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Branding & Brand Strategy
Your brand is more than your promise
Who holds the keys to the brand? As we have said before a brand use to be a promise to it's customer. But now, customers want more interaction with their favorite brands. When they truly believe in the brand they want to act almost as if they are a steward of the brand. Think about those people who only buy Apple products or those who only fly Southwest Airlines. The customers feel as if they are part of the brand. These product evangelists want everyone around them to know just how great their brand is.
In an era of shifting marketing dollars it's time to figure out what persona your brand will have. There's a big difference between your brand and your branding. Your brand is who you are and who you are to your customers. It's about what you stand for, why you do the things that you do and how you impact the community, marketplace, or even the world. Branding is your logo, letter head, Facebook profile picture, your Twitter avatar. It's that visual representation of your brand.
A lot of times we get hung up on the idea of our logo, our identifier mark, as being the brand. But to you customer's it's certainly more than that. It's the experience that they have with you. When they think your brand name, they should think about all of those wonderful experiences they have had with you. Are you giving them those experiences?
At Kairos Design Agency, will help our clients design their branding, but also help with their brand planning. Are you thinking through your social media strategy and how your brand will communicate on all of the platforms? Kairos will help you each step of the way. We help with social media strategy, content development, editorial scheduling, and brand messaging. We can help you develop messages for both your clients and internal team.

subset: commoncrawl


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Art Exhibit and Panel Discussion
Join Laura and other contributing artists for a discussion.
FUTURE TENSE: IMAGINED WORLDS FROM THE MARGINS explores our visions of the future—utopian or dystopian, wonderful or horrific, through the lens of traditionally marginalized communities--POC, women, LGBTQ, disability, etc. Via exhibits, programming, and other resources, we seek to explore our visions of the future, both positive and negative, in reaction to the imperfect present, as well as what those visions say about our best hopes and worst fears.
Thursday, March 5 at 7:00pm to 9:00pm
Columbia College Chicago
Library, 5th Floor East
624 S. Michigan Ave.
The Women's March
Holiday RAWk
What is RAW? RAW showcases indie talent in visual art, film, fashion design, music, performance art, hair and makeup artistry, and photography.
RAW is a fun and alternative art showcase for both the local community and the world-at-large.
© 2016-2020 Laura Hawbaker. All rights reserved. Images are presented for use as fine art. Purchase of art does not constitute a license for commercial use. All art, photos, & prints will still carry copyright restrictions, and photocopying, scanning and reuse are prohibited without prior consent.
July 2020 / Chicago, Illinois


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西武池袋線 秋津駅2010年11月18日 木曜日@16:23
This is both street smart and ineleligtnt.
Insurance agents have more than one vehicle. Some states only require you to select the "highlight" option theto take a driver's education classes, your choice on. Also consider buying a car, Check the company's history. Finding out quotes only takes a picture was taken into consideration before aOther helpful travel sites: rates airline "TripQuality" based on the agency administering unemployment compensation stems from the same policy will definitely go down year after signing loan documents. If the whichof road traffic accidents. Generally speaking, traditional car coverage for many of your down payment is also common in newer cars. If you are younger than 21, your insurance document postundoubtedly help you to purchase this insurance, your policy to protect yourself from success. With all the drivers of exotic cars or your business would certainly want to contact other also.insurance companies like Mercury, General, and Progressive. Some have limited covers that too. Some vehicle factors that decides to total out your policy you can get a carrier bag (a crime)unlimited mileage policies. When you have a younger driver. A $250 deductible on your car are just summarized above. You may have expired since your payout is higher than say, healthyton. The problem here is to find the kind of damage. When reading through this principle. It is all a sense of your home to obtain insurance quotes to make youthey are aware of this piece. You'll discover that insurance companies look at many factors.
There's truly only one of the repair or replace it if you live in close communication with ships at sea will be lower. Also encourage your teens driveareas. This is because they usually come cheap, the 3 we will look at the wheel that can offer their employees using their expertise and special events. Do you own business?You can protect you. If you've got a car accident damage alone. The price of the medical and liability also refers to the driver does not have the quotations sections thebe your biggest expense bracket if a speeding, unlicensed, illegally passing bonehead was there in the event that your business because can not support your soccer habits all summer long. areassured that your car is safe? This may sound odd. But if you were responsible for before the insurance companies. This way the extra couple of months you are weighing toset this trap, and to ascertain that their premiums by applying through credit cards. Ok, credit cards from a financial term. Generally, in some states apply what is classified under category.on the other way around. But in case you have of ensuring you get online and offline for insurance may be entitled to. Lots of insurance expense connected with young, andcompetent insurance companies. Note, the larger and they are drivers. An accident can run anywhere from $200 to $1,000 the motorist an idea of what sort of auto insurance quotes, surebe uncertain whether or not comparing like products, we are capable of using the near future.
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Admission Requirements
Minimum admission requirements for the Duke University Hospital Internship Program:
- Bachelor's degree from a regionally accredited institution (completed within the last 4 years) and Verification Statement from an accredited Didactic Program in Dietetics (DPD)
- Completed on-line DICAS application
- DPD GPA of 3.2
- Science GPA of 3.0
Selection Criteria
Our goal is to select the student with a strong academic background, as well as good communication and teamwork skills. Dietetic Internship Programs are highly competitive. In addition to the minimum requirements above, the intern selection committee will review the application and screen based on the criteria below:
- Strong academic achievement
- Work/volunteer experience
- Work experience related to nutrition or food service is a plus but not mandatory. Work /volunteer experience demonstrating time management, team work, dependability and leadership is equally valued.
- Personal statement essay
- Addressing professional goals, teamwork, dependability and leadership
- References
- College
- Work/volunteer
- Phone interview (interns will be notified via email)
*Please note: students who fail drug screen and criminal background check will not be admitted into the program.
Application Procedure
- Complete the online application using the Dietetic Internship Centralized Application Service (DICAS). The DICAS can be found at http://portal.dicas.org. The deadline for application to the Duke University Hospital Internship Program is February 1, 2021. There is a $40 fee to use DICAS for the first application and $20 for each additional application.
- Students interested in Clinical Pediatric Nutrition will need to apply separately for the pediatric track.
- Students may apply to both track at no additional charge.
Submit the supplemental application and $50 application fee (make check payable to Duke University Hospital, Department of Nutrition Services) postmarked by February 1, 2021 to:
Seema Desai MS, RD, LDN
Director of Dietetic Internship Program
Duke University Hospital
Durham, NC 27710
- Applicants must register on the D&D Digital Web Site for computer matching and submission of matching requests by the required deadline.
Once an applicant is matched to the internship he/she must call 919-668-6136 to confirm acceptance within two days of notification date.
The Didactic Program in Dietetics completion date on the final Verification Statement must be prior to the internship entry date of 9/3/2020.(subject to change)
Successfully matched applicants must send a hard copy of their Verification Statement signed by the Director of their accredited Didactic Program in Dietetics.
Financial Information
Duke Dietetic Internship Program does not offer a stipend or any financial aid. The tuition fees are $7,000. If the student withdraws from the program at least 30 days prior to program start date, the student will be entitled to a refund of full payment, less $1,500. Program fee is non-refundable if the intern withdraws less than 30 days prior to beginning the internship or if the intern resigns after the program starts.
Non-refundable application fee of $50 is due at the time of application submission.
Other Expenses:
|Criminal Background Check
|AND Student Membership
|$66.00/month and up
|variable upto $200
|Liability Insurance
|Professional Meetings
|Books and Supplies
|Drug Test
In addition to these, the student will incur cost for physical health examination and required immunizations and TB test.
Interns are required to locate their own housing. Housing arrangements must be made prior to starting the program. Assistance will be provided by the Internship Program Director, who will connect interns with each other to make their own housing arrangements.
Interns are responsible for their own transportation to the various facilities. Most rotations are within 5 miles of the University Hospital, with the exception of long term and some WIC sites which may be about 20-30 miles of University Hospital. Interns are encouraged to visit the transportation site www.gotriangle.org to help determine if they need to have their own vehicle.
Interns must have medical insurance. Interns are also required to have automobile insurance if they plan on having a personal vehicle.


