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Whether you are in the start-up phase or an already well established and widely renowned business within your niche, there is one critical and continuous threat you are facing on a daily basis and that is your competition.
How do you recognise them, how deep can you get into their minds, their strategies and last but not least, how can you take advantage of all the data available about your competitors' business backgrounds?
Keep your head; there is no such thing as I don't have competition – everyone has competition, be it a service or product of any kind. However, if you keep thinking like this, you'd be plunging heavily and mixing yourself up in an undesirable venture.
Why do you need a thorough competitor analysis?
What I've personally witnessed throughout my career with my clients, whenever I asked them who were their competitors, they were either extremely vague or very explicit. As it later turned out, neither of them got a real picture about their real competitors and their backgrounds from a business perspective.
If I would have to define what competitor analysis means to me or what benefits it can offer, it would sound something like this:
The ability to identify our competitors after a clear understanding of our niche (industry) products and services, then following a thorough evaluation of their strength and weaknesses as well as strategies they follow against ours so that we could take advantage of all this data by identifying all the missed opportunities which could afterall lead us to a competitive advantage.
What I'd like you to describe in my post is an actual step-by-step case study of how you should conduct a competitor analysis which drives actionable result. Incidentally, I would add that there are several methods of conducting a competitive analysis but this is the part where I want you to help.
In addition, there are several competitive intelligence tools on the market but I found it extremely difficult to discover which one would suit all my needs. That's why I thought I'd better work out a framework or whatever we call it, a guideline everyone can use by adapting it to his needs.
Ways of gathering information
Prior to jumping into each individual phase of the competitor analysis, first and foremost, we need to figure out what are the main sources through which data can be gathered. There is data easily accessible, others are quite difficult if possible at all.
Our data sources can be categorised into two main categories:
- free-for-all type of data, accessible for anyone (ex. prices on competitors' websites, press releases, industry benchmarks, blog posts, newsletters, publicly available trends or government reports)
- business intelligence data provided by professional softwares & tools (also known as tools for spying and monitoring on your competitors), most of these are available for free but with limited access or as a full feature paid service
In order to make this topic as realistic as possible, I've chosen a niche, not just any kind of niche, a tough one, which is the stock photography with many players on the market, some of them very strong and some barely keeping their feet on the ground.
And now let's see what phases we'll go through:
- Phase I – Define your niche/industry, products and/or services
- Phase II – Identify relevant search terms with high search volume
- Phase III – List your main competitors
- Phase IV – Competitive data comparison and analysis
Phase I – Define your niche/industry, products and/or services
We already know the niche, stock photography for which we shall have to gather all the product categories and subcategories within this particular niche. In my analysis, I'll be focusing on the US market and english language.
And now let's list the top four main product categories within the stock photo niche:
- stock photos/images
- stock illustrations
- stock footages
- stock vectors
Important note:
Keep in mind that the largest battlefield where you are facing your competitors in the online world are the major search engines like Google, Bing, Baidu (China), Seznam (Czech Republic) or Yandex (Russia). This is the place where most of your customers are searching for your products or services ie, the place where demand and offer (buyers and suppliers) come together.
Phase II – Identify relevant search terms with high search volume
Now that we have managed to describe all our product categories and subcategories, what I would advise at this stage is to filter out those in which you are aiming to play the role of a leader within your niche or the one in which you have the highest expectations in terms of business.
In my case, the selected search term will be stock photos, which has a monthly average search volume close to 50 thousand. To get this data, you'll need to use Google's Keyword Planner Tool (though be aware of the language and location filters to get accurate data).
In case you are in the start-up phase, it's extremely important to double check what trend your search term shows and whether it is increasing or decreasing. To find out, you should use Google Trends and eventually Google Global Market Finder.
Some remarks on substance:
Each individual search term has its own group of competitors, sometimes mixed and sometimes with completely different players.
Phase III – Let's list our main competitors
We'll use Google but in order to get the most accurate result possible, we'll do an anonymous and geotargeted search by using the following parameters:
There are several other alternatives like SEO Global For Google Search, a Chrome and Firefox extension you can adjust for your targeted location and language. For better results I'd advise using a separate incognito window of your browser.
Just in case you really want to encrypt your data and surf the net from any part of the world, all I can recommend is the use of a VPN service like HMA.
Do keep in mind, though, that Google SERPs are very dynamic based on many factors, including your location, type of search and historical data.
On Google's SERP, we'll be focusing on the organic listings only. Why? Simply because those listings represent the strongest players for that particular term. You can use a Google Scraper like the one created by SEER Interactive, check that out and play around with it.
Gather the top 20 results +1 of yours in case your site does not get listed in top 20.
In our case, the top 20 players in the stock photo industry are as follows:
- istockphoto.com
- shutterstock.com
- 123rf.com
- dreamstime.com
- gettyimages.com
- en.wikipedia.org
- bigstockphoto.com
- everystockphoto.com
- fotolia.com
- canstockphoto.com
- immagine.com
- thinkstockphotos.com
- alamy.com
- veer.com
- morguefile.com
- stockfresh.com
- corbisimages.com
- crestock.com
- stocksy.com
- stockfreeimages.com
Further on, I will be illustrating data for only a few of the above listed websites, a few from Google's 1st SERP and a few from Google's 2nd SERP.
And the real fun only begins 🙂
Phase IV – Competitive data comparison and analysis
Free-for-all data
At this stage, we'll be gathering information which, in most cases, can be accessed for free. Also, you must be creative enough to figure out what would be the critical data relevant to your niche which can be used in your competitive analysis and take advantage of. Some of the data presented below can be used for almost any kind of online business but some of them might not be applicable to yours. My goal here is to emphasise the core concept of the free-for-all type of business intelligence data available and how you should approach this challenging task.
How old is your website against your competitors?
We need to know since when (usually how many years) did our competitors launched their websites against ours. For this, we'll be using the WayBack Machine and check the first coloured bubble and read the date.
How popular is your brand compared to your competitors?
We need to know what is our brand reputation in terms of search volume. To get this data, we'll be using Google's Keyword Planner Tool and add only the brand names like shutterstock, then use the 'only show ideas closely related to my search terms' in the keyword options filter. This way, the tool will only list searched terms which contain the brand name, for example shutterstock, www.shutterstock.com, shutterstock coupon, shutterstock photos and so on.
To make it visually more easily digestible, feel free to use Google Trends, the result speaks for itself.
How big or small are you vs your competitors in terms of number of employees?
Nowadays, most companies have a LinkedIn account with all the employees registered. LinkedIn would be one of the main sources where you could get an idea how big your competitors are.
It looks like Stockfresh is in real trouble at this section. I don't see how could they conquer a market in which top brands have at least 150 times more employees. For me it looks like a battle of a mosquito against US Air Force. Anyway, no worries, that's why we are here, to see what opportunities can a start-up company take advantage of by analysing their top competitors. I'm more than confident that players like Stockfresh will find some really useful opportunities by reading through my recommendations further on.
Are referral or affiliate programs common within your industry?
Affiliate or referral programs are widely used as a valuable channel through which online businesses can attract highly qualified visitors to their websites in exchange for a commission. You need to find out if affiliate marketing is common within your industry. To find out, you can check few of your top competitors' websites and see it for yourself.
To take advantage of all the affiliate program could offer you, the real challenge would be to gather affiliates who are already driving high quality traffic to your competitors' websites. Also you might be considering coming up with a more solid and rewarding offer compared to your competitors so that you can entice affiliates that it would be better worth joining your referral program or at least have you included into their linking websites.
But how and where should you start digging for this treasure? In the online marketing world, this procedure is commonly known as affiliate link signature diagnosis and competitors' affiliate recruiting. The link signature comes from the different affiliate networks your competitors joined, however there are cases when few of your competitors have built their own affiliate network. Circumstances like this, as well as other technical barriers, faces us with a rather complex procedure which I'd rather cover in a separate blog post, so be on the lookout.
Do your competitors blog regularly? And how about you?
This is actually not so hard to diagnose. You simply access your competitors websites and check them manually if they are writing regular blog posts if any at all. However, there are cases when you hardly find any sign of a blog within your competitor's website. In cases like this, you should be considering searching in Google, this is how I found iStockphoto's blog page under an unusual name iStock Fuel (fuel.istockphoto.com) instead of blog.
As soon as you have the URL pattern of your competitors' blog pages, you can further investigate to see how many or how regularly are they posting. To do this, the most concrete way for a quick result is to use Google search through which you can check how many blog pages had got indexed by Google bot. You will need the site: operator or other exclude or include combo options as for ex. the inurl: or -inurl: operators just to mention a few. By the way, you can find a more indepth look into the most useful combinations of search operators on this post from moz.com.
Here are few examples in our case:
- site:fuel.istockphoto.com
- site:shutterstock.com/blog
To make sure you get exact results (only blog post pages, no categories, tags or other variations), you must analyse each site's variations of indexed URLs and tweak your search accordingly. For example, fotolia.com has blog pages in different languages under separate subfolders (/en/, /br/, /jp/ and so on). If you use the site:blog.fotolia.com/en filter, I still get categorised URLs like blog.fotolia.com/en/2011/ (posts from 2011), I hope you got the idea what I'd like to emphasise here. Anyway, in my case study, I simply made sure to get all blog pages without applying any further filters for each individual domain.
In our case, it looks like everyone is blogging, however Shutterstock and Fotolia are far ahead compared to their counterparts.
Are your prices higher or lower compared to your competitors?
Well, pricing is really important for any business and, in most cases, this information is publicly available on your competitors' websites. In our case, what I found was the numerous types of pricing models of which the most common ones were the credit based and monthly subscriptions. It's a daunting task to have a clear vision which player has the most advantageous offer. In the stock photography industry, pricing models can reach numerous variations. Still, in my opinion, the simpler you make it, the better for your users. There are already good examples like the dollarphotoclub.com launched by Fotolia where each image costs you $1 – simple, straightforward, no hidden catch.
Does your competitors' technology outperform yours?
You might also be considering what technology stands behind your competitors websites. Thats what BuiltWith is for, check it out and see it in action.
Other data specific to your niche
Each business niche has its own characteristics which is up to your creativity how you can take notice of and more importantly, the ingenuity it takes to take advantage of such data. To help you out with this, I am sharing with you the opportunity I pinpointed on stock photo websites.
Only for those who are not quite familiar with the stock photo business model, one of the most valuable assets of any stock imagery websites are the contributors who are feeding these sites with fresh content, in our case photos or illustrations. Each contributor's name or ID is also listed beside each individual image or illustration and their ID or name is linking to their profile page on that particular stock photo site. As long as you manage to identify the URL pattern along with other characteristics on the page, you can easily find out who and how many contributors a stock photo has.
Here is a good search query example in case of Shutterstock by using Google search:
site:shutterstock.com/gallery- intitle:portfolio
It looks like they have around 3,000 contributors, quite a good starting point to conduct an even more in depth investigation and find out who are the top sellers among these 3,000 artists who are not present on your site.
Business intelligence data
Slowly, we reached the point when we need to collect data which is beyond our capabilities of getting them manually. This kind of data most of the time is available through third party softwares or tools, most of them charging a once for a lifetime fee or by subscribing to a monthly subscription package.
At this stage, you should mostly concentrate your competitor analysis on the big brands, those competitors who have already established their brands on the market. Trust me, there is definitely a lot you can learn from them as you'll see in my case study as well.
What are the main traffic sources of your competition?
At this stage, we've learnt a lot about our main competitors but we need even more data, data which can assist us in taking actions similar to our competitors and take advantage of them.
We would definitely like to know which are the main sources our competitors drive traffic from to their websites. To find out, the first tool I'd recommend is SimilarWeb. You can play around with the free version, however the pro version has some even more useful features.
It looks like Shutterstock has a more balanced traffic distribution telling me one thing, that of their reputation and ability to keep their customers returning to their website far outperforms its counterpart 123rf.com. In this industry, the battle is more on boosting customer loyalty, retention and nurturing rather than the constant flow of organic traffic mainly from Google. Still, Shutterstock seems to be well performing in both referral and direct traffic as well as organic listings. Just in case, you analyse your website and the result is similar to 123rf.com, you'd aim to reach to a more balanced distribution similar to Shutterstock. After all brand awareness is much more important than high organic listings. This should be your final goal, build your brand, not your rankings.
Compare your unique visitors to one of your competitors
This is data I found by using Compete, however, you might consider this tool a top priority when it comes to making a choice in selecting the best competitor benchmarking tools available on the market.
I'd better recommend checking out what Compete PRO has to offer by watching their promotional video.
What sites are sending display traffic to your competitors?
Here again, I used SimilarWeb and as you can see in the charts below, you can easily sort out which domains you should also be considering to position your own display ads.
What type of display ads do your competitors use?
Now, you might be interested in the ad creatives your competitors are using as well as the messages they want to reach their customers with. There are several tools to get this data but I found one which I hope you'd also find it useful. It's called Moat Ad Search and the reason I like this tool, it's extremely simple to use and you get a visual result instantly by adding the brand name in the search field which is equipped with an autocomplete function you might also find helpful.
The power of this tool is that you can have an instant look on all of your competitor's display ads without wasting time to gather them manually. After this, all you have to do is to filter out key messages from each display ad then take advantage of them for your own business.
Here are few examples of two major brands within the stock photo industry but I highly encourage you to try it for yourself and start spying on your own competitors' display ads right now.
The tool also has a pro version with even more features you might find useful for your sales team.
How much do your competitors spend on advertising?
We might have a vague idea about our competitors ad expenditures. However, there are several tools which are capable of scraping out data beyond our reach. I used iSpionage, one of top competitor search marketing tools available on the market. I can more than recommend this tool, or suggest you at least play around with it and see it for yourself what it has to offer.
Ad keyword overlap analysis
You might be considering to diagnose which keywords overlap with your competitors and which are those you might also be considering to advertise on. SpyFu Kombat is a wonderful tool and in order to achieve the result as seen below, you must fill in the search field with your domain name vs two other domains of your competitors. Let's suppose my site is 123rf.com and I want to find out what keywords shutterstock.com uses in their ad campaigns which I might also be considering using.
In order to get a full list of these keywords, you need a paid subscription. However, taken in consideration all the other useful features this tool has to offer, it might be a good choice to do some further investigations about your competitors' marketing strategies.
Which are the top keywords your competitors are bidding on?
There is not much to say here, as long as you might be considering to gather all the keywords your competitors are bidding on, you might again be considering the iSpionage tool. Besides the raw keyword list, the tool extracts other valuable data like CPC (cost per click), average search volume, average position and even more.
What ad copies do your competitors use?
It might be worthwhile to analyse a little bit more closely top performing PPC ad copies of your competitors. Luckily, you can get this data as an aggregate by using one of the competitor tools mentioned throughout this post (iSpionage, SpyFu and SEMrush).
What is the SEO or organic traffic value of your competitors?
What is your average PPC budget compared to your competitors?
Who is linking to your competitors?
This information is very important, especially from an SEO perspective, considering the fact that the more valuable votes ie links your website has, the higher authoritative it becomes in the eyes of major search engines like Google or Bing. I won't go into detail here, however I'd like to help you out in getting this data by using one of the top three tools available on the market which are ahrefs, OSE from moz.com and MajesticSEO.
Here is a report you can get by using Opensiteexplorer.org (OSE):
These tools can be used to dig deep into your competitors backlinks and find backlinking opportunities. You'd better try one of these tools for yourself and experiment a little bit.
How to get alerted in time?
You need to react quickly whenever something good or bad is being spread throughout the internet. It's not just about your brand, you should be alerted of each move your competitors are taking.
There are three tools you can use to monitor your and your competitors' brand mentions or whatever you might find useful (ex. your name) to get alerted in time.
Find out whose fans are more supportive and why?
We reached to social media profile analysis and comparison. There are numerous social media monitoring tools but I found one which is really cool. It's called FanPage Karma with which you can quickly compare the performance of two Facebook IDs of one of your competitors. Below you can see the result of Shutterstock against 123RF.
By using this tool, you will reveal all the strengths and weaknesses of your competitors social activity, analyse interactions and engagements, helps you identify best time intervals for posting your messages as well as what type of posts perform better.
If you need a much more detailed evaluation and monitor unlimited number of Facebook pages as well as Twitter analytics, you might be considering their Pro or Premium packages. I think there is no better way to introduce the benefits of this product than watching through their guided video tutorial.
What content performs best for a topic or competitor?
BuzzSumo is another great tool to analyse your social activity against your competitors. I'm a fan of this tool and using it very frequently. Let's see a real example, what you can expect from this tool and take advantage of.
As you can see in the above examples, you can easily extract top shared contents of your competitors, you can further filter the result according to what data you'd like to see (most shared content on Twitter or G+, guest posts or articles and so on). It's a tool which helps you decide what type of content (blog posts) you should write to get your users engaged. In my opinion, if big brands like Spotify, HubSpot or Wyatt are using it on a regular basis, you should definitely give it a try. You won't regret it, I promise.
Who are the top influencers?
Now again, BuzzSumo is here to help. You can either search by topic or Twitter username then further filter the result by the numerous available options this tool has to offer. Below I am showing you two examples, one by using a topic search (stock photo) and one by using one of top leader's Twitter account (@Shutterstock).
An alternative you might also be considering when it comes to social activity analysis would be the SocialCrawlytics tool however I personally found BuzzSumo more user friendly.
The all-in-one scoring benchmark
You might also be considering a scoring software which takes in account all internal and external data of your and your competitors' websites then aggregates and evaluates these data on a certain scale. A good choice for such a software is Marketing Grader from Hubspot which evaluates the effectiveness of marketing activity of the analysed website. The tool analyses many aspects of the marketing pipeline from social media to email marketing and analytics, basically taking in consideration all the factors which contribute to a website performance.
Another advantage of this tool is that it outlines all the parts on which you should take some further steps for improvements. Just below, I've listed the overall results of the domains analysed in my post but I encourage you to try this tool for yourself and have a more in depth look into how your site is performing on social, SEO or mobile.
Another alternative to have an overall scoring report against your competitors, would be Moz's Open Site Explorer tool. The tool allows you to compare your data with up to 4 of your main competitors and see in an instant on which part your site performs well and on which part you need improvements. Metrics are showed on both page, subdomain or root domain levels.
Now that we have covered some of the main areas a thorough competitor analysis should focus on, it's time to jump ahead and do your own homework for your own websites.
Certainly, there could be many other different approaches to conduct such an investigation, not to mention other same or even more powerful tools available on the market.
Remember, on first hand, the focus is to know exactly where is your business positioned against your competitors and secondly, what marketing strategies your competitors are using which could after all lead you to a competitive advantage.
I'm really curious what other strategies you use when it comes to beating your competitors or what advantages the above mentioned strategies or tools offered you.


