Tag: report

Doing Business report series – World Bank Group #business #insurance

#business report


Doing Business Report Series

The Doing Business report series includes annual reports going back to 2004, a wide variety of subnational studies, and a number of special reports dealing with regions or topics. Use the tabs to read report summaries and to download. Additional country and regional reports can be downloaded below.

Doing Business Reports

Doing Business 2016

Doing Business 2016: Measuring Regulatory Quality and Efficiency. a World Bank Group flagship publication, is the 13th in a series of annual reports measuring the regulations that enhance business activity and those that constrain it. Doing Business presents quantitative indicators on business regulations and the protection of property rights that can be compared across 189 economies—from Afghanistan to Zimbabwe—and over time.

Profiles 2016 Economy Profiles

2016 Regional Profiles

Featured Subnational Report

Doing Business in Spain 2015

This report measures business regulations and their enforcement across 17 autonomous communities and two autonomous cities in Spain. The report examines 5 areas as measured by Doing Business: starting a business, dealing with construction permits, getting electricity, registering property and trading across borders.

Featured Case Study

Measuring the cost of red tape

This note estimates the costs to firms from inefficient business regulations. Using the Doing Business data, we identify the time it takes in countries around the world for 6 major transactions regulated by governments: starting a business, transferring property, paying business taxes, exporting goods, importing goods and using courts to resolve a commercial dispute. Based on the data, we estimate that if the governments of 90 economies had applied best practice in regulating business entry in 2012, more than 45 million days of entrepreneurs time could have been saved.

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Small Business Finance Markets Report 2015 #business #article

#small business finance


Small Business Finance Markets Report 2015/16

The Small Business Finance Markets Report 2015/16 shows that the market for small business finance is improving, however a number of challenges remain:

  • A lack of businesses scaling-up is hampering UK productivity – there remains a need to stimulate a greater volume of scale-up businesses and SME exporters to counteract the UK’s lagging productivity. OECD data shows that Britain is near the bottom of the table for the percentage of businesses that grow to more than 10 employees after three years.
  • A need to delivery further diversity in the small business finance market – there is an ongoing need to accelerate the evolution of a diverse and accessible range of finance options to drive competition and choice for smaller businesses. The four largest banks still account for 80% of the small business loan market in 2014, with many small businesses not looking at alternative finance options beyond their main bank.
  • Supporting growing SMEs across all UK regions – the finance landscape remains uneven across the UK. To help rebalance growth, an increased availability of finance for smaller businesses across the UK is required. 71% of total SME equity investment is accounted for by London and South East based companies.


2015 Business Finance Survey: SMEs

This survey, undertaken by BMG Research for the British Business Bank, follows on from the previous 2012 and 2014 “SME Journey” surveys to explore SME awareness of different types of external finance and their experience of raising finance. We have extensively used the findings from this survey within our new Small Business Finance Markets 2015/16 report to assess how finance markets have changed.

Amongst the findings, this survey shows a continued increase in business awareness of alternative finance types, including peer-to-peer lending and crowdfunding. The research also shows that a higher proportion of SMEs are aiming to grow in the next 12 months (56%), compared to 46% in the previous 2014 survey.

2015 Business Finance Survey: Mid-caps

This survey, undertaken by BMG Research for the British Business Bank, assesses the characteristics of mid-caps (businesses with £25m-£500m annual turnover) and their experience of raising external finance. The survey finds that mid-cap businesses are more likely to use and seek external finance compared to SMEs, and are also more likely to obtain finance. In addition, a high proportion of mid-cap businesses (79%) are aiming to grow in the next 12 months.

Methodology Consultation: Assessing the Unmet Demand for SME debt finance

The British Business Bank would like to consult with interested stakeholders on appropriate methodologies for assessing the unmet demand for SME debt finance. The consultation seeks views on our proposed methodology and suggestions for alternative methodologies or additional data sources.

