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Who are the Signaturi? Here is the Redelfs definition:
The Signaturi are a clique of dissidents within the modern Church (Mormon) who profess to be faithful members of the Church and possess some or most of the following characteristics:
1) They prefer reading and discussing books published by Signature Books to those published by the mainstream LDS publishers, Deseret Book and Bookcraft. This is where they get the name, Signaturi, a term coined on the Internet by William J. Hamblin, listowner of the former Morm-Ant email discussion list hosted at Brigham Young University.
2) They prefer reading and discussing the publications, SUNSTONE and DIALOGUE, to reading and discussing THE ENSIGN or BRIGHAM YOUNG UNIVERSITY STUDIES.
3) They either attend Sunstone symposia or admire and are friends with those who do, especially the leaders. Of course, the faithful have been known to attend these symposia also, so as to keep their disgust fresh.4) They strongly prefer "The New Mormon History" to the traditional, Church sponsored history taught by the Church Education System which they consider dishonestly whitewashed. They call such history "faith promoting history." They fail to see the so-called "New Mormon History" for what it is: Digging for Dirt History.
5) Almost to man they consider themselves to be "intellectuals" and by definition disallow this term as applied to anyone who disagrees with them about "The New Mormon History." In their own eyes they are the only intellectuals and scholars in the Church. This usage becomes apparent in press coverage of the supposed Church war on its scholars where it is never mentioned that this war only includes a tiny minority of its scholars.
6) As a group they are highly supportive of the right of free speech and something called academic freedom, but they totally ignore the right of the individual to associate or disassociate with whomever he chooses. Which means they have a right to hang out on whatever email discussion list they please whether they are welcome or not. They also deny the Church this right to freedom of association when it defines doctrinal qualifications for membership, considering any effort to exclude on the basis of doctrine a violation of free speech.
7) Generally they tend to admire, indeed idolize, such "intellectual" Mormons and former Mormons as Sterling McMurrin, Steve Benson, D. Michael Quinn, Edwin Firmage, Jr., and Brent Metcalfe. However they detest and generally consider Neanderthals men such as W. Cleon Skousen, Joseph Fielding Smith, Bruce R. McConkie, Ezra Taft Benson, Reed Benson, Lou Midgley, and their anathema, Boyd K. Packer, most of whom they disdainfully characterize as orthodox, neo-orthodox or Iron Rods.
8) Generally, they are strong supporters of the organized feminist and gay-lesbian movements within the Church, considering all institutional opposition to these world movements examples of the bigotry and sexism of the apostles and prophets.
9) Generally, they think the ban on blacks holding the Priesthood, which the Lord lifted in 1978, was the result not of God's law and revelation but culturally induced racial prejudice and bigotry on the part of the prophets and apostles.
10) Generally, they consider anyone who agrees with the talk "Fourteen Fundamentals of Following the Prophets," which President Benson gave at BYU a number of years ago, to be "blind followers." Basically, President Benson said that when the living Prophet of the Church speaks, his word is more binding upon us as the law of God than the scriptures which can be misunderstood and which are incomplete.
11) An element among these people profess to believe that the Book of Mormon is an inspired parable or allegory rather than a history of something that actually happened to real people who lived anciently. In other words, according to this view, the Book of Mormon is "true" and is inspired scripture because it was inspired by God and contains many precious truths; but there were no actual gold plates nor was there actually a man named Lehi. They deny the historicity of the Book of Mormon. While many Signaturi don't actually hold this view publicly, they consider it a legitimate minority position within the Church and see nothing heretical about it. Since the advent of the Internet, this view has grown enormously within the Church, largely because of their efforts.
12) Finally, these Latter-day Saints practice a variant of Mormonism heavily influenced by the New Age Movement in extolling "tolerance" and "diversity" above all other virtues and consider a person guilty of the ultimate sin of being "harsh and judgmental" if he cries repentance unto the people for any of the traditional sins such as fornication, adultery, homosexual sodomy, lasciviousness, etc. Indeed, religion among these people seems to be something they get from Hallmark Card Shops and Jonathan Livingston Seagull posters rather than from the Book of Mormon.
Now, possessing one or several of these characteristics does not by itself mean that a person is necessarily one of the Signaturi, that distinction belongs only to those who are members of this clique which may in fact be a secret combination within the Church. Nor must one possess all of these characteristics to be a Signaturus. Indeed, some of the best disguised Signaturi are so adept at masquerading as faithful saints, they possess none of these qualities. Therefore this list should be thought of more as a profile than a definition.
And a final disclaimer: Just because a person is admired or idolized by the Signaturi does not mean that he himself is a member of the clique. People often have no control over whom gushes over them. Nor is there any guarantee that there are no Signaturi among those whom they publicly detest. It has always been the practice of the devil to sponsor both sides in an argument in order to influence the outcome of the contest and insure control of the winning faction. He is the master deceiver, and among his mortal followers are those who are very good at it themselves.
Copyright (c) 2005 by John W. Redelfs - Permission is hereby granted to freely distribute this piece provided it is reproduced in it's entirety and includes this copyright notice.


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Transforming Human Resource Documentation
Stop the repetitive and costly tasks of collecting and processing HR documents
Collecting and processing employee documentation and moving it throughout multiple departments, back-office systems and third-party vendors is critical. It is also time consuming and costly, this is especially complex for companies with multiple offices or franchise hiring. Delays in processing effects a myriad of actions and departments including; start dates, time–keeping and payroll, medical benefits, insurance, legal actions, dismissals, compliance and the like.
There is a significant amount of documentation required for each employee, everything from the initial job application to full on-boarding. The number of steps involved in collecting, validating and processing documentation slows the business process and is administratively taxing. Application compatibility often forces staff to input information multiple times into multiple systems having a significant impact on business productivity and business costs.
Application Independent
There are many great HR Management and Document Management applications on the market and they all do the same thing well, manage information. However, collecting and getting your documentation and data into these applications is still largely a manual process. Digital Writing C2P automatically turns your documentation into digital content in seconds. Your content (documents and data) are converted into industry standardize output that can be seamlessly integrated into any application used to run your business. This gives you the ability to use all your documentation AS IS without worry and expense of redesigning your documentation or re-engineering your business processes just to conform to software.
Document Processing Cost
In a recent survey by AIIM (Association for Information and Image Management), the average cost to process one document is $4.56. The average number of documents collected to on-board a single employee can be 6-20 documents and in some cases even more. Between new hires, file updates, job changes, insurance changes, and employee evaluations, hundreds of documents are processed with multiple entries, by multiple employees, into multiple applications. And, that is just getting the documentation and data into your systems so the rest of the work in the business process can begin.
The time it takes to process a single document can take up to 30 minutes or more to input and distribute to back-end applications and workflows.
Data Entry
|10 minutes
7.5 minutes
7.5 minutes
5 minutes
|Total Time to process one document 30 Minutes
|Now let's put a dollar value to our findings. Say you are paying your employees an average of $15.00 per hour. Using the above example it costs $7.50 to process one document.
Increase efficiency – Eliminate costDigital Writing C2P Digital Pen or Tablet solutions automate the entire process seamlessly because it collects, validates, and processes HR documentation directly into your designated back-office systems in real-time for pennies a day. That includes all documentation, data, signatures, photos, etc. Use existing documents and forms "AS IS" including documentation provided by your vendors even government agencies; there is no limitation on the number or types of documents you can use.
Digital Writing eliminates 70%-90% of the tasks and cost associated with collecting and processing documentation, increasing the flow of information throughout the whole organization making the business processes productive, efficient, and profitable.
Here's how it works;
Paper Documents (Digital Pen)
Using our Digital Pen, existing documents are printed to a laser printer using the Digital Writing utility - printing "Smart Documents". Documents and forms are completed as routinely done, when finished, a box is checked and all documentation is sent to designated systems and applications in real-time.
Paperless Documents (Tablet App)
Existing documentation stays the same except it is paperless. Using the Digital Writing Tablet Application "Natural Forms", all required documentation is on the Tablet. Documents are selected from the menu and filled out just like they would on paper. Once completed, click "Submit" and all documentation is delivered to designated systems and applications.
Businesses have the option to choose which method (paper or paperless) works best for the business. No matter which method is used, all documentation is captured, validated, and processed in real-time with no user intervention.
Nothing is easier? Use your paper documentation "As Is" or place on Tablets and process everything in real-time for a fraction of the cost. There are no limits to the number of documents you can use, how many times they are submitted or the number of different departments within your business that can use the solution. You can associate documentation by specific user group, by department or a specific function and any office assistant can manage the whole application from any browser, with virtually no training needed.
Digital Writing C2P makes document capture-to-process easy and is the one solution that will meet your needs today, quickly grow with your business and no matter what software applications you use today or in the future Digital Writing C2P will work with them increasing efficiency and reducing cost for years to come.
To learn how easily Digital Writing C2P can help transform your documents and your business email us at firstname.lastname@example.com or call us at 888 780-FJDA (3532).
|Request Information
|Become a Partner
Digital Writing C2P (Capture-to-Process) Solutions
Additional Resources:

