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southerncaliforniaclones · 3 years ago

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Best way to select Clones for sale for you

The majority of us know a product or service by association with its manufacturer, supplier, or performance test. For example, you may be familiar with your local milk vendor as a result of friends' and family members’ frequent visits. But what about the other side of the coin? Do you know for sure who made your milk? Or maybe you’re just looking for general information on where to buy milk and where not to buy it. In this article, we’ll answer some common questions about buying Clones for sale. If you don’t already own an automated teller machine or other automated teller system, chances are you already have one installed so why not get started buying your Clones online? You might be surprised at how easy it is and how many record keepers there are out there.

How to buy Clones

Before we get into the nitty-gritty, let’s get this ridiculous together and make one thing clear. We are not talking about a quick 50 or 100-record find for every bottle of wine you purchase. We are talking about a lot of records that make up much of your prospective vintage. We’re talking about thousands of records, sometimes even millions. It will take a lot of time, money, and records to find all the records you’re looking for. This is the reality of the business. So, how do you decide which records to buy? Here are a couple of options: - First, you can shop online. This is usually the easiest and most common way to go. But there are a couple of issues to keep in mind: - Record stores are typically very tight on space and often only have a few records per location. Even if you have a large collection, buying everything in one goes against the grain. While it might be less expensive to move to another location, it’s definitely more expensive to store. - If you have an industrial collection, there’s typically a chance that you may want to keep some of the smaller records as they are more suited to the work environment. - If you don’t mind a more formal setting and prefer to keep your records in a professional environment, you can always go with a record storage facility. They usually have rolling stock and various storage devices to keep your records safely wrapped up.

Why buy Clones?

First, let’s talk about why you’re looking for Clones in the first place. Why not just buy a bottle of wine and take it for a spin around the block? Of course, when you’re looking for records, you want to do so in whatever setting you’d like to enjoy your purchase. It’s not unusual for people to purchase tens of thousands of records just for the experience of listening to them. In fact, a study found that the most common reason people buy records is to “experience a new sound.” If you’re looking for general Clones for sale, you can always go with the excellent range available from Target. Now, there are a couple of things to keep in mind before proceeding: - Record stores are usually very small and usually have only a few Record Life Studios personnel. But they can often be found in larger cities with multiple Record Store Supermarkets. So if you’re looking for a largely rural community, you may want to try a different record store. - Keep in mind that you’re purchasing a lot of records. They are not a gift. If you’re looking for a present, buy a single, a double album, a box set, or a van safety for your younger relatives.

How to Identify a Real Milk Whisperer

The first step toward identifying a real milk tourney ended is to know your market. What is your target market? If you know your market well, you can get a good idea of what record to buy and what record store to shop at. Now, there are a couple of ways you can go about this: - Make a list of the items you like and dislike about different types of music. This includes your personal and professional taste, as well as culture and genre. - Review your list and/or your records on a scale from 1 to 10, with 10 being the most favorite and 9 being the most hated. - Ask anyone you know that has a keen interest in music what their favorite records are, and who they would recommend listening to.

The Pros of Client service

One of the main benefits of buying Client service is that you get a real feel for the products you’re buying. You might not buy certain things because they sound good on paper, but they actually taste good, too. One of the main advantages of buying Client service is that you get a real feel for the products you’re buying. You might not buy certain things because they sound good on paper, but they actually taste good, too. Another benefit of buying Client service is that you get to decide for yourself whether or not the record you’re buying is “right.” You can decide for sure whether or not the record you’re buying is the one for you. Another benefit of buying Client service is that you get to decide for yourself whether or not the record you’re buying is “ Appropriate ” for your taste, lifestyle, and environment. Another advantage of buying Client service is that you get to decide for yourself whether or not the record you’re buying is “worthy ” to be heard. Another benefit of buying Client service is that you get to decide for yourself whether or not the record you’re buying is “ suitable ” to be played.

The Cons of Client service

One of the main disadvantages of buying Client service is that you have no idea how much to expect from the record store you are going to. This is particularly true if you are going for a collector’s item or a serious piece of historic documentation. Now, there are a couple of things to keep in mind before buying Client service: - Record stores are usually very small and often have a few Record Life Studios personnel. But they can often be found in larger cities with multiple Record Store Supermarkets. So if you’re looking for a largely rural community, you may want to try a different record store. - Keep in mind that you’re purchasing a lot of records. They are not a gift. If you’re looking for a present, buy a single, a double album, a box set, or a van safety for your younger relatives. - Record stores are not stores of record. They are record dealers. A record store is a business that deals in records, not a record dealer. - If you’re looking for a serious piece of historic documentation, you should look elsewhere. The best advice I can give is that you need to look at the records you are buying from the manufacturers and see what you like. If you can’t tell yet what kinds of records you like, ask a friend to pick up the slack until you can figure it out for yourself.

Conclusion

Ultimately, buying records is like any other purchase: you have to put money down and hope the cash register pops up when you need it. But if you know where to find the records you want and how to shop, you can still save lots of money by buying cheap fake records.

#Clones for sale

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chauhanparkash2003 · 4 years ago

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What Are the Pros and Cons of Community Banks Versus Regional and National Banks?

A few local area banks have opened in the region as of late. What are the focal points and hindrances of working with a local area bank versus a local or public bank?

The Problem - Choosing the Right Bank. Here a bank, there a bank, wherever a bank-bank. A tune, or a reality? Nowadays it is a reality. With such countless banks to look over, it is critical to comprehend their similitudes and contrasts just as their qualities and shortcomings.

The Solution - Finding a Bank That Meets Your Needs. For an individual, picking the correct bank could mean the distinction between getting a home loan and staying in a loft. For a business, picking the correct bank could mean the distinction between acquiring a credit and leaving business. Finding a bank that addresses your issues can be trickier than it sounds. We should take a gander at the two general classes of banks.

Local area Banks. Frequently began by chiefs that imperfection from bigger banks, local area banks have been firing up all through New Jersey. In customary corporate design, a considerable lot of the more effective local area banks were procured by the provincial and public banks in the last part of the 1990's. This has left a void, consequently a chance for new banks to thrive.

One of their vital preferences for clients is immediate admittance to senior investors and top administration. With a local area bank, workers on the forefront have more tact to settle on choices than a bigger bank that should follow stricter strategies and techniques from corporate base camp. For instance, with most huge banks the choice to offer a home loan to an individual depends principally on the candidate's FICO rating.

A people group bank has the adaptability to survey the application, audit the financial assessment and meet with the borrower to acquire a comprehension of any novel conditions that may impact a ultimate choice to offer a home loan.

Local area banks can offer customized administrations the bigger banks struggle coordinating. Regardless of whether it is a teller's grinning face or a bank official conveying records to your business, local area banks go far towards demonstrating a significant degree of customized administration. Local area banks have worked really hard of holding their staff, permitting them to give a predictable client experience.

Shortcomings of local area banks incorporate their restricted branch organization, loaning abilities and scope of monetary administrations. In contrast to a portion of the bigger banks, a considerable lot of the local area banks have few branches. Luckily, most offer Automated Teller Machine cards that can be used around the planet and web access 24 hours per day, seven days every week. A developing business may understand the nearby local area banks just can't offer the $30 million advance expected to extend the tasks, because of bank loaning limitations. Buyers searching for speculation administrations and protection administrations will generally be dismissed at the local area bank. Various people group banks have as of late started offering these administrations through organizations with organizations that have some expertise in these administrations.

Provincial and National Banks. A few buyers like the possibility that they can go into a similar bank, regardless of what city (or state besides) they are in - much the same as an inexpensive food chain. Having the advantage of setting aside an installment at a branch close to your office or a withdrawal close to your house is an extravagance a few buyers just can't help it. A significant number of the bigger banks have hundred of branches in a wide range of areas, from general stores to places of business to remain solitary areas.

Organizations that bargain in real money, similar to cafés and fuel stations, may require a provincial or public manage an account with offices near every one of their areas. A few organizations should store money in their ledger two times each day to diminish the danger of robbery. Bigger organizations looking for money to develop may require the loaning arrangements offered by territorial or public banks. The local and public banks have huge loaning limit locally, broadly and worldwide. Generally local and public banks offer a wide assortment of monetary administrations, from ventures to protection to trusts. These administrations might be offered by representatives of the bank or through external accomplices.Read more

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phgq · 5 years ago

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87 Pasig scholars receive stipend via ATM cards

#PHnews: 87 Pasig scholars receive stipend via ATM cards

MANILA – Barangay San Antonio in Pasig distributed automated teller machine (ATM) cards to scholars where village officials can send them their tuitions and allowances via electronic money transfer (e-money).

Barangay San Antonio chairman Raymond Lising announced on Sunday said their scholars have already received their ATM cards as well as their citizen cards.

