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Theres a new dawn breaking in finance. Thats the hope thats fuelling the groundswell of interest in financial technology, with companies being founded almost daily that aim to overhaul the way financial institutions and their clients operate. Perhaps with an eye to how other sectors have been shaken to their foundations by technology, big financial firms are taking a closer look at these upstarts, increasingly turning to start-ups to resolve regulatory requirements, security concerns, big data conundrums and rapidly changing customer demands.The sector has attracted increasing interest from investors. Global investment in fintech ventures has more than tripled during the past five years, from less than $930 million in 2008 to more than $2.97 billion in 2013, according to research from Accenture. In the UK and Ireland alone, deal volume has risen 74% over the same period.
Against this backdrop, today Financial News launches its first FinTech 40 power list highlighting the key people in the sector. The aim was to find the most important 40 people based in the region who display influence or innovation in the emerging financial technology ecosystem. They had to be operating in, or have potential to impact, European capital markets and Financial News. The long list of more than 100 people ranged from visionary entrepreneurs, to savvy investors, community organisers or technology buyers at the worlds largest financial institutions. The names were then assessed on their technological innovation in European capital markets and achievements to date; their potential to shape and influence their sector; the assets or resources at their disposal; and their broader contribution to improving efficiency. We then, finally, after much debate, whittled down the list to the final 40.
There were many tough choices. Weve had to pass over some of the best-known fintech start-ups that operate purely in a consumer environment because its not yet clear that they will impact wholesale finance. In some firms there is a slew of influential individuals. Weve decided to select only one name per company. And some individuals have influence broadly in the tech or start-up scene. Weve tried to focus the list on the names with a clear focus on fintech. The final 40 come from across the region, with representatives from Frankfurt, Geneva, Paris, Brussels, Stockholm and Tel Aviv. But as the list was whittled down it became increasingly concentrated on London, reflecting the citys dominant position as Europes leading fintech cluster.
Most of the individuals are entrepreneurs whose young companies are making waves in the industry, while others are consultants, accelerators, community organisers and representatives from financial institutions who have demonstrated a concrete engagement with the emerging fintech ecosystem.The biggest group is from the start-ups themselves, who make up 17 of the 40, although the sheer number of fintech start-ups mean it would have been easy to fill the list with 40 start-ups alone. Investors, a crucial part of the movement, make up seven. Large financial institutions take four places, showing how many progressive firms are spurring the development of fintech start-ups, even though these start-ups might trigger disruption and threaten internal fiefdoms. The rest of the list is made up of lawyers, accelerators, and people organising and supporting the growing community.
The FN Fintech 40
Yoni Assia
Co-founder and chief executive, eToro, Tel Aviv
Assia, 33, is the co-founder and chief executive of social trading platform eToro, which has more than 3.5 million users worldwide. One of the leaders in this emerging fintech phenomenon, eToro is catching the attention of large financial institutions and banks. Denmarks Saxo Bank, for example, launched its own social trading platform in January 2014, and is planning a white-label version for institutional fund management clients.
Founded in 2007, eToro enables retail traders to invest and share information about their trades, performance and strategies. The online social trading platform, which has raised $31.5 million from various investors including Spark Capital and BRM Capital, is setting the standard for this emerging sector. Assia hopes eToro can ultimately bridge the information gap between retail and institutional traders. He previously founded CDRide, an on-ride video technology company that was sold to Kodak, and is involved in Colored Coins, which aims to use bitcoin infrastructure to exchange other assets.
Mark Beeston
Chief executive and founder, Illuminate Financial Management, London
After more than four years running the post-trade business of interdealer broker ICAP, and a career in credit trading and swaps processing, Beeston in 2014 launched his own fintech-focused advisory and venture fund. Beeston, 42, was instrumental in creating ICAPs increasingly influential market structure-focused seed funding and acceleration platform, Euclid Opportunities. He now hopes to use his fintech advisory experience and banking connections to capitalise on sweeping financial reforms and industry-wide deleveraging. His FinTech Opportunities fund, which is close to securing initial seed funding from a UK-based family office, will focus on disruptive technologies that impact cost, control, capital, compliance or execution in capital markets. Beeston is working on sourcing its first set of investments.
After 13 years at Deutsche Bank, including as chief operating officer of its global rates business and global credit trading business, Beeston in 2005 set up T-Zero, a credit default swap processing platform, which was acquired three years later by Intercontinental Exchange. He continues to sit on the executive board of two technology firms in which Euclid invested risk management firm OpenGamma and a data analysis service provider Duco.
Oliver Bussmann
Group chief information officer, UBS, Zurich
German-born Bussmann, 48, is one of the most vocal supporters of technology innovation in the European banking industry. He joined UBS as chief information officer in 2013, and has played a critical role in helping the Swiss bank reshape its innovation strategy and increase its collaboration with venture capitalists and fintech start-ups. He is leading the creation of internal working groups, with dedicated budgets to develop innovative technology projects across the bank, which will involve UBS business and IT staff, and experts from the fintech sector. In 2012, Bussmann was dubbed the most social chief information officer of a Fortune 250 company by software provider harmon.ie he is an active tweeter with more than 10,000 followers, is on Facebook, LinkedIn and has his own website.
As global CIO of technology company SAP for four years, Bussmann increased mobility and collaboration as well as the use of big data technology and business-building social media strategies at the firm. He cites the development of an enterprise mobile app store giving SAP employees access to more than 100 business apps among his many achievements. He has also previously worked at Allianz Group, Deutsche Bank and IBM.
Claire Calmejane
Head of Digital Centre of Excellence, Innovation and Partnerships, Lloyds Banking Group, London
Computer engineer and French-born Calmejane, 31, is charged with leading the UKs Lloyds Banking Group into the digital age. She took on the initiative in February 2014 to develop Lloyds external and internal digital strategy across its commercial, wealth, retail and insurance businesses. Calmejane continues to gain influence in the wider fintech sector. She was the driving force behind Lloyds backing of Londons latest fintech accelerator programme Startupbootcamp FinTech, where she is a board member and mentor. Calmejane was voted a rising star in digital banking in Europe in 2014 by the mobile and online financial services community Digital Banking Club and was a visiting scientist at MIT Center for Digital Business, working on digital transformation in 2011.
At Capgemini Consulting, Calmejane advised banks and large corporates before heading delivery of Lloyds online services, managing a 250-strong team and a multimillion-pound budget to create products. She is a self-confessed geek who enjoys swimming, travelling and hiking.
Neil Costigan
Chief executive, BehavioSec, Luleå, Sweden
A 17-year financial technology veteran, Costigan, 46, first advised the co-founders of Swedish biometric technology platform BehavioSec before joining the firm as chief executive three years later in 2011. Launched by Olov Renberg, Kristofer Nygren and Peder Nordström in 2007 as a spin-off from their research as students, the firm verifies users identities by analysing unique patterns in their interaction with technology, such as how they type on their computers or mobiles.
Under Costigans tutelage, and with 1.2 million of seed funding from venture capital investors including Conor Venture Partners and Partner Invest Norr, BehavioSec is emerging as an important security service provider to large financial institutions. Clients include Denmarks Danske Bank, which uses BehavioSecs anti-fraud technology to secure its internet banking operations. BehavioSec secured a place as one of seven companies on Accentures first FinTech Innovation Lab in 2013. It hopes to raise 4.5 million from UK investors to expand and integrate BehavioSecs software into mobiles, as banks use of mobile transaction banking and trading services increases.
Nicolas Debock
Senior investment manager, XAnge Private Equity, Paris
Debock, 36, spearheads the Paris-based private equity and venture capital firms investments in fintech venture and growth firms across Europe. XAnge, which has a total of 375 million of assets under management, has backed several fintech firms, including payments start-up The Currency Cloud, German online bank Fidor Bank and French crowdfunding platform KissKissBankBank. Before joining XAnge in 2011, Debock worked in the innovation and strategy department of French postal service Groupe La Poste, engaging with start-ups, venture capitalists and investors to gain insight into new trends that could affect the firms businesses.
Debock was one of the founders of BarCampBank, a community that organises events on the future of banking and disruptions related to finance, and, in 2013, he organised Hack The Bank Paris, the first French fintech hackathon. Debock, who collects jazz vinyl records, enjoys cycling and playing rugby.
Samir Desai
Chief executive and co-founder, Funding Circle, London
Desais online lending platform, which he launched in 2010 with James Meekings and Andrew Mullinger, is building momentum and attracting the attention of institutional investors. More than £290 million has been lent through Funding Circle to over 4,500 businesses across the UK. Some 30,000 retail investors, eight UK local councils, a university and the UK government have also lent through the platform. European hedge fund Marshall Wace is set to invest in Funding Circle loans through its peer-to-peer Global Investment fund. The firm says investors on its platform have made an average of 6.1% return after fees and bad debts.
Desai, 31, who set up Funding Circle in the US in 2013, gained backing from venture capital firms including Index Ventures, Accel Partners and New York-based Union Square Ventures, as well as angel investors including Carphone Warehouse founder Charles Dunstone and Jon Moulton of Better Capital. Desai previously worked as a management consultant at BCG.
Clare Flynn Levy
Founder and chief executive, Essentia Analytics, London
US-born Flynn Levys fintech start-up, Essentia Analytics, uses behavioural data analytics to help investment managers improve their performance. Founded in April 2013, it already boasts an impressive list of clients, including fund manager Artemis and hedge fund GLG Partners, which is owned by Man Group. Essentias cloud-based platform analyses historical trade and biometric data to reveal fund managers strengths and weaknesses. It uses decision-support software, data scientists and coaching partners as part of its services.
Former fund manager Flynn Levy, 40, wanted to develop a tool to help the fund management industry do its job better and prove its skills to investors. After university Flynn Levy spent five years at Deutsche Bank-owned Morgan Grenfell Asset Management, rising through the ranks to manage more than $1 billion of UK balanced and specialist segregated pension fund assets. She later joined hedge fund software provider Beauchamp Financial Technology, where she was president responsible for Europe, the Middle East and Africa sales and operations. She is involved in several networks for women in senior roles and cites businesswoman Dame Stephanie Shirley as inspirational.
Eddie George
Founder and chief executive, NewFinance, London
George, 48, founded technology network NewFinance in July 2011 as a meet-up in an east London pub. Today NewFinance has more than 2,000 professionals involved in innovating financial services through technology as members, including entrepreneurs, technologists, investors, academics and students.
It hosts events and seminars in London and the US covering fintech issues such as analytics and big data, cryptocurrencies and regulation, and aims to bring together and promote fintech innovators in London, San Francisco and New York.
It has a core team of seven, has held more than 54 events and also provides research and advisory services to large corporates. George secured sponsorship from five firms including software company Iress, insurer Aviva and Allianz Digital Accelerator he charges established businesses, but operates on a non-profit basis for start-ups. George, who built a career in IT including at Citigroup and Commerzbank, owns two vintage Jaguars and plays in a rock band.
Steve Gibson
Managing director, Euclid Opportunities, London
A 20-year financial technology veteran, Gibson, 42, worked at software companies Siebel, Ipreo and Calypso Technology, before joining the worlds largest interdealer broker ICAP in January 2011. In March that year, with Mark Beeston, he helped establish and run Euclid Opportunities, ICAPs market structure-focused seed funding and acceleration platform for fintech start-ups, building on the brokers track record of investing in fledgling post-trade risk management technology firms.
Through Euclid, Gibson has considered over 400 applications from early-stage middle office-focused fintech firms. He played a key role selecting three for investment: open-source risk management software vendor OpenGamma, Duco, a data analysis service provider, and Enso Financial Management, an analytics company. ICAP is also working on joint services with several other start-ups. Gibson was a driving force behind an early technology that went on to become part of Calypso, one of the best-known derivatives trading and risk management technology platforms. He sits on the board of AcadiaSoft, an OTC derivatives technology provider, and mentors as part of the FinTech Innovation Lab in London.
Richard Goold
Corporate partner, Wragge Lawrence Graham & Co, London
Goold, 36, is fast establishing himself as a leading legal influence in the technology sector. He specialises in international mergers and acquisitions, and private equity with a focus on technology. Fintech is a significant part of Goolds work, which ranges from large buyouts to growth capital and venture capital financing, and includes advising on investment and regulation. He also co-chairs the firms technology sector group of 115 lawyers.
As well as helping firms on bitcoin and other cryptocurrencies regulatory issues, Wragge Lawrence Graham & Co advised payment services provider TransferGo on Financial Conduct Authoritys approval to operate in the UK. It also works with larger financial firms, including HSBC and Euroclear.
Goold, who started his career at Wragge in 2001, becoming a partner in 2012, is a mentor at UK accelerator space Level39. He also visits tech hubs in the US, where he acted for venture capital firm Greycroft Partners on its investment in money transfer company Azimo, and advised new equities exchange IEX and financial services software start-up OpenFin.
Ian Green
Co-founder and chief executive, eCo Financial Technology, London