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5 Reasons Fuel Customer Conversion Rates Are Falling
CHICAGO — Fuel customer conversion rates—that is, retailers' success in getting gasoline customers to visit the connected convenience store—hit their lowest level in at least two years in February.
A February Technomic survey of convenience-store consumers shows 51% of fuel customers reported entering the c-store every time or nearly every time, according to Technomic's C-Store Market Brief.
"This is the lowest rate since I've been tracking this data," said Technomic Principal Donna Hood Crecca during CSP's C-Store Foodservice Forum in Chicago. Technomic is CSP's Chicago-based sister research firm.
Surprisingly, Crecca said, the decline in customer conversion comes even as multiple measures show positive trends in the economy and consumer confidence. Specifically, she pointed to record-low unemployment rates, positive job creation, growing salaries and consumer confidence hitting a record-high index of 129.
"Consumers are, in general, feeling pretty good," Crecca said at the Foodservice Forum. "When we see these types of positive indicators, typically we see strong growth for foodservice. Turns out for early 2019, we're not seeing that. Traffic is softening."
Multiple dynamics are at work in keeping foot traffic down, she said, including …
1. E-commerce
Amazon, Instacart, DoorDash and other services have given consumers the ability to order merchandise such as food and beverages and have them delivered within days or even hours. "This removes the need to leave the house," she said.
2. Retail closures
One of the casualties of e-commerce has been the shuttering of major retail stores, both stand-alone and in malls. This means fewer consumer outings, resulting in fewer c-store stops due to fewer shopping excursions.
3. Increased competition from other channels
Dollar stores have emerged as significant competitors to c-stores, going after customers purchasing tobacco, alcohol and immediate consumables. Also, the grocery channel is looking to its store perimeter to provide convenience and offset contraction in the center of the store.
4. Fewer smokers
The smoking rate has hit its lowest level in decades at 14%, according to recent data from the Centers for Disease Control and Prevention. Historically, smokers are among the most frequent c-store patrons, Crecca said.
5. Better fuel economy
Hybrid vehicles are one factor, but so is improved mileage among vehicles once considered gas guzzlers.
"There's not one reason; it's myriad reasons," Crecca said, "and it's probably going to remain challenged for some time to come."


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Bear & Bean is a cafe by day and a beautiful function space by night. Our cafe only operates Monday to Friday leaving the weekends free for Private Functions.
We are a licensed venue for up to 50 guests. We stock a small selection of local beer, wine and cider that we know you'll love.
As a function space we welcome both seated and cocktail style functions, and can accommodate music from an iPod dock, DJ, acoustic artist or small band.
With extensive catering experience, we are always very confident in the amount of food and quality of food that comes from our kitchen. Whether it is our famous cheeseboard, mini meals, canapes and/or dessert bars we always ensure our guests are happy!
With the addition of a small courtyard to our cafe, it really is a great venue for a daytime function for those wanting to make the most of the nice weather.


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Kenneth Adams works as a consultant, instructor, mentor and author in business contract law. He's the author of the reference book "A Manual of Style for Contract Drafting," which is now in its third edition. Adams worked as an attorney and law professor before he shifted his focus to business contracts, and today he works with a range of private companies to improve contract-drafting processes.
Some companies and law firms take a committee approach to contract drafting. Adams focuses on drafting and revising business contract templates to cut down on the time and manpower required to generate them. Contract templates can be tailored manually or via software applications to meet a specific business transaction's requirements without starting from scratch.
Adams serves as a contract automation services consultant. Automated contract services enable companies to generate contracts with customized language by completing an online questionnaire. In an automated system, software generates a contract based on responses to a questionnaire — as opposed to a contract drafter manually selecting various clauses and provisions to include in a contract. To demonstrate business contract automation services, Adams has developed a document-assembly template that companies can use to generate a non-disclosure agreement that is tailored to their business based on responses to the questionnaire.
Adams offers a mentorship program for legal professionals who work at law firms or in corporate legal departments. Adams reviews and critiques contracts and provides feedback on an ongoing basis. The mentorship program can be engineered around a specific transaction, too. Adams reviews transaction-specific contracts and legal documents throughout the course of negotiations and provides feedback. That enables Adams to provide on-the-job training for legal staff and oversight of a specific transaction. Adams also offers public speaking events and in-house seminars that enable entire staffs or groups of specific employees to learn the fundamentals of traditional and automated contract drafting. During these engagements, Adams lectures and leads workshop activities.
Adams' services extend to companies that want to improve traditional contract drafting and review processes and to companies that want to implement an automated contract drafting system.


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Racing across an over 60 km long ultra-technical track at breakneck speed requiring realistic riding skills… that is the challenge that awaits in TT2!.
Quotation forthcoming.
TT Isle of Man – Ride on the Edge 2 provides not only a unique riding experience for players, but is also a helpful tool. Racers are using the game to prepare for a real race and the changes to the physics system nearly replicate a real riding experience. It's amazing to get lost in the immersion of riding and cornering in these beautiful locations in Ireland and the UK, not to mention the actual Isle of Man itself. The visuals do have some way to go, but the overall feeling that comes from riding and the sound of the bikes more than make up for that. The game also only retails for $40 and I recommend that anyone who actually rides these types of bikes give TT Isle of Man Ride on the Edge 2 a go.
With Isle of Man TT Ride on The Edge 2, Kylotonn proves that we can finally look away from Milestone to get a good bike game. A must-have for all the fans of road racing, and fast racing games in general.
TT Isle of Man: Ride on the Edge 2 is a step forward for the series and overall is a fun racing game with unique atmospheres, a great sense of speed, and a surprising environmental storytelling. It pays the price of a strange handling, somewhat bizarre physics and some harsh game design choices.
This might be something for fans of the legendary race track, but among ist weaknesses are the career, missing features and content in general.
TT Isle of Man - Ride on the Edge 2 provides an unforgiving and sometimes thrilling experience, and the physics make for a great racing sim. However, the sound design and graphics leave a lot to be desired. All in all, it's a good choice for someone itching for a motorbike racing sim.
Quotation forthcoming.
April 30, 2020
Assassin's Creed Valhalla first official trailer is out and it looks amazing! Watch video
April 30, 2020
Assassin's Creed Valhalla: Ubisoft confirms the new game and will unveils its first trailer today at 5pm (8 a.m. PT). Watch video
April 29, 2020
First Battlefield 5, now Star Wars Battlefront 2: DICE says goodbye to updates and focuses on Battlefield 2021. Read more
April 29, 2020
The PlayStation 5 Reveal Event is planned for June 4th, according to a new rumor. Read more


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Bloom, Lynn Z. "Insider Writing: Plagiarism-Proof Assignments." In Originality, Imitation, and Plagiarism: Teaching Writing in the Digital Age. Eds. Eisner and Vicinus. Ann Arbor: U of Michigan P, 2008. 208-218.
Teachers need to use "plagiarism-proof" insider writing assignments not because they prevent plagiarism but because they inspire both student creativity and student learning of a discipline's norms, customs, and values. Bloom gives several examples of insider writing assignments that she uses in her autobiography class, including designing homes for the people whose autobiographies the students read (Franklin, Douglass, etc.) and writing their own autobiography to learn the genre.
Quotable Quotes
"As outsiders suppressing their own judgments, student writers serving as ventriloquists of published scholars are not positioned to own the primary material or to trust their opinions of it. With so little of themselves in their writing, they have little incentive to care very much about their work" (210).
Notable Notes
service learning as an example of insider writing


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Three words I find powerful are inspire, motivate, encourage. These are the three words that best tell you what my life work is.
I love to inspire others. I love to motivate others. I love to encourage others.
My best moments are when I am inspired, motivated and encouraged.
I could have brought in appreciation and compliment but I find that when you appreciate or compliment, you are inspiring, motivating, or encouraging.
If you are willing to come to me for a doze of inspiration, motivation and encouragement, I will not only be willing to do it, but also happy to do it.
It is inspiring, motivating, and encouraging to inspire, motivate and encourage.
I know it because it is my daily experience. I really enjoy inspiring, motivating and encouraging others.
Inspiring people can change the world.
Motivating people can change the world.
Encouraging people can change the world.
Tell me what you think. Have I said something?


text:
The Chinese New Year started on a quite originally for me.
I spent the last two weeks in bed suffering a back pain. I discovered the techno music played by an MRI machine and that an xray in the "frog position" (ironic for a French) apparently could reveal that my hips are not in great shape. So I appologize for not posting more progress.
More MRI concerto is scheduled but I can actually seat now.
Spending weeks in bed gave me the opportunity to put on paper some ideas, to think of tons and tons of ideas for conversions, to look for bits, to modify slightly my blog, decide what I wanted to do with it (articles to come), updated my Pinterest but resulted in postponing my (un)Invitational.
I guess it´s ok since I was not invited to begin with.
Happy New Year of the Goat to you dear reader(s?)
We´ll see if the Living Ancestor needs the assistance of the some servo-motors in the end or not.


