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As in-store experiences become increasingly important to consumers, we can expect to see more retailers invest in similar initiatives. Retailers across the board will adopt mobile payment solutions. Mobile payments are the way of the (immediate) future. At the end of 2016, projections say there will be 447. And if the predictions are any indication, missing out on those sales could mean missing out on a lot of money. Businesses that are making the transition need to think ahead and seek solutions that will support contactless to future-proof their EMV upgrade.

Consumers like to tap, and businesses need to set themselves up for success in this area. With Apple Pay, Android Pay, and Samsung Pay continuing to expand into North America and globally, the importance of being able to accept contactless transactions will increase.

Consumers will expect to be able to pay the way they want, and businesses will need to evolve as their customer expectations change. When it comes to store size, less will be more in 2017. To further understand why shoppers seem to be moving away from larger stores, we need to look at another big trend in the retail industry: the importance of convenience and accessibility.

When people can shop online and have items delivered to their homes in a matter of hours, it takes the promise of a quick, easy experience to entice them to make the trip to an actual physical location.

Instead, they want ease and efficiency in the form of smaller stores with specialized selections. There are other benefits to smaller stores as well. They cost less money to open and operate, and they take up less space in urban environments, allowing retailers to capitalize on the potential of large population centers. Personalization will become increasingly important to consumers.

Unfortunately, the tactics retailers once used to speak directly to customers (such as using first names in an email) have become outdated and transparent in the eyes of those very customers. At the same time, though, consumers are searching more and more for personalized shopping experiences they can really connect with, so 2017 should see retailers testing new ways to appeal to this desire.

One retailer at the forefront of this trend. The athleticwear brand has always been innovative when it comes to personalization (allowing shoppers to customize their sneakers, etc. Of course, Nike is massive and financially successful, so they have the resources to push personalization to its limits. But smaller retailers can take advantage of this trend, too. Consumers are more and more prepared to give access to their data for a fair loyalty offering or personalized incentive.

Same-day shipping will become more prominent. The name of the new game. Consumers might not want to actually make the trip to physical locations, but they still want the instant gratification of taking their purchases home immediately. Is fulfillment feasible based on the location(s) of the retailer. Retailers will continue to invest in omnichannel. Omnichannel is now the standard.

In 2017, we can expect retailers worldwide to push their omnichannel strategies further than ever before in the pursuit of truly seamless shopping experiences. The retail world is rife with examples of this. Moving forward, these omnichannel efforts will be the difference between the retailers who succeed and the ones who fail.

They also see the value in kitting out their physical space with a welcoming environment and paying more for experienced staff.

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But when it comes to small businesses investing in their digital platforms (aka the backbone of day-to-day operations), cheaper or free have traditionally been the go-to solutions. Use a free appointment app to handle the bookings. POS and inventory software.

The value a business places on a digital platform tells its patrons everything they need to know about its true values.The over must be completed for bets to stand unless settlement is already determined.

The following minimum number of overs must be scheduled, and there must be an official result (Duckworth - Lewis counts) otherwise all bets are void, unless settlement is already determined. Test and First Class Matches - The whole match counts. Prices will be offered on which team creates the most run-outs whilst fielding.

If a match is abandoned due to outside interference then all bets will be void unless settlement is already determined. If a match is reduced in overs and a match result is reached then the team who effected most run-outs whilst fielding regardless of the amount of overs bowled will be the winners. In matches determined by a Super-Over any run out during the Super-Over will not count for settlement purposes. In Test and First Class Matches all innings of the match will count.

Prices will be offered for the number of runs scored during the 1st innings of the match, regardless of which team bats first. The following minimum number of overs must be scheduled otherwise all bets are void, unless settlement is already determined. Test and First Class Matches - Declarations will be considered the end of an innings for settlement purposes. In the event of the 1st innings being forfeited all bets will be void.

In the event of an innings not being completed due to outside interference or inclement weather all bets will be void unless settlement is already determined.

