Qualitative research, done well, can provide deep insights into many issues, but those who resist doing it argue that it is slow, difficult, and subjective. Traditionally, qualitative research projects take 6 to 8 weeks from the bidding process, screener development, recruitment, fielding to analysis and reporting. Live Webcam Interviews: These use the webcam camera many have attached to or embedded in PCs or laptops.
Virtual Intercepts: These use digital tracking to find participants while they surf online, or via emails and online surveys and direct them to real-time interviews. A common obstacle to using qualitative research is the need of numbers to support decision making. By linking qualitative and quantitative via the participants, we get immediate depth into questions that only provide breadth. In essence, Bryson urged qualitative researchers to stop applying one-size-fit-all methods for recruiting, analyzing, and reporting to all qualitative research projects, and get on with the technology revolution that can make the process faster, easier, and more objective. More and more I see marketers trying to water down research methods, many times driven by budget constraints, but quite often by lack of understanding of what each research methods provides and how departing from certain methodological rules can bias the results and renders the research useless.
However, the cartoon’s accompanying article brings also attention to another aspect of focus groups, namely, the focus group setting.
In traditional focus groups, participants are typically brought to a conference room with the goal of having a focused discussion on a particular issue, free of distractions. In a recent project, Fishburne’s team decided to skip the “drab conference room with a one-way mirror” and “treat the groups as a VIP event, held in the company’s hip offices at night over drinks.”  This is a good approach for a customer relationship campaign, but hardly for research.
Running focus groups at a company’s headquarters is convenient and cheap for the client, but puts a lot of pressure on participants who are likely to give socially desirable answers. The intention of this format was to create a more casual atmosphere implying that a more formal environment would be detrimental. Customer events to introduce products and gather “casual” feedback belong to the public relations realm and have a very limited value, if any, as a research tool (unless you are testing how people behave at the event). Ethnographic research is not a “scrappy market research.” This is an invaluable naturalistic inquiry approach in which the research tries to remain true to the context, which is relevant for certain research objectives. I agree with Fishburne when he says that focus groups are only one tool in the market research toolkit and there are other ways to gather consumer insights, but let me affirm that relaxing valuable rules in market research methods and making them a degraded version of the original are NOT “other ways to gather consumer insights.” Use them and expect crappy results. A recent report about market research in the pharma industry revealed that the combination of both qualitative and quantitative research is ideal in order to facilitate better decision making regarding product launches.
Depending on the industry and target market, qualitative research may be cheaper than quantitative research or vice versa.
Qualitative and quantitative research approaches have different roles in new product development research. Qualitative research is most useful in the initial phases of product development to explore potential customers’ unmet needs, understand motivations behind purchase or usage behavior, and formulate hypothesis about product features and benefits. Quantitative research, on the other hand, can be used to test hypotheses and confirm findings from qualitative research with samples that are representative and large enough to provide a more solid ground for investment decisions regarding a product launch. If you budget is limited, you should really think hard about the type of decision you expect to make when the data comes back. If you decide based only on budget, learn at least what the limitations of the chosen approach are, and adjust your expectations accordingly. The use of qualitative research to inform new product development was the core idea in a presentation by Jeffrey Henning of Affinova at the 2012 NewMR Qualitative Event.
Henning suggests going a step further by doing product optimization, using conjoint analysis or evolutionary algorithms, where all ideas are considered in multiple combinations and a particular combination becomes the winning product. Henning cited research on research showing that on average, product optimization doubles new product success rates and generates more than two times revenue. This indicates that product optimization is more effective and has more predictive power than the traditional qualitative-only and quantitative concept testing often used to identify winning product ideas. However, most of the time product testing never goes beyond the traditional methods or jumps into product optimization without the previous steps.
It makes perfect sense to use qualitative research to inform which product attributes and levels should be tested using techniques like conjoint analysis.
Doing qualitative research upfront should be seen as an investment to support valid results and increased predictive power of models developed during the product optimization analysis. Focus Groups are more than mere discussions and need a lot of planning if you want to extract any insights out of them. The research objectives are not clearly defined: Sometimes, due to tight deadlines, clients want to rush Focus Groups without putting time into thinking through what they want to accomplish with the research. Groups that are not homogeneous enough in certain variables relevant to the issue which may disrupt the dynamic and course of the discussion (e.g. Not enough time is dedicated to the development of the discussion guide: This should be developed between the client and the moderator and put in writing. Inexperienced moderator: With the increase of DIY research teams at client organizations and smaller budgets, experience sometimes tends to have less weight on the decision about who moderates Focus Groups. Results are quantified: More than once I have met clients that want to do several groups and count how many participants express a particular opinion, hoping they can project the results. The best way to avoid these problems is to plan visits from the moderator to the backroom during the discussion flow, so he or she can discussed with client the intentions of any probing requests. Understand the story and why behind the numbers from quantitative studies or key performance metrics (e.g. Focus groups have their place in our research toolbox and like any other research method they have advantages and disadvantages, which means they are not a good fit for every research need.
New Product Development Studies:  To obtain initial reactions to a new concept or prototype in order to identify strengths and weaknesses and provide guidance on improvements and input for further quantitative and qualitative research.
Positioning Studies: To explore effective ways to communicate and talk to target consumers about a product, brand or service.
Habits and Usage Studies: To collect preliminary data to help understand how consumers utilize products and services before developing a quantitative data collection instrument.
Promotion Evaluations: To obtain consumer reactions to promotion concepts so that ideas can be later refined and made more appealing and easier to understand. Idea Generation: To identify specific areas where new products – or modifications of existing ones – might offer benefits. Employee Attitude and Motivation Studies: To assess corporate employee’s attitudes towards their organization and identify any problems that should be addressed.
In all the types of research mentioned above, focus groups should be used for exploration and guidance for further research, often quantitative.
Although sometimes this may be true for certain purchase decisions in product categories a consumer values and is engaged with for a variety of reasons, many times consumers make decisions with incomplete information or simply skip the evaluation of options and make impulse purchases or go with what is available.
Henning summarizes the situations where, as behavioral economists have pointed out, actual behavior doesn’t match the rational approach to decision making.
Rules of thumb: Here consumers rely on heuristics or rules of thumb as shortcuts to decision making. Emotional arousal: Consumers sometimes make purchase decisions influenced by their emotional state. Framing: The context often influences purchase decisions in ways consumers may not be aware of. We can probably find these situations in many categories and some are likely to be more prevalent than others. For instance, a consumer may consider clothing detergent a commodity and buys whatever brand is on sale at the time of purchase, while another browsers the detergent aisle, opening bottles to check for fragrance, and reading packaging labels searching for harmful ingredients for herself or the environment. To capture the nuances and situations influencing purchase decisions, we can’t rely only on traditional concept tests or focus groups.
Adaptive Choice-Based Conjoint analysis: Consumers are asked to build their own product based on a set of criteria, information that is used to understand the rules they use to choose products (must-haves and unacceptables) and to present relevant alternatives they would actually purchase.
Shop-alongs: We go along with consumers in their shopping trip and observe how they make purchase decisions, what the motivators are, how the context influence their decision, the role of emotions, etc. Mystery shopping: Consumers get immersed in a shopping occasion and report back their personal experience with different aspects of the purchase occasion. Journaling about experiences: Consumers report about their experience with products and services in a journal format using text, video or pictures as the experience progresses. Ethnographic interviews: Consumers are interviewed as they carry on different tasks or use products in real time and environment. Mobile surveys in real time: Consumers are asked about their immediate and current experience, feelings and opinions via text messages. On-site observation: Acting like a fly on the wall, we can watch how consumers buy and use the products and integrate them in their daily life. In-Depth interviews: We delve deeper into purchase drivers, cognitive biases, situational factors, etc. Neuromarketing research: We use neuroscience, psychology and other cognitive science techniques to study consumer responses to marketing stimuli and products. If you want to understand the gap between what consumers do and say, don’t rely only on one research methodology, as each research method provides data that reflect only a few facets of the consumer. Qualitative research is going beyond in-person focus groups and experiencing a revolution for the better. Thanks to the development of new online platforms, the qualitative research field have seen an explosion of new online qualitative research techniques that makes it possible to collect data in ways we couldn’t before. These new online qualitative research techniques have often made qualitative research better, faster and cheaper (not always).
Mobile qualitative research, according to Bryson, will definitely be part of market research’s near future. Another approach getting traction is hybrid research, where quantitative and qualitative research are combined in one data collection opportunity. There is no question that qualitative research has come a long way and that all these new techniques make this field exciting and promising, but before you get carried away by all the excitement, don’t forget to have clear research objectives and evaluate if these techniques are a good fit for what you want to accomplish. Surely the fairest, most democratic way is for parties to be required to spell out to voters in advance of a local election exactly what it's council tax proposals are, and then be legally required to stick to them if they are elected.
Friends of the Shelter volunteers work hard to make the shelter a warm, inviting place to build relationships between adopters and the cats. Despite the widespread protests that erupted last year, the rate at which people are killed by the police in the US has accelerated.
It’s perhaps portentous that a poll to find Britain’s national bird had last week been decided in overwhelming favour of the robin. Chief executive David Harker said: “First Class Futures really will bring huge benefits to the North East if it is able to realise its vision of raising £100,000.
Yorkshire travel to Durham looking for their third successive North Division win after beating Derbyshire at Headingley and, last Friday, Nottinghamshire at Trent Bridge. Kaag says the UN is also looking into recent reports of chlorine gas attacks in the country.
Although the research has been pretty clear that there are health benefits to not sitting, we are just starting to understand that standing alone may be a good alternative, said Dr. The researchers then lumped the data in with nine other studies that measured chocolate consumption and heart disease.
It was his second injury of the season and he didn't appear again, but while he has been troubled only by the odd niggle this year he has been unable to regain his form. We can do this for him and dance for him, make him well, make him strong, put him on the front, and all his team, dancer Timmy Galalingu said.
The cooking zone features a cooktop with oils, seasonings, pots and pans and perhaps a sink nearby. Zielke noted that Punta Cana, Dominican Republic is becoming a big destination for weddings, as are cruises. He also won the FIFA Club World Cup and European Super Cup two times each and the Spanish Super Cup six times.
