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He bit into some Nigerian spam - to fight it
Published 4:00 am, Thursday, March 13, 2008
Martin Lee knew all the reasons you shouldn't respond to spam e-mails. As a software who studies how to block such messages, he'd warned against answering them himself. But he couldn't resist.
Lee was struggling to figure out how to stop an especially persistent form of spam - the type that informs recipients they've won the lottery or are sought for a new job, which can masquerade as legitimate e-mails and evade spam filters.
As Lee pored over the messages, he wondered who was sending them and who would be tempted to answer them. And he decided to find out - by engaging the scammers in their own game.
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For his fake persona, he drew inspiration from Mr. Benn, a cartoon character from the BBC program he had watched as a child, a businessman who would change out of his suit and bowler hat and have adventures dressed as someone exciting - a zookeeper or a knight.
"I thought this was a nice metaphor for my scam victim," said Lee, who works for MessageLabs, a company in Gloucester, England, that monitors e-mail traffic for corporations.
He created a new identity, complete with mother's maiden name and bank account number. And in early December, Mr. Alistair Benn began replying to messages.
For weeks, he chatted with various spammers on e-mail and over the phone, first as the winner of the Pepsi lottery, then as a new collections agent for "Ricoh Co. Limited Product & Manufacturing (RCL)," which he was told was based in the United Kingdom.
But in January, the charade went too far for his liking.
That's when Mr. Benn picked up his postal mail and found an authentic-looking check drawn on the Bank of America from WGBH - a public broadcasting station in Boston - for $78,000. He was directed to deposit the check, keep 10 percent for himself and quickly wire the rest of the money to Hong Kong to what appeared to be a legitimate address.
Had Lee followed those directions, he would have been out about $70,000. The check would have bounced several days later, at which time the bank would have expected him to cover the amount, and any money he had wired to Hong Kong would have been long gone.
Instead, he called law enforcement and WGBH. "I've never had a check of that amount in my hand before," he said. "It was an extremely high-quality fake."
The law enforcement agencies involved - the Royal Canadian Mounted Police, the U.S. Postal Inspection Service and the U.S. Department of Justice - won't comment on the case or even say whether it is being investigated.
A spokeswoman at WGBH, however, confirmed Lee's account. The station lost no money, she said, and doesn't know how it became involved in the fraud.
Meanwhile, Bank of America wouldn't comment on the case but as a rule warns people not to answer such e-mails or wire money to people they don't know.
West Africa link
Lee never learned who the spammers were, but the e-mails he was able to trace came from Internet addresses registered in West Africa.
Billions of dollars in high-quality fake checks are moving in and out of Nigeria and through Canada and the United States, said Jonathan Rusch, deputy chief in the fraud section of the Justice Department's criminal division.
Since January, the U.S. Postal Inspection Service - working with U.S. Customs and with authorities in Nigeria, Canada and Britain - has seized more than 600,000 bogus checks with a face value totaling $2.5 billion. For a victim of Nigerian fraud, the median loss - calculated in 2006 by the FBI's Internet Crime Complaint Center - was $5,100.
According to California statistics on Internet crime, check fraud accounted for 5 percent of the state's incidents reported in 2006, with a $3,750 median loss per complaint.
In the Bay Area, where housing costs are high, such scams commonly involve "roommates," said Kristine Kearney, a spokeswoman with the Postal Inspection Service in San Francisco. A potential roommate sends a check, you deposit it, a "tragedy" occurs in the person's life, and now he or she wants part of the money back. People who sell items on eBay and Craigslist also are vulnerable to scammers who offer them checks for more than the item is worth.
"Any way they can send you a check and get you to wire money, they will do that," she said.
Nigeria-based fraud cases are hard to prosecute because they cross national boundaries and communication channels - Internet, mail and phones, said Louis Robertson, a corporal with the Royal Canadian Mounted Police. The scams are creative - like the e-mails circulating last year for six months that asked for $25 to support a litter of cute puppies - and the stories change frequently.
"I hate to say it, but they've found the perfect financial crime," Robertson said. "There's no violence, no blood, no gun." He figures the scams generate $3 billion per year.
And while authorities have highlighted Nigeria as one source of concern, the problem is by no means isolated.
Mr. Benn was crafty
When he created his alter ego, Lee was careful to use details he thought would prevent Mr. Benn from being detected or traced.
Like the spammers, he got a disposable, Web-based e-mail address - he used Gmail, while the spammers used Yahoo and Hotmail. He masked his phone number using a service in England that allows people to route calls from anywhere in the world through a local phone number. He studied the appearance of bank account numbers to create a realistic-looking fake account.
And he fabricated what he thought was a plausible life story for Mr. Benn - "recently separated from his wife, living in a small flat ... a bit dim but very eager to please. I imagined he wasn't too sure about the stability of his employment," Lee said.
The lottery scam petered out quickly - Mr. Benn didn't want to wire 200 pounds to cover the cost of receiving his 1.5 million euros in lottery winnings - but the Ricoh job scam played out over a couple of months.
At first, the conversations seemed friendly. "Give me your banking details. Merry Christmas!" said a representative for Ricoh at the end of one phone call.
But when Mr. Benn called a Toronto phone number to collect money for Ricoh from a customer called Dr. Paul Woods, the tone of the conversations changed.
"He sounded scary," Lee said.
When Lee asked the man how much he could pay Ricoh, he responded in a heavily accented voice: "$78,000."
Soon after, the check arrived, and Lee decided he'd taken his research far enough.
Lessons learned
MessageLabs did learn more about how to block spam because of Mr. Benn's adventures. Lee was able to identify the Internet codes that indicate an e-mail originated in West Africa, and MessageLabs now flags those files for testing before forwarding them to customers.
In the case of Dr. Paul Woods, however, the e-mail was untraceable. His location could have been anywhere.
Lee hasn't heard from the spammers - he figures they wouldn't risk revealing their own identities to expose Mr. Benn. But he remains impressed at how widespread their network was.
If someone says you've won the lottery, he said, "delete the e-mail. It's never true."
-- Hear a scammer get scammed -
go to the online version of this story at sfgate.com.
Don't get faked out
Bogus check schemes are among the most popular scams, according to the U.S. Postal Inspection Service and National Consumers League, which remind you never to wire money to people you don't know. For more information, go to:
U.S. Postal Inspection Service: www.fakechecks.org
National Consumers League: www.nclnet.org
Phone Busters: www.phonebusters.com
MessageLabs: www.messagelabs.com
Source: Chronicle research


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Home > Health Care > Digestive Aids > Grain and Wheat
Grain and Wheat
Item #: 3071
Size: 1 oz
Single Price:
1 available for immediate delivery
Grain & Wheat
Homeopathic Allergy Relief Formula
*Product's Expiration Date: June, 2020 - All Sales Are Final*
While Supplies Last!
Specially formulated to temporarily relieve allergy symptoms associated with consuming soy, oats, barley, wheat, rye and corn. Eases stomach upset, dry itchy skin, diarrhea, congestion and rashes.
Suggested Use: 15 drops under tongue every 3-4 hours.
Active Ingredients: Adrenalinum 6X, Bryonia alba 6X, Lycopodium clavatum 6X, Natrum Muriaticum 6X, Pulsatilla nigricans 6X, Histaminum Hydrochoricum 12X, Avena sativa 12X, Glycine max 12X, Horedeum vulgare 12X, Secale cereale 12X, Triticu aestivum 12X, Zea mays 12X.
Inactive Ingredients: purified water, USP alcohol.
Warning: Consult physician if pregnant/nursing or an asthma sufferer with severe allergies. Stop use and contact a doctor if symptoms do not improve in 5 days or new symptoms appear. Keep out of reach of children.

subset: commoncrawl


text:
There are two alternatives.Originally Posted by michaellunsford
1. Serve the XHTML as HTML.
2. Replace the unsupported innerHTML calls with createElementNS() calls.
You cannot use innerHTML with XHTML as innerHTML is only supported for HTML pages and not for XHTML ones.
There you are a complete tutorial on all the possibilities in a forum post so that no external link is needed.


