This Business Information Management major consists of an integrated curriculum covering computing (computer science, informatics, and software); business fundamentals (accounting, finance, marketing, strategy, and operations); and analytical methods (mathematics, statistics, economics, management science, and decision analysis). Students graduate to pursue careers in the for- profit and not- for- profit sectors, or they can proceed to graduate school in several disciplines, including information systems, computing, economics, business, and law. Offered jointly by the Donald Bren School of Information and Computer Science and The Paul Merage School of Business. Learn about our Special Academic Programs. The directory lists all current UC Irvine graduate degree programs. Prospective students interested in these programs. University of California, Irvine. UC Irvine C4C, Irvine, CA. UC Irvine C4C shared Special Olympics Southern California. Team’s from each of the MBA programs, Merage undergrads. Centers, Clinics, and Programs; Faculty; Student Activities. Berkeley Law students are astoundingly bright. Undergraduate majors and minors offered at UCLA. Undergraduate programs prepare students for immediate professional. UNIVERSITY OF CALIFORNIA, IRVINE. Irvine Summer Session, Special Programs. Students participate in programs such as the UCDC Internship Program in. University of California Irvine.
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Longer Term Effects of Head Start Eliana Garces UCLA Duncan Thomas RAND and UCLA. How to Fight Employee Turnover. But with growth comes growing pains. Onesto says the company's turnover rate fell to about 10 percent in 2011. Elizabeth Hoffman, Senior Program Analyst, Office of Head Start Joan Lombardi, Ph.D., Senior Advisor. Head Start Teacher Turnover Rates as Reported in the PIR, by Comparison Years. 36 Chapter 4: Economic. Most organizations know their turnover rate but very few know what it means or how to improve it. Understanding turnover by geography can help employers identify potential problems that can be fixed. Head Start Fact Sheets. The Head Start program is administered by the Office of Head Start (OHS), Administration for Children and Families (ACF), Department of Health and Human Services (HHS). Grants are awarded by ACF. 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In other words, we can use them to help us meditate and open up our chakras. And there are literally hundreds of mudras . Many of us are already accustomed to Anjali Mudra (aka . This mudra is used in the beginning of most yoga classes to invoke spirit and intention, or at the end to seal the practice. There's also the common Gyan Mudra . Here are seven lesser- known mudras I've chosen to give your seven chakras a little boost. You can also incorporate the mantra and color associated with each chakra to help enhance your meditative experience. Root (Muladhara)Muladhara Mudra. The Root Chakra is the foundation for the other chakras, with emphasis on survival and grounding. Color: Red. Mantra: LAMElement: Earth. Bring your palms together in a prayer at your heart, then interlace the pinky and ring fingers so they fold inside of the palms. Extend the middle fingers so the tips touch and then interlace the thumbs and index fingers so they form rings around each other, with the fingertips touching. Optional: Flip this mudra upside down and lower your arms slightly, so the middle fingers are pointed downward at your pelvic region. Sacral (Svadhisthana)Shakti Mudra. This feminine mudra works to harness sexuality and sensuality. Color: Orange. Mantra: VAMElement: Water. With your palms in front of your chest, press your pinky and ring fingertips together. Fold your thumbs into your palms, inside of your index and middle finger. You can then press the knuckles of these two fingers together (pictured) or keep them separate. Optional: Lower the hands to just below the navel. Solar Plexus (Manipura)Rudra Mudra. This mudra brings forth the power of Shiva, the Hindu god of all yogis. Photo gallery of various Buddhist hand gestures (mudras) used in yoga practice, meditation, and for healing purposes. Color: Yellow. Mantra: RAMElement: Fire. Place your palms face up on your thighs. Touch the tips of the thumbs, index and ring fingers together, straightening through the pinky and middle fingers. Heart (Anahata)Padma Mudra. Mudras are yoga for the hands, therefore by positioning your fingers and hands in various ways, you can generate energy to help activate your chakras and deepen your. Healing Practice of Mudras. Mudras are a non-verbal mode of communication and self-expression. See Chotskies and Chakras. These chakra meditations use mudras, which are special hand positions, to open chakras. The mudras have the power to send more energy to particular chakras. Ebooks-Gratuits.Me > Mudras Et Chakras.pdf : 3060 R Information on Mudras- Various Mudras, Position of fingers in Mudras, Benefits of Mudras, Time of practice of mudras. BIG BOOK OF YOGA - CHAKRA DESCRIPTIONS . Mudras Author: Nicole Dunn Prairie Yoga 200 Hour Yoga Teacher Training. Chakras, Accupressure Points, Reflex Zones, Meridians, and Planetary and Palmistry. IMPORTANT MUDRAS AND BANDHAS. Yoni, Sambhavi, Asvini, Pasini, Matangi, Kaki, Bhujangini and Yoga Mudras. This lotus- inpired mudra calls forth new possibilities and invites in love. Color: Green. Mantra: YAM Element: Air With your palms at your heart, touch the outer edges of both pinky fingers and thumbs together. Keep the heels of the palms pressed together