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Joining the Freelance Community: Transition from Student to Professional
"I'm fascinated by the way I can move ideas and perspectives from one language to another, says Joël Dongmo Dontia, a freelancer and a student currently working on getting his Masters in Translation at Université de Dschang in Cameroon.
Joël is using Memsource to help jump start his career as a freelance translator. His determination to excel at school and in the translation market will make him a great addition to the freelance community.
What steps did you take to get started in this career?
I started my career in 2014 when I began a translation training course at my University where I'm studying the translation of English and German to French. I chose translation because I'm interested in learning the culture of each language and I'm fascinated by the way I can move ideas and perspectives from one language to another.
What changes or trends in the translation industry have you seen since you began this career path?
I've noticed there have been big improvements in the machine translation domain. They're so big that it's not hard to imagine that translators will soon be useless in the industry. Luckily, creativity and emotional intelligence still put humans at an advantage.
Do you know what field of translation you would like to specialize in?
I like journalistic translation, but game translation is one of my favorite domains. I'm always looking at ways to gain more knowledge to improve my translations in this market.
What have you found to be the best ways to promote your business?
Honestly, I've found leaving comments on different articles and publications on Facebook, LinkedIn, and Twitter to be extremely useful. I also had the opportunity to network with other translation students and professionals at my University to talk about what they find fascinating in the translation market.
How do you stay competitive in the translation market?
As a student, I continue to master my language skills and stay informed about the changes in the translation market. I also train with CAT tools (Memsource) to know all the features that will help me stand out when I graduate.
Have you had the chance to use our mobile app yet?
I discovered the mobile app just recently and it's very useful to know I can view the progress of my jobs right in my hands.
What have you found stands out while working within the desktop Memsource Editor?
The desktop Memsource Editor is definitely something I've been waiting for because it was difficult to have a preview of my translations when I did not have access to Internet. It's also useful when I need to split or join segments. In the past I was annoyed at how segments worked because they only applied to parts of a sentence and I had to search for the remainder in order to make my translation correct. But, now I can easily join the segments, resulting in faster and more efficient translations.
What are your biggest expectations when working with a CAT tool?
I want to work with a fast CAT tool and I want it to be simple to use. Memsource fulfills those expectations and that's why I like to use it.
What are some obstacles you face as a translator today?
Currently, a major obstacle is gaining experience in the translation market. I'm still a student, but I would like to work more so that I can learn more about the challenges I will have to face when I graduate. Another obstacle I come across is my lack of opportunity to attend conferences. If I had the chance to attend conferences in foreign countries I would do so, but for now I'm just looking for ways to boost my visibility on social media.
What's your best advice for your fellow translators who are new to the business?
You must keep working to master your language skills and your knowledge of CAT tools. It's also important to always stay informed about translation tendencies in your market.
Not using Memsource yet?
Are you a freelance translator and want to try out Memsource? Start your free 30-day trial today.


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Here are self-correction and self-commitments for self-realizations from
When and as I see that my application is not effective because I am not facing and/or dismissing the points that come up within communication with myself and others as indicated by myself justifying who I am and what I do, I see, realize and understand that I am cheating myself out of an opportunity to see myself as I am and thus not allowing myself the opportunity to change. I see, realize and understand that I must change – there is NO WAY OUT for me and there is NO GOING BACK – I have made the decision and the commitment to stand and within that, the only choice I have is to change and do what is best for/as all Life, including my own.
I commit myself to stop NOT facing myself, to stop dismissing points that come up within communication with myself and others, and to stop justifying myself for who I am and what I do by breathing, not taking communication with myself and others as personal, hearing, and then assisting and supporting myself to change with writing, self-forgiveness, and self-correction.
I commit myself to stop myself from looking for 'another way' or a 'better way' to walk my process and instead push as the group is pushing, and stand as the group is standing.
When and as I see myself not wanting to give up anything, I see, realize, and understand that I am communicating to myself about a self-interest that I am deliberately ignoring and/or putting off – this gets me no-where as I am cheating and deceiving myself and others. Additionally, I see, realize, and understand that I have been willing to abuse my body for a Reward of a Better Mood and Increased Stamina and thus, I have been abusing Life/Substance for a momentary High which is irresponsible, not cool and just plain ignorant.
I commit myself to giving up my self-interests by assisting and supporting myself to writing out, self-forgiving, and self-correcting myself for what I am deliberately ignoring and/or putting off what I do not want to give up.
When and as I see that I am in a polarity cycle of negativity, positivity and neutrality as indicated by my ups, my downs, and then my balancing out with excuses and justifications, I commit myself to stop my participation in the polarity cycle and to assist and support myself by taking responsibility for myself with writing, self-forgiveness, and self-correction to release myself from these cycles/patterns.
When and as I see that I am abdicating myself as indicated by my backchat where I tell myself 'I can't …' or see others outside of myself as 'unable', I stop. I see, realize and understand that no one is going to walk my process for me and that no one is going to make me walk my process. Additionally, I see, realize and understand that I am communicating to myself about my abdication of myself within the words of 'Can't …' and 'unable'.
I commit myself to stop deceiving and lying to myself about what I can't or what I'm not able to do by investigating myself and looking honestly at what I have done, how far I come, where I want to be, what is required for me to get where I want to be and what is actually, for real, physically practical for me to accomplish and how I will accomplish my purpose/objective/goal.
I commit myself to developing/establishing a relationship of self-trust and self-understanding with myself by writing out my purposes/goals/objectives, what I can practically do to accomplish/complete my purposes, goals, and objectives, and then self-commit myself to move on/with my plan.
When and as I see that I am suppressing my anger as indicated by me physically grinding my teeth while telling myself that I'm not angry, that I am not sad, that I am above emotions, that I am clear, that I am stable, that I am focused, or any other positive affirmation, I stop. I see, realize and understand that my suppressing emotions only prolong my process. Additionally, I see, realize and understand that this suppression is having a detrimental effect on my body – I NEED MY TEETH and thus it is neither within my best interest nor my future survival for me to grind them down.
I commit myself to stop myself from suppressing my emotions by being aware of myself physically grinding my teeth and within this awareness, stopping, breathing, slowing myself down and walking myself backward through my thoughts and reactions – and from here, I commit myself to write out what's 'grinding my gears' that I do not want to see/see myself as equal-to, self-forgiving myself for these suppressed thoughts and reactions, and then self-correcting myself as I now see, realize, and understand that I am giving myself a direct link to realizing myself and thus, I commit myself to exploring/realizing myself via this obvious mind to physical body suppression.
When and as I hear/see myself telling/showing myself that I am going to become fat because I am giving up something outside of myself, I see, realize, and understand that this is myself using one of my greatest fears against me as a way to keep myself from changing – I am using my fear of being fat/being physically big, round, bulbous/becoming disconnected with myself to keep me locked into a pattern of compromising and abusing my body as I go from one polarity – being big bodied to the opposite polarity – being small bodied.
I commit myself to writing out my fears of being fat as well as my experiences within not being fat and from here, forgiving myself for the memories, experiences, and current living within each polarity so that I can self-correct myself to no longer have this fear have power and/or influence over my decisions.

subset: commoncrawl


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In the mind and in the gifted hands of Spanish painter, Juan Escauriaza, there is no beauty without honesty. With his deftly composed canvases of San Francisco's urban landscape, he captures the purity of the everyday and the exquisite in the banal. As an outsider looking in, he does not romanticize the American experience nor is he compassionless in his interpretations. In fact, these are the paintings of a man in the midst of a love affair with the overlooked moments routinely shaping the city streets in which we live.
An Uncommon Portrait of San Francisco marks Escauriaza's second body of work concentrating on the "City by the Bay." With the eye of a documentary photographer, he instinctively hones in on what makes San Francisco so beguiling. Though he often renounces the picturesque in favor of the evocative, Escauriaza does not aim to merely duplicate the nuances of the city, but instead to give us pause, and to allow us the opportunity to uncover the mystery of the human experience. His facades, though worn with the passage of time, resonate with emotional intimacies and untold tales. Is there beauty in weathered signage or in the shadows of electrical wires that traverse the sky at dusk? For Escauriaza, the answer is always, "Yes." He sees honesty in the simplicity of those moments, as he shares the quiet stories of each shadow cast and every sidewalk crack. It is this unique sensitivity and vision paired with his dazzling skill as a painter, that allows a forgotten storefront to become a sacred offering.
In the hands of a lesser artist, the optimism and energy that one feels in front of Escauriaza's paintings would surely be lost. Though his buildings are sometimes down-at-the-heel, they are almost always set against radiant and cloudless skies of ocean blue. His vivid shadows create a delicate geometry that infuse life into the inanimate and it is the combination of his signature precision with unexpected instances of fresh painterly brushwork that introduce a palpable vitality into his canvases.
Edward Hopper, the distinguished American painter and one of Escauriaza's greatest influences said, "There is a sort of elation about sunlight on the upper part of a house." For Escauriaza, that same elation can be felt in the intimate, honest and beautiful works that comprise this exciting new show. Charged with the history and character of the old, along with the promise and exuberance of the new, these paintings are sure to seduce not only the eye and mind, but also the heart.


