The Bottom Line on the 6 Pillars of Flawless Execution

first_imgIdeas are easy. Execution is difficult. Much of the time, extremely difficult. Whether you are trying to stand up a high-performing sales organization or an operation that serves clients, execution comes with a set of challenges of its own. Without structure and a few disciplines, you make performance difficult at best, impossible at worst. If you want flawless execution, these six pillars will provide you with structure and a guide to making improvements.Goals and OutcomesNo one can hit a target they can’t see. Execution starts with goals and outcomes. If you are a sales organization, performance might start with goals around acquiring your dream clients with a certain amount of revenue as the outcome. Without goals and outcomes, people give their attention to things that aren’t important or don’t contribute to your desired results.The first challenge of execution is clearly defining your goals and outcomes. This first pillar is what provides people with a sense of mission and direction. It guides their efforts towards the goals and outcomes. As a leader, every conversation is an opportunity to speak to your purpose, your goals, your results, and why they are essential.Operating Plans and DirectivesThere is always more than one way to do something. What’s most important is that you reach your goal and produce the outcomes that would rise to the level of flawless execution. Your goals and outcomes, however, will require that certain things are done in a specific manner for you to execute flawlessly.If you lead a sales organization, it’s vital that you acquire and win new opportunities, but it may matter very much how you approach that goal or outcome. If you are high trust, high value, and high caring, a transactional approach breaks your model. If you create a compelling, differentiated level of value as a way to flawlessly execute, you can’t also compete by having the lowest price.Your operating plans and directives provide guide rails for people to observe. In sales, your processes and methodologies provide operating procedures and directives. In the military, there is a concept called mission command. Mission command means the leader expresses their intent and establishes the operation plan and guidelines, providing guidance, but leaving room for people to improvise if necessary.KPIs and MetricsFlawless execution is impossible without key performance indicators and metrics. You must have a way to measure your results that provides both leading and lagging indicators. The mistake some leaders make is focusing on the lagging indicators, ignoring the leading indicators, eliminating the opportunity to make adjustments before they fail to execute.Leading indicators provide information about what your future holds. As a sales leader, you need key performance indicators and metrics that tell you how many new opportunities your team created, the value of those opportunities, and the likelihood of winning those opportunities. Even though it is out of fashion to look at activity, things like client meetings and proposals are still useful leading indicators.Lagging indicators provide you with a scorecard of how you are progressing towards your goals and outcomes. Leading indicators allow you to make adjustments that improve future lagging indicators.AccountabilityAll of the pillars here are critical to flawless execution, and most leaders are better on some than others. But if there were one you might point to as being most commonly breached and most detrimental to execution, you couldn’t do better than accountability. Where accountability is missing, execution is impossible.The leader is responsible for delivering their goals and outcomes. Those who work for that leader are responsible for their team’s portion of those goals and outcomes. The individuals that make up those teams are accountable for the results that deliver their contribution. If you would have flawless execution, there can be no breakdowns in this cascading chain of accountability.CommunicationTeams that execute flawlessly communicate. They talk to each other, sharing information and creating a feedback loop that allows them to make adjustments to what they are doing. Whether the communication is a stand up meeting each afternoon, a morning huddle, or a weekly review meeting, they communicate with each other and provide information.Without communication, execution suffers. In cultures that are not built on execution, people work without communicating with their teams. Because they don’t communicate, problems aren’t surfaced, failures up and downstream persist, and performance suffers. When conversations and challenges are difficult, people may want to avoid communicating, especially in political environments. But without communication, teamwork suffers—as does execution.Troubleshooting and AdjustingExecution isn’t easy, which is why flawless execution is so rare. Operating plans and directives rub up against a reality that pokes holes in your strategy and approach. Over time, things break down. Sometimes, one of the pillars on this page needs massive improvement. Whatever the case, you need to troubleshoot your approach and make adjustments. When something isn’t working, working harder isn’t the answer, unless the problem is that you need to work harder.Success in reaching your goals is never a straight line. It will be necessary that you look carefully at what you are doing that needs to change and make the adjustments that will allow you to produce the results you need. Get the Free eBook! Learn how to sell without a sales manager. Download my free eBook! You need to make sales. You need help now. We’ve got you covered. This eBook will help you Seize Your Sales Destiny, with or without a manager. Download Nowlast_img read more

Asian Games: India wins swimming medal after 24 yrs

first_imgIndian swimmer Virdhawal Khade clinched a bronze medal in the 50 metre butterfly event at the ongoing 16th Asian Games in Guangzhou on Tuesday.Chess: Harika wins bronze India gets gymnastics bronze Khade thus became the first Indian since 1986 to win a swimming medal as the country’s only medal so far was claimed by Khajan Singh 24 years ago. India’s fastest swimmer clocked 24.31 seconds to notch the first swimming medal of the Guangzhou Games for India. He was the lone Indian swimmer to qualify for the event even as the rest of his compatriots continued to disappoint. The other Indian in the fray Anshul Kothari failed to finish in the final eight. Khade had on Monday missed a medal in the 50 metre freestyle as he could manage only the fourth spot clocking 22.87, just 0.03 seconds behind the bronze medal winner Japan’s Rammaru Harada.last_img read more

KXIP’s Sandeep Sharma fined for showing dissent

first_imgKings XI Punjab pace Sandeep Sharma. File Photo   –  PTI × cricket May 08, 2017 SHARE SHARE EMAIL Kings XI Punjab pace Sandeep Sharma has been fined 50 per cent of his match fee for showing dissent at an umpire’s decision during his team’s IPL match against Gujarat Lions at IS Bhindra Stadium here.According to a statement from the organisers, Sharma admitted to the Level 1 offence 2.1.5 of the IPL Code of Conduct for Players and Team Officials and accepted the sanction, as such there was no need for a formal hearing.For Level 1 breaches of the IPL Code of Conduct, the match referee’s decision is final and binding.The incident took place in the fifth over of the Gujarat Lions innings last night with Sandeep bowling his third over.The bowler decided to switch to round the wicket and umpire A Nand Kishore called a no-ball as he believed that the bowler did not inform him of the change.This led to a heated confrontation between Sandeep and the umpire, with skipper Glenn Maxwell also expressing his displeasure over the decision. SHARE Published on The incident took place in the fifth over of the Gujarat Lions innings last night with Sandeep bowling his third over. IPL 2017 Kings XI Punjab pace Sandeep Sharma. File Photo   –  PTI COMMENT COMMENTSlast_img read more