subset: commoncrawl


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In the decade since the collapse of Lehman Brothers, regulators around the world have taken steps which, they argue, have greatly strengthened the resilience of the financial system. Buoyant asset prices and rising bank shares suggest that investors largely believe them. Unfortunately, the effectiveness of these measures remains uncertain. That will only become clear in a real downturn, rather than a simulated stress test.
The focus on raising collateral requirements exemplifies the problem.
Collateral has long been used to secure borrowing. In derivative transactions, collateral is lodged to secure the current amount owed by a party. The method is used bilaterally between banks and between banks and their clients. It's also used on a multilateral basis; for example, a significant proportion of derivative transactions are now routed through so-called Central Counter Parties, which use collateralisation to secure performance.
Since 2008, regulators have placed increasing emphasis on collateralisation to reduce risk, for instance by allowing banks to hold less regulatory capital when engaging in properly collateralised transactions. In a crisis, however, a host of factors will affect whether collateral will work as intended.
Originally limited to cash and government securities (though even these are no longer entirely risk-free), the range of securities accepted as collateral has expanded to riskier securities. In part, this reflects a shortage of high-quality securities, especially government bonds, because of central bank purchases. Some of these types of collateral have volatile prices, which reduces their utility as security.
While this is addressed by attributing lower value to them (known as a haircut), such adjustments may turn out to be incorrect. The correlation between the risk sought to be covered and the value of the collateral is critical. If the underlying risk increases at the same time as the value of the collateral decreases, the benefit of holding that collateral obviously shrinks.
Collateralisation also relies on models which aren't foolproof. The underlying exposure as well as the value of the collateral must both be determined in a process that isn't always scientific. As the world discovered in 2008, it's hard to value less-liquid securities and derivatives, and there's a not-negligible risk of manipulation of valuations. Models that use historical volatility to gauge the level of initial collateral required may prove inadequate in periods of stress. This is even truer in the case of portfolios involving a number of transactions, where past correlations used to calculate the overall exposure may not hold in future.
Relying so much on collateral assumes it can be sold off easily in case of default. Declines in trading volumes for many assets mean that creditors can't take such levels of liquidity for granted.
There are operational and legal risks as well. The process assumes mark-to-market calculations are accurate, collateral is paid and received on time, collateral is monitored and control over the cash or securities is always maintained. Given the high volume of transactions across multiple time zones, operational accuracy and integrity is difficult to ensure. The legal validity of these arrangements, which involve a complex mix of domestic and international laws, isn't assured. Cross-border enforcement may be difficult, with national courts failing to enforce foreign judgements.
Finally, collateralisation may alter the behaviour of market participants, creating new systemic risks.
The use of collateral shifts the emphasis away from the creditworthiness of a borrower or counterparty. Parties who would normally be ineligible to borrow or trade, if judged purely on their financial strength, might be able to enter into transactions if they can produce enough collateral. The rapid growth in debt levels, volume of derivative contracts and investment vehicles since 2008 has relied greatly on the fact that collateral has expanded the range of market participants.
Banks have an incentive to lower collateral levels in order to increase transaction volumes. This increases leverage but also risk. Banks have also used collateral to increase liquidity and leverage directly. So-called rehypothecation — where collateral received by a bank is then pledged to support other transactions — allows for an exponential expansion in leverage. Restricting such practices, on the other hand, would precipitate a rapid contraction in liquidity.
Collateral creates channels through which instability can be transmitted in a crisis, increasing the risk of contagion. In periods of stress, market participants will all seek more collateral or need to sell pledged securities. This will increase volatility, potentially fatally. At the same time, limited disclosure of collateral provisions and potential liquidity claims makes it difficult to assess the financial position of counterparties.
The goal of collateral — to reduce the risk of a financial crisis — is noble. In practice, collateral simply creates different risks. What regulators really need to do is address more fundamental problems: an overreliance on credit and leverage, an excessively large banking system, and unnecessary complexity and interconnectedness in the financial system itself. Ten years after the last crisis, those issues remain as unresolved as ever.


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Since my "Letter A" storytime conveniently fell in the fall, apple ideas were in abundance. I came across this idea on Pinterest, and knew a trip to the local dollar store was in order.
Ten Apples Up on Top Prop
- Fake apples
- Headband
- E-6000 adhesive [Note: in trying to keep this a total dollar store project, I picked up some super glue with the other supplies. In a word: FAIL. I'll spare you the details, but let's just say, there was more super glue on my fingers than on the project. Stick to the E-6000 and you'll have much better results.]
- Select your apples. I went with a variety of red and green.
- Trim any leaves or stems so that the apples can sit as snug as possible on top of each other.
- Find something to brace your prop while the glue dries. Styrofoam or something round like a big oatmeal container would work much better than the box I used.
- Make sure the area is well-ventilated-- the adhesive is potent!
- Glue and enjoy


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Ain't thinking 'bout love today
Lost in the sunlight
Walking down memory lane
I don't think about running any more. I spend too long trying to waddle to work, find some comfort on the couch, sleep without pain, put socks on with some measure of grace, impossible.
I dream about running instead. I wake from training for marathons, running effortlessly along the Ashton-Pill path, cycling down the Portway, and find myself heavy and unresponsive instead. I wake up knowing that I am pregnant with little surprise. The bump is hard to ignore and the heaviness even more difficult.
Child In Our Time says that some babies can recognise music played to them while in the womb after birth, and may even be able to distinguish between voices and recognise them once born. They recommend playing a melodic song twice a day so I have been playing some in the morning. So far the baby kicks along and wriggles to Pearl Jam's 'Just Breathe' and is mostly chilled to the rest.
Ain't thinking 'bout you today
People from the past that I knew
Are slowly slipping away
Seems so long ago
Since we were carefree
I played Jamie Cullum's 'Pointless Nostalgic' to the baby but there was little response, unlike to Die Hard 4.0 where there was a constant stream of kicking and wriggling in response to all the gunfire and battles. I was thrilled for a bit but then wondered whether the baby was unhappy at all the noise and protesting. Did it then perhaps not like Pearl Jam? Maybe something smoother was the way to go. Katie Melua, who provoked no response at all may be the better song to choose. I don't know.
Photographs lost in time are all I see
A pointless nostalgic-
That's me
That's me
At 24 weeks the baby is now 'legally viable', meaning that if born now it would have a chance of survival with specialist care. Also as the baby gets bigger, I have begun to get more breathless, as hormones relax my lung muscles and the growing uterus pushes up against my diaphragm. I don't miss going out and I don't miss wandering around Bristol for hours since the mere thought of it only reminds me of the exhaustion that's sure to follow.
Thoughts running round my head today
Times from the past popping up where they're from I don't know
Reminiscing my cares away
Wishing I could go back and change the points that were low
Till I've realised what life's meant to be
I had morning sickness until week 18. On average it's meant to last until the beginning of the second trimester at 12 weeks and my colleagues would try to suggest that it would soon pass but day after day it was still there. One thing that helped was constant eating but not everything was suitable. I couldn't touch porridge from about week six to week 19 and I still haven't been able to eat any bananas. Nutella sandwiches became breakfast and were the only thing I knew that I could eat. I remember feeling so bad one day that I ran to the bathroom holding a nutella sandwich in one hand and an apricot in the other. I couldn't eat because I felt so bad and I couldn't go into the bathroom because I was holding on to food. Finally a colleague came by and she took me to the first aid room as I burst into tears.
Photographs lost in time are all I see
A pointless nostalgic;
That's me
There are also the happy tears when I receive clothes for the baby that seem too tiny to be true. My housemates mum has knit some white booties and a hoodie cardigan. Colleagues have given me two bags of clothes that include some tiny mittens, pink corduroy trousers, bibs, little dresses and onesies.
I don't miss the running, the socialising, the alcohol, the caffeine or the few foods I can't eat. I do wake up occasionally though and wonder about the girl with no bump who is happily running around Bristol.
Pointless Nostalgic by Jamie Cullum