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Home regions Middle East Property Who is buying into the Dubai Dream?
Who is buying into the Dubai Dream?
Ever wondered which nationals are buying most into Dubai? Well according to Dubai's Land Department, 3,164 UAE nationals natuarally top the list of freehold property owners, followed by (yes you guessed as much) 124 Brits, then 119 Indians, 59 Iranians and 39 Pakistanis. Read more here
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In brief: Charges filed against 35 in Brazil over scheme at Petrobras
Prosecutors investigating a sprawling kickback scheme at Brazil's state-run Petrobras filed charges Thursday against 35 people, including executives from some of the nation's biggest construction companies.
The formal charges cap a months-long investigation dubbed "Operation Car Wash," which is proving to be one of Brazil's biggest corruption schemes yet uncovered.
Authorities allege top officials from Petrobras operated the kickback scheme on contracts worth upward of $4 billion, with money eventually being fed back to the governing Workers' Party and other top parties.
Medical debts sap credit scores, bureau says
WASHINGTON - Nearly 20 percent of U.S. consumers with credit records - 42.9 million people - have unpaid medical debts, according to a report by the Consumer Financial Protection Bureau.
The findings suggest that many Americans are being trapped by debt because they are confused by the notices they get from hospitals and insurance companies about the cost of treatment.
As a result, millions of Americans may be surprised to find they are stuck with lower credit scores, making it harder for them to borrow tobuy houses or automobiles.
BP challenges gross negligence ruling on spill
BP on Thursday challenged U.S. District Judge Carl Barbier's September ruling that the company's exploration unit acted with gross negligence in causing the 2010 Gulf of Mexico oil spill, a decision that exposed the London-based energy company to as much as $18 billion in fines under U.S. law.
Barbier's finding "is not supported by the evidence at trial," BP spokesman Geoff Morrell said. "The ruling should be overturned."
Americans' net worth dips, Fed reports
WASHINGTON - Americans' net worth slipped in the July-September quarter as shrinking stock portfolios overwhelmed a solid gain in home values.
U.S. household wealth declined 0.2 percent in the third quarter to $81.3 trillion, the Federal Reserve said Thursday. Americans' stock and mutual fund portfolios shrank $700 billion. The value of their homes increased $245 billion.
The slight drop comes after Americans' wealth rose to a record in the April-June quarter. A booming stock market and a rebound in home values have enabled the nation's net worth to rebound from the Great Recession.
Yet other data shows that those gains have mostly benefited wealthier households, while leaving middle-class wealth largely unchanged.
Regulator fines 10 banks over Toys R Us case
The Financial Industry Regulatory Authority is fining 10 banks a total of $43.5 million, saying they tried to win roles in the initial public offering of Toys R Us by offering the company favorable analyst coverage.
Barclays, Citigroup, Credit Suisse Group, Goldman Sachs Group and JPMorgan Chase & Co. were fined $5 million each. Deutsche Bank, Bank of America Corp., Morgan Stanley and Wells Fargo & Co. were each fined $4 million, and Needham & Co. was fined $2.5 million.
Unions win ruling on use of email systems
WASHINGTON - In a victory for unions, the National Labor Relations Board ruled Thursday that employees can use their company email accounts for union organizing and other workplace-related purposes, if they do it on their own time.
Once an employer gives an employee access to the company email system, then the business cannot restrict what the employee emails, so long as it is generally workplace-related and isn't during working hours, the NLRB ruled.
The three Democrats on the five member board voted "yes," while the two Republicans abstained.
In other news
Mortgage company Freddie Mac said the nationwide average for a 30-year mortgage roseto 3.93 percent from 3.89 percent last week. The average 15-year mortgage increased to 3.20 percent from 3.10 percent.
RadioShack reported another big loss Thursday for its third quarter as declining sales and dwindling cash forced the retailer to launch a new round of cost-cutting to try to stay out of bankruptcy.
From wire reports


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Lately I confess, I have taken up the laborious task of running. Running to work. Running to serve. Running to have "me time." Running to prepare dinner. Running through my nightly devotion. Running through prayer time. Running home from the store. Running here. Running there. As I sit and ponder all this running I realize … Continue reading Fuming?
Month: December 2018
An overwhelming sea
Having a godly community is good. I dare say it is a tremendous blessing. One way to describe this gift is by imagining being a tall palm tree that has its branches raised to the warm sunny sky surrounded by a body of cool, deep water. "Bear one another's burdens, and so fulfill the law … Continue reading An overwhelming sea
Toss it
"Throw your burden upon the Lord, and He will sustain you. He will never allow the godly to be upended." Psalm 55:22, NLT Jesus in His ministry on earth forewarned us that in this life we would have problems; in fact, the word He used was tribulations or as some translations report trouble (John 16:33). … Continue reading Toss it
Abba Father
Ab (Hebrew), Abba (Aramaic) or Pater (Greek) word means 'daddy', 'papa' or 'Father". Oh how sweet that sounds, "Abba Father", the name of calling our Daddy at any given moment at any time. When we refer to Yahweh as our Abba it shows a personal relationship. Like a father with a child, we approach God … Continue reading Abba Father


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Tag Archives: mental health
Today's Prompt: PANIC
When one says, I am in panic, this doesn't automatically imply that they are actually having a panic attack; might as well be anxious. There is a difference between the two; I have blogged about this last week. Read … Continue reading
Today's Prompt: Silence. Presidential race and mental illnesses
The presidential race is in full motion while the candidates are far from being silent. Amidst all this, GOP Presidential candidate Ben Carson has made a public statement saying that Muslims who embrace American values have to be 'schizophrenic'. This statement … Continue reading
5 Things to remember when everything goes wrong
Originally posted on Positive Ponders:
We expect something in life but it turns out to be something else unexpected and problematic.However the troubles we face will lead us to better path in life by teaching us valuable lessons of life.There…
Today's Prompt: SLOG. How to cope with anxiety when having a car trouble
I was thrown into the anxiety-bordering-with-panic mode today, when my beloved Beetle won't start. Turn the key all I might, all to no avail. I was promptly in denial, then in disbelief, and then I was bargaining and more… went … Continue reading
Diabetes and Anxiety
As someone who has been diagnosed with T2D, I was wondering whether anxiety is more common in PWD (people with diabetes). ADA website quotes a large nationwide study of over 200,000 adult participants, some with diabetes and some without. The … Continue reading
If Alzheimer's Erases Your Name
Originally posted on The Lonely Author:
If Alzheimer's Erases Your Name Memories with no recollection like a warm beach without sand how could I gaze into your eyes and not feel what I breath today If nostalgia becomes a stranger…
Introverts – Here We Are, This Is Us
Originally posted on Words with a View:
A few days ago in class, the teacher tossed our way an odd piece of advice. She told us that when we go off to work in an organization, the introverts among us…
Faces of depression
Depression comes in all shape and form, and at times it doesn't appear in its classic way. The classic way is when you have no energy to even get out of the bed. The way I felt last night however, … Continue reading
What Not To Say To Someone With OCD
Maybe you have a roommate who constantly worries that she left her hair straightener turned on – even if she remembers unplugging it earlier that morning. Perhaps your spouse is so fixated on keeping a section of the house clean – … Continue reading


