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Words of Unconventional Wisdom From Shopify Masters in 2018

best of shopify masters in 2018

Shopify Masters is a weekly podcast where the entrepreneurs and marketers behind successful Shopify stores share their experience with our community of merchants.

In each episode, guests discuss their top-performing marketing strategies, favorite Shopify apps, product tips, and the exact steps they took to grow their business. Many of these guests have grown 6- or 7-figure businesses and bring their own nuanced perspectives to the podcast.

As such, the show is a frequent source of unconventional wisdom: firsthand insight that sometimes flies in the face of generalized best practices.

So in case you missed any of it, we’ve curated our favorite nuggets of knowledge from Shopify Masters in 2018 that we think are worth another listen.

Don't miss an episode! Subscribe to Shopify Masters.

1. “Popular" tactics can distract you from your own context

Episode: The Most Important Factor When Choosing Your Marketing Channels

It’s easy to get distracted by what works for other brands: trending channels and the “next big thing” in an ever-changing world of business. But all ideas need to be rigorously filtered and prioritized based on your current context.

In an episode featuring Kettle & Fire, two Growth Marketers shared their thoughts on prioritization in marketing on the podcast.

“It’s the common mistake everyone makes. They read how we do it or hear it from podcasts or from reading content. That’s why you see people start doing Facebook Messenger bots even though they don’t have the same context. It really depends on your business.

“For example, for paid search, what’s the opportunity in search volume? What’s your average order value? What are the margins on your product? Depending on that, maybe paid search isn’t the best option and maybe you need to go for a channel with lower customer acquisition costs. For us, it worked. But I wouldn’t just blindly approach it the same way we did. You’ve got to apply the same systematic process to each channel to prioritize what to work on, and then test it from there.”

—Wilson Hung and Jack Meredith, Growth at Kettle & Fire

Listen to the full episode below!

2. Traditional media is more accessible than you think

Episode: Why This Startup Spent $50k Building an Email List (Spoiler: They Had a 5x Return)

The price of admission and the absence of precise tracking in offline marketing might deter you from experimenting with these channels. But according to Gaurav Agarwal from Molekule, there are plenty of lower-cost methods of testing out these tactics once you’re comfortable with your digital marketing efforts.

“I wouldn’t say it’s necessarily more expensive than online ads because the CPMs (cost per thousand impressions) on some of these offline channels can be lower, but it is definitely a higher commitment. And the way to do that, perhaps, is to buy remnant ads. Any sort of traditional media—TV, radio, print—they also offer remnant media purchases. Remnant meaning that it’s not primetime or it’s not something that’s been already paid for.

“We ran a lot of remnant media ads through print to first see if it’s going to work for us or not, and it worked. And, because it worked, we were able to then scale it because remnant media’s available at a steeply discounted price. Now, you don’t get to control which page of the newspaper your ad is going to come in, but you are still able to get a directional readout if this channel is going to do anything for you or not.”

“For example, direct mailers, shared mailers, those can be done in low-budget ways because your experiment’s gonna be small. The only problem is you may not get enough data to get an accurate readout, which I think is a challenge. So the way you look at that is: was the channel performing really, really well? If it did really, really well, then you would see that in the data.”

—Gaurav Agarwal, VP of Growth at Molekule

Listen to the full episode below!

3. Upselling in the wrong context can cost you the sale

Episode: When and Where Upselling Can Hurt Your Sales

Upselling is generally an effective way to increase your average order value—except when it doesn’t. LIV Watches came on the show to explain why they don’t upsell straps for their watches at checkout, even though, on paper, it seems like a no-brainer.

“I don’t want to say that upsells cheapen our product, but what I do think that it does is that it sets in a little bit of confusion. There’s a little bit of, ‘Oh, I have to make a choice now.’ I feel like if somebody needs a particular product—like protein powder or another supplement that, if they ran out of it, they would need to buy it—then I think upsells make sense.

“Nobody needs a watch. Well, a lot of our fans need our watches today, but for the most part, you don’t need the watch to survive. I think upsells, in our category at least, create this distraction and it’s like, ‘Oh, I’m not sure if I need that upsell. You know what? Let me save this page and I’ll come back.’ I don’t want that to be the barrier. I want to keep it as simple, as clean as possible. We sell a watch and we offer different straps. After you buy, we’ll do the upsells, but right now, check out and buy the watch.”

—Sholom Chazanow, Founder of LIV Watches

Listen to the full episode below!

4. What customers say they want isn’t always what they want

Episode: The Unintended Value Proposition that Sold OVer 35 Million PopSockets

You’d think that no one would know your customers better than themselves, but there can be a disconnect between what they say they want and what they actually think and feel. Eric Rosner used his class as a focus group to get product feedback on the wildly popular PopSocket, and experienced that disconnect firsthand.

“I gave PopSockets to all of my students. I had some friends give them to their class. After a few weeks, maybe I’d ask them, ‘Raise your hand if you’re still using it.’ Or, ‘Raise your hand if you’ve talked to anybody about it, or sent anybody to the website.’ Questions like that. But as far as questions about how they were using it every day, I found it more informative to watch them when they’re walking into the room. What are they doing with it when they’re walking out? Are they fidgeting with it during class?

“Sure, sometimes I’d ask them, “What’s your favorite feature?” But it’s more important to watch the people use your product if you can. If you don’t have that opportunity, just be clever in how you’re asking your questions. You know, ‘How much time do you spend fidgeting with it?’ ‘How much time do you spend doing this?’ Instead of, ‘What do you like the most?’ That might not yield an accurate answer. It might not be in line with what they’re actually doing with your product.”

—Eric Rosner, Founder of PopSockets

Listen to the full episode below!

5. Higher quality videos don't necessarily yield better results on social media

Episode: Why Low-Budget Videos Beat TV Quality Ads on Facebook

High-quality videos reflect positively on your brand, but it turns out they’re not always your best bet. When you’re marketing on Facebook, and looking for early results, content that appears more “organic” to the platform can actually be cheaper to promote and even outperform a video that is good enough for TV.

There’s a reason for that, says Chad Kauffman.

“If you think 20 years back, if you were going to watch a video most people would think of ‘video’ as anything that they see on TV. So there’s this TV quality expectation, right? Then all of a sudden we get into YouTube and Facebook and Instagram and Snapchat, and people start producing their own videos and putting them up. The level of quality acceptance went way, way down.

“It went from consumers probably expecting TV grade quality because that’s all they had—if they watched a screen it was pretty much TV—to now you can catch videos everywhere and most of them are all self-produced.

“Interestingly enough, I believe it’s something like 85% of Facebook users scroll through their news feed with no audio capabilities on. If you have a Facebook ad that has a voiceover that somebody has to hear, you will lose out because most people don’t have their sound on. It’s very important on Facebook ads that, if you have a voiceover that has to be heard, you have captions on so that people can read it. I do this often. I sit on my couch and I could have my audio on but I don’t and I’ll read captions on ads that I watch.”

—Chad Kauffman, Co-founder of Kitty Poo Club

Listen to the full episode below!

6. The perfect product-market fit doesn't exist

Episode: The Key to Product-Market Fit? Start with the Market First

Product-market fit isn’t a final destination so much as it is an ongoing effort based on feedback from your target market. You can always improve your product and the story you tell around it to achieve a better fit, according to Paperwallet.

“You mold your product to fit a market by listening to the market. Take your product to the customer, try to sell it to them. Understand what’s important to them, what’s not important to them. And mold your product around that. If there are features in your product that the customer doesn’t care about, get rid of them. There’s no reason for you to invest in them.

“There’s no reason to have perfect product-market fit at launch. Most products don’t. If you’re not sure if your product’s ready, Kickstarter is the best place to put it up and see how the market responds. If you only get a few backers and your project ends up failing, that’s fine. Take those few backers, and now those people passionately care about your product. Ask them questions, see what they say. Create surveys for them. Pick up the phone, call them. Have a conversation. You’ll learn a lot about what’s wrong with your product. Maybe there’s nothing wrong with your product, but you’re just not marketing it right. By doing that, you slowly mold your product to get better product-market fit.”

—Elad Burko, CEO of Paperwallet

Listen to the full episode below!

7. You can use multiple crowdfunding platforms for the same product

Episode: Crowdfunding on Multiple Platforms: Why You Don't Have to Choose Just One

Should you crowdfund your product idea on Kickstarter or Indiegogo? What about both? On this episode of Shopify Masters, Jay Neyer and Ross Oltorik of BodyBoss share how they chained together a crowdfunding campaign across different platforms to keep their momentum going.

“Our mentality and philosophy is 'What are the different ways we can make revenue, where can we push this out?' Kickstarter was more of a logical first step just because it’s the number one crowdfunding platform. But we actually used something after on Indiegogo called InDemand that’s made for ongoing sales. We didn’t have a campaign life like we did on Kickstarter, so that really made sense to carry forward after we finished our Kickstarter. We literally launched our Indiegogo campaign the very hour really that Kickstarter ended. We just kept that momentum going.”

—Jay Neyer and Ross Oltorik, Founders of BodyBoss

Listen to the full episode below!

8. It can pay to outsource your content

Episode: A Proven Process for Outsourcing Content as Part of Your SEO Strategy

Between the cost of hiring quality writers and putting your brand in someone else’s hands, it’s no wonder why many entrepreneurs opt out of content marketing or choose to write their own content. But according to Sebastian Bryers of Ora Organic, outsourcing your content creation can not only help you source the right credibility and expertise, it can provide the backbone of a profitable SEO strategy too.