However, Rob Youhill suffered a dislocated elbow on Saturday which will sideline him for two to three weeks. Disciplined, well organised and extremely hard to break down, Newcastle have rarely looked like conceding throughout their six-game winning run, and aside from tipping over a Richard Dunne header, Tim Krul was barely tested against QPR. In return, Wijnaldum has been quick to praise McClaren’s input throughout pre-season, with the Yorkshireman’s experience of the continental game enabling him to establish a strong rapport with his club’s overseas contingent. The actual story is one of trying to find somewhere safe to live for some poor INNOCENT young children, not whether some "concerned " residents feel slighted.
An agent in the 1970s had also suggested a name change – “he said Tony Peters was too clubby” – and came up with Septimus Shildon. ECHO Elder Cottage Housing Opportunities (ECHO) units are temporary, movable, self-contained houses designed to enable older persons to live near family members or caregivers.
Under normal driving conditions, 100 per cent of the engine’s torque is delivered to the front wheels so that the car runs with optimised fuel efficiency.
Professor Walton said she had heard of many cases of discrimination against junior females, but the culture was to never complain to supervisors.
Mike Abbott, general group manager at The Co-operative Childcare, says: “With men under-represented in the childcare industry, we think they should be championed. The group has found, and cherishes, the 100-year-old Bishop Auckland National Union of Ralwaymen’s banner, plans a railway memorial garden near the station – “real railway seats everything,” he says – has designed LNER-style posters showing the old station in all its improbable glory. Durham City MP Roberta Blackman-Woods demanded that the city council explains how it did not have spare detectors.
I’ve been lucky on the job front, mostly down to working with fantastic people and having a positive approach to life.
Marquette went three-and-out on three pass plays and, on its own 26, elected to punt and rest its hopes of defending its state title on defense. The Brewers followed a Game 5 stinker in the National League Championship Series with a Game 6 clunker. China should work out a comprehensive income distribution reform package as soon as possible to promote sustainable, fairer and more balanced development of its economy and society. A home win against the same opponents and a victory away to bottom club Sunderland are Darlington's only wins in their last 14 games, having started with four wins from the first seven. He and Chris Rushworth quickly removed the home openers and it became 49 for three when replaced Arshad and struck with his fifth ball. The game was notable for the second-half appearance of Downing, with the England international kicking off his second spell at his hometown club in an attacking central-midfield role.
With the rest of the Boro squad currently on a training break in Marbella, it remains to be seen whether Downing heads straight out to Spain or remains at Rockliffe Park ahead of his new team-mates’ return next week. On Sunday, the forecast calls for a high temperature in the low 20s in Milwaukee, with blustery northeast wind gusts as high as 30 miles per hour.
Monroe mentioned Parker's return from injury next season as one of the factors that led him to choose the Bucks over offers from the New York Knicks, Los Angeles Lakers and Portland Trail Blazers.
Nepal's major political parties on Tuesday agreed to reconsider the delineation of states in the wake of countrywide protests against the move in which three people have been killed.
Other completed work on the Port Clarence scheme includes flood embankments to the east and west of the Wilton Engineering site.
Despite their success, Stuart says they have no intention of expanding their operation and is proud of their role in the burgeoning small-scale food and drink sector in the county. The problem for Brentford, however, is whether their soon-to-be departing manager, Mark Warburton, can motivate his team through the final throes of the campaign knowing that he will not be there to reap the rewards next season. Council leader Councillor Bob Cook said: “Local residents and businesses had to endure the eyesore that was Billingham House for several years.
While the West Nile virus is not new to Maryland, health officials warn people to take precautions when heading outside to parks or to the beach, especially areas where there might be standing water. However, even though the opportunity to return to Teesside after a two-year spell in London was a powerful attraction, Downing insists he would not have rejoined Boro if he did not believe they had a realistic chance of promotion. Dad, Ian, is director at the family-owned Barkers Furnishing Store in Yafforth Road, Northallerton, where earlier this year Hannah, along with brothers William and Thomas, cut the turf to get a £3m expansion of the business underway. The same night (Saturday), Darlington’s Neil Hepper also took a chance on the road when he travelled to Doncaster and faced the experienced Kevin Hooper over six rounds.
The government has declared their strike illegal although GMA members continued services to their inpatients. The opportunity to meet with many leaders in Israel face to face has impressed on me even more the significance of the vote I will cast in the US Congress. The lifetime Falls resident had worked other jobs, but working for the schools he once attended is special, and not just because it s home.
Linzi Nicolls leads the way with a sponsored Mile of Hope.  Many people turned out to do the mile either by walking, running, skipping, and someone even hula hooped it around to raise funds for Lifeline Community Action. The recently launched group is run by YMCA working with Council’s Sport and Physical Activity Team and Hartlepool College of Further Education.
Highly commendable but you have to admit Britain has some of the most bone idle, pig ignorant litter louts in (wider) Europe. This is especially heartening, because it fits the theory that those people in our society who work really hard are the ones who get rewarded with a bit extra.
Congressman Keith Rothfus (R-Pennsylvania), who is on his first visit to Israel, said he would share with his colleagues and constituency what he learned on the trip about the need for America to stand with Israel in her defense, the 'Post reported.
With the last two months of a lost season amounting to something of a tryout for many players on the Milwaukee Brewers' roster, Khris Davis has put a solid foot forward in recent days. It is LVMH’s second-largest fashion and leather-goods brand and, according to analysts at HSBC, this sector of LVMH is doing very well indeed.
A southern spokesman said Greville's death had been referred to the coroner, but police were continuing to investigate on behalf of the coroner and WorkSafe. MISSOULA — A line of thunderstorms grinding up the Bitterroot Valley converged over Missoula on Monday evening, spawning gusts up to 74 mph that toppled century-old trees and flipped pole barns off their foundations.
Bahraini authorities have suspended the country's main opposition newspaper, accusing it of threatening national unity and relations with other states, the official news agency BNA reported late on Thursday. If your staff can attend the tables with the professionalism and service that they provide in most US restaurants it will do two things! Our latest research report has been released - The 2016 BSA Global Cloud Computing Scorecard (a joint research effort with Galexia) ranks the cloud computing readiness of 24 countries that account for 80 percent of the world s IT markets.
Our latest research report has been released - The 2016 BSA Global Cloud Computing Scorecard (a joint research effort with Galexia) ranks the cloud computing readiness of 24 countries that account for 80 percent of the world’s IT markets.
The 2016 BSA Global Cloud Computing Scorecard ranks the cloud computing readiness of 24 countries that account for 80 percent of the world’s IT markets. In terms of overall ranking, the biggest improvers were South Africa (moving up six places) and Canada (moving up five places). The BSA Global Cloud Scorecard analyzes the legal and regulatory framework and broadband infrastructure of 24 countries that together make up 80 percent of the global ICT market.
The study includes a detailed country-by-country analysis of legislation, regulations, case law, government policy and standards. The study includes detailed country-by-country analysis of legislation, regulations, case law, government policy and standards. Galexia director Chris Connolly will be assisting in the presentation of a two day expert meeting on Data Protection and Privacy: Implications for Trade and Development on 19-20 April in Geneva.
A highlight of the E-Commerce Week is the Ad Hoc Expert Meeting on Data Protection and Privacy: Implications for Trade and Development (19-20 April).
This ad hoc expert meeting will contribute to ensure global communication on the subject to understand emerging topics in data protection and privacy, new challenges and opportunities, as it relates to unlocking the potential for cross-border trade. The Ad Hoc expert meeting will commence with the presentation of the UNCTAD Study on Data Protection and International Data Flows. Galexia has published an article on the proposed EU-US Privacy Shield, which is set to replace the former Safe Harbor as the key mechanism for the transfer of personal data from the European Union to the United States. The draft Privacy Shield adequacy decision by the European Commission is yet to be formalised - the commission must first seek the opinion of the influential Article 29 Working party.
The former Safe Harbor framework was the subject of extensive research and analysis by Galexia, including a major report in 2008 followed by ongoing monitoring and the submission of evidence and reports to the EU and US authorities. The European Union Network and Information Security Directive (the NIS Directive) has moved a step closer to implementation after the EU's Internal Market Committee voted to support the Directive on 16 January 2016. The European Union Network and Information Security Directive (the NIS Directive) has moved a step closer to implementation after the EU's Internal Market Committee voted to support the Directive on 16 January 2016. Galexia has been at the forefront of studying the potential impact of the NIS Directive, both in Europe and beyond. The subsequent Asia Pacific CyberSecurity Maturity Dashboard (including 10 country reports and case studies considers the maturity of APAC countries through the lens of the NIS directive. Galexia Director Chris Connolly will deliver a special presentation at the Privacy Laws and Business Conference at Cambridge University on July 7. The presentation will mark the fifteenth anniversary of the launch of the EU-US Safe Harbor, and is titled: 'The Safe Harbor at Fifteen' - A brief history of enforcement and reform.
The presentation will be followed by a panel discussion including Commissioner Julie Brill (US Federal Trade Commission) and Bruno Gencarelli (Head of Data Protection at the European Commission Directorate General for Justice). The report assesses each country against criteria deemed essential for effective cybersecurity protection. The full country reports are available for download and give an overview of the cybersecurity landscape, highlighting key cybersecurity legislation and policy, as well as the main entities currently operating within each jurisdiction. It is with great sadness that we report the loss of Galexia Associate and close friend Claro Parlade, who has died in the Philippines after a period of illness. Claro was a well known IT lawyer in the Philippines who played a key role in the development of cyberlaws in the Asia Pacific region. In June 2015 Galexia completed a Privacy Review of the National Diabetes Services Scheme (NDSS) for Diabetes Australia. The Report evaluates national laws, rules and policies in all 28 EU Member States against 25 criteria deemed essential for effective cybersecurity protections. The full Member State reports give an overview of the cybersecurity landscape, based on the set of criteria outlined below, highlighting key cybersecurity legislation and policy, as well as the main entities currently operating within each jurisdiction. This work complements Galexia’s other research reports for BSA, including the soon to be Global Cloud Readiness Scorecard published in 2012, 2013 and in April 2015. Galexia Director Chris Connolly will present a paper on Global Issues in Cybersecurity and Privacy in Geneva on 25 March 2015. The Expert Meeting on Cyberlaws and Regulations for Enhancing E-Commerce has been organised by the United Nations Conference on Trade and Development (UNCTAD).
The session will explore recent developments related to e-commerce in respect of data breaches and fraud. Galexia has a long history of working with UNCTAD (and ASEAN and other regional groupings) on international cyberlaw issues. In August 2014 Galexia began work on an important research project for BSA - The Software Alliance.
