Feed your greed for speed by installing SSDs in RAID 0

Tired of waiting while your top-of-the-line SSD loads files? Is what once seemed blindingly fast just not cutting it any more? Relax, you’re not the only one suffering with Greed for Speed (GFS). Plenty of velocity addicts are stricken with the same affliction. Let us help.



In this, the first step in PCWorld’s exclusive one-step program for the amelioration of GFS symptoms (extreme anxiety at the least pause in program launch, tantrums over large file load times, etc.), we’ll show you how to nearly double the performance of even the fastest SSD.

That’s right. You’ll soon be able to spend those hundreds of lost milliseconds on a variety of pursuits. Programs and files will pop up so fast, you won’t have time to contemplate the even faster SATA Express (capable of delivering 1.5- to 3.0 gigabytes per second, via SATA over PCIe) or the up-and-coming NVM Express (aka NVMe, which is PCIe optimized for the non-volatile memory in SSDs).

[ Further reading: We tear apart a hard drive and SSD to show you how they work ]
So here it is: Relief. Enlightenment. RAID 0.

Yup. That’s the whole kit and kaboodle. One acronym and a numeral describing a rather old technology. Of course zero isn’t just a numeral to a GFS sufferer, it’s symbolic of the race track. Any pony or Formula One lover knows that from the betting guide. Chomp, chomp; zoom, zoom…. What RAID 0 provides is two (or four, if you’re rich) separate conduits to carry your data to and from two (or four) SSDs.

RAID 0 works far better with SSDs than it does with hard drives, because mechanical drives aren’t fast enough to take full advantage of the increased bandwidth. In most cases, running SSDs in tandem works really, really well.

This tip is primarily for desktop PC owners, of course. Laptops that can accommodate dual hard drives—solid state or otherwise—are few and far between.

Our recent review of Intel’s 730 series SSD piqued our interest in the concept of striping SSDs. You see, Intel asks reviewers to try a RAID 0 setup with their drives.That’s probably because benchmark results indicate that the 730 is a mundane performer when tested solo. Run them in tandem or in packs, and they blossom. Stacking 730s gives Windows an instantaneous feel. It’s nice. Really nice.



The skull on Intel’s 730 Series SSD mark indicate Intel’s is targeting enthusiasts. But it takes running two drives in RAID 0 to really deliver the goods.
To see just how much a typical desktop rig might benefit from an RAID 0 SSD upgrade, we tested the three pairs we have in the lab (we have many more single drives, of course, but we typically don’t benchmark RAID performance). Those drives were the bargain-class SanDisk X110, Intel’s enterprise-influenced 730 Series, and the enthusiast-class Plextor M6e SSD-on-a-PCIe-card. We set up the first two using the Intel Rapid Storage controller on our Asus Z87 Pro motherboard; the Plextor required Windows software RAID.

A kick in the pants

The performance of both the Intel 730 Series and the Plextor M6e drives improved immensely when paired up in a striped array—between 46- and 88 percent on the plus side. We performed a write test by copying a single large file (10GB) to the drive under evaluation, and a read test by copying that same file from the drive. We repeat this sequence with a 10GB collection of small files and folders.

As I mentioned earlier, the 730 Series SSD produces middling numbers when running solo. It wrote the single large file at 470.4MBps and read that file at 376.2MBps. It wrote our 10GB collection of small files and folders at 479.0MBps, and it read them at 351.3MBps.

When we paired two of these drives in RAID 0, large-file write and read speeds skyrocketed to 800.1MBps and 707.3MBps respectively, while the collection-of-small-files write and read speeds exploded to 811.3MBps and 582.3MBps respectively. That’s an overall average of 725.3MBps reading and writing. Intel tells us running four 730 Series drives in RAID 0 can achieve average speeds of 1.2GBps. Now that’s haulin’ the freight.

The Plextor M6e’s PCIe interface helps it perform much faster than SATA 6Gbps drives do. A lone drive wrote our 10GB file at 526.5MBps and read it at 556.4MBps. While that’s fast for a single SSD, two of the drives in RAID 0 performed the same tasks at 807.2- and 854.4MBps, respectively. Their performance with our collections of small files was equally striking, writing the group at 772.0MBps and reading it at 677.8MBps.

PCIe drives in pairs rock.

The Plextor M6e’s PCIe interface delivers higher performance than the older SATA 6Gbps can muster.
Bargain drives like the SanDisk X110 will benefit, too, although we didn’t see such large deltas. But two X110’s in RAID 0 did outperform any single drive that’s ever come through the lab.

Just do it

Until SATA Express and NVMe (with its parallelism and multiple queues) shows up, combining SSDs with RAID 0 is the sure cure for performance anxiety. Even when the new technologies arrive in force (Intel’s latest chipsets already support SATA Express), RAID will help.

If you have the cash and the appropriate infrastructure, we highly recommend running SSDs in RAID 0. You will notice the difference. And if you’re suffering from GFS, you’ll sleep better at night.

One final word of advice: Be sure to have a routine backup plan in place. If any drive in a RAID 0 configuration fails, you could lose all your data.

To comment on this article and other PCWorld content, visit our Facebook page or our Twitter feed.


Source: http://docphy.com/technology/computers/software/feed-greed-speed-installing-ssds-raid-0.html

Home Security Companies

Home security is something every homeowner should take seriously, and two of the leading home security companies out there are ADT and Brinks. You can’t really go wrong with either company, although one or the other may suit your particular home security needs better than the other. One thing is clear: Since you’ll want to talk to multiple home security companies as it is, these two companies should top your list of candidates to provide you with a home security system.

State-of-the Art Home Security

In addition to the fact Brinks and ADT Home Security are trusted names when it comes to home security, their established, large revenue bases allow them to invest in research and development, offering you the latest and most innovative ways to protect your home. Burglars are always finding ways to crack security systems and home security companies must, then, counter with ever-improving security technology. If you’re looking for the tightest home security available, these companies are the most likely to have it. Of course, they also mass-produce and streamline more basic home security systems for effective, low-cost security systems.

ADT Home Security

ADT Home Security will not only provide you a powerful, reliable home security system, they can help you decide which system is best for your home, given your area and your budget. They have advisers that will come to your home and evaluate the current level of your security and explain to you the exact 24-hour monitoring and protection services their home security system provides. This explanation and a home security demo will make operating the system easier and reduce the incidence of false alarms. They also offer money-back guarantees if you’re not satisfied within the first six months, and they’ll even pay your deductible up to $500 if your home is broken into.

Brinks Home Security

Consistently receiving awards from Consumer’s Digest, Brinks Home Security is a topnotch home security company. They have extensively trained and licensed employees and emergency back-up facilities to give you the peace-of-mind that a rapid response will occur in the event of a security breach. They make home security a primary focus and tailor their systems to provide residential protection. Their equipment is easy-to-use and will protect your family from not just burglars, but carbon monoxide, as well. This equipment undergoes testing from an independent company and, should something go wrong, can be repaired or replaced 24 hours a day.

The Cost of Home Security

You may already know that installing a home security system can save you money on your homeowner’s insurance. You should check with your insurance company and consider these savings when purchasing your home security system. A typical home monitoring fee will probably run you about $30-$35/month or about $300 annually. You may be saving $20/month or more on your insurance policy, however, leaving you only an extra $10-$15 to pay per month. If your homeowners insurance isn’t offering you approximately a 20% discount on your insurance premium, it’s probably time to shop around for another insurance company. Needless to say, insurance companies are rarely as reliable or trustworthy as a quality home security company.


Source: http://docphy.com/business-industry/business/home-security-companies.html

The Breast Center - Comprehensive Breast Care in NJ

Other than skin cancer, breast cancer is the most commonly diagnosed cancer among American women. About one in eight women in the U.S. will develop invasive breast cancer over the course of her lifetime.

In 2017, an estimated 255,180 new cases of invasive breast cancer are expected to be diagnosed in women in the U.S., along with 63,410 new cases of non-invasive breast cancer. About 85% of breast cancers occur in women who have no family history of breast cancer, so breast care is an essential component of every woman's wellness plan. Our comprehensive breast care center provides all of the services needed for early detection and diagnosis of breast cancer and other breast diseases.

The Breast Center at the Barnabas Health Ambulatory Care Center in Livingston, NJ, provides comprehensive breast care and wellness services essential for good health. We offer a full range of preventive, diagnostic and treatment services – all delivered by a caring, highly-trained staff that understands your concerns and is always available to answer your questions. At the Breast Center, patients can be assured of a high level of individualized care from a multi-disciplinary highly qualified team, experienced in treating breast-related issues.

Benefits of choosing The Breast Center at The Ambulatory Care Center

A complete range of tests to evaluate your breast symptoms, from yearly screening mammograms to more advanced tests including MRI, breast ultrasound and minimally invasive breast biopsy techniques
Experienced, dedicated physicians, radiologist, nurses and technicians provide counseling and follow-up care, as well as support service
Breast services located in one convenient location
A comfortable, soothing atmosphere including private dressing rooms
A high level of personalized care
Consultations and examinations take place in private surroundings where the doctor can give each patient the individual attention she or he requires.
Technologists and the mammography staff at the Breast Center are female to ensure comfort level of patients
Complimentary valet parking

Conveniently located in Livingston, NJ, the Breast Center's goal is to exceed the individual expectations of each patient, to decrease the stress commonly associated with breast testing and to promote breast health and wellness.