Lising said each scholar will receive PHP50,000 maximum per year and a monthly allowance of PHP1,500.

The purpose of the ATM cards is for cashless transactions so that scholars or their parents will no longer have to go to the barangay to claim their stipends, he said.

With these cards, students can withdraw their allowances and tuition fees anytime and anywhere as long as there is an ATM such as in malls and other establishments.

“We put great importance on education as it is one of our priorities here in our barangay. They could check the balance of their ATM cards using a mobile application. Money will be sent in real time because of this e-money transfer,” he said. “Their tuitions and allowances will be quickly transferred to their accounts. They no longer need to go here at the barangay hall to claim these.”

The scholars, however, are required to maintain a general weighted average (GWA) of 80 percent to be able to get the educational assistance.

“They only need to maintain at least 80 percent GWA in order for them to remain scholars of our barangay,” Lising said.

Lising said the educational aid of the barangay will also unburden parents of providing for the education of their children during the pandemic, which affected many people financially.

In the past there were only around 20 scholars which gradually grew under the administration of Lising, who allocated a huge chunk of barangay’s budget for the scholars as he greatly puts great importance to education of the youth.

To date, there are now 87 students under the scholarship program of Barangay San Antonio.

Barangay San Antonio, Pasig is the first barangay in the city to give ATM cards to scholars as it seeks to be more innovative by utilizing technology amid the pandemic.

Lising has been known to push for digital innovations in their barangay. The very active social media accounts of the barangay are testament to his advocacy — giving timely information to San Antonio residents.

Under the memorandum of agreement with the barangay, scholars, after finishing their tertiary education, are required to do something to give back to the community.

“That’s up to them, whatever they could contribute for the betterment of the barangay is very much welcome,” he said.

The only requirement for students to become scholars in Barangay San Antonio, Pasig is that they are registered voters.

On Thursday night, Barangay San Antonio also launched its citizen card virtually. The Barangay San Antonio Citizen Card contains a QR code which contains basic information such as resident’s name, sex and address which will serve as proof that he/she is a resident of the barangay. (PR)

***

References:

* Philippine News Agency. "87 Pasig scholars receive stipend via ATM cards." Philippine News Agency. https://www.pna.gov.ph/articles/1123319 (accessed November 30, 2020 at 02:18AM UTC+14).

* Philippine News Agency. "87 Pasig scholars receive stipend via ATM cards." Archive Today. https://archive.ph/?run=1&url=https://www.pna.gov.ph/articles/1123319 (archived).

#Philippines #News #Filipino #Pinoy #Tourism #Politics #Culture #Editorial #Environment #Society #History

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codeavailfan · 5 years ago

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Algorithm Assignment Help

Algorithms help design assignments . Algorithms Help Design Homework

Students find it difficult to complete algorithm design assignments due to their busy schedules, extra activities and exams being around the corner. If you're one of those million students who don't have enough time to complete algorithmic design assignments, you can get algorithm assignment help from professional programming experts. We have a team of programmers who have expertise and knowledge in designing algorithm assignments that can bring you excellent grades. Before we discuss why it's important to take the help of algorithm design assignments, let's first understand what the algorithm design is.

What is an algorithm?

An algorithm is a series of commands that are used to perform a specific task. In simple terms, you can also define it as a series of instructions to solve a problem by giving it a real input within the given time.

Some of the points to keep in mind when designing the algorithm include:

Every step in the algorithm is important. You need to make sure that each step is clear.

Among all other methods of giving instructions, an algorithm is considered effective.

Input and output should be defined effectively

The designed algorithm can also be applied to other programming languages

There are many students who consider the algorithm to be coding, but in the actual scenario the algorithm is a set of instructions given to the computer to achieve the desired result.

algorithmic technique

There are different ways to execute the same program. Therefore, it is up to the programmer to draft algorithmic assignments to use effective technology that works effectively and efficiently. Some of the common algorithmic techniques that the system is instructed include:

Backgrounding algorithm:

In such a technique, one of the many moves is selected a single trick. If you are able to solve the problem that you have raised, the result will be printed, otherwise it is put behind to select another move. You can't find a solution despite trying all possible steps. Marking the color of a map using four colors is a perfect example of a backgrounding algorithm.

Split and win:

This is the best technique that will break a complex problem into small pieces. You can solve each sub-problem and then join all the problems to give a complete solution. This type of technique is widely used to multiply multiple numbers. There are two key examples of this technology - Quicort and Mergesort. Our algorithm design assignment experts usually use this technique to clarify practical implementation.

Random algorithms:

This type of technology is used to make the right decisions in a logical and correct way. The best example of this type of algorithm is Quicot.

Dynamic programming:

This technology will break the problem into small problems. Although this technique is similar to divide and conquest technique, there are both chalk and cheese. Dynamic programming is used to divide a single issue into sub-issues, which are then overlapped to create the best sub-structure.

Greedy algorithm:

This is a perfect technique that is used to solve optimization problems. This type of algorithm will solve problems by taking into account the current situation. However, it will not take into consideration the future situation to find a solution to the problem.

What are the applications of algorithms?

Algorithms play a very important role in our daily lives. Search for 'best programming assignment assistance' on Google search engines and you'll get results in minutes. How does this happen? Google has a set of mathematical rules or algorithms that ensure the user gets relevant search results. Some other applications of algorithms in our daily life are:

Every time you use a laptop or mobile phone, you're using an algorithm

When you're driving a car, cars work on ECU and electronics algorithms

Automated Teller Machine (ATM) uses algorithms to check if your account number and 4 digit PIN are in sync and you have to withdraw money based on the available balance

You can very well conclude that you use an algorithm in everyday life in about 24 hours. P.S. Smart-watches that wear while sleeping also use an algorithm to calculate your bedtime.

Since everything and everything you do includes algorithms, it's important for you to study them in detail. Life will be fun if you can create the logic behind the work of each tool you use. However, since this topic is very complicated, students find it difficult to complete algorithm assignments and homework on their own. They need an online tutor or algorithm assignment help to make sure they can score excellent grades. So, let's first understand what's expected from a professor in algorithm design project solutions.

What to expect from an algorithm design assignment?

Algorithm design assignments are difficult because there is no way to solve it. However, if you want to get the maximum grade, you should pay attention to these points. This explains what's expected from your algorithm design homework.

It should fully perform data processing, logic and calculation functions.

You can express algorithms in a variety of notations. For example - Pseudocode, Dracon-Chart, Flowchart, Natural Language, Various Programming Languages and Control Tables

You can represent the algorithm in 3 different ways - high-level details, implementation details and formal details

You need to follow a few steps to get the correct results

Step 1 - Define the problem

Step 2 - Model Development

Step 3 - Mention all the specification of the algorithm

Step 4 - Algorithmic Design

Step 5 - Check and recheck multiple times when the algorithm is correct

Step 6 - Algorithmic Analysis and Implementation

Step 7 - Test the program

Step 8 - Prepare reports and documents in detail about each step

Taking care of the above 4 points will complete the design assignment of your algorithm, this is almost every aspect, resulting in excellent grades.

Algorithms help design assignments

We have professional and experienced programmers to help students complete algorithm design assignments, homework and projects. We understand that writing algorithm assignments is challenging and time-consuming for students who are noble-deep with multiple topics and extra-curricular activities. Unless you devote time to studying and understanding algorithms on a daily basis, it is difficult to master the subject, resulting in poor grades. You don't have to risk your career if you're struggling with algorithm design. We are here to ensure excellent grades.

We offer 100% original and literary free work to students within the given time. One of our highly qualified experts will work on your algorithm design assignment and accomplish it. Once the assignment is complete, we appoint another expert to go through the solution and retrieve everything. Update the solution to comply with the requirements and guidelines/guidelines. Another expert is responsible for improving. No matter how complex your algorithm design assignment is, we'll always have a simplified solution for it.

Why do students choose our algorithm design assignment support service?

Programming Assignment Help website is the best algorithmic design assignment help service. We have experts from Ivy League colleges in the US, UK, Australia, Canada and India. Our professionalism and timely delivery of algorithmic design homework has made us the leading player in the industry.

If you're finding it difficult to complete the assistance of programming assignments, you can send us an email or talk to our customer service executive. About the benefits that are forcing students to give us jobs:

Talented and certified programmers from Ivy-League colleges: We have a pool of best algorithm design experts dedicated to writing assignments with proper commentary in the code that enables students to score high grades.

Round the Clock Support: We offer round the clock support to students to handle all their questions. Our customer support team will take input from students and tell the author and students can track the progress of their assignments by logging into their account, sending us an email or via live chat.

Distribute original and plagiarism-free content: we are strongly opposed to plagiarism. Every piece of material in our company will have to undergo plagiarism. We use the best plagiarism tool available in the market to check content for plagiarism issues. We send plagiarism reports with paper to students to boost their confidence levels.