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Harvard Health Subscriptions – Harvard Health #health, #information, #medical, #information, #health, #news, #health, #report,


Get all four newsletters, plus more! Subscribe to Harvard Health Online for immediate access to health news and information from the doctors and experts at Harvard Medical School. Any time, day or night, you ll be able to research any health condition or disease, see what your symptoms could mean, research recent test results, read about the latest nutrition and fitness concepts. all from Harvard Learn more

Want to reduce pain in your knees and be more active? Eat smarter and reduce your risk for a heart attack? Improve your flexibility and balance so you don t fall? Sleep the entire night so you have more energy during the day? Take control of your health right now! In Harvard Health Letter, you ll find easy remedies and solutions to these common challenges and more. Learn more

Be on your way to a healthy heart. Subscribe to Harvard Heart Letter today. Each month, you ll get easy-to-try nutrition and exercise advice that will improve your heart s health and overall well-being. In Harvard Heart Letter you ll also read about today s breakthrough medications and treatments as well as advice from Harvard s doctors on side-effects, drug interactions Learn more

Reading Harvard Men s Health Watch each month is the simplest, easiest thing you can do to improve your health. In today s fast-paced, information-packed world, it s not always easy to do the right thing for yourself. But a few minutes each month with Harvard s physicians in the pages of Men s Health Watch can help you reduce your stress, lower your blood pressure, reduce Learn more

What s your most important health concern? Chances are, you ll find an article discussing it in a recent issue of Harvard Women s Health Watch. Are you at risk for heart disease? If you eat a balanced diet, are supplements necessary? Will new drugs help prevent breast cancer? Can simple exercises like stretching and walking have a noticeable impact on my health? Subscribe now for Learn more

Already a subscriber?

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ANALYZER for RECOVER Fixed #analyzer #for #recover #fixed/floppy #disk, #download #analyzer #for #recover #fixed/floppy


ANALYZER for RECOVER Fixed/Floppy Disk FREEWARE visually reports on bad sectors in system area of floppy disk. You can check if Boot Sector, FAT 1, FAT 2, and ROOT FOLDER sectors are good or bad. You find how much of remaining file system can help recover files when you use RECOVER Fixed/Floppy Disk. While RECOVER Fixed/Floppy Disk (RFD) brings simplicity into data recovery, ANALYZER for RECOVER Fixed/Floppy Disk V0.2 gives a head start to using RFD.

When Boot Sector on floppy is bad, WINDOWS 98SE displays a window with this error message:

The disk in drive A: is not formatted:

Do you want to format it now?

When 1st FAT sector on floppy is bad, WINDOWS 98SE displays the same error message for reasons known to itself.

When first Root Folder Sector is bad, WINDOWS 98SE displayed a window with this error message:

A: is not accessible:

The system cannot read from the specified device

If it is the Boot Sector or the 1st FAT sector or both that is/are damaged, you can use RECOVER Fixed/Floppy Disk to recover your files. If ROOT FOLDER got damaged, if your disk analysis shows that first few sectors are good, you can use RECOVER Fixed/Floppy Disk.

If you run Disk Defragmenter quite often, even if both FAT copies got damaged, you can recover your files by using RECOVER Fixed/Floppy Disk.

Must-have disk utility.

No more groping around for locating disk surface damage in system area.

If your OS says it can do nothing, it is not going to affect your decision making.

ANALYZER for RECOVER Fixed/Floppy Disk V0.2 gives you a head start in accurately locating disk errors that unsettle the Operating System. You can figure out what system area got damaged and to what extent. This serves as a starting point for using RECOVER Fixed/Floppy Disk. ANALYZER for RECOVER Fixed/Floppy Disk V0.2 simplifies reporting on Boot Sector, FAT copies and ROOT FOLDER to a single page. You get INT 25H sector numbers and readability status in color codes on screen.

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Microsoft Security #security #vulnerability #assessment #report


Microsoft Bounty Programs

Calling all Microsoft friends, hackers, and researchers! Do you want to help us protect customers, making some of our most popular products better… and earn money doing so? Step right up!

Microsoft offers direct payments in exchange for reporting certain types of vulnerabilities and exploitation techniques.

Microsoft has championed many initiatives to advance security and to help protect our customers, including the Security Development Lifecycle (SDL) process and Coordinated Vulnerability Disclosure (CVD). We formed industry collaboration programs such as the Microsoft Active Protections Program (MAPP) and Microsoft Vulnerability Research (MSVR), and created the BlueHat Prize to encourage research into defensive technologies. Since June 2013, we’ve also offered bounties for certain classes of vulnerabilities reported to us. These bounty programs help Microsoft harness the collective intelligence and capabilities of security researchers to help protect customers. As you’ll see from the list below, several time-limited programs apply only to preview versions, so we can address the vulnerabilities before the final version is complete.

