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Environmental Doom and Economic Slowdown: A Self-Fulfilling Prophecy

Although Americans have often expressed strong support for environmental protection in recent decades, much of the cost of “green” regulations has remained hidden from public scrutiny. That may soon change, however. In September, the House Government Reform Subcommittee on Regulatory Affairs held a hearing about the impact of Environmental Protection Agency regulations on U.S. businesses—specifically on the manufacturing sector, which bears most of their direct costs. Some testimony given at the hearing was highly troubling.

One study mentioned was particularly eye opening. In an analysis submitted by the Small Business Administration’s Office of Advocacy, economist W. Mark Crain found that in 2004 compliance with EPA regulations on average cost small manufacturers (those with fewer than 20 employees) a whopping $15,747 per worker, compared to $3,391 per worker for large manufacturers (those with 500 or more employees)—a cost difference of 364 percent!

Furthermore, for small manufacturers—which make up about three-fourths of all manufacturing firms—environmental compliance costs drastically outweighed the cost of other types of regulations, such as tax compliance ($2,582 per worker), economic regulations ($2,577), and workplace regs ($1,014).

If the U.S. economy turns sour, the huge costs of green regulations may become a major public worry. But workers already have plenty of reason for concern because for much of the past 30 years, environmental regulations have slowed the growth of U.S. labor-productivity and workers’ weekly earnings. To see why, first let’s put some economic statistics in their historical context.

From 1973 to 1995, the United States performed more like a traditional economy than the dynamic and innovative leader it once had been. After 1973, real annual GDP growth slowed by 22 percent—decreasing from 3.6 percent per year to 2.8 percent—a seemingly dry statistic when detached from the economic reality of millions of Americans struggling to eke out a living. (That economic slowdown would have been much worse had women not entered the labor force in large numbers.)

According to the 2005 Economic Report of the President, the decline occurred because labor-productivity growth slowed by about 40 percent from the two decades prior to 1973 to the years 1973 to 1995—a reduction in the annual growth rate from 2.5 percent to 1.5 percent. Consequently, real weekly earnings—what workers took home in inflation-adjusted dollars—actually decreased during much of the latter period.

The oil-supply shocks, stagflation and price controls of the 1970s have often been blamed for inaugurating the economic slowdown. But environmental regulations—particularly air and water pollution compliance—have taken no less a heavy toll.

It’s not hard to understand how this happened. The early 1970s witnessed an environmental awakening—some of it visionary, but much of it myopic. Along with Earth Day and popular campaigns to promote conservation came bestsellers such as The Limits to Growth, whose computer printouts gave a scientific veneer to the text’s prophesies of economic doom and massive loss of human life from overpopulation and environmental degradation. The era’s dystopian science-fiction movies helped bring such neo-Mathusian worries to a wider audience.

The Environmental Protection Agency, which was created in 1970, was not immune to the influence of the environmental doomsayers. Congress gave the agency broad discretionary powers but said little about how it should establish environmental priorities.

Unfortunately, the political will to over-regulate—and an unwillingness to restrain the EPA legislatively—may have been the single most important cause of this more than two-decade slowdown in productivity growth.

In a study published in the 1995 Yale Journal on Regulation, economist James C. Robinson, currently with U. C. Berkeley’s School of Public Health, found that environmental regulations accounted for much of the slowdown in U. S. manufacturing productivity growth between 1974 and 1986. Manufacturers’ direct costs of complying with environmental regulations had increased to just over one percent of the value of manufactured goods, but multifactor productivity—the efficiency of labor, machinery, and other inputs working together—had fallen about 11.4 percent short of where it would have been without the EPA’s heavy hand.

Productivity growth accelerated in the late 1990s due to just six economic sectors less affected by environmental regulation—computer manufacturing, semiconductors, telecommunications, retail, wholesale, and securities. The other 53 sectors, taken as a group, had almost no productivity growth from 1995 to 2000. After 2001, the U.S. economy finally experienced a broad-based resurgence of productivity growth, perhaps because the Bush administration made good on its pledge to ease restrictions that impede manufacturing growth.

In response to recent pressure to reduce environmental compliance costs, the EPA has selected 42 regulatory reforms to implement—from a list of more than 700 suggested by the public, an agency official testified at the hearings. Lawmakers should require the EPA to explain, case by case, why it rejected the vast majority of reforms suggested by the public. Making the agency more transparent would help make it more accountable and facilitate needed reform. Also, state lawmakers should make state-level environmental agencies more transparent.

Most importantly, Congress should reduce the EPA’s discretionary authority. It empowered the agency at a time when predictions of imminent economic meltdown from resource depletion and deadly pollution faced little skepticism. Those predictions haven’t panned out except in one respect: They fertilized a federal bureaucracy that has imposed huge costs on businesses—costs that have disproportionately dampened the growth of productivity and workers’ earnings. The time has come for policymakers and the public to re-think their commitment to the EPA’s costly environmental bureaucracy.

This article draws from Craig Marxsen’s chapter, “Prophecy de Novo: The Nearly Self-Fulfilling Doomsday Forecast,” in Re-Thinking Green: Alternatives to Environmental Bureaucracy, ed. by Robert Higgs and Carl P. Close (The Independent Institute, 2005).

Carl P. Close is a Research Fellow and Senior Editor at the Independent Institute, Assistant Editor of The Independent Review, editor of The Lighthouse, Independent’s weekly e-mail newsletter. Mr. Close is also co-editor or the books Re-Thinking Green: Alternatives to Environmental Bureaucracy and The Challenge of Liberty: Classical Liberalism Today.

Craig Marxsen is an associate professor of economics at the University of Nebraska, Kearney, and an Adjunct Fellow at the Independent Institute.

  From Carl P. Close
RE-THINKING GREEN: Alternatives to Environmental Bureaucracy
Re-Thinking Green exposes the myths that have contributed to failed environmental policies and proposes bold alternatives that recognize the power of incentives and the limitations of political and regulatory processes. It addresses some of the most hotly debated environmental issues and shows how entrepreneurship and property rights can be utilized to promote environmental quality and economic growth.


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Hagadone Is Armed And Dangerous

Hagadone Is Armed And Dangerous
October 5, 2009
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The Indians season mercifully came to an end yesterday. With that, they can finally close the book on what was a very tough 2009 not only at the ticket office and in the standings, but also from a roster standpoint where they had to make several unpopular player personnel decisions.

One of those decisions was to trade the organization

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Westside gets into gourmet retailing

    Westside gets into gourmet retailing

    Tata’s department store chain is venturing into a new territory. The 13-year old chain, known for its private labels in fashion, has added a gourmet and chocolate section in its flagship store in Mumbai.

    Though hypermarkets run by Tata’s and Birla Retail’s ‘more’ have gourmet sections, department store chains have largely kept out of gourmet retailing due to challenges such as supply chain and logistics and handling of perishable items in the segment. Godrej’s is the major player in gourmet retail.

    For instance, after experimenting with food business, Raheja-owned Shopper’s Stop announced that its Café Brio outlets would be replaced with . Its another brand, Fresh Basket became a private label of its subsidiary firm .

    “It is not easy to run gourmet stores. Managing products such as fruits and vegetables, fish and meat takes a lot of energy and investment,” says a chief executive of the Mumbai-based retail chain.

    But Westside is confident. “It’s a big step forward for us. Though food is a lower margin and therefore tough business, we want consumers to enjoy an experience and want more consumers to come to our stores,” says Gaurav Mahajan, chief operating officer, Westside.

    , chairman of retail consultancy , says it is an encouraging sign that Westside is reinventing itself, though they could have done it earlier.

    After the pilot in Mumbai, Westside plans to take Gourmet West and CocoaWest to other stores in the country. Gourmet West stocks Chef Moshes’s signature breads, dips and sauces and imported sauces, confectionary among others. It also allows consumers to make their own cereal mix.

    Trent, the listed retail arm of Tatas, runs 53 Westside stores in the country and wants to hit 100 store mark in four years.

