. How focused should your blog be? What is your niche and how loyal should you be to it? You'll get a variety of opinions--some say know your place and never deviate therefrom and some say write whatever you darn well please and if it's wrong to write posts regarding Communist gardeners and their snowboarding chihuahuas then you shouldn't care to be right.
But let's start at the beginning: why are you blogging? Gray Matters, like many of us, started her blog as a journal/newsletter. Are you writing to keep grandma supplied with stories and pictures of the grandkids? Are you writing to attract outside readers? Are you writing to start up a dialog or build a community of friends? Are you writing to earn money? Your answers will determine the focus of your blog.
The bottom line is: if you're blogging for yourself or for grandma, you can write whatever you please. Who cares if people come and read it, if you're writing what you like and posting on topics you enjoy the rest of the blogosphere be hanged.
However, if you're writing for an audience outside of your immediate friends and family (those who love you unconditionally and have no choice but to read) then you're subject to the absolute, number one rule of communication. Not just blogging, not just journalism, not just writing but communication in all its varied forms which is KNOW YOUR AUDIENCE.
Know Your Audience
Who are you trying to reach? Who are you trying to appeal to? What are they like? What are their interests? What do they do for fun? What do they eat for breakfast? To be able to effectively communicate you have to have some idea of who's on the other end of your sentences so you can package them in the most attractive, most intelligible, most enduring way.
My audience here at Scribbit is pretty specific (and pardon me for generalizations here) my readers are mostly women, predominantly wives and mothers, 85% are from the United States, most have some education beyond high school, most are Caucasian, most are middle class and most don't blog (please don't send me email if you're a single Asian male who's a high school drop-out that's made millions blogging--as I said these are just generalizations).
What does that mean? Well for me, I blog because I love--make that have--to write, it's been in my blood since I was a kid. I love sharing ideas, love the blogging community and I love creating something that others enjoy. But if I were being honest I'd also admit that I'm terribly ambitious and would be very happy if Scribbit were read by every man, woman and child on the planet--world domination, that's the ultimate goal--so I'm constantly trying to ascertain and meet my audience's needs to build a better blog.
So I'm aware that blogging posts like this, though popular among bloggers, are not popular among the non-blogging majority of my readers. So why do I write them? Because they help other bloggers, they're fun to write, they give me material to post and they're excellent link bait--posts on blogging get linked to from other blogs. However, I only do them every once in a while, maybe every six weeks or so, for fear of turning off my regular non-blogging readers. (Are any of you still here at this point? Have you already clicked out?) And when I do write a blogging post I will often do a short second post the same day designed to appeal to the non-blogging readers.
There really isn't any debate on this, anyone who writes well enough to make money off of their skill will tell you the same thing: know your audience. The debate comes in when you start to wonder how tightly you should focus your content for your audience. For example, among the myriad of blogs by women there are blogs about parenting, food, crafts, religion, politics, books, homekeeping, pets, gardening, environmentalism and regional interests. How tightly should you focus your subject matter? Instead of posting tips, recipes, crafts, commentaries and travel-in-Alaska stories should I stick with just one of these areas? If I feel compelled to write posts about blogging should I start another blog for that topic?
Know Yourself
I say no (obviously). Why? Well first of all, right behind that massive "know thy audience" commandment is the second which is like unto it: "know thyself." I LIKE all of those subjects related to parenting and homemaking and Alaska and enjoy writing about them. Happy writers mean better writers--yes, yes, I know the image of the tortured writer lurking like Raskolnikov in the corner but the reality is, you'll write better posts if you're writing about things that you like that bring out your emotions. So know your audience and give 'em what they want, but don't feel that you have to give them the same thing every day if you don't want to. Not only will you get bored, your audience will too.
For example, I like to cook, garden, do the occasional craft and parent. I like to laugh and I like to learn and I'm betting that among all my visitors that fit into the same demographics as I do there are a few others who like the same things. Not maybe the exact combination but some of the same things. So I post things that I find interesting, that make me laugh, that I've learned from and hope that others have the same reaction I do.
To me Scribbit is my online magazine and just as you'd find in an offline magazine there are a range of topics designed to appeal to a certain segment of the population. I'll hear from readers who say, "I love your lists," or "I love your recipes," or "I love your stories about your kids" it seems that everyone has something different that they like but if I'm able to provide them with one thing that they like about once a week they'll keep coming back (hopefully).
With all my different interests some would suggest having different blogs to address each new topic I write about. There is some benefit to this--if you want to make more money and can drive traffic from one successful blog to a new blog, creating more revenue, this might be an attractive option (Blogging Basics 101 has been able to do this with the firepower of Rocks in My Dryer behind it) but it will depend on how well you are able to handle the increased work load a second or third blog presents. Know yourself--can you handle another blog or writing gig?
If you fragment yourself by writing at multiple sites you run the risk (and it's a big one) of decreasing the quality of your writing. I mentioned how much time Scribbit takes to maintain and I can tell you there's NO WAY I could write at a second blog--not without a staff. Which might not be a bad idea down the road when that world domination plan takes effect but right now that means one blog and only one blog for me.
It's common for bloggers to start a second blog to handle a specific topic such as product reviews (Island Reviews, Does Mommy Love It? and Lookit! I Spy are examples) this is often because of the restrictions advertising networks place on content. If you join the Blogher ad network, for example, they will not let you review a product worth more than $40. So bloggers set up a second site without Blogher ads where they do their reviews. Me? I resent anyone telling me what I can or can't post so I turned down Blogher and set up my own ads--and do my reviews anyway. So there. But it's all a matter of choice and balance--just be aware that a second blog means more work and the risk of decreasing your content quality. Be afraid. Be very afraid.
So know your audience and know yourself. If you don't know who your audience is, maybe you should ask. Put yourself in their shoes and think about what you'd want to read and if it's something you'd like too--write about it. You'll enjoy blogging more, your posts will be better and your readers will thank you by coming back for more.
Technorati tags: blogging, writing
41 comments:
- Musings of a Housewife said...
Excellent post! Well written. And I agree about fragmenting yourself. I'm learning that the hard way. :-)
By the way, any advice on setting up your own ads? I'm rather disillusioned with blogherads at the moment. - 11:32 PM
- Jthemilker said...
Thanks for the fabulous tips. I have been trying to organize my blog the past couple of weeks. I'll be researching some of your links on this quest as well. You really are a wealth of knowledge and I, for one, appreciate it! Happy Monday!
- Trish said...
This is excellent, you really considered all the angles. I have been thinking about this question myself lately and definitely appreciate your advice.
- 2nd Cup of Coffee said...
Excellent advice. I am sort of all over the place. I've been told that my writing leans toward the devotional genre, but I get the most traffic and comments when I write humor. I just could not "be funny" daily or seriously meditative day after day. I actually prefer to read other blogs that are all over the board. People are unique and completely fascinating--unless they write about the same thing over and over.
- M said...
Great post! Excellent advice!
I would add or maybe think about this as a second post,if you are blogging to make extra income...how do you plan to make this income...through ads? By making a name for yourself? By gaining a large enough audience to support a book you are writing?
The audience for whom you choose to write matters if you look at bloggin as a money making venture. - 5:34 AM
- Claremont First Ward said...
I, for one, love this post. Are most of your readers really NOT bloggers? I only started reading blogs as a by product of starting my own, so it surprises me how many people read blogs without hosting one themselves.....
I enjoyed this post. I love multi-faceted blogs with different kinds of posts -- to me that's the most of us really are, and I get to know different sides of a blogger's personality that way.
I can see some instances where having a different blog for certain topics works, like the Rocks In My Dryer/Blogging 101/Bloggy Give-aways sites. But as a general rule, I really don't like it when I come to a site I regularly read and see a note that says "I am over here today" or "See this post at my other blog today." I may be the only person in the world irritated by that. - 6:33 AM
- Jennifer said...
Reader's Panel is such a helpful feature. I have a question for a future panel post: How do you know if you have enough readers to make ads worth it? Or, how do I know if I have enough readers to convince someone else to advertise on my site?
- Daisy said...
World domination through blogging? So that's what's going on! I'm always the last to figure out these things.
- Amy said...
Great tips! I know I had a hard time not having an advertising network just because maintaining and seeking the advertisements plus keeping up with payments was running me ragged. Bringing in an ad network did cause me relinquish control a bit on some aspects, but was worth a small headache versus the big headache I faced trying to maintain our advertisements. I admire you taking that on and the control you can hold doing that.
Even though it doesn't fit your demographic, I truly enjoy what you share through these posts. - 8:21 AM
- Amy said...
Oh my goodness, yes on the multiple blogs. I have my own and am writing for two others and sometimes feel resentful to have to sit down at the computer! Thankfully, the other two are collaborative, so the weight of the world is not on me. ;-)
- An Ordinary Mom said...
Excellent advice! Blogging is really all about your ultimate desire ... once you know that, follow your heart.
- Scribbit said...
Well thanks for your comments--I'm glad it's helped.
Sounds like a post on advertising would be a good idea. I'll tackle that next, probably in a month or so. I could use the extra month to learn a bit more before I try to teach anyone anything. It's been a tough thing for me to figure out, probably the hardest thing in all of my blogging experience.
Linda, I understand what you mean, some posts are popular and some aren't so much. However, don't be tricked by the comments. Monday is a high traffic day and this post will get more traffic than most of the rest of the week but because of the subject matter I'll expect not more than 20 comments. When something is funny you'll get a lot of "ROFL" type comments but a good craft idea will get passed around and get great links. A giveaway gets great traffic, low comments and very few links. You have to analyze and know what posts will do what things for you and plan accordingly.
