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I, like many of you I'm sure, am a very busy person. For example, today I've scheduled the next two hours to work on AppStorm projects, then I have lunch, I clean my office between 1 – 1:30 pm, I've got an appointment to talk about a book I'm working on at 2 pm, then a meeting with a PR rep at 4:15. Oh, and I've got to be home by 5:30 to meet my son who is getting dropped off by his grandparents.
Organizing a day like this can be an exercise in futility, particularly when you rely on the built-in Calendar app in iOS. So when it came for me to try to find a new calendar with better options, I went with the popular Calvetica Calendar. We reviewed the Classic version of the app back in January 2011, but what makes the higher end version so much better? Let's find out.
How it Looks
The whole skeuomorphic thing that Apple has going on right now drives me nuts, particularly with iCal. As a man in his mid-30s, I've never owned a desk calendar with a leatherette top that always has a torn off page. My mother has, but for me, that concept doesn't really work as a whole. Carrying it over to iOS makes me want to punch a kitten (and yes, I know that iOS came first with that stuff, but still).
When it comes to using iCal at home, I don't. I use BusyCal, my favorite way to keep things in sync between the multitude of different calendars that populate my daily schedule. And although my days didn't used to be a giant cluster of appointments, doing so now has actually increased my productivity. To keep it going, I need a way to sync everything to my iPhone, which I already have with iCloud. I just don't want to use the default app, hence Calvetica Calendar.
The big thing here is the interface. Calvetica is very simple and clean, and simultaneously complex and full of features. Not only is it beautiful to look at, but it utilizes multi-touch functions to navigate the app, making it easier to use in the process. Plus, it syncs via iCloud as well, so you're covered there, too. If you're a fan of clean and simple, look no further.
Using the App
The first time you load it up, you'll get a little introduction panel that teaches you how to use the app itself. This comes in pretty handy, because there are a few different multi-touch features that are unique to the app, and chances are pretty good that you'll want to use them along the way.
Even if you forgo the fancy finger moves, the design still lends itself to ease of use. Held vertically, the month is displayed on the top of the screen while the bottom shows one of three different modes: week, full day or agenda. If you tilt your iPhone on its side, the app goes to week view, and you can easily flip through the different weeks with your finger.
Adding Appointments
Being a calendar app, it's pretty crucial that adding and removing appointments is a pretty straightforward process, and that's definitely the case. Hit the + button to the left of the calendar and you get a dialogue for a new appointment. The app is setup to make adding an appointment quickly a fast process, but should you need to get more detailed, well then the options list just opens up.
By tapping on the More button, you get a long list that gives you tons of options: which calendar, notes, repeating frequency, attendees, location, sharing, multiple alarms and so on. In my situation, I often like to have two or more alarms for each appointment, that way I have plenty of time to prepare. Say I need to get a story in for the site before a certain day. I can make a reminder for two days before, one day before, then four hours before — or whatever I chose. Flexibility is a nice feature to have.
Is It Really Fun to Use?
Well, this is where the app isn't quite as great for me. There are a few hiccups here and there, like with the multitouch features, for example. Pinching or pulling apart your thumb and forefinger (like you would zoom or widen out with the camera app) switches you between week, full day or agenda view on the main screen. But it doesn't always work, making it frustrating to navigate in the process.
Additionally, I find the red used in the app to be really jarring. There's just something about its frequency of use that takes me out of the simpleness of what I want this app to be from a design standpoint. That's completely subjective of course, but it's something that I ran into frequently.
Is It For Me?
There are tons of calendar apps out there, and Calvetica Calendar is really a pro model. If you are a hardcore calendar user, the flexibility and multiple options will really cause the app to shine, but more basic users should probably look elsewhere.
In an interesting twist, it seems like the people at Mysterious Trousers feel the same way. They have another app named Tempus that has the same basic design aesthetic, but is a little more stripped down than Calvetica. You can even compare the two on their website to see which one you prefer.