    “It is a good experiment. Though they are a conventional department format, they are evolving with gourmet and fine dining,” says , chief executive of which runs stores under ‘more’ brand.

    Though some analysts say Westside lacked product innovations like other chains in department store segment, Mahajan does not agree.

    “We are the leading brand and we believe in staying ahead of customer expectations,” he says. Westside’s action in the last couple of years reflects that.

    Apart from tying up with renowned designers such as Narendra Kumar, Priyadarshini Rao, Krishna Mehta for designer pret, Westside has also tied up with exclusively with international brands such as Italian kids wear brand Chicco, Bath and Body, GIVe from UK and Aerology-a brand from US.

    However, Mahajan does not agree that Westside is not shifting from its private label-led model. Nearly, 90 per cent of its merchandise comes from its own brands such as menswear brand Ascot, young fashion brand Nuon, sportswear Westsport, plus size brand Gia among others.

    Gross margins in the private labels in apparel are over 40 per cent and have played a significant role in retaining profitability of the chain over the years when many other retail chains are struggling.

    “The private label-led model has worked for us for years. We will continue with that. But we are also bringing external brands on exclusive basis,” Mahajan says.

    Apart from adding gourmet and bringing more brands, Westside has also roped in international design firm Fitch to design its new stores and redesign some of the existing stores.

    Mahajan also does not rule out tying up with ’s electronic and durable chain Croma or Tata International, which runs the Tashi brand of footwear stores in its stores as shop-in-shop. It has already tied up with Titan to have World of Titan stores in its Kalaghoda store.

    Source : Business Standard


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No Expense Spared at Celebrity Bachelor Parties

Expensive Celebrity Bachelor Parties

1 / 6
Bachelor party
  • Bachelor party
  • Eva Longoria
  • Brad Pitt
  • David Furnish
  • Kim Kardashian
  • Katy Perry
Image 1 / 6

There’s hardly anything ordinary, dare we say normal, about those who live in the limelight. Any surprise then that when a celebrity is given a send-off into marital bliss, it pretty much amounts to almost half the cost of the actual wedding?

But hey, if you’ve got the bucks and want a bachelor/bachelorette party you will never forget, why not take cue from these celebrities who really went all out toasting to their last day of singledom


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Build infinite skills
with project-based training videos

Web Design And Development Sample Videos

Infinite Skills Web Design And Development Tutorials - Taught By Expert Trainers

Looking to expand your Web Design And Development Skills? We have an ever increasing range of video based training that uses comprehensive and practical lessons to teach. The self-paced Infinite Skills method of learning is suitable for users of all levels, and training courses are taught by expert tutors who have a passion for teaching.

The selection of sample videos below are to help you evaluate our training. Please note the size and quality of these free videos have been reduced for online viewing.

Adobe Flash CS5.5 Training Video

Video Title: Working With Color

Duration: 00:05:32

Video Title: Using Predefined Shape Tools

Duration: 00:07:35

Video Title: Working With Gradients

Duration: 00:08:30

Video Title: Working With Graphic Symbols

Duration: 00:06:35

Video Title: Working With Fonts, Colors & Size

Duration: 00:08:11

Video Title: Building A Frame-By-Frame Animation

Duration: 00:05:44

Video Title: Morphing Object With Shape Tweening

Duration: 00:03:14

Video Title: Animating A Flash Mask

Duration: 00:04:11

Video Title: Flash TV - Part 3

Duration: 00:06:42

Video Title: Working With Effects And Motion - Part 2

Duration: 00:11:45

Video Title: Using Flash To Access Web Sites

Duration: 00:12:26

Video Title: Using Flash To Load External Images

Duration: 00:08:22

Video Title: Using Macintosh And Windows Projectors

Duration: 00:02:02
Adobe Dreamweaver CS5.5 Training Video

Video Title: Defining The Test Site

Duration: 00:07:40

Video Title: Applying Paragraph And Character Styles

Duration: 00:09:26

Video Title: Ordered Unordered & Definition Lists

Duration: 00:09:53

Video Title: Adding Images To A New Web Page

Duration: 00:07:23

Video Title: Controlling Images With The Properties Panel

Duration: 00:05:54

Video Title: Creating A Link With A Graphic

Duration: 00:03:34

Video Title: Linking Web Sites

Duration: 00:01:53

Video Title: Redefining HTML Tags

Duration: 00:06:03

Video Title: Creating A Web Page With Divs

Duration: 00:13:57

Video Title: Working In Code View

Duration: 00:05:58

Video Title: Adding & Formatting Text Fields

Duration: 00:06:44


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(Video) Dude Shoots Man At Point-Blank Range To Rob Him Of His Jordans!

It’s just a pair of sneakers!!! I don’t get it, you wanna kill someone over that?

(Video) LOL!: The Truth About How People Who Work At Sneaker Stores Really Feel About Jordans

Jordans are a very popular sneaker and every time there is a new release potential buyers go crazy just to get their hands on the shoe. There have been reports in the past of people even dying when it comes to getting the shoe. I personally don’t quite understand the sneaker head hype about getting every single pair of Jordans ever made in multiple different colors over and over again but that’s just me. One guy who works at a sneaker store speaks out about how he truly feels about the sneaker and it’s pretty funny.

(Photos) NFL: Browns Andrew Hawkins Wants To Sells Off His Collection Of Yeezys, But Don’t Touch His Jordans

Andrew Hawkins is about to make some quick cash even though he doesn’t need it. The Browns receiver is putting his collection of Yeezys for sale, which in total is 11 pairs. He claims the value of the pairs is about $60,000 but in reality, sneakers are worth whatever someone is willing to pay for them. One of the Yeezys is a custom job which I’m sure effects the value in his eyes. Funny thing is he refuses to sell any of his Jordan’s because to him they are priceless. Check out the gallery to see what kicks he is putting out there and check his Instagram. Somewhere, Kanye is furious.

(Video) NBA: Kid At Michael Jordan’s Summer Camp Hits MJ With “What Are Those”??

Some punk kid just tried to clown the GOAT at his own summer camp but in typical MJ fashion, he had a response. The kid stood up and asked MJ “What Are Those”? and in case you have no idea what that means, its a saying that started on social media when you want to clown someone about the kicks they are wearing. Now we all know Jordan is the king of the sneaker world so the kid should have never tried.

(Photos) NFL: Cowboys WR Dez Bryant Gives The Entire Offensive Line A New Pair Of Jordans

The Dallas Cowboys have done surprisingly well this season and has one of the most successful records in the league thus far. In an effort to show his appreciation to his teammates, Bryant gifted them with with the brand new Jordan 14S. Hit the jump for details.

NBA: LOL, Rip Hamilton Has A Super FUN Way of Giving Away Jordans — Would You Take The Challenge?!

Lol, this is so great!  Rip Hamilton is part of Jordan brand and with that comes perks of getting kicks early and getting extra kicks that he may not need or want.  So he’s come up with a fun challenge on how to give them away. My old friend (we did radio together in DC) and Rip’s boy “Antonio the Cuban Cigar Smoker” took “The Shoe Box Deal” challenge.  It’s where a person can only take what they can carry … if anything drops … you lose everything.  I have a feeling there’s A LOT of fans that want to take the challenge. Check out how it went down yesterday…

(Video) NBA: So Dope! Michael Jordan’s Kids Create The Ultimate Gift For Him For Father’s Day!

So what do you get a father for Father’s Day that literally has everything he wants?!  That’s the dilemma Jeffrey, Marcus, and Jasmine had this year when trying to come up with the ultimate gift for their dad Michael Jordan. Check out what they did this year (and how hilarious is the “porn” music in the background?)…

NBA: Damnnn, Paul George’s Home Robbed While He Played in Game 5; Check Out What They Got Away With

This is terrible.  Not only did the Pacers take an L last night in the playoffs (game 5) against the Hawks, but Paul George’s home was robbed at the same time.  SMH. Hit the jump for details…

(PHOTOS) NBA: Michael Jordan Gives Macklemore A Gift, But Fans Don’t Like It

Over the weekend Michael Jordan was in town for the Jordan Classic and kicked it with Macklemore.  Well apparently MJ gifted Macklemore with one-of-a-kind gift for performing at the event — kicks — more specifically “Northwest King Salmon” Melo’s.  Well there was a lot mixed reactions about the sneakers, but most seemed to think that they’re ugly. Check it out & weigh in…

Sunday May 4th Funk Flex & DJ RellyRell Touchdown At Webster Bank Arena Bridgeport, CT For CT Sneaker Show

Sunday May 4th CT Sneaker Show is going down at Bridgport CT’s Webster Bank Arena. There will be a Raffle off for a pair of Yeezy 2 Red Octobers, OG Bunny 8’s, OG Shadow Grey 10’s & More along with Vendors Buying & Selling Exclusive Kicks. For Tickets Click Here.

