Fraudsters – an insider story?

first_imgLawyers should be aware of the dangers of insider fraud when advising their clients, as the damage can be catastrophic for a business – no business is immune from the danger, not even law firms themselves. The reality of corporate fraud is that it is an all too common occurrence. Fraud levels remain high – seemingly regardless of market conditions – and the sad truth is that the guilty parties are often found at the very heart of a business, frequently key staff and trusted suppliers. Economic losses are usually the first visible effects, however the reputational damage of a public case can be worse, hurting an organisation’s future earnings significantly more. As management teams start to reflect on the year and commence planning for 2013 the top priority should be to safeguard against sophisticated fraudsters – they may be closer than you think. Although it is dangerous to try to portray a “typical” fraudster – anyone can be one and there is no formula that can be applied to identify them – there is various anecdotal evidence that suggests employees are often involved, be that directly or indirectly. I have seen growing evidence of fraud that uses confidential information, apparently sourced from the victim company. The perpetrator uses this information to establish a degree of credibility as to his or her authenticity, thereby, for example, facilitating the erroneous transfer of funds. There can be little doubt that, in such cases, this information was possibly supplied by an employee of the victim. Moreover, it is often very mundane information, such as bank account details and other customer-related information, which can be used to establish credibility and facilitate fraud. However, it is not simply this superficial legitimacy that determines the success of the fraud. In order for fraud to be perpetrated, there must be either a fundamental lack of basic internal controls in safeguarding payments or a simple failure to observe them. It is critical to ensure that all employees understand the importance of protecting information available to them, regardless of its apparent trivial nature. It is virtually impossible to be 100% secure against an attack from a determined, sophisticated and knowledgeable fraudster. Yet barriers can be put in the way which will deflect fraudulent intent. Having effective internal controls in place, ensuring that these procedures are followed and, critically, that the existence and application of procedures is well known should mean that the fraudster will tend to look for softer targets. It is also important to recognise that fraud does not only impact victims through the actual crime; it can and does have a longer lasting adverse effect on trust. One of the characteristics of information theft is that it is often difficult to be able to prove where or who it came from – even after detailed forensic investigation. Thus, an organisation that becomes a victim of information theft can find itself in a situation where there is an internal breakdown of trust and working relationships. Members of staff can become suspicious of one another and protective of their own areas of responsibility. This can soon escalate into an unpleasant and insular working environment. So how can you prevent you or your organisation from becoming a victim? In relation to information theft there are two areas that should be considered: (i) the HR process which ensures that all new staff are vetted appropriately; and (ii) ensuring internal controls are respected, applied and reviewed regularly. In relation to the HR process, the key to effective vetting is “knowing your employee”. It is self-evident that this starts at the recruitment stage where potential employers should request, follow up and obtain references from previous employers as a matter of course. In addition, employers should also obtain evidence of identity – passport, driving licence, proof of address – and in certain circumstances perform enhanced due diligence checks. This will highlight issues such as previous convictions, potential indications of financial problems and any adverse press reports which may impact employment. Such checks should not be limited to new employees. Employers should consider a rolling programme to undertake background checks on existing employees in the same manner. With regard to internal controls which seek to minimise the improper dissemination of information outside of the organisation, we would recommend that companies ensure that: Most of these points are common sense, and may already be in place. However, it is one thing to have procedures and operational instructions, it is quite another to ensure that they are consistently applied and, when they are not, that adequate and timely warning is made to the appropriate personnel. To the last point, if an issue becomes apparent, it is also important that external advice is sought and a detailed investigation undertaken. There are limited access and authority levels to change standing data, particularly in relation to cash outflows from the business. In my experience, information is often changed without any apparent due diligence, basic checking or authorisation. Employees entrusted with access and authorisation must be made aware of the privilege and responsibility that this entails and there should be regular reminders that custody of this information – and all that the word implies – is a critical element of the on-going business. Authorisation is required from senior personnel to change data and that reports of any changes made are provided to senior management on a regular and timely basis. Checks are undertaken to verify that instructions to make payments to different bank accounts from those recorded are bona fide. There is sufficient segregation of duties to reduce the risk of one individual having access to all information to affect such a fraud. Requirements to counter-sign, seek line-manager approval and, where appropriate, maintain a compliance record of such changes should all be considered best practice. In relation to particularly sensitive commercial information and trade secrets, access to information should be restricted to a small number of known key individuals, acknowledging the point regarding multiple authorities. This could be achieved by way of restricted access to particular work areas (using locks, access codes, and closed-circuit cameras), use of secure areas for storage of electronic information, tracking of the sensitive information. Regularly testing of the relevant procedures and protocols is essential. While we would not advocate too strict exercises, for fear that it undermines the trust within the workplace, it is important for all employees to recognise the importance of their relevant responsibilities. Knowing that they will be tested should ensure that they maintain the appropriate level of awareness and checking.center_img Stephen Peters is director of BDO Forensic Serviceslast_img read more

