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TD Visa Cards
A Look at the Two Options, Cash vs Easy Reward Points
There are two rewards cards from TD Bank that are nearly identical—one pays a cash rebate, and the other in points. But, you need to be careful—the points card pays a much lower rebate reward than the cash-back version. Basically, the TD Rewards Visa Cards is for people looking around for a credit card that pays rewards.
The Pros of TD Rewards Visa Credit Cards
There are several advantages for those looking for a bank credit card, including:
- You can earn rewards for everyday expenses.
- You can earn rewards without an annual fee.
- It's easy to meet the sign-up bonus spending requirement.
- You earn double rewards during the first six months.
- There's a low-interest rate (if you qualify).
- There's no annual fee, unlike most cards.
- There is chip technology security.
- You get 24/7 customer service.
- You have zero fraud liability.
- The card has a Fair to Excellent (660+) credit card rating.
Credit Cardholder Rewards
As a cardholder, you receive the following:
- Cash Rewards Card: 2 percent cash back on purchases during the first six months, then 1 percent cash back.
- Easy Rewards Card: 2 points per dollar on purchases in the first six months, then 1 point per dollar.
Annual Percentage Rates
To make the card appealing, TD Bank offers new cardholders 0 percent interest during the first six months. And, once the introductory period is over, the rates are reasonable at 11.24 percent, 16.24 percent, or 21.24 percent, depending on your creditworthiness. Also, there is a late fee of $39. And, if you want to move money from another card, you can do a balance transfer fee, although you'll have to pay TD 3 percent of the entire balance transfer.
A Cautionary Note About the Cash Offering Rewards Points
These seemingly identical cards from TD Bank illustrate one of the problems with credit cards that reward you in points rather than good old-fashioned cash—namely the actual value of the points is often fuzzy. There's usually a reason for that: the points are often not worth as much as the cash.
While the TD Cash Rewards Visa Card pays an even one percent cash-back rebate on your spending (two percent on everyday purchases for the first six months), the TD Easy Rewards Visa Card pays you back in points, one point for every dollar spent. While that may sound the same, it's not. Unfortunately, what the bank doesn't tell you up front is that one point isn't the same as one percent in cash. In fact, it's worth a lot less.
An Example of Redeemable Points
If you visit TD's online points redemption website, you have your choice of merchant gift cards. For example, a $25 gift card at Amazon costs 4,500 points. That works out to a rebate of 0.55 percent, just slightly more than half of one percent. A $50 gift card costs 6,000 points, or 0.83 percent. While that's better, it is still a lot less than one percent. The other gift cards are worth the same, either 0.55 percent or 0.83 percent.
If you're interested in merchandise, the payoff is even worse: A Nintendo Wii game system bundle costs 51,900 points, implying a retail price of $519, assuming a 1 percent rebate. However, you can find a similar system on Amazon for just under $300.
It's always best to take the money. And be careful. When it comes to credit cards that pay points instead of cash, always read the fine print and try to find out exactly how much the points are worth. Often, as in this case, the points aren't worth nearly as much as cash. If the credit card company makes it difficult to find out that information, don't waste your time—opt for the cash or find another card.


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i don't know why it took me so long to try my hand at distressing a piece of furniture using milk paint. most everyone i've come across who live in the world of furniture distressing/refinishing has heard of and used the hugely popular annie sloan chalk paint but milk paint, that red-headed stepchild, not so much; even though it's been around much much longer, like...thousands of years longer. or, maybe, i've just been living under a rock. that said, i finally decided to redo a little antique dresser i recently got a hold of using miss mustard seed's line of milk paint. after much deliberation, i chose the color "dried lavender" and also picked up a jar of her white wax.
here's my piece. from the 1920s and still with the original hardware. score!
i ordered my milk paint online. the directions for mixing or self explanatory. i mixed the entire contents though i could have easily gotten by with just mixing half. if you're a careful painter, you probably don't have to tape off your piece but i did as i tend to get a little over zealous with the brush which, by the way, doesn't have to be fancy but should be decent quality.
be sure to take care of any needed repairs to your piece before you paint such as re-gluing, tightening or filling. like chalk paint, milk paint doesn't require any surface prepping prior to use (which is awesome!) though you might need to do some depending on the look you're going for. oh! disposable piping bags (i got mine from my local cake decorating supply store a while ago) work GREAT for getting wood glue into tiny little spaces!
now you're ready to paint! first coat coverage is pretty decent though two is best, especially if you're going for the "chipped paint" look. and, from what i gathered on the blogoshpere, when you're going for this look: two coats of paint with 24 hours of drying time after the last coat to get the greatest possibility for areas of resisting that will then chip off. the waiting is the hard part but just hang in there. you'll be glad you did.
when i was learning about milk paint, specifically from Miss Mustard Seed's line, i saw that she also offered a white wax that could be used with it to give a particular look, much like the annie sloan dark wax - which i LOVE - can be used to age and define particular parts of a piece. and where the dark wax will deepen (and can completely change) a color when applied, the white wax does much the same, though in reverse. i used it to highlight details of my dresser, especially pushing it into seams and creases and even some areas that i left unfilled with wood filler.
here i used the wax on the feet, covering them completely and giving extra attention to creases before wiping it off. a little side note, if you use a clear wax first, you won't get the color or adhesion of the white wax so keep this in mind when you start waxing your piece.
love love love how it finally turned out and yes, i will definitely use it again. in fact, i have a large trestle table and chairs that i want to tackle next and i already know what colors i want to use. definitely give milk paint a try sometime, especially if you like the "chipped paint" look.

