Wave is a Canadian company that provides financial services and software for small businesses. Wave is headquartered in the East Bayfront neighbourhood in Toronto, Canada. The company's first product was free online accounting software designed for businesses with 1–9 employees, followed by invoicing, personal finance and receipt-scanning software (OCR). In 2012, Wave began branching into financial services, initially with Payments by Wave (credit card processing) and Payroll by Wave, followed in February 2017 by Lending by Wave, which has since been discontinued. == History == CEO Kirk Simpson and CPO James Lochrie launched Wave Accounting Inc. in July 2009, Wave Accounting launched to the public on November 16, 2010. In June 2011, Series A funding led by OMERS Ventures was closed. In September 2011, FedDev Ontario invested one million dollars in funding. In October 2011, a $5-million investment led by U.S. venture capital firm Charles River Ventures was announced. In May 2012, Wave Accounting closed its series B financing round led by The Social+Capital Partnership, with follow-on participation from Charles River Ventures and OMERS Ventures. Wave acquired a company called Small Payroll in November 2011, which was later launched as a payroll product called Wave Payroll. In February 2012, Wave officially launched Wave Payroll to the public in Canada, followed by the American release in November of the same year. In August, 2012, the company announced the acquisition of Vuru.co, an online stock-tracking service. Terms of the deal were not disclosed. In December 2012, the company rebranded itself as Wave to emphasize its broadened spectrum of services. On March 14, 2019, the company acquired Every, a Toronto-based fintech company that provides business accounts and debit cards to small businesses. On June 11, 2019, the company announced it was being acquired by tax preparation company, H&R Block, for $537 million. On June 15, 2022, Wave announced that Kirk Simpson would be leaving and being replaced as CEO by Zahir Khoja. In May 2025, US customers of Wave were transitioned to a new Payroll processing system supported by CheckHQ. The new integration improved support for US employers by handling employer tax withholding and payments in all 50 US States. == Products == The company's initial product, Accounting by Wave, is a double entry accounting tool. Services include direct bank data imports, invoicing and expense tracking, customizable chart of accounts, and journal transactions. Accounting by Wave integrates with expense tracking software Shoeboxed and e-commerce website Etsy. The next product launched was Payroll by Wave, which was launched in 2012 after the acquisition of SmallPayroll.ca. Payroll by Wave is only available in the US and Canada. Invoicing by Wave is an offshoot of the company's earlier accounting tools. Additional products launched on or shortly after the company's rebrand in December 2012 include: a credit card processing tool, Payments by Wave, built initially on integration with Stripe credit card processing. However, Wave does not report merchant fees correctly for countries where Stripe charges a tax such as GST. In these cases, the merchant fees are reported without tax and do not match your Stripe account. a receipt scanning tool, Receipts by Wave. In 2017, Wave signed an agreement to provide its platform on RBC's online business banking site. The RBC-Wave service will be co-branded. == Taxes supported == The company's software supports tax-exclusive pricing, such as U.S. sales tax, where taxes are added on top of prices quoted. This has two effects: When scanning receipts users must manually add the tax, and input the amount. When making an invoice, users must put in a price before tax, and the system will add the tax on top. This makes Wave unable to handle taxes in countries like Australia where prices must be quoted inclusive of all taxes, such as GST. There is no way to set an invoice total and have Wave calculate the tax portion as a percentage. == Pricing and business model == As of June 10, 2024, Wave offers two tiers for its software: a free Starter plan with limitations on some features, and a paid Pro plan. In addition to its paid plan, revenue from the company comes from other paid financial services the company offers: Payments by Wave: Card processing which includes debit, credit and prepaid cards as well as ACH (bank payments) in the United States. Fees are a percentage of the transaction. Payroll by Wave: Monthly subscription fee plus usage fees. Wave previously included advertising on its pages as a source of revenue. Advertising was removed in January 2017. In 2017, Wave raised $24m (USD) in funding led by NAB Ventures. In 2019, H&R Block announced the acquisition of Wave in a cash deal worth $405 million USD.