No Surprise With GSC Players of the Decade from UWF

first_imgBut to be recognized by the opposing coaches who have to scout and game plan against your exceptional abilities is one of the best compliments a player can receive. In the decade of the 2010s, UWF had 76 student-athletes named Player of the Year, Pitcher of the Year, Goalkeeper of the Year or Freshman of the Year. And, yes, you guessed it. That was the most in the GSC by more than 50 selections over the next highest school!UWF had a GSC All-Decade record six Player of the Decade recipients this time around. That represents 31.6 percent of the 19 total Players of the Decade awarded across the 14 sports in the league. That falls right in line with the heavy UWF presence across all of the selections, which came out to be 22.9 percent of the 393 honorees wearing Argonaut colors. PENSACOLA, Fla. – Of the 14 sports UWF sponsors in the Gulf South Conference, the teams combined to win 46 titles in the last 10 years. Of course, teams are made up of great players and it’s no secret that UWF has had hundreds of outstanding student-athletes wear the Blue and Green in the last decade. Sarah Story, the women’s soccer Goalkeeper of the Decade and First Team All-Decade honoree, was without question the most impressive keeper in the GSC over the last 10 years. The Hoover, Alabama, native and Darton State transfer was an All-American both years she played in Pensacola, in 2012 and 2013. She earned Daktronics South Region Player of the Year and GSC Player of the Year honors in 2012, while bringing home Most Outstanding Defensive Player honors at the 2012 NCAA Championship. Her 42 career wins are the most for any GSC keeper this decade, despite her only playing two seasons, and she led the GSC in goals against average both years she played. Today we examine three of the six UWF Player of the Decade winners: On Thursday, we will take a look at the accomplishments of Chandler Blanchet, Bruno Savi and Paloma Vaccaro. From 2011-15, women’s volleyball standout Autumn Duyn established herself as one of the top players in league history, earning two AVCA All-America honors and a combined six AVCA and D2CCA All-Region nods. She was a 4-time First Team All-GSC, making her one of just seven in league history and the only one of the 2010s. She was named the 2012 GSC Player of the Year and 2011 & 2012 GSC Tournament Most Outstanding Player. The Venice, Fla. native is one of just three players in UWF history with 1,000 kills and 1,000 digs. Duyn was a 2015 CoSIDA Academic All-American and a 3-time GSC Fall All-Academic choice. She capped her amazing career with the 2016 GSC Commissioner’s Award. Beginning our list, from women’s tennis, is first-teamer and GSC Player of the Decade, Berta Bonardi. She was the first Argo in program history to win an ITA National Championship in singles, as she claimed the Division II National Title in the fall of 2018 and 2019. The native of Argentina is a two-time ITA All-American, was twice named to the GSC All-Academic Team in 2019 and 2020, and was the 2019 GSC Player of the Year. A 2020 CoSIDA Third Team Academic All-America selection, Bonardi also held the distinction of being the top ranked player in the country by the ITA and was undefeated in singles play during the entire 2020 spring season before it was cut short by the COVID-19 outbreak. In two seasons of play, the rising senior is 32-3 in singles matches. ** This is part three in a multi-part series breaking down the various UWF components in the Gulf South Conference All-Decade Teams and the impressive showing by the Argonaut student-athletes and coaches of the 14 league sports that were compiled. With six Players of the Decade representing the Argonauts, the group will be broken down into three players Wednesday and three on Thursday.  Print Friendly Versionlast_img read more

