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From left, Birnbaum, Mertz, Morris, Zamora and Schorr.
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Going All In
BITAC Panel Highlights The Increasing Impact Of Technology On Casino Hotels
By Dennis Nessler | December 10, 2021
Driven by an increasingly younger guest demographic and the need for additional efficiencies in a post-COVID environment, advances in technology continue to effect change on the casino hotel segment.
From mobile check-in and self-service kiosks to automated labor solutions and digital systems within the guestroom, there are a number of platforms that continue to evolve, according to a recent panel discussion at BITAC Casino Live 2021. The panel— which was moderated by Larry Birnbaum, principal, XENIOS Group—was entitled "Going All In: Technology Takes On Increasingly Important Role For Casino Hotels."
Given the depth of the ongoing labor crisis, the panelists were asked about how technology can help mitigate the need for additional personnel.
Seth Schorr, CEO, Fifth Street Gaming, assessed the situation.
"I don't know that anybody has the answer as to why the labor shortage is as extreme as it is today. I think there are certain positions, specifically in the kitchen, that should be automated. There are some jobs out there that really aren't great jobs and if we can replace some of those jobs with technology, labor robotics, I think that's the future. It should not be as a way to save on operating expenses, but to reallocate those expenses so we can incorporate that high-tech, high-touch which we've all talked about as an industry for a long time," he said.
Wendy Mertz, vp, IT, non gaming applications, Hard Rock International, also provided a few practical examples.
"We've done a few things, we have put in smart bars into some of our casinos so that way we don't have a person running back and forth with drinks. We have also put in kiosks for our food and beverage ordering. In addition, QR codes at the tables are another example where we're finding ways to actually get menus online again so you're not impacting the labor. But it's not easy, there are many areas to address whether it's housekeeping or down in the restaurants," she said.
Allison Morris, owner, All is On Consulting, touted the use of kiosks, specifically when it comes to check in, and believes that guests are generally receptive to it.
"Our industry is moving and changing and you need to be many things to many people. It's almost an offering to the guest. I'm just allowing it to be there for them if they choose, but there's still the front desk. We have a brand called Reverb where everything is kiosk, but there's still a front desk just in case somebody has an issue and goes off to the side. I don't know if it's a matter of training them, it's exposing them to it," she noted.
Schorr specifically cited The Mirage—where BITAC Casino took place—as a prime example of how mobile check-in can work effectively.
"When I saw the way that this hotel is presenting mobile check-in I think it's a perfect example. They have nice high tops set up, people are walking in they may have their luggage, they make it easy for the guests. Of course, they don't need those tables it's literally mobile check-in, it's on your phone, but make it an inviting experience. Think about what they [guests] want to do, what they [guests] have in their hands…I'm certain people are taking advantage of it, especially when they get to the check-in on a Friday night and they see 500 people on line. They're going to say 'how hard could that technology really be? I'm going to give it a try,'" he said.
Meanwhile, Juan Zamora, IT product manager, Wynn Las Vegas, underscored the impact of technology intelligence within the guestroom. He pointed out that the property has incorporated technology systems like Amazon's Alexa and DigiValet, which provides a tablet so the guest can manage the entire room.
"I think that what we did is we listened to our guests and we needed to create that environment for this new breed of people that are staying at our property. However, that need for the personal touch still exists very much and we haven't moved away from that. That will be the core value of the company, but we have I think intelligently incorporated enough technology that enhances that personal touch. At this point we can say that we have succeeded based on the response we've been getting from our guests," he said.
Finally, a pair of panelists shared their perspective on trying out new technology product and some of the more effective strategies for suppliers to incorporate.
"In general, I find nobody wants to be first. When I have a new product I try to find the most credible partner that I can work with and give them that technology, clearly for free. By free it's just not only not charging them, but generally their time and resources are their greatest asset. So find a partner with which I'm able to deploy my technology or product into their organization in as painless a way as possible for them and then leverage the heck out of it," said Schorr.
"We would go down the path of piloting first and there's got to be skin in the game for the person that's new coming in. We would be probably a little bit demanding, asking them to be on property and asking them to provide the resources. We'll do it with them, but you know it's about locking arms in a partnership so when it fails, or succeeds for that matter, you know we're both there in it together," said Mertz.
Dennis Nessler
Dennis Nessler is Editor-in-Chief of Hotel Interactive, parent company of Hotel Community Forum. Nessler brings more than 28 years of editorial experience to his position, including some 17 years in the hospitality industry. As part of his duties, Nessler not only covers the industry editorially but moderates various high-level panel sessions at hospitality events and frequently conducts one-on-one interviews with C-level executives.
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Jon Howells
Data Scientist and Software Developer in London, United Kingdom
Jon has been the lead data scientist one of the world's largest technology consultancies for several years, with experience managing large data science and engineering teams, and developing data strategies and product roadmaps. He has a strong leadership and communication style, and a solid academic and technical background, with an MSc in Machine Learning from University College London. He has led large, complex engagements across the education, consumer goods, retail, and public sectors.
Statistical AnalysisData AnalyticsData ReportingAlgorithmsBig DataMachine LearningDeep LearningPythonPython 3PandasBashData ScienceSQLPostgreSQLTableauShow more
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SQL Functions, Tableau, Amazon Web Services (AWS), Dataiku, Azure, Git...
Python, Machine Learning, Artificial Intelligence (AI)...
SQL Functions, Tableau, SQL, Python, Data Analysis
Python 10 years
Natural Language Processing (NLP) 8 years
Artificial Intelligence (AI) 8 years
Machine Learning 8 years
Project Management 5 years
Business Technology 5 years
Amazon Web Services (AWS) 3 years
Amazon Web Services (AWS), Python, Team Leadership, Artificial Intelligence (AI), Agile, Natural Language Processing (NLP), PyTorch
...thing I've done is lead a large team of data scientists, engineers, business analysts and testers, to develop production AI solutions used in over 20 countries.
Lead Data Scientist
Developed NLP solutions to understand consumer feedback and identify trends from product reviews, social media, and consumer complaints data. These solutions used GPT-3 and open source Transformer models, such as BERT using Hugging Face and PyTorch.
Managed a large data science and engineering team at a global consumer goods company. Set up two new data analytics teams in India, Poland, and Mexico with over 40 employees. The role involved recruitment, training, and onboarding of these teams.
Worked with several clients to develop their data strategies and product roadmaps and carry out data science maturity assessments.
Led a team to develop a machine learning solution for a large government department to prioritize and streamline complex visa applications, saving the department time, effort and money by reducing the strain on the case-working process.
Led the development of a new solution to monitor emerging consumer trends across multiple geographies, utilizing natural language processing and time series modeling techniques.
Set up a global data science community at a multinational client with over 30 analysts across ten countries.
Delivered a forecasting project for one of the largest fast-food restaurants in the world, forecasting menu item sales across all restaurants in the United States and using univariate and multivariate time series models, including ARIMA and AR-Net.
Technologies: SQL Functions, Tableau, Amazon Web Services (AWS), Dataiku, Azure, Git, Docker, Scikit-learn, SQL, Python, Data Science Studio, Pandas, Redshift, Python 3, Data Pipelines, Jupiter, Data Science, Predictive Analytics, Data Analytics, Forecasting, Predictive Modeling, Algorithms, Recommendation Systems, Data Reporting, Data Visualization, Language Models, Deep Learning, Text Generation, Speech Recognition, APIs, TensorFlow, OpenNLP, GPT-3, Large Language Models, LLM, JavaScript, Chatbots
Led the development of a public relations alerting system using natural language processing and time series analysis techniques to alert the leadership for some of the world's largest consumer brands.