Green, 50, left his role as global head of fixed income ecommerce at Credit Suisse in January 2013 to develop a new marketplace for banks and financial institutions to buy and sell proprietary software in source code form.
Together with former Credit Suisse colleagues Tosha Ellison and Gavin Warren, he launched eCo Financial Technology in January 2014. The platform assesses banks software for quality and compatibility with other institutions systems enabling financial firms to commercialise the vast pools of technology they have built over the years. Backed by Credit Suisse, which is expected to become an early seed investor, eCo aims to improve transparency in the financial technology market.
Mathematician Green spent over a decade at Credit Suisse in trading and IT, including as global head of eFX trading and global head of derivatives IT. The keen cyclist, who has kept a list of the last 320 books he has read, previously worked for software companies, including SunGard and Softbridge Capital Markets.
Manu Gupta
General partner, Lakestar, Zurich
Former Goldman Sachs technology banker Gupta, 35, spearheads the fintech investments of Zurich-based technology venture capital firm Lakestar, which he helped launch in 2012 with venture capitalist Klaus Hommels.
Guptas portfolio includes Algomi, a fintech start-up that helps financial institutions match bond orders; cloud-based invoice and payment systems provider Taulia; and bitcoin information network CoinDesk. He began his career as a programmer and product manager at software giant Oracle. Having completed an MBA at the University of Chicago Booth School of Business, Gupta joined Goldman Sachs in San Francisco in 2006 and later led its European internet coverage, advising on technology mergers and acquisitions and IPOs in London.
Lakestar partners Hommels, Michael Stuenkel, Mark Schmitz and Oliver Heimes built a strong record in technology start-ups as early investors in Spotify, AngelList, Airbnb, Skype and Facebook. Before Lakestar, they also invested in some fintech, including online investment management start-up Nutmeg and mobile payment company SumUp.
Jan Hammer
Partner, Index Ventures, London
Former investment banker Hammer, 37, focuses on growth-stage investments and leads technology venture capital firm Index Ventures fintech efforts from London. It has invested in 24 companies globally in the financial services technology market since launching in London in 2002, including Adyen, an Amsterdam-based payments firm, and Novus, a US portfolio analytics platform.
Hammer, who joined Index in 2010 from venture capital firm General Atlantic, led the funds investment in BitPay, a US bitcoin payment service provider, which also attracted capital from Virgin Group chairman Richard Branson and Jerry Yang, co-founder of Yahoo!.
Index has also invested in UK peer-to-peer currency transfer start-up TransferWise, online retail foreign exchange trading platform Oanda and peer-to-peer lending platform Funding Circle. Czech-born Hammer, who sits on the boards of BitPay, Adyen and Novus, was previously a banker at Morgan Stanley in London and New York. He graduated from Oxford University, and holds an MBA with distinction from Insead.
Taavet Hinrikus
Chief executive and co-founder, TransferWise, London
An active angel investor, Hinrikus, 33, is chief executive of TransferWise, an international money transfer start-up, which he launched with fellow Estonian Kristo Käärmann in 2011. TransferWises technology is shaking up the payments industry, making it easier, faster and cheaper for individuals and businesses to make international money transfers. It has transferred more than £1 billion of customers money, and claims to have saved them over £45 million in banking fees. Hinrikus hopes to make the essentially retail offering more attractive to corporates and lure more transactions away from the large banks.
TransferWise recently raised $25 million from high-profile investors, including Richard Branson and Peter Thiel, co-founder of PayPal. Venture capital firm Index Ventures, Betfairs former chief David Yu, and Le Monde owner Xavier Niel have also invested.
Hinrikus was Skypes first employee, and its director of strategy until 2008. He has also advised, and invested in technology start- ups, including social media platform TweetDeck, which was acquired by Twitter, and Coinfloor, a bitcoin exchange targeting institutional investors. Hinrikus recently ran a marathon in Sierra Leone.
John Matthew Holt
Chief technology officer and co-founder, Waratek, Dublin
Holts Dublin-based Waratek has developed patented technology making it easier for banks to virtualise their Java applications. The process involves separating applications from the hardware and the operating system and moving them, for example, to the cloud, without disrupting other systems they interact with.
As many as half of all applications used by banks run on programming language Java, which is complicated to virtualise. Warateks technology, which was developed through years of research spearheaded by Holt, simplifies that process, by allowing virtualisation without changes to the code. It also adds an additional level of security to applications.
Holt, 33, co-founded Waratek with his father. It was one of the start-ups in Accentures accelerator programme, and also won the global start-up competition held in 2013 by Innotribe, the innovation arm of payments giant Swift. Australian-born Holt leads a team of developers in Dublin, London and New York. He enjoys cooking paella and plays the violin.
Nick Hungerford
Co-founder and chief executive, Nutmeg, London
The founder of the UKs first online discretionary investment management company has been passionate about investing since he was a boy. Hungerford, 34, wants to shake up the wealth management industry with user-friendly technology that provides transparent investing to the new generation of investors, who may have as little as £1,000 but who could become tomorrows high net worth investors.
Nutmeg creates a diversified portfolio in under 10 minutes, investing primarily in exchange-traded funds. It manages and rebalances portfolios based on an investors goals, risk appetite and investment time horizons, charging a single fee of between 0.3% and 1%. Nutmegs assets and customers have grown 10% month on month since launch in 2012, says the former Barclays wealth manager and at that time Brewin Dolphins youngest director. Hungerford has influential support, including venture capitalists Klaus Hommels, Tim Draper and Daniel Aegerter as financial backers, and economist John Kay and former T Rowe Price president Todd Ruppert on his advisory and management teams. Nutmeg was first conceived by tennis-loving Hungerford during his MBA studies at Stanford.
Damian Kimmelman
Founder and chief executive, DueDil, London
Just three years after its launch, Kimmelman has created the largest source of private company information in the UK and Ireland, and a popular tool for businesses including financial and professional services firms.
By aggregating and analysing information from multiple reliable public sources, including Companies House, DueDils users can access digestible information on performance trends and more than two decades of digitised business, accounting and director information on private companies. It has a free version and subscription offering additional features. Users can stream information on more than 10 million companies and 13 million directors in the UK & Ireland, along with extra coverage of other 20 European markets. Kimmelman, 31, secured backing from several venture capital firms including Notion Capital, Passion Capital and Oak Investment Partners as well as notable angel investors including Sherry Coutu and Tom Hulme.
American-born Kimmelman previously set up two businesses: a peer-to-peer Chinese gaming platform and a London-based digital agency whose clients included the BBC, Virgin and General Motors.
Mike Laven
Chief executive, The Currency Cloud, London
Laven, 65, has been helping fintech start-ups get off the ground since 1996, most recently as chief executive of secure international payments service The Currency Cloud. In 2012, he helped it raise $8 million from venture capital and private equity firms including Atlas Venture, Notion Capital, Anthemis and XAnge.
In 2014, a second fundraising secured $10 million. The company employs 50 people and processes $4 billion in payments globally, providing the platform to 125 firms, including international money transfer start-up TransferWise and business foreign currency exchange Kantox. It counts banks that serve corporate clients as its main competitors, and targets large payments and reconciliation of small to medium companies.
As chief executive of risk management technology provider Infinity Financial Technology, Laven oversaw its listing on Nasdaq in 1996 and sale to US software provider SunGard for $390 million in 1997. He worked at post-trade processing firm Traiana for six years, playing a key role in its acquisition by broker dealer ICAP in 2007, and spent five years advising fintech companies in Silicon Valley.
Julian Lee
Chief executive, Erudine, London
Having spent the early part of his career building front-office technology at Gartmore Investment Management and then as global head of business architecture at ABN Amro, Lee realised that firms struggle to adapt their financial IT systems in response to regulatory changes.
In early 2013, he launched Erudine and has since attracted £1 million of backing from influential institutional senior executives, including Mike Powell, former global head of markets at HSBC; Tom Kozlowski, owner of software vendor First Derivatives; and Andrew Fleming, former chief executive of Aegon Asset Management. Erudines software enables firms to automate compliance processes and is best suited to rules requiring transaction reporting, including the US Dodd-Frank Act and the European Market Infrastructure Regulation. It determines how trades can be processed to be consistently compliant and applies it to all future transactions. Lee, 43, believes Erudine is the first to take this approach to regulatory compliance.
In March, the business was selected for Accentures second annual FinTech Innovation Lab in London, which offers start-ups mentoring and networking opportunities.
Nektarios Liolios
Managing director, Startupbootcamp FinTech, London
Liolios, 47, is head of one of Londons newest fintech accelerators. Its first three-month programme, which goes live in mid-August, aims to mirror Startupbootcamps success in Europe and the Middle East, where, on average, 70% of start-ups have raised additional angel investor and venture capital funding after completing the programme. The London version, focused exclusively on fintech, will give 10 early-stage businesses investment and mentorship from entrepreneurs, investors and corporate partners, including Lloyds, Rabobank and MasterCard. The programme includes 15,000 and three months free office space at Londons St Katharine Dock, in return for 8% equity.
Liolios spent nine years at payments giant Swift, where he joined its innovation arm Innotribe in 2011. Liolios who has 200 pairs of his favourite sneaker brand began his career at securities depository Cedel, acquired by Deutsche Börse in 2002.
Jeff Lynn
Co-founder and chief executive, Seedrs, London
Lawyer Lynns equity crowdfunding platform was the first of its kind to receive regulatory approval, enabling individuals, angel investors and institutions to make equity investments online in seed and early-stage firms across Europe.
Since Seedrss launch in July 2012, 105 companies have reached their investment target on the platform, raising a total of £9.8 million. Although most deals on Seedrs are at a pre-institutional level, several institutions have started investing through the platform, including Portuguese venture capital firm Sabor Ventures and UK-based angel investor syndicate Juno Capital.
Companies funded through Seedrs, and which later secured venture capital, include accounting data start-up Satago. Seedrs charges start-ups 7.5% commission on funds raised and investors, who can benefit from tax relief using the platform, pay 7.5% on profits from their investment. US-born Lynn, 35, who is a keen sailor, was a corporate lawyer at Sullivan & Cromwell focusing on mergers and acquisitions for clients including Barclays and Goldman Sachs. He holds an MBA and law degree from Oxford University.
Samad Masood
Programme director, FinTech Innovation Lab, Accenture, London
Since 2012, Masood, 36, has been designing and managing Accentures accelerator programme in London, where fintech start-ups are mentored by senior executives from investment banks, venture capitalists and angel investors.
A dozen sponsors including Goldman Sachs, JP Morgan Chase, Citi, HSBC and Morgan Stanley provide mentoring, coaching and networking throughout the 12-week programme. Start-ups also get facetime with potential investors. The latest 2014 programme, which ended in March, involved seven companies with technologies such as advanced analytics systems, open-source trading systems and financial control systems. Firms from last years Lab reported average revenue growth of 140% and staff increases of 40% in their first nine months since completing the programme. Most signed deals with banks involved in the Lab.
Masood, who joined consultancy Accenture in 2010 after more than a decade analysing and writing about B2B technology, also advises the firms clients on innovation strategies and supports technology and innovation research globally. He enjoys cycling and snowboarding, and volunteers for House of Genius, which helps early-stage companies.
Christian Nentwich
Co-founder and chief executive, Duco, London
Austrian-born Nentwich, 35, is the co-founder and chief executive of Duco, a London-based data services company that aims to improve back-office functions at large banks. It launched in 2010 and was backed by Euclid Opportunities, interdealer broker ICAPs vehicle for investing in fintech firms, and by ICAP itself. Ducos technology services include automated trade, portfolio and cash reconciliation, and reconciliation of static data between multiple systems. Its client roster includes JP Morgan, HSBC, Credit Suisse and ICAP. Ducos applications are web hosted and users are charged on a pay-as-you-go basis. They are designed to be fast, easy to use and cheap. Nentwich, a self-taught programmer who earned a doctorate in computer science from University College London, previously founded the Validation Working Group for the FpML messaging standard for over-the-counter derivatives, championed by the International Swaps and Derivatives Association.
Sean Park
Founder and chairman, Anthemis Group, Geneva
Anthemis, which advises and invests in companies aiming to reshape financial services through technology innovation, was founded by Park in 2010 with Udayan Goyal, Deutsche Banks former global head of financial technology advisory, and Nadeem Shaikh, former head of financial institutions at First Data Corporation. It has offices in London, Geneva, Dubai and New York, and has completed several successful investment exits, including the sale of US weather derivatives platform The Climate Corporation in October 2013, and the sale of online banking start-up Simple to Spanish banking group BBVA in February 2014 for $117 million. Ongoing fintech investments include cross-border payments platform The Currency Cloud and currency transfer firm Azimo. Park is the author of fintech blog The Park Paradigm and a frequent speaker at industry events.
Park, 45, has 16 years of capital markets and investment banking experience from BNP Paribas and Dresdner Kleinwort Wasserstein, where he was head of digital markets, running a team of 200 people worldwide. Before Anthemis, he was an early investor in internet betting exchange Betfair, property website Zoopla and financial data provider Markit on behalf of DrKW. An avid skier, Park cites economist Carlota Perez among his biggest influences.
Alastair Paterson
Co-founder and chief executive, Digital Shadows, London