Selects repeat as champs at Sam Steele Days tourney

first_imgThe best result for the Nelson Selects would be to repeat at champions of the Sam Steele Day’s U14 Boy’s Soccer Tournament while going unscathed in the injury department.The soccer Gods must have been smiling on the Heritage City lot as the Select swept through the competition en route to the gold medal.“Last year, after losing in playdowns, we played in (Sam Steele) tournament and wanted to prove something to ourselves,” said coach Dan Szabo. “We won it. This year we wanted to avoid that same fate as we now had the targets on our backs. More importantly we wanted to get through this injury free.”Nelson opened the tourney by blasting the Creston Blitz 6-0.Micah May opened the scoring midway through the first half taking a James Miller and hitting it home. Minutes later, Nicholas Wethal added to that converting a corner kick and Galen Boulanger would finish the first half scoring. In the second, Boulanger added another with 30-yard blast before May completed the scoring with his second and third goals of the game.Saturday afternoon saw the Selects struggled against an improved Kootenay South side, stealing a 2-1 victory.Nolan Percival and May scored for Nelson.“We have had a relatively easy time with Kootenay South in the past but all the credit too them, they worked hard,” Szabo explained. “We had some bad breaks as well. One of those games.”Nelson clinched the gold medal Sunday morning by posting a 3-0 shutout over East Kootenay Rovers of Cranbrook.Galen Boulanger scored twice while May added a single for the Selects.Nelson concluded the tournament with a 2-1 win over a physical Columbia Valley squad. Boulanger scored twice for Nelson while Percival registered the shutout between the pipes.Percival played most of the games in goal for Nelson with Spencer Szabo sharing the duties for one half of game two.The Selects return to the training pitch in preparation for the B.C. Soccer Provincial B Cup July 7-10 in [email protected]last_img read more

Croke Park To Killimor This Saturday

first_imgThe aim of the cycle is simple. Killimor wants to raise funds for a charity which has been doing tremendous and unbelievable work the length and breadth of the country combating and preventing the taboo that is suicide. The club will do everything within their power to get the word out on behalf of Pieta House to let people know that there is always someone to talk to!The club will also be raising funds in the process for their own community orientated GAA club, which for many evenings throughout the year is a hive of activity and a place where lifelong friendships are built! Shane McLearn joined John and Gerry on Over The LineAudio Player Up/Down Arrow keys to increase or decrease volume.For more information, or to register for the cycle please contactGer 087 9734937 orPadraig 087 9479058print WhatsApp Facebook Twitter Email Next Saturday, a cycle is being undertaken from GAA Headquarters to one of the Country’s oldest Clubs to raise funds for both Pieta house and Killimor GAA.last_img read more