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Sterling Holidays appoints Manish Jain as its Chief Financial Officer
Chennai: Sterling Holiday Resorts Limited, India's leading holiday lifestyle company, announced the appointment of Mr. Manish Jain as Chief Finance Officer. In his role at Sterling Holidays, Mr. Manish will be responsible for Sterling Holidays finance, accounting, tax, insurance, and treasury functions.
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As well as being registered in Nova Scotia, Elizabeth holds licenses with the California Acupuncture Board and the National Certification Fee for Acupuncture and Oriental Medicine (NCCAOM) in the United States. Jane Holden has a Bachelor of Acupuncture degree from the College of Traditional Chinese language Acupuncture in England and has been a member of the Nova Scotia Acupuncture Affiliation since 1992. She is a Registered Nurse with a Bachelor of Science degree, a member of the Therapeutic massage Therapists Association of Nova Scotia and a Licensed Bowen Practitioner.
Jane Marshall graduated in 2001 from the Canadian School of Acupuncture and Oriental Medicine in Victoria, BC. She holds a three-yr diploma of Conventional Chinese language Medicine and Acupuncture. She is a member of the Nova Scotia Association of Acupuncturists (NSAA), as well as the Herbalists Association of Nova Scotia (HANS), and is an Acu-Detox Specialist (Ear Acupuncture for Addictions), licensed through the Nationwide Acupuncture Cleansing Affiliation (NADA). Anne-Marie has been practising Chinese Medication for the last 14 years in Antigonish, having recently moved her workplace to Antigonish County.
Jacqueline is a graduate of The Canadian School of Acupuncture and Conventional Chinese Medication where she graduated as a Registered Acupuncturist. Her need to further pursue her studies and further her clinical experience took her to The Canadian Institute of Conventional Chinese language Medication in Calgary, Alberta, the place she spent an extra two years and graduated with a Diploma of Acupuncture and as a Physician of Conventional Chinese Drugs. It does this by stimulating certain anatomic websites on the physique usually known as acupoints or acupuncture factors.
Acupuncture is beyond the insertion of needles, it's a family of procedures involving the stimulation of various anatomical points in or on the pores and skin by the completely different array of techniques. American acupuncture has developed other ways of approaching the analysis and therapy of well being conditions by incorporating the standard acupuncture practices from Japan, China, Korea, Taiwan and different international locations alike.
Acupuncture and traditional Chinese language medicine are based mostly on the traditional philosophy that believes and describes the universe and the human physique to be in terms of two opposing forces popularly known as the Ying and Yang. Acupuncture remedy is claimed to release the qi" in the physique with a purpose to stimulate function hereby evoking the body's natural therapeutic response using different physiological methods. The effects of acupuncture on the immune and endocrine system as well as the nervous, digestive, and cardiovascular system have been demonstrated by way of modern research. Purinergic signalling could also be an enormous a part of the puzzle of how acupuncture works.
When requested how does acupuncture work within the clinic I am going to usually answer with how acupuncture stimulates the brain to launch ache-relieving hormones and its capability to extend blood circulation. From these findings, we can say that acupuncture is effective for treatment of certain situations. Bear in mind when considering acupuncture, that acupuncture within a Chinese language medicine clinic is just one methodology in an array of methods used to restore well being. Different methods used which will improve the effectiveness of an acupuncture session might embrace cupping, Chinese herbs, warmth remedy and therapeutic massage.
Acupuncture could be so stress-free that most individuals go to sleep through the session. It is after having a constructive expertise with an acupuncture treatment that the fear of needles subsides. The picture to the left exhibits how small an acupuncture needle is. With the modern invention of a guide tube which desensitises the realm before the needle is inserted, ache free acupuncture is possible. This can be a big difference and the explanation many people will happily calm down with acupuncture needles in for half-hour.
Acupuncture was designed to assist folks of all ages to assist restore and maintain health. The initial acupuncture session features a session to determine your health from a Chinese language medicine perspective. You certainly can exercise after acupuncture, in truth, some research suggests acupuncture straight before an event can improve efficiency. Acupuncture helps to modify off the struggle or flight response and robust activity stimulates it. So better to walk or rest directly after acupuncture. One of many advantages of having acupuncture is that it would not intervene with medications.
- 314 Visitors