“Generally it is a bit more expensive, for sure. But I mean, it’s still not, I don’t think it’s unreasonable considering how much traffic you can drive. And then you think about once you have driven that traffic to your site, you think about the number of touchpoints you create with that person once they read that content and the opportunities once they’re in the funnel to go and re-sell and up-sell and re-market and do all that, it just ends up being worth it. You only need two or three people to purchase and then the lifetime value of that customer far exceeds what you paid for the article.

“It can vary all the way up to 250 dollars. We’ve definitely paid for some more expensive ones, too, when it’s been particularly important to have an extremely qualified person. I think if you can hit between 50 and 100, you’re in a good place.

“[Writers will] get the list of questions and related questions and keywords that come from us, that we find in our research. And we’ll prioritize those for them, so it’ll be like, 'This is a top-tier keyword that you need to get into your article.' One of the things that we’ve been experimenting with as well is TL;DRs—”too long, didn’t read”—and having them either at the start or the end of the article and getting the writer to write really good summaries, as well.”

—Sebastian Bryers, Founder of Ora Organic

Listen to the full episode below!

9. Not all “influencers” are influential

Episode: Which YouTube Influencers Will Actually Make You Money (And Which Ones Won't)

There’s no denying the potential of influencer marketing. But where many brands go wrong is that they focus on reach and audience size rather than what actually makes it work: influence.

Ben Wieder of Chassis shared his process for vetting influencers and why YouTube is his platform of choice for influencer marketing.

“We will not do a video with anybody until they try our product. We really want this to be authentic because if they don’t believe that we are the best product, specifically the best powder for guys, then we don’t want them doing it for us because otherwise, it’s not authentic. It’s just a terrible infomercial at that point.

"And so, anybody who works with us, even before they do, they’re going to get the samples and they’re going to tell us you know what they think. What they like, what they don’t like. Is this something that they would use? And, I’ll be honest, there are a few times where we didn’t like what we heard. Or, we didn’t believe them. It wasn’t believable and we said, “We’re gonna pass on this opportunity.”

"What I love about [YouTube] the most is that it’s always working for us. Yes, you’re going to see the most impact the day that a video launches because that’s the day that most of the views are gonna happen, but every day every one of these videos that we’ve developed is capturing more and more views.

“And, it just feels good to know that even though we may not have launched a video this week, or even this month potentially, there are still views happening every single day across the world. And, more and more people are finding out about Chassis.”

—Ben Wieder, Founder of Chassis

Listen to the full episode below!

10. Grow your fanbase, not your follower count

Episode: Pulling off a $10k Instagram Launch (Without Any Automation or Ad Spend)

“How do I get more followers?” is the first question many ask about social media marketing. While it’s important to post great content and grow your audience, you can’t neglect the potential relationships you can build within your existing following, according to Katherine Gaskin, founder of The Content Planner.

“I knew exactly how to target my customers so you don’t necessarily need 10,000, 20,000, 30,000 Instagram followers to prove that your product can sell. I think I had a few hundred at the time I got my first sale.

"I personally don’t believe in scheduling your Instagram posts because as much as I would like to automate Instagram, I really like posting and being there for my customers so that if they do leave a comment right within the time that I post, I make sure that I automatically respond back for two reasons. One, because that’s really good for the algorithm and because responding back to comments also shows that you’re there for your business and that you show up every day for your business.

“What a lot of brands do wrong is they just post and they leave their community hanging. They don’t interact back with them and they don’t respond back to their comments.”

—Katherine Gaskin, Founder of The Content Planner

Listen to the full episode below!

What would you like to hear on the podcast in 2019?

One of my favorite aspects of Shopify Masters is that for about 45 minutes per episode, you can absorb the experience of seasoned practitioners as they discuss the intricacies of running a business on Shopify.

If you’ve been a regular listener of the show, we’d love to hear your thoughts. What do you enjoy? What could we improve? Is there anyone in the Shopify community you’d love to see on the show? Any specific topics you’d like us to cover?

Let us know in the comments!


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Jenna Haze Merchandise

Product Image "Fallen II" Script ~ Autographed w/Photo

"Fallen II" Script ~ Autographed w/Photo

$ 199.00

Own something rare: a piece of memorabilia directly from my days feature dancing and one of my films. While doing some spring cleaning, I began to realize that I have so many awesome items from my movies, photoshoots, and music videos... items I bet my amazing fans would love to buy and collect. This is the first time I've ever offered such collectible/unique items for sale and I will be selling a limited amount of these one-of-a-kind items that I have worn throughout my career.

 This listing is for my script from my non-sex role in Fallen II. This is the exact script I used while on set shooting my scenes & rehearsing at home. Script is highlighted by me. Buyer receives exact one of a kind movie memorabilia item as described. Item and photograph of me with the script can be autographed after purchase at buyers request.

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JFL42 Reviews: Between Two Ferns, Broad City, and Nick Kroll

Posted by: Andrew Lizotte  //  September 21, 2019 @ 4:06pm

Between Two Ferns: The Movie

September 20, 2019 • 2:00 PM @ TIFF Bell Lightbox

"How do I turn a five minute sketch into a feature length film?" is the age-old question that I'm sure keeps Lorne Michaels up at night.

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Asbestos exposure risk high in homes with these issues

Many Minnesota residents live in older homes. While new construction appeals to some people, others are more attracted to older homes because of the architectural beauty or character of such structures. Then, too, many people have inherited older homes, perhaps, living in the same houses where they spent their own childhoods. An old house might have a lot of artistic value, but such homes also often carry a high risk for asbestos exposure.

If a house was built before 1980, there is a good chance it contains asbestos. In fact, during this time period, it was common for ceilings, walls and floors to be constructed with materials that contain asbestos. Vinyl flooring, in particular, is often laden with asbestos and was a popular floor choice in pre-1980s home construction.

Asbestos is known for its insulation and flame-retardant properties. This is why the pipes in many older homes are lined with insulation that contains the microscopic fibers. If the roof on a home is made of corrugated sheets, it is likely to contain a durable material known as white asbestos.

Minnesota residents are not only at risk for asbestos exposure in their homes, but such dangers exist in many workplaces as well, which is why employers must inform their workers of known asbestos risks and also provide proper training and equipment to help keep them safe on the job. A specific type of inspection must be done to determine if there is asbestos at a particular location. Exposure often results in serious illnesses that devastate the lives of those affected. In fact, many asbestos-related incidents lead to litigation when victims of exposure file injury claims against parties deemed negligent in their cases.

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Barnaby Rudge

A Tale of the Riots of 'Eighty

Barnaby, a kind, half-witted young man, joins the Gordon rioters to proudly carry their banner. Along the way we get to meet Barnaby's murderous father, the hangman Dennis, and the madcap Hugh. There are vivid scenes of pillage, battles and executions as well as myriad characters who are grim, romantic and humorous. Sixteen 90-minute cassettes and two 60's.

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Simple Sugars was created by founder Lani Lazzari, who was struggling with eczema, and since then our products have helped thousands of customers struggling with sensitive skin conditions.

Simple Sugars is an all natural skincare line especially for sensitive skin. Simple sugars products are formulated for daily use to cleanse, exfoliate, and moisturize your skin in one step so you never need any additional lotion or moisturizer. The Simple Sugars product line includes facial, body, and foot products, as well as a Men’s line, Smooth for Men. All products are completely all-natural and are made entirely by hand at our facility in Pittsburgh PA.

Simple Sugars began in 2005 when I was struggling to find a solution for my very sensitive skin and problems with eczema. After many frustrating visits to the dermatologist and no solution, I started researching and mixed up my own products in my mom’s kitchen. I used them on myself, and for the first time in my entire life, I was eczema free. I started making more products and giving them out to friends and family. I started finding that they were helping people with other skin conditions, like my aunt who had psoriasis, and a friend who had rosacea. I realized I had created a product that people need, and that I had a great opportunity to start a business.

I started seriously growing my business when I was in high school. I took my entire Junior year off to focus entirely on the business, and after I graduated, I decided to forgo my college acceptance to devote myself to growing Simple Sugars.

In 2013 I pitched Simple Sugars on Shark Tank, received an investment from Mark Cuban, and Simple Sugars exploded literally overnight after millions of people watched me present on the show.

But the best part came later when happy customers started trying the products and sending us their stories of how well Simple Sugars worked for their skin problems. We received thousands of testimonials from people with every type of skin condition imaginable: eczema, psoriasis, rosacea, acne, severe dry skin, skin problems from chemotherapy, and more. Since then Simple Sugars products have helped thousands of customers with severe sensitive skin issues find solutions.


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Stimulus checks: After Pres. Trump’s push for more aid, negotiators look to end stalemate

National News

WASHINGTON (NEXSTAR) — House Speaker Nancy Pelosi and Treasury Secretary Steven Mnuchin are set to meet again Tuesday in hopes of striking a deal on a wide-ranging coronavirus relief package that both sides have agreed will include a new round of direct payments to most Americans.

Stimulus relief for Americans was the first piece of business President Donald Trump tweeted about from inside Walter Reed over the weekend. The message from President Trump underscored the political importance of reaching a bipartisan deal and delivering new direct payments.

“Our great USA wants and needs stimulus,” tweeted President Trump. “Work together and get it done.”

That’s exactly what Pelosi and Mnuchin have tried to do over the last week. The pair has had regular meetings lasting more than an hour. The speaker told CBS’ Face the Nation Sunday that she and Mnuchin are “making progress.”

The good news: Negotiators are closer to a deal than they’ve been in months.

The bad news: They’re still a long way off.

In addition to settling on a financial figure for the package, the GOP and Democratic leadership still has to deal with the language of the legislation, which remains a major roadblock. In particular, Senate Majority Leader Mitch McConnell’s insistence on a liability shield for businesses fearing COVID-related lawsuits after they reopen their doors.

