text:
Wirefly helps you save on cell phones and plans by offering innovative comparison tools so consumers can make educated choices. Start saving today with Wirefly!
Wirefly helps you save on Internet service by offering innovative comparison tools to compare Internet providers in your area.
Test your current internet connection with our speed test and see what services your provider can handle. Find out your download speed, upload speed, latency, and more.
Test Your Internet SpeedInternet Speed Test
Homeownership is a dream that many individuals have. When it's time for them to purchase a house, there are many details that are involved with the process. One of these details is obtaining a home loan. The majority of individuals who purchase a house need some type of help in financing such a large sum of money. One aspect of a mortgage is the interest rate that a person will pay throughout the life of a loan. With such a large amount of money at stake, dropping the interest rate as little as a quarter point can save a home buyer thousands of dollars, depending on the size of the loan. This is why it pays to compare mortgage rates in New Lebanon, OH. It broadens the chance of paying a lower amount for a mortgage loan.
Buying a new home is an exciting experience. However, in order to finance the purchase, most people need a home loan. Homes vary in price, but even to purchase the lowest-priced home, it will be very difficult to pay in cash, so you will need a loan. It is important that you know what you need to do to get the best mortgage rates and what determines your rate. You want to get the best rate possible when looking for a mortgage loan. Here are the steps you need to take when you apply for a mortgage to ensure that you will get the lowest rate. There are numerous lenders that offer home loans, and when you find the perfect home, your real estate agent will probably recommend a lender. However, do not put too much stock in that suggestion; you need to compare on your own. Your agent wants to close the deal as quickly as possible, and getting a home loan can be a complex process, especially if you are buying a home for the first time. Homes are such a huge investment, so you need to take your time while getting a loan. You can search for a loan with your local bank, or you can choose a premiere online company. You can compare rates online, so make sure you take advantage of that. Wirefly has a mortgage rate tool that can help you find the lowest mortgage rates in New Lebanon, OH. To get the lowest rates, you want to make sure you have a good credit score, so you want to get your score as high as you can before you apply for a home loan.
For homebuyers in New Lebanon, OH, there is an assortment of mortgage options available. These types of loans are created to suit all sorts of different needs. Here are a few of the most common types and who they will work the best for.
Adjustable Rate Mortgage Loans: These loans are also known as ARMs. The interest rate on these New Lebanon, OH loans can change over time. In general, the interest rate will fluctuate every year after an initial fixed interest period. This is known as a hybrid product because it starts with a fixed interest rate and switches to a variable interest rate.
Fixed Rate Mortgage Loans: These home loans have the same interest rate for the duration of the loan agreement. If you obtain a fixed interest loan in New Lebanon, OH, your monthly payments will remain the same every month until the loan is completely paid off. This fact does not change even with long-term loans, including a 30 year fixed rate loan. The interest rate and monthly payment amount do not change for the whole term.
Besides conventional loans, government loans are also available in New Lebanon, OH. These type of home loans are backed by the federal government. Because these loans are subsidized by a government entity, a lender faces less risk if a person were to default. The main aim of government loans is to create a more affordable option for households with lower incomes and for first-time buyers who have smaller down payments. Three types of government loans are available through lenders. These include FHA loans, VA loans and USDA loans.
FHA loans in New Lebanon, OH are typically sought after by first-time homebuyers. However, they are available to any type of borrower. With an FHA loan, a borrower only has to fund a down payment that's as low as 3.5 percent of the total mortgage. This allows individuals with less available cash to enjoy the perks of being a homeowner. However, it also means that they will be paying insurance for the privilege of doing so.
If you are looking to refinance your home in New Lebanon, OH, it is essential to comprehend that you are actually applying for a brand new mortgage. This means that closing costs may be your responsibility upon approval of the application. If you are hoping to decrease your interest rate by refinancing, you should evaluate whether the extra fees will negate any savings you gain from refinancing to a lower interest rate.
There is an exception to this rule if you are refinancing from an adjustable rate mortgage to a fixed rate option. Since rates are almost guaranteed to increase in the future, a fixed rate loan protects you against rising interest rates. For individuals searching for the best interest rate on their mortgage, it is crucial to be deemed 'low-risk' by lenders. The best way to achieve this status is by maintaining a credit score over 700 and keeping a low debt-to-income ratio. However, even if you fail to meet the most strict standards, you may still qualify for an excellent mortgage rate in New Lebanon, OH.
Wirefly offers great deals on a large selection of smartphones, cell phones, tablets, mobile hotspots, and other wireless devices for the nation's most popular carriers. Use Wirefly's innovative cell phone and plan comparison tools to ensure you are getting the best deal on the market. Shop with confidence knowing that Wirefly wants to help you find the best prices on cell phones, cell phone plans, TV, and Internet service.


