- The document discusses Aimia's Q3 2013 financial highlights and year-to-date 2013 consolidated financial results. Key highlights include 7.4% growth in gross billings and 4.5% growth in adjusted EBITDA compared to last year.
- Gross billings growth was driven by strong performance in US & APAC (+29.5% cc) and Canada (+3.2%), partially offset by declines in EMEA (+1.7% cc).
- On a year-to-date basis, gross billings increased 4.9% to $1.7 billion. However, operating income declined due to a $683.6 million breakage adjustment related to changes in the
This document provides financial highlights for Q2 2012, including year-over-year comparisons. Some key figures increased significantly from 2011 to 2012, such as operating income (up 36.8%), net earnings (up 128.8%), and adjusted EBITDA (up 32.7%). However, total revenue decreased slightly (down 0.7%) from 2011 to 2012. The document also notes that results are subject to various risks and uncertainties and may differ materially from forward-looking statements.
El documento describe de forma humorística diferentes sistemas económicos a través de la metáfora de tener vacas. Se mencionan el socialismo, comunismo, fascismo, nazismo, burocracia, capitalismo tradicional, capitalismo moderno, economía japonesa, alemana, rusa, china, americana, iraquí, india, suiza, francesa, neozelandesa, italiana, británica y española. Finalmente, se describe de manera muy detallada el caso específico de la economía de las Islas
- The document discusses Aimia's Q3 2013 financial highlights and year-to-date 2013 consolidated financial results. Key highlights include 7.4% growth in gross billings and 4.5% growth in adjusted EBITDA compared to last year.
- Gross billings growth was driven by strong performance in US & APAC (+29.5% cc) and Canada (+3.2%), partially offset by declines in EMEA (+1.7% cc).
- On a year-to-date basis, gross billings increased 4.9% to $1.7 billion. However, operating income declined due to a $683.6 million breakage adjustment related to changes in the
This document provides financial highlights for Q2 2012, including year-over-year comparisons. Some key figures increased significantly from 2011 to 2012, such as operating income (up 36.8%), net earnings (up 128.8%), and adjusted EBITDA (up 32.7%). However, total revenue decreased slightly (down 0.7%) from 2011 to 2012. The document also notes that results are subject to various risks and uncertainties and may differ materially from forward-looking statements.
El documento describe de forma humorística diferentes sistemas económicos a través de la metáfora de tener vacas. Se mencionan el socialismo, comunismo, fascismo, nazismo, burocracia, capitalismo tradicional, capitalismo moderno, economía japonesa, alemana, rusa, china, americana, iraquí, india, suiza, francesa, neozelandesa, italiana, británica y española. Finalmente, se describe de manera muy detallada el caso específico de la economía de las Islas
published by Data investment consult lebanon CEO - Mr Maan Barazy
Our understanding of market stability and the predictability of financial crisis has fallen short of the concept of repugnance. Repugnance creates distortion in market design and might be a catalyst to financial crisis. Roth argues that "the real repugnance that some people feel toward some transactions means that economists interested in proposing and designing markets must take this repugnance into account." If one hopes to design more efficient and ethical systems of exchange, cultural notions of repugnance can't simply be dismissed as irrational. This would seem to be an argument with implications beyond economics. When repugnance is taken into consideration; markets were most stable ; a case in point is the behavior of Arab and Islamic market mechanisms under international financial crisis. Regulators have put outstanding weight into designing deterrence system for crisis and operational fraud; hence it would have been more rewarding to study causes of repugnance in the system. There is a greater need today for international markets to understand the notions of interest-free exchanges LARIBA and particularities of Arab markets exchanges if one hopes to design more efficient and ethical systems of exchange, cultural notions of repugnance can't simply be dismissed as irrational. Markets looses their efficiency and some markets become limited because the very existence of a market in some goods is considered repugnant.
- Gross billings increased 1.7% year-over-year to $536.6 million driven by a 6.4% increase in loyalty units sold, partially offset by the loss of the Qantas program. On a constant currency basis, gross billings increased 1.2%.
- Adjusted EBITDA increased 22.5% year-over-year to $88.9 million due to improved margins and cost containment. On a constant currency basis, adjusted EBITDA growth was also 22.5%.
