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PTG Weekly News – November 7, 2018
Christmas Sale
Great news! Our Christmas sale has been extended until 11/19! Make your holidays simple with these great gourmet foods, wrapping paper and bags, and last minute Christmas gifts! Orders may be placed through the catalog and sent back to school or online at www.genevieves.com.
Lee Mita
PTG President


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What is better? Sweat equity or having "skin in the game?" How much of an investment do you need to be considered as having "skin in the game?" Inquiring minds want to know. I received the following email from a technology entrepreneur building his business:
Just read your "Down to the Mat" article, and wow, you really open the kimono as the VCs would say – I take it you're not looking for angel funding? ;). Good stuff though. What's your thought on time spent developing the product? I'm putting in the time writing my software product but have maybe $400 invested and feel that I have "skin in the game". I fear this question because I have to answer "I don't have any money to invest at this point but look at the shiney software!"
The situation you describe is not uncommon, especially in the technology and internet sectors. Let's break it down:
Assuming you are sitting at the table with potential investors, they are going to dig into the balance sheet of your business and are going to zero in on a couple of things.
1) The tangibles: what are the assets of the business (including cash)?
2) The intangibles: what reasonable sweat equity does the entrepreneur have in the business? What is value of the intellectual property (IP)?
The tangibles are easy to determine. Anything "owned" by the business is considered an asset. This includes equipment, and paid-in capital contributed by the founders. Again, fairly easy to determine. If the business has 10K in the bank, and 20K in equipment, then the assets of the business are at least worth 30K.
The "intangibles" are where the angst usually lies. The same dynamic that lies in the valuation process rears its ugly head here as well. The entrepreneur generally feels like the sweat equity they've earned is far and above what the investors are willing to live with. And vice versa.
So how do you measure sweat equity? it is very subjective, obviously.
First, do what you can do increase the value of your tangible assets. If you can increase the value of the tangible, the value of the intangibles are going to go up with it. There is a positive correlation there.
If you have cash to put into the business, do it. Also, examine your other expenses. You say you have $400 in your business. More than likely, that is too low of a number to be considered "serious skin" in the game. There is no set figure here, but $400 is certainly going to be on the low end. It is really relative to what it is that you are doing in the first place. What is the percentage of your cash investment against the perceived value of what it is that you've built?
Your figure of $400 is not a lot, however, I'm willing to bet that your actual number is probably higher than that. If you bought a laptop, and you are doing your development work on that computer, guess what? There's $2-3K right there. Other things to consider: cell phone bills, office supplies, lunches, coffees, parking fees, tolls, software/scripts, books, training/education costs, ISP and hosting fees, etc. All of these things are legitimate expenses when building a business, and the good news is that investors realize this. Leave no stone unturned.
Next, take a hard look at what you've personally put into the business from a non-cash basis. However, keep in mind that there is not a one-to-one correlation here. This is one of the traps that many entrepreneurs fall into.
For example, let's say you've spent 20 hours a week for a year working on your product. That comes to about 1,000 manhours of effort. Logic would dictate that you would multiply those hours by some "reasonable" bill rate (e.g. $100/hour), and decide that you now have 1,000 x $100 worth of sweat equity in the business (in this case, $100K). However, it doesn't work that way in reality. Certainly, if you were to have paid someone to do that work, then that represents "cash saved."
And this brings me to my final, and most important point.
You have to consider the *real* value of what it is you've built, in conjunction with the amount of time/effort you've personally put into your business. Perhaps it took you 20 hours every week for a year, but in the eyes of another person, what you've built could have been done in half the time by someone else. Perhaps what you've built isn't really "unique" enough. Perhaps investors don't see "100K worth of value" in what you've built. In these cases, the value goes down.
On the other hand, if what you've built has "value" in the eyes of the investor, then your sweat equity is worth more. If you have users, paying or otherwise, then things are going to be headed in the right direction on the scale. If you are fortunate enough to have paying customers, then you have more leverage. It gets a hell of a lot easier to defend your sweat equity when the dogs are eating your dog food, as it were.
Focus on providing a defensible basis for the value of your product/service. If the investors sniff value in what you're doing, you will come out ahead in the long run. How big is your market? Do you have beta users? Paying customers? Do you have a competetive edge? Can the investors reasonably expect a 7-10X return?
Each investor is going to have their own values, opinions, and threshholds. The trick is to go in with a balanced and honest view of what you have in the business, and what you are looking to get out of it. Sweat equity isn't a requirement, just a nicety. At the end of the day what matters most is value to the customer.
Of course, there exists the possibility that you don't even need outside capital to get your business to the next level. If you have developed a prototype product, get some early users on it and see what feedback you get. You just never know … things could take off, and the next thing you know, you're paying your bills.
This is a neat post. Wish I had read it before now. A comment I'd like to add is that sweat and skin actually have fundamentally different kinds of value.
The "sweat" value can be valued. Sometimes it's called "personal goodwill" among us finance types. You could, as Scott suggests, use a proxy billing rate. Or you could set a value on the intellectual property (challenging but doable). When it boils down, "sweat" is really the opportunity to succeed. The value of "sweat" is basically how much of the company you have left after it receives capital.
"Skin" is fundamentally different. Whereas Sweat builds value, Skin moderates risk. "Skin" says you won't just walk away when things get tough or you get an unexpected lucrative job offer.
To illustrate: I believe that a fundamental cause of the dot-com crash was the lack of Skin in the industry relative to Sweat and Cash. The 20-somethings were bummed out when their businesses went under, but did they really lose anything? Might they have worked harder and smarter if they had their own assets on the line?
To sum up: Sweat is value creation. Skin is value protection.

subset: commoncrawl


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"According to statistics provided by the Library of Parliament and Statistic Canada, of the 7,720 homicides committed between 1997 (one year before the registry opened) and 2009, just 95 (1.25%) were committed with a firearm registered to the accused murderer, and only 151 (1.98%) were committed with a gun by a person who held a valid firearms licence."
When seconds count, the police are only minutes away…
Gun licences should go the way of the registry
National Post
Lorne Gunter: Oct. 25th, 2011
There is less gun crime in Canada than in 1998 when the registry opened its doors, but there was already less in 1998 than there had been in 1988, and less in 1988 than there had been in 1978.
The peak year for violent crime per capita in Canada was 1975. The rate has declined more or less steadily since then.
Gary Mauser, an emeritus professor at the Institute for Canadian Urban Research Studies at Simon Fraser University in Burnaby, B.C., says the same is true of licensing.
The Tories aren't planning to get rid of the requirement that all gun owners obtain a federal firearms licence, but they could. In his research over the past two decades, Prof. Mauser has found that while the murder rate went gone down 1% in the first decade after licensing became a requirement, it had gone down 9% in the decade before licensing.
Just as the Tories are getting rid of the registry, they could also do away with licensing without jeopardizing public safety. But putting an end to licensing will likely have to wait. The government seems intent on keeping it, if for no other reason than it enables them to say they are concerned about gun safety, it's merely the expensive, useless gun registry they're after.
Other statistics uncovered by Prof. Mauser also point to the uselessness of owner licensing.
Gun owners have long (and correctly) argued that registering guns is useless as a crime-fighting strategy because criminals don't register their guns. So how could a registry possibly stop crime?
Preliminary findings from a study done by Prof. Mauser are pointing to similar conclusions about licensing.
According to statistics provided by the Library of Parliament and Statistic Canada, of the 7,720 homicides committed between 1997 (one year before the registry opened) and 2009, just 95 (1.25%) were committed with a firearm registered to the accused murderer, and only 151 (1.98%) were committed with a gun by a person who held a valid firearms licence.
In other words, just over 3% of Canadian homicides in the licensing era have been committed by licensed gun owners using guns – registered or otherwise – even though licensed owners make up about 8% of the population.
It's a bit of an apples-and-oranges comparison. The 7,720 total is for all murders including those committed using knives, crowbars and fists, as well as guns, whereas Prof. Mauser's analysis of murders committed by gun owners includes only murders in which a gun was the deadly weapon.
Still, the murder rate among gun owners using a gun is just 0.38 per 100,000 licensed owners, while the overall murder rate in Canada since 1997 has been about 1.85 per 100,000 population.
It may take several more months for Prof. Mauser to come up with a murder rate among licensed owners regardless of weapon or methodology, but it is hard to believe that licensed gun owners are wildly more murderous with other objects. So it is a pretty safe bet the general murder rate among licensed gun owners will turn out to be noticeably less than the murder rate for the general population.
The point is clear: Legal gun owners were among the people least likely to commit murder even before the government required then to acquire licenses. So owner licensing is every bit as pointless as gun registration.
National Post
See original here.


