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Mortgage Machine Services Releases Source Code for LOS

first_img Mortgage Machine Services (MMS), an enterprise lending solutions provider based in North Texas, will begin offering the source code to its flagship loan origination system (LOS) to the entire mortgage industry, the company said in an announcement.Previously hosted as a software-as-a-service solution for a select group of mortgage banks, the system—simply called Mortgage Machine—is a highly customizable origination platform created to support retail, wholesale, and correspondent lending.Jeff Bode, owner of Mortgage Machine Services, said the offering will allow users to tailor Mortgage Machine to their own environments and maintain compliance, all without purchasing a costly development kit.”Lenders are no longer at the mercy of enhancement requests to obtain an origination platform that provides the functionality they desire,” Bode said. “Mortgage Machine allows lenders to drive their own enhancement requests and be better poised to make changes with the flow of the industry, not to mention changing regulations, by working directly with the system’s source code.”He added that by offering the source code to lenders, Mortgage Machine Services is giving lenders the opportunity to differentiate themselves from competitors.To make the most of the system, he encourages lenders to consider all of the resources at their disposal.”Undertaking total ownership of your LOS isn’t to be considered lightly—you do have to have some infrastructure in place to handle a permanent project of this magnitude,” Bode said. “However, even if a lender contracts out the programming of Mortgage Machine customizations, they still come out ahead because they are in control of the direction the system takes. LOS vendors design their systems for use by multiple clients, but Mortgage Machine is customized for your needs alone.” Mortgage Machine Services Releases Source Code for LOS Share in Headlines, News, Technologycenter_img Company News Mortgage Machine Services 2015-02-05 Tory Barringer February 5, 2015 443 Views last_img read more

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first_img Top Stories Grace expects Greinke trade to have emotional impact LISTEN: Bruce Arians, Cardinals head coach “We definitely would love to have him back.” Your browser does not support the audio element. Comments   Share   When March 8 rolls around, expect the Arizona Cardinals to be very busy.That’s the day NFL teams can begin contacting and negotiating with free agents and make qualifying offers to restricted free agents.According to Arizona head coach Bruce Arians, the team’s general manager, Steve Keim, will be busy calling players when the clock strikes 12:01.“We probably have five,” Arians told Doug and Wolf Friday on Arizona Sports 98.7 FM when asked if there was a specific early target for the Cardinals. “Steve and I have the same philosophy, ‘here it is, do you want it? I’m going to ask this guy in about a half an hour. If you don’t want it, I’m going to ask him. If he wants it, you’re out.’ Former Cardinals kicker Phil Dawson retires The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Derrick Hall satisfied with D-backs’ buying and selling “It’s easy. We don’t play games.”Of course, the second-year head coach didn’t offer names of players the team is targeting, but did talk about areas where he’d like to see the Cardinals improve.“I think we need to get bigger and stronger on both sides of line with more depth — offensive line and defensive line. We need to get some depth because of our division — you’re going to win at the line of scrimmage in our division, you have to be physical,” he said. “And we can never, never stop getting speed, everywhere. Whether it be a linebacker, pass rusher, corner, safety or wide receiver.”Then there’s the matter of the Cardinals bringing back free agents of their own. Arizona has 14 players in that category, but none more important to re-sign than veteran linebacker Karlos Dansby, who led the team with 122 total tackles and was named a second team All-Pro.Arians knows how vital Dansby is to the Cardinals’ defense.“There’s no doubt — we offered Karlos a contract the day after the season ended,” he said. “We’re still in the negotiating process, but he’s a major part because of what he brought to the table for us as a leader.last_img read more

Rep VerHeulen Budget panel votes to boost funding for veterans courts

first_img Categories: VerHeulen News More funding will be available for veterans courts under a budget approved today by a Michigan House subcommittee, state Rep. Rob VerHeulen announced.The judiciary budget bill includes an additional $436,000 for specialty courts aimed at treating military veterans and active-duty personnel, bringing total funding to $936,000.“Members of the military put themselves in harm’s way to protect our country, and the sacrifices made by these men and women don’t stop when they take off their uniforms. Veterans often are left with a variety of issues, which at times lead to trouble with the law,” said VerHeulen, of Walker. “We owe it to our veterans to ensure they get the treatment they deserve. Veterans courts offer programs tailored to the unique needs of military personnel to help them heal and reduce the chances that they will reoffend in the future.”The budget also preserves funding for other problem-solving courts, funding mental health courts with $5.5 million and drug treatment courts with $11.8 million.According to the State Court Administrative Office, graduates of the state’s 185 drug, sobriety, mental health and veterans courts are two- to three-times less likely to reoffend, and such programs have reduced participant unemployment by 74 percent.“Overall, I’m pleased with this budget,” VerHeulen said. “It’s a fiscally sound spending plan that properly funds Michigan’s judicial system.”The judiciary budget now moves to the House Appropriations Committee for consideration.### 29Mar Rep. VerHeulen: Budget panel votes to boost funding for veterans courtslast_img read more