- Free cash flow before dividends paid was $18.3 million compared to negative $21.2 million in the prior year due to improved operating results.
El documento describe las cinco dimensiones de la competencia digital: 1) aprendizaje, 2) informacional, 3) comunicativa, 4) cultura digital, y 5) tecnológica. Estas dimensiones se concretan en cinco capacidades asociadas relacionadas con medios digitales: 1) aprender y generar conocimiento, 2) obtener y organizar información, 3) comunicarse y colaborar, 4) actuar de forma responsable y cívica, y 5) utilizar dispositivos y entornos digitales.
El documento resume cómo los estudiantes pasan su tiempo en diferentes asignaturas. En algunas clases los estudiantes prestan atención y completan sus tareas, mientras que en otras juegan o socializan en lugar de concentrarse en el aprendizaje. Los maestros tienen diferentes grados de éxito en mantener enfocados a los estudiantes y hacer un uso productivo del tiempo de clase.
O documento descreve um modelo de autoavaliação para bibliotecas escolares que permite avaliar o impacto do trabalho da biblioteca no funcionamento da escola e na aprendizagem dos alunos. O processo envolve recolher evidências através de questionários, analisar os dados, e divulgar os resultados para melhorar a integração da biblioteca nos planos estratégicos da escola.
La red ARPANET se creó en 1969 por el departamento de defensa de EE.UU. para conectar ordenadores del Pentágono y universidades, utilizando protocolos TCP/IP. A principios de los 80 conectaba unos 100 ordenadores. Otras redes como CSNET y MILNET también adoptaron TCP/IP, interconectando sus equipos e impulsando el desarrollo de Internet.
This document provides an overview of important locations and events in Philippine history. It discusses the major islands of the Philippines like Luzon, Visayas, and Mindanao. For each region, it highlights notable provinces, cities, natural attractions and gives brief historical context. Specific places mentioned include Manila, Baguio, Vigan, Puerto Galera, Cebu, Boracay, and Camiguin. The document serves as a guide to the geography and historical highlights of the Philippines.
This document discusses repositories in Moodle 2 and beyond. It covers the repository concept and why repositories are used, different sources of files in Moodle versions 1.9.x and 2.0.x, file system hashing and pooling to reduce storage space, reusability through links versus copying, examples of repository types including Mooch which is a repository of open courses, and developing new repository types from providers like Equella, Dspace, and Google. It also provides contact information for Lambda Solutions, a company that assists with Moodle repositories.
Adopt Adapt or Abandon? Instructors' Decisions to Use Research-Based MaterialsStephanie Chasteen
This is from my talk at AAPT 2011
Physics education researchers often develop materials for classroom use. Instructors then choose which of those materials they would like to implement. We present a case study of University of Colorado’s transformed junior E&M course. After the transformation work in Sp/Fa 2008, 4 subsequent instructors of this course decided which materials – such as tutorials, clicker questions, or use of documented student difficulties – to use. Based on detailed interviews of those instructors, we examine what was and was not sustained, and discuss aspects of the course materials that enabled sustainability across instructors. We also present examples of less successful implementation that provide useful feedback on the use of PER-based resources – both for educational researchers and for the instructors making use of these instructional techniques.
This document provides information about COMSYS' Global Enterprise Content Management (ECM) Practice and ASET International. It lists key contacts and gives an overview of the problems they help clients with regarding global content supply chains. It also provides details on the services they offer to help clients strategically create, manage and deliver information worldwide.
The document outlines Spain's National Strategy for Innovation (E2I). It begins with a diagnostic of the Spanish economy, noting declines in R&D spending, unemployment increases especially in construction and industry, and lower outputs in high-tech employment and patents compared to EU averages. The objectives are to boost Spain into the top 9 in GDP and innovation world rankings by 2015 through increasing private R&D investment to 1.9% of GDP, mobilizing €6 billion in private funding, and incorporating 40,000 companies into innovative activities to transition Spain's economy based on science and innovation.
- The document provides frequently asked questions and answers about virtual classroom experiences based on research with 250 students.
- It addresses questions about what to expect in a virtual classroom, who is involved, how communication works, getting help with homework, improving class websites and resources, dealing with isolation, and addressing problems.
- The goal is to help students make the most of their virtual classroom experience and succeed in their learning.