Faf du Plessis plays down South Africa’s World Cup chances: England, India are favourites

first_imgSouth Africa captain Faf du Plessis picked hosts England and 2011 champions India as the title favourites for this year’s Cricket World Cup and said his side will go into the tournament with lowered expectations, which could work to their advantage.South Africa’s World Cup adventures have often ended in unfortunate circumstances – including falling foul of an unfair rain rule, misreading the Duckworth-Lewis run-rate requirement, or comical run outs at the death.Four years ago they seemed to have one foot in the final until New Zealand pipped them in a thrilling semi-final by belting a six off the penultimate ball of the match.Such results have led to South Africa being labelled ‘chokers’ at the 50-over event, and in turn has lowered their expectations for the 30 May to July 14 tournament.”We will go with a little bit less pressure on us as a team in terms of the expectation of winning it,” Du Plessis, who team are ranked fourth in the ODI standings, said on Tuesday.”It is pretty clear that England and India are the two favourites.”We are a young group and the guys are just excited about the opportunity.”However, Du Plessis is aware that South Africa will still have to deal with a lot of hype in the run-up and during the tournament as well as the narrative of their past failures.”We have gone to tournaments in the past where we have felt like we had the strongest team on paper, but cricket is not played on paper,” he said.advertisement”When opponents look at us now, we are not the strongest team. But when a South Africa team goes to the World Cup, the chat in the media starts, even the opposition starts to chat!” MENTAL CHALLENGEDu Plessis believes managing the mental side will be key for his squad, which is expected to include 10 debutants.”I remember going through the process of the previous World Cup (in 2015),” he said. “Going through the hurt of putting in so much time and energy into trying to win a trophy, and by the end you are absolutely shattered.”Yes, all of us badly want to win a World Cup but for me as a captain, it is very important to make sure that players don’t try to be supermen to win.”I have felt like we have been guilty of that in the past … and that expectation can (put) a lot of weight on your shoulders.”They just need to go there and be the best they can be.”The World Cup will be played in a round-robin format with all 10 nations pitted against each other in the first round and the top four teams advancing to the semi-finals.South Africa open their campaign against England at The Oval on May 30.Also Read | Have learnt my lesson: Sarfraz Ahmed after 4-match suspension for racist tauntAlso Read | Sanjay Manjrekar highlights England’s flawed approach. Michael Vaughan respondsAlso Read | Virat Kohli is an unbelievable player: Tom Curranlast_img read more

Deepika Padukone: Took up 83 as I have seen my mother support my father

first_imgDeepika Padukone upcoming film Chhapaak is very close to her heart. The actress, in fact, turned into a producer for the film. Chhapaak, which is directed by Meghna Gulzar, is based on the life of acid attack survivor Laxmi Agarwal.Apart from Chhapaak, Deepika will star in 83. The actress will play the role of Kapil Dev’s wife Romi Bhatia in the film. Deepika’s husband Ranveer Singh is playing the role of Kapil Dev in the film.The Love Aaj Kal actress can connect to her role in 83 as she herself comes from a sports background. Like Kapil Dev, Deepika’s father, Prakash Padukone, former Indian badminton player, is also one of the renowned faces of the sports fraternity.In a recent interview with Asian Age, Deepika opened on why she chose to portray Romi Bhatia’s character on the big screen. “I play the role of Romi Dev, wife of Kapil Dev in the movie and she was instrumental in Kapil Dev’s success, especially when he was the captain. She was part of the support system and I feel connected to that. I always feel that in an athlete’s life the wife and family sacrifice a lot of their own dreams to support the vision of the athlete, the goals that they set and they end up sacrificing their own career. I have seen it in my own family. My mother had been supportive to my father in his career. I think to see the human side, to see what an important role family play in success of athlete I took up this role,” she said.advertisementThe film 83 essays Kapil’s captaincy in leading the Indian cricket team to defeat the West Indies in the World Cup final in 1983. The film is directed by Kabir Khan and produced by Reliance Entertainment.Talking to the daily, Deepika also opened up on her role in Chhapaak. She said, “I have chosen this film because I found the narrative interesting. I found the story compelling. The story of acid attack survivor Laxmi Agarwal required to be told. There was a connection between her grit and determination and human spirit. I have chosen it in the same way as I would have chosen any other film.”Deepika got deeply engrossed in her character Malti in Chhapaak. In an earlier interview with Mumbai Mirror, Meghna revealed all that went for Deepika to prepare for the role of Malti in the film. She said, “There is Malti, and then there is Deepika who became Malti. Malti’s presence on screen reflects the expression in Deepika’s eyes and on her face which comes through the prosthetics. For me, Malti is Deepika and Deepika is Malti.”It took months for Meghna to decide on Deepika’s look in the film, she was working on it since September. “I didn’t want people to watch this film with their eyes shut, the idea was not to create Laxmi’s face on Deepika but something that would be Deepika’s face had it been scarred the way Laxmi’s was.”Also Read | Deepika Padukone on playing Ranveer Singh’s wife in 83: This isn’t coming from a personal equationALSO READ | Will Deepika Padukone play Ranveer Singh’s wife in 83?ALSO READ | Kapil Dev on Ranveer Singh’s 83: India was not ready to make sports films 20 years agoALSO READ | 83: Ranveer Singh to live with Kapil Dev in Delhi for 10 daysALSO WATCH | Ranveer Singh makes Delhi dance to Gully Boy at India Today Conclave 2019last_img read more