Do you prefer a more complex approach or something simpler? Do you have Calvetica Calendar and love it? Let us know in the comments below.
Your calendars, but with a better and prettier interface.
- Calvetica Calendar |
- $2.99 |
- Mysterious Trousers


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(This entry is part of an ongoing guest blog series I am writing for Aux and LCBO's Whisky Rocks.)
For my second stand-out entry in LCBO's Whisky Rocks contest, we're going to slow things down a bit. So, get that special tattooed, lip-ringed someone, hold them close, and get ready for sway-inducing "O'Brother" by The Snips.
The Snips are first-and-foremost a punk band, which you can definitely hear in frontman Ricky Pridmore's voice, but this song is a slow build, featuring a melancholy trumpet riff, and lyrics about lost love. Around the 3 minute mark, things start to speed up and intensify, culminating in a storm of instrumentation topped off with Pridmore's punk scream to remind you that this isn't just some "emo" tune.
The Snips have been around in various incarnations for about 10 years, which is more than enough time to perfect their live show. Expect sweaty dudes. A lot of arms pumping the air during the important parts. And moshing.
And this song, "O'Brother," isn't the only song from their new album to have get a video – they actually got 10 different directors to shoot a video for each of their 10 new songs. So, not only are they getting their music out there in a creative way, they're giving people in other creative fields a chance to express themselves, too.
So, maybe we should give The Snips a chance to express themselves and vote for them to open for The Trews! Isn't a punk show just what we need? MOSHPIT!


text: Are you girly or a tomboy? Are you girlie or tomboy find out here by answering these questions. Why does the description have to be so long Coopala published on August 31, 201613 responses 3 2.3★ / 5 Questions in vertical order Do you like shopping? Shopping is my life I could shoppe all day I injoy shopping but I would consider myself a tomboy No thanks there is better things to do then going shopping Do you like sports Yes I love sports No way sports are such a waste of time and it would mess up my hair Yes sports are so much fun especially with my friends You have the day of school off what do you do for the day Text my friends and see if they want to play sports Sleep and watch YouTube See if my friends want to come over Invite my friends over to paint our nails It's the first day of school what do you wear? Something casual but nice A nice dress I don't care. I hate school why dress nice for it Something fancy What's your favourite colour? PINK PINK PINK.. With sparkles Blue, green and teal Red orange yellow... Other What do you ask for at your birthday Nail polish designer cloths a mall gift card Money and lots of it I don't really care What would you like to have as a pet A kitten A small dog A snake A lizard A big dog A bird Other What is your dream car A convertible Lamborghini A truck Something I can afford Other I have always wanted a pink car Would you like to be a cheerleader No way Maybe Totally Are you popular at school Yes I have so many friends No I not very popular but I wish I was No and I dont want to be popular Do you have a boyfriend Yes he is so hot I wish Yes I have one No way all I need is friends


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Working with a customer recently and a sub-site had magically disappeared in their SharePoint 2010 environment, it wasn't available to recover from the Site Collection recycle bin so they had to use their 3rd party backup tool to recover the sub-site, they really wanted to discover which user had deleted the sub-site as nobody was confessing! Two of the common ways that a user can delete a sub-site are via Site Actions>Site Settings>Delete this site or Site Actions>Manage Content and Structure (If the Publishing Feature is activated).
If the user deleted the site via Site Actions>Site Settings>Delete this site then the easiest way to identify who deleted the sub-site is to use Log Parser - http://www.microsoft.com/en-us/download/details.aspx?id=24659 (the old tools are the best!) to query the IIS logs for requests to /_layouts/webdeleted.aspx.
In this specific case, they couldn't identify the user using the Log Parser which suggested that the sub-site may have been deleted via other means, it turned out that Manage Content and Structure had been used to delete the sub-site, in which case it's simply a matter of checking the logs via Site Settings>Content and Structure Logs in the root web of the Site Collection. As you can see from the screenshot below, the sub-site /sites/site/subsite was deleted by User ID 9.