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This is the second part of a three part series. See also Part 1 and Part 3. Introduction In my first post this week, I introduced the bad man ballad "Duncan and Brady" and explored the historical origin of the song. We saw, based on extensive scholarship, that the murder of patrolman James … → read more
Tag Archives: Been on the Job Too Long
This is the first part of a three part series. See also Part 2 and Part 3. Introduction When I first moved to the Berkshires in 1992, I was in my early 20's and my knowledge of American folk music extended only a step or two beyond the obvious inspirations for the music … → read more


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Company Vision and Mission
The company's vision is to develop 21st Century Workforces and World-class VET /TVET systems by understanding future jobs and developing 21st Century capabilities.
With a mission to build current and future workforce capability, capacity, contribution and productivity, applying new discovery technologies, insight and intelligence.
Purpose and Goal
Workforce BluePrint is driven by its purpose:
To solve workforce problems including job creation (employment + entrepreneurship), designing future workforces, and influencing education, employers, government and industry.
With a goal, To develop current and future workforces, matching workforce demand and opportunities, with workforce skills and supply.
Industry Experience
Workforce BluePrint collaborates with a diverse range of industry sectors including:
- Agriculture and Horticulture
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- Building and Civil Construction
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- Contact Centres and ICT
- Defence
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- Small Business and Startups
- Telecommunications
- Tourism
- Vocational and Training (VET)
- Water


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Race the clock to find clues and solve puzzles in this real life game experience. Your team will have one hour to test your wits against a variety of mindbending challenges. Try your hand at this new genre of game that has been exploding in popularity around the country. Do you have what it takes to escape the room?
Place Categories: Entertainment


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Road to Saturday: Lock Haven hopes 50 losses in a row is enough as it takes on Gannon
Heartbreaking might not be a good enough word to describe Lock Haven's loss last week. The English language might not have anything that can sum up how crushing it was.
Lock Haven had lost 49 straight times, a NCAA Division II record, as it went into a game against Clarion. The Bald Eagles players couldn't remember the last time they won a game, considering it was at the end of the 2007 season and they were still in high school, but the program's last victory came against Clarion. Lock Haven fell behind by 10 points last Saturday before an unlikely comeback. The Bald Eagles scored late in the third quarter, and then again with 1:26 remaining in the game as Jesse Hoover caught a 22-yard touchdown pass from Jarrett Kratzer to take a 28-24 lead.
This was going to finally be it, the end of the streak. And then it wasn't.
Clarion started on its own 10-yard line. Lock Haven's defense, which had played well to that point, couldn't get a stop. Third-and-7 resulted in an 11-yard pass. Fourth-and-5 was converted too, with a 24-yard pass. Clarion was still 35 yards away in the final seconds, but the Bald Eagles gave up a 32-yard pass. The Golden Eagles immediately called timeout with two seconds left.
Lock Haven needed one stop on the final play of the game. Clarion scored. The losing streak was at 50.
"They were tired. They were spent," Lock Haven coach John Allen said about his players' reactions after the game. "They were down, no question. But that's how this game goes. That's how sports goes."
Allen talks about the plays that Lock Haven gave up on that last drive, just small breakdowns that left gaps in the defense at the wrong time. He is patient because he has to be.
"Quite frankly, these kids have never been in that spot before," Allen said. "They're still learning how to finish. We're young and we're still learning. I know the next time we're in that situation, we'll finish."
A big part of Allen's job is dealing with the psychology of his team dealing with the negativity of an astonishing losing streak, and he admits he worries about it a little. But he avoids mentions of the streak. The team doesn't talk about it. And there's a 48-hour rule after games, so on Monday the team quickly discussed the painful loss to Clarion and then moved on.
"We don't worry about numbers and the streak," Allen said. "It is what it is. My focus is on building this team."
Allen, who is in his second season at Lock Haven, is positive and patient as he tries to change the culture, even though the frustration in his voice is hard to miss. Any coach has trouble dealing with an 0-8 start.
He talks about being excited for every week because it presents the opportunity for his players to get better, and mentions the obvious fact that none of them have won a college football game. He wants them to experience a win. Maybe this is the week.
Lock Haven hosts Gannon, which is 1-7 and has lost all five conference games. Allen refuses to acknowledge that Gannon's record gives his team a good shot at a win and breaking the streak, but it has to be on the minds of the players, coaches and Lock Haven fans.
If Lock Haven could just get one win it could go back to being a normal college football team, not one burdened with constant reminders of a record losing streak.
"I knew what I was getting into when I took this job," Allen said. "But we have a plan. We're going to stay focused on that plan. The outcomes will come, whether they're now or later."
- - -
Got a tip for Dr. Saturday? Email us at email@example.com . You can also connect with us via Twitter @YahooDrSaturday and be sure to "Like" Dr. Saturday on Facebook for football conversations and stuff you won't see on the blog.


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Hobbypartz Proudly Supports Better Education & the RC Community
May 24, 2012 by: Bobby Gens Ace Media Director: Jett HeHobbypartz Proudly Supports Better Education & the RC Community
For a long time teachers and parents have been trying to find new ways in getting their child to strive in school. There have been many incentives from punishments to rewards, but these redundant plots just do not work! Recently HobbyPartz found a great opportunity to help a local middle school raise awareness to students about the importance of learning, steering away from the traditional after school programs and rewards systems provided in the classroom.
Edgewood Middle School, located in the region of West Covina California, has taken on a fascinating approach to encouraging students on maintaining a great scholastic record while providing a fun and safe environment. The approach was to build an afterschool RC club where �students could race, bash, and crash RC trucks and buggies. The rule of thumb was that they were required to maintain a minimum GPA and good behavior in all classes and curriculular activities in order to be allowed a spot in the club.
Soon as we were contacted by the club coordinator, we had to get involved! �Coming together with Edgewood Middle School, we found a way to jump on board, contributing to the club and providing the needed materials to help support such an remarkable program.
The organization started eight years ago with merely a few students, a faculty member, a couple of RC cars and a set of cones. The small club soon was able to build their first track on an abandoned dirt space on school property. With the support of the District office and the donations of the Medley family, the school was allowed to build a fenced track, supplied with PVC pipes and sprinklers for irrigation. By the summer of 2010 the final track was hand built with seven mounds of dirt and all the supplies needed to build a sturdy successful area for the students to enjoy the hobby.(To ensure safety practices, all RC items were supervised and provided by the school and donation contributors, allowing the advisors to safely oversee the students.)
Currently the after school program holds 36 students from 6-8th graders (both girls and boys), five parents, three teachers, a custodian, and several community volunteers. With all the efforts contributed to the track, Edgewood Middle School is proud to be one of the few dirt tracks known at any school in California and even the United States!
To support the students in maintaining good grades and proper behavior throughout the school year, Edgewood Middle School made sure each student was accelerating in their academic courses while holding a behavioral standard. We were proud to help donate to students that were able to maintain a proper scholastic standing, rewarding them with prizes and gifts at the end of the year.
Some of the products supplied by HobbyPartz would include Lipo batteries, transmitters/receivers, and a multi charger for the club, as well as banners, stickers, and other accessories to help embellish the track. With parent volunteers serving food, the kids and staff enjoying the races, and the RC company representatives coming out to support, the club was a major success.
It was apparent that the program created a vigorous approach to encourage students to understand the importance of education while providing them with the fun and enjoyment of RC racing and bashing. This played a large role in our involvement in the club as well as the great staff, students, and volunteers that contributed to the planning of the organization.
Through supporting the school's club and RC track to encourage better education, HobbyPartz is a proud sponsor of Edgewood Middle School RC Club and will continuously send our warmest contribution and support to many more organizations to help out not only local communities, but ultimately nation-wide organizations.


