Monthly Archives: August 2017

Best Rate Mortgage Company – Charlotte, NC #what #are #points #on #a #mortgage #rate

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Welcome to Best Rate Mortgage
Guaranteed Best Rates in the Carolinas!

With a dedicated team at your service, we make is easy, quick and affordable to get your purchase or refinance loan closed in just a few steps.

ABOUT US

We have closed thousands of residential mortgage loans and many of our customers have expressed their confidence in us by coming back again and again for all their refinance needs. We highly value our repeat customers and referrals and will always provide the best service possible to any customer.

OUR OFFERINGS

We offer conventional and jumbo mortgages for residential purchases of primary, secondary and investment properties in all of North and South Carolina. So call and let’s get started today. We ve even added our application forms below for completion prior to meeting with us so we can expedite the review and approval of your mortgage loan application!

APPLICATION CONSULTATION

Your next home purchase or refinance starts with meeting one of our mortgage loan originators, either in person or over the phone, to get to know you, your needs your financial situation. We are a relationship driven firm and specialize in tailoring our mortgage offerings to your unique needs.

CUSTOM SOLUTIONS

After getting to know you and your needs, our team will craft a mortgage solution specific to your purchase or refinance. We can work hand in hand with you, our in house processor, your realtor, builder, insurance agent, CPA and any other related party that you need us to collaborate with.

FUNDING YOUR LOAN

After finalizing the details of your loan, having your home appraised, and satisfying everything else required to close on your home purchase or refinance, we fund your loan in a smooth, efficient process.

TIMELY RESULTS

Often in as soon as a week or two from submitting your application, you get your house at a great payment on a purchase, or great savings on a refinance.


Best Target-Date Funds for Retirement Savers #ttfrx

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Best Target-Date Funds for Retirement Savers

Target-date funds are more popular than ever these days, in part because they have become standard features of workplace retirement plans. But the best thing about target-date funds is that the managers take care of everything. They craft a portfolio of stocks, bonds and other assets that are appropriate for your time horizon. And over time, the fund managers rebalance regularly and gradually shift the asset mix to a more conservative blend.

See Also: 9 Mutual Funds for Volatile Markets

But not all target-date funds are created equal. Three features, it turns out, can make the difference between a good target-date fund and a bad one. The so-called glide path—the proportion of stocks and bonds in the portfolio and how it changes over time as the target date approaches—is one factor. Another, of course, is the innards—the quality of the funds that fill the portfolio. (Target-date funds are usually made up of several other funds from the same fund family.) Finally, expenses matter. As with any investments, the less you pay in annual fees, the better. Taking those factors, as well as a few others, into consideration, we found five target-date series worthy of mention. (All returns and data are as of September 18.)

American Century One Choice

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Risk-averse investors will appreciate this target-date fund series because it has a conservative glide path—at least in the beginning. For instance, the One Choice 2055 (AREVX ) target-date fund (the fund furthest from its target date) generally holds 85% of its assets in stocks and 15% in bonds. The average 2055 target-date fund has 90% in stocks and 10% in bonds.

The good thing is that, despite having less in stocks, you don’t give up much in the way of performance, and you get a slightly smoother ride. Over the past three years, mostly a period of strong returns for U.S. stocks, the One Choice 2055 fund produced an above-average return with below-average volatility. Its 9.0% annualized return ranks among the top 28% of all 2055 target-date funds, and the fund was 7% less volatile than the average fund in its category. Better yet, during the choppy market of recent weeks, this fund and its One Choice target-date brethren held up much better than most of their rivals.

The funds in the One Choice series hold 18 to 21 American Century funds, many of which were top performers in their category, at least in recent years.

One last note: The target-date series’ glide path stays fixed after the funds hit their target year. But that final allocation may be more aggressive than the early part of its glide path would suggest. The One Choice In Retirement Portfolio (ARTOX ) usually holds 45% in stocks, 45% in bonds and 10% in cash. The typical target-date retirement income fund, by contrast, has 31% in stocks and 54% in bonds and 14% in cash and other investments, including preferred stocks and convertible bonds.

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American Funds Target Date

As a rule, Kiplinger doesn’t recommend funds that levy sales charges. And that’s why we don’t often write about the American Funds, which offers many fine products but charges a load if you buy the fund directly or through an adviser who is compensated through commissions. But investors generally don’t pay a load to buy shares in American target-date funds if the funds are offered in their workplace retirement plan.

American is one of the biggest and oldest fund firms in the country. Many of its funds are among the biggest, by assets, and have solid track records. Such outstanding funds as New Perspective (ANWPX ) and Washington Mutual (AWSHX ) fill the Target Date series, which is one reason we like it. Other positives: Low fees and a glide path that shifts quarterly and continues to do so for 30 years after a fund has reached the target date.