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Setup special: 0 € setup fee for our VPS!
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Exclusive Insight: Contabo data center in Nuremberg!
In addition to various other (large) projects, whose positive results will soon be visible on our website, the commissioning and further maintenance of our second data center in Nuremberg was of course one of our major tasks in 2014. Our second data center location does not only provide the necessary space for further development, but also offers our customers many new opportunities for their server operation, for example corncerning colocation services: by means of targeted site selection (Munich/ Nuremberg), our customers can now decide for themselves where their own servers and technical equipment are located in future.
This innovation and many other improvements will be found shortly on Contabo.com.
But before publishing all further news regarding the new data center in Nuremberg on our website, we would like to give you some impressions exclusive here on our company blog:
Exterior view of our data center in Nuremberg
Server racks + working area in one of the data center rooms
Further room for server hosting
One of several, redundant core switches
A fully separated cold aisle for server racks
USV system: doubled battery pack
3 x reciprocator chiller (cooling capacity of 600 kW each)
Emergency diesel power (1800 kW) with an extra tank (50.000l)
Stay tuned for further information and look forward for attractive offers soon on our website.


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Are you looking for a wide offer of Tarkett products for your flooring project in FARMINGTON?
UNIQUE INTERIORS GROUP LLC is a flooring retailer that provides you with a wide range of Tarkett products and innovative services for your home project.
Don't hesitate: contact UNIQUE INTERIORS GROUP LLC in FARMINGTON to get a quote, order samples, and ensure that they have the product you need in stock!


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Canadian singer-songwriter Shawn Mendes has hinted that his highly anticipated third album could be released in the upcoming months.
The 19-year-old heartthrob posted a rather revealing picture on Instagram with the caption "album soon come". The "Life of the Party" singer tweeted recently that he was putting the last touch on his new album and rumors are swirling around about a possible collaboration with former One Direction member, Niall Horan.
This news come just two months following the conclusion of Illuminate World Tour, his first-ever headlining arena world tour that generated more than $35 million in ticket sales, which concluded in Tokyo in December.
The multi-platinum singer is one of the five artists to ever debut at number one before the age of eighteen, thanks to his two first albums, "Handwritten" and "Illuminate". He already has three Top 10 songs under his belt – "Stitches", "Treat You Better" and "There's Nothing Holdin' Me Back".


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Contact Beefeaters
Comments? Questions? Contact Us!
Please note that we do not accept reservation correspondence via email. Please call 920-730-8300. Thank you!
Beefeaters British Grille & Ale House
2331 E Evergreen Dr.
Appleton, WI 54913
(920) 730-8300
Hours: Open Daily at 11am-close
Sunday 11am-8pm
Monday 11am-8pm
Tuesday-Saturday 11am-9pm
(Tuesday-Thursday bar closes at approx 9:30pm)
(Friday and Saturday bar closes at approx. 10pm)
Beefeaters is closed Thanksgiving, Christmas Eve, Christmas Day, and Easter.


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- Monitoring the compliance of the rules of use and enjoyment of the swimming areas.
- Rescue services.
- Lifeguards with the correct training and accreditation, endorsed by ESSSCAN.
- Advice on compliance with the current regulations, proactively avoiding sanctions and complaints.
Stands out for its experience, efficiency and personalized service that combined with the professionalism and continuous training of its team, allows it to offer solutions tailored to the specific needs of each client.
General services
Provides specific solutions for those clients that need complementary services to its core business production, taking full responsibility of personnel management (recruitment, training, hiring, as well as substitutions for holidays, maternity leave, etc.
Offers comprehensive services of maintenance, servicing and cleaning in hotels, buildings, companies and industrial facilities, using professionally trained staff and equipped with the latest machinery.
As a specialist in the outsourcing of services in hotels, apartments and water parks, offers its experience in this area to offer life guarding services in swimming pools and natural habitats.
Has a fleet of trucks serving throughout the island of Tenerife and a team of over 60 people, which are responsible for ensuring that customers receive their items in perfect condition 365 days of the year.
Is an integrator specialized in solutions for the installation, support and maintenance of security and electric telecommunications systems, which offers the most sophisticated technology and the maximum quality..


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Two innovative companies have come together to create a fantastic new Lunch bag! A lunchbox collaboration…
SoYoung are known for producing high quality, long lasting insulated lunch bags with added features that leave customers' raving. Couple that with the industry leading Yumbox, a brand known for creating the world first leak-proof bento boxes and we don't think there could be a better pairing. This makes their brand new lunch bag collaboration so special. An insulated Lunch bag with the quality and design of SoYoung, specifically sized for the Yumbox range.
It's a match made in lunchbox heaven!
How to clean a Raw Linen Bag
While the raw linen has a porous nature, tough stains such as tomato sauce just require a little bit of scrubbing to remove. The biggest advantage of the lunch bag is that they can be completely immersed in water, making them machine washable and dishwasher safe. You can then simply lay them out to dry overnight. Putting them into a hot dryer is NOT recommended as it may shrink or melt certain materials in the bag.
Purchase an Ice Pack to keep your items cool all day.
SoYoung Insulated Lunch Bag is perfect for Yumbox Original, Panino & Tapas, Little Lunch Box Co Range, Goodbyn Bynto, and Go Green Medium & Small Lunch Box.
Product Details Rule the playground with these standout washable insulated kids lunch boxes. Elevate mealtimes...
Product Details Clean, modern, retro designs set these lunchboxes apart from others! SoYoung's popular and super-phunky...
Product Details Clean, modern, retro designs set these lunchboxes apart from others! SoYoung's popular and super-phunky...
Lets keep in touch!
Subscribe to our newsletter to find out about phunky new products, ideas and recipes first....
We take your privacy very seriously. No spam.


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Linking Practice to Theory and Research – Movement and Learning
Linking Practice to Theory and Research – Movement and Learning
At IDEA ELC we are interested to know that there is growing evidence to support the view that playing outdoors in the early years is not only enjoyable for young children, it is also essential to them developing healthily as well as learning about their world and developing appropriate attitudes to the environment.
A survey by the Children's Play Council found that 80% of children prefer to play outdoors rather than indoors. When asked about their preference for different activities, 86% of children preferred outdoor learning activities.
As adults, both as parents and practitioners, we need to listen to the voice of children and ensure we do all we can to provide them with good quality outdoor experiences.
So much of education throughout the school years emphasizes the need to sit down, sit still and carry out tasks set by the teachers. But actually, research and experience shows that nothing could be further from the best for children. Learning involves being on the move, actively exploring, finding out and talking with others.
'Young children learn about themselves and their environment through movement. Piaget, Bruner and Donaldson- great and influential developmental psychologists- say that for the youngest children, movement is 'thought in action'. Children have to first experience the world actively through all their sense before they can think in the abstract and hold thought or memory of those things in their heads as pictures, concepts or symbols.' (Ouvery, 2003).
Would you like to see how we build movement into a child's day, using the Creative Curriculum? Call our Registrar Natalie who will arrange a tour 800 4332 352.


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Asia BPO - Summit is an exclusive summit for BPO/ITO services or interested in evaluating Global Sourcing opportunities. The outsourcing industry is lucky to have a substantial field of very talented outsourcing advisors. With strong skill sets in most aspects of outsourcing-scoping, business case development, sourcing and deal structuring, the left-brained aspects of outsourcing are covered.
The Asia BPO Summit facilitates these important discussions by enabling buyers and sellers of BPO services to meet each other, and hear best practices and lessons learned from experts and global leaders in a friendly environment.
The Outsourcing & Strategic Partnerships is the definitive annual summit providing practical guidance and strategic advice on Outsourcing and IT Services. It provides business and technology leaders with the best single opportunity in the marketplace to get independent advice on their sourcing strategies, the Outsourcing and IT services marketplace, vendor selection/negotiation and ongoing management of their outsourcing relationships. It provides delegates with a unique forum to discuss ideas and best practices the leading outsourcing providers.
Invitations for speakers now open Contact


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Join us on Canada Day to celebrate Canada's 152nd birthday.
A fun, relaxed tournament. Great way to spend Canada Day.
Texas Scramble (Teams of 4)
Men, women or mixed teams.
You can enter as a single or as a team of 4. Singles will be grouped together to form a team.
No golf handicap required
Come dressed in red and white to show your national pride.
For more information visit our event page.