Microsoft Security Response Center

Active Bounty Programs for Windows

Critical and important vulnerabilities in Windows Insider Preview slow

Up to $15,000 USD

Up to $30,000 USD

Critical remote code execution, information disclosure and denial of services vulnerabilities in Hyper-V

Up to $250,000 USD

Critical remote code execution and design issues in Microsoft Edge in Windows Insider Preview slow

Up to $15,000 USD

Novel exploitation techniques against protections built into the latest version of the Windows operating system.

Up to $100,000 USD

Defensive ideas that accompany a qualifying Mitigation Bypass submission

Up to $100,000 (in addition to any applicable Mitigation Bypass Bounty)

Active Bounty Programs for .NET and Cloud

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SixthSense – a wearable gestural interface (MIT Media Lab) #sixth #sense, #mit #media #lab,


‘SixthSense’ is a wearable gestural interface that augments the physical world around us with digital information and lets us use natural hand gestures to interact with that information.

We’ve evolved over millions of years to sense the world around us. When we encounter something, someone or some place, we use our five natural senses to perceive information about it; that information helps us make decisions and chose the right actions to take. But arguably the most useful information that can help us make the right decision is not naturally perceivable with our five senses, namely the data, information and knowledge that mankind has accumulated about everything and which is increasingly all available online. Although the miniaturization of computing devices allows us to carry computers in our pockets, keeping us continually connected to the digital world, there is no link between our digital devices and our interactions with the physical world. Information is confined traditionally on paper or digitally on a screen. SixthSense bridges this gap, bringing intangible, digital information out into the tangible world, and allowing us to interact with this information via natural hand gestures. ‘SixthSense’ frees information from its confines by seamlessly integrating it with reality, and thus making the entire world your computer.

The SixthSense prototype is comprised of a pocket projector, a mirror and a camera. The hardware components are coupled in a pendant like mobile wearable device. Both the projector and the camera are connected to the mobile computing device in the user’s pocket. The projector projects visual information enabling surfaces, walls and physical objects around us to be used as interfaces; while the camera recognizes and tracks user’s hand gestures and physical objects using computer-vision based techniques. The software program processes the video stream data captured by the camera and tracks the locations of the colored markers (visual tracking fiducials) at the tip of the user’s fingers using simple computer-vision techniques. The movements and arrangements of these fiducials are interpreted into gestures that act as interaction instructions for the projected application interfaces. The maximum number of tracked fingers is only constrained by the number of unique fiducials, thus SixthSense also supports multi-touch and multi-user interaction.

The current prototype system costs approximate $350 to build. Instructions on how to make your own prototype device can be found here (coming soon).

some more pictures are coming soon.

. more videos are coming soon, too.

  • P. Mistry, P. Maes. SixthSense – A Wearable Gestural Interface. In the Proceedings of SIGGRAPH Asia 2009, Sketch. Yokohama, Japan. 2009
  • P. Mistry, P. Maes. SixthSense – A Wearable Gestural Interface. In the Proceedings of SIGGRAPH Asia 2009, Emerging Technologies. Yokohama, Japan. 2009
  • P. Mistry. The thrilling potential of SixthSense technology. TEDIndia 2009. Mysore, India 2009
  • P. Mistry, P. Maes, L. Chang. WUW – Wear Ur World – A Wearable Gestural Interface. In the CHI ’09 extended abstracts on Human factors in computing systems. Boston, USA. 2009
  • P. Maes, P. Mistry. Unveiling the “Sixth Sense,” game-changing wearable tech. TED 2009. Long Beach, CA, USA 2009

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See What Climate Change Means for the World’s Poor #poverty, #climate #change, #climate, #report


See What Climate Change Means for the World’s Poor

A child works in a factory in India. Apart from environmental devastation, climate change could have disastrous effects for poorer countries.