subset: commoncrawl


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I wanted to read a more recently published history for a modern, balanced review of Stalin. So here is Stalin's Cult of Personality: its Origins and Progression (2015) by Julia Kenny. Stalin was born as Josef Vissarionovich Dzhugashvili (1878-1953) in the then-Russian town of Gori, now Georgia. His father was a rough, alcoholic worker who savagely used his fists on young Josef. His mother, soon an impoverished peasant widow, took in washing to feed the children. Worst of all Josef caught smallpox in primary school.
The Georgian married his first wife Ekaterina Svanidze in 1906, but she died of typhus in 1907. [Their one son, Yakov, later died in Sachsenhausen concentration camp in 1943]. In 1919 Stalin married his second wife Nadezhda Alliluyeva who died by suicide from mental illness in 1932. The son and daughter of the second marriage both survived Daddy Stalin.
Poster of Stalin, Lenin and 'Long live the Komsomol generation!'
It was clear that modern Russia already had a history of autocratic rule i.e citizens were used to supporting a strong leader. The 1832 Fundamental Laws made the "Emperor of all the Russias" an absolute monarch. Secured by the Imperial line of succession, the Tsar also became the guardian and defender of the Orthodox Church. Visually the power of the Tsar was reinforced in architecture eg the Kremlin or Winter Palace.
The very intelligent Vladimir Ilyich Ulyanov/Lenin (1870–1924) enjoyed cult-like status, given that he was the legitimate leader of the Revolution and the founder of Marxist-Leninism. This status only intensified after Lenin died in Jan 1924. He was embalmed and placed in a Mausoleum that still stands. Small shrines were placed in factories and villages, designed according to guidelines issued by the party in Feb 1924.
Stalin had climbed up party ranks by working his way into Lenin's inner circle. As Lenin's right-hand man, he had indeed been appointed General Secretary of the Communist party in Apr 1922. Little did Stalin know that, in old age, Lenin had begun compiling a political record that expressed horror of Stalin's vulgarity and violence. Lenin urged that Stalin be removed from his position as General Secretary.
Lev Davidovich Bronstein/Leon Trotsky (1879–1940), Stalin's main political rival, couldn't attend Lenin's funeral in 1924. Stalin wanted to emerge as Lenin's inheritor, so the Georgian pounced. Trotsky was expelled from the Communist Party (1927), exiled to Kazakhstan (1928) and finally exiled from the Soviet Union. As head of the Fourth International, Trotsky could continue to oppose the Stalinist bureaucracy from exile. But on Stalin's orders, he was assassinated in Mexico.
Because of Lenin's views, Stalin had to rewrite his own past. By portraying himself as the embodiment of Marxist-Leninism, Stalin could transfer the admiration and trust that Lenin had enjoyed as a leader figure, and could create his own cult. Stalin upheld the core principles of Marxist-Leninism: a] a centralised government and b] the ideology of a class-struggle on both a domestic and global scale. Stalin seemed in tune with the public sentiment.
Before 1932, most Soviet propaganda posters showed Lenin and Stalin together. Then Stalin propaganda was everywhere, programming citizens to believing that Stalin was working to achieve perfect socialism for the nation. There were Stalin icons in every home; marches and parades involved giant Stalin banners. Cinemas displayed Soviet documentaries, and Stalinist posters were common. His propaganda served well in masking Stalin's darker side.
If Stalin had a brutal reputation, why did citizens trust his leadership? Citizens did NOT know that during the Great Terror of 1936-8, Stalin ordered hundreds of thousands of executions. As in the French Revolution, Russians were under constant threat of being monitored by the secret police NKVD and arrested. Stalin also had the power to have party officials arrested and replaced. And many people were interned in prisons. And the cruel famines in Ukraine were certainly Stalin-controlled.
Mainly they trusted Stalin because his regime generated success! Russian children were learning at good schools, and quality science education was actively promoted. Families were guaranteed top quality health care. Industrial development was rapid, unemployment was rare, and cultural and art facilities were well supported. How ironic that while the capitalist world was experiencing the Great Depression and grinding working-class poverty, Russia emerged as the second biggest modern industrial nation.
Stalin consolidated his power even more after WW2, with some very fine moments. He recognised that victory over the Nazis had been won by the tragic loss of 27 million Russian lives (and other Allies). And Stalin also played a vital role in the creation of the Jewish state in Israel. At the UN he had his Ambassador Andrei Gromyko give an fervent speech in 1947 on the catastrophe suffered by Europe's Jews and their need to have a safe haven. Stalin had also organised the Eastern European Communist states to vote unanimously for the creation of Israel.
Even now it is difficult to know how genuinely popular Stalin was in his own country, because everyone who didn't agree with him became an Enemy of the People. Thus he remained leader of the Soviet Union until his 1953 death.
At the 1956 Party Congress the next party leader, Nikita Khrushchev, denounced Josef Stalin in a long speech and demolished his predecessor's reputation. He proved that Stalin intended to use the Doctors' Trial to launch a massive party purge. Under Khrushchev, Soviet prosecutors further investigated the brutality of Stalin's later years.
I also recommend Simon Montefiore's book Stalin: The Court of the Red Tsar (2012) .


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Green Lodging News, a Hasek Communications L.L.C. publication, is the lodging industry's leading environmental news source. Glenn Hasek is the publisher and editor. Created in 2006, Green Lodging News consists of the Green Lodging News website, weekly Monday e-newsletter and weekly Wednesday Green Supplier Spotlight e-blast that focuses on one supplier. The website currently attracts from 28,000 to 32,000 unique visitors, 170,000+ total visits, and 500,000+ page views each month. The newsletter and Spotlight reach more than 5,000 opt-in subscribers. To subscribe to the newsletter and Green Supplier Spotlight, click on one of the "Subscribe" links on the Green Lodging News home page, or e-mail firstname.lastname@example.com to be added to the circulation list. To advertise, you may also contact email@example.com or click here for more information.
Glenn Hasek has more than 22 years of lodging industry experience—as a journalist, public relations consultant and publisher. He got his start in 1989 with what was then Hotel & Motel Management magazine. He worked there until 1996 and again with the publication from 2000 to 2001. Glenn Hasek has spoken and moderated at many industry events and has received numerous awards for his work.


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Tuesday, April 13, 2010
Citation Count for Antitrust Professors Who Began Tenure Track Teaching in 2000 or Later
Posted by D. Daniel Sokol
I use [first name] /2 [last name] and AFT(1999) as my search term in the JLR data base for US law professors (except in the case of Thom Lambert because where I went with the full name and middle initial because there is a Thomas A. Lambert, Thomas C. Lambert and Thomas F. Lambert). Note that where people write in more than one field with regularity, I note it. I included people who write at least 30 percent in antitrust. I do not distinguish when people began their career but people who started teaching around 2000 have a head start against those of us who started towards the end of the decade. Of course, a JLR search privileges those who write primarily in US law reviews and primarily on US antitrust. I include some non-US scholars who have had a number of US law review placements. I also include Geoff Manne, who left tenure track but is still a lecturer and still active in scholarship.
Update 10/14/10. Because Chris Sagers began his career as Chris Sagers and now authors his work as Christopher Sagers, I have revised the list to accommodate both.
Name (School) Citations (Other field of significant scholarship)
- Phil Weiser (Colorado) 500 (Telecom)
- Dan Crane (Michigan) 301
- Damien Geradin (Tilburg, Michigan) 284
- Chris Sprigman (Virginia) 195 (Intellectual Property)
- Barak Richman (Duke) 160 (Health Care)
- Darren Bush (Houston) 148
- Scott Hemphill (Columbia) 116 (Intellectual Property)
- Salil Mehra (Temple) 109 (Asian Law)
- Josh Wright (George Mason) 97
- Daniel Sokol (Florida) 95
- Andrew Chin (Carolina) 94 (Intellectual Property)
- Geoff Manne (Lewis & Clark) 85
- Thom Lambert (Missouri) 79
- Avishalom Tor (Haifa) 75 (Behavioral L&E)
- Maurice Stucke (Tennessee) 73
- Marc Edelman (Barry) 61 (Sports Law)
- Barak Orbach (Arizona) 59 (Regulation)
- Christopher Sagers (Cleveland State) 58
- Hillary Greene (UConn) 57
- Michal Gal (Haifa) 54
- Ariel Katz (Toronto) 51 (Intellectual Property)
- Robin Cooper Feldman (Hastings) 42 (Health Care)
- Mark Bauer (Stetson) 38
- Max Huffman (IU - Indianapolis) 23
- Wentong Zheng (Bufallo) 17
- Gabe Feldman (Tulane) 16 (Sports Law)


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Silk sarees have always been in fashion since the evergreen days. They gained more attention when the yesteryear glam queen Rekha started the trend of wearing silk sarees and who doesn't love her fashion sense? We have always seen her flaunting gracefully in different & latest silk sarees since our childhood. Her desi style has inspired many Bollywood divas, that some actresses even recreated the look, by adding icing on the cake. Many famous actresses like Deepika Padukone, Vidya Balan, Aishwarya Rai, Sridevi, Priyanka Chopra, Kangna Ranaut and Shilpa Shetty have revived the fashion, making it more versatile to wear for any events. Not only in South India, but Silk sarees have also become extremely famous all over India. We are so bewitched by silk sarees because of their richness in fabric, which gives it an appealing texture. As we all know wedding season is getting quite close and we know the struggle is real for finding the best ethnic or traditional wear. And women always give top priority to sarees when it comes to the wedding.
We have all embraced Online Shopping culture warmly, and when the wedding season arrives, we start hunting for new trends and styles in Ethnic/Traditional wears on various online shops endlessly. Online media has proved itself as quite useful when it comes to shopping for latest silk sarees in different varieties. Here are some latest silk sarees to check out this wedding season!
Half and Half saree
If you want to go for a glamorous look, then check out the half and half sarees, they are best to slay this wedding season. Women completely love to go for color combinations, which makes them look more alluring and beautiful. You can take a notch higher by wearing some jewelry while attending a wedding. It can be perfect attire for the bride too for the reception. So, girls, it's your time to go and deck out with your half and half look with silk sarees!
Heavy work saree
Heavy work sarees look is on fleek and totally killing it right now. You can wear minimal jewelry because this apparel is enough to nail the event. It is suitable for any complexion, so no need to worry if you have darker skin tone. You can also wear these sarees for parties and functions. So go own this wedding season with heavy work silk sarees!
Lehenga saree
This attire is the combination of Silk Saree and Lehenga, which is adding more power to it. It can suit both the slim size and plus size women flawlessly. You can wear it for a huge wedding event giving it a royal feel. Brides can wear it too during their wedding day or on reception event with matching jewelry, which completes the wedding look. Get ready to take everyone's breath away this wedding season with lehenga sarees!
These latest silk sarees are easily available in an Online Shopping store- Myntra. You can pick your own choice and combinations with different patterns and designs on discounts. There are more than one categories, variety, brands, colors, and designs to wear for any events, and they are available at reasonable prices too!
*Images are taken from Google Images & Myntra*
For DIYs
Note: Please don't make any DIY in huge quantity. For any DIY try to finish it within 10 to 15 days.