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Over the course of the last two decades, Mark Tremonti has created no less than thirteen albums. His talent as a songwriter and guitarist is without question, and his work with both Creed and Alter Bridge has put him at the top of the pile of contemporary rock guitarists.
With his solo venture, Tremonti has stripped away the blues and country influence that Myles Kennedy utilised, and has focused on his signature breakneck machine-gun riffs. His vocal ability has increased exponentially over his last three albums and he is now very much an accomplished singer in his own right.
On "A Dying Machine", Tremonti's fourth solo record, he has honed and perfected his sound to create an excellent body of work that will please both die-hard fans and new listeners. It's the first time in his career that he has attempted a concept record, and it's been designed as the soundtrack to the forthcoming novel of the same name, co-written by sci-fi author John Shirley (Bioshock: Rapture, Borderlands: The Fallen).
Opener "Bringer of War" is a storming mission statement that builds with military precision. His use of darker melodies and more ambitious chord progressions helps to build the world in which the record lives. Title track "A Dying Machine" is up there with Tremonti's finest work. The six minute epic gives the concept of humanity within artificial intelligence room to flourish, with the extended runtime allowing him to explore alternative song structures.
The album eventually starts to settle into a groove, with tracks falling into one of two camps: storming, relentless riffage with an arena rock chorus, or darker, more ethereal explorations of typical rock balladry. With the former, tracks such as "The Day When Legions Burned" and the wonderfully uplifting "Take You With Me" are spectacular, and easily stand beside his finest accomplishments on Alter Bridge's "Blackbird". The latter has its moments with "As The Silence Becomes Me", but songs such as "Traipse" lack the emotional punch that permeates the rest of the album.
Tremonti has always been one of the kings of modern popular guitar, and his performance throughout the album is yet another masterclass in thunderous riffs and screaming solos. Concept albums are always particularly tricky, and not every artist who attempts one is as capable as Coheed and Cambria, but Tremonti has played to his strengths and has certainly made the most of his first foray into narrative songwriting. Loaded with brilliant material that would explode in a live setting, "A Dying Machine" is another stellar record by one of the best in the game.