The study will include a detailed country-by-country analysis of legislation, regulations, case law, government policy and standards. Galexia conducted a Privacy Impact Assessment (PIA) for the Victorian Department of State Development, Business Innovation (DSDBI) on the proposed migration of the Resource Rights Allocation and Management (RRAM) Project to a commercial cloud provider.
Galexia conducted a Privacy Impact Assessment (PIA) for the Victorian Department of State Development, Business & Innovation (DSDBI) on the proposed migration of the Resource Rights Allocation and Management (RRAM) Project to a commercial cloud provider. Galexia has particular experience in advising Government agencies in their successful migration to cloud and externally hosted services. In July 2014 Galexia began work on an important research project for BSA - The Software Alliance.
The countries included in the study are Australia, China, India, Indonesia, Japan, Korea, Malaysia, Singapore, Thailand and Vietnam. This work complements our earlier research reports for BSA, including the Global Cloud Readiness Scorecard published in 2012 and 2013. The new report will include a detailed country-by-country analysis of legislation, regulations, government policy, standards and infrastructure related to Cybersecurity. Galexia has been appointed to the Department of Communications Technology Advice Panel to provide specialised services to the Department. In June 2014 Galexia began work on an important research project for BSA - The Software Alliance.
Galexia Director Chris Connolly presented a paper on The Future of the EU-US Safe Harbor at a major privacy research conference in Brussels on 1 June 2014. The presentation focused on enforcement issues, and follows previous Galexia research on compliance issues in the EU-US Safe Harbor. Galexia completed a Privacy Impact Assessment (PIA) for the Victorian Department of State Development, Business Innovation (DSDBI) on the migration of Business Victoria Online (BVO) services to a commercial cloud services provider.
Galexia completed a Privacy Impact Assessment (PIA) for the Victorian Department of State Development, Business & Innovation (DSDBI) on the migration of Business Victoria Online (BVO) services to a commercial cloud services provider. Galexia provided a range of cloud and privacy advice and developed a re-usable template and checklist driven approach for future PIAs.
In early 2014 Galexia completed a Privacy Impact Assessment (PIA) for proposed changes to the customer due diligence requirements of Australia s Anti-Money Laundering and Counter-Terrorism Financing Framework (the CDD project). In early 2014 Galexia completed a Privacy Impact Assessment (PIA) for proposed changes to the customer due diligence requirements of Australia’s Anti-Money Laundering and Counter-Terrorism Financing Framework (the CDD project). The PIA was one of the first PIAs conducted in accordance with the new Australian Privacy Principles (APPs) that came into force in March 2014. Galexia was able to advise AUSTRAC on how to incorporate important changes to customer due diligence requirements that form part of international commitments to tackle money laundering, while complying with Australia's revised privacy legislation.
Galexia Director Chris Connolly appeared at the House of Lords EU Sub-Committee on Home Affairs, Health and Education in London on 12 March 2014. The Committee was investigating the potential reform of the EU US Safe Harbor Framework which allows some EU personal data to be transferred to the United States.
On 7 May 2014 the Committee issued a final report, calling for improvements to the Safe Harbor. Galexia Director Chris Connolly appeared at the Commonwealth Cybersecurity Forum in London on 5 March 2014. Galexia has played a key role in assessing national, regional and global approaches to cloud computing privacy and security policies.
In October 2013 Galexia and Doll Martin Associates strengthened their existing partnership and announced a closer strategic alliance. In October 2013 Galexia and Doll Martin Associates strengthened their existing partnership and announced a closer strategic alliance. The Committee on Civil Liberties, Justice and Home Affairs (the LIBE Committee) is holding an inquiry on electronic mass surveillance of EU citizens, and Chris will appear before the Committee in Strasbourg on Monday October 7. Galexia and the United Nations Conference on Trade and Development (UNCTAD) have released a major report, entitled Review of E-commerce Legislation Harmonization in the Association of Southeast Asian Nations (2013).
Galexia and the United Nations Conference on Trade and Development (UNCTAD) have released a major report, entitled Review of E-commerce Legislation Harmonization in the Association of Southeast Asian Nations (2013). This 2013 review documents the significant advances made by ASEAN countries in the area of e-commerce laws. Galexia’s extensive and detailed work with ASEAN has assisted ASEAN be the first region in the developing world to adopt a harmonized legal framework for e-commerce and it is the most advanced developing region in terms of implementing harmonized e-commerce laws. The review includes detailed regional and national analysis of e-commerce laws, privacy, cybercrime and cloud computing. Galexia provided the Australian Energy Market Operator (AEMO) with options for implementing Single Sign-On (SSO) to external Software-as-a-Service (SaaS) applications. Galexia was engaged to undertake an independent review on the operations and effectiveness of the Queensland Personal Identification Information in Property Data (PIIPD) Code. Galexia has played an ongoing role in the development, implementation and review of a code-of-conduct for QVAS (Queensland Valuation and Sales System).
This code-of-conduct is an excellent example of successful privacy self-regulation in the information broking sector. The 2013 Global Cloud Computing Scorecard the first-ever report to track year-over-year change in the international policy landscape for cloud computing shows that cloud readiness is improving, if unevenly. These findings come against the backdrop of the massive and well-documented movement to cloud services by consumers, businesses, and governments.
Countries around the world are improving the legal environment for cloud computing — though at an uneven pace that risks undermining the full economic potential of cloud technologies. The new 2013 BSA Cloud Scorecard builds on an inaugural edition of the report released last year. The study finds that policy improvements in many of the world’s biggest IT markets have stalled.
The study evaluates countries in seven policy areas critical to the market for cloud computing services — data privacy, cybersecurity, cybercrime, intellectual property, technology interoperability and legal harmonization, free trade, and ICT infrastructure.
Malaysia crossed the divide between mature and developing economies by bolstering cybercrime and IP laws and opening itself for increased digital trade.
Canada, Russia, and India all moved up the rankings by implementing international IP agreements. Indonesia and Vietnam are among the countries tying up foreign cloud providers in red tape, imposing data-location requirements, or restricting the flow of data across borders. The 2nd Cloud Readiness Index (CRI) developed by the Asia Cloud Computing Association evaluates key attributes in order to identify the state of readiness for cloud computing in 14 markets across the Asia region. The Index is designed to look at the state of readiness for cloud computing in markets across the Asia Pacific region - especially how we see regulation and policy work by governments - to help advance cloud computing in Asia. The Index incorporates information from several sources, including the Global Cloud Computing Scorecard (2012) completed by Galexia for the Business Software Alliance (BSA) in February 2012.
On 22 February 2012, the Business Software Alliance (BSA) launched the BSA Global Cloud Computing Readiness Scorecard (2012) developed by Galexia. The first-of-its-kind Scorecard analyses and ranks the legal and regulatory framework and broadband infrastructure of 24 countries based on seven policy categories that measure the countries’ preparedness to support the growth of cloud computing.
The Scorecard also includes a detailed country-by-country analysis of legislation, regulations, case law, government policy and standards. On 14 February 2012 Galexia presented the new Global Cloud Readiness Scorecard at the Cloud Connect conference in Santa Clara USA.
In September 2011 the Australian Securities and Investments Commission (ASIC) issued a completely revised and updated Code of Conduct for Electronic Transactions. In September 2011 the Australian Securities and Investments Commission (ASIC) issued a completely revised and updated Code of Conduct for Electronic Transactions.
Galexia Director Chris Connolly was a member of the expert working group revising the Code - a process that took two years to complete and involved three rounds of public consultation. Galexia assisted CHOICE with its submission regarding the 2007 review of the Electronic Funds Transfer (EFT) Code of Conduct, as conducted by the Australian Securities and Investment Commission (ASIC).


The paper recommends the introduction of private sector privacy legislation based on a mix of EU and APEC best practice.
Singapore joins a growing list of countries with proposed and draft privacy legislation in the region.
The Cloud Readiness Index developed by the Asia Cloud Computing Association evaluates key attributes in order to identify the state of readiness for cloud computing in 14 markets across the Asia region.
The index incorporates information from several sources, including the Asia Pacific Digital Economy and Cloud Computing Scorecard completed by Galexia for the Business Software Alliance (BSA) in March 2011. Galexia director Chris Connolly is the joint author of two articles on privacy and health data.
Regulation and Perception Concerning the Use of Health Data for Research in Australia, Christine M O'Keefe and Chris Connolly was published in the Electronic Journal of Health Informatics, Vol 6, No 2 (2011): Special Issue on Smart Healthcare Systems. The primary objective of this review is to provide an overview of the issues involved in balancing privacy and access in the context of health research. The topic of our review is of current interest in the context of the Australian Government National Collaborative Research Infrastructure Strategy (NCRIS) investment in the Population Health Research Network (PHRN), which aims to provide improved accessibility to health-related data for the research sector. Although there is little evidence of privacy complaints or breaches in health research, it seems clear that privacy regulation and privacy perception are both key factors in the health research context, acting as potential restraints on some types of research that could deliver considerable public benefit. Recent Australian Law Reform Commission recommendations leave room for technical solutions to play an increased role in allowing personal information to be de-identified for research purposes.
An Overview of International CyberSecurity Awareness Raising and Educational Initiatives - a report for the Australian Communications and Media Authority (ACMA) by Galexia in partnership with the Cyberspace Law and Policy Centre, was launched in CyberSecurity Awareness week - 30 May 2011. The study included research and advice on 68 Cybersecurity initiatives (both government and private sector) in 11 jurisdictions.
Galexia Director Peter van Dijk and Galexia s Singapore based Associate Yee Fen Lim presented the Asia Pacific Digital Economy and Cloud Computing Scorecard at an industry workshop in Hong Kong in April 2011. Galexia Director Peter van Dijk and Galexia’s Singapore based Associate Yee Fen Lim presented the Asia Pacific Digital Economy and Cloud Computing Scorecard at an industry workshop in Hong Kong in April 2011. The Scorecard is a comparative analysis of major cyberlaw issues and digital infrastructure in 14 Asia-pacific countries. The workshop was attended by industry associations and business leaders from countries in the region, with strong representation from both developed and emerging economies. Galexia has completed a comprehensive review of digital economy laws and infrastructure in 14 Asia Pacific countries - the Asia Pacific Digital Economy and Cloud Computing Scorecard.
The 14 countries in the study are: Australia, China, Hong Kong, India, Indonesia, Japan, Korea, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand and Vietnam.