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|Awards and Prizes
Awards and Prizes
Each year, NWSA in coordination with different NWSA caucuses offers multiple awards for people who are current members of NWSA. Applications will be accepted online during the application submission process. All applications should be submitted by 11:59PM CST on the deadline date.NWSA Book Prizes
Women's Centers Committee Awards
Student Awards and Prizes
NWSA Women of Color Caucus-Frontiers Student Essay Award
2020 application period is February 1 – June 22, 2020
The purpose of the National Women's Studies Association (NWSA) Women of Color Caucus-Frontiers Student Essay Awards is to discover, encourage, and promote the intellectual development of emerging scholars who engage in critical theoretical discussions and/or analyses about feminist/womanist issues concerning women and girls of color in the United States and diasporas. One (1) $500 award is available for a woman of color who is a current graduate student and member of NWSA.
The prize-winning essay will automatically be considered for publication by Frontiers; all essays are subject to Frontiers peer review process. If winning essays are accepted for publication, additional revisions may be required.
Submission Requirements
Please note, Submittable login is separate from your NWSA loginPast Recipients
Trans/Gender-Variant Caucus Award
2020 application period is February 1 – July 9, 2020
The purpose of this award is to recognize and support the work of scholars working in the emergent field of Trans Studies, broadly conceived. This $200 prize will be awarded to any caucus member whose paper was accepted for the 2020 annual conference and demonstrates potential to advance the field of trans studies. The recipient will be selected by a committee composed of the caucus chair and two caucus members.
The paper will be selected based on the following criteria: originality of topic; quality of analysis and/or methods; potential to contribute to the field of trans studies; integrative analysis of race, class, gender, sexuality, dis/ability, empire, etc.; and clarity and organization.
Submission Requirements
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NWSA Graduate Scholarship
2020 application period is February 1 – June 22, 2020
NWSA will award $1,000 to a student who, in the fall of the year of the award, will be engaged in the research or writing stages of a Master's Thesis or Ph.D. Dissertation in the interdisciplinary field of women's studies. The research project must enhance the NWSA mission. This opportunity is open to current NWSA individual members.
Submission Requirements
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Lesbian Caucus Award
2020 application period was February 2 – June 7, 2020
The purpose of the annual NWSA Lesbian Caucus Award is to provide a $500 research award in recognition of a Master's Thesis or Doctoral Dissertation project in areas of Lesbian, Queer, and LGBT Studies that resonates with the mission of NWSA. The field of the degree is open, but the work should focus on lesbian (defined broadly) lives, identities, or realities and make a contribution to the fields of lesbian and sexuality studies.
Award applications are evaluated on the basis of
Submission Requirements
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This dissertation examines the practices and theology that enable multicultural churches to maintain unity across cultures, while at the same time engaging effectively in mission and experiencing growth. Although the United States is increasingly a culturally diverse nation, only a small percentage of churches are culturally diverse. Although there have been brief forays into multicultural ministry at various times in the history of the nation, such ventures usually were short lived. Recent years, however, have seen the emergence of a number of strong, dynamic multicultural churches. The goal of this dissertation has been to explore the dynamics behind these churches. Chapter 1 of this dissertation explores briefly the historical and social background that makes the topic of multicultural ministry timely and relevant. It examines responses to cultural diversity in society and in the church. Chapter 2, "Theoretical Framework and Research Methodology" introduces the theory that guided the research for the dissertation. The central guiding theory was Berger and Luckmann's well-known work, The Social Construction of Reality, which enabled research to pursue the question of how multicultural churches are constructing an alternative perception and experience of reality wherein the idea of the church as a multicultural family of believers becomes plausible in thought and realized in practice. Chapter 3 "Biblical and Theological Foundations for Multicultural Churches" traces the Old Testament outworking of God's promise to Abraham in Genesis 12:3 that he and his lineage would be a blessing to the nations. Working in the New Testament Scriptures, the chapter observes a dynamic tension between passages emphasizing that reconciliation and unity have already been accomplished in Christ, and those that instruct believers to pursue unity and reconciliation. Observations about contemporary theological reflection on these concerns are also included. Chapter 4, "Practices and Theology of Multicultural Churches" explores what multicultural churches are doing and teaching to maintain unity. Chapter 5, "The Role of Pastoral Leadership in Multicultural Churches" examines the understandings and practices whereby pastors help their membership to accept and embrace as a plausible reality the church as a multicultural fellowship. Chapter 6, "Growth in Multicultural Churches" seeks to answer how churches with culturally diverse memberships are growing. Chapter 7, "Intercultural Sensitivity in Multicultural Churches'' presents the results of the Intercultural Development Inventory which was administered to pastors and members of the churches that participated in the study. Chapter 8, "Summary of Findings" outlines the major discoveries of the research project and offers suggestions for further research.
Publication Date
January 2006
Asbury Theological Seminary
Short, a, Meeting, United, Religious, theology, --, Church, States, Pastoral, Ministry, L, aspects, Mission, culture, 123439882, 50, Chadwick, Milieu, Multicultural, work, Diversity:, Ethnicity, Christianity, Multiculturalism, 2006, Challenge, minorities
xii, 363 leaves ; 28 cm. Includes bibliographical references (leaves 336-363). Old URL: http://ecommons.asburyseminary.edu/xmlui/handle/10910/12085


text: This past weekend was such a growing and learning experience! I attended the Origami Owl GROW Convention in Phoenix AZ!! It's July so it was very hot and we had two days with sand storms but the knowledge that I came away with was life changing for me!! I will be posting more of what went down during the convention, so please-follow me and check out all the new product and exciting new benefits to all Origami Owl Designers (if you ever thought of becoming a Designer, now is the time)


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The person came to Orillia despite having had a problematic encounter, because she was in need of main assistance and heard about me. We could finish up the adequate divorce and unanticipated property division, which had been commenced earlier by attaching Orillia social security and Ontario retirement income due her problematic husband, and we began adequate enforcement of the Orillia support award.
Through our main attempts set started and an adequate income stream started to flow to our Orillia customer. We were also able to defend the problematic woman by her husband to quit urgent support payments from an superb endeavor and at precisely the same time regain a number of the urgent things of very clear personal property which had been given to her by a Orillia court. The Orillia guy credited the urgent retainer which the girl paid at the start of the unanticipated representation. Not still needed to defend herself from a payday loan litigation brought by the Orillia injury lawyer who was demanding money he had.
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We will definitely go back. My mother and Annika need to come.
I created this blog to allow anyone who wishes to follow the life and times of Susan Betke and her family.
Monday, October 29, 2012
On this full moon night I am remembering my day. Two of my girls and I went to visit the grave of my great grandmother. She was the mother of my mother's father. He was her only child. She died earlier in the year of my birth. I never met her. My mother says I have her hands. That I remind her of Ines in my build and the way I carry myself. I am close to my mother but I have never really felt close to anyone in my family on a deeper level. I wish I could have known Ines. I am not 100% about my feelings on the afterlife but Lyn, Eliot and I felt close to Ines today. Eliot especially enjoyed cleaning up her grave and placing items of meaning there. We left a copy of a picture of Ines, her husband, and my grandfather as a baby held down by rocks there along with some wild flowers from our garden. I planted a spring of rosemary behind her gravestone. Maybe it will take root and the groundskeepers will let it grow. It was a very windy day and I was not able to light any candles except for a moment but at least they were lit in memory for a moment. I brought a second copy of the same picture that was left at the grave. I planned on burning it and letting the ashes fall on her grave. The wind did not cooperate. We did get it lit and when the wind finally blew it out we unrolled it and all that was left was Ines. I think I will keep this picture and frame it. I already took this picture and cut her and my grandfather's pictures out and placed them in a locket that I will wear for a while. We also made a rubbing of her name and dates of birth and death. Everyone at work today said she looks like me. It was a very meaningful day today.....
We will definitely go back. My mother and Annika need to come.
We will definitely go back. My mother and Annika need to come.
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Predictive Analytics Symposium
Event Home | Additional Information | Agenda & Recordings | Attendee List |Continuing Professional Development Credit | Hotel Information | Registration | Sponsors
Registration is now closed. The SOA Customer Service Center is available to assist you Monday through Friday, 8:00 a.m. to 5:00 p.m. CDT. Please call +1-888-697-3900.
A new wave of professionals, the data scientists, are pushing actuaries from the coveted top spots on the best jobs lists. In fact, the Harvard Business Review called data scientist "The Sexiest Job of the 21st Century" (October 2012). The good news, though, is that you can be both a data scientist and an actuary-a match that can ensure (or perhaps, insure?) your continued market value in a world increasingly dependent upon predictive analytics.
Commercial conferences on predictive analytics (PA), big data, predictive models, data analytics and similar titles promise wonderful returns for attendees; but they typically focus on manufacturing and other non-insurance applications.
The first annual SOA Predictive Analytics Symposium was organized in collaboration with the Predictive Analytics and Futurism Section. It features multiple tracks for all levels of those interested in PA.
- Beginner/Implementer Track (B/I): A hands-on, productive approach into a classification and regression tree or a random forest.
- Manager/Supervisor Track (M/S): A non-technical look at how PA can help your company, within your specific area of practice.
- Advanced Practitioner Track (AP): A look at cutting-edge techniques, such as deep learning with tensor flow and advanced distribution choices.
Alternatively, a person strong in one aspect of PA but interested in both the breadth and depth of PA can choose to mix and match sessions throughout the symposium.
Whatever your level of interest in PA, as a manager, implementer or practicing expert, this conference will provide you with the knowledge to jump to the next level!
Who Should Attend
Anyone interested in the field of predictive analytics and/or how it relates to the actuarial profession. A mix of sessions are designed for everyone from the seasoned expert interested in leading techniques to someone just beginning to learn what predictive analytics has to offer.
Important Dates
|Early-Bird Registration Deadline
Deadline for Inclusion on Attendee Roster
|Hotel Reservation Deadline
|Handouts Available at
Cancellation Deadline


