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Pump Up Your Portfolio With ETFs
Similar to mutual funds, exchange-traded funds (ETFs) allow access to a number of types of stocks and bonds (or asset classes), provide an efficient means to construct a fully diversified portfolio, include index- and more active-management strategies, and are comprised of individual stocks or bonds. But, ETFs differ from mutual funds in ways that are advantageous to investors.
More from Investopedia:
Unlike mutual funds, ETFs are traded like any stock or bond and offer liquidity throughout the day. Moreover, ETFs generally do not pay out dividends and capital gains - instead, distributions are rolled into the trading price, avoiding a taxable event.
In this article, we'll show you how to add these funds to your portfolio to make it more liquid, user-friendly and profitable.
Portfolio Construction
Modern portfolio construction theory (MPT) is centered on the concept that asset classes behave differently from one another. This means each asset class has its own unique risk and return profile, reacting differently during various economic events and cycles. The idea of combining various asset classes, each with unique attributes, is the basis for building a diversified portfolio. ETFs provide small investors a vehicle to achieve asset class diversification, substantially reducing overall portfolio risk.
Risk reduction is a concept that means many things to many people; therefore, a brief discussion of its use in this context is warranted.
Reducing Risk
Many investors believe that by holding a portfolio of 30 or more U.S. large-cap stocks, they are achieving sufficient diversification. This is true in that they are diversifying against company-specific risk, but such a portfolio is not diversified against the systematic behavior of U.S. large-cap stocks.
For example, U.S. large-cap stocks' monthly returns as a whole average in the high teens, as seen in the S&P 500 15% average return from 1997 to 2007. So this means that if you held just U.S. large-cap stocks, you should reasonably expect to see volatility in your portfolio of plus or minus 15% on any given month. Such a high degree of volatility could be unsettling and drive irrational behavior such as selling out of fear or buying and leveraging out of greed. So risk reduction in this context is the minimization of monthly fluctuations in portfolio value.
Many ETF Asset Classes
There are many equity asset class exposures available through ETFs. These include international large-cap stocks, U.S. mid- and small-cap stocks, emerging market stocks, and sector ETFs. Although some of these asset classes are respectively more volatile than U.S. large caps traditionally, they can be combined to minimize portfolio volatility with a high degree of certainty. Simply put, this is because they generally "zig" and "zag" in different directions at different times. However, in times of extreme market stress, all equity markets tend to behave poorly over the short term. Because of this, investors should consider adding fixed-income exposure to their portfolios.
ETFs also offer exposure to U.S. nominal and inflation-protected fixed income. Unlike equities, fixed-income asset classes generally offer mid single-digit levels of volatility, making them ideal tools to reduce total portfolio risk. However, investors must be careful to neither use too little or too much fixed income given their investment horizons. You can even purchase ETFs that track commodities such as gold or silver or funds that gain when the overall market falls.
Investment Horizon
An individual's investment horizon generally depends on the number of years until that person's retirement. So, recent college graduates have about a 40-year time horizon (long-term), middle-aged people about a 20-year time horizon (mid-term), and those nearing or at retirement have a time horizon of zero-10 years (short-term). Considering that equity investments can easily underperform bonds over periods as long as 10 years and that bear markets can last many years, investors must have a healthy fear of market volatility and budget their risk appropriately.
Let's look at an example:
It could be appropriate for a recent college graduate to adopt a 100% equity allocation. Conversely, it could be inappropriate for someone five years away from retirement to adopt such an aggressive posture. Nonetheless, it is not uncommon to see individuals with insufficient retirement assets bet on equity market appreciation to overcome savings shortfalls. This is the greed side of investor behavior, which could rapidly turn to fear in the face of a bear market, leading to disastrous results. Keep in mind that saving appropriately is just as important as how you structure your investments.
ETF Advantages in Portfolio Construction
In the context of portfolio construction, ETFs (especially index ETFs) offer many advantages over mutual funds. First and foremost, index ETFs are very cheap relative to any actively managed retail mutual fund. Such funds will typically charge about 1-1.5%, whereas index ETFs charge fees around 0.25-0.50%. Consider the benefits of saving 1% in fees on a $1-million portfolio - $10,000 per annum. Fee savings add up over time and should not be discounted during your portfolio design process.
Additionally, index ETFs sidestep another potential pitfall for individual investors: the risk that actively managed retail funds will fail to succeed. Generally speaking, individual investors are often ill equipped to evaluate the prospective success of an actively managed fund. This is due to lack of analytical tools, access to portfolio managers and overall lack of a sophisticated understanding of investments. Studies have shown that active managers generally fail to beat relevant market indexes over time. Prospectively picking a successful manager is difficult for even trained investment professionals.
As such, individual investors are wise to avoid active managers and the need to continuously watch, analyze and evaluate success or failure. Moreover, because the majority of your portfolio's return will be determined by asset class exposures, there is little benefit to this pursuit. Avoiding active managers through index ETFs is yet another way to diversify and reduce portfolio risk.
In summary, index ETFs can be an invaluable tool to individual investors in constructing a fully diversified portfolio. They offer cheap access to systematic risk exposures such as the various U.S. and international equity asset classes as well fixed-income investments. They are traded daily like stock and can be purchased cheaply through your favorite discount brokerage firm. Index ETFs also avoid the risks of active management and the headaches of monitoring and evaluating those types of products. All in all, index ETFs offer unsophisticated investors the opportunity to build a relatively sophisticated portfolio with little headache and substantial cost savings. Consider them seriously in your investment activities.
by Eric Petroff
Eric Petroff is a senior consultant at Hammond Associates. He is a career investment professional and has worked in the industry for more than a decade. Eric received two Bachelor of Arts degrees from DePauw University in Indiana, one in economics and the other in Russian. Thereafter, he attended Webster University in St. Louis to obtain a Master of Business Administration with an emphasis in finance while simultaneously completing the Chartered Financial Analyst (CFA) designation. He is a member of the CFA Institute and the President of the CFA Society of St. Louis for 2007-08.


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Wynn Stenftenagel
Executive Pastor of Compassion Ministries
Office: 512-258-6017 x275
Wynn Stenftenagel is an ordained Elder, and has been serving in a variety of pastoral roles at Bethany since January 2006. Her major responsibilities are pastoral care, Stephen Ministry, grief work, visitation, financial assistance, and worship activities. Wynn is a graduate of Indiana University and Austin Presbyterian Theological Seminary. She has been married to Chris since 1994. Wynn serves on the board of New Life Institute and the Annual Conference Worship Planning Team. She is a big fan of reading and hiking as much as possible, often at the same time.
Erin Temple
Director of Care Ministries
Office: 512-258-6017 x 281
Erin Temple has been at Bethany since July 2017 and is inspired daily by the caring and compassionate staff and church members here. She is a graduate of The University of Texas at Austin (Hook Em!), has a Master of Theological Studies from Southern Methodist University's Perkins School of Theology, and has served in youth ministry, adult discipleship, and Christian media and publishing. Erin primarily oversees Bethany's ReWYRE ministry, funeral hospitality team, Care by Cooking and special needs events and enjoys brainstorming new ways for Christians to care. She is married to Daniel who takes very good care of her.
Dave Lutz
Care Ministries Pastor
Office: 512-310-9451
Pastor Lutz has been working part-time as Bethany's Care Ministries Pastor since the summer of 2002. His major responsibilities are working with older adults, visitation of the sick and homebound, and working with those who have dementia and their caregivers (through the Alzheimer's Support Group as facilitator and the House of Friends in a variety of roles—working with participants, leading worship, serving on the Strategic Planning Team and the Program Team). He also teaches two courses for Caregiver University: Powerful Tools for Caregivers and The Savvy Caregiver. In addition, he teaches Disciple, Spirit Walk, and adult Sunday School classes, primarily on topics of the Bible, history, and archeology. He has worked in the field of higher education as professor, administrator, and program director for over 30 years. He also has served as associate pastor, pastor, and interim pastor in churches in Ohio, New York, Pennsylvania, and Connecticut. He is a retired ordained elder in the New York Annual Conference and has been working at Bethany after moving to the Austin area. He has a B.A. cum laude from Bucknell University, the B.D. and M.Div. from Colgate Rochester Divinity School, and the Ph.D. in Old Testament Studies from Drew University.
Susie Petersen
House of Friends Director
Office: 512-258-6017 x254

subset: commoncrawl


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Murrell continued to eviscerate his way through the South's slave population on a wagon of false hope until he was finally turned over to the authorities and punished for his crimes. Unfortunately, this being the antebellum South, his crimes amounted to nothing more than "property theft."
That's right; the powers-that-be were far more concerned with Murrell committing grand larceny than they were with how he had coldly murdered and disemboweled several human beings. As such, he was charged with "Negro stealing" (again, the 1800s) and sentenced to ten years in the slammer. Once he got out, he spent the rest of his days eking out a meager living as a blacksmith. Good to know he could put that little bump in the road behind him.