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I firmly believe that for the LGBT equality to make true and lasting progress, we need activists and allies in both the major political parties. Though I don't always agree with the political viewpoints of the LGBT Republicans I know, I do think their presence and their efforts are vital to our community's progress.
But hooking up with and/or supporting anti-gay politicians and pundits, I think, takes more than one giant step in the wrong direction. Unfortunately, that's just what the LGBT Republican group GOProud has done by naming wing-nut Ann Coulter as honorary chair of the organization's advisory board. Her "official title," according to this GOProud press release, is "honorary chair and gay icon."
GOProud board chair Christopher Barron said in the press release: ""Ann Coulter is a brilliant and fearless leader of the conservative movement. We are honored to have her as part of GOProud's leadership. Ann helped put our organization on the map. Politics is full of the meek, the compromising and the apologists – Ann, like GOProud, is the exact opposite of all of those things. We need more Ann Coulters."
Coulter said: "I am honored to serve in this capacity on GOProud's Advisory Council, and look forward to being the Queen of fabulous."
Umm, Ann, I know fabulous. And you aren't it. "Fabulous" would not call John Edwards a "faggot" (a lying cheating jerk, sure, but not a faggot). Fabulous wouldn't tell Joy Behar that you CAN pray the gay away or that only heterosexual men should be in the military. Fabulous would not tell TV interviewer Sean Hannity that if she had a gay son, she'd tell him he was adopted. Fabulous would not say that Rick Santorum's comparison of gay sex to bestiality is an "indisputably true point." Fabulous would not oppose same-sex marriage. And on and on and on; just check out this list: "Ann Coulter's Top 10 Most Disgusting Comments at Gay Republicans' 'Homocon.'"
Or check out the video below of Coulter at the Conservative Political Action Conference (CPAC) earlier this year.
Here's the list of notables that Coulter is joining on the GOProud advisory board: Margaret Hoover, Grover Norquist, Andrew Breitbart, Liz Mair, Chuck Muth, Lisa De Pasquale, Christian Josi, Roger Stone, Andrew Langer, Kathryn Serkes and Bob Carlstrom.
Oh, and as for being a gay icon — uh no, Ms. Coulter. Not for this gay.


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A fantastic effect that is perfect for the parlor /stage magician and guaranteed to get a response from everyone involved!
A volunteer is asked if she would like to learn a magic trick. She is then given a regular deck of cards which she takes into the audience, asking a second volunteer to choose a card. The second spectator is instructed to sign the card or tear off and keep a corner of the card for later verification purposes and return the torn card to the deck.
The first volunteer returns with the cards, which are placed on a table next to a 14" tall wooden box containing Mexican Tequila. The volunteer is instructed on how to coax the assistant, a worm naturally, to reveal the chosen card. Your hand never goes in or near the box at all!
At the end of the routine the worm jumps out of the box, producing the chosen card on its poncho to the surprise and amazement of the audience (not to mention your assistant).
You have complete control over Don Pepe via wireless remote control, and you have the option of having him jump out while still connected to the box, or completely out of the box altogether.
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Explore Indian wilderness….. from some of the most prominent tiger reserves of India- Ranthambore, Corbett, Bandhavgarh, Kanha, Pench, Tadoba, Panna, Sunderbans to some lesser known but promising destinations like Kaziranga, Rajaji, Satpura and so on with Tigerwalah. Be it your first journey to wilderness or the twentieth, go ahead, leave the planning and logistics management with us and get set for the promise of a unique experience each time. Our fixed departure wildlife tours provide you an option to travel with like minded travelers in cost efficient manner. Explore fixed departure tiger tours schedule here.
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Now that my older children are becoming more interested in what their friends think and do, and our income is more in line with the middle-class neighborhood we live in, it is not as easy to beat a different path. An old-fashioned simple slow life is a beautiful ideal, but clinging to a rigid ideology has the potential of making my family unhappy.
After a year of epiphanies, I am seeing the beauty in compromise. As much as I believe in outdoor play and extended childhoods, for example, my oldest daughter believes in fashion and pop music. And as much as I might love walking everywhere and puttering around the house, my husband Enrico likes sports cars and weekend trips.
Finding a Middle Ground
Conflicting desires — within ourselves and our families — are normal and they make life interesting.
While the kids and I are doing the chores on the weekend, you can now hear Taylor Swift and Katy Perry booming from the new iPod in our living room. (Last year's Christmas present to the girls.) Together with hand-me-downs from our cousins, my girls are now sporting jeggings from the mall.
And, after years of no TV reception, we have a cable box in our attic, where my husband can sometimes be found watching basketball (or the kids and I, America's Funniest Home Videos, our new guilty pleasure).
And the compromise that inspired this post? Well, against my frugal, debt-averse instincts, I got convinced to borrow money to do work on our house. I felt more comfortable squirreling funds away to pay for one-off projects, but that approach stressed out Enrico. He felt more comfortable with smaller, predictable payments — even if they're spread out over 30 years.
There is no one right decision, after all. The important thing is to be aware of how our choices affect the overall budget or our life plan. How will the balance change and what will we have to adjust to stay on track?
Taking out a remodeling loan felt extravagant to me, and it took a few years to convince me to go for it. But now that I'm on board, I've been having a lot of fun figuring out how to tailor the house to our family while maintaining its old-world charm.
We worked with an architect in the neighborhood to create a master plan, and were able to convince the contractor who did a fantastic yet affordable job on our foyer to take on this project.
What We're Doing to Our House
So what is in the blueprints? Perhaps the most important change is creating a third bedroom on the second floor by fixing an odd layout which had Enrico and me sharing quarters with our little boys. On the main floor, we're adding a fireplace to the living room to create a gathering spot for the family. And in order to host our parents when they come in town, we are adding a guest room and bathroom in the basement, in addition to some family hang-out areas.
We've been keeping a detailed spreadsheet of the costs, which helps us see how each decision affects the big picture. Unfortunately construction and infrastructure updates are leaving a lot less room than we had hoped for the fun stuff.
Already, visions of handmade Arabesque tiles from California have been replaced by the clearance section of a Rockville tile shop. But just as living on a limited income for our first ten years of marriage has challenged and changed me for the better, I know that renovating on a budget will fuel my creativity and inspire projects that I'll always remember.
I've already gotten a lot of satisfaction out of finding salvaged house parts to retrofit our 1916 house. Five-panel solid wood doors, beaded oval knobs, and decorative cast-iron radiators are built to last and cost a fraction of new. And I can start to envision myself painting faux wallpaper, repurposing IKEA furniture, and sewing shower curtains out of vintage linens.
My Old House Passion
"Old houses have a way of getting under our skin and bringing out an obsessive-compulsive, make-it-better mindset," says Demetra Aposporos, editor of Old House Journal. I think I'm there.
Many old houses, like ours, have been tinkered with and added on to over the years, and now that we've begun, I've gotten a little perfectionistic about getting all the gunk cleared out and restoring the house's original character. Considering this is the first house Enrico and I have bought, and it may very well be our last, the project has taken on a sentimental quality that makes the work even sweeter.
It's been two months since we got started, and we have several more months to go. We'd love to be done by the time baby Diana is born in August, but I've heard enough stories to know that finishing on time is more like a fairytale.
The process has been both exciting and exhausting. When crews of workers and clouds of dust pour out of gaping holes in our walls and ceilings, it makes me wonder if it wasn't a better idea to just hang a flat-screen TV in the living room and turn on the fireplace channel.
But Phyllis Rose says renovation is a lot like childbirth: when it's over, you don't remember the pain. I hope she's right.
One happy side effect of having to rip holes in our walls and ceilings is that we will have to repaint. My daughters have complained for a while that "everything in this house is brown," and on this point, we agree.
We've decided that the kitchen will be blue. The question is, will it be Soft Chinchilla or Heather Blue? But that's for a whole other post.