Most of the funds in the American Target Date series rank in the top 10% of their peer groups over the past five years. American Funds 2030 Target Date (AAETX ), which launched in early 2007, has outpaced most of its peers in every calendar year except 2010. The fund returned an annualized 10.3% over the past five years, ranking among the top 3% of 2030 target-date funds.

Schwab Target

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Schwab’s target-date series has been around since 2005. But with just $3 billion in assets, it’s tiny compared with the likes of Vanguard and T. Rowe Price, which have $178 billion and $122 billion in assets, respectively, in their target-date products.

Even so, Schwab investors haven’t been disappointed. With a mix of actively managed and index funds from Schwab, as well as from Dodge & Cox, Loomis Sayles, Metropolitan West and Wells Fargo, among others, this series has racked up an impressive track record. Over the past 10 years, for instance, Schwab Target 2020 (SWCRX ) has returned 5.4% annualized, which ranks among the top 5% of its peer group. Target 2030 has done even better: Its 6.1% annualized 10-year return ranks among the top 3%.

Since being named manager in February 2012, Zifan Tang has made several changes to the target-date portfolios, according to Morningstar. Tang altered the glide path in 2013 to boost the funds’ exposure to U.S. bonds and lessen the exposure to foreign bonds. In 2014, she boosted the funds’ holdings in U.S. stocks while trimming the allocation to foreign stocks. Last September, Tang abruptly removed Pimco Total Return from the Schwab lineup when Bill Gross resigned—also abruptly—from Pimco. And this year, Tang removed all Treasury inflation-protected securities (TIPS) from portfolios with target dates running from 2030 through 2055.

We like the series’ below-average fee schedule (the Target 2030 (SWDRX ) fund costs 0.72% in annual expenses, according to the fund’s prospectus, which is well below that of the typical 2030 target-date fund, at 0.99%). And we like the glide path, which starts out aggressively, with more than 90% of assets in stocks when you have 40 years to go before you retire, and ends conservatively, as a fund shifts for another 20 years after it reaches the target year, to an ultimate mix of 25% stocks, 66% bonds, and 9% cash.

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T. Rowe Price Retirement

T. Rowe’s flagship Retirement target-date series has won high marks from many, including Kiplinger. The obvious reason is the funds’ above-average allocation to stocks. For example, Retirement 2030 (TRRCX ), which is designed for those who expect to retire around 2030, devotes 77% of its assets to stocks; the average 2030 target-date fund holds 70% of its assets in stocks. Even Price’s Retirement 2015 fund, with 54% in stocks, is more aggressive than the typical 2015 target-date portfolio, which on average has 45% in stocks. The series’ underlying funds have provided some oomph, too. Among the 18 funds in Retirement 2020 are T. Rowe Price Value (TROW ), a member of the Kip 25 as well as MidCap Growth (RPMGX ), New Horizons (PRNHX ) and Small-Cap Stock (OTCFX ).

Not surprisingly, the high stock allocation means above-average volatility. In 2008, when the S ?>

Best Pennsylvania Inpatient Rehab Centers for Drug and Alcohol Addiction #inpatient #rehab #in #pa

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Inpatient Drug Rehab Centers

Best Pennsylvania Inpatient Rehab Centers for Drug and Alcohol Addiction

Pristine beauty and unsurpassed charm are what drives visitors to Pennsylvania, but Dutch country is also home to an increasingly high number of drug overdose deaths, prescription opioid addictions and other substance abuse problems. Recent studies show that more than 30K people in the state died in a single year, 2015, as a result of drug overdose caused by prescription opioids such as Oxycontin or Hydrocodone. If you or a loved one is addicted to drugs or alcohol and needs help, call a treatment advisor at 1-800-552-0697 to be connected with a local Pennsylvania inpatient rehab center that’s right for you.

What is Inpatient Addiction Treatment in Pennsylvania Like?

Often times, the first emotions that come to mind when an individual is faced with inpatient treatment is fear. Fear of what will happen. Fear of what treatment will be like. Fear of whether they will hurt during detox and withdrawal. Fear of whether they can afford treatment or not…no matter what YOUR fear is, we can help you find the supportive care you need to get well.

Here’s a look at what you can expect in residential rehab in Pennsylvania:

  • Around-the-clock treatment in a medically supervised facility that cares about YOUR comfort.
  • Supervised care that is aimed at helping you cope with emotions, physical trauma, abuse and other underlying factors that may have contributed to your addiction.
  • Assessment and intake which aids the caseworker and treatment provider with defining a healing solution for your recovery.
  • Medication, meals, living quarters and all other necessary arrangements for healthy living while you are in the care of the rehab program.
  • Quality counseling, therapy, behavioral intervention and guidance to assist you in remaining focused on your recovery.