Managed team-building, industrialized NLP tools for hundreds of users at a large consumer brand company.
Supervised a team developing data science reports and dashboards to respond to market research briefs, using social, search, and eCommerce reviews data.
Technologies: Python, Machine Learning, Artificial Intelligence (AI), Natural Language Processing (NLP), JavaScript
Data Analytics Consultant
Led team building statistical models in Python and R for a UK retail bank covering pricing optimization, customer churn, customer cross-sell, and financial investigations.
Analyzed interest rate swaps data and contracts as part of an investigation into LIBOR fixing.
Worked with KTrace, a forensic data analysis methodology used to detect anomalies in data known to indicate potential fraud and misconduct.
Analyzed security transactions via the stock exchange daily official list (SEDOL) numbers to identify indirect tax savings.
Reviewed SQL data warehousing solutions to identify customers affected by mortgage overpayment, mortgage underpayment, and deceased customers.
Worked with the National Health Service regulating body Monitor to assess models on patient service costs.
Technologies: SQL Functions, Tableau, SQL, Python, Data Analysis
Rightmove
Developed machine learning models to predict new property sales using a range of internal and external data for a SaaS company in the proptech sector. The company was acquired by the UK's largest property website RightMove.
Created a web application presenting custom analytics around employee health tracking.
Analyzed a large client email database for a real estate company using natural language processing.
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COVID.txt
https://github.com/jonhowellsAI/covid-txt
A Dash application to explore the COVID-19 open research dataset (CORD-19) using natural language processing.
Deployed as a Dash app using Docker on AWS Elastic Container Service (ECS) using AWS FARGATE.
Consumer Trends Monitoring
Led a team to develop and deploy a solution to identify consumer trends for one of the largest consumer goods companies.
The data product harnessed social data and search data using natural language processing and time series analysis to identify emerging consumer trends.
The solution covered multiple geographies and languages, including the US, UK, Japan, Brazil, Argentina, Thailand, and South Africa, alongside multiple verticals, including personal care, foods and refreshments, and home care.
This was used to inform new product development and product enhancement. As a result of the insights, a number of new products were developed or enhanced for some of the largest consumer goods brands (e.g., Dove, Magnum, Ben & Jerry's).
Public Relations Alert System
Led the development of a PR alert system for one of the world's largest consumer goods companies, Unilever. This involved developing a flow in Dataiku DSS to ingest social media, news, and reviews data, then use natural language processing and time series analysis techniques to detect negative sentiment changes towards the companies' brands or topics that the company wanted to track, such as sustainability. When PR issues were detected, the system alerted relevant leadership via Twilio so that they could coordinate a response.
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Master of Science Degree in Computational Statistics and Machine Learning
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DECEMBER 2020 - PRESENT
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Five Vernon Malone College and Career Academy Students Receive Lucrative Job Offers
Jaylen Browder has "always been a hard-working young man, very independent and willing to learn," says his mother, Eunice Torres-Browder. Those qualities were part of the reason Jaylen decided to attend the Vernon Malone College and Career Academy, a unique school that allows students to complete studies in one of seven Career & Technical Education programs as part of their high school graduation credits.
The school also has developed relationships with many companies in the area that provide not only internship opportunities but also secure employment after graduation.
Jaylen was among five current Vernon Malone students to sign Wednesday with two local businesses - HVAC repair specialists Newcomb and Company and Piedmont Service Group - that have offered them permanent jobs after graduation and will fund their studies at Wake Technical Community College. One recent graduate also signed on Wednesday, joining two others who already have begun work.
The event, by design, had the same celebratory atmosphere as when high school athletes commit to play for a university.
'A Huge Opportunity'
"I think it's important to put today into context," Vernon Malone Principal Abby Stotsenberg told the staff members, business leaders and family members that had gathered for the occasion. "One of the main sources of stress for high school students today are the unknowns about what comes next. How will I pay for college? Will I be able to get a job that will enable me to support myself and my future family?
"Today, Newcomb and Piedmont are eliminating these sources of stress for numerous students. By providing a guarantee of employment and funds for further education, these businesses have provided a huge opportunity for three of our graduates and five current students ... to get a running start into adulthood with supportive system that will enable their success. We could not be prouder of these young men and cannot wait to see what the future holds for them."
Justin Benjamin and Jadin Dasher received job offers from Piedmont Service Group. Jaylen Browder, Hugh Hines and Zamien Williams received job offers from Newcomb & Company.
Clarity of purpose
All the students drew praise from employers for their work ethic, inquisitiveness and determination to excel.
"On Day 1, we ask the following of our interns: work safe, be reliable and on time, be respectful, and earn the respect of others through your actions/interactions," said Mark Webster, operations manager for Piedmont Service Group, noting that all the interns had lived up to those expectations. "It's interesting to note that the students attending Vernon Malone tend to have a clearer view of what they want to do in life – and some have real clarity in terms of their purpose and professional plans."
Justin Benjamin's parents, Russell Benjamin and LaKecia Benjamin, said their son's maturity and career-focus was on display both in deciding to attend Vernon Malone and in pursuing the internship opportunity. "We were ecstatic that Justin was chosen for the internship," they said. "It felt like him attending Vernon Malone was one of the best decisions we made as a family."
Application Deadline: Dec. 16
Vernon Malone offers programs taught by Wake Tech instructors in the following fields:
Biopharmaceutical Technology
Collision Repair (rising 10th and 11th graders only)
Facility Maintenance Technology
Nurse Aide
Simulation & Game Development
Students can earn upwards of 30 college credit hours at Vernon Malone while also gaining invaluable real-world experience both on campus and through internships. The school boasts a 100% graduation rate, and its graduates have earned hundreds of thousands of dollars in scholarships.
You can take a virtual tour and schedule an in-person visit online.
But don't delay! The application deadline for Early College programs such as Vernon Malone College and Career Academy is Dec. 16. Learn more and apply at wcpss.net/earlycollege.
1002 Lufkin Road, Apex NC 27539


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New F&I e-Rating/e-Contracting Provider Partners With Compliance Expert
September 14, 2016 • by Staff
COLUMBUS, Ohio — Over the Edge is a relatively new player in the F&I product e-rating and e-contracting arena, having launched its TecAssured software suite this past May. OnMonday, the technology development and design company announced its partnership with Keith Whann, a national compliance expert and attorney.
Whann's role will be to advise and consult clients as they use Over the Edge's cloud-based TecAssured system, which is designed to allow dealers, agents and third-party administrators to sell and manage their own custom, private-label products. Whann will focus on helping these businesses navigate the complex industry laws and regulations governing the sale of F&I products.
"Keith is one of the few people in this industry who has seen it from all sides — as a former regulator, industry attorney, business owner and technology developer," said Over the Edge CEO Joseph Pesce. "He understands the many nuances involved and can help our clients develop profitable products while staying within industry guidelines."
Whann is a leading authority on the issues that face automotive dealers, agents and related businesses, including compliance, sales, F&I, and technology. For more than 30 years, Whann has successfully predicted industry and regulatory trends, including the development and implementation of several compliance document-review and dealership walk-through programs. Whann also consults businesses on how to integrate F&I products and services into the sales and financing process from a big-picture perspective.
"Over The Edge is providing powerful technology that has a direct impact in the dealership F&I department," Whann said. "My work will make a difference to TecAssured users by making transparency and compliance not just words, but real dealership practice."


Hello everyone. Our Lost Clipper team has entered a contest to help promote our effort to find and bring home those 15 Americans from a remote Pacific Island, pre-WWII. Would you please vote for the search photo at the following link? It only take 10 seconds and all you have to do is click a vote button to verify you are not a robot.