Man Utd January transfer news LIVE

first_imgTransfers Manchester United January transfer news LIVE: Alexis agrees £14m-a-year Man Utd contract Goal Last updated 1 year ago 00:00 1/18/18 FacebookTwitterRedditcopy Comments(0) Transfers Manchester United Premier League Goal brings you all the latest news, rumours and deals related to the Red Devils as the January transfer window heats up Alexis agrees £14m-a-year Man Utd contractAlexis Sanchez has agreed a deal worth £14 million a year after tax to sign for Manchester United on a contract until the summer of 2022, claims the Daily Telegraph .  United appear to have won the race to sign the Arsenal attacker after Manchester City ended their interest in the Chile international, who is out of contract at the end of the season.Jose Mourinho’s side are now waiting on Henrikh Mkhitaryan to accept a move to Arsenal before finalising the capture of Alexis on a four-and-a-half year contract. Editors’ Picks Lyon treble & England heartbreak: The full story behind Lucy Bronze’s dramatic 2019 Liverpool v Man City is now the league’s biggest rivalry and the bitterness is growing Megan Rapinoe: Born & brilliant in the U.S.A. A Liverpool legend in the making: Behind Virgil van Dijk’s remarkable rise to world’s best player Man Utd consider Darmian saleMatteo Darmian Manchester UnitedManchester United could sell Matteo Darmian in the January transfer window, with AC Milan and Valencia both showing an interest, reports The Independent . Darmian, who can play at right or left-back, has been unable to secure a regular starting spot at United, who are open to letting him go this month.According to , meanwhile, Juventus are keen on a summer deal for Darmian amid suggestions United could use the Italy international as part of a bid to sign Alex Sandro.Arsenal players want Alexis goneAlexis Sanchez ArsenalArsenal’s players want the Alexis Sanchez transfer saga to be resolved before their game against Crystal Palace on Saturday, reports the Evening Standard . Manchester United are hoping to conclude a deal for Alexis after Manchester City pulled out of the race, although it appears to hinge on Henrikh Mkhitaryan agreeing to move in the opposite direction .Speaking after Arsenal’s defeat at Bournemouth on Sunday, Arsene Wenger stated he was expecting Alexis’s future to be decided within 48 hours .However, with no resolution reached, the Arsenal are squad are determined to see the Chilean on his way before their next match at home to Palace at the weekend.Barca start Umtiti contract talksSamuel Umtiti BarcelonaBarcelona have told Samuel Umtiti and his representatives of their intention to reward the defender with a new contract, according to Mundo Deportivo . Umtiti’s current deal runs until 2021, but his €60 million release clause has led to reports of interest from Premier League rivals Manchester City and Manchester United.That has prompted Barca to take steps to remedy the situation, although the France international is happy to wait until the end of the season before negotiating a renewal.Alexis had Man City concernsAlexis Sanchez, ArsenalAlexis Sanchez was worried about Pep Guardiola’s rotation policy before Manchester City pulled out of a deal to sign the Arsenal forward, reports the  Manchester Evening News . City have scrapped long-held plans to bring in the Chile international and Goal understands Sanchez’s agent Fernando Felicevich going back on his word was a key factor in the decision .However, though Sanchez was keen to work with his former Barcelona coach Guardiola again, he was concerned about how much playing time he would get with the Premier League leaders.Manchester United are now hoping to finalise a deal for Sanchez, who is out of contract at the end of the season, with Henrikh Mkhitaryan expected to head to Arsenal.Goretzka agrees Bayern deal Bayern Munich have won the race to sign Leon Goretzka after agreeing a deal for the Schalke midfielder, according to Sport Bild . Goretzka is out of contract at the end of the season and was reportedly a target for the likes of Barcelona, Liverpool, Manchester United and Real Madrid.However, Bayern have convinced the Germany international to stay in the Bundesliga, with Goretzka to sign a deal at the Allianz Arena, subject to passing a medical after recently suffering from a lower leg injury.Mkhitaryan wants to be Arsenal’s highest earnerHenrikh Mkhitaryan 2017Henrikh Mkhitaryan wants to be the best-paid player at Arsenal as part of the swap deal between the Gunners and Manchester United for Alexis Sanchez, according to the Daily Record . As reported by Goal , the deal is already being held up over contract payments on the United end , and there are now apparently further complications with the Armenian demanding big money at Emirates Stadium.Aleix could clinch Liverpool or Man Utd moveAleix Vidal Barcelona 2017Barcelona’s Aleix Vidal could seal a Premier League move in the current window after interest from Sevilla cooled, according to  Estadio Deportivo .Vidal has found himself pushed down the pecking order this season behind Sergi Roberto and Nelson Semedo. And while Sevilla have been put off a loan move by what they deem an excessive purchase option, talks are still in place with Liverpool and Manchester United.Mourinho pressures Man United to keep FellainiMarouane Fellaini Manchester UnitedManchester United boss Jose Mourinho is insistent that Marouane Fellaini must stay at Old Trafford, reports the  Sun .Fellaini is reportedly keen to seek a new club and is holding out on signing a new contract. But the manager is desperate to keep him, and has told the United board to pull out all the stops to ensure he stays put.Conte won’t ‘waste words’ on AlexisAlexis Sanchez Antonio Conte Arsenal ChelseaAntonio Conte is refusing to comment on reports that Chelsea could swoop in for Alexis Sanchez in the current transfer window.”I like to [only] talk about a situation that could be real. You understand?” Conte said to reporters at Cobham Training Ground.“Now, this is not important to talk about Sanchez. Not important. Because he’s not our problem, so why do I have to waste words on nothing.”Read the full story here! Mourinho close to Man Utd contract extensionJose Mourinho Manchester UnitedJose Mourinho is nearing a new contract as Manchester United manager, according to the Daily Mirror .The 54-year-old’s current £15 million-a-year deal runs out in 2019. But talks are in progress over extending his stay to 2021, which if fulfilled would mark the first time in his career that Mourinho has stayed at a single club for more than three seasons.last_img read more

Omar Abdulrahman and Ali Mabkhout receive bans

first_imgOmar Abdulrahman Omar Abdulrahman and Ali Mabkhout receive bans Mohammed Fayad Last updated 1 year ago 17:24 1/24/18 FacebookTwitterRedditcopy Comments(0) UAE qualify for Gulf Cup Final Four-match bans for two of UAE’s best footballers Omar Abdulrahman and Ali Mabkhout have been on the receiving end of a four-match ban, subject to appeal, after confirmation of their escape from the UAE team’s hotel and breaking their curfew, the night before losing to Oman in the Gulf Cup Final.The UAE Football Association immediately investigated after the rumours emerged on the day after the final defeat, and it was found out that the duo exited the hotel at night alongside the injured full-back Mohamed Fawzi, who would receive a lesser punishment due to his unavailability for the match.UAE qualify for Gulf Cup Final Editors’ Picks Lyon treble & England heartbreak: The full story behind Lucy Bronze’s dramatic 2019 Liverpool v Man City is now the league’s biggest rivalry and the bitterness is growing Megan Rapinoe: Born & brilliant in the U.S.A. A Liverpool legend in the making: Behind Virgil van Dijk’s remarkable rise to world’s best player Abdulrahman and Mabkhout, in addition to their domestic bans, were fined Dh50,000 each while Fawzi only received a warning and a fine of Dh40,000. These punishments have led to outrage from club fans, who have asked why national team issues are affecting the club.Moreover, all three players tweeted their defences, and claimed that they would defend their rights against the “rumours” that were released against them.last_img read more