Deliver on time: We deliver algorithm design assignments before the given time to give students a review of the work and bring us back for any changes before submitting it.

Free revision: We want revisions as many times as you want and unless you are happy with the output. Customer satisfaction matters to us.

Pricing structure: We understand that you are a student and so we ensure that we provide algorithm assignment help at affordable prices.

A+ grade algorithm design assignments will never pinch your pocket. What are you waiting for? Command now!

#Algorithm Assignment Help

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craigbrownphd-blog-blog · 6 years ago

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What will make "Data" work in 2019?

#ICYDK: Speed of Adoption will matter more than ever It’s been a while since businesses have been debating over investment into data and analytics. Some people have already done it and it is working out. We are over and above the apprehensions of whether Data investments work or not, now, the questions is how soon you can make it work. It has to be strategy first and a top down push on getting the data investments to execution and results. It is a herculean task but by now there are already best practices and open source tools to help adopt the data solutions. You cannot do it half-heartedly, you must determine before 2019 starts on how much are you going to be data-led and then be true to yourself as an organization. Machine Learning will still be a buzz, Platforms will rule the world Machine learning and Deep learning buzzwords are here and they will be here for a while. Automation is a no brainer, whether it is making processes efficient or models. Unsupervised learning has been proving its application in every single area of technology utilization for good. As the human interactions with technology becomes more and more multi-faceted leading to complexities in understanding the patterns in usage, it is imperative to expect more and more need for abstraction and automation of algorithms to decipher the insights. Scalability is another important aspect and platforms bring just that. We all will see a huge surge in rise of the platforms that solve specific marketing and customer problems with the use of algorithms, across industries Open data and connected data will be the key for data economy Data Co-ops and partnerships are a reality. No one owns the customer and only way to complete the puzzle is for the companies to come together and share the information. Data Privacy and security will be a constant challenge but that’s what make the technology interesting. I foresee the advent of many innovative companies to solve the challenges in secure and anonymized data sharing for good of all Data Acquisition will be a priority for businesses. The sample bias is still prevalent, and the meaning of analytics has gone beyond “Crunching your customers’ past behaviors”. The internal data is not enough and there is a happy realization by companies to focus on getting external data and more data about their existing and prospective customers. Companies will spend more in 2019, on acquiring data- from 2nd party to 3rd party to government data. People based marketing will replace data-based marketing The omni-channel complexity needs to solved and the time is now. Advertising spend spills, less precise targeting, probabilistic view on customers and inaccurate attributions will be more heavily challenges considering the rise of technology that can solve this problem by resolving customer identities and help identity real people and not just cookies. Buy Vs. make strategy will skew towards “ Buy and Make” Stratgey It is going to be a hybrid play for setting up analytics capabilities. Companies have long realized they can’t just build CoEs on their own, neither it is wise to just depend upon consulting firms to make the magic work for them. The future trend is going to be taking help from experts and build your own capabilities faster. Specialized strategic consulting companies can help teach how to build the capabilities and the platforms will help reduce the dependencies on creating data scientists vs grooming business guys to help drive data led transformations Digital transformation will get real, Marketing Automation will speed up With all the consolidation and investments in Martech/Adtech, it is well proven that Digital transformation is now more real than ever . We have come past the education mode and now it is execution mode. Companies really want to achieve marketing automation and many are half way through it. Data Scientists will transform their role into solution evangelists & Story tellers The constant challenge of data guys being too technical or objective has now been understood by traditional data scientists. With the help of great visualization tools and aid of data processing platforms, now is the time for data scientists to be more business savvy and tell their stories more effectively. The most promising data opportunity will be to educate people about data There is still a huge gap in terms of business guys or marketers being completely convinced to harness the power of data, to an extent of transforming culture. There will an uptick in the number of “educators” coming out to educate people through open platforms, Linkedin, Meetups, internal company platforms and paid events. You will have more data conferences, Seminars and gurus in 2019 and we need them. https://goo.gl/PFSF3W

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thecoroutfitters · 6 years ago

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Prior to I address this, it is actually essential to banish a belief placed about through shabby on the web going out with websites concerning Filipinas (as well as, for that issue, just as the girls of China, Thailand et cetera of South East Asia, Russia, several Black, nations and also intermittent cultivating nation where females find unions along with Western side guys). There is actually a story pitched routinely that females of these nations are actually “& ldquo; additional standard and also considerate & rdquo; than western side ladies, that they wish the option to become a loyal wife, child-bearer-and-rearer and also housemaid. Guy in the west typically create the oversight of supposing that these even more standard ladies in the establishing planet will definitely approve a far more 19th Century lifestyle than United States, International and the like ladies will, however as a matter of fact a lot of these girls are actually usually seeking to steer clear of guys with that said type of mindset in their very own nations and also desire to eat of the very same liberated cherry that western side ladies delight in.

filipina wife

Filipino feminist movement is actually quite various to that in various other nations, the Philippine work market (in particular fields a minimum of) is actually so much more identical than in some comparable areas, as well as ladies are actually a substantial interject the place of work where they carry out possess solid possibilities for advertising and also private progression; this is actually mainly as a result of need since the nation possesses numerous financial concerns, thus despite the fact that females are actually certainly not consistently handled effectively, they additionally put on’& rsquo; t take a lot crap coming from the males in their lifestyles, be they partners, men or even supervisors. Wipe out coming from your thoughts any kind of concept of subject, loyal servants – they anticipate appreciation.

Currently, what is actually a Filipina actually just like?

The good fashions are actually mostly real. Friendly, yes, devoted, yes – just as long as support is actually well-reciprocated, kind as well as handy – most definitely, and also they perform have a tendency to become quite completed at dealing with their amounts.

One necessary trait to become knowledgeable about culturally is actually that Filipino males and females may be quite sensational in attribute, and also typically seem creating hills out of mounds through our requirements, therefore be actually prepped to either bear with or even to possess some blazing rows.

Filipinos are actually likewise extremely envious folks, which once again I strongly believe to become a signs and symptom of the society as opposed to a portion of it. The Philippines is actually a mostly Catholic nation, and also one that is actually 2nd just to the Vatican on its own in relations to is actually near faithfulness to conviction; having said that, the country’& rsquo; s Catholic obedience is actually an instead slim veiling under which indiscrimination as well as cheating are actually equally as widespread as they are actually somewhere else.

There is actually fantastic stress coming from Filipino community to get married to and also possess loved ones, which a lot of perform at youthful grows older and also commonly relatively naively unaware to the facts of a lifestyle collaboration, creating a wonderful numerous faulty family members – if you are actually ending up being passionately included along with a Filipina, understand her standing since she might possess been actually gotten married to currently, and also even when split up for time, still legitimately wed. Separation still is actually certainly not a lawful idea listed here, and also annulment is actually an extensive and also pricey method stuck in authoritative challenge, and also she succeeded’& rsquo; t have the ability to acquire a visa to join you in your nation without that annulment being actually carried out and also cleaned; as well as if you pick to stay in the Philippines along with your brand-new companion, you would certainly not receive any sort of lawful standing as her companion up until you have the capacity to wed, thus you would certainly require to abide by visitor visa guidelines as well as be actually fiscally self-dependent, or even job and also maintain the possibly pricey procedure of sustaining a yearly job license – some companies could assist you using this, yet commonly just if you pack an unique requirement that they may’& rsquo; t locate in the populace unconfined.

The moment in a partnership, and also particularly when wed, you are going to know that Filipino family members unite securely, and also you are going to be actually counted on to assist once in a while. Ensure that you fit through this coming from the get-go, as well as established perimeters. Any sort of great son-in-law will definitely sustain his wife’& rsquo; s moms and dads in negative opportunities, as well as given that you are actually western side and also she is actually Filipino, they will certainly possess extra hard times than you may be made use of to. Early in your connection, you need to have to concur what you fit along with in relations to the amount of you may manage to aid (don’t forgeting, obviously, that you possess your personal loved ones very) and also the amount of you agree to assist. Assisting the moms and dads is actually alright, however wear’& rsquo; t permit on your own to come to be an Automated Teller Machine for your siblings-in-law or even the prolonged loved ones, each of you require to establish as well as concur requirements from scratch.