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Question 1: For my group, the main areas on which I have to work are finding issues on misleading information by small to medium enterprises. My topic is on misleading advertising on UGG boots which is becoming a major concern since the Chinese made boots are being advertised as Australian made to attract more customers.
I will also contribute partly on the methodology and working with another team member, Ying, on the introduction and executive summary.
Question 2: One member, Ying, is working on the section 7.1 which we have as subtitle: Lack of formal ethical code of conduct, the second one, Maria, is working on Frauds, the third one, Phuishan, is working on Ethical dilemma and our fourth member, Danie, still have to come up with an issue. All of our team members will contribute on the methodology and Maria and Phuishan will be working on conclusion and recommendation while Danie will put all our research in a logical manner to create a flow between paragraphs.
As a group, we will screen the whole report and trying to make changes where necessary to get the best result.
Question 3: Increased productivity and performance: – groups that work well together can achieve much more than individuals working on their own. A broader range of skills can be applied to practical activities and sharing and discussing ideas can play a pivotal role in deepening your understanding of a particular subject area.
Skills development: being part of a team will help you develop our interpersonal skills such as speaking and listening as well as team working skills such as leadership, and working with and motivating others. Some of these skills will be useful throughout our academic career and all are valued by employers.
Question 4: I have built basic project management skills. As a team member, I worked together with them towards one direction and polish our management skills. We had deadlines which helped me to undertake responsibility for the welfare of the project.
I built up my interpersonal skills which encloses team communications, document reviews, code reviews, and related interactions about project deliverables.
More importantly I developed conflict resolution skill. Working as a team, there are lots of issues that arise which include team not producing their work by deadline or they want to change their allocated sub-topic. With the help of my team I was able to find solution to overcome these issues by careful listening to other team member issues and helping them in allocation of tasks which they are willing to work on to achieve the best result.
(Kelly, 2018)
Question 5: One of the main strategies is identifying the objective. To function cohesively as team, everyone needs to clearly understand the team objectives. Having a goal set, the team will have a direction and work cooperatively needs achieve the goal by the end of the deadline.
Secondly, communication is a key in successful team building. As team members we should encourage regular communicate with each other. We developed methods to aid in our communication; such as setting up email lists that the members of the team can use to communicate with ease and by Google documents where everyone can see the progress and give frequent feedback on others work.
Thirdly we have promoted the development of cohesive teams by encouraging them to give feedback on the functioning of the other members. People learn through this feedback and can easily do modification within the team; they can act quickly and keep their teams functioning well. (Smallbusiness.chron.com, 2018)
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There isn't a lot that's more frustrating than working on HVAC problems when it's really hot or cold outside. Learning what you can about HVAC units will help you fix them or maintain them. Keep reading and this will help you do this.
If you've been having trouble with an HVAC system, look around your home before calling in people to help. Pay attention to which areas of the house are warm and which ones are cool. You can then relay this information to the technician so that they can more easily figure out what the problem is.
Outside Condenser
Keep outside condenser fans running smoothly by cleaning fan blades and coils before the summer begins. Always turn the unit off before you do anything to it, including leaning. In addition, be sure to get rid of any leaves or other debris that may have accumulated on the outside condenser.
Clean your outdoor condensers often. Excess debris can really affect your system's quality. It may begin to overheat, causing massive damage.
When you mow your lawn, take care that you don't get grass clippings all over your outdoor unit. Direct the grass clippings in a direction away from the HVAC unit. This includes grass clippings and leaves.
HVAC units may suffer when leaves are falling off the trees. The grill on the fan can become cluttered with debris, which will cause a serious operating deficiency. The fan must stay clear in order to function, and if it gets blocked, you will have to contend with problems.
Without the correct information, hiring a HVAC professional might be intimidating. With the right information, it doesn't have to be that bad. Hopefully you are now prepared to take all of this on so that you can work on this if you have problems in the future.
Capstone College
HVAC Training Pasadena, Ca
Call Today: (626) 486-1000 – Capstone College
Monday through Friday: 8:00 am to 6:00 pm: Call for Night Class Hours
1200 N Fair Oaks Ave #32, Pasadena, CA 91103


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Egg Tempera 21 ml (Price Group 2)
9.5 € 11.5 € -Choose color & amount below
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Product description
Egg tempera is a semi opaque water soluble and permanent painting medium wonderful for fine art painting, restoration and icon painting. It is perfect for oil painters who need a highly pigmented, fine art color alternative to oil painting and its solvents. Its archival characteristics are excellent and do not age or yellow like oil paints, as evidenced by lasting luminosity and beauty of Renaissance paintings. Sennelier uses the same premium quality pigments in this line of egg tempera as they do in their oil paints, assuring the same unequaled vibrancy and brilliance as in the Sennelier oils. It is bound with an centuries old egg emulsion recipe, giving a satin-matt finish that is water resistant when dry. Sennelier egg tempera have working qualities and a finish that are only found in authentic egg tempera made in this traditional manner. These delicate colours hold their brush strokes, and do not change when dry. They can be worked with a brush or a palette knife (diluted with water) on non-greasy supports like acrylic primed canvas or paper. Preliminary sketches can be drawn on canvases, followed by oil paints. Pronounced impasto techniques are not recommended for egg tempera. Varnished egg tempera paintings look like oil paintings when varnished. It is recommended to give a finished egg tempera painting a coating of charcoal or pastel fixative before applying a final oil paint picture varnish.
Order information
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Pay with VISA, Mastercard or Paypal.
Sent with DHL within 1-2 business days.
Pay with VISA, Mastercard or Paypal.
Naples yellow - S2 567
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Unfortunately, there is no estimated delivery date.You can order products out of stock, but your order will be shipped first when all items are in stock again.
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Virtual voice assistant is a software agent that helps and assists customers in their daily life and performs several tasks and services. Voice assistant technology is gaining immense popularity, and leading vendors are investing in R&D to tap these opportunities in the global market. The rapid modernization and development of smart devices will augment the growth of the global smart voice assistant speaker market. The most prominent smart voice-assistant speakers available in the global market are Siri (Apple), Alexa (Amazon), Google Assistant (Google), and Cortana (Microsoft). Factors such as increase in per capita GDP, rapid change in lifestyles in emerging markets, and a rapid increase in dual-income households in developed markets are attributing to the revenues in the global smart voice-assistant speaker market. The growing demand of these smart technology from emerging regions such as Latin America, the Middle East, Africa, Central and Eastern Europe, and APAC (excluding Oceania and Japan) will create lucrative opportunities for prominent players in the global market.
The global smart voice-assistant speaker market is projected to reach values of over $4.8 billion by 2022, growing at a CAGR of more than 30% during 2017-2022.
Read the full report on Smart Voice Assistant Speaker Market – Global Outlook and Forecast 2017-2022
Smart Voice-Assistant Speaker Market in North America
The penetration of smart speakers is the highest in North America, and it contributes the maximum revenues in the global smart voice-assistant speaker market. For instance, about 13 million US households had purchased at least one smart voice-assistant speaker until December 2016. The exponential increase in the popularity of smart voice-assistant speakers among end-users is one of the primary reasons propelling the growth of the market in this region. The US occupies the majority of the market share in North America. Canada has not seen any official launch of smart voice-assistant speakers. However, Google Home is set to release in the Canadian market in the second half of 2017. After the recession and economic recovery, the North American market is witnessing an increase in purchasing power thereby, boosting the demand in the smart voice-assistant speaker market. The top companies are investing in the development of advanced technology that helps deliver high performance, is user-friendly, offer reliability, ease of installation, and convenience to end-users. Such initiatives will enable players to attract new consumers and gain a larger market share in the North American region. The North American smart voice-assistant speaker market is estimated to reach values of around $2.4 billion by 2022, growing at a CAGR of approximately 18% during the forecast period.
Factors Attributing to Growth of Smart Voice-Assistant Speaker Market in North America
- Improving employment opportunities and increasing disposable income
- High investment opportunities and availability of resources
- The increasing awareness about smart devices and adoption of smart home technologies
- Improved economic conditions boosted the per capita GDP in the US
- Introduction of new models in the market as per the consumer's lifestyle and preferences
- Increasing brand visibility by distributing through electronics stores and home improvement retail stores
- Growing popularity of smart devices and varied delivery options with the emergence of m-commerce
US Smart Voice-Assistant Speaker Market
The US dominated the smart voice-assistant speaker market in North America with its 100% market share in 2016. The continuous innovation and introduction of new product formats are the major factors propelling the growth of the US in the North American market. Key new entrants in the global smart voice-assistant speaker market are likely to be based in the US. The rapid increase in funding of R&D activities for the introduction of products which are designed to be lighter, smaller, and have differentiated functionalities will create new avenues for leading vendors in the US market. The online channel dominated the smart voice-assistant speaker market in North America compared to retail channels in 2016. However, retail sales will increase significantly due to increasing shelf-presence of these devices in retail stores such as Walmart, Target, and Best Buy during the forecast period. The online sales accounted for about 97% of the overall revenue generation for smart voice-assistant speakers in the US in 2016.
Read: Global Smart Voice Assistant Speaker Market Likely to Post CAGR of 43.7% in terms of Unit Shipment During 2016−2022
The key vendors in the smart voice-assistant speaker market are Alphabet (Google), Amazon, Beijing LingLong, Fabriq, Jam Audio, HARMAN, Invoxia, Lenovo, Mattel, Mycroft, NVIDIA, and Sony.
Related Report
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The eco-friendly PVC zipper slider uses environmentally friendly chemical materials for dyeing, electroplating and painting to minimize trace toxic components. The eco-friendly pvc zipper slider can pass the European standard environmental protection (European standard refers to the European environmental protection standard, the nature of the European standard is the national standard of the member state is consistent with the EN standard, and its related system has the German environmental label certification system). The eco-friendly PVC zipper sliders are the trend of the current era only by constantly using innovative technologies to improve environmental protection processes and producing environmentally friendly zippers.
1. Q: How long will it take to make sample?
A:Normally, it takes three days for sampling.
2. Q: What's the MOQ?
A:For Standard models, MOQ is 1000PCS.
3. Q: How long is your lead time?
A:It is based on the quantity of your order. But normally, our production time is within 7 working days.
4. Q: Can you make products to my order?
A:Yes, we can offer custom-made as per your requirements.