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Behind the Scenes: Blowfish Malibu in Asia
Go behind the scenes with Blowfish Malibu as we travel to China!
Though all our shoes are designed in either Malibu, California or Europe, our super committed design team often travels to China. Our shoes are produced and manufactured in Asia and the team spends a lot of time sourcing materials, looking at prototypes and shoe constructions here. I was lucky enough to join the team on their last trip to work on some new products. Since I am on the marketing side of the brand (and not a designer) I was extremely fascinated. Generally, the team goes overseas to help build the line and merchandise, so I learned a ton! Moreover, being able to engage in Chinese culture was really captivating.
Scroll through to see a little snapshot of my recent time in China!
Here's Marcy, one of our designers, and another member of our team hard at work. (If you look close enough, you might be able to see that she was designing something sweet for next season!)
This room is filled with rolls of materials used in both past and present designs! If you own Blowfish Malibu shoes, the fabric from which your shoes were made is probably in here. Pretty cool, right?
This is a box of shoe lasts. Shoe lasts are the solid form around which a shoe is molded. You often need these for every single size of a style and it is also specific to a shoe design. Lasts normally come in pairs and can be made of various materials. Generally, they follow — and should be close to — the shape of a foot.
Lunch is served! Contrary to popular belief, there are lots of different food options available in China. On this particular day we did, in fact, choose Sichuan food. However, the team was partial to Italian too, so there are food choices to please everyone.
When we're not in the office, we get to venture around the city.
In most cases, I typically find the smallest things the most interesting. I love this snap of all the candy buckets at a local supermarket! Can anyone guess what these are?
This photo was taken just outside the office on the main street. Locals hang out or buy snacks at quick stops like this all over town.
Here's another local shot. Note the signs, buildings and various colors… very different to my hometown!
Unwinding after a long day at the office in China normally includes beer and a game of Jenga.
Lastly, I hope you found my behind the scenes fun. We love that you're along for the ride!
And on a side note, if you're interested in anything from the Fall 2018 collection our partners at Zappos offer free shipping and returns. It's perfect for holiday season gift giving!
Plus, we'll definitely be hosting some great giveaways this holiday season! Make sure you follow along on Instagram and Facebook to stay up to date!
xx, Karen


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On the lean side, salsa is just 4 calories a tablespoon. It's perfect on a serving of baked tortilla chips.
Another skinny choice, one tablespoon of mustard is only 10 calories and does a great job spicing up a bland sandwich.
Ketchup has 15 calories with no fat yet it contains a teaspoon of sugar per tablespoon, but it is a sure marriage to your side of fries.
Guacamole scoops up 25 calories and 2 fat grams per tablespoon, although the fat from avocado is heart healthy.
While sour cream dishes 30 calorie a tablespoon, but unlike the guacamole the fat is saturated. Now worth mentioning, the same amount of butter will get you 100 hundred greasy calories almost all coming from fat, so surprisingly sour cream is a better option for your baked potato.
Ranch dressing is 60 calories a tablespoon, but most of us use at least two tablespoons to dress a salad.
Finally, one tablespoon of mayonnaise delivers 90 calories and almost all coming from fat. If you can stomach reduced fat or fat free versions, you'll save yourself anywhere from 50 to 90 calories.
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The current Bundesliga season is 10 matches old which means that most coaches and sporting directors have identified their needs when it comes to strengthening their squads. Additionally, there are also a few players who are no longer needed and who could be transferred during the winter. Let's take a closer look at a potential starting line up of players who could leave their clubs during the winter transfer window.
Samuel Sahin-Radlinger (Hannover 96)
The Austrian keeper is still on the books of the 96'ers, but he is currently on loan at SK Brann in Norway. During his loan spell the 25 year old has featured in 22 Eliteserien matches and kept 11 clean sheets. Hannover already have three keepers on their books, which means that there won't be a place in the squad for the Austrian upon his return to Lower Saxony in January.
Luca Caldirola (Werder Bremen)
The Italian can be used both as a left back and centre back, but he hasn't had a chance of making the first team at Werder Bremen this season and both parties want their collaboration to end. A transfer to Italy seems most likely for the defender who has 80 Bundesliga matches to his name.
Jeffrey Bruma (VfL Wolfsburg)
The Dutch defender was dropped by Bruno Labbadia last season and so far has not made a return to the pitch this season. Being a high earner at the club with no future in the coach's plans makes Bruma one of the prime candidates for a winter transfer.
Simon Falette (Eintracht Frankfurt)
Last season the Frenchman featured in 27 Bundesliga matches, but since Adi Hütter's arrival at the club his playing time has taken a dive. A measly 118 minutes of Europa League football and a late substitution onto the pitch in Eintracht's 3-1 loss against Dortmund are not enough to satisfy the ambitions of the defender.
Jeremy Toljan (Borussia Dortmund)
The ambitious 24-year-old needs playing time to reach his goals of making it to the German national team. So far this season Toljan has struggled with injury, but given the performances of the players currently filling the full back spots there's little need for him right now. Both Valencia and Napoli were interested in the services of the former Hoffenheim player during the summer.
Marc Stendera (Eintracht Frankfurt)
The 22-year-old has been a hope for the future for some time, but injuries have set Stendera back time and time again. Nowadays Eintracht's officials have lost their patience according to Bild. A move during the winter might be on the cards.
Sebastian Rode (Borussia Dortmund)
Rode's absence file is as thick as a hardback copy of the Lord of the Rings. Even if the 28-year-old is fit, there's currently no place in Lucien Favre's line up for the midfielder. Surely a move away from the Signal Iduna Park would be best for all concerned.
Alexander Esswein (Hertha BSC)
The 28-year-old winger is only getting playing time in Hertha's second team at the moment. Featuring in the Regionalliga Nordost doesn't satisfy the player or the officials at the club. An ambitious side in the Bundesliga 2 or a Bundesliga side struggling at the bottom of the table looking for more firepower down the wings might pick him up during the winter.
Marco Fabian (Eintracht Frankfurt)
Ever since arriving at Eintracht Fabian has made headlines for some of his antics off the pitch. The club wanted to get rid of him during a summer, but a transfer to Fenerbahce fell through after the player failed the medical. Both parties are looking for a parting of the ways during the winter.
Breel Embolo (Schalke 04)
Two goals from eight matches so far this season isn't enough to satisfy Schalke's needs according to Bild. After two years at the club the Swiss Wunderkind hasn't delivered the goods (mostly because of injury). Given his high wage and his failure to deliver, the officials at the club might be looking for a transfer according to Germany's biggest tabloid.
Josip Drmic (Borussia Mönchengladbach)
The 26-year-old made some arrival on the scene during his first Bundesliga season. 17 goals from his 33 matches at 1. FC Nürnberg made Drmic one of the hottest commodities in the league back in the 2013/14 season. However, after his first season, the Swiss striker has struggled with injury and has never got back to the form he was showing during his first season. Only 12 goals have followed after his stint at Nürnberg. Gladbach are therefore looking to get rid of the 26-year-old, who hasn't played a single minute of Bundesliga football this season.
Niklas Wildhagen
Latest posts by Niklas Wildhagen (see all)
- Hertha BSC – The descent into chaos has begun - February 20, 2020
- Schalke vs. Hertha – Racism rears its ugly head, now what? - February 6, 2020
- Werder Bremen – Blindly Diving into the Abyss - January 29, 2020