Accredited by the National Accreditation Program for Breast Centers

The Breast Center at the Barnabas Health Ambulatory Care Center is one of the few breast centers in New Jersey to receive accreditation from the National Accreditation Program for Breast Centers (NAPBC), which requires a rigorous evaluation process and performance review.

Our NAPBC accreditation reflects the high standard of care we provide for patients with diseases of the breast, and our commitment to offering patients every advantage when it comes to breast care.

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Source: http://docphy.com/business-industry/health-care/breast-center-comprehensive-breast-care-nj.html

Helpful videos after getting a DUI in Florida

Arrested for DUI in Sarasota County? Call the Sarasota DUI Attorneys now for help.Seeking to protect your driving privileges after a DUI in Sarasota County?Pay Plans are available for DUI Defense in Sarasota County, FL.

The Sarasota DUI attorneys with The Law Place focus mainly on DUIs in Florida. Their attorneys have been handling Florida DUI cases with over 25 years of experience. They will fight aggressively to challenge evidence and attempt to get the charges against you dropped or reduced.

The Law Place has been fighting DUI charges with a combined 25 years of experience and they focus their practice on DUI Defense
David Haenel is a Former State DUI Prosecuting Attorney
David Haenel is the former 2004 State of Florida DUI Prosecutor of the Year
Florida DUI attorney David Haenel is the author of “Florida DUI Survival Guide: A Citizen’s Protective Manual”
The Law Place has published five books on Florida DUI Defense

It is very important that you begin working on your defense as soon as possible. Your license is subject to suspension by the state of Florida within only ten days of your arrest. The Sarasota DUI attorneys with The Law Place will do their best to challenge this revocation of your license. They will work to preserve your driving privileges. If you do not act soon, you may end up losing your license for up to 18 months. An aggressive DUI lawyer who is familiar with the Sarasota County DUI process and procedures will be able to answer your questions, discover any possible defenses, and efficiently prepare your case. The Sarasota DUI attorneys with The Law Place offer that level of aggressive defense to those facing charges for DUI in the state of Florida. Call the Sarasota DUI attorneys now to schedule your free initial consultation at (941) 234-0856.

Sarasota DUI Attorneys

According to the DUI law in Florida, a person can be found guilty of the offense of Driving Under the Influence if they are found to be operating a vehicle after having ingested any alcoholic beverage or chemical substance which impairs their ability to drive safely. Signs that normal faculties may be impaired include: a slower reaction time, speeding, weaving on the road, driving too slowly, slurring of speech, glassy eyes, and a difficulty with balance.

Florida is often considered a state with the most severe penalties for DUI in the country. The DUI lawyer you choose to represent you could directly affect the outcome of your DUI case. The consequences of a conviction may include license suspension, probation, fines, court costs, counseling, substance abuse classes, vehicle impoundment, and even jail time. The Sarasota DUI attorneys with The Law Place can review the facts of your case, including police reports, and possibly find legal reasons to suppress some or all the evidence being used against you. Without strong evidence, the State Attorney may have difficulties proving that you were actually DUI. Contact the Sarasota DUI attorneys of The Law Place to see how they can help!

Sarasota County DUI Attorneys at The Law Place

Darren Finebloom received his Bachelor’s Degree in Criminology from Florida State University, and he graduated with Honors from Cleveland-Marshall College of Law. Darren has worked in the Public Defender’s Office for the Twelfth Judicial Circuit and he has practiced criminal law with a focus on DUI cases. His extensive experience working in trial, combined with his personal commitment to each case, makes him one of the strongest DUI attorneys in the state of Florida. Sarasota DUI attorney Darren Finebloom holds the highest available rating (AV Preeminent) from Martindale-Hubbell and has also been widely recognized as a “Rising Star” in the realm of criminal defense by Super Lawyers magazine.

David Haenel graduated from Widener Law School where he received a Master of Laws Degree from the State University of New York-School of Law in Buffalo. He has worked as a prosecutor, and has even trained other prosecutors and law enforcement on various aspects of Florida traffic-related crimes. He has lectured extensively on the subject of evidentiary breath testing, and completed a Laser Operators Course for the State of Florida. David Haenel is a member of the Sarasota County Bar Association, the Florida Bar Association, the Judge John M. Scheb American Inn of Court, and the International Association for Chemical Testing. He has been admitted to practice before the State Courts of Florida and New Jersey, as well as the Federal District Court for the Middle District of Florida. David Haenel is also the author of Florida DUI Survival Guide: a Citizen’s Protective Manual and has also worked on other reference books for attorneys focusing on the latest in DUI defense.

Stephen Higgins has been practicing criminal defense since 2004. He is a graduate of Northeastern University of Boston and received his juris doctor and M.B.A. from Rutgers Law School and Rutgers Graduate School of Business. Sarasota DUI attorney Stephen Higgins is a member of the Florida, New Jersey, and Pennsylvania bars. He has glowing reviews and endorsements on AVVO, an expert-only legal directory. His focus is on drunk driving cases in Florida, and he has been published in Florida DUI Magazine and has been interviewed by the media to weigh in on DUI and other traffic-related matters.

AnneMarie Rizzo is a former Assistant State Attorney and has valuable trial experience in Florida. She trained with law enforcement officers and prosecutors across the state. She is a graduate of the University of Florida, Magna Cum Laude, and she received her law degree from the University of Florida Levin College of Law. Attorney Rizzo was appointed Special Prosecutor by the Governor of Florida to represent the State of Florida in a 2007 DUI case in Lee County during which she secured a favorable jury verdict.

Call Now For Immediate Help with Your DUI in Sarasota County

If you have been charged with a DUI in Sarasota, don’t lose any more valuable time! Call The Law Place as soon as possible to begin your defense. Call (941) 234-0856 as soon as possible!

DUI Charges Completely Dismissed
Witnesses in the blue arrival terminal of Tampa International Airport alerted Tampa Police officers to a vehicle defendant was operating. Based on the witnesses’ observations, they believed defendant was impaired. Officers arrived observing signs of impairment. Officers arrived and made contact with defendant, noting bloodshot, watery eyes and erratic statements. Defendant was cooperative throughout the incident and agreed to perform field sobriety exercises. After the exercises, he was arrested, provided samples of .000 and .000 and also provide a urine sample. He retained Finebloom, Haenel, & Higgins, who after presenting the defenses to the state attorney, were able to get all charges dropped.

Hillsborough County, FL

Defendant Found NOT GUILTY of DUI Charge in Jury Trial

Defendant found not guilty in less than 20 minutes by jury trial. The Defendant went out with a friend on Thanksgiving weekend. His friend drove to Siesta Key where the Defendant consumed some alcohol between 4-6 beers. Darren Finebloom proved at trial that he took a cab home from Siesta key. Once home he took a prescribed ambien. The next thing he remembers is waking up in a jail cell. Darren Finebloom took the case to trial as the State did not believe the defense. Darren Finebloom and Anne Marie Rizzo presented their case along with expert testimony on sleep driving to the jury. The cops testified they found the Defendant passed out in the drive thru line at McDonalds. The Defendant smelled of alcohol and refused a breath test. Once final arguments were done the Jury took less than 20 minutes to find the Defendant not guilty.

Sarasota County, FL

DUI Reduced to Reckless Driving No Conviction

The Defendant was stopped at the Sarasota County Sheriff’s Office for erratic driving. He was subsequently requested to perform field sobriety tests. The Defendant refused to cooperate with the police investigation. He was arrested for DUI. Darren Finebloom set the case for trial and the state reduced the DUI to reckless driving.

Sarasota County, FL

3rd DUI Charge Reduced to Reckless Driving

The Defendant was charged with a third offense DUI. DUI Lawyer Darren Finebloom was able to keep the case in misdemeanor court. The Defendant was alleged to have been driving northbound on US 301 on a flat tire with no headlights or taillights. The Defendant performed field sobriety tests and was arrested for DUI. The state was seeking one year in jail. Darren Finebloom tried the case two times both hung juries. Based on the fact that no jury could convict the Defendant the State of Florida finally dropped the DUI and the Defendant plead to reckless driving with no conviction for DUI.

Manatee County, FL

No Conviction on DUI Charges with BAC of .149

The defendant was stopped for changing lanes without signaling in Sarasota County. The trooper noticed signs of impairment and conducted a DUI investigation. The Defendant was subsequently arrested and blew a .149 and a .138. Darren Finebloom subpoenaed the officer to the DMV hearing in order to obtain testimony that no traffic violation was committed by the Defendant’s change of lanes. Once obtaining that testimony Darren Finebloom filed a motion to suppress and the State reduced the DUI to a reckless driving with no DUI conviction.
Sarasota County, FL

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Source: http://docphy.com/hobbies-activities/politics-social-issues/law/helpful-videos-getting-dui-florida.html

The 5 Best 0% Balance Transfer Credit Card Offers

Credit card issuers have been using 0% introductory rates as a marketing incentive for years. These interest free offers can apply to purchases, balance transfers, or both. Several years ago my wife and I used 0% balance transfer offers to get out of debt. We kept transferring the balance to another card offering no interest until our debt was paid off.