It would mean the world to us to support this patriotic endeavor! Come back to vote again each day and help us out.
The GSSI StructureScan™ Mini was critical in searching for fifteen Americans entombed under a concrete slab in a long abandoned Japanese Navy fortification. On July 29, 1938, Pan Am Airways flight #229 departed Guam bound for Manila in the Philippine islands on a routine trip bringing passengers and cargo from the US to Hong Kong. During this particulate leg, two Japanese Navy aviators stowed away within the M-130 flying boat and hijacked the aircraft making it the first areal event of it's kind. The plane was then forced into radio silence and flown to the remote Imperial Japanese Base of Truk Lagoon where the passengers and crew were killed and buried under a concrete slab (as indicated by multiple eye-witnesses after World War II). Because of the StructureScan™ Mini size and portability as well as image quality, the combined research team of Americans and Micronesians used the device to search multiple slabs for fifteen human-sized voids. The very last slab scanned on our third trip showed a positive indication to which we hope to start excavation soon.
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Music and Audio Product News
Keyboard jam! Jon Lord and Rick Wakeman.
Gotta love that Hammond B3. Great band. Great jam!
New music listening room
The new music room is finally finished and ready for the best part...listening to music!
Mike Nesmith's original 1970s albums available with bonus tracks
Michael Nesmith's six early 1970s albums for RCA Records appeared on various platforms today, and even more surprisingly, each album was chock-full of bonus tracks. https://www.monkeeslivealmanac.com/blog/michael-nesmiths-rca-albums-arrive-unannounced-with-previously-unreleased-bonus-cuts
New vinyl re-releases from Cowboy Junkies now available
Cowboy Junkies just announced a limited quantity of the newly released vinyl re-issues of The Caution Horses, Black Eyed Man and Pale Sun, Crescent Moon. These releases are all audiophile quality, remastered by the band and Peter Moore. Each album is spread across two discs for optimum sound quality, pressed on 180gm vinyl, and in gatefold sleeves with enhanced artwork. Also restocked is the audiophile vinyl re-release of The Trinity Session and the Trinity Revisited CD/DVD, as well as The Kennedy Suite. You'll also find vinyl and CD copies of All That Reckoning. http://https//www.cowboyjunkies.com/new-vinyl-available/
Soul Of The Machine- Windham Hill Records
Soul Of The Machine- A Windham Hill sampler LP of New Electronic Music.
I found this mint vinyl copy at Half Price Books for a buck. The high quality sound and vinyl pressing sounds clear, dynamic and well balanced with a nice lower bass register, all typical attributes of recordings from Windham Hill Records. Soul Of The Machine was first released 31 years ago in 1987 and on the back of the album jacket they remind us that this release is "available on CD and BASF chrome cassette". This release is a collection of various keyboard and electronic artists so if you like this style of music be sure to pick up a copy for yourself. if you stumble across a vinyl version pick it up for sure or, maybe youI can find it on CD...or, cassette. 5 Stars.
Onkyo earns 'Works with Sonos' certification
Onkyo is the latest partner to join the Sonos-certified integration program. Simply put, if you own a compatible Onkyo, Integra, Pioneer or Pioneer Elite network receiver, plus a Sonos Connect, you'll be able to have the two work together seamlessly. When you open the Sonos app, hit 'play' on the zone where the Connect is, it will automatically turn on the receiver, switch the input and start playing the music you selected.
A free firmware update will go out on June 6th. To learn more or see what receivers are compatible (shared June 6th), please check out this link.
Mark your calendar. The 2018 edition of National Record Day is April 21st. You can access the RSD website here, type in your zip code and find out which specialty music retailers in your area will be participating. As in past years, there will be many special editions, re-releases, remixes, outtakes and fun album artwork. http://www.recordstoreday.com/Home
New album release by Emily Hurd
Emily Hurd's new album, Backbone, is out now. Emily has been hard at work, completely gutting and building her new restaurant, The Norwegian. Kids, career, family and countless remodeling 'issues' have slowed progress in opening The Norwegian. However Emily has learned a lot about herself and developed an even stronger backbone. You can purchase her new album here https://emilyhurd.com/music
Emily was also recently interviewed by Jason Todd and Alex Gary at Thinker Ventures podcast studio in downtown Rockford, IL. Have a listen as Emily talks about life, family, and her music. Click on this link to stream from the Thinker website. Or listen to it on the Apple and Android podcast stores. Enjoy. https://thinkerventures.com/podcast/seeing-finish-line-emily-hurd/
Alice Cooper's interview about the life and his friendship with Glen Campbell
FOX 10's Matt Rodewald spoke with famed musician Alice Cooper, as news came Tuesday of Glen Campbell's passing. Campbell was 81 years old.
Grado headphones
I've been asked by several people lately to recommend headphones under $100 for home listening. I recommend any models from Grado Labs. They perform well, look good and their open air design allows for a much better, airier sound.
Forget, earbuds. They are crap. Get a cool set of cans from Grado Labs...another benefit- the company is based in New York and they still manufacturer their products there. Family owned for decades and some of their higher end headphones are still built by hand.
You gotta love their retro look too. 🎧
http://www.gradolabs.com/headphones/prestige-series/item/1-sr80e
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Processed Ice Penetrating Radar Altimeter Shot Data (SEGY, version 1) from the Gamburtsev Mountains in Antarctica acquired during the GAMBIT Twin Otter expedition AGAP_GAMBIT (2008)
https://doi.org/10.1594/IEDA/318208
Bell, R. (2019) "Processed Ice Penetrating Radar Altimeter Shot Data (SEGY, version 1) from the Gamburtsev Mountains in Antarctica acquired during the GAMBIT Twin Otter expedition AGAP_GAMBIT (2008)" U.S. Antarctic Program (USAP) Data Center. doi: https://doi.org/10.1594/IEDA/318208.
AGAP_GAMBIT
This data set was acquired with a Ice Penetrating Radar Altimeter during GAMBIT Twin Otter expedition AGAP_GAMBIT conducted in 2008 (Chief Scientist: Dr. Robin Bell). These data files are of SEGY format and include Reflection Radar shot data and were processed after data collection. Data were acquired as part of the project(s): AGAP: Exploring the Gamburtsev Subglacial Mountains during the International Polar Year 2007 - 2008 and Antarctica's Gamburtsev Province Project (AGAP).
Bell, Robin; Studinger, Michael
USAP-DC (current) - MGDS (original)
Creative Commons Attribution-NonCommercial v4.0 Generic [CC BY-NC 4.0]
West: 65, East: 89, South: -85, North: -77.5
Temporal Extent(s)
Start: 2008-11-30 - End: 2009-01-17
Collaborative Research: IPY: GAMBIT: Gamburtsev Aerogeophysical Mapping of Bedrock and Ice Targets
Bell et al., 2011 Widespread Persistent Thickening of the East Antarctic Ice Sheet by Freezing from the Base Science 331. (doi:10.1126/science.1200109)
Aerogeophysics
AGAP
Airborne Radar
East Antarctica
Gamburtsev Mountains
Glaciers/Ice Sheet
Ice Sheet
Radar Echo Sounder
Large dataset. Contact us to arrange download.