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A new behind-the-scenes featurette has been released for Rush, which is currently in post-production and will race into theaters next year. Stars Chris Hemsworth, Daniel Brühl, and director Ron Howard discuss this Formula 1 racing drama about the rivalry between Niki Lauda (Daniel Brühl) and James Hunt (Chris Hemsworth). Take a look at the video, which also features footage from racing scenes taken on the set.
Rush Lauda Versus Hunt Featurette
- —
- in Movie News


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Hello, hello, hello! How the devil are you? How are things going? Long time no speak…. Ahh yes, I have been utterly useless at keeping on top of blog writing lately, everything seems to be getting on top of me and as blogging is just a little side line hobby for me it seems to be amongst the first things that gets forgotten about in the chaos of everyday life. I can only apologise and say, "Sorry guys, I've been a bit crap at acing life lately", not that I ever "ace life" (god that's such a cliche, why the hell did I use it…) I tend to just amble along and hope everything turns out ok… but I'm going off track here….
Continue reading "Hey you! Long time, no see…"


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Industrial networks must contend with harsh physical and environmental conditions not found in office and other enterprise applications. From real-time sensors on the factory floor to office monitoring and control, a properly designed network must deliver productivity, efficiency, and reliability – day after day. OCC's fiber optic cables and connectivity components withstand the harshest environments, allowing systems to continue to run and data to transfer where other systems can fail. Ultimately, OCC makes your company safer and more productive – both inside or outside the plant environment.
OCC's experience engineering and manufacturing fiber optic cables, connectors and enclosures designed for the harshest of environments, including military tactical deployment, means our products deliver exceptional performance in the industrial environment. We work with customers that have specific industrial needs to offer solutions that provide the best mechanical, industrial, chemical and environmental performance.
Industrial Ethernet Growth
Thriving in Tough Environments
Industrial Networks must contend with environmental conditions not found in the office areas.
With over 25 years experience supplying military tactical and tight-buffered indoor/outdoor fiber optic cables, Optical Cable Corporation understands the requirements for tight-buffered fiber optic cables to be able to withstand the most severe conditions found in industrial areas.
- Chemical Exposure
- Crush
- Dust/Debris
- Electrical Fast Transients (EFT)
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- Electrostatic Discharge (ESD)
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- Physical Abuse
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- UV Exposure
- Vibration
Unlike conventional cable jackets, the special Core-Locked™ jacket featured on many of our fiber optic cables, is extruded under high pressure directly over the cable's core, resulting in the internal surface of the cable jacket having helical cusped ridges that interlock with the subcables. Wire mesh grips can be used directly over the jacket because the cable core cannot slip and move axially within the cable jacket during installation. This eliminates jacket damage that may occur with other cables. The Core-Locked™ jacket contains 25% more material than conventional jackets. This helps keep the cable cross-section circular for better crush and impact protection and improved tear resistance during installation. A ripcord is included for easy outer jacket removal.
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Built Factory Tough
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Optical Cable Corporation's B-Series Breakout Cables provide the ultimate cable toughness at considerable savings. See pages IC 12 and IC 15 for complete details.
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Special metal jackets protect fiber optic cables against mechanical and environmental damage (i.e. cut-through, dirt, etc.). Fluoropolymer jacketed plenum Interlocked armor available — offers excellent chemical resistance.
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Our Ultra-Fox™ cable features 100 kpsi proof-tested fiber, a primary coating of UV-cured acrylate material to a diameter of 250 μm, and a secondary buffer to 900 μm. The composite primary coating and secondary buffer may be mechanically removed to the 125 μm glass diameter in one step. This is typically done for direct termination with connectors. The versatile buffer system permits mechanical stripping in short lengths (about 1 cm) to remove the secondary buffer and leave the 250 μm primary coating intact. This 250 μm buffered fiber is, therefore, available for splicing to similar buffered fibers from loose-tube cables. The 250 μm coating may then be further mechanically stripped to the 125 μm glass diameter.
Ultra-Fox™ Plus
Our Ultra-Fox™ Plus cables feature 100 kpsi proof-tested fiber, a primary buffer of UV-cured acrylate material to a diameter of 500 μm and a secondary hard elastomeric buffer to 900 μm diameter. This provides the ultimate environmental and mechanical protection and is identical to the buffering on our military tactical cables. This buffering system can be easily mechanically stripped directly to the glass for termination with connectors or for splicing.
Fiber Optic Applications for Industrial Systems
- Industrial Ethernet factory automation using fiber
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- Flame retardant Zero Halogen cables available
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- Det Norske Veritas (DNV) certified and American Bureau of Shipping (ABS) approved cables available
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Typical Industries Served
The extensive tactical use of fiber optic cables in the military has provided the technological and economical platform for practical deployment in many other industries.
Outer Cable Jacket Materials for Tight-Buffered Cables
Click here to learn more about Outer Cable Jacket Materials for Tight-Buffered Cables.