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text: Recently on the Today show, the hosts were talking about being happier at work. Let's face it, EVERYONE has stress in their jobs in some way or another. In fact, in a recent Gallup poll, only 13% of us enjoy the time we spend at the job. So if you're looking to find more happiness in your job, the numbers 5, 3, and 1 could help turn it around. Couldn't hurt to try right?


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Elgacena street recalls the name of the original Jewish district of Estella. Although the first document which mentions the OlgacenaJewish quarter stems from 1135, the Charter of 1090, inspired by that of Jaca and granted by Sancho V, already refers to Moslems and Jews being settled in the area. At that time, the Jewish quarter was only linked to the San Pedro nucleus and the castles' defences as the districts on the other side of the river did not merge with the latter into a single municipality until 1266.
That first settlement of Jews was increased in the second half of the 12th century with the arrival in Estella of new residents essentially dedicated to commerce and in the service of receiving the pilgrims who were going from France to Santiago, boosting the growth of the city in which the Jewish collective started to gain increasing importance. And until the 13th century it was regarded as enjoying the greatest prosperity both of Estella and its Jewish quarter.
Historic documentation tells us that in 1135 the Jewish quarterhad already been abandoned and the space it had previously occupied was donated to the barons of Estella by the King of Navarre García Ramírez the Restorer and in 1145 the crown donated the former synagogue to the bishop of Pamplona so he could build a church devoted to St. Mary and All Saints (today Jus del Castillo).


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At the time of the last Lintian run, the following possible problems were found in packages maintained by Aurélien COUDERC <firstname.lastname@example.com>, listed by source package. See also the full report, including info, experimental and overridden tags. Also see their QA overview.
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Graydon Cuthbertson sat in a hospital mattress Thursday, his badly scarred legs on show. He wore a robe and a blue paper bathe cap. But he was so far as one presumably may very well be from a sterile hospital room, or not less than his thoughts was. "It's like
Canadians are fed up with lengthy wait instances for health-care companies. A brand new evaluation from the Canadian Institute for Health Information (CIHI) reveals wait instances for hip and knee replacements and likewise cataract surgical procedures have elevated throughout Canada since 2015. But we love our well being care system.
A federal proposal that will enable prosecutors to droop prison costs in opposition to firms in sure circumstances of company wrongdoing has been quietly included within the Trudeau authorities's 582-page price range laws. In truth, its inclusion was so discreet, even one Liberal MP learning the laws was caught without
Reach for the hand of a loved one in pain and not only will your breathing and heart rate synchronize with theirs, your brain wave patterns will couple up too, according to a study published this week in the Proceedings of the National Academy of Sciences (PNAS). The study, by
It was a rough weekend for Jonathan Drouin. The Montreal Canadiens centre left the ice in pain and was taken to hospital for tests after being hit in the upper ribs by a Karl Alzner shot in the second period of a 5-2 win over the Anaheim Ducks on Saturday.
Legalization may be taking the business of cannabis out of the shadows, but there's an inescapable truth in the tangled mess of extension cords and intense lighting rigs used in clandestine basement grow-ops. Pot requires power. A lot of it. From lights and heating to pumps and ventilation fans, it's
WASHINGTON (AP) — The White House indicated Sunday President Donald Trump would sign a sweeping Russia sanctions measure, which the House could take up this week, that requires him to get Congress' permission before lifting or easing the economic penalties against Moscow. Lawmakers are scheduled to consider the sanctions package
The Republican-controlled Congress on Thursday scrapped Obama-era laws at the atmosphere and weapons, depending on a brand new best friend within the White House to lend a hand opposite years of what the GOP calls over the top legislation. The Senate gave ultimate approval to a measure getting rid of