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Faculty Webinar – Introducing the Excelsior CARES Credo (October 23, 2018)
Posted in Faculty Support On October 30, 2018
At Excelsior, we adhere to a set of guiding principles that are collectively known as Excelsior CARES. These principles identify expectations for how we interact with our students and each other and thus shape our environment and influence everything we do. In this special webinar, held October 23, 2018, we discuss the development and implementation of Excelsior CARES, the role of the Faculty Steering Council, and other topics of interest to Excelsior's faculty community. Presenters include:
- Dr. James Baldwin, President
- Dr. Debbie Sopczyk, Provost
- Dr. Laurie Carbo-Porter, Associate Provost for Academic Affairs
- Dr. W. Scott Benton, co-chair, Faculty Steering Council, and Faculty Member serving on Excelsior College's Board of Trustees (Ex-Officio)
- Mr. Todd Kane, Faculty Member
Here is a link to the webinar file (which should play in your browser). Please note that you will need to log into your MyExcelsior account to access the file.


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About Him
Growing up… during a natural disaster in the late 21st century. After the icecaps melted from greenhouse gases, water has drowned entire cities, including Amsterdam, Venice, and New York City. Millions of people have lost their homes and are starving to death. This is why robots like David were invented. They are never hungry and do not consume resources beyond those needed to produce them.
Living… with Monica and Henry Sinton who have a sick boy, Martin. They were devastated when Martin came down with the Sinclair virus and needed to be placed in suspended animation until a cure could be found. To help them cope with their despair, David joined their family. Although it took a while to warm up to him, the Sintons have taken David in as they would another son.
Interests… exploring his feelings. David has intelligent behavioral circuits, using neurone-sequencing technology, that allow him to experience emotions like humans. For a robot like David, these feelings are pretty confusing. He likes the sensation of love, but he is not such a fan of his other emotions including insecurity, jealousy, and sorrow.
Challenge… dealing with sibling rivalry ever since Martin recovered from his illness. He thinks his mother loves Martin so much more than David because Martin is real. David heard his only hope is a Blue Fairy who can make him into a "real" boy. And when he becomes real, David envisions: "Mommy's going to read to me and tuck me in my bed and sing to me and listen to what I say and she will cuddle with me and tell me every day a hundred times a day that she loves me!
Personality… caring and tender. He is a loyal and loving friend – or son – to have. His emotions swing from sheer joy to deep sadness, but his sensitivity is truly endearing. Although he is a robot, David is more real than many humans.
David Swinton's popularity ranking on CharacTour is #2912 out of 5,600+ characters. See our top-ranked characters and read their profiles.
Take CharacTour's quiz to get recommendations for thousands of characters, movies, TV shows, books, and games that are high matches for YOUR unique personality.


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Fun filled week at Art Camp!
Art camp activites
The Excel Art Camp is back this July. The camp is carried out by an experienced and qualified art teacher, guaranteed to be a creative and fun filled week.
The camp will include: painting, clay modeling and lots more! Early booking is advised to secure a place. Suitable for children aged 6- 11 years. Week 1: July 2nd - 6th. Week 2: July 9th- 13th.Special offer - €60 per child or €110 for two children (same family). Ring 062-80520 for more.


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Student Responsibilities
In any case of alleged misconduct, a student has the following responsibilities:
- to know and adhere to the Student Conduct Code and other University policies or procedures.
- to be honest and cooperative throughout the process.
- to attend all meetings as scheduled by a resolution officer.
- to contact the resolution officer to reschedule a meeting in advance if unable to meet at scheduled time.
- to identify witnesses on her/his own behalf and submit anticipated statements to the resolution officer in advance of the conduct meeting. It is the student's responsibility to assure the witness takes part in the conduct process and attends required meetings.
- to complete any imposed sanctions on time and as prescribed in the outcome notice.
- to participate in a manner that is civil and respectful.


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Posts Tagged 'smell me and cum'
I can watch this video a thousand times and still be amused. "A beguile vaginal scent." Don't forget to gently shake the bottle… gotta get all the chunder mixed around to fully release the spectrum of aromas in this "orjianic" substance. "Not a perfume." Click here to watch the trailer… and while you're there, check out the gallery. Rich.


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Samba Begonia Tubers
It's easy to see where Samba Begonias Bulbs got their name. The flowers they flaunt are very reminiscent of the ruffled skirts and petticoats worn by South American dancers in the flamboyant Samba dance. The tropical fruit salad colouring of these fresh and slightly cheeky Samba Begonia blooms, further adds to their exotic appearance. Samba Begonia flowers are doubles and can reach a large 6in or 15cm in diameter when opened fully to reveal their multiple layers of petals. Often likened to carnations, these flowers will attract both onlookers and pollinators such as butterflies and bees. Remember to wet your Samba Begonias regularly, but don't leave them standing in water.


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Most Material Safety Data Sheets (MSDS) use the American National Standards Institute (ANSI) format. It is a voluntary standard. OSHA allows any format for MSDS as long as the required information is provided. Employees must have an understanding of how to utilize MSDS. ANSI uses the following content and format.
MSDS sections ANSI format:
1. Substance identity and company contact information
2. Chemical composition and data on components
3. Hazards identification
4. First aid measures
5. Fire-fighting measures
6. Accidental release measures
7. Handling and storage
8. Exposure controls and personal protection
9. Physical and chemical properties
10. Stability and reactivity
11. Toxicological information
12. Ecological information
13. Disposal considerations
14. Transport information
15. Regulations
16. Other information
This information could be useful to keep in your MSDS binder as a reference. For comprehensive information visit the OSHA Hazard Communication webpage.
This library resource is located in the following industry type(s): Agriculture, Construction, Manufacturing, Safety Culture, Transportation


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Peaking at 1465 m, the Puy de Dome is the jewel of the Chaîne des Puys and a member of the Grand Site de France network.
Climb to the top either on foot or aboard the panoramic train. At the summit, discover the Temple of Mercury, the Clermont Observatory of Terrestrial Physics and a wide choice of activities.
The Panoramique des Dômes
Sit back, relax, and make your way to the summit of the Puy de Dôme while enjoying breathtaking landscapes. Let the panoramic rack railway guide you to the top, as a family or with friends.To the summit
Hiking to the summit
Two paths lead to the summit of the Puy de Dôme, starting from the car park of the Panoramique des Dômes: the Chèvres Trail (4.9 km, 3 hr) and the Muletiers Trail (3.9 km, 2 hr). The first takes hikers to the top along the north face, with stunning views of the Puy Pariou, the Puy des Goules and the Puy de Côme. The Muletiers Trail runs up the south face of the mountain. The path is well-travelled and steep (2.3 km of hiking for an elevation gain of 350 m).
Once at the summit of the Puy de Dôme, you have two options: stroll around the paths or continue to explore. There are three walking paths at the top: Curious, Conquerors and Little Explorers.Breathe
Temple of Mercury
Discover the Temple of Mercury museum. In the same building as the weather observatory, both young and old will enjoy this interactive discovery of the ancient sanctuary of Mercury.Visit!
Looking for thrills?
Take to the skies for the best views of the Chaîne des Puys. Fly over the volcanoes in a plane or a hot-air balloon. Launch from the summit of the Puy de Dôme in a paraglider. Auvergne is the perfect playground for aerial sport enthusiasts and professionals.Take flight
Weather Observatory
At the summit of the Puy de Dôme, discover the Clermont Observatory of Terrestrial Physics, one of thirty stations of reference around the world for observing the evolution of our climate. Open on request for school groups and workshops for "budding scientists".
Looking for more?
Hiking is an exercise in style, anything from a slow stroll to an athletic competition: 100% detox!


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Chinese Cultural Night
CaixaForum Barcelona Av. de Francesc Ferrer i Guàrdia 6-8, 08038 Barcelona
As a complement to its ongoing exhibit on the wonders of the Ming Dynasty, CaixaForum hosts a celebration of Chinese culture. See a traditional dragon drum parade, partake in a Chinese tea ceremony, attend a calligraphy workshop, or learn to cook an authentic Chinese meal and sample a variety of dishes at the cooking show. The event closes with a special performance by the Silk String Quartet featuring traditional Chinese instruments: the pipe, erhu, yangquin and quzheng.