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No doubt that the Temple of Queen Hatshepsut at Dayr Al- Bahari in Luxor is the most famous of Egyptian temples, especially after the discovery of the temple of X 1th dynasty beside it .
All the credit of the design of this temple ought to go the architect of the X 1th dynasty and not to Senmut. The soul idea which Senmutadopted from the X 1th dynasty building was that of a terrace.
The name of Dier el Bahari which is applied to the site means "the northern monastery" which is not referring to anything ancient but to the Christian monastery which was actually erected on top of the site of the temple dating to about the seventh century AD.
However the ancient name of the site was "Zosret" or the "Holy" and when Queen Hatshepsut erected her temple beside the X 1th dynasty construction it was called "Zosret Zosru" or the Holy of the Holies and the two temples together were called "Zosreti" or the "Two hollies ".
The reason of building the temple, When Hatshepsut decided to build this temple, she had more than one reason in mind.
- She wanted it to be the "paradise of Amon" which was dedicated to him but like other temples in Egypt it has a collection of other gods as well so there was a chapel for "Anubis" and for "Hathor".
- It was intended to serve as a mortuary temple for the founder and her family. Indeed, she first intended to have her tomb which is in the Valley of the Kings, underneath the site of this great temple, but after they started to cut her tomb through the cliffs they found that the rock turned to be bad, so they cancelled the whole idea.
- The third most important reason for building this temple, is that Hatshepsut wanted to emphasis her legitimate right in claiming the throne by creating that theory of her divine birth, and choosing of coarse the patron-god of Thebes and the growing empire "Amon Ra" to be her father.
This very same idea was repeated later on by Amenhotep III in his reliefs in the Temple of Luxor.
Destruction caused to the temple
This temple suffered more than one cause of destruction.
- First the family troubles which existed between Hatshepsut and Thutmose III.
The temple is certainly belonging to Hatshepsut but the name of her father Thutmose I is found there, together with brother and husband's name ThutmoseII also exists there. However, the name of her nephew Thutmose III also exists here Son of Thutmose II from a concubine of non-royal blood called Isis and at the same time she was her aunt "father's sister" and step mother as well than he married her daughter Nefru-re or Hatshepsut II. So, she also became his mother in law. After her death he took revenge from her, so he erased all her names and figures from her temple here as well as other places because of the suffering which he was subjected to during her life.
- Secondly at the time of Akhenaton, the king's followers were trying to destroy all scenes and names of the god Amon from Thebes. But Ramses II tried to restore all destruction caused but obviously, it was not of the same perfect standard of art of Hatshepsut.
Temple of Queen Hatshepsut - Description
The lower court
The temple was lead to originally by a Sphinx Avenue which started from the valley to the entrance which is now destroyed. In front of the entrance there were originally two Persea trees, these were sacred trees in the Egyptian mythology as in the story of Anubis and Bata.
Passing through the entrance, we will find ourselves in the open court which had at the old days some date palms, papyrus plants and probably some of those products brought from Punt.
At the end of this open court (west) we could see two colonnade courts supported by two rows of columns, the front rows are in the form of squared columns, these two colonnade courts are higher than the ground level by a Mastaba shape block of stones.
The northern court is in an extremely bad state of preservation except at its extreme northern angle there are remains of hunting scenes.
The southern colonnaded court is in a bit better state of reservation. It is having some remains of the scene of the transportation of the two Obelisks of Hatshepsut from Aswan to Karnak.
The obelisks are placed base to base on the deck of a great barge which is towed by boats. At the middle of the line Thutmose III is dancing before Amon min. These scenes if it remained it would have been a fine piece of the ancient art, but it was destroyed.
The central court
The central colonnade court is led by a ramp in between both lower colonnaded courts, then we would see another ramp separating this colonnaded court to two sections and that ramp is leading to the upper court.
The north colonnaded court-Chapel of Anubis
This chapel is guarded by twelve squared columns. The walls of the chapel of Anubis are characteristic for the beautifully painted scenes.
On the western wall (face to the left), there is a scene representing the god Ra seated on his throne having a large table of offerings offered to him from the queen erased as usual by Thutmose III. Then we would find the door way of the shrine of Anubis. The northern wall, on top there is a scene of Thutmose III offerings wine to the god "Sokar" one of the gods of the dead.
The southern wall of this chapel is representing another scene of Hatshepsut between Hamachis and Nekhbet with another scene of the Hawk over the queen.
The interior wall of the inner shrine of Anubis is representing the figure of Hatshepsut erased again between Anubis and Hathor protected from the top by full figure of Anubis and crowned by the winged sun disk.
The birth colonnade of Queen Hatshepsut, the scenes here are representing the fiction story of Hatshepsut being the divine child of the god Amon from queen Ahmos the wife of ThutmoseI, the scenes have suffered a lot.
The scenes in this colonnade court start from the southern end, just under the ramp leading to the upper court. It starts by a scene of the council of the gods in the presence of Amon. Thoth is seen leading Amon to the chamber of queen Ahmos (both figures of gods nearly erased) who is seated face to face with Amon being impregnated with the key of life (Ankh) offered to her nose inhaling the divine breath of life.
The seats which are used by the god and the queen are carried up in heaven exactly like the scene of Amonhotep III in the temple of Luxor representing two goddesses seated upon a lion-head couch. Then the god khnum is shown getting instruction from Amon {partly erased} to shape Hatshepsut and her ka on his potter's wheel. While the frog headed goddess haqtputs the breath of life in the nostrils of the newly born baby. Then Thoth is shown announcing that she is soon going to deliver. Then Thoth and haqt are leading the queen to the birth chamber.
The scene now is concluded by the queen being seated on a chair with her woman attending on her. Hathor is then shown presenting Hatshepsut to Amon. Then next Thoth and Amon are supposed to be holding the child and its ka {erased} then the final scenes of the colonnade are representing the queen with different gods.
The southern colonnade-The Punt expedition
By moving the southern end of the colonnade what was called the Punt colonnade."No doubt that it is the most interesting series of reliefs in Egypt" represented the voyage to the land of punt and how they portrayed that strange foreign land itself in details. Which is not existing in any other Egyptian documents. These document the only source of information about this foreign land of Punt. It seems that the land of Punt is that which lies on the southern end of the Red Sea which is the Somalise coast, it was called "the land of gods or the Holy land".
The reliefs begin (left) scene is showing the ships of the Egyptian showing the ships of the Egyptian expedition heading to Punt and just about to arrive there. Facing all of them is the chief of the Punt village called "Barihu" raising his hands either to welcome them and behind him stands his wife called "Aty" and she is very noticeable because of her huge baby as well as a scene of a donkey who was supposed to carry that huge wife of the chief of punt. These two scenes were robbed earlier on, and then they were retained back to the Egyptian Museum, and exchanged by replicas on the walls of the temple.
The two row scenes are representing incense trees carried in small baskets full of mud by the Egyptian sailors representing the sea.
The rest of the scenes on the western wall are representing Hatshepsut {erased} showing Amon all the offerings which were brought with her expedition.


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Are you ready for Halloween? I am not, but I need to get that way! We do it up pretty big down here in the South from games, to haunted trails, to awesome costumes, and spooky decorations! Down here, Halloween kicks off the week before with a pretty cool party.
It goes without saying that there should be treats at any Halloween party, but what really makes it a special (and scary) occasion are the decorations.
Go all out creating a Haunted House complete with unexpected surprises. Spooky games will help to set the ghoulish mood.
To play "Mummy Wrap," all you need is a roll of toilet paper. The kids will have a blast wrapping each other up. Or else you can try bobbing for apples or play "Pin the Ghost on the Haunted House."
You might even have the kids decorate their own Halloween cookies or design custom trick-or-treat bags. Of course, you can carve pumpkins into scary or silly faces. Or else let the kids use magic markers, glitter glue and feathers to decorate them.
Don't forget about a contest for best costume or a Halloween parade.
We hope these ideas will help inspire you to throw a spooky and fun Halloween party this year.
- 1 plain bagel 3-1/2 inch, cut horizontally in half
- 2 Tbsp. pizza sauce
- 2 sticks KRAFT STRING-UMS String Cheese
- 4 slices black olives
HEAT oven to 400ºF.
SPREAD bagel halves with sauce. Pull cheese into thin strips; place in random criss-cross fashion on tops of bagels to resemble mummy bandages. Trim ends with kitchen shears. Add olives for the eyes.
PLACE on baking sheet.
BAKE 10 min. or until bagels are crisp and cheese is melted.
More Halloween Party Ideas:
Try out these 13 Pinterest-Worthy Halloween Recipes
Make sure you Decorate Your Home for the party!
You can always play one of these Kid Friendly Halloween Movies


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Merchants, payments and the open banking ecosystem
A major focus for the entire merchant payments ecosystem in the coming year, will be the new threats, opportunities and players in the emerging open banking world. Starting with the U.K.'s move to open banking in January (the implementation of the Competition and Market Authority's "remedies", or the "CM9") and moving ahead with PSD2 across Europe, the ability for trusted organisations to access consumer bank accounts to not only obtain transaction information but also to instruct payments, will inevitably change the landscape.
There are new opportunities for acquirers to become broad-spectrum merchant service providers (MSPs) to facilitate interaction between the open banking infrastructure and the merchant community. This very appealing vision of the future (for merchants) will draw them towards a once in a generation change at point of sale. Merchants can easily afford to incentivise customers to switch to account-to-account "instant payments" and at the same time offer considerable customisation based on customer account data.
Merchants definitely need some help, and it's not all about payments. A recent Consult Hyperion survey found that more than 90% of merchants want to use PSD2 to reduce card fees, three-quarters of them also want to use it to reduce the impact of fraud and data breaches. An Accenture survey last year also found that half of the retailers they surveyed want to use customers' bank account data to provide special offers and customised services at POS.
Apart from anything else, we expect to see a resurgence of interest in the "decoupled debit" proposition whereby platform-provided strong authentication to retailer apps will allow them to bypass the existing card infrastructure (with some projections indicating that a third of European card volume could disappear in the coming years) and perhaps even the physical POS itself. It's easy to imagine self-scanning around the supermarket and hanging up the scanner at the end, to see the store app popping up on the customer phone with the total, prompting touch ID to confirm, and the merchant instructing an instant payment from customer account to merchant account.
As a customer, the instant payment proposition seems just as familiar as a debit proposition: customer walks out of the merchant and the money walks out of the customers account. The fact that it never goes near the existing rails isn't something a customer knows nor cares about. This, as is often pointed out (by me), is a great opportunity for new players (eg, Google, Apple, Facebook and so on) to join the ecosystem. These are players with a business model built on data, not merchant service charges, and thus the business models in the ecosystem will reorient. This was one of the key themes picked up at last year's Merchant Payment Ecosystem conference in Berlin, and I wrote at the time that my impression was that some of the big plays coming would be big data, analytics and machine learning.
Having said that the existing rails may be bypassed, open banking also provides an opportunity for the schemes to reinvent themselves and their propositions. (As we think that the UK is about to become an interesting, exciting and unpredictable laboratory experiment in open banking, it seems to us that Mastercard's work with VocaLink should be a focus of industry attention in this regard.) After all, a payment scheme isn't just a data switch that connects consumers, banks, merchants and retailers. If it was, there wouldn't be any. Rates, rules and rights are fields in which Visa, Mastercard, Amex, Discover et al have decades of experience to leverage through both their existing relationships and the new ones that will arise.
The retailers themselves, especially the millions of small retailers, will also benefit from this transition because a variety of new products and services will spring up to help them to manage their bank accounts, funding requirements and general financial services needs. I'm no expert on small business financing but the ability to see the details of a retailer's bank account will surely lead to new opportunities for specialist financial services providers.
All things considered, 2018 is going to be a pretty interesting year and we are very much looking forward to learning about the new possibilities at Merchant Payment Ecosystem 2018 in Berlin. If you want to meet me or our Principal Consultant in the POS field, Gary Munro, at the the event then just drop us a note and we'll see you there.