The one problem with the logs is that it reports the ID of the user within the Site Collection, which isn't much use on it's own. I put together a simple PowerShell function that takes a Site Collection and User ID as a parameter and returns the actual username.
Execute the following in PowerShell and then run the GetUserbyID function passing the Site Collection URL and User ID.
ASNP *SharePoint* -EA SilentlyContinue
Function GetUserbyID
$RootWeb = Get-SPWeb $RootWebURL
$RootWeb.SiteUsers | Where {$_.ID -eq $ID}
In the example below, I identified the user as "CONTOSO\theculprit"
Brendan Griffin


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WORDLAB: Poetics of Identity with Joel McKerrow
Tuesday 12th Febuary 6 – 8.30pm
Pulp Fiction Books, Bread St, Edinburgh
£6 only, booking essential
WORDLAB is Inky Fingers' occasional series of professional workshops with visiting writers and performers. We try to bring you top quality sessions with excellent and experienced facilitators, and to keep prices low and participation high.
In February we're bringing you "The Poetics of Identity" with Joel McKerrow. Poetry is about more than just words and reactions. It is the process of forming who we are. We write the stories as they write us. This workshop is for both the beginner and the experienced to come and engage with the poetic process and the performative process and how they shape us. Joel McKerrow is an international touring performance poet who founded the Centre for Poetics and Justice and was the third ever Australian to represent his nation at the Individual World Poetry Slam Championships. He has been running workshops around the intersection of identity, poetics, formation and justice all over the world. (www.joelmckerrow.com)
Please book a place in advance by emailing email@example.com. The workshop is open to anyone of any level of experience, with places on a first-come-first-served basis.


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I Pledge to the Nation, You?
This Post is a new entry to the Mera Bharat Mahan contest in Blogadda.com , sponsored by Pringoo.com
Two weeks to the 64th Independence Day, take a quick look at where you are. Not personally, look where India as a nation has reached. Remember those leaders whose struggles won India our independence like Gandhiji. Would they have been happy seeing this India through your eyes? An India of Naxalism, an India of Political mishaps, an India were the problems like Poverty and Illiteracy haven't been answered fully yet, an India you live in now.
Another Independence Day is looming on us; the 15th of this month will be the 64th of its kind, marking the independence of the nation from all foreign states, troops, lords and rules. Back then a colonial state or rather a colony which had internal kingdoms fighting out the British for their individual glories, a handful of selfless national leaders rose above others and as struggles continued and as lives were taken, on the 15th of August 1947, the foreigners stepped out from our land. The struggles for survival and independence unified people more than anything and India as a nation was born and sadly broken away from it was the Muslim state- Pakistan.
Surely enough, the story has changed over the past 63 years and now, with increasing number of governmental talks and military deals between India and the world powers like USA, many get a sense of feeling (or a wrong sense?) that we as a nation is being wanted and more attention is coming from the international fraternity than ever back in the history, we start questioning ourselves, are we a Superpower now?
I wish there was a gauge like in those computer games, that printed out in the screen, "Mission 'India a Super Power' – 49% completed". Because people are more interested to know if India has crossed the line or not, in becoming a super power, many without even knowing what the two words jointly meant.
To the question, are we a super power now, all I have to say is I wouldn't want another nation to become a super power if becoming super power is about reaching the juncture India are in, right now!
Naxalism taking lives in the north east, cross-border terrorism and insurgency in Kashmir, an ever degrading national airline- Air India which finds the headline space of every newspaper and news channel for a wrong reason or the other, and so far and so forth. Let alone the Naxalism and Terrorism and Insurgency and an Air India which can be improvised with improved management and better budgets, there is another thing which is much more dangerous than all these, Politics.