Peanut App
Peanut, a product of Peanut App Ltd. is an online community for women who are planning to become pregnant, women who are pregnant, women who have had children, and women who are experiencing menopause. Profiles of potential friends are displayed to users who can swipe up to show intent to connect. Users can also connect via discussion threads, groups, and live audio conversations. The app allows users to select their stage of life (trying to conceive, pregnancy, motherhood, or menopause), so as to meet women at a similar life stage, and to discover relevant content. Peanut was founded by Michelle Kennedy shortly after she left Bumble, a female-first dating app. She has described Peanut as, "the app she wishes she had when she first became a mother". == History == Peanut was initially launched in 2017 for mothers and pregnant women. The app focuses on helping users find others with shared interests, such as spoken languages, occupations, and hobbies. It also displays a woman's life stage, such as the age of her children, or the stage of pregnancy. In 2018, it launched a community discussion feature that intended to give women an "alternative to other social platforms". In 2019, it started to serve women who are trying to conceive. In April 2021, it integrated live audio, in response to the COVID-19 pandemic, and the restrictions around in-person socializing. in September 2021, it started to include women who are navigating perimenopause, menopause, and postmenopausal. Although it had initially catered for younger women navigating into new families, a large number of users had undergone surgically or chemically induced menopause due to medical conditions. In July 2021, Peanut launched an investment micro fund, Peanut StartHER, focused on investing in women-owned businesses, as well as other historically excluded founders. == Operation == The Peanut app is a social network exclusively for women, focusing on topics of pregnancy, motherhood, fertility, and menopause. It is available on iOS and Android devices. Users must prove their identity, in keeping with the primary function of in-app safety, and then they can create a profile to interact with other users. For pregnant users, the “Bump Buddies” feature helps connect them with other Peanut users who have a similar due date, which aimed to help expecting mothers combat loneliness during the COVID-19 pandemic. Peanut users also have the option to join “Groups” ‒ sub-sections of users focused on specific topics, including (but not limited to) location, life stage, pregnancy due date, and interests or hobbies. The live voice chat feature “Pods”, enables Peanut users to socialize without the pressure of photos or video chat. It offers features such as a muted audience of listeners who need to virtually raise their hand to speak, emoji reactions, and hosts who can moderate the conversations and invite people to speak.
ARMA International
ARMA International (formerly the Association of Records Managers and Administrators) is an American not-for-profit professional association for information professionals – primarily information management (including records management) and information governance, and related industry practitioners and vendors. The association provides educational opportunities and publications covering aspects of information management broadly. == History == The Association was founded in 1955. In 1975, the Association of Records Executives and Administrators (AREA) and the American Records Management Association merged to form ARMA International. The headquarters for ARMA International is located in Overland Park, Kansas. == Operations == ARMA International services professionals in the United States, Canada, Japan, and the United Kingdom. Its members include records managers, attorneys, information technology professionals, consultants, and archivists involved in various aspects of managing records and information assets. ARMA hosts an annual conference with the goal of bringing together record and information management professionals from around the world – In 2023, ARMA hosted conferences in both the United States and Canada. Topics addressed in the 120+ educational sessions include advanced technology, creating information structure, ediscovery and information law, information management fundamentals, information project management, and reducing organizational information risk. The expo features exhibitors displaying records and information technologies, products, and services.