Barbara h--that's a perfect example of what I'm talking about, it irritates you to see "I'm blogging over here today" and it's a turn off for me too. So if you ever find yourself in the position of writing at a second spot, what does that mean you should do? Expect that the majority of your readers will probably feel as you do so provide them with something to read rather than leaving them hanging, feeling as if they're not as important as the readers at this other spot. You can link over to the other place and say, "I'm ALSO writing here today" but to leave them without a post in favor of another audience just makes them feel unimportant. I wouldn't do it. Perfect example of analyzing your own feelings and translating that into better content. - 9:07 AM
- Kayris said...
Personally, I'm aiming for the mommybloggers to take over the world. LOL
Anyway, I have 5 blogs (two with other contributers) and only two of those get regularly updated. I tend to put most of my time and energy into my family blog, and if I were to devote the same amount of time to my other blogs, I'd seriously need a full time nanny. So if a person is looking to make their blog a success, with a large readership and plenty of money coming in, I would lean towards having one blog and maybe two, but that's it. Blogging is a huge time suck.
As for what you write, the issue of self-censoring has been around for a long time, and Michelle is so right when she says "Know your audience." I have shied away from discussing the presidential election because most of my readers are not so into debating politics, and also because the issues are touchy and I'd rather not turn my family blog into something that is controversial. - 10:06 AM
I laughed out loud at your "Be afraid. Be very Afraid" comment about starting a second blog. :) I had toyed with the idea at one point, and am glad I decided not to.
I really appreciate posts like this one Michelle, and you are such a great source of advice for people working to improve their blogs. I was quite literally blown away that you would take time to answer my questions when I was just starting my blog, and I'm a loyal reader because of it (even though I don't get out of my reader often enough to come over here and comment). I know I still have a long way to go and have lots of room for improvement and growth at my place, which is why I really appreciate your posts like this. Thank you for sharing your hard-earned experience so freely and eloquently.
I adore your blog on a multitude of levels and can't wait to see what you have up your sleeve next. Keep up the most excellent work! - 10:52 AM
- Kayris said...
P.S. If you're considering topics for blogging posts, I'd love to see one about copyrighting and ways to keep your work from showing up on random sites. I believe the term is called "blog scraping" and I'd love to know how to stop it!
Personally I am going for "Supreme Commander of the Universe" so maybe we'll meet someday! I'm not quite sure how I'll get there but it's a goal nonetheless.
I was first directed to your blog when I searched for a "placemat purse" tutorial. I've been coming back daily since then because I truly enjoy your writing style and the variety you offer. I say - do what makes you happy! - 11:17 AM
- Ice Cream said...
I agree. I love your posts about blogging but would get overwhelmed if you did them too often.
For me, I finally had to realize that I blog for the sake of hearing myself talk and to keep a personal journal. Anytime I tried to blog for another reason I did it badly, hurt someone's feelings, lost interest, or wanted to stop all together.
Another downfall of having too many blogs for different subjects is a smaller audience/influence. When I find a blog I like run by someone with mulitple blogs I only read one of their blogs due to time and so I am probably missing a lot of great stuff simply because they are putting it on their other blog. - 1:35 PM
I loved your post!! You can make money blogging(!?) I will have to read your future post on this!
I got into blogging when I saw an artist friend's blog. I thought it would be a good way to keep in touch with friends we left behind when we moved out to the boonies. It was quite a lifestyle change and I wanted to write a book, and thought this would be a good way to get the words out of my head and test the waters. The thousands of pictures that I have taken and stored on the computer will now have a place to go and be seen. But I don't think I could ever handle more than one blog- there are days now when I have tell myself to step AWAY from the computer!!! - 1:41 PM
- Bunny McCoy said...
Thank you, thank you, THANK YOU!!
Do you know I've been losing sleep (well, pre-sleep) time over this?! Every "how to" I've read about blogging pretty much says to focus tightly on your niche. But I can't seem to find any ONE area of my life or likes that I'm SO interested in that I want to write about it 3-5 times a week~!
I'm a multi-faceted gal with a variety of interests...most of which I know something about, but none of which I'm an expert on. To pigeon hole me as a "homeschool blogger" or a "quilt blogger" or whatever seemed impossible.
Why did I need permission to have a broader focus? I don't know, but I did and now that I have it....WATCH OUT!
I'm formulating my next blog entry right now...perhaps entitled, "Everything You Ever Needed to Know You Can Learn at Scribbit!"
Big high five!
Michele - 1:52 PM
i am one of you newest readers. i found you when i was looking for easter egg dyeing ideas. (and you so sweetly emailed me back, thank you!) i actually decided to subscribe to your blog BECAUSE you are not limited to one topic. i LIKE that i can come to your blog one day for a recipe and another day for something crafty - and so on. in fact, i was in a sewing-type shop today talking to the owner who is selling her shop to go online exclusively. i told her she needs a blog. i explained how bloggers create a following. i used you as an example of a blog i enjoy BECAUSE its diverse but has a loyal audience, and i cited other blogs for some of the fabric designers who do it to promote their brands.
while i love reading blogs (favs are mostly fabric/crafty people and childrens'wear,) i had never considered starting my own until i "met" YOU! i don't need a blog for my "brand" because i don't have one. BUT its now occurred to me that i would like to do a blog so that there is some "record" for my children of what our days consist of. and the thought of "mutual-sharing" it with other moms out there is appealing too. i think i would be more creative and crafty and articulate if i am creating it in a forum that some other moms might read.
(wow! this has gotten LONG...maybe i DO need a blog!)
but i am blog-ignorant, seriously blog ignorant. i don't even know where to start. i can't imagine. i had NO idea that you can earn money (i hold no ideation that i will earn a penny...i feel sure it will only cost me money...)
but i would like to consider the possibility of starting one! note HOW inept i am: i can only sign in here as "anonymous" b/c i don't even have a google account much less a URL...
great talking to you...i feel like a blogger! LOL! would love any advice you can offer!.
robyn - 3:07 PM
- jean said...
Well this audience member loves your every post. Your recent posts about your vacation and just life in Alaska were great. Keep it up. I will follow you (not stalk) where ever you go.
- Michelle Alley said...
This was a very excelletn post Michelle. I have always been intrigued at your ability to maintain so many blog readers and respond to them back in email like you've done with my comments. I also have always wondered how you began your own advertising -did you ask or did people ask you? You really seem to have an excellent handle on your blog readers! Hope you had a great easter!
- Loralee Choate said...
I am going to have to really restrain myself from picking your brain too heavily at BlogHer.
(Don't worry, I'm not going to wake you up at 3 am whispering 'Hey! Michelle! How do you think I can boost my stuble review count??' because that would just be creepy...Right??? hee) - 4:38 PM
- all over the map said...
I enjoyed this. I like these posts as they are helpful to me and I'm still geting my feet wet and really trying to figure out what it is I want from blogging.
I struggle with the idea of sticking to "one" thing or having a specific theme.
Curious about how you know the caucasian statistic? I know there are good traffic tracking programs but how do you track those specifics?
Enjoyed this and it was helpful. - 5:23 PM
- Melissa Stover said...
i'm one of your blogging readers who likes this kind of stuff. good information.
- High Heels and a Sippy Cup said...
Thanks, Michelle, for all the insight about blogging. I so appreciate you answering my questions since I started a blog. It can be a little overwhelming and intimidating to enter the blogging world, but you make it seem effortless and easy.
- Scribbit said...
Thanks for the nice words, you're all so nice!
As for the question about tracking the ethnic demographics of readers I'm only extrapolating that statistic based on the comments I get and contact I have with bloggers along with tracking devices on my blog. Of course as I said they're just generalizations and I can give you plenty of people like Kailani at Island Life, Stephanie at City Mama, Karen at Chookooloonks or Robin at Around the Island that represent plenty of ethnic or racial groups beyond my little sphere. But I'm only talking a simple majority here and that's all. It''s not scientific beyond personal experience and serves no purpose except to help me get an idea about who my audience might be and what they might relate best to. I could be wrong and if I am then I'm targeting the wrong people and not connecting as well with my audience as I could be but so far it's seemed to be a fair assumption.
The only reason I mentioned it really was to help paint a mental picture of who Mrs. X--a typical Scribbit reader--might be as an example of what you could imagine about a typical reader for your own blog.
It would be interesting to put a poll on your blog to collect demographic information about your readers the way other media do though whenever you rely on information voluntarily submitted rather than randomly sampled it's of course inherently flawed. - 8:22 PM
- Liza on Maui said...
It's a hard question to answer, but you answer it so well. Thanks Scribbit - it helped me too :)
- Unknown said...
hi michelle -- i love this article you wrote. well done, well done. and this is coming to you from a conservative republican white Christian blogger career mom who has a master's degree. i also got such a kick out of how you wrote the typical reader ... what they are.
- Pieces said...
Fantastic article, Michelle. I would not have known that most of your readers don't blog. I just assume they do because I do, I guess. I'm going to have to think about how many of my readers are non-bloggers too.
- ~ej said...
that was very interesting. though i am one of your blogging readers, i don't make that much of an effort to spread myself around. i have a few "other" blogs that i update less than my EJ blog...but most of them have an audience of ONE (me). so i guess in that way i blog to journal....privately ;-)
Great post! I appreciate how you've covered it from so many different angles.