MD5 Checksum: 3eab7f07c245b393279997075ab38299 File Type: XML; Text File; Navigation Text File; SEGY Navigation File
AGAP_GAMBIT_flight_navigation_data.zip
MD5 Checksum: d37a6d852d7ba71040abbd83c5831e2b File Type: Navigation Text File
AGAP_GAMBIT_radar_segy_filelist.txt
MD5 Checksum: e9e3af77248c70603c7b66f014e46674 File Type: Text File


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The EU's Astonishing Ghost Car Crisis
Home/Scrap My Car The EU's Astonishing Ghost Car Crisis
Just to clarify, we're not talking about the kinds of ghost cars that jump out from under the bed and say 'Boo!' in the middle of the night. Instead, we're talking about the enormous chunk of the EU's recycling ambition that seems to have disappeared without a trace.
Every year, somewhere in the region of 10 million cars in the EU are declared no longer fit for use and leave public roads once and for all. The only problem being that according to a new report published by the European Commission, as few as 60% of these cars are officially scrapped.
What happens to the rest is anyone's guess.
Incredibly, this would mean that approximately 3 to 4 million cars leave EU roads every year and simply vanish into thin air. All of which translates to millions of tons ofmetal, plastic, rubber, glass and other materials that don't get recycled. Not to mention, a whopping 50 million liters of potentially dangerous fluids that likewise disappear.
As far as the European Commission is concerned, the above translates into a potential environmental disaster. Not to mention, a European car scrapping and recycling system that simply isn't working.
Dude, Where's My Car?
Of course, millions of cars don't actuallydisappear into the ether every year. Instead, they fall victim to a variety of pursuits that are both dangerous and illegal in some instances. For example, research suggests that around 5% of these ghost cars are illegally sold and exported overseas. Some continue to be driven on EU roads, despite constituting enormous health hazards to the public in general. And of course, millions are simply allowed to rot away for all eternity, polluting the landscape and the environment in general.
The problem being that as each nation has its own unique approach to car scrapping and recycling, it's extremely difficult for the EU to meet its collective goals. What's more, it's almost impossible to comprehensively track the movements of end-of-life vehicles and determine exactly where they end up. It's known that millions of cars disappear, but what happens to them remains largely guesswork.
Still, it further emphasises the importance of doing the right thing when dealing with a vehicle that's no longer suitable for use on public roads.
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By Lisa Morton|2019-06-22T08:37:41+00:00June 22nd, 2019|0 Comments
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Cost of government debt threatens economic reform programmes - Daily News Egypt
Business Cost of government debt threatens economic reform programmes
Cost of government debt threatens economic reform programmes
The government successfully controls the subsidies and salaries bills, but fails to handle the interest on government debt
Ahmed Farahat September 23, 2016 1 Comment
The government is making a significant effort to control the expenditure on the public sector employees' salaries and subsidies, and is drafting a number of laws for that aim. However, it seems highly inadequate in front of the excessive increase of government debt costs.
The cost of government debt has jumped to represent slightly less than one third of the expenses in the budget of the current fiscal year, becoming the biggest burden to the government, instead of the subsidies and the public sector employees' salaries, as was the situation in previous years.
The interest on the government's debts of the current fiscal year is about EGP 300bn—the highest spending item in the state's general budget—representing approximately 9% of the gross domestic product (GDP).
The government has had to ask for help from the International Monetary Fund (IMF) to escape from the high cost of borrowing in local currency, and has taken measures to control expenditure in order to slow down the increasing rate of borrowing.
While the subsidies bill has shrunken to 6% of the GDP and the increase in government salaries was controlled through adopting a new law limiting the increase to only 7% annually, the government's borrowing is still very costly. The government is depending on selling weekly treasury bonds and bills at a cost of 14-17%.
Analysts say that the cost of the government's borrowing could have become a number of percentage points less if the government widened the base of its creditors. However, it has failed to do so over the years.
The government depends on the system of major traders to cover its financial needs in local currency. Fifteen banks exclusively buy the government bonds in return for guaranteed coverage, while they have the right to sell the bonds or keep them after that.
Public debt represents about 100% of the GDP, 85% of which is in local currency, which shows the influence that the major traders have.
The government and banks have held several discussions throughout the past years to activate a secondary market for government bonds. Ideas like obliging the major traders to sell a specific part of their purchases from the primary market have been presented. However, sources said that the Central Bank of Egypt (CBE), which manages government offerings, opposed the idea of conducting modifications to the current system.
Head of Research at Pharos Holding for Financial Investments, Radwa El-Swaify, said that in the coming period, the government will go towards foreign borrowing because of the increased rates of the domestic debt.
El-Swaify expected the foreign debt rates to increase to over 20% of the GDP, as a result of the current borrowing operations.
She noted that the government will move towards this policy in two to three years—the period of the economic reform programme. Therefore, there will be a direction to annually offer US dollar bonds abroad, if the next offering succeeds in reducing the financing gap.
She added that borrowing from the IMF, the International Bank for Reconstruction and Development, and the African Development Bank proves that the government is taking this new direction, in addition to the government's intention to offer US dollar bonds in the international markets in the next months and the deposits coming from the Gulf countries.
She also said that the domestic debt is increasing compared to international norms, while foreign debt is within the safe limits, noting that the stability in the exchange rates contributes to decreasing the return on the instruments of the domestic debt, compared to the foreign debt.
She explained that the current return on the treasury bills has amounted to 16%, while the cost of borrowing from abroad ranges from 6-7% on the US dollar bonds.
El-Swaify noted that forming a secondary efficient market for the government bonds contributes to restructuring the domestic debt by including the involvement of huge investment banks.
She also said that offering treasury bills to be dealt by individuals and companies contributes to finding liquidity, but needs administrative work through setting up codes and bank accounts for the traders.
She added that offering financial instruments for individuals, such as treasury bills, creates several investment opportunities, besides the opportunities enabled through banks and the stock market.
El-Swaify said that the presence of a secondary market creates flexibility in the market and freedom for the investors, and also contributes to involving a large base of investors, especially since the return on it is guaranteed by the government.
She cited the success of the government in collecting EGP 60bn for the operations of digging the New Suez Canal through offering investment certificates to individuals with high returns.
El-Swaify added that the diversity of the maturity period of the debt instruments contributes to their success amongst investors. There are a number of insurance companies with long-term investments that need financial instruments with long periods, ranging between 10 and 30 years, while there are other companies willing to invest in short- and medium-term instruments.
She said that the government's increased reliance on the short-term bills instead of the long-term bonds is attributed to the presence of more liquidity for the former. In addition to that, a number of companies invest in the bills because of the absence of a secondary market for trading.
The government is now trying to get out of that critical situation through moving towards increasing borrowing from abroad. Moreover, the economic programme that has been agreed on with the IMF includes increasing least expensive foreign financings and limiting reliance on the local financial regime.
Both parties have reached an agreement stipulating the borrowing of $12bn from the IMF over three years, and offering bonds worth $3bn in the next month in international markets, as well as the provision of $6bn from other foreign financing sources during the current fiscal year.
In spite of this news, the return on the government debt instruments kept increasing to the extent that the government had to cancel a number of long-term auctions.
Earlier, the Ministry of Finance had issued a medium-term strategy for managing the debt, with the aim of expanding the issuance and reopening of long-term treasury bonds gradually. This aims to increase the average lifetime of the debt that can be traded and to build a yield curve that combines government debt instruments, and thereby reduces the risk of refinancing.
The strategy also includes the diversification of financing sources through issuing new financial instruments, such as sukuk, in order to finance developmental and infrastructure projects, and attract more individual investors and financial non-banking institutions. This would have a great impact on reducing the cost of issuing government securities.
In order to develop the debt market and enhance the government's transparency, the strategy aims to set benchmarks for the yield curve of three-year, five-year, seven-year, ten-year, and maybe even longer term treasury bills.