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I remember the first time I discovered Google Drive.
After years of sending different document versions with collaborators, I finally had access to a tool that allowed me to work with multiple people inside it.
Not only that, I could also access the document on any computer without taking up space on my own computer's hard drive (which was ridiculously full of photos at the time).
A few days in, and I was totally hooked. I still use Google Drive today!
There's nothing quite like finding the right tool that makes your job so much easier.
It can take a bit of searching and experimentation, but when you start using it, it can be hard to remember a time when you didn't have it. It becomes that integrated into your day-to-day routine!
As a coach, you spend so much time already nurturing and onboarding your clients that finding coaching tools to automate and streamline your process is more important than ever.
Instead of doing your own research, we've put together a list of coaching tools to help you and your clients create a stronger bond through a professional, delightful client experience.
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Top coaching software options for coaches of all levels
It doesn't matter where you are in your coaching journey—whether you are just starting out with your first few clients or you are starting to expand your business. Everyone can benefit from having the right tools in their toolbelt.
Since coaching can be a specialized industry, it's important to find coaching software that will work for you rather than against you. To ease your clients into the coaching process and enhance their experience, here are a few coaching tools to help you make a great first and lasting impression.
As you grow your coaching business, you'll find that a lot of your time is spent in your email inbox. Although you may love jumping on calls with your clients, you still have to spend time sending invoices, creating questionnaires, scheduling sessions, and managing your clients along the way.
If you've gotten to a point where you feel like you are spending more time working on the admin side of your business than the coaching side, it might be time to invest in a CRM (or client reputation management) tool. This will allow you to automate admin tasks in your business and create a consistent client and onboarding experience so you look like a total pro.
You may have heard of popular CRM tools like Dubsado and Honeybook, but the beautiful thing about Satori is that it was specifically built for coaches. This means that every software feature was uniquely made to help you build a sustainable online coaching business.
Since Satori is for coaches only, you have the opportunity to create a branded experience for your coaching clients while building multiple coaching packages and programs to fit your clients' needs.
With hundreds of coaches using Satori, it's no surprise that it has become one of the top CRM tools for automating your online coaching business. Starting at $39/month, Satori might be just what you need to save yourself time and energy as you scale your coaching business.
Here is a brief list of some of Satori's highly rated features and services:
- Calendar and scheduling capabilities within the platform
- Automated contracts and billing to easily collect payments
- Embed their forms to start booking clients straight from your website
- Send questionnaires for your clients to complete before your sessions
- Collect client reviews, results, and testimonials in a simple way
Not sure if it is the right fit for you? You can try it before you buy it with their 30-day free trial. Take some time to explore all of the features and see if it's a tool you could see yourself using to manage the day-to-day tasks in your coaching business.
Maybe you aren't looking for something as robust as Satori is, but you still want to schedule client sessions in an easy way. If you're tired of playing email ping-pong as you suggest meeting times back and forth, it may be the perfect time to introduce an automated scheduling tool into your business workflow.
Calendly is one of the most popular scheduling tools on the web. Setting up your Calendly account is incredibly easy, and it helps you determine what times and dates you're available while blocking off times you're unavailable. You can customize your coaching session time lengths depending on the type of coaching call.
You can also sync your Calendly account with your Google Calendar or iCalendar so you don't have to worry about double-booking yourself.
We also love that you can schedule buffer times in between meetings so you have some wiggle room in between calls to prepare and rest.
With two million Calendly users, it's safe to say this tool is a home run for small businesses, organizations, and solo entrepreneurs alike. You can test out the tool for free with one event type to see if it works for you before you decide to make an investment. Their lowest paid plans start at $8/month per user, making it a budget-friendly option for many coaches.
You Can Book Me
When you grow your coaching business to a point where you have multiple team members, You Can Book Me might be worth exploring. They pride themselves on being the best calendar scheduling platform for teams.
Much like Calendly, you can sync your scheduling availability to your event calendars so you don't double book an appointment or have to reschedule a personal event. It also helps you quickly convert time zones, which can be a great feature for coaches who collaborate with clients in different countries.
You can customize reminders and follow-ups for prospective and current clients through email or even through SMS text messaging. With custom visual branding options, it's safe to say this tool can help you personalize just about every aspect of calendar scheduling.
After trying their free 14-day trial, you can make the decision to invest or not after experimenting with the tool. Instead of having to pay per user like Calendly, you only pay one price of $10/month per team calendar with access to all of their resources.
They also have a highly rated customer service team that is available to answer questions at any time.
Acuity Scheduling has become one of the top scheduling platforms among creative entrepreneurs. Along with being able to book coaching sessions, you can also collect payments through PayPal, Stripe, or Square right in their tool. It also integrates with popular accounting tools like Freshbooks, Quickbooks, and Xero for easy and automatic updates.
Acuity isn't a full-blown CRM, but it does more than your traditional calendar scheduling tool. Because of this, it can be a great fit for coaches who want a more robust scheduling and automated payment processing tool but don't have the budget or need for a CRM.
You can keep track of your revenue growth within Acuity and customize your forms so they provide a seamless user experience when embedded on your website. If you want to include discounts on your packages, sell gift cards, or collect ongoing membership payments, you can also do this through Acuity.
Starting at $15/month for one calendar, coaches can automate their scheduling and payments all within Acuity. You can start with a 14-day trial here.
If you primarily use Gmail to communicate with your clients, Assistant.to might be just what you've been looking for. Rather than having to pay for a separate software to schedule your meetings, you can book coaching sessions by installing Assistant.to to your Gmail account and start using it within seconds.
By using this tool, you can send custom scheduling options to your clients with a few clicks of a button. While this is better than emailing back and forth about scheduling a meeting, it won't automate the process for you. You still have to go into your Gmail app and choose all of the times you're available for each client.
If this is too much of a trade-off, you'd be better off looking into other calendar and scheduling systems. If you don't mind not having the ability to automate this process and want all of your communication to stay in Gmail, Assistant.to could be a good match.
We've talked at length about calendar scheduling options, but there are plenty of other coaching tools that you will want to have in your arsenal.
One of the most common problems coaches have is determining how they want to communicate with their clients after a coaching session.
Since many coaches offer monthly or ongoing coaching packages, there is bound to be some back and forth communication between your coaching sessions. What tools should you use to take these conversations outside of your overwhelmingly full inbox?
You could start by introducing Voxer into your coaching practice. Naming itself "the walkie-talkie app for team communication", Voxer allows you to send private voice messages to team members and clients through their app.
Instead of having to leave a voicemail on someone's phone, you can send a voice recording straight to their Voxer account so they can listen and replay it as many times as they'd like. You can also keep all of your conversations with clients in one central place within the app which works on Android and iPhone devices alike.
Some of your coaching clients may have an easier time talking through a voice recording than trying to compose an email. To save you and your clients time, check out Voxer for free and see if it can work for you.
If sending audio messages to your coaching clients seems cool, just wait until you test out Loom. It is a free video recording software that allows you to send cloud-based recordings to your coaching clients in between sessions.
You can choose to share your desktop with their screen-sharing capabilities, or you can simply record yourself speaking through your device's camera. If you want to share your screen while showing a video of yourself, you can do that too!
One of the things we love most about Loom is that after your record your video, it is hosted online and stored in the cloud so it doesn't take extra storage in your device or computer.
If you are planning to create multiple videos per client that are longer than fifteen minutes, this tool can save you from slowing down your computer or having to invest in several external hard drives. The best part is that Loom is free to use when you sign up here.
If video recordings sound interesting but you're trying to figure out how you'll meet with coaching clients during a live session, you may want to explore Zoom. It has become a crowd favorite among many coaches, and for good reason.
Skype and Google Hangouts have similar video conferencing capabilities, but Zoom has won people over because of its ease of use and how simple it is to schedule meetings. It's even better for coaches who want to hold group coaching programs and are interested in having every member jump on the live call at the same time.
Zoom is also known for having a great picture and sound quality with a more reliable connection to the internet. All you need to do to get started is to sign up for an account and download the software.
We mentioned contracts when we talked about CRM tools above, but what happens if you don't have a CRM? Can you still create and sent contracts with ease? HelloSign says yes!
With HelloSign, you can upload a proposal or contract that needs a signature to make the partnership official. You and your clients can easily sign contracts so you can start your coaching engagement even quicker.
This kind of tool is important because we recommend completing a contract agreement for every client you work with. Yes, even if it is a family member or one of your best friends!
Having a contract means that you have a legally binding agreement that outlines what services you will provide and expectations that need to be met by you and your client.
If you only send around three contracts a month, you can use HelloSign for free. Since most of us have more contracts than that each month as we grow our coaching businesses, you may want to upgrade to the $13/month plan if you really love this tool.
During coaching sessions, you may want to jot down notes. You could write down your thoughts on a journal or notebook, but then you'll have to transfer them to your computer to share them with your client.
Instead, you can create an Evernote account that can be accessed on any device.
Evernote allows you to create a full-blown note organization system. If you are managing multiple clients at a time, their notes can be accessed in one central place. This makes it easy for you to find and share them with your clients.
It's been named "the best note-taking app", and we happen to agree! You can create to-do lists for your clients, share your thoughts and ideas, and collaborate inside the documents for a streamlined process in between sessions.
Keep in mind that while it is free to get started with Evernote, you will have to upgrade if you want more storage and features. But with plans starting at $7.99/month per user, you'll be able to take notes and organize your documents without breaking the bank.
Google Drive
This might be a tool you are already using, but we wanted to make sure we mentioned it in our list. Google Drive allows you to not only keep notes stored in the cloud like Evernote, but you can also create slideshows, spreadsheets, and other types of collaborative documents.
You may also want to store photo galleries, videos, and other file types. Google Drive makes this simple by storing everything in one place. With a free Google account, you have instant access to Google Drive from any device.
If you need a central place to store all of your questionnaires, client notes, contracts, invoices, and other documents, Google Drive could be what you're looking for.
What if you want to communicate with your coaching clients over text, but you don't want the SMS messaging fees that come along with it? Whatsapp is a simple and secure way to message and call people in your network by using your internet connection.
If you want to communicate through text with clients who are overseas, Whatsapp is the perfect way to keep all of your communication in one place without expensive data charges. You can utilize the app on your phone or desktop.
Some coaches prefer not to communicate with clients using their personal number through Whatsapp, but others find it easier to incorporate into their internal process than emailing. It's all about what works best for you.
If you want to test it out, you can download the app for free on any iPhone, Android, PC, or Mac.
We updated this post in 2020 with lucky #13, a new player in the scene called Paperbell.
If Satori appeals to you but you'd like to check out other options, Paperbell is an interesting contender. Their focus is on integrating payment and scheduling into one smooth process so that your clients are only shown scheduling options after they pay. This eliminates the need for invoicing or trying to figure out who has paid and who hasn't.
Paperbell hosts and processes payment for your coaching packages. They offer a wide variety of types of packages including sessions-per-month subscriptions, one-off sessions, and free sessions. Unlike Satori, you can connect a Stripe or PayPal account (Satori is PayPal only).
If you've been looking for an all-in-one coaching tool that handles scheduling, payment, keeping track of how many sessions are left, and client management, Paperbell is a solid option.
We have a coaching tool challenge for coaches!
Now that you've read through a dozen options, what coaching tools feel like your best fit?
If you still aren't sure, no problem! That means it's time to experiment with a few to see which one you might want to use within your coaching business.
We challenge you to choose at least one coaching tool from this list to test this week. Pick a few features that caught your eye and see how you like them once you are inside the tool. You never know until you try it for yourself!
Many of these tools have a free, no-obligation trial so there's no risk in giving these tools a shot. You may find your new favorite coaching software!