Count on is actually frequently a concern in connections along with Filipinas. Filipino guys carry out certainly not need to be afraid everything coming from the ‘& lsquo; little one assistance & rsquo; that our team invite the west, they may acquire a girl expectant, leave and also never ever find her or even the little one once again without worry that the federal government will definitely soak their wallets; therefore they commonly carry out. Your Filipina sweetheart or even bride could concern you along with a specific volume of connection luggage, as well as could certainly not locate it also very easy to completely trust you. Except those that function in western side atmospheres, like the call-centre sector, they will additionally be actually much less knowledgeable as well as absolutely much less pleasant along with the truth that your good friends are actually around half crack along sex lines, be actually planned for her to assess your Facebook buddies, Instagram as well as Twitter fans and the like as well as often talk to concerns like “& ldquo; That & rsquo; s she? The length of time possess you recognized her? Just how performed you fulfill her?”Possess you courted her? & rdquo;. If you adore your partnership along with your Filipina companion, you are going to take a few of this in your stride in the beginning, presuming it to become the usual method of understanding one another, yet it is necessary to take management of the scenario as quickly as you observe it or else it carries out end up being mentally draining pipes. My personal wife still often talks to “& ldquo; That & rsquo; s that & rdquo; when she finds my Facebook or even Instagram, however our team’& rsquo; ve possessed lengthy chats regarding exactly how unkind the evident absence of trust fund is actually, as well as she currently creates the attempt to inquire me without the common Filipino soap opera, as well as I satisfy her 50% of technique through regularly detailing that the individual resides in particular – and also I have actually created an unique aspect of offering her to my shut as well as routine close friends to make sure that she recognizes all of them also.

One last point you could possess talked to various other westerners that have actually checked out the Philippines, or maybe that stay right here. Filipinas are actually simple prepares, right? Properly, the solution to that inquiry is actually both “& ldquo; yes & rdquo; as well as & ldquo; no & rdquo;, as well as just how much of course as well as no relies totally about what sort of individual being actually you are actually. Allow me advise you that the Philippines is actually a greatly Catholic nation, as well as the large a large number of its own individuals state deep-seated theological viewpoints and also look after a whole lot concerning their social graphic. The principle of one-night stand as we understand it in the west is actually incredibly unusual in the Philippines. Yes, it may in some cases be actually very easy to urge a Filipina right into bedroom, yet she will certainly possess a lot more on her thoughts than simply this evening, and also most likely currently observes a partnership establishing along with you, thus if you are actually certainly not a comprehensive arsehole, you will certainly create your purposes very clear prior to going to sleep if you put on’& rsquo; t find the very same trait.

There are actually, obviously, individuals readily available on a by the hour or even every night manner in specific locations, these will definitely create on their own understood (you are going to possibly understand in any case since you will certainly reside in a location where the lighting is actually metaphorically reddish); however there are actually likewise, in particular spots visited often through immigrants, girls that obscure free throw line in between the woman of the streets and also those that plan to be actually brides – they may simply possess an enchanting passion in you (such connections are actually created promptly below) and also wish for the greatest, thus devote a bunch of opportunity along with you on your travel as well as appreciate your friendliness, possibly she performs this on a regular basis to enhance her profit (also the incredibly pious may possess pliable restrictions when amount of money is actually quite strict), yet realize that you are actually pullulating somewhat darkened waters. If you carry out satisfy a Filipina in these sort of instances, put on’& rsquo; t presume that receptivity will certainly proceed as soon as a partnership ends up being ‘& lsquo; authorities & rsquo;, it gained & rsquo; t. No Filipina will certainly not allow you being actually a poor young boy within the boundaries of a total partnership.

Eventually (actually ultimately, this moment), if you come across a Filipina online, it stands up to main reason that she has actually conversed online along with various other males equally as you believe talked internet along with various other girls. There is actually an extremely certain collection of western side guys that troll the totally free dating websites and also applications, and also they are actually really identical to those males that involve the Philippines as sexual activity vacationers seeking low-priced and also brief delights, in short those searching for those label of western side informal, straightforward sexual activity that doesn’& rsquo; t genuinely exist in Asia; as well as there is actually a really true odds that your gal has actually run into a variety of these. She might possess also carried out points on the internet that she isn’& rsquo; t happy with. This performs certainly not create her ‘& lsquo; simple & rsquo; just like I pointed out over when I spoke about the obvious simplicity of obtaining some Filipinas right into bedroom, it is actually more probable to indicate that she has actually misinterpreted the behavior of ‘& lsquo; those & rsquo; type of males online to become ordinary in the west and also thought that showing off one’& rsquo; s physical body and even placing on sexual activity behaves throughout video recording phone calls is actually the conventional desire.

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techstaffer · 6 years ago

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Teaching Your College-Age Child about Money

When your child first started school, you doled out the change for milk and a snack on a daily basis. But now that your kindergartner has grown up, it’s time for you to make sure that your child has enough financial knowledge to manage money at college.

Lesson 1: Budgeting 101

Perhaps your child already understands the basics of budgeting from having to handle an allowance or wages from a part-time job during high school. But now that your child is in college, he or she may need to draft a “real world” budget, especially if he or she lives off-campus and is responsible for paying for rent and utilities. Here are some ways you can help your child plan and stick to a realistic budget:

Help your child figure out what income there will be (money from home, financial aid, a part-time job) and when it will be coming in (at the beginning of each semester, once a month, or every week).

Make sure your child understands the difference between needs and wants. For instance, when considering expenses, point out that buying groceries is a need and eating out is a want. Your child should understand how important it is to cover the needs first.

Determine together how you and your child will split responsibility for expenses. For instance, you may decide that you’ll pay for your child’s trips home, but that your child will need to pay for art supplies or other miscellaneous expenses.

Warn your child not to spend too much too soon, particularly when money that has to last all semester arrives at the beginning of a term. Too many evenings out in September eating surf and turf could lead to a December of too many evenings in eating cold cereal.

Acknowledge that college isn’t all about studying, but explain that splurging this week will mean scrimping next week. While you should include entertainment expenses in the budget, encourage your child to stick closely to the limit you agree upon.

Show your child how to track expenses by saving receipts and keeping an expense log. Knowing where the money is going will help your child stay on track. Reallocation of resources may sometimes be necessary, but help your child understand that spending more in one area means spending less in another.

Encourage your child to plan ahead for big expenses (the annual auto insurance bill or the trip over spring break) by instead setting aside money for them on a regular basis.

Caution your child to monitor spending patterns to avoid excessive spending, and ask him or her to come to you for advice at the first sign of financial trouble.

You should also help your child understand that a budget should remain flexible; as financial goals change, a budget must change to accommodate them. Still, your child’s ultimate goal is to make sure that what goes out is always less than what comes in.

Lesson 2: Opening a bank account

For the sake of convenience, your child may want to open a checking account near the college; doing so may also reduce transaction fees (e.g. automated teller machine (ATM) fees). Ideally, a checking account should require no minimum balance and allow unlimited free checking; short of that, look for an account with these features:

A simple fee structure

ATM or debit card access to the account

Online or telephone access to account information

Overdraft protection

To avoid bouncing checks, it’s essential to keep accurate records, especially of ATM or debit card usage. Show your child how to balance a checkbook on a regular (monthly) basis. Most checking account statements provide instructions on how to do this.

Encourage your child to open a savings account too, especially if he or she has a part-time job during the school year or summer. Your child should save any income that doesn’t have to be put towards college expenses. After all, there is life after college, and while it may seem inconceivable to a college freshman, he or she may one day want to buy a new car or a home.

Lesson 3: Getting credit

If your child is age 21 or older, he or she may be able to independently obtain a credit card. But if your child is younger, the credit card company will require you, or another adult, to cosign the credit card application, unless your child can prove that he or she has the financial resources to repay the credit card debt. A credit card can provide security in a financial emergency and, if used properly, can help your child build a good credit history. But the temptation to use a credit card can be seductive, and it’s not uncommon for students to find themselves over their heads in debt before they’ve declared their majors. Unfortunately, a poor credit history can make it difficult for your child to rent an apartment, get a car loan, or even find a job for years after earning a degree. And if you’ve cosigned your child’s credit card application, you’ll be on the hook for your child’s unpaid credit card debt, and your own credit history could suffer.

Here are some tips to help your child learn to use credit responsibly:

Advise your child to get a credit card with a low credit limit to keep credit card balances down.

Explain to your child that a credit card isn’t an income supplement; what gets charged is what’s owed (and then some, given the high interest rates). If your child continually has trouble meeting expenses, he or she should review and revise the budget instead of pulling out the plastic.

Teach your child to review each credit card bill and make the payment by the due date. Otherwise, late fees may be charged, the interest rate may go up if the account falls 60 days past due, and your child’s credit history (or yours, if you’ve cosigned) may be damaged.

If your child can’t pay the bill in full each month, encourage him or her to pay as much as possible. An undergraduate student making only the minimum payments due each month on a credit card could finish a post-doctorate program before paying off the balance.

Make sure your child notifies the card issuer of any address changes so that he or she will continue to receive statements.

Tell your child that when it comes to creditors, students don’t get summers off! Your child will need to continue to make payments every month, and if there’s a credit card balance carried over from the school year, your child may want to use summer earnings to pay it off in order to start the next school year with a clean slate.