It turns out that we weren't alone. According to one study published by the Finance Department of The Wharton School of the University of Pennsylvania, "in the early 2000s, as much as 17% of credit card balances were transferred annually by consumers seeking better terms."

Yet not all balance transfer offers are created equal. Some cards offer the 0% introductory rate for a longer period of time than others. And in rare cases, you'll find a card that doesn't charge a balance transfer fee. To that end, in this article we'll look at five of the best offers currently available.

Note that the interest rates and other terms listed below are as of April 25, 2015. These terms can and do change frequently, so be sure to check the terms on the credit card issuer's website before applying. You can also find a regularly updated list of balance transfer options here.

1. Chase

The Chase Slate makes this list as the only option without a balance transfer fee. The introductory rate doesn't last as long as the cards offered by Citi, but 0% for 15 months with no balance transfer fee is a solid offer. To get the no fee deal, however, the transfer must be completed within the first 60 days of account opening. After 60 days, Chase does charge a 3% transfer fee ($5 minimum).

After the 0% introductory period, the interest rate will go to a variable rate of between 12.99% and 22.99% based on creditworthiness. Like the Citi cards, there is no annual fee. Chase Slate also provides members with their free monthly FICO score, as well as zero liability protection, fraud protection and fraud alerts, and purchase protection.

2. Citi

Citi gets the top slot because it offers 0% for 21 months. This is the longest 0% offer currently available. The balance transfer must be completed within four months and there is a transfer fee of 3% of the balance transferred (minimum $5). The 21-month deal is offered on two Citi cards, the Citi Simplicity card and the Citi Diamond Preferred card.

Citi Simplicity Card: This card offers 0% on both balance transfers and purchases. It charges no annual fee, late fees or penalty rates. Once the 21-month period expires, the interest rate will go to a variable rate of between 12.99% and 22.99%, depending on creditworthiness.

The Citi Simplicity card also offers $0 liability on unauthorized charges, Citi Identity Theft Solutions, an extended warranty of up to 5 years and up to $10,000 per year on certain purchases, worldwide car rental insurance for theft or damages up to $50,000, and travel and emergency assistance before or during a trip. Citi cards also work with Apple Pay - pay in-app or at over 200,000 stores with the iPhone 6, or in-app with the iPad Air 2 and iPad mini 3.

The card also comes with Citi Price Rewind, a benefit in which Citi will search for a lower price for up to 60 days after you make a purchase, then refund up to $300 per item, or up to $1,200 per year.

Citi Diamond Preferred Card:  Just like the Citi Simplicity Card, this card offers 0% on both balance transfers and purchases, and also comes with no annual fee, late fees or penalty rate. Once the 21-month period expires, the rate goes to a variable rate of between 11.99% and 21.99%, depending on creditworthiness - 1% better than the final rate on the Citi Simplicity Card. Citi Diamond Preferred Card offers all of the same services that are available on the Citi Simplicity Card.

3. Discover

Discover offers a card that combines 0% balance transfer terms with up to 5% cash back. Called the Discover it card, it comes with a 0% balance transfer for 14 months with a 3% transfer fee. There is no annual fee, no over limit fee, no late fee on your first late payment, and a promise that paying late won’t raise your APR. After the 14 month intro period, rates of between 10.99% and 22.99% will apply, based on creditworthiness.

Discover it offers 5% cash back - up to $1,500 - on spending categories that change on a quarterly basis. For example, in the current quarter, the category is restaurants and movies. They also provide 1% cash back on all other purchases, with no cap.

Rob Berger founded Doughroller.net, a personal finance website, allcards.com, a credit card and banking website, and Dough Roller Money Tips, a free weekly newsletter.

Discover also provides a Freeze It tool that enables you to freeze or unfreeze your credit line if you lose your card. The card comes with Discover’s free FICO credit score, included on your monthly statements, online and on your mobile app. And Discover's $0 Fraud Liability Guarantee means you won’t be responsible for unauthorized charges on your card.

4. Capital One

Capital One has several 0% balance transfer card offers. The standout offer is the Platinum Prestige card. It offers 0% on both balance transfers and purchases for about 15 months. There is no annual fee, but there is a 3% fee on balances transferred. After the 0% introductory period, a variable rate of between 10.9% and 20.9% will apply, depending on your creditworthiness.

Much like the Discover-it card, the Platinum Prestige comes with access to your credit score, referred to as Credit Tracker. The card also offers $0 Fraud Liability, an extended warranty program, auto rental insurance, travel accident insurance, and price protection features.

5. U.S. Bank

U.S. Bank has several credit cards on which they are offering 0% balance transfers. Most provide the 0% rate for nine months, but they have two credit cards that offer it for 12 months each.

U.S. Bank Visa Platinum Card: The 0% introductory offer applies to both purchases and balance transfers for the first 12 months. After the intro period, a variable rate of between 9.99% and 20.99% will apply, depending upon your creditworthiness. The card comes with no annual fee, and offers zero fraud liability, fraud protection (notifications of unusual activity), and automobile rental insurance. However there is a balance transfer fee, which is the higher of 3% or $5.

U.S. Bank Perks + Visa Signature Card: The basic offer is similar here, with a 0% introductory rate for the first 12 months on both purchases and balance transfers, no annual fee, and an applicable balance transfer fee, which is the higher of 3% or $5. After the intro rate expires, the APR is slightly higher on this account, ranging from 11.99% to 21.99%.

The U.S. Bank Perks + Visa Signature Card offers many of the same features as the Visa Platinum Card, except for automobile rental insurance. Instead, the card offers “Perks and Rewards”, including 2X points on gas and grocery net purchases, and 1 point for all other purchases. You can redeem your points for brand name merchandise once you’ve accumulated 1,700 points. You can also redeem them for gift cards once you reach 2,500 points, cash back at 5,000 points, and one airline ticket with a value of up to $400 once you reach 25,000 points.

Each of the offers from these five banks are worth considering. But it may come down to the length of the 0% introductory offer, in combination with the various perks and benefits that each card offers.

Rob Berger founded Doughroller.net, a personal finance website, allcards.com, a credit card and banking website, and Dough Roller Money Tips, a free weekly newsletter.

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Source: http://docphy.com/business-industry/personal-finance/credit-cards/5-best-0-balance-transfer-credit-card-offers.html

Accounting and Financial Management (AFM) degree requirements

In your first-year, you will complete 2 study terms and take 5 courses each term. For both the fall and winter terms of your first year, your required courses will be scheduled for you. Starting July 21, you will be able to view your class schedule on QUEST.

Elective information for students entering in Sept 2016 (Class of 2021)

You will have at least 8 electives throughout your 4 years of the AFM program. The exact number will depend on the professional designations that you choose to pursue as a part of your AFM degree. There are many options regarding the use of your electives.

minors (entrepreneurship, international studies, languages, etc.)
exploring your passions or new areas of interest
pursuing both a CPA and CFA designation
gaining further knowledge in accounting and/or finance (Analytics, Internal Audit, etc.)
Click here to see the 2016-2017 Academic Calendar Degree Requirements for AFM students.

First year course schedule

Fall (1A) Term	Winter (1B) term
Accounting and Financial Management (AFM) 101 - Introduction to Financial Accounting	AFM 102 – Introduction to Managerial Accounting
AFM 131 - Introduction to Business in North America	AFM 121 – Introduction to Global Financial Markets
MATH 109 - Mathematics for Accounting & Finance	Statistics (STAT) 211 - Introductory Statistics
Economics (ECON) 101 - Introduction to Micro Economics	Speech communication (SPCOM) 111 – Leadership, Communication and Collaboration
Economics (ECON) 102 - Introduction to Macro Economics	Elective

Notes:

• You will automatically be enrolled in your 9 required first year courses as listed above


• AFM 101, AFM 131, MATH 109 and ECON 101 must be completed in 1A


• If you choose to use the first year elective in 1A, you should contact Aziza Chaudhry at a46chaudhry@uwaterloo.ca for approval. ECON 102 will then be taken in the 1B term. You will be able to make changes to your course selection beginning July 21st.

Course breakdown

Co-op work/Study sequence

Sequence of courses/degree checklist

CPA and CFA combined path

Sequence of courses: 2017, 2018, 2019, 2020, 2021

Degree checklist for the class of: 2017, 2018, 2019

Commonly asked questions:

Am I allowed to complete my entire first year in AFM even if my first term goes poorly?
What happens if you do not meet the minimum average requirement?
What is a conditional term?
What is the English Language Proficiency Exam (ELPE)?
I failed the ELPE what should I do?
Can I do a minor along with my major?
Can I do a joint honours or double major?
Can I have the SAF evaluate my degree progress?
Who do I contact if I'm having enrolment issues or need a course override?
What's are the requirements for progressing into Master of Accounting (MAcc)?


Source: http://docphy.com/business-industry/higher-education/accounting-financial-management-afm-degree-requirements.html

Ph.D. in Counseling

The Ph.D. in Counseling program prepares students to work as advanced practitioners, clinical supervisors and counselor educators in clinical and academic settings. The program emphasizes student contribution to the counseling profession through research while understanding and addressing the societal changes of today's communities. OSU's program is CACREP-accredited and aims to prepare graduates to be leaders and advocates for change.