What isn’t an issue is stimulus checks. Both Pelosi and Mnuchin have said direct payments will be part of any approved package.

While checks have been widely pushed by Democrats, they could largely be viewed as a win for the president. When the first round of checks was distributed, President Trump’s signature was on each of the payments. If President Trump was able to get a second round of relief distributed as people are heading to the polls for early voting, it would certainly be something to brag about in a period where the president can’t publicly campaign.

Talks between Mnuchin and Pelosi have been closely held. As of Tuesday, the two sides remained roughly $600 million apart.

As negotiations dragged out without coming to terms, Pelosi pushed a $2.2 trillion COVID-19 relief bill through the House last week.

A $1.6 trillion White House plan gave ground with a $250 billion proposal on funding for state and local governments. Mnuchin’s offer of a $400 per week jobless benefit put him in the same ballpark as Democrats backing a $600 benefit.

The GOP price tag of $1.6 trillion or more could drive many Republicans away, however, even as it failed to satisfy Pelosi.

Pelosi’s move to pass her larger relief measure in the House was largely symbolic and puts lawmakers no closer to actually delivering aid such as more generous weekly unemployment payments, extended help for small businesses and especially troubled economic sectors such as restaurants and airlines, and another round of $1,200 direct payments to most Americans.

The vote was advertised as a way to demonstrate Democrats were making a good faith offer on coronavirus relief, but 18 Democrats abandoned the party and sentiment remains among more moderate Democrats to make more concessions and guarantee an agreement before Election Day.

Republicans controlling the Senate remained divided.

At issue is a long-delayed package that would extend another round of $1,200 direct stimulus payments, restore bonus pandemic jobless benefits, speed aid to schools and extend assistance to airlines, restaurants, and other struggling businesses. A landmark relief bill in March passed with sweeping support and is credited with helping the economy through the spring and summer, but worries are mounting that the recovery may sputter without additional relief.

Pelosi has largely assumed a hard line so far. But she’s never had a reputation for leaving large sums of money on the table and her tactical position — facing a White House and Senate controlled by Republicans — is not as strong as her demands might indicate.

However, Pelosi is hopeful President Trump’s coronavirus diagnosis could help move negotiations forward.

“This kind of changes the dynamic because here,” Pelosi said in an interview Friday with MSNBC. “They see the reality of what we have been saying all along. This is a vicious virus.”

The White House also seems far more eager for a deal than McConnell. Any compromise that could pass both the House and Senate is sure to alienate a large chunk of Senate Republicans. McConnell expressed support for the talks and another bill, but isn’t leaning into the effort. But some of his members appear worried that the deadlock is harming their reelection bids.

“I’d like to see another rescue package. We’ve been trying for months to get there,” McConnell told reporters last week. “I wish them well.”

The Associated Press contributed to this report.

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Biden shuffles campaign leadership after 4th-place finish

Joe Biden

Democratic presidential candidate former Vice President Joe Biden speaks at a campaign event, Wednesday, Feb. 5, 2020, in Somersworth, N.H. (AP Photo/Elise Amendola)

This is an archived article and the information in the article may be outdated. Please look at the time stamp on the story to see when it was last updated.

Joe Biden is reorganizing his top presidential campaign leadership after a fourth-place finish in the Iowa caucuses, elevating Anita Dunn to a role that effectively puts her in charge of his third White House bid.

Two people with knowledge of the decision confirmed that Dunn, once the top communications aide in President Barack Obama’s White House, would take on an elevated role, but that campaign manager Greg Schultz would retain his title. One of the people told The Associated Press that Dunn will have final decision-making authority. The people spoke on condition of anonymity to discuss internal campaign strategy.

The New York Times first reported that Dunn would take on a new role, citing an email sent Friday from Schultz and longtime Biden aide Steve Ricchetti to the campaign staff and some key supporters.

Dunn, Ricchetti and Schultz didn’t immediately respond to requests for comment by the AP.

News of the change broke hours before Biden takes the stage Friday evening for a debate in New Hampshire, where the former vice president spent the days since Monday’s Iowa caucuses taking a much more aggressive posture against some of his top rivals. It also comes just days before New Hampshire’s first-in-the-nation presidential primary.

Senior campaign aides told reporters Friday in a predebate call that the personnel shifts should not be read as panic or an adjustment in Biden’s well-established strategy to lean heavily on primaries and caucuses that, unlike Iowa and New Hampshire, have racially diverse electorates. Aides notes that Dunn already was among the senior leadership team before Friday.

Still, the shift is nonetheless a tacit acknowledgment that fourth place, even in overwhelmingly white states, is damaging to Biden’s prospects looking ahead to the Feb. 22 Nevada caucuses, the Feb. 29 South Carolina primary and the March 3 “Super Tuesday” slate.

Biden has led most national polls of Democratic primary voters since joining the race in April. But he’s faced persistent doubts about the quality of his campaign operation in the early nominating states, and his fundraising has lagged other leading contenders.

He reported just $9 million in cash on hand to start the year, a sum dwarfed by his rivals who finished ahead of him in Iowa: Vermont Sen. Bernie Sanders, former South Bend, Indiana, Mayor Pete Buttigieg and Massachusetts Sen. Elizabeth Warren.

He’s also facing pressure from donors who are eyeing former New York City Mayor Michael Bloomberg, a megabillionaire who is skipping the first four states on the presidential calendar and instead pumping massive amounts of his personal fortune into Super Tuesday advertising.

Elevating Dunn is seen, at the least, as a signal to donors that the former vice president recognizes the make-or-break nature of the coming weeks in the primary campaign, as some of his top backers voice their concern that he’s squandering his advantages as a former vice president with a lead in national polling and perceived strength as a general election challenger to President Donald Trump.

Beyond symbolism for donors, the move can be seen as Biden’s attempt to clarify a leadership structure that aides and donors have described as muddled between an older generation of aides, like Ricchetti, and a new guard, including Schultz, that first joined him in lesser roles when he was vice president or since then.

At 62, Dunn splits the difference: She’s similar in age to Biden’s long-standing inner circle, but she hails more from Obama’s political orbit, having risen to acting White House communications director. She’s now a principal in a Democratic consulting firm based in Washington.

Schultz became campaign manager after having worked for Biden while he was vice president and then managing Biden’s political affairs as former vice president. Schultz traveled extensively with Biden as he campaigned for Democrats during the 2018 midterms. He helped build out Biden’s national and state campaign staff for 2020, and he’s been a main point of contact on the campaign for many donors.

But Richetti, a campaign senior adviser who was Biden’s last chief of staff in the West Wing, has been seen as perhaps the most dominant figure in the campaign. He’s joined by Bruce Reed, another former Biden chief of staff, and Mike Donilon, who has been a consultant for Biden’s campaigns since the early 1980s, when Biden was a Delaware senator.

Besides those official roles, Biden also still talks with perhaps his oldest political friend and former aide, Ted Kaufman, who was appointed to Biden’s seat in the Senate when he became vice president, and with his sister, Valerie Biden, who had managed his campaigns for decades. Neither Kaufman nor Valerie Biden has an official role on the 2020 campaign.

Besides Schultz, Biden’s inner circle in the current campaign also includes Kate Bedingfield. She joined Biden as a White House communications staffer in his vice presidential office; she’s now deputy campaign manager and one of his most regular confidants. Symone Sanders, who worked for Bernie Sanders’ 2016 presidential campaign, also has become a fixture on the road with Biden and is, according to aides, someone whose counsel the candidate seeks. Bedingfield and Sanders also are the most frequent television spokeswomen for Biden.

Even if Dunn’s elevation leaves Biden’s strategy or tactics unchanged, the shift could tilt influence inside the campaign toward those newer faces in the communications branch of his 2020 staff.

Catch up on the 2020 election campaign with AP experts on our weekly politics podcast, “Ground Game.”

Copyright 2020 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Get In Touch With Leasing Today

There is no doubt in your mind that you want a car to drive to and from work, to your child’s sporting events and around town for many other adventures. You rely heavily on the transportation of an automobile instead of alternative options. Understanding these has led you exactly where you are now–on the verge of leasing. One always want to look at options when it comes to a fiscal purchase as demanding as acquiring a vehicle. Sometimes a person simply wants to lease a vehicle for a certain number of years; these leases typically last between two and four years. The strategy behind finding a quality vehicle to lease in New York as opposed to buying is a bit different and a person wants to take some advice with them when thinking about leasing a vehicle. Think of budget.

Leasing often allows an individual to drive a new vehicle without having to take out a loan to pay for it. The monthly payments are often lower and one can have the peace of mind knowing that any oil change or repair can be done cost free at the dealership. One always wants to look at the benefits leasing a vehicle would bring to his or her life to see if they are with the costs. Leasing could also be a good option if someone is leasing to buy. Whenever a situation involves acquiring an automobile, budget is something that is going to be important.

One may feel as if they don’t have to be as wise with their budget with a lease as compared to buying a new vehicle. This isn’t true as leasing has many terms and fiscal conditions that have to be met. One will still pay for the monthly lease, pay for fuel and …


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Si Yuan Balance Method Practitioner – Upper Level Certification

Details for Certification to Upper Level

When approving applications to all three levels of Si Yuan Certification, extra attention is given to the practitioner’s experience gained from involvement in activities beyond daily clinical work such as but not limited to:

  • Participation in humanitarian missions
  • Regular contributions to Si Yuan Facebook Group
  • Publications or research projects on the Balance Method

Please make sure to detail relevant experience at the end of the application form.

Upper Level Certification is symbolized by the Water trigram with red lower, middle, and upper lines. This will appear on your official printed certificate.