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Why not use the 'niche' argument on this? literally the only talent I can see that doesn't have a 'use' is blood horror on PvE
- There is literally one fight this tier which is completely single target and negates MF completely.
- There is not a single fight with zero movement
I'd hardly call movement or aoe 'niche' with respect to the last tier at least.
Demonic breath has different utility to the other two in that tier (which is all the tier is for?)
I'll give you blood horror.
If you are choosing a spec specifically, why does performance matter? Surely if you are looking to perform as well as you can you choose the best spec for the encounter? All three talents can have had use this tier.
If you aren't looking to do that, then why are you locked out of choosing whatever you like?
Has anyone ever bothered using Shadowflame? I don't see how it could outshine any other talent considering so many other specs bring better AoE slows.
Having Shadowflame on a 20 second CD with 50% slow is just pathetic.
It used to be a 70% slow on a 12 second CD. Maybe then it could compete with the other two on certain occasions
And I'm guessing it was disappointing?
I really don't understand Blizzard. We have indeed been asking for Shadowflame's return, but not when it has to compete with 2 other top tier CCs while being completely gutted and nerfed compared to its former self...
Shadowflame can be a very potent snare that synchronizes perfectly with Conflagrate, but it has to return to a 12 second CD with 70% snare. I saw some WoD footage and I couldn't help but feel sad seeing destro locks just eating damage with barely anything to peel melee off
It worked, it was fine, but it was a measure of the situation of the time that I was using it at all; other players could and should have been using better tools for the task.
Look from the perspective of all three specs instead of tunnel-visioning from your spec PoV.
It's not that certain talents can't be used, but many talents somehow can't be used for particular specs.
The needed change is to make the talents universally useful (by making the work differently for each spec, where needed), without having them bland. It is fine that there is an optimal talent, but it is not when certain talents are completely 'useless' outside of specific scenarios. You can cling on to that you can find a use for it, but that doesn't mean it's a competitive (also applies to situational talents) talent compared to the row.
I might have been slightly biased from Demonology PoV, but whether KJC is less of an annoyance solver, making life easier for your filler only/ non-number crucial casted spell (as it only affects low-dps fillers) - seemingly making gameplay for fluid, doesn't mean it's a competitive talent (as the amount of non-interrupted KJC fillers doesn't compare to second dark soul + dps/ resource-gen from Fel Flame), and whether it is a popular talent for the masses that 'like having it easy/ fluid gameplay' populace or not, is not relevant either.
It's just not competitive. AD can always catch up, but not the other way around. KJC cannot catch up where it is useless.
Same applies to MF for all the above, plus it is usually used for padding/ things that are not relevant.
There's also the case for unpredictability and for the unknown (mostly PvP (as they may not choose to attack you) and sudden world combat), you may never get anything from KJC nor MF should you not already know the fight mechanics. Which makes KJC and MF sub-par talents for progress also.
It is niche, as it only can be useful under certain conditions, but even then - it may not be relevant nor do anything better.
AD on the other hand, can always be used as it is versatile.
Realistically, for 99% of all circumstances, there is a choice between two truly equally useful talents, except for 45. If there is anything to be gained from the third talent, it so little that it simply doesn't compete. This doesn't mean that a particular talent can't be used, it just niche in the grand-scheme of things.
Harvest life, Demonic breath, blood-horror, Burning rush (PvP niche (FC)), Service for Affl. & Dstr., KJC for Demo, MF for Affl. and to some extent Dstr., and to some extent KJC for Affli (extra MG's do not compare to a second Dark Soul+proc Timing).
That's an awful lot of talents. It usually affects each spec individually.
No other class has it this way.
Why should certain talents only apply to/ be useful for certain specs? You're supporting choice limitation by simply preferring have it easy and not 'confusing' as you apparently are satisfied by having something.
Why should certain specs be dependent on certain talents?
Why should performance of talents not matter in cases where it's useless?
I's not about limitation of choosing what I like, but what can be actually useful in a 'competition' (as most but not all things are).
- It may be fun to choose obsolete talents for nostalgia reasons or refreshment and finding use for it - but that does not make that talent qualify for actual performance compared to the row. Especially for the majority of the players.
If MF cannot be used for anything actually useful as it mostly used for Padding, and if you could do more relevant dps with AD - that talent is not useful nor competitive compared to the row.
If KJCs lost filler casts without it doesn't add up to a second Dark Soul together with Fel Flame and it's resources it provides) - It's not really useful that talent either. (But sure it's practical! ...)
I do not however think that arguing from my spec PoV only is remotely relevant.
Service is virtually useless for Affliction and Destruction, but you can still use it, and it's competitive number wise, but it doesn't provide anything. Service is not the worst case, but for the other talents you may not gain anything at all, and they may not compete in numbers either.
Does MF for Affliction seemingly add up compared to a Second Dark-soul? Oh yeah, it can be used for Demo, which obviously makes it can okay talent... not.
Last edited by Nighthaven-; 2014-07-11 at 05:22 PM.
In PvE raiding these are talents i would never notice if not there:
on my spriest: psyfiend, dominate mind, phantasm, spectral guise, desperate prayer, void tendrils, power infusion
on my prot paladin:long arm of the law, evil is a point of view, repentance, selfless healer, unbreakable spirit, along with a very niche hand of purity
on my prot warrior: juggernaut, warbringer, second wind, impending victory, staggering shout, mass spell reflect, shockwave (hugely niche), avatar.
6 talents is 1/3 as there aren't that many talents. In that case you have a choice of two talents per row on average which is what you're ignoring.
Someone is bound to be on the bottom of anything. I believe it is Warlocks. Since you're so certain that it is not, why can't you just go refer to any other class that will have no benefit of a particular talents at in certain conditions?
You are also listing non-performance related talents which is meaningless when you tunnel-vision for PvE only. In that case I can point at every CC talent too, which has equally terrible relevancy for content they do not apply to.
This doesn't mean that there cannot be useless non-performance related talents in such talent-rows either.
Tell me of a performance related talent that you will never benefit from in certain conditions, as with KJC and MF.
Last edited by Nighthaven-; 2014-07-11 at 06:11 PM.
If your only real complaint is about KJC and MF then stick to that, and I'll be happy to stick to performance related rows for the classes I've provided example for. You keep changing what you are arguing about.
I've agreed multiple times with you on MF. I don't really agree on KJC. Fight length, timing of phases, amount of movement required when you have to move, make the actual decision more complicated than the simple math you've referred to. I think all in all, there is a legit choice between current KJC and AD, although maybe not for Demo - having not played it that much this tier I concede it's possible the balance is tipped to far for that spec. But for destro and affliction AD will usually have the higher reward potential, but also comes with more risk than KJC does. To me that tradeoff is ok.
Last edited by Turturin the Warlock; 2014-07-11 at 06:26 PM.
The difference is: They all can be used for either PvE or PvP only (which is bad too, to a less extent), but they're not useless for certain specs within the class for both primary purposes (which is PvE and PvP).
Popularity is another thing even when competing talents still perform.
The point is, when referring to KJC itself, when you do not benefit from KJC at all it doesn't provide anything, unlike other classes' talents. Talents of other classes always provide something, and many Warlock talent rows also have talents that provide 'virtually' nothing for particular specs.
If you want AoE for Demo, you are forced to pick MF. If you want a useful talent in single target/ focus fight, you are forced to pick AD.
Last edited by Nighthaven-; 2014-07-11 at 06:49 PM.
I'd wager that most of the time it gives you more of a benefit than say shockwave does compared to bladestorm/dragon roar as a warrior?
As for AoE in Demo, its easy to top the aoe charts without MF (say on Thok bats?), and I've used KJC as demo on Lei Shen progress (as did many other warlocks) which is a largely single target fight.
In a discussion of the level 90 talents, it's very easy to get lost in the debate over Kil'Jaeden's Cunning. Yes, on Live it is without a doubt overpowered. It is also hugely over-represented in use compared to the alternatives, and it is all too easy to accept that that reason is simply because it is overpowered. That perception also makes it very easy to concentrate the argument on 'hammering the nail down', which looks like the easy option because it means solely focusing on this one talent.
It's not always true though. The further down you hammer the nail, the smaller the margins are in which to fit it to bring about something close to even. At this point, KJC has been iterated on in every content patch since 5.0. That's not desirable for anyone. Not the players who need to keep up with changes, nor designers who would probably want to look at other things. So why not bring the others up? That should instantly make KJC less desirable, if the alternatives offer a more perceptable, and usable power boost. That is afterall why KJC in it's Live, or Beta incarnation is always going to be desirable; you'll always get to see the benefit from it.
Let's take a look first at Archimonde's Darkness. I happen to love it as a talent, it's neat, simple, and offers a decent power boost. But it's a one shot. As encounters grow longer - so when you're progressing fights for the first time, or grouped with strangers who aren't throwing out as much damage as your guildmates, that extra Dark Soul gets kinda lost and forgotten about. So, what if Archimonde's Darkness also increased your benefit from Dark Soul by 5%? That's not going to get lost, and right there you can see on the tooltip that there's some free damage going on there. Suddenly it's a lot more attractive, more useful, and you're always going to gain from it. And taking KJC is taking a little more of a penalty in terms of trading DPS for mobility.
The other alternative, Mannoroth's Fury, is the real sore thumb. You can take this talent, and throughout an encounter see no benefit from it whatsoever because there's no reason to push the button. In it's pre-5.4 incarnation as a passive increase, you might not get much benefit, but you didn't have to push a button either. It wasn't an inconvenience. In it's current Live form, it's another keybind, another cooldown to stack. Many players are short of those, and a keybind for something you might not use anyway seems even more wasteful as a talent to spec into. Even where there might be cases in the encounter where you push the button, you won't use it often; maybe those one or two add-phases that you're actually lucky enough that the adds spawn while it's not on cooldown. At that point, so we really want to math out whether we gain more from the extra keystroke of hitting MF, or the extra DS from AD? Do we really want or need the extra keystroke of another cooldown to stack for that add phase? Is it adding any depth to gameplay? You can see how this is so incredibly unpopular - it completely lacks the universality of the alternatives, while offering very little where it is useful. And those few places where it is useful, which it is for Demonology, it gives rise to that common complaint of feeling weak in between those stacked cooldowns or if we're not specced into it at all. Frankly, as a niche talent on a row up against two very universal talents, it's never going to stand a chance outside of very exceptional circumstances for all three specs.
I therefore think it's important that the alternatives to KJC are much more seriously looked at, because more and more rounds of changes to KJC just can't be tenable.
It's not only about zero benefit either. It is mostly about relative benefit compared to AD (+MF/ the other talents).
KJC is only marginally more useful for Destruction only. But it's still only limited to fillers that provide low dps. It doesn't help your critical numerical component either, namely Chaos-bolt.
If those non-interrupted filler casts with KJC doesn't equalize a Dark Soul + what Fel Flame provides (and the guaranteed chance to sync every DS with a major proc), it is isn't actually useful. Which in many cases where KJC may be used, KJC still doesn't compete in numbers. It convenient and seemingly more fluid, but not numerical better.
But when it has zero benefit, it is worthless (zero value only high-lights it's main flaw).
It's not only about PvE and you may never know when it is totally useless for PvP (they might even not choose to target you), but it is even useless for the unpredictable: progress and sudden world combat.
PvP will always represent the pinnacle of WoW complexity (no matter how bad it is or not) as PvE is only ever 'fixed/ predictable' variations of it. All the elements of sudden movement, selective synergy with classes, coordination, ability and talent clunkiness and dps (in addition to more factors such as CC) come into play.
You ultimately do the same/ most of these things in PvE, but it is fixed.
Whatever talent that is not versatile enough is not competitive for a good reason, as they tend to 'not happen.'
As for the Warrior talents, they all provide damage no matter what: they all still do damage. KJC and MF is not like that, but AD is (which makes AD a superior talent).
Those warrior talents obviously have different popularity values in PvE and PvP, but that is because of their utility and the likeness of lining up their cd and damage relative values with procs. They're even balanced numerically.
When it comes to your question, I am unfortunately biased towards Demonology for PvE only, and I never ever used KJC (even for Heroic content) or did even have the slightest thought of where it may, if at all be anywhere near beneficial. But for the major populace, they wouldn't even benefit from KJC numerically (although it is convenient) for all the normal mode fights (+ many HC fights) and below (with exception of normal Garrosh, which I can think of, for the other specs only).
But knowing that Affliction is so strongly dependent on 'artificially' buffed DoTs in trinket procs with snapshotting, coupled with a low-dps filler which doesn't equally provide a resource boost when channeled compared to embers and DF from Fel Flame - It is only Destruction that benefits from it, as they go OOM+ having back-draft/ non-static filler. But Destruction players can still can get around not having KJC issue to a large extent, as the better Warlocks do in PvP.
If that MF padding with Demonology only serves you, it is not useful for the group whether you look better on the meters or not.
True, but I disagree that KJC is the ultimate talent in that row - more so that AD is, as KJC only majorly beneficial for Destruction only and then only for heavy movement. AD provides something for every spec.
KJC isn't universally beneficial for all three specs, but Affliction would have had more use for it with the merging MG and DS as of current WoD, provided current KJC of MoP was kept. If anything I would say that KJC would need a output boost in the current non passive WoD incarnation, so it provides something when it ultimately cannot be used. Same thing with MF.
For example that KJC provides a increased multi-strike buff during Dark Soul and a similar thing for MF.
Druids Heart of the Wild for example always provides something.
Last edited by Nighthaven-; 2014-07-11 at 11:45 PM.
@ Jessica Your post was a good one. Of course with the new new KJC they are trying at 8secs/1min cd, aff and destro are going to glyph dark soul and macro it to kjc, which means they may as well just roll it into dark soul if that's what they want to do.
AD = extra charges
KJC = you can move while casting while dark soul is active
Mannoroth's Fel Flame = You get the ability fel flame. It is instant cast with no CD. it does 1.5x as much damage as your DS/shadowbolt/incin on a dpet basis, but costs Y times as much mana (where Y is enough to make it a noticable sustained dps loss to use for all the time - i.e. you would only want to use while moving). Fel Flame grants Demonic Fury and Burning Embers, and counts as a tick of corruption for the purposes of nightfall procs.
Last edited by Nerraw; 2014-07-11 at 11:46 PM.
KJC is universal in that you will always gain something. When you balance that against MF, then on many fights the extra mobility is no penalty at all. Against AD, then it depends on the encounter length and in part on RNG as to how much benefit from the additional DS you actually gain. That makes it very difficult to gauge, so those questions make it less attractive. It needs to be an absolute cut and clear bonus, so KJC has a much clearer trade off.
- - - Updated - - -
The more I think about this, the more I am convinced MF should just be a straight, passive DPS boost. This isn't a mobility talent row. It's a DPS row with crappy DPS talents which may or may not benefit you against a mobility talent that will always benefit you.
KJC - Either Live or Beta form.
AD - DS now has two charges and increases your DS effect by X%
MF - Increases your Versatility by an additional X%
Two clear bonuses to DPS, one active, one passive with a bit of a survival bonus, and one for increased mobility traded off against those bonuses.
Last edited by Jessicka; 2014-07-12 at 09:55 AM.
What a joke? KJC was being problematic... so we did what we did. We removed fel flame too.
Brain Freeze makes FrostFire Bolt instant and it can stack up to 2.
Ice Lance Dmg doubled.
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Good Writing is Fundamental, or Where Has All the Grammar Gone
By: Carolyn L. Barkley
[Warning: this article comes with an "I'm-on-a- soap-box-warning!]
My father was an English teacher and a poet, so writing well was a basic expectation in my house as I was growing up. I graduated from high school in the 1960s which means that I was taught phonics in elementary school. I'm one of the dwindling few who actually know how to diagram a sentence. I could read a paragraph written by any one of my staff members and tell you, within a few years, when he or she graduated from high school. Now that I'm retired and spend my "leisure" time editing books for authors of genealogical works, I find that the inability to construct a readable sentence is not limited to those who graduated from school within the last twenty years. It is an affliction shared by all ages, which, I fear, will only get worse in this age of Facebook, e-mail, and tweeting. The incorrect use of capital letters ( and don't even think about the misuse of apostrophes), split infinitives, misspellings, and amazingly awkward syntax – they all conspire in a concatenation of literary irritation as I read the text of many a manuscript.
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1. Good grammar and a good writing style are essential no matter what you are writing, no matter for whom it is intended. I can't tell you how many times I've heard someone comment that they are "only writing for my family, not something professional." It doesn't matter who the intended audience is; it doesn't matter if you're writing a research summary, a family newsletter, or a scrapbook journaling entry. You must write well to be taken seriously. The best work, presented poorly, reflects negatively on our impression of the quality of the writer's research.
- Make sure you write in a consistent voice (preferably in the third person).
- Write active sentences such as "John Doe and Mary Smith witnessed the marriage of James Brown and Matilda Green," rather than "The marriage of James Brown and Matilda Green was witnessed by John Doe and Mary Smith."
- Use present and past tense appropriately and consistently throughout your writing.
- Reread your work frequently. Have you used two (or more) words when one is more succinct? Have you used unnecessary clichés? Does your work flow smoothly when read aloud, or do you get lost in parenthetical comments and wordy transitions?
Your work reflects your proficiency as a genealogist and writer. Your family, or other intended audience, deserves a quality product.
2. Be aware of grammar and style rules. I keep the Chicago Manual of Style (15th edition) beside my desk, and it falls open automatically to one of several often-consulted sections.
- Do you have a question about the use of numbers in a narrative?
- Are you unsure about the rules for capitalization?
- Should you spell out the names of states or use abbreviations? Does an ellipsis have three dots or four?
- What's an ellipsis?
- What's the difference between a mantle and a mantel, between capital and capitol?
- It used to be accepted practice to insert two spaces after the punctuation mark at the end of a sentence. According to CMS, "In typeset matter, one space, not two (in other words, a regular word space), follows any mark of punctuation that ends a sentence, whether a period, a colon, a question mark, an exclamation point, or closing quotation marks." In my opinion, what you print from your computer qualifies as "typeset matter," so check those spaces.
- Names of states and territories. According to CMS, "In running text, the names of states, territories, and possessions of the United States should always be spelled out when standing alone and preferable (except for DC) when following the name of a city." Don't use postal abbreviations unless they are followed by a zip code! If an abbreviation must be used, please use the old form (Ala., Fla., etc.), mindful of the fact that some states are not abbreviated (Ohio, Hawaii, Alaska, Iowa, Idaho) using this method.
3. Cite your sources correctly. When citing sources, I continue to use the Chicago Manual of Style for printed works such as books and periodicals. When I'm citing original records, websites, online databases, and other genealogical materials, my bible is Elizabeth Shown Mill's Evidence Explained: Citing History Sources from Artifacts to Cyberspace (Genealogical Publishing Co., 2007, reprinted 2008). In addition, I use Ms. Mills' three Quicksheets: Citing Online Historical Resources Evidence! Style* (Genealogical Publishing Co., 2007) and Citing Ancestry.com Databases and Images Evidence! Style* (Genealogical Publishing Co., 2009), and Citing Online African-American Historical Resources Evidence! Style* (Genealogical Publishing Co., 2010). For more information on these four titles and the importance of quality citations, read "Hurdling the "Brick Wall" without Landing in a Pothole (The Real Value of Source Citation): A Conversation with Elizabeth Shown Mills." Not only does Evidence Explained cover a myriad of record formats, it provides clear sample entries for a source list, a full reference note, and subsequent reference notes for the same item.
4. Understand the basics of copyright. Copyright law is very complicated. It is important, however, to understand the basics in order to protect your work and to respect the work of others. I recommend that you read, at the very least, the "Copyright Basics" chapter of [Sharon DeBartolo] Carmack's Guide to Copyright and Contracts: A Primer for Genealogists, Writers & Researchers (Genealogical Publishing Co., 2005, reprinted 2007). This chapter pinpoints what is protected by copyright and what is not, the duration of copyright, and how to register your work if desired. A specific question-and-answer section discusses genealogy-specific copyright applications. You may also want to read a previous posting in this blog "Copyright and You – Basic Concepts That You Need to Know."
5. Read well-written genealogical periodicals and books. Reading articles that are well-written and that conform to established genealogical standards will assist you in recognizing quality writing. The Register (New England Historic Genealogical Society) and NGSQ (National Genealogical Society) are examples of excellence in genealogical journalism. Read articles even if they don't support your immediate research objective as you will not only become familiar with quality writing, but you will learn about research methodology and analysis at the same time. In particular, find out the requirements for submitting articles to various periodicals so that you can incorporate them into your writing. One excellent source is Henry Hoff's Genealogical Writing in the 21st Century: a Guide to Register Style and More (NEHGS, 2002). In addition, NGSQ provides editorial advice on its website.
6. Read books about writing family histories and memoirs. You are not alone in wanting to write about your family. With the increased popularity of family history, several books are available to help you get started – and stay on track – throughout your writing, including Kirk Polking's Writing Family Histories and Memoirs (Betterway Books, 1995) and Sharon DeBartolo Carmack's You Can Write Your Family History (Genealogical Publishing Co., 2003, reprinted 2008). These books will help you articulate why you want to write, help you identify your intended audience, and much more that will help you write effectively and efficiently.
7. Have fun! Writing should not be a chore. To have a little fun with grammar, check out two books by Lynn Truss: Eats, Shoots and Leaves: the Zero Approach to Punctuation (Gotham, 2006) and The Girl's Like Spaghetti: Why, You Can't Manage Without Apostrophes! (Putnam Juvenile, 2007). Both books are entertaining ways to absorb some grammatical nuances.
My conviction that "if it's worth writing, it's worth writing well" was stated much more eloquently by John Sheffield, 1st Duke of Buckingham and Normanby (1647-1721), statesman, author and patron of poet John Dryden, who wrote: "Of all those arts in which the wise excel, Nature's chief masterpiece is writing well."