Sieve of Pritchard
In mathematics, the sieve of Pritchard is an algorithm for finding all prime numbers up to a specified bound. Like the ancient sieve of Eratosthenes, it has a simple conceptual basis in number theory. It is especially suited to quick hand computation for small bounds. Whereas the sieve of Eratosthenes marks off each non-prime for each of its prime factors, the sieve of Pritchard avoids considering almost all non-prime numbers by building progressively larger wheels, which represent the pattern of numbers not divisible by any of the primes processed thus far. It thereby achieves a better asymptotic complexity, and was the first sieve with a running time sublinear in the specified bound. Its asymptotic running-time has not been improved on, and it deletes fewer composites than any other known sieve. It was created in 1979 by Paul Pritchard. Since Pritchard has created a number of other sieve algorithms for finding prime numbers, the sieve of Pritchard is sometimes singled out by being called the wheel sieve (by Pritchard himself) or the dynamic wheel sieve. == Overview == A prime number is a natural number that has no natural number divisors other than the number 1 and itself. To find all the prime numbers less than or equal to a given integer N, a sieve algorithm examines a set of candidates in the range 2, 3, …, N, and eliminates those that are not prime, leaving the primes at the end. The sieve of Eratosthenes examines all of the range, first removing all multiples of the first prime 2, then of the next prime 3, and so on. The sieve of Pritchard instead examines a subset of the range consisting of numbers that occur on successive wheels, which represent the pattern of numbers left after each successive prime is processed by the sieve of Eratosthenes. For i > 0, the ith wheel Wi represents this pattern. It is the set of numbers between 1 and the product Pi = p1 · p2 ⋯ pi of the first i prime numbers that are not divisible by any of these prime numbers (and is said to have an associated length Pi). This is because adding Pi to a number does not change whether it is divisible by one of the first i prime numbers, since the remainder on division by any one of these primes is unchanged. So W1 = {1} with length P1 = 2 represents the pattern of odd numbers; W2 = {1,5} with length P2 = 6 represents the pattern of numbers not divisible by 2 or 3; etc. Wheels are so-called because Wi can be usefully visualized as a circle of circumference Pi with its members marked at their corresponding distances from an origin. Then rolling the wheel along the number line marks points corresponding to successive numbers not divisible by one of the first i prime numbers. The animation shows W2 being rolled up to 30. It is useful to define Wi → n for n > 0 to be the result of rolling Wi up to n. Then the animation generates W2 → 30 = {1,5,7,11,13,17,19,23,25,29}. Note that up to 52 − 1 = 24, this consists only of 1 and the primes between 5 and 25. The sieve of Pritchard is derived from the observation that this holds generally: for all i > 0, the values in Wi → (p2i+1 − 1) are 1 and the primes between pi+1 and p2i+1. It even holds for i = 0, where the wheel has length 1 and contains just 1 (representing all the natural numbers). So the sieve of Pritchard starts with the trivial wheel W0 and builds successive wheels until the square of the wheel's first member after 1 is at least N. Wheels grow very quickly, but only their values up to N are needed and generated. It remains to find a method for generating the next wheel. Note in the animation that W3 = {1,5,7,11,13,17,19,23,25,29} − {5 · 1 , 5 · 5} can be obtained by rolling W2 up to 30 and then removing 5 times each member of W2.This also holds generally: for all i ≥ 0, Wi+1 = (Wi → Pi+1) − {pi+1 · w | w ∈ Wi}. Rolling Wi past Pi just adds values to Wi, so the current wheel is first extended by getting each successive member starting with w = 1, adding Pi to it, and inserting the result in the set. Then the multiples of pi+1 are deleted. Care must be taken to avoid a number being deleted that itself needs to be multiplied by pi+1. The sieve of Pritchard as originally presented does so by first skipping past successive members until finding the maximum one needed, and then doing the deletions in reverse order by working back through the set. This is the method used in the first animation above. A simpler approach is just to gather the multiples of pi+1 in a list, and then delete them. Another approach is given by Gries and Misra. If the main loop terminates with a wheel whose length is less than N, it is extended up to N to generate the remaining primes. The algorithm, for finding all primes up to N, is therefore as follows: Start with a set W = {1} and length = 1 representing wheel 0, and prime p = 2. As long as p2 ≤ N, do the following: if length < N, then extend W by repeatedly getting successive members w of W starting with 1 and inserting length + w into W as long as it does not exceed p · length or N; increase length to the minimum of p · length and N. repeatedly delete p times each member of W by first finding the largest ≤ length and then working backwards. note the prime p, then set p to the next member of W after 1 (or 3 if p was 2). if length < N, then extend W to N by repeatedly getting successive members w of W starting with 1 and inserting length + w into W as long as it does not exceed N; On termination, the rest of the primes up to N are the members of W after 1. === Example === To find all the prime numbers less than or equal to 150, proceed as follows. Start with wheel 0 with length 1, representing all natural numbers 1, 2, 3...: 1 The first number after 1 for wheel 0 (when rolled) is 2; note it as a prime. Now form wheel 1 with length 2 × 1 = 2 by first extending wheel 0 up to 2 and then deleting 2 times each number in wheel 0, to get: 1 2 The first number after 1 for wheel 1 (when rolled) is 3; note it as a prime. Now form wheel 2 with length 3 × 2 = 6 by first extending wheel 1 up to 6 and then deleting 3 times each