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6pm | Westway (9 a side)
When and Where
Tuesday, March 31, 2015
ONLINE £6.00 /per person
Venue: Westway Sports Centre . Pitch No6A (half 11 a-side pitch)
- 3G artificial grass surface
- Changing rooms & Showers available
- Closest tube station is Latimer Road on Hammersmith & City Line
- You can wear boots, No metal studs
Game Play Rules
- Goalkeepers: everybody is playing goalie. We rotate on goal every 6-7 minutes
- You cannot score in the area
- Any kind of aggressive behavior will NOT be tolerated
- Make sure you are in a mood to have fun & on time
Pay via Credit/Debit card or PayPal account in order to secure your spot in the game.
If for any reason you cannot make it to the game you need to modify your RSVP as soon as possible, in order to free your spot. In case you are in the attendance list and you do no turn up for the game, you will be marked as a No-Show.
Please bring both a light and dark top with you to help splitting the teams at the pitch.
1 Review
Light Tees (9/9)


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What to think of a magazine that feels it necessary to defend Phil Robertson but not Pat Buchanan?
@dalerooster@Gaelic_Norseman Build a time machine and drop Buckley's CIA ass down the Mariana Trench.
— Wesley Morganston (@nydwracu) September 4, 2014
That first tweet strikes me as probably correct, but it's worth breaking down a bit.
In his defense, the CIA had great taste in journalism back in the day. Read this piece by Carl Bernstein if you doubt it:
Among the executives who lent their cooperation to the Agency were Williarn Paley of the Columbia Broadcasting System, Henry Luce of Tirne Inc., Arthur Hays Sulzberger of the New York Times, Barry Bingham Sr. of the LouisviIle Courier‑Journal, and James Copley of the Copley News Service. Other organizations which cooperated with the CIA include the American Broadcasting Company, the National Broadcasting Company, the Associated Press, United Press International, Reuters, Hearst Newspapers, Scripps‑Howard, Newsweek magazine, the Mutual Broadcasting System, the Miami Herald and the oldSaturday Evening Post and New York Herald‑Tribune.
By far the most valuable of these associations, according to CIA officials, have been with the New York Times, CBS and Time Inc.
The CIA's use of the American news media has been much more extensive than Agency officials have acknowledged publicly or in closed sessions with members of Congress. The general outlines of what happened are indisputable; the specifics are harder to come by. CIA sources hint that a particular journalist was trafficking all over Eastern Europe for the Agency; the journalist says no, he just had lunch with the station chief. CIA sources say flatly that a well‑known ABC correspondent worked for the Agency through 1973; they refuse to identify him. A high‑level CIA official with a prodigious memory says that the New York Times provided cover for about ten CIA operatives between 1950 and 1966; he does not know who they were, or who in the newspaper's management made the arrangements.
On the one hand, I suppose working with the CIA is better than, say, Claud Cockburn's counter-espionage work in Spain on behalf of the Soviets. On the other hand, when a news media that lathers up the American people into scares about domestic extremism leads to a situation like Ruby Ridge, there is no functional difference, right down to the execution. The SPLC is a kind of counter-espionage organ, in other words.
(Ask yourself, if the CIA were to get involved in journalism today, which publications do you think it would be working with? Maybe one with unusually good access to foreign, often dangerous locations, posturing as subversive while actually helping to solidify American cultural imperialism? Fits the profile…)
Anyway, having seen the operation of the Buckley cult in beltway conservatism, it seems like he is largely an avatar of baby's-first-intellectual-rightism. Those who know better usually caveat their praise with something like "but he cared about music too, not just politics!", with enough implied exoticism to suggest that he hadn't met a cultured soul since leaving Vanderbilt or Dartmouth or wherever he got his gingham ties and boat shoes.
Look, I like Buckley fine. Or at least, like most people, I like the idea of liking Buckley. His writing doesn't deserve the notoriety of, say, Florence King — a high bar that may be — but Firing Line was a good show and he deserves credit as a figurehead or whatever. And yet, all I've read of his various cultural tastes suggests they were rather bland. And as for the politics, Buckley admiration seems to be a somewhat defensive way of hiding the fact that the conservative movement he founded has failed to conserve much. Even Reagan, the crowning success of the movement he built, accelerated the pace by which profligacy, dependence, and endless war are overtaking us.
Once that fact is realized, it's a short step to concluding that his methods — which it has been alleged were more focused on appearing respectable to enemies; exiling the Birchers, then fellow Irish Catholic Pat Buchanan, then his protege Joe Sobran, then replacing his chosen successor in a decision sometimes rumored to be about ensuring his reputation wouldn't be overshadowed, but in any case the way Brookhiser tells it, sounds strange — were all wrong. Every political movement polices itself, but some of these cases are dubious, and in the Bircher case, it was a serious enough matter that Willmoore Kendall once characterized the feud as a war. And I suppose I would trust Buckley more if he didn't admit to being an adherent of the sort of Yankee conservatism that exists, as Dabney put it of the Northern opponents of women's suffrage, to keep progressivism from "becoming pursy and lazy, from having nothing to whip." Buckley had a sense of it in this piece in Commonweal in 1952, which is often quoted but rarely in full:
He understood the temptation, but eventually let all this happen to his movement. The trouble is, to the conservatives that won, there is never any end to security threats that justify accepting big government for the duration. The parallels to today are obvious; today's right-wing hawks are at pains to reconstruct a new Cold War with Russia, or elevate counter-terrorism to the same level.
Regardless of your feelings about that, Nixon's silent majority doesn't really exist anymore (which should be the real lesson of our "libertarian moment") so not only does the role of gatekeeper of national conservatism (or conservative HUMINT) cease to be productive, even the various cultural commitments Buckley held no longer have the sort of foundational resonance they once did. He loved Bach, probably the most foundational Western composer, and played the harpsichord. One can only run on cultural fumes for so long, especially if you are committed to winning elections and have image consultants to answer to.
This is all very contentious territory, so I'd better leave it there, but not before suggesting that there are those who would see this as Atlantean treachery. And that as far as speaking ill of the dead goes, he didn't spare Murray Rothbard.
(If you're reading this and thinking, 'I wouldn't trade my Bach recordings for a goddamn vote! Glenn Gould or death!' congratulations, you've passed into the Outside.)
All of this raises the question of who and what to replace him with. I know I'm not the only one to think it would be poetic to replace a former CIA agent with the last conservative politician who was serious about cleaning out the depraved Augean stables of the sovereign civil service; Joe McCarthy, another Irishman. That guy didn't care what the New York Times thought of him. As for Buckley's affectations, surely the patrician optimism has to go, and de Maistre might be able to help us out with a patch:
So if the phrase 'national representation is understood to mean a certain number of representatives set by certain men taken from certain cities and boroughs by virtue of an old concession by the sovereign, there is no dispute — such a government exists, and it is that of England. But if the phrase is understood to mean that all the people are represented, that they may be represented only by virtue of a mandate, and that every citizen, with some physically and morally inevitable exceptions, is able to give or receive these mandates, and if there is also a claim to join to such an order of thing the abolition of all hereditary distinctions and offices, this representation is a thing that has never been seen and that will never succeed.
America is often cited. I know of nothing so provoking as the praises bestowed on this babe-in-arms. Let it grow.
But to make this discussion as clear as possible, we must note that the instigators of the French Republic are bound to prove not only that perfected representation (so styled by the innovators) is possible and good, but also that the people can by this means retain their sovereignty (again, so they say) and form, in their totality, a republic. This is the crux of the question, for if the republic is the capital and the rest of France is subject to the republic, the republic is not accountable to the sovereign people.