This doctorate program is offered by the Oregon State University College of Education and online courses are delivered by OSU Ecampus.

Participants

Applicants are required to have a master's degree in counseling or closely related field, which can be applied toward your Ph.D. total credits. Interested students must have a commitment to solving critical human problems in our increasingly diverse world.

Collaborative cohort model

As a Ph.D. in Counseling student, you become a member of a supportive and active cohort of peers. Past participants have included working professional counselors from Oregon, Washington, California, Hawaii and Alaska. Each student is guided by a department professor or advisor throughout this three- to five-year (post-master's) doctoral degree program.

Online/face-to-face hybrid format

The program operates as a "hybrid" program involving both face-to-face and online instruction for each course. Face-to-face classes occur only twice each quarter in a Friday through Saturday block in Wilsonville, Oregon. Because the face-to-face course location is in the Portland metropolitan area, it is easily accessible from the Portland International Airport and surrounding regions, making it possible for out-of-state students to participate.

This is not a teacher or professional licensure program

In compliance with an agreement with the Oregon Higher Education Coordinating Commission for participation in the State Authorization Reciprocity Agreement (SARA), Oregon State University provides information regarding professional licensure through distance education. The courses and programs, delivered online by OSU Ecampus, are not formally approved for professional licensure outside of the state of Oregon.

To determine whether these courses or programs meet licensure requirements in your state, you must contact the appropriate licensing board(s). Visit our license disclosure webpage for each state's contact information.

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Source: http://docphy.com/business-industry/higher-education/ph-d-counseling.html

Over 21 Years Fighting DUI-Call Toll Free: 1-877-213-4453

What drives Matthew to obtain the best results for his clients is the desire to win and save his clients from the stigma of a DUI and the consequences that flow therefrom: Here is one recent comment posted by an actual client: "Matt saved me on a DUI. He made a deal with the prosecutors even after they told him none would be made. He stuck to his non-argumentative advocacy of my case, figured out a couple technical points to file motions about (thus making more work for the prosecutors should we go to trial), and ultimately got them to cave to a lesser charge of "wet reckless". This saved me money, and moreover, prevented me from having to get the dreaded "blow device" installed in my car. Matt had already been paid his fee, so he had nothing more to gain, and could have easily just allowed me to take the stiffer penalty, but HE DID NOT GIVE UP. Am super satisfied and full of gratitude for Attorney Matthew Ruff".

Here is another actual client review posted on Yelp: "I started fighting my DUI with a different attorney who, unfortunately, passed away. Matthew Ruff was kind enough to pick up where that good gentleman left off, despite having an already full caseload. While waiting outside the courtroom to speak with him about my case for the first time, I saw another attorney approach him and ask him for advice; that's when I knew I had the right man on my side. When my brothers, (who were also my witnesses), saw him for the first time they joked that he had "lawyer swag". He was very confident and when facing a criminal case you want someone who is confident in their ability. I was ridiculously nervous but he never seemed to be, and that helped put me a little more at ease. When I was at my wits end and just wanted it to be over, I was willing to take the deal that was being offered. He told me he never recommends someone take a deal just because they're frustrated. And I'm so glad that I didn't. When I think back to all of the people I watched stand up in front of the judge, their lawyer beside them, plead guilty or no contest I'm thankful for the fact that I had Matt. He could've let me take the plea so he didn't have to deal with a trial. That could have been me, stuck in 9 months of DUI classes, paying tons of money that I don't have in fines and court fees. Instead, my case didn't even make it to trial because of a motion Mr. Ruff filed that the judge granted, and my case was dismissed. This whole ordeal was one of the worst experiences of my life - I'd never been to court for even a traffic ticket and had now been arrested and spent Christmas day in jail instead of with my children. The stress of wondering what was going to happen and whether or not I would ever be able to get a teaching job once I finished my program was emotionally exhausting. Matt Ruff has my most sincere gratitude for bringing it to an end and restoring my piece of mind. I truly can't thank him enough".

Matthew stays in touch with all of the latest scientific studies related to dui enforcement in California. For example, Recently the University of San Diego launched a prolific study on cannabis and how it impairs driving ability. The study seeks to find levels of THC at which everyone is too high to drive. One of the biggest problems associated with the study is that the United States Government classifies pot as a schedule 1 drug with no medicinal value, therefore getting the marijuana to administer the test subjects will likely be a challenge given the national agencies involved in the project. Unlike alcohol which has set per se levels at which all drivers are considered under the influence, marijuana lacks the nexus between set levels of THC and known impaired ability.

Attorney Ruff knows all of the ways the cops, labs and prosecutors cheat in drunk driving cases is what sets Matt apart from most lawyers. For example, Did you know that the testing equipment used to capture and report a person's blood alcohol level is prone to error for many different reasons. For example, most breath machines used by police departments in California work under the "assumption" that the subject is a "normal" person with normal characteristics. However, these assumptions often falsely report a large segment of the population. One major way the devices fail to accurately measure a true blood alcohol level is due to the assumed temperature of the person blowing into the device. If the subject has an elevated body temperature the breath tester will overstate the BAC by about 8% for every degree above "normal". Therefore, a person with a high temperature due to fever, flu, cold or infection who blows a .08 or .09 can very likely be falsely charged with DUI even though they are innocent.

In particular, breath machines are prone to certain kinds of error known as "variation from value". This error stems from sloppy accuracy test checks done by law enforcement. Here is how it can falsely report a subject's true BAC: When the device is checked it is done using a simulator solution with a known value of alcohol, this solution is run through the device and the reported value should be exactly the same as the known value, but often it is much higher, this is known as a vacation of value. The problem arises in low BAC cases where a person may be reported as a .08 when in fact they are a .07. The only way to know this is to subpoena the records and check, but many attorneys don't do it. Matthew does and has beat a number of cases on this little known dirty little secret in the law enforcement community. Anyone arrested for DWI or drunk driving should contact a lawyer to discuss this and a litany of other errors that can occur with blood or breath alcohol testing.

4 Reasons Matthew Ruff Is The Attorney You Need To Defend Your DUI

1. Matthew has defended well over 4000 DUI and Criminal cases with 21 years experience fighting driving under the influence charges for his clients. This experience makes a BIG difference in how your case is resolved. 100% of his practice is a DUI, criminal charges and DMV hearings. Unlike many other lawyers, he does not handle other cases such as divorce, personal injury, bankruptcy, etc. He is a "master of DUI" which is why he is rated 10/10 by the nations largest attorney rating service AVVO and an exemplary record with the California State Bar. Experience counts, hire the lawyer with 2 decades of case law under his belt. Matthew has taught other lawyers on DUI and DMV defense in seminars and other training courses. Matt routinely attends training on new techniques for defending these cases so that he may be "up to date" on any new developments in science or the machines used to determine your blood alcohol level. He is considered an expert in the inner workings of breath testing equipment in the state of California. He belongs to all major organizations devoted to the education and he support of DUI defense and protection of crucial Constitutional Rights.

2. Matthew is an active member of the National College of DUI Defense. This organization is committed to the mastery of all legal aspects of impaired driver defense. When choosing to hire a lawyer to defend your case you should inquire whether the practioner belongs to NCDD as this is a strong indicator that he or she takes these cases seriously and is actively involved in keeping up to date with all the latest techniques, new case law and trends.

3. When you hire the Law Office of Matthew Ruff you get Matthew as your lawyer. Unlike many other firms, the person you talk to on the phone may not be the person representing you, you may speak to the experienced attorney who signs you up only to discover that another stranger is appearing for you in Court and at the Department of Motor Vehicles, or you get "passed off" to other lawyers within the firm throughout the course of the case. This will NEVER happen when you hire Matthew Ruff, in fact he gives you his cell phone number when you hire him so that you can speak to him directly when you have questions, concerns or require updates about your case. You will NEVER be "passed off" to a paralegal, case manger or secretary.

4. NO HIDDEN COSTS. Matthew charges a flat fee for all substantive representation in the case. The fee includes handling all Court appearances in criminal court and the DMV license suspension hearing associated with the arrest which takes place at the Driver Safety Office of the DMV. Prior to commencing any services you will be provided a written contract that will spell out exactly what fees will be required

Matthew has received dozens of five star ratings by all major review sites in his 21 years of practice, here is a recent example of a satisfied client's review: "My wife retained the services of Matthew Ruff to represent her in a tough DUI case. Her situation was unfavorable at best, however Mr. Ruff exceeded our expectations in representing her and we ended up with a favorable conclusion to the case in 2015. I recommend this attorney based on our experience and he well deserves a five star rating!"

If you are reading this right now it is probably because you or a loved one has been arrested for a DUI in California. This wesite was designed to give you the critical information and resources necessary to understand the basics of Driving Under The Influence charges and its potential consequences and mandatory penalties. After you are arrested and facing a Court date you need to choose a qualified DUI lawyer quickly, unlike many other crimes where you can wait until your arraignment, this state punishes those who fail to take immediate action and affirmatively request a hearing to challenge their license suspension. A competent and skilled California Defense Attorney will be able to evaluate your situation and set an effective strategy to get you the best result possible. Matthew Ruff can answer your questions about DUI law and the potential consequences one may face. Be aware that not all lawyers have the experience and PROVEN TRACK RECORD to represent you on a DUI, Attorney Matthew Ruff has successfully represented those charged with operating a motor vehicle while impaired and DRUNK DRIVING for over 20 years with Offices in Central and Southern California. He welcomes your call for cases in Torrance, Bakersfield, Redondo Beach, San Luis Obispo, Los Angeles and all of California. You have come to the right place to get the important legal information you need to know about CA driving while intoxicated Law and appearing in Court for your DUI . View Matthew Ruff's client reviews on AVVO.