Finally, remind your child that life after college often involves student loan payments and maybe even car or mortgage payments. The less debt your child graduates with, the better off he or she will be. When it comes to the plastic variety, extra credit is the last thing a college student wants to accumulate!

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skyblueinsurance · 6 years ago

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Chubb Forms 15-Year Distribution Agreement with Chile’s Largest Bank

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Chubb Ltd. is boosting its presence and digital capabilities in Latin America by way of a 15-year distribution agreement with Banco de Chile, the largest bank based in Chile.

“This partnership will meaningfully increase Chubb’s already significant presence in Chile and in the important region of Latin America,” Chubb Chairman and CEO Evan Greenberg said in prepared remarks. “Similar to other strategic relationships, our partnership with Banco de Chile significantly extends our distribution in Chile, enabling us to reach and serve millions of new customers, including in digitally advanced ways.”

Terms of the agreement call for Chubb to distribute its general and life insurance products exclusively in Chile through Banco de Chile’s multiple channels, including in-branch, automated teller machines, direct marketing and a number of digital channels including mobile, pending any applicable regulatory approvals. Banco de Chile will distribute Chubb’s insurance products through its wholly owned captive broker, which Chubb said has a long track record of insurance sales success through bank channels.

Chubb also gains exclusive rights to sell insurance products currently distributed by Banco de Chile, including credit life, home and fire, theft/personal protection, personal accident, supplemental health, travel and a variety of commercial products. Chubb will also roll out new products over time as part of the partnership.

Through Banco de Chile, Chubb gains a wide distribution network – a Santiago-based bank with nearly 400 branches that serves more than two million customers across the country. The bank’s business lines include consumer and commercial banking, insurance and stock brokerage, asset management and financial advisory.

Eduardo Ebensperger O., CEO of Banco de Chile, said that partnering with a “first-class” company such as Chubb will bring real benefits to its customers.

“Banco de Chile is proud of becoming a partner of a first-class company such as Chubb and we know that our clients will benefit from Chubb’s expertise, innovation capabilities, strong attention to detail and its service quality standards, all of which are crucial in the insurance business,” he said.

Source: Chubb

This article first appeared in Insurance Journal’s sister publication, Carrier Management.

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theinvinciblenoob · 7 years ago

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Acorns, the financial management service for micro-investments, is adding a rewards debit card to its arsenal of tools aimed at getting Americans to create balanced stock portfolios for economic health.

The company has already racked up 10,000 pre-orders for its new (gorgeous) payment card that offers perks like investments into Acorns accounts when users purchase with the card at certain online and brick and mortar retailers.

The debit card comes with Acorns micro-investment and its retirement account built into the card’s services. According to the company, it’s the next step in its mission to build an easy, automated system to spend and save money in a way that benefits average consumers.

The card comes with real-time round-ups on all purchases so that consumers are automatically putting money into their Acorns accounts every time they spend.

Linked with Acorns customers’ bank accounts, the card also offers digital direct deposit, mobile check deposit and check sending, free bank-to-bank transfers and unlimited free or fee-reimbursed withdrawals from automatic teller machines around the country.

In addition to those features, the company said users can get up to 10 percent of every purchase made at local merchants deposited into an Acorns account.

Card users get a bundle of the card, Acorns and the Acorns later account for $3 per month. The Acorns portfolio management service costs $1 on its own; coupled with the retirement account, the service is $2.

The debit card works as an Acorns checking account, which is secured by the Federal Deposit Insurance Corp. for up to $250,000.

For Acorns chief executive Noah Kerner, the card’s physical design was just as important as the services it offers.

“The design is important to us because this card is a badge of honor,” said Kerner. “By choosing it, people are choosing to save, invest and earn while they spend. They’re handling their business and they deserve a card that reflects that — a card made of tungsten metal, the heaviest non-radioactive element, and designed together with the visionary behind Apple’s design group.”

According to Kerner, the company has already received 10,000 pre-orders for the card. Only 100,000 cards will be available initially, and the first cards will be mailed by November 1, 2018.

Existing Acorns customers can sign up here. New customers must create an Acorns account and then are eligible to sign up for the debit card.

via TechCrunch

#IFTTT #TechCrunch

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cowgirlontheloose · 7 years ago

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The Psychic and the Shorebird

As a card-carrying country bumpkin with hermetic tendencies, I did not want to go to Toronto. Nonetheless, one recent Tuesday morning found me parking my car at the Smiths Falls train station. There I tried unsuccessfully for many minutes to pay for three days of parking through an automated machine. I finally gave up with a curse as the VIA train pulled in, and left my car to its fate.

I was on my way to a photography exhibit which I was part of, at a gallery on Dundas St. W. I had missed the opening party, and would gladly have missed the whole thing -- not the show, just the city. But I had promised to help woman the gallery and, with my friend Bonnie, dismantle all the images and get them back to Ottawa at the end of the show.

I rocked along gently in the train’s speeding cradle, feeling glad I was on my way. No turning back now. We sped along past the diaphanous green of unfolding buds. Clickity-clack, lullaby rock. Zombies around me stared at their devices, ignoring spring. Together we swayed along, the tracks a bridge between realities: small town and Hog Town; quiet and loud; easy going and in-your-face. Cities are way too frenetic for me. And yet, they can also be a tonic now and then. A good dose of medicine to remind me there are many other perfectly fine ways of existing in this world.

The gallery was mostly quiet and spring was doing her best, in spite of the racket out on Dundas West. So I sat on a bench in front of the gallery, watching a legless man in a wheelchair argue with an acquaintance outside the bar next door. Friend? Foe? I strained to eavesdrop but the whizz and bellow of traffic took precedence.

Wheelchair man was there the next day too, with three other barflies, all waving hands, smoking cigarettes and posturing. When traffic and sun got too much, I retreated to the teeny courtyard at the back of the gallery. Here a peony and honeysuckle vine reassured me that all was not lost. The clink of glasses and mens voices floated over the high fence between gallery and bar.

About two blocks away, a psychic’s parlour was offering a $10. special to read palms. It also advertised “Open 7 days a week, 9 am to 9 pm.” Even better, in two languages besides English, the fortune teller promised results “within 24 hours and with 95% accuracy”. Wyniki w 24 godziny. 95% de precisao. But best of all, she claimed to “remove evil, black magic, which Kraft, Bad luck.” I confess it was the which Kraft that finally won me over.

While Bonnie watched the gallery, I bee-lined to the fortune teller. In her parlour, I sat in a fake Louis XV chair of fake red velvet trimmed in gold-fake. However, the dark-haired woman across from me -- surely of Roma descent --was clearly the real deal. Anyone who has delivered advice on Life’s distressing concerns for 45 years for seven days a week has got to have a heart the size of, well, Toronto. Maybe she doesn’t always hit the nail on the fortune-telling head -- (remember that elusive 5%.) Still, she believes in what she does, and must be successful at it. Otherwise she would have switched to a career in retail or computers by now. How many of us can say the same? And she gets to work from home and deduct things like hydro and decor from her taxes.

Later a dear friend lectured me on the stupidity of wasting my cash on charlatans. But he’d missed the point. I was smitten by her earnest parlour and all that she stands for: hope, intention, reaching out to the mysterious; an oracle to rely on when Life is a mess. I so yearned to photograph her and her surroundings from every possible angle that I nearly slid from my social-climbing chair. Ever since I was a tadpole, I’ve been wanting to slip into the skins of elephant handlers, wing-walkers, extreme ocean surfers, explorers of any kind, and Mumbai slum-dwellers. Not permanently -- just for a few days, maybe a week. Like Thich Nhat Hanh says in his poem, This Body Is Not Me: We meet each other in all forms of Life.

* * * *

Thursday morning we dismantled the show, stacked 30-plus images into a rented SUV and blew town. I was glad to have come, yet thrilled to leave as the eastern suburbs fled behind us and green fields scrolled into view. As time passed, my short time in Toronto morphed into a kaleidoscope of memories. At the heart of it all; the recollection that kept appearing from the jumble of noisy and colourful events (along with the psychic and an outstanding black sesame taro ice cream cone I slurped eagerly one evening) was the killdeer that Bonnie and I encountered whilst walking near a railroad track not far from Dundas West. The little shorebird, surely a parent, was shrieking in distress. We stopped to peer in her direction. A high chain link fence separated us. The bird continued her anguished calls without ceasing, standing on gravel by the tracks. My best guess is that she had laid her eggs, beautifully camouflaged, amongst the stones, and now a predator was approaching. A snake? A rat? We couldn’t help her, and sadly walked on. But her cries ring in my head still whenever I review my Big City Adventure. It seems important to remember these things for all sorts of reasons I need not spell out here.

As for the psychic, I upgraded from a $10. palm reading to a $30. Tarot card spread. I will live to 100, die of natural causes, and receive an offer that will lead to creative success and pots of dough before the year is out. (She stressed that I must not turn down this offer) Half of the reading clearly applied to Bonnie’s life, not mine. But hey -- who’s keeping score. We’re all the same person anyway -- it’s just that we are under the misguided belief that we are unique individuals.