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The following chart from the Congressional Budget Office (CBO) shows who pays federal income taxes in America.
It should come as no surprise that individuals with the highest incomes pay the most in taxes. The top 20% pay 94% of all income taxes according to the CBO. It should also be no surprise that the bottom two rungs (40%) of the income groups pay very little taxes. But it was surprising to me that the bottom 40% actually pay a negative income tax.
How does one pay negative taxes? Tax transfers to low income groups exceed their tax liabilities. Two examples of these transfers are the EITC (Earned Income Tax Credit) and ACTC (Additional Child Tax Credit). The following chart from the Congressional Research Service (CRS) describes the effective negative tax rate phenomenon.
For those earning up to $26,000, there are no income taxes levied, but those individuals pay FICA (Social Security taxes). The value of the tax credits available to those individuals is greater than their SS taxes. Therefore, the group, ends up with a negative tax rate.
I favor this type of income redistribution. I think high-income groups should end up supporting lower income groups. I have no problem with negative effective tax rates for individuals and households that are at, or below, the poverty line.
The CRS reported:


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This transformational story describes the life lessons of a healing practitioner who survived childhood sexual molestation, confusion over her mixed racial identity, strict religious upbringing and a near-death experience. These experiences led her to discover herself and live her Soul's purpose. The spiritual principles and practices she shares interwoven with her personal story and anecdotes from her clients teach how one can;
• Know who they are.
• Connect with their Spirit.
• Listen and trust their Intuition.
• Discover their Soul's purpose.
The spiritual teachings presented are practical and easy to apply. Sharon teaches how to use life challenges to grow, heal, and learn to live life with love, integrity and fulfillment.
Foreword by Alan Cohen (edited version)
When someone comes along who can assist us to find the answers to our personal quest, it is a great blessing indeed. What a gift to meet someone who can guide us to the fulfillment of our own dreams! Such a one deserves our immediate and focused attention. Sharon Gardner is such a guide. Sharon is a powerful teacher because she is for real. She has experienced both earthly hardships and heady joy; she has worked her way through physical and emotional pain and made sense of them as stepping stones on her journey. She has learned to love herself and carve out a relationship and career in harmony with her heart's desires. She has learned to walk her own path with integrity. She is dedicated to truth and spiritual service.
Now Sharon has recorded her story and her wisdom. This book is a gift. Unfolding Journey contains all the elements of the spiritual path that you are likely to encounter, artfully illuminated by one who has learned to tread that path with dignity and love. Sharon pulls no punches in describing the difficulties she has encountered, nor does she compromise in declaring the spiritual truths she has discovered. This book is both lofty and grounded, a perfect syllabus for integrated learning.
What I like most about Unfolding Journey is that it is practical. This teaching is for people who want to make spiritual sense out of their earthly journey. It is about health, relationships, love, money, family and all of the things you so ardently want to make work for you. If you study these principles and put them into action, I promise your life will change in the most wonderful way.
I went to Sharon as a counselor and healer and have also invited Sharon to teach seminars with me. Our participants have issued glowing reports of the remarkable transformations they have experienced through their work together.
My deepest thanks to Sharon for recording her wisdom, and to you for discovering your own.
Alan Cohen
To order book ($12.95 includes S&H) or order EBookUnfolding Journey($9.95)


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Name: Game assassin creed 3.jar 320x240
File size: 633mb
Language: English
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Fr. Stephen Freeman
Fr. Stephen Freeman is an archpriest in the Orthodox Church in America and serves as pastor of St. Anne Orthodox Church in Oak Ridge, TN. He was educated at Furman University, Seabury-Western Theological Seminary, and Duke University. He is author of the popular blog, Glory to God for All Things, and of the weekly podcast, Glory to God, on Ancient Faith Radio. His work has been widely translated and published in Europe and Russia.
AFP publications include: Everywhere Present.


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Now more than ever, it is critical for dealmakers and their counsel to stay abreast of the latest trends and forecasts. Will the tough M&A markets of the last several years give way to greater stability and optimism? How will buyers and sellers adjust their behavior in response to recent experience? How will economic developments drive merger strategy and tactics? How should companies be preparing for approaches by activists? An expert faculty of lawyers, general counsels, regulators and investment bankers will explore the fascinating state of M&A and the latest trends to be aware of.
Ray DiCamillo will sit on a panel entitled "Delaware Law Developments," which will explore cutting-edge issues in shareholder litigation, key developments in Delaware jurisprudence, and trends in deal protection.
Seminar Information and Registration