The Joint Standing Committee on Treaties has recommended that Australia accede to two important cyberlaw Conventions. The United Nations Convention on the Use of Electronic Communications in International Contracts (the Convention) is the first United Nations Convention to address legal issues arising from the digital economy. The Convention contains a comprehensive framework for establishing contracts using electronic communications.
The Committee noted that in practice, businesses with disputes relating to electronic contracts have not sought to use legal means to resolve their disputes. The Committee recommended that Australia take binding treaty action to join the United Nations Convention on the Use of Electronic Communications in International Contracts.
Over 30 European member states and one non-member, the United States, are party to the Convention. The Treaties Committee drew considerable attention the role of the Convention in boosting international co-operation to deal with increasingly sophisticated and diverse forms of computer-related criminal activity. Establishment of a 24 hour, 7 days per week point of contact to receive requests and provide assistance for searching and accessing computer data.
Naturally, these aspects of the Convention have raised some community concerns about privacy and security. The Attorney-General’s Department submitted to the Treaties Committee that the capacity to access and preserve data is fundamental to the new mutual assistance arrangements. The Committee recommended that Australia should accede to the Council of Europe Convention on Cybercrime and update local laws as appropriate.
Galexia provided detailed advice to the Victorian Department of Innovation, Industry and Regional Development (DIIRD) on cloud computing. In 2009 Galexia prepared an assessment for the Victorian Department of Innovation, Industry and Regional Development (DIIRD) on issues associated with cloud computing and issues concerning potential outsourcing and off-shoring of data.
The research for the report was a joint effort between Galexia and the Cyberspace Law and Policy Centre.
Galexia Director, Chris Connolly, presented at the Privacy Laws Business 23rd Annual International Conference in Cambridge, UK, from 5-7 July 2010. Galexia Director, Chris Connolly, presented at the Privacy Laws & Business 23rd Annual International Conference in Cambridge, UK, from 5-7 July 2010. Galexia has previously conducted research into trustmark schemes and the Safe Harbor privacy framework.
Malaysia’s lower house (Dewan Rakyat) has passed the Personal Data Protection Act 2009.
Galexia and Qubit Consulting have implemented a major new identity management solution for the University of Western Sydney. Galexia and Qubit Consulting have conducted a major upgrade of identity systems for the University of Sydney.
On behalf of ACCAN, Galexia prepared a submission to the Expert Panel On Franchising And Unconscionable Conduct, established by the Government following a parliamentary inquiry into provisions of the Trade Practices Act 1974 that prohibit unconscionable conduct.
The submission proposes to reform Australia’s consumer laws by inserting a new fairness test into Section 52 of the Trade Practices Act (and all legislation that mirrors that test). Galexia Director, Chris Connolly spoke at Privacy in the Asia-Pacific: 2010 Update A comprehensive survey of privacy and data protection in the region on 2 March 2010. Chris discussed the overlap between regional privacy developments and global privacy standards. Galexia is preparing a report on interoperability for the Australian Communications Consumer Action Network (ACCAN), including a set of draft interoperability principles. ACCAN will present the report to COPOLCO, the Consumer Policy Committee of the International Standards Organisation (ISO).
Chris Connolly has been interviewed for the Privacy Laws and Business International newsletter, discussing the recent action taken by the US Federal Trade Commission against six organisations who falsely claimed membership of the US Safe Harbor.
Prior to the FTC action, Galexia published a report highlighting the problem of false membership claims and data accuracy of the Safe Harbor list. The Country Risk Barometer: Key Challenges for 2016 produced by trade credit insurer Coface, highlights those countries that have persevered through this economic contraction as well as those that have recently underperformed. Bright spots from the report have been seen in Europe as a whole, with Central Europe being the highlight.
That is not to say that risk from a possible Brexit, the ongoing Refugee Crisis and financial instability in countries like Greece, Spain and Portugal should be ignored.
Further, the Coface report notes that “in addition to sluggish GDP growth negatively affecting their profitability, businesses in emerging countries are currently facing a second problem: their growing debt. In some of our former posts we have discussed how artists and entrepreneurs are using crowdfunding to raise money for their art and business projects, but did you know that athletes of all ages are using crowdfunding as well? Over Kapipal’s history, we have found that there is not one specific point where athletes turn to crowdfunding. To get started, go to the Kapipal home page and click Start Project in the top-right side of the screen.
League Fees – Even fun adult softball leagues have been known to have fees, so if you and your team are a bit tight on money, crowdfunding could be a great way to generate the funds needed to get you and your team playing! Tournament Fees – No matter whether you are participating in local tournaments or national tournaments spread out across the country, there are always fees associated and sometimes they can be pretty hefty!
Equipment – Whether it is soccer cleats or football helmets, equipment is very important, especially in regards to player safety. Finance professionals, platform operators and anyone interested to learn more about digital finance and the fintech market. The Grow VC Group has collected a new vision and insights document (see below) that focuses on new business models, new finance instruments and better utilization of resources in the finance sector. In our document we especially focus on four key areas: 1) capital, 2) distribution, 3) instruments, and 4) customers. We have listed some key areas to enable these new models: 1) new competence and knowledge development, 2) data and analytics, 3) technology, and 4) new innovation models. The Grow VC Group works in many areas in the ecosystem to develop new competences, services and technology solutions.
Many parties see that there will be more requirements for the back offices of the platforms, for example in KYC, AML and reporting functions. In summary, many alternative finance and fintech events have started to repeat one another. Now it is important that this new industry really starts to think about the next big steps, how to really get alternative and digital finance to a major role in the finance sector. At TradeUp (a Grow VC Group company), our investment thesis is built on the consistent research finding that globalizing companies outperform the broader market.
One of the most rewarding aspects of Kapipal (a Grow VC Group company) is hearing countless success stories of campaign creators turning their dreams into reality.
My campaign was created in order to raise money to finance the artwork and duplication of my new album, « Ice Age Paradise », a record featuring a ten-piece ensemble of horns, strings rhythm section and voice.
My record label informed me recently that they had decided not to put out my new album and therefore I was forced to find a DIY approach to financing final steps of the project.
A friend used Kapipal to create his own crowdfunding campaign to finance the completion of his current album and he recommended your service to me.
Yes, several people that I didn’t expect would donate actually did and others whom I thought would, didn’t. We’ve written about the API Economy previously and expressed our optimism toward specialization of service providers in the financial services market.
In 2013, a revised Payment Services Directive (PSD2) entered the discussion and was proposed by the European Commission with the objective of furthering the services and standards in the original framework. In the framework of PSD2, there are provisions to mandate a requirement for financial institutions to provide access to their core banking services for service providers through an application programming interface (commonly, API). The aim of this interface and more broadly framework, is to bring strong customer protection and efficient fraud prevention standards into play, but the effects on pushing financial institutions into adopt the philosophy around the API Economy may be much more significant than the framework might lead you to believe.
From our work with leading financial institutions around the world, we can see the work on exposing interfaces and making core banking services available already. It may be tempting to think, that frameworks put forth by the European Commission would only have an impact within its jurisdiction. As governments around the world look to small and mid-size enterprises (SMEs) as engines of growth, trade and job creation, a thorny challenge stands in the way: hundreds of billions of dollars of pent-up demand for trade finance. This financing can be used as export working capital that enables a company to purchase labor and inputs to fulfill a specific export order. While critical for SME trade, such transactional financing is not enough to fuel globalizing SMEs. These findings are indicative of a global trade finance gap, now estimated at $1.4 trillion, $693 billion of which is in developing Asia, including India and China. Before the crowdfunding industry even existed, musicians often relied on money from their fans to record albums and tour, so it comes to no surprise that many famous musicians have become active members of the crowdfunding industry. After breaking with a major label, musician Amanda Palmer turned to crowdfunding in order to generate enough money so she could record her next album.
Hip Hop Legends De La Soul turned to crowdfunding in order to generate funds for their eighth album.
Other well-known musicians that have turned to crowdfunding include: the surviving members of TLC, Toad the Wet Sprocket, Kenny Loggins and Paula Cole. Now remember, you don’t have to be a famous musician in order to benefit from crowdfunding. Working together with other company functions, including sourcing, compliance and sales, helps treasury manage cash flow and improve the company’s working capital position. In turn, cloud-based, data-driven platforms are increasingly improving supply chain management, by lending themselves to predictive analytics and collaboration between partners such as suppliers and banks. LendIt, San Francisco – April 12 – Speaking at the worlds largest online lending event, Crowd Valley Inc, creator of the world’s first digital back office for private securities transaction portals and marketplaces announced new service levels after pilots with financial institutions. Crowd Valley now offers tailored service, including compliance technology used by the SEC and FINRA to meet rigorous bookkeeping for long-term evidential log retention and state of the art end-to-end encryption both at rest and in transit through the full data lifecycle. The value chains of financial services are changing and banks at the forefront are deploying new methods for servicing their clients.
Use cases for banking institutions include online new business lines ranging from small and medium size business (SMB) loan origination, consumer credit origination and servicing (e.g. Crowd Valley provides a Digital Back Office and public API that enables the transition from an offline investing or lending model to an online native application such as peer to peer investing and lending, real estate and alternative asset marketplaces for financial services professionals. LendIt is the largest conference series dedicated to connecting the global online lending community, including top industry leader speakers. Crowd Valley (a Grow VC Group company) took part in the Amazon Web Services (AWS) Security Roadshow, which ran from 16-23 March across several cities.
Crowd Valley has worked closely with Amazon Web Services since the company launched, and AWS infrastructure continues to set the market standard.
Crowd Valley customers can benefit from the same long-term security of audit trails, database backups, integrated access controls and compliance measures. As we at Crowd Valley plan our long-term product and security roadmap, our focus is on increasingly sophisticated policies and procedures to ensure a resilient technology environment on which our customers can rely for their security objectives and compliance requirements. We are excited to announce that BroadcastAsia, Southeast Asian Audio Visual Association (SAAVA) and Kapipal are teaming together to provide creative projects with fundraising, marketing and PR opportunities, as well as the chance to present to potential investors at the annual BroadcastAsia event, which will take place May 31st – June 3 in Marina Bay Sands, Singapore.
Top projects will be rewarded with free tickets to BroadcastAsia2016, and will be given the opportunity to present live on stage to some of the creative industry’s best producers and investors. Thus far, submissions for this event have included creative projects involving film, documentary, TV production, music video, as well as online videos.
Helping Projects to Succeed – This first blog acts as a great introduction for those that are new to crowdfunding.