text:
Links to Digitized Collections That Include
Portraits of Petaluma Pioneers
The Boggs Family Photographs
A collection of photographic prints of the Boggs family, the Petaluma Adobe and information regarding the family's stay at the adobe the winter of 1846-47
The Cabinet Card Gallery, Viewing History, Culture and Personalities Through Cabinet Card Images
A popular blog containing an extensive collection of captioned cabinet cards
California Historical Society: Online Catalog
The CHS lists 8 portraits from Petaluma.
The Carl Mautz Collection of Carte de Visite, The Huntington Library, Art Collections and Botanical Gardens
Carl Mautz' extensive collection of CDVs is owned by the Huntington but is not currently available for research. The collection contains many images by Petaluma photographers, and hopefully it will be made available to the public soon.
The Charles Martin Family Portrait Photographs
A collection of 60 photographic portraits of the Charles Martin family
The Giorgi Portrait Collection of Stockton Pioneers
A collection of early Stockton California pioneers portraits including photos by John Quincy Reed and other photographers who worked in Petaluma
The Grabhorn Collection of Nineteenth Century Photographic Portraits & Calling Cards
A collection of approximately 1000 photographic prints and 9 cased photographs housed at the Bancroft Library, University Of California, Berkeley
Peter E. Palmquist Collection of Male Photographers in the American West Yale Collection of Western Americana, Beinecke Rare Book and Manuscript Library
This exceptional and extensive collection contains more early Petaluma portraits than any other outside of the Petaluma Historical Library & Museum.
Portrait File of the Bancroft Library
Portraits of identified individuals and groups primarily associated with the San Francisco Bay Area, including pioneers, artists, literary figures, community leaders....
San Francisco History Center Collection of Cartes de Visite, The April (Wayne) Portrait Photograph Collection
A collection of carte de visite from the San Francisco Bay area and beyond
San Francisco History Center Cabinet Card Collection
This is a collection of over 300 cabinet cards mostly from San Francisco studios. Images from Petaluma include three by Anderson: one unidentified, one depicting Annie Pixley and a third depicting L.P. McCarthy & Wm. H. Barnes; one by Dowe, subject unidentified; one by Ormsby, subject unidentified.
The Sonoma County Library Photograph Collection, Sonoma Heritage Collections
This is the extensive photographic collection of the Sonoma County Library's History & Genealogy Library, Petaluma History Room, Sonoma County Wine Library and other, smaller archival collections.
Search this website also using this link:
http://heritage.sonomalibrary.org/cdm/search/collection/p15763coll2/ searchterm/Petaluma%20Portrait/order/nosort
The T. P. Peter Image Collection
A personal image collection of approximately 20,000 + cdv and cabinet cards
The William C. Darrah Collection of Cartes-de-visite Pennsylvania State University Libraries, Special Collections Library, Historical Collections and Labor Archives
This collection includes 62,608 CDV images; 15 were created by Petaluma photographers.

subset: commoncrawl


text:
I was under the weather the other week, but decided to push through and ensure a couple of key training sessions I was giving occurred as scheduled. By the end of them, I had lost most of my voice and was considerably worse off than when the week had begun. So I decided that my first priority was to rest my voice, and so I took a self-imposed "vow of silence" for a 24 hour period.
This was an interesting experience. First of all, it was difficult to even remember not to talk sometimes! But it also reminded me of how much we rely on words to get our points across or get things done vs. other methods. For example, when the dogs went to go bark at the mailman, you couldn't yell at them to sit and be quiet. You had to find another method not involving your voice that they would understand. Usually, it was a much calmer method than yelling. Cesar Millan would be proud!
Also, it meant when sitting at the dinner table I was able to simply listen to the conversation between my wife and kids, instead of trying to think about how I was going to respond. Or when we were playing a board game I could just sit and watch as the kids took their turn and enjoy how much they were learning and growing instead of trying to make small talk.
How does all this relate to Lean thinking? Well as I sat there in my small world of silence and ridiculous hand gestures, my mind drew parallels to two concepts – standing in the Ohno circle and listening to the Voice of the Customer.
Standing in the Ohno Circle
As Yogi Berra once said, "You can observe a lot by just watching". Early on in my lean journey I remember reading about or hearing about the concept of standing in the Ohno circle until you were able to see waste and come up with improvements to eliminate it. When we were first learning about what waste was, we went out to the machines and observed what was going on, coming up with examples of all the types of waste. We were developing our capability to see, and there were plenty of waste examples to go around. But you didn't interject yourself into the process, didn't go fix something you saw right then and there without understanding the cause – you simply observed and built a deeper understanding of how the process functions.
It is a little bit harder to stand in a circle in an office environment. If you draw a circle in the hall, you'll probably write down lots of examples of copier waste, walking back and forth between meetings, having to get up to get a drink of water or hit the restroom… things that may not be all that useful for driving results with lean transformation. But I've found it very effective if I actually sit in with someone in their office and simply watch them do work and have them describe what they are doing, asking "why?" every once in a while. Even simple tasks such as observing them writing an email and asking why they need to write it to get information they should already have reveals gaps in the business process. Or perhaps you shadow someone for a few hours, sit in the meetings they sit in, and record all the forms of waste you see, including how many meetings don't result in any actual actions or decisions.
Usually if you are standing in a circle on the shop floor, there is room somewhere for you to be out of the way and slightly more inconspicuous than if you are sitting in a cube looking over someone's shoulder. It can be a little uncomfortable at first, both for you and the employee. But this is where the work is done, this is where the time is spent, and this is where the waste occurs that you need to be identifying and striving to eliminate. So maybe it should be difficult and uncomfortable – if it was easy to see, someone probably would have already improved it.
Listening to the Voice of the Customer
What is value-added through the eyes of the customer? Knowing this is what drives us to improve our processes, because everything that is not value-added in the eyes of the customer is waste – and why would we want to keep producing that? It isn't always easy to hear the voice of the customer, because we don't always listen when they talk to us. Many times I have seen people receive feedback from a customer but during the discussion defend the way things are done currently, tell them why they can't give them what they want, offer potential band-aids to some of their concerns, and even direct the problems back onto the customer and try to blame the problems on them and their demands!
Is some of that justifiable? Sure, maybe, in some sense. But the key here is that obtaining the customer's feedback in order to understand what they are thinking, what they value, and what they wish you could deliver to them should be the objective of the conversation. Shelve the notion that you need to deliver a solution to them that very minute. Shelve your pride and try not to defend why things are the way they are. Try not to interject yourself into the conversation other than to steer it and to ask questions that probe deeper into their needs. Remember that your goal is to listen, to hear, and to understand, and to take that feedback, reflect on it, and determine if there are reasonable things you can do to improve on what the customer values.
It's nice to have my voice back now, but maybe I'll have to schedule myself to take a short vow of silence every once in a while just so I remember how to listen.