Inpatient vs. Outpatient Rehab in PA

Pennsylvania is most prone to opioid abuse—maybe worse than 75% of the nation. As such, inpatient rehab in PA is the ideal first choice for MOST people who are seeking addiction treatment in the area. Here’s a quick look at the differences between inpatient and outpatient rehab centers.

You can expect the following in Inpatient rehab:

  • To live at the facility.
  • To receive medical care.
  • To receive counseling and therapy.
  • To receive meals and housing.
  • To be monitored around-the-clock.

You can expect the following in outpatient rehab:

  • Scheduled treatment on your terms or when your counselor is available.
  • You live at home during the recovery process.
  • You may receive random drug or alcohol screenings.
  • You are expected to continue with your treatment activities while at home.

Ideally, you’ll begin with treatment in a residential rehab program that is followed by the help of an outpatient program. This provides you the greatest chance for long-term recovery and healing from a substance use disorder.

How Long Does Inpatient Drug or Alcohol Rehab Take?

The first question just about any addict that considers inpatient rehab will ask is “How long?” Unfortunately, there is no set-in-stone, or one-size-fits-all approach to recovery that will work for everyone. As such, it’s important that you NEVER compare your recovery to the next person and ALWAYS focus 100% on what works for YOU in treatment.

Here are some general guidelines on treatment times:

  • Most people will require at least 30 days of inpatient rehab before they transition into outpatient care.
  • The total amount of counseling and therapy required to change a negative behavior is AT LEAST 90 days.
  • Detox is a separate phase of treatment, so if you first spend 7 or 10 days in detox, you should THEN spend 30 days or more in residential care.
  • Certain addictions, including alcoholism or addiction to benzos, may require extended or long-term rehabilitation which takes 120 days or more of strict care.

How Can I Pay for Drug or Alcohol Rehab in Pennsylvania?

Nothing is cheap anymore is it? Healthcare especially is expensive throughout the United States, and you must look at addiction treatment as just a subset form of healthcare. As such, Pennsylvania inpatient rehab centers can be rather expensive—but this doesn’t mean they are all out of reach for you even if you have a limited or strict budget to work with. Here are some ways that you can offset treatment costs or even get treatment for free in some cases:

  • Healthcare insurance including marketplace insurance coverage may pay for up to 80% or more of a rehab program.
  • Sliding fee programs that work with you to provide addiction treatment that you pay for based on your income.
  • Free programs that are operated by religious organizations, charity or the government.
  • Loans from healthcare programs, credit cards, the rehab center itself or friends and family.

If you look at the cost of your addiction—in terms of monetary costs, relationship costs, legal troubles, health costs, emotional upheaval and everything else that combines to make addiction to difficult to cope with, treatment suddenly seems to be more affordable and realistic.

I Need Help Finding the Best Inpatient Rehab in Pennsylvania Today

Ready to get the help that you need? Whether you’re struggling with addiction heroin, methamphetamine, alcohol or any other substance, we can help you find the best inpatient rehab centers in Pennsylvania for you or a loved one. It all begins with a phone call to a helpline where a caring, compassionate recovery advisor will assist you. We’re available 24 hours a day, 7 days a week to support you recovery needs. All you have to do is call 1-800-552-0697.

Get Inpatient Rehab Help


Tricycle Europe #inbound #marketing #certified #professional, #social #selling #expert #tricycle #europe

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Social selling is a journey.

Tricycle Europe, leaders in multilingual support

Transforming Sales teams

That business follows from relationships is something that we have found to be true since 2007, when we started as a Sales Marketing agency.
Today, we are implementing a digital transformation at countless organizations internationally.

We train and coach B2B professionals to go from acting social to being social and to let social selling tools like LinkedIn Sales Navigator, Folloze, Sociabble, PointDrive and Elevate to optimally work to their advantage. We do this personally, measurably and with proven results.

We are LinkedIn certified and work exclusively with LinkedIn-trained, native-speaking coaches for a thorough understanding of each of client’s needs and culture. With native English, German, Dutch, Spanish, French, Italian, Japanese, Chinese and Arabic coaches, we serve over 44 countries within Europe, the Middle East, Asia, Africa and the Pacific from our locations in Amsterdam and New York City.

Our Social Selling program guides organizations in the switch to a structured approach to this new way of selling. We guide the integration with existing sales projects and provide input that connects with the needs of both the sales team and the customers. We do this personally, measurably (SSI) and with a proven result.