number in wheel 1, to get 1 2 3 5 The first number after 1 for wheel 2 is 5; note it as a prime. Now form wheel 3 with length 5 × 6 = 30 by first extending wheel 2 up to 30 and then deleting 5 times each number in wheel 2 (in reverse order), to get 1 2 3 5 7 11 13 17 19 23 25 29 The first number after 1 for wheel 3 is 7; note it as a prime. Now wheel 4 has length 7 × 30 = 210, so we only extend wheel 3 up to our limit 150. (No further extending will be done now that the limit has been reached.) We then delete 7 times each number in wheel 3 until we exceed our limit 150, to get the elements in wheel 4 up to 150: 1 2 3 5 7 11 13 17 19 23 25 29 31 37 41 43 47 49 53 59 61 67 71 73 77 79 83 89 91 97 101 103 107 109 113 119 121 127 131 133 137 139 143 149 The first number after 1 for this partial wheel 4 is 11; note it as a prime. Since we have finished with rolling, we delete 11 times each number in the partial wheel 4 until we exceed our limit 150, to get the elements in wheel 5 up to 150: 1 2 3 5 7 11 13 17 19 23 25 29 31 37 41 43 47 49 53 59 61 67 71 73 77 79 83 89 91 97 101 103 107 109 113 119 121 127 131 133 137 139 143 149 The first number after 1 for this partial wheel 5 is 13. Since 13 squared is at least our limit 150, we stop. The remaining numbers (other than 1) are the rest of the primes up to our limit 150. Just 8 composite numbers are removed, once each. The rest of the numbers considered (other than 1) are prime. In comparison, the natural version of Eratosthenes sieve (stopping at the same point) removes composite numbers 184 times. == Pseudocode == The sieve of Pritchard can be expressed in pseudocode, as follows: algorithm Sieve of Pritchard is input: an integer N >= 2. output: the set of prime numbers in {1,2,...,N}. let W and Pr be sets of integer values, and all other variables integer values. k, W, length, p, Pr := 1, {1}, 2, 3, {2}; {invariant: p = pk+1 and W = Wk ∩ {\displaystyle \cap } {1,2,...,N} and length = minimum of Pk,N and Pr = the primes up to pk} while p2 <= N do if (length < N) then Extend W,length to minimum of plength,N; Delete multiples of p from W; Insert p into Pr; k, p := k+1, next(W, 1) if (length < N) then Extend W,length to N; return Pr ∪ {\displaystyle \cup } W - {1}; where next(W, w) is the next value in the ordered set W after w. procedure Extend W,length to n is {in: W = Wk and length = Pk and n > length} {out: W = Wk → {\displaystyle \rightarrow } n and length = n} integer w, x; w, x := 1, length+1; while x <= n do Insert x into W; w := next(W,w); x := length + w; length := n; procedure Delete multiples of p from W,length is integer w; w := p; while pw <= length do w := next(W,w); while w > 1 do w := prev(W,w); Remove pw from W; where prev(W, w) is the previous value in the ordered set W before w. The algorithm can be initialized with W0 instead of W1 at the minor complication of making next(W, 1) a special case when k = 0. This a
Enterprise bus matrix
The enterprise bus matrix is a data warehouse planning tool and model created by Ralph Kimball, and is part of the data warehouse bus architecture. The matrix is the logical definition of one of the core concepts of Kimball's approach to dimensional modeling conformed dimension. The bus matrix defines part of the data warehouse bus architecture and is an output of the business requirements phase in the Kimball lifecycle. It is applied in the following phases of dimensional modeling and development of the data warehouse. The matrix can be categorized as a hybrid model, being part technical design tool, part project management tool and part communication tool == Background == The need for an enterprise bus matrix stems from the way one goes about creating the overall data warehouse environment. Historically there have been two approaches: a structured, centralized and planned approach and a more loosely defined, department specific approach, in which solutions are developed in a more independent matter. Autonomous projects can result in a range of isolated stove pipe data marts. Naturally each approach has its issues; the visionary approach often struggles with long delivery cycles and lack of reaction time as needs emerge and scope issues arise. On the other hand, the development of isolated data marts leads to stovepipe systems that lack synergy in development. Over time this approach will lead to a so-called data-mart-in-a-box architecture where interoperability and lack of cohesion is apparent, and can hinder the realization of an overall enterprise data warehouse. As an attempt to handle this issue, Ralph Kimball introduced the enterprise bus. == Description == The bus matrix purpose is one of high abstraction and visionary planning on the data warehouse architectural level. By dictating coherency in the development and implementation of an overall data warehouse the bus architecture approach enables an overall vision of the broader enterprise integration and consistency while at the same time dividing the problem into more manageable parts – all in a technology and software independent manner. The bus matrix and architecture builds upon the concept of conformed dimensions, creating a structure of common dimensions that ideally can be used across the enterprise by all business processes related to the data warehouse and the corresponding fact tables from which they derive their context. According to Kimball and Margy Ross's article “Differences of Opinion” "The Enterprise Data warehouse built on the bus architecture ”identifies and enforces the relationship between business process metrics (facts) and descriptive attributes (dimensions)”. The concept of a bus is well known in the language of information technology, and is what reflects the conformed dimension concept in the data warehouse, creating the skeletal structure where all parts of a system connect, ensuring interoperability and consistency of data, and at the same time considers future expansion. This makes the conformed dimensions act as the integration ‘glue’, creating a robust backbone of the enterprise Data Warehouse.