You know, before I started my own blog, I really had no idea how much time doing one blog could possibly take! I thought that it would be no big deal to have a second blog, focused a little differently than the first, or for product reviews, etc. Boy, was I ever wrong!
In order to blog well, it takes so much effort and thought and purposefulness, and I now appreciate just how much work goes into a well-written blog. Thanks for sharing what you've learned through your own experiences! - 7:06 PM
- Shelli said...
This was a great post. For now, I'm just blogging for myself, and I'm going to see where it might go.
Most of my readers aren't bloggers either so I can't look at their blogs to get an idea of what they are like.
This is a very thoughtful post, and I appreciate that you take the time to improve the skills of other bloggers.
However, I am crushed to learn that world domination is not in your immediate plan. How long do we have to wait? - 6:05 PM
- The Library Lady said...
Great post. And I'm with you, Michelle--my blog is my "on-line magazine" and I write about anything that catches my fancy. I love to write, and I've blogged consistently for 4 1/2 years--I never could keep a diary, but there's always something to blog about.
Being a dilettante means I will never be a well known blogger. But I do have some regular readers, and I relish the comments they leave me. Truthfully that matters to me a lot more than having a whole crowd reading me because I am the flavor of the month!
(Though I have to giggle at your thinking that 20 is a small amount of comments--I don't think I've ever HAD more than 20 comments to a post!) - 5:05 AM
- Enzie Shahmiri said...
Great post Michelle. I have learned that a blog tends to evolve and take on a life of itself. As the number of readers increase, so does the demand for certain topics, judgeable by the number of comments received. As a blogger you not only have to be aware who your readers are, but supply them with topics that are interesting and different enough to warrant the repeat visits.
Blogs should also be user friendly and need to be easy to navigate through. This means that the appearance of the blog has to be constantly fine tuned.
What I find most challenging besides finding stellar topics to write about, is how to keep the blog from looking crowded. - 10:16 PM
Great info., thanks! I'm surprised that most of your readers are non-bloggers. I never look at stats so I have no clue about who comes by my place unless they leave me a comment. I'm going to make an attempt to know my audience a little more in the future.
- Irene said...
Great post. So thoughtful of you. Thank you!
- Unknown said...
Great post. I love to come across bloggy advice amidst a "normal" blog - blogs exclusively for blogging help are always too full of jargon and go beyond me.
I initially started my blog to share my digital scrapbooking, and a little bit of my life here in N Ireland. I recently did a small survey, and the majority enjoy the bits about life here in N Ireland, and only 25% come for the digital scrapbooking. I have now been blogging for more than a year, and I have started a separate photo blog, but am considering merging them.
I definitely did not do it for friends and family, and have only more recently confessed to a few that I even have a blog. Most just don't "get it", but that is fine.
I am surprised by how many non-bloggers read your blog. Once I started reading blogs, I knew it would just be a matter of time until I started my own. However I don't yet know any "real" people who blog..if you know what I mean! - 2:04 AM
- nellbe said...
This is a great post. I having been blogging for over a year but I was working fulltime but had made more of an effort lately as I like outlet of it since becoming a SAHM.
Thanks for these type of posts... I also wanted to let you know that I am another reader that loves reading all the different types of posts. - 1:35 AM


text:
Wow. Good thing that telephone cord Fraggle tail is there to distract us, Kristin L. In fact, between that wonky CCC outlining and the insane mounds of icing, I don't think it's even possible to make a more wrecktastic grad cap.
Wait...Remy G., why are you smirking like that?
(That's the sound of a sugar paste gauntlet hitting the floor, folks.)
And here's one from last year:
Thanks, Kelly F. & Heather M.!
Related Wreckage: Amused Am I

subset: commoncrawl


text:
Banks in Latin America are no longer immune to the global credit crisis. True, it's had little direct impact on them, because they made only limited investments in US and European mortgage-backed securities. Still, a high dependence on exports and commodity prices pushed Latin American economies into recession after consumer spending and industrial production fell in Europe and the United States. As a result, the rate of growth in lending has begun to decline, nonperforming loans are on the rise, and profitability is down.
Nonetheless, McKinsey analyses of the banking sectors of Brazil, Mexico, and Colombia1 show that strong starting capitalization, liquidity, and capital should allow their banks to remain profitable and well capitalized. Before the crisis, foreign securitized assets ranged from 0 to 5 percent of total banking assets in Brazil, Mexico, and Colombia, and domestic issuance of securitized assets was far below that of the United States and the United Kingdom. As a consequence, Latin America was relatively unscathed when the value of these assets dropped precipitously.
Less exposed
Latin American economies, though, have felt the effects of the financial crisis through a downturn in demand and capital from major world economies. Cross-border trade fell sharply: the Baltic Exchange Dry Index (BDI) of shipping costs for major raw materials sank by 94 percent from May 2008 to November 2008, for example. Growth in real consumer spending in the United States turned negative during the second half of 2008, and commodity prices decreased by 20 to 60 percent for key exports, such as oil, copper, coffee, and soy.
During the first quarter of 2009, the real volume of exports was 9 percent lower in Brazil and Colombia and 15 percent lower in Mexico than it had been a year earlier. Foreign direct investment fell by one-fifth in Mexico and by one-half in Brazil in 2008. Reduced external demand led to declining industrial production, rising unemployment, and a fall in local demand (consumer confidence in the three countries was about 20 percent lower in February 2009 than it had been during the same month in the previous year). In 2009, real GDP is expected to contract by 5.9 percent in Mexico, by 1.8 percent in Colombia, and by 1.2 percent in Brazil.2 The Mexican economy is particularly vulnerable because of its dependence on exports to the United States, which absorbs 80 percent of them.
Slowing down
Governments in Latin America have taken action by reducing reference interest rates and increasing expenditures to spur economic growth, so many governments are also increasing their levels of bond issuance to finance rising deficits. Currencies have recovered somewhat since last autumn's massive depreciation but are still 20 to 30 percent below year-ago levels. Stock markets have recovered partially but remain about 25 percent down, year on year, in Mexico and Brazil, while Colombia's has almost fully recovered.3
Declining industrial production and consumer spending in Latin America have slowed the growth of its banks' loans. Consumer lending, after the rapid expansion of recent years, has suffered the biggest decline in growth, particularly in Mexico (where it fell to –1 percent in 2008, from 29 percent in 2006 and 2007) and Colombia (down to 15 percent, from 38 percent).
A drop in growth
The level of nonperforming loans was up before the crisis, primarily because the increased leverage of existing customers was a major driver of Latin America's rapid rise in consumer lending. Now, as a result of the recession, rising unemployment is pushing levels of nonperforming loans even higher. Around 8 percent of total consumer loans in Brazil, Colombia, and Mexico were nonperforming at the end of 2008, as were 11 and 28 percent of all credit card loans in Mexico and Brazil, respectively. The increase in consumer nonperforming loans is the major driver of the higher rate of overall nonperformance.
On the rise
In 2008, banking's return on equity fell to 13 percent, from 20 percent, in Mexico and to 19 percent, from 28 percent, in Brazil, while the sector's ROE in Colombia remained stable. Banks in Mexico and Brazil experienced a significant decrease in interest income and in fees and commissions, combined with rising provisions. Colombia's banks, by contrast, raised their interest rates, especially on credit cards and corporate loans, so their ROE remained stable despite rising provisions.
Even so, Latin American banks remain well capitalized, with good liquidity—in part because they implemented international standards for banking regulation and followed conservative strategies after the regional financial crises of the 1980s and 1990s.
Well capitalized
While larger banks have proved resilient in the face of the crisis, small ones and nonbank financial institutions are struggling across the region because they relied on capital market funding that is now both more expensive and harder to get. In Mexico, the total assets of the nonbank finance companies called SOFOLs and SOFOMs declined by 28 percent in 2008.
To estimate the recession's impact on the future profitability of Latin American banking, we forecast loan growth, margins, risk costs, operating costs, and economic profit under two macroeconomic scenarios. The first was a normal recovery from a moderate recession of three to four quarters in 2009, with the economy recovering and beginning to grow in 2010. The other was a slow recovery from a moderate recession of one to two years, followed by slow economic growth starting in 2011. In these analyses, lending comprises consumer finance (including credit cards), microloans, mortgages, and corporate loans.
The normal-recovery scenario leads to slow lending growth this year followed by a recovery next year and a return to 2007 growth rates in 2012. In the slow-recovery scenario, the growth of lending is near zero in 2009—and it actually contracts in Mexico—and recovers to one-third of 2007 levels in 2012. The actual growth of lending in the first quarter of 2009 (shown in Exhibit 3) has been closest to the levels of the slow-recovery scenario.
Growth in lending: Forecasts vary
We then conducted stress tests for each country to see what would happen to the worst-performing major bank under our scenarios. For each country, we chose the bank with the lowest 2008 ROE among the six largest institutions, excluding state-owned banks or banks involved in recent mergers. Using the assumptions from the normal- and slow-recovery scenarios above, we estimated future ROE and capitalization.
In both scenarios, banks in all three countries remain profitable and above both the local capitalization requirements (9 percent in Colombia, 10 percent in Mexico, and 11 percent in Brazil) and the international one (8 percent under the Basel international banking accords). The performance of banks will probably deteriorate, though, as a result of slower growth in their lending portfolios and higher provisions. In the stress test, the Mexican bank performs better in 2009 because its provisioning was much more aggressive in 2008 than that of the other countries' banks. Actual first-quarter results are more positive for the Brazilian and Colombian banks than the 2009 stress test results, while the Mexican bank's results are slightly lower.