Copyright © 2010-2014 FUNKMASTER FLEX, LTD. All rights reserved.


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The following is a list of places to have a look when you are in the hunt to get hold of good personal statement examples.

But first, realise what you are trying to achieve from the past examples...

By reading (a lot of) good personal statement samples along with their notes and comments on how it could have been made better and what was particularly good about the statement, you are able to gain a greater understanding on the ingredients that are involved in creating an excellent personal statement for yourself.

The Student Room

The student room is an online student forum, where they have set up a personal statement online directory that is categorized into subjects. So you can read good personal statements examples that are aimed at doing your subject, which have actually been submitted to universities in the past.

Note: Be sure not to be done for plagiarism, by copying phrases and such. If you like the concept that they a line is getting at, re-word it and modify it to fit in within your personal statement structure.

The directory can be found by accessing 'the student room', then following the tabs along the top of the homepage, then clicking 'Personal Statements', then look to the section of the'Personal Statement library', they organize it by letter, so if your writing an Economics personal statement, you can find samples and templates of Economics personal statements here.

Also be sure to look around the student room, they often have really good guides and threads on how to improve your personal statement for your specific subject. For example Economics has 'Any Questions on how to do a good Economics Personal Statement?' and Criminology threads have links to"How to do a Good Criminology Personal Statement'.

This is a website that offers general advice on applying to university etc. They do like 'the student room' also have a directory of personal statements, that are specialised to your subject of choice. So it is definitely worth checking them out.

However, you will also find by going on 'Applying to University', and then to 'Personal Statements', there is a section on 'top rated personal statements', so you can see what some of the best look like. You can tell how good they are, by the rating they receive. But be sure to check out some of the unrated ones also.

Search Engines

The Student Room and Studential are some of the more popular online directories for good templates for personal statements, but also be sure to check out other sites like them by searching through online search engines.

You can also make the search specific to your degree also, for example if I were to do a search of 'criminology personal statements examples' it then leads me to come across singular webpages, that contain a few examples, that aren't on the directories.

Then I searched for 'law ucas personal statement examples" through going through a few pages of google, I managed to stumble upon a few pdf documents that contain several law personal statements examples, along with a few tips on how to do a law personal statement.

The only real issue is that you are going to have to go looking.

Today there are books like  'Succeeding in Your Application to University - How to Prepare the Perfect UCAS personal statement' (which has ninety-eight Winning Personal Statement examples) and also '40 Successful Personal Statemnets: For UCAS Application'.

They are excellent resources to check out due to the quality annotations, tips and tricks on doing a personal statement and some cover the entire aspect of applying.

With these books it its worth reading not just around your own personal statement field (like most your competition will be) but also other subject-related personal statements, as you will pick up things that won't be mentioned.

Where as most your competition will have seen the same samples you have. For example if you just read Economics Personal statements, other economics applicants will have done the same thing you have gone n the student room and looked up the economics personal statement examples etc.

You will both gain equal aspects of information, where as if you were to read others also - you will gain an even greater understanding.

So the economics student could gain a bit of an advantage by  reading around Mathematics and Psychology personal statements etc. and look at the comments that go with them, which may come up with a point or trick that is missed with the common samples of Economics on online directories etc.

Note: obviously, don't be too radical if you are doing a Physics Personal statement, you aren't going to gain much from a History of Art personal statement.

Please be sure to comment below if you have found any useful websites that contain good personal statement examples and advice.


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History and GovernmentCongressional BiographiesTexas

Abraham KAZEN, Jr.

KAZEN, Abraham, Jr., a Representative from Texas; born in Laredo, Webb County, Tex., January 17, 1919; graduated from Laredo High School in 1937; attended the University of Texas 1937-1940, Cumberland University Law School in Lebanon, Tenn., in 1941; admitted to the bar in 1942 and commenced practice in Laredo, Tex.; commissioned an Air Force pilot upon his graduation from Lubbock Air Force Base, 1942; during the Second World War served in North Africa, Sicily, and Italy as a pilot in Troop Carrier Command; discharged with the rank of captain in 1953; served in the Texas house of representatives, 1947-1952; elected to the Texas senate in 1952 and served continuously for fourteen years through 1966; elected president pro tempore of State senate in 1959; served as Acting Governor of Texas, August 4, 1959; member of Texas Legislative Council for sixteen years; delegate, Democratic National Conventions, 1960 and 1964; elected as a Democrat to the Ninetieth and to the eight succeeding Congresses (January 3, 1967-January 3, 1985); unsuccessful candidate for renomination to the Ninety-ninth Congress; was a resident of Laredo, Tex., until his death in Austin, Tex., on November 29, 1987; interment in Catholic Cemetery, Laredo, Tex.

Source: Biographical Directory of the United States Congress, 1771-Present


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Max Schreck

Born: 4 September 1879
Died: 20 February 1936
Birthplace: Berlin, Germany
Best known as: Star of F. W. Murnau's Nosferatu

Max Schreck is famous for his portrayal of Count Graf Orlock in the 1922 vampire film Nosferatu: Eine Symphonie des Grauens (Nosferatu: A Symphony of Horror). Schreck (his name in German means "terror" or "fright") was a German actor on stage and in the movies throughout the '20s and '30s, but his fame rests solely on his super-creepy turn as Nosferatu. The film, directed by F. W. Murnau, was based on Bram Stoker's novel Dracula, but the filmmakers failed to get permission from Stoker's widow, a problem that kept the movie from audiences for decades. Now considered a classic of horror, it was re-released in 1972 and has been restored many times. The movie Shadow of a Vampire (2000) took advantage of Schreck's mysterious past to portray him as a real vampire (played by Willem Dafoe).

Copyright © 1998-2017 by Who2?, LLC. All rights reserved.


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Fragment 4

'Twas at the season when the Earth upsprings
From slumber, as a sphered angel's child,
Shadowing its eyes with green and golden wings,
Stands up before its mother bright and mild,
Of whose soft voice the air expectant seems—
So stood before the sun, which shone and smiled
To see it rise thus joyous from its dreams,
The fresh and radiant Earth. The hoary grove
Waxed green—and flowers burst forth like starry beams;—
The grass in the warm sun did start and move,
And sea-buds burst under the waves serene:—[1]
How many a one, though none be near to love,
Loves then the shade of his own soul, half seen
In any mirror—or the spring's young minions,
The winged leaves amid the copses green;—
How many a spirit then puts on the pinions
Of fancy, and outstrips the lagging blast,[2]
And his own steps—and over wide dominions
Sweeps in his dream-drawn chariot, far and fast,
More fleet than storms—the wide world shrinks below,[3]
When winter and despondency are past.

"under" [edition 1824, Bodleian manuscript]; "beneath" [edition 1839].

"outstrips" [editions 1824, 1839]; "outrides" [Bodleian manuscript].

"Exulting, while the wide" [Bodleian manuscript].


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The integration challenges of cloud computing

Although integration is the ugly side of cloud computing, integration issues can be easily addressed with some planning and good technology

A core issue that arises as we toss our data out to the clouds is the fact that at some point we need to sync that data with our existing "traditional" on-premise systems. This fact is often lost on those deploying cloud computing tools until they attempt to drive business processes between cloud computing and on-premise resources. Then, the lack of integration becomes a huge problem.