Politics, day in and day out, is becoming the cheapest game in the nation, one in which the citizens have lost their faiths in. The politicians now are not ashamed to play the worst of the tricks for bulking their pockets but then a question arises in my mind. Would the likes of Sachin Tendulkar, A R Rahman & Shahrukh Khan have all been this famous and loved by the whole nation but for their wealth and the amazing cars that they drove? Of course!! They are stars and they have this stardom as a result of their hard works and efforts over a prolonged period of time and our politicians should take a leaf out of their lives and start doing something sensible, honest for the betterment of life in this nation, and not for improving the furniture in their own homes. Then, only then shall the nation start believing in their politicians, only then shall a politician be respected. One billion people shall cherish the names of those sincere politicians who bring about a change to this nation.
There is a Malayalam folk song about the days of Mahabali in power; it goes on like this,
Maaveli naadu vaaneedum kaalam…. (When Mahabali used to be the king of this land….)
Maanushar ellaarum onnu pole…. (People all are equal, no rich man, no lower caste….)
Aamodathode vasikkum kaalam…. (When people lived happily….)
and it went on…
Would it be too much of an ambition for me to see such a dream? A day, when India as a whole is united to the tiniest of aspects, when people live happily beyond all doubts. Will we ever have such a national leader, a President or a Prime Minister who unites us all, like the legendary Mahabali?
We the people of India have to make the change, speak the change, induct the change and feel the change, by and through our actions. Filmmakers should make meaningful and thoughtful films, because we the people watch them. Writers have to write the change because we the people read them. Singers should sing the change and poets should rhyme the change. Radios, Tv's & newspapers have all to spread the change, not as just another option, but as their Choice. Leaders have to come up and take up the responsibilities and work for the future, not to bulk up their pockets, but to make the nation a better one, for the wealth of the nation and then the state shall salute him, the people will respect him and his stories shall be told for generations by mothers and grandparents to the kids, for them to watch and grow.
I ask every one of you to pledge to this national cause, to initiate the change, not just to make India a super power, but more importantly to ensure that a father can send his daughter to a faraway university without fear, to ensure that the morning newspaper no longer have stories written in blood, to ensure that everyone, despite their color and creed and religion and caste and sex gets a chance to study what they like, do what they like and live the life they dreamt of…
Jai Hind!!


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For the first seven years since its reopening, from 1994 until 2001, Banco Filipino remained profitable:
Total Banking Income was up. Earnings were positive. It only began to lose money in 2002, when the
bank had to be rescued by the BSP.
Loans grew significantly, climbing 26 percent a year. In 1994, Loans stood at PHP 848 million. By 2002,
loans amounted to PHP 5.4 billion. Deposits grew even faster, by 31 percent a year. In 1994, the deposit
base was PHP 660 million. By 2002, the deposit base was PHP 5.75 billion.
Meanwhile, Acquired Assets grew just as fast, by 23 percent year. In 1994, Acquired Assets stood at PHP
580 million. By 2002, it stood at PHP 3 billion. Acquired Assets jumped by 83 percent in 2001, after the
BSP Comptrollership was lifted in 2000. In 2002, it jumped another 45%. By 2002, Acquired Assets made
up almost 25% of the bank's total asset base.
Acquired Assets grew so much that Asset Sales outstripped Banking Revenues by 2001. Banco Filipino
looked and performed more like a real estate company and less like a bank.
Without Acquired Asset Income, Banco Filipino was actually losing money, starting in 2000. In 2000, Net
Income, net of Acquired Asset Income, was a net loss of PHP 431 million. In 2001, the loss tripled to PHP
1.5 billion. In 2002, it lost PHP 1.1 billion.
Banco Filipino's liquidity position was severely reduced by the conversion of liquid earning assets into
Acquired Assets. Its Quick Assets to Total Deposits Ratio, which measures the ability to meet deposit
withdrawals, declined steeply. In 1994, that ratio stood at a healthy 91.6 percent. By 2001, the ratio was
down to only 22.6 percent. In 2002, it was even lower: 12.2 percent. The largest percentage drops in
liquidity occured in 2001 - approximately negative 41.6 percent. And in 2002, liquidity dropped another
45.8 percent.