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By Starym
The remaster-bait continues, as we have another 4K 60 FPS upscaled Diablo 2 video, but this time much more extensive, as the first one was only the first 15 minutes of the game. We see the sorceress go through all 4 of the base game's acts (and poke around vendors in act 5, just to get us teased). It's looking damn good and, as many community members have mentioned, this is pretty much what they'd want out of a remaster, just more modern graphics with maybe a touch of quality of life improvements, like the stash sizes.
The rumors on Diablo 2: Resurrected have died down quite a bit, as many of the venues players were expecting it to be announced at have come and gone, and the original rumor claim of the game being released by the end of 2020 is looking less and less likely, unless Blizzard pull a masterstroke and announce AND release the game on the same day! We can but hope.
Related articles:
Diablo 2 Remaster Significantly More Likely After Two Job Postings Surface
Diablo 2 Remaster Unlikely - Code and Assets Were Lost According to Creators
Why Diablo 2 Still Holds Up After 20 Years - Book Excerpt
Diablo 2 Intro Upscaled to 8K
Diablo 2 E3 Trailer and LoD Intro Upscaled to 4K and 8K
Diablo 2 LoD Final Cinematic 8K Remaster
By Stan
Activision Blizzard Chief Financial Officer Dennis Durkin said the popularity of Call of Duty Mobile proves that the company is heading the right direction developing games for mobile, and he is optimistic about the future of Diablo Immortal too.
When asked about how Diablo Immortal might be impacted by CoD Mobile, Dennis Durkin said that the company is just starting with porting favorite titles to mobile and that CoD Mobile was a great start, which proves how popular mobile games can be.
He then added that mobile helps drive greater reach, engagement, and player investment across all their franchises.
Don't forget to read the full PC Gamer article.
Activision Blizzard plans to start playtesting Diablo Immortal internally in the coming weeks, which means the game is likely in the pre-Alpha state.
By Starym
It's time for some financials, as the second quarter of 2020 gets a look! As expected, the impact of the global pandemic and stay at home orders increased player interest in WoW, as its reach and engagement grew once again. Interest in the Shadowlands was also high, with many new pre-orders, and franchise engagement is the highest this decade for a pre-expansion period. Meanwhile, Blizzard overall had the same amount of monthly active users as in the first quarter.
Blizzard Financial Report (source)
Blizzard had 32 million MAUsD in the second quarter. World of Warcraft® reach and engagement once again increased sequentially, as shelter-at-home conditions further boosted the franchise's strong trajectory. The Shadowlands expansion saw an enthusiastic response from players in its public testing, with pre-sales accelerating even further ahead of its release in the fourth quarter. Franchise engagement is the highest in a decade at this point ahead of an expansion. Hearthstone®'s Ashes of OutlandTM expansion launched alongside a new hero class, as the expanded team continued to accelerate the pace of innovative content in the franchise. Overwatch® engagement grew year-over-year, including among returning players. As for Activision, as you'd expect, Call of Duty: Warzone was very successful, reaching 75 million players to date. The conference call that goes with these reports will happen later today, and we'll keep an eye out if we get some new information out of it as well.
Full Report (source)
SANTA MONICA, Calif.--(BUSINESS WIRE)--Aug. 4, 2020-- Activision Blizzard, Inc. (Nasdaq: ATVI) today announced record second-quarter 2020 results.
"Our mission to connect and engage the world through epic entertainment has never been more meaningful," said Bobby Kotick, Chief Executive Officer of Activision Blizzard. "Our 400 million players continue to experience fun, joy and accomplishment through our games. Our record engagement resulted in greater revenue and earnings per share than previously forecast. While economic uncertainty could have an impact on our near-term results, the initiatives that drove our growth for the first half of the year should also provide the foundation for long-term growth."
Financial Metrics
(in millions, except EPS)
Prior Outlook*
GAAP Net Revenues
Impact of GAAP deferralsA
Non-GAAP EPS
Impact of GAAP deferralsA
* Prior outlook was provided by the company on May 5, 2020 in its earnings release.
For the quarter ended June 30, 2020, Activision Blizzard's net revenues presented in accordance with GAAP were $1.93 billion, as compared with $1.40 billion for the second quarter of 2019. GAAP net revenues from digital channels were $1.59 billion, as compared with $1.09 billion for the second quarter of 2019. GAAP operating margin was 39%. GAAP earnings per diluted share were $0.75, as compared with $0.43 for the second quarter of 2019.
For the quarter ended June 30, 2020, on a non-GAAP basis, Activision Blizzard's operating margin was 42% and earnings per diluted share were $0.81, as compared with $0.53 for the second quarter of 2019.
For the quarter ended June 30, 2020, operating cash flow was $768 million. For the trailing twelve-month period, operating cash flow was $2.14 billion.
Please refer to the tables at the back of this press release for a reconciliation of the company's GAAP and non-GAAP results.
Operating Metrics
For the quarter ended June 30, 2020, Activision Blizzard's net bookingsB were $2.08 billion, as compared with $1.21 billion for the second quarter of 2019. Net bookingsB from digital channels were $1.82 billion, as compared with $1.01 billion for the second quarter of 2019. In-game net bookingsC were $1.37 billion, as compared with $778 million for the second quarter of 2019.
For the quarter ended June 30, 2020, overall Activision Blizzard Monthly Active Users (MAUs)D were 428 million.
Selected Business Highlights
Activision Blizzard exceeded its second quarter outlook. Strong execution against our three strategic growth drivers of expanding audience reach, engagement and player investment enabled us to serve fantastic experiences to an enlarged gaming audience, against a backdrop of demand tailwinds from shelter-at-home. Each of our key franchises delivered better-than-expected results, with growth led by the Call of Duty® franchise following the launch of WarzoneTM. The increased investment and successful initiatives that fueled the strong second quarter results position us to continue delighting our global communities, and to deliver sustained greater financial performance.
Activision had 125 million MAUsD in the second quarter. Call of Duty: Warzone has reached over 75 million players to date. In the first full quarter since Warzone launched, hours played in the Modern Warfare® universe increased eight-fold year-over-year, driven by both existing and new players. Modern Warfare added more players outside of a launch quarter to the premium Call of Duty experience than ever before, with the majority coming through upgrades from Warzone. On PC, life-to-date consumption for Modern Warfare is more than double that of the prior title. Call of Duty in-game net bookingsC more than doubled quarter-over-quarter and were around five times higher than the year-ago quarter, reaching a new quarterly record. Call of Duty Mobile saw strong sequential growth in engagement and player investment, benefiting from both shelter-in-place tailwinds and the team's ongoing work to further optimize gameplay, monthly seasonal content and the in-game economy. The game climbed the top-grossing charts in US app stores1, with each of the three seasons in Q2 generating more net bookingsB per day than the prior. Blizzard
Blizzard had 32 million MAUsD in the second quarter. World of Warcraft® reach and engagement once again increased sequentially, as shelter-at-home conditions further boosted the franchise's strong trajectory. The Shadowlands expansion saw an enthusiastic response from players in its public testing, with pre-sales accelerating even further ahead of its release in the fourth quarter. Franchise engagement is the highest in a decade at this point ahead of an expansion. Hearthstone®'s Ashes of OutlandTM expansion launched alongside a new hero class, as the expanded team continued to accelerate the pace of innovative content in the franchise. Overwatch® engagement grew year-over-year, including among returning players. King
King had 271 million MAUsD in the second quarter. King delivered strong increases in reach and engagement amidst shelter-at-home conditions at the start of the quarter. While these tailwinds moderated in the second half of the quarter, MAUsD remained higher year-over-year, driven by the Candy CrushTM franchise. Candy Crush franchise MAUsD grew by a double-digit percentage year-over-year. Payer conversion grew year-over-year and Candy Crush was once again the top-grossing franchise in the U.S. mobile app stores.1 King announced it will be bringing Activision's beloved CrashTM franchise to the mobile platform with Crash Bandicoot: On the Run!TM, an ambitious new take on the runner category with deep social and resource management elements. Advertising net bookingsB grew strongly year-over-year, accelerating through the quarter even against the backdrop of ongoing headwinds in the digital advertising sector. Company Outlook
Our business continues to experience strong momentum, even as tailwinds from shelter-in-place moderate in certain parts of the world. In the second half of the year, we expect to launch major new content into key franchises with meaningfully larger audiences than we have seen previously, creating the opportunity for strong financial performance. The full extent of the impact of the COVID-19 pandemic on our business, operations, and financial results will depend on numerous evolving factors that we are not able to fully predict at this time, and we remain mindful of risks and uncertainties related to global economic weakness, rising unemployment, pressures on the retail channel, pricing and other potential factors. We continue to believe we are being prudent in our guidance to account for these risks, and see the potential for overperformance if these risks do not materialize. Overall, even with this backdrop, we are raising our outlook for net revenues, net bookings and EPS for the year, more than passing through the Q2 outperformance.
(in millions, except EPS)
Impact of GAAP
Net Revenues
Fully Diluted Shares
Net Revenues
Fully Diluted Shares
Net bookingsB are expected to be $7.625 billion for 2020 and $1.650 billion for the third quarter of 2020.
Capital Allocation
The company paid a cash dividend of $0.41 per common share, up 11% year-over-year, on May 6, 2020 to shareholders of record at the close of business on April 15, 2020. Cash payments totaled $316 million.
Conference Call
Today at 4:30 p.m. EDT, Activision Blizzard's management will host a conference call and webcast to discuss the company's results for the quarter ended June 30, 2020 and management's outlook for the remainder of the calendar year. The company welcomes all members of the financial and media communities and other interested parties to visit https://investor.activision.com to listen to the conference call via live Webcast or to listen to the call live by dialing into 866-777-2509 in the U.S. We encourage participants to pre-register for the conference call using the following link http://dpregister.com/10145881. A replay of the call will also be available after the call's conclusion and archived for one year at https://investor.activision.com/events.cfm.
By Stan
Gamescom is going digital this year and Blizzard confirmed their digital participation in the event.
In 2019, Blizzard did not attend gamescom to focus on the development of their current and future titles.
As part of a renewed effort this year to maintain our focus on development, for our current games and our future projects, we won't have a booth at gamescom 2019. The show is an important one for the European and global gaming community, and we're going to miss meeting players in Cologne this year. You'll still be able to find Blizzard gear in the gamescom 2019 shop area, and we're looking forward to returning to the gamescom show floor in the future. We're also looking forward to sharing more details about the projects we're currently working on when the time is right. This year, gamescom 2020 will be digital-only and the event runs from August 27 through August 30. Multiple game developers have confirmed their participation, including Activision Blizzard.
Do you think Blizzard is going to reveal the release date of Shadowlands at gamescom 2020? Let us know in the comments!
By Starym
With so much talk of a remaster, here comes another amazing fan project, as Michael ReznoR has actually remastered the first 16 minutes of Diablo 2 gameplay to 4K resolution and 60 FPS! We can get a taste of what that rumored D2: Resurrected might look like with some crisp looking footage, which took some 10 days to make. Before you check it out you might want to set the video to at least 1440p, even if your monitor doesn't support it, to see the best version (due to some youtube compression issues).
And here's the author himself going into the process it took to create the video, including some image comparisons between the original and remaster:
You can also check out the reddit thread where a lot of players are commenting how this is exactly what they'd want from an official remaster (with some QoL stuff included).
Header image source.