as you blossom open through your hands. Extend through the tips of all 1. Throat (Vishuddha)Granthita Mudra. You can use this mudra at your throat to help clear the way for expression of your authentic self. Color: Light Blue/Turquoise. Mantra: HAMElement: Sound/Music. Interlace your last three fingers (middle, ring and pinky) together inside of your hands. Interlock the index fingertips and thumbs to form two rings and hold this mudra in front of the base of your throat. Third Eye (Ajna)Mudra of the Great Head. To tap into the wisdom and power of your intuition, use this mudra to channel deep into your third eye. Color: Dark Blue/Purple. Mantra: AUMElement: Light. Take your right hand just in front of the space between your eyebrows and curl the ring finger into your palm. Bring the tips of the thumb, middle and index finger to touch and keep the pinky finger extended long. Place the tips of the three fingers that are touching to your third eye focal point. The left hand can remain on top of the left thigh, palm face up or in Gyan mudra. Crown (Sahasrara)Mudra of A Thousand Petals. Holding this mudra high above your head can open the gateway to universal consciousness, divinity and transcendence. Color: Violet/White. Mantra: Silence. Element: Divine Consciousness. Place the tips of your index fingers and thumbs together to touch, forming a pyramid shape. Allow the remaining fingers to extend upward, keeping them straight. Raise this mudra to about 6- 7 inches above the crown of your head. Perform the mudras in a comfortable seated position for 1- 5 minutes each. If you're only focusing on one mudra at a time, extend the time frame as long as you would for your regular meditation practice. There are no right or wrong ways to do mudras . Gallery courtesy of Beth Kessler Photography, graphic design by mbg creative. Free PDF to WMF converter from CoolUtils. PDF Converter; PDF to HTML; PDF to XHTML; PDF to Doc; PDF to RTF; PDF to XLS; PDF to JPEG; PDF to TIFF; PDF to TXT; PDF. Reliable and secure HTML to PDF convertor. Code examples for C#, Ruby, ASP.NET and PHP and more. Why HTML 2 PDF Rocket. Free @ low volumes & affordable at high. Free PDF to HTML Converter latest version: The free PDF to HTML converter is a free program, used to reliably convert a PDF file into a HTML page, fast and quick. Adobe Acrobat Reader DC software is the free global standard for reliably viewing. It's the only PDF viewer that can open and interact with all types of PDF. 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It’s a high net- worth investor who’s got a couple of funds where he knew the manager well and invested a long time ago and it’s worked out really well. The Hedge Fund Mirage.”“Many of us in the industry looked at the arguments in the book with initial interest, and then growing skepticism,” AIMA CEO Andrew Baker said. Where there were figures, the methodology was flawed. We noticed that no one praising the book appeared to have actually checked the numbers behind it. We began to wonder if The Hedge Fund Mirage was itself an illusion.”AIMA raises a number of issues with Lack’s book (one of which is the result not of flawed methodology but of a typographical error), but the crux of its case against The Hedge Fund Mirage, says Lack, is that he uses dollar- weighted figures to evaluate hedge fund performance.“The internationally accepted Global Investment Performance Standards strongly advocate the use of time- weighted data for assessing hedge fund performance,” AIMA wrote in its rebuttal. Theoretically, what buy- and- hold return does is just take a simple geometric average—it doesn’t consider any of the capital flows coming into the fund or going out of the fund. The hedge fund mirage the illusion of big money and why its too good to be true author simon a lack jan-2012 PDF hedge fund trading strategies. In this summary, you will learn Why hedge fund managers do better financially than their investors; Why information about hedge funds is often hard to find or validate; What financial and legal issues to consider. Simon Lack knows there are hedge fund investors who have done well. The Hedge Fund Mirage, says Lack. The hedge fund mirage the illusion of big money and why its too good to be true author simon a lack jan-2012 PDF the hedge fund mirage the illusion. Following 23 years with JPMorgan, Simon Lack founded SL Advisors, LLC, in 2009. The Hedge Fund Mirage: The Illusion of Big Money and Why It’s Too Good to Be True, published in 2011 to widespread praise from mainstream. The Hedge Fund Mirage PDF da Simon A. Simon Lack demonstrates, astonishingly, that the industry itself has repeated that dismal story of early promise. A Response to Simon Lack. This is an unsolicited review of Simon Lack’s The Hedge Fund Mirage from Christopher Cruden. It actually considers when the fund’s assets were getting bigger and when they were getting smaller, and by considering that weight you can actually see how well the investors were timing—when they were getting into the fund at the right time, when future returns were going up and when they were getting out at the right time, when the future returns were going down. It’s a subtle distinction but it makes a big difference.”What it boils down to, Yu says, is, “What do we mean by hedge fund performance?”