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At SheKnows Food, we spend a lot of time reading about — you guessed it — food (and drinks too!). And we've come across some stories that are too good to not share. Here are the food items from the week that you don't want to miss.
1. Say "bye!" to your butcher, and get meat from a lab
It sounds like something out of science fiction, but meat grown in a lab is actually here. With the high cost of raising conventional beef and increasing worldwide demand for the stuff, it kind of makes sense. But how is it made, and what does it taste like? Find out in this video. — The Huffington Post
More: A rare box of all-marshmallow Lucky Charms cereal could be yours
2. Your drive-thru experience is about to get more personal
Drive-thrus are super convenient, especially when you're getting your morning coffee and aren't quite ready to be seen in public yet. But ordering through those staticky boxes can be tricky, and shouting back and forth, trying to figure out if your barista knows you ordered an iced coffee and not an iced latte can get old. But Starbucks' new drive-thru video screen program, which would allow customers to have face-to-face time with their barista and see their orders pop up on a screen, could help change all that. And if it makes getting our caffeine fix easier, we're all over it. — Delish
3. Burgers stacked with flavor
These days, anything you can put on or stuff into a burger has seemingly been done. But what about the bun? Burger King may be bringing us to the next frontier of flavor with its A.1. Sauce-infused black bun on its Halloween Whopper. And we can't forget Wayback Burgers' Crispy Chicken Sriracha Sandwich and its Sriracha-infused buns. We're all for flavor, but another trend that seemingly won't die is the colored burger bun — McDonald's just introduced a gray bun in China, and this year black buns finally made their way from Asia to the U.S. Can we advocate for combining the trends and creating an orange Doritos Locos bun? You're welcome, fast-food bigwigs! — The Huffington Post
More: Bagged spinach recalled due to possible salmonella contamination
4. This baked goods food additive is causing a cancer scare
The Environmental Working Group recently discovered 86 breads and baked goods that contain potassium bromate, a possible cancer-causing additive. Potassium bromate is used to give commercially baked goods a firm texture, help them rise and to give them a bright white color when baked, but the substance has been linked to cancer and tumors in studies done on animals. Several countries have already banned or begun to regulate the use of the substance, but California is the only state in the U.S. that requires a warning label on food that contains the ingredient. — Los Angeles Times
More: Caramel apples may carry deadly health risk, but there's a way to stay safe
5. Ice cream lovers, prepare to be thrilled
Finally, after a nearly crippling listeria outbreak, Jeni's Splendid Ice Cream is returning to store shelves by Oct. 22. The company first discovered the contamination in April, and a second outbreak in June caused it to shut down its scoop shops and destroy a half-million pounds of ice cream until it could figure out the source of the problem and how to prevent any future contamination. Luckily the company has cleaned up its act and was able to survive the financial hurdles thrown its way in the meantime, and it will be back just in time to start selling its seasonal fall flavors. — Eater


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5 Takeaways From NASCAR's 59th Annual Daytona 500
For Monster Energy, their tenure as NASCAR Cup Series title sponsor couldn't have gotten off to a better start. The car they sponsor, Kurt Busch, wound up in Victory Lane at the 500, the veteran breaking a 0-for-15 drought in the sport's biggest race. Their Monster Girls, while wearing less clothing than some wholesome fans thought necessary, made the type of glitzy, PR splash that got them positive attention and distracted from a soft activation (How soft? It was near impossible to find Monster Energy drinks at Daytona. Can you imagine, a sold-out crowd of 101,000 and you don't make your drink available in the infield for race one!)
Most importantly, the sport's TV ratings, the subject of continued criticism in the face of a $4 billion 10-year deal suddenly showed some signs of life. Overnights for the 500 were up seven percent in the Nielsens; final numbers will likely push higher for a race that featured 37 lead changes, including three in the final three laps. The winner was in doubt until the final turn; Busch himself led only once, the first Harley J. Earl trophy holder in history to only be in front for the last lap.
It was the type of parity that bodes well for NASCAR in what must be a recovery year for 2017. Here are five storylines that remain from the 500 this Tuesday I expect to play out over the next few weeks of the season…
1. New Car. Stewart-Haas Racing? No Problem.
Busch's 500 victory put the bow on a very successful Speedweeks for Stewart-Haas Racing. The team, which switched from Chevy to Ford in the offseason entered Daytona shrouded in controversy. Danica Patrick's primary sponsor, Nature's Bakery, opted out and promptly filed a lawsuit against the team; Tony Stewart's replacement behind the wheel, Clint Bowyer, remained without a primary backer after 5-Hour Energy deserted him for Toyota. The team also was adjusting to a new set of alliances, Team Penske replacing the Hendrick Motorsports affiliation that was crucial in earning SHR's two championships, with Stewart in 2011 and Kevin Harvick in '14.
Turns out all those obstacles did nothing to weaken the resolve of the four-car operation. Harvick, while failing to win during Speedweeks, led the most laps in the 500 (50) and was the favorite to win before getting caught up in one of the race's big wrecks. Patrick started the week fourth in the exhibition Clash, ran top 10 in each of the race's first two stages and looked competitive until she, too, got caught up in a crash along with Bowyer.
"It was definitely the right race for us," she said. "We were having a really good weekend. The most fun I had at Daytona."
SHR can only hope such confidence carries over to the non-plate tracks, intermediate ovals where Patrick has mostly struggled throughout her career.
And then there's Busch. Arguably holding the strongest resume of any active driver without a 500 win, he finally checked that off the bucket list with the perfect mix of staying within the lead pack and conserving fuel. Despite being involved in a crash himself, like 35 others in the 40-car field, crew chief Tony Gibson did the perfect patch job and kept the No. 41 capable of running near the front.
Their reward? A 500 victory just two years after Busch was suspended from this race due to domestic violence accusations. (The allegations from ex-girlfriend Patricia Driscoll, never proven have been replaced in the limelight with the sheer happiness of Busch with new wife Ashley Van Metre.)
"Here we are sharing Victory Lane together as a team, with my new bride, a crew chief that grows up in the shadows of the grandstands here at Daytona," he said. "For (co-owner) Gene Haas to believe in me years ago... this is an incredible feeling."
Co-owner Tony Stewart, once skeptical of the hire is now more than on board. After going 0-for-18 in the 500 during his own career, he joked, "If I knew all it took was retiring to win the 500, I'd have done it years ago."
2. Segment Racing = More Aggression
NASCAR's new format, splitting the race into three segments with points scored after each one, changed the style of racing throughout the day. The side-by-side action, always a part of plate racing was fast and furious almost continuously through the pack. The aggression was more than we've seen at Daytona in about a decade, in particular toward the end of each segment and from 45 to 25 laps to go in the race.
That said, more action meant more mangled sheet metal and a dip into the pocketbooks for car owners. Some were unnerved by the level of crashes throughout the race; during a 42-lap stretch from Lap 106 to Lap 148, wrecks eliminated 15 cars, some 38 percent of the starting grid, while making several others look like they just completed a race at the short track of Martinsville – not a 200 mph superspeedway.
Still, reviews for the format were mostly positive as drivers agreed NASCAR had to do something to shake up the monotony of racing early in 500-mile events. The hope is with these shorter segments, splitting most races into three "sprints" between 150 and 200 miles, the end result is better competition and more fan support.
"Isn't that what we're trying to do, make some of these races more exciting throughout the middle of the race?" said third-place finisher AJ Allmendinger. "In the past, you've seen a lot of single-file racing. (Now,) everybody is constantly trying to position themselves to win the race. We're going to drive as hard as we can.
"Isn't that what we want? If nobody's watching, it doesn't matter."
3. Dale Earnhardt Jr. is Fine
The sport's Most Popular Driver had a very well-documented comeback at Speedweeks. And while the end result didn't sit well with Junior fans, most of whom left the track after he was involved in a wreck at Lap 106, the 42-year-old proved he's back to 100 percent after losing over six months to post-concussion syndrome.
"I really enjoyed the whole week," he said. "We had a lot of fun. Everybody was looking forward to getting back to the racetrack. It meant a lot to me. I'm just sorry we weren't able to deliver a better result for all our fans. We had a great car.
"At least we went out leading the race. It's going to be a fun season and we've got pretty high spirits."
Earnhardt, who insisted his health was great following the hit, will race for the next few months before deciding on whether to sign one final contract extension with Hendrick Motorsports. So far, it looks like he'll be fine and the decision will be his to make, not forced by his health. Leading eight laps and running top 5 at one of his favorite tracks will certainly help push him to stick around.
4. Toyotas Have Tough Start
Remember last year, when the Toyotas spent most of the day running 1-2-3-4-5 in their dominance of the Daytona 500? This time around, not a single one finished inside the top 5 and only one cracked the top 10 (a retiring Michael Waltrip ran eighth in his final NASCAR start).
It was a weird week for a group that will have their share of growing pains going forward. Martin Truex Jr. and Furniture Row Racing, in particular appeared to have their hands full after expanding to a second car in the offseason with Erik Jones. Their chassis came to Daytona out of balance, Jones was never competitive (making the rookie mistake of missing his stall) and Truex was a step behind most of the week.
For a split second, it looked like it might all work out. Truex inherited the lead when pole-sitter Chase Elliott ran out of gas on lap 197 but couldn't hold it, eventually running out himself en route to 13th.
The heartbreak felt there was more like frustration foe Joe Gibbs Racing. Kyle Busch blew a tire, causing the day's first big wreck, and wound up 38th after winning the race's first stage. Busch, who let his emotions boil over criticized Goodyear for "not having tires that hold air" and may now be the best active driver winless at the 500 following the win of older brother Kurt.
But Kyle Busch's problems at the 500 weren't just due to Goodyear. Toyota had a bizarre strategy of trying to short-pit in the early segments, hoping to end them in the lead by creating their own draft behind the leaders and gaining on the pack until the rest stopped. It didn't work. Their draft was three-tenths of a second slower when all were hooked up together and the whole experiment, while noble, just became a bit of a waste.
5. Underdogs Can Still Have Their Day... At Plate Tracks
The wrecks littered contenders all over the Daytona garage but, as is often the case in plate races, it gave underdogs a chance to step up. Aric Almirola, running a single car for consolidated Richard Petty Motorsports, gave the team a top-5 finish (fourth) after going without one in 2016. Ditto for Paul Menard (fifth), coming off one of the worst seasons of his career for Richard Childress Racing.
Further back? Michael Waltrip was eighth in that last start, driving for underfunded Premium Motorsports, who scored their first top 10 as an organization. Go Fas Racing, a single-car Ford team followed suit with Matt DiBenedetto (ninth), just the second top-10 finish of the third-year driver's career.
And then? There's Brendan Gaughan. Driving for a team in Beard Motorsports that was running their first Cup race, he ran 11th, his best effort since he was a rookie on the Cup Series way back in 2004. It was a best-case scenario for a team only scheduled to run the plate races this year.
That extended parity, perhaps is the next test for NASCAR as they look to build upon Daytona's momentum. A handful of these smaller teams won't be entered at Atlanta, simply because the chance of a strong finish will likely elude them at intermediate tracks. The sport needs to find a way to bring unpredictability to all its speedways in hopes of convincing more owners to jump on board and run the full schedule.
— Written by Tom Bowles, who is part of the Athlon Contributor Network and the Majority Owner of NASCAR Web site Frontstretch.com. He can be reached at email@example.com or on Twitter @NASCARBowles.
(Photos by ASP Inc.)