text:
What a gay day. In every single conceivable way imaginable. Not only is it beautiful and happy, the sun beating
Death is always going to coerce something poetic from humanity. It's the most mysterious yet inevitable aspect of life. No one knows how death is going to echo on after our life ends. No one


text:
The 2007 Campus Computing Survey/
IT Security and Crisis Management Pose Continuing Challenges
IT security and crisis management present continuing challenges for college and university officials according to new data from 2007 Campus Computing Survey. The survey data reveal solid improvements in some areas but continuing problems in others. For example, just three-fifths (59.1 percent) of the institutions participating in the 2007 survey report a strategic plan for IT disaster recovery, up slightly from 2006 (55.7 percent) and reflecting only modest gains from 2004 (55.5 percent) or even 2002 (53.0 percent).
The good news is that the percentage of campuses reporting hacks or attacks on campus networks continues to decline, down to 45.6 percent in 2007 from 51.1 percent in 2005. Similarly, fewer campuses report major problems with computer viruses (14.8 percent, compared to 35.4 percent in 2005) and spyware (15.9 percent, compared to 40.8 percent in two years ago). But the incidents of stolen computers with sensitive data increased slightly from 2006 to 2007 (17.1 percent in 2007, compared to 13.5 percent in 2006 and 15.3 percent in 2005). And although the numbers are generally low (under 15 percent), more campuses report student security incidents linked to social networking sites such as Facebook or MySpace (13.2 percent in 2007 vs. 9.8 percent in 2006) and institutional data security due to data loss on a server not under the control of central IT services (14.6 percent this past year, compared to 11.3 percent in 2006). A new item on the 2007 survey reveals that 6.5 percent of institutions experienced an IT security incident this past year due to an intentional employee transgression.
Additionally, in the wake of the tragic events at Virginia Tech in spring 2007, many campuses are moving quickly to expand and enhance IT and communication services and resources as part of a broader IT and campus crisis management plan. As of fall 2007, more than two-fifths (44.0 percent) of institutions report a strategic plan for emergency communication or notification services. Yet for most institutions, the key elements of the emergency communication/notification plan appear based to be existing IT resources such as email (66.4 percent), campus web sites or portals (62.6 percent), and campus phone services (44.6 percent). Although there are some variations by sector, comparatively few institutions have emergency communication plans that incorporate notification to off-campus phones (18.0 percent) or cell phones (22.1 percent).
The 2007 survey data suggest that many campuses have "gone to the closet" to see what resources might be at hand in their efforts to create a notification system: across all sectors, the highest numbers for the functional components of the notification plan as of fall 2007 are (not surprisingly) posting messages on campus portals, sending email, and using the campus phone system. Comparatively few institutions have the capacity to provide notification messages to off-campus phones and to cell/mobile phones.
Six years after 9-11 and two years after Hurricane Katrina ravished the Gulf Coast area, a significant number of colleges and universities have yet to develop a strategic plan for IT disaster planning and crisis management. As for fall 2007, roughly 30 percent of public universities, private universities, and public four-year colleges report no strategic plan for IT disaster planning, rising to just over half of private four-year colleges. Given what we know about these events – that it is not necessarily matter if a crisis strikes but more likely when – it is striking and surprising that so many campuses have yet to develop an initial IT crisis management plan, let alone revise plans that may now be two, three, or four years old.
"The 2007 survey data confirm the continuing security and crisis management challenges confronting campus IT officials across all sectors of higher education," says Kenneth C. Green, founding director of The Campus Computing Project and a visiting scholar at the Center for Education Studies at the Claremont Graduate University in Claremont, CA. "Two years after Hurricanes Katrina and Rita and six years after the 9-11 attacks, it its still surprising that so many colleges and universities - approximately 40 percent - have yet to complete or update their IT disaster plans. Additionally, and not surprisingly, recent events at Virginia Tech, Delaware State, and other institutions have created new expectations, or in some cases new mandates, regarding emergency notification services that will now need to be incorporated into these campus plans and procedures."
Although IT security issues pose continuing challenges for campus IT officials, the proportion of CIOs who identify IT security as the "single most important IT issue affecting my institution over the next two-three years" declined slightly in 2007 to 25.5 percent, down from 30 percent in both 2005 and 2006. Ranked second in 2007 is "upgrading/replacing administrative IT/campus ERP systems" (13.0 percent), followed closely by "hiring/retaining qualified IT staff" (12.3 percent). The ERP upgrade/replacement issue moves from third in the 2004-2006 surveys to second in 2007, replacing "the instructional integration of information technology." The new concern about hiring suggests the growing competition for qualified IT talent in the campus and corporate sectors.
Wireless campus networks now reach two-thirds (60.1 percent) of college classrooms, compared to half (51.2 percent) in 2006 and just a third (31.1 percent) in 2004, according to the 2007 survey data. Additionally, more than three-fourths (76.7 percent) of the campuses participating in the annual survey have a strategic plan for deploying wireless as of fall 2007, up from 68.8 percent in and 55.3 percent in 2004. By sector, the proportion classrooms with wireless access ranges from over two- fifths (44.4 percent) in community colleges (up from 26.8 percent in 2005) to more than two-thirds (69.8 percent) in private research universities (up from 52.8 percent in 2005 and 47.4 percent in 2004).
"Wireless can be a wonderful resource for everyone on campus," says Green. "It fosters access, mobility, and collaborative work among students and faculty." But he also notes there is continuing evidence of backlash against wireless from some faculty who would prefer that students not hide behind their computer screens during class. Additionally, Green comments that the arrival of the Apple iPhone and other Wi-Fi phones and PDA devices will present new challenges for campus IT officials and new demands for access to the campus network from students, faculty, administrators and staff who will come to campus with these devices: "To date campus IT officials have preferred not to deal with mobile phones and PDAs on campus networks. That will have to change with the arrival of a new generation of network compatible phones and PDAs in the coming year. "
The 2007 survey data point to little change in the orientation towards Open Source applications among senior campus technology officers first reported in 2004. Almost three-fifths (57.3 percent, compared to 51.9 percent in 2004) agree that "Open Source will play an increasingly important role in our campus IT strategy." However, less than a third of the survey respondents (27.6 percent, compared to 28.9 percent in 2004) agree that Open Source "offers a viable alternative" for key campus administrative or ERP applications such as student information systems, campus finance systems, or personnel/human resource software.
Yet even with the continuing "affirmative ambivalence" about Open Source among many campus IT leaders, the 2007 survey data document key gains for Open Source applications, specifically Open Source Learning Management Systems (LMS). A growing number of colleges and universities have made an Open Source LMS their campus standard. The proportion of institutions that have established Sakai as the campus standard LMS remains steady at approximate 3 percent, while the proportion using Moodle as the campus standard LMS almost doubled between 2006 and 2007, rising from 4.2 to 7.8 percent over one year. Moodle is particularly popular among private four-year colleges: almost one-fifth (17.2 percent) of private four-year institutions have made Moodle the campus standard LMS, up from 10.2 percent in 2006.
"There is ample of evidence of growing interest in and the slow but rising deployment of Open Source applications," says Green. "The recent gains for Moodle and Sakai are very interesting, suggesting that ten years after the deployment of the first commercial LMS applications, campus officials and faculty advisory committees are reviewing seriously the various LMS offerings from both commercial providers and the collaborative Open Source movement."
The 2007 survey brings new data to the discussion of how campus officials are addressing the problem of peer-to-peer (P2P) downloading of music and movies on campus networks. As noted in past surveys, the vast majority of colleges and universities (82.9 percent) have campus policies to address inappropriate P2P downloading. The 2007 survey provides new information about the campus procedures that enforce these policies. More than two-thirds of institutions (70.5 percent) report that students can lose their campus network privileges for P2P violations, while almost half (45.9 percent) impose other kinds of sanctions for inappropriate P2P activity. Almost of a third (29.1 percent) of colleges and universities have installed some type technology product as part of campus efforts stem P2P piracy on campus networks, while 12.8 percent now have mandatory user education programs to inform students about copyright and P2P issues.
"The 2007 survey data confirm that colleges and universities are making significant efforts to address the problem of P2P piracy on campus networks," says Green. "Unfortunately, some critics will point to the survey data to argue that campuses are not doing enough in this area. But the fact remains that colleges are universities are far more conscientious, indeed far more aggressive about addressing P2P piracy issues than are the consumer market broadband service providers such as AT&T, Comcast, Earthlink, and TimeWarner. Colleges and universities are engaged in user education and are imposing sanctions for P2P violations. Additionally, many institutions are spending significant sums to deploy software that providers claim will stem P2P downloading. Yet we know that the proposed P2P software solutions are far from perfect, as was acknowledged in recent congressional hearings."
About the Campus Computing Survey
Begun in 1990, The Campus Computing Survey is the largest continuing study of computing and information technology in American higher education. The survey data are based on the responses provided by senior campus officials, typically the senior institutional technology officer (CIO/CTO, vice president for information technology, etc.). The 2007 survey report is based on data provided by campus officials representing 555 two- and four-year public and private colleges and universities across the United States. Survey respondents completed the online questionnaire during September and October, 2007.