Colloquis
Colloquis, previously known as ActiveBuddy and Conversagent, was a company that created conversation-based interactive agents originally distributed via instant messaging platforms. The company had offices in New York, New York, and Sunnyvale, California. == History == Founded in 2000, the company was the brainchild of Robert Hoffer, Timothy Kay, and Peter Levitan. The idea for interactive agents (also known as Internet bots) came from the team's vision to add functionality to increasingly popular instant messaging services. The original implementation took shape as a word-based adventure game but quickly grew to include a wide range of database applications, including access to news, weather, stock information, movie times, Yellow Pages listings, and detailed sports data, as well as a variety of tools (calculators, translator, etc.). These various applications were bundled into one entity and launched as SmarterChild in 2001. SmarterChild acted as a showcase for the quick data access and possibilities for fun conversation that the company planned to turn into customized, niche-specific products. The rapid success of SmarterChild led to targeted promotional products for Radiohead, Austin Powers, The Sporting News, and others. ActiveBuddy sought to strengthen its hold on the interactive agent market for the future by filing for, and receiving, a controversial patent on their creation in 2002. The company also released the BuddyScript SDK, a free developer kit that allow programmers to design and launch their own interactive agents using ActiveBuddy's proprietary scripting language, in 2002. Ultimately, however, the decline in ad spending in 2001 and 2002 led to a shift in corporate strategy towards business focused Automated Service Agents, building products for clients including Cingular, Comcast and Cox Communications. The company subsequently changed its name from ActiveBuddy to Conversagent in 2003, and then again to Colloquis in 2006. Colloquis was purchased by Microsoft in October 2006.
Read–write conflict
In computer science, in the field of databases, read–write conflict, also known as unrepeatable reads, is a computational anomaly associated with interleaved execution of transactions. Specifically, a read–write conflict occurs when a "transaction requests to read an entity for which an unclosed transaction has already made a write request." Given a schedule S S = [ T 1 T 2 R ( A ) R ( A ) W ( A ) C o m . R ( A ) W ( A ) C o m . ] {\displaystyle S={\begin{bmatrix}T1&T2\\R(A)&\\&R(A)\\&W(A)\\&Com.\\R(A)&\\W(A)&\\Com.&\end{bmatrix}}} In this example, T1 has read the original value of A, and is waiting for T2 to finish. T2 also reads the original value of A, overwrites A, and commits. However, when T1 reads from A, it discovers two different versions of A, and T1 would be forced to abort, because T1 would not know what to do. This is an unrepeatable read. This could never occur in a serial schedule, in which each transaction executes in its entirety before another begins. Strict two-phase locking (Strict 2PL) or Serializable Snapshot Isolation (SSI) prevent this conflict. == Real-world example == Alice and Bob are using a website to book tickets for a specific show. Only one ticket is left for the specific show. Alice signs on first to see that only one ticket is left, and finds it expensive. Alice takes time to decide. Bob signs on and also finds one ticket left, and orders it instantly. Bob purchases and logs off. Alice decides to buy a ticket, to find there are no tickets. This is a typical read–write conflict situation.