UTech Students Giving Back To Society

first_img Students of the University of Technology (UTech) have given more than one million hours of service to the nation through community programmes over the past 20 years, and have donated millions of dollars to selected needy institutions.This year, the students have again committed to the decades-old tradition of assisting various national charity organizations through the staging of the annual fund-raising project – Tag Drive.Initiated by the Students’ Union in 1950 to raise funds for needy institutions, Tag Drive has continued uninterrupted since that time. The target this year is $3 million.Underscoring the university’s commitment to service, President of UTech, Professor Errol Morrison, cited the man-hours given to the projects.“Calculated roughly, 2,000 new students a year (giving) 40 hours, that’s already 80,000 hours per year for 20 years. You’re talking about 1.6 million hours of service that our student body, in particular, has been contributing to society and its development.  It is humungous,” he said.Speaking to students, faculty members and sponsors at the recent launch of the 53-year-old Tag Drive at the Papine campus, Professor Morrison noted that the work of the Students’ Union over the years has impacted the society.He outlined the genesis of the service ethos of the university over the years, informing that for more than 20 years, first year students have been required to give 40 hours of community service, following completion of which they are awarded an academic credit.Professor Morrison said he has challenged the Department of Community Service and Development to begin to quantify what those hours of service mean for social development in Jamaica.He said that the experiences garnered by the students in community projects will prepare them for social and civic responsibilities.“This kind of training that you are undergoing in your student body, where you have developed this society consciousness, is an important beginning for many of you who are going into the world. I really feel proud to be associated with your Tag Drive,” the President said.Meanwhile, commendations have come from other sections of the university’s administration for the dynamism and vision displayed by the students in the programme.“This effort indeed is a noble one and the university’s administration sincerely hopes that the venture in 2013 will be the most successful, and as a result the Students’ Union will receive more than enough funds to give to as many organizations as it desires this year. Congratulations on your tenacity and drive to continue this proud tradition,” Students’ Relations Officer, Mrs. Denise Brown Bell, said.UTech’s Director of Community Service and Development, Seymour Riley, is also elated that the students have maintained the strong tradition of the university, and expressed  the hope that the students will continue with the spirit of volunteerism as they go out into the wider world.For his part, Director of Community Service in the Students’ Union, Jerome Graham, is seized with the group’s mission of making an impact on Jamaica.“We at UTech Students’ Union are trying to make a national mark, when it comes to giving back to the nation, and building our nation. That is why we see it fit to channel our resources and our hearts to organizations that are in dire need,” he said.Tag Drive, which runs from November 10 to 16 will involve 3,000 students from the Papine and Montego Bay campuses. The activities include Toll Day, Tag Fashion and Dutch Auction, Car Wash and Jerk Day, Corporate (Area) Drive, and Rural Drive.Among the institutions that will benefit are the Salvation Army School for the Blind and the Jamaican Association on Intellectual Disabilities (JAID).Tag Drive is sponsored by the Jamaica Information Service, Wray and Nephew, Reggae Jammin, Supreme Ventures, Pepsi, Jimmy Buffet’s Margaritaville, Zip 103FM and Crown Packaging. Story Highlights Department of Community Service and Development to quantify what those hours of service mean for social development. Initiated by the Students’ Union in 1950 to raise funds for needy institutions, Tag Drive has continued uninterrupted since that time. UTech students have given more than one million hours of service to the nation.last_img read more