Why Tricycle Europe

About us

We train and coach B2B professionals in the adoption of moving from act social to be social and to how to let tools such as LinkedIn Sales Navigator optimally work to their advantage.

We are LinkedIn certified and work exclusively with LinkedIn-trained, native-speaking coaches because knowledge of a culture works to everyone s advantage. From our Amsterdam location, we work in English, German, Dutch, Spanish, French and Italian, and we serve more than 44 countries in Europe, the Middle East and Africa.

Our Social Selling program guides organizations in the switch to this new way of approaching structured selling. We guide the integration with existing sales projects and provide input that connects with the needs of both the sales team and the customers. We do this personally, measurably (SSI) and with proven results (Microsoft: 38% more opportunities).

Social Selling is a journey
Like it or not we’re all in sales now

Our team

We consist of a professional, LinkedIn-trained, international team. Native-speaking coaches work at Tricycle, so that we can train and coach sales employees and entrepreneurs from different cultures a bit more personally.


Top Business Intelligence Tools – 2017 Reviews & Pricing #best #bi #tools

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Business Intelligence Tools

What Is the FrontRunners Quadrant?

A Graphic of the Top-Performing BI Products

FrontRunners quadrants highlight the top software products for North American small businesses. All products in the quadrant are top performers. Small businesses can use FrontRunners to make more informed decisions about what software is right for them.

To create this quadrant, we evaluated over 200 BI products. Those with the top scores for their capability and value made the quadrant.

Scores are based largely on reviews from real software users, along with other product performance details (e.g. what features they offer, how many customers they have).

Is One Quadrant Better Than the Others?

Nope, Products in Any Quadrant May Fit Your Needs

Every product in this quadrant offers a balance of capability (how much the products can do) and value (whether they re worth their cost) that makes them stand out in the race for small business software success. Moreover, we ve homed in on products that offer the right set of capabilities for this market.

FrontRunners has four sub-quadrants:

  • Upper Right = Leaders: Leaders are all-around strong products. They offer a wide range of functionality to a wide range of customers. These products are considered highly valuable by customers.
  • Upper Left = Masters: Masters may focus more heavily on certain key features or market segments than Leaders do. If you need a more specialized set of functionality without bells and whistles, then a product in the Masters quadrant might be right for you.
  • Lower Right = Pacesetters: Pacesetters may offer a strong set of features, but are not rated as highly on value. For example, a Pacesetter might offer greater functionality, but cost more.
  • Lower Left = Contenders: Contenders may focus on a more specialized set of capabilities that are priced at a higher point. This makes them ideal for companies willing to pay more for specific features that meet their unique needs.

Depending on the specific needs of a software buyer, a product in any of these sub-quadrants could be a good fit.

Why? To even be considered for this FrontRunners, a product had to achieve a minimum user rating score of 3.8 for capability and 3.8 for value. This means that all products that qualify as FrontRunners are top-performing products in their market. Their positions in the quadrant are plotted relative to how their peers performed.

For some buyers, a specific FrontRunners quadrant might be best. For example, products in the leaders quadrant have very high ratings for both product capabilities and value provided to users. However, these products may use licensing schemes that are more expensive for small businesses than dashboard-focused vendors in the contenders and pacesetters quadrants, even though contenders and pacesetters such as Domo and Birst offer comparable functionality.

You can download the full FrontRunners for BI report here. It contains individual scorecards for each product on the Frontrunners quadrant.

How Are FrontRunners Products Selected?

Products Are Scored Based on User Reviews and Other Data

You can find the full FrontRunners methodology here. but the gist is that products are scored in two areas, Capability and Value.

To be considered at all, products must have at least 10 reviews and achieve minimum user rating scores. They also have to offer a core set of functionality for example, self-service visual analytics and custom dashboards.

From there, user reviews and other product performance details, such as the product’s customer base and the features it offers, dictate the Capability and Value scores. Capability is plotted on the x-axis, and Value is plotted on the y-axis.

Got It. But What if I Have More Questions?

Check Out Our Additional Resources!

For more information about FrontRunners, check out the following:

  • Check out the FrontRunners frequently asked questions (FAQ) for more detailed answers and information about how it works.
  • Check out the complete FrontRunners methodology to understand the scoring.

Have questions about how to choose the right product for you? You re in luck! Every day, our team of advisors provides (free) customized shortlists of products to hundreds of small businesses.

  • Simply take this short questionnaire to help us match you with products that meet your specific needs.
  • Or, talk to one of our experienced software advisors about your needs it s quick, free, and there s no-obligation by calling (844) 687-6771.

One Last Thing How Do I Reference FrontRunners?