Pelangio Exploration Inc PXTSXV PGXPFOTC an

first_imgPelangio Exploration Inc. (PX:TSX-V; PGXPF:OTC) announced the results of seven diamond drill holes totaling 1,574 metres from its ongoing drilling program at the Pokukrom East zone on the Manfo Property in Ghana.  Highlights of the results included:·        1.19 g/t gold over 113 metres, including 9.05 g/t gold over 7 metres; ·        2.60 g/t gold over 64 metres, including 11.94 g/t gold over 10 metres; and ·        16.72 g/t gold over 4 metres.The results continued to confirm a higher grade, shallow north plunging core of Pokukrom East zone with an open plunge of 600 metres from near surface in previously reported hole SPDD-088 (7.01 g/t gold over 19 metres) to 210 metres depth in the holes reported this week.  Warren Bates, Senior Vice President Exploration, commented: “These are our best holes on the Manfo Property to date. These holes represent the north-plunging core of higher grade mineralization at Pokukrom East, now demonstrating an open plunge length of 600 metres.” Please visit our website to learn more about the project and request additional information. Sponsor Advertisement It will be interesting to see how high this dollar index rally goes…as it is as much oversold as the precious metals are overbought.It was an uneventful day in the gold market on Wednesday.  The price dipped a bit in the early going in Far East trading…and the high of the day [such as it was] came just a few minutes before the London open.From there it got sold back to unchanged by the New York open…and traded sideways into the close from there.Gold closed the day at $1,769.70 spot…down $1.40 from Tuesday.  Volume was an immense 171, 000 contracts…mostly of the high-frequency trading variety one would think.The silver price action followed just about the same price path as gold, but with a bit more ‘volatility’ attached to the price movements.  Silver’s high tick of the day also came shortly before the London open…and the low tick came about ten minutes after the Comex open.Silver finished the Tuesday session at $34.57 spot…down 21 cents on the day.  Volume was quite a bit lighter than Tuesday, but still a very chunky 45,000 contracts.The dollar index closed at 79.11…down about 10 basis points on the day…but not after it rose over 30 basis points between 7:00 a.m. in London and 8:00 a.m. in New York…and then fell 35 basis points between 8:00 a.m. and 12:30 p.m. Eastern time.It’s low at that time was 79.02…before it recovered a hair into the close.After a brief foray into negative territory around the London p.m. gold fix, the gold stocks rose into positive territory…and remained there for the rest of the trading session.  The HUI finished up 0.82%.Here’s the 5-day HUI chart.  The big jump on September 13th corresponded with Bernanke and Co.’s QE3 announcement…and as you can see, it’s been pretty quiet since the gap up last Friday morning at the open.Despite the negative close, the silver stocks turned in another decent performance yesterday as well.  Nick Laird’s Silver Sentiment Index closed up 0.65%.(Click on image to enlarge)The CME’s Daily Delivery Report showed that 13 gold and 3 silver contracts were posted for delivery within the Comex-approved depository system on Friday.  As of this mornings’ preliminary report from the CME, there are still 480 silver contracts open for September…and it will be of interest to see how many stand for delivery between now and the end of trading next Thursday, which is the last delivery day in the September contract.The GLD ETF reported that an authorized participant deposited 67,865 troy ounces of gold yesterday…and there were no reported changes in SLV.There was another smallish sales report from the U.S. Mint.  They sold 6,000 ounces of gold eagles…500 one-ounce 24K gold buffaloes…and 57,000 silver eagles.Over at the Comex-approved depositories on Tuesday, they reported receiving 967,760 troy ounces of silver…and only shipped 75,396 ounces of the stuff out the door.  The link to that action is here.Yesterday’s story about the 10 oz. gold bar filled with tungsten showing up at a Manhattan bullion dealer drew this incredible response from Washington state reader Vincent Youngs that is definitely worth sharing….and here it is.“I’m surprised that the jeweler drilled his bars without first using an ultrasonic thickness guage to test them. People dealing in precious metals should know how to do this. I’m [astonished] that this effective method of detecting counterfeits remains relatively obscure and unknown. Maybe you should pass this information on to your readers. Here’s a web page and a youtube.com video which explains it.  I have one of these gauges…and it works exactly as they describe. These gauges can be bought for a few hundred dollars.”  [The link to purchase the gauge shown in the video is here. – Ed]I thank Vincent on behalf of the entire precious metals industry…so pass it on!I have the usual number of stories again today…and the final edit is up to you.The majority of us favor no change in the present role of gold. Yet, we are not prepared to rule out that an enlarged role for gold may emerge at some future date. If reasonable price stability and confidence in our currency are not restored in the years ahead, we believe those who advocate an immediate return to gold will grow in numbers and political influence. – U.S. Government Gold Commission Report, March 31, 1982Well, it was just another day off the calendar, as nothing much happened from a price point of view.  But it’s obvious from the stories above, especially the new ones out about Japan that mention QE8, that the printing presses won’t be turned off any time soon.Both gold and silver were down a bit in late afternoon trading in Hong Kong on their Thursday.  Looking at the dollar index with the benefit of 20/20 hindsight, I see that the index has been in rally mode since the 12:30 p.m. Eastern time 79.02 low in New York early yesterday afternoon…and that rally accelerated starting around 10:00 a.m. Hong Kong time this morning…but appears to have topped out for the moment beginning at the 8:00 a.m. BST London open.  Both metals are still down a bit, but rallying, as I hit the ‘send’ button at 5:07 a.m. Eastern time.  Volumes are already heavy…and the dollar index is up about 28 basis points…about 15 basis points off its high.It will be interesting to see how high this dollar index rally goes…as it is as much oversold as the precious metals are overbought.  I still haven’t forgotten about JPMorgan et al and their horrendous Comex short positions in all precious metals…but silver in particular…along with their corresponding short position in SLV.  Unless they get over run…they’re going to be looking to cover as many of these short positions as they can.Here’s the 6-month dollar index chart…And the 6-month gold chart(Click on image to enlarge)This is the “in your ear” short-term scenario that I’m concerned about…and JPMorgan et al‘s track record is 100% in this department, with no exceptions.But this is one of those times that all dips should be bought…and I’ll be taking my own advice if or when this scenario finally plays out.Before hitting the ‘send’ button…I’d just like to let you know that the MP3 audio recordings of the recent “Navigating the Politicized Economy Summit” just held in Carlsbad, California are now available for download.The Presenters included: David Walker, former US Comptroller General • Dr. Lacy Hunt, former Senior Economist • Dallas Fed, Executive VP, HIMCO • Don Coxe, Global Strategy Advisor, BMO Financial Group • David Webb, hedge fund phenomenon, Origin Investments, AB • Dr. Thomas M. Barnett, former Senior Advisor, Office of the Secretary of Defense • G. Edward Griffin, author, The Creature from Jekyll Island • Bob Hoye, Chief Financial Strategist, Institutional Advisor • Peter Schweizer, Hoover Institute, author of Throw Them All Out • Doug Casey, contrarian speculator • Eric Sprott, Chairman, Sprott Asset Management … and many others.Attendees of the summit raved about being able to see an all-star cast like this at one investment conference. And you can listen to their advice – including the top stock picks of these resource giants – in the comfort of your own home on your 23-CD set.The CDs…and/or the MP3 files…should keep you off the street for a little while…and if you have any interest whatsoever…you can click here for more details…and it costs nothing to look.I hope your day goes well…and I’ll see you here tomorrow.last_img read more