So here I will end, abruptly perhaps, (mostly because I have pretty well exhausted this subject) with a quote from Kurt Vonnegut: Enjoy the little things in life. For one day you’ll look back and realize they were big things.

#writing #nature #cities #psychics #fortune telling #memoir

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clarenceomoore · 7 years ago

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Are There Infinite Jobs?

The following is an excerpt from GigaOm publisher Byron Reese’s new book, The Fourth Age: Smart Robots, Conscious Computers, and the Future of Humanity. You can purchase the book here.

The Fourth Age explores the implications of automation and AI on humanity, and has been described by Ethernet inventor and 3Com founder Bob Metcalfe as framing “the deepest questions of our time in clear language that invites the reader to make their own choices. Using 100,000 years of human history as his guide, he explores the issues around artificial general intelligence, robots, consciousness, automation, the end of work, abundance, and immortality.”

One of those deep questions of our time:

When the topic of automation and AI comes up, one of the chief concerns is always technology’s potential impact on jobs. Many fear that with the introduction of wide-scale automation, there will be no more jobs left for humans. But is it really that dire? In this excerpt from The Fourth Age, Byron Reese considers if the addition of automation and AI will really do away with jobs, or if it will open up a world of new jobs for humans.

In 1940, only about 25 percent of women in the United States participated in the workforce. Just forty years later, that percentage was up to 50 percent. In that span of time, thirty-three million women entered the workforce. Where did those jobs come from? Of course, at the beginning of that period, many of these positions were wartime jobs, but women continued to pour into the labor force even after peace broke out. If you had been an economist in 1940 and you were told that thirty-three million women would be out looking for jobs by 1980, wouldn’t you have predicted much higher unemployment and much lower wages, as many more people would be competing for the “same pool of jobs”?

As a thought experiment, imagine that in 1940 General Motors invented a robot with true artificial intelligence and that the company manufactured thirty-three million of them over forty years. Wouldn’t there have been panic in the streets about the robots taking all the jobs?

But of course, unemployment never went up outside of the range of the normal economic ebb and flow. So what happened? Were thirty-three million men put out of work with the introduction of this large pool of labor? Did real wages fall as there was a race to bottom to fight for the available work? No. Employment and wages held steady.

Or imagine that in 2000, a great technological breakthrough happened and a company, Robot Inc., built an amazing AI robot that was as mentally and physically capable as a US worker. On the strength of its breakthrough, Robot Inc. raised venture capital and built ten million of these robots and housed them in a giant robot city in the Midwest. You could hire the robots for a fraction of what it would cost to employ a US worker. Since 2000, all ten million of these robots have been hired by US firms to save costs. Now, what effect would this have on the US economy? Well, we don’t have to speculate, because the setup is identical to the practice of outsourcing jobs to other countries where wages are lower but educational levels are high. Ten million, in fact, is the lowest estimate of the number of jobs relocated offshore since 2000. And yet the unemployment rate in 2000 was 4.1 percent and in 2017 it is 4.9 percent. Real wages didn’t decline over that period. Why didn’t these ten million “robots” tank wages and increase unemployment? Let’s explore that question.

For the past two hundred years, the United States has had more or less full employment. Aside from the Great Depression, unemployment has moved between 3 and 10 percent that entire time. The number hasn’t really trended upward or downward over time. The US unemployment rate in 1850 was 3 percent; in 1900 it was 6.1 percent; and in 1950 it was 5.3 percent.

Now picture a giant scale, one of those old-timey ones that Justice is always depicted holding: on one side of the scale you have all the industries that get eliminated or reduced by technology. The candlemakers, the stable boys, the telegraph operators. On the other side of the scale you have all the new industries. The Web designers, the geneticists, the pet psychologists, the social media managers.

Why don’t those two sides of the scale ever get way out of sync? If the number of jobs available is a thing that ebbs and flows on its own due to technological breakthroughs and offshoring and other independent factors, then why haven’t we ever had periods when there were millions and millions more jobs than there were people to fill them? Or why haven’t we had periods when there were millions and millions fewer jobs than people to fill them? In other words, how does the unemployment rate stay in such a narrow band? When it has moved to either end, it was generally because of macro factors of the economy, not an invention of something that suddenly created or destroyed five million jobs. Shouldn’t the invention of the handheld calculator have put a whole bunch of people out of work? Or the invention of the assembly line, for that matter? Shouldn’t that have capsized the job market?

A simple thought experiment explains why unemployment stays relatively fixed: Let’s say tomorrow there are five big technological breakthroughs, each of which eliminates some jobs and saves you, the consumer, some money. They are:

A new nanotech spray comes to market that only costs a few cents and eliminates ever needing to dry-clean your clothes. This saves the average American household $550 a year. All dry cleaners are put out of business.

A crowdfunded start-up releases a device that plugs into a normal wall outlet and converts food scraps into electricity. “Scraptricity” becomes everyone’s new favorite green energy craze, saving the average family $100 a year off their electric bill. Layoffs in the traditional energy sector soon follow.

A Detroit start-up releases an AI computer controller for automakers that increases the fuel efficiency of cars by 10 percent. This saves the average American family $200 of the $2,000 they spend annually on gas. Job losses occur at gas stations and refineries.

A top-secret start-up releases a smartphone attachment you breathe into. It can tell the difference between colds and flu, as well as viral and bacterial infections. Plus, it can identify strep throat. Hugely successful, this attachment saves the average American family one doctor visit a year, which, given their co-pay, saves them $75. Job losses occur at walk-in clinics around the country.

Finally, high-quality AA and AAA batteries are released that can recharge themselves by being left in the sun for an hour. Hailed as an ecological breakthrough, the batteries instantly displace the disposable battery market. The average American family saves $75 a year that they would have spent on throwaway batteries. Job losses occur at battery factories around the world.

That is what tech disruption looks like. We have seen thousands of such events happen in just the last few years. We buy fewer DVDs and spend that money on digital streaming. The number of digital cameras we are buying is falling by double digits every year, but we spend that money on smartphones instead. The amount being spent on ads in printed phone directories is falling by $1 billion a year in the United States. Businesses are spending that money elsewhere. We purchase fewer fax machines, newspapers, GPS devices, wristwatches, wall clocks, dictionaries, encyclopedias. When we travel, we spend less on postcards. We buy fewer photo albums and less stationery. We mail less mail and write fewer checks. When is the last time you dropped a quarter in pay phone or dialed directory assistance or paid for a long-distance phone call?

In our hypothetical case above, if you add up what our technological breakthroughs save our hypothetical family, it is $1,000 a year. But in that scenario, what happens to all those dry cleaners, coal workers, gas station operators, nurses, and battery makers? Well, sadly, they lost their jobs and must look for new work. What will fund the new jobs for these folks? Where will the money come from to pay them? Well, what do you think the average American family does with the $1,000 a year they now have? Simple: They spend it. They hire yoga instructors, have new flower beds put in, take up windsurfing, and purchase puppies, causing job growth in all those industries. Think of the power of $1,000 a year multiplied by the hundred million households in the United States. That is $100,000,000,000 (a hundred billion dollars) of new spending into the economy every year. Assuming a $50,000 wage, that is enough money to fund the yearly salaries of two million full-time people, including our newly unemployed dry cleaners and battery bakers. Changing careers is a rough transition for them, to be sure, and one that society could collectively do a much better job facilitating, but the story generally ends well for them.

This is how free economies work, and why we have never run out of jobs due to automation. There are not a fixed number of jobs that automation steals one by one, resulting in progressively more unemployment. That simply isn’t how the economy works. There are as many jobs in the world as there are buyers and sellers of labor.

Additionally, most technological advances don’t eliminate entire jobs all at once, per se, but certain parts of jobs. And they create new jobs in entirely unexpected ways. When ATMs came out, most people assumed they would eliminate the need for bank tellers. Everyone knew what the letters ATM stood for, after all. But what really happened? Well, of course, you would always need some tellers to deal with customers wanting more than to make a deposit or get cash. So instead of a branch having four tellers and no machines, they could have two tellers and two ATMs. Then, seeing that branches were now cheaper to operate, banks realized they could open more of them as a competitive advantage, and guess what? They needed to hire more tellers. That’s why there are more human bank tellers employed today than any other time in history. But there are now also ATM manufacturing jobs, ATM repair jobs, and ATM refilling jobs. Who would have thought that when you made a robot bank teller, you would need more human ones?