  • Practitioners must have cumulatively attended all 4 days of Si Yuan’s AcuCore and the following Si Yuan’s AcuAdvance classes at least 5 times:
    • Treating Zang-Fu Disorders with Meridian Conversion Therapy: at least 5 times
    • Balancing the Five Elements: at least 4 times
    • Seasonal Balance: at least 4 times
    • Balancing the 8 Extra + Scalp Acupuncture: at least twice
    • Smart Combos: How to Integrate Various Balance Method Strategies: at least 5 times
  • Practitioners must have treated a minimum of 1000 patients using the Balance Method. (Please note, 1000 patients are required versus only 1000 individual treatments)
  • Practitioners must have practiced the Balance Method for at least 8 years.
  • Practitioners must have submitted 18 case studies: 4 involving local disorders, 6 involving internal disorders, 8 involving a mix of internal and local disorders (or “complex cases”). Required only for practitioners who were not previously certified Two Star-Level.
  • Practitioners must have completed at least 40 hours of internship with the Si Yuan Team
  • Continuing education with Si Yuan: Practitioners must attend at least 1 full AcuCore or AcuAdvance every 3 years to maintain their certification
  • Application fee of 500€. This covers the verification and analysis of the practitioner application data. Application fee is not refundable.
  • The Si Yuan Team reserves all rights to reject any application without justification.

Application for any level of certified Si Yuan Balance Method practitioners:

1. Please carefully read all the requirements before applying.

2. Please proceed to the payment of the corresponding application fee. Application fee covers the verification and analysis of the practitioner’s application data and documents. It is not refundable. The Si Yuan Team reserves all rights to reject any application without justification.

3. Please review your application carefully for the best accuracy and make sure you include all the following documents:

  • Certificates of participation
  • Letter of introduction and motivation
  • All case studies and corresponding attachments
  • Photo ID or picture

4. Please fill out the Application Form on this page. Should you not receive a confirmation of receipt for your application within 8 business days after submission, please contact us. Reply on your certification status will be sent by email within 2 months after receiving your application.

Si Yuan Balance Method Acupuncture Certification

wdt_IDLevelSymbolTrainings (Cumulative)PracticeExperienceEvaluationApplication
1 Basic Level Pre-certification 1 AcuCore - - - 4.99€ Per Month or 39€ Per Year Fee
2 First Level Certification 3 AcuCore >250 Patients, >3 Years Missions, Forum, Publications 9 Case Studies: 4 Local, 5 Internal 150€ One-Time Fee
3 Middle Level Certification 4 AcuCore, 3 Meridian Conversion, 2 Five Elements, 2 Seasonal Balance, 2 Strategy of 12 Magical Points, 1 Eight Extraordinary & Scalp, 3 Smart Picks >800 Patients, >6 Years Missions, Forum, Publications 1 Interview 18 Case Studies: 4 Local, 6 Internal, 8 Complex 300€ One-Time Fee
4 Upper Level Certification 5 AcuCore, 5 Meridian Conversion, 4 Five Elements, 4 Seasonal Balance, 4 Strategy of 12 Magical Points, 2 Eight Extraordinary & Scalp, 5 Smart Picks, >1000 Patients, >8 Years Missions, Forum, Publications 1 Interview, 40-Hour Internship 500€ One-Time Fee

    Gerald Friz Lic. Ac.

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    Vanessa Leite Dipl.Ac.
    +351 939418126
  • Si Yuan Balance Method SARL
    Avenue Edouard-Dapples 24
    1006 Lausanne

    Cancelation Policy

    80% refund will be offered if we receive your cancellation at the latest 15 business days before the first day of the seminar you registered to. No refund will be issued after the 15 days' deadline. All refunds are issued in euros or Swiss francs, depending on the available funds of Si Yuan Balance Method SARL. Any bank fees, commissions or exchange rates related to the refund are the responsibility of the customer. Such fees will not be covered by Si Yuan Balance Method SARL.


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Case Study: Teleflex Medical OEM | Skillnet Ireland

"Developing our staff is critical to the future success of our company. Working with our Skillnet drives us on."

David McKernan, Plant Manager, Teleflex Medical OEM

Learn More About Irish Medtech Skillnet

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Company Background

Teleflex Medical OEM are a leader in providing medical product development and production across the world.

About the Network

Irish Medtech Skillnet is a learning network for companies of all sizes in the medical technology and engineering sector. Member companies work collaboratively to share best practice and to respond effectively to the specific skills needs of the sector. This Skillnet addresses both technical and non-technical skills needs of members.

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View Single Post
Old Posted Sep 8, 2018, 1:13 AM
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DetroitSky DetroitSky is offline
Join Date: Aug 2006
Location: Detroit
Posts: 1,850
Originally Posted by jmcilreavy View Post
Kirk Pinho from Detroit Crains is the reporter I reached out to. He definitely has been looking into based on a couple tweets he recently made. It appears that the property is still listed and was in fact updated to reflect the Ford purchase of the train station. No asking price was listed.
For those of you interested, here's the link to the listing.

Updating the list due to some Monroe Block heights being revealed:

Currently being renovated/renovations planned:
1. Book Tower-475ft
2. David Stott Building-437ft
3. Michigan Central Station-232ft
4. United Artists Building-230ft
5. Free Press Building-190ft
6. Metropolitan Building-183ft

Reopened since 2010:
1. David Broderick Tower-369ft
2. Book-Cadillac Hotel-349ft
3. David Whitney Building-272ft
4. Crowne Plaza Riverfront-262ft
5. Fort Shelby Hotel-242ft

New construction approved/underway/recently completed:
1. Hudson's site development-800ft
2. One Monroe Avenue-536ft
3. Monroe Blocks b3-341 ft
4. Crowne Plaza Riverfront tower 2-338ft
5. Chemical Bank headquarters-20 floors
6. Monroe Blocks a2-187ft
6. The Griswold-15 floors
7. Monroe Blocks b1-122ft

Rumored new construction:
1. Grand & Woodward tower- ~30 floors
2. Residential tower near Comerica Park
3. Hotel near LCA
4. Hotel on Hockeytown Cafe site

Still vacant without plans:
1. Executive Plaza-290ft
My Emporis photos.
My Instagram.
Reply With Quote


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The Healthiest Celebs of 2020 and How to Live Like Them

For many of us, heading into a new year means taking the opportunity to rejig aspects of our lives that we may feel need a change. Whether it’s a promise to go for a long walk once a week, or head to a therapist to work out some hard feelings, the passing of the old year into the new is often what we use to help set goals for ourselves.
In this 20 slide gallery, we’ll be highlighting the healthiest celebrities, and showing you how to live like them in 2020. Whether you’re looking for a little inspo, or just wondering how they do it, health and wellness comes in all shapes and sizes – and these celebs prove it.

Latest News


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Search Jobs for Speech-Language Pathologists

Norwich, Connecticut -Bilingual Speech Therapist Opening

Job Code
Job Category
Schools - SLP
Job Location
Norwich, CT
Job Type
Last Updated
Posted 5 days ago
Soliant Health

Soliant is currently hiring exceptional and qualified candidates who provide services across the healthcare field. Join our team this school year as a Speech Language Pathologist in the Norwich, Connecticut area.

Job Overview:

· Full Time and Part time available

· Caseload PreK-12th grade (based on individual experience and preference of district)

· Monday-Friday based on school’s schedule

Candidate Requirements:

· CCC's preferred/ CFY's encouraged to apply

· Active/ pending license approved by State Board of Speech Language Pathology of CT

· IEP & AAC experience preferred but not required

Soliant Benefits:

· Competitive Health Insurance

· Weekly Pay

· 401k Plan

To apply, please contact Tiffani Webb at or text/call 678-538-6776

Tiffani Webb

Get Started Now!

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Google officially talked about its Android 10 software at Google I/O, and this year, the Developer Preview is available for a total of 21 phones right now. Apart from all Pixel phones, the new update will be available on 15 other partner devices. Before we get into the full list, let’s talk about some features Android 10 brings to the table.

Android 10 Features: What’s changed?

Here are some star highlights of Google’s 10th Android version:

  • Android 10 finally brings in a dark theme.
  • Google adds a new navigation bar. You can now swipe for the back action.
  • A new Focus mode in Android 10 can be used to temporarily disable distracting apps.
  • Android 10 gets native 5G support.
  • Android 10 has a heat monitoring API.
  • More elaborate Parental controls with bonus time are coming to Android 10
  • There is native support for AV1 video codec (for data saving)
  • Smart reply (for suggested replies) will be available in notifications and many more places.
  • Live captions that caption all videos and audios on your phone in real-time will be a native Android 10 feature.
  • Screen continuity for foldable phones has been added.
  • It would be easier to access your privacy and data settings on Android 10
  • With Android 10 you will get more location sharing control.
  • Some OS modules will now be able to update in the background, without requiring a reboot.

Also Read: Google says there will be no Android Q, instead it will be Android 10 and so forth

List of Android 10 Phones in India

Android 10 Android Q name

Out of the 21 phones that support Android 10 Beta, about half are available in India. These include.

Other phones with Android 10 support:

  • Essential Phone PH-1
  • LG G8 ThinQ
  • Oppo Reno
  • Sony Xperia XZ3
  • Vivo X27
  • Vivo Nex S
  • Vivo Nex A
  • Xiaomi Mi 9
  • Xiaomi Mi Mix 3
  • Tecno Spark 3 pro

How to download Android 10 Beta on your phone?

The process will differ from phone to phone. To start with, you can directly head to Google’s supported device page. From here, scroll down to your phone and hit “Get the Beta” option.

You will now be redirected to the respective manufacturer page from where you can download the Beta package and flash it from recovery. The OEM pages also list ‘Known issues’ with the Beta preview, and we suggest that you go through them before you flash the new software.