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The Kepler Space Telescope, a designated planet-hunting satellite, has found its first five planets, among them an odd, massive world only as dense as Styrofoam.
The number of planets now known outside the solar system has risen to more than 400, but none is yet Earth-like enough to harbor life. Right now, Kepler can only detect large planets orbiting close to their stars, which means that these first planets are too hot to hold liquid water, a requirement for life as we know it.
But over the next year, the mission's scientists will be homing in on ever more life-friendly places.
"We expected Jupiter-size planets in short orbits to be the first planets Kepler could detect," said Jon Morse, director of the Astrophysics Division at NASA in a release. "It's only a matter of time before more Kepler observations lead to smaller planets with longer period orbits, coming closer and closer to the discovery of the first Earth analog."
Kepler is pointed at a single field of stars in the constellation Cygnus. By watching the same stars over time, the mission can detect the periodic dimming of those stars, a possible indication that a planet has passed in front of the star. Finding an Earth-like planet will probably take quite awhile, though, because if it has an Earth-like orbit, it will take around a year to cross in front of its star just one time.
The current set of Kepler planets are not much like ours at all. The smallest is 0.4 times the size of Jupiter, while the largest is 1.5 times the largest planet in our solar system. They are all very hot, too, running between 2,200 and 2,900 degrees Fahrenheit. They have been given the catchy names Kepler 4b, Kepler 5b, Kepler 6b, and Kepler 7b. (Kepler 1b-3b were assigned to previously known exoplanets in the telescope's field of view.)
Still, the planet detections show that Kepler is in great working order as it monitors its sample of the sky. The precision of the instrument has astounded scientists since its first light.
"This exquisite data is just the tip of the iceberg," MIT astronomer Sara Seager said back then. "We're going to see a new world of exoplanet exploration where discoveries will come much more rapidly than they've come in the last 10 years."
The mission, championed for more than a decade by Bill Borucki, a NASA extrasolar planet specialist, looks like it will be capable of completing all of its scientific goals. That means it's just a matter of time before we find an Earth twin or two out there in the light-years beyond.
Image: NASA exoplanet rendering.
See Also:
- Most Earth-Like Extrasolar Planet Found Right Next Door
- Kepler Shows Exoplanet Is Unlike Anything in Our Solar System
- Extreme Exoplanet's Wild Ride
- Smallest Exoplanet Is Most Earth-like Yet
- Astronomers Find Hidden Exoplanet in Hubble's Dustbin
- Stellar Lithium Points Way for Exoplanet Hunters
- Aack, No Brakes! Giant New Exoplanet Goes the Wrong Way
WiSci 2.0: Alexis Madrigal's Twitter, Google Reader feed, and green tech history research site; Wired Science on Twitter and Facebook.**


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Material and methods: We investigated the microbiological efficacy of intravenous immunoglobulins (IVIG) in 34 premature newborns (birth weight was from 960 to 2750 g) with respiratory distress syndrome, those who were on hardware artificial ventilation of the lungs. The infectious complications did not develop in 20 infants (group I), and tracheobronchitis developed in 14 infants (group II). The infants in group II, along with basic therapy, received IVIG from the second day of life for three consecutive days. Results: The use of IVIG showed a high microbiological efficiency, which was in 86% of patients within a day from the start of treatment. The greatest inhibition of growth is observed in relation to bacterial microflora and intracellular microorganisms. The lowest effect was shown in relation to Candida albicans. A stable effect of IVIG was observed in all newborns within three days after the course of immunotherapy.


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Beyond their remarkable success despite losing Gordon Hayward on Opening Night, the Celtics are in a truly unusual situation. They still have a very strong collection of assets, both in the form of young players and future draft picks, some of which are significant contributors to this successful season. While Boston has limited salary cap flexibility moving forward �� and thus will not be major players for free agents other than by minimums and Mid-Level exceptions �� general manager Danny Ainge deserves credit for retaining the ability to acquire star talent via trade even after bringing in Kyrie Irving and Hayward this summer.
Ainge zealously kept Boston's books clear of unnecessary contracts for years with the aim of bringing in an All-Star talent without having to pay a ransom to unload bad money. That worked out incredibly well over the summer when the front office only needed to clear a small amount of money to fit in a full max salary for Hayward.
It has been a strange and vaguely disappointing season for D'Angelo Russell. He has been injured for about half of it, and spent the other half shooting and missing a lot. Russell perked up Tuesday in Cleveland, but he has hit just 38 percent — and 27 percent from deep — since returning from knee surgery.
Russell has used 32.4 percent of Brooklyn's possessions with a shot, turnover or drawn foul, fourth-highest among all rotation players, behind only James Harden, Russell Westbrook and Joel Embiid. That is a little much. His turnover rate is icky.
Golden State is coming off a championship season, and Steve Kerr's squad didn't meet much resistance throughout the 2017 playoffs. The Warriors currently have the best net rating (plus-9.6) and offensive rating (113.4) in the NBA, plus a top-10 defensive rating (103.8). They lead the league in assist percentage (70.2) and true shooting percentage (61.1) by sizable margins. This is a finely tuned machine and clearly the team to beat. How much better would James really make them?
The difference between then and now is that the team's back is against the wall (no pun intended). Earlier in the season, Wall was at most out for a couple contests at a time. The team's best playmaker would be back to help them compete another day, even if he was not at 100 percent.
Now, things aren't so easy. When the length of Wall's injury was first announced, the Wizards were positioned as the fifth seed, and dropping out of the East playoff picture was just a few losses away. Anything less than perfect wouldn't do, and that's what the Wizards have tried to become. With this recent stretch, the team has realized if they don't move the ball around to create good looks, baskets won't happen without Wall around to force feed them.


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* Colour appearance may vary due to monitor settings
* In some images the SAVVI sac is shown with additional products from the SAVVI line, or additional SAVVI sac collections.


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Ant-Man Out Scores Pixels on a Slow Weekend
Our number one film this week is still Marvel's Ant-Man, which managed to run the table against three new major releases. Earning close to 25 million dollars in the frame, Ant-Man retained the top spot for its second weekend, just eking out a win over Happy Madison's Pixels. The pint sized super hero flick has managed to clear the 100 million mark domestically.
Adam Sandler's latest offering, Pixels, came in a disappointing second with 24 million in domestic earnings. If you want to know what a let down that must be for Happy Madison productions, consider that it is not only weaker than both of the Grown-Ups films, but is even softer a debut than Jack and Jill. You have to know that the brand is damaged when you under-perform that piece of trash!
Minions swept up third place, while Trainwreck continued to gain steam at the fourth position. The big news was that neither of the other new films, Southpaw (starring Jake Gyllenhall) and Paper Towns (from the author of A Fault in Our Stars) seemed to have any traction in a week where the box office was pretty weak. The whole field of top ten movies together managed less income than Jurassic World created on its debut, by itself.
While Southpaw performed within the acceptable range of sports dramas, its becoming apparent that the genre is increasingly a liability at the box office. Even "hits" like Friday Night Lights have barely cleared the 20 million dollar bar recently. With such stingy pay-days, its going to be hard for this type of movie to keep attracting top level talent, especially when Oscars in the genre have been hard to come by lately.
Paper Towns massively under-performed its older sibling, A Fault in Our Stars, as I hoped it would. The story here was weak and patronizing, using the laziest teen romance cliches.
Towards the end of the list, indie sensation Mr. Holmes managed to sustain it's momentum while blockbuster come-back vehicle, Terminator Genysis continues to underwhelm. Mr. Holmes doubled its theater reach from 300 to 600 and managed to pick up another 3 million dollars for its effort. This film is shaping up to be a darling amongst the awards crowd, so expect it to continue to expand to more outlets as its reputation grows.
While Terminator is apparently prime for deletion at the domestic box office, save your tears. The film has made over 200 million abroad. Besides, Arnold is a machine, and though he knows now why you cry, he realizes it is something he can never do…
Top 10 Films July 24-26
1. Ant-Man (24.7 Million)
2. Pixels (24 Million)
3. Minions (22.1 Million)
4. Trainwreck (17.3 Million)
5. Southpaw (16.5 Million)
6. Paper Towns (12.5 Million)
7. Inside-Out (7.3 Million)
8. Jurassic World (6.9 Million)
9. Mr. Holmes (2.8 Million)
10. Terminator Genysis (2.4 Million)