What the government shutdown means for your mortgage

first_imgThe partial federal government shutdown is complicating the already complicated process of getting and managing a mortgage. For one thing, the political storm is like severe weather at a major airport: You can expect minor delays or worse. Also, it could mean financial hardship for some federal government employees facing mortgage payments without their regular paychecks.Here’s how the shutdown is affecting homebuyers and homeowners — and what you can do about it.IF YOU’RE GETTING AN FHA, VA OR USDA LOANIf you’re getting a Federal Housing Administration or Department of Veterans Affairs loan, it’s likely you can expect delays in the underwriting process, and it’s possible your closing date will be pushed back as well.There’s good news for most FHA-qualified homebuyers: Single-family FHA loans are being funded, even during the shutdown. FHA home equity conversion mortgages (known as reverse mortgages) and FHA Title I loans (financing for permanent property improvements and renovations) are the exception — and won’t be processed during the shutdown. The processing of VA loans will continue, according to the Mortgage Bankers Association, but you may have to wait.Support staff at the VA and at the Department of Housing and Urban Development who handle underwriting or entitlement questions “are unavailable, so FHA/VA borrowers may experience delays,” says Ted Rood, a senior loan officer in St. Louis.Because of the shutdown, VA and FHA spokespeople weren’t available to provide an estimate of how many borrowers could have their loans delayed. But the most-recent data suggest delays could potentially affect thousands of borrowers.In January 2018, the FHA insured mortgages for 64,401 single-family homebuyers — of those, 82 per cent were first-time buyers. The VA doesn’t report loan guarantees by month, but it guaranteed 148,379 loans in the first three months of 2018, or nearly 50,000 a month.The U.S. Department of Agriculture isn’t approving new USDA loans during the shutdown. According to USDA data, the department guaranteed or made about 10,000 single-family loans each month in the most recent fiscal year that ended in September.IF YOU’RE SEEKING A CONVENTIONAL LOANMost mortgages are considered conventional loans, meaning they aren’t backed by the federal government. However, they are facilitated by government-sponsored enterprises, such as Fannie Mae and Freddie Mac.As private companies, Fannie and Freddie aren’t directly affected by the shutdown. Mortgage processing is continuing as usual, except in cases where the federal government provides information required for underwriting.“The IRS has not been processing 4506-T tax transcripts — tax return verifications — which are required on most files, although that service is restarting,” Rood says. “There will still be a backlog due to requests that have been piling up since Dec. 22.”Self-employed borrowers are particularly affected by the lack of access to federal income tax transcripts. Some lenders may accept signed tax returns in lieu of transcripts.And the shutdown could also stall verification of employment for government employees.IF YOU NEED FLOOD INSURANCEGetting flood insurance if you’re buying in a flood-prone area shouldn’t be a problem despite some earlier troubled waters.The Federal Emergency Management Agency announced on Dec. 28 that it would resume selling and renewing flood insurance policies. That reversed a Dec. 26 decision to suspend policy sales and renewals during the partial shutdown.“This new decision means thousands of home sale transactions in communities across the country can go forward without interruption,” National Association of Realtors President John Smaby said in a press release.IF YOU OWN A HOME BUT AREN’T GETTING PAIDIf the lack of a paycheque has you worried about paying an existing mortgage on time, contact your loan servicer immediately. Explain your situation and ask about alternatives.One common option is forbearance, an arrangement designed to help homeowners during periods of financial hardship. Forbearance temporarily reduces or suspends your mortgage payments while money is short. For example, Wells Fargo and LoanDepot list forbearance on their websites, though cases are approved on an individual basis.A short-term loan that makes up for missed pay is another possible option. Navy Federal Credit Union, for example, is offering one-time zero per cent APR loans of up to $6,000 for federal employees and active-duty members of the Coast Guard who typically use direct deposit for their paychecks.Talking with your lender before you miss a payment could keep your credit score from suffering a hit.“We will work with each customer individually and can help with things such as late fees and not reporting to the credit bureau,” Tom Kelly, a JPMorgan Chase spokesman, said in an email.IF YOU’RE CONSIDERING A MORTGAGE RATE LOCKMortgage rates already had been falling when the shutdown began Dec. 22, and they fell more than an eighth of a percentage point in the two weeks that followed. That’s why the shutdown could give you a chance to grab a good mortgage rate.“Our expectation is that this will be a short-term blip and you’ll be glad if you were able to take advantage of the drop in mortgage rates,” says Danielle Hale, chief economist for Her forecast assumes that the shutdown won’t last for months and that mortgage rates will rise this year.‘LENDERS ARE CLOSING THOUSANDS OF LOANS A DAY’Shutdown-related issues are causing delays of up to two weeks on typical loans, according to Alan Rosenbaum, CEO and founder of Guardhill Financial in New York City. Still, one industry leader thinks it’s mostly business as usual.“The government shutdown is having a minimal impact on the mortgage industry,” Mat Ishbia, president and CEO of United Wholesale Mortgage, says. “Lenders are closing thousands of loans a day. Everything is moving forward.”As well, a Jan. 7 survey of 2,211 members by the National Association of Realtors found that 75 per cent of respondents said the shutdown hasn’t had an impact on contract signings or closings.Of those Realtors who said the shutdown had affected transactions, a quarter said a buyer decided not to buy because of general economic uncertainty; 17 per cent had clients whose closings were delayed because they were getting USDA loans; 13 per cent said a client’s closing was delayed because of IRS income verification issues; 9 per cent reported delays with FHA loans; and 6 per cent with VA loans.And 9 per cent said they had a client who was a federal employee who decided not to buy because of lost income or furlough.NerdWallet writers Beth Buczynski, Hal M. Bundrick and Barbara Marquand contributed to this article.This article originally appeared on the personal finance website NerdWallet. Holden Lewis is a writer at NerdWallet. Email: Twitter: @HoldenL.RELATED LINKS:NerdWallet: What to know about FHA loans All about VA loans What is a USDA loan? Compare mortgage rates Lewis, The Associated Presslast_img read more

Hot and humid weather to continue

Humidity levels are expected to be at a high of 90 percent in Colombo tomorrow and 95 percent in Kandy, Galle, Nuwara Eliya, Ratnapura and Mannar. The department of meteorology said that showers or thundershowers will develop at several places over most provinces of the island during the afternoon or evening tomorrow.There may be temporary localized fairly strong winds during showers and the general public have been requested to take adequate precautions to minimize the damages caused by strong winds, the department of meteorology said. (Colombo Gazette) The hot and humid weather experienced over most parts of Sri Lanka, especially in Colombo, will continue over the course of this week.The department of meteorology said that except for a few showers in the Eastern province, mainly fair weather will prevail over most parts of the island during the morning hours tomorrow (Monday). A similar weather pastern is expected over the next few days although there maybe rain in parts of the country on Tuesday and Wednesday. read more

California opens pathway for cars that lack steering wheel

by Justin Pritchard, The Associated Press Posted Oct 1, 2016 3:43 am MDT Last Updated Oct 1, 2016 at 9:20 am MDT AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to RedditRedditShare to 電子郵件Email California opens pathway for cars that lack steering wheel California regulators have changed course and opened a pathway for the public to get self-driving cars of the future that lack a steering wheel or pedals.It’s not going to happen immediately — automakers and tech companies are still testing prototypes.But, in a shift, the state’s Department of Motor Vehicles said in a revision of draft regulations released late Friday that the most advanced self-driving cars would no longer be required to have a licensed driver if federal officials deem them safe enough.The redrafted regulations will be the subject of a public hearing Oct. 19 in Sacramento.The DMV has been wrestling for several years with how to oversee the emerging technology.In December, the agency released an initial draft of self-driving car regulations that required a licensed driver in any self-driving vehicle. The industry reacted with great disappointment, as the ultimate vision of many companies is a car that has no wheel or pedals. That approach is based on the argument that humans are not very good at driving, and anyway cannot be relied on as a backup to a car that typically drives itself but might fail in a way that required a person in the driver’s seat who might be distracted or even asleep to snap to attention.The DMV’s new document coincides with the release last week of a 112-page federal proposal under which any self-driving car should pass a 15-point safety assessment before the public can get ahold of it. Among other things, the safety assessment asks automakers to document how the car detects and avoids objects and pedestrians, how hardened it is against cyberattacks and what how its backup systems will cope should the software fail. In incorporating the federal approach, California dropped a proposal that a third-party company certify the safety of self-driving cars.The new draft regulations released Friday include several other new provisions. Among them is wording that would prohibit advertising vehicles with lower levels of automation — such as Tesla Motors’ Autopilot, which on divided highways can keep a car’s lane, brake and accelerate on the understanding that a person is paying attention all the time — from being advertised as “autonomous” or “self-driving.”The company that stands to gain the most from the state’s embrace of cars without a wheel or pedals is Alphabet, where the Google self-driving car project envisions cars that allow no human control other than a start and emergency stop button. A spokesman for the Google self-driving car project did not have a comment Friday on the changes to the proposed regulations.___Contact Justin Pritchard at read more