In addition to that, it aims to increase the number of instances of reopening treasury bonds to reach EGP 12-15bn for each issuance and regulating the treasury bond auctions in a way that prevents competition between the different maturity periods. This will occur through the issuance of three- and seven-year bonds in one week, and five- and ten-year bonds in a later week, particularly on Mondays.
Moreover, three- and nine-month treasury bills will be issued on one day, and six- and twelve-month treasury bills will be issued on another day.
The Ministry of Finance now sells treasury bills with different maturity periods on Sunday and Thursday of every week, while on Monday it sells bonds with different maturity periods.
The total public debt, according to the most recent statistics from the CBE, amounted to EGP 2.4tr, representing 80% of net debt to GDP.
The domestic debt is divided into EGP 2.2tr in treasury bonds and bills, of which EGP 1.5tr are treasury bonds, and EGP 697.6bn are treasury bills.
The aggravation of the public debt is putting pressure on the state's general budget deficit as a result of the high interest rate. The value of the government's borrowing from the bills and bonds amounted to EGP 1.1tr during the previous fiscal year, while the high cost of debt is putting pressure on the budget deficit that is already high and has been expected to register 11.5% of the GDP by the end of the fiscal year that came to an end in June.
Deputy Minister of Finance, Ahmed Kojak, said to Al Borsa that the government has a plan to reduce the public debt to GDP ratio. The plan is based on a number of points, first of which is enhancing the first deficit rate to the GDP, in addition to increasing the rates of real growth through supporting the programmes of exporting and industry, and improving the investment climate.
He added that the other steps towards improving the debt depend on decreasing the average real interest rates through diversifying the sources of borrowing and issuing long-term bonds.
Chairperson of the Egyptian Financial Supervisory Authority (EFSA), Sherif Samy, said that restructuring the public debt needs a diversification of the financing instruments. There are many financing tools in the market that the government does not use, such as financial leasing, real estate funds, and issuance of stocks and revenue bonds for projects, which alleviate the pressure of borrowing.
He added that issuing bonds and keeping them without trading will not affect the public debt.
He also said that activating the secondary market of the government debt instruments would attract a new segment of investors; however, it does not reduce the public debt. He stressed on the necessity of financial engineering to provide the financing needs of the projects, whether through issuing revenue bonds, offering company stocks as public offerings in the stock market, establishing a real estate investment fund to carry out schools, or financial leasing for the equipment.
The current laws enable the application of these financial instruments, he added. However, they require good pricing to guarantee that the cost will not increase in the future.
He stated that sukuk is one of the best financial instruments to attract a number of investors, such as Gulf institutions, takaful insurance companies, Sharia-compliant funds, and banks, and therefore, they should be utilised.
Egypt adopted a law for sukuk three years ago, but it has not used that instrument yet. It has aimed to attract investors to finance local projects. The law was amended; however, there are still unknown obstacles obstructing the activation the law.
Samy said that issuing long-term governmental debt with maturity periods of more than 10 years requires good pricing for the interest rate to guarantee that the cost of borrowing will not increase. England has bonds with maturity periods of 50 years, attracting life insurance companies that look for continuous long-term return, regardless of the origin of the amount, as long as the pricing is done in a correct manner. The US also has bonds with maturity periods of 30 years.
In the same context, chief analyst at UAE-based investment bank Arqaam Capital, Reham Al-Dessouki, said that reforming the public debt will not be achieved through activating the secondary market of bonds, but reducing the debt may be achieved through increasing repayment periods and reducing costs.
She added that reducing costs is done through the government expanding the issuance of bonds more than bills, but that would be linked to the return rates.
She said: "If the interest rate on the long-term items is higher than that of the other maturity periods, such as one-year, six-month, and three-month, it will attract more investors. However, since the differences between them are insignificant, we find that the demand rates are not high."
Topics: costs debt economic reform GDP
Ahmed Farahat
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https://cdn1.dailynewsegypt.com/2016/09/23/cost-government-debt-threatens-economic-reform-programmes/
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Hidden in Plain Sight: The "Pietre di Paragone" and the Preeminence of Medieval Measurements in Communal Italy
by Sandra Alvarez
EMANUELE LUGLI
Gesta, Vol. 49, No. 2 (2010), pp. 77-95
In the squares of many Italian cities, unnoticed by most passersby, incisions carved in stone reproduce the dimensions of the measurements that were employed locally until 1861, when the nation endorsed the metric system. by gathering the evidence pertaining to these forms of display, this essay hopes to bring them back into historical consciousness. The story that follows is a rich one, for these carvings – here are called pietre di paragone – performed many key functions in medieval society. Besides regularizing trade, they were at the centre of concordance of gazes and bodies, social rituals that contributed to the construction of collective identity, and the political establishment of the Italian communes.
An investigation into the nexus between politics and the measurements shows how the latter originated in the crumbling of imperial authority at the end of the tenth century. In addition, the political significance of the pietre is underscored by the tremendous attention that local authorities have paid to their preservation. These maneuvers lend weight to the cause of those scholars who challenge the idea of the Middle Ages as a dark, uncivilized era.
Click here to read this article from Gesta
TagsArchitecture in the Middle Ages • Art in the Middle Ages • Early Middle Ages • Mathematics in the Middle Ages • Medieval Italy • Medieval Urban Studies • Tenth century


Laying cement board for the first run of tile.
The new appliances were scheduled to be delivered on February 21, so the kitchen floor had to be in by that time. I was surprised at how much planning it took to lay the tiles. It isn't as easy as shown on HGTV. I can't even begin to describe how you have to choose which wall to start from and which direction and where you want tiles to end and begin so that you have whole tiles where people walk and not partial tiles. You have to lay cement board and let that dry. You have to lay tiles and let that dry with spacers between the tiles. Then there is the grout.
We both agreed that the kitchen and breakfast area would be tile. We chose, which surprised me considering my usual New England taste, a Mediterranean type tile. I like the geometric pattern and the colors in the wood and stone kitchen. We disagreed, until just recently at the end of March, on whether to tile the dining room. The dining room will be where the old kitchen was (to the right of the photo above). That area is not even demolished yet, but at least we are reaching consensus on what it will look like!
Once the floor was finished, the appliances could be installed. Above you see how the planning part of tiling affects the areas of the floor where the refrigerator and dishwasher will go. John saved the tiling of the kick plates under the cabinets until all of the tiling was done. Even that part of the floor required a couple of days of pondering and design.


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Home » The airfields
When the pilots had completed pre-flight training and were ready to get into a cockpit, the next phases of flight training took place first at Moton Field then at Tuskegee Army Air Field, both in the vicinity of Tuskegee Institute.
Moton Field
Primary flight training took place at Moton Field. It was built between 1940 and 1942, owned by the Tuskegee Institute and operated under contract of the War Department. The facility included two aircraft hangars, four grass runways, a control tower, locker building, clubhouse, wooden office and storage buildings, brick storage buildings and a vehicle maintenance area. It was named for Robert Russa Moton, the second president of Tuskegee Institute. At Moton, cadets learned to fly bi-planes (PT-17 and PT-13) and monoplanes (PT-19). Tuskegee Institute was one of the very few American institutions to own, develop and control facilities for military flight instruction.
Tuskegee Army Airfield
Basic, advanced and transition flying training took place at the larger Tuskegee Army Air Field several miles northwest of Moton Field. It was a full-scale but segregated military base built by the USAAC. Tuskegee Army Air Field was owned by the Army Air Forces. It had four paved runways and three large double hangars. Cadets flew basic trainer aircraft (BT-13) in basic flight training and advanced trainers (AT-6) in advanced training. Transition training for future fighter pilots took place on principle fighter aircraft (P-39 and P-47). Those training for possible bomber pilot positions flew twin engine aircraft (AT-10 and TB-25), although the trained bomber pilots would never deploy overseas because of the cessation of hostilities in 1945.