The problem, as stated earlier, is that the “job loss” side of the equation is the easiest to see. Watching every dry cleaner on the planet get shuttered would look like a tragedy. And to the people involved, it would be one. But, from a larger point of view, it wouldn’t be one at all. Who thinks it is a bad idea to have clothes that don’t get dirty? If clothes had always resisted dirt, who would lobby to pass a law that requires that all clothes could get dirty, so that we could create all the dry cleaning jobs? Batteries that die and cars that run inefficiently and unnecessary trips to the doctor and wasted energy are all negative things, even if they make jobs. If you don’t think so, then we should repeal littering laws and encourage people to throw trash out their car windows to make new highway cleanup jobs.

So this is why we have never run out of jobs, and why unemployment stays relatively constant. Every time technology saves us money, we spend the money elsewhere! But is it possible that the future will be different? Some argue that there are new economic forces at play. It goes like this: “Imagine a world with two companies: Robotco and Humanco. Robotco makes, in a factory with no employees, a popular consumer gadget that sells for $100. Meanwhile, Humanco makes a different gadget that also costs $100, but it is made in a factory full of people.

“What happens if Robotco’s gadget becomes wildly successful? Robotco sees its corporate profits shoot through the roof. Meanwhile, Humanco flounders, because no one is buying its product. It is forced to lay off its human staff. Now these humans don’t have any money to buy anything while Robotco sits on an ever-growing mountain of cash. The situation devolves until everyone is unemployed and Robotco has all the money in the world.”

Some say this is happening in the United States right now. Corporate profits are high and those profits are distributed to the rich, while wages are stagnant. The big new companies of today, like Facebook and Google, have huge earnings and few employees, unlike the big companies of old, like durable-goods manufacturers, which typically needed large workforces.

There is undoubtedly some truth in this view of the world. Gains in productivity created by technology don’t necessarily make it into the pockets of the increasingly productive worker. Instead, they are often returned to shareholders. There are ways to mitigate this flow of capital, which we will address in the chapter about income inequality, but this should not be seen as a fatal flaw of technology or our economy, but rather something that needs addressing head-on by society at large.

Further, Robotco’s immense profits probably don’t just sit in some Scrooge McDuck kind of vault in which the executives have pillow fights using pillows stuffed with hundred-dollar bills. Instead, they are put to productive use and are in turn loaned out to people to start businesses and build houses, creating more jobs. An economy with no corporate profits and everything paid out in wages is as dysfunctional as the reverse case we just explored.

To read more of GigaOm publisher Byron Reese’s new book, The Fourth Age: Smart Robots, Conscious Computers, and the Future of Humanity, you can purchase it here.

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babbleuk · 7 years ago

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Are There Infinite Jobs?

The following is an excerpt from GigaOm publisher Byron Reese’s new book, The Fourth Age: Smart Robots, Conscious Computers, and the Future of Humanity. You can purchase the book here.

One of those deep questions of our time:

To read more of GigaOm publisher Byron Reese’s new book, The Fourth Age: Smart Robots, Conscious Computers, and the Future of Humanity, you can purchase it here.

from Gigaom https://gigaom.com/2018/05/24/are-there-infinite-jobs/

#Gigaom

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mud76 · 7 years ago

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An Overview of Personal and Business Loan Categories and Their Uses

The number of loan products have significantly grown over the last 20 years as a demanding public and economic requirement in demand of specialty to solve circumstances. From loans, student loans, business loans and municipal loans. The entities which participate in the invention of the several financial products are actuaries, risk management professionals, "information and informatic engineers" and Wall Street among other people. It had been crucial to create, enhance or break for better or for loan providers and goods to keep money fluid at a marketplace that funds to deal with market demographics. Personal Loans Signature Loans - A signature loan is just as it seems. This amount of time is known as a "loan duration " and may be from six months to five decades. Signature loans usually need credit as well as the criteria for loan approval are dependent on the borrower's credit and and also to a lesser degree on assets. Not all signature loans have the same parameters for credentials. Some loans will require the borrower in spite of good credit to accounts to demonstrate the institution for underwriting purposes. The institution may or may not place a lien but nevertheless wishes to have documentation demonstrating that there are really fiscal or physical assets owned by the borrower. Signature loans normally come with lower interest rates than other types of consumer loans like money loans, credit card advances, title loans and some loans. More on these issues. Who are the creditors in touch loans? They vary for banks, savings and loan associations, finance companies and payday loan businesses. These loans are easily available to the general public and doesn't need a credit rating. To get the card than probably required a credit rating or at least the procedure for identification . Credit card loans advances come with interest rates that are higher and also other penalties for having access. Various entities allow access to this credit card cash advances from bank tellers, check cashing centers and automated teller machines (ATMs). The fees vary based on. To lower the fees for cash advances some use check cashing facilities to have the card billed and get money back in turn without needing to pay off the charges of ATM machines as cards are assessed a charge twice; original by the ATM company and also their lender. The rates of interest on credit card loans or improvements are generally higher than unsecured loans. There are a number of states which have laws that have interest rates on credit cards. The loan or advance on a credit card is not a "term loan" as with the majority of signature loans. It is more or less a line of credit that the borrower has access to when they need it so long as there are funds. Interest rates on unsecured loans are no longer tax. Most have come to use their own credit cards or between paychecks although they have been created for short term borrowing needs. Wedding Loans - a form of loan to carve out a niche for the lending business and fulfill the needs of the rising prices of weddings is your Student Loan. Due to the cost it sometimes needs an individual loan or just a business loan of the households involved to provide a correct wedding. Wedding loans may be secured (using resources for collateral) or unsecured (signature loans) to obtain funds for the growing requirement to pay for the escalating wedding costs and all the various services and goods that a thriving matrimonial service will require. The credit standards and the term may vary based on condition of the individuals and the amount. Payday or Cash Advance Loans is a growing market because it normally needs minimum of credit criteria utilized for loan approvals. An individual may have credit for a fast and instant loan. Having proof of income, evidence of a checking account and identity is. Now many have checking accounts without checks you can still get a payday advance by asking their bank to create a 1 time check to give to the loan agency. Payday loan companies and stores can get approval with no faxing of files as they utilize other means for proof of income. Though loans come with high rates of interest that they are the only source of emergency cash loans for those in need. To put it differently a fiscal lien is set against the advantage to secure a loan to buy or refinance the car, ship et al.. These consumer loans might sometimes need a down payment of five to secure usage and pleasure of possession. Since these aren't funds which are currently available as with charge cards they include a "loan duration" from a couple of years depending upon the choices of the consumer, the marketplace and the credit status. The rates of interest can vary from quite low usually provided by producers of cars, motorcycles, RV's (recreational vehicles) and ships to very high if the borrower uses a credit card, a finance company or a "buy here - pay here" lender - or even the auto trader who finances the purchase of the automobile by giving the borrower a term of months and years to pay the remainder of their loan off. Manhattan Capital inc SBA (Small Business Administration) Loans are loans which are given to small businesses that are not able to get qualified for a loan by a financial institution for a variety of reasons from lack of business background, lack of security to "protected" the loan or not having a decent credit history. The SBA isn't a direct creditor but functions as an underwriter on behalf of the bank that funding the loan to the business entity. In the event the borrower defaults on the loan that the SBA will pay the bank a percentage of the remainder for taking the financial risk to loan the capital to your own business. There are numerous sorts of SBA loans that won't be dealt with in this report but a future article will describe in detail. Traditional Business Loans are loans that are either unsecured meaning no asset is utilized to accept the loan or secured and known as "asset based loans" where resources out of inventory, equipment, accounts receivable or real estate are used for underwriting to get loan approval. Conventional business loans are granted to business entities that have good banking relationships, established business credit history using transaction lines with businesses they conduct business with and good standing with credit reporting entities such as Dun & Bradstreet. There are short term loans with interest only payments using the remainder due at the close of the loan generally referred to as a "Balloon Loan". Additionally, there are longer term loans which are fully amortized (main and interest in every payment) paid over one to five decades or longer. Equipment Leasing is a financial instrument which is not a loan. Meaning predicated on tax ramifications and who possesses the equipment - renting is that - renting an asset. Leases are generally from a bank or businesses. The lease term may vary from one and there are tax benefits to the business entity in leasing gear. Equipment Sale Leaseback is a trade to use equipment that is already possessed by the business or municipal entity to secure funds for the present demand for operations. The term may vary from one to five decades and the number of funds may vary based on credit history and a percentage of the average market value of their gear. The business then in turn leases the equipment back. The company or the lessee normally has options on what they need to do with the equipment at the term's conclusion. They can roll up the lease trade into newer more updated equipment or software. They can buy the equipment for one dollar or ten percent of the reasonable market value of their equipment.More and more businesses are renting now rather than paying cash or with charge lines or loans. Merchant Cash Advance is utilized by businesses that can't qualify and need fast cash or don't want to experience the process of growing bank approval for funds that were required. A Merchant Cash Advance is likewise not a loan product but it is the selling of assets or charge card receipts at a discount. To put it differently that the Merchant Cash Advance firm purchases the credit card receipts and attaches a fee usually whenever the business "batches", settles or closes the day's or week's sales till the money advanced are paid off. There's absolutely absolutely no term with retailer cash advances as it isn't a loan so there is no payment amount or interval. The paying off of the funds vary according to debit card transactions of the day or week and a the credit. Factoring Accounts Receivable Invoices permits a business entity that normally has to wait 30 days or longer to be paid by other businesses or governmental issues. Again factoring isn't technically a loan but also a selling of invoices in a discount for cash. With a Factoring Company the company applies in a normal trade and the business looks mostly at the credit of another business or entity that the company is doing business with. Based on that as long as the client of the company is a business or government agency the invoices are purchased and funds are dispensed to the business generally they're currently transacting business with. In other words that the funds are dispersed after there's a credit score check and processing of the firm. The dollar amount that's advanced can differ from fifty % of the invoice into eighty or ninety percent depending on various factors like the size of this invoice to the credit criteria of another company or governmental entity whether it is a city, county, or state or national agency.