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Real estate is a local business, right? Well, maybe not so much. Technology has flattened the world and now allows us to hire whom we want for what we want, for whatever we want, largely unimpeded by geography. Why should commercial real estate brokerage and be any different? Can we have a world in which virtual real estate brokerage exists for commercial real estate?
Let's look at some examples of services you can now get through the internet:
Luke's Place a virtual legal clinic through Skype. Perfect for people who live in rural communities and find it hard to meet with a lawyer.
Vet Partners - yes, you can now be hooked up with a veterinarian through Skype - perfect for emergency situations in which you need on-demand advice for an emergency with your pet.
VarageSale why go to garage sales in your neighborhood when you can go to virtual garage sales?
Clarity.fm a marketplace of all kinds of experts collected in one place...you can search by topic, pick an expert and schedule a call on a pay per minute basis to reach out to an expert that can answer a question on just about any topic.
Kim Doyal book 1.5 hour session with Kim and she will talk you through your website strategy. Kim specializes in Wordpress and marketing. Your business can get unstuck in just 90 minutes.
Virtual Assistants through a service like Virtual Staff Finder, you can hire a full-time assistant for as little as $500 - $1,000 per month.
Virtual High School get your high school education from anywhere in the world.
Talkspace has over 1,000 licensed therapists to choose from to help you through tough times.
Virtual Yoga take a yoga class with others online.
Financial Advice Katie Brewer of Your Richest Life offers fee-only financial advice for a monthly retainer. All of her advice is provided virtually through Skype sessions.
Udemy learn virtually anything you want, taught by individuals from all over the world.
Joinreal.com offers high commission splits to their agents, a powerful app that allows realtors to conduct all of their business through that app, and does not offer an office.
As an agent at their brokerage, you pay either $40 per month or $100 per month, and then enjoy taking home 85% of each commission.
Their model is to attract enough agents through the high commission splits and save money on the costs associated with running an office.
The agents and real estate service themselves are not virtual...the agents of the brokerage will still meet up with you and show you homes to buy...they just all work from home (or Starbucks).
Basically any service that is advice-based can be transmitted through text, audio and video from anywhere in the world.
So long as the provider of the advice has credibility, location should not matter.
So how does this tie into commercial real estate?
Shouldn't a commercial lease review company have local market knowledge?
Well, in the case of a small business owner looking to renew a lease...not really.
You see, if a commercial tenant is negotiating a lease renewal and not involving a real estate broker (which is the most common scenario), then where is the business owner getting their market information in that case?
The answer is that either the business owner has paid attention to where the local rental rates are at, or has not, but in either case the business owner has made the decision on whether the price (rent) is fair or not.
The problem is the rest of the items in the lease. The stuff the business owner is not even aware of, such as pass through expenses, percentage rent and capital costs.
Think of the rent as the tip of the iceberg and all the other issues are beneath the surface.
That is the stuff that typically a real estate lawyer would advise on.
But if the small business owner did not want to hire a real estate broker to assist on a renewal, chances are they may not want a real estate lawyer, either.
The problem with the conventional lawyer model is that there is an incentive to build billable hours. And those hours are usually at a high price per hour.
Lawyers serve their purpose and this article is certainly not designed to discourage anyone from hiring a lawyer to assist with their lease.
But in our experience most commercial small business tenants view lawyers as a bit too expensive for something they are not sure about. They are just not sure how much value a lawyer will add to their lease, so many small business owners tackle the commercial lease negotiation all by themselves.
In seeing over 500 commercial lease transactions, there are plenty of cases in which a lawyer's comments seemingly were not in proportion to the bill.
So why should a tenant's choice of advisors be restricted to commercial real estate brokers and commercial real estate lawyers in their town?
What if there was a virtual commercial real agent that could offer a lease abstracting service for a one-time fee? What if that one-time fee was at a reduced rate, given the reach and scale of the internet? And what if this advice given to the tenant was behind the scenes, so the tenant could still be in control of the negotiation?
And most importantly, why should a tenant not have access to the best agents. Agents the tenant chose by experience or specialty, rather than geography.
That is why Lease Ref exists. To provide the future of commercial real estate today.
For more on how we provide virtual commercial real estate advice, check out this super serious video:


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I never imagined I'd be hitting the gym and enjoying being as active as possible (well maybe not "as possible").
As a petite girl with asthma I always DESPISED gym class, and I'm pretty sure I was allergic to the sun for much of my teen years as I stayed up all night playing video games and slept until 2 in the afternoon during any break from school. My 20's haven't been much better sitting at a desk all day at work then going home and vegging out in front of the TV or computer.
But, I was unhappy with my body and decided to try some cheap pilates DVDs at the recommendation of my friend. Those lasted maybe a month…
Then my boyfriend decided we needed to get in shape and we bought a couples gym membership at the fancy gym that was close to home – for motivation to go – which we went to I think a total of 3 times the first year we had it.
Honestly? I felt like crap. I wasn't overweight by any means, but just tired and weak. It was time for a change. I was sick and tired of being sick and tired. So I took the first step towards a fitter, healthier me.
I started using the MyFitnessPal app for Android (it's also available for Apple) to keep track of my calorie intake. It has a fantastic database of foods and allows you to add your own foods which is helpful if you cook from scratch. You set your weight loss goal and it will tell you how many calories you should eat a day to lose weight.
The MyFitnessPal app allows you to track your weight progress, giving you a helpful badge with your how much weight you've lost. You can also track your exercise to see how many calories you're burning.
MyFitnessPal is accessible on the computer as well through their website (myfitnesspal.com) which makes entries a little less tedious.
I've found this app especially helpful when going out to eat as a lot of menus don't list calories next to the foods. I can pick a couple of dishes that sound good and check the calories on MyFitnessPal.
Since I am not just trying to shuck off a few pounds but become healthier in general, we purchased a TargetScale.
The TargetScale not only measures your weight but measures your BMI, body fat %, bone mass, muscle mass, and body water composition. It comes with an iTunes app to track and graph your daily measurements to help you towards your weight loss or fitness goal.
It supports multiple users as well and allows each to keep their own profile and progress tracking.
The Fitbit is an adorable, handy, little pedometer that also measures stairs climbed, activity level, calories burned, and distance traveled. It comes with a wrist strap where you can activate a sleep mode which will tell you how long you slept, how long it took you to fall asleep, how many times you woke up and sleep efficiency.
The Fitbit dashboard will show you cool graphs and allow you input your measurements (weight, body fat, etc). One of the best things about it is it integrates with your MyFitnessPal and Endomondo accounts.
The Fitbit comes with a base and software that's installed on your computer. When it's within 15 ft of the base it'll update your progress. There is also a mobile app, but the device does not sync with that at all. It's mostly useful if you're using it to track calories or measurements.
The Fitbit isn't exactly cheap, retailing at $100 (though I've found it cheaper on Amazon), but it seems a lot more accurate (and less likely to break/die like my $10 pedometer) plus it offers a lot more functionality than your run-of-the-mill pedometer. It comes in blue and purple.
I pretty much just use the Endomondo app when I'm running, biking, jumping rope or going for long walks. It uses GPS to map your exercise and tells you how long you were doing it for, at what pace, and how many calories you burned.
You can add friends and see their workouts as well. It's pretty neat to go back and see a map of your workout, see your pace and see how many calories you burned.
Playstation 3
Going to the gym can be monotonous so I try to vary my exercise routine and throw in some games that are not only exercise – but are fun!
I got the Playstation Move through a killer Amazon deal, which allows me to get some awesome games. One thing I've found is I loooove dancing games. Some games I use are:
And one good workout game I've found is Fit in Six. Most of these games are available for PS3, Xbox 360 and Wii if you have one system or the other.
If you're looking for a little help or motivation to get in shape or become more fit, technology could help you! There are a lot of options out there it just may take a little time to find the ones that fit your life and your goals the best.
What are your favorite fitness technologies? Leave a comment below or Tweet me @iamprojectalice!