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Unique Conferences Canada and International Center for Research and Development are wish to announce that the Second Asia-Pacific Conference on Multidisciplinary Research 2017 which will be held on 29 – 30 July 2017 at the Renuka City Hotel, Colombo, Sri Lanka. You are invited to join this important event as a presenter or a listener.
APMR2017 is a 2 Day interactive international forum which creates an opportunity for academics, practitioners and PhD students to come together, review their research findings, exchange ideas and discuss emerging issues in Multidisciplinary research.
All accepted abstracts will be published in the conference abstract book with a Canadian ISBN 978-0-9951985-9-x-x. The full papers will be accepted through a double blind reviewed process and will be published online and forwarded a copy to Canadian Archives for future preservation.The proceedings will be submitted to be indexed in the Thomson Reuters, SCOPUS, Google Scholar for possible Indexing.
You are invited to submit an abstract to this important conference and join APMR2017 in Sri Lanka
The Advantageous of attending APMR2017
• Global audience representing all 5 continents
• World class Keynote speakers
• Great networking opportunities
• Meet your international research collaborator
• Sri Lanka Discovery one day study tour with lunch (free of charge)
• Conference networking dinner
• Certificate by a Canadian organisation
• Publication of your paper with Canadian ISBN number (online)
Further, you will be able to share your experience with other experts and will learn the current trends in a truly international atmosphere because presenters from more than 50 different countries are expected to attend this premier global research conference.
Abstract submission: email@example.com
Paper submission: email@example.com
Conference web site: http://theresearchjournals.com
Early bird registration deadline: 30 March 2017