Even the worst will be OK
The economic decline has affected Latin American banks through a drop in demand for loans, a decline in the quality of borrowers (both individual and corporate), and increased funding costs in the capital markets. While we forecast that the revenue growth of Latin American banks will decline, we believe that they will remain profitable and well capitalized.
In response to the crisis, banks are taking actions in three areas: operations, risk management, and corporate finance and strategy. To offset declining revenue growth, banks have tried to cut operating costs and to raise interest rates or fees for services selectively. Many banks are addressing higher risk costs by imposing more stringent credit policies and working with customers to refinance their loans. To save capital, some banks are delaying their branch expansion plans. Meanwhile, as capital market funding has become more expensive, banks have begun to compete more aggressively for deposits. Some are taking advantage of their competitors' depressed market valuations to explore M&A opportunities.


text:
Choose exchange direction:
Return exchange |
Exchange office | You Give | You Get | Reserve | Reviews |
e-Scrooge | 29.0669 Tether ERC20 | 1 Dash | 9875 | 1 / 0 |
Exchange Tether ERC20 to Dash
Average exchange rate: 29.0698
Reserves available: 9875 Dash
Reverse direction reserve: 990869.27 Tether ERC20
The exchange offices listed on this page allow you to convert Tether ERC20 to Dash. Each of them had been thoroughly verified by us before they were included in the monitoring list.
In order to buy Dash for Tether ERC20, choose the preferred exchange (probably, the one with the best rate and optimal reserve) from the list on this page. Then navigate to the exchange site using the provided link. Follow the instructions posted on the site of the exchange office.
When buying Dash for Tether ERC20, please note that there are no more than 10 exchange offices on this page, that provide reasonable exchange rates. So if you want to see all the exchangers for the direction Tether ERC20 -> Dash, click the "Show all".
If none of the exchanges on this page satisfy your demand for reserve, enter the amount of Tether ERC20, you want to buy, into the form above the exchanges list, and click "Calculate". After that, the system will hide all the exchanges with the Dash supply of lesser than the required amount.
If you want to convert Tether ERC20 to Dash with an additional discount, register as client of the respective site after you navigate to it using our link. As a result, you can get a client`s discount, in addition to the one that provides Magnetic Money e-currency monitor.
If you want to rate an exchange office or read user`s reviews about it (this is especially useful before the first transaction with them), or if you need more details about the exchange, just click the icon: .
Other exchange directions Tether ERC20:
Exchange to Dash:
Information about system Tether
Founded in March 2014, Tether is the world's first platform to offer the joint benefits of the Bitcoin blockchain and traditional currency, by converting cash into a stable digital currency equivalent. Tether's mission is to allow all Bitcoin companies and individuals to transact with stable digital currency as if it were bitcoin. By leveraging innovative Blockchain technology, Tether allows you to store, send and receive local currency such as dollars, euros, and yen person-to-person, globally, instantly, and securely for a fraction of the cost of any alternative.
Information about system Dash
Dash (DASH) - is a private cryptocurrency open source. Dash allows you to make payments instantly and without limit, while retaining the same financial anonymity as when paying cash.
The dynamics of exchange rate:
Tether ERC20 > Dash
* This graph displays the dynamics of average exchange rate for Tether ERC20 to Dash conversion during the last 30 days. It is based of the data provided by the Magnetic Money monitor for e-currency exchange rates.
The dynamics of e-currency reserve:
Dash (thousands)
* This graph displays the dynamics of the total available reserve of Dash when converting Tether ERC20 to Dash, during the last 30 days. It is based on the data from Magnetic Money.


text:
File This One Under "UNDERSTATEMENT"
Overheard, Her Bad Father to Her Bad Mother:
"Do you ever get the feeling that we're just rodeo clowns in one long WonderBaby Stampede?"
She's a cowboy, baby.
Overheard, Her Bad Father to Her Bad Mother:
She's a cowboy, baby.
Woo hoo welcome to toddlerhood, quickly followed by childhood, rapidly followed by the teen years (which I fear with every fiber of my being).
That photo is hilarious.
That quote even more so.
OMG I want the T-Shirt. I do, I really, really do.
Very cute photo. And I'm guessing your answer was "yes"?
Yippie Kye Yay! Giddy up...
The stampede is fun!
Iced coffee coming out of nose. Need iced coffee everywhere I can get it, so OK, and worth it....
She is totally going to kill you when she's older.
I just spewed Diet Coke all over my laptop. Ick.
But that photo is so friggin hilarious!
I am loving the photos with add-on notes.
THAT A GIRL! That little lady cracks me up - whadda pose :)
The cow plop did me in. I has a cow plop. Do not want.
Clearly, the internet needs to chip in and buy you a graphics tablet so that your photo annotation won't look so ransom-note-y. :-)
OMG that is so funny. I want to join your rodeo.
Fun. :)
I lurve to giddy up!
Rodeo clowns look like they are having the most fun of anyone IMO.
Cow Pie is the only dessert Bossy denies.
Either that or the cows...
Good shot, HBF.
Wonderful Wonder Baby!
Mad, I can't download the photo!
Darn, it sounds like a good one.
Funny serendipity, I just posted about clowns chez moi.
love the cow pie!
I just snarfed coffee!
just wait until she quotes You - back to you and you have no answer.
It's coming.
hi HBM aww i love wonderbabys pink boots!
You are quite the artiste!
on a (pretend) steel horse she rides.
Wow... that is a perfect description of what it feels like to be parents! At least, of my kid, too.
At her Age.
The gait.
Yee haw, WB.
Yeehaw! Are those really pink boots? I need some.
I hope your bathroom is coming back together!
Ha! Love it! She's cute as a cowboy.
Love the boots.
Get that girl some chaps.
Those really are pink boots. AWESOME pink boots.
And, Lady M, no. Still no bathroom.
So funny! And the photoshopped accents are awesome!
I got all excited and momentarily hoped perhaps you were coming my way...
But alas, you are just toying with me.
Evil and Baaaad.
My type of woman.
I am shocked. Shocked you missed the opportunity to make the sign say "Cowgary."
Subscribe to Post Comments [Atom]


text:
Shipping & FAQ
Seasons of LUX Subscription
Q. When will my seasonal box be shipped?
A. The seasonal boxes will be shipped out once every three months on the 15th of the month, following a January, April, July, October cycle. Your first box will be shipped to you the next shipping date after initial sign up. (ie. Orders placed Oct 14th will receive the October box first, orders on Oct 16th will receive the January box first).
Q. Can I purchase this service as a gift?
A. Absolutely (and what a great friend you are!). Simply enter their address as the shipping address at checkout and send them the link to the beauty survey. You can also update their shipping address by logging into your account on our site.
Q. If I subscribe for 4 seasons, I have to pay for them all at once?
A. No, with our new subscription service system your credit card will only be charged for the price of the current season's box on the date of shipping (15th of the month)
Q. I love this box and want to continue receiving it after the year is done, can I renew my subscription?
A. Yes, although at this time it cannot be done automatically. Simply re-purchase the subscription as you did last year. You are also welcome to fill out an updated survey so we can ensure you are continually getting the best box ever.
Q. I don't like an item that I have received in my seasons box. Can I return it?
A. Unfortunately because the products in our boxes are custom selected, we are unable to accept returns on the products inside. Perhaps you have you have a friend who will love it, and please leave us feedback to improve your selections in the future.
Q. When will my item be shipped?
A. All orders are shipped out every Tuesday and Thursday at 3pm except on Holidays. Orders placed before 2 pm (MST) on shipping days will be sent out that day. Otherwise your item will be shipped the following shipping day.
Q. How will my order be shipped? Will I get a tracking number?
A. All orders are shipped with Canada Post and include a tracking number for your convenience. Free shipping for orders over $150 in Alberta and $200 for the rest of Canada. Flat rate of $15 for all other orders. Should you require more immediate shipping please call (780) 451-1423 and we can arrange a shipping option for you.
Q. Is there a signature required for my parcel?
A. Yes. All our shipments are required to have a signature for delivery. This is to protect you and your products as safe-dropped parcels may freeze if left outside or may get lost or stolen.
Q. Can I come pick-up my order in-store?
A. Yes! At checkout, please select In-store Pick Up as your shipping option. Please give 1 business day for your order to be processed and we will notify you once your parcel is ready. Orders will be held in-store for pick up for 14 days. If for any reason you cannot pick it up in that time, please call the store at (780) 451-1423 and we can arrange for your order to be held for an extended time.
Q. When I go to checkout, the only shipping option I have is "In-Store Pickup". Why can't I ship?
A. Due to the fragile nature of some of our products, we simply can't risk putting them in the mail box for risk of breakage or extreme temperatures. These items will only be available for in-store pickup.
Q. Do you ship International?
A. At this time we are able to ship to Canadian addresses only.
Q. My order arrived damaged/broken. What can I do?
A. Please call us at (780) 451-1423 immediately. Please save the box and packing materials from the damaged shipment so we are able to file for a damage claim with Canada Post.
Q. What is your return policy?
A. Unopened and unused products may be exchanged for alternative product(s) or Store Credit within 30 days of purchase. Items purchased on clearance or promotions are FINAL SALE. No credit returns.
If you would like to return any products from your order, please contact us at (780) 451-1423 to request authorization for your return. We will not accept any returns sent to us without prior authorization.