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Posts Tagged 'tivoli'
Live @ IBM Pulse 2013: A Cloud Computing Security Roundtable
If you've followed the headlines recently, you can't help but notice the constant barrage of news concerning security break-ins at some of the most public cloud sites on the planet: Facebook, Google, Evernote…the list goes on and on.
Yet in spite of the looming cloud security concerns, enterprises and organizations continue to ramp up their investments in both public and private cloud infrastructure as a cost-effective, dynamic way to scale up their IT capacity.
At the IBM Cloud Security roundtable here at IBM Pulse 2013 yesterday in Las Vegas, several IBM security experts came together to discuss some of the challenges, best practices, and solutions to protect against threats and provide security-rich cloud computing environments.
Jack Danahy, director of security for IBM North America, hosted the panel before the gathered industry press, and offered up some prefacing comments to set the stage for the security discussion.
Jack began by stating that 9 out of 10 global CEOs say that cloud computing is critical to their business plans and "a way to increase their organizational productivity, but all also admit security is a lingering concern."
Brendan Hannigan, the general manager for the IBM Security Division, explained that there are some key basic security concerns around cloud, including the safety of enterprise data, and whether or not it can be compromised or lost.
Hannigan explained: "Cloud is simply another computer upon which we can deploy capabilities for our customers, and we should be able to look at cloud security the same way we do across other domains." That includes giving organizations a single view of identity across their cloud environments.
Kris Lovejoy, general manager for IBM Security Systems, discussed some of the key inhibitors to organizations providing more effective cloud security measures, and explained that the cloud is actually inherently more securable than traditional IT infrastructure because of they way it's designed and the manner by which you can replicate security controls.
So if the cloud is inherently more securable, why the seeming contradiction that nobody seems to be able to effectively secure it?
Because, Lovejoy explained, when you buy public cloud capability you typically have to buy the security features as an added extra, and may customers don't do so.
"Think about the provider as being a hotel," Lovejoy explained, "and in each hotel room they have a series of diseases. The provider must provide you good housekeeping to protect you from diseases in the other rooms, and yet so many cloud computing tenants don't make that obvious investment to protect their cloud applications and data."
When Danahy asked the panel about what can be done to make executives more comfortable with the idea of security investments in the cloud space, Hannigan chimed in, and explained the rationale comes down to a distinction in the type of data you're working with, and delineating between the information that is critical and that which is less sensitive.
"When you have a specific application or data set," Hannigan explained, "there are wonderful opportunities afforded by the cloud because in security, one of the biggest challenges is striking a balance between locking the infrastructure down and providing free and unfettered access to the that information customers and employees need."
Lovejoy explained it was not dissimilar from the crazy notion of automakers selling cars without seatbelts or brakes. "You don't want to suddenly discover you don't have these features going 60 miles per hour down the interstate."
Kevin Skapintez, program director of product strategy for IBM Security, said that the need for more cloud security standards reminded him of the late 1800s, when fire hydrants had different nozel sizes that required varying widths of connectors for the hoses.
"You have to have standards related to identity," Kevin explained, "so you don't have to build different registries per cloud!"
"More organizations needed to also heighten their log management regimes," he explained, "so that they have improved visibility to see if they have the right controls in place and where incidents are occuring."
Lovejoy explained that "most organizations have a pretty defined pathway to cloud success." Many are using develop and test environments and are moving to non-core workloads, allowing a lot of applications to emerge and consolidate on the cloud.
At the same time, she explained, most companies are planning a security operations optimization and that the cloud is a remarkable opportunity. "As we consolidate," she explained, "things get simpler. Companies need to think about this in the context of business transformation. You need to adopt the cloud in a safe and reliable manner while managing the risk."
During the Q&A, I asked the panel whether or not all these very public public cloud security incidences we've seen in the headlines were driving any real productive conversation in terms of making cloud security more of a priority.
Lovejoy explained the scenario typically went something like this: A CEO would call up their provider, ask for an assessment, give them a threat briefing, then go to a third party standard to see if they matched the security checklist.
But that not enough of them were what she termed "security aware."
Hannigan concluded, "It's a classic dilemma with security spending. Security concerns are not specific just to the cloud, and clients are working about losing data, period. The question is, can they invest all the money necessary to adequately secure those environments?"
To date, the answer seems to largely be "no."
Live @ IBM Pulse 2013: A Q&A With IBM Tivoli GM Deepak Advani
This week at IBM Pulse 2013, I had the opportunity to sit down with IBM Tivoli general manager, Deepak Advani.
Deepak has served in a variety of executive capacities at IBM during the course of his career, including most recently as the Vice President of IBM's Business Analytics organization. He was also instrumental in the development and growth of IBM's Linux portfolio, and later served e1as the Chief Marketing Officer for Lenovo.
Our chat ranged across a variety of topics relevant to the conference and the broad opportunity presented by more effective infrastructure and asset management and utilization. Deepak recapped some of the key themes he presented to the audience of 8,000+ attendees, spoke of the challenges the world's largest organizations face with respect to their IT operations, and explained how more effective visibility, control and automation of their systems can help turn opportunities into business outcomes.
Live At IBM Pulse 2013: NFL Quarterback Peyton Manning On "Getting Back To Zero"
Peyton Manning has earned his way into NFL history, playing for the Indianapolis Colts for 14 seasons before making his way west to the Denver Broncos, where he had to learn a completely new playbook and offense.
The backstory: After undergoing extensive neck surgery in May 2011, he was forced to miss the entire 2011 season with the Colts and was released in March 2012, at which point he visited with and worked out with several NFL teams during a two-week period before settling on the Broncos.
Along the way, Manning developed his own personal playbook for cultivating leadership and effective decision making, the points of which he shared in the IBM Pulse 2013 day three general session.
The four-time MVP quarterback hit the stage running, explaining he'd just returned from a USO tour overseas where he'd been visiting the troops. He began by explaining that he "hope what happens in Vegas stays in Vegas, because I don't need the Ravens and Patriots to hear some of what I'm telling you today."
Manning then segued into his key theme, the art and science of decision making and "how quality decision making leads to resilience."
Manning explained to the gathered Pulse audience that "people make decisions every day," but that there are those who "make good decisions habitually," and acknowledging that "it's easier to practice a skill when the heat is off and when there's nothing important on the line."
But unlike most people, Manning explained, "my decision making is instantly judged by 80,000 fans in the stadium and millions on Twitter" — and that he wouldn't have it any other way.
In fact, Manning explained, "I savor being on the front line," and that "you can't wait for someone else to make or execute the plan — you have to be willing to take the risk, even when you have doubts."
"If not you," Manning queried, " then who?"
The key, he went on to explain, is that you make key decisions without hestitation and no stutters, because "when you demonstrate 100% confidence, your team will follow."
Manning acknowledged that he's become known for "making audibles," calling plays ad hoc once his team is lined up in reaction to "something I've noticed on the field."
Manning claimed that his teammates have to trust those instant, snap decisions, and "that if they hear it in my voice that I believe in my decision, that they'll believe in it, too. They'll run better and they'll block better."
But to get to that level of confidence, Manning explained, it requires an enormous amount of preparation. Days of practice, of watching and analyzing game and practice film on his iPad, talking with his teammates.
"Usually there is no one right answer," Manning conveyed, "but you can't build decisions on hope. You need a strong and more stable foundation, and thorough preparation is absolutely essential."
Every week, Manning said, "I gather every piece of relevant information about my opponent, and I study every tendency a defense has. I know exactly what coverage to expect and how to counter it."
But once on the field, he simply "blots out both the spotlight and the noise and then just decides. It doesn't matter what the situation is. I can eliminate options before the ball is even snapped. That allows me to take more calculated risks more confidently."
Because at the end of the day…or perhaps more appropriately, at the end of the fourth quarter, "If you're the boss or the quarterback, that's what you're paid to do."
And even with all that preparation, Manning acknowledged, "it's important to recognize that you can thoroughly prepare and still be hit by a thunderbolt."
"Some decisions in life," Manning explained "just aren't yours to make."
Manning explained his own decision making philosophy as "getting back to zero."
"We have seconds to pick ourselves up off the field after we've been hit and immediately focus on what's ahead. You can't dwell on what just happened, because if you do, your head just won't be in the game."