So liquidity was already very poor by the time the BSP extended a 180-day special liquidity facility to
Banco Filipino on December 2, 2002. Of the PHP 3.5 billion package, PHP 1.34 billion was availed of in
2002. By June 19, 2003, Banco Filipino met most definitions of insolvency: 81 percent of its total loan
portfolio was non-performing, 67 percent of its total loan portfolio was classified as DOSRI or insider
loans. The DOSRI loans were concentrated among just 17 borrowers.
Banco Filipino's troubles in 2002 were not caused by poor management, or by a liquidity crisis, or by a
smear campaign. It was caused by fraud.
In 2002 and 2003, minority shareholder Ana Maria Aguirre Koruga, asked the BSP to investigate the
bank. She claimed that Banco Filipino's management and directors had: One, engaged in unsafe,
unsound, and even fraudulent banking practices. Two, engaged in self-dealing. Three, violated banking
laws prohibiting or limiting DOSRI transactions, put the bank and its depositors in jeopardy. The minority
shareholder sued not just Banco Filipino's board and management, but also, sued both the BSP and the
Monetary Board to replace current board and management and place the bank under receivership.
The complaint documented around PHP 1.95 billion in loans to six dummy borrower corporations made
from 2000 to 2002.
These six dummy corporations all operated on a similar modus operandi: Lend favorably to Dummy
Corporations affiliated with Banco Filipino Vice-Chairman Bobby Aguirre. These dummy corporations did
not have the financial capacity to justify the loans at the time of loan approval. The dummy corporations
would then provide Banco Filipino with collateral properties from other corporations affiliated with Banco
Filipino Vice Chairman Bobby Aguirre. The bank would then appraise the collateral properties at inflated
valuations. The dummy corporations would not pay any interest or principal on the loans. Instead, they
would settle their loan obligations via Dacion en Pago within months of loan approval.
This modus operandi became the preferred method for drawing large amounts of cash out of Banco
Filipino for the benefit of BF Vice Chairman Bobby Aguirre. It was a way of disposing or selling unsaleable
real estate to Banco Filipino. It allowed Banco Filipino to continue to reflect a profit and deflect regulatory
The Dacions made by the Dummy Corporations explain the jump in Acquired Assets from 2000 to 2002
The six dummy corporations had no financial capacity to justify the loans at the time of loan approval.
On the balance sheet side, The size of their assets were small relative to the size of the loan. Paid-up
capital was also small relative to the size of the loan. For instance, one dummy corporation had assets
and paid-up capital of less than PHP 1.0 million in the year before it received a PHP 350 million loan from
Banco Filipino.
On the income statement side, net sales was minimal. Net Income was often negligible or even negative.
Dummy Corporation BF Home Depot had no revenues and had lost PHP 1.0 million the year before it
received a loan of PHP 359 million from Banco Filipino.
The dummy corporations had a common cast of interlocking directors and officers.
This common cast of characters all have business and personal links to BF Vice-Chairman Albert C.
Dummy Corporations all had interlocking ownerships. In other words, they own or are owned by other
dummy corporations that have borrowed, defaulted, and settled their loan obligations via dacion en pago.
For instance, Taurus Land, which borrowed PHP 270 million, owned 81 percent of Glamor World, which
also borrowed PHP 270 million. Glamor World, in turns owns 74 percent of its parent, Taurus Land.
The Dummy Corporations all had common corporate addresses. Filipino Vastland listed its corporate
address as 1015 Executive Center, Tropical Avenue, Las Pinas City - the personal residence of Banco
Filipino Vice Chairman Bobby Aguirre.