Alternatively, you could also flash Android 10 Beta using Emulator. Detailed steps to do so are mentioned on Android Q Beta page.

Should you download Android 10 Beta?

Right now we wouldn’t recommend that you download the Android 10 Beta on your primary phone. We have been testing Android 10 on Realme 3 Pro and there are many issues to be dealt with including random app crashes, stuttering, lack of fingerprint sensor support and so on. Suffice to say, there are good chances that Android 10 might break a few important things on your phone and you are advised to practice caution if you are unsure of what you are getting into.

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Lenovo-owned Motorola has hinted at the imminent launch of the next-gen Moto G6-series in India. The firm posted a short video of its Moto G6 and Moto G6 Play on  Twitter, which confirmed the arrivals of the phones in the country.

Moto G6 and G6 Play Highlights:

  • Full vision 18:9 display
  • Stock-Android Phones
  • Moto G6 Play packs a 4000mAh battery
  • Moto G6 rocks Snapdragon 450

Also Read: Honor 10 with AI-Assisted Cameras and Kirin 970 Chipset Launched

The teaser, which was shared by Motorola India, includes a short 14-seconds video appealing to all the techies, movie buffs, artists, photographers, explorers, and fashionistas to witness the Moto G6 and G6 Play launch. Additionally, Moto also created a dedicated site for users to register themselves for notifications surrounding the launch.

Apparently, the Plus variant of the G6 series that was launched alongside the aforementioned phones in Brazil last month was not teased in the video.

Moto G6 Play and G6 Features

The G6 Play is Moto’s new-entry level at mid-range segment, followed by Moto G6. The only visible difference between the two phones are the placement of fingerprint sensor, the Moto G6 has it on the front whereas the G6 Play sports it on the rear panel.

As for the specifications, both phones sport a 5.7-inch 18:9 display with Full HD+ and HD+ resolution, accordingly. They both run stock-Android Oreo out of the box.

The Moto G6 rocks a Snapdragon 450 SoC, paired with 3GB of RAM and 32GB onboard storage. Whereas the Moto G6 Play is powered by slightly weaker chipset – Snapdragon 430, but with similar configuration. Both phones have a dedicated microSD card slot to boost the storage up to 256GB.

Also Read: HTC Exodus Will Be A Blockchain-Powered Android Phone

In optics, the Moto G6 sport a dual 12-megapixel + 5-megapixel sensors with dual-tone LED flash on the rear and an 16MP sensor on the front with selfie flash. In the similar context, the Moto G6 Play comes with a 13-megapixel primary camera sensor with f/2.0 aperture and LED, while a similar selfie flash and an 8-megapixel sensor on the front.

Moto G6 and G6 Play India Launch Date [Expected]

There is no exact date as to when Moto G6 and G6 Play will be launched in India. As for the pricing, the Moto G6 could cost you anywhere around Rs. 16,000 whereas the Moto G6 Play is expected to sell in India at a price of Rs. 13,000.

Meanwhile, Motorola is gearing up to launch the phones in China on May 17.

Moto G6 Play and G6 Specifications

Model Moto G6 Play Moto G6
Display 5.7-inch display with HD+, 18:9 screen aspect ratio 5.7-inch display with Full HD+, 18:9 screen aspect ratio
Processor 1.4GHz octa-core Snapdragon 430 chipset 1.8GHz octa-core Snapdragon 450 SoC
Internal Storage 32GB, expandable to 128GB 32GB, expandable to 128GB
Software Android Oreo  Android Oreo
Primary Camera 13MP, f/2.0 aperture, LED flash 12MP+5MP, f/1.7, f/2.2, dual tone LED flash
Secondary Camera 8MP 16MP with selfie flash
Battery 4000mAh battery with turbo-charge support 3000mAh battery with turbo-charge support
Dimension 154.4×72.2×8.95mm; weighs 173 grams 153.7×72.3×8.3mm
Others Dual-SIM, 4G LTE, Wi-Fi, Bluetooth 5.0, USB Type-C, NFC, 3.5mm audio jack, fingerprint sensor Dual-SIM, 4G LTE, Wi-Fi, Bluetooth 5.0, USB Type-C, NFC, 3.5mm audio jack, fingerprint sensor
Price To be announced To be announced

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Brand New

Men's Merino Sport 250 Long Sleeve Button Up

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Our Men's Merino Sport 250 Long Sleeve Button Up brings you a sophisticated style with an even smarter performance. It's versatile look and the benefits of Merino wool mean you can head straight from a day in the mountains to a night on the town with comfort and confidence.
  • Warmer Merino/polyester blend helps fabric move moisture, dry quickly, and hold its shape during high-sweat activities in colder weather
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  • Composition
    56% Merino Wool, 44% Polyester. Exclusive of Decoration.
    Machine Wash Cold Gentle Cycle. Do Not Bleach. Tumble Dry Low. Cool Iron As Needed. Do Not Dry Clean. Do Not Iron Decorations. Wash Separately.
    Our 100% Satisfaction Guarantee
    If for any reason you're not satisfied with your Smartwool® product, please return it to us within two years of purchase and we'll make it right.


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Customer satisfaction first

Many leading companies in their sector choose our services positively evaluating our company thanks to consolidated relationships and dedicated evaluation audits.

In our laboratories the major international certification bodies and notified bodies carry out their surveillance activities on a daily basis.

Our company is accredited according to the UNI CEI EN ISO / IEC 17025 regulation by ACCREDIA.

Accredia is the single national accreditation body designated by the Italian government, in application of the European Regulation 765/2008, to certify the competence, independence and impartiality of the certification, inspection and verification bodies, and of the testing and calibration laboratories. Accredia is a recognized nonprofit association, under the supervision of the Ministry of Economic Development.

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Phone: +39 02 90967142 Fax +39 02 90968237

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David Wilkerson Predicts Imminent Catastrophe

Pastor of New York's Times Square Church warns of imminent catastrophe?

Claim:   The pastor of New York’s Times Square Church directed his church to prepare 2,000 sandwiches on 10 September 2001, in anticipation of the 9/11 terrorist attacks.

Example:   [Porter, March 2009]

I received this e-mail today. Did Mr. David Wilkerson of the Times Square Church really make this prediction?

Should We Heed Wilkerson’s Warning?

When I was a kid, I read about David Wilkerson who took the Gospel to the gangs of New York. I even saw the movie “The Cross and the Switchblade”

that was made about him. Many know about that, but most don’t know what happened in his church just eight years ago.

In the fall of 2001, Pastor David Wilkerson, of Times Square Church in New York City, was warned by God that a calamity was coming. For six weeks they felt an intense burden and enormous heaviness. A critical need for intercession was so profound that Pastor Wilkerson canceled everything on the church calendar — mission’s conferences, youth events and every guest speaker.

For six weeks, there wasn’t a sermon. Instead, there was intercession for our nation with weeping and repentance. They knew something was coming and that something was bad. And that something was soon. So they prayed. And prayed … and prayed.

[Rest of article here.]

Origins:   Pastor David Wilkerson is the Founding Pastor of New York’s Times Square Church, which was established in October 1987. A 7 March 2009 entry in Pastor Wilkerson’s blog issued the world a warning that an imminent “EARTH-SHATTERING CALAMITY IS ABOUT TO HAPPEN. IT IS GOING TO BE SO FRIGHTENING, WE ARE ALL GOING TO TREMBLE — EVEN THE GODLIEST AMONG US.”

According to the pastor:

For ten years I have been warning about a thousand fires coming to New York City. It will engulf the whole megaplex, including areas of New Jersey and Connecticut. Major cities all across America will experience riots and blazing fires — such as we saw in Watts, Los Angeles, years ago.

There will be riots and fires in cities worldwide. There will be looting — including Times Square, New York City. What we are experiencing now is not a recession, not even a depression. We are under God’s wrath. God is judging the raging sins of America and the nations. He is destroying the secular foundations.

Pastor Wilkerson and his predictions of imminent catastrophe were the subject of several articles in WorldNetDaily (WND), one of which, published on 10 March 2009, related how the pastor felt he had been warned by God in the weeks just before the 9/11 terrorist attacks on New York that a calamity was coming and that he should prepare for this event by making sandwiches, a revelation claimed to give credence to Pastor Wilkerson’s recent prophecy of another tragedy:

Then Wilkerson felt God telling him something that seemed rather bizarre. He felt God telling him to make sandwiches — lots of sandwiches. What were they for? Who would eat them? That part wasn’t clear, but his church did what they believed God was telling them anyway.

And on the 10th of September they stayed up all night making hundreds and hundreds of peanut butter and jelly sandwiches. By morning they had about 2,000 sandwiches. At 8:46 a.m. the first plane hit the World Trade Center and Times Square Church was ready to feed and minister to rescue workers and victims of our nation’s worst attack.

So, when the guy who made the 2,000 sandwiches on Sept. 10 warns us: “AN EARTH-SHATTERING CALAMITY IS ABOUT TO HAPPEN,” I think we would do well to heed it.

However, WND didn’t undertake even a minimal fact-checking effort for the story, as a simple e-mail inquiry to the church revealed that the tale about their making 2,000 sandwiches the day before the 9/11 attacks was false:

The claim made in the World Net Daily article that Times Square Church staff
stayed up to make 2000 sandwiches the night before 9/11 is false. No one
authorized to speak on behalf of Times Square Church contributed information
to the article. Sandwiches were made on 9/11 after the towers were hit.

After we published this piece, WorldNetDaily scrubbed all traces of the erroneous article from their site.