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If you are looking for an Atlanta newborn photographer, I am so happy you landed here! Preparing for a baby can be overwhelming at times and you likely have a list as long as your wedding to-do list…or you don't even know where to start! But fear not – while parenting is a huge responsibility, there's really only a few things those little ones need their first few months. Food, warmth, and love. Truly. So relax – and prepare to embark on the most amazing journey life has in store for you. I am so glad you are considering documenting it because you will never regret it!
I've put together some resources to help you make an informed decision when you book your photographer to capture these important milestones…so keep scrolling!
*If you're viewing this site on a mobile device, be sure to scroll all the way down to view menu items!*
"Heather was fantastic to work with. She took beautiful pictures of our little girl and really captured the sweetness of the newborn phase. Heather really took the time to make sure every shot was just right. She was also so nurturing with Hannah which is such a great comfort as a new mom." – Megan R.
"We could not have been happier with the quality of the pictures and the experience of having our maternity and newborn pictures taken by Heather. She has perfectly documented this exciting time in our lives, and we will cherish these pictures forever. We look forward to having her document future milestones in our lives!" – Meredith R.
Heather Carraway is an Atlanta newborn photographer providing maternity, baby and newborn photography services throughout metro Atlanta.
Heather regularly serves clients in many of Atlanta's neighborhoods including Buckhead, Brookhaven, Sandy Springs, Smyrna, Vinings, West Atlanta, Mableton, Alpharetta, Roswell, Marietta, and beyond. If you are looking for an Atlanta area newborn photographer, Heather would love to hear from you!
Heather is a CM Pro, member of the National Association of Professional Child Photographers and the International Association of Newborn Photographers (INP.)
Heather Carraway Photography has been featured on Lemonade and Lenses, a respected blog and magazine publication where other photographers go for inspiration and professional development.
Atlanta Maternity Photographer | Atlanta Newborn Photographer | Atlanta Baby Photographer
Please contact her anytime at firstname.lastname@example.com or use the contact form above if you have any questions.
To check out recent work and to learn more about Heather and her life with her wonderful husband, crazy dog, and sweet baby girl, please visit her blog.