Most of the leadership and instructors in the Tuskegee program were white and all facilities were segregated. But at Tuskegee Army Air Field, Colonel Noel Parrish, head of the facility during most of the war, successfully integrated the base's dining facilities, a remarkable change at the time.
Read on: A great champion: Brigadier General Noel Parrish
After the war, training continued, but was expanded beyond Tuskegee to include other bases in New York, Oklahoma, and Arizona before the full integration of the Air Force in 1949.
In 1972, a large portion of the airfield at Moton Field was deeded to the city of Tuskegee for use as a municipal airport, still in use today. Presently, the Tuskegee Airmen National Historic Site, operated by the National Park Service, is located at Moton Field Municipal Airport.
Read on: A walk through Tuskegee's Moton Field
At present day, only one runway at the original site of the Tuskegee Army Air Field is listed as active, but is held under private ownership. The original facilities are in ruins.


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MTC|News
InTrans / Oct 28, 2022
CMAT's Shane earns diversity award
Construction Management and Technology (CMAT) program director Jennifer Shane has made advancing diversity, equity, and inclusion (DEI) a part of her teaching, learning, and research activities, but it's also something she lives every day.
Shane's commitment to DEI earned her one of two Inclusive Excellence awards from Iowa State University's College of Engineering. Shane is also the W.A. Klinger Teaching Professor at Iowa State.
The award recognizes faculty and staff members in the College of Engineering who have exhibited dedication and superior service toward enhancing diversity and inclusion. Diversity and inclusion enhancement activities include but are not limited to efforts to integrate and promote diversity-enriching experiences into teaching, research, service, and outreach activities. Jacqueline Shanks, a professor in chemical engineering, also earned the award alongside Shane.
Shane's efforts include publishing and speaking on strategies for recruiting and retaining diverse engineers in construction and in the transportation industry. Around campus, she's known for the many ways she creates inclusive, supportive environments—in her classrooms, through the Department of Civil, Construction, and Environmental Engineering (CCEE) women's networking group she founded, and in professional service to the department's and college's DEI efforts.
Some of the institutional service activities Shane has been involved in include participation on the university's Center for Excellence in Learning and Teaching Academic Inclusion and Equity Advisory Board and the college's Diversity and Inclusion Committee, and serving as chair of the CCEE department's Equity, Diversity, and Inclusion Committee.
Beyond campus, Shane led the CMAT program's efforts to provide resources for disadvantaged business enterprises (DBEs) and which included research into DBE characteristics nationwide. She has also written several journal articles recently on inclusion in the construction industry.
To see the full list of Iowa State's College of Engineering faculty recognized this fall, see the college's summary of the award winners.
Sturgill earns Early Achievement in Teaching award
InTrans / Apr 13, 2022
InTrans releases En Route, annual report for 2021 calendar year
InTrans / Dec 13, 2021
InTrans hosts peer exchange on project delivery methods


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Metro narrows down options for South Bay train service
An extension of the Green Line to Torrance is moving forward
By Elijah Chiland Sep 28, 2018, 11:50am PDT
Metro is extending the Green Line four miles to a new transit center in Torrance.
Walter Cicchetti | Shutterstock
Metro's Green Line train has been carrying riders to and from Redondo Beach since 1995, but soon it could travel four miles deeper into the South Bay, ending in the city of Torrance.
On Thursday, Metro's Board of Directors moved forward with two possible routes for the train. Both would extend the line from the existing Redondo Beach station to the under-construction Torrance Transit Center, passing through the city of Lawndale along the way.
One possible route, referred to by Metro as "alternative one," would use an existing rail corridor to get there, simplifying the construction process. It would stop just once on the way, at a proposed transit center in Redondo Beach.
The other option, "alternative three," would take the train down Hawthorne Boulevard, stopping at the South Bay Galleria before continuing to the transit center in Torrance. Metro will no longer consider two other alignments, including one that would run briefly along Artesia Boulevard.
According to Metro's initial estimates, a train running along the Hawthorne Boulevard route would cost between $110 million and $327 million more to build than the option using existing right-of-way. But it could mean slightly more riders; the agency predicts an additional 300 daily boardings with the Hawthorne alternative.
A map of the two project alternatives.
Torrance officials told the Metro Board Thursday that the city would be best served by alternative one, as it had the best chance of being complete by the 2028 Olympics (at which time Metro aims to have completed 28 major transit projects, including this one).
Residents of Lawndale pushed back against both routes for the project, arguing that the benefits of improved access to LA's rail network would be outweighed by the inconvenience of construction on the light rail and the eventual noise of the train passing through residential areas. Neither route would have a stop within the city.
"The project alternative that the city of Lawndale would want is no project," said Lawndale community development director Sean Moore. If the project does move forward, he told the board, it should be underground.
Lawndale mayor Robert Pullen-Miles agreed, saying: "undergrounding is really crucial for this project to be successful."
Moving some or all of the project underground would likely increase the cost of construction significantly.
Boardmember Janice Hahn, who represents the South Bay as a county supervisor, said that she was "trying to listen to everyone's concerns and build consensus." But she also stressed that she was unwilling to support efforts to stop the project.
"I want to build it in the next decade," said Hahn.
Boardmember and LA Mayor Eric Garcetti said there was still time to make the project more palatable for Lawndale residents.
"If anyone feels not listened to then we're failing," he said.
Metro board approves mayor's plan to speed up transit projects in time for LA Olympics [Curbed LA]
Metro looking at options to push the Green Line deeper into the South Bay [Curbed LA]
Will the Crenshaw Line strand South Bay riders? [Curbed LA]
A guide to the subway formerly known as the Red Line Now called the B Line, it reaches some of the most iconic landmarks in Los Angeles.
Rent control in LA, explained Here's how the local laws work.
Meet the ghosts at LA's most haunted hotels Just in time to schedule a spooky Halloween staycation, a guide to the paranormally-blessed hotels of Los Angeles.


Jada is a 2018 graduate of the University of South Carolina's School of Journalism. In 2014, Jada launched a nonprofit mentoring organization called iShapeMe Inc. that aims to help girls and young women shape themselves mentally, physically and spiritually. The organization encourages high self-esteem, a positive body image, a fit and healthy lifestyle and a grounded faith in Christ. She is also a member of Alpha Kappa Alpha Sorority and the National Association of Black Journalists.


December 12, 2017 by skrommel 0 comments on "UrlHistory"
Watches the clipboard for web addresses and saves them with a comment.
- Doubleclick the tray icon to add an url manually.
Thanks to Ace_NoOne at DonationCoder Forum for the idea!


Cadillac has pioneered automotive innovation for over a century. They have been around for 113 years. Today, Cadillac continues to reinvent itself as a car brand. "The transformation of Cadillac is happening all around us. And it has been a while since our industry has witnessed change of this magnitude." says Johan de Nysschen cadillac's president. A perfect fusion of sophistication, technology and functionality. On any road, they deliver powerful performance when you need it. Created with craftsmanship and detail not seen in many other SUVs, the refined lines make one thing immediately apparent when driving the Cadillac Escalade or Escalade ESV, your in luxury. How much does it cost to rent an Escalade? Depends on what city your in but the average cost is $395 per day. We also offer Chauffeur services with our Cadillac Escalade rentals in Miami, New York, Vegas, Los Angeles, San Francisco, San Diego, Boston, and Philadelphia. Rent Cadillac today!