Photograph by Akshay Gupta, Pacific Press, Getty Images

Climate change has been linked to increased frequency and intensity of destructive weather events, such as floods and hurricanes. But the effects of a warming planet on crops may pose an even greater danger, especially for the world’s poor, according to the World Bank.

“Agriculture is one of the most important economic sectors in many poor countries,” says a report from the institution. “Unfortunately, it is also one of the most sensitive to climate change given its dependence on weather conditions, both directly and through climate-dependent stressors (pests, epidemics, and sea level rise).”

More on Paris Climate Talks

The report focuses on developing economies and doesn’t include North America, Australia, or a handful of other areas. It sets up two scenarios to project the effects of climate change. The “prosperity scenario” is optimistic: It predicts strong economic growth, fewer people living in poverty, and improvements in basic services. The “poverty scenario” isn’t as hopeful: It predicts the number of impoverished people will grow from the current 702 million to around 900 million by 2030 without factoring in climate change. When climate change is part of the equation, more than a billion people will be in poverty. Most of that additional 100 million, the report says, will become poor due to rising food prices.

By 2030, effects of climate change on agriculture key to driving people into poverty

Number of people in extreme poverty, in millions

Without climate change

With high-impact climate change

Without climate change

With high-impact climate change

126 million more people will be affected with a high-impact climate change. These are the main causes

Food prices and production affected

Malaria, diarrhea, undernutrition

Reduced labor productivity

Without climate change

With high-impact climate change

Without climate change

With high-impact climate change

With high-impact climate change, 126 million additional people will be affected. Main causes shown.

Reduced labor productivity

Food prices and production affected

Malaria, diarrhea, undernutrition

*Scenarios developed based on different social and economic policies

NG STAFF SOURCES: World Bank; Rozenberg and Hallegatte

Higher food prices can be devastating for the poor. Think about your own budget: How much do you spend on groceries relative to your entire paycheck, your rent or mortgage, or your phone bill? If you’re poor, you spend a higher percentage of your total income on food. In some regions, the poorest residents use more than 60 percent of their income to buy food while for the wealthiest, it’s less than 10 percent.

Poor households spend more of their budget on food

Percent of household budget spent on food

There are health risks beyond malnutrition. Disease rates are expected to rise. World leaders are now meeting in Paris to negotiate plans to curb CO2 emissions in an effort to limit the global temperature increase to 2 degrees Celsius. The World Bank report says a small rise in temperatures “could increase the number of people at risk for malaria by up to 5 percent, or more than 150 million more people affected. Diarrhea would be more prevalent, and increased water scarcity would have an effect on water quality and hygiene.”

In poor countries, half of all health expenditures are paid out-of-pocket

Percent total share of health care expenditure between different income levels in 2011


Like rising food costs, these diseases would disproportionately affect people with lower incomes who pay more out of pocket for healthcare. Think of it this way: When you pay for medical treatment, how much do you pay in cash? Those in poorer countries pay more than half of their medical bills, while those in richer countries pay less than a quarter, with private insurance, government aid, and other forms of assistance paying for the rest.

These estimates are all based on the most pessimistic model for climate change. If action is taken immediately, some of the effects might be curbed, but the potential for climate change to cause financial ruin or push the world’s poor deeper into poverty remains. What’s more, the poorest countries are the least responsible for the carbon emissions that are warming the planet and putting their residents at risk.

In the chart below, the circles relate to overall emissions, the vertical axis represents pollution per capita, and the horizontal axis is gross domestic product.

The poorest countries not only emit the least CO2 per capita, they also contribute the least total emissions on a global scale. But that presents another problem as these countries try to lift their residents out of poverty, and it’s adding to the complexities of the Paris climate talks.

Poorest countries emit the least CO2, but affected by it the most*

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California DMV Paperwork When Buying a Car #california, #buying #a #car #in #california, #california


Paperwork When Buying a Car in California

After buying a car in California, you will need certain documents from the seller before you can properly transfer ownership.

Use this guide to learn more about the paperwork required by the California Department of Motor Vehicles (DMV) for vehicle transactions.

Paperwork for California Car Buyers

Once you purchase a car in California, you’ll have 10 days to title and register it with the DMV to avoid penalty. This will vary depending on if you bought it from a dealership or a private party. as dealerships will file your paperwork for you and make it unlikely you’ll have to visit the DMV post-transaction.