Manning then channeled that great American writer, Ernest Hemingway: "The world breaks everyone and afterward many are strong in the broken places."
After his injuries in 2011, Manning related that "I've learned to savior what resilience can do for people." His first pass after his rehabilitation "went literally about ten feet," and he explained "it's hard for most people to understand the magnitude of changes and the elasticity needed" after such an ordeal.
He had to take his rehab slowly, that the healing had to "happen at its own pace. And no matter how painful it was, I had to accept that."
Once he arrived in Denver, he explained, he also had "to get my team to trust that I could lead the Broncos. I was now one of them and I was going to put the work into making us a winner."
Despite taking a brutal hit during a preseason game that year, he bounced up for more. "Resilience was the reward for more meticulous preparation and strategic decision making."
Live From IBM Pulse 2013: Day 2 General Session — IBM Tivoli Customers Share Their Best Practices
If you missed Carrie Underwood last evening in the MGM Grand Arena, well…I'm sorry.
Actually, I'd find it difficult to believe anyone from IBM Pulse missed Carrie Underwood, as the place was packed to the rafters, and Carrie did not disappoint.
In fact, quite the opposite…and judging from the line waiting to get in that stretched all the way back to the MGM hotel elevators, well, let's just say expectations were high.
And as we move into Pulse 2013 Day Two, we should maintain those high expectations, because it was clear from this morning's keynote customer interview led by IBM senior vice president Robert Leblanc that today's focus would be on highlighting best practices in building and maintaining smart infrastructures.
IBM vice president Scott Hebner first kicked the session off, explaining IBM's continued commitment to open standards (see yesterday's announcement about IBM's commitment to using OpenStack), explaining that "Just as standards helped us realize the promise of e-business over the last decade, I think the same is going to occur with respect to cloud computing."
Scott also encountered an amusing "blue screen of cloud death" moment, where all systems failed, spinning umbrellas appeared on screen (and in the audience), and colorful chaos people appeared from offstage.
An amusing moment, but one with an underlined headline of warning: Thou who doth go too far forward building on proprietary platforms may findeth one's business in cloud computing chaos!
Scott next handed the baton to Robert Leblanc, and it was time now for Robert to introduce a range of IBM Tivoli clients operating in a garden variety of industries: Steve Caniano, Vice President, Hosting, Applications, and Cloud Computing with AT&T; Robert Pierce, Assistant Vice President, Information Services, Carolina Healthcare; Eduardo Bustamante, Director of Systems and Telecommunications, Port of Cartagena; and Tony Spinelli, Chief Security Officer, Equifax.
First, he cleared the decks and set up the big picture: Technology is now the number one issue for CEOs, as they recognize it could make or break their success. Big data, mobile, and cloud loom over the horizon as competitive differentiating technologies, and, increasingly, are table stakes.
Security is more of a risk, but going on the offensive beats succumbing to the nastiness of the defensive (read the cyber security headlines lately?).
And yet…and here was the key point of the best practices session…only one in five CEOs feel they have a highly efficient IT infrastructure, one that's versatile and dynamic and can adapt to the ever-changing whims of an admittedly volatile marketplace.
And Robert delivered more bad news (admittedly, he did so with a smile): 70 percent of CIOs lack proper visibility into their cloud systems, 78 percent are NOT using mobile device management, and 53 percent lack the proper automation of securing their assets.
Oh, and only one in ten feel they have the skills and capabilities they require.
Robert asked each of the IT executives about their respective environments and challenges.
Steve from AT&T observed that "cloud computing is a team game" but that "hybrid types of solutions needed to be deployed," and he explained AT&T's partnership with IBM had been key in this regard.
Robert with Carolina Healthcare explained in the field of medicine that "mobility has become a key differentiator" and that the new doctors coming up "expect robust information technology services" or else they'll find someone else's hospital to work at.
He went on to explain that Carolina had begun to use IBM's Endpoint Manager to manage some 38,000 desktops, laptops, iPads and iPhones.
Eduardo had a different set of challenges, operating in a much more "physical" realm in using IT services to better orchestrate the cacophony of trains, cranes, and other moveable assets. He indicated the Port of Cartagena is implementing RFID in concert with IBM Maximo technologies to better manage and move those assets efficiently around the port, and in the process, adding a layer of analytics to allow for continuous improvement of that physical instrumentation.
And Tony with Equifax got a laugh from the audience when he started by stating that "Everyone in this audience wants me to do a great job," acknowledging the company has and must protect the information of individuals and businesses around the globe.
He suggested companies need to move beyond simply "naming the bad actors" in the security intrusion front, and instead move to "better understand those bad actor's strategies and tactics" so they can better prioritize, respond to, and yes, even prevent those incidences from occurring in the first place, something Equifax is doing through the implementation of improved security intelligence using IBM QRadar technology.
"By having better security intelligence on the battlefield," Tony explained, "you're better prepared."
"Not all assets are created equally," he explained, speaking, of course, for Equifax, but acknowledging a much broader theme and challenge to the gathered IBM Pulse crowd.
IBM Addresses Next Shift In Enterprise Cloud Adoption
Here at Pulse 2012 today in Las Vegas, IBM unveiled new software that represents a significant advancement in the level of visibility, control and automation for organizations to securely manage and deploy cloud services.
A recent IBM Institute for Business Value study found that 90 percent of organizations expect to adopt or substantially deploy a cloud model in the next three years. As organizations take the next step beyond virtualized data centers and expand their cloud environments, they are faced with what has become known as "virtual image sprawl."
Virtual images are typically between five to 20 gigabytes in size. Multiply that by the thousands of virtual images created today, with larger enterprises having five to twenty thousand virtual machines, making it costly and challenging for IT managers who are tasked with improving service levels.
"Virtual images are tripling every two years, outpacing the doubling in compute power and essentially flat IT budgets. With current operating practices, every two years, you'd need 1.5 times the physical infrastructure to support cloud and twice the labor. That's an unsustainable cost and management problem which is the exact opposite of the promise of cloud," said Daniel Sabbah, general manager, IBM Tivoli Software. "We are delivering a much higher level of control over cloud service delivery allowing our customers to quickly, easily and affordably move to higher levels of value beyond virtualization."
IBM's new SmartCloud Foundation offerings allow organizations to install, manage, configure and automate the creation of cloud services in private, public or hybrid environments with a higher level of control than previously available in the industry. Collectively, the new offerings will help clients speed delivery, lower risk and better control the move to deploy cloud alongside their existing production environments.
Increasing Speed & Quality
IBM is offering clients great value and flexibility by delivering best practice cloud services. With IBM SmartCloud Provisioning, new services also can be deployed in minutes rather than hours.
As enterprises look to accelerate delivery and realize agility, many are starting their cloud implementation journey around their development, test and deployment operations.
SunTrust bank is working with IBM's DevOps solution to increase their business agility while increasing operational discipline, quality, customer satisfaction and governance. Utilizing a cloud environment, SunTrust developers have been able to achieve application build times up to five times faster.
Building on that and other experiences with clients, IBM will be releasing new capabilities with IBM SmartCloud Continuous Delivery.
The new software is a suite of best practice patterns for enabling integrated lifecycle management of cloud services, combining Rational Collaborative Lifecycle Management solutions with IBM SmartCloud Provsioning. The recent Green Hat acquisition will further extend these capabilities reducing development lifecycle times by streamlining test cycles as applications are transitioned to cloud deployments.
Clients using the software have seen dramatic results, including:
- Shortened delivery time from months to days through end-to-end automation, standardization and repeatability
- 20 percent reduction in resource costs while increasing predictability of deployments through low touch and self-service
- 40 percent more agility by streamlining operation and development collaboration with in-context communication
- 20 percent increases in application service availability and performance by improving stakeholder alignment of development, test and ops
Reducing Risk, Controlling Complexity
Enterprises view cloud computing as a way to improve responsiveness and change the economics of IT. At the same time, the envelope of IT is stretching way beyond the data center, networks and workstations to new classes of mobile assets with embedded intelligence.
Clients need to exert the same control over this virtualized, distributed world as they would exert over prior models of IT. In order to address this IBM has launched new offerings, including:
- IBM SmartCloud Control Desk provides organizations the ability to maintain configuration integrity in response to planned changes and unplanned incidents and problems occuring across a complex IT landscape to ensure continuity of service, speed of response, and efficiency of management.
- IBM Endpoint Manager for Mobile Devices helps firms better manage and secure their mobile environments, including iPhone, iPad, Android-based phones and tablets, Windows Phone and Nokia Symbian devices. With the ability to install in minutes, organizations will quickly be able to remotely set policies, monitor employees' devices to identify potential data compromise and wipe data off the devices if they are lost or stolen.