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Barry Mcmillion
Midland Trail High Class of 1982
Personal Info
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- Barry Mcmillion
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- 1982
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text:
|Qualification Type:
|Funding for:
|UK Students, EU Students
|Funding amount:
|Not Specified
|Full Time
|Placed On:
|17th April 2019
|30th May 2019
A PhD Studentship is available for a suitably qualified candidate to conduct research leading to the award of a PhD degree in the field of Chemical Engineering. The successful candidate will join the world-leading Advanced Nano-Materials, Structures and Applications (ANMSA) Group, one of the leading academic groups in the field of development of novel micro and nano-structures and miniaturised diagnostic technologies. Further information can be found on the group's website: www.anmsa.com.
We are looking for a highly motivated, bright and enthusiastic candidate with a preferable background in fabrication, characterisation and development of microfluidic devices and surface Enhanced Raman spectroscopy (SERS) and a familiarity with chemometric deconvolution (PLS) and/or principal component analysis (PCA)methods. The research is of an interdisciplinary nature and lies at the interface of physical science, engineering and biomaterials and will explore development and implementation of advanced, cost-effective and versatile patterning techniques as well as ways to establish applicability of patterned surfaces and their integration in miniaturised integrated microfluidic surface enhanced Raman scattering systems for point-of-care detection. The superior detection properties and the ability to fabricate lab-on-a-chip on the miniaturised scale will be aimed to facilitate the development of advanced and novel optofluidic devices and will offer numerous applications in biomedical diagnostics, ecological warfare and homeland security.
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Trying to get approved for that new car you've been eyeing? What about a home loan? Or even just a credit card? Every time you apply for new credit this shows up as an inquiry, which makes up 10% of your score, and can cause it to go down. Applying for credit too frequently is a red flag to creditors. If you want to keep track of how often you're applying for credit, or want to make sure you haven't been a victim of identity theft, we can help. See it now »
Gerri Detweiler, education director for Nav, which helps business owners manage credit, says, "In this day and age, with so many reports of data breaches and identity thefts, if you aren't checking your credit, you're neglecting one of the key parts of your financial profile. You're almost opening yourself up for potential problems if you don't check, such as identity theft or mistakes that can end up being very expensive."
According to credit scoring research, consumers who are actively shopping for credit are higher credit risks than consumers who are not. This makes common sense. Think about this: would you rather lend money to someone who is applying all over town or to someone who applies only when they need credit? Since there is a correlation between shopping for credit and being a higher credit risk an inquiry will, in some cases, lower your credit score. Don't worry too much though.
When you make a purchase through the Site, we may collect your credit card number or other payment account number, billing address and other information related to such purchase (collectively, "Payment Information") from you. However, purchases using our mobile applications may require the use of your mobile phone's default payment processing application.
With a low score, you may still be able to get credit, but it will come with higher interest rates or with specific conditions, such as depositing money to get a secured credit card. You also may have to pay more for car insurance or put down deposits on utilities. Landlords might use your score to decide whether they want you as a tenant. But as you add points to your score, you'll have access to more credit products — and pay less to use them. And borrowers with scores above 750 or so have many options, including the ability to qualify for 0% financing on cars and 0% interest credit cards.
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You can check your TransUnion credit score for free right here on WalletHub, where your score is updated on a daily basis. Checking your credit score as put forward by one credit bureau should be enough. The Consumer Financial Protection Bureau found a 90% correlation among a selection of the most common credit-score models. So, it doesn't really matter which one you check, as long as it's free and from a reputable source. Remember that you're entitled by law to your three credit scores for free each year at annualcreditreport.com
PRATOMORONE–have the reports sent to someone you trust ( in Your name–not your friend's name– at your friends address etc.(he /she will know what it is)– and have them forward it to you at your overseas address (your friends' address will be your current/mailing address in the States, if he/she approves!) Whatever fits your particular situation. Make sure it will be Insured and what ever other security one can provide, buy etc. and send them the money before hand, if possible, to do all of this!,
Credit reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file.
Have you ever wondered how using your credit affects your credit score? With so many misconceptions about carrying balances month to month, this can be confusing. Your credit utilization, or how much of your credit you use, makes up 30% of your credit score. Interested in paying down those high balances? Let us show you how by coming up with a personalized game plan. See it now »
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Lenders use these reports to help them decide if they will loan you money, what interest rates they will offer you. Lenders also use your credit report to determine whether you continue to meet the terms of an existing credit account. Other businesses might use your credit reports to determine whether to offer you insurance; rent a house or apartment to you; provide you with cable TV, internet, utility, or cell phone service. If you agree to let an employer look at your credit report, it may also be used to make employment decisions about you.
In the United States, a credit score is a number based on a statistical analysis of a person's credit files, that in theory represents the creditworthiness of that person, which is the likelihood that people will pay their bills. A credit score is primarily based on credit report information, typically from one of the three major credit bureaus: Experian, TransUnion, and Equifax. Income and employment history (or lack thereof) are not considered by the major credit bureaus when calculating credit scores.
Watch out for the upsell! The legislation only requires the credit bureaus to provide a free copy of your credit report, not a free copy of your credit score. The credit bureaus are more than happy to give you a copy of your credit score if you are willing to pay for it. TransUnion owns the company TrueCredit, and you have the option of purchasing your credit score for $5.95. I checked my score about a year ago, and haven't had any major changes in credit, so I declined – I'm only interested in my credit report at this time.
Joint accounts are meant to help individuals who cannot qualify for a loan by themselves. With joint accounts, all of the joint account holders, guarantors, and/or cosigners are responsible for repaying the debt. The joint account, along with its credit history, appears on the credit report for all account holders. When all payments are made on time, the joint account can help build positive credit. However, if someone defaults on payments, all of the joint account holders will see the default on their own credit reports. Depending on the severity of the late payments and negative information, everyone's credit scores could be impacted significantly.
To get there, Steele didn't apply for new credit in the three months before seeking the mortgage as he knew banks would be sensitive to any fresh applications. He also began paying off his card charges before the statement close date, since that's when balances are reported to credit bureaus—a big deal since they're considered long-term debt. He also charged less on his cards.
If you are sitting at fair credit then you are right between bad and good credit. This usually means that you are between the low and mid 600's. At this credit score range you will have a lot more options available than those with bad credit score ranges. At this point you can start applying for mortgages which typically begin at the score of 620. Auto loans are quite common in this range as well. When it comes to credit cards you begin to have a lot more options as well but not quite to the point where you can enjoy 0% interest rates or high rewards. At this point the most ideal option is to continue to push for a good credit score to open up even more options when it comes to mortgages, loans, credit cards, and more.
Mobile Software Development Kits. We and our service providers may use mobile software development kits ("SDKs") to collect event properties within the mobile applications that are similar to environmental variables that are collected by most browsers, which may include general location data (derived from IP address), device manufacturer, and screen height and width. The SDKs track user movements and events occurring within our mobile applications as well as gather information on customers' interactions and satisfaction with our mobile applications. The SDKs help us improve our mobile applications for our customers.
If you are sitting at fair credit then you are right between bad and good credit. This usually means that you are between the low and mid 600's. At this credit score range you will have a lot more options available than those with bad credit score ranges. At this point you can start applying for mortgages which typically begin at the score of 620. Auto loans are quite common in this range as well. When it comes to credit cards you begin to have a lot more options as well but not quite to the point where you can enjoy 0% interest rates or high rewards. At this point the most ideal option is to continue to push for a good credit score to open up even more options when it comes to mortgages, loans, credit cards, and more.
Make sure that you are paying all of your debt on time if possible. Doing so will not only improve your credit rating it will ensure that it doesn't decline. Paying your debts on time will eventually open up more doors to better interest rate credit cards and other more attractive credit offers. You can set up alerts as reminders to pay your bills so it won't slip your mind.
While Credit One is not as predatory as First Premier or payday loans, there is really no need to be using it to rebuild your credit score. Credit One makes it a bit tricky to get to its terms and conditions without either going through the pre-qualification process or accepting a direct mail offer. You'll see this when clicking to look at its credit card option.
Lenders are not required by law to report to credit bureaus but they typically do report to at least one bureau. This is why your credit reports might not be the same across all bureaus. Some lenders might report it to one bureau while others might report to all three – while others won't report it at all. Check your credit score and credit report across all major bureaus to make sure that you have no errors being reported as that would be a much bigger issue than your credit reports in one bureau missing some information.
Your credit scores and reports give lenders an idea of how trustworthy you are when it comes to paying off your debts. Our goal is to provide education to you so that you can qualify for that home loan, auto loan, or premium travel rewards credit card to help you take that dream vacation. Frequently checking your scores helps you know where you're at when it comes to achieving your goals, and can help you qualify for better interest rates. You don't have to be wealthy to have good credit but having good credit can help you achieve your financial goals more easily.
help guard against identity theft. That's when someone uses your personal information — like your name, your Social Security number, or your credit card number — to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don't pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.