text:
Please accept our apologies. Here are a couple of options for resolving the issue:
1. Hit the back button on your browser and try again.
2. Send an email to firstname.lastname@example.com with the error message displayed below. Please describe the problem you encountered in as much detail as you can, including what page you were on at the time, and what action you attempted that produced this error message.
Error Code:
Error Description:
Error Log ID: 2747099


text:
For information as it becomes available, please visit the OMA&D web site.
Sixth Annual Qolors Reception
Date: April 6, 2011
Time: 4 – 6 p.m.
Location: Walker Ames Room, Kane Hall
A celebration of queer people of color, queer contributions to UW and communities at-large. Participants will enjoy food, speakers, networking and participation in a community art project.
Samuel E. Kelly Distinguished Faculty Lecture
Date: April 7, 2011
Time: 5:30 – 7:30 p.m.
Location: Jones Playhouse
Named in honor of the UW's first vice president for the Office of Minority Affairs, the annual Samuel E. Kelly Distinguished Faculty Lecture is dedicated to acknowledging the work of UW faculty by spotlighting nationally recognized research focusing on diversity and social justice. All UW faculty members are eligible to be nominated. RSVP here.
Pacific Northwest Louis Stokes Alliance for Minority Participation Conference
Date: April 15 – 16, 2011
Location: Washington State University; Pullman, Wash.
The second annual conference will focus on the importance of STEM (science, technology, engineering and mathematics) and undergraduate student research. Attendees will have the opportunity to participate in workshops, panels, and a symposium. The goal of PNW-LSAMP is to increase the quality and quantity of successful baccalaureate students by forming alliances with PNW institutes and providing important tools and information for success.
Mangels Endowed Lecture: Elizabeth Alexander
Date: April 26, 2011
Time: 6:30 p.m.
Location: Kane Hall, Room 130, UW Seattle
The Mary Ann and John D. Mangels Endowed Lecture Series will feature Elizabeth Alexander, chair of African American Studies at Yale. Considered to be one of the most vital poets of her generation, Dr. Alexander will address the prospect of a new conversation about race and culture in Hearing America Singing: Multi-Vocal Cultures in America. Sponsored by the Graduate Opportunities and Minority Achievement Program and The Graduate School. Register today!
Date: May 5, 2011
Time: 5:30 – 8:30 p.m.
Location: Bell Harbor International Conference Center, Seattle
The UW Office of Minority Affairs and Diversity and the Friends of the Educational Opportunity Program will host the 41st annual Celebration, Fête and Honors. The dinner and scholarship fundraiser honors the academic excellence of EOP students and recognizes the recipient of the Charles E. Odegaard Award. Register today!
Alumni Remix
Date: July 22, 2011
Time: 7 – 11 p.m.
Location: Don James Center
OMA&D, in partnership with several campus departments, will host the third annual Alumni Remix, an evening of celebration, networking, great food, and music. Alumni of color and friends of diversity are invited to join us for this social gathering.
Tribal Leadership Summit
Date: September 10, 2011
Time and Location: TBA
The annual Tribal Leadership Summit is an opportunity for UW and tribal leaders to gather and discuss issues relevant to tribal communities.
The Weekend – 2011 (UW Homecoming)
Dates: October 28-29, 2011
Time and Location: TBA
The Weekend is a series of exciting events geared toward alumni of color and friends of diversity that takes place in conjunction with UW's Homecoming festivities.
Black Student Union Gentlemen's Showcase and Ball
Date: April 1, 2011
Time and Location: 7-9 p.m.; Kane 130 & Hutchison 202
The Gentlemen's Showcase displays student talents and includes an auction to raise money for Black Graduation.
First Nations Spring Pow Wow
Date: April 8 – April 10, 2011
Times: Friday: Grand Entry 7 p.m.; Saturday: Grand Entries 1 p.m., 7 p.m.; Sunday: Grant Entry 1 p.m.
Location: Hec Edmundson Pavilion
Micronesia Island Club – Micronesia!
Date: April 9, 2011
Time and Location: 5:30 p.m.; Seattle University
Polynesian Student Alliance Poly Day
Date: April 29, 2011
Time and Location: 10 a.m.; Red Square
Filipino American Student Association (FASA) Dance Club Night
Date: April 29, 2011
Time and Location: TBA
A joint fundraising project with the Sigma Psi Zeta sorority.
FASA "Preaky Pil-Night"
Date: May 6, 2011
Time and Location: TBA
A student-produced musical.
M.E.Ch.A. ACE Conference
Date: May 13 – 14, 2011
Time and Location: TBA
Black Student Union Legacy Dinner & Gala
Date: May 13, 2011
Time and Location: 7 – 10 p.m.; Vista Café & Lounge
The event will celebrate BSU's 43-year legacy. BSU founders, executive officers, and members from the last 43 years will join in the celebration. Professor Quintard Taylor will be the keynote speaker.
FASA Relay For Life
Date: May 14, 2011
Time and Location: TBA
A break-dance battle fundraising event for Relay for Life.


text:
Water is an essential resource in order for humans to live. However, many people are still finding it difficult to have a stable water supply, which can make everyday life quite hard.
Most people, especially those who live in remote areas rely on water delivery to sustain their needs for the valuable resource. This is quite difficult should you have a water shortage. At the same time, this is also quite costly as well. If you have a piece of land and would like to have your own water supply, you may want to engage in water well drilling.
Water well drilling can also have many مويا uses around your home. Doing this can bring many advantages to your everyday living. A primary advantage of course is that you can have your very own water supply. No need to rely on a water delivery company and piping that is very costly and not able to cover all of your water needs.
If you drill a well that is deep enough, you will have access to an unlimited water supply all year-round. Also if you are in a more remote area and you are maintaining a farm, water well drilling is a great help for your irrigation needs, ensuring that your crops get as much water as they need, especially during summer.
Having such wells can also be used to supply geothermal power to your home. Not only is this a very cost-effective way of having an auxiliary power source, such means of acquiring energy does not have any negative impact on the environment.
What type of equipment do you need for water well drilling?Aside from time and a lot of effort on your part, it is crucial that you have a reliable water well drilling rig to do the task. Since this kind of project is hard on the equipment, it is important that you get the best possible rig that fits your budget.
Skimping on the quality and reliability of the rig can lead to many problems as your project goes on. The manufacturer of a rig is a good determinant on the reliability and quality of the equipment. Choose a manufacturer that has been into water well drilling for some time, and has received a lot of positive feedback from fellow users.
It is also important that the rig is fairly easy to use, with functions that come with as little hassle as possible. You also need to consider the water well drilling rigs' mobility. For home projects, it would be best to choose a rig that is smaller and can easily be pulled. This should allow for an easier process of picking a spot to drill for your water well.


text:
Digital Media Receiver with MIXTRAX, Bluetooth®, USB Direct Control for iPod®/iPhone®, Siri® Eyes Free, Android™ Media Access, and Pandora® Ready
- CD-Free Design
- Access and Control Music Stored on Your Android™ Device
- Pandora® Station Creation from Multiple Sources
- 1 RCA Preout (2V)
The MVH-X360BT Digital Media Receiver was specifically created to work with your smartphone and digital lifestyle. Featuring Pioneer's MIXTRAX™ technology, built-in Bluetooth® for hands-free calling and audio streaming, USB direct control of an iPod® or iPhone®, USB access to music on Android™ devices (4.0 or later), and Pandora® radio ready for both iPhone and Android, the MVH-X360BT is packed with features that will keep you entertained and safely connected. The CD-free design allows your smartphone and digital media to take center stage.
Keep the party going with MIXTRAX, an innovative Pioneer technology that creates a non-stop mix of your music library complete with a range of DJ-inspired effects. Drawing from Pioneer's rich DJ heritage and our passion for music, MIXTRAX delivers a unique DJ infused listening experience to those in the car. MIXTRAX takes the music from an iPhone, iPod, USB device, or certain Android devices and plays it back with added transitions and effects, creating a virtual DJ inside the Pioneer receiver.
MIXTRAX makes automatic remixing of tracks extra-quick and easy. Simply connect your USB compatible device and listen as tracks are joined by various random sound effects in Non-Stop-Mix Play to keep the groove going in full swing.
MIXTRAX also features Club-Style Illumination that enhances the mood with a dynamic dance club-like lighting effect. As MIXTRAX begins, lights start pulsing to the beat of the music, adding an extra level of entertainment. Choose among multiple patterns of lighting variations from sound pressure level or low-pass synchronization modes.
For more information please visit http://www.pioneerelectronics.com/mixtrax.
From hands-free calling, wireless audio streaming, simple pairing, and voice recognition, Bluetooth wireless technology has made life in the car much easier. Model year 2014 Pioneer digital media receivers with Bluetooth include all these features and a couple more worth noting. The first is iPhone Bluetooth pairing via USB where the iPhone is connected to the Pioneer receiver with the appropriate USB cable. The user will then be prompted to pair with the receiver on the iPhone. Press "OK" and the iPhone is paired. This feature is great where there are multiple devices active and you are trying to search for and connect to a certain device.
New Pioneer digital media receivers with Bluetooth also have added a "Guest Mode" which allows a user to add and replace a mobile device instantly to the receiver. Guest Mode is a great feature for a family vehicle with multiple drivers or a driver with multiple devices because it allows users to pair and delete devices easily without a lengthy registration or deletion process.