Men’s Tennis: March 10 Scoreboard

first_img– Return to Top – No. 69 Texas A&M-Corpus Christi 4, Texas-Arlington 3ARLINGTON, Texas – The Texas A&M-Corpus Christi men’s tennis team battled UT Arlington today in non-conference action at the UTA Tennis Center. The duo of Guillaume Rauseo and Kevin Bettendroffer clinched the doubles point to lift the No. 69 ranked Islanders men’s team (8-3) to a 4-3 victory. The match started with singles play and the men’s team went neck-and-neck with the Mavericks (6-4). The Mavericks garnered the first match of the day in No. 5 singles after Carlos Arbiza topped junior Javier Pujol, 6-4, 6-2. The Islanders quickly answered back after freshman Arthur Bedel edged out Daniel Echeverry, 6-0, 3-6, 6-1 in a three-set thriller. The Islanders and Mavs then traded matches to knot the score at 2-2. Johnathan Gonzalez defeated sophomore Kevin Bettendroffer in straight sets, 6-2, 6-2, at No. 2 singles before senior Peter Nagy who is ranked at No. 73 in the ITA singles rankings downed Sebastian Erimicioiu, 6-2, 6-4 in the No. 1 slot. With the win Nagy improved his dual-match mark in the No. 1 spot to 8-1. Senior Guilherme Gesser was the Wildcats’ hero of game one as he held off Maruo Tete at No. 2 in three sets 4-6, 7-5, 6-1 for the dual-clinching point. He and sophomore Nico Agritelley also were victorious in doubles as they routed Tete and Riveros, 6-1, to improve to 8-7 on the spring Liberty 6, UIW 1SAN ANTONIO, Texas – The University of the Incarnate Word men’s tennis team played to a 6-1 loss against Liberty University on Tuesday. Also victorious against the Bearcats were Marco Bensley at No. 6 and Agritelley who was making his season debut at No. 1. Bensley clipped Hicham Azzaoui, 7-5, 6-0, while Agritelley rallied from a set down to beat Romain Boissinot, 3-6, 6-0, 6-1. Hoogenboezem improved his singles mark to 7-5 overall and 5-1 on line four, which is where he defeated Max Vogt, 3-6, 6-2, 6-2 in a comeback, three-set match. With the first set won against Kuhar, Lis made a comeback in the second to take the match in straight sets, 6-3, 7-5. Lis improved his singles record to 8-3, all for the first court. – Return to Top – A three set battle won by Leonard Ivic earned the only point of the day for UIW at the Mabry Tennis Center.   For the Cardinals (5-11), Tucker Brown and Joey Vatanadilok were able to get off to a positive start in the doubles competition, winning at the #1 spot against the Flames (7-4). They defeated Dillon Segur and Diego Castano, 6-4.  Unfortunately, the Flames came back to win the final two matches and take the first point of the competition. Bryant’s lone point came in Zachary Morris’ win over Feucht, 6-3, 3-6, 6-2.  Steven McMullan made it 2-0 in singles action with his 6-3, 6-2 win on court six over Joshua Rubinstein. He is 5-2 this season, 2-1 on the fifth line and 3-1 from six.  Hoogenboezem wrapped his match and quickly after Lis sealed the win for Lamar (7-6) with a victory on court one. The Wildcats (5-12) have engaged in eight one-point decisions this season but have come away as the victor only three times. The Cardinals remain at home this week and host UT-San Antonio at the Mabry Tennis Center on Saturday at 1 p.m. The Islanders then pushed ahead, 3-2, after Guillaume Rauseo garnered a three-setter at No. 4 singles. The junior squeezed past Mario Muniesa, 7-6 (1), 4-6, 7-6 (1) for the Islanders’ third point of the match. Next, Daniel Armengol topped junior Ricardo Mayagoitia at No. 3 singles to force doubles play. Mayagoitia took the first set, 6-1, before falling 6-2 in the second set and 6-4 in the third set.  