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Charlotte Ould
OULD Charlotte Felicity 'Lotte' Tragically, died in Winchester Hospital on 22nd November 2018, aged 47, after a short illness. Adored mother of Matilda. Much loved and greatly missed daughter of Penny and the late Adrian, sister of Simon. Sadly missed by David, her extended family and many friends. Celebration of her life at The Chesil Suite, Chesil House, Winchester SO23 0HU on Thursday 13th December at 12.30pm and afterwards at the Willow Tree, Durngate, Winchester. Dress cheerfully please! Family flowers only. Donations, if desired, to the 'Winchester Hospice' c/o Richard Steel and Partners, Alderman House 12-14 City Road, Winchester, SO23 8SD or via www.rsponline.co.uk
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As I had my early morning coffee, the "Dear Abby" column caught my eye. A reader composed in with a dating issue and ended her letter with that often-heard stereotype that "Women utilize sex to get love, and men utilize love to obtain sex." This is a terrific summation of the "Sex Trap."
The Sex Trap is similar to the Love Trap, where songs analyze excellent sex as love. However those who fall into the Sex Trap go even further since for these singles, having sex brings tremendous significance and repercussions.
Singles fall under the Sex Trap in one (or both) of 2 ways:
A.they think sex is a essential test of compatibility, (if the sex readies then the relationship will ready too).
B.more typically, all awareness goes out the window, and one or both formerly level-headed singles consider themselves a committed couple as quickly as they have sex.
Rather than looking at whether this other person might be a match on levels other than physical attraction-- such as long-lasting requirements, needs, and wants-- they are blind-sided by the chemistry under the covers.
No doubt, it can be challenging to stay connected with truth when all those hormonal agents are running wild. Our body reacts to somebody we are attracted to by producing hormones such as PEA or phenylethylamine (natural amphetamine), dopamine and norepinephrine (natural mood enhancers), and testosterone (increases libido), makings the chance to make love with someone we are drawn in go to my blog to incredibly hard to resist. Then, after orgasm, we produce oxytocin (which acts on the hypothalamus to produce feelings), which makes us feel very close to and bonded with our sex partner.
These chain reactions are involuntary and strong , leading to powerful sensations of tourist attraction, enjoyment, love, wellness, and nearness .
When issues occur, those who fall into the Sex Trap typically rationalize by believing, "Well, we've got issues, however the sex is great!" They more than likely wouldn't admit it, but they focus on physical intimacy and relate to the rest as optional. Their primary searching tools are sexual attraction and physical compatibility.
Barry North, an RCI coach who works mostly with gay males, says that a number of his customers have actually fallen into the Sex Trap.
" For gay males especially in cosmopolitan areas, sex is readily available, and that in itself is a trap," North says. Why waste your time if the sex isn't really going to be excellent?".
Nonetheless, North includes, "I suspect this is a ' person' thing rather than a 'gay' thing.".
I do wish to point out that chemistry is necessary. Chemistry is a provided that we cannot manage in a relationship; it is either there or not there, and it needs to be there for the partnership to work. If not there, we cannot "make" chemistry occur, though in some cases it can grow over time.
Singles who pursue a relationship based upon sexual chemistry danger relationship failure when the hormone-induced intoxication diminishes and truth hits.
To prevent the Sex Trap, you need to stabilize your heart (and hormonal agents) with your head. This means combining chemistry with typical sense. While great sex is essential for a sustainable relationship, you need to make your partner options by paying full focus on your vision, requirements, objectives, and worths -- while feeling all those interesting triggers!
The Intimacy Deception, Balancing Hormones and the Cranium
As I had my early morning coffee, the "Dear Abby" column caught my eye. A reader composed in with a dating issue and ended her letter with that often-heard stereotype that "Women utilize sex to get love, and men utilize love to obtain sex." This is a terrific summation of the "Sex Trap."


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Laura Comstock, Vice President, Analysis Group to Speak at The Knowledge Groups Halliburton II and the Price Impact Rule Webcast
December 06, 2018
The Knowledge Group has announced today that Laura Comstock, Vice President, Analysis Group will speak at its webcast: Halliburton II and the Price Impact Rule: Changing the Tides of Securities Litigation LIVE Webcast. This event is scheduled on Wednesday, December 12, 2018 at 12:00 PM - 1:30 PM (ET).
December 06, 2018
- For further details, please visit:
About Laura Comstock
Ms. Comstock specializes in the application of financial economics and data analysis to litigation and other complex business situations. She has assisted clients in all phases of the litigation cycle, from discovery through trial preparation. Ms. Comstocks case work has involved litigation related to the bankruptcies of Enron, Global Crossing, and Lehman Brothers. Ms. Comstock has also supported experts in numerous litigations involving allegations of violations of Sections 10b-5 and 11, and litigation related to mortgage-backed securities (MBS).
Event Synopsis:
Consequent to the Halliburton II decision, which allowed defendants to rebut fraud-on-the-market presumption at the class certification stage, many courts struggled as it did not provide a clear guidance on how to assess a rebuttal evidence. The long-awaited guidance was finally provided when the U.S. Court of Appeals for the Second Circuit issued its Arkansas Teachers Retirement System v. Goldman Sachs Group, Inc. opinion. It opposed the district court's statement that defendants needed proof that would serve as conclusive evidence of the price impacts complete absence. The Second Circuit further opines the sufficiency of a mere preponderance of the evidence to negate the presence of price impact.
The Knowledge Group has assembled a panel of key thought leaders to provide the audience with an in-depth review and analysis of recent Price Impact court rulings impacting the securities litigation landscape. Speakers will also provide the audience with practical strategies in bringing out the best in these lawsuits in a rapidly evolving legal climate.
Key topics include:
Halliburton Co. v. Erica P. John Fund, Inc.: An Overview
The Price Impact Rule
Guidelines for Rebutting Price Impact
Best Practices in Assessing Defendant's Rebuttal Evidences
Regulatory Changes and Consequences
Emerging Critical Issues
About Analysis Group, Inc.
Analysis Group is one of the largest economics consulting firms, with more than 900 professionals across 14 offices in North America, Europe, and Asia. Since 1981, we have provided expertise in economics, finance, health care analytics, and strategy to top law firms, Fortune Global 500 companies, and government agencies worldwide. Our internal experts, together with our network of affiliated experts from academia, industry, and government, offer our clients exceptional breadth and depth of expertise.
About The Knowledge Group/The Knowledge Congress Live Webcast Series
The Knowledge Group was established with the mission to produce unbiased, objective, and educational live webinars that examine industry trends and regulatory changes from a variety of different perspectives. The goal is to deliver a unique multilevel analysis of an important issue affecting business in a highly focused format. To contact or register to an event, please visit: http://theknowledgegroup.org/
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Showcase Your Business
What are today`s marketers doing to expose their business to the masses? Posting in Facebook Groups, Tweets, Landing Pages, Blogging, Free Systems, Free E-Books, etc... How is it going for you? Be honest!
3-5 years ago, landing pages were really good to use being there weren`t many marketers using that strategy and now the strategy is over saturated. There are many people who are not quick to exchange their email...
for a free report or e-book others are giving away. Are you using pre-written messages or are you creating your own? Are you giving away a free system that others are giving away? Important questions to ask yourself!
The online space is littered with a lot of bad information that in my opinion is causing a lot of marketers to fail! Video is a strategy all marketers should be looking into for their business!
1 billion views per day on YouTube and most refuse to take advantage of that venue. Market Research is also very important for marketers. It will allow you to quickly determine whether information is valid or invalid!
Society keeps telling us you need to be an Authority to be successful in this industry and that`s true when you are truly an authority in your niche! I`ve seen marketers rave about traffic sources yet haven`t shared...
results! Seen them rave about software yet haven`t shared results or a demo walk through! I`ve even seen those talking about ranking websites and theirs aren`t! That`s why it`s important to continue educating...
yourself with the correct knowledge. You just can`t follow anybody that can also cause you to get caught up in the wrong crowd! Just be careful and learn what`s needed for you to become an authority in your niche!
One important lesson I learned from my business coach was the fact many marketers are promoting the same things as you. The key he stated was being more strategic which allows you to outsmart your competition!
There are thousands of others using the same incentive strategy I use so I took that strategy offline and it has paid off being most are focused more on the online space making my pond large and full of fish!
One last thing to keep in mind is stop trying to compare products to others in your niche! Share documented facts and let the consumers decide which is best for them! Educate your prospects that`s where the value lies!
On Dec 1st my advertising will reach major websites and apps within my radius and wothout having to spend any additional monies allowing me to expand my products and services to the masses!
I will continue sharing valid and proven information! My concern is for those who are willing to learn and implement the knowledge into their business for those who don`t or won`t I can care less!
Spencer R. Taylor Jr