Digital Shadows was launched in 2011 by Paterson, a former international propositions manager at technology firm BAE Systems Detica, and secure software and systems specialist James Chappell, to address financial institutions growing cyber security concerns. Using algorithmic technology to scour the internet, monitoring millions of sources of information in 26 languages, it finds sensitive information that may have leaked from a firms systems and could risk its security or reputation. Paterson, 32, believes no other cyber security firm competes with the depth and scope of Digital Shadows service.
It counts top-tier banks as clients and was selected in 2014 by the Bank of England to develop its new cyber security strategy for systemically important financial institutions. Participating in Accentures accelerator programme FinTech Innovation Lab in 2013 secured Digital Shadows four banking clients. It also raised £1 million from venture capital, angel investment and UK government grants and set up an international reseller programme with UK firm ITC Secure Networking. It also plans to launch in the US.
Mike Powell
Co-founder and partner, Thematic Capital, London
The HSBC veteran of 25 years and former global head of markets at the bank co-founded venture capital firm Thematic Capital in 2008 with HSBCs head of e-commerce Ken Yeadon. Specialising in technology and web-based companies, Thematic has backed several fintech firms, including high-speed data and infrastructure provider Fixnetix, trading technology company smartTrade and financial control systems firm Erudine.
In 2014, Powell and Yeadon established a separate acquisitions vehicle Techsqr to buy and consolidate financial technology firms in the wealth, asset management and insurance sectors. They aim to raise £50 million to £75 million to finance deals, and have narrowed down the list of potential targets to eight companies.
Powell, 52, who managed 3,500 people and revenues of more than $8 billion at HSBC, is a non-executive director of several technology and financial institutions, including Saudi-based investment bank Jadwa, where he also chairs its investment committee.
Matteo Rizzi
General partner, SBT Venture Capital, Brussels
Italian-born Rizzi, 44, is one of two partners at SBT Venture Capital, a fintech-focused fund launched in late 2013 by Russias largest lender Sberbank. The $100 million fund has invested in five fintech firms, including mobile payments start-up Sequent and security firm Tufin. It is one of the first strategic corporate banking funds dedicated to fintech, focusing on cyber security, payments, big data and analytics and new banking models. Sberbank is considering investing $700 million in venture capital funds over the next three years.
The SBT team boasts 50 years of fintech experience. Rizzi, who is fluent in four languages, spent nearly 13 years at payments giant Swift and co-founded its innovation arm Innotribe. The computer scientist started out at web-oriented IT and networking hardware firms. He co-founded a social network for Italians living abroad and invests in seaside real estate.
Samarth Shekhar
Co-founder, FinTech Forum DACH; Founder and managing director, TechFluence, Frankfurt
Shekhar, 40, launched the first forum for the emerging fintech sector in Germany, Austria and Switzerland with Frank Schwab, chief executive of Fidor Tecs, in 2013. FinTech Forum DACH aims to build a network for innovative fintech start-ups in German-speaking Europe, and for investors, accelerators, banks and acquirers.
It offers advisory, research and business development services. Shekhar a computer scientist who has worked at Capgemini, analyst relations firm Kea Company and Indian IT house HCL also runs his own advisory firm, TechFluence, in Frankfurt.
The Forums first event, in Frankfurt in 2014, involved 20 start-ups including Berlin-based Open Bank Project, an open-source APi and app store for banks presenting to investors and potential buyers such as Credit Suisse. It has since hosted an event in Frankfurt and is planning a third. Shekhar was also a judge at Innotribes start-up challenge in London in 2014 run by Swifts innovation arm.
Chris Skinner
Chairman. Financial Services Club, London
A technology, infrastructure and post-trade services veteran of more than 30 years, Skinner, 54, has advised many of the worlds largest banks and IT firms and is founder of the European financial sector networking group Financial Services Club.
Established in 2004, the club meets every six weeks in eight European cities to debate the development of financial services, with a focus on highlighting emerging financial technology innovations. It has 2,000 individuals and 175 firms as members. Meetings regularly feature high-profile speakers from fintech, regulatory and financial institutions.
An independent consultant focusing on European financial institutions use of technology and the impact of regulation on financial markets infrastructure since 2002, Skinner has advised UBS and Lloyds Banking Group on their digital bank strategies in the past year. His career includes running HSBCs Future of Banking workshops; senior strategy roles at technology firms Unisys and NCR; writing books on the Markets in Financial Instruments Directive and Payment Services Directive; serving as an advisory board member of technology firms and Innotribe, the fintech start-up challenge run by messaging network Swift.
James Stickland
Director, strategic innovation investments HSBC Global Banking and Markets, London
Stickland moved from JP Morgan to HSBC in April 2014 to join the banks renewed push to take advantage of opportunities in the technology sector. He is part of a team charged with finding innovative companies that develop technology that can be used by HSBC group clients.
Stickland, 34, is involved in a $200 million fund set up by HSBC to invest in fintech start-ups that will help the bank improve its technology, according to a source familiar with the initiative.
As HSBCs point man for growth companies and the venture capital community on innovation in the fintech sector, Stickland is key to identifying technology that can steer HSBCs strategy. He held a similar role at JP Morgan for more than three years, working directly under the banks global chief innovation officer Guy Chiarello, whom he cites as a mentor.
Stickland started his career at large technology companies including IBM and Cisco. He is a keen traveller and has Antarctica on his list of places to visit.
Stu Taylor
Chief executive officer, Algomi, London
After six years in senior roles within UBSs fixed income division, Taylor, 42, joined forces with UBS colleagues Robert Howes and Usman Khan to establish a new fixed income trading software company in June 2012. Algomi aims to address issues arising from new capital rules, which have made it more expensive for banks to hold bonds on their balance sheets and constrained their ability to act as intermediaries in fixed income markets. Some banks have responded by launching internal markets that match client orders, but Algomis approach is different. It helps institutions better track the internal flow of information on potential bond trades, enabling traders and sales teams to connect more easily. Clients include Deutsche Bank, Credit Suisse, HSBC, Nomura and Six Swiss Exchange. Taylor, who says Algomi is valued at over $100 million and believes no other software provider offers a similar service, plans to expand outside the UK and extend the model to new types of client, including asset managers and hedge funds.
A keen motorcyclist and wakeboarder, Taylor admits that Algomis rapid success has led to some growing pains but believes its use of industry experts and professional processes has helped it to scale up.
Alexis Thieriet
Managing director and founder, FTCL, London
Anglo-French dealmaker Thieriet, 40, founded FTCL, one of the few financial technology-focused corporate finance and development firms based in Europe, in early 2013. It advises early-stage and established companies, as well as private equity and venture capital investors operating in the fintech industry.
The fledgling firm has completed one deal and won five mandates to advise on capital raising and disposals. Thieriet, who also hopes to partner with fintech-focused corporate advisers in the US, is active in Londons emerging fintech industry and mentors start-ups in several accelerator programmes, including Startupbootcamp Fintech and Level39. He is also a judge in the start-up competition run by payments network giant Swifts innovation arm Innotribe.
Thieriet worked on more than 70 fintech, financial services and private equity deals during his 17 years at Bankers Trust, Morgan Stanley, UBS and Hawkpoint. Deals included the merger of exchanges Euronext and NYSE, the launch of trading venue Turquoise and reporting platform Boat. He has a keen interest in architecture.
Fabian Vandenreydt
Head of markets management, Innotribe and the Swift Institute, Brussels
Vandenreydt, 48, took over management of member-owned payments messaging network Swifts innovation arm, Innotribe, last year. The unit aims to connect the Society for Worldwide Interbank Financial Telecommunications 10,500 members which include corporates, banks and financial institutions with financial technology start-ups.
More than 800 fintech companies with working prototypes have been accepted on the Innotribe start-up challenge, which launched in 2011 and provides networking, mentoring and the chance to win $50,000. Vandenreydt joined Swift in 2004, becoming head of its markets unit covering payments, securities, foreign exchange and trade finance in 2012. Taking on the additional responsibility of Innotribe puts Vandenreydt at the heart of the fintech sector. He is collaborating with start-ups to help rejuvenate financial institutions non-electronic payments processes.
Innotribe 2014 challenge winner, KlickEx, a currency exchange service, is working with Swift on potential partnerships, and nine of the 152 businesses attending Innotribe showcase events this year have developed payments technology.
Eric Van der Kleij
Head, Level39, Canary Wharf Group, London
Van der Kleij, 53, runs Level39, Londons most influential accelerator space for financial technology start-ups, and is preparing to cement his position at the heart of the UK fintech industry through his involvement in the setting-up of an industry body for the sector.
Van der Kleij was instrumental in the creation of Level39 by property developer Canary Wharf Group in March 2013. One year on and it boasts 87 member companies, has hosted more than 200 events and expanded from the 39th to the 42nd floor of One Canada Square. It offers affordable office space and mentoring from executives at banks, law firms, private equity firms, consultants and technology vendors. Level39 brings together innovative fintech entrepreneurs and financial buyers such as venture capitalists, investment bankers, investors and hedge funds.
Van der Kleij, a Dutch national born in Johannesburg and raised in South Africa and the UK, was previously chief executive of government-backed Tech City UK, which aims to nurture Londons technology companies. He was also the founder and chief executive of Adeptra, which automates credit card detection and was sold for $115 million in 2012. He loves to cook and his favourite book is The Master and Margarita by Mikhail Bulgakov.
Simon Walker
Partner, Taylor Wessing, London
Walker, 58, has made his name advising on investments and acquisitions in the financial technology sector, many involving large corporates investing in the sector and venture capitalists. Deals include advising online energy marketplace Open Energy Market on fundraising and Moni, a peer-to-peer money transfer app, on a number of fundraisings.
Walker was the driving force behind Taylor Wessings decision in 2013 to open a dedicated office in Londons Tech City, which holds open sessions three days a week advising fintech companies on anything from employment law to patents. He has also raised the City law firms profile within Londons emerging tech scene with the creation of a Tech Focus website providing information to young technology companies, which gets about 5,500 hits a month. Walker, a member of the British Venture Capital Associations technology committee, joined Taylor Wessing in 1997 and worked on the firms first venture capital investment a year later. He is a keen rugby player.
Andrew White
Founder and chief executive, FundApps, London
Irish-born computer scientist White founded FundApps targeting the investment management industry in 2010 with technologist James Crowley. The firm, which has doubled revenues annually since launch, provides a suite of services, including cloud-based software that helps fund managers ensure their portfolios are compliant with the slew of regulatory requirements hitting their industry. Clients include one of the five largest hedge funds by global assets and a large European bank.
Users upload their portfolios to the FundApps platform, where they are automatically checked against all relevant restrictions. The firm receives legal information in text format from law firm Allen & Overy and then transforms it into powerful algorithms which it uses to monitor portfolios.
Whites 15 years designing and product managing cutting-edge software solutions include working at asset management software provider Aquin, now part of State Street-owned Princeton Financial Systems.
Derek White
Chief design officer, Barclays, London
US-born White, 40, has been instrumental in creating Barclays fintech accelerator, as well as leading a new team with the mandate to create innovative digital products for retail and institutional clients. The team of engineers, designers, data scientists and product managers was behind the development of Pingit, an award-winning mobile payments application.
To help develop innovative fintech firms, Barclays joined forces with start-up accelerator Techstars in June 2014, offering 11 fintech start-ups a 15-week programme of mentorship from a Barclays executive, office space and up to $20,000 of investment from Techstars. Barclays can make strategic investments in the start-ups, while Techstars retains 6% as common stock.
The father of four started his career at JP Morgan Chase. He later joined Barclays through the acquisition of Juniper Bank, now Barclaycard US, and has held senior roles including managing director of strategy, business development and marketing for Barclays Africa.
Kirk Wylie
Executive chairman of the board and co-founder, OpenGamma, London
Wylie, 37, launched OpenGamma, an open-source analytics and risk management platform, in 2009, having become frustrated developing a front-office market risk system at Belgian bank KBC Financial Products in 2006. Aware of the adversarial relationship between big financial institutions and their software vendors, Wylie set up OpenGamma as a new style of technology vendor, offering clients, which include clearing houses, banks and hedge funds, an open-source licence enabling them to replace legacy risk and analytics technology with faster, cheaper and easier to maintain solutions. OpenGammas software platform has been downloaded more than 30,000 times and the firm has raised $23.25 million in funding from Accel Partners, FirstMark Capital, Euclid Opportunities and ICAP.
Nasir Zubairi
Principal, New Buckland, London
Zubairi, 38, has spent his career at the forefront of innovation in financial technology and is a sought-after mentor and adviser in fintech. The former financial engineers latest venture, New Buckland, advises large financial services institutions, management consultancies, tech start-ups and small and medium enterprises on innovation, marketing and business growth. Zubairi was named Business Mentor of the Year in 2012 at University College Londons awards for enterprise. He mentors for several fintech accelerators, including Level39 and Startupbootcamp FinTech, and the Goldman Sachs 10,000 Small Businesses programme.
In 2010, Zubairi launched his own fintech start-up, EuroTRX, an online marketplace for invoice trading. Having sold that technology to a company funded by the Dutch government, he joined London-based payments platform The Currency Cloud. He has worked at Reuters, currency broker EBS and inter dealer broker ICAP, where he helped invent patented core trading systems.