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Three true negative statements:
1. The 1780 text of The Pleasant History of Thomas Hickathrift ends with a poem, spoken by Tom, running in part:
My Friends while I have Strength to stand,
Most manfully I will pursue
All Dangers, till I clear this Land,
Of Lions, Bears, and Tygers too…
Since "this land" is Kent, England, you will perceive that Tom succeeded in his quest.
2. Giraldus Cambrensis, writing in the thirteenth century about the History and Topography of Ireland, says many things that are dubious; he claims, for example, that in Ireland "thunder does not frighten, nor lightning terrify one. No cataracts rush down upon one. No earthquakes swallow one." (This is the Penguin translation.) We can all agree that he is correct in one point, though: "Ireland," he says, "has no dragons."
3. Right at the beginning of Journey to the West (Jenner translation), one monkey brags about how free monkeys are, claiming to be "infinitely lucky" because: "We are spared the rule of unicorns, the domination of phoenixes, and the restraints of human kings." Two thirds of these forms of oppression are not forms I had hitherto been worried about.


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We believe all students should have access to high quality public education. By removing barriers to student achievement, created by social and economic disadvantage, we support students on their education journey and help them realise their potential.
We also support the professional development of principals, teachers and education leaders through world-class leadership scholarships and education programs.
While the Public Education Foundation was established with the support of the NSW Department of Education, foundations and individuals, we now offer a range of national scholarships. We work closely with education departments to ensure long-term, sustainable and accountable scholarship programs that complement education strategies. Our reach continues to expand, both in terms of students and school communities impacted and target areas of need.
We celebrate achievements in public education because we know that Australia's public education sector is delivering high-quality and inclusive education to all young Australians
2019 Impact Report
The 2019 survey found our scholarships:
- Assisted in overcoming disadvantage through alleviation of financial stress
- Allowed students to focus on their studies
- Improved education outcomes
- Improved overall well-being
- Empowered students to take on leadership roles
- Exposed recipients to others from diverse backgrounds


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The Escapist Presents: Which is Better - Pokemon or Papers, Please?
Which is Better - Pokemon or Papers, Please?
It's the developers of Pokemon X and Y versus the indie dev behind the groundbreaking Papers, Please. Who will come out the winner?
New to March Mayhem? Click here for more info and then start filling out your bracket!
Click here to discuss this match up in the forums!
Game Freak is an amazing company and they deserve all the dollars and votes. "Papers, Please" is even disliked by the creator now. Tells you a lot. Probably because he doesn't want to be the Vanilla Ice of video games. He wants more hits that his first one.
"Who would have ever thought that a game about being a border patrol agent checking passports and detaining those trying to cheat the system would be so engrossing?"
I don't know maybe when we get a game that fits the description we can find out.
On a more serious note, Papers, Please is a fairly good game, but it's not the messiah that people are trying to make it out to be. Is it fun? A fair bit. Is it innovative? Making a game like that fun, sure is. Is it noteworthy? Absolutely. But there comes point where things get out of hand. That it beat Bioshock: Infinite and almost beat The Last of Us a few months ago was that point, this is just silly.
Come on Pokemon, I know you can do it! :D


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Girl Friday is dedicated to her post of being the Superheroine of Small Offices Everywhere, but every now and then she needs a break from the rigors of office tedium. The Boss is away for a whole week, which means Girl Friday doesn't have to move at lightning speed or be 10-cup caffeine perky!
Miss Shorty and Girl Friday are cohorts/coworkers in cahoots to play while The Boss is away. Both Superheroines are determined to lower the Stress Level from a boiling "Satan's Stew" to a cool and comfortable "Island Breeze." No more of that supposed Easy Listening Radio poison. No more forgotten coffee breaks. This week there will be mixed CDs o'plenty, latte runs, and leisurely lunches. Not exactly a vacation for two bad ass Superheroines, but who ever said there was rest for the saviors of paper pushers?


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Bronze MemberUsername: Nency
Post Number: 58
Registered: May-09
Here are some general tips:
* Make sure that your speakers are turned off before cleaning.
* Be careful to protect the finish on your speakers, particularly if it's wood. Pledge and other wood cleaners that contain silicone can leave residue in the wood grain. A dry cloth will usually do for simple cleaning, although you can dampen it with water if the job calls for it.
* Spray a small amount of water on a rag and then wipe your speakers, instead of spraying water directly on the speakers.
* For speaker grilles, a can of compressed air or even the upholstery brush attachment on your vacuum cleaner will do. It's usually a good idea to remove the grilles first, if you can, so that you can easily and safely clean both sides of them.
* Every few years, you should unplug and replug the cables that connect your speaker system. This will help keep the connections clean.
* If you notice any build-up on your cables, use a good contact cleaner like DeoxIT


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Regressive Tax With Examples
How Regressive Taxes Increase Your Costs
Taxes are regressive when they impose a harsher burden on the poor than on the rich. In poor families, a larger proportion of their income pays for shelter, food, and transportation. Any tax decreases their ability to afford these basics.
The wealthy, on the other hand, can afford the basics. Taxes decrease their ability to invest in stocks, add to retirement savings, or purchase luxury items. It may affect their standard of living but won't deprive them of essentials.
Key Takeaways
- Regressive taxes place more burden on low-income earners. Since they are flat taxes, they take a higher percentage of income on the poor than on high-income earners.
- Taxes on most consumer goods, sales, gas, and Social Security payroll are examples of regressive taxes.
- Pigouvian and sin taxes are specific types of regressive taxes.
Why Regressive Taxes Impose More on the Poor
The Consumer Expenditures Report found that the lowest-earning fifth of the population spent $26,019 in 2017. Of that, they spent $10,413 on housing, $4,070 on food, and $3,497 on transportation. They only spent $495 on retirement savings.
The highest-earning fifth spent $116,988 a year. Of that, they spent $35,234 on housing, $13,079 on food, and $18,190 on transportation. They spent $17,350 on retirement savings.
The following chart illustrates the typical spending statistics per 20% of the population.
Types of Regressive Taxes
A regressive tax takes a higher percentage of earnings from lower-income people than those with higher incomes. Most regressive taxes aren't income taxes. They take a larger proportion from low-income people because they have less money left over after the tax.
The Institute of Tax and Economic Policy found that the lowest-earning fifth paid 10% of their income in state taxes. That includes sales, property, and income tax. The highest-earning fifth paid around 7% of their income. For the lowest-earning group, most of what they paid was sales tax. For the highest-earning group, most was income tax.
Consumption Taxes
Most consumption taxes are regressive. The only progressive consumption taxes are those on luxury items, such as fine jewelry, yachts, and private jets.
Sales Taxes
Sales taxes are applied as a percentage of the sales price. States apply them to most goods except for groceries, prescription drugs, and housing. Many states also levy them on services. They are regressive because they take a bigger chunk from low-income families. But the omission of taxes on food, shelter, and health costs makes them less regressive.
The Fair Tax
The Fair Tax is a proposed replacement of the income tax with a higher sales tax. It is meant to simplify federal tax collection. It would repeal the 16th Amendment and eliminate the Internal Revenue Service. It would impose a 30% retail sales tax. To make it less regressive, everyone would receive a monthly "prebate" equivalent to the tax on the cost of living at the poverty level.
Flat Tax
A flat tax is an alternative income tax that applies the same rate to every income level. Technically, it's not a regressive tax because the rate is the same. But it does impose a greater burden on poor families. They must reduce spending on the basics to pay the tax. It would help them to increase exemptions and the standard deduction.
Excise Taxes
An excise tax is a flat tax imposed on each item sold. It is regressive because it takes a greater percentage of a poor person's income. It becomes more regressive if it is imposed on goods and services the poor are more likely to use. This is true for the so-called sin taxes that are levied on cigarettes,
alcohol, and gambling.
Cigarette taxes are the most regressive excise tax.
They are levied by federal, state, and local governments on each pack. The cigarette tax is regressive on two levels. First, the tax takes a larger percentage of income. Second, low-income people are more likely to smoke. At least 30% of those earning below the poverty line smoke cigarettes. That compares to slightly more than 15% who earn more than twice as much as the poverty line.
Alcohol taxes aren't as regressive. A 2015 Gallup Poll found that 27% of those earning less than $30,000 reported they drink more than they should. It's not much more than the 24% of those earning $75,000 or more who reported the same.
Gasoline Tax
The gasoline tax is a mildly regressive excise tax. The federal gas tax is 18.4 cents per gallon, while the average state tax is 27.8 cents per gallon. It's regressive because the poor can least afford the tax. But they don't spend much more of their income on gasoline than the rich.
The gas tax is also a Pigouvian tax, with its own set of pros and cons. It covers the cost of road usage since most of the revenues go to highway maintenance.
Tariffs are excise taxes levied on imports. They are regressive because they raise the price of goods and services. The poor must pay these higher costs in the form of higher prices. The United States imposes tariffs on food, manufactured goods, chemicals, and clothing. It waives tariffs on imports from countries with which it has free trade agreements.
Value-Added Tax
The value-added tax is a special type of excise tax. It's like a tariff in that it's levied on imports. The European Union and other countries use it, but the United States doesn't. Since it is a consumption tax, it is regressive.
User Fee
A user fee is a government charge to use public facilities or services. States charge a fee to drive on toll roads. The National Park Service charges admission to its facilities. Some states charge prisoners fees for health care.
Cities charge admission to municipal golf courses and tennis facilities. Cities also charge fees for services, such as building permits, vehicle registration, inspection fees, and zoning hearings. This is a politically acceptable way to raise revenue without increasing tax rates. User fees are regressive because they take a larger percentage of low incomes.
Any other tax that confers an advantage to wealthy individuals is regressive.
Payroll Tax
That includes taxes that are capped at a high-income level. The Social Security payroll tax is such a regressive tax. Employees pay 6.2% of their income. Once they've earned a certain limit, they don't have to pay any payroll tax above the cut-off point. In 2020, the limit was $137,700.
Poll Tax
The poll tax was a flat tax popular until the 19th century. Voters paid fixed fees when they registered to vote. By the Civil War, most states had abandoned them. Southern states reinstated the poll tax after the war to disenfranchise freed slaves and poor whites. In 1964, the 24th Amendment abolished the poll tax.
Article Sources
U.S. Bureau of Labor Statistics. "Consumer Expenditures in 2017," Accessed March 11, 2020.
Institute on Taxation and Economic Policy. "Who Pays? Sixth Edition," Accessed March 11, 2020.
Brookings. "The Pros and Cons of a Consumption Tax," Accessed March 11, 2020.
CDC. MMWR Weekly. "Federal and State Cigarette Excise Taxes - United States, 1995-2009," Accessed March 11, 2020.
Centers for Disease Control and Prevention. "Cigarette Smoking and Tobacco Use Among People of Low Socioeconomic Status," Accessed March 11, 2020.
Gallup. "Drinking Highest Among Educated, Upper-Income Americans," Accessed March 11, 2020.
National Bureau of Economic Research. "Is the Gasoline Tax Regressive?" Accessed March 11, 2020.
EIA. "How Much Tax Do We Pay on a Gallon of Gasoline and on a Gallon of Diesel Fuel?" Accessed March 11, 2020.
United States International Trade Commission. "Harmonized Tariff Schedule," Accessed March 11, 2020.
Governing the Future of States and Localities. "The Risks of Relying on User Fees," Accessed March 11, 2020.
Social Security. "Contribution and Benefit Base," Accessed March 11, 2020.
Smithsonian National Museum of American History. "Poll Taxes," Accessed March 11, 2020.