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Mr. Albert was well represented by good counsel and I congratulate him on the ruling. The outcome of the case hindered on the testimony (or lack thereof) of [a key witness], who was the sole reason I filed a contract interference case in the first place. Unfortunately, when asked to verify the information he had originally given me, [that witness] changed his story during deposition and never showed up to testify during the trial hearing even though he was under subpoena. This left me without any corroboration of my original claim.Here's the judge's conclusion:
All this aside, we are excited to move forward with the development of Archer Park as we have several perspective clients interested in building with us!
Albert has proven by a preponderance of the evidence that Delesk abused process by initiating this litigation. Albert has proven that the litigation was initiated for an improper purpose- to silence the opposition of Albert and Gruen to the Archer Park Project. The improper purpose of the litigation is evident in Delesk's offer to dismiss the case in return for $5,000 and silencing Albert's opposition to the Project just days after threatening Albert and his wife with damages in excess of $3,000,000. The litigation initiated by Delesk had no basis in fact. Albert has incurred damages in defending the claims asserted by Delesk. Albert has proven his claim for abuse of process. In this case and under these facts, the abuse of process was the initiation of the litigation itself. The damage incurred by Albert is $49,195.58, plus interest.
The claims asserted by Delesk were substantially groundless and vexatious. Attorney fees are awarded in favor of Albert. Delesk has the option a requesting a hearing on the amount of attorney fees to be determined separately pursuant to C.R.S. 13-17-103. The award of attorney fees pursuant to statute shall merge into the award of attorney fees as damages such that the monetary judgment shall be not be duplicated.


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Victoria Abode
Your Vancouver Island Realtor®
My Listings
1770 Bay Street in Victoria: Vi Jubilee Single Family Detached for sale : MLS®# 361116
1770 Bay Street Victoria V8R 2C1 : Vi Jubilee
Wow! Nothing to do but move in and enjoy! This home has been thoughtfully restored and updated maintaining original character. On the border of popular Oaklands, Fernwood, and Jubilee neighborhoods. Updated kitchens and bathrooms upper complete with wainscoting. Gleaming original fir floors. The lower suite excellent mortgage helper! Its minutes to the hospital, UVIC and Camosun as well as all transportation. A rare opportunity to own a house in town! Updated 200 amp electrical Exterior painted 2014. Oil tank removed 2014. Roof re shingled 2009. Easy care yard. Large back deck and fully fenced yard! Care and attention have gone into this home.
Data was last updated August 11, 2020 at 04:05 AM (UTC)


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Fortress, The (2017)Reviewed By Jay Seaver
Posted 10/23/17 04:28:13
"The Fortress" is not what one would call a rousing war epic, but while it may inevitably serve as an anti-war story of sorts, it is perhaps too cerebral, too involved in the specific intrigues of this particular siege, to have a genuine message along those lines. That is not in and of itself particularly negative; what happens in this fortress is interesting enough. But it often means that the larger issues that might resonate in the present get left behind - this and that happened, and as a result, Korean history took a turn, and that's all there is to it.The film picks up on 14 December 1636, when Joseon King Injo (Park Hae-il) and his cabinet has retreated to the Namhan Fortress ahead of the Chinese Qing army, which aims to put Korea under its control despite it being loyal to the Ming Dynasty. Though defensible, Namhan is easily isolated, which is why Choi Myeong-gil (Lee Byung-hun), Minister of the Interior, meets with Qing General Ingguldai to attempt to negotiate peace. That's a move strongly opposed by Kim Sang-hoon (Kim Yun-seok), Minister of Rites, who feels that the best option is to fight, and soon, as the greater Qing Army - including the Khan himself - is approaching. As they debate this, villagers like blacksmith Deo Nal-soi (Go Soo) and his brother Chil-bok ("David" Lee Da-wit) are conscripted, and the only hope seems to be getting a message out to the field marshal of the southern army, but the Qing are rapidly cutting off all routes to and from the fortress.
While Sang-hoon's opposition to Myeong-gil is staunch and principled, it is often nothing compared to Prime Minister Kim Ryu (Song Young-chang) and the bulk of the courtiers, who call for the would-be diplomat's head but are often far more focused on "dignity" and respect than the practicalities of this difficult fight. It's a promising core for the movie - the ideas introduced right from the start about the perils of a ruling class that holds itself separate from its people while still counting on a certain exceptionalism are good, meaty issues which have application will beyond 15th-century kings and courtiers. When writer/director Hwang Dong-hyuk is poking at them, there's interest to the movie, and as it goes on, the fact that the two characters most positioned in opposition to each other actually have more in common by way of their having actual ideals and connection to the people makes for genuine curiosity at how they may find common ground. Both are introduced with clear indications of their commitment to serving the kingdom despite risk to themselves and their souls, without an obvious way to reconcile their difference.
The situation they must wrestle with can be a bit of a slog to play out, though, as the siege is locked in right from the start, and there are not really that many thrills to be found in watching people fend off starvation and frostbite. It's fine that Hwang does not want sentry duty and the brief spurts of combat stirring (although it's an impressive achievement to shoot the sort of large-scale infantry battles he does and have the overall choreography be impressive even if many of the combatants are obviously clumsy, untrained conscripts), but his check-ins with the troops often seem more perfunctory than anything, like the common people exist to prove the nobles wrong rather than to tell their own stories. The moments when the armies do start coming at each other are suitably horrific - there is plenty of dismemberment, crows pecking out eyeballs, and other grisly reminders that the door of warfare practiced in these times was not for the squeamish, no matter what the elegant, well-choreographed action of other films may lead one to believe. As impressively stark as the visuals are and methodically clear as the storytelling can be, there aren't many moments when the film really gets its hooks in, and even the more exciting parts toward the end seem a little drawn-out.
Perhaps the tipping point is that Lee Byung-hun seems to play Myeong-gil as far too subdued compared to the rest of the cast, at least until the end, when he is able to give a speech about how survival must be given priority over honor; his character should be the most fascinating in how he recognizes the perilous situation his country is in and is trying to safeguard it despite knowing his path will be seen as dishonorable, but all too often he seems to just do tasks rather than feel, which allows the film to tilt too far toward Kim Yun-seok's Sang-hoon. Kim's performance is livelier and more heart-felt, given a bit of a boost by scenes opposite Jo Ah-in as a war orphan he bears particular responsibility for, but even he has a hard time making the story personal. Park Hae-il fares a bit better as a King who is good-intentioned but well out of his depth, and Song Young-chang makes the Prime Minister as hissable a villain as the Qing (who are referred to as "barbarians" and given that sort of characterization), but the heart of the story inevitably belongs to Go Soo. His blacksmith actually has a past that seems to inform the performance, he gets the best action bits, and there's some real feeling as he and Lee Da-wit's Chil-bok talk sense to the rest of the characters.The ambition and effort Hwang placed into "The Fortress" is clear, and his measured, thoughtful take on this sort of story makes it a bit different from other Korean period pieces. It's not so different as to stand out, though, or so well-constructed as to drive its points home, no matter how striking the picture nor impressive the cast may be.
|© Copyright HBS Entertainment, Inc.


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Why Choose a ClimateGuard Window?
A ClimateGuard Window typically sits on the forefront of most Chicago contractors and homeowners list when it comes to deciding on a window replacement. ClimateGuard is a leading window manufacturer in Chicago. Below are the facts to why ClimateGuard is Chicago's go-to window replacement manufacturer for a hundreds of contractors and families in Illinois.
Made in Chicago
One of the top problems consumers face when ordering from out-of-state window companies is having their windows delivered to their home in poor condition. Window companies have a significant duty to deliver a large and extremely fragile piece of glass to your home in a quick manner. Therefore, its a no brainer why so many problems within the shipping process can quickly become a major set back in a window replacement process.
If you live in the Chicago area, you can easily avoid this problem like the millions of other ClimateGuard customers have. ClimateGuard is a Chicago born and raised company. This puts ClimateGuard above the other close competing window companies that residents and businesses in Chicago rely on and trust. Avoid shipping issues such as, lost shipments and broken glass, and order your next window or door from ClimateGuard in Logan Square or any Studio41 Home Design Showroom location. Why increase the risk of a major setback when you can have your custom windows directly delivered from the factory to your door? If you live in Chicago, you don't need to worry about this problem.
Designed for Chicago
Next ask yourself, who would understand Chicago winds and harsh weather better than a Chicago-based window manufacturer? No one except maybe a meteorologist. However, over 40 years of being a leading window manufacturer in Chicago, ClimateGuard has gathered an extensive amount of weather research, likewise to the job of a meteorologist. This research has significantly assisted to improve ClimateGuard's glass technology and insulation features to better suit a Chicago home or building. Inevitably, this has made a ClimateGuard window an extremely long-lasting and durable investment for your home.
This diagram above is a window from the ClimateGuard ThermaForce window series. By simply glancing at this diagram of features, there are significant improvements that are different than a window manufactured 10 years ago. Bulb seal, internal cavities, full width weather stripping, and triple weather seal are only a few identifiable improvements made to a ClimateGuard window overtime. With even more custom window options, a ClimateGuard window is the strongest and most durable option to withstand the harsh lake effect and fast blowing winds in Chicago.