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SPRINGFIELD – Illinois pressed ahead Tuesday toward becoming the third state to allow illegal immigrants to get driver's licenses, with the state Senate approving a bipartisan plan hours after top Republicans offered support.
The tone of the discussion – with little opposition among senators – was a stark contrast to previous years and came weeks after Republicans suffered devastating Election Day losses, which they blamed partly on failing to appeal to immigrants and minorities.
The measure, which would let illegal immigrants get tested for licenses and buy insurance without facing deportation, passed the state Senate 41-14. It headed to the House, where it faces similar reception.
A spokesman for House Speaker Mike Madigan said it wouldn't likely come up for a vote until January.
The veto session ends today.
The legislation, sponsored by Chicago Democratic Senate President John Cullerton, was presented as a way to enhance public safety and curb costs created by uninsured drivers. The licenses would look different than permanent driver's licenses and couldn't be used for other purposes, such as boarding a plane or voter identification.
"There is a cost to society when we have uninsured, untrained, untested drivers ... They're not going to self-deport. The federal government is not going to deport them. They are here," said state Sen. Bill Brady, R-Bloomington, who spoke in support of the bill. "We have to try to find some resolution to this."
He and other Republicans – including Senate Minority Leader Christine Radogno, House Minority Leader Tom Cross and former Gov. Jim Edgar – held a news conference Tuesday ahead of the vote to urge colleagues to vote for it. It was the first time some in the GOP contingent publicly voiced approval.
Washington and New Mexico allow illegal immigrants to obtain drivers' licenses.
Illinois has about 250,000 illegal immigrants who are driving without training and insurance, proponents of the measure say. Those drivers caused $64 million in damage claims each year, according to the Highway Safety Coalition, a group that supports the bill.
"At the end of the day, this is about public safety," said state Democratic Sen. Iris Martinez of Chicago.
Supporters say the temporary licenses issued would look the same as those given to people in the country legally, so police couldn't target illegal immigrants.
Vicente Del Real, a 30-year-old illegal immigrant from the Chicago suburbs, said he was relieved at the Senate's support. He has been driving without a license for several years, something he says he has to do to get to work and school.
He hopes the measure becomes a law.
"It would make me feel more safe," he said.
Proponents of the plan include Chicago Mayor Rahm Emanuel and Gov. Pat Quinn, who has said he'll sign it if it arrives at his desk.
"This legislation is about safety and responsibility," Quinn said in a statement. He estimated that Illinois motorists would save about $46 million in insurance premiums.
Opposition to the bill mainly focused on urging the federal government to do more to overhaul immigration overall.
Republicans' stance was clearly different than in previous years when the party has said that it's more important to enforce current immigration laws than strive for comprehensive reform.
But in the wake of the Nov. 6 elections, in which Democrats won supermajority control of both the House and Senate, that line of thought appears to have shifted, especially with exit poll data showing that most voters believe that there should be a pathway to citizenship for illegal immigrants working in the U.S.
On Nov. 20, the Illinois Coalition for Immigrant and Refugee Rights kicked off their campaign in support of the licenses with an event in Chicago that drew Cullerton, Quinn, Edgar and Republican Comptroller Judy Baar Topinka.
Radogno or Cross did not attend. At the time, Radogno said she had a scheduling conflict and a spokeswoman said she hadn't discussed the matter with Cross.
Asked Tuesday about their absence, Cross and Radogno downplayed the issue. Cross said Tuesday that he'd seen the bill and was supportive of it.
"It's not a new issue and it's had bipartisan engagement for five years," Radogno said. "What we see now is both sides coming together and some movement on both sides to get a product that can actually move the ball forward."
Neither addressed the point Edgar made two weeks ago – that the measure is a sound opportunity for the GOP to reach out to Latino voters.
GOP endorsement "bodes well for not only this piece of legislation, which is so important," Edgar said Tuesday. He was secretary of state in the 1980s.
"It bodes well for the whole system that we see on an important issue like this, that Republicans and Democrats are coming together and trying to find common ground."
The bill is SB957.
Online: http://www.ilga.gov