“If you mean the experience of the investors, dollar- weighted returns will be a good way to assess the investor’s experience. If it comes to the fund’s performance, buy- and- hold return will be a good way to measure this. But when people vaguely say . A little disappointingly, we didn’t find any results there. Having sat for years on the bank’s investment committee and assisted in the allocation of billions to hedge funds, Lack said he’d long suspected the money was actually in the fees—so much so that in 2. I sat down and figured it out and I was staggered,” Lack says. People ought to know this.’”He wrote an article for AR magazine and, encouraged by the response, he decided to expand his thesis into a book. The Hedge Fund Mirage. That book, published earlier this year by John Wiley and Sons, has been well- received in the financial press and Lack, writing in April on his blog, In Pursuit of Value, claimed that many industry insiders “readily acknowledge the disappointing results of the past with little surprise.”In his opening chapter, “The Truth About Hedge Fund Returns,” Lack makes his case for looking at hedge fund performance from the investor’s perspective: The hedge fund industry routinely calculates returns based on the value of $1 invested at inception. And it’s true that, based on the HFRX Global Hedge Fund Index, if you had invested $1 million in the average hedge fund in 1. But hedge funds did best in the early years, when the industry was much smaller. Just as small hedge funds generally outperform large ones, a small hedge fund industry did better than a large one. When you adjust for the size of the hedge fund industry, the story is completely different. Rather than generating a return of 7. There were fewer hedge fund investors in 1. It’s the difference between looking at how the average hedge fund did versus how the average investor did. Lack illustrates his point with the following example: If in Year 1 you invest $1 million and the fund returns 5. If Year 2 you invest another $1 million (for a total investment now of $2. The manager, writes Lack, will report this as an average annual return of 5%, but the investor’s actual internal rate of return is a loss of 1. Where Are The Customers’ Yachts? Then there’s the question of fees. Lack asserts that since 1. He’s calculated that as “excess profits over Treasury bills,” a move AIMA disputes.“In its fees calculations the book also misleadingly excludes the risk- free rate from hedge fund returns, which has a similarly distorting effect on the final figures produced,” the industry group said. But Lack defends his method. But, in fact, they give the example, . That’s just an opinion, people can debate it, but why would you pay somebody 2% and 2. Treasury bills?”AIMA also objects to his definition of “profits. It doesn’t really matter, when you’re an investor, whether what you pay the manager is incentive compensation or goes to pay for Bloomberg or whatever. As an investor, you just care about what it costs you to access the strategy. My point is, this is the revenue line of the hedge fund industry and was that revenue, which was obviously an expense for the client, money well spent or not?”AIMA cites data from the Center for Hedge Fund Research which finds that hedge funds returned 7. But Lack says AIMA is simply “wrong.”“They have a 9% average annual return for hedge funds since 1. First of all, an equally- weighted portfolio is a nice concept but, obviously, everybody can’t have an equally- weighted portfolio because hedge funds are not all the same size. Second, within that 9% average annual return from 1. So, it’s true, the average annual return for that hypothetical, equally- weighted portfolio is 9%, but you had some great years in the . And as more people have shown up, the returns have gone down. I’d say that’s why they’ve gone down; I think AIMA would say that’s not why they’ve gone down.”Lack takes it as a given that smaller hedge funds perform better than larger ones and says winning funds become victims of their own success because they attract more money than they can profitably invest. Fee structures being what they are, it’s tempting for managers to grow assets. The result, he wrote on his blog, has been “an enormous transfer of wealth from clients to the hedge fund industry. My analysis shows that pretty much all the profits earned by hedge funds in excess of the risk- free rate have been consumed by fees.”How to Invest in Hedge Funds. Given that bleak assessment, it seems odd to even ask Lack if there’s any value in investing in hedge funds—but we did. Lack says there are talented people running hedge funds and there is money to be made, but it won’t be made by people who accept the conventional wisdom that diversification is the key to successful hedge fund investing.“With hedge funds,” he says, “the only way to win is if you’re good at picking managers. If you get the average return you’ll be a loser. The more you diversify, the more you’ll have a hedge fund portfolio that looks like the average return and the average return is not what you want. What you should do as a hedge fund investor is have a very concentrated portfolio of two to three hedge funds instead of 1. The caveat, he says, is that if you’re only allocating to a few hedge funds you should only allocate a small percentage of your investment portfolio to hedge funds.