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The patent, No. 7015824, "Trailer Cargo Detection Using Ultrasonic Transducers," covers a system and method for determining the presence or absence of cargo over the entire interior area of the trailer. In particular, the cargo detector can have from one to three modes including short range, long range, and proximity range, and can detect cargo located flush against a front or rear wall of the trailer, or anywhere in between.
"Delivering innovative solutions for the trailer tracking market is a critical component of our overall growth strategy," said Ken Cranston, President and CEO of Terion. "Our patented Cargo Sensor provides our customers the best tool available to determine the status of their trailers, which is critical to delivering increased efficiency, improved security, and a reduction in the trailer-to-tractor ratio.
About FleetView 3
FleetView 3 is a comprehensive trailer fleet management system that helps transportation companies maximize operating efficiencies. The product communicates real-time trailer location and event status when the trailer is tethered or untethered, and provides an accurate record of loaded or unloaded status by way of a patented Cargo Sensor. Typical benefits associated with FleetView include an increase in trailer utilization and a reduced trailer-to-tractor ratio.
The technology behind FleetView 3 combines a high-bandwidth digital wireless path with intelligent messaging and sensor capabilities. The design also incorporates GPS and digital CDMA cellular technology for seamless coverage. Using patented Terion hardware and software, information is delivered to the user over the Internet and/or through integration with popular dispatch applications. A unique feature to FleetView 3 is that it also supports over-the-air software downloads for upgrades and enhancements -- which eliminates the time and expense associated with taking a trailer out of service.
FleetView 3 can be installed on dry vans, flatbeds, and refrigerated trailers -- which can be monitored remotely.


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Albany Special Needs brought to you by the Internet Chamber of Commerce. Choose a company to see comprehensive business information.
Columbus Community Svc
235 W Roosevelt Ave
More information about Columbus Community Svc
Note: If you are aware of any errors or ommissions on this page, there is a link on each business record's page where it can be reported.


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In regards to my last post… particularly the part where I say " It looks pretty sunny right now so hopefully the weather report was wrong." – yeah… well, actually the weather report wasn't wrong.
I have to admit, it was really really fun flying home in a 10 seater plane in the pitch dark. Since I was sitting in the co-pilot seat I had a great view of black out the front window. Basically felt like we were just going to run into something at any time. BAM… we would all be dead. But nope, we didn't hit anything. And that was only the begining of the fun.
The only thing better than seeing absolutely NOTHING out the front window of the plane was seeing rain clouds zoom by us at a million miles per hour. When our plane started jumping up and down and swaying left to right, and the clouds zooming by suddlenly were going up and down out the side window- I wasn't scared at all. Nope. Not AT ALL. The rain pouring down really loud was not scary either. And I didn't even feel like I was going to barf either… not at all. My hands didnt have red marks from holding on to the seatbelt for dear life. I didn't close my eyes for half the flight either.
I think my favorite part of the whole flight was when the lady behind us started puking. The sound effects and smell really added to the relaxation of the flight.
The 50km hour per winds during landing…. well those were really relaxing and calm as well.
Such a smooth relaxing flight home. Not bumpy or turbulent or scary.
Ok ok I'm lying. All of the above is false. I was scared for my life, I did feel like I was going to puke and I did have marks on my hands from holding on for dear life. Oh- but the lady barfing… unfortunately that is 100% true.
Luckily my fabulous boyfriend is such a good pilot that we all survived the horrific weather. I was very happy to be on the ground and out of the storms. And out of the experience, I got a free hangover for the rest of the night (and I didn't even drink).
Other than the death defying flight home- the night was nice. Went to the wine country, had a nice dinner. It was a cool night out and the best part is that Andrew got paid for us to do it all.
Oh, and then we came home and killed 13 mosquitos in Andrew's room before we went to bed. That was fun too.