Providing Transparent and Accurate Information – This post is a continuation of the one above and highlights the 2nd key to successfully funding your crowdfunding campaign, which – as you may have guessed! Providing a Variety of Engaging Content – The final post of this beginners series discusses the 3rd key to having a successful campaign – providing a wide variety of content! It is also very important to share your crowdfunding campaigns with your friends and family (and maybe even strangers!) so here is an article that features tips on how to share your crowdfunding campaign over social media – so be sure to check that out. Crowd Valley (a Grow VC Group company) has supported over 100 clients in the market with their fintech applications, and we see many good ideas for different verticals and digital finance products. You can build an amazing digital investing platform with our API, but if you are not going to promote it in the right way, it will not get any attention. I recently had a conversation with Sebastian Fung, the VP Marketing at WeFinance.co, a crowdlending platform that matches borrowers and lenders at interest rates that benefit both parties.
These are three very important points and we will return on this in future blog posts since there are different areas to cover and to consider when you are planning how to market your online investing or lending application. I’d love to learn what you currently do to promote your product and what are the best marketing tactics (eg.
The potential for digital investing and more in general for the alternative finance market, seems good in the Netherlands. Every day we are quite literally inundated with spam, advertising, and all kinds of communication from friends, colleagues and people trying to sell us something through every possible set of channels. Every week there is a self-proclaimed “expert” stating that the newsletter is dead, but the fact is that newsletters are still one of the most effective marketing tools, when you look at conversions and visits to your site, and one of the best ways to stay up to date and informed about a particular topic or industry as they filter through the noise and hype. Probably the best newsletter to track emerging industries, venture capital and disruptive startups.
This is a curation of the best news and trends in the tech world, with a particular focus on financial technology. Nicely curated newsletter compiled daily that brings to you the best perspectives, insights, and lessons learned from investors, founders, and other operators in the startup ecosystem. Good collection of the latest articles on developments, solutions and innovations in fintech industry, with dates for conferences, hackathons and deadlines. I’d love the chance to learn from you with any suggestions you may have and to learn what are your favourite fintech newsletters.
The City of Barrie has a strong entrepreneurial ecosystem background with key players like Invest Barrie, Henry Bernick Entrepreneurship Centre at Georgian College or VentureLAB. Its target is to make the transition from entrepreneurship to startup ecosystem and wants to encourage technology entrepreneurs to start and grow global businesses that will create more jobs, boost Barrie’s economy, strengthen global connections and make the city a more desirable place to live, work and visit. Barrie’s tech startup ecosystem is in the very early stages of development and they face challenges like lack of volume factor, limited access to investment, key services and activities, as well as a framework in place to break with silo mentality and implement a holistic approach that can bring more connectivity, measurement and benchmarking to its startup ecosystem. Initial two days kick off workshop to build mutual understanding of the current level of Barrie’s startup ecosystem and services, to figure out what development and focus is required first and which parts of this development would benefit the most to begin with. San Francisco – March 22 – Crowd Valley Inc, (a Grow VC Group company) creator of the world’s first digital back office to power online finance business announced that Ronald J. From left Crowd Valley CEO Markus Lampinen, Corporate Development Executive Advisor Ronald J Buschur, and Chairman Jouko Ahvenainen in Crowd Valley’s HQ in San Francisco.
On February 24, 2016, the Italian securities market regulator (Commissione Nazionale per le Societa e la Borsa, Consob), updated the regulations for equity based crowdfunding. Italy was the first country to regulate digital investing through online funding portals, but despite that the equity crowdfunding market has been slow to take off (with just over €3 millions in total raised).
The approach has initially been cautious, but the Consob is now showing great interest for the market and made significant improvements to the framework for crowdfunding regulation with these changes. Bryson proposes speeding up the process by stop using the same methods for all qualitative projects and taking advantage of the technology revolution and the capabilities we have now available. The main advantage of this method, compared to traditional focus groups, is that it allows for a great diversity of participants at a lower cost, as there is no need to travel to many cities to reach different types of participants.
Their main advantage is allowing for in-context interviewing, which is very useful in shop-along and ethnographic studies. Bryson proposes to use this method mainly to facilitate and speed up the recruitment process and argues that it is more cost effective, but many qualitative researchers say the quality of participants found this way tend to be lower and that nothing substitute the need to screen them by a human being, wiping out any potential savings in trying to avoid using recruiters. The solution to this problem, according to Bryson, is to use hybrid approaches in which qualitative and quantitative research are married to provide more impactful insights.
Hybrids provide numbers with depths and also reports with visual elements that bring the results to life. I can’t emphasize enough the importance of having clear objectives and being aware of what focus groups can and cannot accomplish. Participants don’t have any choice other than to engage in the discussion driven by the moderator. Focus Groups rooms are a neutral space where participants are expected to be free to express their opinions, good or bad. Think for a moment: How openly critical are you going to be of the party host when you are treated as a VIP and alcohol is offered? Designing an ethnographic study that provides valuable insights takes great care to see that the context is not chosen arbitrarily.
In some cases, both approaches yield similar results, but this doesn’t mean that picking the cheapest will be your best bet.  I had a client who wanted to test pricing for a new product with a couple of focus groups.
It can also be used later in the process to get a deeper understanding of certain behaviors and needs.
You may realize that you will be wasting time and money in a research approach that won’t help you to make decisions. Probably the most common methods for testing new consumer product ideas, at least in the initial phase, are qualitative (focus groups, IDIs, etc.).
It is actually the ideal way to do it to avoid including variables that are not relevant and can distort the results. They should be used for exploration and in-depth understanding, but never to make final decisions. Below are some of the most common mistakes you should avoid when doing Focus Groups (Greenbaun, 1998).
It seems obvious, but there are moderators that come to Focus Groups with general ideas of what should be discussed, without any formal discussion guide. Planning is needed to make sure that the stimuli are easily understood and appropriate for the research objectives and different enough to allow us capture different reactions.  The mistake is often to come with not well developed stimuli or with too many of them, resulting in sessions that are not as productive as they could be otherwise.
Clients behind the one-way mirror often send notes asking the moderator to probe on a particular question or issue. Clients should be aware of the advantages and disadvantages of Focus Groups and come with an open mind to listen to what ALL participants have to say, not just a few which happen to agree with the client’s point of view.
Clients should come to Focus Groups with an open mind and listen to what ALL participants have to say, not just a few which happen to agree with the client’s point of view. Put time into planning, pay for experienced moderators and make sure you use Focus Groups for the right purpose. When I ask what the objectives of the research are, and how the information is going to be used, in 99% of the time, doing focus groups is the wrong methodology for what the client wants to accomplish. In another, the client wanted to see how potential customers use some electronic devices with the goal of writing instruction manuals. In more advanced stages of the packaging development, focus groups can be used as a “disaster check” to make sure it is consistent with the brand.
After a promotional campaign is launched, focus groups can be used to understand why consumers did or did not participate in the promotional program. Never, ever make final decisions on whether to launch a product, select a packaging, go with a positioning concept, or get married to a creative solution for an advertisement or promotion, solely based on focus groups. This is a fact that market researchers have to wrestle with in the design phase of any research project.
They don’t take into account all possible options and may not make optimal decisions, but their decisions are “good enough.” This may be due to information overload, too many options, time constraints, financial situation, and lack of category involvement, among other factors.
We often assume that others think like us, but are also influenced by the decisions of others (e.g. In my opinion, in order to tackle this problem from a research perspective, we first need to understand how consumers make purchase decisions in a particular product category and identify potential segments with different decision making approaches. These need to be combined with methods that go deeper and allow us to understand consumer emotions, purchase context, cognitive biases and rules of thumbs. Some of the responses measured include eye tracking, heart rate, electroencephalography – EEG, functional magnetic resonance imaging – fMRI, galvonic skin responses, etc.
Studies using these online qualitative research techniques can be deployed pretty quickly and provide immediate access to transcripts or videos for review.
This can be easy and comfortable for the participants, although for now is limited to text only.
To request consumer shopping behavior data and insights don’t hesitate to contact us. I've been thinking about it a lot recently - because my kids are going to go to school soon so we're trying to work that out - and realise how important that is, but I never had an inspirational teacher. Not just be left free to increase taxes willy-nilly whenever they want, with the slight chance they may be held accountable for it once every 4 or 5 years.
They get to know adopters as well as they ve gotten to know their four-legged charges: Liz and her team try to educate potential adopters and find the best match for everyone who walks through their doors. Since the beginning of this year, there have been 705 casualties in this internal war, 45 more than had been killed by the same date last year. In the Panthers' Horizon League championship win over Wright State, the tenacious forward had seven points and eight boards. They were sent text messages at the end of each day, informing them whether they were working or not. Unless otherwise specified in the prize notification, all prizes or prize certificates may be picked up at the office of the Promoter at the address below. Francisco Lopez-Jimenez, director of preventive cardiology at the Mayo Clinic in Rochester. They'll tell you what you need to know about whatever is going on in the world in five minutes or less. She recently helped a couple plan a wedding in Scotland and is currently working on a Fiji wedding.
And after knocking each and every one down, Arrowhead is the Cinderella in the Division 1 field. ECHO units, which include efficiencies and one-bedroom cottages, enable older people to live independently and privately in their own homes, even while on the property of a family member or caregiver. On icy or slippery roads or when driving on wet off-road conditions, power is distributed to both the front and rear wheels to ensure a safe, stable and dependable drive. He said: “The last two games have been very difficult against two teams in form, Manchester City and Liverpool, but at home we’ve got to do much better.
If you’re going to spend your time doing something, you should always do it with a smile. The income distribution reform, one that is closely related with China's overall social reform and development, is already receiving a great deal of attention. 2 in the final Wisconsin Volleyball Coaches Association Division 1 poll, was faced with arguably the toughest quarterfinal draw of the four area teams in the Division 1 state girls volleyball tournament but overcame a slow start to score a surprisingly one-sided, 3-1 victory over third-ranked Neenah at the Resch Center. His family came from Yugoslavia on a trip sponsored by the Lutheran Church, and several times during his remarks, he mentioned his faith, as when he mentioned moving to North Carolina. Mallon was instrumental in demolishing good homes all over Middlesbrough particularly central Middlesbrough.
Nicky Featherstone broke into the area and rolled the ball across goal and out of reach of Paynter. Nepal's four major political parties -- Nepali Congress (NC), Communist Party of Nepal-Unified Marxist-Leninist (CPN-UML), Unified Communist Party of Nepal-Maoist (UCPN-Maoist) and Madhesi Janadhikar Forum-Loktantrik (MJF-L) -- on Saturday night came up with a six-province model in the new federal set up, a key contentions issue of Nepal's constitution-making process that started in 2008 when the first Constituent Assembly was elected.