The motif of one realized event’s bestowing credibility on a prediction made about a second event yet to occur appears in rumors dating at least as far back as
World War II:

In the wake of the anxiety rumors that swept the nation immediately after Pearl Harbor came a pipe-dream rumor which was undoubtedly the most popular of all: the weird tale of the man who picked up a strange woman in his car. Arriving at her destination, his passenger allegedly offered to pay the man for the gas he had used. But the man refused to accept the money, so the woman offered to tell his fortune. And, as the rumor went, mysteriously she told him, “There will be a dead body in your car before you get home, and Hitler will be dead in six months.” Supposedly, then, on the way home the man had seen a serious automobile wreck and had taken one of the victims into his car to rush him to the hospital. But the injured person died en route, which left the hopeful implication that Hitler would therefore be dead within the following six months.

Although this pipe dream sounds foolish, it nevertheless spread throughout the country rapidly. It appeared in widely circulated gossip columns, and a lot of Americans took it seriously. Yet this same rumor, in the setting of the period, to be sure, had appeared in every military conflict since the Napoleonic Wars. And it has been said that the rumor probably goes back into the Middle Ages.

Last updated:   16 June 2009

    Jacobson, David J.   The Affairs of Dame Rumor.

    New York: Rinehart & Co., 1948   (pp. 378-379).

    Porter, Janet.   “Heed Wilkerson’s Warning.”

    WorldNetDaily.   10 March 2009.

    NewsNet5.com.   “Famed Pastor Predicts Imminent ‘Earth-Shattering Calamity.'”

    MSNBC.com.   11 March 2009.

    WorldNetDaily.   “Famed Pastor Predicts Imminent Catastrophe.”

    8 March 2009.

    WorldNetDaily.   “Pastor Tells How to Prep for Imminent Catastrophe.”

    14 March 2009.


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Be part of the COVID-19 response team.
Search for crisis positions in healthcare and apply today! »

Cath Lab tech travel job in Charleston, SC

Charleston, South Carolina Posted 5 days ago

Apply Now
Category Imaging - Cath Lab Tech
Job Type Contract

Are you living in or near the Charleston area and looking for a travel assignment? Well Soliant Health has a great opportunity for you! We are currently working with a local hospital to staff a Cath lab tech.

What are we looking for?
Pediatric Cath lab tech with 2 years minimum experience in Pediatrics and IR.

Schedule 7am-3:30 pm with Call on some weekends. if interested please Contact Octavian Stephens.

Octavian Stephens
Account Executive
1979 Lakeside Pkwy Ste. 800 Tucker, GA 30084

Apply Now

Equal Opportunity Employer Minorities/Women/Veterans/Disabled

  • Competitive Salary
  • Weekly Paycheck
  • Matching 401(k) Plan
  • Extensive Medical Coverage
  • Licensing Assistance
  • Custom Housing
  • Travel Assistance
  • Professional Development Reimbursement


text:
Oui Long Patterned Dress - 61364

Code: 13079
  • £199.00
  • (Free UK Delivery)
Item in Stock | Usually dispatched within 24 hours
Hand wash only
Do not bleach
Iron at max 110c
Dry cleaning - normal process
Do not tumble dry

Exude bohemian appeal with our midi dress by Oui. Crafted from a lightweight material, the dress is finished in navy and adorned with beautiful leaf & floral detailing for a feminine touch. Voluminous sleeves and bow cuffs add a vintage appeal to the dress whilst a tie waist belt and keyhole neckline give a flattering silhouette. Team with some heels and jewellery details for an eye-catching look.

  • Long sleeve midi dress
  • Navy finish
  • Floral detailing
  • Bow on the cuffs
  • Tie belt
  • Keyhole neckline
  • Length 116cm in size 36
  • 100% viscose

We offer free delivery within the UK. Orders are normally delivered within 2-3 days with standard delivery. We also offer a first class delivery for £3.95 and special next day delivery for £4.95.

Click and Collect is also available.

Something For Me are happy to exchange or refund your purchase within 21 days of delivery. If you are returning your goods for a refund, it will be credited to the original payment card. Something For Me do not pay the return postage costs. We reserve the right to refuse an exchange or refund if goods are not returned in a saleable condition or are damaged.

For more information read our delivery and returns policy.


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24 Jul

Video: Here’s how Sheheryar Munawar and Maya Ali became such good friends

Maya Ali and Sheheryar Munawar have been promoting their upcoming movie, Parey Hut Love, to no end, and it sure is paying off, with #Saniyar being the talk of the town.

If youâ€™ve been living under a rock for the past month, you might wonder what Saniyar means; itâ€™s the ship name of their characters from the movie, Saniya and Sheheryar, and thanks to the A+ promotions, people canâ€™t wait to see them onscreen.

Something Haute sat down with the two to talk about their upcoming movie, and needless to say, a lot of fun ensued. With Maya Ali trying and failing to sit still for longer than a couple of minutes, and Sheheryar revealing details about their characters, the sit-down was one for the books.

The chemistry between the two is palpable, and one thingâ€™s for sure, if nothing else, these two will surely light up the screen in Parey Hut Love with their effortless bonding. â€œI learned a lot from him during filming. While I would try to get the shots done as quickly as possible, he would contribute to the script, making little changes here and there,â€ revealed Maya about her co-star. It is Sheheryarâ€™s own production so we can understand why he would do that!

â€œI guess life imitates art, and sometimes art imitates life,â€ said Sheheryar while talking about his character, also named Sheheryar, in the movie. He plays a struggling actor, and when asked if he still considers himself to be one, Sheheryar had some wisdom to spill. â€œThe struggle is real, and it stays constant. You canâ€™t expect to keep swimming without making the effort to stay afloat, can you?â€ said Sheheryar.

Read More: Parey Hut Love is a romantic melodrama with gloss and glamour

According to Shery, his character wasnâ€™t named Sheheryar at first. Â â€œThe character was originally named Shehban, however we changed it later. Asim really wanted me to channel my real self for the role and so he decided to go with Sheheryar,â€ shared the Ho Mann Jahan actor.

The two revealed more fun details from when they were filming, and how they developed this camaraderie in real life that seems to be tailor made for the big screen. Watch the whole interview here:

The Haute Team

This article is written by one of our competent team members.


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Come Up Higher

Come Up Higher

- 35 x 28 cm

- Mixed media & Acrylic

- Hanging wire attached.

- Deep edged canvas

"Come up higher" depicts a beautiful landscape inspired by canadian mountains, with an eagle flying high in the sky.

This painting represents the idea of shifting your eyes up and off the ground to be able to see all the beauty from above. It's about rising up above a situation to be able to put things into perspective, which brings a sense of courage that you are much higher than the problems below.

This painting captures freedom, and create a sense of space. It acts like another window on the wall, taking you to another place.

At a medium size, this painting can be hung on the wall and propped up on a side unit as shown in the pictures.

*Price above does not include shipping.


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The Design People

Location: Manila
Typical budget: $3,000 and under

The Design People is a boutique web design studio founded in 1999. We have a 20-person office in Los Angeles supported by 100+ person office in Manila, Philippines. We have junior to senior level designers, developers, and programmers who are ready to work on your web projects.

Our people are some of the best in the industry —having passed our own rigorous metrics, competency tests and adhering to industry standard and best practices. We have experienced web designers, web developers, art directors, web application programmers, mobile app developers, data entry professionals and virtual assistants.

Our Manila office operates a full production facility so if you have an overflow of work and a looming deadline, brief us on your project and we’ll take care of it.

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Location: Houston
Typical budget: $10,000-$25,000

WEBHONCHOZ is a successful Website Designing and Development Company in US. We provide proactive and result oriented website design, development services for companies and organizations of all sizes in all sectors.

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Alabama Secretary of State Named Co-Chair of NASS International Relations Committee

Thursday, August 8, 2019 – MONTGOMERY - Following the conclusion of the 2019 Summer Conference, the National Association of Secretaries of State (NASS) announced Committee Co-Chairs for the 2019-2020 term. As a result, Secretary of State John H. Merrill (R-Alabama) and Secretary of State Tahesha Way (D-New Jersey) were named Co-Chairs of the International Relations Committee.

Following the release, NASS President and Iowa Secretary of State Paul Pate proclaimed, “I am proud to appoint my bipartisan colleagues to these important posts. They will be on the forefront of vital issues facing Secretaries of State across the country, and I look forward to working closely with them.”

NASS is the country’s oldest, nonpartisan organization for public officials. Membership consists of appointed and elected Secretaries of State and selected Lieutenant Governors from across the United States and U.S. Territories. NASS serves to promote ideas and best practices related to elections and voting, state business services, and state heritage.

The International Relations Committee works to educate members on state and federal approaches to international protocol, global markets, and the development of U.S. foreign policy. Committee members dedicate their efforts to strengthening partnerships with key institutions, such as the U.S. Department of State and the United Nations.

“I look forward to strengthening U.S. alliances alongside my colleagues on the International Relations Committee and am honored to continue my service to the people of the great State of Alabama in this capacity!” announced Secretary Merrill.

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• Finance for Non-Financial Managers Course - 1 day

Finance for Non-Financial Managers Course Objectives

  • To provide a clear insight into the fundament of finance and explain procedures.
  • To provide an understanding of financial reports such as Profit and Loss and Balance Sheets.
  • To show how to read into key financial reports defining the issues and areas that matter.
  • To spot warning signals and understand key performance benchmarks to drive revenue and margins.
  • To appraise capital spending.

Course Format

Tutor led one-day course led by qualified financial professional. This Finance for Non-Financial Managers Course is held in practical, interactive format.