I believe that integration is so important that I wrote a book about it way back in the Stone Age. While the focus then was on the enterprises and intra-enterprise integration, we're now seeing integration in a new cloudy light, with new players and new approaches, but with many of the same old problems.

[ Stay up on the cloud with InfoWorld's Cloud Computing Report newsletter. | Confused by the cloud hype? Read InfoWorld's "What cloud computing really means" and watch our cloud computing InfoClipz. ]

You have to consider the fundamentals of integration first, including the ability to connect with both source and target systems, such as and SAP, or Amazon EC2 and Oracle, and then how to extract data from the source system, mediate the semantics and technical differences, and publish the data to the target.

Of course, although cloud-to-enterprise integration is the typical pattern, we're now seeing cloud-to-cloud integration as well, plus very complex integration paths that can span dozens of on-premise and/or cloud computing-based systems. These patterns of integration are going to become more complex as cloud computing becomes more pervasive.

There are a few ways to address this integration need, including software-based on-premise integration tools, on-premise appliance-based integration tools, and the cloud-delivered integration tools.

Software-based on-premise integration tools. This set includes the technology I created in the late 1990s and early 2000s and is about traditional integration server software running on an on-premise server to drive integration among any number of systems, whether cloud computing or on-premise. While typically higher in price, they are more advanced and richer in features, considering the amount of time they have been around and the number of iterations the integration software has gone through. Providers here include IBM, Software AG, Oracle, and Informatica.

On premise appliance-based integration tools. These provide integration in a box, in essence a preconfigured and optimized integration server that's configured for a specific purpose, typically some cloud talking to some enterprise. Cast Iron Systems is a provider here (it recently added Amazon EC2 integration after supporting for years).

Cloud-delivered integration tools. These provide integration technology as a service. This is something I've been involved in with a few past startups; today, the likes of Boomi provide this type of service and Informatica on Demand, focusing on cloud-computing-to-enterprise integration. However, this model works best for cloud-to-cloud, for obvious reasons.

Which integration approach is right for you? Generally speaking, I recommend you take the time to understand the integration needs before migrating to clouds and create a plan for how integration will be addressed and the right technology for the job. Issues to consider include:

  • Firewall mediation: How you're going to externalize and consume data that may not be port-80-compliant.
  • Performance required: How fast you need to move data and how quickly the data transformation (supporting semantic mediation) and routing mechanisms need to function. There is a huge difference between 10 messages a second and a 100 -- trust me.
  • Maintenance and upgrades: How you're going to support new cloud computing or enterprise systems interfaces as they evolve.
  • Governance: How you're monitoring all points of integration and logging the data on the move.
  • Security: How you're encrypting and otherwise protecting sensitive information, stored or on the move, cloud or on-premise.

With a bit of planning and some good technology, integration issues are quickly addressed, and your path to cloud computing becomes that much clearer.


text:
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Tailored DNA shifts electrons into the 'fast lane'

DNA nanowire improved by altering sequences

DNA molecules don't just code our genetic instructions. They can also conduct electricity and self-assemble into well-defined shapes, making them potential candidates for building low-cost nanoelectronic devices.

Each ribboning strand of DNA in our bodies is built from stacks of four molecular bases, shown here as blocks of yellow, green, blue and orange, whose sequence encodes detailed operating instructions for the cell. New research shows that tinkering with the order of these bases can also be used to tune the electrical conductivity of nanowires made from DNA.

Credit: Maggie Bartlett, NHGRI

A team of researchers from Duke University and Arizona State University has shown how specific DNA sequences can turn these spiral-shaped molecules into electron "highways," allowing electricity to more easily flow through the strand.

The results may provide a framework for engineering more stable, efficient and tunable DNA nanoscale devices, and for understanding how DNA conductivity might be used to identify gene damage. The study appears online June 20 in Nature Chemistry.

Scientists have long disagreed over exactly how electrons travel along strands of DNA, says David N. Beratan, professor of chemistry at Duke University and leader of the Duke team. Over longer distances, they believe electrons travel along DNA strands like particles, "hopping" from one molecular base or "unit" to the next. Over shorter distances, the electrons use their wave character, being shared or "smeared out" over multiple bases at once.

But recent experiments lead by Nongjian Tao, professor of electrical engineering at Arizona State University and co-author on the study, provided hints that this wave-like behavior could be extended to longer distances.

This result was intriguing, says Duke graduate student and study lead author Chaoren Liu, because electrons that travel in waves are essentially entering the "fast lane," moving with more efficiency than those that hop.

"In our studies, we first wanted to confirm that this wave-like behavior actually existed over these lengths," Liu said. "And second, we wanted to understand the mechanism so that we could make this wave-like behavior stronger or extend it to even longer distances."

DNA strands are built like chains, with each link comprising one of four molecular bases whose sequence codes the genetic instructions for our cells. Using computer simulations, Beratan's team found that manipulating these same sequences could tune the degree of electron sharing between bases, leading to wave-like behavior over longer or shorter distances. In particular, they found that alternating blocks of five guanine (G) bases on opposite DNA strands created the best construct for long-range wave-like electronic motions.

The team theorizes that creating these blocks of G bases causes them to all "lock" together so the wave-like behavior of the electrons is less likely to be disrupted by random wiggling in the DNA strand.

"We can think of the bases being effectively linked together so they all move as one," Liu said. "This helps the electron be shared within the blocks."

The Tao group confirmed these theoretical predictions using break junction experiments, tethering short DNA strands built from alternating blocks of three to eight guanine bases between two gold electrodes and measuring the amount of electrical charge flowing through the molecules.

The results shed light on a long-standing controversy over the exact nature of the electron transport in DNA, Beratan says. They might also provide insight into the design of tunable DNA nanoelectronics, and into the role of DNA electron transport in biological systems.

"This theoretical framework shows us that the exact sequence of the DNA helps dictate whether electrons might travel like particles, and when they might travel like waves," Beratan said. "You could say we are engineering the wave-like personality of the electron."

Other authors include Yuqi Zhang and Peng Zhang of Duke University and Limin Xiang and Yueqi Li of Arizona State University.

This research was supported by grants from the Office of Naval Research (N00014-11-1-0729) and the National Science Foundation (DMR-1413257).

CITATION: "Engineering nanometer-scale coherence in soft matter," Chaoren Liu, Yuqi Zhang, Peng Zhang, David N. Beratan, Limin Xiang, Yueqi Li, Nongjian Tao. Nature Chemistry, June 20, 2016. DOI: 10.1038/nchem.2545

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Hydraulic Repairer

Maintain and repair hydraulic systems of machinery and equipment.
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Quick Stats

Salary Range
$30,000 – $68,000

Data from U.S. Department of Labor

What do Hydraulic Repairers do?

Maintains and repairs hydraulic systems of machinery and equipment, such as robots, applying knowledge of hydraulics and mechanics and using handtools: Observes and listens to operating machinery to detect malfunctions. Visually inspects hydraulic lines and components to detect leaks, damage, and wear. Reads pressure gauges to detect abnormal oil pressure and smells to detect overheated oil. Depresses buttons and switches to turn off machinery. Turns valve to release pressure from hydraulic system and disconnects hydraulic supply and return lines, using handtools. Removes and replaces defective accumulator, using handtools. Connects charging assembly to accumulator and fills accumulator bladder with nitrogen gas to recharge accumulator, following manufacturer’s specifications. Replaces worn or damaged hydraulic components, such as oil lines, fittings, cylinders, servo-valves, pressure release valves, gaskets, and seals, using handtools. Disassembles hydraulic system and removes and replaces defective actuator, pump bearings, and pump motor, using handtools and hoist. Observes operation of machinery and equipment to verify repair. Performs routine maintenance, such as changing filters, following schedule, using handtools. May observe readout on display screen of robot controller to determine nature of system malfunction. May disassemble defective hydraulic components, such as pumps and accumulator, at workbench and rebuilds or repairs components. May install hydraulic oil lines on new machinery and equipment.

Should I be a Hydraulic Repairer?