He says while Waitrose already champions English wines and Marks Spencer is considering offering domestically-produced tipples, he has turned down offers to export his wines to far flung countries. The Midlands Area champion and former English title challenger in two weight divisions had too much, however, and claimed the win. A weaker yuan may counter a slump in exports, but prolonged depreciation would trigger capital flight, disturb the financial system and slash investors' confidence in the yuan. If you want to be richer, instead of lying around teaching or nursing or driving trains, do some graft and sell short for an afternoon. The soft-feel grained plastics and sensible switchgear have trickled down from the larger (and no longer available in the UK) Laguna model.
In 2014, LVMH’s leather and fashion brands grew by 10 percent year-on-year and in 2015 it estimates sales will grow by another 19 percent, with a forecast of 7 percent growth in 2016 and 2017. But the stratification between high-, middle- and lower-achieving country groups has widened, with the middle-ranking countries stagnating even as the high achievers continue to refine their policy environments..
These services in return open the door to unprecedented connectivity, productivity and competitiveness. For example, few countries are promoting policies of free trade or harmonization of cloud computing policies. The analysis is grouped under seven policy categories that are central to the growth and operation of cloud computing. The assessments include an evaluation of enforcement and implementation of existing laws in each country, as well as an assessment of compliance with relevant treaties and global agreements where applicable.
The week includes sessions on cybercrime readiness, consumer protection online, ICT policy reviews and the proposed Action Plan for Aid for eTrade. Recent and expected regulatory changes in the field of data protection and privacy as well as diverging approaches in different parts of the world, call for renewed discussion on possible ways forward. Industry players and consumers, as well as governments and international organizations will present their perspectives and outline the latest developments, current practices and relevant frameworks.
Representatives from public and private stakeholders will then take the floor to discuss thematic topics and present their experiences. However, it is almost certain that the Privacy Shield will be implemented in some form in the near future. This was the final major hurdle in the passage of the Directive, and the Directive is expected to be endorsed by parliament in the near future.
One of our key reports on CyberSecurity is the 2015 EU CyberSecurity Maturity Dashboard (including 28 Country reports and case studies). Claro collaborated with Galexia on several regional projects, and was based in the Galexia offices in Sydney for a short period while he worked on the development of the Philippines privacy legislation, (the Data Privacy Act 2012).
He was a global expert, having lived, worked and studied in the Philippines, Australia, Canada, the US and Singapore. Claro’s gentle combination of wit, insight, friendship, intellect and cyber-law expertise will be missed by all of us. It is intended to provide EU Member States with an opportunity to evaluate their countries’ policies against key metrics and maps a way forward by outlining the key building blocks for a strong cybersecurity legal framework.
It will discuss ways to ensure confidence and trust in the use of the Internet through the enactment of legal and regulatory frameworks for protecting personal data, privacy and combatting cybercrime. Galexia has been commissioned to prepare the 3rd Global Cloud Computing Readiness Scorecard, following the success of the 2012 and 2013 scorecards.
We have assisted in the development of a staged privacy and security assessments and compliance framework for prior migrations. Galexia has been commissioned to prepare a report on Cybersecurity in 10 Asia Pacific nations.
Galexia has been commissioned to prepare a report on Cybersecurity in 28 European Union nations. The Safe Harbor Framework is a mechanism for allowing some EU data to be transferred to US businesses while protecting the privacy of individuals. Mr Connolly was asked to provide evidence on the level of privacy protection provided under the Framework.
He discussed the balance between privacy and security in the emerging cloud computing environment. Galexia and Doll Martin Associates have worked on projects together since 2005 and both organisations have decided to leverage their particular strengths and synergies by working together. Chris's task will be to comment on the effectiveness of the US Safe Harbor Privacy Framework, a topic that Galexia has covered in several previous research papers, articles and speeches. The report is a follow-up to Galexia's previous AusAID funded project to harmonise e-commerce legal infrastructure in ASEAN (2004-2009) and Galexia’s earlier study for the UNCTAD Information Economy Report on ASEAN cyberlaw harmonisation in 2008. It also makes proposals for accelerating the process of regional integration and harmonization as outlined in the ASEAN ICT Masterplan 2015.


Our consultants performed an analysis of AEMO's authentication requirements, internal and external applications, and existing processes. The review considered the operation of the Code and encompass accountability, effectiveness, efficiency, accessibility, independence and fairness.
The Scorecard also finds that policy fragmentation persists, as some countries, aiming to promote local cloud markets, adopt laws and regulations that inhibit cross-border data flows or skew international competition. The biggest mover in the rankings is Singapore, which vaulted to fifth from 10th place a year ago by adopting a new privacy law that builds user trust while also promoting business innovation. Notably, all six European Union countries covered in the study have lost ground in the rankings. It also provides insight into how regulation and policy work address cloud computing issues. It measures key attributes and conditions that will help companies and individuals determine which markets are currently best placed for wide adoption of cloud computing services. The new scorecard examines the legal, regulatory and infrastructure environments in 24 countries, including a detailed assessment of their readiness for cloud computing. The new ePayments Code replaces the long standing EFT Code of Conduct, and applies to a broader range of online payment systems.
A public consultation paper issued by the Ministry of Information, Communications and the Arts was released on 13 September 2011, titled: Proposed Consumer Data Protection Regime For Singapore. Interestingly, the paper also proposes the establishment of a national Do Not Call Register to fight against the intrusion of telemarketing.
Appropriate collection, management, linkage and interrogation of health data can play a vital role in improving individuals’ health and wellbeing. This initiative is likely to attract new researchers to the field of population health, and the current review may assist them in taking account of privacy regulation and perceptions when designing study and consent processes. In particular, significant concerns regarding consent and de-identification remain in the community. Recent advances in the techniques for de-identifying personal information provide some hope that de-identification can occur without a negative impact on data quality. The presentation focussed on areas where the region is making good progress on developing consistent and harmonised laws and regulations that facilitate cloud computing. This important comparative analysis was commissioned by the Business Software Alliance (BSA). The United Nations Convention on the Use of Electronic Communications in International Contracts (Electronic Contracts Convention) and the Council of Europe Convention on Cybercrime (Cybercrime Convention). The Convention covers a range of criminal activity involving use of computers or computer networks, such as in unlawfully accessing computer data or interfering with computer systems, or where computer use is integral to the offence, such as for the distribution of child pornography via the Internet. Seventeen other nations have signed the Convention, including non-members Canada, Japan and South Africa.
However, they also advised that Australia would lodge a Reservation to requirements for foreign investigation of real-time data to ensure they matched Australian thresholds - in particular, Australian law limits disclosure of real-time traffic data to investigations relating to a criminal offence punishable by at least three years’ imprisonment. Communications privacy complaints: in search of the right path was launched by the Australian Communications Consumer Action Network (ACCAN). The Act introduces protections for personal information, including requirements of and restrictions on private sector data users and rights of data subjects.
Galexia assisted with the design, development and implementation of automated provisioning, password synchronisation and data cleansing for University staff and students.
Galexia assisted with the development and implementation of a security and provisioning solution for University staff and students. The seminar was part of the Continuing Legal Education seminar series run by the Faculty of Law at the University of New South Wales. Tang, Professor Colin Bennett, Professor Abu Bakar Munir, Ms Katrine Evans, Mr Iwan Setiawan, Mr Nigel Waters, Assistant Professor Pirongrong Ramasoota, Mr Chris Connolly, Mr Claro Parlade, Mr Edward Santow, Professor Roger Clarke, Mr David Vaile, Ms Robin Bayley, Professor Graham Greenleaf. Interoperability, in many systems, can provide a number of benefits for consumers, including reduced cost, increased functionality, and increased competition.
The report was published in Privacy Laws and Business International, and is available from Galexia’s website.
Benefiting from cheap oil, the weak euro, and the slow decline in unemployment, the outlook looks positive overall.
Sometimes they are a fresh individual or group looking to start a new league or raise money for a future event, other times they are already well-established and simply need funds for new jerseys or tournaments. Digitization, alternative finance and fintech enable many new things, but they are enablers and the ultimate target is to offer better products and more value to the customers, to increase business earnings and offer better ROI for capital. We then highlight some models and solutions, how finance companies can increase efficiency and value in all those key areas. The established finance institutions often also need a significant culture change to adapt to new models. For example, Crowd Valley’s back office enable fast development of new finance service on robust cloud based back office functions, DealIndex is the leading source of Alternative Finance data, Grow Advisors assists finance companies in the transition to the digital era, and TradeUp develops new models for export growth capital. Banks have their capital restrictions and price for capital tied to higher risk loans that leaves a lot of room for other players. There are some activities in that area and often sought from the investors position, but e.g. This is the area where Crowd Valley also offers leading solutions for platforms and portal to meet their ongoing and long-term requirements. They have the same stories about regulation, some known platforms and speculation, how new models can have a huge potential. It requires more ecosystem, business model and technology competence than most conferences offer today. Now Boston Consulting Group (BCG) has produced evidence that private equity funds with portfolio companies with increasingly popular buy-and-build strategies (in which a PE firm buys a company and then build on this platform through add-on acquisitions) with cross-border acquisitions outperform buy-and-build strategies that are purely domestic and strategies that do not include buy-and-build.
The international expansion of a formerly domestic company is hypothesized to unlock opportunities for cross-selling, generate larger scale economies, and catalyze further expansions, especially if the business improvements raise investors’ expectations of results that have yet to be reflected in financial performance. Many of these stories are so remarkable that we decided to create a “Creator Spotlight” blog series. Each person who donated will receive a copy of the album and depending on the amount given, she or he will obtain the music in a different format (ex.
It looks like frameworks and proposals being put in place may speed up that development, by forcing uniform standards and requirements on the market. The revised Payment Services Directive (PSD2) may have a long term effect and catalyze the banking sectors position shift to piping from certain high-value services.
The PSD2 is still not fully set and the discussion is still ongoing, however, there are various elements that are interesting to examine and are being anticipated by service providers in the financial markets. The use case is to allow third parties, with the end users permission, access to certain services using their accounts with financial institutions such as banks.
Take for instance the Spanish Bank BBVA’s API Market platform that’s been rolled out in Spain and the US so far. We can see the amount of investment being made into new cutting edge technologies, new ways of providing services and new business lines being created.