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The investigation into Monday's attack on a bus carrying Amarnath pilgrims is still in an early stage. But the Jammu and Kashmir police say they have intercepts that prove the Lashkar's role. According to information put together by the security establishment, Abu Ismail led the attack along with three to five other terrorists, some of them locals.
At the attack site, a heavily protected area just 200 metres from an army installation, more than 100 empty cartridges were found, which, sources said, indicates that the terrorists were well prepared for the attack. Investigators said the terrorists came on two motorcycles and chased the bus at two points before escaping.
It is not clear what kind of a role, if any, was played by Abu Dujana, who is seen to be the big boss of the Lashkar-e-Taiba in the Kashmir valley. Sources said the terrorist group operates through a "disaggregated structure" in Jammu and Kashmir, implying that local operatives may carry out attacks independently in their area of operation.
The Jammu and Kashmir police have said they suspect the Amarnath attack, one of the worst in Kashmir in recent times, was a revenge attack after the police announced the arrest of Lashkar operative Sandeep Kumar Sharma in south Kashmir's Anantnag.
A native of Muzaffarnagar in Uttar Pradesh, Sharma, 36, had joined the Lashkar in the state five years ago and was reportedly close to terrorist Bashir Lashkari, who was killed in an operation on July 1. Sharma is believed to have accompanied terrorists in the Qazigund ambush that killed six policemen.
Sharma was arrested on Monday when he emerged from the house where terrorists had been hiding after the July 1 encounter in Anantnag which killed Bashir Lashkari.
There is no clarity how the bus carrying pilgrims was allowed to pass security check-posts on Monday after sunset when thousands of policemen head back to their camps for the night. Intelligence agencies had warned that terror groups such as the Lashkar could try and attack the annual pilgrimage made by thousands every year.
"We have to enquire why... it was allowed after sunset," Jammu and Kashmir Deputy Chief Minister Nirmal Singh told NDTV, stating that the attack was a "big lapse". Officials said it was apparently delayed by a flat tyre.
Election Results for Lok Sabha Election 2019 will be out on May 23. Get the latest election news and live updates on ndtv.com/elections. Catch all the action on NDTV Live. Like us on Facebook or follow us on Twitter and Instagram for news updates from each of the 543 parliamentary seats for the election 2019


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Every week we highlight noteworthy material from across the web. These links will relate to each of the courses — blogging, writing, vlogging, and photography – though everyone is free to browse each section. We want each of you to benefit from these posts, regardless of what course you're a part of! We will keep these updates short and sweet so you can grab what you need and get back to work.
The Business of Blogging
- How to Improve Yourself in 6 Months from James Altucher
- On the Law of Diminishing Specialization from Cal Newport
- The Four Roads We Call Customer Service from Seth Godin
- Useful Tools for Increased Productivity from Kopywriting Kourse
Travel Writing
- Selling a Book? Overlooking This Page Can Kill Sales from Smart Passive Income
- North America's Nearly Forgotten Language from BBC Travel
- 'God Was on Vacation': A Visit with a Long-Lost Cousin in Romania is a Holocaust Lesson from The New York Times
- The Hidden Joy of Travel? The Conversations You Have Along the Way from Adventure.com
- The Alchemy of Happiness from Smarter Travel
Travel Photography
- Why Are You on Instagram? from Fstoppers
- You Don't Need a New Camera from Peta Pixel
- Instagram Photo Challenge from Peter McKinnon
- 9 Unique Photography Poses from Mango Street
Travel Vlogging
- How We Find Food from Sailing La Vagabonde
- Letting Instagram Decide Our Travels from Hey Nadine
- Tropos 32L Review from Indie Traveller


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The world of education is becoming inundated with data, and the growing use of technology in schools has made it even easier to collect and report data continuously.
Does high-stakes evaluation scare teachers away? And if so, which teachers? Does this help or harm students? High-stakes evaluation does affect who comes into the classroom and who stays there, and research indicates that this flux may actually be good for students.
Senior Researcher
Alison Wellington has expertise in rigorous evaluations of large-scale education projects.
Senior Fellow
Brian Gill studies K–12 education policy, including charter schools, educator effectiveness, and the implementation and impacts of high-stakes testing and other accountability regimes.
Senior Researcher
Stephen Lipscomb has 10 years of experience designing and conducting studies to improve outcomes for children in public schools. Much of his expertise and interests relate to special education, research partnerships, and educator effectiveness.


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Wednesday, January 10, 2007
Ottawa hid true LRT costs from public
2 comments:
What makes this Ottawa light-rail fiasco even more infuriating is that the city has operated a highly-successful transitway for over two decades, true 'bus rapid transit' long before BRT became trendy. But that wasn't good enough - Ottawa just had to jump on the light-rail bandwagon. Even if the rail system as proposed wouldn't even serve the downtown area. Even if it meant compromising the popular east-west transitway services. I hope this project stays good and dead and Ottawa gets back to figuring out how to refine the Transitway system it has to better serve the public.
- January 10, 2007 at 10:06:00 AM EST
- RDC said...
It's the "rail at any cost" philosophy that took over in Ottawa. The accounting shell game they came up with to bury the rapidly rising costs to the public shows how desperate they were to ram the line through.
While an LRT line probably would have worked well up there since they do have the population and high transit ridership numbers in place already, the plan turned from a transportation issue to a political prestige issue. When the plans were chopped to eliminate the line from entering downtown, it should have dropped there but the politicians just having to have a legacy for themselves kept the revised plan going and cost the taxpayers even more money.
I agree, the plan needs to stay dead and the efforts put into improving the existing operation.
- January 10, 2007 at 4:01:00 PM EST


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