No. 69 Texas A&M-Corpus Christi 4, Texas-Arlington 3Lamar 6, Bryant 1Abilene Christian 4, Northwest Missouri State 3Missouri-Kansas City 4, Abilene Christian 3Liberty 6, UIW 1 Jeandre Hoogenboezem and Nikita Lis were paired in doubles for the first time this season, and downed Matt Kuhar and Zachary Morris 8-3 on court one.Michael Feucht and Benny Schweizer teamed up to defeat Ernest Arguello and Nick Lamart 8-2 on line two, and Juuso Laitinen and Mikko Rajamaki beat Luke Lorenz and Oliver Welsh, 8-5.center_img The Bulldogs fell to 0-8 this season. Lamar 6, Bryant 1BEAUMONT, Texas – The Lamar men’s tennis team opened with a sweep of doubles, struggled in the first set of singles and rebounded to take down Bryant University 6-1 at the Thompson Family Tennis Center Tuesday afternoon. Earlier in the match junior Jason Proctor and Henry Adams secured the doubles point by edging Aymeric Autones and Boissinot, 7-6. They then came back from down 5-2 to give ACU the doubles point against UMKC, but rather surprisingly, they were the Wildcats’ lone repeat winners of the afternoon as Agritelley and Gesser both lost in singles and together in doubles. Bensley also lost in straight sets at No. 6 to the Roos’ Mike Psarros, 6-2, 6-3. – Return to Top – The men picked up the win after receiving their first ITA national ranking of the year at No. 69. It marks the ninth straight year the Islanders men’s program has been ranked in the national published poll. Bensley, however, did win his doubles match vs. UMKC with Paul Domanski, 7-5. The Wildcats later received singles points at No. 3 and 5 from Proctor and Domanski as they defeated their opposition in straight sets by scores of 6-3, 6-3 and 6-4, 6-4. – Return to Top – In doubles play, the Islanders grinded their way to victory. The junior tandem of Mayagoitia and Pujol took care of business with an 8-1 victory at No. 3 doubles over Erimicioiu and Stefan Williams. A&M-Corpus Christi then clinched the match after Bettendroffer and Rauseo secured their third consecutive dual-match together at No. 2 doubles with an 8-4 thrilling victory over Muniesa and Armengol to clinch the match. The Islanders will now return to the Thomas J. Henry Tennis Center on Saturday, March 14. The men will host No. 60 South Alabama at 10 a.m. Laitinen bounced from a loss in the first set and gave the Cards a 5-0 lead with a 4-6, 6-4, 6-3 win over Luke Lorenz from position five. Laitinen improved to 7-3 in singles and upped his mark to 4-3 on line five. Schweizer improved to 5-4 this season with a 7-5, 3-6, 6-3 win against Oliver Welsh. The Wildcats conclude their short stay in Kansas City Wednesday with an afternoon dual against Nebraska-Omaha. From there, the Cardinals lost five out of six of the singles match in straight sets. Leonard Ivic earned the lone point for UIW after he defeated Dillon Segur 7-5, 2-6, (10-6) at the #1 seed. Abilene Christian 4, Northwest Missouri State 3Missouri-Kansas City 4, Abilene Christian 3KANSAS CITY, Mo. – Abilene Christian men’s tennis extended its streak of one-point duals to five Tuesday on the road at Kansas City’s Plaza Tennis Center as the Wildcats followed a 4-3 win over Northwest Missouri State with a 4-3 loss to host UMKC. Lamar opens a five-match road swing on Sunday with two contests, Wofford(11:00) and South Carolina-Upstate (3:00).last_img read more