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The Saturday before the cruise Mom took me shopping. We had planned on us picking out somethings together for my birthday presents but I just felt too awkward being like "buy this for me" so we instead just shopped, looked, and tried things on then I'd wait outside each store and Mom would pick a few things she liked best to buy me and then she wrapped them on my birthday :) It was SUCH a fun day and great girl time together. We BOTH starting crying in Old Navy (the girl at the fitting rooms thought we were nuts) just out of happiness that we get to be together for so many fun little things like that. I mean when was the last time Mom and I went shopping together? A LONG time ago for sure! Hopefully (once we get some money haha) it'll be a more regular outing :)
We waited to celebrate my birthday with Mom until after the cruise and actually ended up celebrating on Halloween night. (Another perk of trick-or-treating fun happening on the 30th!).
silly Mom
I love how he's watching me, so sweet
yay! clothes!
my helper
I have a silly mom and crazy husband
she got me the cutest pants from New York & Co (which us Valdostians still call Learner) and several matching tops along with a dress I wore on the cruise and an adorable tunic
Zach and "Deuce"
my sweet boy
instead of a cake Mom decorated my milkshake :)
26! 4 more years till 30 :(
(but my Stella & Dot Garden Party Earrings keep me lookin' stylish right?)
We bought Kye a junior milkshake but he had zero interest in it...he just wanted Daddy's
I love how happy Mom looks here, so glad to get to spend time with her grandson!
Zach gave up and drank Kye's shake and let Kye drink his haha
so good at sharing
Almost Birthday Twins!Mom's move but it just randomly started to hurt very badly. Badly enough to wear he left work and went straight to a doctor. This was on Nov 4th and we've been battling his back pain since :( He even ended up having to have an MRI done! Thankfully, he does NOT need surgery but just needs lot of rest to let it heal and has to be more careful in the future to not hurt himself again (this means when moving day comes...we need MEGA HELP!!! Any volunteers????). Anyways...even though he was in pain we still went over to Seth and Crissy's house but Zach just had to lay on the floor the whole time.
It was SUCH an awesomely fun night. I can't remember EVER laughing so hard. I really adore Seth and Crissy and love how easy going our friendship is and how we can just let lose and be ourselves. I love that we have kids and all but having adult-only time with them was SO great!!! Can we do it again soon please?
that breakdown...so I canceled). This year we didn't do a group birthday celebration and instead just Katie and I had a girl's night! It was great...we got pizza, talked, then went to her house and watched Grey's!
She hooked me up with a pedi! Gotta make plans to do it soon!
(btw I'm wearing the Rachel Necklace from Stella & Dot)
All in all it was a GREAT birthday filled with many of my favorite people...any excuse to get together is so wonderful. It makes getting older a little easier to handle :)