Outotec to deliver nickel plant in South Korea

first_imgOutotec has agreed a deal with Enerchem for the delivery of technology for a nickel matte treatment facility to be built in South Korea. This order follows the conceptual study and basic engineering Outotec provided for the project. The contract value exceeds €10 million. Enerchem, a subsidiary of Korean ferroalloy producer and trader Enertec Co, is building a new nickel matte treatment facility. Nickel matte is a commercial intermediate product of nickel smelting and contains about 65% nickel.The new facility will produce annually 12,000 t of pure nickel sulphate from purchased raw material. Nickel sulphate is used most widely in the battery industry. Outotec’s scope of delivery covers technology and proprietary equipment for the entire plant, such as atmospheric and pressure leaching of nickel matte and iron removal autoclaves, solvent extraction of nickel as well as impurities removal. In addition, Outotec will deliver equipment for crystallisation of nickel sulphate and the process control system for the plant. Outotec also offers spare parts as well as supervision services for the installation and commissioning, expected to take place in the second half of 2013.“Outotec has wide and long experience in hydrometallurgical technologies. This is an exciting opportunity for us to tailor a solution, which uses atmospheric and pressure leaching and solvent extraction technologies. Enerchem benefits from an optimised and efficient process to produce pure nickel sulphate for the growing demand in Asia”, says Outotec CEO Pertti Korhonen.last_img read more

FastCharge car research bodes well for batteryelectric mining vehicles

first_imgThe ‘FastCharge’ research project has demonstrated a three-minute charge on a 450 kW ultra-fast prototype charging station can keep an electric-drive vehicle going for some 100 km.The demonstration project, run by an industry consortium under the leadership of the BMW Group and including Allego, Phoenix Contact E-Mobility, Porsche and Siemens, showed a full charge (10-80% State of Charge (SOC)) could be achieved with the same prototype in 15 minutes.This prototype was inaugurated in Jettingen-Scheppach, Bavaria, Germany, recently, and can now be used free of charge, BMW Group said. It is suitable for “electric models of all brands with the Type 2 version of the internationally widespread Combined Charging System (CCS), as is commonly used in Europe”, the auto manufacturer said.This demonstration was clearly for the car market, yet the results of these trials are expected to impact charging times and systems for the current crop of battery-electric vehicles being developed in the mining industry.The FastCharge project is receiving total funding of €7.8 million ($8.9 million) from Germany’s Federal Ministry of Transport and Digital Infrastructure.“Fast and convenient charging will enhance the appeal of electromobility,” BMW says. “The increase in charging capacity up to 450 kW – between three and nine times the capacity available at DC fast-charging stations to date – enables a substantial reduction in charging times.”The project is now investigating the technical requirements that need to be met in order to be able to tap into these extremely high charging capacities, the company said.The essence of this system is a high-performance charging infrastructure; the Siemens energy supply system (pictured) being used in the project enables researchers to test the limits of the fast-charging capacity demonstrated by vehicle batteries. It can already handle higher voltages of up to 920 V – the level anticipated in future electrically powered vehicles – and integrates both the high-power electronics for the charging connections as well as the communication interface to the electric vehicles.“This charge controller ensures the output is automatically adapted so that different electric cars can be charged using a single infrastructure,” the company said.Thanks to high-current, high-voltage charging, the system is suitable for several applications, including fleet charging solutions and, as in the test case, charging along highways. In order to link the system to the public power grid in Jettingen-Scheppach as part of the project, a charging container was set up with two charging connections: one provides an unprecedented charging capacity of a maximum of 450 kW and the second delivers up to 175 kW. Both charging stations are now available for use free of charge for all vehicles which are CCS-compatible.The Allego charging station prototypes now presented use the European Type 2 version of the well-established CCS charging connectors. This standard has already proved successful in numerous electrically-powered vehicles and is widely used internationally, BMW Group said.In order to meet the demands of fast charging at high capacity, cooled high power charging cables made by Phoenix Contact are used, which are fully CCS-compatible. The cooling fluid is an environmentally-friendly mixture of water and glycol, allowing the cooling circuit to be half open. This makes maintenance comparatively straightforward compared with hermetically-sealed systems that use oil, eg in terms of refilling the cooling fluid.One challenge was ensuring the cooling hoses in the charging line were not squeezed when connected to the charging station, as would happen with a conventional cable gland. This problem was solved by Phoenix Contact with a specially developed wall duct with defined interfaces for power transmission, communication and cooling as well as integrated tension relief.“Depending on the model, the new ultra-fast charging station can be used for vehicles fitted with both 400 V and 800 V battery systems. Its charging capacity automatically adapts to the maximum permitted charging capacity on the vehicle side,” BMW Group said.“The time saved as a result of the increased charging capacities is demonstrated in the example of the BMW i3 research vehicle. A single 10-80% SOC charging operation now only takes 15 minutes for the high-voltage battery, which has a net capacity of 57 kWh. This can be achieved on the vehicle side by means of a specially developed high-voltage battery combined with an intelligent charging strategy. The latter includes precise preconditioning of the storage temperature at the start of charging, temperature management during the charging operation itself and a perfectly coordinated charging capacity profile over time,” the company added.The charging operation is carried out via a multi-voltage network on the vehicle side using a high-voltage DC/DC (HV-DC/DC) converter, transforming the required 800 V input voltage of the charging station to the lower 400 V system voltage of the BMW i3 research vehicle. The HV-DC/DC system also gives the vehicle reverse compatibility, allowing it to be charged at both old and future charging stations.BMW Group said a key factor in ensuring reliable operation is secure communication between the vehicle and the charging station. For this reason, standardisation issues relating to interoperability are also being investigated and submitted to standardisation bodies.The Porsche research vehicle, with a net battery capacity of around 90 kWh, achieved a charging capacity of more than 400 kW, thereby allowing charging times of less than three minutes for the first 100 km of range.IM will be hosting The Electric Mine conference in Toronto, Canada, on April 4-5, 2019, where developments in this fast-evolving sector will be discussed. For more information on the event, click here.last_img read more