Just Follow Our External Usage Guidelines

Check out the FrontRunners External Usage Guidelines when referencing FrontRunners content. Except in digital media with character limitations, the following disclaimer MUST appear with any/all FrontRunners reference(s) and graphic use:

FrontRunners scores and graphics are derived from individual end-user reviews based on their own experiences, vendor-supplied information and publicly available product information; they do not represent the views of Gartner or its affiliates.

Runners Up

Providers listed as Runners Up were considered for inclusion in the quadrant, but were ultimately not included for one or more reasons: they did not have enough reviews; they did not meet the reviews score minimum; they did not meet the ultimate Value and Capability minimum scores; or they did not meet our functionality requirements for the market.

Business intelligence (BI) software has gained considerable traction since its introduction as “decision support systems” in the 1960s. Today, there are over 100 BI software companies selling some type of business intelligence tool. We put together this buyer’s guide to help buyers understand the market. In this guide, we’ll review:

What Is Business Intelligence Software?

BI software helps organizations organize and analyze data to make better decisions. This could include internal data from company departments as well as from external sources, such as marketing data services, social media channels or even macroeconomic information.

The BI market is growing rapidly because of the proliferation of data to analyze. Over the past few decades, companies that have deployed Enterprise Resource Planning (ERP). Customer Relationship Management (CRM) and other applications are now sitting on a mountain of data that can be analyzed. In addition, the growth of the Web has increased the demand for tools that can analyze large data sets.

One of the biggest trends in the BI market is the shift in software architecture and design to more user-friendly applications. These applications are now being used by business users not just IT staff to analyze particular sets of departmental data, including marketing, procurement, retail and Web data.

Common Features of Business Intelligence Software

BI software can be divided into three broad application categories: data management tools, data discovery applications and reporting tools (including dashboards and visualization software). In the next section, we’ll explain how these applications can help your organization’s decision-making process become more data-driven.

What BI tools you need depends on how your data is currently managed and how you would like to analyze it. For example, if it is currently scattered across disparate transactional databases, you might need to build a data warehouse to centralize it and invest in data management tools that offer Extract, Transform and Load (ETL) functionality to move and re-structure it.

Once data is given a common structure and format, you can invest in data discovery solutions such as Online Analytical Processing (OLAP), data mining and semantic or text mining applications, with the capability to create custom, ad hoc reports. And because information is stored within the warehouse, users can quickly pull reports without impacting the performance of the organization s software applications, such as CRM, ERP and supply chain management solutions.

We ve illustrated this concept in the image below:

But this isn t the only way to implement BI within your organization. If you re only analyzing data from a single source, ETL and data warehouses are unnecessary. Alternatively, you might require multiple warehouses, and thus, require different tools to connect data between both these servers and other BI applications that need access to this data.

We’ll cover these in detail in the next section, but in general, the features you should seek in a new BI solution should include:

  • Data quality management
  • Extract, transform and load (ETL)
  • Data mining
  • Online analytical processing (OLAP)
  • Predictive analytics
  • Semantic and text analytics
  • Visualizations
  • Dashboards
  • Report writers
  • Scorecarding

Top Business Intelligence Tools

This table will help you understand some of the top BI tools available on the market today.

BI Tools Comparison


New Singapore HQ for Aliyun underpins Alibaba s cloud push #business, #technology, #asia #news, #microsoft

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New Singapore HQ to underpin Alibaba s cloud push

ChinaFotoPress | ChinaFotoPress via Getty Images

An exhibitor looks at Alibaba s Aliyun.com device in Beijing, China.

Alibaba’s cloud computing arm has picked Singapore as the site for its new data center, as well as the headquarters of its overseas business, in a move to bolster the Chinese e-commerce giant’s international expansion.

Speaking to CNBC ahead of the official launch on Wednesday, Ethan Yu, vice president of Aliyun, Alibaba’s cloud computing business, described the new facility in Singapore as a “strategic” center that could give the cloud division an edge in face of stiff competition from U.S. cloud giants such as Amazon Web Services (AWS) and Microsoft.

“I think we are still on a learning curve in terms of [understanding] customer needs in different markets. Singapore’s [data center] is the most strategic and hopefully, will become the biggest we have outside China. This will definitely play a role [in helping] Aliyun to catch up with the top players,” he told CNBC by phone.

Earlier in July, Aliyun’s president Simon Hu told Reuters that the cloud division now had the technological maturity to challenge more established players, after focusing on the Chinese market in its first six years. Hu added that Aliyun’s goal was to “overtake Amazon in four years, whether that was in terms of customers, technology, or worldwide scale,” reported the newswire.

When asked how pivotal a role the Singapore headquarters would play in Aliyun achieving that goal, Yu said: “I would not comment about how long we will take to catch up, but we will definitely take sooner than three or four years to learn the needs of our customers and create value for them.”