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first_img Recommended Links More Hot Air We think both Duncan and Krugman are wrong. An economic boom, based on nothing but hot air (phony credit, with no real resources behind it), is fraudulent. It will never take us to real growth. Just the contrary. The best thing to do is to pop the bubble… and then pick up the pieces. Besides, it will pop whether we want it to or not. Heck, we believe in magic as much as the next guy. But the magic act is wearing a little thin. The smoke is dispersing. The rabbits have disappeared. All the glam and sparkle, the shock and awe, the claptrap and hokum – they’re all giving way to economic reality. We are beginning to see more clearly: the Fed’s theory is nothing but hot air. Now, its funny money is doing something even funnier than it imagined: the exact opposite of what the central planners intended. In yesterday’s Market Insight, Chris Lowe showed how the “velocity of money” is plummeting. This is serious. The velocity of money tracks how often each dollar is used to buy something in the economy. Falling velocity shows that consumers and businesses are pulling back… becoming more reluctant to spend and invest… downsizing… and holding onto dollars rather than spending them. This has a similar effect as reducing the supply of money bidding for goods and services. Prices drop. Deflation, in other words. The bubble has developed a leak. The hot air is gushing out. Look out below… Regards, Fastest Profits You May Ever Make I thought I’d seen everything in the world of investing—but I hadn’t come close. A colleague has just launched a new system that helps him pinpoint double and triple-digit gain opportunities in 4 days on average. Using the world’s most conservative investment! If you need cash now, you could get it in the next 4 days. Go here for details. – The Secret to Profiting from Currencies like Doug Casey [ends soon] Doug calls it the biggest currency trend of his 40-year career. And for one week only, he’s showing investors how to make gains of 500% as it unfolds over the coming years. All you need is an ordinary brokerage account…and the willingness to invest 1–2% of your capital for life-changing gains. See more here.center_img — Editor’s Note: The U.S. is close to recession territory. In today’s Weekend Edition, Agora founder Bill Bonner explains that the Fed created an economic bubble with phony credit…and the bubble is about to burst. Bill originally wrote this essay on April 20, 2016, in Bill Bonner’s Diary. By Bill Bonner, editor, The Bill Bonner Letter Stocks are going up all over the world. Meanwhile, it appears to us that the U.S. economy is going down. Go figure. For instance, a labor-market index created by Fed economists… and closely watched by Fed chief Janet Yellen… has fallen for three straight months. It’s the first time that’s happened since 2009. And the Atlanta Fed adds that GDP growth in the first quarter of 2016 was only 0.3%. That’s not quite recession territory (commonly defined as two back-to-back quarters of negative growth)… but it’s not far off. “Prepping” for Recession If the recession doesn’t appear this year, it won’t be the first time we’ve been wrong… or early. But despite claims that the feds have mastered the business cycle, a recession is bound to come someday. And when it does, we’ll be ready… at least, here at the ranch. We still have 700 head of cattle – tough, but edible. We have a couple hundred bottles of Malbec wine stocked in the depósito (store room). We have corn and tomatoes in the garden. What else do we need? We don’t know. But we’d rather not find out. And neither does anyone else. But bad stuff still happens. And it is unlikely that recessions have been completely banished. Then again, recessions are not bad things – not in our book. They are nature’s way of clearing out mistakes. Recessions are when the destruction part of economist Joseph Schumpeter’s “creative destruction” comes into play. The “creative” part follows. But you can’t have one without the other. Marginal businesses… bad investments… weak competitors – they all need to get out of the way so better uses can be found for the capital at work. Why? Believe it or not, capital is limited. If you use it for bad projects, you get poorer, not richer. Which projects are good? Which are bad? Typically, a rise in real interest rates (increasing the cost of funding) is the way to find out. Higher rates “put the hurtin’” on company finances. The weak give way. Recessions are not necessarily pleasant. But they are as necessary as growing pains and family budget discussions. Debt Bubble But we are in a minority. Most economists fear recessions; they want to avoid them in the worst possible way. What’s the worst way to avoid a recession? Just throw some more money at it! Most serious economists realize that we have a problem on our hands. Debt goes up and up… much faster than the economy that has to pay it. It is a “debt bubble,” floating around in a knife store. In the last eight years, for example, the U.S. federal government added $9 trillion to the public debt – more than it had amassed in the previous 246 years. And total debt increased in the U.S. last year by $1.9 trillion… while GDP only went up $599 billion. For the corporate sector, it was worse. Companies took on $793 billion of extra borrowings against just $161 billion of extra output – five times as much debt as growth. Some analysts, such as our friend Richard Duncan at Macro Watch, believe we have no choice but to keep inflating the credit bubble. He likens our situation to a man who has gone up in a hot air balloon. Suddenly, he realizes that the hot air is not taking him where he wants to go. But what can he do? If he releases the hot air, the balloon will fall and he will die. To survive, he has to keep putting in more hot air. Other economists, such as Paul Krugman, believe in hot air, too. “Demand,” they call it. They cling to the balloon, hoping that more credit will increase growth and can make the debt more bearable. Bill Editor’s Note: Bill believes the Fed’s credit-financed phony boom has begun to crumble. He says the coming financial collapse will be worse than the market crashes in 1987, 2000, and 2008. But this time, he says, it will affect everything from your portfolio…to your bank account…to the cash in your wallet. Get the details here.last_img read more