Contact DUI Attorney Matthew Ruff now, toll free at 1-877-213-4453

Question Of The Day: How does my GERD affect a breath test? GERD is a medical condition which causes chronic heartburn. It is caused by the backward flow of stomach contents into the esophagus due to a weak or damaged hiatal sphincter. A person with this disease is not a good candidate for breath testing if they had a recent drink of alcohol. Why? Because breath machines are based on an assumption that the sample being tested is "essentially alveolar" air or air that comes from the deepest recesses of the lungs near the alveoli air sacs. If the sample is mixed with stomach contents due too GERD then the test is compromised. The studies in the area are mixed but the scientific consensus is that it may have a detrimental impact on achieving a person's true BAC. Matthew is proficient with the science and law in the area, he has experienced presenting the defense to a jury and has obtained a "not guilty" verdict with a client that blew .14 into a breath machine with the medical condition.

A person's health may also impact other ares of a DUI investigation. For example, if a suspected drunk driver has an elevated body temperature due to a case of the flu then it will have a deleterious affect on the breath test. The reason for this is that the machine presumes the temp of the patient is within normal ranges, if the temperature is elevated it will naturally raise the reported BAC anywhere from 5-15 percent.

There have been many changes in the laws pertaining to DUI defense in the last few years. For example, our U.S. Supreme Court handed down a landmark decision that changes the way cops can obtain a blood sample from suspects. For the last decade the police have been incresing their use of "forced blood draws", holding people down and forcibly extracting a blood sample without the person's consent. The Justices put a stop to that in the Mcneeley case and now command the police to obtain a search warrant unless consent is obtained. Moreover, the way in which the blood is drawn must now comport with Constitutional standards and is subject to attack. the bottom line is that if you have been arrested and the police took blood from you, there is a good chance there may be a challenge to that evidence in Court. Just this year the Justices again handed down a landmark case that know permits law enforcement to pull over a motorist based soley on an anonymous tip that the driver may be impaired. Cases such this further evidences the fact that there is a "DUI Exception" to the Constitution in the United States.

It is important for someone arrested for DUI or Drunk Driving to call a Lawyer within 10 calendar days after the arrest in order to avoid mandatory license suspension consequences. This applies to persons with a California license as well as those with out of state driver's licenses. If the individual waits until his or her Court date the driving privilege will have already been suspended and there will be no ability to obtain a hearing to fight the suspension at the DMV. In most cases we can appear in Court and resolve the criminal charges without the client having to appear. We can also fight the DMV suspension without our client needing to testify or appear at the administrative hearing. We specialize in defending DUI charges for people who do not live in California or the city where the arrest took place. For example, if you were visiting Southern California and were cited for a DUI in Los Angeles, Redondo Beach, Torrance, Hermosa Beach, Bakersfield, Kern County, Manhattan Beach or traveling the beautiful central coast and stopped in Grover Beach or San Luis Obispo, we can represent you from start to finish and you may never need to return to go to Court.

Recent Case Results

On July 10, 2014 Matthew obtained an acquittal of all charges relating to an underage DUI in Santa Clarita Court. The case progressed to trial in order to obtain a disposition that did not result in any license suspension or DMV ramifications for the 20 year old client. Here are the facts of the case: A stop was made by the CHP on the 5 freeway for speeding and no front license plate. The officer claimed he contacted the driver and detected an odor of alcohol inside the car. He asked the occupants to exit and conducted field sobriety tests on the client along the roadsid. A preliminary alcohol screening breath machine was used and displayed a result of .07 and .06 BAC. The license was confiscated and the car was towed. Client was issued a citation for VC 23140 (driiving with a BAC above .05 while under 21 years of age. At trial Matt cross examined the CHP officer and elicited evidence that the breath machine was possibly unreliable and failed to comply with the manufacturer's guidelines and the evidentiary rquirements set forth in the California Statutes. The Judge found the 20 year old NOT GUILTY.

Matthew was hired by a client who worked for a major utility company in California. The accused was facing mandatory loss of his current position within the company that required that he possess a commercial license. The facts were that he was stopped while traveling on the 605 freeway around 2 a.m., heading home from a friend's house where he had consumed some wine after dinner. The CHP stopped him for speeding and weaving. He was given a breath test in the field which registered a .11% BAC. Matthew took his case and immediatly laid out a defense with the help of a toxicologist. The case was presented at the DMV hearing where he was able to obtain a "set aside" of the suspension of his license. Thereafter, in Court he filed various motions leading to the DA agreeing to dismiss the DUI charges and allow a plea to reckless driving in April 2014.

Mr. Ruff represented a young woman charged with DUI and a refusal allegation after failing to submit to a breath or blood test in Long Beach California. The police reported that the accused left a bar in Belmont Shore and drove while intoxicated until she stopped and was arrested at the scene following a 911 call. The client, a gudance counselor at a nearby University, faced a 1 year automatic license suspension due to the DMV action relating to the refusal. After a hearing in El Segundo Matthew got her license returned. In Court, Matthew filed a suppression motion asserting that his client's rights were violated by the police. In September of 2013 a Judge agreed with Mr. Ruff and threw out the case.

Matthew represents many clients in the area of DUI and drunk driving. Not every case results in the charges being thrown out and the case dismissed, however, there are a significant number of outstanding results for clients he defends. For example, in one noteworthy case he was retained to fight for a young man new to the state of California from North Carolina. The client was stopped by the CHP shortly before 2 am for not having a front license plate on his car. The officers observed an odor of alcohol, slurred speech, bloodshot and watery eyes and an unsteady gait when they contacted him. He was subsequently arrested for driving under the influence and was commanded to submit to a blood test. The test came back a couple weeks later as a .23% BAC. Matthew demanded a DMV hearing and challenged the stop of the client arguing that the accused was stopped illegally and his constitutional rights were violated, the DMV agreed and dismissed all charges against the client and returned his driving privileges. (Anyone reading this information must understand that each case presents its own unique defenses and challenges, just because a dismissal or great result was achieved in one particular case does not guarantee a similar result in your given situation).

Being Represented by the Right Lawyer Makes All the Difference

• The decisions made following an arrest will determine your future. You should not simply settle for a guilty plea because being convicted for a DUI or Drunk Driving can lead to job loss, a criminal record, and potential jail time. Here is why I am the right DUI Defense Lawyer for you:


• I am available to speak to my clients directly and provide my cell phone number to you at the outset of the case. I do not believe the client should have to go thru a legal secretary or paralegal in order to speak with their attorney.


• I am willing to discuss your case with you initially at no charge in order to assess and quickly determine your options regarding your drivers license, DMV consequences, Court action and possible employment consequences.


• I handle both big and small cases from alcohol related homicide and manslaughter to infractions such as open container, underage 21 DUI and public intoxication.


• I will immediately seek to have my client released from jail pending any Court appearance. Possible options are a release on the individual's own recognizance. Bail or electronic monitoring program. I believe having a client who is out of jail is essential to eventually prevailing in Court on the criminal charges.


• Unlike many other so called "DUI Specialists" I do not dump your case or twist your arm to enter a guilty plea. My philosophy is that every case has issues which may form the basis of a viable legal defense, the ultimate decision as to how far the case will go rests with the client.


• I have over 20 years of actual Court experience as a DUI attorney, former District Attorney Office experience and I am in DWI and criminal Court virtually every day and understand how Judges and prosecutors actually view criminal cases. This experience has given me clear insight into the thinking process of the people capable of dismissing the case against you.


• I will seek, whenever possible, to have the criminal allegations dismissed prior to the charges being filed, I will obtain a temporary license that will allow you to drive with full privileges pending the Administrative Per Se DMV hearing.


• I have an excellent reputation in the legal community as a top DUI attorney among the local Judges and Prosecutors.


• I will take the case to a jury trial if the facts and circumstances warrant it. I will pursue the "Not Guilty" or acquittal in the case if necessary.


• I keep my clients personally informed and convey the necessary information and advice crucial to allow the client to make important decisions regarding the case.


• I promise aggressive and diligent representation from the minute I am hired to represent you.


• I strive to avoid jail or any incarceration for my clients, even when they may be charged with multiple prior convictions, felony DUI, speed enhancements, child endangerment allegations, hit and run associated with the incident or have a pending probation violation.


• I have a proven track record of success (Dismissals and Set Asides at the DMV) in all types of drunk driving and alcohol related offenses.


• I have an A+ rating with the Better Business Bureau.


• Rated a "Superb" Lawyer by AVVO

Unlike other DUI Lawyers, I only practice criminal defense which is what a DUI is, thereby allowing me to focus on one area of law. I represent my clients in both the Criminal Court on the charges and at the DMV drivers license suspension hearing in order to protect their very important driving privilege.