The Disney Dining Plan: Is It Worth It? (2019 Edition) Part 1

first_imgShare This!Ah, the Disney Dining Plan — right up there with emotional support animals, taking your kids out of school to visit Disney, and double strollers in terms of its divisive potential in Disney circles. There are few topics that inspire such fierce debate among the Disney faithful as the relative worth of the Disney Dining Plan. The truth, however, is that there is no one-size-fits-all answer, and even from a purely economic standpoint, whether or not the Disney Dining Plan is “worth it” is dependent upon a variety of factors, including:The restaurants where you would be eating;How you eat at those restaurants;Whether you do character meals or other special dining experiences;Whether you would have an alcoholic beverage, an appetizer, and/or dessert with your meal.I’m going to try here to break down, as objectively as possible, the circumstances where the Disney Dining Plan can save you money, and some Do’s and Don’ts for maximizing value for those of you that decide to use it. After years of being of questionable value except in very specific circumstances, recent additions to the Disney Dining Plan have added value and are starting to swing the pendulum back in the other direction and can save money for more people than in years past. With that said, it remains an individualized question, and whether or not it can save you money isn’t the only consideration.First things first, let’s go over what the Disney Dining Plan is and what it covers. Generally speaking, the Disney Dining Plan is available to guests staying at Disney resorts and allows you to pay in advance, and then certain food during your trip is covered by credits that are linked to your Disney account. Is is NOT an all-you-can-eat, all-inclusive dining option — you’ll have a set number of credits which cover specific things, and you’ll be paying out of pocket for other food and drink that you would like.  Here are the three variants of the Disney Dining Plan, and what they include: Table Service, with app (Kids)$18.02N/A Deluxe$116.25/$43.49*3*up to 3**21 Deluxe$164.98+48.73$153.13+$36.88 Table Service$36.84$40.08 Regular$64.50-$10.99$59.64-$15.85 Regular$75.49/$27.9811021 It is important to note that many of the nicer restaurants (i.e., the Signature Restaurants) and Dinner Shows require two Table Service dining credits. Room service at your resort is likewise 2 credits, even if you’re staying at a Value property.The resort mug is a big wild card here, because you can’t opt out of it, and it could make up a lot or very little of the value you get out of the plan. Accordingly, I’m going to leave it out of the initial calculation. Doing the math, if you were to have average snacks, average Quick Service meals, and average Table Service meals, the value of the food you’re getting per day with each plan is as follows, not including the resort mug: Quick Service$14.36$15.98 Quick  Service (Kids)$6.98N/A Quick Service (Kids)N/A$22.40-$1.38 If you’re the sort of person that drinks a lot of soft drinks and will use it, the resort mug can save you a lot of money compared to paying out of pocket for drinks at Disney prices. Consider how much you’ll use it, and add about $4 per drink per day to the value of the plan. With that said, they can’t be refilled in the parks and can only be refilled in limited locations (like your resort Quick Service location), so if you’re not going to be in those locations, you may find that using it is more trouble than it’s worth. As with most everything at Disney, your mileage may vary.So, at a glance, it would appear that neither the Quick Service nor the Regular Disney Dining Plan are a good value, resulting in a daily net loss of around $15 per person, while the Deluxe Dining Plan is a complete boon, saving you more than $35 per person, per day. That, however, would be an oversimplification of what is unfortunately a fairly complicated calculation. Depending upon where you eat and how you eat, it is very possible for the dining plans to make sense for you. For example, if you were to eat twice a day at Wolfgang Puck’s Express and order the most expensive things on the menu, you could realize as much as $82/day in value on the Quick Service plan. While I’m not recommending that as an approach, there are plenty of situations where the Quick Service and Regular plans can make good financial sense.Similarly, while there is a lot of value to be realized in the Deluxe Dining Plan by comparing what you get with how much you pay, very few guests will actually use it to its fullest. To get the full value out of the Deluxe Dining Plan, you’re going to be having 3 Table Service Meals a day. It is, to be frank, a spectacular amount of food AND an incredible time suck. Unless you are going on a trip primarily devoted to dining (which, by the way, is an entirely legitimate approach to a Disney trip), you’re likely going to find that maximizing the value of the Deluxe Dining Plan comes at the expense of time spent touring the parks, and probably your own personal comfort as you waddle around in the wake of huge meal after huge meal.A more realistic daily menu for most people would likely include one Quick Service meal and two Table Service meals, both of which include dessert (you’re on vacation, after all) and one of which is a relaxed affair with an appetizer. Including 3 drinks over the course of those meals and two snacks, the value comes in at $116.68 — very close to the $116.25 cost of the plan.Thus leads to probably the most important point I’ll make here: don’t compare the cost of the Dining Plan to the cost of what you COULD get, compare the cost of the plan to what you WOULD get. If you’re the sort of person that would usually just grab a sandwich and go, you’re not really doing yourself any favors by force-feeding yourself a steak at every meal just to make sure you’re not leaving money on the table.To really determine whether the Dining Plan will save you money, the most precise approach would be to review the menus at the restaurants where you plan to eat, add up the costs of the things you would order, and then compare that to the cost of the Dining Plan. That’s a lot of work, however, so we also have a handy calculator where you can input information about how you usually eat and it will run some numbers and offer some guidance as to which is the better course for you. With that said, the calculator is going to be based upon average values; you should give some consideration to the factors that drive value on the Disney Dining Plan to determine whether those numbers need to be adjusted up or down, as we’ll discuss in the next installment.Stay tuned for Part 2, where we’ll look at some specific examples and weigh in on some factors that you will want to consider in your analysis of whether the dining plan makes sense for you. *The Deluxe meal credits can be used for Table Service or Quick Service meals.**When using a Deluxe credit for a Table Service meal, you may also get one appetizer with that meal.Each meal includes a beverage, which can include alcoholic beverages or specialty non-alcoholic beverages like the Shanghai Lemonade at Yak & Yeti. You can find more details on what the Disney Dining Plan is and how to use it here.AnalysisIn the strictly empirical sense, whether or not the Disney Dining Plan is “worth it” is just a function of whether you would be spending more or less than the cost of the plan for the covered food you would be eating during your trip. To that end, an overview of costs are helpful:center_img PlanValue (with alcohol)Loss/SavingsValue (without alcohol)Loss/Savings Quick Service$52.50/$23.7820021 Table Service, with app$48.23$52.18 Resort Refillable Mug Beverage$4.15N/A Table Service (Kids)$16.26N/A Snack$4.22N/A Cost (adult/kid)Quick ServiceTable ServiceAppetizersSnacksRefillable Resort Mug Regular (Kids)N/A$31.68+$3.70 Deluxe (Kids)N/A$62.50+19.01 Average (without alcohol)Average (with alcohol) Quick Service$40.40-$12.10$37.16-$15.34last_img read more