subset: commoncrawl


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moppity necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 225 diseños de 35 diseñadores freelance.
Moppity Vineyards
Moppity Vineyards is a premium Australian wine producer that comenced operation in 2004. Our vineyard is in the Hilltops region of NSW; a small, little recognised region that is rapidly emerging a source of some of Australia's truly great wines. In 2006 we made a wine that won a major award at the London International Wine Competition in 2008, which has been followed by a string of other awards. In the last 12 months, we've been the subject of increasing trade focus and media praise. The 2010 edition of The Big Red Wine Book stated that Moppity Vineyards is "a rising star of top-end Australian wine". Our range of wines varies in price from $50 to $10.
Our wines are made for premium wine consumers. We are targeting the top echelon; educated wine drinkers who aren't afraid to try something new.
We have used an "MV" logo on our wines since our first wines were released in 2005. It can be seen at http://www.moppity.com.au. We're looking to update the logo above to give it a fresher, more contemporary look.
The new logo needs to be simple enough to reproduce in a variety of formats (embossing, screen printing, embroidery etc) so try and stick to a maximum of three colours (plus white) with no 3d/shading etc. It also needs to tie in with our existing labelling; in particular the Reserve wine (again, check the website). It doesn't necessarily need to have both M and V.
Best to avoid stereotypical images of vines, leaves, grapes etc.
Overall look should be:
* premium without pretentiousness;
* contemporary but grounded; and
* classical without "old-school".
Specific guidelines:
Dark grey or black background
No 3d effects or shading
Logo should look good alone without the text
The whole should equal more than the sum of its parts - an abstract design that is more than just two letters put together. Ideally it should say something about who we are and what we stand for.
Final copy in .eps or .ai please.
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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Difference between revisions of "Year Zero Timeline"
From NinWiki
Latest revision as of 08:16, 3 December 2009
Specified Dates
2022 = Year Zero (0 BA)
BA = America is "Born Again" (presumably on 1/1/2022) Dates prior to this are indicated as negative (for example: 2007 = -15 BA)
Major Events Without Specified Dates
Source [52]
-105th campaigns in Syria, Yemen, Chad, Kashmir, former-Iran, Post-Iran, Turkey (perhaps sometime between 2010 - 2022)[53]
-Opal overtakes cocaine as predominant drug (recent? 2020-2022?)
-Mallory killed
-Natural disaster hits Miami causing it to be drowned (probably before Feb 9th 2022) [54]


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Our annual fund-raiser is here! Help EarthSky stay an independent voice.
Cor Caroli is the brightest star in the constellation Canes Venatici the Hunting Dogs. It's also called Alpha Canum Venaticorum. This star and Chara, Canes Venatici's second brightest star, are probably the only two stars you'll ever come to know within the boundaries of this tiny constellation. Follow the links below to learn more.
How can I spot the star Cor Caroli?
How did Cor Caroli get its name?
EarthSky's 2015 fund-raising campaign goes until April 16! Help keep us going.
How can I spot the star Cor Caroli? Though not bright, Cor Caroli is fairly easy to see in a dark country sky. The two stars of Canes Venatici are fairly easy to find, however, because they parallel the two end stars of the handle of the Big Dipper.
How did Cor Caroli get its name? Cor Caroli means Heart of Charles. Some say the star was named to honor King Charles I of England, who was beheaded in 1649 during the English Civil War. These sources claim Cor Caroli was labeled on old star charts as Cor Caroli Regis Martyris, or Heart of Charles the Martyr King.
Meanwhile, others say the star was named for Charles I's son, Charles II. Sir Charles Scarborough, physician to Charles II, is sometimes given credit for having coined the name. It's said Scarborough claimed the star shone with exceptional brilliance on the night of Charles II's return to England in 1660 to restore the monarchy.
A small telescope reveals Cor Caroli to be a double star. So it's easy to imagine father and son peacefully reunited in the heavens, after all their tumultuous years on Earth.
Science of Cor Caroli. Cor Caroli is a true binary star – two stars revolving around a common center of mass. The pair lies some 110 light-years away, and its two components are estimated to be 650 times the sun/Earth distance apart. One orbital period period may take as long as 7,900 years.
Enjoying EarthSky? Sign up for our free daily newsletter today!
Bottom line: The star Cor Caroli, or Alpha Canum Venaticorum, is a binary star and the brightest star in the northern constellation Canes Venatici.
Bruce McClure has served as lead writer for EarthSky's popular Tonight pages since 2004. He's a sundial aficionado, whose love for the heavens has taken him to Lake Titicaca in Bolivia and sailing in the North Atlantic, where he earned his celestial navigation certificate through the School of Ocean Sailing and Navigation. He also writes and hosts public astronomy programs and planetarium programs in and around his home in upstate New York.