13 reasons Frasier is the wisest TV show of all time

first_imgTODAY IS KELSEY Grammer’s birthday, and thank goodness for that.  Were it not for the advent of his birth, we may not have ever had Frasier.Without Frasier, we would never have encountered Niles, Martin or Daphne, and may not have learned some of the powerful lessons the show taught us over its eleven series.Lest we forget the importance of such a programme, let’s review some of the best things we learned from it over the years.1. Nobody likes a whinger.YouTube/ReSpawNnL2. You can overcome awkward moments like this one.Nile’s spent 7 seasons of Frasier madly in love with Daphne and acting like a total eejit around her, like in this scene.She still managed to fall in love with him.YouTube/m1ndy98763. Even the most pedestrian moments can be an opportunity for drama.YouTube/LAtvFan4. Avoid calling people unusual names in the bedoom where possible.It can come back to haunt you.YouTube/Matt Tobin5. Sibling rivalry can work against you.In this scene, Frasier and Niles are about to have lunch with some Nobel prizewinners.Each keen to be seen as the smarter brother, they have spent hours studying…with hilarious results.YouTube/Patrick Paul6. It’s better when you get on with your brothers and sisters.7. You can do anything you put your mind to.If Niles can manage this, you can do anything.YouTube/romaggot8. Sometimes you don’t actually have to be seen or heard to make an impact.Maris had a powerful presence, without ever appearing in any scene.YouTube/JBVids0009. Taking a principled stand can sometimes work against you.YouTube/Tohtorii10. When things go wrong, be cool.In this scene the gang find themselves on the wrong side of the Canadian border, where Daphne’s visa does not permit her to be.Calmness is not their biggest virtue.YouTube/m1ndy987611. A dog is a man’s best friend.YouTube/AndyUK200612. What’s for you won’t pass you.The path to true love did not run smoothly for Niles and Daphne, but they got there in the end.YouTube/trumwill13. A little bit of mischief never did anyone any harm.YouTube/flibbles55Lily Allen’s boobs, awkward exes: The 6 best things at the Brit Awards>WATCH: Starlings do their thing in Wexford>Look how old and wise Fungi is now…>last_img read more

Mad Max trailer and screenshots show off a glimpse of gameplay

first_imgThe Mad Max films cause a bit of confusion. When you think of “the first” Mad Max, you’re generally thinking of the second one, The Road Warrior. That’s the movie with the post-apocalyptic wasteland; the original isn’t much like Road Warrior or Beyond Thunderdome.The only thing we really knew about the new Mad Max game, which was shown off back during Sony’s E3 keynote, is that it seems to ignore the first entry in the film franchise, and opts for the post-apocalyptic wasteland theme. We also know that the developers, Avalanche, stated that Max will be portrayed with an Australian accent.Now, with the release of a new trailer, we finally get a glimpse of the game’s actual gameplay — albeit, just a glimpse.The first half of the trailer is basically setting up the bleak vibe and desert visuals, then finally toward the end of the trailer we get to see what appears to be actual gameplay. Though the scenes are quick, we see flashes of vehicular combat, various head-related trauma induced through melee moves, explosions, mutants, and hand cannons. Yes, it’s Mad Max, even though Mel Gibson isn’t reprising the role of the titular Australian.The game is slated to release for everything it possibly can — PS3, PS4, Xbox 360, Xbox One, and Windows. There is no clear release date as of yet and not much in the way of available gameplay demonstrations, so expecting it sometime next year would be safe bet. Until then, go back and watch the original 1979 film, and be surprised by how different it is from the rest of the series. VIEW PHOTO GALLERY Mad Max Mad Max Mad Max riding shotgunMad MaxThis is extremely unsafe. Mad MaxPondering his existence while looking over the vast wasteland.Mad MaxMax driving while mad. Mad MaxMax taking care of business.Mad MaxMad Max and a poorly parked boat.Mad MaxMax locks his keys in the car, again. Mad Max riding shotgunlast_img read more

Des éléphants du zoo de Lyon atteints de tuberculose

first_imgDes éléphants du zoo de Lyon atteints de tuberculoseAprès un test de dépistage, le doute n’est plus permis : deux éléphants du zoo de la Tête d’Or à Lyon (qui compte trois pachydermes dans ses enclos) ont été diagnostiqués comme porteurs de la tuberculose.Le zoo de la tête d’Or à Lyon n’est actuellement pas à la fête. Alors que quatre singes lui ont été volés et qu’une de leur lionne est morte noyée dernièrement, voilà que des éléphants sont malades, rapporte 20minutes. En effet, deux des trois pachydermes que compte le parc animalier ont été dépistés comme porteurs de la tuberculose et la direction a décidé qu’ils ne pouvaient pas rester au zoo.Concernant cette décision de renvoyer les animaux, David Gomis, le directeur du zoo explique : “Pour l’instant, ce n’est qu’une mesure de précaution. Ils sont porteurs de la tuberculose. Mais la maladie ne s’est pas développée cliniquement”. Autre décision : condamner les allées piétonnes qui mènent à l’enclos tandis que l’on apprend que le troisième pachyderme, répondant au nom de Java, s’est refusé au test de dépistage. Les autorités du zoo ont décidé de ne pas soigner les animaux, expliquant que “cela demanderait un dispositif quasi-hospitalier et des tonnes d’antibiotiques”, laissant le choix de l’euthanasie ou du retour des animaux en Seine-et-Marne au Cirque Pinder, propriétaire de Java, Baby et Népal. Une situation qui énerve le PDG des cirques Pinder, Gilbert Eldestein, qui appelle le zoo à soigner les animaux ou à le payer (150.000 euros par éléphant) arguant que les pachydermes avaient été livrés aux soins du zoo de Lyon en bonne santé.Le 15 février 2011 à 15:21 • Emmanuel Perrinlast_img read more