Or it can be used as supply chain financing that helps the company get paid faster for its export shipment than its foreign buyer wants to pay, and thus get cash flow needed to process the next order. Debates on the trade finance gap—and on export promotion and trade and development—need to focus on the growth capital gap.
World trade grew an average of 3 percent between 2010 and 2015, after 6 percent annual growth between 1983 and 2008. Below, we will look at a couple different examples of famous musicians using crowdfunding for their albums or tours! She proved to be extremely successful, as she generated $1.2 million from her fans spread out across the globe.
Like Palmer, De La Soul felt that it was in the music’s best interest that they separate from a major label, citing that major labels often infringe on the creative process.
Crowd Valley offers service that meets banking requirements include single-tenant application models, end to end data security, integration into sophisticated firewall architecture, and highest service commitments to service integrity.
The company is headquartered in the heart of San Francisco with further offices in London, New York and Hong Kong. The roadshow covered in detail how technologies such as Crowd Valley’s, which leverages the AWS infrastructure, can benefit from cloud architecture built to satisfy the requirements of the most security-sensitive organizations. In its 2015 Magic Quadrant for Cloud Infrastructure as a Service, Worldwide, Gartner placed AWS in the “Leaders” quadrant and rated AWS as having both the furthest completeness of vision and the highest ability to execute.
There are still openings available, so join now for your chance to raise money, get exposure and to present at BroadcastAsia 2016! Their focus is helping people lend based on personal relationships and social validation, rather than credit scores (eg.
Each of them has specific considerations and aspects, that may make them more relevant in specific niches or market verticals and any strategy needs to be considered in full thoroughly. This is the result of an effort started by The Netherlands Authority for Financial Markets (AFM) in December 2014, when they published a report on crowdfunding, drawing attention to perceived problems in the current regulations and offering their recommendations about how the digital investing market in the country could develop more sustainably. Symbid, one of the world’s first investment crowdfunding platforms, was born and is currently based there.
With these new rules things could accelerate further and hopefully we will be able to see some very good results in the months ahead. We’ve discussed the fragmentation of the European market as an inhibitor to the digital finance markets growth and expect it to continue to as a factor in smaller countries in Europe, outside the majors like the UK. You can expect insight into fintech applications, regulatory development, market movements and trends in fintech and digital finance, with a special focus on online investing and lending, wealth management, real estate and business debt.
Startups may seem insignificant compared to large multinational companies that have trillions of dollars of wealth sloshing around in public markets, but a Kauffman Foundation study found that the majority of job growth in the United States is driven by technology startups. This allows to then set a clear target and milestones, along with a specific plan, timeline and budget to reach the set target. Buschur, formerly CEO of NASDAQ-listed Powerwave Technologies, will be working with the company in a Corporate Development Executive Advisory Role. Buschur has a proven and global track record in business, and has run NASDAQ listed technology company Powerwave as CEO, dramatically increasing revenue to over $890 million and being named “Fastest Growing Company” 4 consecutive years.
I believe we can see big successes in new finance technology models using modern technologies and I look forward to enabling finance innovation with the Crowd Valley team,” Ronald Buschur explains.
It was published in the Gazzetta Ufficiale on March 4, 2016, with the new rules effective since March 5, 2016. It’s believed this is mainly because of the intrinsic limitations with the regulations, considered too restrictive and burdensome, and the environment, that was much less innovation-friendly than it is today.
This is the second time the rules are updated since they were initially enacted in July 2013, and then expanded to “Innovative SMEs” in January 2015. This method also allows for personal interactions, is convenient, and speeds up project completion. However, it is without doubt another source to diversify the participant pool and cut cost on traveling. The most common example is to invite survey takers to participate in 3-day Bulleting Board Focus Groups, which can be conducted while the survey is running, but this approach can be applicable to other qualitative methods as it is essentially another recruitment method. Qualitative research helps to show reality behind the numbers to decision makers with vivid examples (e.g. For more on this, check When Using Focus Groups Makes Sense and Common Mistakes When Doing Focus Groups.
Even if you use surveys, the results may end up being totally qualitative and directional at best or misleading at worst. Some of my clients, in this situation, decide not do the research, others, with new acquired knowledge, find ways to get the budget to do it right, knowing they will win in the long run. More often than it should, qualitative research is used as the only base to make decisions about which products to launch, but sometimes it is followed by traditional quantitative concept testing (monadic, sequential, etc.).
Another factor is lack of familiarity with product optimization methodologies like conjoint analysis.
Although discussion guides often are modified on the spot depending on the course of the discussion, the moderator has to make sure that the discussion doesn’t take a long detour from the main objectives and that key questions serving those objectives are posed to the group. Experienced moderators use a set of techniques to leverage group dynamics to maximize the positive benefits of interaction among participants and avoid the discussion being dominated by a few voices that can influence others’ reactions to specific questions. Both the client and the moderator should be as objective as possible if any real insights are to be gained from Focus Groups. It is useless and misleading to quantify results from Focus Groups since they are not projectable. But the most worrisome case was that of a client wanting to understand the size of the market and who his potential customers were. They can talk about the problems they are having and the wishes they would like to fulfilled, but they will not normally be the source of new ideas. However, if the person is experiencing strong emotions (positive or negative), they are more likely to succumb to impulse purchases without much thought of the long term consequences. The same product may look like a good value at one store or terribly expensive at another depending on competing alternatives and our expectations. Hybrid research can also be done using SurveyGizmo, which has the capability to integrate online surveys with chat sessions from iModerate. The factory-inspired modern building is honest, hard-working architecture that sits in what was the industrial heart of Milwaukee. Roy Blunt, R-Mo., said it Obama is making the right move but said the president should have sought a congressional vote on this issue earlier. Overtime would be paid only after an employee had worked more than his allocated annual hours. It put the Bears in front, to stay, at 48-46, and clearly saved the day in the win-or-go-home scenario. The winner will forfeit any prize or prize certificate not claimed within thirty 1 day of winning. Pardew adhered to it more often than not and, overall, has done a decent enough job during his four years in charge. Scott Walker's administration could hold demonstrators at the Capitol liable for the cost of extra police or cleanup and repairs after protests, under a new policy unveiled Thursday.
Brett and I were obviously on the same staff at Drake and we've developed an unbelievable bond. Of the more than two-thirds of exchange enrollees reporting dissatisfaction with their plans, paying too much was cited as the top reason. The technology also works perfectly to give a smooth and safe departure when driving away from a standstill on a steep slope, while a lock mode distributes power equally between the front and rear wheels at speeds below 25mph to optimise traction. Then there is my husband (French billionaire Francois-Henri Pinault) also who takes me to many places.
On Tuesday, the authorities repeated their earlier statement that the results would be released soon . Whether or not some breakthroughs will be achieved in this area will produce decisive influences on the country's consumption-based economic transformation, which is now in an important period of historical opportunities. The Red, Orange and Light Green subway lines converge in Chistiye Prudy, and buses, trams and marshrutki (gypsy vans) run frequently along the neighborhood's traffic arteries. The town centre needs investment people need to be encouraged to live there not on the outskirts.
6 when Iowa City Officer Ben Hektoen noticed "an odor of ingested alcohol" coming from the vehicle,the Iowa City Press-Citizen reported. If the issue of state restructuring will resolve the ossue, Nepal will ensure a new constitution and there will be a new president, vice president, prime minister and other major political posts, sources said. To be honest, it hasn't sunk in yet,” said Lowry who held off the challenges of overnight leaders Justin Rose and Jim Furyk, as well as Watson – all three of them Major champions – to become the first non-PGA Tour member to win the prestigious event since Martin Kaymer in 2011. Stuart says: "We don't make massive batches, the largest amount of anything will be 2,000 bottles. But if you're going to give quarterback Matthew Stafford the help he needs and a guy to take heat off of budding star defensive tackle Ndamakong Suh, the Lions did it. Repeat offenders , guarded and supervised by Military Police should be cleaning up grot spots like this instead of sitting on their butts for hours in the nick some playing on Pool tables and Game Boys for hours on end.. Tzipi Hotovely a charg l ambassadeur d Isra l en Suisse de pr senter une demande officielle au Conseil f d ral et la municipalit de Z rich de retirer leur soutien financier la conf rence de l ONG Breaking the Silence dans la capitale. The game, which is inspired by ancient apocryphal biblical texts, tasks you as an agent of God to track down several fallen angels. In February, hundreds of children were forcibly conscripted in the northeastern town of Malakal by a government-aligned militia. A spokeswoman for the commission says the plan limits participation in the Jonah crab fishery to fishermen who hold an American lobster permit or can prove previous participation in the crab fishery.
Russia and China, in particular, have imposed new policies that will hinder cloud computing by limiting the ability of cloud computing service providers to adequately move data across borders. The Scorecard analysis is based upon a combination of published information and statistics and evaluation by independent experts at Galexia. The week concludes with the launch of the UNCTAD B2C E-Commerce Index 2016 (Measuring Cross-Border E-Commerce). It will explore the complexity of cross-border enforcement and ways in which governments and businesses can work together in these areas. Mr Connolly provided an overview of national approaches to cloud computing policy and regulation, with a special emphasis on the issues facing developing countries.
We used our expert knowledge of cloud-based SSO technology vendors and solutions to select and cost the best approach, based on proven cloud identity design principles and best practices. The 2013 study finds that Japan continues to lead the global rankings with a comprehensive suite of laws supporting digital commerce. Others are effectively unplugging themselves from the global market — with especially counterproductive policies in Korea, Indonesia and Vietnam. Connolly, Privacy and the use of health data for research, Med J Australia 193 (2010), 537-541. However, the assembly and use of linked population, clinical and genetic health databases in the research and policy analysis environments raises privacy, confidentiality and ethical concerns.
Some regional gaps and challenges were also identified in areas such as data protection law, cybercrime legislation and ICT infrastructure. The Act will also create a Personal Data Protection Commissioner, an advisory committee, and an appeals tribunal. With the prospect of economic volatility reaching developing countries, evaluating risk is key when determining investment and trade opportunities. Whether it is an Olympic level athlete generate funds for the Rio 2016 Summer Olympics or a youth sports teams trying to gain support for their tournaments and travels, athletes from all over the world are using Kapipal (a Grow VC Group company) to raise money for their dreams.
With the campaign page, it will be a very important that you inform your audience of who or your team is and what your goals or dreams are.