text:
Charles Darwin is a celebrated English naturalist and explorer whose theory about man's evolution has gone viral. In fact, his textbooks are also historical records of what he calls the prehistoric times of mankind. In his theory, all species of life descended over the times from a common ancestors. He also argues that the branching pattern of the evolution is an aftermath of a process called natural selection in which the species' struggle to exist resulted in its selective breeding. Contrary to this, the evolution of the internet is not as argumentative as this. In fact, over time, man has devised a more uniform history of how this internet technology came to be. 1950's: The Conception The internet, at par was designed to generally connect
Monthly Archive:: July 2013
Whether you are a swinging single professional, a newly married couple hoping to put down roots or expecting your first child and are in need of more space, buying your first home is both exciting and daunting. This is the biggest purchase you will ever make and the longest financial commitment you will ever take on—30 years in most cases. Buyer's remorse is all too common, and while there are no guarantees against it, there are some ways to minimize the risk. Here are some important considerations to help you in making this important decision. Crunch Those Numbers No one knows your finances better than you do, and just because you qualify for a certain amount of money on a pre-approval, does not necessarily mean
No software developer likes limitations, so finding the right cloud host provider that facilitates "out of the box" solutions is necessary for killer, innovative apps. Even if the developer is a coding whiz kid, there is always that time when a little help from other developers is needed. If you choose the right host provider, the host will have developer support for any language. Microsoft .NET and PHP are common, but what if you want to build the next mobile phone app? The developer needs to know Java for Android and Objective C for Apple products. The best cloud host has a variety of developer skills, so any language can be supported. Resources for Developers It's not enough just to offer phone support from other developers.
Every businessperson has an idea of what attributes a successful entrepreneur possess. Through personal experiences and professional relationships, you begin to develop your own definition of what an entrepreneur does, the qualities needed to be effective, as well as the means by which the entrepreneur is successful. This in part aids in defining the characteristics a successful entrepreneur possess by which you model your behavior and approach. In your analysis you may discover these characteristics are needed to withstand the toughest times while being able to capitalize on opportunities during prosperous seasons. Characteristics of an Effective Entrepreneur An entrepreneur has a key responsibility in the organization and management of a business. Due to the risks involved in taking on business operations, entrepreneurs must possess a combination of
When looking for a new PC for their home or business, many people are now opting for to look for refurbished Macbook Air and Macbook Pro Deals. There are of course many benefits to choosing refurbished over brand new but for many people, the quality of refurbished products, together with the financial savings are all the convincing they need. However, if you've decided that refurbished Macbook Air and Macbook Pro deals are the best option for you then there are a few ways to ensure that you get the best deal, both practically and financially. Research There is no doubt that when it comes to any kind of technology, Apple pretty much rules the roost. However, there are also critics of the company too. From
When it comes to cloud computing services, many business owners find certainties as elusive as real clouds. They read the studies that say they can save time and money with cloud storage providers, and yet without a firm grasp on the services and expenses involved, many cloud users end up overspending and getting discouraged about the benefits they've been led to believe the cloud services will bring to their companies. Like any new venture, perfecting cloud services requires some trial and error, but a few rules can help you compare costs and determine the best plan while staying on budget. Starting Out You're most likely to overspend when you first start using cloud services, yet it's a good time to do so. If you're planning
According to Forbes Magazine, video marketing is the future for 2013 and beyond. Google, Bing, Yahoo!, Ask, and all the other main search engines have begun to give increased weight to websites with relevant video content. If your website has a video about your brand, product, or identity, then you will automatically rank higher on search engines. With millions of other brands and pages all vying for the top spot, it is no surprise that so many people are turning to video marketing to increase the rank of their websites. While video marketing can be a highly effective way to promote yourself or your brand, if your target audience cannot even see your video, then your time and efforts spent making the video will be
Search engine traffic is a non-intrusive method of Internet marketing. The concept behind Search Engine Marketing (SEM) is based on the searches entered by a user on the Web through either a text box or by clicking through a directory hierarchy. This "hunt mode" means that the searcher may very well be somewhere in the buying cycle, something marketers want to capitalise upon. They want to tap a searcher at the exact moment he is seeking some knowledge or solution. They want to effectively use both paid and organic SEM. Their attempt is to benefit from a dialogue with a searcher; whether that searcher is facing a crisis, is in need of information, or is ready to purchase. SEO, an art of optimising a site
When you're slaving away at an unfulfilling job, freelance work is the greener pasture. Away from demanding and unappreciative bosses, grueling hours and endless busy work, everything will be perfect, right? Well, maybe. Freelancing is a great option for many, but only if they're aware of what they're getting into. Make note of these issues, and plan to avoid them before they steal your freelance dreams. No Guarantee of Steady Work Image via Flickr by Martin Terber When you work for an employer, all the legwork of bringing in business falls to them. Freelancers aren't just responsible for doing the work, they're also in charge of finding clients, negotiating fees and keeping clients happy. Many people who excel in their jobs aren't savvy at
It's easy to take memory storage systems like writing for granted, but thousands of years ago, human beings had to rely on impressive feats of memorization to retain information. Back then, if you wanted to have access to a poem, for instance, you'd either need to memorize it yourself, or else find someone who had already stored it away in their heads through painstaking practice. Given how much data we all process these days, that sort of memorization is no longer an option. Nobody can remember everything, and luckily, we don't have to! We have come such a long way when it comes to the technology of recording our thoughts that our smartphones now work as a kind of external storage for our brains. Regardless