When buying a car from a private seller, you’ll need certain documents from the seller before titling and registration can be completed. These include:

  • The vehicle’s title .
    • Fill out each of the transfer sections, including:
      • Signatures from the buyer and seller.
      • The purchase price .
      • An odometer disclosure statementIF the vehicle is under 10 years old.
    • If the title is missing, a new title can be obtained by the seller by completing an Application for Duplicate or Paperless Title (Form REG 227).
  • A smog certificate .
    • Required if the car is more than 4 years old.
  • A bill of sale .
    • Though not required by the California DMV to transfer ownership, a bill of sale can help you prove transfer of ownership and the purchase price.

CA Car Registration Paperwork

To title and register your vehicle in California, bring the following paperwork to your local DMV within 10 days of the purchase:

  • The vehicle title. smog certificate. and bill of sale as described above.
  • A completed Application for Title or Registration (Form REG 343).
  • Payment for the fees due, including:
    • Registration fee: $46 .
    • California Highway Patrol fee: $24 .

For information about registration, please visit our guide to registering a car in California .

Registering Out-of-State Vehicles

In some instances, you may have purchased a vehicle outside of California. or the owner has just arrived in the state and is selling their car. In these instances, the following paperwork may also be needed in addition to the documents outlined above when registering an out-of-state vehicle in California:

  • Out-of-state registration documents .
  • Current license plates .
  • A completed Verification of Vehicle (Form REG 31) completed by any of the following:
    • An authorized DMV agent.
    • Law enforcement.
    • A licensed vehicle verifier.
  • A completed Statement of Facts (Form REG 256).
    • You will need to fill this form out if you have previously paid sales or use tax in your former state of residence.


Complete this form to request a duplicate CA title OR paperless title, which you can use while transferring ownership of a vehicle.

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Redev: Jasper Reports Server: PHP PDF Reporting #jasper #report #server


Reports from PHP using Jasper

I have a PHP web application which needed a new reporting engine. The old engine did nothing more than create html page reports. Yes, it was functional and easy to maintain, but for stylish printable reports that my clients can give to their customers or management, I needed something more.

Enter Jasper Reports (www.jasperforge.org )! I first used Jasper Reports and iReports about 5 years ago in a Java app. My, how it has matured, especially iReports!.

I played around with Jasper for several hours over a week, and with little effort ended up with a reporting system integrated into my PHP web app.

This is what I ended up with – ok I didn’t do it all, JasperForge has all the cool bits. I only had to work out the SOAP client bit in PHP!

Now my reporting system workflow looks like this –

  • I can visually design and test reports locally on my PC.
  • I then upload a report from iReports to the Jasper Server (its on a remote machine)
  • A simple SOAP request from PHP in my web app generates a report as PDF (or other formats).
  • Jasper Server’s scheduling system also means I can set up automatic report generating and emailing. Neat!

Basic process to get started
Here is what I did. It’s well documented on JasperForge.org. Spend some time reading through the FAQs and Tutorials.

  • Download iReports (Visual Reports Designer) to my windows workstation.
  • Download Jasper Server and install it on my remote linux web server. (I had to open ports in the firewall to get iReports to connect the the Jasper Server).

iReports has a plugin to connect to a Jasper Server to upload and manage reports. I created a report and got it working locally (using a local JDBC/MySQL datasource) first before uploading it to the Jasper Server.

I logged into the Jasper Server Web Interface to configure a data source and parameters (input controls) for the report, but most of this can be done from iReports.

This is the bit I had to figure out myself (I’ve never worked with SOAP before). I created this PHP code using bits and pieces from similar clients and the sample Jasper code. It creates a SOAP request to the Jasper Server to generate a PDF report, and outputs it to the callers browser.

set_time_limit(120); // sets max_execution_time
ini_set(“memory_limit”, “8M”);

header(‘Content-type: application/pdf’);
header(“Content-Disposition: attachment; filename=CurrentListings.pdf”);

$wsdl = “http://HOSTNAME:8080/jasperserver/services/repository?wsdl”;
$username = “jasperadmin”; // I’m just using the default here
$password = “jasperadmin”; // I’m just using the default here
$format = “PDF”; // Could be HTML, RTF, etc (but remember to update the Content-Type header above)
$report = “/REPORT/ID”; // Get this from Jasper Server Web Admin
$imageURL = ‘http://HOSTNAME/image’; // This is a report parameter passed in.