Course Content

  • The profit and loss account  (income statement) explained
  • The balance sheet explained
  • Cash flow statements
  • Analysis of components of a submitted financial accounts
  • Established accounting policy and its effect
  • The use of creative accounting methods
  • Working Capital and liquidity
  • The importance of liquidity and cash-flow control
  • Cost control and management; categorisation of costs
  • Use of real life accounts to consolidate learning

DOWNLOAD printable information on this course.

Dates and Duration

One day course in Central London 10:30 to 16:30.

Please refer to the schedule for start dates.

Suitable for

People with a need to have a closer understanding of finance. You do not need any financial background to do this course as basics are explained at the outset enabling more complex issues later.

Course Requirements

Good general level of education with an open mind.

Clear practical insight into financial issues.

Ability to make practical use of the knowledge in a live situation with improvements in such areas as cost control, margin and revenue improvement.

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Outdoor Service | Saturday | 7pm Prism Church: 61 N Hill Ave. Pasadena, 91106

Saturday Services @ Prism (61 N Hill Ave. Pasadena, CA 91101)

7:00 pm

Sovereign Grace Church of Pasadena @ Prism

61 N Hill Ave

Pasadena, CA 91106

We meet in The Sanctuary of the old First Congregational Church

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Community Groups: Experiencing and Expressing the Gifts of the Holy Spirit.

The fourth goal of our Community Groups at Sovereign Grace Church is to experience and express the gifts of the Holy Spirit. 1 Corinthians 12:1-7 teaches us that God gives a variety of spiritual gifts to the members of the body and these are for the common good of the church. While we do see many gifts operating on Sunday mornings, there are many more that can be used in ...

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Lower instalments come at a cost

11 October 2017 - 15:41
By Thuli Zungu Consumer Line

Many first-time car buyers still fall into the trap of buying cars with a residual value or balloon payment without understanding the repercussions.

Nokukhanya Dlamini, 39, of KwaMashu in KwaZulu Natal recently discovered that she had to repay a balloon payment of R260000 on a BMW she bought five years ago.

Dlamini said she was unaware that she was not paying interest on her car finance until mid-March this year.

She purchased a BMW worth R700000 and paid a deposit of R40000 and not the required 10%, as she could only raise that amount, she said.

The sales consultant asked her what she was willing to repay for the first five years, and she opted to pay R5500, which increased by R100 each year .

She said she was surprised when she received text messages requesting her to contact her financier.

"On calling the financier, I was told the car was about to clock 80000 kilometers so I should either pay the balloon amount, or bring back the car for a new and latest model," Dlamini said.

This was never discussed when she signed her contract, she said.

"As a single parent, I would have not agreed to this as I would have known that I would not be able to raise a balloon payment because school fees mount every year," said the mother of three.

Dlamini has refinanced her car for a further R260000, as she cannot do without it.

Nelisiwe Baloyi, who heads Absa Vehicle and Asset Finance - not the financier of Dlamini's car - said most people got caught up in the excitement of buying a new car and neglect doing their homework.

Baloyi said because South Africa has just emerged from a technical recession, most consumers were still under pressure.

She advised consumers to first consider whether they could afford to buy their dream car or not.

Consumers should also decide whether the vehicle will be for business or personal use, because this affects the amount payable for the vehicle insurance policy.

Baloyi said buying a vehicle with a balloon or residual payment made a vehicle more affordable, but consumers get locked in a finance period which is over 72 months, with a balloon payment.

Though this option created flexibility in cash flow, it could be expensive because there was more interest repayable.

She said a further disadvantage was that the trade-in value may not be fully realised.


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Northrop Grumman Expansion

In October 2015, the United States Air Force selected Northrop Grumman to build the nation’s next long-range strike bomber, now known as the B-21 Raider.

The State of Florida and Brevard County cheered the news that the Air Force had chosen Northrop Grumman to build our nation’s next-generation bomber. This contract award is expected to be worth $80 billion for the initial 100 bombers the Air Force says it needs.

Northrop Grumman’s decision to locate the ”Project Magellan” at Orlando Melbourne International Airport is expected to generate a return on investment well beyond the taxpayer investment in the project. When the company officially announced the project in May 2014, it committed to Phase 1, creating the Manned Aircraft Design Center of Excellence, with an investment of approximately $75 million in facilities and equipment, and creation of 300 engineering positions at an average annual wage of $100,000. Overall, the company exceeded the above commitments in Phase 1, having constructed an approximately 220,000 square foot facility in ahead of schedule and hiring some 425 plus employees at average wage levels well above the promised $100,000. And it appears the company will exceed its commitments of Phase 2 of the project as well.


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Spin Bike
Spin Bike
Spin Bike
Spin Bike
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Spin Bike

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Due to a recent surge in sales, all new orders on this product will be available from NOVEMBER 2020.  By placing this order now you are pre-ordering your product.

If you would like to get your hands on some equipment sooner, take a look at our Australian made range.  We manufacture our Australian made products locally and they have a faster delivery schedule.

Extraordinary Spin Bike

  • Start your day with Spin Bike! One of the best indoor bikes. With its durable, heavy-duty crank and lots of adjustabilities.
  • Comes with assembled dimensions of 1150 x 560 x 950MM, the fully adjustable seat and handlebars mean you can move the handlebars and seat easily to suit your body type.
  • Spin Bike helps you create the most comfortable exercising experience which makes it more likely for you to come back for more and to reach your fitness goals.

Premium Indoor Bike

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  • Comes with a balanced 18.5 KG. flywheel allows for smooth and consistent operation while the belt drive system allows for a quiet and efficient workout.

Safer Than Road Cycling

  • With indoor cycling, slip your mind about traffic, weather conditions, or anything such.
  • Spin Bike, helps you work out safely at a comfortable temperature at any time of the year!

Boosts cardio-fitness

  • Cycling is an excellent way to get your heart pumping.
  • Cardiovascular or any aerobic workouts such as cycling, strengthen your heart, lungs, and muscles. They also improve the flow of blood and oxygen throughout your body.

.Ergonomic Design

  • This cycle’s transport wheels grant you an advantage in accessibility and mobility.
  • Spin Bike is designed with a convenient media holder where you can safely place your mobile device while listening to music during workouts.
  • Safely designed to protect you from falling during exercise.

  • Product Name: Spin Bike
  • Flywheel: 18.5KG
  • Machine Size: 1150×560×950MM
  • Packing Size: 1002×260×900MM
  • Package: Wood Jump Box packed in Carton box
  • NW/GW: 60KG/67KG
  • Max User Weight: 260KG


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food truck wraps

Food Truck Vehicle Wraps

APRIL 6, 2020| SpeedPro Philadelphia North

The food truck industry is competitive and constantly growing. You need to stand out from the crowds and ensure that you can catch the attention of potential customers. For food trucks, the vehicle itself is one of the best advertising tools you have. With a modern, bright design and a style that shows off your company’s values, your truck has a chance at becoming a local lunch hotspot.

One of the best ways to give your truck a bold and noticeable look is with vinyl wrapping. Vinyl wraps allow you to create intricate and detailed designs, customized to fit your branding. With a short application process, you can turn a plain and boring truck into a trendy stand that’s hard to miss.

For food truck operators, the design on the outside of the vehicle is essential to running a successful business. Your truck needs to detail the name of your business, what you sell, contact information and any other important details. The more you include, the better your chances of making sales will be. Get your business information across and brand your company. Your truck needs a logo and colors that stand out, making it noticeable and recognizable from a mile away.

Vinyl vehicle wraps are the perfect way to create a bold full-truck design. They consist of large printed panels of vinyl, which you can fully customize. You can include all the colors, graphics, text and designs you want. Once you have a design ready, an imaging company can print it onto the large vinyl sheets. Then, you can apply the printed panels to the outside of your vehicle.

Unlike a new paint job, vinyl wraps can achieve clarity and detail, even with lots of text, large images and background patterns. To use paint, it would take multiple layers of color, a painstaking amount of time to lay out the details and drying time in-between applications. And with all that effort and patience, you still would be limited in your design options. You’ll have none of those hassles with vinyl wrapping and can achieve almost any design scheme.

Since you can do so many different things with vinyl wrapping, there are many different types. Vehicle vinyl is fairly standard across the board. The biggest differences are size and durability. Some imaging companies offer multiple levels of durability, and you can choose one depending on how long you want the same food truck wrap. This can be helpful, whether you plan on rebranding within the next few years or know you’re sticking with a design for the long haul.

You can also choose from different sizes of wrapping. Each size is dictated by the amount of surface area on the vehicle the wrap will cover. There are two basic varieties:

Full Wraps are Important for food truck advertising

Food trucks typically have a full wrap on them, as it provides coverage for the entire surface area of the vehicle. It helps protect the truck’s paint, but it’s also a better choice from an advertising perspective. With a full wrap, you’ll have the advantages of:

  • More room for design elements: If you cover the most surface area possible, you leave yourself with the most room to work with the design. While more doesn’t always mean better, creating a theme is easier when you have the full truck to work with.
  • Visibility from all sides: You can easily improve the visibility of your truck with a full wrap. With a well-planned design, customers will recognize your brand from any side of the vehicle, increasing your chances of success. It also helps pique the interest of people passing by in cars or on sidewalks.
  • Brand cohesiveness: Whether you run one food truck, a full fleet or are expanding from a stationary restaurant, you need to ensure your branding is cohesive. The exterior of your truck should have a design that matches any menus, business cards or other materials you hand out. A full wrap will allow you to better express your brand, even if a large part of the design is just color.