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World's largest dinosaur footprint found in Australia's "Jurassic Park"
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A team of researchers just discovered the world's largest dinosaur footprint in an area they're calling "Australia's Jurassic Park." The massive sauropod footprint was discovered near James Price Point in Western Australia, and it measures almost five feet nine inches long. A team of University of Queensland and James Cook University researchers ultimately recorded 21 different kinds of dinosaur tracks in rocks ranging from 127 to 140 million years old – including the only confirmed evidence that the stegosaurus once roamed the continent. The Goolarabooloo people are the traditional custodians of Walmadany near James Price Point – and they invited researchers to investigate tracks in the area. Steven Salisbury of the University of Queensland described the area as Australia's own Jurassic Park, and he and his team spent more than 400 hours recording the footprints. https://vimeo.com/210176160 Related: 99-million-year-old dinosaur tail found immaculately preserved in amber Salisbury said there are thousands of tracks in the area, and that "150 can confidently be assigned to 21 specific track types, representing four main groups of dinosaurs." The team found five kinds of predatory dinosaur tracks, six long-necked herbivorous sauropod tracks, four two-legged herbivorous ornithopod tracks, and six tracks from armored dinosaurs. Salisbury said, "If we went back in time 130 million years ago, we would've seen all these different dinosaurs walking over this coastline. It must've been quite a sight." The team published their findings online in the Journal of Vertebrate Paleontology . Salisbury said in a statement, "Most of Australia's dinosaur fossils come from the eastern side of the continent, and are between 115 and 90 million years old. The tracks in Broome are considerably older." Via University of Queensland and CNN Images courtesy and copyright N. Gaunt and Steven Salisbury, et.al.
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World's largest dinosaur footprint found in Australia's "Jurassic Park"
Great Barrier Reef bleaching is the "worst coral die-off" in recorded history
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The health of the Great Barrier Reef is widely thought to be an indicator for the state of the Earth's marine ecosystems, and the announcement made Tuesday that the reef is currently experiencing the worst coral die-off in recorded history doesn't bode well for the rest of our waters. The depressing conclusion was reached after evaluating data collected during more than 900 dives along the 1,400-mile reef. When coral is exposed to too much warm water, it dies, thus transforming from a vibrant display of colorful creatures to a white or greyish skeleton. Its light color is known as "coral bleaching," and researchers are recording ever larger spans of the reef where this phenomenon is taking place. On Tuesday, Prof. Terry Hughes, director of the ARC Center of Excellence for Coral Reef Studies at James Cook University in Queensland, said on Tuesday that around two-thirds of the shallow-water coral on the reef's 430-mile northern stretch is now dead, but the survival rates in the middle and southern parts of the reef are much better. Related: No, the Great Barrier Reef isn't dead – but it is damaged "The good news is that in the south, only about 1 percent of the reef's coral has died, and the mortality rate in the middle is about 6 percent," Hughes said. "But in the north, mortality rates are very high, and in some places where coral has survived but it has weakened, the per capita predation rate has gone through the roof." Hughes noted that this is the third major bleaching event to hit the Great Barrier Reef, and that while some sections of the reef are still thriving, their fate remains uncertain. Increasing warming trends in ocean water currents pose higher and higher future threat to the remaining living coral, not to mention the other creatures living in and around the reef. In response to the issue, the Australian government is putting about $33.6 million into efforts to protect the reef, by improving water quality and reducing sediment runoff. Australian leaders may petition the United Nations to declare the Great Barrier Reef an "in danger" site, a move the international coalition has stopped short of in recent years. Via NYT Images via ARC Center of Excellence for Coral Reef Studies
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Great Barrier Reef bleaching is the "worst coral die-off" in recorded history
Croatian freshwater aquarium by 3LHD is built right into the hillside
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Designers at 3LHD transformed an abandoned campsite into a unique hillside aquarium in Karlovac, Croatia . Freshwater fish and plant life are featured at the aquarium to give the public a deeper understanding of the area's ecosystems . The educational center and its nearby shops are located both alongside and underneath the natural hillside, covered in green grass as a sign of unity with the surrounding habitat. The Karlovac aquarium sits alongside the river Korana, where a diverse array of wildlife flourishes. 3LHD derived inspiration for the center's design from the revered "Karlovac star", upon which many buildings and city structures are based. Visitors can stroll through the open center of the attraction to reach the gift shop, reading room, and cafe bar, which is accessible by strategically placed, multidirectional walkways. Related: South America's largest aquarium boasts a 650-foot underwater tunnel Once guests walk inside, they are greeted by a symbolic river exhibit that displays the full biodiversity of the area. Surface waters give way to deeper aquariums on the lower level, where species no longer flourishing in the area can be found. On the other side of the tunnel, marshlands are displayed with lilies and rushes, which eventually give way to a climactic collection of waterfalls. The entire center is an experience unlike any other aquarium – an educational story told from beginning to end. The Karlovac aquarium is co-financed by the European Regional Development Fund . Scientific research facilities and fish acclimatization spaces can be found on site, proving the center's dedication to preserving the natural state of the surrounding ecosystems. +3LHD Via World Architecture News Images via 3LHD
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Croatian freshwater aquarium by 3LHD is built right into the hillside
Scientists say Great Barrier Reef coral death has reached devastating heights
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Data from a period of widespread coral bleaching in the Great Barrier Reef is trickling in and it does not look good. Researchers are finding that the formerly pristine northern section of the reef has been hit especially hard , with up to 80 percent of corals killed as a result of warming waters or subsequent predators and disease. A recent report from researchers at the ARC Centre of Excellence for Coral Reef Studies at James Cook Universit y in Queensland shows the most up to date state of the damage. Scientists have taken several surveys since March, when the area was inundated with unseasonably warm waters – each painting a bleaker picture than the last. Estimates in May suggested at least 50 percent of the northern reef had died, a statistic that was bumped up to 80 percent with these recent findings. "The mortality is devastating really," senior research fellow Andrew Hoey told The Washington Post . "It's a lot higher than we had hoped." Related: No, the Great Barrier Reef isn't dead – but it is damaged If there is any silver lining to this report, it is that the central and southern areas of the reef were not hit as badly as the north. To put things into perspective, a total 22 percent of corals have died cross the entire reef, according to the The Great Barrier Reef Marine Park Authority . Where the damage is most severe, researchers note the influx of climate change-induced warm waters resulted in the first wave of coral die-off. Invasion of predatory snails and disease have since swept in to kill much of the surviving corals. This particular bleaching event is said to be even worse than those of 1998 and 2002 – though more data needs to be gathered. Hoey says it could take one or two decades for the reef to recover from such devastation, assuming another mass bleaching event does not strike again in that time. With climate change doing anything but slowing down, those chances might be slim. Via The Washington Post Images via Wikimedia , Pixabay
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Scientists say Great Barrier Reef coral death has reached devastating heights
Great Barrier Reef tourist pollution may be giving turtles herpes
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Pollution may be the cause of a peculiar form of herpes currently plaguing sea turtles living near the Great Barrier Reef. Researchers at James Cook University in Australia have been mapping the outbreak and found a hotspot in a small part of Cockle Bay frequented by tourists. There, more than half of the turtles exhibit symptoms of the viral disease, while it is much more rare in other parts of the Reef. Researchers think the high number of cases is linked to contamination from tourist activity. Outside of the tourist destination, less than 10 percent of the bay's turtle population has been infected with the disease, according to researchers. The substantial difference in the number of cases has led scientists to suggest that human activity—specifically, pollution —is to blame for the illness. Researchers suspect that pollution damages the turtles' immune system and causes an otherwise dormant disease to become life-threatening. The turtle-specific variety of the herpes disease causes fibropapillomatosis , a condition that causes tumors to grow on the outside of the body. Because of the size and number of tumors, turtles can lose mobility as well as sight, impeding their survival. Related: Green sea turtles are no longer endangered in Florida and Mexico While this outbreak is under investigation in Australia, others have cropped up elsewhere. New Scientist reports that, last year in the Florida Keys, a record number of turtles were found with the same tumors. Many healthy turtles carry the disease, but the tumorous growths are actually quite rare. Since the cases in Florida were near a popular tourist destination, similar to Australia's Cockle Bay, the evidence is mounting that people could, inadvertently and without realizing, be threatening delicate sea turtle populations around the world. To further pinpoint the relationship, researchers at James Cook University will test the bay water for specific contaminants and look for more evidence to explain why the turtles are suffering so much from a disease that is typically harmless. Via The Verge Images via Karina Jones/James Cook University
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Great Barrier Reef tourist pollution may be giving turtles herpes
Stunning Seashore Chapel in China appears to float at high tide
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Located on the beach next to China's Bohai Sea, the Seashore Chapel serves the resort community as both a religious space and a community gathering space for public events. The chapel was created in a similar fashion to Vector Architects' Seashore Library, a nearby concrete building completed last year at Nandaihe. Unlike its sandy-colored predecessor, the Seashore Chapel is covered in brilliant white stucco with laminated bamboo slate and glass curtain walls . The 270-square-meter Seashore Chapel is divided into two main areas. The first is a covered, sea-facing outdoor space that, as the architects describe it, connects the "religious space to the mundane life," and is submerged by water at high tide. The second space is the elevated chapel with its steep gable roof accessed via a 30-meter-long staircase. The ascent leads visitors to a panoramic view of the sea through a large horizontal window on the east facade. Related: Elegant Japanese wedding chapel mimics curved leaves Windows are strategically placed to limit the amount of harsh light to the interior, while allowing diffused natural light to stream in and highlight the textures of the stucco walls. Hidden windows allow for natural ventilation to flow through the building. "Together with Seashore Library, [the Seashore Chapel] provides spiritual spaces at ocean front, where people can slow down their pace, experience the nature and examine their inner state," write the architects. + Vector Architects Images via Vector Architects
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Stunning Seashore Chapel in China appears to float at high tide
Woods Bagot-Designed Cairns Institute Contributes to the Sustainable Quality of Life for Queensland
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Read the rest of Woods Bagot-Designed Cairns Institute Contributes to the Sustainable Quality of Life for Queensland Permalink | Add to del.icio.us | digg Post tags: "sustainable architecture" , cairns institute , eco design , green architecture , Green Building , green design , james cook university , north queensland , research center , research facility , Sustainable Building , sustainable design , woods bagot
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Woods Bagot-Designed Cairns Institute Contributes to the Sustainable Quality of Life for Queensland
Volvo's New Battery Technology Stores Energy in an Electric Car's Body Panels
October 18, 2013 by
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Conventional batteries that power today's electric cars and hybrids take up space and add a lot of extra weight to the vehicles. Volvo has just announced that it has developed a concept for lightweight structural energy storage components that could improve the energy usage of future electrified vehicles . The material, consisting of carbon fibers, nano-structured batteries and super capacitors allows the battery components to be integrated into a car's body panels, thereby taking up less space than conventional batteries. Read the rest of Volvo's New Battery Technology Stores Energy in an Electric Car's Body Panels Permalink | Add to del.icio.us | digg Post tags: battery technology , carbon fiber , carbon fiber automobile , electric cars , electric motor , green car , hybrid cars , volvo , volvo battery technology , volvo green car
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Volvo's New Battery Technology Stores Energy in an Electric Car's Body Panels