Learn From What You See: It All Starts With Inspiration

first_imgThe world around us is full of little things and experiences that shape us, our way of thinking, but also how we tackle our work. Influenced by these encounters, every designer develops their unique style and workflow, and studying their artwork — the compositions, geometry of lines and shapes, light and shadows, the colors and patterns — can all inspire us to look beyond our own horizon and try something new.It doesn’t really take much to let your mind wander. Always remember to take a closer look at things around you; you’ll be sure to find inspiration in the little things. But for now, let’s dig into another collection of brilliant illustrations and photographs.The post Learn From What You See: It All Starts With Inspiration appeared first on Smashing Magazine.From our sponsors: Learn From What You See: It All Starts With Inspiration Learn From What You See: It All Starts With InspirationYou are here: Related postsInclusive Components: Book Reviews And Accessibility Resources13th December 2019Should Your Portfolio Site Be A PWA?12th December 2019Building A CSS Layout: Live Stream With Rachel Andrew10th December 2019Struggling To Get A Handle On Traffic Surges10th December 2019How To Design Profitable Sales Funnels On Mobile6th December 2019How To Build A Real-Time Multiplayer Virtual Reality Game (Part 2)5th December 2019 HomeWeb DesignLearn From What You See: It All Starts With Inspiration Posted on 4th August 2017Web Design FacebookshareTwittertweetGoogle+sharelast_img read more

Can IoT help stop the utility death spiral?