“The right way for people to use hedge funds is to make a small allocation—less than 5%—and to invest in a small number of managers where your insight and your skill at manager selection has the best chance to generate a return for you. I know that that creates a problem for a pension fund that’s trying to reach an 8% return target and is relying on hedge funds to get them there. I understand that’s a problem and I’m sorry, I just don’t think hedge funds are going to do it for you.”As for Gwen Yu, whose research focus has shifted from hedge funds to global capital flows, she says she'll pass. Yu would “probably not. Customer Loyalty Programs That Actually Add Value. Did you know it costs a business about 5- 1. X more to acquire a new customer than it does to sell to an existing one? Not only that, but on average, current customers spend 6. In light of statistics like these, businesses must think about what they are doing to keep their customers coming back to their business. A loyalty program may give a customer free merchendise, rewards, coupons, or even advance released products. Is your loyalty program working? According to the 2. Colloquy Customer Loyalty Census, American households hold memberships in an average of 2. Companies lose money on time and effort, and customers get no more value from the businesses to which they are ? How do you convey enough additional value in your programs to keep your customers coming back? It. To get you started, here are some ideas for customer loyalty programs that might work for your business. Customer Loyalty Program Ideas for Your Business. Use a simple point system. This is the most common loyalty program methodology. Frequent customers earn points, which translate into some type of reward. It works best for businesses that encourage frequent, short- term purchases, like Boloco. Case Study: Boloco's Boloco Card. Boloco, an American restaurant chain known for its burritos, is an example of a company who does the points- based loyalty program well. Customers swipe their stylish Boloco Card at every purchase, and the card tracks the amount of money spent. Every $5. 0 spent earns the customer a free item.
It doesn't matter if that free item is a super jumbo burrito or an extra small smoothie: It's free once the customer records $5. Boloco speaks the language of its audience by measuring points in dollars, and rewards in food and drink items. Source: Boloco. 2) Use a tier system to reward initial loyalty and encourage more purchases. Finding a balance between attainable and desirable rewards is a challenge for most companies designing loyalty programs. One way to combat this is to implement a tiered system which rewards initial loyalty and encourages more purchases. Present small rewards as a base offering for being a part of the program, and then encourage repeat customers by increasing the value of the rewards as the customer moves up the loyalty ladder. This helps solve the problem of members forgetting about their points and never redeeming them because the time between purchase and gratification is too long. The biggest difference between the points system and the tiered system is that customers extract short- term versus long- term value from the loyalty program. You may find tiered programs work better for high commitment, higher price- point businesses like airlines, hospitality businesses, or insurance companies. Case Study: Virgin Atlantic Flying Club. In addition to earning miles, Virgin Atlantics' Flying Club allows members to earn tier points. The club inducts members at the Club Red tier, then bumps them up to Club Silver and then Club Gold. Club Red members earn miles on flights and get discounts on rental cars, airport parking, hotels, and holiday flights. Club Silver members earn 5. Loyalty Programs HMC’s Turnkey Loyalty Solutions. HMC provides complete turnkey loyalty solutions for our partner hotels. Your successful program is managed.Club Gold members get double miles, priority boarding, and access to exclusive clubhouses where they can grab a drink or get a massage before their flight. Seem complicated? They created a comprehensive benefits table so customers can easily understand the extra benefits they'll receive as they move from Red to Silver to Gold. The key is to offer benefits in the early stages to hook the customer into coming back. In some circumstances, a one- time (or annual) fee that lets customers bypass common purchase barriers is actually quite beneficial for both business and customer. By identifying the factors that may cause customers to leave, you can customize a fee- based loyalty program to address those specific obstacles. According to a 2. This abandonment is often caused by . Below, we'll take a look at Amazon, the ecommerce giant that's found a way to combat this issue using a loyalty program with an upfront fee. This system is most applicable to businesses that thrive on frequent, repeat purchases. For an upfront fee, your customers are relieved of inconveniences that could impede future purchases. Diane Helbig writes for Small Business Trends about the ups and downs associated with customer loyalty/reward programs. Loyalty or Rewards programs are launched using a card made of PVC plastic that has a magnetic stripe on the back. SwipeIt.com provides custom Gift Card and Loyalty Card Programs. All clients receive free graphic design with every order. We specialize in plastic card production. Ideas for Creating a Customer Loyalty Program. How to structure rewards? Amazon's mastered this for ecommerce, but this model also has potential to work for B2. B businesses that deliver products to businesses on a regular basis. Case Study: Amazon Prime. For $9. 