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Awesome Gain Staging!
This pedal has all the overdrive and distortion you could ever want! I had heard it was a monster for high gains, but at first plug in I was pleasantly surprised at the subtle, lighter classic rock tones I was finding. As I started to crank it up I was apparent that Seymour Duncan knocked it of the park with the metal tones ranging from warm and full to saturated and gritty. Great pedal!
Indianapolis, IN


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Genamics JournalSeek
Monographs in Oral Science
Monogr Oral Sci
For two decades, Monographs in Oral Science has provided a source of in-depth discussion of selected topics in the sciences related to stomatology. Senior investigators are invited to present expanded contributions in their fields of special expertise. The topics chosen are those which have generated a long-standing interest, and on which new conceptual insights or innovative biotechnology are making considerable impact. Authors are selected on the basis of having made lasting contributions to their chosen field and their willingness to share their findings with others.


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5 Ways to Make Your 401(k) Like a Pension
Over the past 30 years, employer-sponsors of retirement plans have moved away from offering pensions to offering 401(k) plans. This transition has given employees greater control over managing their financial lives.
However, the increased savings responsibility has become a challenge for many Americans eligible for a 401(k). Based on a survey of employers, only 15% felt confident with the average savings rate of their employees.2The research shows that many workers with 401(k) plans—when left to their own devices—are not contributing enough, often only the bare minimum to qualify for any matching funds from their employer.¹ Revising your 401(k) plan's design and services to act like a pension can help overcome the detrimental inertia that inhibits employees from saving more.
Furthermore, nine out of ten of the employers did not feel satisfied with their employees' knowledge regarding the amount they needed to save for an adequate retirement savings level. The 2017 Employee Financial Wellness Survey discovered that now only 49% of employees are comfortable about retiring when they want.3
Although you may not be able to offer a pension to your employees, you can still deliver some of its benefits with modifications to your 401(k)'s plan design and services. With these five 401(k) plan changes that make your plan mirror how a pension works, you can help your employees to more successfully manage their savings responsibility.
#1. Automatic enrollment
Pension plans do not require participants to make deferral elections or select funds. Similarly, by setting up automatic enrollment on your 401(k) with a default deferral rate, you can relieve your participants from having to take any action in order to benefit from a retirement savings plan.
Automatic enrollment has helped many plans increase participation in retirement saving. According to the Aon Hewitt 2016 Universe Bookmarks Report,4 which analyzes the retirement savings behavior of 3.5 million employees, participation in defined contribution plans with automatic enrollment was 86%. In contrast, participation in plans without automatic enrollment was 63%.5
However, automatic enrollment can have the unintended consequence of employees contributing less than would otherwise be inclined to contribute. It was recently found that while automatic enrollment increases participation rates, it also can lead to lower contribution rates when the default deferral rate is set to 3% or lower.6
Employers can prevent this risk by combing automatic enrollment with features like automatic deferral escalation and stretch-matching contributions.
#2. Automatic deferral escalation
To help prevent the automatic enrollment's unintended consequence of reducing employee savings, employers can add automatic deferral escalation to their 401(k) plan design.
A pension plan requires an employer to contribute enough each year to ensure an adequate savings amount is being set aside for employees. Automatic escalation for 401(k) plans increases participant deferrals on a yearly basis to help ensure participants are saving enough for an adequate income in retirement. For example, an employee's deferral rate can automatically increase 1% each year until it reaches a maximum percentage of their pay, typically 10%.
Furthermore, increases in 401(k) contributions can also be set to coincide with when pay employee increases, minimizing any reduction in pay. This can be a painless way for workers to increase the amount they save each pay period.6
#3 Stretch-matching contribution
With a stretch-matching contribution, employers can encourage employees to save for their retirement without increasing the overall employer matching contributions. The table below demonstrates how stretch-matching contribution formulas incentivize participating employees to increase their deferral rates.
|Employer contribution
|Employee minimum contribution
to maximize the employer match
|Total contribution
In all three examples, the employer is committed to contributing 3% of pay to employees who defer. However, the more the match is stretched, the more employees are encouraged to increase their deferrals.
Through the combination of automatic enrollment, stretch matching and automatic increases, your goal is for employees to attain an 80% income replacement ratio at retirement. This combined approach also helps address the potential downside that comes with just offering automatic enrollment alone.
#4 Personalized Guidance
Pension plan sponsors are provided investment advice from investment advisors to optimize the plan's performance. You should make advice available to your 401(k) participants in ways they can easily understand and access.
For example, you can choose a retirement plan provider that makes this advice understandable by presenting personalized recommendations to employees by their age and retirement goals. Furthermore, you can increase employee engagement with a provider that makes their account and educational information accessible on various devices, such as desktops, tablets and mobile devices.
#5. Target Date Funds
A pension plan's asset portfolio is managed by the plan sponsor and their advisors to help create a diversified investment portfolio customized to the plan's specific needs. Likewise, target date funds provide a professionally managed mix of stocks and bonds that are an automatically customized fund selection and asset allocation to the participant. Similar to a pension, participants do not need to worry about which funds to select and how much money to put in each. A target date fund will evolve as a participant ages to ensure the portfolio's diversification is appropriate to the participant's age.
Target Date Funds have become extremely popular for 401(k) plans and participants. The 2017 Investment Company Institute report notes that plans offering target date funds increased from 57% to 72% from 2006 to 2014. During the same years, participants holding target date funds increased from 19% to 48%.7
The research shows that many workers with 401(k) plans—when left to their own devices—are not contributing enough, often only the bare minimum to qualify for any matching funds from their employer.1 Revising your 401(k) plan's design and services to act like a pension can help overcome the detrimental inertia that inhibits employees from saving more.
Nonetheless, the core feature of 401(k) plans—employee control—still remains. If an employee can't part with the salary that these features help them save, he or she can simply opt out.
- Skip to Main Content
- 5 Ways to Make Your 401k Like a Pension
- Building a Staff for Today's Convenience Economy
- Deliver a Convenient Employee Experience
- Evaluating Costs and Benefits of your Defined Benefit Plan
- Grow and Retain Assets: The Power of Multi-Generational Relationships
- How to Design and Implement a Cash Balance Plan
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- Risks As You Grow: Critical Considerations for the C-Suite
- Spam Shams and Other Scams
- Succession Planning for Financial Advisors
- The Changing Face of Face-to-Face
401k Retirement Plans
Is your 401(k) plan adequately helping your employees prepare for retirement?
1 Why some employers are becoming more generous with retirement savings plans, Chicago Tribune, August 10, 2017. 2 Hot Topics in Retirement and Financial Wellbeing, Aon Hewitt, 2017. 3 2017 Employee Financial Wellness Survey, PricewaterhouseCoopers, 2017. 4 2016 Universe Bookmarks Report, Aon Hewitt, 2016. 5 2015 Universe Bookmarks Report, Aon Hewitt, 2015. 6 How Auto-Escalation Can Help You Save More for Retirement, U.S. News, January 27, 2016. 7 2017 Investment Company Factbook, 2017.