December is a Month of Suddenlies! God Says, "Go Deeper"
As we transition into the new year 2019 during the month of December, we need to be aware of God calling us to go deeper in Him. The Lord spoke to me that "suddenlies" were going to happen to position people to move into a place of promotion in 2019, but these "suddenlies" would look different than what some peoples hearts were seeking or even asking God for. God has a great plan and you will move closer to your convergence time. However in December, the suddenlies that come will take you deeper in God so you can move into greater territory in 2019.
"You will be a key player in the spheres He has called you to."
As January approaches, it is always a time of consecration of fasting and prayer for many in the Body of Christ. In the month of December God is calling you to go deeper in Him, so you will be ready after consecration for greater territories before you. You need to know that suddenlies that have caused quick changes in your calendar or plans are God's divine setup to draw you closer to Him, not a demotion from destiny. Take the time and praise Him as He leads and guides you to a greater territory, but you need to go deeper in order to go higher.
He says in Jeremiah 29:11-13 (NIV): "'For I know the plans I have for you,' declares the Lord, 'plans to prosper you and not to harm you, plans to give you hope and a future. Then you will call on Me and come and pray to Me, and I will listen to you. You will seek Me and find Me when you seek Me with all your heart.'"
The emphasis in this Scripture is on the "I," for He is the "I" in that Scripture and He has plans for you that are not your plans, but because they are His plans, He is fully capable to lead you where He wants to take you.
Ephesians 3:16-21 is a prayer the Apostle Paul prayed for the church at Ephesus. He wanted Christians to know, "That He would grant you, according to the riches of His glory, to be strengthened with might by His Spirit in the inner man; that Christ may dwell in your hearts by faith; that ye, being rooted and grounded in love, may be able to comprehend with all saints what is the breadth, and length, and depth, and height; and to know the love of Christ, which passeth knowledge, that ye might be filled with all the fullness of God. Now unto Him that is able to do exceeding abundantly above all that we ask or think, according to the power that worketh in us, unto Him be glory in the Church by Christ Jesus throughout all ages, world without end. Amen" (KJV).
God wants you to come to the place of knowing His love for you and living in His fullness. This is what will give you the capacity for your new territory. God is preparing you now to learn about this type of love which needs to be so deep and so rooted in your heart that you become a voice piece for God, where you share His heart with others. His heart is to do exceedingly and abundantly more for you as you walk in His will on Earth.
He will take you to the deeper place in Him. If you keep your heart open to Him and Him alone during this time, He will prepare you for the pass through into your purpose in 2019. While many are superficially looking at their surroundings and are dissatisfied even with holiday parties and festivities, you can be finding more in all of this by searching for His heart of love and purpose.
The transition time is here, pass through is upon us. The words "pass through" or "transition" in the Hebrew are abar, which means to transition or to cross over, specifically to cover as in copulation, a type of covering, that is intimate and brings forth blessing, prosperity and multiplication.
In Psalm 42:7 (KJV), the Word says: "Deep calleth unto deep at the noise of Thy waterspouts: all Thy waves and Thy billows are gone over me." The word in this passage, gone over, means this is the pass over or covering of the deep which gives us substance and depth to step into our time of consecration in 2019, ready for more territory. This is also seen in Psalm 57:1 (KJV), "Be merciful unto me, O God, be merciful unto me: for my soul trusteth in Thee: yea, in the shadow of Thy wings will I make my refuge, until these calamities be overpast."
"...you need to go deeper in order to go higher."
Also in Psalm 78:13 (KJV), "He divided the sea, and caused them to pass through; and He made the waters to stand as an heap." And as the psalmist (who many believe is David) shares in Psalm 84:1-6 (KJV): "How amiable are Thy tabernacles, O Lord of hosts! My soul longeth, yea, even fainteth for the courts of the Lord: my heart and my flesh crieth out for the living God. Yea, the sparrow hath found an house, and the swallow a nest for herself, where she may lay her young, even Thine altars, O Lord of hosts, my King, and my God. Blessed are they that dwell in Thy house: they will be still praising Thee. Selah. Blessed is the man whose strength is in Thee; in whose heart are the ways of them. Who passing through the valley of Baca make it a well; the rain also filleth the pools."
In Psalm 84:7 (KJV) it says, "They go from strength to strength, every one of them in Zion appeareth before God." This is a time of strengthening when you go deep with God in the pass through or transition phase.
The Israelites were challenged in Numbers 14:7 (KJV), "And they spake unto all the company of the children of Israel, saying, 'The land, which we passed through to search it, is an exceeding good land.'" The Israelites were called to pass through the land to see the exceedingly good riches of the Promised Land on the other side. Be of good cheer as the pass through leads to promotion and prosperity of knowledge and wealth.
So, He is beckoning you to come to Him and view this December as something different. See it as a walk in the deep as He prepares you to pass through in this time of transition to consecration in January 2019, and then into February 2019 with the start of greater territory being apprehended for the Kingdom of God. You will be a key player in the spheres He has called you to.
Stay focused on Him during your "suddenlies" in the month of December, even your sudden stops, because they are invitations for depth, so you can sustain during the times you will be required to pour out your soul to a new sphere of influence which will come in February 2019.
God is covering you now, rest in His deep, and watch what happens in 2019!
Sometimes God speaks to prophets through unusual things. Recently I was reading a Facebook post when God interrupted it by speaking to me as I read. The post was about a man who was holding a conversation with the person seated next to him on a plane. As he asked the person about his life story, he was amazed at how interesting the man's life had been. He kept asking the man questions because as they talked, the man seemed to just gloss over parts of his story that, to the listener, were fascinating. During the conversation he realized that this person who had an amazing life story, had somehow lost the wonder of how amazing his life was. He had surrendered the sense of wonder in his life story to familiarity.
As I read, I felt the Lord say to me, "It's time for My children to reawaken and rediscover their sense of wonder. It's time to replace familiarity with wonder and to be astonished again by life and by Me."
"Allowing a state of wonder to lead you to curiosity and questioning is a vital part of wonder. It is critical for creativity and problem solving."
As I talked more with the Lord about wonder and the reasons that we need it in our lives, I felt a familiar stirring again of the questions that lead to discovery. Here's some of what the Lord showed me as I processed this word through with Him.
Wonder is obviously important, otherwise the Lord wouldn't have created us as beings who sense wonder. So why is that? What makes wonder important? Wonder operates on three levels in our lives – the sensory, the cognitive and the spiritual.
• Wonder is sensory – in moments of wonder our senses are heightened and engaged, often causing a momentary intake of breath and widened eyes as we take in the wonder we're presented with. It causes a release of feel-good chemicals and hormones into our body and brain.
• Wonder is cognitive – it causes us to wonder, to be curious, to think about things that are beyond our current understanding.
• Wonder is spiritual – wonder is an encounter with something that touches us on a spiritual level. It goes beyond the mere physical senses and emotions, beyond cognitive reasoning. It goes to our spirit and heart being engaged in a way that causes us to experience reverence and awe, both for the creation and the Creator (both man and God). Wonder was given us to point us to the ultimate Creator and His part in our lives and our world.
The ability to sense wonder is hardwired into us as a part of being human and is an essential part of our humanity. Part of the reason for this is that we were created to be "fed" or "ministered to" by wonder and beauty. Wonder works in our lives in wonderful ways – it ignites our sensory, cognitive and spiritual senses, releasing essential energy to us; it sparks gratitude and feel-good chemicals and hormones. Wonder is a critical part of curiosity, creativity and problem-solving. It sparks our curiosity, and is often a doorway which leads us to a pathway of exploration, discovery and sometimes invention.