$client = new SoapClient($wsdl, array(‘login’ = $username, ‘password’ = $password, “trace” = 1, “exceptions” = 0));

$request = ” request operationName=\”runReport\” locale=\”en\”
argument name=\”RUN_OUTPUT_FORMAT\” $format /argument
resourceDescriptor name=\”\” wsType=\”\”
label null /label
parameter name=’imageURL’ isListItem=’false’ $imageURL /parameter
/request “;

$client- runReport($request);
echo $client- __getLastResponse();

Gotchas to Note

PHP (I’m using 5.3) threw an exception at the SOAP request, reporting that it did not get an XML document back.The solution was to add exceptions = 0 to the options, and use $client- __getLastResponse() to get the PDF output. My quick research on php.net and Google leads me to think that PHP is very picky about the XML responses it receives (it cannot have leading spaces in the response for example) and that Jasper Server’s XML response somehow upsets the PHP SOAP class. I’ll revise this post if/when I learn more.

Its worth noting that you can call a url on the Jasper Server to output a report directly (see Jasper Server User’s Guide). I opted for the above method because it give me more control over the request and integrates better to the PHP web app.

Other Alternatives for PHP Reporting

Other alternatives to Jasper I have tried are below. There are not full instructions to get them working, you’ll need to do a little research yourself for that.

PHP/Java Bridge lets you execute Java code (Which JasperReports is written in) from PHP.

My intentions here was to compile and fill a report from PHP using Java.

After installing PHP/Java Bridge (I just ran JavaBridge.jar) I ended up with this php code, copied mostly form JasperForge.org’s getting started guide.

// Important: Requires allow_url_include = On in php.ini
require_once “http://HOSTNAME:8081/JavaBridge/java/Java.inc”;

$class = new JavaClass(“java.lang.Class”);
$class- forName(“com.mysql.jdbc.Driver”);
$driverManager = new JavaClass(“java.sql.DriverManager”);
$conn = $driverManager- getConnection(“jdbc:mysql://HOSTNAME/DATABASE? user=USERNAME password=PASSWORD”);

$compileManager = new JavaClass(“net.sf.jasperreports.engine.JasperCompileManager”);
$report = $compileManager- compileReport(realpath(“report.jrxml”));
$fillManager = new JavaClass(“net.sf.jasperreports.engine.JasperFillManager”);
$params = new Java(“java.util.HashMap”);
$params- put(“imageURL”, “http://HOSTNAME/image”); // Pass a report parameter
$emptyDataSource = new Java(“net.sf.jasperreports.engine.JREmptyDataSource”);
$jasperPrint = $fillManager- fillReport($report, $params, $conn);
$exportManager = new JavaClass(“net.sf.jasperreports.engine.JasperExportManager”);
$outputPath = realpath(“.”).”/”.”output.pdf”;
$exportManager- exportReportToPdfFile($jasperPrint, $outputPath);

This method worked, but I ended up spending more time mucking around the the PHP/Java Bridge and reports and it did not not add anything of value for me compared to the Jasper Server solution. The biggest headache was identifying all the necessary JAR files required by JasperReports and include them will the bridge. Obviously, JasperServer already takes care of all that for you.

I’m very impressed with this tool. I’ve been looking for one like it for years! It’s a command line tool that renders a web page using WebKit and outputs it as PDF. Using this for a PDF generating reporting engine worked, but because it’s base on a web page you don’t have control over headers, footers, grouping etc.