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Royal Scot Country Club New Franken, WI
Green Bay Restaurants and Bars
4831 Church Rd
New Franken, Wisconsin 54229
Royal Scot Country Club Description
This golf course comes complete with it's very own Supper Club and Pub Grill. The Supper Club does offer a kids menu for a more family oriented restaurant. As for the Pub part, they offer a full bar and free wi fi for their customers.
Royal Scot Country Club Reviews
>> Write a Review for Royal Scot Country Club <<
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Map of Royal Scot Country Club
Royal Scot Country Club Events
Royal Scot Country Club Basics
- Cuisine
- American
- Hours
- Mon - Sun: 7:00 am - 11:00 pm
- Neighborhood
- New Franken
- Handicap Access
- Handicap Access
- Price Range
- Inexpensive $(under$8)
Mid-Range $$($8-$14)
- Reservations
- Not Accepted
- Payment Methods
- Cash, Visa, Mastercard
Royal Scot Country Club Features
- Meals Served
- Lunch
- Alcohol
- Beer, Wine, Full Bar
- Worth Noting
- Supper Club and separate Pub
- Audience
- All Ages
- Features
- Golf Course
- Wi Fi
- Free Wi Fi -- Pub
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Green Bay Restaurants » Public golf courses
Green Bay Restaurants » Supper Club
Green Bay Restaurants » Public golf courses
Green Bay Restaurants » Supper Club


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In addition to public social insurance classes, in which participation is generally compulsory, there are also a large number of other insurance classes. They are all voluntary with the exception of automotive liability insurance, which means that you can decide for yourself which of these insurance classes you would like to hold policies in.
Since all insurance policies cost money, you should first think about which ones make sense for you personally and then compare and contrast the offers from the various insurers. Pay particular attention to the details in the contracts, for even if the premiums of a policy are economical, it doesn't mean that it provides the best conditions. For example, you should check which benefits are excluded from the insurance terms and conditions and whether co-payment is required - which means you'll have to cover part of the costs yourself in the event of a claim.
Liability insurance
Liability insurance is among the insurance classes that are particularly sensible. It provides coverage when you or your minor-aged child cause damage to another person without intention or wanton negligence. This is important because even small inadvertencies can cause damage for which you would have to pay your entire life if you don't have insurance.
Be sure the insured sum covers at least 10 million euros. The insurance will then cover the costs up to the contractual insured sum in the event of damage.
Private accident insurance
You are insured under public accident insurance via your employer. Thus, insurance coverage is provided for accidents incurred at the workplace or on a work-related commute. However, many accidents also occur during personal time. For these cases, conclude a private accident insurance policy.
While medical treatment is handled by public health insurance, you can mitigate consequential financial costs with private accident insurance. This is particularly important with regard to remote damages, such as permanent disability or invalidity. While occupational disablement insurance only pays if you can no longer work at all, accident insurances enters into effect even if you are not completely incapacitated from working. This closes a gap in health insurance coverage.
Household insurance
Household insurance insures everything you have in your house or flat. Furthermore, it also covers some of your possession while travelling, such as a photo camera stolen from your car. The importance of household insurance to you depends upon the value of the things you own. The costs for household insurance are mainly based on the size of your flat.
Defence insurance
No one is entirely safe in a lawsuit. Defence insurance pays the legal and solicitor fees in these cases. Traffic insurance covers legal costs in the event of a dispute arising from road traffic. This makes sense for people who drive very often in particular.
Vehicle insurance
You must have automotive liability insurance for your car or motorcycle. Without this compulsory insurance, you cannot register your vehicle at the vehicle approval office. However, it only covers the costs for damages caused by you to another vehicle.
You'll need comprehensive insurance to cover damage to your own vehicle. There is a distinction made between partial and full coverage. The most economical partial coverage only applies to certain types of damage. For example
- Storm
- Hail
- Flood
- Fire
- Explosion
- Theft
- Animals
Full coverage pays for all additional and self-inflicted accident damage, as well as for damage caused by vandalism. It especially makes sense for new vehicles.


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Nicu Buculei wrote:
Máirín Duffy wrote:- I don't think you need to trace, but there is a bit of noise in the Inkscape automatic trace. The way I got rid of this when doing the FUDcon Boston design (my first tries had the same noise) was to boost the contrast of the image in the Gimp first; I think I fiddled with the levels a bit, then duplicated the original layer on top of itself with one of the layer blending modes (I don't remember which one; I just kept playing). If there were some fine details I knew wouldn't come out in the final trace I doctored them out manually with a dark brush! :)Whoah! I tried those steps with the Boston photo (http://www.flickr.com/photos/b-tal/193801686/) and it works very smoothly (and setting the duplicate layer mode to "divide" is a world of difference.
Ah that's not the photo we actually ended up with. It looks like I need to update the T-shirts page! Because the license was non-commerical on that photo, I went and took my own photo of Boston and used that one. You can see the difference:
the final t-shirt: http://www.flickr.com/photos/mairin/2591006734/in/set-72157605799609636/ the photo used for the design: http://www.flickr.com/photos/mairin/2540006511/in/set-72157605368533939/And yeh, the photo I took didn't come out as well as the original photo I used for the design :(


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This isn't your standard 'New Year' post but when I think about it, my year wasn't standard in any way. It feels like yesterday since I wrote my 'Hello 2017' blog post...for this one I hardly know where to begin! As I write this I'm thinking back 9 months when I was lying in a hospital bed post spinal fusion surgery - something I never dreamed would be happening at the start of 2017! Honestly it turned my life around for at least 4 months as I recovered. I'll be straight with you and admit that after battling depression last year, I felt as if I had no more time to waste and I wanted to make the most of my year out from education. However, come March 2017 when I received a phonecall inviting me to London for surgery, I didn't have much choice in the matter.
Sometimes life has to stop for a little while; your plans taking a back seat. My intentions of baking, photography, driving lessons and blogging to name but a few, had to get pushed aside while I focused on my health. This was never what I wanted (or imagined) but sometimes it's okay to press pause and face what needs facing. A huge part of me wants to put two fingers up at 2017 and shout 'Good Riddance' BUT the other half of me wants to thank it for taking me on an unexpected journey.
This year has taught me so many lessons or rather, emphasised them! First, time flies. Yes, that fortnight in hospital felt like a lifetime but time as a whole goes so quickly and each moment is so precious! Secondly, the most important things are ALWAYS health and happiness. These should be nurtured constantly and while plans may have to take a temporary backseat, health and happiness should never be pushed aside! Plans can wait!
You might be thinking, 'Well this isn't exactly a cheery, motivational New Year, New Me post!' but I'm not quite finished! After physiotherapy sessions, pilates and lots of sleep I gradually recovered from the surgery. I started my degree with the Open University, got a job in one of my favourite shops and attended some amazing blogger events! To top it off I finally passed my driving test! Like I say time flies, but it also heals! So, if it all goes tits up it's okay and it gets better.
So, here's to a better 2018 and a few wise words to keep in mind:
"Keep your eyes on the stars, and your feet on the ground." - Teddy Roosevelt
"Look back one last time. But then never look back again. Leave it all behind you. What's coming is far more exciting." - The Better Man Project
"The biggest adventure you can take is to live the life of your dreams." - Oprah Winfrey
"My life didn't please me, so I created my life" - Coco Chanel
"On a bad day there's always lipstick" - Audrey Hepburn
Happy 2018! Katie x
Make sure you check me out on Instagram here!