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Twice a month on Shabbat mornings, Temple Sinai members gather in Rabbi Vogel's at Temple Sinai study to discuss the ideas presented by the week's Torah portion. We begin with a light breakfast and a bit of singing, and then study the text in English. You need not have any prior study of the Torah or Hebrew knowledge, simply an interest in considering the Torah portion as it relates to our contemporary experiences or those of Jews in previous generations before us. All are welcome for this friendly exchange of Jewish ideas! Come just once to try it out. The class takes place the second and fourth Saturday mornings of the month, 9:00 a.m. – 10:20 a.m. at Temple Sinai, 50 Sewall Avenue, Brookline.
All are welcome.+ More... - Less...
Fact Sheet
Saturday, November 12, 2016, 9:00 am - 10:20 am
Saturday, November 26, 2016, 9:00 am - 10:20 am
Saturday, November 26, 2016, 9:00 am - 10:20 am
Temple Sinai
50 Sewall Ave
Brookline, MA 02446
50 Sewall Ave
Brookline, MA 02446
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My paternal grandmother, Marilyn Mulcahy, whom I called Nan, died when I was 4, so I unfortunately don't remember her well, and most of what I know about her I know in an intellectual sense, not a relational sense. But there's one way in which I've always felt connected to her, and that was through reading.
My dad used to tell me that I was the only person he knew - other than his mother - who would read the same book more than once. It was clear to me that Nan and I were somehow the only people with knowledge of an incredibly obvious secret: if you can watch your favorite movie more than once, and watch reruns of your favorite tv show, and listen to your favorite song multiple times, why on earth wouldn't you read your favorite book (or 10) every year or so?
Being known for reading could be something of a curse for an elementary school student. A friend of mine spread the rumor that she had found me reading the dictionary, and I was made fun of for it, despite my protests. (It wasn't that I had any theoretical objection to reading the dictionary, it was just that she had never seen me do it - of that I was certain.) I had a tendency to read in places that my classmates didn't consider socially acceptable - like the bus, and the playground, and the lunch line - and places my teachers didn't think were appropriate - like under my desk while they were teaching. I was so known for being a reader that I spent years where my relatives' go-to conversation starter was "So have you read any good books lately?" (Given how often I reread books, this did not often lead to new and interesting conversations, and I struggled with how to respond.)
But being known as a reader could also be a boon, one I wouldn't fully appreciate for several years. Nan's sister, Aunt Betty, showed up at a family party when I was about 10, and gave me some books that my grandmother had read when she was younger. I received Nan's own copies of several books, with her name in them (as well as some scribbles and notes left when the much younger Betty tried to imitate her sister in reading a book she was otherwise uninterested in). I certainly appreciated being the recipient of those books.
Aunt Betty also relayed just how Nan had utilized her reputation as a reader: apparently as a girl she was so quiet, well-mannered, and well-behaved, and so content to sit and read while grown-ups went about their business that her parents would take her along to places that kids wouldn't otherwise have been invited to. I'm told that this worked out well until she was one day caught sitting there "reading" - with the book upside down, taking in the grown-up conversation around her! (This was something I always kept in mind but - unfortunately - never had the opportunity to emulate.)
Wednesday, May 30, 2012
118th Carnival of Genealogy: Reading!
4 comments:
- Jasia said...
Oh what a cute story about being caught "reading" the upside down book. How fun! And what a great gift you received from your Aunt. True treasures! Thanks so much for sharing and contributing to the COG, Kathleen!
- June 3, 2012 at 9:00 PM
- J.M. said...
Lovely post! And loved the anecdote about your grandmother :D
- June 4, 2012 at 3:24 PM
- Kristin said...
Your grandmother probably overheard some interesting conversations before she made that fatal mistake. Nice to receive her old books!
- June 4, 2012 at 6:53 PM
- Joan said...
My personal favorite in this post was telling about reading under the school desk! That is a dedicated reader. Nana would be proud of you.
- June 7, 2012 at 5:43 PM
Subscribe to: Post Comments (Atom)


text: Find this wine Find this wine Northstar Merlot 2005 3/1/2013 burnt rustic color with very rich smell. More cab than merlot smell. Smooth great tasting wine. Columbia valley Pin It Tweet 5 years ago by Jagodedge More posts Northstar Merlot Columbia Valley 2009 $27 8.5 merlot + cab + petite verd 5 years ago by Christinekidder Northstar Merlot Columbia Valley 2008 Rich deep flavor best merlot 5 years ago by Sonyabd Northstar Merlot 2008 Very interesting merlot from Washington. 6 years ago by Matteopastori Northstar Merlot 2006 Rich, dark concentrated. May be past peak flavor. 89 6 years ago by Njfrankel Northstar Merlot 2004 Vin facile ! Rond, fruité mais pas très complexe ! Ne vaut pas son prix ! 6 years ago by Bob L.


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Amazing Alex is the new game from Rovio -- they make Angry Birds, maybe you've heard of it? -- and it's coming to the App Store tomorrow, July 12. It's a physics puzzler, which is right in Rovio's wheelhouse, and if it's anywhere nearly as compelling as Angry Birds, it will no doubt cost lots of us lots of sleepless nights.
There will be 100 levels and the ability to make and share your own levels, as well as the type of free updates Rovio made famous with the various Angry Birds apps.
The trailer is up top, and the game is only 24hrs away. (Tiny Wings 2 and Tiny Wings HD arrive the same day -- plan your weekend accordingly!)


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2013 Lexus RX450h, Reviews, News, & Model Prices – Automobile Magazine
2013 Lexus RX450h
By Automobile Magazine 1/31/2013
What's New for RX450h in 2013
An F Sport model is new. In addition to its firmer suspension, shift paddles, and standard all-wheel drive, it gets an eight-speed automatic and a more-aggressive-looking front end. All RX models get a bit of a nose job this year to accommodate the brand's new ?spindle? grille. The cabin is revised, as are some options packages. more
The name Lexus is synonymous with beauty and luxury. The 2013 Lexus RX450h is no exception to this rule of exceptional beauty and luxurious performance. For people who would like to have the convenience and luxury of a sedan but need the cargo capacity and ruggedness of an SUV, this crossover is an outstanding choice.
Having the name alone commands a higher resale value making ownership a good choice on many levels. Adding the hybrid option helps improve the mileage and supports the green initiatives that are in place today although some consumers may not appreciate the increase in price to accommodate the hybrid feature. Available in both front and four-wheel drive gives the consumer added versatility dependent upon his needs.
The Lexus RX450h has a new grille to give it a more decisive appeal, but otherwise very similar to earlier designs and a cast of imitators of this style vehicle. A steep slope rear window design helps the Lexus stand out from its many imitators. Hybrid models are also labeled separately with a blue badge on the front. Eighteen-inch wheels are standard while the sports packages and extra packages have 19-inch wheels.
It is a very streamlined look that even the pickiest consumer find very attractive and aerodynamic. There are three trim levels available: the RX350, the RX 350 F Sport, and the RX450h.
Interior Cargo
When looking inside the Lexus RX cabin, a convenient feeling with a polished look and American sophistication is apparent. Plush seats are available as well as power tilt and telescoping steering wheels. The nine-speaker basic audio system, which includes AM/FM satellite audio and a six-disc changer with auxiliary input, is inspiring. Seating and legroom is generous for a five-passenger crossover vehicle of this size, even accommodating for the rear passengers.
The reclinable rear seats are just as easily able to be folded out of the way to accommodate cargo or left in place to accommodate passengers. Additional storage in the front of the vehicle that includes dual power outlets will be a plus for the electronically minded consumers of today. When the rear seats are folded down interior cargo capacity is a very healthy 80.3 cubic feet.
With the rear seat in use, the passenger volume is 100.9 cubic feet. Some people who are accustomed to a larger vehicle may miss the third-row seat, which is absent in this model. Towing capacity of up to 3500 pounds is standard. Dual-zone automatic climate control is always a great standard feature to ensure the comfort of the driver and the passengers.
The power rear door is an excellent feature for the soccer moms who need to be able to juggle lots of groceries and gear without having to hassle with opening the rear hatch by hand. Optional upgrades can include color LCD displays for the driver's pleasure and a dual-screen rear entertainment system to be enjoyed by the passengers whether they are traveling across town or across the country.
The audio system can be upgraded to a 12-speaker system and include the Lexus Enform suite of apps for streaming music and OpenTable app for making restaurant reservations and many other travel related features. For cold weather drivers. The optional heated wood and leather-trimmed steering wheel is a fantastic comfort feature.
Drivers who spend a large amount of time in city traffic would consider the upgrade of the smog-censoring recirculating climate system to be a huge plus for health benefits.
As is typical with most new vehicles front, knee, side, and side curtain airbags are standard features. Adaptive front lighting and traction control are standard. Anti-lock brakes and a backup camera are also standard features. Adding the optional adaptive cruise control will give the driver pre-collision warnings and additional braking power. The RX450h Hybrid models feature the Vehicle Dynamics Integrated Management system for improved traction control.
The Lexus Safety Connect telematics system will include a one-year subscription for collision response.
Driving Experience
The expectations of a driver of an SUV crossover vehicle will not be disappointed with the Lexus RX450h. It handles and drives admirably for a vehicle in its price range. Engine options include a 3.5-liter V-6 with 270 horsepower and 248 lb-ft of torque.
Also available is a 3.5-liter V-6/electric hybrid at 295 horsepower for the ecologically minded consumer. The combination of a six- or eight-speed, continuously variable, automatic transmission with a towing capacity of up to 3500 pounds gives this vehicle plenty of pep for the average consumer. The direct-downshift control allows for rapid shifting when needed from sixth to third, or fifth to second, skipping gears for a more instantaneous response in an emergency situation.
This vehicle is available in either a front or four-wheel drive configuration depending upon the needs of the consumer. A generous 32/28 mpg city/highway is expected for this vehicle. Overall, it performs well for a vehicle in its class and is worth the price tag and will hold its value better than some of the other imitators of this class vehicle.
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Indicative Rate * AU$120 to AU$495
Vibe Hotel Gold Coast is centrally located in the midst of Gold Coast lifestyle, opposite the Chevron Renaissance Village, just a block from Cavill Avenue, the heart of the Gold Coast shopping district and overlooking the picturesque Nerang River. The 199 hotel rooms have spectacular views, and is moments away from sandy beaches and the Esplanade.
The hotel has an outdoor pool with heated spa, seasonal pool bar and gymnasium. Take a seat in Curve Restaurant + Bar, or retreat to the privacy and comfort of your spacious hotel room. The 'Big Three' amusement parks, Sea World, Warner Bros. Movie World, and Dream World, are a short drive from the hotel. Wildlife parks, museums and galleries are also conveniently close.
Vibe Hotel Gold Coast specialises in conferences, meetings, seminars, and team-building exercises. The four versatile meeting rooms can accommodate up to 100 people theatre style.
The riverside setting and friendly service blend to create a perfect venue for your Gold Coast getaway.
Vibe Hotel Gold Coast offers free wi-fi to all your travellers.
Overlooking a picturesque sweep of the Nerang River and with views to the east of the sparkling ocean, or west to the Gold Coast Hinterland, their Deluxe View Room features a King Bed and a kitchenette and balcony making it the perfect base for your stay on the Gold Coast.
Studio room offers a separate living area with kitchenette, balcony, ironing board and hairdryer, in room safe, tea and pay movies (fee), broadband. Perfect for two adults and two small children (children accommodated at additional cost).
One Bedroom Apartment s are ideally suited to the leisure and corporate traveller with balcony and views of the sparkling ocean or Gold Coast Hinterland. They are spacious and comfortable apartments that feature fully equipped kitchen, separate living room, balcony, iron, ironing board and hairdryer, in room safe, tea and coffee making facilities, pay movies (fee), broadband internet and mini bar.
Overlooking a picturesque sweep of the Nerang River and with views to the east of the sparkling ocean, or west to the Gold Coast Hinterland, their Guest Room at Vibe Hotel Gold Coast makes an ideal base for your stay in Surfers Paradise.
Note: Information on listed products and services are provided by the operator and were correct at the time of publishing. Rates are indicative based on the minimum and maximum available prices of products and services. Please visit the operator's website for further information. All prices quoted are in Australian dollars (AUD).