The loan proceeds were not applied to the borrower's stated purposes. For instance, BF Home Depot,
which was approved for a PHP 359 million loan on March 24, 2000 for the purpose of financing inventory
to stock a retail establishment selling home furnishings and fixtures. BF Home Depot never paid any
interest or principal on the loans but settled its loans via Dacion en Pago on July 24, 2001. The site of its
proposed retail establishment has remained a chicken coop years after loan disbursement.
Collateral was provided by corporations related to Albert C. Aguirre.
Collateral values were often grossly over inflated at the time of loan approval.
The loans were often settled via dacion within months of the loan release. In the case of Glamor World,
which borrowed PHP 270 million, the time from loan release to dacion took only 22 days!
Given these dubious transactions, it is not surprising that Banco Filipino needed BSP's help in 2002. It
would not be surprising if there were many more such dubious transactions. However, BSP did nothing to
address the concerns of the minority shareholders. It reinstalled a Comptroller as a condition of the
emergency loans it extended in December 2002.
Meanwhile, Banco Filipino operations continued to deteriorate. Losses accumulated, reaching PHP 12.1
billion from 2003 to 2008. From 2007 to 2010, losses vastly exceeded its capital base of PHP 1.6 billion
as of March 2004 every year. It lost PHP 4.2 billion in 2007, PHP 2.4 billion in 2008, PHP 2.6 billion in
2009, and PHP 2.7 billion for the first nine months of 2010.
Banco Filipino's loan portfolio has remained stagnant despite the PHP 9.2 billion growth in deposits. With
NPLs at 77 percent, the bank had very little in terms of unencumbered earning assets to generate
additional banking revenue and curb losses. BSP characterized this as a ponzi scheme. The bank was
kept alive by the infusion of new deposits. The bank grew deposits by offering interest rates as much as
5.75% above market rates.
BSP had many chances to close the bank. The bank could have been closed in 2002, when the bank
experienced a run and was rescued by BSP. It could have been closed in 2004, when 86% of the loans
were non-performing. It could have been closed in 2007, when losses reached PHP 4.2 billion. Or it could
have been closed in the first quarter of 2009, when the bank experienced another liquidity crisis and
needed a cumulative total of PHP 4.1 billion in Overnight Clearing Lines from the BSP.
BSP cited the need for complete due process as a rationale for the long closure process of Banco
Filipino. It claimed that the standard of extraordinary diligence in banking supervision was a factor for the
length of time it took to close Banco Filipino. This due process took almost nine years. This process was
so long and slow to the point of negligence. It also enlarged the problem.
Had Banco Filipino been closed earlier, the ultimate cost to uninsured depositors may not have been as
big. At the time of closure, the estimated deposit base of Banco Filipino was PHP 15 billion, or PHP 8.5
billion bigger than its deposit base of PHP 6.5 billion in 2004. The estimated uninsured deposit base at
the time of closure was PHP 5.6 billion or roughly 86 percent of the 2004 total deposit base. PDIC could
have saved a substantial portion of the estimated PHP 9.4 billion it has to pay out to insured depositors
from its deposit insurance fund and from public funds.
The regulators were impotent with Banco Filipino. They could not compel the bank, a publicly-listed firm in
a highly regulated sector to change management responsible for the bank's precarious financial condition.
They could not get Banco Filipino to significantly reduce Executive Compensation running at PHP 600
million a year while the bank was losing over PHP 2.0 billion a year every year. BSP could not persuade
Banco Filipino to realize the supposed value of its acquired assets through genuine asset sales that will
recapitalize the bank with hard cash, instead of inflated properties. It could not mandate Banco Filipino to
reverse the deferment of its PHP 12.1 billion in operating losses despite numerous Monetary Board
directives to do so. BSP could not get Banco Filipino to issue audited financial statements since 2002. It
did not force Banco Filipino to resume holding formal board meetings that have not taken place since
2002. It could not do this despite the presence of a BSP installed Comptroller as a condition of the rescue
package it extended Banco Filipino in 2002.