While the cloud currently accounts for a very small part of Alibaba’s overall business, the unit has expanded from its humble beginnings as the internet behemoth’s in-house technical infrastructure into a fast-growing business that leases processing and storage space to small-and-medium internet businesses in China.

In the second quarter of 2015, Aliyun registered 106 percent year-on-year growth in revenue, generating $78 million in revenue for the New York-listed Chinese e-commerce behemoth.

While holding a 23 percent market share in its home market, Alibaba has set its sights on the cloud computing space beyond China, eager to tap into a market that according to researcher IDC could grow into a $100 billion industry by 2017.

In March, Alibaba opened a data center in Silicon Valley — its first on a hotly-contested U.S. turf. Three months later, it struck a series of global partnerships with the likes of U.S. company Equinix and Singapore telecoms giant Singtel. allowing it to use existing data centers built by its partners to push its own services.

The Hangzhou-based company also announced a $1 billion investment into Aliyun last month, which will help fund the Singapore data center – the company’s seventh. Aliyun has existing data centers in the Chinese cities of Hangzhou, Qingdao, Beijing, Shenzhen and Hong Kong.

The new Singapore facility, scheduled to open in September, aims to cater to the cloud computing needs of businesses, in particular mainland firms, investing in Southeast Asia, Aliyun said in a press statement.

Alibaba s push into cloud makes sense: Pro Monday, 8 Jun 2015 | 12:34 AM ET | 02:30

Apart from factors such as a bilingual environment, stable geo-political climate, abundance of highly-skilled talent, as well as a strong legal system and economy, Aliyun’s expansion into Singapore is also anchored on a “healthy demand for cloud services”, the vice president told CNBC.

“Many Chinese enterprises we serve have stepped out of China and come to Singapore. We are merely following them in choosing Singapore as a headquarter for our international business, while serving their cloud-related needs,” said Yu, who declined to say how much Alibaba invested in the Singapore facility or disclose how many people it would hire.

Asia’s massive potential in cloud is another factor that underpinned the move, Yu said.

“Asia is definitely a growing market – the potential is massive. For one, we see a clear route of outbound investments from Chinese firms into Asia mostly due to geography, common language and culture,” he added. “Hence, there is no reason why we shouldn’t follow our customers.”

Yu revealed that Aliyun was building a new portal designed to serve the different language and payment needs of businesses based in an economically and culturally-diverse region such as Southeast Asia.

“If you compare our strategy to some of our competitors, I think we are more flexible in terms of strategy [when we] go into different markets,” he said.

However, the establishment of a cloud base in this part of the world doesn’t mean that Alibaba is shifting away from other global markets, such as the U.S. Yu cautioned.

“When we say headquarters, we mean the company’s primary markets and the pure focus [of] our global business but it doesn’t mean that we are not focusing on other markets,” he told CNBC by phone.

“We already have one data center in Silicon Valley and we are building a second one very soon – that shows we remain aggressive in the U.S. market too. With these in [the pipeline], we are not stopping at Asia. we will do [the same] in Europe and U.S. in the future too.”

Last Wednesday, Alibaba announced revenue of $3.27 billion for the three months through June, up 28 percent from $2.54 billion a year ago, but below a Reuters’ forecast of $3.39. Shares fell as much as 8 percent to a record low of $71.03 after the earnings report.

The e-commerce giant has also been in the news headlines for mega deals, notably a $4.6 billion investment in Chinese electronics retailerSuning Commerce Group on August 11, as it attempts to integrate online and store-based shopping.

— Arjun Kharpal contributed to this report


What Does Mold Smell LIke? #what #does #mold #smell #like,does #mold #smell,mold #smell

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What Does Mold Smell Like

A very common question that we are asked by potential clients is What Does Mold Smell Like?

This is a very loaded question because each situation is different and people have different descriptions and senses of smell. To help answer this question, we feel that compiling a list of different ways we ve heard people describe how mold smells.

Hopefully the above descriptive words give you an idea of what mold can smell like. Each situation where indoor mold growth exists is different for a variety of reasons. The source of the water, where it enters, what it is growing on, and the environment it exists in will all be a factor in the smell that is produced. Whether the water is coming from a pipe, rain, condensation, or something else will all make a difference. If the point of entry is a roof, window, flooding, or other are all factors to answering this question.

There are also times where people have mold problems that the client does not say a strange smell is a symptom at all. Whether no smell is being given off or the client does not have a sensitive sense of smell towards mold is relative. We have definitely seen situations that there has been a serious problem but no indications of a bad smell were present.