You should have a certificate degree or higher and share these traits:
  • Ready for a Challenge: You jump into new projects with initiative and drive.
  • Reliable: You can always be counted on to do a good job.
  • Independent: You enjoy flying solo and doing things your own way.

  • How to become a Hydraulic Repairer

    Most Hydraulic Repairers have an Associate's degree or a Certificate. Chart?chd=s:19ckaa&chl=no+college+%2842%25%29|certificate+%2849%25%29|associate%27s+%282%25%29|bachelor%27s+%288%25%29||&cht=p3&chs=466x180&chxr=0,42,49
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Repair Armature-Winder Helper

Assist Repair Armature Winder in repairing electric motors and generators.
picture of Repair Armature-Winder Helper

Quick Stats

Salary Range
$17,000 – $40,000

Data from U.S. Department of Labor

What do Repair Armature-Winder Helpers do?

Assists ARMATURE WINDER, REPAIR in repairing electric motors and generators: Burns old insulation from coils, using blowtorch, and strips old coils from armatures and stators, using handsaw and wirecutter. Scrubs mechanical parts of motors, such as shafts, gears, and laminations, using cleaning fluid, wire brush, and scraper. Guides compressed air stream on parts to dry and remove loose dirt. Winds coils, using coil winding machine. Tapes coils by hand or using machine. Dips armatures and stators in enamel or varnish tank to insulate coils and paints motor and generator housings, using brush. Performs other duties as described under HELPER Master Title.

Should I be a Repair Armature-Winder Helper?

You should have a high school degree or higher and share these traits:
  • Levelheaded: You hold your emotions in check, even in tough situations.
  • Ready for a Challenge: You jump into new projects with initiative and drive.
  • Calm Under Pressure: You keep your cool when dealing with highly stressful situations.

  • Also known as: Armature-Winder Helper, Repair, Armature Winder Repair Helper, Repair Armature Winder Helper, Well Tender

    How to Become a
    Repair Armature-Winder Helper

    Most Repair Armature-Winder Helpers have no higher education and get on-the-job training. Think about earning a Certificate or Associate's degree to increase your competitiveness in the field. Chart?chd=s:9paaaa&chl=no+college+%2879%25%29|certificate+%2820%25%29|associate%27s+%281%25%29|||&cht=p3&chs=466x180&chxr=0,79,79
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Monthly Archives: June 2007

Reduced to Poetry • 25 June 2007

Been thinking my hermit-thoughts, of empty rooms and silence. But then they were reading Guantanamo detainees’ poetry on the radio, as I shuttled between the beautiful quarters where my days play out—the gorgeous little shala in Santa Monica and my Bel-Aire-adjacent campus idyll. Poetry about the insides of prison cells, the taunting of the sea, and us free rich […]

Saturday XVI • 23 June 2007

On the edge of a breakthrough here; and it’s a sensitive time. My spine’s been talking back to me all week—a long last protest before she submits to something like alignment after embracing chaos for 10 weeks. Just stand up from my deskchair, and the accordion plays. I love it. My vertebrae aren’t quick to […]

Five for the Archive, Part IV • 21 June 2007

Finally… 5. The future. What are your practice goals for the future? Of course I want the present conditions to last, but I know that someday relatively soon practice will be often alone. Maybe that will be two years from now, and maybe ten: at the moment there sits before me a hilarious range of possibilities […]

Five for the Archive, Part III • 19 June 2007

Number 4 of 5 in the series… 4. The history. Describe the development of your practice and history with teachers since then. It got so my Sunday class was Led First Series Astanga. I took it for months but never learned the series. That would have required thinking, and I didn’t want to clutter up my […]

Five for the Archive, Part II • 18 June 2007

Following up on last Thursday’s #1 and #2, here is #3 of 5. 3. The addiction. How/why did you get hooked? Just as the class up at SunsetCanyon concluded, I settled oh-so-compliantly with the insurance company of the driver who had nearly killed me. Receiving a large check changed several things for me, given my history: peasant-class […]

Saturday XV • 16 June 2007

Time’s out of joint today. Sat vipassana at a new center, where they have begun a cycle of daylong retreats. Very normal Buddhists, these people: so normal, the director’s packing the exact same degree from the exact same department where I am currently doing my thing. It’s good to sit with people: when keeping your awareness […]

A2A YogaStory Meme • 14 June 2007

Coming to have a practice defied my previous experience of life as flowing forward from my will—a product of my own decisions. With that caveat, here’s a description of my YogaStory for Tim’s album. Just another data point in the revolutionary Astanga Yoga Research Experiment. 1. The start. What brought you to yoga? A Honda Civic. Which […]

Five for the Archive, Part I • 14 June 2007

Wherof we cannot speak, thereof we must… Ack!  No; no; noooooo. I’ve been making a case for yoga as a demystification project, yet here I am avoiding straightforward questions of how it rooted into me. Here I am falling back on the raised eyebrow and the shrug that are my writing at its most flirtatious and, as […]

Saturday XIV • 9 June 2007

Self-loathing is here. She’s so uncommon in these parts that I barely recognize her, but this being the dissertation year(s), I should expect that symptom to arise now and again. It’s just an emotional state, an emotional state, an emotional state: don’t reify it, girl. You don’t need that shit.   But GAWD. She—the symptom—showed up […]

Metaphysical Car Wreck, Part II • 7 June 2007

…As I was saying just before sleep the other night night: Lots of meditation teachers warn that it is easy to hide inside your mindfulness or contemplative practice; and the same is true for asana. Many of us feel this practice to be a refuge—a beautiful, true stroke of luck in our tragicomic lives. Even at […]


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Hedge Funds Are Buying These Steel Stocks

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The steel industry has seen an unprecedented rally this year with some stocks boasting gains of over 100% so far in 2016. While some of those gains can be attributed to the rally in commodities, a large part of it was a direct result of the U.S. Department of Commerce imposing a hefty duty on imports of cold-rolled steel from seven countries, on March 1. When the Department of Commerce made this move, it gave a glimmer of hope to investors that the U.S. steel industry might finally be out of the woods after seeing one of the worst downturns ever. While scanning the portfolios of over 800 hedge funds we track, we found that a number of them jumped on this opportunity and started buying steel stocks during the first quarter. However, they didn’t just buy stocks of companies based in the United States, but also of global majors with a large presence in the country. In this post, we will take a look at the top five steel stocks on which funds covered in our database collectively became bullish on heading into the second quarter.

Through extensive research, we determined that imitating some of the picks of hedge funds and other institutional investors can help generate market-beating returns over the long run. The key is to focus on the small-cap picks of these investors, since they are usually less followed by the broader market and are less price-efficient. Our backtests that covered the period between 1999 and 2012, showed that following the 15 most popular small-caps among hedge funds can help a retail investor beat the market by an average of 95 basis points per month (see more details here).

canada, oil, fuel, chemistry, cooling, tower, pollute, pipe, technical, steel, ontario, dioxin, diesel, power, pollution, night, stack, smokestack, refinery, steam, chemical, lake,

#5 Harsco Corporation (NYSE:HSC)

– Investors with long positions (as of March 31): 18

– Aggregate value of investors’ holdings (as of March 31): $53.21 million

Let’s begin with Harsco Corporation (NYSE:HSC), whose ownership among funds covered by us increased by three during the first quarter, but the aggregate value of their holdings in it declined by $11.4 million during the same period. Harsco Corporation (NYSE:HSC)’s stock saw a heavy decline at the end of February after the company reported weak numbers for its fiscal 2015 fourth quarter. While the stock has managed to recoup those losses in the past few months, it is still trading down by over 17% year-to-date. For its fiscal 2016 first quarter, the industrial services company reported EPS of $0.03 on revenue of $353 million, soundly beating analysts’ estimates of a loss of $0.05 per share on revenue of $347.50 million. Hedge funds that reduced their stakes in Harsco Corporation during the first quarter included billionaire Israel Englander‘s Millenium Management, which cut its holding in the company by 37% to 845,290 shares.

Follow Harsco Corp (NYSE:HSC)
Trade (NYSE:HSC) Now!