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Meet our Senior Team
- Highly commercial Capital Markets COO specialising in aligning, motivating and driving Investment and Commercial Banking organisations to deliver change and meet their strategic objectives
- Expertise in translating business strategy into target operating model, business case and roadmap
- Proven track record of delivering large and complex front to back Business and Technology transformation initiatives for leading sell-side institutions in capital markets and transaction banking
- Strong product, technical and regulatory expertise
- MBA – London Business School
- BA Economics & International Finance
- Chartered Accountant
Key Competencies
- Strategy development
- Business transformation leadership/programme directorship
- Strategic Business Operating Model/Client Service Model
- Operations risk expertise
- Trading and risk technology
- Outsourcing
- Capital Markets Front Office COO with 15+ years practitioner experience gained from working within leading Investment Banking organisations
- Proven track record in leading strategic business transformations and Programme Management of large scale, complex front to back change
- Formulation of sophisticated Target Operating Models and installation of effective governance frameworks designed to deliver change
- MSc. Business Finance & Econometrics – Brunel University, London
- BSc. Business Economics – Brunel University
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- Business plan, Target Operating Model and governance expertise
- Senior stakeholder management, communication and MI
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- Broad product knowledge across equities, options, futures, swaps, etc derivatives
- Senior Capital Markets advisor with a proven track record of defining technology-driven business transformation initiatives for leading financial institutions. 20 years in consultancy
- Deep understanding of how the end-to-end technology stack works, and how it enables various business models
- Business consultant and architect, combining also effective delivery skills – gets things done
- MSc. Econ – Helsinki School of Economics and Business Administration
Key Competencies
- IT strategy and its implementation
- Enterprise, solution and technical architectures, requirements management
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- Data governance, quality and lineage (response to BCBS 239)
- Business transformation/programme and project management
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- Vendor selection, management and outsourcing
- Senior banking practitioner with proven track record in delivering large organisation change in complex and political environments
- Significant experience in designing and implementing new business and IT driven organisation models
- Passionate about executing change by motivating people to use their experience and knowledge to continuous improve and innovate without compromising on efficiency, effectiveness, quality and client satisfaction
Key Competencies
- Design and implement greenfield (new) business/banking models
- Execute organisation change by a Business process Transformation (eg product focus to client focus organisation)
- Bring Business & IT together through WFM and portal solutions
- Improve client experience (online) innovative solutions
- Improve Operational Excellence in both operations and client side of the business
Mark has worked in the structured products industry for over 20 years delivering solutions and managing platforms for the issuance of complex and flow products. Mark is an experienced leader of Derivatives and Structured Products teams at a number of leading investment banks and has operated across London, New York, Hong Kong, Frankfurt and Zurich.
- Senior Financial Markets professional specialising in defining and driving Investment Banking organisations to deliver change and meet their tactical and strategic challenges
- Significant experience in project management and business analysis translating business challenges into practical requirements and drive solutions and delivery working as part of the organisation rather than alongside it
- Proven track record of global delivery of large and complex front to back business and technology transformations, cross-asset products and regulatory expertise
- BSc. (Hons) Computer Science – University of Westminster, London
Key Competencies
- Business transformation programme and project management
- Senior stakeholder and team management across the business and IT
- Regulatory expertise and compliance/business/IT impact analysis
- Cash equities, Derivatives and Prime Broking and exposure to all asset classes
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- Compliance and Middle Office and front to back interfaces
- Senior technology practitioner with 20 years experience as CTO, solutions architect and programme manager responsible for delivering large scale programs in complex organisations across Defence, Investment Banking, Retail Banking, Insurance and Governments.
- Extensive experience in the Payments domain as both a CTO at leading Vendors (Dovetail, Concise) and as a Senior Consultant at a number of payment infrastructure institutions
- Effective at working with both the business and technology organisations to define and deliver their enterprise strategy, business solutions and improvements across payments, fraud, financial crime, regulations, security, business intelligence.
- B. Multidisciplinary Science (Computer Science) – Curtin University of Technology, Perth Western Australia
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- Banking operations executive with over 25 years of international experience
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- Enterprise Risk Management
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Earl is a people orientated business leader & senior banking practitioner with over 15 years' experience gained within leading international banks. He has strong operational, outsourcing and risk experience having played a pivotal role in developing a strategic offshore captive. He is a business enabler with deep understanding of the governance structures and control environment required to support efficient operations.
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With 15 year's experience in executive search and human capital management. Lindsay is an expert in the complexity of moving people. Lindsay has been retained across a number of Tier 1 Banks, Global FinTech's and the "Big 4". Lindsay leads the DC global internal resourcing function.
David has had an extensive and broad career spanning more than 30 years of Tier One Investment Banking experience. He has held a number of senior positions including, Group COO for EMEA, which included Head of Brexit and the Global Cultural Programme, COO Fixed Income, Executive Board membership and legal entity directorships of both Credit Suisse and industry-wide entities including the British Bankers Association and EBS Ltd (World's largest FX broker).
David specialises in the study of Conduct and Behaviour, and leads Conduct training for the Banking Industry.
David is a fellow of the Institute of Directors and has an MBA from Cass Business School, London.
Rezwan Shafique is a Partner at Delta Capita, leading the Business Transformation practice. Based in London, Rezwan has over fifteen years' experience in financial services and consulting. Rezwan joins Delta Capita from Capco where he led Capco Advisory. Rezwan also trained as a management consultant at Deloitte Consulting. Previous roles include COO for Emerging Markets Sales & Trading at Credit Suisse. Rezwan brings depth and expertise in solving complex change programs across the financial services sector.
David is an acknowledged expert in clearing and collateral management. With over 20 years financial services consulting experience, he has led many clearing and collateral advisory projects across buy-side, sell-side, CCPs and custodians, spanning strategy, target operating model and technology. He speaks at numerous industry conferences and is frequently quoted in financial services media.
David was the founder and Managing Director of The Field Effect (TFE), a boutique consultancy specialising in clearing and collateral management spanning cleared and uncleared OTC and exchange traded derivatives. TFE provided advisory services to every participant in the industry value chain: buy-side, sell-side, CCPs, custodians and CSDs.
Ten months after striking a strategic partnership, Delta Capita acquired TFE in 2019, creating one of the larger specialised consultancies service providers in prime brokerage, securities finance and collateral management.
Ben has more than 20 years of Financial Services experience, specialising in Operations, Risk Management, Regulatory requirement implementation and strategic infrastructure transformations. Prior to joining Delta Capita, Ben worked at Deutsche Bank as Chief Operating Officer to the Chief Risk Officer for the Corporate and Investment Bank.
Philip has more than 25 years of Financial Services experience, specialising in IT and Operations. Prior to joining Delta Capita, Philip held several Chief Information Officer and Chief Operating Officer roles, more recently as Head of Technology and Operations for Barclays Investment Bank and prior to that COO of Barclays Wealth businesses. Before joining Barclays, Philip was CIO for UBS's global Investment Banking business. Philip also has considerable consulting experience.
Steve Vinnicombe has more than 20 years of experience in the consulting industry. He started his career at Accenture, where he spent 11 years, specialising in Financial Services, his last role as a senior executive in the Capital Markets unit. Steve joined Capco in 2010 and was instrumental in helping the business achieve 25% compound annual growth between 2010 and 2016. Between January 2014 and June 2016, Steve served as the CEO of Capco in both the UK and South Africa.
- Founder and Director – The Laurel Partnership (Accounting Firm)
- 20 years of experience providing financial leadership and helping businesses develop internal controls
- Licensed Accountant (ATT)
- Senior practitioner with over 20 years Collateral Management, Securities Finance and Treasury experience across Front Office, Product and Change Management at Investment Banks, Global Custodians and ISCDs
- Significant vendor solution implementation experience driving change from project initiation and vendor selection through to project delivery
- Delivery track record in interpreting regulatory jurisdictional nuances and implementing the required process and functional change
Key competencies
- Target Operating Model formulation
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- Stakeholder Management
Charanpal is a qualified accountant with more than 20 years of Tier 1 Investment Banking experience. He is a highly accomplished and experienced Chief Operating Officer with industry leading experience in the First Line of Defence. This includes pioneering the Front Office Controls COO role, implementing robust supervisory frameworks, performing operational risk evaluations, conduct risk assessments and implementing measurement techniques to identify emerging trends
Nick has extensive Country and Change Management expertise with a strong track record of building and delivering both business and infrastructure solutions regionally and globally. My career has provided significant exposure to a wide range of businesses across Investment Banking, Global Markets, Private Banking and Asset Management in developed and emerging markets.
He has a strong Governance and Control background serving on a number of Legal Entity Boards and good experience in dealing with a wide range of regulators and Governments across the EMEA region. He has the ability to deliver impact through strong stakeholder management and a track record of successful delivery of major change programmes from Front to Back Office, and to establish new businesses and legal entities in a wide range of countries. He is recognised for an analytical and considered approach to driving regional efficiencies and cost savings.
Nick's strengths include strong cultural awareness and the ability to work effectively in both large centralised locations and country offices. He has direct management experience in all Corporate Functions.
Tracey has more than 15 years KYC industry experience, most recently heading up the Client Experience team at Thomson Reuters, within their risk managed services division. Prior to that, she was an Executive Director within EMEA Client Onboarding at Goldman Sachs.
Tracey is a recognised industry financial crime and client onboarding expert who will help DC develop a service model that delivers a differentiating client experience.
Rob has over 20 years experience in senior executive positions in both Operations and IT for financial services. Significant experience in leading highly skilled executive management teams and large transformation programs.
- 20-year professional specializing in heavyweight commercial and project contracts having technology and intellectual property rights at their core
- Significant experience advising banks and asset managers based in Asia, Europe and the US on their commercials and contracts with all major technology and market data suppliers
- Particular focus on the providers of front , middle and back office applications for transactions processing , monitoring and reporting
- LLM – London School of Economics
- LLB – Lancaster University
- Solicitor
Key Competencies
- Facilitation and negotiation of complex high value transactions
- RFP preparation and bid reviews
- Initial investment vs TCO assessment
- Contract consolidation and enterprise agreements
- Audit and dispute resolution
- Outsourcing
30 years experience in the finance sector and has specialised in developing businesses and creating innovative solutions for complex challenges within the industry for the industry for both banks and vendors on an international basis.
Key Competencies
- Trading infrastructures
- Production management
- Complex programme management
- Market Data systems
- Trader Voice
- Clearing & Settlement infrastructures
30 years multi-geography experience at-C level in the banking industry. Deep expertise as a commercial COO, CIO and CAO. Extensive experience in Australia, Singapore, Philippines, US, India, China, Netherlands, UK, Switzerland, France and Malaysia.
Senior roles in MNC IT & Professional Services' vendors as Trusted Advisor of CEOs & COOs for major banks.
Key Competencies
- Steering strategy development and execution
- Strategic sourcing, outsourcing and vendor management
- Major banking transformations
- Lead negotiator for major deals
- Shared services and BPO set ups and sales/disposals
- Business reengineering
- M&A, core banking and program office leadership
- Cyber security & risk assessments
- Senior executive coaching
- Innovative ICT start-ups and angel investing
- IT solutions for Retail, Wealth, Private, Commercial and Investment Banking
Over 30 years experience in strategic business and IT alignment as well as sophisticated large scale programme and project implementations. Previously Head of IBM consulting for the APAC.
Previously Head of IBM consulting for the APAC region with responsibility for bank mergers. Significant experience in advising and assisting financial institutions and government bodies regionally (including China) in strategic business and IT alignment as well as sophisticated large scale program and project implementations. Held senior technical and C-level positions across Asia Pacific.
Key Competencies
- Outsourcing
- IT Strategy
- Bank mergers and acquisitions
- Change Management
- Business Strategy
- Start Ups


text: Ashley Wood has a new poster print available in his shop. The poster is made by 3A toys, the same place that is making his figures and collectibles. The poster is 16″ x 40″, is on thick paper with a matte varnish and is sent in a thick shipping tube.


text: Main Content House Bill 4178 (2019) rss? friendly link printer friendly Friendly Link: http://legislature.mi.gov/doc.aspx?2019-HB-4178 Sponsors Sheldon Neeley (district 34)Jim Ellison, John Cherry, Sheryl Kennedy, Tim Sneller, Wendell Byrd, Cynthia Johnson, Rachel Hood, Jon Hoadley (click name to see bills sponsored by that person) Categories Criminal procedure: sentencing guidelines; Criminal procedure; sentencing guidelines; sentencing guidelines for violating the government accountability act; enact. Amends sec. 11a, ch. XVII of 1927 PA 175 (MCL 777.11a). TIE BAR WITH: HB 4177'19 Bill Documents Bill Document Formatting Information [x] The following bill formatting applies to the 2019-2020 session:- New language in an amendatory bill will be shown in BOLD AND UPPERCASE.- Language to be removed will be stricken.- Amendments made by the House will be blue with square brackets, such as: [House amended text].- Amendments made by the Senate will be red with double greater/lesser than symbols, such as: <<Senate amended text>>. (gray icons indicate that the action did not occur or that the document is not available) Documents House Introduced Bill Introduced bills appear as they were introduced and reflect no subsequent amendments or changes. As Passed by the House As Passed by the House is the bill, as introduced, that includes any adopted House amendments. As Passed by the Senate As Passed by the Senate is the bill, as received from the House, that includes any adopted Senate amendments. House Enrolled Bill Enrolled bill is the version passed in identical form by both houses of the Legislature. Bill Analysis History (House actions in lowercase, Senate actions in UPPERCASE) Date JournalAction 2/13/2019HJ 14 Pg. 134introduced by Representative Sheldon Neeley 2/13/2019HJ 14 Pg. 134read a first time 2/13/2019HJ 14 Pg. 134referred to Committee on Oversight 2/14/2019HJ 15 Pg. 140bill electronically reproduced 02/13/2019