If a match is abandoned due to outside interference then all bets will be void, unless settlement is already determined.

In Test and County Championship matches, the whole match counts. In drawn games a minimum of 200 overs must be bowled, otherwise bets void, unless settlement of bets is already determined. In Twenty20 matches the match must be scheduled for the full 20 overs and there must be an official result unless settlement of bets is already determined. In One Day matches where the number of overs has been reduced and the outcome has not already been determined then bets will be void.

In matches decided by a Super-Over, sixes hit during the Super-Over will not count for settlement purposes. In One Day matches both teams must face at least 40 overs each, otherwise bets void, unless settlement of bets is already determined.

If both teams do not complete the stated number of overs due to external factors or adverse weather then bets will be void, unless settlement is already determined.

In the event of a tie, bets will be void. Bets will stand on the official result. A minimum of 200 overs must be bowled in the match unless settlement is already determined, otherwise bets will be void.

If an innings ends during an over then that over will be deemed to be complete unless the innings is ended due to inclement weather in which case all bets will be void. Bets will be void if the run count is Zero for a specified Over. Both players must reach the crease for bets to stand. Settlement is based on the official score(s) of the specified batsman.

Any quoted player, who takes no part in the specified series, will be void (market may be subject to a Rule 4 (Deduction)). In the event of two or more players ending on an equal number of wickets, then the bowler with the least number of runs conceded will be the winner.

In matches affected by adverse weather bets will be governed by the official competition rules with the following exception: if a match is decided on either a bowl out or the toss of a coin then all bets will be void. Where no price is quoted for the tie and the official competition rules do not determine a winner then Dead-Heat rules will apply, in competitions where a bowl out or super over determines a winner then bets will be settled on the official result.

The result of a match is a tie when the scores are equal at the conclusion of play, but only if the side batting last has completed its innings (i. If a match is abandoned due to outside interference then bets will be void unless a winner is declared based on the official competition rules.

In the event of a change of opponent from the one advertised then all bets for that match are void.Bank of England raises base rate back to 0. Ten tips for buy-to-let: the essential advice for property investors For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Read This is Money's top ten buy-to-let tips 334 comments 1 video 1.

Compare your pay to the national average and see whether your employer treated you to a pay rise in line with the the rest of your profession. How to profit from technology and hunt for the next consumer stars like Fever-Tree 'Be fearful when others are greedy and greedy when others are fearful', said Warren Buffett. Which should investors be right now. As house prices slow and tax hikes bite, is buy-to-let still worth doing. How to invest and achieve long-term returns that beat inflation and low savings rates 'Private investors have an advantage': Gervais Williams's tips to pick the best small company shares Britain is leaving the EU, but should Brexit-hit investors go the other way.

Are stockmarkets too expensive to invest right now. Should you invest in India. It's not fixed yet, warns Tom Becket Tips to choose the best funds for your Isa Can you profit from the growing Chinese middle-class.

We meet Fidelity China Special Situations manager Dale Nicholls adverts. We put the improved i3S to the test. Can I leave the British Steel pension scheme. My state pension is made up of basic, Serps and graduated parts: why do they increase at different annual rates.

I'm retired but bored - would going back to work part-time hit my pension payouts. Why must I pay big fees to a financial adviser to move my pension. How do I ensure my children inherit my pension if I die young. I've been saving for years: Steve Webb replies Should my pub cleaner friend paid cash 'off the books' become self-employed to pay NI towards a state pension. The new DS7 Crossback is aimed as a Gallic riposte to the dominant German, Japanese and British upmarket.

Four biggest high street banks ditch 37 cash machines a WEEK amid a wave of branch closures in profits. Bitcoin mining 'is using so much energy that it is causing electricity blackouts' amid fears it will consume. ALEX BRUMMER: Rise of the internet economy is driving end-of-year surge for bids and deals BIG SHOT OF THE WEEK: Terra Firma boss Guy Hands is nowhere near as shambolic as his appearance would.