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About Heather
Ms. Lewis-Charp has expertise in women's philanthropy and violence prevention. She served as the project director of evaluations for the Women's Funding Network, BlueShield Foundation of California, and Ms. Foundation, including evaluations of culturally responsive approaches to ending domestic violence and online advocacy. She also has served as the project director and lead analyst of large-scale systems efforts to address youth violence in Baltimore, Philadelphia, Milwaukee, Chicago, Orlando, and other cities across the country. Finally, she has published extensively on the importance of racial identity development and civic engagement in healthy youth development and has a deep passion for evaluating youth-led social change efforts.


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Stock Market investment is a very large industry, with many millions of individuals and households investing in stocks in many parts of the world. In the USA, over 20% of all households own stocks directly and that figure jumps to almost 50% when managed funds are taken into account (Bucks, Kennickell, Mach, & Moore, 2009). In Hong Kong, 35% of the adult population invest directly in stocks (HKEX, 2008). Almost 50% of the adult population of Australia own shares directly and half of those monitor their investments weekly (ASX, 2004).
A significant proportion of these investors now conduct at least some of their investing activities online. In many of these markets, online brokers have taken over as the predominant channel for retail investors. Given that online trading and investing is a significant e-service industry, it is surprising that there has been relatively little research conducted in this field. Kirsty Williamson and Dimity Kingsford-Smith conducted a qualitative pilot study in 2004 that involved interviewing investors about how they seek information on the internet (Kingsford-Smith & Williamson, 2004). One of their reported observations was that many of the investors interviewed sought information and conducted activities both online and offline at the same time. They found that the primary online information source investors used was their broker's website. They reported that all their investors spoke to others about investing and sought advice from trusted family members, friends or colleagues – with few investors using online forums such as chat rooms. For some investors, there was also a community or hobby aspect to their investing activities – they were part of an investment club or often communicated with others about investing, both online and offline (Kingsford-Smith & Williamson, 2004).
How people use information systems has been a prominent research question for many years, and yet researchers have recently stressed how little we understand about system usage (Burton-Jones & Gallivan, 2007). "Despite being an important construct, IS use is still weakly conceptualized and operationalized as frequency, duration, or variety of system functions used" (Barki, Titah, & Boffo, 2007). "Researchers must also consider the nature, extent, quality, and appropriateness of the system use" (DeLone & McLean, 2003). Burton-Jones has proposed that system usage should be investigated by taking three elements into consideration: the System, the User and the Task. He has classified system usage measurements from 'Very Lean' to 'Very Rich' (Figure 1) (Burton-Jones & Straub, 2006).
Richness measures
A great deal of research has investigated why people use information systems. The research reported here was looking at the way they are used; the nature of the interactions between the technology and the person. This study, of the nature and practice of use of technology rather than the reasons for its adoption, is particularly apt for the application of actor-network theory and allows investigation of the 'very rich' nature of technology use.
An extensive study using an Actor-Network Theory approach was conducted. The results of the wider study are reported elsewhere. The purpose of this paper is to present an unusual finding that emerged within the study. The contention presented here is that an enduring network of mostly non-human actors has, in effect, produced an ongoing translation of humans.


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Further VAR Evidence for the Effectiveness of a Credit Channel in Germany
Applied Economics Quarterly 49, 2003, 359-381
In this paper, the empirical relevance of the credit channel for the explanation of monetary policy transmission in Germany during the period from 1985 to 1998 is analyzed. While existing studies of the credit channel rely mostly on the analysis of monetary policy effects on balance sheet items, both quantities and financing costs are considered here. Using vector autoregressive models, impulse response analysis and forecast error variance decompositions, strong empirical evidence for the effectiveness and relevance of a credit channel in Germany can be reported.


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5 years ago, I embarked upon this wonderful city. As I arrived in Sydney and began the journey up to Newcastle, I remember thinking, "This doesn't look too much different than the states." It had suburbs and houses all in a row. It had the occasional McDonalds (Maccas) and Subway. It had K-Mart. Cars. Mailboxes.
The next logical thing to ask me is what in the world I was expecting! Haha
I remember about a month into being in Australia, I took the bus one Monday morning into town by myself and just started to explore the city. At that point, I didn't know that God was going to speak to me about coming back on staff, but I did know during that morning adventure that I really loved this city. I loved the cafes, the beaches – and I remember having this fleeting thought "I could live here."
I could write an entire post about wonderful things in this city, but I'm just going to narrow down a few that I think make it distinct and an incredible mission field. (If you want some more specifics, check out this article.)
Here are 5 Things I Love About My Mission Field
1. Store and Business Hours
This may seem like such a small thing, but it's something I noticed straight away. Places close. Most stores shut their doors each day at 5, some cafes close at 3, some places are closed on Sundays, whether by Christian values or not, and everyone is a-ok.
Coming from a country where everything stays open at every possible hour and on holidays (or parts of them) and Black Friday seems to start on Tuesday now – it's refreshing to see a different priority here. The amazing thing is that no one seems phased by it, and maybe that's because it's been this way forever.
I remember mentioning to someone at home once that the malls here close at 5pm except for on Thursdays for "Late Night Shopping", and they said, "When would you go shopping?!?!" It seemed such an incredulous idea to them that anyone should be ok with this, but I think it's so brilliant.
Maybe it's the hope of people going home and being with family. Maybe it's the desire to prioritise other things in an otherwise materialistic world. I don't know who thought of it or why this is the way it is here, but I do know I love this about Newcastle (and Australia really).
2. Youth
A big part of ministry here at our centre is geared towards youth, and although I don't directly work with that ministry each week, I see youth all the time. They are so smart and funny and great people.
I love seeing them grow in our youth program. Just last week one of the teams performed a musical/play in front of all of us and some parents and guests, and one of the crew (our word for young people to be inclusive) had a main role that blew me away. I've seen this crew over the last couple years go from painfully shy to confident actor. After the production, I made him a hot chocolate and told him what a great job he did. He seemed so proud of his newest venture, and I cannot wait to see him continue to grow.
The young people here are passionate, and they love when people see them and include them. They want to be part of the team, and that's what we are trying to do. Whether I am doing that ministry full-time or not, I really love the young people in this city!
3. Healthy Culture
Another thing I quickly noticed about Australia is an overall desire to be healthy. No, it's not perfect here. There are still McDonalds every few blocks and plenty of junk food to go around.
The main difference though is the dining out culture. You have fast food, fast casual and sit-down restaurants. In the States, you have all of those, but I think there are two categories with sit-down restaurants – 1) chain & fast sit-down (i.e. Chiles, TGI Fridays, etc.) and 2) proper sit-down restaurants, which aren't typically chains.
In Australia, if you go to a restaurant or cafe, you'll get great food. Incredible salads full of flavours (shoutout to Goldbergs' amazing Kumera salad!), wonderful meats, vegetables and more. There's a general care for what you eat and tasting the richest of flavours.
I appreciate that there is a value of that in Newcastle, whether or not it's in every place at every moment. It's still very real, and it's something I've noticed from the beginning of my time here.
To top that off, there's a great exercise culture – runners outside, surfing, bike riding. It's great. The gyms are certainly not as "affordable" as in the States, but other than that, it's a great "fit" city!
4. Surfers, Hipsters, Businessmen, and More
There is a great diversity of people here. I am not necessarily referring to ethnicity, although there is a bit of that, but more "types" of people. There is a much broader diversity of ethnicity in Sydney.
In Newcastle, though, you will walk along the beach with the surfers to your left and look up to the street lined with cafes and hipsters making coffees. Approaching the cafes, you'll see men and women in business suits grabbing their coffee on the go.
There are athletes and fashionistas. There are families with children. There are teenagers. And musicians.
There are so many categories of people, and I love that they all fit in this city and live and work alongside one another.
5. Church Unity
Another thing that was apparent within the first few months of living here was that churches here work together, not in competition. There are many events that happen yearly that are church events…as in the broader word "church", not a specific one. I love this. It's apparent that
everyone is keeping the main thing the main thing – reach the city of Newcastle.
It's funny how caught up we get in things that only take us away from the main thing. Robbie says that we need to remember that the distance between what we agree on is much shorter than the distance between what we disagree on and that's good. It's good because it creates unity and framework to working together.
Rick Prosser, a local Christian pastor in Newcastle, leads Kingdom Works, which is a huge catalyst for this unity in our city. Here is the vision:
Kingdomworks Inc. is primarily a catalyst for unity and mission in our region. It is about serving and connecting the body of Christ towards the cause of Christ, that we see a region won to Christ. We believe firmly that a united church will usher a sovereign move of God in our region!
I love that our churches work together, and I think it has majorly strengthened what God is doing in the city. Just last year, all the churches in Newcastle came together for City Serve, a yearly opportunity to gather and serve the community, and we redid all of the surf clubs, which obviously affect a lot more people than just Christians. It was amazing to see the unity within all the churches, as well as the effect on our city!
I could write so much more about this city that I love. I have come to love it more and more as I have lived here and met more people and saw more of it. God is moving, and even in this western country, He is needed.