The 2014 line of Pioneer digital media receivers with Bluetooth wireless technology have the ability to utilize the voice recognition engine that is part of the operating system on a user's smartphone. This feature is compatible with iOS devices that have voice recognition capability.
iPhone 4S and iPhone 5 users can take advantage of Siri® Eyes Free functionality with a touch of a button. When activated, Siri voice prompts play through the vehicle's speakers and the user's commands and questions are received and transmitted to the receiver using the external microphone. Siri Eyes Free provides access to many iPhone functions such as music selection; making phone calls; and listening to text message, calendar information, and reminders.
Pandora is personalized internet radio that is designed to help you discover new music that you'll love mixed in with music that you already know. With the MVH-X360BT, you can enjoy superior sound quality and full control of the Pandora experience in your car directly from the touchscreen display of the receiver. You are able to give tracks "thumbs up" or "thumbs down," bookmark a song so you can purchase it later, easily switch between your personalized radio stations, and view full track data.
In-dash control for Pandora is compatible with iOS and Android devices. Simply download and open the free Pandora Radio app to your smartphone and connect it to the MVH-X360BT and take your music to the next level. iOS devices require a wired connection using the CD-IU51 USB interface cable for 30-pin models (sold separately) or CD-IU52 USB interface cable for Lightning models (sold separately). Android devices need to be paired to the receiver via Bluetooth while the Pandora app is running.
For more information and to sign up for a free account please visit http://www.pandora.com.
USB DIRECT CONTROL FOR iPOD/iPHONE
Connect an iPod or iPhone to the MVH-X360BT using the optional CD-IU51 interface cable for 30-pin models (sold separately) or CD-IU52 USB interface cable for Lightning models (sold separately) and enjoy the music stored on your device. Song, artist, time and album information are displayed on the LCD display. The Link Play feature helps you find content faster and the system's wired USB connection provides direct digital signal transfer from the device for clean, clear sound while providing 1 amp of current to keep your iPod/iPhone charged.
Take control of compatible music apps on your device through the Pioneer car stereo. Media App Control allows you to play, pause, and change tracks from a compatible music app directly from the controls on the Pioneer radio with track information shown on the car stereo display.
Through Media App Control, you can play and control music from various music apps such as iHeartRadio® and Aupeo™. Play, pause, next and back commands, if enabled by the connected app, are available on the receivers when used with an iPhone (via USB connection) or Android (via Bluetooth) devices*.
For more information please visit http://www.pioneerelectronics.com/mediaappcontrol
*App functions and features may vary based on app provider. Cellular data charges may apply. Android compatibility only offered with Bluetooth enabled Pioneer models. Not all Android devices are compatible.
With App Mode you can enjoy listening and viewing the content on select compatible apps directly on the receiver's display from a connected iPhone or iPod Touch. Limited controls such as track forward or reverse may be executed from the receiver.
Note: Not all apps will be compatible with App Mode and App Mode will provide limited, if any, control over the app.
Users of Android devices running operating system 4.0 or later can connect and listen to music stored on their device to a compatible Pioneer CD receiver without the need for an app. The process is made possible using Media Transfer Protocol (MTP). MTP allows the Pioneer receiver to recognize the Android smartphone as a music storage device. Users can now access music via USB stored on an Android device and operate basic operations like FF, REW, Play, Pause, Random Play, and Repeat. Metadata information such as track, artist, and album name can be displayed.
- Multi-Segmented LCD Display with LED Backlight (12 characters)
- Built-In MOSFET 50W x 4 Amplifier
- 1 Set of RCA Preouts (2V) for System Expansion
- 5-Band Graphic Equalizer
- Front USB Port and AUX Input
- Advanced Sound Retriever
- Wired Remote Input
- Included Remote Control
- Anti-Dust Design
- Detachable Face Security™
Media Playback
- 24 Stations/6 Presets
- MOSFET 50 W x 4
- 24-bit
- 5-Band Graphic
- 3-Mode
Bluetooth®/iPod®/Apps/SD Card/USB
- Built-In (HFP/A2DP/AVRCP/SSP)
- CD-IU51 cable required (30-pin) or CD-IU52 cable required (Lightning)
- iPhone®
- Siri® Eyes Free (iPhone 5, iPhone 4S)
- iPhone®, Android™
- Front
- Front
- Multi-Segmented LCD with LED Backlight (12 char)
- Rotary
- Included


text:
Book your next event or summer conference at the Franciscan Center.
Learn More
The best way to get to know Lourdes University is to visit our beautiful Sylvania, Ohio campus.
Set up a Campus Visit
Lourdes University offers one of the most affordable private college educations in the United States. Learn what a Lourdes education will cost for you.
Take the next step in your educational journey.
Apply Now
Follow the Lourdes University Gray Wolves varsity teams
Set up a campus visit and be sure to tour Lourdes Commons, our amazing 1 and 2-bedroom apartments. If possible, make it an overnight stay to explore the possibilities in our hometown and neighboring communities.
Build and sharpen your professional skills and prepare for career success. Be sure to join the Lourdes University LinkedIn page to network with fellow students and alumni.
Join Now


text:
In this post we are going cover everything about The 10x Rule Review Reddit
Ending up being successful and desiring become one isn't the exact same thing. A Lot of things need to be made for that aspiration to become a solid reality. The majority of which is to conquer the challenges you'll be faced with.
Not every sales coach out there can build a million-dollar online empire despite the fact that they aspire to do so. Grant Cardone is one that has actually built up a multi-million dollar empire for himself.
Grant Cardone never ever began abundant however built all of his business exclusively on his own despite the obstacles he faced. Today he's been acknowledged as one of the wealthiest and successful Authors, Motivational speakers, and Sales Coaches. The 10x Rule Review Reddit
What Is Grant Cardone's Net Worth in 2021?
Net worth | $300 million |
Age | 63 years |
Date of Birth | March 21, 1958 |
Country of Origin | Lake Charles, Louisiana United States |
Source of wealth | Investment, coaching, and Authorship, |
Last Updated | 2021 |
Grant Cardone is the CEO and founder of Grant Cardone enterprise housing all his companies – Cardone Training Technologies, Cardone University, Cardone Acquisition, Cardone Capital, and Grant Cardone TV network.
Each of his companies was created one after the other. They were never developed at the same time because each brought about the other. He handles all the companies housed in his enterprise – Grant Cardone enterprise.
Yearly, the enterprise records the sum of $100M+ from the whole list of companies. Put together, they are what triggered Grant Cardone's net worth of 300 million dollars. The 10x Rule Review Reddit
Getting to this pinnacle wasn't easy specifically for Grant Cardone since he experienced obstacles from his background and his beginning occupation.
Who Is Grant Cardone? Life Story and Wikipedia
Grant Cardone was born in The United States of America to Curtis and Concetta Cardone. He is the 3rd child in Cardone's family. He has twin brothers called Gary Cardone.
Grant never ever had the smooth and clear upbringing that made him who he is today due to the fact that his father passed away at a really childhood in Cardone's life. Although before he passed away, he had instilled the virtue of tough grind in Grant. The 10x Rule Review Reddit
Grant's mum was the only one catering for the family and ensuring no one lacked any vital product be it important for academics or fun. The only downside to her being both parents in the house was that she lost her authority. Without a father figure in the house, Grant Cardone Despite being dedicated lost himself to a wayward way of life.
He had a imagine becoming effective and he tried working towards it. After he failed, he entirely lost focus and ended up being a drug abuser. He took nearly every drug he might find.
After high school, Grant Cardone attended McNeese University where he got a BSC in accounting. He spent his University days clubbing and partying . It was later he decided to get serious with his education and graduated with a good grade.
He left the University with a certificate but remained an unrefined wayward drug abuser. The 10x Rule Review Reddit
Grant Cardone's Journey To Building his Wealth & Net Worth
Unlike lots of other people, Grant was fortunate to work as a salesperson in an auto workshop. He has to oversee the process and record of selling.
Grant Cardone never liked his job as a salesman. He has actually striven for a much better job elsewhere aside from Sales and marketing firms. When his dream wasn't wrapping at the meeting, he kept his hope high even.
One of the things that kept him going is the drugs he always took. The drug had a great effect on him and moved him to the rehabilitate center where he got treatments for the drug damage.
While he was there at the rehabilitation center, he understood that stopping the job as a salesperson will not help matters or perhaps help him stop abusing drugs. He made up his mind there to continue his work even though he never liked it and still made plans for other things. The 10x Rule Review Reddit
That was when Grant Cardone began venturing into other lucrative locations. His resolve to become serious with his job made him develop an interest in sales and marketing.
Grant Cardone Books
Grant Cardone is among the best American-selling authors. He has actually released books that have been tagged "directional books" by the public. His books are currently top-selling on Amazon.
Grant's books are worth and inexpensive reading. They include motivating details and guides one would pay a thousand dollars for. Below is a complete list of his books.\
- The 10X Rule
- Be obsessed or be Average
Sell to make it through - You're last sale strategies if you're not first
- The millionaire pamphlet
- 10X Quotes
- Selling the secret to success
- How to create wealth investigating in real estate
- The closer's survival guide
- Summary: the 10X rule: The only difference
Grant Cardone On Social Media
Every successful man, specifically authors like Grant Cardone, uses social networks to pass relevant details to everyone that chooses to follow their life story and learn from their success stories. This applicable information includes quotes and insight that will help Motivate Anyone experiencing the exact same difficulties.
With the numerous social media available, Grant Cardone Makes usage of a handful of popular platforms. This platform has its special working methods and the information Grant Cardone passes through each is relevant but various .
Grant Cardone Twitter The 10x Rule Review Reddit
Grant Cardone tweets most of the day-to-day happenings in his enterprise. Because it keeps you updated on Grant Cardone means of accomplishing progress, these happenings are important.