After installing the toolkit, I used this PHP code to generate a PDF report. It took a little effort to get the command line and file redirections working (wkhtmltopdf also has link to a PHP extension (source code), but I did not try it.)

header(‘Content-type: application/pdf’);
header(“Content-Disposition: attachment; filename=PropertyViewsReport.pdf”);

$tempDir = “C:/tmp”;
$tmpFileSrc = tempnam($tempDir, “report”);
$tmpFileDest = tempnam($tempDir, “report”);

include “propertyViewsReport.report.html.php”; // This script generates the HTML report.
$c = ob_get_contents();

$cmd = “\”C:\\Program Files\\wkhtmltopdf\\wkhtmltopdf.exe\” \”$tmpFileSrc\” \”$tmpFileDest\””;

$retVal = null;
system($cmd, $retVal);


Other PHP SOAP Clients

I tried other PHP Jasper SOAP clients, including one from JasperForge.org, but looked for other solutions when I could not get them to easily work. Try Googling “Jasper PHP Soap Client”

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How to Write a Business Report for English Learners #e #business

#business report


How to Write a Business Report for English Learners

By Kenneth Beare. English as 2nd Language Expert

Kenneth is an ESL teacher, trainer, and content developer. He provides consulting services for English language learning projects through Englishfeed. You can follow Kenneth on Twitter. on his Google profile: Kenneth Beare. or on Facebook to stay up to date on his latest English learning materials.

Updated July 28, 2015.

If you would like to learn how to write a business report in English follow these tips and use the example report as a template on which to base your own business report. First of all, business reports provide important information for management that is timely and factual. English learners writing business reports need to make sure that the language is precise and concise. The writing style used for business reports should present information without strong opinions, but rather as direct and accurately as possible.

Continue Reading Below

Linking language should be used to connect ideas and sections of the business report. This example business report presents the four essentials that every business report should include:

Terms of reference refer to the terms on which the business report is written.

The procedure describe the method that was used to collect data for the report.

The findings describe the data or other important information the report produced.

Conclusions are drawn on the findings which provide reasons for recommendations.

The recommendations are specific suggestions made based on the conclusions of the report.

Read the short example business report and follow the tips below. Teachers can print this examples for use in class in lessons using sound teaching writing strategies .

Reports: Example Report

Margaret Anderson, Director of Personnel has requested this report on employee benefits satisfaction. The report was to be submitted to her by 28 June.

A representative selection of 15% of all employees were interviewed in the period between April 1st and April 15th concerning:

Continue Reading Below

  1. Overall satisfaction with our current benefits package
  2. Problems encountered when dealing with the personnel department
  3. Suggestions for the improvement of communication policies
  4. Problems encountered when dealing with our HMO
  1. Employees were generally satisfied with the current benefits package.
  2. Some problems were encountered when requesting vacation due to what is perceived as long approval waiting periods.
  3. Older employees repeatedly had problems with HMO prescription drugs procedures.
  4. Employees between the ages of 22 and 30 report few problems with HMO.
  5. Most employees complain about the lack of dental insurance in our benefits package.
  6. The most common suggestion for improvement was for the ability to process benefits requests online.
  1. Older employees, those over 50, are having serious problems with our HMO s ability to provide prescription drugs.
  2. Our benefits request system needs to be revised as most complaints concerning in-house processing.
  3. Improvements need to take place in personnel department response time.
  4. Information technology improvements should be considered as employees become more technologically savvy.
  1. Meet with HMO representatives to discuss the serious nature of complaints concerning prescription drug benefits for older employees.
  2. Give priority to vacation request response time as employees need faster approval in order to be able to plan their vacations.
  3. Take no special actions for the benefits package of younger employees.
  4. Discuss the possibility of adding an online benefits requests system to our company Intranet.

Important Points to Remember

  • A report is divided into four areas:
    • Terms of Reference – This section gives background information on the reason for the report. It usually includes the person requesting the report.
    • Procedure – The procedure provides the exact steps taken and methods used for the report.
    • Findings – The findings point out discoveries made during the course of the report investigation.
    • Conclusions – The conclusions provide logical conclusions based on the findings.
    • Recommendations – The recommendations state actions that the writer of the report feels need to be taken based on the findings and conclusions.
  • Reports should be concise and factual. Opinions are given in the conclusions section. However, these opinions should be based on facts presented in the findings .
  • Use simple tenses (usually the present simple) to express facts.
  • Use the imperative form (Discuss the possibility. Give priority. etc.) in the recommendations section as these apply to the company as a whole.

Continue learning about other types of business documents using these resources:

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