Lessons learned from 8 years of educational transformation (AAPT 2014)Stephanie Chasteen
In 2005, the Science Education Initiative (SEI) at the University of Colorado was launched as a 5 million-dollar, university-funded project to support departments in improving science education (http://www.colorado.edu/sei). The SEI has funded work across 7 STEM departments and dozens of courses to institute a scientific approach to educational reform driven by three questions: What should students learn? What are students learning? Which instructional approaches improve student learning? The SEI is structured with a small team of central staff, and a cohort of Science Teaching Fellows – postdocs, hired into individual departments, who partner with faculty to identify learning goals, develop instructional materials, and research student learning. Key elements of the program are its departmental focus and bottom-up structure. As the SEI draws to a close, we have an opportunity to reflect upon the impacts of the program. This talk will highlight the outcomes of the SEI model, including both affordances, and lessons learned.
ah asociados is a multidisciplinary consulting firm established in 1989 specializing in urban planning, architecture, engineering and R&D management. It has offices in Spain and Qatar and trade agreements in Slovenia and Mexico. The firm provides planning, design, construction and project management services, with extensive experience in collective housing, industrial facilities, cultural projects, healthcare facilities, sports facilities, renovations and more. ah asociados is committed to sustainability and innovation through application of new technologies and materials to achieve energy efficiency and environmental friendliness. The firm proposes projects focused on areas like cities, quality of life, materials, networks and cultural heritage.
It is no longer acceptable to be good enough you need to be exceptional in the eyes of your customers. Giving your customers a HUG - Hear Understand Give back incredible value - is a powerful way to stand out so your customers choose you instead of your competitors.
published by Data investment consult lebanon CEO - Mr Maan Barazy
Our understanding of market stability and the predictability of financial crisis has fallen short of the concept of repugnance. Repugnance creates distortion in market design and might be a catalyst to financial crisis. Roth argues that "the real repugnance that some people feel toward some transactions means that economists interested in proposing and designing markets must take this repugnance into account." If one hopes to design more efficient and ethical systems of exchange, cultural notions of repugnance can't simply be dismissed as irrational. This would seem to be an argument with implications beyond economics. When repugnance is taken into consideration; markets were most stable ; a case in point is the behavior of Arab and Islamic market mechanisms under international financial crisis. Regulators have put outstanding weight into designing deterrence system for crisis and operational fraud; hence it would have been more rewarding to study causes of repugnance in the system. There is a greater need today for international markets to understand the notions of interest-free exchanges LARIBA and particularities of Arab markets exchanges if one hopes to design more efficient and ethical systems of exchange, cultural notions of repugnance can't simply be dismissed as irrational. Markets looses their efficiency and some markets become limited because the very existence of a market in some goods is considered repugnant.
- Gross billings increased 1.7% year-over-year to $536.6 million driven by a 6.4% increase in loyalty units sold, partially offset by the loss of the Qantas program. On a constant currency basis, gross billings increased 1.2%.
- Adjusted EBITDA increased 22.5% year-over-year to $88.9 million due to improved margins and cost containment. On a constant currency basis, adjusted EBITDA growth was also 22.5%.
- Free cash flow before dividends paid was $18.3 million compared to negative $21.2 million in the prior year due to improved operating results.
El documento describe las cinco dimensiones de la competencia digital: 1) aprendizaje, 2) informacional, 3) comunicativa, 4) cultura digital, y 5) tecnológica. Estas dimensiones se concretan en cinco capacidades asociadas relacionadas con medios digitales: 1) aprender y generar conocimiento, 2) obtener y organizar información, 3) comunicarse y colaborar, 4) actuar de forma responsable y cívica, y 5) utilizar dispositivos y entornos digitales.
El documento resume cómo los estudiantes pasan su tiempo en diferentes asignaturas. En algunas clases los estudiantes prestan atención y completan sus tareas, mientras que en otras juegan o socializan en lugar de concentrarse en el aprendizaje. Los maestros tienen diferentes grados de éxito en mantener enfocados a los estudiantes y hacer un uso productivo del tiempo de clase.
O documento descreve um modelo de autoavaliação para bibliotecas escolares que permite avaliar o impacto do trabalho da biblioteca no funcionamento da escola e na aprendizagem dos alunos. O processo envolve recolher evidências através de questionários, analisar os dados, e divulgar os resultados para melhorar a integração da biblioteca nos planos estratégicos da escola.