Grant Cardone Instagram
Grant Cardone utilizes Instagram to Post and releases a live videos concerning his enterprise. If you're on Instagram do follow him.
Grant Cardone YouTube
Grant Cardone extended his reach to YouTube. He publishes related advice and teachings that will be extremely useful to anyone interested in learning. Click on the link Grant Cardone if you make use of YouTube and desires to follow his videos
Grant Cardone Facebook
Grant Cardone uses Facebook to reach great deals of his Audience and fans. He publishes relevant information and beneficial posts. If you're on Facebook and intends to talk with him or follow him, then click on the link Grant Cardone
Grant Cardone LinkedIn
Grant Cardone's enterprise has an active number of industries under it. These companies are always going to require freelance digital workers. Follow him on LinkedIn to get alerts whenever he releases any task offers Grant Cardone if you're a freelancer and willing to work with Grant Cardone
Grant Cardone Pinterest
Grant Cardone is an Author and releases publications as well as quotes that will assist inspire and motivate anybody that needs suggestions. He launches the quotes in the form of images on Pinterest. , if you're interested in following Grant Cardone on Pinterest click on the link Grant Cardone
What Is The Secret Key To Grant Cardone's Success?
The key to Grant Cardone's success is his dream and goal to be effective. It was his significant secret and driving force.
After Grant Cardone's father died, he left Grant with the virtue of effort and the capability to imagine success. When he was still young, he kept working hard to achieve this success. Each time he failed, since there was no father figure in your home to guide him and direct him, he would always discover convenience in drugs. That was how he became a drug addict. The 10x Rule Review Reddit
He chose to continue his pursuit and dream of being effective when he was in the rehabilitation center because of the result the drug he abuses had on him. It was that desire to end up being successful that made him develop a love for sales and marketing and also endeavor into other locations where he is effective and established today.
Random Stuff about Grant Cardone.
Grant Cardone was as soon as a drug user. He began taking drugs from his early childhood and it ultimately led him to the rehab center where he comprised his mind to be severe with his task and minimize drugs.
As soon as said in his quote that he has gotten utilized to being hated, Grant Cardone. He was disliked while in high school and right now it does not trouble him.
Grant Cardone is neither a Christian nor a Muslim. He is a member of the church of Scientology. His religious beliefs is Scientology.
Grant Cardone is a twin. His twin sibling's name is Gary Cardone. The 10x Rule Review Reddit
Famous Grant Cardone Quotes
"You sleep like you're rich… I'm up like I'm broke." – Grant Cardone
"Money and success demand attention. Ignore either and you will have neither." – Grant Cardone
"Set no targets and you will get nowhere." – Grant Cardone
"Almost every problem people face in their careers and other aspects of their lives – such as failed diets, marriages, and financial problems – are all the result of not taking enough action." – Grant Cardone
"Love me or hate me, at least now you know me." – Grant Cardone
"Go the extra mile. There's no one on it!" – Grant Cardone
"I'm not 'living the dream', I'm busting my ass to make freedom a possibility." – Grant Cardone
"Staying poor is selfish." – Grant Cardone
"All your dreams await just on the other side of your fears." – Grant Cardone
"Success is a full-time job." – Grant Cardone
"You sleep to rest the body. You wake up to make your dreams a reality." – Grant Cardone
"If you don't do something you'll end up being nothing." – Grant Cardone
"Nothing about an excuse can help your situation." – Grant Cardone
"I don't go to work, I hate that saying! I want you to go to work to prosper. Go to work for freedom. This is what wealthy people do differently than anybody else. Wealthy people work for freedom. They're not working for comfort items, not for a weekend, they're working for freedom." – Grant Cardone
"I want a million dollars in my happy account and a million in my bank account." – Grant Cardone
"Your excuses might be legit, but they won't improve your life." – Grant Cardone
"Your success will be compromised by your need to be liked by everyone." – Grant Cardone
"Freedom is not something you buy, but something you earn." – Grant Cardone
"Investing energy and resources in yesterday prevents you from creating the future you deserve." – Grant Cardone
"Don't criticize my swag. Find yours." – Grant Cardone
"You can't reach your potential without haters." – Grant Cardone
"Very successful people don't seek comfort; they seek success and are willing to do what is most uncomfortable. But most of the world is seeking comfort and familiarity, which are traps that cause you to settle for the mediocre." – Grant Cardone
"The ambitious are criticized by those who have given up." – Grant Cardone
"Don't go to work. Go to work to prosper." – Grant Cardone
"Most opportunities are disguised as problems." – Grant Cardone
"Don't just make money, make a difference." – Grant Cardone
"Never lower your price, add value." – Grant Cardone
"If you're not first, you're last." – Grant Cardone
"Make time, not excuses." – Grant Cardone
"Massive success is the best revenge." – Grant Cardone
"Don't be a little b****… champions dominate." – Grant Cardone
"Disciplined, consistent, and persistent actions are more of a determining factor in the creation of success than any other combination of things." – Grant Cardone
"You can't get anywhere flying under the radar." – Grant Cardone
"Never depend on one action." – Grant Cardone
"You will never be admired without being criticized first." – Grant Cardone
"You will not have a successful life surrounded by negative people." – Grant Cardone
"What you have done is nothing compared to what you can do." – Grant Cardone
"Do what others refuse to do." – Grant Cardone
Grant Cardone – A Scam or Worth Listening to? The 10x Rule Review Reddit
Grant Cardone's story is worth listening to. The key points are worth analyzing and paying attention to due to the fact that it shows what real determination is.
Maturing with a dream of being successful without a dad coupled with the other challenges suffices to keep one totally out of the line. In Grant's case, it was his failures that Kept pressing him out of the line.
Comprising one mind to keep the pursuit to ending up being successful offered the situations where it seems everything is over is difficult and rare but in Grant's case, it was one of the major decisions he took that changed his life.
When all odds are against you, his story revolves around being focused even. Keeping one's dream and working towards succeeding isn't easy but is worth it not minding the challenges you may face. The 10x Rule Review Reddit
Grant faced challenges both in his childhood and his career however he never ever lost his dream of becoming successful. He worked towards it and that was the common addict Grant Cardone turned into one of the most successful and wealthiest characters.


text:
Celeb Data Breach Traced To Credit Reporting Site
Tiger Woods and Mitt Romney are latest to see personal financial details published; credit agencies confirm hackers took data from AnnualCreditReport.com.
Anonymous: 10 Things We Have Learned In 2013
Anonymous: 10 Things We Have Learned In 2013 (click image for larger view and for slideshow)
Experian, Equifax and TransUnion, the country's three biggest credit-reporting agencies, have confirmed that hackers fraudulently obtained copies of credit reports for celebrities and government officials.
"We are aware of recent media reports pertaining to unauthorized access to files belonging to high-profile individuals," read a statement released Tuesday by Equifax. "Equifax can confirm that fraudulent and unauthorized access to four consumer credit reports has occurred."
The information had allegedly been obtained via AnnualCreditReport.com, which was created in 2003 after Congress passed legislation requiring that each of the three credit bureaus offer -- to the approximately 200 million consumers whose information they track -- a free annual copy of their credit report. According to the Consumer Financial Protection Bureau, the service is used annually used by 16 million consumers.
According to a statement released by TransUnion, whoever obtained the credit reports would have had to provide a social security number as well as "considerable amounts" of personal information to trick the system into generating a credit report.
[ For more on recent high-profile information breaches, see Hackers Appear To Target Michelle Obama, FBI Director. ]
By Wednesday, the list of people who'd been "doxed" by having their personal financial details published to a website called Exposed.su included professional golfer Tiger Woods, U.S. Marshals Service director Stacia Hylton, and former presidential candidate Mitt Romney. This is in addition to the information published Monday and Tuesday pertaining to first lady Michelle Obama, Vice President Joe Biden, FBI director Robert Mueller, Attorney General Eric Holder and Los Angeles Police Department (LAPD) chief Charlie Beck, as well as celebrities Arnold Schwarzenegger, Beyonce, Jay-Z, Kim Kardashian and Paris Hilton.
A counter on Exposed.su showed that by Wednesday the website had been viewed nearly half a million times. According to statements released by Experian, Equifax and TransUnion, at least some of the information on the site -- which includes phone numbers, addresses and credit history -- is accurate.
President Obama Tuesday told ABC News that authorities are investigating the alleged breach. "We should not be surprised that if you've got hackers that want to dig in and devote a lot of resources, that they can access this information," Obama said. "Again, not sure how accurate but ... you've got websites out there that tell people's credit card info. That's how sophisticated they are."
Officials at the FBI and the U.S. Secret Service, reached by phone Tuesday, said that both of their agencies had begun related investigations. Likewise, the Los Angeles Police Department is investigating the disclosure of information relating to chief Charlie Beck, as well as any affected people inside their jurisdiction who request an investigation.
The information used by attackers to access the credit reports for Los Angeles Police Department officials -- involving social security numbers and some types of personal information -- was likely taken from a supposedly secure city employee database, according to Frank Preciado, assistant officer in charge at the LAPD online section, reported Politico.
Los Angeles police commander Andrew Smith, in a press conference, noted that it wasn't the first time that information about LAPD officials has been published online. "People get mad at us, go on the Internet and try to find information about us, and post it all on one site," he said. But as for this recent round of breaches, he said, "It's a creepy thing to do."