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Oct 12, 2019
An exceptionally organized course with sufficient examples, it provides an in depth analysis of the concepts introduced (optimization, decision trees, forecasting, simulations) and of the tools used.
Aug 12, 2016
This module is really good for those of us who need to plan strategically ahead. It helps answer a lot of questions that business leaders will grapple with as they try to look ahead in the business.
创建者 Yang Z•
Mar 16, 2016
This is by far the best Wharton course on Coursera. The course materials are well prepared and easy to follow. It is really nice to have practice questions so I can test my understandings before to take the Quiz. The instruments in Quiz are well designed and no outliners appears. Overall, this course set the bar of outstanding quality of an online learning experience.
创建者 rahul o•
Oct 08, 2017
Perfectly explained course if you want to deal with data specially when uncertainty is involved in the future while you are making predictions on your data. Apart from that a lot of inbuilt excel tools(solver,random number generator) used for solving complex problems involving constraints came in handy which before this course i had no knowledge about.
创建者 Michael L•
Jan 16, 2016
The Course instructors did a tremendous job taking hard/difficult concepts and distilling those concepts into simple to follow examples. They broke problems into pieces which allowed each video/section to build on one another--this approach was quite effective at starting simple and becoming more complex over time. I highly recommend this course.
创建者 Amit V•
Aug 17, 2017
Many, many important concepts and techniques taught in a very lucid manner. Particularly enjoyed sessions by Sergei and Noah. However, sessions by Senthil need to improve drastically on editing and on explanation of more difficult concepts - too much time was spent on simple, basic concepts while difficult ones were almost glossed over.
创建者 rohit r•
Sep 12, 2016
One of the best lecture and course I have ever seen .World's best Colleges brought to the DOOR and Lectures from the World Class lecturers. Thank You Professors and the program Manager. Thank You Coursera. While other online education platforms are busy making money , you have set benchmark to the education world. Thank you.
创建者 aakash c•
Aug 17, 2019
The course is very appropritate to understand the problems which are very centric to the operation management function. The highlight of the course for me was decision tree analysis.
The course covers descriptive statistic techniques, Simplex method (linear and non linear both), transportation models, simulation techniques and so on.
创建者 Kavitha S•
Dec 30, 2016
A great course that takes you into the various analyses involving Moving Averages, Time Series and other forms of analyses. The quizzes were pretty time consuming, had to work through the problems in a detailed manner in Excel, and did take close to an hour to complete the quizzes, but they were pretty straight forward.
创建者 Shruthi•
Jun 14, 2017
The course gives us a great start point to understand the supply and demand problems and methods of solving them. Along with a good amount of theory the course enables one to learn a few excel methods that are helpful in optimization problems. The hands on part of the course makes it interesting and easy to follow.
创建者 Deborah L•
Aug 07, 2016
With a lot of Excel practices and step by step explanations, this module is enabling to grab the concept theoretically, but also learn with application. It is very clear, very helpful, and with a gradual learning in difficulty that let you use former learnings for the following steps.
Highly recommended course!
创建者 Elisabeth S•
Apr 09, 2018
Such an interesting and challenging course. I had to work hard to understand the mathematical side of the course, which was a challenge for me, but very rewarding when I achieved such a high grade. I loved the way that you guided us through Excel and we learnt by new skills by actually doing them. Brilliant.
创建者 Damilla M A M•
May 16, 2017
It's a good start for everyone for wants to know how Operations decisions should be made. This course present the logic behind expensive softwares and as my professor says, the difference between an ordinary Operations manager and an extraordinary lives in the details, as to know how the softwares think. ;)
创建者 Ranadheer•
Dec 10, 2016
Amazing and detailed explanations by professors made me anxious and excite about business analytics,
the best part is evaluation process and finally by getting the certificate from Wharton school which is my dream college,I feel very proud
Thank you coursera for this beautiful learning experience....!!!
创建者 Messias M U•
Mar 26, 2016
Operations Analytics shows how complex is the process of devising the future. However, statistical models minimize the forecast and maximize the potential of returns. It's what i like in these business subjects: the fact that wealth is not a product of luck or mystery. It is predictable!
创建者 Santiago F C A•
May 30, 2017
I loved every minute of this course. It gives you a basic theoretic knowledge that you can easily expand on and makes sure that you are able to start doing your own optimization thanks to the practice-oriented lectures and the extra problems at the end of each week.
创建者 Amar S•
Aug 17, 2019
The course content is very much useful and relevant to practical decision making of business world. It helped me a lot in learning Decision Tree Analysis, Mathematical operation, Optimization and Microsoft Excel function like data analysis and solver operation etc.
创建者 Adams A J•
Mar 19, 2016
The professors gave the students many tools to go and use solve some basic operational problems within a business. I really appreciated the Excel sheets being easy to understand, and I will definitely be referring to them as I grasp more knowledge of the material.
创建者 Helder R V•
Feb 26, 2016
Excellent material, plenty of practice problems with relevant examples. The best i have seen so far. The teachers really take their time to explain every detail, it's impressive.
I recommended it to everyone looking to get more experience/knowledge in the subject.
创建者 Krithivasan K•
Aug 16, 2016
The course was engaging and easy. It dealt with some unique and practical concepts which would be helpful for our future career. These concepts were dealt with in a subtle and easy way. The use of excel also helped in learning some new things in every session.
创建者 Rodrigo A•
Mar 31, 2018
Incredibly cool exercises. It would be interesting to find examples on how current tech companies like (Uber, Amazon, etc) are facing demand based problems for us e-learners to understand how these solutions can be applied to current business problems. Good job!
Jul 28, 2016
This is the first course am completing frm coursera. It's amazing stuff I got and I got to know abt many things from this course. Moreover I would like to thank professors for giving excel templates which made me to work out and understand more on this.
创建者 Satish•
Feb 01, 2016
Amazing course. After a long time, I had access to a logical flow of these complex subjects in an easy to absorb manner with increasing complexity. I do realise that I don't have access to Interfaces though - to follow-up on the readings suggested!!
创建者 Adriana A R•
Jan 10, 2016
Very interesting course. It was very good to refresh what I learned long time ago. Easy to follow and very clear explanations.
The material is very useful and the excel files to work the examples are very clear and great to keep for future reference.
创建者 Jay N D•
Apr 04, 2016
Of the entire course so far I found the Operations Analytics very detailed and has helped me understand the aspects of operations. The additional excel problems and the detailed videos has made me more inclined towards the operations Analytics.
创建者 JIng Z•
Mar 07, 2020
I love this course! 3 instructors gave us 3 different methods to optimize the solutions and in the end, they summarize all together! Materials are so clear and well instructed, highly recommended anyone who interested in operation analytics
创建者 Ian A•
Nov 28, 2015
This course gives a very high level view of operations analytics. It introduces solver in excel, how to convert non-linear problems to linear using constraints and decision trees using maxi-min, maxi-min and maximizing the expected value.


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6 February 2013
After leaving the Atomic Museum we drove over to the Bellagio to see the Chinese New Year themed display in the Conservatory. They change the theme from time to time and this one is on display until 3 March.
This is the Chinese Year of the Snake.Ironic that with my fear of snakes I was born in the year of the snake in 1941. Should have been in the year of the dog since I have always loved dogs.
The display was beautiful and my photos don't do it justice.
The Dale Chihuly exhibit suspended in the lobby consists of 2.000 glass flowers and is beautiful. In the lobby are many large fresh flower arrangements.
We then walked over to the Paris Hotel for lunch. Only spent $5 on one slot.
We have had very good weather here with temps in 60's and 40's at night.
Perfectly clear.


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The National Service Scheme (NSS) had its birth on September 24th, 1969.The scheme was first launched in 37 Universities comprising 40,000 students. Today the NSS has become the largest Government organization of students in the country at college and university level.
National Service Scheme (N.S.S.) unit was introduced as a part of the extra-curricular activity in the College. It has been functioning as regular feature in our college to meet the needs and requirements of students and peoples from different walks of life. The overall aim of NSS is to give an extension dimension to the higher education system. NSS programme should provide a variety of learning experiences which must develop a sense of participation, service and achievement among the students. The NSS is the right platform to involve with real-life social activities and help to develop the students' personality. It promotes the unity and integrity of the nation by bringing together young people from diverse geographical and socio-cultural backgrounds.
College has one unit of 200 students. All the students used to participate in all the programmes conducted by NSS. NSS unit used to organize special camp every year in nearby village.
|Academic Year
|Know More
|NSS Regular Program Report
|NSS Regular Program Report
|NSS Activity Report
|NSS Special Camp Report
|NSS Special Camp Report
|NSS Regular Activities Report
|NSS Special Camp Report


text: Village Naturals Aromatherapy offers an extensive collection of products in three fragrances, Calm, Purify and Revive, to nourish your skin while balancing both mind and body. Each product is specially tailored for the ultimate pampering experience. When you need to relax and unwind, the soothing scents of lavender + chamomile will comfort and calm you. When you need to purify your mind and body, the uplifting scents of tea tree + sweet orange will help you feel energized and alert. When you need a little pick-me-up, rejuvenating rosemary + mint will help you feel revitalized and ready for the day.


text: nobleswood 209 Report post Posted January 25, 2019 Guys, A bit late I know but there is a Bike Show this Saturday in Cinncinnatti at the Rhinegeist Brewery. Runs from 12 to 12pm I believe. This will be the first time I've attended but judging from the website looks to be a good day out. http://garagebrewed.com/ I put this up on WildGuzzi & it seems a number of Guzzi's will be on display. Hopefully I can put some faces to avatar names. Cheers 1 Quote Share this post Link to post Share on other sites


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© 2019 Ventev Wireless Infrastructure. Wireless Networking Expertise. Valued Partnerships. Complete & Customized Wireless Solutions. 1.800.851.4965 - firstname.lastname@example.com
Cisco Solutions Partner, Certified Aruba Networks Partner.
Ventev also partners with Adtran, Aerohive, Meru/Fortinet, Motorola/Extreme and Samsung to provide an ecosystem of products for any wireless network.
The TerraWave I-Beam Spring Mount is designed to exclusively mount the Cisco AIR-ANT2547VG-N Stick Omni antenna on I-Beams in high-traffic areas. The mount spring allows the antenna to flex if bumped to prevent damage. The mount
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MFG Part Number: TW-IBEAM-2547-MNT
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For volume discounts, special requests and customized solutions, please contact a regional sales executive
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Make the Most of Your Money with a Health Savings Account
It's a scenario we've all probably experienced: A routine checkup ends up turning into blood work, prescriptions, and follow-up appointments. Then medical bills start showing up and your portion is higher than you expected.
The good news is there's a way to prepare for those increases, while also saving money. A Health Savings Account, or HSA, lets you set money aside before taxes for eligible medical expenses when you have a qualified High Deductible Health Plan. Not only will you have funds available for unexpected medical bills, you'll keep more of your money because those funds aren't taxed.
Here's how it works:
Talk to your account manager to see if a Health Savings Account is the right choice for you and your family.