What about representation for a minor for underage DUI? Well, Matthew has special expertise in defending young people accused of driving while above the legal limit in Torrance, Redondo Beach, Palos Verdes, Manhattan Beach and El Segundo, among the many cities in Los Angeles County. The law states that anyone under 21 who drives with any measurable amount of alcohol has violated state law and faces a mandatory loss of license. However, these cases have unique defenses that can result in a dismissal of the charges in Court and consequently the DMV. For example, recently Mr. Ruff got the case dismissed for a Palos Verdes Estates youth arrested in El Segundo. The lawyer successfully challenged the case in the Superior Court arguing that the breath test was inadmissible due to a failure of the state to show the machine was in good working order at the time of the test. You do not have to accept a DWI arrest as meaning your record is tarnished for good, matthew can help get the charges dropped or minimized if you want his help.

As a seasoned Torrance DUI Defense Attorney Matthew endorses the policy that no one should knowingly drive with any measurable amount of alcohol in a person's bloodstream. The reason I believe this to be a safe policy is not because it is illegal to do so, but it is due to the fact that most police and law enforcement agencies will arrest you if they detect any odor of an alcoholic beverage on your breath. Hopefully you will follow this advice, however for those who do not we give the following information for people contacted by a traffic cop behind the wheel after consuming an alcoholic beverage:

Quick Do's and Don'ts when being investigated for a DUI Charge

Do not disclose the number of drinks consumed, this information is requested for one reason only and that is so that you can be locked into a specific set of facts that may preclude defenses from being raised later

Do not agree to take any hand held Preliminary Alcohol Screening Device (PAS) Breath Test, unless you are under age 21 or are on probation for a DUI, the law does not require it. These devices are not accurate, they have the potential of spreading disease when bacteria builds uo inside the machine, and can only hurt your chances of prevailing in Court. By law, the arresting officer should admonish the driver that they can decline to take the PAS, but most police officers do not clearly advise the suspect properly. It is perfectly acceptable to ask the cop if you have the option of refusing the test.

Do not agree to submit to any Field Sobriety tests. First of all, they are not "tests" you do not get a score and they are completely subjective. Do not take them. Most experts agree that the "tests" are accurate in showing alcohol impairment, at best, in roughly 70% of the cases, that means at least 3 out of 10 drivers are falsely accused of DUI if the arrest is based solely on FST evidence.

Do not make admissions about your level of intoxication or sobriety. Remember, you have the right under the Constitution to remain silent-exercise that right! Saying "I feel a little buzzed" or the drinking "made me tired" is the same as saying you are guilty of driving under the influence.

Do not tell the officer where and when you were drinking. This information is used to deny you the chance of utilizing a rising blood alcohol defense in Court.

Do ask to speak to a Lawyer before answering any questions about drinking or your level on intoxication following a DUI traffic stop. You have the right to do this (the exception is choosing which test you will submit to, speaking to a lawyer before choosing the breath or blood test is not permitted in California).

Do take the breath test (not the PAS), when given a choice between breath or blood, upon being lawfully arrested. The breath test is easier to challenge than the blood test.

Do consult a DUI Lawyer immediately upon being released from jail. You must get the vital information about preserving evidence, securing vital witnesses and obtaining necessary Court dates and a temporary license.

Do not go to Court and try to represent yourself. Would you operate on yourself if you had a medical condition?

Do not delay in requesting a DMV hearing ASAP in order to save your drivers license after a DUI arrest. You have 10 days to avoid certain license suspension.

If you or someone you care about is facing a DUI charge, contact the DUI Attorney who fights for his clients.

Call DUI Attorney Matthew Ruff toll free at 1-877-213-4453.

Matthew Ruff Google Plus Profile

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Source: http://docphy.com/hobbies-activities/politics-social-issues/law/21-years-fighting-dui-call-toll-free-1-877-213-4453.html

10 Quotes on Cloud Computing That Really Say it All

Plenty has been said or written on cloud computing in recent years -- pro, con and somewhere in between. Periodically throughout the rise of cloud computing, there have been some real gems put out there, aptly describing what's on people's minds -- and maybe what was needed to be said.  Oracle CEO Larry Ellison's famous "fashion-driven" analogy back in 2008 is the stuff of legend, and makes this list, compiled below. Here are some memorable quotes and apropos quotes about cloud that that have surfaced over the years:

1) "First to mind when asked what 'the cloud' is, a majority respond it’s either an actual cloud, the sky, or something related to weather." - Citrix Cloud Survey Guide (August 2012)

2) "Ultimately, the cloud is the latest example of Schumpeterian creative destruction: creating wealth for those who exploit it; and leading to the demise of those that don’t." - Joe Weinman, Senior VP at Telx and author of Cloudonomics: The Business Value of Cloud Computing

3) "Cloud computing is often far more secure than traditional computing, because companies like Google and Amazon can attract and retain cyber-security personnel of a higher quality than many governmental agencies." - Vivek Kundra, former federal CIO of the United States

4) "Discontinued products and services are nothing new, of course, but what is new with the coming of the cloud is the discontinuation of services to which people have entrusted a lot of personal or otherwise important data – and in many cases devoted a lot of time to creating and organizing that data. As businesses ratchet up their use of cloud services, they’re going to struggle with similar problems, sometimes on a much greater scale. I don’t see any way around this – it’s the price we pay for the convenience of centralized apps and databases – but it’s worth keeping in mind that in the cloud we’re all guinea pigs, and that means we’re all dispensable. Caveat cloudster." - Nick Carr, author of Does IT Matter?, The Big Switch and The Shallows

5) "We believe we're moving out of the Ice Age, the Iron Age, the Industrial Age, the Information Age, to the participation age. You get on the Net and you do stuff. You IM (instant message), you blog, you take pictures, you publish, you podcast, you transact, you distance learn, you telemedicine. You are participating on the Internet, not just viewing stuff. We build the infrastructure that goes in the data center that facilitates the participation age. We build that big friggin' Webtone switch. It has security, directory, identity, privacy, storage, compute, the whole Web services stack." - Scott McNealy, former CEO, Sun Microsystems

6) "The interesting thing about cloud computing is that we've redefined cloud computing to include everything that we already do. I can't think of anything that isn't cloud computing with all of these announcements. The computer industry is the only industry that is more fashion-driven than women's fashion. Maybe I'm an idiot, but I have no idea what anyone is talking about. What is it? It's complete gibberish. It's insane. When is this idiocy going to stop?" - Larry Ellison, chairman, Oracle

7) "I don't need a hard disk in my computer if I can get to the server faster... carrying around these non-connected computers is byzantine by comparison." - Steve Jobs, late chairman of Apple (1997)

8) "Line-of-business leaders everywhere are bypassing IT departments to get applications from the cloud (also known as software as a service, or SaaS) and paying for them like they would a magazine subscription. And when the service is no longer required, they can cancel that subscription with no equipment left unused in the corner." - Daryl Plummer, Gartner analyst

9) "If you think you've seen this movie before, you are right. Cloud computing is based on the time-sharing model we leveraged years ago before we could afford our own computers. The idea is to share computing power among many companies and people, thereby reducing the cost of that computing power to those who leverage it. The value of time share and the core value of cloud computing are pretty much the same, only the resources these days are much better and more cost effective." - David Linthicum, author, Cloud Computing and SOA Convergence in Your Enterprise: A Step-by-Step Guide

10) “Flying by the seat of the pants must have been a great experience for the magnificent men in the flying machines of days gone by, but no one would think of taking that risk with the lives of 500 passengers on a modern aircraft. The business managers of a modern enterprise should not have to take that risk either. We must develop standard cloud metrics and ROI models, so that they can have instruments to measure success.” - Dr. Chris Harding, director for interoperability and SOA at The Open Group


Source: http://docphy.com/technology/computers/software/10-quotes-cloud-computing-really-say.html

The Tampa Personal Injury Attorney Who Keeps You Informed

If you call a Tampa Personal Injury Attorney at Kemp, Ruge & Green Law Group , then you will get a response within 24 hours. The main reason we can ensure our 24 HR Call Back Guarantee is that our personal injury clients do not often have to call us with questions. Why…because our attorneys are extremely proactive in keeping them up-to-date with every development regarding their Tampa injury case.

We do not let our clients linger. We contact them the moment there is any change in their case status, but that is not all. Our attorneys know that sometimes cases will take a long time before there are any changes in status, but most of our clients do not. Most clients have never hired a personal injury attorney before.

Therefore, if we have not spoken to one of clients in a couple weeks, we make sure to contact them even if there is no update in their case status. Our clients have so much going on with the stress and pain that personal injuries create that they need to know their law firm is on their side. They need to know their law firm is fighting for their rights and their future. We let them know this, and we let them know we care.

If you know people who have hired a Tampa personal injury attorney in the past, ask them how often they were contacted? Ask them how often their Tampa accident lawyer called them just to check in? Ask them how often they had contact from their law firm at all? We are confident if you ask these questions, then you will understand the uniqueness of our firm and the dedication we show our clients.

Tampa Personal Injury Lawyers Who Stay in Touch:

No attorney can answer every client’s call every time they call. However, a good attorney, especially a good personal injury attorney, should return your call promptly. Sadly, we have found most do not. It is for this reason so many of our clients were former clients of other Tampa personal injury lawyers who were not staying in touch with them.