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I know that many of you are curious as to what our church looks like from the inside. So I snapped just a few pictures the other day for you.
Ths is the front of the church. Our alter is made out of stone and when we go up for communion we make a circle around the alter.
We are decorated for Christmas so you can see the tree and the advent wreath. We truly feel blessed to be members of Concordia Lutheran. The people here have made us feel right at home.
This is a video of Ansir singing with Pastors children. Pastors children range in age from 15yrs to 7 years old. They are all learning Latin and will be singing Oh Come all Ye Faithful in Latin for Christmas day. I know that the video might be hard to see because we had the lights off and you might not be able to hear Ansir very well. We are trying to get him to sing louder so hopefully Christmas moring he will sing out loud and strong.
Oh yes you may want to pause the music player to the right so that you can hear the video.


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A UK study found that prescribing antibiotics to women at risk of giving premature birth could increase the threat of their babies developing functional impairments and Cerebral Palsy. The study was aimed at testing whether the antibiotics erythromycin and co-amoxiclav would delay premature birth but a follow-up study instead revealed that the children of the women receiving the drugs had developed impairments at an increased rate. Specifically, children of women given erythromycin were found to be 18% more likely to suffer functional impairment and when women were prescribed both antibiotics their children's risk of Cerebral Palsy nearly tripled, with 4.4% of their babies developing the impairment compared to 1.6% for mothers who were not prescribed the antibiotics.
Experts caution, however, that women with signs of infection should not feel reluctant to receive antibiotics because infections can represent serious risks and they point out that, in the study, the drugs were issued to women with no signs of infection.
To read the full story, click here.


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The practice for classifying goods and services in Mexico has undergone many changes over the years, in response to local necessities and amendments to classification from an international perspective.
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Carlos González, Becerril, Coca & Becerril, Nice Classification, WIPO, IMPI,


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Centene's Kansas Subsidiary Awarded Commendable Accreditation Status From NCQA
ST. LOUIS, Oct. 7, 2016 /PRNewswire/ -- Centene Corporation (NYSE: CNC) announced today that its wholly-owned Kansas subsidiary, Sunflower Health Plan, has received national Health Plan Accreditation with a Commendable status from the National Committee for Quality Assurance (NCQA). NCQA Health Plan Accreditation evaluates how well a health plan manages all parts of its delivery system – physicians, hospitals, other providers and administrative services – in order to continuously improve the quality of care and services provided to its members.
"Earning Commendable NCQA Accreditation is an important milestone in Sunflower Health's commitment to quality and performance improvement across services," said Rone Baldwin, Executive Vice President, Markets at Centene.
"Achieving an accreditation status of Commendable from NCQA is a sign that a health plan is serious about quality," said Margaret E. O'Kane, president, NCQA. "It is awarded to plans whose service and clinical quality meet or exceed NCQA's rigorous requirements for consumer protection and quality improvement."
Sunflower Health is a Medicaid managed care health plan that serves more than 145,000 members. The network currently includes 173 hospitals and more than 20,000 contracted providers and facilities.
The NCQA is a private, nonprofit organization dedicated to improving health care quality. The NCQA accredits and certifies a wide range of health care organizations. It also recognizes clinicians and practices in key areas of performance. The NCQA is committed to providing health care quality information for consumers, purchasers, health care providers and researchers.
About Centene Corporation
Centene Corporation, a Fortune 500 company, is a diversified, multi-national healthcare enterprise that provides a portfolio of services to government sponsored healthcare programs, focusing on under-insured and uninsured individuals. Many receive benefits provided under Medicaid, including the State Children's Health Insurance Program (CHIP), as well as Aged, Blind or Disabled (ABD), Foster Care and Long Term Care (LTC), in addition to other state-sponsored programs, Medicare (including the Medicare prescription drug benefit commonly known as "Part D"), as well as programs with the U.S. Department of Defense and U.S. Department of Veterans Affairs. Centene operates local health plans and offers a range of health insurance solutions. It also contracts with other healthcare and commercial organizations to provide specialty services including behavioral health management, care management software, correctional healthcare services, dental benefits management, in-home health services, life and health management, managed vision, pharmacy benefits management, specialty pharmacy and telehealth services.
Centene uses its investor relations website to publish important information about the Company, including information that may be deemed material to investors. Financial and other information about Centene is routinely posted and is accessible on Centene's investor relations website, http://www.centene.com/investors.
To view the original version on PR Newswire, visit:http://www.prnewswire.com/news-releases/centenes-kansas-subsidiary-awarded-commendable-accreditation-status-from-ncqa-300341005.html
SOURCE Centene Corporation
Released October 7, 2016


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The government will remove the rule that allows for 16 and 17 year olds to apply for a discretionary waiver to marry.
'I want the 18 year age limit for marriages in Norway to be absolute. Although there are very few under the age of 18 who have been granted a dispensation to marry in Norway in recent years, this ban will send a significant signal abroad that we do not accept minors getting married,' said Solveig Horne, the Fremskrittsparti (Frp) Minister for Children and Equality.
In the past, both Høyre (H) and Arbeiderpartiet (Arp) have agreed to remove the exemption.
In order for minors to enter into marriage under the current rules, the parents, and the county governor must give permission. Last year, none of the county councils received any applications.
Foreign marriage
The government also proposed tightening, and clarifying the rules for the approval of foreign marriages.
'The rules for the approval of foreign marriages are complicated, and it has been unclear where the limits are for eligibility of these marriages under Norwegian law,' the government wrote.
Youth mobilised
'We congratulate the politicians in Norway, who have now agreed to change the Marriage Act so that under no circumstances can children get married in Norway,' said Secretary General, Kjell Erik Øie, of Plan International Norway.
'We in Plan are proud of the thousands of young people who have mobilised for collecting signatures, and organisingwhat can be said to be one of the most successful lobbying campaigns in modern Norwegian history. Now Norway can argue with credibility for changes in countries where child marriage is a major problem', he continued.
© NTB Scanpix / Norway Today


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The news that the Greenwich Board of Education voted 7-1 to appoint Dr. Toni Jones, the superintendent at Fairfield Public Schools (Peter Sherr voted nay) instead of the interim Superintendent Ralph Mayo, was announced Friday at 4:30pm, in what people is referred to in the news business as a "Friday news dump."
Many people don't pay attention to the news on Friday night and Saturday morning, so a "Friday news dump" is a good opportunity to slip negative news out to the public without too many people noticing it.
While the Friday news dump has existed as long as newspapers have been printed, what's new is the advent of social media.
On Facebook over the three-day weekend, residents vented their anger and disappointment that Mr. Mayo did was not selected for the job.
Reached by phone on Tuesday evening, Mr. Mayo, who grew up in Greenwich and has worked for Greenwich Public Schools for 41 years, said he had known for about two weeks that someone else was getting the job and had been disappointed.
"I applied for the job and wanted it. But, I had some time to come to terms with the decision," he said. "I'm really touched that I have all this support."
Mayo, who will continue as the interim Superintendent through the end of June said he needs to stay focused on the work at hand, starting with the budget.
"We haven't gotten it past BET and RTM," he said. "That will take a lot of time and energy. We have to stay focused. There's a lot of work to do."
As for the swirls of comments on Facebook, Mayo laughed. "I'm not on Facebook," he said. "I didn't see any of that."
And since he thought he might be fighting off the nasty cold that is going around town, he stayed home drinking tea and staying warm over the three day weekend. "My daughter is getting married next Saturday," he said. "I can't be sick."
And while he said he received a number of texts and emails of support over the weekend, he added, "We can't take our eye off the ball and start worrying about who got hired and why they got hired."
Asked if he would go back to his job as principal at Eastern Middle School, Mayo said he hadn't decided yet.
"That is my job if I want it. I am reflecting on that because it bumps a lot of people and disrupts a lot of stuff," he said, adding that Jason Goldstein who is serving as interim principal at Eastern Middle School, would go back to being Cantor House Administrator at Greenwich High School. Then, Christina Shaw, who is serving as the Interim House Cantor House Administrator, would go back to being a teacher.
"Do I want to disrupt a lot of stuff? Or do I want to do something else?" he said.
As for the job of Superintendent versus being principal of school, Mayo said, "It's a whole different world. You're in an office. In a school you have kids and teachers, and it was great. It's a whole different environment."
Subscribe to the daily Greenwich Free Press newsletter.
BOE chair Peter Bernstein said the timing of the Friday news conference was dictated by when the contract terms which were agreed to and their ability to get the Board together for a meeting. "We also wanted to have the ability to tell our own staff and community about the decision," he explained.
Bernstein said he understood the general disappointment from some people that Mr. Mayo was not selected. But, he said, "This was not a choice the Board made lightly. We undertook a detailed search and made a decision in the best interest of the Greenwich Public Schools."
Bernstein, who said he and the entire Board of Education are very fond of Mr. Mayo, shared a flyer the district produced to advertise the position.
The flyer lists the requirements the Board was seeking, including a visionary leader who inspires trust, and who is committed to a student-centered philosophy.
Other bullets included: Supports personalized learning, Promotes best practices in curriculum and instructional design, Uses data decision making to manage strategic change and improve student performance, Values, insists on and is adept at proactive communications and media relations, Builds consensus and commitment among Town Boards and stakeholders, Is comfortable in building and managing a budget with sound fiscal practices, and Has ability to oversee multiple projects or initiatives, providing clear direction and expectations.
"I would hope that people will give Dr. Jones an opportunity to succeed in Greenwich," Bernstein continued. "She is a visionary leader that will continue our progress in the areas of growth in achievement, personal and interpersonal skills. She has experience in similar districts and specifically within Fairfield County."
Reached by phone, Board of Education member Dr. Gaetane Francis said she too was very fond of Mr. Mayo, but wanted to point out some of Dr. Jones' qualifications that set her apart from all the other candidates.
"Toni had longevity," Dr. Francis said. "She had 13 years in Deer Creek school district in Oklahoma, which shows she can make a long term commitment."
"She has huge range of different types of experience from being a special education teacher, to elementary school principal, middle school principal and she has held cabinet level positions including chief academic officer," Dr. Francis continued. "And as a superintendent in a large district, she managed large capital projects, which is relevant for our master facility plan."
Dr. Francis said Dr. Jones also has a shared vision with regard to personalized learning and has effectively implemented change in districts with regard to personalized learning.
"There is a lot of experience and a wonderful attitude," Dr. Francis added. "She said 'Always the students at the center of every decision,' and, 'Always strive for joyful learning and teaching.'"
Mr. Mayo will continue as the interim Superintendent through the end of June and has offered to help smooth the transition for Dr. Jones.
See also:
Greenwich BOE Announces New Permanent Superintendent, Dr. Toni Jones
Greenwich Schools Convocation Kicks off with Standing Ovation for Ralph Mayo (Aug 2018)
BOE Votes Unanimously to Appoint EMS Principal Ralph Mayo as Interim Superintendent (June 2018)