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Welcome Home to Margate
Experience the life you deserve at IMT Pinebrook Pointe. Surrounded by the impeccably kept grounds at the upscale Carolina Club Golf Course, our Margate, FL, apartments for rent exemplify South Florida style.
Enjoy our close proximity to Coral Square and The Promenade and treat yourself to a little retail therapy. When you want to enjoy a nice meal out, check out Mancora Ceviche Bar for fresh seafood or Big Bear Brewing Company for an impressive meal and locally brewed beers.
During the work week, take advantage of the short commutes to first-rate local employers like Broward Health Coral Springs, Nova Southeastern University, and AutoNation.
Get to Know the Neighborhood
Explore the Neighborhood
Embrace a life of style and charm in Margate, FL. With convenient access to incredible local employers, exceptional restaurants, and world-class shopping, IMT Pinebrook Pointe provides you with the South Florida lifestyle you desire.
Welcome to the neighborhood. To tour our pet-friendly apartments for rent in Margate, Florida, contact the leasing team at IMT Pinebrook Pointe.


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Buzzwords come and go, but one term that has truly lived up to the buzz, changing the customer experience completely in the process. We're talking about digital disruption.
Gartner defines digital disruption as "an effect that changes the fundamental expectations and behaviors in a culture, market, industry or process that is caused by, or expressed through, digital capabilities, channels or assets."
In recent years, many industries have been turned on their heads. Once-dominant companies have been rapidly annihilated by drastic changes in their market. Digital disruption succeeds in this way because the disruptors arrive with an unrivaled customer experience strategy.
Here's the truth:
Today's consumers don't care about your company.
They only care about their own problems. People want to use their mobile devices and apps to interact with brands. They want to do their own research, and ultimately, get the solutions they need, on their own terms.
As digital disruption continues to shake industries to their core, traditional businesses are being forced to react. If they don't, their attempts at digital transformation may fall flat.
In this article, we'll explore the impact of leading forces in digital disruption, and reveal their secrets for enhancing the customer experience.
What is Digital Transformation?
Before you can understand disruption, it's important to understand transformation.
In layman's terms, digital transformation is the process of a business adapting to new technology and changing consumer interests. This involves embracing new processes and experimenting with innovative business strategies.
For example, your business might do the following as part of a digital transformation:
- Start using Asana and Slack to streamline workplace communications and project management
- Hire a social media manager to drive brand awareness online
- Invest in pay-per-click (PPC) advertising to increase website traffic
- Publish video content on your website to boost engagement
In a nutshell, digital transformation is about aligning your brand and business with the reality of modern marketing. By doing this, your brand will be more relevant and connected to your target audience, and your company will be more likely to survive in the digital age.
While many CEOs still have their head in the sand about all this, it is inescapable now. Studies indicate that 80% of business leaders believe their industry will soon be disrupted by digital transformation.
The question is, how will digital transformation impact the customer experience?
This is a customer-centric world now. A survey by Harvard Business Review found that 40% of companies say customer experience is their top priority during digital transformation.
If you're aren't already preparing for digital transformation, your business could be completely knocked out if it encounters digital disruption.
Put simply:
Digital transformation is the natural change and progression in an industry. Digital disruption is an unprecedented game-changer.
7 Customer Experience Principles from Leading Digital Disruptors
Digital disruption is typically caused by new marketing technology or other digital assets. For example, once upon a time, people bought tapes or CDs for their Walkman, but then iPods came along and blew that entire industry out of the water.
Just as companies are getting their heads around digital transformation, digital disruption blows in and completely resets the rules. This is bad news for existing companies who are already struggling with the basics of going digital. However, we can all learn a lot from these disruptors.
Here are seven examples of digital disruption at its finest. Consider how you can improve your customer experience strategy with these insights.
1. Customer Relationships Drive Success (Uber)
For taxi drivers, Uber is anathema. Unfortunately for anyone in the taxi business, the disruptive ride-sharing app has been a massive global hit.
Simply because the startup did everything in their power to enhance the customer experience. To do this, Uber took a long hard look at the taxi industry and identified basically every pain point consumers faced, such as:
- Struggling to find an available taxi in the area.
- Waiting in a long queue on the street.
- Dealing with rude drivers.
- Encountering issues with the credit card machine or having a lack of cash when you're getting a taxi.
Uber then addressed all of these issues with a single mobile app, making it effortless to organize and pay for a ride. A big part of this success was the development of its customer support system. Through machine learning and split testing, Uber optimize their service by working hard to resolve issues quickly and drive customer satisfaction forward.
If you've used the app, you'll know that you can rank your driver, and leave reviews or tips after the trip is completed. Over time, as drivers accrue more rankings and feedback from their passengers, new customers can be sure the stranger they are about to get in a car with is a reliable, trustworthy driver.
What's more, Uber knows that some people aren't a good fit. Therefore, if a customer ranks a driver lower than a 3 out of 5, the app will ensure they will never be matched again.
The Key Takeaway to Improve Your Customer Experience
Customer relationships are an integral part of business success. If your customers make complaints or raise issues with your service, you need to be able to respond accordingly. Taking quick action to resolve issues is important as it nurtures trust and respect from your customers.
By using a reliable Customer Relationship Management (CRM) system like EngageBay, you can improve customer retention and boost profits.
2. Trust is a Two-Way Street (AirBnB)
When Airbnb rolled into the travel and hospitality sector in 2008, the industry had no idea that an unstoppable storm was on their doorstep. A seemingly madcap idea of offering airbeds and cereal birthed the business, encouraging people to "unlock and monetize" their home spaces.
The real catalyst was the apps ability to eradicate the paperwork and process of a traditional booking system. By pairing technology and social feedback, Airbnb made the customer journey seamless.
Today, Airbnb has over 5 million accommodation spaces available, spanning 191 countries and 81,000 cities. But they're not stopping there. Through Airbnb Experiences, the company now offers over 15,000 unique activities run by the hosts across the world. As a leading force in digital disruption, the Airbnb team know they can't rest on their laurels.
Airbnb is built upon pure trust, which is why their seamless mobile experience is so successful. Without that mutual understanding, neither the customer nor the business would prosper.
The Key Takeaway to Improve Your Customer Experience
Trust goes both ways. Not only must customers trust your brand, but you must also place your faith in people. By marketing to your audience in a way that empowers them, you give them more freedom, adding to the customer experience in a way that is more rewarding than any pushy sales promotion.
One of the best methods of empowering your customers is to use cross-channel marketing, which effectively presents your brand and places trust in your customers to engage your brand whichever way they want, whenever they are ready.
3. Personalization is the Best Form of Persuasion (Amazon)
From the humble beginnings of an online bookstore to the biggest company in the world, Amazon is a titan of the digital era. In fact, it is the titan, having recently pipped Google as the leading search engine for today's consumers.
But hold on, before Amazon there was eBay, and before that, there were lots of little ecommerce stores. So, why is Amazon so successful?
It all comes down to personalization. Amazon is the undisputed king of personalized product recommendations, attributing 35% of its annual revenue to their intelligent machine learning algorithm.
Online shoppers love personalized offers, as studies indicate:
- Almost 90% of people are influenced by personalization when making purchasing decisions.
- 45% of people more likely to shop on sites that offer personalized recommendations.
- 56% of online shoppers will return to a site that offers personalized product recommendations.
This is great news for Amazon, but not every small business has the same access to technology and resources as Jeff Bezos. The good news is that you don't need it. With the vast range of marketing technology tools now available, you can find a budget-friendly solution that will allow you to utilize personalization.
The Key Takeaway to Improve Your Customer Experience
From digital giants to small startups, personalization is an effective tactic that should be in your customer experience strategy. Making the effort to learn from consumer data is worthwhile, as it allows you to customize the user experience, which increases engagement. Better yet, it increases sales and instills brand loyalty.
Marketing automation is an integral aspect of digital transformation. When you combine automation and personalization, it can do wonders for the customer experience.
4. Don't Stagnate, Innovate (Netflix)
Today, customers aren't satisfied with the role of spectator.
The invasion of social media and smartphones is ubiquitous. People are engrossed in apps, touchscreens, and responsive media on a daily basis. It's practically an addiction. AdWeek report that about 87% of us look at our phones while we're watching TV – one screen isn't enough!
People want to be involved. They want to be more connected, both with each other and also with the brands they follow. One of the biggest digital disruptors on the planet understands this desire very well.
If you were around in the 80s and 90s, you may recall the choose-your-own-adventure books like Goosebumps, where readers faced choices at key points in the story. Often, the wrong choice led to disaster for the hero.
Well, Netflix is bringing the concept back – on television!
The Black Mirror series has an otherworldly take on our addiction to technology. But in late 2018, the producers surpassed themselves with the release of the interactive episode, Bandersnatch. By inviting viewers to make important choices on the main characters life, Netflix enthralled their audience.
This revolutionary disruption of traditional television may well herald a new wave of interactive television programs. Considering the company's stock had plummeted almost 40% in July 2018, this was a timely release.
The Key Takeaway to Improve Your Customer Experience
People want choices, and they want the opportunity to interact with products and services before they commit. This is already evident in the way many companies present payment options, offering free trials and several tiered packages to convey greater value for a higher price.
By offering customers options on how they engage with your brand, you can encourage more interaction, which increases customer satisfaction. Ultimately, you must innovate and experiment with lots of new ideas to stay ahead of your rivals.
Speaking of innovation, if you use a unified platform you can track multiple marketing channels and sales campaigns, making it easier to determine which tactics are generating the best return on investment (ROI).
5. It Pays to Listen (Spotify)
As the world's biggest on-demand music service, Spotify is continually striving to provide the best possible customer experience. With over 100 million users to keep happy, the company has a major focus on data-driven marketing and machine learning techniques.
Artificial intelligence (AI) is at the heart of this streaming service, constantly learning about user interests to deliver an increasingly personalized UX. This is most evident in the Discover Weekly feature, which is a personalized playlist of new songs that Spotify collates for every user.
The company explains the process like so:
"The algorithms behind Discover Weekly finds users who have built playlists featuring the songs and artists you love. It then goes through songs that a number of your kindred spirits have added to playlists but you haven't heard, knowing there is a good chance you might like them, too."
Since its inception, Discover Weekly has helped Spotify surge to around 200 million active users. As of January 2019, the company is offering big brands the chance to sponsor the phenom playlist.
The Key Takeaway to Improve Your Customer Experience
Consider the actions of your customers while using your products or services. If they are engaging in certain features or products, it's a clear indication of their interests.
Data is only as good as your analysis, and therefore, if you align your offers with user interests, you're more likely to establish a connection with customers. That level of service soon gets attention, and brand awareness will flourish as more people talk about their great customer experience.
6. Make Talk Cheap (WhatsApp)
One of the most perfect examples of digital disruption is the transformation of the telecom industry. Barely a decade ago, everyone was making phone calls and sending SMS text messages, but now the largest communications companies on the planet own no infrastructure.
Skype broke the mold, and since then, instant messaging services like WhatsApp and Facebook Messenger have become to go-to service for communicating with people. Think about it – how often do you send SMS texts nowadays?
Since WhatsApp was bought by Facebook in 2015, the $19bn acquisition has become the dominant force in global communications. As consumers can make voice and video calls for free now, there's no way for traditional telecom companies to compete.
The Key Takeaway to Improve Your Customer Experience
Communication is vital. Whether it's a casual chat with a friend or a business discussion, people need to communicate with one another every day. Your business should make that process simple and seamless. More importantly, you shouldn't charge people to communicate.
While the idea of providing services for free may be a struggle at first, it offers a quick win for your prospects. By maintaining open lines of dialogue, you provide easy access to solutions and information. Over time, this helps you establish a stronger bond with prospects, which improves lead generation.
7. Mobile-First Services Put People on Cloud Nine (Dropbox)
All of the digital disruptors on this list have one major thing in common – they're all in the cloud. Software-as-a-Service (SaaS) captured almost two-thirds of public spending on cloud computing in 2018, and it's expected to rise to almost $280bn in 2021.
Cloud technology is the epitome of digital disruption, and also the ultimate shift that a business can make in their efforts for digital transformation.
An early hit in cloud computing was the online storage service, Dropbox, which changed the way people store and share files. This has gradually pushed hard drives and USB sticks into the shadows. Last year, TechCrunch reported that Dropbox had 500 million registered users and over $1bn in annual revenue.
This growth comes down to people's love of mobile devices. They love mobiles because it allows them instant access to their favorite apps and programs, on the go. It also does away with the need to carry physical products or hardware.
The Key Takeaway to Improve Your Customer Experience
Cloud-based companies like Dropbox, Slack, and EngageBay thrive upon a simple reality:
People want to be able to do more with mobile. In an ideal world, they could do practically everything with cloud services. That certainly seems to be the way the digital age is going. If people can rid their lives of excessive physical products, paperwork, and hardware, they will.
Cloud technology succeeds because it is mobile-focused. Your business must adopt the same approach to serving customers.
A Better Customer Experience Can Be Your Saving Grace
For small businesses, the mere notion of digital transformation and digital disruption can send a chill through the office. While digital transformation may be viewed as unavoidable tremors that you can adapt, digital disruption is a life-shattering tornado that can instantly wipe your business out.
When a digital disruptor like Uber or Netflix arrives in an industry, existing companies must react quickly or they will surely go under.
Regardless of your resources or the multitude of great ideas and trends that may be bandied around your office, one thing should take precedence no matter what:
The customer experience.
Ultimately, if your brand continues to offer the best possible customer service, focusing on communications, trust, and value, you will continue to attract an audience. Once you integrate these ideals with modern practices like personalization, automation, and data-driven marketing, your business can be confident of a successful digital transformation.
Sooner or later, digital disruption will come for virtually every industry. If you're prepared with innovative marketing, sales, and service platform like EngageBay, your business might just survive the storm.