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I was out for a walk on the nature trails at Sandbar Lake Provincial Park, near Ignace, Ont., nearly three hours north of Thunder Bay. I had my sister's dog Spyro, a miniature schnauzer, and my dog Puzzle, a Jack Russell Terrier mix, with me. I was familiar with all the trails, and we got to this one little lake that has a rest area and picnic table.
I sat on the picnic table with the dogs beside me. We were looking out at the lake and we couldn't have been there more than a minute or two, when the next thing I knew, I was on the ground.
For a moment, I couldn't figure out what had happened. I was seeing stars, and as I was getting up, I was thinking, "What...?" I would've almost been less surprised to turn around and see someone with a baseball bat.
But when I turned around, a bear was there with his front paws on the table. I was stunned for a second. I froze.
My sister's dog ran to the lake, which was about 20 feet in front of us, and my dog moved to the left. That's when the bear came off the picnic table and jumped on my dog. That's when I woke up and gave the bear a kick. It backed the bear off enough that I was able to grab my dog, scoop up my sister's dog and run into the lake. I walked out as far as I could, and just tried to get my bearings. I was in shock.
I was told later that the male black bear was about 265 lbs. I didn't realize it at the time, but when he knocked me off the picnic table, he had punctured the middle of my back with his four teeth. I didn't require stitches. They just bandaged it up at the hospital. But I think it helped that I didn't know that he bit me because when I eventually found out, even though I was safe at that point, I panicked.
I do a lot of hiking, and you see bears the odd time, but usually they just run off. So once I got in the water, I thought, hopefully, he'd go his own way. But as I waded down the shore, the bear followed me. A few times, he came out toward me.
I was in the water, at certain points, up to my chest, and I had one dog over my shoulder and one under my arm. I had a little pocket knife with me, and I picked up a stick from the bottom of the water.
When the bear swam out to me, I didn't know if I should try to stab him in the eye. But I hit him in the nose with the stick and it stung him, so he turned and went back to the shore.
I yelled for help. But then I realized if someone were to come along, I'd be leading them to a bear. So then I started yelling "bear," too, but it's a pretty quiet trail, so there wasn't a good chance of anyone coming along.
At one point, the bear went into the bushes, and I thought maybe he'd finally decided to take off. I slowly made my way back, but when I got to the picnic spot, the bear came right out again. So I grabbed the dogs and ran back into the water. It was like he was trying to ambush me.
One of the biggest things that helped me that day was having those dogs with me. It kept me focused. I wasn't going to let those dogs go.
I kept moving further along the shore, where there was a lot of taller grass and I thought the bear wasn't able to see me as well. I'd been in the water for about an hour and a half by then, and I thought, "I've got to do something. I can't stay in the water too much longer."
I tried to sneak back to the trail. I knew there was a Junior Rangers cabin not far away, I figured if I could make it there and get inside, I'd have a chance. I started running. I probably ran for five or 10 minutes, thinking, "Maybe this is going to work out."
Then I looked over my shoulder, and sure enough, the bear was running down the trail after me. The dogs were in front and I was telling them to go. When the bear got close, I turned around to face him. I yelled and waved my arms, and I had my knife and stick.
He veered off into the bush, so I started running again. But the bear circled around the bush and came running up to me again. He did this two more times. The third time, he ran straight to me and stopped about six or eight feet away, and began creeping toward me. I was yelling, and figured I'd have to stab him or something. I didn't know what I was going to do.
Then, out of the corner of my eye, my sister's little dog came back, just out of my reach. It was almost like he knew what he had to do. It wasn't like he was trying to attack the bear, Spyro ran up to it. The bear raised up and pounced on him, and took off with the dog.
That's my biggest regret, losing that dog. I was hoping the dogs were going to keep running. They would have known how to get back. But they wouldn't leave me that day.
It was the hardest thing to do, to keep going and run away with my other dog. But I knew I had to. I couldn't chase after the bear. I didn't know if the bear was coming back, and I made it to the Junior Rangers camp.
One of the rangers radioed park officials, and they sent a vehicle in and cordoned off the area. Ministry of Natural Resources and OPP officials came and they ended up setting a trap for the bear. They caught it and euthanized it.
I heard it didn't have rabies but I never found out why the bear was acting so aggressively. The basic explanation was that sometimes a bear, since it's a predator, will stalk moose or other big animals. But it could be just hunger or a bear with a bad attitude.
I still almost don't believe that it happened. I don't know if it's the right way to describe it, but I do get anxiety now. I still like to camp – I don't want to hide away – but it's a lot different. If I'm walking anywhere out at camp, I have bear spray with me. I have a knife and a walking stick and everything. I go overboard now with caution.
I'm getting better, but it's hard not to think that around every corner, behind every bush, there's another bear.
Trevor Miller, 45, lives in Thunder Bay.
As told to Wency Leung


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First-time NBA All-Stars Luka Doncic and Trae Young are slated to headline the Rising Stars game.
The NBA announced the rosters for the Feb. 14 game on Friday, with Doncic and Young — who were traded for each other in a blockbuster 2018 draft-day trade between the Dallas Mavericks and Atlanta Hawks — as the most high-profile of the 20 names on the World and U.S. rosters, respectively. Only first- and second-year players are eligible for the game, and the league's assistant coaches select the rosters.
The top three picks in the 2019 draft — Zion Williamson, Ja Morant and R.J. Barrett — are all scheduled to participate. Morant is the Rookie of the Year favorite, and Williamson recently made his highly anticipated debut for the New Orleans Pelicans after having knee surgery. They will be teammates on the U.S. roster. Williamson was a late addition, replacing injured Chicago Bulls big man Wendell Carter Jr.
Morant will be joined in the game by Memphis Grizzlies teammates Jaren Jackson Jr. and Brandon Clarke. The Charlotte Hornets also placed three players in the game, all of whom will play for the U.S. The Pelicans, Miami Heat and Washington Wizards will each feature a pair of players on the two 10-man rosters.
U.S. Team
Miles Bridges, Charlotte Hornets
Wendell Carter Jr., Chicago Bulls (injured)
Devonte' Graham, Charlotte Hornets
Tyler Herro, Miami Heat
Jaren Jackson Jr., Memphis Grizzlies
Ja Morant, Memphis Grizzlies
Kendrick Nunn, Miami Heat
Eric Paschall, Golden State Warriors
Trae Young, Atlanta Hawks
P.J. Washington, Charlotte Hornets
Zion Williamson, New Orleans Pelicans
World Team
Nickeil Alexander-Walker, New Orleans Pelicans (Canada)
Deandre Ayton, Phoenix Suns (Bahamas)
R.J. Barrett, New York Knicks (Canada)
Brandon Clarke, Memphis Grizzlies (Canada)
Luka Doncic, Dallas Mavericks (Slovenia)
Shai Gilgeous-Alexander, Oklahoma City Thunder (Canada)
Rui Hachimura, Washington Wizards (Japan)
Svi Mykhailiuk, Detroit Pistons (Ukraine)
Josh Okogie, Minnesota Timberwolves (Nigeria)
Moritz Wagner, Washington Wizards (Germany)
Wait, where's Matisse Thybulle?
The biggest snub among the NBA's rookies and sophomores is first-year Philadelphia 76ers wing Matisse Thybulle, an All-Defensive-caliber talent who is shooting 36.6 percent from 3-point range. The 22-year-old University of Washington product is averaging 20 minutes for a title-contending team, including 10 starts.
Each team's staff of assistant coaches submitted a single ballot containing four frontcourt players, four guards and two wild-card spots. The 30 coaching staffs could not vote for players from their own team and were required to pick at least three rookies and three second-year players. Thybulle has played the majority of his minutes as a shooting guard for the 76ers, according to lineup data compiled by Cleaning the Glass.
Ten guards were ultimately selected to the game, five of whom are on the U.S. roster: Graham, Herro, Morant, Nunn and Young. That leaves one open wild-card spot. The NBA did not identify the wild cards, but it may well have been Williamson — a late addition. It is unfortunate for Thybulle, a deserving candidate.
Other snubs include Cleveland's Collin Sexton, Denver's Michael Porter Jr., Miami's Duncan Robinson, L.A. Clippers wing Landry Shamet, Indiana's Aaron Holiday, Milwaukee's Donte DiVincenzo, Portland's Anfernee Simons, Atlanta's Kevin Huerter and New York's Mitchell Robinson. The NBA is in good hands with the amount of global talent — both high-profile and underrated — filling the rookie and sophomore rosters.
– – – – – – –
Ben Rohrbach is a staff writer for Yahoo Sports. Have a tip? Email him at firstname.lastname@example.com or follow him on Twitter! Follow @brohrbach
More from Yahoo Sports


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Tesla Model S practicality & boot space
|Boot space (seats up)
|748 litres
The Tesla Model S is powered by two electric motors; one at the front and another behind the rear seats. As there aren't as many bulky components normally found in petrol and diesel cars, lots of space has been freed up inside.
The Model S will comfortably seat five, and with five doors, access is easy for all. The boot is very large, and bigger still with the rear seats folded down. There's also a compartment in the front of the car where the bonnet would traditionally be: this boosts space for luggage even further.
Tesla Model S interior space, storage & comfort
The design of the Model S allows it to have a flat floor, which means legroom is good throughout.
Headroom is more than adequate, but if there's one area the Model S falls slightly short, its interior storage: there's a glovebox, cup holders and a central storage compartment in the front, but little else.
Boot space
With the rear seats up the boot measures 744 litres, and with the rear seats down this rises to 1,645 litres. Don't forget to factor the front storage compartment into the equation too, which adds another 150 litres to the total.
There isn't much of a loading lip, which means shopping should be easy to load into the back. The seats don't fold flat, but given the amount of space on offer, this shouldn't be too much of an issue.


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Asadi is a relatively new electronic musician who EDM.com calls the progenitor of "Persian Trap Music," as he tends to combine his parents' old Persian music with modern trap beats. Sounds cool, but that's not why we're here today.
Asadi's skills have also netted him some viral fame, as he's known for throwing fresh, EDM-inspired spins on stuff like the theme songs to Rugrats and The Office. Here he has done it again, this time with the Harry Potter theme.
Remixes such as these are a dime a dozen on YouTube, but Asadi clearly has some raw talent. You can even watch his fingers fly across the board in the upper right hand corner, should your eyes be able to keep up.
[via Digg]


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Street Cat Bob and James, stars of bestselling A Street Cat Named Bob and The World According to Bob that touched millions around the world, spend a cold and challenging December on the streets together in a new adventure. From the day James rescued a street cat abandoned in the hallway of his sheltered accommodation, they began a friendship which has transformed both their lives and, through the bestselling books A STREET CAT NAMED BOB and THE WORLD ACCORDING TO BOB, touched millions around the world.
In this new story of their journey together, James looks back at the last Christmas they spent scraping a living on the streets and how Bob helped him through one of his toughest times - providing strength, friendship and inspiration but also teaching him important lessons about the true meaning of Christmas along the way.
- 9781473605787
- Autor
- James Bowen
- Kód zboží
- 165514
- Počet stránek
- 192
- Rozměry
- 21 x 146 x 219