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Tag Archives: Gaberial
Prime Creator Makes an Announcement
MOTHER/FATHER GOD Channel: Kathryn E May, PsyD Prime Creator Speaks: My Dear Ones, I do not often speak with you directly, but it is such an extraordinary time that I am taking this opportunity to tell you … Continue reading →
Contact Protocol, Glimpsing the New Earth and Increased Telepathic Ability
Channeled Pleiadian Interview: The following is an automatic writing-based "interview" with the Pleiadian High Council. Wes Annac: Hello dear friends, it's great to connect with you on this night. The Pleiadian High Council: We are overjoyed to connect with you … Continue reading →
Part 183, Destiny, Completion and Transcendence
The following is a note from Kathryn upon ending the week-long retreat into healing of 3-dimensional lifetimes and exploration of higher dimensional purposes, with a group of seven Women of Light, who had all become effective channelers by the … Continue reading →
Message from Sheldan Nidle
Right now, new monetary systems are coming into being, and with them come edicts announced by new governance, including revelations about a cover-up of truly staggering proportions. As you can imagine, these announcements will change your reality exceedingly, and … Continue reading →
A Letter to Humanity
As expressed through Michele Mayama, July, 2013 As we in the United States celebrated independence over the 4th of July, I had a quiet four day break from work and family. What follows began to come through one morning … Continue reading →
Part 176, Lifting All Boats
You are feeling the heat, as they say, are you not? The energies on the planet have reached an all-time high, as our high-vibe blast of Love washes over you, and so many of you are rising along with … Continue reading →
Message from Montague Keen
You are witnessing the final desperate attempts to hold the matrix together. As many of you wake up to the power of your own minds, you refuse to remain silent. You want to share your discoveries with others. You are finding … Continue reading →
Russell Forsyth Angel Whisper~Seven
Seven The number seven seems to hold great significance in various cultures, from ancient times to the present. A menorah holds seven candles. The Mayans believed in the seven steps to ascension. Muslims believe in the seven layers of the … Continue reading →
June 2013 Time for Your Presence to Lead the Way Part I This is an invitation to move the whole of your attention and your consciousness from your ego into the essential love nature of your Presence. This is … Continue reading →
June Solstice, 2013: Good or Bad News?" – A Saint-Germain Channeling
Dear Saint-Germain, I would like to ask you about how my life is going at this time, and also about how it will evolve during the next few years. It feels like I've started a new phase of activity, yet … Continue reading →


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Get the latest news and updates
Women's History Month/International Women's Day - Michelle Obama
Today is International Women's Day (IWD), and the theme for IWD 2016 is "Planet 50-50 by 2030: Step it up for Gender Equality." http://www.unwomen.org/en/news/in-focus/international-womens-day#sthash.ypuldrCi.dpuf. This year's theme highlights the continued focus and support that is needed for women's rights, and participation in political and economic areas. It is a day set aside to reflect on the progress that has been made, to continue the call for change and to celebrate the achievements of women who have played a role in shaping the history of their countries and communities.
Along with the celebration and recognition of IWD, March is designated as Women's History Month. The 2016 theme for Women's History Month is "Working to Form a More Perfect Union: Honoring Women in Public Service and Government." This year's theme highlights and honors women who have, through their public service and government leadership, played a role in shaping not only the history of America but also its future.
Clearly this is a time for all women to celebrate each other; to encourage each other in our endeavors, big and small; to lift up our fellow sisters and help them to be all that they can be; and to do all that they can do. Progressive Achievers will also give homage to women. Beginning today, and every month leading up to our 10-Year Anniversary Black Tie Gala to be held later this year, we will feature women in a variety of fields.
To kick things off, the first woman to be featured is none other than the First Lady of the United States of America, Michelle Obama. Michelle LaVaughn Robinson Obama is an American lawyer and writer. She is married to the 44th and current President of the United States, Barack Obama, and is the first African-American First Lady of the United States. Raised on the South Side of Chicago, she is a graduate of Princeton University and Harvard Law School. She spent the early part of her legal career working at the law firm Sidley Austin, where she met Barack. Subsequently, she worked as part of the staff of Chicago mayor Richard M. Daley, and for the University of Chicago Medical Center.
Check out this story on Michelle Obama http://www.bbc.com/news/world-us-canada-35719997.undefinedundefined


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The Republican Congressional staffer who pissed on Malia and Sasha Obama the other day has resigned.
Elizabeth Lauten, communications director for congressman Stephen Fincher, gave up her post on Monday.
Ms Lauten earlier criticised Sasha and Malia Obama on Facebook following their appearance in short skirts at a Thanksgiving ceremony.
Yeah she "criticized" them all right.
Her deleted post reads: "Dear Sasha and Malia: I get you're both in those awful teen years, but you're a part of the First Family, try showing a little class. At least respect the part you play.
"Then again, your mother and father don't respect their positions very much, or the nation for that matter. So I'm guessing you're coming up a little short in the 'good role model' department."
The post goes on to advise the girls to "rise to the occasion and act like being in the White House matters to you".
"Dress like you deserve respect, not a spot at a bar," she added.
That's barely even coded. It's all too easy to read what she's really saying.
Good riddance.


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What to Expect
You might be wondering, "What should I expect the first time I visit Ascension Lutheran Church?" We hope the answers to the following commonly asked questions will help you feel more comfortable the first time you are our guest at Ascension.
Does Ascension Lutheran like having visitors?
Yes! At Ascension we love it when people come as first-time guests to worship. It is our hope that at your first visit you feel welcome, and come away having met some of your fellow worshipers. We typically have hosts and hostesses who will greet you and answer any questions you may have. Pastor is also available in the lobby area before services and would be glad to meet you.
Is there an opportunity for Sunday school and Bible study on Sunday morning?
Yes! Each Sunday (with the exception of the month of August), Sunday school is offered for all ages from toddlers to adults. These classes meet from 9:45 am to 10:45 am.
Can I bring my child/children to worship at Ascension?
Yes! Ascension encourages intergenerational worship where children have the opportunity to hear God's Word and sing His praises along with their family. However, we also have a nursery area next to our lobby where families can take younger children for a "break." There are changing tables available in both the men's and women's restrooms as well.
What do most people wear to worship?
It is not required to wear a specific type of attire to attend worship at Ascension. Typically, worshipers dress more casually at our Saturday evening and Sunday 11 am services. At our Sunday 8:15 am service, many choose to wear their "Sunday best." For instance, it is not uncommon for men to wear a tie at this service.
Are non-Lutherans welcome at Ascension?
Yes! All are welcome to worship at Ascension and hear God's Word regardless of religious background. We do, however, take Holy Communion seriously. Worshipers who are members of other LCMS congregations are welcome to commune. For details, see the "What we believe" section of our website.
Which door is easiest to enter through?
Most worshipers choose to enter the building through the double red doors on Donovan Avenue directly across from Francis Park. These doors will lead up stairs to our lobby area.
Where do I park?
Like many churches in St. Louis city, Ascension does not have a parking lot that can accommodate our worshipers. On Sunday mornings, worshipers are asked to please park at a 45 degree angle from the curb with the vehicle's rear passenger tire against the curb. There is also ample parking on the picturesque streets surrounding Ascension.
Is there handicap parking available?
Yes! Ascension has a small parking lot which can be entered from the alley off of Loran Avenue. Most spaces on this lot are reserved for those requiring handicap parking. There is also an elevator available just inside the door adjacent to this parking lot.
Is there coffee available?
Yes! There is complimentary coffee in our lobby area.
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