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These Five Income Stocks Will Gain From Sterling Weakness: GlaxoSmithKline plc (ADR) (GSK), AstraZeneca plc (ADR) (AZN)

Page 1 of 2

LONDON — So far this year, the pound has fallen more than 7% against the dollar, and it’s now trading at its lowest level since July 2010.

It looks likely to get worse before it gets better, with fears of a triple-dip recession, the loss of the AAA rating, fudged coalition politics, Mervyn King voting for more QE, and an even more inflation-tolerant Bank of England Governor waiting in the wings.

GlaxoSmithKline plc (ADR) (NYSE:GSK)Dividends
With 70% of FTSE 100 company earnings coming from overseas, a weak pound can be a boost for the index. It should also be good news for dividends.

Brokers Shore Capital estimate that dividend growth in the FTSE 350 could double if sterling continues to fall against the dollar. Some of the big beneficiaries are the miners, which I looked at last week. But they start from a low base yield.

So I’ve trawled the FTSE’s top 20 highest-yield stocks to screen for those with substantial overseas earnings, especially U.S.-based. With the euro looking at least as vulnerable as the pound, I’ve screened out companies with high European earnings.

These are the five high-income stocks, all with prospective yields of more than 4.5%, which should benefit most from sterling’s woes:

1. BAE Systems plc (LON:BA)
The U.S. is by far the most important market for BAE Systems , accounting for nearly half its revenues. The U.K. contributes a fifth, and my guess is that much of BAE’s other revenues are dollar denominated.

The imminent impact of sequestration is a threat to BAE’s U.S. sales, but, ultimately, I don’t believe the U.S. will allow its national defense to be compromised. So I see BAE as a good long-term buy, with a prospective yield of 5.8%.

2. GlaxoSmithKline plc (ADR) (NYSE:GSK)
GlaxoSmithKline plc (ADR) (NYSE:GSK)’s response to the patent cliff — moving into over-the-counter medicines and emerging markets — shows up in its revenue split. Just 6% of sales are in the U.K., with the U.S. contributing a third of the total.

Pharmaceutical shares demonstrated their defensive mettle in the 2007/2008 crash, losing just 15% as the FTSE halved. With a broad spread of revenues, a growing emerging markets franchise, and a yield of 5.3%, GSK is all things to all men. Why wouldn’t you own it?

3. AstraZeneca plc (ADR) (NYSE:AZN)
AstraZeneca plc (ADR) (NYSE:AZN) gets nearly 40% of its revenues from the Americas, with a quarter each from the U.K. and continental Europe. At 6%, it has one of the FTSE’s highest yields, with fears over the company’s patent cliff weighing on the shares. Already, it’s seeing declining revenues.

New CEO Pascal Soriot should update investors with his strategy this month. That seems aimed at repositioning Astra back to scientific innovation, with maybe some biotech acquisitions or joint ventures. It would be a markedly different strategy from rival GSK.

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This cake is not only delicious but it looks fantastic and it's really fun to make. You can involve the whole family when making this cake, and everyone is sure to join in when it comes to eating it! It is inspired by a natural beehive with lots of flowers and bees dotted around for decoration.

Step 1: You Will Need:

  • 400g/ 14 oz softened butter
  • 400g/ 14 oz sugar
  • 2 tablespoons honey
  • 2 lemons (zest only)
  • 7 eggs
  • 400g/ 14 oz self raising flour

  • 500g/ 18 oz softened butter
  • 700g/ 25 oz icing sugar
  • Lemon juice
  • 1 tablespoon honey
  • Yellow food colouring
  • Yellow, black, white and red icing pens
  • 25g flaked almonds
  • Box of fondant icing

  • 6" and 7" cake tin
  • 6" oven proof bowl
  • Green plate/icing to cover plate (optional)

i love this. Thank you

Rima

I'm glad you enjoyed this instructable! Thanks for the comment!

Gah, this is so cute! I love the little bees "flying" around the cake!

Thanks! They're really fun to make, have a go!

About This Instructable

More by woodandmetal:Beehive Cake Apple and Honey Smoothie Grow a Pineapple Plant
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I was planning a trip to Paris so I HAD to have a wide angle lens for the awesome buildings over there. It needed to look cool as well (you know, Paris...). This Instructable will show you how to do both. Be sure to check out some pictures at the end of this slideshow.

Much of the credits of this I'ble goes to Patholio. I have just made a different lens support (closer to the body of the camera) and added a personal touch.

The front assembly of an ordinary 50 mm lens is used to hold the "fisheye" element of a 28-80 mm lens. Further, a piece of PVC rain gutter was cut and shaped to support the lens and to connect it to the body of the camera.
Finally, cosmetics came with a can of Coke (however Red Bull, Smirnoff and many other brands provide cool and colorful lens covers to customize your camera).

It's a perfect creation
Great! I definitively have to do this. How can I be sure that the lens I buy will fit into a coke can though? Also, you said you live in a "metric country", so what size is the can? I know that European coke cans are smaller than the ones in the US.
You will never know in advance since the element you will be using varies from type to type. The element in a 35-70 mm lens differs from 28-80.
I have used a Coke can that had a diameter of approx. 5 cm.
Okay, thanks. I purchased an old lens from eBay, so I guess I can only hope that this works.
really amazing ;)
but what screw did you use??to attach the adapter with the lens?
Thanks!
It's a standard 1/4 inch screw. If you live in a "metric" country like me, they can be hard to get...

I have sent this to 4 people.......this is so getting used. Merci homme!
Thanks! Let me know if you have any questions, because looking at it now, I realise that it's a fairly short slideshow (nothing there about cutting the Coke can). BTW, there are lots of other cool cans out there to match your mood or camera: red bull, bacardi, pepsi, smirnoff just to nam a few. The cans have all the same sizes. Encourage your friends to post pictures, slideshows or Instructables when they're done.
It may not be the way we are "told to do it" BUT its straight forward, great photos, and if your even going to try this........ I bet you can cut a can! You get a thumbs up from me, Thanks again.
Brilliant! You have got to be kidding me! I'm like the biggest Coke Addict on the Planet! Coke as in Coca Cola anyways......That didn't sound right?

 I have a Rebel xti I wish I could do this but my lenses are to big. :(
 If you ever need any Cans I drink about a case a day....And a Kidney stone about twice a year....."Have A Coke and a Smile.....When the Morphine kicks in at the Emergency Room"

No, you got to be kidding me!
 I know a guy in Housten who recently bought a xti, I thought he was pulling my leg under a false name (I checked, unless he's pulling another one off). What are the chances do you think?
 Anyway, go easy on the Coke!
I am in Houston, and I do have a Canon Rebel xTi but Ive had it about 2 1/2 years now, maybe longer.....Small world!! My name is Lee by the way.

If you really drink a case of Coke a day, you should collect them and make a large Instructable of some kind, between two Kidney surgeries that is. No one else can!
 I don't know what yet, but I have a feeling it has a lot of potential. Why not look at the Coffee Cup Challenge and see if you get any ideas? The lamp looks cool! It only requires like 150 cans (is that one week?).
 If I get any ideas I would be happy to share them with you or collaborate on an Instructable (simply because I don't drink as much Coke).
I recycle them now....But I will start saving them if I can come up with a use for them. Right now the only benefit is the Coke Points....Ive already gotten a free subscription for life to Popular Mechanics and Science....Plus I got a Interview with Justin Beiber!!! LOL<<<<Joke

just to toss an idea in here.........or some food for thought...........
Make it official and post an I'ble! It's cool.
I have an idea or two if you're interested (and it might win you a prize too).
Sure.....I am working on a couple of solar panels right now, but I should be done within the next week.  You can send me an email or a pm or you can just post it  here. Im game for anything interesting!

I have sent a mail...
Brilliant! Did anyone on the street ask you about it?
No, but I got some strange looks...

About This Instructable

More by bertus52x11:Stone Ski Helmet The Selfie Ring a.k.a. the Phone Ring Washing Machine Door Salad Bowl.
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Nationwide Welcomes Penn. Regulators’ Approval of Harleysville Deal

April 18, 2012

Nationwide Mutual Insurance Co. welcomed Pennsylvania regulators’ approval this week of the insurer’s proposed merger with Harleysville Mutual Insurance Co.