The fact that these problems are so unique and don t have definitive indicators make it that much more important for a professional to assess the situation. Air and surface sample collection from a certified mold inspector like those working for MI T is the best option. Testing can see exactly what is going on even if a human s sense of smell or sight can not do the job.

If you smell something out of the ordinary in your home or business and are concerned that you may have a mold growth problem, give us a call for more information or to setup an appointment to have your property evaluated. MI T can be reached via email or telephone at 855-600-6653.

Last updated: June 29, 2013 at 22:13 pm by Eric R.

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Best Web Hosting Sites 2017 #web #hosting #for #developers

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Read The Best Web Hosting Sites For 2017 Here!

When it comes to web hosting, there are numerous options out there and they all have their pros and cons. Some offer unlimited domains, but severely limited bandwidth which can lead to downtime issues. Others are overpriced and offer few services for a very high price. The process of choosing the best web hosting sites for 2017 can be time consuming and somewhat intimidating, but that need not be the case. Indeed, there are five good web hosting companies competing for world customers that offer superior packages and ideal pricing. To know each of them completely, just spend a minute to read the whole 2017 best web hosting list below.

1. HostGator

  • Unlimited Disk Space Bandwidth
  • Free SiteBuilder
  • Easy Control Panel
  • 1-Click Script Installs
  • 4,500 Free Website Template
  • 99.9% Uptime Guarantee

2. HostMonster

  • Unlimited Hosting Space
  • Unlimited Site Bandwidth
  • Free Domain Forever
  • Host UNLIMITED Domains
  • Unlimited Pop/Imap Email Accounts
  • SSH Access (Secure Shell)

3. BlueHost

  • Unlimited Domain Hosting
  • Unlimited GB Hosting Space
  • Unlimited GB File Transfer
  • Free Domain Forever
  • Free Site Builder w/ templates
  • CGI, Ruby (RoR), Perl, PHP, MySQL

4. JustHost

  • Unlimited GB s of Space
  • Unlimited GB s of Transfer
  • FREE Domain for Life
  • Unlimited Domain Hosting
  • Unlimited MySQL Databases
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5. InMotion Hosting

  • Unlimited Disk Space
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  • 2 Websites on 1 Account

Who We Are

We are professional web developers who have found the highest quality hosting companies for you. We look for companies that make their hosting platform easy to use and reliable. We have found companies that guarantee satisfaction and live up to that guarantee. You can be confident that all of them are the best web hosting companies in their class for 2017.

How We Evaluate Hosts

We seek out hosting companies that make their hosting platform easy to use and reliable. We have done our due diligence to find the best companies. By speaking with each hosts staff and sales members we learn more than what is presented in their marketing material. We have hosted web sites on each company s hosting servers and experience their platform first hand. We extensively utilize their adminstrator interface (cPanel), uncover their redundancy systems, and find out each hosts systematic software and hardware upgrade approaches.

We call each company s technical support staff to help us solve the same pre-determined self-inflicted test problems and measure their level of effectiveness, friendliness, and knowledge. We read their help documentation and use their GUIs to perform basic and complex web master administrative tasks.

We can say with confidence that the top 5 best web hosting sites listed here really deliver the best services for the customers. We have evaluated over 40 companies and will continue to update our list as we examine more. If you have any question, feedback or even suggestion with our best web hosting 2017 sites list, never hesitate to contact us. We ll be glad to hear from you.

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Best Web Hosting Reviews – Ratings of 2017 #best #free #web #hosting #for #wordpress

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Best Web Hosting Reviews Ratings (2017)

#1 iPage – for Starting Your First Website

If you are new to web hosting and website building, but looking to build your own website, iPage could be the best choice for you. Their website builder will help you to make a website fast and easy, without the need of knowing any programming language.

#2 BlueHost – for WordPress Users & Bloggers

If you are looking for a reliable hosting service for your WordPress blog or website, BlueHost could be a good option to consider. Beside their shared hosting plan, that offers one-click WordPress installation, the company also has WordPress optimized hosting plans, as well VPS and Dedicated plans, having the option to easily upgrade as your website grows.

#3 InMotion – for Serious Business Websites

If you are planning to create a professional website for your business, InMotion is the way to go. The company offers a wide range of hosting plans, from shared through VPS to dedicated hosting. Their servers are built to provide the best performance and speed for your website.

How to Start a Blog?

Why InMotion is my favorite hosting provider?

I have been hosting with InMotionHosting since 2009 and have never had any major problems with my websites. Certainly InMotion is not perfect, they also have technical problems like any other hosting provider, however the technical and support team is always focused and issues are solved quickly.