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Programs that improve culture by connecting hearts and minds of employees to safety.
Your challenge is to get your employees to want to play an active part in the safety program, to look out for each other, and to take ownership of their role in safety. You really want your people to understand how important safety is to you. But it's hard to do when safety is presented in terms of rules, legislation, paperwork and procedures. Check-boxes do not get hearts and minds.
So instead, we turn your safety program into something that connects hearts and minds, improves buy-in, curbs complacency and builds teamwork. We create a program that rallies your people around a common mindset: do our best work and look out for each other. And we do it through structured programs that run from one-hour to thirty days. There is a program that can work for you.
So, where would you like to improve today?
Capture Hearts and minds
When you successfully capture the hearts and minds of employees, you eliminate safety complacency.
Clear communications and internal marketing to create a team of motivated safety-focused employees.


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Postmodern, Consumerist, Fleshly, and Fun: Why It's So Hard to Commend Christianity in Cascadia
Why do people change their minds? In the classic work by Thomas Kuhn, The Structure of Scientific Revolutions, Kuhn suggests that one does not change one's mind until one has a good reason to do so. That apparently banal observation is nonetheless critical to the consideration of why Christianity is so hard to commend to Cascadians. One does not change one's view of something until that view proves to be inadequate, proves no longer to work in a way that is adequate to the challenge it is supposed to meet. No, we don't change our minds until we simply...Read More


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Giving Thanks
Happy Thanksgiving Everyone.
I appreciate the annual ritual of surrounding ourselves with family, making a big dinner, and enjoying all of that.
I also appreciate taking some time to look back on things and be thankful for what we have.
I am most thankful for what I have around me today, my wife, who makes everything better for everyone around her, and our three fantastic children.
But I thought I would also talk about something that has helped me a lot in the past year – taking a more meditative posture to life. I started meditating last fall and have now been doing it every day since then. But that's only part of what I am talking about. I am also talking about doing yoga two to three times a week, and making the most out of those sessions. And then taking all of the experiences and sensations and feelings that those things give me and introducing them into the rest of my day.
I have always been high strung. I throw myself at the world and keep throwing myself at it until I am exhausted. That personality has made me who I am and produced much of the success I have enjoyed. But it is also the source of the anxiety and worry that I have experienced regularly and, at times, acutely.
Breathing, deeply and repeatedly, and taking it down a notch and sitting with that feeling is something I wish I had learned as a child. I am sure that there were people who tried. But it took me until my mid 50s to really get it. But now that I do, I have found a balance to the "go go go" way of life that I still live and enjoy.
I am very thankful for that.


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You may try my projects AT YOUR OWN RISK--there are infinite ways to damage or destroy people and property, I can't think of them all.
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Luke's 'American Idol' rules: No pets, altered classics, choreography, or "My Church"
February 14, 2020 3:00 AM
As Luke Bryan and his fellow American Idol judges start their third season together on Sunday, there's no denying they've learned a thing or two during their time on ABC.
Luke, Lionel Richie and Katy Perry all agree there are several mistakes that will almost always doom an audition.
"Performing one of our songs," Luke tells ABC Audio.
"Another one is when they take like a classic and try to rap it," he continues, as he starts to sing one of former American Idol judge Paula Abdul's hits. "Somebody did, like, 'Straight up, now tell me, do you really...' But then they do something weird with it."
"And then they bring choreography to it," Lionel interjects. "It's best -- stand still, deliver the goods and kill it."
"Never bring your dog, your pet," Luke adds.
The tight-knit threesome goes on to reveal there are also certain songs you shouldn't even attempt to sing at this point.
"What was the one? The Maren Morris [one]?" Luke asks. "'My Church' was... It's hard to out-sing Maren Morris."
"Yeah!" Katy agrees, while lapsing into her twangiest version of Maren's debut hit. "My church! Like that."
"We heard 'My Church' a lot," Luke confirms.
See American Idol season three's hits -- and misses -- as the road to Hollywood kicks off Sunday at 8 p.m. ET on ABC. The auditions start with stops in Savannah, Georgia; Milwaukee, Wisconsin; Washington, D.C.; Los Angeles, California; and Sunriver, Oregon.
Copyright © 2020, ABC Audio. All rights reserved.