Asda to axe 800 jobs and cut workers' hours as it battles discounters Aldi and Lidl SHARE PUNT OF THE WEEK: Accesso Technology provides queuing and ticketing solutions for attractions Where are landlords raking in the biggest profits. The map that reveals where Britain's buy-to-let hotspots. We look at what it would mean for our jobs, planet - and how we need to prepare NOW Will economists be able to see the next financial crisis coming.

They didn't see the last one. What is the FTSE 100. Investor and MP John Redwood explains what it is and why it matters to you even if you don't invest Why do asset prices move. Is it just down to investors reacting to the news or is there something else at play.

The next financial crisis is eight months away, will be BIGGER than the last and triggered by war with North Korea, JIM RICKARDS predicts Ever wondered why prices always rise. Watch our inflation explainer in the Big Money Questions show Want to get an edge in investing. Read fiction, say the authors of a new book 'Cents and Sensibility' - and there's a lot economists could learn as well Why have we still not beaten fraud.

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Scammers' tricks are as old as time and yet we still get stung by the same ones. Why you'll warm to property trust M7 run by legendary screenwriter's son MIDAS SHARE TIPS: George Soros and other big investors are attracted by Swallowfield's growth prospects MIDAS SHARE TIPS UPDATE: Video games group Keywords Studios scores tenfold rise in share price MIDAS SHARE TIPS: Velocity Composites has failed to take off but buy at today's price and you should be rewarded MIDAS SHARE TIPS: Should investors worry about a potential big correction, 30 years on from Black Monday.

Christmas gifts that the children will be REALLY thankful for 'I cashed out my Isas and lumped half of it in Bitcoin': LEE BOYCE on a conversation with a taxi driver that reveals how far the boom has reached Bank branch bloodbath: A thousand close this year as fears grow they will soon vanish from the High Street completely.

How big banks pocketed YOUR rate increase: Some savers will see less than a sixth of the 0.It is common for the dealer to leave the winnings on outside bets next to the original bet.

It is up to you to move the chips when the dealer is ready. They include single number (4), split (5 and 6), streeet (1,2,3), corner (2,3,5,6), five-number (0,00,1,2,3) and double street (1,2,3,4,5,6) bets. Helpful information on the advertising rules and examples of previously published ASA rulings based upon topics, issues and media channels. From their favourite team in the Champions League to the horse with the best track record at Cheltenham races, consumers are understandably keen to back the winner when placing a bet.

This Advertising Guidance explains how betting tipsters can market their betting tips and predictions without misleading consumers. Home Advice and resources Resource library Resource search results Guidance on making responsible prediction claims in betting tipster marketing From their favourite team in the Champions League to the horse with the best track record at Cheltenham races, consumers are understandably keen to back the winner when placing a bet.

QUIZ: Can you name every Manchester derby goalscorer since 2011. WATCH: Inter Milan release sickeningly cringy Christmas song The no. I have forgotten my login. I have forgotten my password. Our weekly Facebook contest winners now have the opportunity to share with us their own insights on our chosen games. Do you agree with their predictions. If you want to be a community ambassador yourself, you can. Just participate in our Facebook contests, you could even win a free bet this way.

The Juve-Naples-Inter trio keeps the lead, but Inter Milan is the somewhat weaker side. Sevilla played two big games in just 4 days, and showed remarkable team spirit and solidarity in response to its coach getting a cancer verdict.

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I think Real will make it here, but it wont be a walk in the park. United will win: there's no competition in the derby this year. Crazy sports bet earns grandfather. Belgian Grand Prix is ComingTennis US Open in New York From. Strange bets that have won a. Any unauthorized usage of any material found on this site is forbidden. By continuing, you are consenting to this. Online casino, poker and sports betting I have forgotten my login.