As you can see from our logo at the top of the page, we have a 24 HR Call Back Guarantee that ensures you will get a response from us in a timely manner. We know the personal injury process can be a long one, and at times, a confusing one. You will have questions. We will have answers, and we will get them to you expediently.

Transparency You Can Trust:

Our Tampa personal injury law firm is committed to being as upfront with you as possible about who we are, what you can expect from us and what makes us different. It is why we focus on explaining the personal injury policies we have that make us special in our field and not the ones pretty much all injury lawyers use. However, we do want to make sure everyone is aware of two extremely common policies: “No Fee Unless You Win” and “Free Consultation.”

NO FEE UNLESS YOU WIN:

This is a standard industry practice for any personal injury law firms in Tampa (including ours) or anywhere else in Florida. We find it is misleading to act like we are doing anything better than other attorneys regarding the “No Fee Unless You Win” policy, because it is so common. Therefore, we do not cite this policy as a major reason to hire us. However, in case you do not know that this is how most personal injury cases are handled, we wanted to make sure you are informed.

FREE CONSULTATION:

Much like the “No Fee Unless You Win” policy listed above, you should be able to get any Tampa car accident attorney to give you a free consultation.
If you have not done a lot of research on whom in Tampa should handle your personal injury case, then these two polices could seem quite impressive. You may not know that they are on most personal injury attorneys’ websites and banners. While we gladly would like you to call us today, more importantly, when you decide who you should hire, make sure they can offer you more than just the industry standards.

Our Accolades:

The “trophies” do not matter to us; only our clients do. However, they do serve as a simple illustration of just how committed we are to client satisfaction, legal expertise and community involvement. Without diligently focusing on those three points, we would not have garnered the acclaim we have. Here is a small sample:

Inc. 5000 – named one of the fastest growing privately held companies in the nation for the past two years…and the ONLY personal injury law firm in Tampa to do so.

2014 Bright House Regional Small Business of the Year Top 10 Finalist – based on our growth, stability, vision, innovation and community outreach we placed in the Top 10 for small businesses from the entire region (Citrus, Hernando, Hillsborough, Manatee, Pasco, Pinellas, Polk, Sarasota counties)…and we were the ONLY law firm in the top 10.

Million Dollar and Multi-Million Dollar Advocates Forum – These forums are a distinction less than 1% of all attorneys nationwide have. An attorney must have been lead council on an injury settlement or jury verdict that exceeded one million dollar (for the Million Dollar Advocates Forum) or two million dollars (for the Multi-Million Dollar Advocates Forum).

Our personal injury attorneys in Tampa have recovered millions for our clients, and because of this, we have members of both the Million Dollar and Mult-Million Dollar Advocates Forum ready to handle your personal injury case.

Our Understanding of Tampa Accidents:

To illustrate our extensive knowledge of personal injury cases in the area, we have put together an up-to-date map of the most dangerous intersections in Tampa. We extrapolated the data from Hillsborough County Sheriff’s Department accident reports of the whole county, and then narrowed down the intersections to those only within Tampa limits. The Hillsborough County Sheriff’s Department usually does not handle cases in downtown Tampa, South Tampa, Davis Island or along I-275, I-75 or I-4.

Therefore, this is not an all-inclusive map of every accident in Tampa, but rather the ones handled by the Hillsborough County Sheriff’s Department. Here are intersections that had the most crashes in Tampa for the month of October, 2015:

• West Linebaugh Avenue and Gunn Highway – 15 auto accidents/li>


• Hanley Road and West Waters Avenue – 11 auto accidents/li>


• Anderson Road and West Waters Avenue – 11 auto accidents/li>


• Fletcher Avenue and North 46th Street – 10 auto accidents/li>


• Fletcher Avenue and North 22nd Street – 10 auto accidents/li>


• Fletcher Avenue and North 15th Street – 10 auto accidents/li>


• Sheldon Road and West Hillsborough Avenue – 9 auto accidents/li>


• Bruce B. Downs Boulevard and East Bearss Avenue – 8 auto accidents/li>


• East Fletcher Avenue and North Florida Avenue – 8 auto accidents/li>


• East Fletcher Avenue and Bruce B. Downs Boulevard – 8 auto accidents

Notice how these intersections stretch all across Tampa. It is important to hire a Tampa personal injury attorney who knows the whole area, not just downtown, not just South Tampa or New Tampa, but all those areas and everywhere in between.

We have had clients come who were injured in a Tampa accident right outside of the University of South Florida, the International Square Mall, the Muvico Starlight 20, on the crosstown heading to Brandon and so many other prominent locations throughout the Tampa area. However, not all personal injury cases are auto related. Here is a complete list of what our lawyers in Tampa handle.

Cases our Tampa Personal Injury Law Firm Handles:

Auto Accidents
Boating Accidents
Car Accidents
Catastrophic Injuries
Dog Bite Injuries
Motorcycle Accidents
Nursing Home Abuse
Slip & Fall Accidents
Spinal Cord Injuries
Truck Accidents
Wrongful Death

Testimonials:

Take a moment to read a few of our testimonials from previous Tampa residents and just how happy they were to have selected us as their Tampa personal injury attorney.

3 Common questions about Personal Injury law:

We have a whole list of frequently asked questions to help you better assess your needs and what to expect when searching for the right personal injury attorney in Tampa. However, a few questions we are asked are so common, we will share them with you here. Tampa Personal Injury Attorney Stacy Kemp provides clear, straightforward answers to these questions.

WHAT IS NEGLIGENCE?

A major portion of a personal injury attorney’s job is establishing the negligence of the other party. It is important to note, that negligence is only for unintentional acts or accidents. If someone rear-ends your motor vehicle because he or she was texting on the phone, then that is negligence. If someone intentionally tries to ram your car because you are not driving fast enough, then that is not negligence.

HOW IS FAULT DETERMINED?

There are so many different ways to determine fault in a Tampa accident. If you were involved in an automobile accident, we would gather everything about the vehicle involved, the intersection, and witness statements. We would also comb through the police report, traffic cameras and if necessary, hire an accident reconstructionist to prove the fault of the other party.

If you were in a slip-and-fall, we would subpoena all footage from the area you fell whether it is security cameras located where you fell or across the street. We would check the company’s history to see how long they had known about the hazard that caused your injury and we would also gather any and all eye witness statements possible.

Those are just a few examples of all we can do to help determine the fault of the other party.

WHAT DAMAGES CAN I GET?

After establishing negligence and determining fault, you are entitled to a wide variety of damages that you can collect for your personal injury claim. If your body is injured whether it is through disfigurement, scarring, burning, etc., then you can seek damages. If you have suffered or been in pain because of your injuries, then you can seek damages. If you have suffered mental anguish trying to deal with what happened to you (through no fault of your own) you can seek damages. And, of course, you can seek damages for both your current medical bills and future ones, as well.

3 Common questions about dealing with Insurance Companies:

DO I NEED TO INFORM MY INSURANCE COMPANY?

Yes, you absolutely need to contact your insurance company, but you certainly do not have (nor should you) talk to the other party’s insurance company. Once you call your insurance company, just get the claim number and give it to your personal injury attorney. After that, your attorney will handle it from there.

DO I NEED TO GIVE A RECORDED STATEMENT TO THE OTHER PARTY’S INSURANCE COMPANY?

This depends on which insurance company is asking for the recorded statement. If it is your insurance company, then, yes, you do need to do the recorded statement. If it is the other insurance company, then you need to speak with your attorney first before ever doing a recorded statement with them.

WHAT HAPPENS IF I ALREADY GAVE A RECORDED STATEMENT?

Insurance companies push to get recorded statements quickly because they want to get you before you have sought any legal counsel. The average person may not know to list all their injuries, all the pain they are going through and how much of it they are experiencing.

Plus, a lot of people do not feel comfortable opening up to a complete stranger on the phone about everything they are going through with their suffering. Unfortunately, giving a recorded statement before speaking to an attorney can hurt your case…but good attorneys can still find a way to get you what you deserve.

We have helped several Tampa area clients who made the mistake of giving a recorded statement before hiring us recover top dollar for their injuries. It is more difficult, but we happily take on these challenges.

3 Common questions about the personal injury process?

WHO PAYS FOR THE DAMAGE TO MY VEHICLE?

Assuming you have insurance (and are therefore driving legally) it is just a matter of determining fault. If you were responsible for the car accident, then your insurance would pay for the damage to your vehicle. If the other driver is responsible for the car accident, then his or her insurance would pay for the damage. Now, if the other driver does not have insurance (and this does happen a lot in Florida), then your insurance company still may pay the damage provided you purchased the appropriate coverage.
What documents do I need to bring my attorney?

WHAT DO I NEED TO BRING TO MY ATTORNEY?

In short, anything you have that supports your personal injury claim of negligence against another party. Some of the usual examples are the driver’s exchange that the law enforcement officer will provide you, if you were in a car accident. You would need to bring your auto/health insurance cards and your insurance policy.

Also, any photographs you have of the area can be a major help to your case. If you come to our law firm, then you do not need to print out the photographs. We can download them from your phone for you or you can email them to us and we can print out high quality images at our office.