The UK has been the leading market, where the FCA has had an important role to play in enabling the fast development of the industry. I also boosted my personal music page on Facebook in order to reach a wider number of people. Similar initiatives are being prepared and launched in various forms of innovation accelerators, internal ventures and new business development teams around the world. Given the interconnectedness of the global financial services sector, new ways of delivering are being prepared and launched all around the world, and strategies are being laid out on how positions are changing in the market. The same characteristics in the market demand that ultimately manifest themselves also in new regulatory discussions and proposals, are what is is driving this shift from Asia the to the Americas. We will see banks both lead and get left behind, with the shift to becoming more relevant to the market, the consumer and the service provider longer term being the main focus. Growth capital is equity and longer-term debt financing that is not aimed at any one trade transaction, but rather at expanding a company’s production and sales capabilities. But it is important to keep in mind that she did not merely generate this huge amount by only asking her fans. Within a month of creating their crowdfunding campaign, they were able to generate $600,874, far surpassing its goal of $110,000 (their campaign surpassed this figure in only 9 hours). The resulting album, “And the Anonymous Nobody,” is set to release this year. No matter whether you are an artist, scientist, entrepreneur or merely a dreamer, there are plenty of different ways that Kapipal can be leveraged, so what are you waiting for? For Crowd Valley’s customers, this means that they can rely on market-leading technology infrastructure without having to make any investment at all in their own servers, let alone security policies, procedures, or data archives. Feel free to contact us or read more below where we highlight some of our most popular blog posts that help explain how to get started turning your dreams into reality! We remain optimistic and call for effective frameworks to facilitate cross border intra-Europe digital finance transactions and see the vast potential for growth if the world’s largest market can act as truly that. The power of information technology has been steadily increasing for the last three decades and has recently reached a level of maturity that has started to trigger a reorganization of the global economy.
Given the innovative startups’ critical role in the information economy, the importance of healthy startup ecosystems only stands to increase in the future, being this the reason why local, regional and national governments across the world are establishing programs to support tech entrepreneurs in an effort to stimulate economic growth and job creation. He has also successfully run technology growth companies, like HMT Technologies in Silicon Valley and been involved in cutting edge technology development and deployment in the United States, Europe, Middle East and Asia. You may find Walhub to be cool and potentially useful at the store but soon discover that your habits are not compatible with its use or your home’s layout doesn’t make it practical to use it). Many don’t see the connection between qualitative research and these methodologies, so I like how Henning made a clear case for it. Experience in Focus Group moderation can make a difference between successful groups that provide great insights and groups that provide misleading information. Focus groups are about the big picture and overall feelings (about an issue, brand, ad, etc.) and not individual comments. Store atmosphere, layout, music, scents, in-store advertising can invite or discourage consumers to buy.
We also seem to be wired to think short-term and have a hard time resisting instant gratification, which may interfere with rational decisions that would be more beneficial to us in the long run. The crisp, hard edges of the building, which takes on a tire tread-like texture, show deference to the supple shapes and sheen of the bikes that park along the open-air streets, meant to re-create the feel of annual bike rallies in places like Sturgis, S.D. That tragedy led to the country s first Disaster Management Act, followed eight months later by the establishment of the Disaster Management Centre.
Prize or prize certificates will not be mailed to the winner without the winner s prior written consent in which the winner shall agree to assume its risk of loss. The caller told authorities that one person had made it out, but two people were still inside the residence.
Tensions between Egypt and Iran heightened when the Islamic Republic named a street after Khalid Islambouli, who assassinated Egyptian President Anwar Al-Sadat in October 1981. Last week, it widened thecorridor by5 kopeks andsaid that it will continue toadd 5 kopeks tothe corridor foreach $600 million ofintervention money it spends onkeeping theruble inthe corridor.
22, 2013, the Philippines unilaterally initiated compulsory arbitration proceedings with respect to the relevant issues between China and the Philippines in the South China Sea. While both treatments relieved the hot flashes these drugs are designed to treat, in neither case did the scientists find any changes in cognition or thinking, for better or worse. Thehouse's chef serves fine grilled meat, boiled sprats, andFrench fries, among many other treats. Phelps admitted to smoking marijuana before driving his car and agreed to take a breath test and evaluation for marijuana intoxication. At a press conference in Kathmandu on Tuesday afternoon, the political parties appealed for calm after violent protests erupted in the western region of the country against the proposed six-state federal set-up. Tel Aviv defines such goods as dual use - meaning that while they are needed for the civilian population, they could also potentially be used by militant groups in attacks. Le but de cet v nement, qui est aussi celui de ce groupe financ par des capitaux trangers, tant de diaboliser et de diffamer l arm e isra lienne.Il semble donc que le gouvernement ait finalement d cid de r pondre aux provocations. The game is striking in both its anime-style art style and its attitude, which includes God checking in on your progress by calling your guardian angel over a mobile phone. All his 12 children are to be beneficiaries, but the deciding votes will be held by his wife and one of his children. There is still no official number of dead since the fighting started, but officials estimate in the tens of thousands, while an additional 1.5 million people have been internally displaced and 500,000 have fled abroad.
It has two other LNG developments on its books a 5-mtpa plant at Vladivostok that could be on line by 2018 and could expand to 10 mtpa in the 2020s; and the 10 mtpa Baltic LNG project that could be producing in 2018. Each group of questions is weighted to reflect its importance to cloud computing and each individual question is also weighted to reflect its importance within the group. It will also discuss measures by companies, in particular small and medium-sized enterprises, to keep consumer information secure. Australia remains in second place, and the US has edged into third, pushing Germany down to fourth.
Tell exactly why you need additional funding, and what you plan to do with it once you reach your campaign goal.
Most solutions are relevant for many types of finance institutions, but we also include models, how e.g. The event served as a good summary of the p2p lending and equity crowdfunding market in the UK and some other countries.
Many parties also see that much more data, including historical data, is needed to get the market to a more mature phase. In addition to public posts, I wrote private messages to friends asking them to share my campaign with their friends and acquaintances and wrote several emails to people in the same fashion. Leveraging back and middle office frameworks like the Crowd Valley Digital Back Office is part of this development and in our work, we are fortunate to be able to assist in the migration to the new banking economy with the right balance of efficiency and security for all parties involved. It has never been easier or cheaper to create a startup thanks to infrastructure like open source software, software as a service, cloud hosting, globally ubiquitous payment processing, viral distribution channels, real-time collaboration, on demand logistic services and hyper-targeted advertising. For online retailers, the website design, layout, navigation path, graphics, type and amount of information, and trustworthiness indicators, among others, provide a context that influence our decision to buy from a particular online retailer. Panicker submitted that it was mandatory for units with more than 10 workers and engaged in continuous processing, manufacturing, and distribution of any product to come within the ambit of the Act.
The Promoter, its sponsor, or promotional partner are not responsible for the safe arrival of a prize or prize certificate.
The next day, while inaugurating a road while Scioli stood at her side, she said: "We could have saved so much time if (the opposition) had realized just a little sooner" the value of the policies. Inother words, theCentral Bank is revving up tomanage acontrolled, slow-moving devaluation ofthe ruble that will soften theblow ofan external crisis andpreserve Russia's hard currency reserves: If Greece has acontrolled default, Russia will respond with acontrolled devaluation.
Since then, the Philippines has obstinately pushed for the above-mentioned arbitration proceedings despite repeated objections of China. Here's an idea for MBC, start collecting the rates from those that don't pay rather than hammering the ones that do pay. Phelps then asked Hektoen if he would take a Snapchat selfie, according to the criminal complaint.
A Republican rewrite without Democratic input will not inspire broad confidence that elected representatives will put the public's interest over their own or those of special interests financing their campaigns. In addition, 16 of the 33 Senate seats are up in the November election under the new legislative districts more favorable for Republicans, meaning their party could pick up enough seats to regain the majority. In May-June last year, a Chinese naval task force held military exercises with Cameroon and Nigeria, the first time that the Chinese navy appeared in the west coast of Africa. The world of El Shaddai ' is mesmerizing and beautiful and an amazing place to escape for hours. Another product is an antibiotic foam for treatment of Impetigo, an infectious disease, which is due to begin a Phase III trial after talks with the US Food and Drug Administration (FDA). To help with the scoring and usability of the study, the assessments are based on a  series of questions that are framed so that a "yes" response reflects a favorable policy setting for global cloud computing. To help with the scoring and usability of the study, the assessments are based on a series of questions that are framed so that a "yes" response reflects a favourable policy setting for global cloud computing. Also, be sure to include some images or video of you in action playing the sport you are trying to raise money for.
At the same it also illustrated, how the discussion now focuses on a few services and countries, when much more happens behind the curtains. Now some services have really started to offer data available that help follow many platforms and see historical trends (see e.g. It’s just a click of a button to start to start but remember that it’s not just creating a crowdfunding page. Buschur is joining the company to bring his expertise into global business development and strategic partner expansion. He alleged that the unit processes used syringes and gloves and transports them to Coimbatore to be sold to medical equipment manufacturing units without proper licence from the DFB.
The decision to federate the country into six provinces with tentative demarcation of borders sparked protests in various parts of the country. It's a quiet performance yet so assured that it takes you mere seconds to learn to read his silences. Reid Ribble, a Wisconsin Republican, and his Democratic colleague in the House, Jim Cooper of Tennessee, unveiled a pair of bills back in March that got little notice but could go a long way to making the nation's reapportionment process less partisan.
Shapcott is one of the world’s leading researchers on how to effectively market to, and teach, women the game of golf. The weights are shown in the table below and the results are available in the downloadable report.
On another note perhaps Mallon might reflect on the cost of investigations into his behaviour that of his ex-colleagues that cost the town a fortune under Lancet! It is the second largest town in North Sinai and the only major population centre remaining in the restive corner of the peninsula, which borders the Gaza Strip and Israel. Three people were killed and over half a dozen injured in violence that broke out in Surkhet district in mid-western Nepal.
Present at the conference were Prime Minister Sushil Koirala, CPN-UML chairman Jhala Nath Khanal, UCPN (Maoist) chairman Pushpa Kamal Dahal and MJF-L chairman Bijayakumar Gachhadar.
Chaque ann e, les Pays-Bas consacrent plusieurs millions d euros au financement, direct ou indirect, d organisations dont le seul objectif est la diabolisation d Isra l. L ambassade isra lienne La Haye et le ministre des Affaires trang res doivent exiger un arr t imm diat de cette campagne subversive et diffamatoire.



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