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Apple Inc. plunged the most in more than two years after posting the slowest profit growth since 2003 and the weakest sales increase in 14 quarters, fueling concern that mounting costs and competition may curtail growth.
The shares dropped 9.7 percent to $464.08 at 10:37 a.m. in New York, and earlier touched $450.66 for the biggest intraday decline since May 2010. Fiscal first-quarter profit rose less than 1 percent to $13.1 billion, or $13.81 a share. Sales climbed 18 percent to $54.5 billion, compared with 73 percent growth in the same period a year ago.
Yesterday's results underscored the rising costs of product overhauls amid competition from Samsung Electronics Co. in the saturating smartphone market. Even as Chief Executive Officer Tim Cook guided Apple to record revenue and iPad and iPhone sales, investors worry about management's ability to keep producing hit products more than a year after the death of co- founder Steve Jobs.
"People are concerned about how quickly sales are falling off after the initial product launches and whether the company can deliver new and interesting products to reignite growth," said Walter Piecyk, co-head of research at BTIG LLC in New York.
Apple suppliers also declined. Assembler Hon Hai Precision Industry Co. dropped 2.9 percent in Taiwan and speaker-maker AAC Technologies Holding Inc. plunged 6 percent in Hong Kong. Samsung, which makes chips for Apple, fell 1.4 percent in Seoul.
Suppliers Tumble
Circuit-maker Cirrus Logic Inc. retreated 8.4 percent to $27.43 at 10:37 a.m. in New York, while Fusion-io, a producer of flash-memory, decreased 2.8 percent to $20.91.
At least 15 analysts cut their price estimates for Apple shares. The average target is $656.79, down from $716.94 the day before the earnings report, according to data compiled by Bloomberg.
Apple introduced the iPhone 5, iPad mini and a restyled Mac to draw customers in time for the first fiscal quarter, typically its most lucrative.
The company's share price decline has shaved about $175 billion from its market capitalization since a September peak and means the company may lose its status as the world's most valuable company to Exxon Mobil Corp. Apple fell in extended trading to as low as $457.30. The shares rose 1.8 percent to $514.01 at the close in New York yesterday, leaving it with a market value of $482.7 billion, compared with Exxon's $413.5 billion.
Copyright 2014 Bloomberg. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.


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This unit consists of five activities, all of which focus on the response of plant life-cycle events to climate change. Students participate in discussions, field observations, data collection and analyses, plant identification, seed dispersal... (View More) comparisons, and graphing and analyses of plant phenology (timing of life-cycle events). Project BudBurst, a citizen science project which studies the impact of climate change on phenology, is integrated into this unit. The unit is one of four under the Chicago Botanic Garden curriculum entitled, "Climate Change in My Backyard." (View Less)
Materials Cost: 1 cent - $1 per group of students
Using the 5-E model, these lessons introduce planets, planetary systems, star types, exoplanets, transits, light curves, and the Planet Hunters citizen science project. Supplemental materials include data/image sheets. Next Generation Science... (View More) Standards (NGSS) are identified. (View Less)
Materials Cost: 1 cent - $1 per group of students
This series of ten lessons has been developed to teach students about local and global water issues. They are based on NASA's Global Precipitation Measurement (GPM) Mission. The activities are done largely outdoors and include scientific data... (View More) collection and analysis and integrate technology. Many of the lessons involve data collected based on protocols from the GLOBE Program. Each lesson is designed to take one hour; the lessons build on each other, but can also be used independently. Each lesson topic includes a lesson plan, PowerPoint presentation, student capture sheet and capture sheet answer guide. (View Less)
Materials Cost: $5 - $10 per group of students
Each lesson or activity in this toolkit is related to NASA's Lunar Reconnaissance Orbiter (LRO). The toolkit is designed so that each lesson can be done independently, or combined and taught in a sequence. The Teacher Implementation Guide provides... (View More) recommendations for combining the lessons into three main strands: 1) Lunar Exploration - These lessons provide a basic introduction to Moon exploration. Note that this strand is also appropriate for use in social studies classes. 2) Mapping the Moon - These lessons provide a more in-depth understanding of Moon exploration through the use of scientific data and student inquiry. The lessons also include many connections to Earth science and geology. 3) Tools of Investigation - These higher-level lessons examine the role of technology, engineering and physics in collecting and analyzing data. (View Less)
Materials Cost: $1 - $5 per group of students


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Hello, after several time googeling the web, I could not find any answer to my questions !!!In fact, I would like (as test purpose for the moment) have a linux box based on a VIA Artigo pico http://www.via.com.tw/en/products/embedded/artigo/index.jsp. On that box, I run apache and Tomcat (Java container) and publish web pages. On the USB, I connect an ARDUINO board with a sketch on it.What I would like is to have some JSP on the VIA box so that a user can change values and check values to/from the ARDUINO board.Is it possible, does anyone has done that before ?Many thanks for help.
Many thanks, just a few more questions :I am running 2.6.22 linux kernel ( a light one, recompiled without a lot of unnecessary bits). This works perfect in a network standpoint (Apache/Tomcat).I have installed the arduini soft and driver and I can see the Arduino board. Is that driver enough our shall I use another one ?In fact, once I have the USB/Serial driver installed, can't I use the java.io API to send command directly to the /dev/TTYsx interface instead of the JNI + Low level C driver ? (A bit like the serial monitor of the arduino software does).In this case, I can send value to the arduino board from my JSP pages and I need to update the arduino sketch to send all the needed values to the Linux driver.Many thanks


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Janet Martin loves to add a dash of honey to your commute.
The CTA customer service agent greets many Brown Line riders with a "honey" and asks them about their day. If they need help getting to the platform, she's always there with an extra hand.
The riders at the Kedzie stop in Albany Park, where Martin works from 6-9:30 a.m., don't just like her. They adore her.
In a post last week on everyblock.com, a Chicago neighborhood discussion board, riders heaped praise on Martin, who has worked at the Chicago, Western and Addison stops in the past few years.
"She's awesome—she remembers everyone too! She notices if you've been away: 'Honey, how have you been? I haven't seen you come by in a while!'" posted Nisha Elliott, 26, of Lincolnwood.
Said another rider: "I wish the CTA could clone her and use her throughout the system. People would love to ride! … Fortunately Kedzie folks have her and love her and she loves us."
Consider that discussion thread an early anniversary present. On Friday, Martin will mark 16 years with the CTA. She said she started at the agency as a conductor at the Howard stop on the Red, Yellow and Purple Lines.
Martin, 52, said she plans to celebrate her sweet 16 by relaxing and working out on her day off. (CTA employees get the day off on their work anniversaries.)
Martin said her favorite part of working at the CTA is meeting and interacting with riders, especially those from out of town. Martin said she likes to show visitors how to ride the CTA and guide them on which Chicago sights to see.
"That's just showing you care, and that's what I love to do," said Martin, who lives in the Illinois Medical District.
The Everyblock post is not the first show of support for Martin. A Lakeview rider praised Martin's warmth three years ago in a letter to Going Public.
When GP met with Martin in May 2009, she was working at the Addison Brown Line stop and finishing training for the Rock 'n' Roll Chicago Half Marathon, which she completed in 3 hours, 22 minutes and 40 seconds to celebrate her 50th birthday.
For now, she's focusing on celebrating her milestone with the CTA. She hopes there will be more anniversaries to come.
"I'm a Brown Line girl," Martin said. "I'm not going anywhere."
Patty bus
Miller Lite is offering free shuttle service Sunday for the scheduled South Side Irish Parade and March 17 throughout downtown for St. Patrick's Day festivities. Go to millerlitefreerides.com for routes and times.
Play it again
"El Stories," a series of performances of real-life commuter tales, runs Saturdays at the Greenhouse Theater, 2257 N. Lincoln Ave. Tickets are $15 at greenhousetheater.org.
The rail Chicago
The Illinois Railway Museum is hosting a tour of CTA lines and yards at 8:45 a.m. March 25, starting from the Harlem/Lake Green Line stop. Tickets are $42 at irm.org. The excursion is a fundraiser for the museum, which is trying to buy a pair of CTA cars slated for retirement.
A weekly dispatch from a CTA station of note
This week: Central Park Pink Line
The artwork inside the entrance of the Central Park stop puts the "lawn" in North Lawndale. The eight-year-old mosaic, called "Cannas and Corn: A Garden Community," features residents turning weeds into wildflowers. Under the title of "hope," there is a picture of carrots, and the theme for the work is: "some seeds go deep." From the station platform, art lovers can also see another street scene mosaic on a nearby building.
Next up: California Blue Line.