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On Now!
This Comedy will be postponed to a later date that will be announced later.
By: William Shakespeare
Much Ado About Nothing is a comedic play by William Shakespeare about misunderstandings, love and deception.
Benedick, Claudio and Don Pedro arrive at Leonato's house in Messina. Beatrice and Benedick bicker with each other and Claudio, a soldier, falls in love with Leonato's daughter, Hero.
Don John, who is Don Pedro's evil half-brother, tricks Claudio into believing that he has seen Hero being unfaithful.
Meanwhile, Don Pedro and others plot to bring Benedick and Beatrice together. Claudio accuses Hero of infidelity and refuses to marry her. Leonato is persuaded to pretend that she is dead.
Hero's innocence is proven and Claudio repents. He agrees to accept Innogen's daughter in marriage and she turns out to be Hero after all! The trick to make Benedick and Beatrice fall in love succeeds and he proposes to her at the end of the play.
Director Darren Bennett, Assistant Director Margaret Wright, Dramaturge Derek Hall, and Fight Choreographer Clint Webb
Original Poster Art and Design by Cael Lyons.


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Euro Deal May Mean Lower EU Subsidies for Poland
Euphoria after the European Union accepted its €750 billion bailout for troubled euro zone members ended the panic selloff of Polish assets and lifted the Polish currency and stock market. But, in the long term, there are worries the EU plan will mean less money for countries like Poland, one of the main recipients of European Union structural funds.
The EU will guarantee, using its own money, loans for those euro zone economies that might need them, which may mean lower spending on Polish projects backed by the EU, said Janusz Lewandowski, the European Commissioner for the Budget and a previous Polish cabinet minister.
"I hope this doesn't happen," he said on TOK FM radio Monday morning.
Austerity measures in countries like Greece, Spain or Portugal are also likely to mean slower economic growth in Europe, he noted.
"This wouldn't be good for German exporters, and neither for exporters in Poland," he added.


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Product Size: 7.9"
After the murder of her father, Chun Li investigates and confronts the responsible party, M. Bison, only to be quickly outmatched by Bison's corrosive psycho power. Recovering from her defeat, Chun Li eventually becomes an Interpol agent in the hopes of breaking the power of the Shadoloo organization, the sprawling machination of Bison. Chun Li forms an alliance with Guile, the latter seeking to avenge the death of his best friend Charlie at the hands of M. Bison. Eventually Chun Li enters the Street Fighter Tournament, not for the sake of glory but instead for the opportunity to fight her way through Bison's enforcers and ultimately face Bison himself.


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All Templates
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Child Care Service
Create a video ad for a child care service with this template. A successful video ad has to bring out emotions - this video does a great job on that.
This template has premium content available for registered users
As a registered user, you can replace the premium assets with free ones.


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I went to March for Life 2019, and got to speak to Autumn Lindsey. Autumn is a pro-life student activist, and is the president of her local Students for Life group. Students for Life is an organizations that works with young people all around the country, with over 1100 Student for Life groups in all 50 states. Their goal is to train and mobilize the pro-life generation with the hope to abolish abortion one day.
This is what Autumn had to say about her experience with Students for Life and the pro-life movement:
Why did you join Students for Life?
"So, I have been pro-life my whole life. Growing up my mom was really passionate about it, and I wasn't involved until I heard that one of my friends started a Students for Life group on our local college campus. The next year I was going there for the Running Start program, so I was like 'finally, I can jump into something that is pro-life;' before I kind of felt at a loss for resources. I didn't know what to do with being pro-life and so I was really excited to join Students for Life because I felt like I finally found a community and resources that I could use. Then, I ended up joining a Students for Life group, and now I run it because the last girl graduated and moved on. I am now the president of our local group. I love it because we get to talk about issues on campus. I feel like we are prepared for those conversations."
Was there a moment in your life that you became pro-life?
"I don't know if there was an exact moment growing up, but I know my mom talked about it a lot and she was really involved in the local pregnancy center. There was also these billboards we would drive by that a local pro-life organization would put up that said stuff like 'Take my hand, not my life.' My mom would be like 'look at these billboards, look at this organization.' We would talk about why we have pregnancy resource centers. Having those conversations and just realizing being really young and saying 'I can't believe that this is happening' and just to put it in that perspective to be so young and still know that this is an issue. From there on out I knew this is something I wanted to stand up for."
Is this your first March for Life?
"No, this is my second March for Life. Last year was my first one, and I remember being so excited. I was like 'no way' there are more people here than you can even imagine. So coming together with hundreds of thousands of pro-life people, it gives you hope that we will abolish abortion."
How would you encourage young people to get involved?
"I would say part of it is definitely being educated. A lot of times Planned Parenthood is in schools, and they are the ones teaching sex education, and they are the ones targeting future clients. But knowing the facts of what happens and the impacts of abortion is crucial; knowing that science is pro-life. You can get involved by donating or helping out at your local pregnancy center, finding a Students for Life group, or starting one is vital to the movement. To have those resources and have a community around you that supports you is so important."
What is your least favorite pro-choice argument?
"It is interesting because up until a couple of years ago, I didn't really have these conversations with pro-choice people. My community was mostly pro-life people until you are on a college campus having these discussions. A lot of times you just see people go in circles. They will make a statement, you push them out of it, and then they move on and then it kind of comes back around. I think the most frustrating one is the 'my body, my choice' argument. I think that is the most common and also the most frustrating to try to explain to somebody that it is not your body. It is an individual, unique human with their own DNA and that they have their own life. So I think that one is used a lot and it can also be the most frustrating to explain against. It is a separate human."
Who are your favorite pro-life speakers? Who would you recommend students listen to in order to learn more about pro-life views?
"I remember one of the first people I heard talk about this issue is Abby Johnson. She is a big testament to this movement. She was an abortionist. She has a unique perspective of being on both ends. Somebody who was pro-choice, who is now pro-life. A couple of other people, there is David Bereit. He runs 40 Days for Life. He runs an amazing organization. Of course, Kristan Hawkins, she is the president of Students for Life. She is feisty, and she is nitty-gritty, and she is in the movement. She is a huge inspiration with how motivated and dedicated she is. I worked closely with her, and she is always ready to jump in and do what needs to be done. Then there is Lila Rose. She is a great one. She jumped in as a young girl and runs Live Action. Those are the kind of people the last few years that have influenced my view of the pro-life movement and encouraged me to continue to speak up."


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Hemmed Edges
Let me sing praises to one of my favorite finishing techniques: hemmed edges. Our sewing projects get hem treatments, so why not our knits? Hemmed edges lend a polished look to your hand-knits, the concept is simple, and the benefits are numerous:
- You can knit stockinette stitch right to the edge without any curling.
- It forms a placket into which you could insert elastic or a drawstring.
- It's always nice and stretchy.
- Your edges are reinforced against wear and tear with a double-thick fabric.
- Your edges are warmer – a hemmed edge on a hat will keep the cold wind off your ears.
- There is no wrong side near the edge.
- You could add a secret accent color on the inside.
- It just looks nice!
There are a few styles of hemmed edge. Any of them can be worked in the round or flat:
- Basic Hem: Cast on, knit twice as long as you want your hem (in stockinette, ribbing, seed or whatever stitch you like), then knit every live stitch together with the cast-on stitch directly below it.
- Turning Purl Row: Cast on, knit as long as you want your hem, work a single purl row, knit the same length again, and knit your live stitches together with your cast on stitches. You'll find that the purl row will cause the fabric to turn neatly and flatly all on its own.
- Turning Eyelet Row / Picot Hem: Cast on, knit as long as you want your hem, work a row of (yo, k2tog) all the way around, knit the same length again, and knit your live stitches together with your cast on stitches. Like the turning purl row, the row of eyelets will also turn all on its own, and when folded in half it will appear as a dainty picot edge.
- Provisional Version: Use a provisional cast on instead of a regular cast on with the above styles, transfer the provisional stitches onto a needle and knit the live stitches together with the corresponding provisional cast on stitches. This might be easier if you have trouble finding the cast-on stitch directly below the next live stitch.
- Sew At The End Version: Turn your edge over and sew it down at the end of your project. You can do this with a basic hem or a turning row hem – whatever suits your fancy!
A few super-cool and popular projects with hemmed edges from the Ravelryverse:
- The Wurm Hat by Katharina Nopp
- The Perfect Sweater by Mandy Moore & Ann Shayne
- Susie Rogers' Reading Mitts


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Avoid surprises with proactive planning.
Schedule a 15-minute free consult with our expert team and learn how we can streamline your bookkeeping, accounting, payroll, HR, or tax planning and prep.