Juventus - Inter Milan Dominic C. Bet on Juventus - Inter Milan now. Real Madrid - Sevilla Zied H. Bet on Real Madrid - Sevilla now. Bet on Manchester United - Manchester City now.

Yes, I agreeI want to know more first. Are you sure you want to view these Tweets. Here's Friday's quick-fire tips. Here's what he's come up with today. Here Thursday's quick-fire tips. We're here to make betting better. As always, we do ask you gamble responsibly.Suppose 50 different soft drinks were mentioned among all of the questionnaires.

This method of coding the responses would be very tedious and "wasteful. Alternatively, we could set up three variables, and a coding scheme for the 50 soft drinks. Then we could enter the respective codes (or alpha labels) into the three variables, in the same way that respondents wrote them down in the questionnaire. To produce a table of the number of respondents by soft drink we would now treat Resp.

Note that the counts in the first column of the table do not add up to 500, but rather to 842. For example, referring back to the sample listing of the data file shown above, the first case (Coke, Pepsi, Jolt) "contributes" three times to the frequency table, once to the category Coke, once to the category Pepsi, and once to the category Jolt.

The second and third columns in the table above report the percentages relative to the number of responses (second column) as well as respondents (third column).

Thus, the entry 8.

Suppose in the above example we were only interested in Coke, Pepsi, and Sprite. As pointed out earlier, one way to code the data in that case would be as follows: COKE PEPSI SPRITE. In other words, one variable was created for each soft drink, then a value of 1 was entered into the respective variable whenever the respective drink was mentioned by the respective respondent.

In a sense, we "compact" the three variables Coke, Pepsi, and Sprite into a single variable (Soft Drink) consisting of multiple dichotomies. All of these types of variables can then be used in crosstabulation tables. For example, we could crosstabulate a multiple dichotomy for Soft Drink (coded as described in the previous paragraph) with a multiple response variable Favorite Fast Foods (with many categories such as Hamburgers, Pizza, etc.

As in the frequency table, the percentages and marginal totals in that table can be computed from the total number of respondents as well as the total number of responses.

For example, consider the following hypothetical respondent: Gender Coke Pepsi Sprite Food1 Food2 FEMALE 1 1 FISH PIZZA This female respondent mentioned Coke and Pepsi as her favorite drinks, and Fish and Pizza as her favorite fast foods. In the complete crosstabulation table she will be counted in the following cells of the table: Food.

FEMALE MALE COKE PEPSI SPRITE COKE PEPSI SPRITE X X X X 2 2 This female respondent will "contribute" to (i. Paired Crosstabulation of Multiple Response Variables. A unique option for tabulating multiple response variables is to treat the variables in two or more multiple response variables as matched pairs.

Again, this method is best illustrated with a simple example. Suppose we conducted a survey of past and present home ownership. We asked the respondents to describe their last three (including the present) homes that they purchased.

For each home we asked our respondents to write down the number of rooms in the respective house, and the number of occupants. Here is how the data for one respondent (say case number 112) may be entered into a data file: Case no. Rooms 1 2 3 No. Now suppose we wanted to crosstabulate the number of rooms by the number of occupants for all respondents.

We can also treat the two factors in this study (Number of Rooms, Number of Occupants) as multiple response variables. However, it would obviously not make any sense to count the example respondent 112 shown above in cell 3 Rooms - 5 Occupants of the crosstabulation table (which we would, if we simply treated the two factors as ordinary multiple response variables).

In other words, we want to ignore the combination of occupants in the third home with the number of rooms in the first home. This is exactly what will be accomplished if we asked for a paired crosstabulation of these multiple response variables. The best way to verify that one understands the way in which the respective tables are constructed is to crosstabulate some simple example data, and then to trace how each case is counted. The example section of the Crosstabulation chapter in the manual employs this method to illustrate how data are counted for tables involving multiple response variables and multiple dichotomies.Cappers Picks are located in Antigua, West Indies.