They may be more pricy and may have some limitations compared to the competition, but this allows them to not overcrowd servers, resulting in better website performance and speed. I also like InMotion hosting because they are good for beginners as well for advanced users, offering the options to easily upgrade or downgrade hosting packages.

About my web hosting experience

I have been building websites since 2007. During all these years I had the chance to work with lots of different hosting providers. I have never worked for any of these companies, and not planning to. I’m a web developer, I create websites and not hosting infrastructure, however I have a clue about web hosting as well. I know that web hosting is the fundament of any website, as in case of a building, if the fundament fails, the building will fall. I know how frustrating is to work with a hosting company that has a poor support or unreliable servers. I have seen a lot and have switched hosting providers several times.

Now, as a webmaster and developer, I’m managing many websites, hosted with various hosting providers. This gives me the ability to continuously test these companies and to be up to date with the latest news.

Why negative reviews are beneficial?

I’m a person who things positively, and I dislike negativity in general. But why should we only talk about good and positive things, while bad things are happening every day? Why should I hide the fact that the hosting provider I use to recommend to my clients (LunarPages) has deleted all my websites and have been waiting for more than 7 days to get a reply? So on this website, I’m not getting picky with each and every host, but I will tell if a hosting company is bad, so webmasters and customers like you to find out which hosts to avoid at all cost.

Don t rely only on my hosting reviews, check BeHosted or other related websites, where you can find useful information about different hosting companies and services.

Are my hosting reviews reliable?

After all, you don’t know me, so why should you trust me at all? Why should you believe what I say about any hosting provider? Am I recommending these companies only to make the sale and receive a commission?

As you may notice, on the top of this page I disclose the fact that I’m making money through this website and I’m affiliated with some of the companies I review. This means, if someone buys hosting service using my affiliate links, I will receive a small commission from that hosting provider. You should also note that my reviews or rankings are not based on the amount of commission I receive, these reflect my personal opinion and experience only. In fact I do not recommend some providers who are paying the highest amount, due to the fact, that they provide poor service and customer support.

You are not obligated to sign up through my affiliate links, you can access each company’s website directly to purchase the service; however if you find my website useful and want to support me paying for my web hosting and writing new guides, I highly appreciate your effort.

Back to the point: my hosting reviews are honest and truthful, I would never recommend a company that I don’t use or used before; I will never tell you about a poor hosting firm to sign up with.

If you have any questions regarding my website, or my reviews, or have any suggestion on how to make it better, or want to share you experience about a hosting company or just want to say hello, please contact me.

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24 Mechanical Engineering Master s degrees in Canada #mechanical #engineering #degrees #online

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Study Mechanical Engineering in Canada

Studying Mechanical Engineering

Mechanical engineering deals with the design or redesign of mechanical and thermal devices or subsystems, using analysis and computer-aided design. A mechanical engineer is responsible for finding efficient solutions to the development of processes and products, ranging from small component designs to extremely large plant, machinery or vehicles.

Is Mechanical Engineering the right study option for you?

Studying in Canada

Canada has one of the strongest economies in the world, and Canadians enjoy a high standard of living, as well as an internationally renowned university system.

Are you sure you can handle the weather in Canada?

Testimonial Registration Module

Below is a selection of the available study options in Canada. If you’re interested in studying Mechanical Engineering in Canada you can view all 24 Masters programmes. You can also read more about the Mechanical Engineering discipline in general, or about studying in Canada. Many universities in Canada offer study programmes taught in English. Before starting a programme, you need to have a basic knowledge of the English language. Assess your level of English by taking the IELTS language test.

24 Mechanical Engineering Master’s degrees in Canada

The Faculty of Engineering and Applied Science at Memorial University offers thesis-based graduate programs leading to master of engineering (MEng) and doctor of philosophy (PhD) degrees in Mechanical Engineering.

The graduate program in the Department of Mechanical Engineering at the University of Manitoba is well recognized amongst Mechanical Engineering Departments across and outside Canada.

The course based Master of Engineering – Mechanical Engineering (Automotive Option) will prepare graduates for leadership positions within the automotive and manufacturing industries. You will study and live in Canada for approximately 16 consecutive months and take a variety of topics through eight prescribed courses. These courses are selected by academic administration and will vary from year to year.

Mechanical engineering emerged during the industrial revolution and continues to expand and evolve to encompass advancements in current technology. The basic role of mechanical engineers is to design, produce and use mechanical systems to control and transform energy.

The MASc and MEng programs allow students to study the broad areas within Mechanical Engineering, or specifically focus on either of the following fields: Design, Energy and Thermofluids Engineering, or Mechatronics and Manufacturing Engineering.

Graduate Studies in the Department of Mechanical and Materials Engineering at Queen’s University.

Tuition Fee Preferences