Rather than cover the entire vehicle, some food truck operators choose to apply a partial wrap. Partial wraps cover about 1/4 to 3/4 of the exterior surface area. If you don’t want to commit to a full wrap, this is a great alternative. With strategic placement, they can be just as attractive as a full design. Some of the advantages of a partial wrap include:

  • Easier on your budget: Since partial wraps use less vinyl and don’t require as much printing as full wraps, they typically have a lower cost. For startup businesses or those with smaller budgets, saving money is a must. Using a partial wrap is a great way to cut costs without sacrificing the branded design of your truck.
  • Great option for temporary use: There’s always room for growth and improvement in the foodservice industry. Whether you intend to expand, purchase a larger or newer truck or revamp your branding, a partial wrap is perfect for temporary situations. Regardless of how soon you intend to make changes, you still need to advertise your services in the meantime.
  • Incorporates the paint color: If the paint color of your vehicle is neutral or matches your branding, you can incorporate it into your design with partial wrapping. You can create a design that matches, contrasts or fades into the paint with a gradient.

Whether you opt for full or partial coverage, the most crucial part of the vinyl wrap is the design. You need to both appeal to your target audience and let them know what you’re selling. At a glance, potential customers will judge your truck by the exterior and decide if they want to check out your menu.

What to Include in a Food Truck Wrap Design

While the possibilities are nearly endless, food truck wraps should include a few key elements:

  • Color: If you want to stand out from other cars and trucks, you should use bright colors throughout your design. You can make important details, such as your logo or name, more striking by using contrasting colors from the background.
  • Style: Before you create a look for your truck, you need to decide on a style. It can be casual, formal, playful or whatever fits your business. If you’re serving a certain type of regional food, you can either portray it as authentic or modern. For example, a French-inspired bakery food truck might lean more towards a classy, authentic look, while one serving fresh seafood might opt for a brighter, more casual appearance. Settling on the attitude you’re trying to convey before designing will help you make decisions and keep it cohesive.
  • Logo: Include your logo, and make sure it’s large and bold enough to see from a distance. Placing it on either side of the truck and the back will provide the best visibility possible. You want customers and onlookers to remember your logo and business name more than anything else.
  • Contact: Including your phone number, email, website or any social media pages on your truck is a must. Customers should have a way to contact you, find your business and follow you on social apps. Your business will also seem more trustworthy and well established if you have a strong online presence.
  • Patterns: Using patterns can create a unique appearance. A pattern can consist of anything from bold lines to stylized images. Whatever you choose, it should match the theme of your menu. For example, if a food truck is selling seasonal summer items, it makes sense to include patterns like brightly colored stripes or alternating images of suns, flip-flops and other hot-weather items around the sides.
  • Point of interest: While it isn’t an essential part of your design, having a point of interest can be a benefit to your business. It could be a creative sign, truck mascot or image that encourages customers to take photos. If you have a display worth sharing on social media or with friends, you’ll get an organic advertising boost and create a memorable experience.

Well-planned food truck wraps do more than look great. If your exterior design can portray what your business is, what it sells and the level of quality at a glance, it will help your food truck succeed. Some of the many benefits of vinyl wrapping in the food truck industry include:

When it comes to running any kind of food business, first impressions matter. From the style to the menu, you have a limited window of time to catch your customer’s attention before they move on to a different option. For food trucks, this window of time is short, especially in busy cities where the competition is high.

Think of your exterior design as a way of introducing your business. If you were to pitch your food truck to a potential customer, you’d typically mention the company name, what you serve and why they should try your menu. However, like all restaurants, you can’t sell your concept personally to every interested visitor. Vinyl wrapping takes care of the first impression for you, conveying everything a customer needs to know in seconds.

With the right details included, people walking or driving by should be able to get the gist of what your food truck is selling. Including a quick word or two about the sourcing or preparation methods can say even more. For example, adding details like “caught fresh” or “locally sourced” will help you market to the health and environmentally conscious.

Your design should have enough for an accurate portrayal without being crowded. Using vinyl wrap allows you to put together a design plan for exactly what you want and print it, so you can get the perfect layout on all sides of your truck.

Food trucks are always on the move, making their external designs one of their best forms of advertising. Even when you aren’t serving, your truck can catch the attention of potential customers. Vehicle wraps are one of the most efficient forms of advertising, reaching a higher number of consumers at a lower cost than every other form. If the design is memorable enough, it can convince passersby to try your food.

Since your business is completely mobile, you’ll have the advantage of exposure to all demographics. Countless people will pass your truck on busy streets and sidewalks, even while you’re driving. Full vehicle wraps with a well-placed logo or name can spread your brand faster than any other form of food truck advertising. Taking advantage of the open space on your truck is an excellent marketing move.

If your design is particularly artistic, you may even be able to turn your truck into a photo op. With a fun pattern, slogan and social media hashtag, you can turn part of your vehicle into a backdrop. People can pose with their food or take a snap while they’re waiting to be served. If you include it in your design, you’ll have the added exposure of organic social media posts. You can take it further by connecting with those posts and running contests for the best picture — maybe even offering the winner a discount or free item.

A vinyl wrap will protect your food truck's finish.

One of the largest expenses in the food truck industry is the vehicle itself, next to keeping a sufficient stock of ingredients. From performing maintenance checks to making sure your appliances are all in working condition, you need to put a lot of time and effort into keeping your truck in tip-top shape. But you also have to consider the exterior of the vehicle.

Over time, your truck can become susceptible to rust, bubbling paint, stains, scrapes, scratches and other forms of surface damage. Some of these superficial eyesores can evolve into larger structural issues, especially rust. If water gets under the paint of your vehicle, it can begin to form rust that eats away at the metal underneath. Also, your customers will judge your food truck by its exterior. You don’t want blemishes to deter your business — but they just might.

A vinyl wrap does more than brand your truck. It provides a layer of protection over the finish, defending your paint from staining, minor scratches and scrapes, rust and other forms of surface damage. The vinyl can last for years, depending on the climate in your area and whether or not you properly maintain it. Also, the adhesive doesn’t harm your vehicle’s paint or finish, and you can strip the wrap off and replace it at any time.

Protecting the finish on your truck means:

  • It’ll have a higher resale value if you decide to replace it.
  • You won’t have to pay for a repaint in the near future.
  • It’s less susceptible to surface damage and will look more appealing to customers.

When it comes time to make changes to your truck’s design, faster and simpler processes mean you spend less time off the streets. From conducting a full rebrand to freshening up your style, staying up to date is essential. If you have to have an entire food truck repainted, it can be expensive, time-consuming and you may not get the exact results you want. Spending time waiting for a detailing job means losing time and money.

Vinyl wrap is easy to remove and replace. With the help of a professional, you can design, print and apply your new look fast — no need to wait for drying paint or intricate detail work. Even if you have a detailer change your truck’s appearance multiple times, the vinyl adhesive won’t damage the finish. If you want to sell the truck and upgrade, all you have to do is remove the vinyl rather than have your truck repainted.

Running a food truck can be a challenging job. But with a well-designed vehicle, you can encourage success. SpeedPro will help you create and apply food truck wrap graphics that’ll make you stand out.

With our nationwide network of studios and professional staff, SpeedPro will assist you every step of the way. We’ll help you create your food truck design, ensure the project fits your advertising budget and print it on to vinyl sheets for application. You’ll have access to industry-leading products and top-quality printing, so your design will last as long as you want it to.

To get started with a consultation and quote, find your local SpeedPro studio for the best food truck wrapping near you.

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Joe McInnis

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Insurance execs urge industry to embrace tech

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Street Talk – Episode 69: Banks left with pockets full of cash and few places to go

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Amid Q1 APAC Fintech Funding Slump, Payment Companies Drove Investments

Insurance execs urge industry to embrace tech

Disruptionsfrom technology could change the corporate landscape of the insurance business inthe coming year, industry professionals said during the RIMS Annual Conference inSan Diego.

Addressinga question about the challenges from the digital age, Lloyd's of London CEO IngaBeale told a group of attendees that she thought underwriting is among the jobs"most likely" to be replaced by artificial intelligence.Beale conceded she was "verysad to say" that human underwriters would probably disappear as she has workedas one over the course of her career.

Bealeduring a forum for senior insurance executives noted that a recent study found thatnearly three-quarters of industry professionals expect challenges from financialtechnology. But despite those challenges, Beale believes insurers should embracethe technology and use it to tailor its products to better meet customer desires.Customers want more choice in coverage and how it is delivered, and they preferusage-based products so that they are not paying for things they do not use, sheexplained.

"Thatmeans we've got to start using data … and work on how to capture data so that wecan deliver things that our customers want in the future," Beale said.

Insuranceindustry adviser Grace Vandecruze said the industry is run inefficiently becauseof its reliance on legacy technology that badly needs upgrading to adapt to thingslike mobile communication. Disruption could be so great that, 20 years from now,the biggest companies in the space might not be any of today's major players, saidVandecruze, who founded and serves as managing director of consulting firm GraceGlobal Capital.

"Thelargest insurance company might come from brand new entrants into the market thatdon't carry with them the legacy technologies and that find ways to sell insurancein the most efficient way possible," Vandecruze said in an interview.

Sucha future heavyweight could be a Google-based company, she said. Her view is nota novel one either. In a recent survey of insurance executives, many corporate leaderspointed to Google a potential threatto their operations because of the tech company's store and proficiency with userdata.

Vandecruzecited New York-based Oscar Healthas an example of a startup that has leveraged technology to deliver innovative insurance.

"It'scompanies like Oscar thinking, 'How can we sell to an emerging, upwardly mobileinsurer at a lower cost?'" she said.

Duringthe senior executives forum, AIG Americas President and CEO Robert Schimek soughtto reassure college students in the audience that the business is a good one inwhich to seek careers despite challenges from technology.

"Ithink what we could really do for this industry is get you focused on the thingsthat really add value and get you out of doing the day-to-day monotonous work thatcomes with data entry," Schimek said.