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Ways to Employ A lot of these Affiliate marketing Ways of Stars Skyrocket Your enterprise
A lot of these affiliate marketing plans, when implemented, might sky-rocket your enterprise!
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You are now at: Home » welcome
fresh Enterprise Co., Ltd. was established in March 21, 1988, with natural spices started, and then across the product powder soup, spice two areas. Is committed to the production of condiments, in the process of growing up, follow the evolution of the trend, to grasp the changes in consumer life, continue to expand new products, homeopathy, at the right time, in the appropriate market, the development of appropriate products, and Will be the existing resources to be integrated, use and play, and then create a multiplication of the synergy. In 1994, Taiwan set off a rush shabu-shabu boom, 100 homeopathic launch of the representative of "100 fresh bones soup powder", widely acclaimed by the catering industry, in the foreign brand of soup seasoning market, to "big bone" to play bright results The Has been operating (with a kilogram) specifications to sell 10 million cans of success, but also exported to the United States, China, Britain, Spain, Australia, South Korea, Spain and other ... [Details]


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NHS Surcharge – Effective from 6th April 2015
Effective from 6th April 2015 a National Health Service (NHS) Surcharge will be introduced for Overseas Visitors.
For Tier 4 students and their dependants the surcharge will be £150 per applicant for each year they will be in the UK. For Entry Clearance applications this surcharge will be payable when applying to study a course lasting 6 months or longer. For students who are making Leave to Remain applications to extend their leave in the UK the surcharge applies for any course length.
For extensions of six months or less the surcharge will be charged at £75, for extensions six months or longer the full surcharge of £150 will be charged.
You can calculate the NHS surcharge you will need to pay using the gov.uk webpage
The NHS surcharge is mandatory and must be paid in full at the point of making an application for Tier 4 leave. The additional time at the end of your course will also be included when calculating the amount you must pay. For example if you are applying for a visa to undertake a three-year undergraduate degree programme you will be required to pay £525 for the NHS surcharge (three and a half years x £150).
The NHS surcharge will be refunded to you if your visa application is refused. However if you decide not to travel or you leave the UK earlier than expected you will not receive any refund.
Once you have paid the NHS surcharge you will be entitled to use the NHS in the same way as a permanent resident for the duration of your visa. You will be required to pay for some services such as prescriptions, dental treatment and Opticians.
For information about the NHS and the surcharge can be found on the UKCISA webpage.
Last reviewed April 2016.


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No man should escape our universities without knowing how little he knows.
— J. Robert Oppenheimer
If we knew what it was we were doing, it would not be called research, would it?
— Albert Einstein
A good teacher is a master of simplification and an enemy of simplism.
— Louis Arthur Berman
Bad news travels at the speed of light; good news travels like molasses.
— Tracy Morgan
« All Events
New operating system, new hardware and new IT services for the ECAP desktop computing system will be presented and discussed.


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Product Information
The Spillway control gate system is a new type of ecological environmental protection/safe and reliable water conservancy facility successfully developed by our company through the introduction of advanced technology from abroad through the "948" Project Office of the Ministry of Water Resources. On the basis of the introduction, our company develops and innovates, and combines with the actual needs of water conservancy projects in China.
The spillway control gate system has a wide range of applications, and can be applied to any river in any environment. It can be used without any regulation of the river. It can be widely used in river regulation and urban landscape, dam heightening, water diversion, farmland irrigation, drought control and waterlogging drainage, hydroelectric power generation, seawall construction and seawater reverse irrigation projects.
The spillway control gate is especially suitable for large span, novel design and compact layout of water conservancy projects. On the basis of meeting the conventional functions, it can also meet the ecological and landscape requirements of modern water conservancy projects.
The spillway control gate project in Yantai, China
Urban landscape
Dam heightening
Water diversion
Farmland irrigation
Drought control and waterlogging drainage
Hydroelectric power generation
Seawall construction and seawater reverse irrigation


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Please expect 3-6 business days for most shipments and 7-10 days for bikes and oversized items.
At this time we are prioritizing the health of our employees and will only be offering ground shipping. We are fulfilling orders as efficiently as possible. We apologize for any inconvenience in delayed shipments.
The health and well-being of our employees and customers is our top priority. Due to the COVID-19 Pandemic we will only be offering ground shipping at this time and are fulfilling orders as efficiently as possible. Please expect 3-6 business days for most shipments. We apologize for any inconvenience.*
We are temporary unable to ship any items to Alaska, Hawaii or Puerto Rico.
All eligible orders will be shipped with a 3-6 day delivery. Free Economy Ground shipping is only available in the contiguous lower 48 states (excluding AK, HI, international orders, PO boxes and APO addresses and excludes all oversized items such as Bikes, Wakesurfers, Surfboards, Paddleboards, Water Trampolines and Car Racks.) If billing and shipping address are different allow 1 additional day for delivery.
A number of items require special shipping and handling due to their larger size. Some examples are Bikes, Wakesurfers, Surfboards, Paddleboards, Water Trampolines and Car Racks.
If you need further assistance please contact our customer service department at 866-243-6932
Shipping rates are available in the shopping cart based on delivery location
Please See Our - International Shipping Rate Page
Contact our customer service department at 866-243-6932
1. You will receive an Order Confirmation / Email (within 15 min of submitting the order)
2. Economy orders typically ship within 2-6 business days. Expedited orders ship same day (placed before 2 P.M. CST) or the next business day
3. Shipping Confirmation Email with a tracking number once your order ships
Please Note: during busy season (Nov through Jan) economy orders can take longer to process.
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Youth & Government
Welcome to the Oregon YMCA Youth and Government page!
What is Youth and Government all about?
- The program is an annual 3-day intensive educational experience unlike any other. It allows students to practice parliamentary procedure and actively participate in a mock legislative process.
- YMCA Youth and Government started in Oregon in the 1940's as an activity of YMCA Teen Programs. Since the 1960's, it has operated through the schools with teacher-advisors organizing delegations in over 35 high schools.
- YMCA Youth and Government offers opportunities for teens to get involved in their communities and learn how to make their voices heard about issues that are important to them.
- As a YMCA program, Youth and Government focuses on the core values of caring, honesty, respect, responsibility, civic engagement, and fun.
High school students in grades 9-12. Adult advisers can be YMCA staff, teachers or volunteers. Alumni of the program also volunteer to serve in various ways as well.
How much time does it take?
Usually, several hours of measure prep and parliamentary procedure practice per month leading up to the conference. All delegates participate in all-day state pre-Legislative Training on a Saturday in January. The Conference is held in February over three days from Thursday morning until Saturday afternoon, at the Oregon State Capitol in Salem.
Scholarships are available, download the Financial-Assistance-Application.
General information can be found here:
Bulletin 1 – Intent to participate
Bulletin 2 – Pre-Legislative Assembly
Bulletin 3 – Oregon YMCA Youth & Government Annual Conference
Program Resources:
Program Handbook
Declaration of Candidacy – Officer Application
YMCA Youth and Government National Study Report
Registration Details: Youth and Government registration fee includes 2 nights lodging, 2 breakfasts, Thursday and Friday dinner,awards, a Youth and Government shirt, transportation from the hotel to the Capitol if needed, and program materials. (Lunches are on your own). Advisors registration includes the above at no cost, however registration is required. Additional lodging and meals are included for Advisors and Officers. For more information, please contact the YMCA Youth and Government State Director,
Marisa Fink at 541-440-9622 x 203 or by email: firstname.lastname@example.com
Our Supporters:
Michael and Judy Hall


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The Robin Hood Hotel is a family orientated hotel and welcomes you and your family to enjoy our facilities and services.
Responsible Service of Alcohol
The Robin Hood Hotel does not host 18th Birthday Parties or Bucks Nights
The Robin Hood Hotel takes a serious stance on the Responsible service of Alcohol and the Code of Practice.
All staff are RSA trained and will not supply alcohol to people who are drunk, disorderly, or do not have appropriate proof of age. We do not promote or advertise or encourage excessive or rapid drinking.
Licensing laws prohibit liquor supply to the disorderly and/or intoxicated. Patrons showing signs of intoxication or disorderly behaviour will be refused service and/or be asked to leave the premise. We reserve the rights to define "intoxication" for this purpose.
People expelled (barred) from this hotel are not welcome on the premises at any time. Patrons asked to leave are expected to do so without confrontation. Any person refusing to leave thee licensed premises when requested to do so are liable for an on the spot fine of $550.
Indecent, violent, offensive behaviour and swearing, abusive or insulting language will not be tolerated.
Inappropriate clothing is not permitted e.g. Torn or dirty clothing or clothing displaying offensive images or words.
Service of alcohol will be refused to any person who cannot provide appropriate proof of age. The only acceptable forms of identification are:-
• Valid state or territory photo driver's license.
• Valid Australian or International photo passport.
• Valid approved government issued photo proof of age card (+18 card).
• Valid international photo driver's license.
It is an offence to sell or supply liquor to a minor.
Penalties apply.
All minors, persons under 18 years of age, by law must be accompanied by a Responsible Adult. Children must be under constant parental supervision. Under the liquor act children are not to be left in the car unaccompanied by a responsible adult. All minors to vacate the premises by 10.30pm.
The playground is there for the enjoyment of families. No glass is permitted in the playground area. Due to Australian Standards the playground will be closed in wet weather.
Children are only permitted in the following areas of the hotel:-
• Pavilion Dining Room
• Fireplace Dining Room
• Beer Garden
• Terrace and Playground
Children are not permitted by law in any other part of the hotel even under the supervision of a responsible adult. Please respect other patrons and supervise your children. People not supervising their children may be asked to leave.
Please observe the quiet and good order of the neighbourhood when leaving the premises.