first_imgElectronic Design is Utilizing AI-Enabled Solu… Tags:#Industrial IoT#IoT#Navigant#renewable energy#RWE#utilities 5 Industries Destined for Technological Disruption The Ultimate Checklist on Ways to Prevent IoT D… Donal Powercenter_img Electrical utilities who dive deep into the Internet of Things (IoT) can potentially leverage the emerging technology to build new, stronger relationships with their customer base. Notably, IoT will allow utilities to develop trusted advisory relationships with customers previously beyond the scope of traditional power delivery.A new report from Navigant Research on the U.S. IoT market examined customer adoption trends, changing technology, the vendor landscape and utility rollouts out to 2025.It concluded that IoT has the potential to open new avenues for utilities, particularly as the industry looks beyond its traditional strategies driven by demand-side management (DSM). Through IoT, utilities can develop “deeper and ongoing relationships with residential and commercial customers through devices, software, and services.”“IoT can help utilities transition into new ongoing advisory and managed services relationships to gain better insight into customer loads and improve customer satisfaction,” said Navigant’s principal research analyst Casey Talon. “This new approach to customer engagement will direct behavior modification, load control, and conservation in concert to maximize reliability and resiliency of the grid.”Utilities caught between a rock and a hard placeUtilities are currently caught between the twin pressures of new forms of energy being pushed by policy and client demand – like renewables that drive down energy prices while utility fixed costs remain higher – and lowering energy demand caused by increased energy efficiency efforts and the technologies enabling them.German utility RWE’s CEO Peter Terium called this “the worst structural crisis in the history of energy supply.” Industry analysts call it the utility “death spiral” with grid maintenance costs going up and the cost of generating renewable energy going down, more customers will leave the grid to employ efficient technology and generate their own on-site energy.But IoT deployments could slow this utility defection. By 2020, Navigant predicts 70,000 customers across the U.S. will be in pilot-scale utility IoT engagements, a market estimated at $500 million. The report predicts the drivers of IoT adoption among utility customers will be improved DSM program synergies, cost containment and the desire for consumer choice. How IoT Will Transform Cold Chain Logistics For… Related Posts last_img read more

Kashmir: Children from same village bag 6 gold, 1 silver medal in Bhutan’s martial art games

first_imgA few kilometers away from the central square of Srinagar, is the tiny hamlet of Narkara. Not many people would have heard about it till a few days ago, but today it is known as the village of champions. Seven youngsters from Narkara have won big in the international championship of martial, that was held in Bhutan, with six gold medals and one silver medal being the final tally of the village.The winners include a Class 6 girl and a Class 4 boy. This is perhaps the first time in the country that so many medals have come to a single village.”We are very happy. We practiced very hard and now it seems our hard work has paid off. I want to continue in this sport,” said Mehroosh Manzoor Paul, a class 6 student.JOY AND JINGLEThe proud parents of this girl were equally beaming with joy. “We are elated. We will support them so that they can continue their practice and bring laurels for the country,” said Manzoor Ahmad, Paul’s father. But it was not just the parents who were excited. The entire village gave the youngsters a rousing welcome, with women singing traditional folk songs and showering the decorated paths with candies to welcome them.Villagers said the fact that when the entire valley was going through an intense phase of unrest, these youngsters were busy practising hard for the championship is heartening. “They have brought great news for us all. We are proud of them. They all were practising hard while the valley was under intense unrest. This will inspire all other youngsters of the village,” said a neighbour of Mehroosh Manzoor.advertisementAlso read: Jammu-Kashmir may ring in a white new year with snowfall in offing LAURELS AT SOUTH ASIAN CHAMPIONSHIPThe feat was achieved by the children in the 2016 South Asian Championship of Tongil Moo-do held in Bhutan from December 16- 18. Tongil-Moo-do is a mixed form of martial art. The coach of these children said they had practised day and night for many months to prepare for the championship.”Ever since we enrolled for the championship we have worked closely and practiced well. All these children have been very dedicated. They found tough competition in Bhutan but prevailed. I am very happy. We will work even harder”, said Bilal Ahmad, the coach.Like with most rural areas of the country these players didn’t have proper courts to practise, didn’t get government support and didn’t have any kits. “We trained on local mats because we didn’t have proper courts or practising areas. Let us hope that the government will support this game and those who want to play it”, added Bilal Ahmad, Coach.Last month, an eight-year-old Tajamul Islam from the region had also scripted history by winning gold in the sub-junior category at World Kickboxing Championshiplast_img read more