By leveraging key innovations in cloud environment capacity analytics, storage utilization and optimization, operations teams can shift their focus from managing environment bottlenecks to delivering innovative best of breed services. IBM is offering:
- IBM SmartCloud Monitoring enables cloud administrators to maximize cloud availability and utilization by monitoring virtual infrastructures and applying analytics to optimize workload placement
- IBM SmartCloud Virtual Storage Center improves the flexibility, cost, utilization and performance of storage with automated administration, management and provisioning controls.
About IBM Cloud Computing
IBM has helped thousands of clients adopt cloud models and manages millions of cloud based transactions every day. IBM assists clients in areas as diverse as banking, communications, healthcare and government to build their own clouds or securely tap into IBM cloud-based business and infrastructure services. IBM is unique in bringing together key cloud technologies, deep process knowledge, a broad portfolio of cloud solutions, and a network of global delivery centers.
IBM Pulse 2012: Day 1 Keynote Session: Business Without Limits
This morning's keynote session at Pulse 2012 keyed in on several key themes critical to managing the world's infrastructure. Opening musical act, Naturally Seven, lent their own seven cents, explaining through song and human-voice driven instruments that "I Built This Wall Around Me, I Built this Wall From The Ground, See."
There's a whole lot of building from the ground up that's been going on with respect to some of the key areas the Tivoli portfolio focuses on. And IBM Tivoli customer Wellpoint joined the stage to discuss some of those changes in the healthcare industry.
George Zaruba, VP for Tech Strategy there, explained that Wellpoint is one of the U.S.' largest healthcare benefits companies, with some 37,700 associates. Major industry shifts are requiring Wellpoint to reinvent itself and in its relationship with the end customer, and to be able to deliver services in ways its customers are used to and comfortable with. "Our delivery model needs to be secure and stable and reach users across a myriad of devices and platforms," he explained.
Which means infrastructure needs to be everywhere, and which will allow Wellpoint to manage the effectiveness of their customers' experience.
That's why infrastructure needs to be everywhere, to have full visibility into core services. Zaruba explained "We've achieved this over the past several years with ITIL management and best practices, and virtualization of storage and services."
That also led Wellpoint to its partnership with IBM Watson, which Wellpoint is currently working on as the first industry deployment of that important technology to "find the best answers to some very tough medical questions."
Next up, IBM VP Scott Hebner joined the stage and explained there are "8,000 of you from 79 different countries."
That's some Pulse!
Hebner explained IBM is "obsessed about learning from our clients, and this conference is a reflection of our obsession, which focuses on real-world experiences and bottom line results."
Hebner explained the opportunities are vast and unprecedented, and yet "the opportunity highway has ditches on both sides of the road." The implication being, try and stay out of the ditch!
Hebner shared some factoids: 80% of CEOs surveyed by IBM anticipate turbulent changes and bold moves, and 64% of CIOs work as senior business execs in their orgs to drive innovation.
And yet, still, there's a 3X gap increase between the desired needs and the actual outcomes.
Red meat to this gathering of IT gurus, Hebner also explained jobs related to technology are forecasted to be the fastest growing segment through 2018, with cloud jobs increasing 60%, and mobility, 50%.
But, the planet on which we operate is rapidly changing thanks to the proliferation of lower-cost technologies. People, systems, and objects can interact with one another in entirely new ways, and that creates new opportunities and expectations.
Infrastructure is now everywhere, he explained, across every industry. Where does my business infrastructure begin and end these days? How do I turn this new reality into an advantage.
Business without limits, is what Hebner explained this as. The smarter approach turns data into insights in real time, at the point of interaction — it must, as we can now instrument everything, from the devices in the home to the processes themselves, giving us millions of data points.
To help explain this opportunity, IBM senior VP Robert Leblanc joined the stage and suggested there's no escaping all this change, and that technology was a key enabler, according the IBM CEO study stretching back to 2004. Beyond "market forces," technology is considered a requirement by CEOs to enable their businesses to adapt to all this change.=
"How do you drive the speed that the business needs to adapt to its markets?" Leblanc inquired. The answer, simple to say, harder to do: Focus on fundamental business imperatives: 1) Build 2) Reinvent, 3) Uncover.
That is, create operating dexterity while creating new customer relationships and uncovering new profit streams.
Most clients want to reinvent around their customer relationships, Leblanc explained, and if you look back 25 years ago, those that lead the industries are different from the leaders today. The CEO is making it clear: I need change, and IT has to change with it.
Leblanc then shared some data as to what is driving an unprecedented shift in technology: Analytics, 83%. Followed by Mobility, 75%. And virtualization, 68%.
Insight. Everywhere. No matter where.
Implicit to all this, underlying concerns about security, and a focus on achieving all these desired business outcomes through "visibility," "control," and "automation."
To have full visibility of the span of your infrastructure, you must have and assert control, and in order to be able to focus on new value added initiatives, you must automate the more mundane but critical capabilities.
Some examples, Leblanc explained: China Great Wall improved server utilization by 30%. BlueCrossBlueShield of North Carolina saved 5,000 hours of staff time by automating security processes. SunTrust improved productivity by automating 50% of manual processes.
Finally, it was Tivoli General Manager Danny Sabbah's time to speak, and Danny explained how all of these changes and trends are re-orienting Tivoli customers' outlooks and the things they specifically need to be focused on.
He explained that "our world is changing drastically whether we like it or not," and that "simply put, we're being forced to rethink the way we run our businesses."
We find ourselves at the vortex of three dominant transformations taking place in IT: Mobility, Smarter phsyical infrastructures, and security.
Mobility, he explained, is nearly ubiquitous, and now accounts for 40% of the total number of devices accessing business applications.
We're seeing embedded intelligence and resultant smarter physical infrastructures where previously passive devices are now equipped with sensors and RFID tags and other tracking capabilities. Companies are now building applications to exploit the data gathered from these smart devices to better understand and run their operations.
And thirdly, security threats have become an integral part of this much larger montage. The more embedded intelligence, the more mobility, the more ways we execute commerce, social collaboration, and so on. So, security must become part of everything we do.
This intersection, then, has spawned an even greater degree of complexity across business infrastructures, and the environment we find ourselves in has become more interconnected, moresusceptible to threats and even more difficult to manage.
Utilizing the power of cloud computing, IBM is tackling these issues head on with its customers. But if you want hype and marketing, Sabbah concluded, you'll have to go somewhere else because "this conference is about solving real problems in the real world."
The IBM Pulse 2012 Circus Begins
Greetings from Viva Las Vegas, Nevada.
I arrived here under the cover of darkness yesterday.
Actually, I arrived in the afternoon, but "cover of darkness" sounds so much more dramatic.
It's been a crazy week on the road, but we're only halfway through. Now, Pulse 2012 starts.
Pulse is one of my favorite IBM Software events. It was Tivoli that brought me back to my native Texas, and to Austin in particular, in the summer of 2001.
I made a lot of great friends during my time working with the Tivoli brand, and I also got a lot of great work done.
And Tivoli has evolved over the past eleven years. Dramatically.
I need not tell any Tivolian, customer or employee, that.
For my money, it's evolved all for the better. The focus of the Tivoli business has far expanded well beyond its core systems management focus, which is what it was centered around when I arrived.
Here's a factoid: I've never seen a Cirques du Soleil performance. Until last night, when I took in the "Ka" show here at the MGM Grand.
That might seem like a random transition. But follow me here. A Cirques du Soleil performance is like one big ecosystem that must be managed across its disparate parts.
A former theatre major myself, I watched in fascination at all the systems that were in play during the Cirques' performance of "Ka." The massive staging and hydraulic systems. The flying systems that allowed the performers to defy gravity. The house staff that welcomed the audience into the show. The audience itself. The cast. The scores of stagehands in the background.
If you've seen a Cirques du Soleil performance, you know of which I speak: It's a massive and complex linkage of disparate systems coming together to create the wonder that are their shows.
These days, your world is a lot like all those systems. And to be able to understand and manage it all, and extract new value out of the knowledge you have about all those systems…well, that's where Tivoli comes in.
I'm going to leave it at that, lest you think I'm completely off my rocker. But, I've done my homework preparing for Pulse 2012, and between the focus on managing mobile, physical assets and infrastructure, the cloud, and the underlying security, there's plenty of opportunity for systems linkage and improved understanding of those systems.
So, welcome to Las Vegas for Pulse 2012.
Speaking of systems, be sure and check your bathroom for Bengali tigers. I think it's just always better to be safe than sorry.
In the meantime, keep an eye here on the Turbo blog and on the Twitter hashtag #ibmpulse. There's going to be a firehose of information coming at you these next few days!