It is a natural instinct that we always incline to the products that sells with fabulous offers and discounts. Be it a product or a service, everyone wishes to make a profit or a gain out of it. CDs and DVDs has become the trend in today's era that releases various types of media files in the market. It is seen that there is a high demand for the CD market, especially in the music industry. CD Duplication is an essential task for the media companies, musicians, music bands and similar professionals into this industry. Hence, they look for the companies that offer discounts and offers to get affordable service at reasonable cost. Whenever one hear about cheap CD Duplication services, one jump to rely
As your business grows, you may find services and devices you once used no longer fit your technological needs. You also may realize it's time to upgrade your computer operating system, find new payroll software and revisit whether your website can handle all your increasing traffic. Because your website is so important in raising awareness of your brand – and in generating leads or sales – it's critical that you have a reliable domain registration provider. That's why you may want to consider upgrading from a free domain registration provider to a professional service that understands how to protect your domain name. To transfer your domain registration, follow these 3 key steps: Search for a Reputable Provider. Talk to other small business owners you know
Use of automated answering machine is probably one of the worst modern business practices that any firm can adopt. Many potential clients and customers are usually turned off when they call a certain business and all they get is a machine response where they have to press certain buttons for information on various aspects of the company or the company's products. You could lose a lot of potential clients or even your existing clients if this is what you do. Nowadays, many customers prefer to have one on one contact with a representative of the company when they make a call to a company. It is therefore necessary to have messaging services for your company around the clock since there will be clients and potential
If you are lucky enough to have a company car as part of your job then you'll already know that you can't always drive it exactly as you like. What is the company policy? Before you drive your company car you should familiarise yourself with you company's policy on company cars. You'll need to take into consideration things like: How many miles you are allowed to drive? Insurance restrictions Where you are allowed to drive? What should you be using the car for? These vary from company to company. Some might charge for extra miles travelled, others might not let you do anything other than drive the car to meetings. Obey the Highway Code This should be obvious but a lot of people take advantage
Many educationalist today, vote against the implementation of online teaching techniques and modalities in the education system as they consider the offline education models and policies to be more credible and trustworthy. Though there are a good number of people who stand against the integration of online teaching techniques in the education system, you cannot deny the benefits which are offered by online education. Today, most of the courses are being offered online and most of the students prefer to undergo distance learning courses instead of classroom teaching as it provides them an opportunity to invest time in other things of their interest. The implantation of technology in the education system has changed the way teachers impart knowledge and education to the students. The students
The cloud offers ease of configuration, use and maintenance running your own offers flexibly in configuration, software version and optimization — and this is especially so for databases. A database running in the cloud is simply that — it is a database that a user has implemented within a cloud environment to use, typically in software development projects. There are two common cloud database deployment models: you can run databases on the cloud independently, or you can buy access to a database service. A database service is a commercial service that is available on the public market based on a multi-tenancy (or shared service) model, in the words of Judith Hurwitz, President and CEO with Hurwitz & Associates, a consulting firm that focuses on how technology solutions
When you consider launching a new brand, one of the first things you should think about is the domain name you'll use. But, choosing that name isn't as easy as it might seem at first. You'll want something that's easy for consumers to find, so avoid more than one dash in a URL. Similarly, consider spelling. It might be cute to intentionally misspell something to make your name a little more unique, but if it means consumers can't find your brand, you're going to miss out on a lot of business. However, there are a lot of myths and half-truths surrounding the process. You may think you know everything about domain registration already, but have you considered all the facts? Here are the three biggest
One of the most popular and result yielding career paths in modern times happens to be Search Engine Optimization (SEO) marketing. Those who are into digital marketing and the internet will fancy this career choice the most. However, it must be noted that not everyone is cut out to be a search engine optimization executive as you will be requiring few skills. Here are some tips to help you decide if you're cut out for a role at an SEO company. Writing If you happen to show proficiency in writing, then working with Google, Bing and Yahoo is probably for you! You will need to exercise top-quality writing skills while generating content. You need to understand that the number one reason content fails to rank
Every day you hear about a new major corporation jumping into cloud computing and dedicating a substantial portion of its IT budget to switching core tasks to the cloud. With the NSA, AT&T and PayPal generating headlines, it's easy to overlook the impact the cloud can have on smaller businesses. After all, the popular image of a multinational corporation investing millions of dollars in cloud computing doesn't resonate with the owner of a small but growing car dealership in the Pacific Northwest or a brand-new digital marketing firm nestled in the heart of the Midwest. A business doesn't need hundreds of servers to benefit from the cloud. As long as the services fit the needs of the business, the cloud can help in any endeavor.
I recently travelled the big wide web to get some facts for a paper I was writing and came across some amazing facts that I wanted to share! Technology facts, the weird, the strange and the wonderful, let us begin! The average computer user blinks 7 times a minute 1 in 6 people used the Internet in north America in 1999 There are 260 million people using the Internet right now The very first ISP was Compuserve which is AOL and still exists today Telnet is one of the oldest communication forms on the Internet and today it is used to connect to MYSQL databases and more. The number of Internet users in the United Kingdom rise by 75% each and every year. An average
- 1
- 2