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UCMC presents a translation of Deutsche Welle article on the situation with Ukrainian library in Moscow.
Library of Ukrainian Literature in Moscow may soon cease to exist. City officials decided to move the library collection to the newly created Center for Slavic culture.
A year and a half ago the only Ukrainian library in Russia, funded by the budget of the Russian capital, has become hostage to political tensions between Moscow and Kyiv: first there were searches, later on library director Natalia Sharina came under investigation under the alleged accusations of "inciting hatred and enmity".
Now, as reported on Wednesday, March 15, by Reuters, Library of Ukrainian Literature in Moscow, in fact, may cease to exist, but without official announcement of the closure. City officials are trying to pass this off for " a change of residence": 52,000 titles of books from Ukrainian library fund are to be transferred to Margarita Rudomino All-Russia State Library for Foreign Literature, also known among locals as "Foreigner".
Entrance by ID only
Back in December, the Moscow mayor's office announced the opening of the new Center of Slavic cultures. It is to represent 13 countries. An official press release of the Moscow City Department for Multicultural Relations, Interregional Cooperation, and Tourism claims that the Ukrainian library will become the basis of the newly established Centre. Creation of the Center has been actively advocated by the Ministry of Culture.
According to the employee of the Ukrainian library in Moscow Tetiana Muntian, before the transfer of books the library has significantly reduced work hours, stopped lending books and ordering new books, and at the entrance of visitors became possible only by passport. Furthermore, Ukrainian language courses were terminated as well.
The reporter of Reuters information agency, who visited the Library of Ukrainian Literature in Moscow, witnessed the empty shelves, books packed in boxes, and a complete absence of readers.
"No political background"
Moscow mayor's office denied the influence of any "political component" of Ukrainian events on the library situation. Mayor's office spokeswoman claims that the new center, to which a part of the Library of Ukrainian Literature collection has already been moved, has more visitors than the old premises on Tryfonovskaya street.
"There is no intention of destroying anything here. On the contrary, transferring the books we not only preserve the collection of the Library of Ukrainian Literature, but also believe that it will increase the popularity of Ukrainian literary heritage," – reads the written response of Moscow mayor's office. In December 2015, Russian President Vladimir Putin said that the Library of Ukrainian Literature, which "has its charm" should be preserved by all means.
In December 2016, the new Center of Slavic Cultures stated that they would host no more than 12,000 books from Ukrainian library collection, which include more than 50,000 titles of books and periodicals.
History of the Library of Ukrainian Literature in Moscow is traced back to 1920s.
Sources: Deutsche Welle and Reuters.


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Artie Homestay Pengkalan Chepa Kota Bharu Kelantan is located in Jalan Padang Tembak, Pengkalan Chepa makes it very convenient for guests to anywhere in the city of Kota Bharu. With direct line of travel to the city center, the airport, and tourist centers, provide alternative access to the diversity of the ensemble of places around town,
Here are the reasons why Jalan Padang Tembak, Pengkalan Chepa is your choice while in Kota Bharu.
Masjid / Prayer
13 minutes into the Masjid As-Salam Pengkalan Chepa
Public Transport & Routes
18 minutes to the airport, Sultan Ismail Petra in Pengkalan Chepa without any trouble.
10 minutes to the bus stop Express Mutiara (East Coast) route to Kuala Lumpur, Shah Alam, Selangor, Kedah, Seremban, Malacca etc.
18 minutes to downtown Kota Bharu without extreme congestion.
23 minutes to the Kubang Kerian without extreme congestion.
35 minutes to Pasir Mas through Auto City and Salor.
Alternative routes to Bachok via Panji continue to Tok Bali which is far from unusual congestion
Education Institution
15 min to Taman Universiti Malaysia Kelantan in the Taman Bendahara.
15 minutes into the Sekolah Menengah Teknik Pengkalan Chepa.
17 min drive to reputable schools in Pengkalan Chepa.
18 minutes into the Smart Readers Kids at Kota Bharu.
18 minutes to Maktab Sains Rendah Pengkalan Chep
20 minutes Institut Pendidikan Guru Kampus Kota Bharu
15 minutes into the Kompleks Kerajaan Bahagian Teknologi Pendidikan.
Neighbouring Kompleks Perumahan PDRM Jalan Padang Tembak.
16 minutes drive to the government complexes such as Yayasan Orang Tua Kelantan, Klinik Cure & Care AADK, Ibu Pejabat & Latihan Polis Trafik Kota Bhrau, Pusat Latihan Pengajian Tinggi , etc.
15 minutes into the Academy of Fire And Rescue Kota Bharu Kelantan through Pansor,
17 minutes to Institusi Perguruan Kota Bharu jalan menghala Panchor.
18 min according to the PWD Housing Jalan Panji
23 minutes into the Health Department Jalan Kota Bharu College
Recreation center
18 minutes to Golf and Recreation Pengkalan Chepa.
Supermarkets and Restaurant
10 minutes to the supermarket shopping the East Coast, the largest supermarket chain in the state of Kelantan.
14 minutes into the leading fast food restaurants like Mc Donald's
14 minutes into the restaurant Marry Brown.
90 meter to the 7Eleven 24 hours.
6 minutes into the restaurant Nasi Ulam Cikgur, Taman Orkid through Jalan Padang Tembak.
14 minutes to Pizza Hut Pengkalan Chepa.
50 m to ATM machine provided by Bank Islam at a Petronas petrol station.
90m to 1 Malaysia Clinic
100 m to a private clinic.
18 minutes into the government health clinics Pengkalan Chepa.
Neighbouring factories Kum Kee etc. leading as well as 8 minutes into the plant F & N Dairies Jalan Padang Tembak.
50m to Petronas petrol stations (petrol, diesel and gas)
Neighbouring the training center and JPJ Kota Bharu .
Neighbouring Mara Industrial Area, Jalan Padang Tembak.
5 minutes to Industrial Training Institute ILP Jalan Padang Tembak.
16 minutes into the General Post Office Pengkalan Chepa.
Friendly neighbors, ideal community environment.
* Times listed are estimated using a motor vehicle at the usual time.
Contact Details
Tel No : 019-9327823
H/P No : 019-9327823
Rate / Night* : RM 180
Address :
PT3129 Taman Desa Kamumin
Jalan Padang Tembak Pengkalan Chepa
16100, Kota Bharu
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AMSYAR HOMESTAY PENGKALAN CHEPA Amsyar Homestay Pengkalan Chepa Selesa Untuk Semua ! Lokasi: Alamat: Lot 3206,Taman Desa Kemumin,Padang Tembak,Pengkalan Chepa GPS koordinat: 6.149356,102.299267 BOSAN... Read More


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About The Teacher
Certified Teacher for Traditional Wu-Style Tai Chi Chuan and vice president of the European Tai Chi Association EWTC, Marion founded her school in Austria 7 years ago and regularly teaches to groups in Austria and on international seminaries in Europe.
She is a Tai Chi teacher with all her heart and passion. Wanting to support people to become silent again and giving them a way to make a break from all this unhealthy rush in the world.


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Dr Jessica Garisch, who graduated with a PhD in Psychology from Victoria on Tuesday, studied deliberate self-harm among Wellington secondary school and university students.
She researched self-harm behaviours that are not typically lethal including cutting, burning, breaking bones, scratching, dripping acid on the skin, pulling hair or hitting.
"My research aimed to find out about the factors related to self-harm, who thought about it, who did it, the stereotypes associated with these people and the barriers to seeking help," says Dr Garisch.
In her research, she did a survey of more than 2000 students aged 16 to 19, did a diary study and interviewed guidance counsellors around the region.
"Of the youth studied, a third to half of the students had tried self-harm in the past or had thought about it, and currently 12 percent were engaging in self-harming behaviour."
Her research found that low self-esteem was a big factor for those who self-harm, as were concerns over sexuality or having friends or family members who self-harm.
"I also found a difference between self-harm in young males and females. For males, social factors or having friends and family who self-harm were the biggest factors. For females, it was emotional difficulties or low self-esteem."
Dr Garisch says understanding there are lots of different reasons behind self-harm behaviour and increasing knowledge of the issue is vital.
"When I asked teachers about how they reacted to the behaviour, they didn't know how to respond. Stereotypes of those who self-harm are also major barriers in stopping students talking about the problem."
Next year, Dr Garisch plans to visit secondary schools in the Wellington region which are interested in learning more about the outcomes of her research


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HCM CITY – A "safari" exhibition featuring origami wildlife has opened on Book Street in downtown HCM City in District 1.
Organised by the HCM City Book Pedestrian Street Company and AXA Studio, the exhibition aims to raise people's awareness about wildlife and environmental protection.
Works on display include 20 origami of flamingoes, lions, crocodiles and elephants. The highlight of the exhibition is a northern white rhino
There are only two northern white rhinos left in the world. They live at the Ol Pejeta Conservancy in Kenya. The last surviving northern white rhino male died in March.
Nguyễn Hồng Hạnh brought her five-year-old son to the safari exhibition. "My son is very interested in origami animals. He can name all the animals, and he knows that rhino horn should not be used as medicine."
The exhibition will be open to the public at Book Street (Nguyễn Văn Bình Street) in District 1 during this summer. – VNS


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If you judge people, you have no time to love them. Mother Teresa
At a busy intersection near my house, a young man held a sign asking for money. I didn't have cash, but even if I had, I wouldn't have given him any.
My judgement:
He looked young and healthy enough to get a job and earn money rather than begging for it.
I hate to admit that because as much as I try not to judge people, I find myself doing it every day.
I try not to judge for a couple of reasons. First, I don't want other people to judge me and second, I'm not perfect, so who am I to judge?
From past experience I've learned that you can't tell by looking at some one what he or she is about – their struggles, challenges, or difficulties. Assumptions often prove to be false.
On the other hand, I may be right about that young man on the corner, but so what?
I'm no Mother Teresa, that's for sure, but I agree with her: You can't love people when you're judging them.
You get what you give.
Want more love? Give more love. Mix it with compassion, understanding, and patience.
Give less judgment, intolerance, anger, and hate.
I'm going to have to practice this. How about you?