Internet Gutter WikiHow To Be Anything

first_img How To Be A Rebel1/10Skin-tight purple pants and a messy ass shirt should do it.<><> Online is a strange and terrifying place. It’s enabled us to connect with one another, advance the causes of science and culture, and unite the world with a glowing net of data. It’s also enabled people with very… particular interests to find each other. In this new weekly series, we’ll be dipping into the Internet Gutter – the strange subcultures and weird worlds lurking in the dark pockets of the World Wide Web.WikiHow LifestylesOn the surface, WikiHow seems like an excellent idea – a crowd-sourced repository of step-by-step illustrated instructions on how to do everything from how to change a car tire to make a lobster bisque. Unfortunately, the actual site is significantly less helpful. Just as Wikipedia transformed from “all the world’s vital knowledge” to “a list of every single anime character,” WikiHow has been taken over by the most ridiculous, useless tutorials ever written.We checked in with WikiHow a few months ago to explore different ways to poop, but now we’re going back for something a little bigger. The site has a flabbergasting array of tutorials on transforming your normal self into something different. Something… better.How To Be A HipsterLet’s start this off with possibly the most embarrassing thing you could ever willingly click on, “How To Be A Hipster.” That term is basically devoid of all meaning in the year 2016, but WikiHow is ready to help you claim it anyways.Things start off strong with a section on hipster fashion:“Avoid buying labeled gear from stores run by the label itself (so very not nice consumerism). Instead, look for independent retailers because supporting obscure retailers is “totally deck”. For example, buy from local mixed fashion stores near you.”Totally… deck?WikiHow illustrations are notoriously bad, but the ones in this piece push the envelope towards truly nightmarish. The best part is where we elevate ourselves a couple irony levels with a section on handling criticism like a hipster:“As for people who poke fun at your fashion sense, remind the so-called trendy mass that their worn and torn jeans fashion was created by children who are little more than slaves in some sweatshop and if they want to contribute to that, they’re welcome to. If they point out the fact that your Apple products were also produced in sweatshops, change the subject to an obscure band they’ve never heard of.”How To Be A SpyEspionage agencies look for the best and the brightest, top physical and mental specimens who won’t crack under the greatest pressure. They’re trained intensively for years before being put into live situations. But then, you could just read a WikiHow page on “How To Be A Spy” and skip all that.Scroll up a bit and look at that picture of a girl hiding behind a corndog. Really drink it in. That’s the caliber of advice you’re getting with this one. Tips include “learn parkour” and “get smart,” which basically means “read a bunch of books about spying.”To improve your stealthiness, WikiHow basically recommends you commit some small crimes, e.g.:“Try stealing something little of your friends, like a pen or a folder, and return it without being noticed for practice. Do not take this as an endorsement for stealing. This article is supposing that you are ultimately working on the side of good, not evil.”How To Become A SuperheroIf you’re not satisfied with the feats of mortals, don’t stress. WikiHow has you covered. In the guide to How To Become A Superhero, you’ll receive such vital tips as “learn parkour” (again) and “get good health insurance.” That last one seems especially appropriate for any WikiHow endeavor.The best part of the instructions is probably where they give you tips for choosing your superhero name.“This is going to be one of the most important tidbits about your persona. Imagine your name in lights. Does “Gregarious Greg” really have the ring to it you want (you can do better than that!)? Is “Looks Good in Yellow Girl” doing yourself justice? How do you want to be remembered? How does it match your powers?”I have the first appearance of Gregarious Greg in mint condition with an eBay Buy It Now price of $160 if anybody’s interested.How To Be A Side ChickWe wouldn’t think that having sex with a dude who has a wife or girlfriend would necessarily be how-to material, but WikiHow knows best. The hilariously illustrated guide to being a “side chick” gives ladies everything they need to enjoy an emotionally vacant, sex-only experience in private.The entire guide is written as if talking to a toddler. To wit:“Refrain from having “The Talk”. Having the “What are we doing? Where is this going?” talk will push him away. You have to know your lane. You’re his side chick; the end. Yeah, some side chicks do end up as mains, but this is much rarer than you may think. If your thing is all about hooking up, then there’s no need to overwhelm your guy with serious conversation. This will lead you to a time out.”Uh, I haven’t had a “time out” since I was in third grade. Every WikiHow article has a “Tips” section at the end, but this has just a single tip presented:“Don’t be a side chick. Go find yourself an actual boyfriend rather than facilitate cheating.”Phew! Glad I read the article first.How To Become A Sissy“A sissy is a term that refers to an effeminate boy or man. It is the opposite of a tomboy but is often referred to in a demeaning way. In the last few decades, people have begun to break down gender roles. You can become a sissy and be confident in your choices.”*Lil Jon voice* OKAAAAAAAAAAAAAY.Grab BagThere are plenty of other WikiHow lifestyle guides that we didn’t cover here. Enjoy this slideshow of the worst and weirdest art from a bunch of other ones.last_img read more

Washington wildfires cost so far 50M

first_imgSEATTLE — The cost of fighting this season’s wildfires in Washington, including the largest one in the state’s history, has crossed the $50 million mark. Bolstered by the nearly 400-square-mile wildfire in north-central Washington, this year’s wildfire season has been widespread, with dozens of fires burning at the same time. So far, state estimates put the cost of fire suppression at just over $50 million. Nearly half of that cost comes from the Carlton Complex fire in north-central Washington with a tally of $23.3 million. The next-biggest cost is the Chiwaukum fire in central Washington. Those figures don’t include loss of property and damage to infrastructure. The Carlton fire has burned about 300 homes and heavily damaged the power grid in the scenic Methow Valley.At nearly 400 square miles, the lightning-caused Carlton Complex has eclipsed the 1902 Yacolt Burn, which killed 38 people and consumed about 373 square miles, or 238,920 acres, in Southwest Washington. The Carlton Complex has been blamed for the death of a man who appeared to suffer a heart attack while trying to protect his property.last_img read more

Sylhet stone quarry worker killed in landslide

first_imgA female worker was killed and four other workers were injured in a landslide while extracting stone from a quarry in Jaflong of Goainghat upazila early Monday, reports news agency UNB.The deceased is Champa Das, 17, daughter of Ranjit Das, a resident of Shyampur village of Kaliajhuri upazila in Netrokona district.A portion of mud collapsed on a group of worker while they were extracting stone from the quarry owned by a local Jubo League leader Nanu Miah, leaving Champa dead on the spot and four other workers injured said Goainghat police station officer-in-charge Hillol Roy.Later, police arrested the stone quarry owner Nanu, president of Purba Jaflong union unit of Jubo League.last_img