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No matter the wrestling video game, it seems players always want to be WWE Legends like Hulk Hogan and the Ultimate Warrior. This hunger has been satiated in the past with unlockable characters in the SmackDown vs. Raw series and the standalone (yet lackluster) WWE Legends of WrestleMania. Now, the big names of yesteryear are back alongside some of the current headliners in WWE All Stars.
An arcadey, over-the-top look at Sports Entertainment, WWE All Stars is fun but some annoyances keep it from being a main eventer.
There are 30 WWE characters in WWE All Stars, and they range from Legends such as Ricky "The Dragon" Steamboat and Mr. Perfect to current Superstars such as Triple H and Randy Orton. The fact that so many of these people have already appeared in SmackDown vs. Raw might seem like a turnoff, but WWE All Stars goes out of its way to not look or feel like the simulation franchise SVR is.
Here, characters are action figure versions of themselves with gigantic torsos and booming biceps. Moves are the trademarks you'd know from watching folks like the Rock and Jake "the Snake" Roberts, but they're embellished with flips, leaps into the sky, and bone-crushing impacts that would destroy mortal men. When I heard about WWE All Stars, I was told it plays as if a little kid was describing a match he watched last night. That description rings true with the final product, and it makes for a really stunning game.
The colors are bright and beautiful, seeing stars like Rey Mysterio soar dozens of feet in the air made my friends and I scream in amazement, and I'd much rather see this revved up and ready Macho Man action figure spinning through the air than the "realistic" interpretation I've seen before. WWE All Stars has a great style. Of course, the PSP version isn't as sharp as its HD brothers, but the cartoony visuals still work and look good on the widescreen.
WWE All Stars also has a great concept for gameplay, but I think the control scheme trips it up. There are strike and grapple buttons, health bars, finishing move meters and a bunch of other stuff that's simple for a player to look at and understand. That's groovy. Being able to get in and do an awesome powerbomb or charge up a punch is rewarding and how a game designed to capture an audience lured in by Rowdy Roddy Piper should play.
That's basically the WWF No Mercy N64 control scheme at face value, but then things start getting complicated. Running at the ring doesn't let you slide into the ring; there's another button for that. There's one button to block strikes and another one to block grapples but neither works unless you're holding the left shoulder button, but that's not the easiest thing to explain to someone just looking to jump into the fun. Once your finisher meter is full, you tap buttons to set off a taunt that activates it, but if you're punched during the taunt you lose it, and people rarely stay down all that long, but there's a way to hold the buttons to taunt and have the guy get up into a dazed state that automatically trig--
I'm not making this up. This is supposed to be pick up and play.


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HTheory needed a new logo design and created a contest on 99designs.
A winner was selected from 45 designs submitted by 17 freelance designers.
ATS Solutions
ATS Solutions offers a full range of business advisory and planning services to start up and emerging growth companies seeking funding from investors. We do everything from writing business plans and proposals to business analysis and strategy development. We do not have a website yet as that is in the works.
Our target audience is start up and emerging growth companies who are seeking funding from investors. These companies come to us for help in presenting themselves to potential investors in hopes of raising the money they need. These companies are mostly start-ups and smaller businesses that need the funding for start-up costs and product development.
The logo should read "ATS Solutions" and underneath should be the tagline "The Right Way To Get Funded"
I'm totally open to any ideas for the design and am looking forward to see what the great designers come up with here.
I really like the designs here:
They are really smart and make you look twice. I like how an idea is incorporated into the actual text in a lot of those logos. Maybe try doing something with the "ATS" part?
Find out how a design contest works or learn more about our logo design services.


text: Home / Products / Chandelier 9Lt Larger View Rollover to Zoom Close Visualize Kichler lighting and Sherwin-Williams paint all in one tool. Today's homeowners have seemingly unlimited options when it comes to colors and finishes. With so many possibilities it can be daunting to find just the right match. Not any more. Match your lighting and your wall color with our intuitive visualization tools. Choose your Sherwin-Williams Color Family Color palette belongs to Sherwin-Williams, a registered trademark of the Sherwin-Williams Company. © 2013 Sherwin-Williams Company. All rights reserved. Chandelier 9Lt 42003PN (Polished Nickel) bvseo_sdk, net_sdk, 188.8.131.52 CLOUD, getAggregateRating, 156ms REVIEWS, PRODUCT bvseo-msg: The resource to the URL or file is currently unavailable.; Product Description: The striking Palla™ Collection by Kichler® is the essence of contemporary with sleek, smooth lines, a unique fluted center column and mirrored Polished Nickel finish. Its sweeping profile, powerfully dense arms and attractive White-Etched glass shades make a bold statement. This 2 tier, 9 light chandelier is 37 inches in diameter, has a body height of 30 inches and an overall height of 104 inches. It comes with 50 inches of extra lead wire and 6 feet of chain. It uses 60W max (C/K) krypton bulbs (included). For additional chain order 4901PN. Shop, Buy or Order Locally Submit Lighting Showroom Landscape Lighting Distributor Electrical Distributor Available online at these fine retailers! Technical Information Lamp Included:IncludedWeight:27.5LBSLead Wire Length:50"Diffuser Description:WHITE ETCHED GLASSChain/Stem Length:72"Safety Rated:DryBase Backplate:6.5 DIADual Mount:NoPatent:US Patent PendingLight Source:IncandescentSocket Base:CandelabraNumber of Bulbs:9Lamp Type:KRYPTONMax Watt:60WWidth:37"Height:30"Finish:Polished Nickel Related Documents:Instruction Sheet 42003-CBDownloadInstruction Sheet 42003-USDownloadHigh Res Images 42003DownloadSpec SheetDownload bvseo_sdk, net_sdk, 188.8.131.52 CLOUD, getReviews, 0ms REVIEWS, PRODUCT bvseo-msg: The resource to the URL or file is currently unavailable.;


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The presence of West Nile virus in mosquitoes continues to increase in San Bernardino County, vector control officials announced Friday.
West Valley Mosquito and Vector Control District report eight more mosquito samples from Ontario and Montclair tested positive for the virus. The tests were conducted on Thursday.
And a week after vector control districts officials predicted there would be a continued activity in the virus, they have once again issues a warning for the public to protect themselves.
"It's bad, basically West Nile virus is spreading and I don't want anybody to get it," said Min-Lee Cheng, director of the district said.
To help raise awareness and prevent anyone from getting the disease, Cheng said district staff have attended recent outdoor concert events in Ontario and Chino Hills to pass out towelettes with insect repellent. District board members have also passed out the items at events in Montclair.
Cheng said the goal is to show the public how easy it is to use the towelettes to apply repellent.
The Ontario samples were collected near Vineyard Avenue and Riverside Drive; Fourth Street near Benson Avenue; Carlos Street near Mission Boulevard; and Walker Avenue near Philadelphia Street, officials said.
In Montclair, the trap was near San Bernardino Road and Helena Avenue.
Josh Dugas, program manager for environmental health at San Bernardino County, said they have not detected any West Nile virus in the San Bernardino area.
People are advised to make sure their door and window screens are in good repair. "Green" swimming pools and standing water are breeding grounds for mosquitoes and should be dumped or cleaned, Dugas said.
The recent rains can serve as a reminder to people to check their yard for any areas that has collected water, he said.
The first trace of the virus in San Bernardino County this year was in Ontario on June 27.
Statewide there has been one human case, 396 mosquito pools and 155 dead birds that have tested positive for the virus in 2013.
To report green pools, standing water or mosquito problems in Ontario, Montclair, Rancho Cucamonga, Chino and Chino Hills, call 909-635-0307 or go online to wvmvcd.org. Elsewhere in San Bernardino County, call 909-388-4600.


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Rejoice, Android-using newsies! The New York Times has finally released an official app for the Android Market. And it looks terrific.
The layout actually seems not all too different from the iPhone version: you're greeted with a list of articles and thumb images. You can swipe down on a section title to choose from the 28 available sections or browse using the menu button, and once you're in an article you can navigate to other stories by swiping right or left.
It's free, so go get it if you're rocking Android 2.0 or higher. Otherwise, go get a new phone. Then go get it. [Android Community via Twitter]