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strangephenomenonrevealed-blog · 7 years ago

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Beyond the numbers, experts also disagree on the professions that will become automated, as well as where in the world will bear the brunt of the job losses. Are teachers and writers safe or should they start thinking about a career change? What about lawyers and doctors? Will the U.S. be the nation to lose the highest percentage of jobs, as PricewaterCooper predicts? Or will Japan be hit the hardest, like McKinsey’s report concludes? In an attempt to get to the bottom of the automation mystery, Futurism asked several experts to tell us who they believe will be most likely to suffer as a result of automation. Here’s what they had to say. Edward D. Hess, professor of business administration and Batten Executive-in-Residence at the University of Virginia: Automation is going to dramatically impact service and professional workers. To find work, one must be good at doing what the technology won’t be able to do well. For the near term, those skills are: (1) higher order thinking (critical, innovative, imaginative) that is not linear; (2) the delivery of customized services that require high emotional intelligence to other humans; and (3) trade skills that call for real-time iterative problem diagnosis and solving and/or complex human dexterity. Jobs that have a high risk of being automated are jobs that involve repetitive tasks and linear tasks that are easy to code: “if this, then do this.” High-risk fields are retail, fast food, agriculture, customer service, accounting, marketing, management consulting, investment management, finance, higher education, insurance, and architecture. Specific jobs include security guards, long-haul truck drivers, manual laborers, construction workers, paralegals, CPAs, radiologists, and administrative workers. Technology is going to continue to advance, and in reality, all of us are going to have become life-long learners, constantly upgrading our skills. The most important skills to have will be knowing how to be highly efficient at iterative learning — “unlearning and relearning” — and develop high emotional and social intelligence. Jobs requiring high emotional engagement in the customization and delivery of services to other human beings will be the most safe. Those include psychological counselors, social workers, elementary school teachers, physical therapists, personal trainers, trial lawyers, and estate planners. Other jobs that will be in high demand are in computer and data science. What will become human beings’ unique skill? Emotional and social intelligence. Joel Mokyr, an economic historian at Northwestern University and author of A Culture of Growth: Origins of the Modern Economy: The short answer is people who have boring, routine, repetitive, and physically arduous jobs. The long answer is that labor-saving process innovation and “classical” productivity increase may make some workers redundant as they are replaced by robots and machines that can do their jobs better and cheaper. This could get a lot worse if AI will also replace workers who are trained and skilled in medium human-capital intensity jobs, such as drivers, legal assistants, bank tellers, etc. So far, the evidence for that is very weak, but it could change, depending on what happens to demand and output as prices fall and quality improves. What counts is demand elasticities with regards to price and with regards to product quality (including user-friendliness). However, product innovation (unlike process innovation) is likely to create new jobs that were never imagined. Who in 1914 would have suspected that their great-grandchildren would be video game designers or cybersecurity specialists or GPS programmers or veterinary psychiatrists? The dynamic is likely to be that machines pick up more and more routine jobs (including mental ones) that humans used to do. At the same time, new tasks and functions will be preserved and created that only humans can perform because they require instinct, intuition, human contact, tacit knowledge, fingerspitzengefühl, or some kind of je ne sais quoi that cannot be mechanized. Bob Doyle, director of communications for the Association for Advancing Automation: I would argue that the question should be phrased as the following: “Who is actually going to thrive because of automation?” And the answer is everyone who embraces automation. Automation is the competitive advantage used by companies around the world, and for good reason. Companies automate heavy-lifting, repetitive, low-value processes in order to achieve higher output and product quality so that they can be more competitive in global markets. That gives them the resources to innovate, to improve business processes, and to continue to meet consumer demands. That lets those companies continue to hire human workers for the jobs they’re best-suited for: insight-driven, decision-based, and creative processes. You can say that another word for “automation” is “progress.” The inability to compete is the real threat to jobs, not automation. Between 2010 and 2016, there were almost 137,000 robots deployed in manufacturing facilities in the U.S. During that time, manufacturing jobs increased by 894,000 (U.S. Bureau of Labor Statistics) and the unemployment rate declined by 5.1 percent. These companies (along with their employees) are competing and thriving today because of automation. We should remember that technological advances have always changed the nature of jobs. We believe this time is no different. We must be sure that we’re preparing the workforce to fill these jobs that are being created, especially in advanced manufacturing. The future of automation in bright!

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craigbrownphd-blog-blog · 6 years ago

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What will make "Data" work in 2019?

#ICYMI: Speed of Adoption will matter more than ever It’s been a while since businesses have been debating over investment into data and analytics. Some people have already done it and it is working out. We are over and above the apprehensions of whether Data investments work or not, now, the questions is how soon you can make it work. It has to be strategy first and a top down push on getting the data investments to execution and results. It is a herculean task but by now there are already best practices and open source tools to help adopt the data solutions. You cannot do it half-heartedly, you must determine before 2019 starts on how much are you going to be data-led and then be true to yourself as an organization. Machine Learning will still be a buzz, Platforms will rule the world Machine learning and Deep learning buzzwords are here and they will be here for a while. Automation is a no brainer, whether it is making processes efficient or models. Unsupervised learning has been proving its application in every single area of technology utilization for good. As the human interactions with technology becomes more and more multi-faceted leading to complexities in understanding the patterns in usage, it is imperative to expect more and more need for abstraction and automation of algorithms to decipher the insights. Scalability is another important aspect and platforms bring just that. We all will see a huge surge in rise of the platforms that solve specific marketing and customer problems with the use of algorithms, across industries Open data and connected data will be the key for data economy Data Co-ops and partnerships are a reality. No one owns the customer and only way to complete the puzzle is for the companies to come together and share the information. Data Privacy and security will be a constant challenge but that’s what make the technology interesting. I foresee the advent of many innovative companies to solve the challenges in secure and anonymized data sharing for good of all Data Acquisition will be a priority for businesses. The sample bias is still prevalent, and the meaning of analytics has gone beyond “Crunching your customers’ past behaviors”. The internal data is not enough and there is a happy realization by companies to focus on getting external data and more data about their existing and prospective customers. Companies will spend more in 2019, on acquiring data- from 2nd party to 3rd party to government data. People based marketing will replace data-based marketing The omni-channel complexity needs to solved and the time is now. Advertising spend spills, less precise targeting, probabilistic view on customers and inaccurate attributions will be more heavily challenges considering the rise of technology that can solve this problem by resolving customer identities and help identity real people and not just cookies. Buy Vs. make strategy will skew towards “ Buy and Make” Stratgey It is going to be a hybrid play for setting up analytics capabilities. Companies have long realized they can’t just build CoEs on their own, neither it is wise to just depend upon consulting firms to make the magic work for them. The future trend is going to be taking help from experts and build your own capabilities faster. Specialized strategic consulting companies can help teach how to build the capabilities and the platforms will help reduce the dependencies on creating data scientists vs grooming business guys to help drive data led transformations Digital transformation will get real, Marketing Automation will speed up With all the consolidation and investments in Martech/Adtech, it is well proven that Digital transformation is now more real than ever . We have come past the education mode and now it is execution mode. Companies really want to achieve marketing automation and many are half way through it. Data Scientists will transform their role into solution evangelists & Story tellers The constant challenge of data guys being too technical or objective has now been understood by traditional data scientists. With the help of great visualization tools and aid of data processing platforms, now is the time for data scientists to be more business savvy and tell their stories more effectively. The most promising data opportunity will be to educate people about data There is still a huge gap in terms of business guys or marketers being completely convinced to harness the power of data, to an extent of transforming culture. There will an uptick in the number of “educators” coming out to educate people through open platforms, Linkedin, Meetups, internal company platforms and paid events. You will have more data conferences, Seminars and gurus in 2019 and we need them. https://goo.gl/Vyyf58

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