Get our EXPERTS daily advice free to your inbox. Full Review Grab Bonus. ENJOY WINNING YOUR BETS. We respect your privacy and will never sell or give away your info to any third party. All email you receive will be from CappersPicks. Here are the details of the feature set. Passenger login is called "Pax Login".

In the next phase of this rollout, we shall be further separating "Passengers" from "Members". We shall have a Pax Login above the current. All PNRs will be anonymized, i. This is to better protect the confidentiality of travelling members and their travel plans. However, members will still be able to search their OWN. This has led to increased censorship and throttling of open discussions. This is a clarification that this site is meant for a FREE EXCHANGE of ideas.

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So there is no need to Void TLs. To address this issue, effective tomorrow, ALL. YOU are responsible for independently confirming the validity of information through other sources. Login Username Password Remember Me Forgot. Welcome to The Suspicious0bservers, an online research community investigating solar activity, earthquakes, astrophysics and weather.

Also be sure to check out the free resources in the menu bar. Eyes open, no fear.It is common for people to overestimate how much can be achieved in a particular space of time, so leave free time to cope with the unexpected. Plan time in the day to do something that gives you pleasure. Looking forward to such times helps when you have to cope with less pleasant aspects of life. Positive thinking:Do not dwell on failures and reward yourself for your successes.

Accept that everyone has limits and cannot succeed at everything. Reflect on what you have achieved.

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Asserting yourself in a positive, non-threatening way can help to combat stress. Accept the demands placed on you only as a matter of choice. People are better able to cope with stress when their bodies are healthy. Poor health in itself is a major source of stress. Incorporating periods of physical exercise into your routine will help to improve muscle control, make you feel healthier and increase self-esteem. Try to improve your diet and avoid stimulants as much as possible.

Excess caffeine or nicotine can make individuals feel anxious or on-edge. Also, ensure you get enough sleep. Do not try to cope with problems alone. You might find it useful to talk to a friend or work colleague, or talk to your line manager or employer if you are experiencing stress in the work place.

There many things you can do to help alleviate stress in your life, learning to relax and incorporating time to relax as part of your daily routine can help you to manage the symptoms of stress. By considering the approaches outlined below, you will be able to think about and experiment with what works best for you. Which approaches are most effective in relieving both the causes and symptoms of your stress. Once learned, self-help relaxation techniques are particularly useful as they are available to the stressed individual whenever the need arises and allow one to gain control over feelings and anxieties.

A very wide range of relaxation techniques have been developed, although many can be seen as variations on a number of basic methods, focusing on the physical feelings of tension, or using mental imagery to induce calm. Perhaps the most powerful method of relaxation is mindfulness. At it's simplest mindfulness is focusing on the current moment, the here and now and allowing, through a type of meditation, worries about the future or regrets about the past to melt away.

See our page on Mindfulness for more information. The symptoms of stress can sometimes be relieved by prescription of medication. Very often such drugs are prescribed to treat the immediate symptoms of stress or to help the sufferer get through a crisis. Medication will not necessarily address the causes of stress in the long term. Medication may also lead to dependence, if you think you need medication to help with your stress discuss your options carefully with your doctor or other healthcare provider.

You should also speak to your doctor if you think you may be depressed. Depression is a serious illness but common and curable, for more information see our pages: What is Depression.

Many people have a great interest in complementary and alternative therapies when attempting to control stress. You may feel that such methods are preferable to more conventional medical approaches. There are many therapies used to deal with stress, including:The SkillsYouNeed Guide to Stress and Stress ManagementLearn more about the nature of stress and how you can effectively cope with stress at work, at home and in life generally.

The Skills You Need Guide to Stress and Stress Management eBook covers all you need to know to help you through those stressful times and become more resilient. Most people suffer from stress at some time in their lives.

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An understanding of the causes of stress and learning to avoid stressful situations will help alleviate some of its negative consequences. Some people may also find it useful to use one of the many techniques or other approaches to relaxation to help manage stress themselves.

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