In the moments after a personal injury of any kind, we know it can be hectic to remember all of this. So, we created a special free app available for both android and iPhone users. It will walk you through step-by-step what to do following your injury. It will have everything from contact fields for witness information to a simple one button email send to compile all your information.

DO I HAVE TO GO TO COURT TO RECOVER DAMAGES?

Our personal injury attorneys in Tampa prepare extensive documentation and vigorously negotiate with the insurance companies to avoid the expense and time of going to court. Most Tampa injury cases, regardless of the lawyer hired are settled pre-suit (or before going to court).

When you have an attorney who puts forth the work in the beginning like we do, not only do you get the best possible financial outcome for your injury settlement, you also get your money faster and with less attorney fees. So you end up with even more money in your pocket.

Granted, sometimes litigation (or going to court) is an absolute necessity if an insurance company is not willing to pay you what you deserve for your damages. In those cases, we are ready and willing to seek litigation. However, for the most part, you do not always have to go to court to recover damages.

Giving Back:

Our attorneys believe that an exemplary law firm does more than just provide excellent representation to victims of personal injury; it also gives back to the local community to improve the lives of everyone in it. As Tampa personal injury attorneys, we dedicate ourselves to contributing both our time and financial support to the Tampa area. Here are just a few examples of what we do in your community.

This past October, we became the Premier Pink Sponsor for Making Strides Against Breast Cancer – Pasco, held at Wiregrass Mall. We have done numerous events to benefit the American Cancer Society, and we were extremely impressed at the overwhelming turn out and support for this amazing cause.
Over 5,000 people attended creating close to 200 teams and raising nearly $200,000. If you have not had a chance to be at a Making Strides event yet, make sure you do so next year. We will be there, and we hope to see you too.

Every year, we sponsor the “Our Heroes Memorial Golf Tournament.” This event honors all the Tampa Police Officers killed in the line of duty, and all the proceeds go to the Tampa Police Benevolent Association Charity.

One of our partners, Robert A. Green Jr. served nine years as a Pinellas County Deputy Sheriff becoming one of Tampa’s most respected personal injury attorneys. Therefore, this event is very special to our firm and one we are privileged to support each year.

Most of the money we contribute to the Tampa community goes to non-profits, fundraisers, and local schools. However, we also like to mix it up with some simple, fun contests that anyone in the area can win.

Therefore, we purchase Bucs’ season tickets solely to give away to people in the Tampa area. The seats are in the 100 level near the pirate ship and we give four away to every single home game. You can enter the contest by just texting KRGLAW to 313131, and you are entered for the whole season.


Source: http://docphy.com/business-industry/personal-finance/insurance/tampa-personal-injury-attorney-keeps-informed.html

Data Centers Montreal

iWeb’s flagship Montreal data centers provide high-speed global connectivity via ISP peering in both New York and Toronto, with a Content Delivery Network option for serving website content from points of presence around the world. Montreal is also home to the iWeb Cloud.

Green Hosting

Our flagship Montreal data centers are 98% powered by hydroelectricity produced at just 4 grams of CO2 per Kwh, 56% less CO2 than wind energy and less than 1% than that of gas and coal. Free Cooling in our data centers uses ambient temperatures that are below freezing for around a quarter of the year.

Engineered by iWeb

When you host with iWeb you get more than just high specifications. iWeb works with only enterprise-class partners throughout our infrastructure, with a level of network and solutions architecture that has established iWeb as among the world’s leading technology providers.

Intel Platinum Partner

All iWeb dedicated and cloud computing is powered by the latest Intel technology.

Fueled by Solidfire

iWeb is fuelled by SolidFire SSD storage with guaranteed Quality of Service.

Microsoft Certified Partner

iWeb offers the highest level of Microsoft solution architecture and expertise.

OpenStack Corporate Sponsor

iWeb is a corporate sponsor of OpenStack, and Canada’s #1 code contributor.

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Source: http://docphy.com/technology/computers/software/data-centers-montreal.html

Cars for Cancer | One Company’s Triple Gift

Good things come in threes! One company’s committed efforts in raising funds for the Canadian Cancer Society has resulted in three separate vehicle Cancerdonations. That means over $1000.00 in monies toward a cause that impacts most of us — in big ways and small.

With many different options available when you’re ready to gift, sell, or dispose of your vehicle, we know that the ability to choose the charity that is most meaningful to you is an important part of the process. Cancer hits close to home for most of us. We value each of our receiving charities whose focus it is to research cures and support patients and families.

Company focuses giving efforts on the cause they care about

Our three-time donors began their partnership in 2011 when they donated a ’95 Silverado. The ol’ girl had a lot of kilometers on her, but our auction house was able to sell for a small profit. The company went on to donate a Ford Freestar and a Honda Pilot. We’re just wrapping up the math on the Honda, but the total for the three will add up!

These donors not alone in their fight. The Canadian Cancer Society offers this at-a-glance perspective on the reach of the disease:

If you are someone impacted by any of the diseases noted here, we have charities at the ready to put your gift to good work!

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Source: http://docphy.com/hobbies-activities/politics-social-issues/charity-causes/cars-cancer-one-companys-triple-gift.html

Promises Scottsdale

Promises^® Scottsdale  is an addiction, mental health, and eating disorders treatment program known for exceptional, gender-separate programming, an inspiring setting, and traditional and alternative therapeutic approaches. Located in Scottsdale, Arizona, and surrounded by the rejuvenating Sonoran desert, clients address underlying issues that contribute to addictions, eating disorders, and primary mental health conditions like anxiety, intimacy disorders, depression, and other mood disorders while learning critical relapse-prevention skills needed for long-term recovery.

Gender-Separate Programs and Residences

We realize that women and men have different needs in treatment. By offering gender-separate programs and residences, we provide clients the security and freedom to share openly and address similar issues among peers without feeling inhibited or distracted by the other gender.

Women’s House

Wandering paths, gardens and the restorative desert landscape provide a nurturing backdrop for clients in our women’s mental health and addiction program or our women’s eating disorders program. Our women’s house is down the street from our men’s residences in a peaceful neighborhood with comforts such as a fire pit, pool and hot tub.

Men’s House

Clients in our men’s addiction and mental health program reside in a separate, spacious residence that includes large bedrooms, welcoming indoor and outdoor community areas, and a pool. With desert views and a range of comforts, clients in our men’s program can focus on recovery in a relaxing and renewing environment.

Executive House for Men

Our executive program for men offers even more amenities for clients desiring the highest level of luxury and discretion. In this program, clients reside in a four-bedroom adobe house with beautiful views. The executive residence boasts large, private bedrooms, soaring ceilings, a fully equipped fitness center, pool and hot tub. Clients also enjoy a basketball court, putting green and comfortable outdoor seating areas.

Traditional and Alternative Treatment Options

We blend a variety of traditional and experiential therapies so that clients can find what heals them from all angles—physically, mentally and spiritually.

These include:

• Cognitive behavioral therapy


• Eye Movement Desensitization and Reprocessing (EMDR) and other trauma-focused therapies


• Individual therapy with a licensed, master’s-level therapist


• Group therapy


• Family program


• 12-step approaches and 12-step alternatives


• Equine-assisted therapy


• Psychodrama


• BrainPaint® — a neurofeedback program backed by scientific evidence that promotes long-term healing and recovery


• The Daring Way™ — a shame-resilience curriculum developed by Dr. Brené Brown, renowned research professor and author


• Art therapy and other expressive therapies


• Meditation, mindfulness and yoga

Women’s Eating Disorders Program

Our separate program for women struggling with anorexia, bulimia, binge-eating disorder and other disordered eating behaviors helps clients address trauma, mental illness, socio-cultural factors and other issues that can contribute to their condition. Clients receive expert medical and behavioral care while living in a home-like, supportive environment. Features of the program include:

• Individual, group and family therapy


• Meal-time support


• Nutrition counseling by registered dietitians


• Body-image work


• Trauma-focused therapies


• Traditional and experiential therapies


• Shame-resilience groups


• Mindfulness


• Relapse prevention training


• Restaurant outings, grocery shopping and dessert groups


• Support groups for eating disorders


• Expert medical and psychiatric care

Multidisciplinary Staff

Our treatment team is comprised of board-certified physicians, psychiatrists, licensed addiction counselors, eating disorders specialists and dietitians, and licensed, master’s-level therapists.

Continuing Care and Support

Outpatient Treatment – We offer an intensive outpatient program for clients transitioning out of residential treatment as well as for those in the community needing help with addiction. For clients in our residential programs, this option helps them ease back into everyday life with programming four days a week with varying levels of care and optional equine-assisted therapy on Fridays.

Alumni Support – All of our clients receive ongoing support for as long as they need it. This includes alumni meetings and frequent alumni events.

888-545-8655 View Website

Promises Scottsdale Highlights

• Joint Commission Accredited


• Addictions & Eating Disorders Treatment


• Mental Health Treatment


• Gender-Separate Treatment and Residences


• Executive Program for Men


• Insurance Accepted

Location

Call us today for a confidential assessment. 888-545-8655

Get In Touch

If you are interested in learning more about treatment at one of our programs, please contact us by filling out the form below or calling 888-545-8655.

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Source: http://docphy.com/business-industry/health-care/promises-scottsdale.html