text: Starting in a straddle, turn your left foot to face to the left, then shift your right hip back. Reach your left arm forward and land your hand on your ankle or foot. Raise your right arm overhead as you lean your torso back. Hold for eight breaths, then repeat on the other side.


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text: Daniela has 15+ years of experience in the Financial/Banking and Accounting fields. She has a Bachelor's degree in Accounting from The University of National and World Economy in Sofia, Bulgaria. Additional CPA classes at Cleveland State University further enhanced her accounting skills and equipped her with a solid base of knowledge in the field. Daniela worked as both a financial advisor and an accountant which gave her extensive practical experience in managing accounts and financial reports. Daniela not only manages all Brickhaus accounts, but also supports and contributes to the Brickhaus vision of meeting clients' expectations. Daniela, who speaks Bulgarian, German and Russian, is engaged to be married.


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You can learn more about the Middlesex Fells Reservations here.
Posted in Branches, Inspiration, Nature Notes, tagged abstract, autumn, hiking, Inspiration, landscape, light, Long Pond, Middlesex Fells Reservation, nature, outdoors, Photography, reflections, water on October 6, 2014| 7 Comments »
You can learn more about the Middlesex Fells Reservations here.
Posted in Inspiration, Nature Notes, On the Road, tagged Bay of Fundy, butterflies, Canada, colors, eyes, fishing, Grand Manan, Inspiration, islands, nature, New Brunswick, outdoors, Photography, seagulls, seals, travel, wildlife on June 25, 2014| 6 Comments »
I do not know the name of this little fellow. All I know is that once Steve took the rod from my hands and began jiggling the line, this creature clamped on tight. Steve hauled him up long enough for me to snap a picture and then he was released back into the bay.
This lovely trio stared me down as I walked toward them. I think they quickly realized I knew very little about fishing and so they patiently waited for the lobster boats to return to dock.
Can you see the bright eyes of this seal? I was scanning the waves for a whale so I nearly missed this svelte form bobbing up and down in the waves. I heard tell of a green snake in the woods and saw deer hoof prints in the mud but few other animals did I see this past weekend, up north, except for this butterfly feeding on minerals in the soil.
You can see more images from a weekend journey to Grand Manan here, and learn more about this beautiful island here. A very short trip from where I live — a drive and then ferry ride — but somehow it was a world away.
Posted in Inspiration, Nature Notes, tagged fish, fishing, Inspiration, Middlesex Fells Reservation, nature, outdoors, Photography, Spot Pond, water, zen on August 25, 2013| 2 Comments »
I have always appreciated the "zen of fishing." Placing a line in the water and just reflecting on life as I watch the wind make ripples upon the water. But this time, for the first time, something actually took the bait. It was a little fellow thrown back into the depths. We'll see what happens next time. 😉
Posted in Branches, Inspiration, Nature Notes, tagged abstract, colors, Inspiration, landscape, Middlesex Fells Reservation, nature, nature photography, outdoors, Photography, trees on August 14, 2013| 4 Comments »
Posted in Branches, Inspiration, Nature Notes, tagged abstract, Inspiration, light, musings, nature, outdoors, Photography, shadows, silhouettes, trees on July 24, 2013| 4 Comments »
I suppose I would have found more calm and focus sitting quietly at the base of the tree but …
it was more fun to race around peering deep into its canopy …
and, in the shifting light, not to worry about focus at all.
Posted in Inspiration, Nature Notes, tagged abstract, colors, Inspiration, landscape, nature, outdoors, Photography, rain, sunlight, water, weather on July 22, 2013| 8 Comments »
As soon as we returned home from the beach, the rains began but the sun was still shining so bright. It made each drop sparkle like the proverbial diamond. With no expectation of outcomes, it was fun to lean out the window and photograph the falling water.
Posted in Inspiration, Nature Notes, On the Road, tagged art, arts, figures, human form, Inspiration, nature, outdoors, Photography, Revere Beach, sand sculpting on July 22, 2013| 8 Comments »
As a child I made mud pies dusted with dry sand as if it were confectionery sugar, but sculpting sand into delicate forms? Never learned that magic art.This particular sculpture, Imprinted, was one of several featured at this weekend's Revere Beach Sand Sculpting Festival and was created by artist Sue McGrew from Tacoma, Washington.


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Galaxy A (2018) series may tout the Infinity Display
The Infinity Display was introduced by Samsung with the Galaxy S8 and Galaxy S8+ earlier this year. Samsung has now brought it to the Galaxy Note series as well with its latest flagship. It would make sense for the company to bring the Infinity Display to its premium mid-range smartphones too.
According to Twitter leakster @mmddj_china, the Infinity Display is coming to the Galaxy A series. Samsung already launched this year's iteration of the series back in January. Therefore, it can reasonably be expected that the Galaxy A (2018) will feature the Infinity Display.
Whether or not Samsung will bump the resolution up to Quad HD for these handsets remains to be seen. What we can expect is for them to have dual-edge curved displays with minimal bezels. This would allow for an increased screen-to-body ratio on those handsets.
No further information is available at this point in time about the Galaxy A (2018) series. It will certainly come with upgraded internals and might possibly have a dual camera system as well.
Samsung has said nothing about the Galaxy A (2018) as yet so take this with a grain of salt. We still have a long way to go before the company is due to unveil the latest iteration of its Galaxy A series.
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S8 features into A series? Why not!!
Samsung's strategy of giving ALL bells and whistles in the flagship and the pulling individual key features from flagships and putting them in a different midrange phone is terrible (e.g f1. 7 camera in one, samsung pay in another, infinity display in third mid range phone). It will kill the exclusivity of the flagship and people will move away to true exclusive flagships like the iPhone.
And the middle-line consumers will switch from Samsung to other manufacturers xD
If that's the case I will looking elsewhere when it's time to buy a new phone. I'm not buying a phone with a defective by design display.
So true! I don't need distorsions on edges and rounded cropped corners. If you make a screenshoot on those phones and view them on a NORMAL flat screen, you will see the UI nice, flat and with square corners, like IT SHOULD be and IT's actually IS. So the representation on those curved and rounded corners displays are INNACURATE!
SAMMOBILE J7 2016 has Nougat 7.0 in Russia !!!
Thank you for this information. It had the Galaxy S7 interface or the Samsung Experience 8.1 interface of the Galaxy S8?
It had the s8 samsung experience 8.1 interface and the security paches are updated in August


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I, a resident of the Kansas City metropolitan area, am tired of eating at horrible fast food restaurants when there is a viable option. I wish to have the option of eating at White Castle in my area.
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Prints dropped off - July 15, 2016
It was a long night last night, getting all the prints prepared, tagged to the specifications of the Gift Shop for the Sooke Fine Arts Show, certified for authenticity, and wrapped. Then I was off early this morning to make a stop at Artwork in Victoria to get the unframed prints into their clear sleeves, prior to delivering them in Sooke.
I didn't have time to get proper jpegs of the prints as there wasn't enough time, but tired and not feeling very photogenic by then, my son took a few pictures: one with 2 of the Canvas prints mounted on 1 1/4" frames (on the left) and 2 unframed giclee prints (on the right).
After the delivery, being such a beautiful day out, I decided to treat myself to a wee side trip to French Beach to take a stroll and soak in the sounds of the waves.
Andre Prevost, began his work in theatre in the late 70s after completing his studies at the Banff School of Fine Arts, and in his iconography in 1980, and having a large body of work in each. He has since been based in Western Canada; North Vancouver, Edmonton, Winnipeg, and now back on the West Coast.
February 2020


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The companys' interest is increasing in marketing and mobile advertisement with using various mobile contents, as mobile(smart phone, feature phone) and mobile device's world market is rapidly growing and its data usage and network technology is advancing. LOG is providing the mobile analysis ASP (Application Service Provider) which providing detailed report on mobile web about visitor's individual visiting history and mobile environment, as mobile market is growing.
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Mobile analysis introduction menu
" ■ " display data is specialized skills in the log only. It is not available in other log analysis.
|Top category
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|Internet browser
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|Page/directory analysis
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|Detailed analysis by page
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In separate reports published Monday, researchers found that only a short window of opportunity remains to prevent widespread, irreversible planetary-scale impacts...
The two studies reveal that factoring in current emissions, as well as a wide range of future trends, we may have already locked in a temperature rise surpassing the universally agreed-upon global warming target of 1.5 to 2 degrees Celsius — which the 2015 Paris accord sought to set as an upper limit.
If all the world's human-derived sources of greenhouse gases stopped today (which obviously will not happen), by 2100 global temperatures would stabilize somewhere between a temp slightly cooler than the current average and about 2.3 degrees higher than preindustrial levels, according to the first study. That report found a 13 percent chance that the hard-won target of 1.5 degrees favored by small island states was already lost.
The second study simulated 100,000 potential future versions of our civilization out to 2100. In only about 1,000 of them, or around 1 percent, did human society move quickly enough to avert a temperature rise of greater than 1.5 degrees. "We're closer to the margin than we think," said Adrian Raftery, lead author of the simulation study.
All the more reason to do whatever it takes to change our culture now.
July 31, 2017
source: http://grist.org/
original story HERE
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Articles & Content
DB2 System Performance, Peeling the Onion (A06)
Topic: 2009 NA
Subtopic: DB2 for z/OS
SPEAKERS: Joel Goldstein (Responsive Systems Company)
This presentation addresses the approaches, values, thresholds, triggers, and relationships ofperformance data analysis. Performance monitoring, analysis, and tuning should be a pro-active and continuous process; however, this often gets neglected because people are too busywith other work, or they are not sure what data is really important. Certain thresholds anddata provide quick insights about problems both at the application level, and the system level. As you peel back the layers of performance information, each area that we improve has animpact upon other areas. These performance layers are a lot like the layers of an onion. Westart from the obvious outside metrics, and work our way in to lower levels of performancemeasurements and tuning opportunities.
EXP. LEVEL: Intermediate
Sources of data
Key Performance Thresholds and Indicators - There are many inter-relationships
Rules of thumb - what is good, what is bad, what is gray...
Applying the metrics of your system
The path to better performance is not always obvious
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NOTE: These are only open to members of IDUG. If you are not a member, please CLICK HERE for more information.