text: Other analyses NTNU Discovery 2011-2015 NTNU Discovery is an early-stage funding scheme for verification, qualification and business development of research-based project results. Since 2011, Discovery has awarded 45 MNOK to 100 projects initiated by scientific staff and students at NTNU and Helse Midt-Norge. The funding scheme has been a great success: 41 companies established (as of 31.12.2015) 136 employees 19 patents granted 306 MNOK of external funding (equity, grants, loans) have been awarded to the Discovery portfolio after the initial Discovery grant Impello have prepared the report on assignment from the Rector's Staff at NTNU. Executive summary of the 2015 NTNU Discovery Analysis (Norwegian) Download the complete analysis for free in our download page. The Impello analysis Download Oil & gas industry Aquaculture Maritime industry Other analyses Globalscope reports


text:
Throughout the years, wicker has been found in the worlds most powerful regions. The woven fiber that makes up pieces of wicker furniture was used by the pharaohs of Ancient Egypt and by the kings of Rome. To this day, wicker is still considered a symbol of comfort and style. Elaine Markoutsas of the Baltimore Sun writes, "What's distinctive about today's woven furniture is its emphasis on comfort... The latest woven designs are sink-in comfortable, stylish and sometimes urbane." Later in the article, Marktoutsas goes on to chronicle the extensive and expensive wicker collection found in the homes of many style icons, including Ralph Lauren. The popularity and accommodating spirit of wicker has become so in vogue that dog crate manufacturers are now picking up on it and are supplying wicker dog crates for dog owners.
For many people, building the interior of a home is a project that takes care, effort, and taste. But this task can become even more difficult if you have a pet. Everybody assumes that sacrifices must be made to the home's look if you are a dog owner. They believe that trying to build an envious house is impossible because you have to make sure that your dog has his metal dog crate and the other items he needs. Well, this is not true if you know what to look for. At Pet Street Mall, we are now offering Wicker Dog Crates! These wicker dog crates are guaranteed to provide your dog with the love and care that he needs while still keeping your house looking great.
Currently, one of the most ascetically appealing dog crates on the market is the Pet Residence. The Pet Residence is classy, stylish, and exudes a sense of comfort that will put your dog at ease and make him want to use his crate. In addition to style, the Pet Residence is extremely durable and strong. The Rhino wicker is a design that does not absorb fluids or odors, which will help to ensure that your dog crate will last. This crate also features strong, secure latches that lock-in on the inside of your crate. Further enhancing its seamless integration into the house, the Pet Residence has feet that hold its elevated base, which helps to prevent your floor from being scratched. Undoubtedly, the Pet Residence is a crate that can give you everything you need without sacrificing the look of your home.
If you have any further questions about wicker dog crates or any other pet product, feel free to e-mail or call us at Pet Street Mall anytime. We love all animals and take pride in providing you with any information you may need.