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Subject: Asiamoney: Banking in East Timor
Banking in East Timor
Oct 2003
Markets don't come any more emerging than East Timor. It was internationally recognized only as recently as May 2002. Eric Ellis reports on the unusual problems bankers face in the tiny new nation, which lies east of Java.
Kirk McNamara has problems most retail bankers would love major traffic jams that gather outside his branch and its well-fingered ATM in downtown Dili, capital of the world's newest nation, East Timor.
"Yeah, it gets a bit hectic out there when the United Nations payroll kicks in," says the Australian-born country manager of ANZ Banking Group's East Timor operation. So hectic in fact that in a languid South Seas town of few local customers, and fewer cars, Dili authorities have instituted traffic controls around the branch, and a one-way system on the through street to ease the crush.
But McNamara has other problems that most bankers wouldn't want for love of their job, or the money, for that matter.
Like the time last December when raging mobs beseiged Dili and the symbols of foreign business and East Timor's political leadership, both of which coalesced terrifyingly in the house he rents from East Timor's ruling Alkatiri family.
McNamara is a veteran of stints in Papua New Guinea and the Solomon Islands. But when the rocks came through his front window, forcing him to beat a retreat to the safety of the nearby Australian Army barracks, it provided a moment when "I questioned my sanity".
"PNG was a bit tricky at times but no-one in Port Moresby [PNG capital] ever burnt my house down." he says. Almost a year later, McNamara semi-jokes about the riots now but at the time it had the effect of concentrating his mind, and the ANZ's, about continuing operations in East Timor.
"We talked about it with head office," McNamara recalls, "We weighed it all up, the obvious difficulties of operating here, the significant law and order issues and said that while there were considerable cons, the pros of the future outweighed them."
Fire is something of a feature of banking in the wilds of East Timor. Just 200m down the road from McNamara's office is the branch of Banco Nacional Ultramarino, Portugal's state-owned overseas bank.
Today the BNU branch is one of Dili's biggest buildings, a gleaming four-storey model of possibility in what, just a year after independence from Indonesia, is one of the world's five poorest countries. Staff busy themselves processing telegraphic transfers and explaining the basics of banking to eager East Timorese.
Its all a far cry from 1999 when the building, then a branch of an Indonesian bank, was set alight, gutted and pillaged of thousands of dollars, rupiahs and escudos after Jakarta-sponsored militias rampaged through Dili.
"It didn't matter that the bank was owned by Indonesia," says BNU General Manager Joao Manuel Correia Pinto. "The militia destroyed everything."
With the BNU building restored it was also the bank's offices before Indonesia's 1975 annexation of the former Portuguese colony and the UN presence gradually fading, a lasting peace seems to have broken out in East Timor. But in the country's (very) emerging financial sector, it seems to be shaping as a war between BNU, ANZ and Indonesia's Bank Mandiri.
BNU first opened in Dili in 1912 and has had the longest presence in East Timor, albeit it one with a 24 year gap when Jakarta took over from Lisbon. ANZ arrived with the Australian expeditionary forces in 1999 that helped secure Dili's independence last year. Bank Mandiri is expected to open its first branch by year-end.
The three banks' presence reflects the battle for influence in East Timor by their three home nations; the former colonial power, Portugal; East Timor's liberator Australia and the former occupying powers from Jakarta.
Mandiri's imminent arrival at the time complicates the picture for ANZ and BNU, which both like to say they don't compete with each other. So far the lines have been clear. ANZ is seen as the foreigner's bank, largely because it installed an Australia-connected ATM and East Timor's only SWIFT service that has been a lifeblood for the 10,000-strong community of highly-paid so-called internationals the UN-based staffers who helped charter independence.
While that's been a US dollar bonanza for ANZ, there's also the logistical challenges and dramas of using trusting East Timor's unreliable infrastructure to deploy cash to myriad countries, such is the UN's broad church. "Sometimes the electricity generator just stops," says McNamara. "Getting stuff like that right has been a big issue for us."
Where ANZ has been foreign-oriented, BNU is the agent for Portugal's huge pension scheme in East Timor, despatching the millions of euros Lisbon is dispersing to the families of former local employees in the pre-1975 colonial service.
That provides BNU a solid customer base of East Timorese, where Pinto says the main business will be in the future. He boasts about 5,000 customers, 80% of whom are East Timorese (the other 1,000 are members of various Portuguese official agencies returning to assist the new nation). The average pension dispersed is about Euro 300 a month, says Pinto, who commands a 70-strong staff of 65 Timorese and five Portuguese expatriate managers.
ANZ runs its bank with a staff of 30 - 26 Timorese and four expatriate managers, two of whom are from Samoa and Tonga, where ANZ also has operations.
"My main role here is for the bank to become operationally robust," says McNamara. "There's been a fair bit sloshing through East Timor with the large foreign presence but this has created something of a false economy."
A false economy, and a struggling one dependent largely on foreign aid. The World Bank puts GDP per capita for East Timorese at around $US1 a day, which compares that to the $US100-plus per diems of the internationals, many of whom are now packing up for the next world trouble spot.
The instant cash bonanza of the UN presence in East Timor raised expectations for East Timorese of what independence would bring. Some 98% of the economy is transacted in cash, which also creates security issues for the banks that process it. The country may now have its political liberty but economic freedom is proving elusive. Hopes are very high that the development of the Timor Sea resource fields between East Timor and Australia will deliver that prosperity, and sustain a stand-alone business for its three banks.
"Our challenge is to have a bank that will operate and be profitable when the foreigners leave, contribute and hopefully finance the re-building of East Timor, build reserves, develop a savings culture and the notion of long-term bank and customer relationships." says McNamara.
His remarks are echoed by BNU's Pinto. "I think they'll make it."
Support ETAN, make a secure financial contribution at etan.org/etan/donate.htm
Back to January menu


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It's a beautiful day to take a dump in a snowy wasteland!
We found this photo Alexander Skarsgård sitting on a toilet naked and decided it needed to be photoshopped. AND we decided YOU are the best people to do it.
Here's our example:
Either cut Skarsgård out of this photo or add something to the existing one! Go nuts! And when you're done link to the photo in the comments. We will feature the best ones on our blog!


text: [JURIST] The Federal Communications Commission (FCC) [official wesbite] dropped a scheduled review of its media ownership rules from the agenda of its scheduled monthly open meeting [FCC release] Thursday. Some of the restrictive rules had been overturned [PDF opinion] by the US Third Circuit Court of Appeals in Philadelphia, a decision that the US Supreme Court recently let stand without comment [JURIST report], leaving reconsideration up to the FCC. The Commission had been expected to ask for public comment, the first step in the formulation of new rules, but the unexpected exclusion of the item from the agenda may be indicative of problems the commissioners are having agreeing on an appropriate process. AP has more.