Hermit Rents Your Home as Office Space While Youre at Work

first_imgStartups 2 min read Would you want a group of strangers working in your home? Senior Editor Next Article –shares Hermit Rents Your Home as Office Space While You’re at Work February 15, 2017 2019 Entrepreneur 360 Listcenter_img This story originally appeared on PCMag Add to Queue Apply Now » The only list that measures privately-held company performance across multiple dimensions—not just revenue. Matthew Humphries Image credit: Hermit Offices Even though remote working is on the increase, it’s still fairly typical for a home to be left empty during the day while kids are at school and parents are at work. But where most people see an empty home, others see a business opportunity, and that’s where Hermit Offices comes in. They want to rent out your home during the day to act as an office.Having a group of complete strangers in your home unsupervised may sound like your worst nightmare, but it’s exactly what Hermit Offices is offering to do. In return, you’ll earn an extra income from a space that’s otherwise unused. The company takes care of everything related to renting, including insurance, security and property management. All home owners need to provide is a single room for the business, fast broadband, lighting and access to amenities. According to Tech City News, for small businesses, the draw will be cost savings. Hermit claims rent can be as much as half that of commercial office space, and because it’s a home there’s guaranteed to be access to working facilities including a kitchen and bathroom. Access to a home office is typically between 8:30 a.m. and 6 p.m., although that will vary depending on who lives in each property.Hermit is already up and running offering a range of home office rental opportunities in London for up to 10 people. If it proves successful it’s sure to expand to other major cities where rent is always high.Whether this seems appealing or not depends on how comfortable you are having a group of strangers not only in your home, but using your facilities. That involves a lot of trust even if Hermit is offering insurance and security checks. With that in mind, it seems more likely this will appeal to people who own unoccupied property and want to make some cash while they try and fully rent or sell it.last_img read more

MarTech Interview with Zachary Goldstein CEO and Founder Thanx

first_imgMarTech Interview Series About ZacharyAbout ThanxAbout Zachary About Thanx crmcustomer engagementdata scienceEloquainterviewsmarketing automationOutreachSalesforceThanxZachary Goldstein Previous ArticleFindy, The App Bold Enough to Take on GoogleNext ArticleTechBytes with Mika Javanainen, VP of Product Marketing at M-Files Zachary Goldstein is the founder and CEO of Thanx. He is passionate about retail customer retention and satisfaction and the Sacramento Kings. Dartmouth College (BA) and Stanford Graduate School of Business (MBA). “It’s all about relevance these days — consumers are sick of being spammed but are happy to engage when the message resonates personally.”center_img Thanx is customer engagement done right. Thanx is unique because we focus on making customer engagement effortless for both merchants and consumers. Merchants get a complete view of customers based on behavioral data all without any additional hardware or point-of-sale integration, allowing them to quickly and easily send targeted campaigns customized for their business. And, they can measure their success in real revenue not just vanity metrics like opens and clicks.Consumers pay as usual and automatically receive personalized rewards on their phones, which eliminates the hassle of check-ins, loyalty cards, and added steps at checkout. To date, we’ve helped our merchants generate 30-50% increases in revenue from their existing customers. MarTech Interview with Zachary Goldstein, CEO and Founder, Thanx Sudipto GhoshMay 27, 2019, 2:30 pmMay 27, 2019 The MTS Martech Interview Series is a fun Q&A style chat which we really enjoy doing with martech leaders. With inspiration from Lifehacker’s How I work interviews, the MarTech Series Interviews follows a two part format On Marketing Technology, and This Is How I Work. The format was chosen because when we decided to start an interview series with the biggest and brightest minds in martech – we wanted to get insight into two areas … one – their ideas on marketing tech and two – insights into the philosophy and methods that make these leaders tick. Tell us about your role and journey into Marketing Technology. What inspired you to start Thanx?Working with restaurant and retail clients at Bain & Company, I learned brick-and-mortar businesses have a data deficit. The 80/20 rule is particularly true in the offline world but not only do most brands do a poor job of personally engaging their top customers, many don’t even know who those individuals are. Thanx is the system-of-record for offline customer data — CRM meets marketing automation, but custom-built for otherwise data-blind real-world businesses. In effect, we combine elements of loyalty, customer sentiment, artificial intelligence, and multi-channel marketing to enable merchants to move away from generic “spray-and-pray” marketing and toward automated, personalized communication with customers both inside and outside the four walls of their business.How does Thanx fit into a modern marketing technology stack? How does Thanx automate Customer Engagement? Thanx is a complete customer engagement platform. Many of our merchants were previously juggling a variety of point solutions and datafeeds— email tools, plastic card loyalty programs, mobile apps, customer surveys, mystery shoppers, social, reservations, online ordering, and more — with no single view of the customer. Thanx offers a multi-channel marketing platform that replaces and consolidates point solutions so that our merchants can always deliver the right message to the right customer at the right time.From the time you started Thanx, how much has the Marketing Automation Technology for B2B and B2C evolved?It’s all about relevance these days — consumers are sick of being spammed but are happy to engage when the message resonates personally. This push for relevance — best measured in actual results for the advertiser — defined the online industry’s evolution from Cost Per Impression to Cost Per Conversion. Offline business need to same evolution — moving away from useless metrics like email opens and clicks toward measures such as incremental revenue. This will, in turn, drive a flight toward relevance in marketing. Thanx delivers a variety of personalization tools informed by data science — from tier-based rewards modeled after the airline industry to churn avoidance promotions that resemble online retargeting — but packaged