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Advanced Material Letters
Volume 2, Issue 1, 2011
Vbri Press AML
Asutosh Tiwari, Editor-in-Chief
The application of science and technology at the nano-scale is redefining fields like imaging, diagnosis, drug delivery, regenerative medicine and biomaterials as well as underpinning the development of new generations of medical products. Many of these advances would offer vastly improved outcomes for patients, therapies for hitherto difficult-to-treat diseases or conditions, improved manufacturing efficiency, and better use of valuable medical professional resources. The technology has already found its way into multifarious applications in healthcare such as diagnostic imaging agents, drug delivery systems, pathogen detection systems, biosensors, tissue engineering, microfluidics, lab-on-a-chip, compact electronic systems.
What makes nanotechnology so important is its capability to assist researchers and scientists understand many diseases on submicron level, leading to new insights and discoveries in diagnostics and therapy and contributing to the development of new generations of medicinal products This unique capability is invigorating the demand for nanotechnology in medicine to help tackle many of today's challenges in healthcare. As we understand more and more about the origins of disease, from our increasing knowledge of how the body works at the nano-scale, the application of nanotechnology is already beginning to affect the practice of medicine in radically new ways.
In recent years, many big programmes have been initiated by Governments as well as industries in order to accelerate the growth of nanotechnology and to better understand and treat diseases. Some of the key players in the field include the European Union (the biggest public investor in nanotechnology research) and the US Government from the public sector, and Philips Healthcare, Siemens Medical Solutions, GE Healthcare, AstraZeneca and GlaxoSmithKline from the private sector.
Medicine is going through a period of great change. Nanotechnology is now revolutionising medicine in the 21st Century. However, only very few people receive specific trainings in both medicine and nanotechnology or how nanotechnology is likely to impact new medical products,drug discovery and delivery, or the practice of medicine utilising nanotechnology. There appears a major skills and knowledge gap between nanotechnology and medicine. As a result of the increasing demand and awareness of applications of nanotechnology in medicine, a new discipline namely nanomedicine has emerged and is now growing at a rapid rate every day-already solving many challenges faced within various professional bodies, such as healthcare systems, government agencies and industrial companies.
Currently, nanomedicine is already a very large industry which is growing very fast every day, with more than 40 products and more than 200 companies dedicated to this field. Only in 2005 the nanomedicine sales reached 6.8 billion dollars against a minimum of 3.8 billion invested every year on this field. In April 2006, the journal Nature Materials estimated that 130 nanotech-based drugs and delivery systems were being developed worldwide. For that experts are expecting a significant growing of the nanomedicine in the forthcoming years which directly impact the world wide economy. Professionals involved in the research and development of nanomedicine include mathematicians, engineers of all fields, computer science and IT professionals, physicians, chemists and biologists.
Cranfield University, one of Europe's foremost providers of postgraduate and continuing professional education, and the Institute of Nanotechnology, an acknowledged leader in nanotechnology information, and have teamed up to successfully deliver a unique series of short professional courses in Nanomedicine worldwide for many years.
Furthermore, the first M-level postgraduate course of Nanomedicine in Europe was timely and successfully launched by Cranfield Health at Cranfield University in 2009. The course, formulated and led by Dr. Yi Ge, is designed to fill the major skills and knowledge gap between medicine and nanotechnology, and provides graduates, researchers, clinicians and healthcare professionals with an advanced knowledge, skills and practical experience of the principles, technology and applications in this newly emerging interdisciplinary field.
Delivered by leading academics in unrivalled facilities, this unique course provides relevant training for students and professionals who have acknowledged this shift in emphasis and are prepared to take up the many challenges and opportunities that it offers. It provides essential training for new graduates in the nanotechnology and medicine arena, and will naturally follow on from a first degree in science and technology. In particular, it timely responds to an increase in the demand for highly skilled individuals in industrial research and development roles as well as regulatory roles. The course also provides advanced in-post training for professionals already working in a variety of related industries and it is available on a full and part-time basis the course offers flexibility and support for those who wish to study whilst remaining in employment.
Nanomedicine will become more and more important to improve healthcare in all phases of the care process. There is no doubt that a very bright future lies ahead for it.


text: Home / Products / Blasting Equipment / Blast Units / Blast Pots / Schmidt 10 cuft Blast Machine Schmidt 10 cuft Blast Machine Part no. BMS1001TV Request a quote Guaranteed Quote within 48 Hours BLASTING EQUIPMENT Blasting Facilities Blast Room Personnel Lifts Automated Robotics Abrasive Media Garnet Abrasive Glass Abrasive Grit Abrasive Shot Abrasive Slag Abrasives Expendable Media Abrasive Recovery & Recycling Recovery Units Recycling Units Storage Air Preparation Dehumidification Distribution Manifolds Moisture Removal Blast Units Blast Pots Bulk Blasters Hand-Held Blast Multi-Purpose Units Pipe Internals Dustless Vapor Blasting Ultra High Pressure (UHP) Vacuum Blasting Couplings & Connectors Adaptors Couplings Gaskets Control Systems Deadman Equipment Maintenance Accessories Repair Kits Replacement Kits Nozzles Angled Curved Long Venturi Nozzle Holder Short Venturi Tight Space Valves Air Check Exhaust Full Bore Ball Metering Hoses Air Hoses Blast Hoses Bull Hoses Twin Line Vacuum Hoses Whip Hoses Steel Shot & Grit Equipment Tumblast SITE SAFETY & PPE Personal Protective Equipment (PPE) Audio Protection Boots & Covers Clothing Eye Protection Gloves Height Safety Helmets & Hoods Masks Respiration Site Essentials Air Compressors Containment Ventilation Waste Disposal Decontamination Equipment Safety Earthing Lines Cable Safety Stands & Cages Lighting Blast Lights Hanging Hand Tools Drills Sanders Signage & Barriers Barriers Signage Traffic Control Warning Labels INSPECTION EQUIPMENT Surface Condition Surface Contaminant Surface Profile Visual Inspection Coating Quality Holiday Detector Coating Thickness Adhesion Cure/Hardness Dry Film Wet Film Climate Condition Chloride Dew Point/Check Thermometer Equipment Calibration & Testing PROTECTIVE COATING Coating Facilities Bench Booths Dry Filter Booths Enclosed Booths Filter Wall Large Booths Open Front Booths Paint Booth Personnel Lifts Powder Coating Booths Retractable Booths Sanding & Grinding Booths Spray & Bake Ovens Booths Water Wash Booths Couplings & Connectors Air Supply High Pressure Low Pressure Valves Equipment Maintenance Accessories Filters Repair Kits Replacement Kits Guns Air Assisted Airless Airless Airspray Electrostatic (EX-XS) High Volume Low Pressure (HVLP) Pressure Pots Hoses Air Line Paint Line Pump Suction Twin Line Whip Spray Pumps Air Assisted Air Powered Airless Internal Pipe Tools Plural Component Tips & Guards Air Assisted Airless Airless Airspray Electrostatic (EX-XS) High Volume Low Pressure (HVLP) RENTAL BlastOne Blasting equipment is built for highest productivity, safety and dependability. These large capacity blast pots hold a large amount of abrasive saving time by not having to stop and fill the blast unit with Abrasive so often. These blast pots also can come in a Double Outlet model meaning they can be used with Two Operators. Our Blasting systems use full flow piping which significantly reduce pressure loss. Quality valves and precise controls result in significant reduction in abrasive costs, minimization of downtime and reduction in clean-up and abrasive disposal costs.APPLICATIONSThe 10 cu ft pot is designed for use in a blast room where 1 or 2 blasters can work off the same blast pot. Typically the pot would be refilled from a storage hopper.SPECIFICATIONSSpecified Capacity: 10.0 cu ft / 285 litersAbrasive Capacity:Garnet: 1500 lbs / 670 kgSteel Grit: 2450 lbs / 1100 kgHeight: 59 in / 1500 mm (Excluding Handle)Length: 33 in / 855 mm (Including Handle)Width: 31 in / 785 mm (Including Lift Lugs) Schmidt 10 cuft Blast Machine Product DataSheet Download Now