La red ARPANET se creó en 1969 por el departamento de defensa de EE.UU. para conectar ordenadores del Pentágono y universidades, utilizando protocolos TCP/IP. A principios de los 80 conectaba unos 100 ordenadores. Otras redes como CSNET y MILNET también adoptaron TCP/IP, interconectando sus equipos e impulsando el desarrollo de Internet.
This document provides an overview of important locations and events in Philippine history. It discusses the major islands of the Philippines like Luzon, Visayas, and Mindanao. For each region, it highlights notable provinces, cities, natural attractions and gives brief historical context. Specific places mentioned include Manila, Baguio, Vigan, Puerto Galera, Cebu, Boracay, and Camiguin. The document serves as a guide to the geography and historical highlights of the Philippines.
This document discusses repositories in Moodle 2 and beyond. It covers the repository concept and why repositories are used, different sources of files in Moodle versions 1.9.x and 2.0.x, file system hashing and pooling to reduce storage space, reusability through links versus copying, examples of repository types including Mooch which is a repository of open courses, and developing new repository types from providers like Equella, Dspace, and Google. It also provides contact information for Lambda Solutions, a company that assists with Moodle repositories.
Adopt Adapt or Abandon? Instructors' Decisions to Use Research-Based MaterialsStephanie Chasteen
This is from my talk at AAPT 2011
Physics education researchers often develop materials for classroom use. Instructors then choose which of those materials they would like to implement. We present a case study of University of Colorado’s transformed junior E&M course. After the transformation work in Sp/Fa 2008, 4 subsequent instructors of this course decided which materials – such as tutorials, clicker questions, or use of documented student difficulties – to use. Based on detailed interviews of those instructors, we examine what was and was not sustained, and discuss aspects of the course materials that enabled sustainability across instructors. We also present examples of less successful implementation that provide useful feedback on the use of PER-based resources – both for educational researchers and for the instructors making use of these instructional techniques.
This document provides information about COMSYS' Global Enterprise Content Management (ECM) Practice and ASET International. It lists key contacts and gives an overview of the problems they help clients with regarding global content supply chains. It also provides details on the services they offer to help clients strategically create, manage and deliver information worldwide.
The document outlines Spain's National Strategy for Innovation (E2I). It begins with a diagnostic of the Spanish economy, noting declines in R&D spending, unemployment increases especially in construction and industry, and lower outputs in high-tech employment and patents compared to EU averages. The objectives are to boost Spain into the top 9 in GDP and innovation world rankings by 2015 through increasing private R&D investment to 1.9% of GDP, mobilizing €6 billion in private funding, and incorporating 40,000 companies into innovative activities to transition Spain's economy based on science and innovation.
- The document provides frequently asked questions and answers about virtual classroom experiences based on research with 250 students.
- It addresses questions about what to expect in a virtual classroom, who is involved, how communication works, getting help with homework, improving class websites and resources, dealing with isolation, and addressing problems.
- The goal is to help students make the most of their virtual classroom experience and succeed in their learning.
Lessons learned from 8 years of educational transformation (AAPT 2014)Stephanie Chasteen
In 2005, the Science Education Initiative (SEI) at the University of Colorado was launched as a 5 million-dollar, university-funded project to support departments in improving science education (http://www.colorado.edu/sei). The SEI has funded work across 7 STEM departments and dozens of courses to institute a scientific approach to educational reform driven by three questions: What should students learn? What are students learning? Which instructional approaches improve student learning? The SEI is structured with a small team of central staff, and a cohort of Science Teaching Fellows – postdocs, hired into individual departments, who partner with faculty to identify learning goals, develop instructional materials, and research student learning. Key elements of the program are its departmental focus and bottom-up structure. As the SEI draws to a close, we have an opportunity to reflect upon the impacts of the program. This talk will highlight the outcomes of the SEI model, including both affordances, and lessons learned.
ah asociados is a multidisciplinary consulting firm established in 1989 specializing in urban planning, architecture, engineering and R&D management. It has offices in Spain and Qatar and trade agreements in Slovenia and Mexico. The firm provides planning, design, construction and project management services, with extensive experience in collective housing, industrial facilities, cultural projects, healthcare facilities, sports facilities, renovations and more. ah asociados is committed to sustainability and innovation through application of new technologies and materials to achieve energy efficiency and environmental friendliness. The firm proposes projects focused on areas like cities, quality of life, materials, networks and cultural heritage.