text:
Despite the chatterbugs flittering, Microsoft (NSDQ: MSFT) has made clear it does not want to buy Yahoo (NSDQ: YHOO). Yahoo's beleaguered stock started shooting upwards earlier today (about 12 percent) after some remarks from MSFT CEO Steve Ballmer that a Yahoo deal could still "make sense economically" for both the companies shareholders. He said despite the recent precipitous drop in Yahoo's share price, the company "probably thinks it's still worth as least as much today," as when Microsoft made its offer, which was
Now MSFT has made it clear: it has no interest in buying Yahoo, and no discussions are going on between the two companies. There goes that….


text:
I've embarked on a new e-book project inspired by my ongoing work at the Jefferson Hotel. Thomas Jefferson: Defining America, will be a short biography of T-Jeff (new nickname I just came up with) and it should be out sometime towards the end of winter, 2015. I began work on it this past Saturday while ensconced in the hotel's book room - what a resource. The shelves are packed with all sorts of resource material regarding Jefferson's life & times.
Don't worry, unlike my last book there'll be no Kickstarter campaign here, so you can put your wallets away (for now).
I thought I'd share with you the opening paragraphs of what will surely become the greatest American biography ever written,
Thomas Jefferson was born on April 13th, 1743 at Shadwell plantation in Goochland (later Albermarle) County, Virginia. His father, Peter Jefferson, was a self made man who found success as a farmer and surveyor. His mother Jane was a member of the venerated Randolph clan - one of Virginia's most elite families. A beneficiary of the economic security and social standing afforded by his parents, Thomas Jefferson began life well positioned within the hierarchy of colonial Virginia. The Jefferson family was large. Thomas was the firstborn son and one of six children, having two older sisters, two younger sisters and one younger brother.
He loved music and by age nine was an adept violinist. His father kept a well stocked personal library, and Jefferson's lifelong love of books was kindled at an early age. Private tutors oversaw his education and young Thomas displayed particular skill in the study of Greek and Latin. He spent much time outdoors, was a good rider and a fair hand at dancing.
Peter Jefferson was the central figure in his son's life. When the beloved father died at age forty-nine, his then fourteen-year-old son felt himself adrift and alone. Later in life, Jefferson would recollect that, "…the whole care and direction of my self was thrown on my self entirely, without a relation or friend qualified to advise or guide me,". Amongst those whom Jefferson loved, the theme of untimely death and personal loss would be recurrent throughout his life.
Thomas would find solace in his relationship with Dabney Carr, his closest friend. Throughout boyhood and into young manhood the two were constant companions, roaming widely across the untamed hills of Peter Jefferson's estate. On one particular hill, there stood a favorite oak under which the two would pass the time. They made a pact between them that whoever died first, the other would see to their burial beneath the shade of this cherished tree.
For those of you playing along at home, does anyone care to guess what this hill would later become known as?


text: In 2017, Hideaway Report editors flew more than 125,000 miles, visited 16 countries and stayed in close to 150 hotels. Each January, we have the pleasure of recalling our travel experiences over the previous 12 months and drawing attention to a number of particularly memorable hotels and resorts. To be considered for our annual


text:
- Border
- 1 update
Cumbria chef fined
Cumbrian chef Lucy Nicholson who ran the restaurant Lucy's on a plate in Ambleside has been fined thousands of pounds after failing to keep her kitchen clean.
Live updates
Lake District chef fined
A former restaurant owner has been fined after pleading guilty to three counts of failing ot keep her kitchen clean.
Lucy Nicholson, 55, former owner of Lucy's on a Plate, Church Street, Ambleside, was fined £5,000 and ordered to pay costs of £1,200, after she pleaded guilty at Carlise Crown Court.
She was prosecuted after inspectors visited the premises and found the kitchen to be in violation of numerous breaches of the Food Hygiene (England) Regulations 2006.The offences were committed between 15 July 2010 and 7 September 2010.
The offences were failure to keep food premises clean and in good repair, failure to ensure food was protected and fit for human consumption and failure to keep records on how food is stored.
In summing up, Recorder Medland QC, said the kitchen was in a:
"dirty, dilapidated and uncared for state", adding: "Over a number of years you built up a good reputation but the business had gone badly wrong. By summer 2010 the oversight you brought was gone and the result was plain to see, the state of the kitchen was very poor."
South Lakeland District Council's Environmental Health Officers investigated the restaurant following two complaints from contract chefs working at the restaurant. They found dirty kitchens and a build up of grease on surfaces, food kept at the wrong temperatures with a lack of management control.
SLDC Cllr Claire Feeney-Johnson, portfolio holder for Environment, said:
*"SLDC does not like to bring prosecutions unless it has to but in this case we had a duty to protect people visiting this restaurant. *
"Residents and visitors to the area have a right to be safe when they visit any of the wonderful restaurants and cafes we have in the area and Lucy's on a Plate fell very short of providing a safe environment to eat.
"We would urge eating establishments to display their certificate from the National Food Hygiene Rating Scheme, which our Environmental Health Officers provide. This will let people know the establishment has been rated and passed inspection."
Lucy's on a Plate is now under new management and was recently awarded the highest food hygiene rating of five stars.