9 a year, Amazon Prime users get free, two- day shipping on millions of products with no minimum purchase, among other benefits. Why is this a great example? Because it provides enough value to frequent shoppers for them to feel like it's really benefitting them. Actually, analysts estimate Amazon loses $1- 2 billion per year on Prime. But the company makes up for it in increased transaction frequency: According to a 2. Consumer Intelligence Research Partners, Prime members spend an average of $1,5. Amazon. com, compared with $6. Amazon customers who aren't Prime members. Source: Amazon Prime. Structure non- monetary programs around your customers' values. Truly understanding your customer means understanding their values and sense of worth. Depending on your industry, your customers may find more value in non- monetary or discounted rewards. While any company can offer promotional coupons and discount codes if they want to, businesses that can provide value to the customer in ways other than dollars and cents have a unique opportunity to connect with their audience. Case Study: Patagonia's Common Threads Initiative. Patagonia, an eco- friendly outdoor apparel company, realized that its customer needed more than just points and discounts from a loyalty program. In conjunction with e. Bay, it implemented the Common Threads Initiative in late 2. Patagonia clothing online via Patagonia's website. The Common Threads program builds on Patagonia's brand of sustainability and creating a high- quality product. Plus, it matches perfectly with the company. Source: Patagonia. Partner with another company to provide all- inclusive offers. Strategic partnerships for customer loyalty (also known as coalition programs) can be super effective for retaining customers and growing your company. Which company would a good fit for a partnership? Again, it boils down to fully understanding your customers' everyday lives and their purchase processes. For example, if you. When you provide your customers with value that's relevant to them but goes beyond what your company alone can offer them, you're showing them you understand and care about their needs. Plus, it'll help you grow your network to reach your partners' customers, too. Case Study: American Express Plenti Program. American Express has a huge partner base with companies across the country. The company's Plenti program, launched in May 2. Macy's, AT& T, Rite Aid, Enterprise Rent- A- Car, Hulu, and more. Plenti members earn points for shopping at these stores and redeem points at these stores by linking their existing store loyalty card to their Plenti account. For example, customers can use Plenti points they've earned from something like renting a car from Enterprise in order to pay their AT& T phone bill. Flexibility is the biggest appeal here for customers, since points can be earned and redeemed at a variety of retailers. According to Fortune Magazine, ? Turn your loyalty program into a game to encourage repeat customers and - - depending on the type of game you choose - - help solidify your brand's image. With any contest or sweepstakes, though, you run the risk of having customers feel like your company is jerking them around to win business. To mitigate this risk, it's important to make customers feel like you. The odds should be no lower than 2. Also, be sure your company's legal department is fully informed and on- board before you make your contest public. When executed properly, this type of program could work for almost any type of company - - even an off- the- beaten- path B2. B company. If your audience enjoys having a little fun and purchases frequently, this type of program can make the buying process both fun and engaging. Case Study: Grub. Hub's Yummy Rummy Sweepstakes. Grub. Hub, an online food ordering and delivery website, has run its successful Yummy Rummy sweepstakes since 2. Once customers place three unique orders through Grub. Hub, regardless of price, they get to play a game for a chance of winning free stuff. Players choose one of four cards and have a 2. Grub. Hub credit, or other cool stuff. Casey Winters, who was part of the Grub. Hub team that launched the sweepstakes in 2. Linked. In post, . This will make your program stay effective for longer as well as give you the flexibility to tweak elements to make it more interesting to you as the business. I have seen many companies stuck with a program they no longer think is effective, but too afraid to shelve it because of potential user backlash.? Read this blog post.)7) Scratch the . Instead, build loyalty by providing first- time users with awesome benefits, hooking them in, and offering those benefits with every purchase. This minimalist approach works best for companies that sell unique products or services. That doesn't necessarily mean that you offer the lowest price, or the best quality, or the most convenience; instead, I. If your company is pioneering a new product or service, a loyalty program may not be necessary. Customers will be loyal because there are few other options as spectacular as you, and you've communicated that value from your first interaction. For example, one of the most innovative companies on the planet implements this strategy: Apple. Case Study: Apple. Even the most loyal Apple customers don. Apple has plenty of supporters, both online and offline, ready and willing to rave about its product. For them, loyalty happens organically. How to Measure the Effectiveness of Your Loyalty Program. Romances that take place in college. Please don't add high school romances. Visit the group page: http://www.goodreads.com/group/show/6. Escucha lo que quieras cuando quieras. I have 34873 ebooks and audiobooks available for download in exchange for bitcoins. 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