in a simple “one-click” user interface that we call Thanx Campaigns. The merchant defines a desired behavior and Thanx takes care of the rest.Tell us more about your recent digital marketing campaign with Tommy Bahama. What analytics do you have to show its success rate?While we don’t share specific results from our customers’ loyalty programs and marketing campaigns on Thanx, the Tommy Bahama program is indeed doing exceptionally. Better known for their retail lifestyle clothing brand, Tommy Bahama also operates on-brand restaurants across the US — from 5th Ave in Manhattan to Hawaii. While the retail operation has long had a robust customer database which it used to personalize customer communications and maintain relationships with top customers, the restaurants didn’t even know if their customers were the same individuals, let alone have any tools to drive repeat frequency. Through Thanx Campaigns, Tommy Bahama restaurants are able to reward regulars — and it turns out they have quite a few more than they knew from OpenTable data alone — and create unique experiences for their VIPs. In general across the Thanx network, these VIP-focused reward programs see as much as 55% increases in customer spending.As a CEO, how do you identify the biggest advantages and challenges in Digital Commerce? What role does Thanx play in overcoming these challenges? Traditional loyalty programs are fairly useless — they’re basically channels through which brands endlessly give out “rewards” on a proverbial hamster wheel without any meaningful impact in long-term customer spending. To get value out of loyalty programs, brands need to invest in taking action on top of the data they acquire — the data is the true gold, not the basic reward offering. This is where our marketing automation and data science tools help turn what would otherwise be a pretty rote program and make it feel like one-on-one communication between a brand and their best customers. In fact, in many cases it literally is one-to-one communication as Thanx enables consumers to leave private-channel feedback — very different from the anonymous postings on Yelp — and gives the merchant the tools to understand that individuals spending behavior and respond personally. Bad public reviews are shown to decrease with our Reputation Manager tool live because unhappy guests are intercepted and personally engaged before bringing their complaints to review sites.Why retention is a big challenge for Influencer-based brands? How do personalization and relevant context impact retention strategies? It’s seven times more expensive to acquire a new customer than to secure an incremental visit from an existing customer. In effect, it’s impossible to grow a business sustainably with new customers alone yet that’s what most brands are doing. This is the secret weapon of the best brands in the world — on rare occasion the product is so amazing that natural brand affinity bring customers back over and over. More commonly, merchants need to work for that loyalty to avoid “out of sight, out of mind.”Tell us about your go-to strategies to support rapid growth, lessons learned through periods of massive shift and transition.It’s all about having great people. Sometimes we have an empty role and it’s tempting to rush to fill it because the hole is hurting our growth and straining other members of the team — but that’s a way to rush a hire and cause even more backtracking in the future. To me, rapid growth is about quick decision-making and people you trust which starts with hiring.Which Marketing and Sales Automation tools and technologies do you currently use?We are, of course, avid Thanx users and consumers. But the business our marketing tech stack includes Eloqua, Outreach and Salesforce.What startups in the technology industry are you watching keenly right now? I think Square’s execution for small businesses has been remarkable to watch. And yet they still support a tiny fraction of the overall market. But in the startup landscape, I’m using Airtable and Superhuman as my personal work productivity hacks.How do you prepare for an AI-centric world as a Business Leader?Capture every bit of data you can — nothing is “exhaust” to be let float away. And hire people way smarter than you.How do you inspire your people to work with technology? Our vision is big — to personalize every interaction between merchants and their customers. Find people who want to make that a reality and they inspire themselves (and me).One word that best describes how you work.Intensely.What apps/software/tools can’t you live without?I’m an Excel junkie. It’s sometimes my happy place after two days straight of meetings. Superhuman for email is a fantastic tool. I absolutely wish we didn’t have Slack.What’s your smartest work related shortcut or productivity hack?I use a web plugin called Momentum that is my homepage on my browser and I set one “Must Do” goal every day. I also started charging my phone overnight in the kitchen instead of in the bedroom because I was instinctively grabbing it right when I woke up. No I don’t look at it until I’m actually walking out the door to work. It gives me some moments of peace in the morning.What are you currently reading? (What do you read, and how do you consume information?)Twitter. A lot of Twitter ha. But two books are getting the back-and-forth treatment right now — Sapiens and Becoming by Michelle Obama. Shoe Dog by Phil Knight was the last booked I finished all the way through — love his genuine founder story.What’s the best advice you’ve ever received?A former Bain colleague of mine taught me about a military principle from when he led platoons in the Marines: “Turn the Wrenches”. He said the best military leaders were able to command respect with their rank but didn’t hesitate to occasionally get their hands dirty with their teams to demonstrate that they weren’t above the most menial of tasks and to learn about the day-to-day of their soldiers. This has stuck with me; I try to find time every week to stop by people’s desks and learn about what they’re doing or offer to help however I can.Something you do better than others – the secret of your success?I’m decisive. I like to gather complete information when possible but I have grown comfortable making decisions without it and accepting the outcome either way. I prize action over correctness because I think even mistakes teach us a lot.Tag the one person (or more) in the industry whose answers to these questions you would love to read:Kane Russell at Halo Neuroscience built our original marketing function at Thanx and is incredibly thoughtful about brand-building and modern marketing. Not a MarTech company, but certainly an active user of MarTech.Thank you, Zachary! That was fun and hope to see you back on MarTech Series soon.last_img read more