text:
How are you?
How about a visit to a happy, friendly, warm, modern and professional hair salon?
Muse Hair, Edinburgh
The best thing about Muse Hair is that we care about our clients. We are lucky enough to have great stylists who are here to give you the hair you deserve. Our salon is stylish, warm and bright – a bit like our team!
Our Edinburgh hair salon has grown over the last 50 years and so has our understanding of what you want. We know what's hot and what's not, but most importantly, we'll help you find what's best for you!
Whether you're looking for a new look, or would like your already gorgeous locks maintained, our friendly team are here to listen and work their magic. We use only the best products on your hair, tailored to your specific needs.


text:
Hilton Head Island
Ladys Island
Saint Helena Island
Greater Hilton Head, Bluffton, Beaufort and Ridgeland Premier Real Estate company.
We do not attempt to independently verify the currency, completeness, accuracy or authenticity of the data contained herein. It may be subject to transcription and transmission errors. Accordingly, the data is provided on an "as is," "as available" basis only and may not reflect all real estate activity in the market. © 2019 Multiple Listing Service of Hilton Head Island, Inc. All rights reserved. Certain information contained herein is derived from information which is the licensed property of, and copyrighted by, Multiple Listing Service of Hilton Head Island, Inc
© 2019 Beaufort County Association of Realtors. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes from Beaufort County Association of Realtors and the Broker Reciprocity Program.sm. Real estate listings held by brokerage firms other than Brokers Real Estate are marked with the BR logo and detailed information about them includes the name of the listing brokers. All measurements and all calculations of area (i.e., Sq Ft and Acreage) are approximate. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. Information last updated on 2019-09-16.


text:
In today's ST, Perennial China Retail Trust took out a full-page ad in colour in ST to extol the IPO's merits.
Two pages away, ST carried a story headlined " CapitaLand's share dip linked to China". In juz slightly smaller type face, the headline went on, "Poor showing due to concerns over firm's greater exposure, vulnerability to policy changes".
If I were Perennial, I'd ask ST for a refund. This headline sums up the thesis why this is an IPO to avoid.


text:
Bishop John's Easter Message 201711 Apr 2017 By Bishop John
Watch and read an Easter message from Bishop John.
From the beginning, what happens in the garden, early in the morning on the first Easter day, has been associated with joy.
St Luke only records two resurrection appearances and joy is characteristic of both. At the end of his gospel we read that 'they worshipped him and returned to Jerusalem with great joy'.
The joy of the disciples recorded in St Luke's gospel went on to become the hallmark of the Christian life when the Holy Spirit fell on the disciples. Joy is a fruit of the spirit listed by Paul, and unlike the other ones – love, peace, forbearance etc which require an effort of will, even If it is spirit-filled, joy is different. You can't work at being joyful, it's a gift, it's sheer grace.
How can we possibly be filled with joy in the face of some of the terrible things that life throws at us? Joy certainly can't be the only thing we experience as Christians. It's no accident that the joy of the disciples came after the desolation of the passion. That teaches us that death and resurrection are the pattern of things as we understand them as Christians. Joy and sorrow are bound to be mingled in our life.
As William Blake wrote memorably:
"Man was made for joy and woe
Then when this we rightly know
Through the world we safely go.
Joy and woe are woven fine
A clothing for the soul divine.
Under every grief & pine
Runs a joy with silken twine."
Joy and woe have been much on my mind since my wife Denise died on Easter day, three years ago, leaving me and my two daughters, then aged 8 and 14, bereft. Since her death, sorrow has often prevailed, but joy has crept up on me unawares, as it can do, even in times of desperate sadness.
It did so especially when my 17 year old daughter gave birth to her daughter last year. It wasn't what she'd planned or I'd expected. But Lily, now aged one, has brought untold joy and laughter in the midst of sadness. It is indeed true that 'under every grief and pine runs a joy with silken twine'.
Flashes of joy are intimations of the profound truth, that though joy and woe are woven fine in this world, it will not be so in God's future. The Christian hope, the resurrection hope, tells us that neither death nor life, nor angels, nor principalities, nor things present, nor things to come, nor height, nor depth, nor anything else in all creation will be able to separate us from the love of God in Jesus, our Lord. Love will prevail. God will prevail, joy will prevail.
Happy Easter!
You must be logged in to add a comment


text: The other day when I was shuffling my itunes, a Teresa Teng song came on and it instantly took me back to my childhood. My family loved blasting Chinese songs by Roman Tam and Teresa and we'd do karaoke at home, too. I'll never forget my dad's fake vibrata. He'd pinch his neck near his Adam's apple, then shake it to get that uh-uh-uh-uh-uh effect. Hilarious and crazy! Anyway, enjoy the tunes!