Who's responsible for creating the Exposed.su website? So far, that's not clear, though what's interesting is the choice of top-level domain name -- .su -- which refers to the Soviet Union, and which can still be used to register sites. "Using a .su domain to host tells me these guys probably weren't that stupid -- this is a statement not a prank I think," said the threat intelligence manager for Trustwave SpiderLabs, who goes by "Space Rogue," on Twitter.
Likewise, it's not clear how the site's administrator obtained the credit reports. "Many questions remain as to whether this was a straightforward hack, or if the hackers were able to gain unauthorized access to the data via other means," said Graham Cluley, senior technology consultant at Sophos, in a blog post. "One possibility is that the hackers were able to scoop information up off the net about particular individual public figures, and then use that to successfully impersonate their targets and access credit histories."
More evidence that whoever is behind the site knows what they're doing came via an error page on the Exposed.su website, which revealed that the site's administrator had signed up for CloudFlare, which helps keep sites online in the event of heavy amounts of page browsing or even some types of distributed denial-of-service (DDoS) attacks. CloudFlare, interestingly, is no stranger to controversy -- the company chose to continue working with hacktivist group LulzSec in 2011 after the group began publishing information that it had obtained by hacking into Sony's servers. "While we will respect the laws of the jurisdictions in which we operate, we do not believe it is our decision to determine what content may and may not be published," said CloudFlare CEO Matthew Prince in a blog posted at the time. "That is a slippery slope down which we will not tread."
Regardless of how long the doxed financial information remains online -- and the site remained live Wednesday -- the episode has highlighted poor protections offered by restricting access to information based on social security numbers, Marc Maiffret, CTO of BeyondTrust, told U.S.News & World Report. "Pretty much everything comes falling down once you have a social security number," he said. "Once somebody has that, the person has the keys to everything."
Attend Interop Las Vegas May 6-10 and learn the emerging trends in information risk management and security. Use Priority Code MPIWK by March 22 to save an additional $200 off the early bird discount on All Access and Conference Passes. Join us in Las Vegas for access to 125+ workshops and conference classes, 300+ exhibiting companies, and the latest technology. Register today!
About the Author(s)
You May Also Like
Black Hat USA - August 3-8 - Learn More
August 3, 2024Cybersecurity's Hottest New Technologies: What You Need To Know
March 21, 2024


text:
Principles for the recording of monuments, groups of buildings and sites (1996)
(Text ratified by the 11th ICOMOS General Assembly, held in Sofia, Bulgaria, from 5 to 9 October 1996)
As the cultural heritage is a unique expression of human achievement; and as this cultural heritage is continuously at risk; and as recording is one of the principal ways available to give meaning, understanding, definition and recognition of the values of the cultural heritage; and as the responsibility for conserving and maintaining the cultural heritage rests not only with the owners but also with conservation specialists and the professionals, managers, politicians and administrators working at all levels of government, and with the public; and as article 16 of the Charter of Venice requires, it is essential that responsible organisations and individuals record the nature of the cultural heritage.
The purpose of this document is therefore to set out the principal reasons, responsibilities, planning measures, contents, management and sharing considerations for the recording of the cultural heritage.
Definitions of words used in this document:
Cultural Heritage refers to monuments, groups of buildings and sites of heritage value, constituting the historic or built environment.
Recording is the capture of information which describes the physical configuration, condition and use of monuments, groups of buildings and sites, at points in time, and it is an essential part of the conservation process.
Records of monuments, groups of buildings and sites may include tangible as well as intangible evidence, and constitute a part of the documentation that can contribute to an understanding of the heritage and its related values.
1. The recording of the cultural heritage is essential:
a) to acquire knowledge in order to advance the understanding of cultural heritage, its values and its evolution;
b) to promote the interest and involvement of the people in the preservation of the heritage through the dissemination of recorded information;
c) to permit informed management and control of construction works and of all change to the cultural heritage;
d) to ensure that the maintenance and conservation of the heritage is sensitive to its physical form, its materials, construction, and its historical and cultural significance.
2. Recording should be undertaken to an appropriate level of detail in order to:
a) provide information for the process of identification, understanding, interpretation and pre-sentation of the heritage, and to promote the involvement of the public;
b) provide a permanent record of all monuments, groups of buildings and sites that are to be destroyed or altered in any way, or where at risk from natural events or human activities;
c) provide information for administrators and planners at national, regional or local levels to make sensitive planning and development control policies and decisions;
d) provide information upon which appropriate and sustainable use may be identified, and the effective research, management, maintenance programmes and construction works may be planned.
3. Recording of the cultural heritage should be seen as a priority, and should be undertaken especially:
a) when compiling a national, regional, or local inventory;
b) as a fully integrated part of research and conservation activity;
c) before, during and after any works of repair, alteration, or other intervention, and when evidence of its history is revealed during such works;
d) when total or partial demolition, destruction, abandonment or relocation is contemplated, or where the heritage is at risk of damage from human or natural external forces;
e) during or following accidental or unforeseen disturbance which damages the cultural heritage;
f) when change of use or responsibility for management or control occurs.
1. The commitment at the national level to conserve the heritage requires an equal commitment towards the recording process.
2. The complexity of the recording and interpretation processes requires the deployment of individuals with adequate skill, knowledge and awareness for the associated tasks. It may be necessary to initiate training programmes to achieve this.
3. Typically the recording process may involve skilled individuals working in collaboration, such as specialist heritage recorders, surveyors, conservators, architects, engineers, researchers, architectural historians, archaeologists above and below ground, and other specialist advisors.
4. All managers of cultural heritage are responsible for ensuring the adequate recording, quality and updating of the records.
1. Before new records are prepared, existing sources of information should be found and examined for their adequacy.
a) The type of records containing such information should be searched for in surveys, drawings, photographs, published and unpublished accounts and descriptions, and related documents pertaining to the origins and history of the building, group of buildings or site.It is important to search out recent as well as old records;
b) Existing records should be searched for in locations such as national and local public archives, in professional, institutional or private archives, inventories and collections, in libraries or museums;
c) Records should be searched for through consultation with individuals and organisations who have owned, occupied, recorded, constructed, conserved, or carried out research into or who have knowledge of the building, group of buildings or site.
2. Arising out of the analysis above, selection of the appropriate scope, level and methods of recording requires that:
a) The methods of recording and type of documentation produced should be appropriate to the nature of the heritage, the purposes of the record, the cultural context, and the funding or other resources available. Limitations of such resources may require a phased approach to recording. Such methods might include written descriptions and analyses, photographs (aerial or terrestrial), rectified photography, photo-grammetry, geophysical survey, maps, measured plans, drawings and sketches, replicas or other traditional and modern technologies;
b) Recording methodologies should, wherever possible, use non- intrusive techniques, and should not cause damage to the object being recorded;
c) The rational for the intended scope and the recording method should be clearly stated;
d) The materials used for compiling the finished record must be archivally stable.
1. Any record should be identified by:
a) the name of the building, group of buildings or site;
b) a unique reference number;
c) the date of compilation of the record;
d) the name of the recording organisation;
e) cross-references to related building records and reports, photographic, graphic, textual or biblio-graphic documentation, archaeological and environmental records.
2. The location and extent of the monument, group of buildings or site must be given accurately; this may be achieved by description, maps, plans or aerial photographs. In rural areas a map reference or triangulation to known points may be the only methods available. In urban areas an address or street reference may be sufficient.
3. New records should note the sources of all information not obtained directly from the monument, group of buildings or site itself.
4. Records should include some or all of the following information:
a) the type, form and dimensions of the building, monument or site;
b) the interior and exterior characteristics, as appropriate, of the monument, group of buildings or site;
c) the nature, quality, cultural, artistic and scientific significance of the heritage and its components and the cultural, artistic and scientific significance of:
- the materials, constituent parts and construction, decoration,ornament or inscriptions,
- services, fittings and machinery,
- ancillary structures, the gardens, landscape and the cultural,topographical and natural features of the site;
d) the traditional and modern technology and skills used in construction and maintenance;
e) evidence to establish the date of origin, authorship, ownership, the original design, extent, use and decoration;
f) evidence to establish the subsequent history of its uses, associated events, structural or decorative alterations, and the impact of human or natural external forces;
g) the history of management, maintenance and repairs;
h) representative elements or samples of construction or site materials;
i) an assessment of the current condition of the heritage;
j) an assessment of the visual and functional relationship between the heritage and its setting;
k) an assessment of the conflicts and risks from human or natural causes, and from environmental pollution or adjacent land uses.
5. In considering the different reasons for recording (see Section 1.2 above) different levels of detail will be required. All the above information, even if briefly stated, provides important data for local planning and building control and management. Information in greater detail is generally required for the site or building owner's, manager's or user's purposes for conservation, maintenance and use.
1. The original records should be preserved in a safe archive, and the archive's environment must ensure permanence of the information and freedom from decay to recognised international standards.
2. A complete back-up copy of such records should be stored in a separate safe location.
3. Copies of such records should be accessible to the statutory authorities, to concerned professionals and to the public, where appropriate, for the purposes of research, development controls and other administrative and legal processes.
4. Up-dated records should be readily available, if possible on the site, for the purposes of research on the heritage, management, maintenance and disaster relief.
5. The format of the records should be standardised, and records should be indexed wherever possible to facilitate the exchange and retrieval of information at a local, national or international level.
6. The effective assembly, management and distribution of recorded information requires, wherever possible, the understanding and the appropriate use of up- to-date information technology.
7. The location of the records should be made public.
8. A report of the main results of any recording should be disseminated and published, when appropriate.