• The wonder of God being a part of our lives, our journeys, our stories. The amazing, almighty God has chosen to have a personal relationship with us. How awesome is that? Yet sadly, it's easy for us to lose our sense of wonder about this. Or maybe we still have some sense of wonder about the relationship, but it's dimmed. If either of these are true of us, then it doesn't have to stay like that. Our sense of wonder in our relationship with the Lord can be restored. It's important that we keep that sense of wonder because the story of God in our lives is our testimony. If we lose the sense of wonder at His involvement in our lives, it will affect our testimony; it will affect the way others see our relationship with the Lord.
• The wonder of love. It is very easy to slide from wonder into a place of familiarity with those we love – our family and our friends, and even our workmates. Remember the times when you were in wonder at this incredible person in front of you – the feeling of wonder and love that welled up in you when you looked at them or spoke to them? Time and familiarity can dampen that sense of wonder, but it can be restored.
• The wonder at the complexity and beauty of the natural world. How often do we see the colors of a sunset and say, "That's a nice sky tonight." then move straight back to what we were doing?
• The wonder of discovery. When was the last time you were stopped in your tracks by a discovery you made – that moment of discovery when you realized something momentous or important; that breakthrough in thinking that led to a problem being solved or the discovery of learning how to do something?
• The wonder of creativity and learned skills. Maybe we need to reestablish wonder in the area of our own or others' creativity or learned skills. I am often blown-away at others' creative genius, or their ability to do things that I cannot. Take a moment to wonder at the creativity and brilliance of that sculptor, inventor, marketing genius, accountant, chef, mother, teacher and carpenter when you encounter them through their work.
God shared with me that maintaining and nurturing our sense of wonder is our responsibility. In the midst of this exchange, the Lord led me to the following quote by Candace Pert, who pioneered the research into endorphins. She said this about our participation in how we feel: "You're a very active participant in how good you feel; it's a scientific fact. Our physiology is perfectly designed for bliss and this perfection is dynamic, so taking responsibility for your own health is important."
"Wonder operates on three levels in our lives – the sensory, the cognitive and the spiritual."
Even though the responsibility for re-awakening our sense of wonder is ours, the Lord is amazingly good, kind and generous. He has provided ahead of time and has equipped us already with all we need to reawaken and nurture our sense of wonder, and He will work with us in doing so. He will provide opportunities for wonder, and He will be with us in those wonder moments as we experience them with Him. He will encourage us to follow our curiosity, knowing what we will discover, and celebrating those discoveries with us. He will cheer us on every step of the way as we discover again the delight of childlike wonder.
How Do We Reestablish and Cultivate Wonder in Our Lives?
1. Recognize that we have lost it. This is the first step to regaining our wonder. Wonder is something that we need to value and nurture. Maybe your sense of wonder has become jaded, dulled by life's pressures, busyness or familiarity. Our sense of wonder can be regained and re-established with some work on our part, and of course it will take ongoing nurturing of it to keep us from losing it again.
2. Repent for allowing it to become jaded and determine to nurture and develop it again. Come into agreement with Him about how amazing and essential a sense of wonder is in your life and determine that you will treasure and nurture it.
3. Recognize the stirrings of wonder and give them attention. We need to place value on our feelings of wonder and give them our attention. Those feelings of wonder are there for a reason, they are alerting us to something that we need to pay attention to. There are many times in our days when wonder knocks quietly at our hearts and waits to be noticed. Usually we make a barely noticed and often split-second decision to brush the feeling aside because we are concentrating on something else. Wonder isn't pushy; it will give way to other things if we don't recognize it and give it our attention.
4. Choose to stop and be present in in the moment. That means giving our attention to that moment, recognizing the feelings of wonder and allowing ourselves to fully feel them. Most of the things we're doing won't suffer unduly if we take a minute or so to be really present in our wonder. When we do, it will reconnect us to this incredible life that we get to live in ways that will enrich us and feed our soul and spirit.
5. Allow time for wonder. Wonder is cultivated by "allowing time" for wonder. Make time to think about the things that have caused a feeling of wonder to emerge in you. Making time to wonder is important as it can take you on a journey that may start at a certain point of wonder and lead you to other wonders, to gratitude and to discovery, which then leads to your next point.
6. Allow your curiosity to be reawakened. Wonder makes you wonder; it arouses curiosity which leads to questions, some of which may be answerable and some not. Allowing a state of wonder to lead you to curiosity and questioning is a vital part of wonder. It is critical for creativity and problem solving. That reason alone is a good one for nurturing and protecting our sense of wonder.
It's time for wonder to be reawakened and reestablished in our lives. If your wonder has become jaded or seems to be lost, I pray that the Lord will help you to rise up and begin to establish a sense of wonder afresh in your life, and that it would become a wellspring of life and joy to you and to those around you.


Basic will and estate questionnaire questions have been added to "General Assumptions" in a level 1 plan. If included, they will be listed within the "Plan Analysis Synopsis" client and "Quick Action" reports.
The qualified business income deduction (QBI) is now supported within NaviPlan. This deduction allows for business entities to effectively be taxed on only 80 percent of their income as part of the Tax Cuts and Jobs Act of 2017 (TCJA). A checkbox within LLC, Partnerships, and S Corps can be checked to trigger calculation within reports.


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During your lifetime, you may have at least one desktop computer. But are you really sure that you know a lot about these machines? There are many things you may not know about. You can get some great suggestions and tips from this article.
Check the voice capabilities of the desktop computer you want to buy. This is very important if you are working on a project or working on a computer that relies on sound. Many standard sound cards work for most computer users. That said, if you're doing editing or sound mixing, you might need something stronger.
When buying a desktop computer, you need to know what you plan to use. Knowing what your computer will use is important because it determines how much storage space you may need, the type of processing speed you need and the type of monitor you need. When you know what you need to use a computer, you will find it easier to find what you need.
If you are considering a Mac instead of a Windows desktop, but have a Windows program you want to run, think about getting Parallels for Mac. This software lets you use PC programs on Mac. This means you will have the ability to run any software created for the PC. You must purchase a separate operating system.
There are a few things to keep in mind if you want to buy a desktop game. You need about 4GB of memory, a screen with high resolution, and an adequate video card to get started. You better play with a special controller and keyboard.
When buying a desktop, do not just think about your needs today, think about your future needs as well. You'll probably have this desktop for a few years, so if you're thinking of working in photography or video, you'll want to get a computer that will handle your work in the future. This is more of an investment up front, but it will save you from buying another computer too soon after this purchase.
When you search for a new desktop computer, make sure you remember the accessories. You may have found a good monitor and the computer may be equipped with a fast processor, but remember things like your keyboard and mouse. Your mouse and keyboard contribute to your computing experience, so make sure you spend time choosing the best.
When you search for the right desktop computer for your needs, pay attention to the type of Internet connection you want and whether the potential desktop model has a modem or not. If you can not connect to broadband because of your location you will need a modem. Otherwise, you can buy a computer that does not have it.
As mentioned earlier, chances are that you already have a computer at some point is very good. However, you may not know much about computers before this article. Using the tips here, you'll be able to understand desktop computers better.


There will be a Moose in Kent !
Friday, August 18 is the next Kent Wine Walk, and Moose Canyon will be one of the wineries pouring! Tickets are $25 in advance or $30 at the door, and include a free glass and 12 tasting tickets. You take your glass and wander from store to store tasting wine, and some stores have snacks too. I don't know what store I'll be in yet. All wines are available for purchase at the storefront. Registration starts at 5:30 at 222 1st Ave S in downtown Kent, the event ends at 9:00. Go to downtownkentwa.com/event/fall-2017-wine-walk to get your tickets. Hope to see you there!