Regulatory approval from Pennsylvania, where Harleysville is headquartered, was one of the requirements for completing the merger.

“Nationwide is pleased with the progress being made toward completing the proposed mergers,” Nationwide spokesman Joe Case told Insurance Journal.

“We anticipate closing sometime in the second quarter pending approval by other state regulators and Harleysville.”

Earlier this month, Columbus, Ohio-headquartered Nationwide also took another step toward completing the deal when Nationwide Mutual policyholders approved the deal on April 9. Approval for the mutual merger transaction was required from two-thirds of Nationwide Mutual’s policyholders who voted in person or by proxy at the special meeting.

Nationwide and Harleysville also need approval from a majority of Harleysville Mutual members as well as from regulators in Ohio, Michigan and New Jersey before the merger can be finalized. Harleysville, headquartered in Harleysville, Penn., is scheduled to hold a special meeting later this month for its policyholders to vote on the merger.

The two insurers first announced the merger in September 2011 and said the two companies are a perfect match for each other. The companies earlier told Insurance Journal that the merger of insurer Nationwide Mutual with regional carrier Harleysville Mutual is all about growth, not only for the companies but also for their independent agents.

In his announcement on April 16, Pennsylvania Insurance Commissioner Mike Consedine said the merger application has been approved and that this combined entity “will have a greater statewide presence and offer more product selection to consumers.”

“Harleysville and Nationwide have complementary product lines, and together the companies offer more choices to policyholders,” Consedine said. “I also applaud Nationwide’s decision and commitment to preserve the Harleysville culture and to keep jobs here in Pennsylvania.”

Under the terms of the order from the Pennsylvania Insurance Department, Harleysville Mutual policyholders will become policyholders and members of Nationwide Mutual. In turn, Nationwide is acquiring all of the publicly held shares of common stock of Harleysville Group. Public stockholders of Harleysville Group will receive $60 per share in cash.

The order also states that for a period of three years, Nationwide cannot close, re-domesticate or cease business activity from the corporate office in Harleysville or any other office located in Pennsylvania without the department’s approval. Harleysville will continue to write business under the Harleysville brand for at least two years.

Pennsylvania Insurance Department said it evaluated the proposal against a set of statutory standards, including whether the transaction is in the public interest, will lessen competition, or be hazardous to the insurance-buying public. Standards also focused on financial solvency; the competence, experience, and integrity of company management; the fairness and reasonableness of any changes in business operations, as well as compliance with state laws.

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  • April 18, 2012 at 1:51 pm
    Mikey says:
    With Allied in west/midwest and Harleysville in the east, this works out well.
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In 1999 the Group expanded its operation to include Australia, and Insurers Hotline Pty Ltd was established to handle policies for a variety of market segments. To date the group has experienced exceptional growth and is well positioned to continue its success in Australia.

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Financial Models for Start-ups

Financial Models for Start-ups

Financial Models for Start-ups

If there’s one area that most start-ups can benefit from its financial advice and building a workable financial model. While the initial model may not be the one that the organisation ends up going with, there is still value in putting some good, robust thinking into what you are doing before steaming ahead.

Indeed, Paul Bennetts, a venture capitalist at AirTree Ventures, a $60 million venture capital fund in Sydney, Australia suggests that getting to grips with a simple model can be very helpful in understanding the possibilities and probabilities at the very least, as well as ruling out what simply is not going to work at all. As he puts it:

“It is giving you (and your investors) a framework for understanding what has to be believed for your start-up to be a success.”

Bennetts says this based on tonnes of experience and with good reason. After all, if a financial model is improbable it is also likely to be quite risky. He argues that in fact there are not too many levers that can help with determining an organization’s future value, and in most cases there may only be as few as three to five. For example, it is argued that in online shopping models these levers could be level of organic traffic, repeat rates, conversion rates and contributable margins. It is possible to look at each of these in closer depth to understand their core mechanics. As explained, conversion rates are linked to a range of different other factors like design, usability, brand equity, convenience, success with advertising, satisfaction of customers and others.

It is argued that this “unbundling” activity helps a business to understand what is really possible, what is likely and what is downright crazy. Specifically, doing this helps to really understand the metrics of what actually has to be achieved to meet the targets. In an example provided, if an app targets 100,000 users in the year after launch it is possible to calculate the activities that have to go on over the course of each month to make that figure actually be achieved. If there were 1,000 test users before the app was launched, then the number of users will basically have to grow by 52 per cent each month for the next 12 and the organisation will have to achieve 520 users in the first month.

This is challenging since considering the industry standard of a conversion rate of just one percent, the organisation will have to get 52,000 unique visitors in the first month alone. Only then is it possible to see what else needs to happen to actually achieve that. For example, how will the unique visitors be acquired? What marketing steps will need to be carried out to really drive this? Does this mean it is actually possible? How many social media postings, video postings, blog posts or others will actually drive that volume of users to the app? How many people will it take to actually achieve this? This demonstrates the level of detail of thought that start-ups need to get into.

Using a spreadshit

It is argued that the best approach to take to plan all of this out is a spreadsheet. The spreadsheet should not be particularly complex and it should be possible to view it on one page. It should show what needs to happen in the next year to 18 months and how that is achievable and possible. Five years is way too long of a timeframe for new businesses, since it is hard to predict that far ahead given the tremendous degree of change that occurs all of the time. This is also considered to be a decent amount of time in terms of investment so that start-ups do not try to take on too much capital or spread themselves too thinly.

Simple models can be created for start-ups but this does require putting some thought into the specifics to understand what is really achievable. When businesses do this they are able to demonstrate to investors that they can really deliver on what they say they will. Would you rather invest in a company that had great looking figures but no explanation of their feasibility, or a company that had thought things through a bit more and have a clear plan and approach? Almost certainly the latter.


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Calm before the storm for Hungary's NGOs

Calm before the storm for Hungary's NGOs
By Dan Nolan in Budapest March 10, 2017

The government of Hungarian Prime Minister Viktor Orban began 2017 with a threat against foreign-funded NGOs. On January 10, a senior government official said a number of NGOs would be "swept out" of the country by a law due in the spring. However, on March 8 the bill was delayed.

Hungary’s NGOs have been kept in a state of uncertainty ever since the start of the year. Details of the bill, which will put further transparency demands on a handful of Hungary’s tens of thousands of NGOs, have remained elusive. So much so, that the Hungarian Civil Liberties Union TASZ last week asked the government to release the text of the draft bill and hold consultations.

However, the ruling Fidesz party has announced that the bill has been delayed, because it has not yet found the threshold required to impede "Soros' hired hands", while not inconveniencing "decent" NGOs. Again, that leaves the targets of the legislation largely in the dark.

Nevertheless, statements from numerous government figures have given the NGOs clues as to what requirements they should anticipate. That includes a wealth-declaration requirement for their leaders and extra registration requirements. NGOs who receive funding from the US-Hungarian financier Gyorgy Soros can expect to be in the very centre of the crosshairs.

"One of the main communication points of the government campaign is that these civil society organisations get money from Gyorgy Soros, who is a very divisive figure in Hungarian politics," Gyula Mucsi, project manager at anti-corruption NGO Transparency International, told bne IntelliNews.

Bence Tuzson, the communications state secretary of Fidesz, said on March 8 that the bill will be submitted within a fortnight and MPs will vote on it in the spring session. The delay, Tuzson said, was because the government wants to wait for the results of a "national consultation" to show voters that it is interested in their opinions. The cabinet office is finalising the text of the consultation, which will be sent to households the week after next, Tuzson added.

This week three NGO leaders questioned the logic of the government's campaign in a joint interview with Magyar Narancs, a liberal weekly that was closely connected to the early-1990s incarnation of Fidesz. Julia Ivan, interim director of Amnesty International Hungary, said "I don’t even understand the definition of foreign funds in an EU member state. Do EU-funded NGOs count as foreign or Hungarian funded? Hungary is part of the union, although it’s not a net contributor," Ivan pointed out.