It is no longer acceptable to be good enough you need to be exceptional in the eyes of your customers. Giving your customers a HUG - Hear Understand Give back incredible value - is a powerful way to stand out so your customers choose you instead of your competitors.
1. giusipalumbo
editor & traduttrice
Profilopersonale
Nome: Giuseppina Palumbo
Nata a: Bari
Il: 15.04.1981
Via Fiorino Fiorini, 27
00152 Roma
Esperienzalavorativa
Tel 3403083078
Fax 0803389418 Enzo Delfino Editore, Roma – giugno 2007 ad oggi
C.f. PLMGPP81D55A662X Responsabile di redazione
P.Iva 00084588888
giusipalumbo@yahoo.it Studio Lingue 2000, Molfetta (BA) – dicembre 2005 ad oggi
Traduzioni italiano-spagnolo-inglese in tutte le combinazioni
Omnibook, Bari – ottobre 2004-dicembre 2007
Editing, correzione di bozze e revisione di traduzioni
Minollo Film, Roma – agosto-dicembre 2007
Traduzione e adattamento di soggetti cinematografici
Geva Edizioni, Roma – aprile-agosto 2007
Ghostwriting, redazione ed editing
Bottega editoriale, Rende (CS) – aprile-settembre 2007
Collaborazione in ambito redazionale
Salvia comunicación, Madrid – agosto-ottobre 2006
Redazione ed editing
ConfPuglia, Bisceglie (BA) – maggio 2005-febbraio 2006
Responsabile ricerca e sviluppo settore estero
F.a.s.e, Bisceglie (BA) – novembre 2004
Interpretariato e trattativa d’affari c/o Medica 2004 (Düsseldorf )
Istruzione&formazione
Istituto Comunika & Palombi Editori – dicembre 2005-marzo 2006
Master in editoria e comunicazione
Instituto Cervantes, Madrid – maggio 2004
D.e.l.e. Nivel superior (Alte superiore- C2 Quadro comune europeo)
2. Università degli studi di Bari, facoltà di Lingue e letterature straniere –
a.a. 2003-2004
Corso di perfezionamento in Teoria e prassi della traduzione
Università degli studi di Bari, facoltà di Lingue e letterature straniere –
a.a. 2002-2003
Laurea quadriennale (ex D.M. 341/90), inglese e spagnolo quadriennali
votazione: 110/110 e lode
C.s.l. Bari – ottobre 2004
European computer driving licence
Conoscenzelinguistiche
Via Fiorino Fiorini, 27 Italiano
00152 Roma madrelingua
Tel 3403083078
Fax 0803389418 Spagnolo
C.f. PLMGPP81D55A662X
capacità di espressione (scritta/orale): eccellente
P.Iva 00084588888
giusipalumbo@yahoo.it capacità di comprensione (scritta/orale): eccellente
Inglese
capacità di espressione (scritta/orale): eccellente
capacità di comprensione (scritta/orale): eccellente
Competenzetecniche
Buone conoscenze informatiche su piattaforme MacIntosh, Windows e Linux
Buone conoscenze di desktop publishing (QuarXpress, Syllabus, Photoshop, Gimp)
Strumenti base di webdesign (Adobe Dreamweaver, Joomla Cms)
Altreinformazioni
Regolarmente iscritta all’Albo dei traduttori presso il Tribunale di Trani (n. 252)
per la lingua inlgese e spagnola
Iscritta al Ruolo dei periti ed esperti della provincia di Bari (interpreti e traduttori)
cat. XXII-sub cat.1
Patente cat. B
Attesto la veridicità ed assumo ogni responsabilità rispetto ai dati sopra indicati ( ex art. 76 del
D.P.R. 445/2000) ed esprimo esplicito consenso all'utilizzo degli stessi, anche con l'uso di strumenti
infornatici, esclusivamente nell'ambito del procedimento per il quale la presente dichiarazione viene
resa (D. Lgs. n.196/2003).