USfunded initiative associated with reductions in maternal and newborn mortality in Indonesia

first_img Source:https://www.jhsph.edu/news/news-releases/2019/large-scale-initiative-linked-to-reductions-in-maternal-and-newborn-deaths-in-indonesia.html Reviewed by Kate Anderton, B.Sc. (Editor)Feb 28 2019USAID-funded program aimed at reducing deaths from complications due to childbirth appears to have prompted more efficient careA U.S.-funded initiative to improve quality of care and referrals during pregnancy and childbirth in Indonesia resulted in significant reductions in maternal and newborn mortality at participating hospitals, according to a new study led by scientists at the Johns Hopkins Bloomberg School of Public Health.The $55-million initiative, known as Expanding Maternal and Neonatal Survival (EMAS), was sponsored by the U.S. Agency for International Development (USAID) from 2011 to 2017 and supported the Indonesian Ministry of Health’s efforts to improve the quality of emergency obstetric and newborn care and referrals in that country.The study appears in a special supplement of the International Journal of Gynecology & Obstetrics. The researchers found that in the Indonesian health facilities where the EMAS intervention was implemented, maternal and very early newborn mortality rates within 24 hours of birth fell by 50 percent and 21 percent respectively over the four years following the onset of EMAS support.”These key indicators of the quality of emergency obstetric and newborn care improved significantly at hospitals after EMAS support, suggesting that the program did improve the quality of care,” says study lead author Saifuddin Ahmed, PhD, professor in the Bloomberg School’s Department of Population, Family and Reproductive Health.The study involved a collaboration with several international and Indonesian institutions including Jhpiego, a Johns Hopkins-affiliated non-profit organization that led the EMAS program in Indonesia.Ahmed guest-edited the supplement, “Expanding Maternal and Neonatal Survival Opportunities in Indonesia,” in which the study appears, and authored an editorial noting that Indonesia has had persistently high maternal mortality rates, relative to other Southeast Asian nations, of maternal and newborn deaths. More than 10,000 women and 68,000 newborn babies die from childbirth complications each year in the country. “Indonesia has been doing very well economically in recent decades, but economic development doesn’t automatically translate into reductions in maternal and newborn mortality,” he says.About 70 percent of maternal deaths from childbirth complications in Indonesia occur in hospitals or clinics, in part due to poor quality or delayed care. The EMAS program was intended to improve that care and lower mortality rates for mothers and their newborns. The initiative was focused in six Indonesian provinces which collectively account for more than half of all maternal deaths in the country. The EMAS program included mentoring of staff at more than 450 hospitals and clinics, improvements in these facilities’ health information systems, improving emergency readiness and response, and more rigorous reviews of cases of maternal or newborn mortality.Related StoriesWomen’s pre-pregnancy obesity changes breast milk contents which can affect infant growthMaternal prepregnancy surgery linked to increased risk of opioid withdrawal in newbornsPregnant women with migraine more often have complications during pregnancy and childbirthThe new study focused on the largest 101 of these facilities, to which patients presenting at smaller clinics were often referred. Ahmed and his colleagues found that from 2013 through 2016, the overall rate of maternal deaths per 1,000 cases of childbirth complications at these facilities fell from 5.4 to 2.6, a drop of about 50 percent. The rate of newborn deaths within 24 hours of birth also fell sharply, from 4.8 to 3.3 per 1,000 live births, while the rate of newborn deaths within 7 days of birth fell from 33.6 to 23.9 per 1,000 live births.The analysis revealed increases of 5 percent and 18 percent, respectively, in the appropriate uses of two key interventions: drugs to induce uterine contractions to reduce postpartum bleeding, and magnesium sulfate to treat pre-eclampsia, a condition that can cause seizures and brain hemorrhaging. By the end of the study, the use rates for these interventions, in cases where objective indicators showed they should have been used, were nearly 100 percent.”Overall, the efficiency in handling patients seems to have improved in facilities that received EMAS support,” Ahmed says.Fatality rates–specifically from postpartum hemorrhage and pre-eclampsia/eclampsia complications–fell by about 23 percent and 20 percent, respectively, during the study period–although these declines involved relatively small numbers of cases and were not statistically significant.”Sustaining and expanding the approaches of the EMAS program in Indonesia remains critically important to save the lives of mothers and children,” Ahmed says.”Changes in obstetric case fatality and early newborn mortality rates in hospitals after the implementation of the Expanding Maternal and Neonatal Survival program in Indonesia: Results from a health information system” was written by Saifuddin Ahmed, Maya Tholandi, Alisa Pedrana, Ali Zazri, Nony Parmawaty, Agus Rahmanto, and Reena Sethi.last_img read more