text:
23 Jan2013
It doesn't seem like the holidays unless there is at least one good fruitcake in the house (and I am referring to the baked good). I have never baked a fruitcake, it's Sister's specialty, but I have grown to enjoy a thin slice of the rich treat every once in a while, with a cup of hot tea. And not necessarily at Christmas, in fact, they tend to be at their peak of flavor several months later… So while practicing my couch potato stance watching Ina Garten on the food channel a few weeks ago, I was intrigued by her extremely simple sounding fruitcake cookies…
…they seemed like precisely the right thing to cook to mop up all the extras in the fridge, post holiday cooking craze. Lots of dried figs, some dried cranberries or cherries, apricots, nuts, dates, etc. were chopped up and we made these cookies in a few minutes flat (though there is some elapsed gaps involved). The simple recipe is here. Note that the written recipe differs from her television version. We froze a couple of logs for future use, chilled a few logs for baking a few hours later. We didn't have any sherry in the house when I made this recipe, so I used some Gran Marnier or orange liqueur instead. The cookies turned out nicely. The dough wasn't overly sweet, the figs and fruit provided a nice chewy texture packed with flavor, and the nuts provided the crunch. One cookie was a nice small treat, but who could stop at one?
I packed up several dozen of these cookies and brought them to our Cebu offices. I thought most folks wouldn't find them appealing… I have yet to find many people who really like fruitcakes packed with dried and candied fruit, but these cookies disappeared quickly. But then again, most food disappears quickly in our office… If you like dried fruits and nuts, and or fruitcake, but don't have the time to make it, try these simple cookies instead.
Note: If you are wondering why I have been relatively quiet lately, it's because we are just recovering from the most outrageous Sinulog ever. Didn't take a single photo, but believe me, it was a really wild party all over downtown Cebu. We were prepared for waves of customers, perhaps 4-5 times our normal business, but this veritable TSUNAMI of people showed up at our restaurants, and we served 10-12x the normal turnover on Saturday and Sunday. So give me another day or two to recover, and will be back to regular programming soon. :)
wow! great to know that Zubuchon is very popular now! congrats MM! a friend of mine from Carcar went to one of your branches and told me your lechon is the best!
Jan 23, 2013 | 3:39 pm
This looks good! I really like fruitcake, or at least good ones that usually come out of our oven :) Though I can only manage to eat a thin slice. I have been wondering how to use my leftover candied fruits since I bought a bag too much for my Christmas baking. :) Gonna feel like Christmas in January! :)
Jan 23, 2013 | 4:37 pm
I like watching Barefoot Contessa :-) and Giada too.
Jan 23, 2013 | 5:37 pm
looks yummy! :)
Jan 23, 2013 | 5:45 pm
I've converted a few people who abhor fruitcakes. I believe those who don't like them have never tasted a really good one – moist, winey and all fruit flavours perfectly melded.
Jan 23, 2013 | 6:15 pm
"It doesn't seem like the holidays unless there is at least one good fruitcake in the house (and I am referring to the baked good" —– oh my god this made me laugh out loud!!! :D
Jan 23, 2013 | 6:16 pm
Actually wondering how you could even do the last several posts (which were all very informative as customary). Lived through eight years of Calgary Stampedes and aside from the gin breakfasts, I was not much of a participant. Witnessed the Carnaval in Rio once and avoided it thereafter. But I guess it is important that communities hold this type of periodic mass celebrations if only to let off steam and reinforce civic spirit, not to mention, eat fat as in the original meaning of Mardi Gras.
Jan 23, 2013 | 9:42 pm
You can practice your "couch potato stance" all you want, MM! I have heard from some colleagues that this was the most intense Sinulog yet.
Jan 23, 2013 | 10:13 pm
I like Barefoot Contessa too. Ina Garten always seems to have a Zen approach to cooking. I've always been curious about Stampede when I used to visit U of C.
Jan 24, 2013 | 3:57 am
something like … "the answer to all problems is more rum …" ina garten
Jan 24, 2013 | 9:00 am
food network altered it after their own kitchen test. i will try this recipe soon.
MM, if i cannot get figs, do i substitute the missing amount of figs with the other dried fruits or just totally just omit it. i am concerned on the ratio if taking it out will produce a difference in the dough mixture. thanks!
Jan 24, 2013 | 9:04 am
That other kind of fruitcake seems to be a Filipino prescription for livening up all kinds of celebrations back there if this frequently visiting American writer is to be believed. His article here:
Jan 24, 2013 | 9:43 am
Fruitcake is something we learned to love when we were small as both our parents enjoyed eating it. The best and one of the most awaited during our Xmas holiday buffets was the cutting and portioning of our Collins Street Bakery Corsicana Fruitcake send annually by an Aunt from the USA.
As my hubby was just starting his practice, I remember baking several Fruitcakes during the holidays for his Xmas giveaways.And I was always generous with the candied fruits and nuts because that is what makes a fruitcake great!
I think I have to try this fruitcake cookies soon. The barefoot contessa is a favorite as she has a calming, soothing effect in the kitchen. Thanks MM and I hope you get your deserved R&R after all the chaos of the Sinulog.
Jan 24, 2013 | 9:53 am
Thanks for sharing…..I will try this recipe this coming weekend as I still have dried fruits and nuts from last Christmas :-)
Jan 24, 2013 | 9:53 am
An intense Sinulog would be great for business but I hope it will NOT turn into a hedonistic affair like some festivals.
Jan 24, 2013 | 11:29 am
MM, when are you putting up Zubochon in Manila?
Jan 24, 2013 | 4:37 pm
Congratulations MM on the more than expected turn-out at Zubuchon during the Sinulog. This is one proof of the increasing popularity of Zubuchon and that you are on your way to becoming a successful restaurateur! And what we who are Metro Manila denizens and can only be in Cebu on occasion and have that only chance to taste your unique restaurant offerings hope that you set up a branch or two here in Metro Manila soon!
Jan 24, 2013 | 7:28 pm
Footloose: Took a bite and came back for more. Like MM, another one of those "wishing me like to one more rich" in prose moments. Thanks for the link.
Jan 24, 2013 | 8:48 pm
@Dodi, I thought it is hedonism itself that triggers the spending of money for business.
Jan 25, 2013 | 2:40 am
I'm surprised at how big Sinulog has become. Maybe something like Mardi Gras in New Orleans? Like it's not just another big fiesta, but *Sinulog*. (Or maybe it has been that big all along and I was too young to notice.)
Strangely, I don't think I've ever met a fruitcake I didn't like (after I turned 13 year old). Maybe I got lucky and the fruitcake gifts we received have all been good or I don't have a well developed palate.
Jan 27, 2013 | 4:19 pm


text:
§ 55. Mr. David Shaw
asked the Secretary of State for Transport if he will make it his policy that no public money will be used for subsidy to, or for lending to, or for investment in any form of share capital in Eurotunnel or any successor company prior to, during or after the construction period of the Channel tunnel.
§ Mr. David Mitchell
It is already Government policy, as set out in article 1 of the Anglo-French treaty on the Channel fixed link, that the link shall be financed without recourse to Government funds or to Government guarantees of a financial or commercial nature. That commitment is reinforced by clause 2 of the Channel Tunnel Bill which, likewise, forbids the provision of Government funds or guarantees (which would include both loans and the subscription of share capital) to the concessionaires other than funds available equally to others (for example, through the use of suppliers who are in receipt of regional aid).


text:
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Fresh, Healthy & Made to Order. "What's in your creap?"
Crepe Delicious is a global leader specializing in the creation of world-class sweet and savory crepes and hand-crafted gelato. We are a leader in the trend toward healthier eating. The first Crepe Delicious opened in Vaughan Mills, north of Toronto, Canada in 2004. Now with locations spanning 8 countries around the world, we are proud to have become one of the largest creperie and gelateria world-wide.
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