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"My! My! Welcome!"Digby (ケント, Kento?) is a dog who is in charge of the Happy Home Showcase in New Leaf, and is the twin brother of Isabelle. He can be seen standing at the Showcase's entrance all day long.
― Digby, upon being talked to by the player.
In order to get into the Showcase, the player must first speak with him. Once inside, the player may visit the houses of other players they have met through StreetPass.
In Animal Crossing: Happy Home Designer, he is a normal staff member at Nook's Homes and can help you with rebuilding facilities you have already built. You unlock this feature after upgrading the school with Isabelle.
In Pocket Camp, he returns to work at the Happy Home Academy, but instead of being the gatekeeper of the Happy Home Showcase, he is one of the Happy Homeroom Judges.
Digby is mostly brown in coloration. He wears a white shirt under his red suit coat, accompanied with a yellow tie and blue pants. On rainy or snowy days, he will wear a yellow raincoat and red boots. He resembles Isabelle in his features; he has the same eyes, but his white patch is seen running up the middle of his face and he has a tuft of hair sticking out on the top of his head. He also has six pink freckles, with three on each cheek.
Digby has a relaxed personality much like his sister, Isabelle. He is patient and very straight-forward, although he sometimes feels concerned about his job being the gate guard of the Happy Home Showcase area. He also gets along with his sister Isabelle, as she does also.
Happy Home Designer
Digby also appears in Happy Home Designer, where he plays as your co-worker. Digby's job is to work with all of the paperwork related to new facility buildings that are added to the town, and you usually see him at the end of the day finishing up some of his work. He doesn't interact with you much, though he is an important character. After designing enough facilities, Digby will give you the option to rebuild any facilities that you already have, and takes over instead of Isabelle during remodeling days.
amiibo Card
|amiibo Card
|amiibo Card
- Digby's Japanese name may be a pun on the on'yomi of the kanji for dog (犬 inu?), ken (ケン?).
- The Spanish name of Digby is Candrés, a pun between "Can", as another form of "Dog" in Spanish (from Canis, meaning "Dog" in latin) and "Andrés".
- Digby's English name may be a reference to the word "Dig", referencing that dogs sometimes dig holes.
- Digby shares his birthday with Isabelle since they are twins.
- It's impossible to get in or out of the Happy Home Showcase without Digby as the player cannot sneak past him.
- If the player attempts to walk past Digby when leaving the Happy Home Showcase, he will strike up conversation with the player regarding them leaving.
- If Digby reveals one of his coffee preferences at the cafe, he will also mention Isabelle's; however, it will not be highlighted like other coffee preference dialogues.
- Digby has the voice of a jock villager.
- In Happy Home Designer, Lottie is shown to have a huge crush on Digby. He seems oblivious to this, though.
- When speaking to Digby early in Happy Home Designer, he mentions that his work is really stressful, but he is dedicated to getting it done so he doesn't let anyone down.
- Coincidentally, Littlest Pet Shop (2012) also has a Shih-tzu with brown ears, named Digby.
- If you scan his amiibo and design a house for him, the next time you visit Lottie will also be there and he will say they are on a date.
|Special Characters


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15570 Russell Avenue, White Rock
3132 Sq.Ft. 4 Baths 5 Beds 5,117 Lot SqFt 2020 Built
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Brand new 3132 SF house with 5 bed/4 bathrm, 3 level, on a south facing 5117 SF lot in White Rock. The kitchen and dining area, and the high ceiling family room all facing south, very bright. White kitchen cabinet with island in the middle. Wok kitchen or pantry for your option. 3 bdrm upstairs, the basement has a media room and a 2 bdrm rental suite. Central location in White Rock, close to shopping. Earl Marritt Secondary school, the hospital and the transit.
Taxes (2014): $2,642.00
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Woppa Modern Rugs
Able to Assemble Brandywine Cupboard.
Immediately after getting all the stuff, you should start thinking of this structure, the design, and also the measurements. Make certain they meet several of your crucial rug materials. Properly, that's why it's made from the first place, is not it? After that, some of the shapes you may possibly like might be stored in your publication to be applied near the organizers. You can create them just like what you need on shelves, vertically made. As easy as that, you may also create it seem like a drawer. The wood stuff will probably allow it to be easier for you to enhance it. Take a little hint of beauty and there, and it is about to make use of!
Glass may be another terrific material for the rug storage. Glass would make your rug more modern and futuristic storage. It is also resistant to humidity and water. However, you can't keep weighty stuffs in this category of storage.
This Shabby Chic Rugs Target Roselawnlutheran the gallery form Shabby Chic Area Rugs. Hopefully you can find the best inspiration from our gallery here.


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|Chairs and Tables Limited
The Estate Office
London Road
Phone: 01502 575 916
What a combination this Turnworth 180cm Teak Ring Table and Integrated Lazy Susan could make on your patio. The beauty and sophistication of the Grade A Teak Hardwood is seen in the multiple ring pattern that is gently designed into a triangular pattern by the mortise and tennon joinery with dowelling. Small and elegant details add to the beauty and allure that makes this set so special.
The 180cm round table comfortably fits eight guests seated in any one of the many Teak chairs available. A gorgeous selection is often a high-back version that allows your guests to sit back after an excellent meal and enjoy a dessert or beverage selection from the rotating 100cm Lazy Susan.
The 40mm thick table top and chunky style legs speak of the durable and lasting quality of the teak table. Purchased with a three-year warranty, the Turnworth 180cm Teak Ring Table with Integrated Lazy Susan is often known to last decades whether used indoors or outdoors. This is the difference and the reason for using the high-quality Sustained Indonesian Teak Hardwood. The centre features a hole where a parasol or an additional higher level Lazy Susan may be inserted. When not in use, a solid brass parasol hole blanking cap cover is included to maintain a solid surface.
Ensuring a striking and classy appearance, the teak wood is sanded to a fine and silky smooth finish that showcases the natural grains of the wood. Your guests will notice your Turnworth 180cm Teak Ring Table with Integrated Lazy Susan before they notice anything else around, that is the quality of the piece, the Teak and the elegance of your taste.
40mm Table Table Top Thickness with chunky style legs
This 6ft teak round ring dining table can seat eight people comfortably.
In the centre of the table is built in 100cm lazy susan that allows you to pass around serving dishes with ease. The beauty of this design is that the lazy susan is just part of the table and features an inset parasol hole to permit the use of a parasol with a pole diameter of up to 50mm.
Constructed from Grade A teak, fine sanded to a silky smooth finish.
Uses only mortise and tennon joinery with doweling, quality brass fittings and a solid brass parasol hole blanking cap.
Easy assembly
Posted by John Baker on 25th Jan 2015
We were looking for a quality Teak round table set after our last one finally gave up on life after a good 8 years. We came across Chairs and Tables and fell in love with this table, especially since it came with a Lazy Susan which is something we have always wanted.
Delivery was quick and it came full assembled, the delivery drivers were also kind enough to help us move it into the right position. All in all it was a great buy.


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Burak Ozdoganlar
Ver Planck Professor, Mechanical Engineering
Associate Director, Engineering Research Accelerator
Courtesy Appointments, Biomedical Engineering, Materials Science and Engineering
Ver Planck Professor, Mechanical Engineering
Associate Director, Engineering Research Accelerator
Courtesy Appointments, Biomedical Engineering, Materials Science and Engineering
Burak Ozdoganlar is currently Ver Planck endowed chair professor of Mechanical Engineering and the associate director of the Engineering Research Accelerator. He also holds courtesy faculty positions in Biomedical Engineering and Materials Science and Engineering. Ozdoganlar received two M.S. degrees from The Ohio State University in 1993 and 1995, and his Ph.D. degree in mechanical engineering from the University of Michigan in 1999. Before joining Carnegie Mellon in 2004, he held positions at the University of Illinois at Urbana-Champaign as a postdoctoral research associate, and at the Sandia National Laboratories as a senior member of technical staff.
His primary research interests include modeling and experimentation of manufacturing processes and systems, specializing in multi-scale (macro/micro/nano-) manufacturing and its applications (including medical and biomedical device fabrication); precision engineering; modeling and experimental approaches in structural dynamics; and modal testing and analysis.
He has co-authored more than 60 archival journal articles, and more than 80 conference articles. In the recent past, he served as associate technical editor for ASME J. Manufacturing Science and Engineering, and for the Society of Manufacturing Engineers (SME) J. Manufacturing Processes. Since 2008, he has been a member of the Scientific Committee of North American Manufacturing Research Institution of SEM.
Ozdoganlar has also been active in professional societies: he is a founder and past-president (2011-2012) of International Institution of Micro Manufacturing (I2M2), and he is a former chair of the ASME-MED manufacturing equipment technical committee. He is a member of the Phi Kappa Phi and Sigma Xi honor societies, SME/NAMRI, ASME, and ASEE. His recent awards and recognitions include the 2011 ASME Blackall Machine Tool and Gage Award; the SME 2007 Outstanding Young Manufacturing Engineer award; the 2006 NSF/CAREER award; the 2008 NAMRI/SME Outstanding Paper award; and the Russell V. Trader Career Faculty Fellowship at CMU (2009-2011).
1999 Ph.D., Mechanical Engineering, University of Michigan, Ann Arbor
1995 MS, Mechanical Engineering, Ohio State University
1993 MS, Aeronautical and Astronautical Engineering, Ohio State University
1991 BS, Aeronautical Engineering, Istanbul Technical University
CMU Engineering
The College of Engineering is pleased to announce that the College will fund two Moonshot proposals as winners of the Moonshot 2020 competition, as well as one College of Engineering Planning Award.
MechE's Sarah Bergbreiter and Burak Ozdoganlar were named 2019 Fellows in the American Society of Mechanical Engineers (ASME).
CMU Engineering
A novel approach to 3D printing using a support bath can greatly expand the types of polymers that can be printed, enable chemical reactions of the printed materials to gain novel material properties, and increase the mechanical strength and reduce the print time of mechanical parts through design optimization.
MechE's Burak Ozdoganlar was named Chief Technology Officer of the Advanced Robotics for Manufacturing (ARM) Institute in an interim capacity.
CMU Engineering
Through endowed professorships, the college honors and supports faculty by providing the resources they need to remain at the forefront of their fields.
CMU Engineering
Carnegie Mellon engineers are leading a collaborative initiative to develop computational technologies for optimal design and fabrication of complex core structures for the aerospace industry.
CMU Engineering
College of Engineering announcements