"Under this definition," Stefania Kapronczay of TASZ noted, "Hungary is a foreign-funded country, because a lot of money comes into the budget from EU cohesion funds."

Marta Pardavi, co-chair of the Hungarian Helsinki Committee said "'foreign' is slowly becoming 'anti-Hungarian'. There is a kind of anti-Semitism in the government’s use of the term Sorosation," she added.

Budapest is not alone in demonising Soros: 600km to the south, the nationalist Macedonian VMRO-DPNME party has also made him its bogeyman. After it won the December 11 election, albeit without a majority, leader and former Prime Minister Nikola Gruevski said he will work for the "de-Sorosation of Macedonia".

Gruevski also accused Soros of financing opposition groups, including those that took part in the months-long "Colourful Revolution" mass protests of last summer. They followed a wiretapping leak that apparently exposed widespread corruption in the VMRO government. Several government-critical NGOs in Skopje, including the Open Society Foundations (OSF), have been subjected to daily inspections by the Macedonian tax authority.

Meanwhile, a civil organisation opposing OSF dubbed “Stop Operation Soros” has been established by three pro-VMRO journalists. “We urge all free thinking citizens, regardless of their ethnicity, religion, gender or political persuasion to join our fight against single-mindedness in the civil society designed and run by George Soros," the founders announced.

The co-founder of Stop Operation Soros, Cvetin Cilimanov, has openly accused OSF of coordinating its activities with the opposition Social Democratic Union of Macedonia (SDSM) and several diplomatic missions in Skopje, the (pre-Trump) US in particular. When approached by bne Intellinews, Cilimanov said: “I did a group-unblocking of everybody I had blocked months ago, but apparently in your case it was a mistake. Bug off.”

Back in Hungary, on March 8 Fidesz blamed the EU and "Soros organisations" for the international criticism of the recent bill that reduces the rights of asylum-seekers in Hungary.

"They want to punish Hungary" because "we do not want to let immigrants through here," Fidesz caucus spokesman Janos Halasz said. "Hungarian police and soldiers defending the border are assailed with lies and the Soros crew have written those lies," he added.

Mucsi says that the government’s rhetoric against the NGOs actually misrepresents the reality of the financing process. "What people don't realise is that when Soros gives money to these organisations they are basically public procurements—the NGOs create and pitch these projects. But the government says foreign investors are paying to smear politicians with unfounded accusations of corruption."

The government campaign is already having a tangible effect, he added. "Since it began, a lot of people seemed to be very critical of us, which was never the case before - just take a look at out Facebook page," Mucsi said. "It is not reasoned criticism. It is rather 'you should get out of this country'."

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June GDP surprisingly strong and shows how robust NZ economy is; strongest half-yearly expansion in five years

By Mike Jones

We were pleasantly surprised by yesterday’s June quarter GDP figures. The 0.6% GDP expansion was certainly well north of our expectations.

It confirmed that the NZ economy actually held up quite well through the the first half of the year. Indeed, the 1.6% half-yearly expansion was the strongest we’ve seen in five years.

Sure, some of the indicators for H2 have soured a little. But growth is expected to continue at modest rates (our year-end forecast is 2.8%y/y). This simply reinforces the notion the RBNZ does not need to cut rates anytime soon, unless the rest of the world really goes pear-shaped.

Local markets thought the same. In the immediate wake of the GDP report, the odds of a rate cut over the coming 12 months were trimmed to roughly 40%, launching the currency higher.

In fact, the NZD has been the strongest performing currency over the past 24 hours. After spiking to almost 0.8300 yesterday, the NZD/USD managed to hold on to most of these gains overnight, despite a resurfacing of global growth concerns (see Majors).

Notably, our risk appetite index (scale 0-100%) has cooled from 77.5% to 76.1% this week, as investors have reassessed the likely success of QE3 and the tone of global data has remained lacklustre. While this has eroded support for ‘risk-sensitive’ currencies like the NZD/USD, the kiwi continues to draw support from the fact the NZ economy remains in better shape than most.

This has been a key tenet of our constructive NZD view for some time, and was only reinforced for yesterday’s GDP figures. We believe positive relative growth and interest rate differentials will support the NZD through to mid 2013. Our end-2012 NZD/USD forecast is still 0.8200.

We also forecast NZD/AUD at 0.8200 by year-end. The cross has shown more convincing signs of trending higher of late, as NZ-AU interest rate differentials have become less negative.

Indeed, plugging current interest rate spreads into our short-term NZD/AUD valuation model yields a ‘fair-value’ range of 0.7950-0.8150. This tends to support our view the uptrend has got legs.

For today, NZ net migration and credit card spending figures shouldn’t trouble the NZD/USD in any way. We should see key resistance at 0.8300 tested at some stage today. Another failure to close above this level would be a sign the NZD/USD uptrend is running out of steam.

To subscribe to our free daily Currency Rate Sheet and News email, enter your email address here.

Global growth concerns returned to the fore overnight, tempering risk appetite and providing a boost to ‘safe-haven’ currencies like the USD and JPY. A near one cent slide in the EUR/USD led a pull-back across most of the major pairs.

Yesterday’s HSBC Flash Chinese PMI, at 47.8, revealed the 11th straight month of contraction in the Chinese manufacturing sector.

Given recent stimulus efforts from the government, investors had been hoping for something a little stronger.  Certainly, the risk is growing that Chinese growth undershoots the government’s 7.5%y/y 2012 target.

Investors’ disappointment saw the Shanghai Composite equity index shunted another 2.1% lower yesterday (to the lowest since Feb 2009), kick-starting a broad-based selloff in Asian stocks.

In tandem with equity market weakness, the ‘safe-haven’ USD began to find support at the expense of the EUR and AUD.

The news out of Europe wasn’t a whole lot better. The September European PMIs presented a mixed picture (France terrible, Germany encouraging), but the European composite index was indubitably weak (45.9 vs. 46.6 expected).

European and US equity markets gave up more of their post-QE3 gains as investors worried about the strength of global growth.

The VIX index (a proxy for risk aversion), meanwhile, climbed from 13.5% to almost 14.5%. Commodity prices too lost ground. Against a backdrop of broad USD strength and stuttering risk appetite, the EUR/USD slipped below 1.3000, and the AUD/USD fell below 1.0400 for the first time in a week and a half.

Looking ahead, there is little on the data calendar tonight. We doubt the weekend’s G20 meeting will produce anything particularly meaningful. So markets look set to end the week a little more downbeat than how they began.

With the risks to global growth again tipping to the downside, risk appetite may struggle to retain its post-QE3 buoyancy in the short-term. This should limit the AUD/USD and EUR/USD topside to 1.0600 and 1.3150 respectively.

Keep an eye on Spain though. If the rumours the sovereign is on the cusp of applying to the EFSF for a bailout prove close to the truth, we should see another pop higher in EUR.

Other News:

*US data remains encouraging. A solid reading on the Philadelphia Fed manufacturing index (-1.9 vs. -4.5 expected) partly allays global growth fears late in the session.

*US jobless claims hold at 382k, a little above expectations of 375k.

*UK retail sales fall 0.3%m/m in August (ex-auto), as expected.

Event Calendar:

21 September: NZ net migration; NZ credit card billings.

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- Publish the occasional article on the sites in cases where need dictates
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- Learn first-hand, and hands-on the overall daily operations and best practices of our rapidly-growing media network

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Ipad 3 too hot after 3d games.can it be returned?

Discussion in 'Indian iPad Forum' started by agnel, Feb 24, 2013.

  1. agnel

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    iPF Noob

    Sep 11, 2012
    Thanks Received:
    Hi all, now a days I am playing more 3d games like infinity blade, blood and glory etc... And the iPad is getting too hot. Even the screen is hot.and also battery drains so fast.... I think this is gradually increasing ...Can I get it replaced? FYI , I am in India- chennai to be precise. I want a refund or replacement so that I can go for iPad 4. Can this be possible in India ?

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