These Unsung Heroes of the Apollo 11 Mission Made the First Steps

first_img This article is republished from The Conversation under a Creative Commons license. Read the original article.by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeVikings: Free Online GamePlay this for 1 min and see why everyone is addicted!Vikings: Free Online GameUndoTruthFinder People Search SubscriptionOne Thing All Liars Have in Common, Brace YourselfTruthFinder People Search SubscriptionUndoKelley Blue Book2019 Lexus Vehicles Worth Buying for Their Resale ValueKelley Blue BookUndoNucificTop Dr. Reveals The 1 Nutrient Your Gut Must HaveNucificUndoFinance DailySeniors With No Life Insurance May Get Up To $250,000 If They Do This…Finance DailyUndoEditorChoice.comSee What The World’s Largest Dog Looks LikeEditorChoice.comUndo At an International Astronomical Union meeting in 1955, noted astronomer Gerard Kuiper asked for suggestions and collaborators on a project to make a map of the Moon. At the time, the best lunar atlases had hand-drawn images, and Kuiper wanted to use state-of-the-art telescopes to make a photographic atlas. Only one person responded. That was indicative of the astronomical community’s general attitude toward the Moon. After all, telescopes were designed to look at distant objects, and the Moon is rather close, and boring as well, since its appearance doesn’t change. Furthermore, Kuiper wanted to make a map, and that’s the sort of thing that geologists, not astronomers, do.Headbutting Tiny Worms Are Really, Really LoudThis rapid strike produces a loud ‘pop’ comparable to those made by snapping shrimps, one of the most intense biological sounds measured at sea.Your Recommended PlaylistVolume 0%Press shift question mark to access a list of keyboard shortcutsKeyboard Shortcutsplay/pauseincrease volumedecrease volumeseek forwardsseek backwardstoggle captionstoggle fullscreenmute/unmuteseek to %SPACE↑↓→←cfm0-9接下来播放Why Is It ‘Snowing’ Salt in the Dead Sea?01:53 facebook twitter 发邮件 reddit 链接https://www.livescience.com/65939-unsung-heroes-apollo-11-moon-landing.html?jwsource=cl已复制直播00:0000:3500:35  Kuiper proceeded, though, and by 1960, he had moved his small operation to the University of Arizona in Tucson. There he could take advantage of the region’s mountaintops and clear skies, and the university’s willingness to move into a field of study that defied traditional departmental boundaries. The next year, President John F. Kennedy announced that a national goal for the decade was to send a man to the Moon and back safely. Suddenly, the niche pursuit of making maps of the Moon had turned into a national priority. For the next several years, Kuiper’s Lunar and Planetary Laboratory produced progressively better images of the Moon, using telescopes built for the purpose. Later they used images from robotic spacecraft to the Moon to produce a series of increasingly sophisticated atlases of the lunar surface. As a child, I was focused on the accomplishments of the astronauts, starting with the day in 1961 that the principal burst into my kindergarten classroom to tell us that Alan Shepard had been launched into space, and culminating in the Apollo 11 landing in 1969. Like most of us who watched all those missions, I didn’t really expect to go into space science or aerospace engineering. But when I got the chance to study Apollo samples in graduate school, it’s not surprising that I gravitated to them. I eventually spent my career studying rocks from space. Similarly, I didn’t think much about the groundwork that went into mapping the Moon until I ended up at the Lunar and Planetary Laboratory. Once I started learning the stories and talking to those involved, though, I came to appreciate the number of extraordinary things that were done in that era as a result of the political race to the Moon. Looking at the Moon from another direction The Lunar and Planetary Laboratory’s first lunar atlases simply consisted of the best images from a telescope. But the group realized they could do better than this. The Moon always keeps the same face toward the Earth. But even on the side facing the Earth, the areas away from the center always appear distorted. To correct for this, the group made a white globe three feet in diameter, then projected a high-quality telescopic image onto it from down the hallway. By moving around the globe, the surface features then appeared as they would from overhead. Near the edges of the visible portion of the Moon, the shapes of features shifted, with ovals becoming circles and squiggly lines becoming detailed structures. Although the idea had been suggested before, the “Rectified Lunar Atlas” was probably the best use ever made of the technique. Furthermore, the process yielded scientifically valuable insights. Graduate student William Hartmann, while moving around the globe to take the “rectified” images, noticed that on one edge of the Moon, there was a feature — now known as Mare Orientale — that looked a lot like many of the basins that were well known to telescopic observers. But it had some crucial differences. For one thing, it had fewer later impact craters within it, suggesting it was younger and better preserved. Furthermore, it had a distinct bull’s-eye appearance, with concentric mountain ranges forming the rings. Hartmann realized that this might have been what all those basins had once looked like, before later impact craters and lava flows smeared out detailed features. And the idea of huge impacts ultimately led Hartmann and others to suggest that the Moon formed as a result of a giant impact on Earth, an idea that is still the basis of the leading theories of the origin of the Moon. Pinpoint landing But one of the most impressive feats of converting those telescopic images into crucial information for Apollo came from Ewen Whitaker, an unassuming Englishman who had been the only one to respond to Kuiper’s solicitation in 1955. Whitaker moved to America to join Kuiper’s group and moved to Arizona with him. When the robotic Surveyor 1 spacecraft became the first American mission to make a soft landing on the Moon in 1966, the mission team analyzed the photographs returned and reported where they thought they had landed. But they were wrong. Whitaker used the best telescopic image and compared what hills should be visible in what direction, and suggested the correct location a few miles away. After Apollo 11 yielded the first successful human landing on the Moon, NASA wanted to use Apollo 12 to prove that it was possible to precisely target a specific location, based just on latitude and longitude. But you have to know the latitude and longitude of some location with precision. NASA tasked Whitaker with finding exactly where another unmanned Surveyor mission, Surveyor 3, had landed. Whitaker gave his best estimate, and Apollo 12 aimed for it. The astronauts could not see Surveyor 3 on the way in, because it was in shadow. When they looked around after they landed, they found that they were within walking distance, after a journey of 240,000 miles. The maps of the Moon that were created at the Lunar and Planetary Laboratory have long since been surpassed, and those best-ever photographs of the lunar surface aren’t nearly as good as those of taken by more recent orbiters. But the organization that Kuiper started continues to explore. For more than a decade, spacecraft landing on Mars have utilized images taken from orbit by HiRISE (High-Resolution Imaging Science Experiment), operated out of the Lunar and Planetary Laboratory, to select their landing sites. At the moment, the OSIRIS-REx robotic spacecraft, also directed out of the Lunar and Planetary Laboratory, is maneuvering close to the asteroid Bennu, sometimes within a few hundred meters of the surface, making maps in search of a place to grab a sample to bring back to Earth. After that sample is returned, no doubt scientists will analyze it for decades in the future, just as we are still analyzing the samples returned by the Apollo missions. It is the touchdowns and the samples that we remember, but it is the maps that come first. Timothy Swindle, Professor of Planetary Sciences and Geosciences, University of Arizonalast_img read more

Modi govt faces trust vote today

first_imgJuly 19, 2018 Published on national politics Will pin govt down on failures, says Congress COMMENT The debate on the no-confidence motion against the Narendra Modi government, scheduled on Friday, is likely to be a review of its performance rather than a test of its numbers in the Lok Sabha. The Opposition maintained that it does not worry about the “arithmetic” in the Lower House but worries about the “present state” of the country. The Congress and the other opposition parties said the trust vote would be an opportunity for them to expose the Centre’s failures. The party has been allotted 38 minutes to speak on the motion.Regional players undecidedAlthough regional parties like the BJD (Odisha), TRS (Telangana) and the AIADMK (Tamil Nadu) are yet undecided on their vote. However, their stand may not make much difference to the result.Leaders of the Congress held a meeting on Thursday to discuss the scenario. The party is likely to field its President Rahul Gandhi, its parliamentary party leader Mallikarjun Kharge, and chief whip Jyotiraditya Scindia to speak on behalf of the party. The party’s efforts will be to showcase Opposition unity and highlight maximum issues against the Centre during the debate.Senior leader Anand Sharma told reporters that the effort would be to to show a mirror to the government. “It is not only a question of numbers. We will use the occasion to expose the government and raise various issues concerning the people of the country and tell the truth to the people. This is the launch of a campaign which will send them packing in 2019 Lok Sabha elections,” he said.‘Modi, a demagogue’He alleged that the Prime Minister and members of his Cabinet have begun believing in their own propaganda. “The Prime Minister is at best a demagogue and believes in hypocrisy,” he said. “The larger issue is that the country is in agony and the people are suffering. The image of the country has been tarnished internationally.”The BJP said numbers are very clear. “The BJP by itself has a majority in the Lower House. We have nearly 314 members within the NDA and there are many other parties which are likely to oppose this no-confidence motion because this is completely pointless,” BJP national spokesperson GVL Narasimha Rao said. “We have the numbers and we have the moral fibre to fight this negative Opposition, which is only trying to put the country on the path of negativity,” he added.CPI(M) Politburo member Mohammed Salim said it was not about winning or losing. “The government is deliberately trying to divert people’s attention by saying the Opposition would lose the vote. They want to show that since the Opposition is losing, the issues they are discussing are of no use. That is certainly not the matter. The government is accountable to the people and must give answers to the questions raised by the Opposition,” he told reporters. SHARE SHARE EMAIL COMMENTS SHARElast_img read more