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Priorities can get so completely messed up when job loss enters the picture. All too often, the fact that a person is now unemployed takes over everything. Don't get me wrong — a job loss needs to be treated seriously, but the degree to which folks let it dictate their lives can be unhealthy.
I know just how challenging it can be to get through each day when there is a job loss in the household because I have lived through it and I have witnessed loved ones endure in the struggle.
Even when you feel the world crashing down around your shoulders, your top priorities should remain focused on PEOPLE.
That may feel like the last thing you want to do. You're embarrassed about being out of work, having to explain the situation again (and again…) can feel demoralizing. All you want to do is pull the covers over your head and hope that you can wake up from this nightmare! But cutting people out of your life during this time is especially detrimental for you.
How should your priorities look at this time?
1. Yourself
Yes, YOU are the first person you should consider, and your needs are the top priority at this time.
I know what you may be thinking: "No kidding, Melissa! What I need is a new job!"
While gaining employment is important, you should take the time to put your physical and emotional needs first. Things like:
- Eating the proper portions of a well-balanced diet.
- Getting enough sleep.
- Exercising.
- Processing your emotions regarding your job loss.
- Getting out of that "Woe is me!" funk. Yes, job loss sucks, but it does not have to define you as a person!
- Evaluating lessons that may come from your most recent experiences.
Take care of these needs first, and put a system in place to ensure that you continue to meet these needs throughout your job search. All of the above activities will serve you much better than sitting at your computer 12+ hours a day, feverishly updating your résumé and social media profiles and firing off applications to as many opening that seem even remotely related to your background (aka Spray and Pray).
2. Your core circle of support
Whether that is family members, a significant other, or really good friends, you should be reaching out to them because you need them more than ever right now!
These folks are the ones who you know will have your back through it all and can help ensure that you are exercising good self-care with the items from first point. Maybe they will cook a good meal for you, or go for a run/walk with you, or talk with you to help you through this time in life that feels like a roller coaster. Allowing someone in your life who you can trust to help you stay on track with your self-care will benefit your job search (and your health!) in the short- and long-term picture.
Another benefit to keeping connected to them is the access they can provide to their network. Because these are people you have strong relationships with already, asking them if they know anyone who works in your industry isn't sleazy at all! You know you would bend over backward to help them if the roles were reversed, and they do, too.
Rarely is the give-and-take of these relationships a 50-50 split. It's OK that you need more resources now — you can happily return the favor when your friend/loved one is in need.
3. Your larger network
This group of people is comprised of colleagues from past employers, former classmates, folks you see socially on a somewhat regular basis or more (at a volunteer gig, at your house of worship, at your child's extracurricular activities, etc.) Even if the person you know doesn't work in your industry, s/he may have someone in their network who does.
Don't be afraid to fill them in about your situation and let them know what your current needs are. In general, people do want to connect with others and want to help, so your efforts won't be in vain. Just make sure that you are specific enough about your situation so they can be a true resource to you.
One note: You want to be sure that the people you include in this circle are ones you do have some interaction/rapport with. To ask a favor of someone you haven't talked with in 20 years or to be suddenly BFF with a person who you have basically ignored up to this point smacks of self-serving behavior.
If you find that the number of people at this level is rather low, start cultivating it by being a resource for others. Once you become a blip on their screens, things can start to develop organically between you and these folks.
What about the other parts of my job hunt, like writing my résumé and LinkedIn profile?
Without a doubt, well-crafted career marketing documents that powerfully convey the accomplishments in your career are critical. They are your foundation.
But what good is a strong foundation if you've built it on a sinkhole? You need firm ground to build your foundation. PEOPLE are the firm ground of your career.
Image courtesy of John S. Quarterman
Melissa Cooley, career coach and certified résumé writer of The Job Quest, LLC unearths her clients' career examples to showcase the talents and results that make them must-hire candidates. Click here for more information on ways to partner with Melissa for your career success!


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The New York Jets were fortunate to get great value with their second-round pick in the 2013 NFL Draft when they snagged the top-ranked quarterback on their draft board in Geno Smith with the 39th overall selection.
Despite a lot of unfounded slander in the wake of that selection, the Jets are thrilled to have Geno Smith aboard, and the 22-year-old has wisely left all the extracurricular stuff behind him and is just focusing on the task at hand.
Rex Ryan and offensive coordinator Marty Mornhinweg are aware that Smith may need some seasoning before he's ready to be an NFL starter, but that hasn't stopped them from pushing Smith hard to see how he handles it.
After the sudden retirement of David Garrard, who I at one point had pegged as the early favorite to win the quarterback competition in training camp, Smith is now primarily battling with fifth-year pro Mark Sanchez.
I believe that of the quarterbacks on the Jets roster, (Sanchez, Smith, Greg McElroy and Matt Simms) only Smith is guaranteed a roster spot. Sanchez's chances were definitely helped by Garrard's retirement, however.
From all accounts, Sanchez and Smith have both looked pretty good so far in OTAs, with Sanchez citing a level of comfort and confidence in Mornhinweg's offense that he hadn't had in years past as a primary reason for that.
However, when mini-camp and training camp get underway this summer, Geno Smith has a very real opportunity in front of him to prove that he's more than a project quarterback who the Jets will be counting on down the road.
Rookie GM John Idzik has preached a mantra of internal competition in camp at every position on the field to bring out the best in everybody, something that worked very well for him in his days with the Seattle Seahawks.
Last season, the Seahawks also had a rookie quarterback that they drafted on the second day of the draft who was allowed the opportunity to compete for a starting job. We all know what happened next for Russell Wilson.
Geno Smith is not Russell Wilson, which isn't a knock on either quarterback. The point is, the players who earn playing time based on merit will be on the field for the Jets come Week 1, just as they were for Seattle last year.
I believe that Geno Smith will be the starting quarterback of the New York Jets in 2013. The only question is whether that's in Week 1, Week 7, Week 13, etc. It's up to Smith to earn that spot, and that's what practice is for.
Today, as the calendar flips to June, Sanchez is likely the frontrunner to win the job out of camp. But that's far from guaranteed. If Smith impresses in camp and emerges as a viable option, he'll have a chance to be the guy.
Many Jets fans may have a Sanchez hangover, and they would want to see Smith as soon as possible. That's completely understandable. But the key is to get Smith in there based on merit, not any sort of favoritism.
Make no mistake, if things go the Jets' way, Geno Smith is quarterback of the future. In training camp, it'll be up to him to show his coaches that the future is now. The opportunity is there for the taking. Make it count.
Jon Presser is RantSports.com's New York Jets Lead Columnist
Follow him on Twitter @metsjetsnets88 and on Google+
Related Articles:
New York Jets Revamp Their Offense with Additions of QB Geno Smith, RB Chris Ivory
The Media Should Be Embarrassed of the Unfounded Slander of Rookie Geno Smith
Geno Smith Among Those Who Impressed His Coaches After an Intense Rookie Mini-Camp
New York Jets 2013 Training Camp Profile: Sheldon Richardson
New York Jets 2013 Training Camp Profile: Quinton Coples
New York Jets 2013 Training Camp Profile: Stephen Hill


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Acuity Insurance Customer Service Number – corporate headquarters office address, 24 hours toll free number, customer service helpline number, customer support email id and official web page is listed here with the Acuity Insurance corporate head office, registered office, and mailing or postal office address.
If you are searching customer service phone number of Acuity Insurance or Acuity Insurance toll free phone number and related helpline topics from this company; so as this page, you can find all necessary contact information of Acuity Insurance customer service department with customer feedback, products reviews and ratings.
For customer information, queries, complaints, suggestions, enquiries and issues Acuity Insurance provides customer service support for their users across the region of country. Here, Acuity Insurance head offices address details, customer service contact numbers, email ids, official website, and social profiles, important links are mentioned below.
Acuity Insurance Customer Service Contact Details
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