Alternative to Lakshman Jhula to be built soon says Uttarakhand CM Trivendra

first_imgAlternative to Lakshman Jhula to be built soon, says Uttarakhand CM Trivendra Singh RawatUttarakhand government decided to build a bridge across the Ganga in Rishikesh as an alternative to the iconic Lakshman Jhula which was closed due to safety reasons.advertisement Next Press Trust of India DehradunJuly 13, 2019UPDATED: July 13, 2019 20:38 IST Lakshman JhulaHIGHLIGHTSLakshman Jhula is in a dilapidated conditionThe bridge was closed on Friday on the recommendation of a team of experts from IIT RoorkeeThey recommended immediate closure of the bridge to all traffic and pedestrian movementThe Uttarakhand government has decided to build a bridge across the Ganga in Rishikesh as an alternative to the iconic Lakshman Jhula which was closed due to safety reasons, Chief Minister Trivendra Singh Rawat said on Saturday.The bridge was in a dilapidated condition and not capable of sustaining the load of traffic, Rawat said, adding that its closure was the only option left.Keeping the bridge open to traffic could have been risky, especially in view of the upcoming Kanwar mela during which thousands of devotees cross it daily, he told reporters.The bridge was closed on Friday on the recommendation of a team of experts from IIT Roorkee. They had recommended immediate closure of the bridge to all traffic and pedestrian movement.”A decision has been taken to construct a bridge over the Ganga in Rishikesh soon as an alternative to Lakshman Jhula,” the chief minister said.The opinion of experts will be taken on how to preserve the Lakshman Jhula as a cultural heritage site, he said.Built in 1923 over the Ganga, Lakshman Jhula is located five km northeast of the town and connects the two villages of Tapovan in Tehri district on the western bank of the river and Jonk in Pauri district.One of the main attractions for tourists and devotees coming to Rishikesh, the pedestrian bridge was also used by two wheelers.It was named after Hindu mythological character Lakshman as it stands where he was said to have crossed the river with the help of jute ropes.Parts of many successful Hindi movies and serials were shot at the Lakshman Jhula including Ganga Ki Saugandh, Sanyasi and popular detective serial CID.Closure of the bridge could also affect tourism as it was used by visitors bound for Tapovan and the famous Neelkanth temple near Rishikesh.ALSO READ: Rishikesh’s iconic Lakshman Jhula shut FOREVER after experts call it beyond repairALSO WATCH: CST bridge collapse case: Structural auditor’s bail plea rejectedFor the latest World Cup news, live scores and fixtures for World Cup 2019, log on to indiatoday.in/sports. Like us on Facebook or follow us on Twitter for World Cup news, scores and updates.Get real-time alerts and all the news on your phone with the all-new India Today app. Download from Post your comment Do You Like This Story? Awesome! Now share the story Too bad. Tell us what you didn’t like in the comments Posted bySanjay Niralalast_img read more

Soch badlo papa BJP MLAs daughter who married Dalit boy appeals to

first_imgSoch badlo papa: BJP MLA’s daughter who married Dalit boy makes emotional appeal to dad on live TVSakshi, the MLA’s daughter had earlier filed a petition in the Allahabad High Court, seeking protection to “live a peaceful life” as a married couple. She spoke to her dad from the Aaj Tak studio on Friday.advertisement Next India Today Web Desk New DelhiJuly 12, 2019UPDATED: July 12, 2019 19:12 IST Sakshi Misra, daughter of MLA Rajesh Misra had uploaded a video on social media and informed about her wedding to Ajitesh Kumar.HIGHLIGHTSBJP MLA Rajesh Mishra’s daughter Sakshi on Friday made an emotional appeal to her fatherEarlier, Sakshi had said she was being threatened by her father and “his men” because she had married a Dalit manOn Friday, Sakshi asked her father to change his thinking and requested him not to discriminateSakshi, the daughter of BJP MLA Rajesh Mishra, whose viral video gripped the country this week, on Friday made an emotional appeal to her father with whom she spoke while sitting in the studios of Aaj Tak TV.Sakshi, in her viral video, had said she was being threatened by her father and “his men” because she had married a Dalit man. On Friday, Sakshi appeared on Aaj Tak TV and while in the studio, spoke to her dad over a call.”I had so many dreams and wanted to study. I used to tell my father to take me to work but he never took me seriously,” Sakshi said in a trembling voice. In an emotional message, Sakshi asked her father to change his thinking and requested him not to discriminate.Sakshi claimed that her father never let her step out of the house. “He [Sakshi’s father] had no clue what was happening with us. My brother and mother used to harass me when you were in the office,” Sakshi added.When called, BJP MLA Rajesh Mishra alleged that his family was being harassed. As Sakshi spoke with her father on Aaj Tak, she broke down and apologised to him. Rajesh Mishra said he wished she finds happiness in life, but disconnected the call soon after.THE CASESakshi and her husband Ajitesh had earlier filed a petition in the Allahabad High Court, seeking protection to “live a peaceful life” as a married couple.The next hearing in the case has been fixed for July 15 as Sakshi Mishra and her husband Ajitesh were not present in the court.Sakshi Misra (23) had uploaded a video on a social media platform last week, making her marriage with Ajitesh Kumar (29) public.In another video, she alleged there was a threat to her life from her father, brother and an associate.The couple asked for security, contending that there was a threat to their life from the BJP MLA, who was “unhappy” with their marriage as Sakshi was a Brahmin and Ajitesh a Dalit.The petitioners prayed that police or Rajesh Mishra do not disturb them in “their peaceful living as both petitioners were major and had entered into marriage with a free will”.READ | Respect her decision: BJP MLA denies threatening his daughter for marrying DalitREAD | Tell your goons to back off: BJP MLA’s daughter fears for life after marrying Dalit, releases videoWATCH | BJP MLA’s daughter who married Dalit boy makes emotional appeal to dad on live TVFor the latest World Cup news, live scores and fixtures for World Cup 2019, log on to indiatoday.in/sports. Like us on Facebook or follow us on Twitter for World Cup news, scores and updates.Get real-time alerts and all the news on your phone with the all-new India Today app. Download from Post your comment Do You Like This Story? Awesome! Now share the story Too bad. Tell us what you didn’t like in the comments Posted bySumeda last_img read more