Banco Filipino faced no repercussions for its actions. It correctly assumed that financial assistance will
always be forthcoming. As late as September 2010, despite no visible improvement in the bank's
operations, Banco Filipino was able to negotiate a rehabilitation plan with BSP and the Monetary Board
that seemed to leave the bank's board and management intact, allow the deferral or capitalization of
losses, allow the recapitalization of the bank with real estate properties. The main reason why this plan
was not operationalized was only because Banco Filipino refused to drop its PHP 18 billion damage suit
against BSP and its officials as BSP's precondition for the adoption of the rehabilitation plan.
The only thing that had changed was that Banco Filipino, at that time, seemed willing to drop its damage
claim against the BSP as a precondition of the adoption of the rehabilitation plan. It seems that the
regulators overriding concern was the removal of the risk of punitive litigation and legal harassment. That
concern overshadowed the safety and soundness of the banking system, the defrauding of minority
investors, and the depletion of the deposit insurance funds.
Meanwhile, the minority shareholders were stymied at every turn. Their fraud complaint was
characterized by both the media and by the regulators as a family squabble among the members of the
Aguirre family. The real issue, however, was massive fraud. The BSP and the Monetary Board blocked
numerous efforts of minority shareholders to assess the true financial condition of the bank and bring
about a change in bank management and policies.
On June 19, 2009, in the case "Koruga vs. Arcenas", the Supreme Court ruled that all bank fraud cases
are the exclusive jurisdiction of the BSP. The minority shareholder had no recourse to the Regional Trial
Courts even if the BSP did not act on their complaints. This means that the BSP is the sole venue for
resolving disputes among bank shareholders. This ruling applies to all bank fraud cases. It represents a
severe diminution of investor protections, particularly for foreign investors who lack the political
connections of their local partners. It may dissuade further investment into the Philippine Banking Sector.
Regulators want Congress to amend the degree of diligence required from BSP and its officers in bank
supervision duties from extraordinary to reasonable. It also wants better mechanisms for the quick
resolution of problem banks. For instance, PDIC supports a Closed Bank Liquidation Act that ties all laws
with respect to bank liquidation in one comprehensive act.
The System is Broken. Bank management can commit fraud with relative impunity. Regulators are
reluctant to act in a timely manner for fear of years of punitive litigation and legal harassment. Minority
Shareholders have no legal recourse to fight bank fraud if the regulators refuse to act.
This will lead to a continued erosion of confidence in the banking system. It fosters a control fraud
environment wherein a bank owner or executive uses the bank he controls as a weapon to commit fraud.
A determined and criminally minded bank owner can steal from his own bank and get away with it. The
fraud will exist and go unreported for years on end. Regulators are unable to stop the fraud. Fraud only
stops when the bank collapses.
In the Philippines, the best way to rob a bank might be to own one.


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Call for Entries :: 9th Photographic Image Biennial
October 15, 2014
East Carolina has put out the call for entries for their 9th Photographic Image Biennial. It is sure to be a wonderful exhibit. Please click on the link below to read more about it! Click HERE to download a prospectus. Advertisements


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I'm still nursing my 9 month old. I've always had "enough" milk, but it never hurts to be ahead of the game… I've found several lactation cookie recipes online, but the ones I could find always had flour and I wasn't overly impressed. I'm not against flour – but sometimes I feel weighed down by it. And I tend to eat more than one cookie. So, I came up with a new recipe. They taste amazing and definitely don't weight you down. I keep these in the freezer and snack on them probably more than I should.
Blend almond butter, butter and sugar
Splash of vanilla
Brewers Yeast and flax
Oatmeal, salt and baking soda
Flourless Lactation Cookies
- No Flour Lactation Cookies
- 2 eggs
- 1 cup coconut sugar or sucanat
- ⅔ cup almond butter
- ¼ cup butter
- 1 tsp soda
- 1 tsp vanilla
- ½ tsp salt
- 1¾ cups oatmeal (I use gluten free)
- ¼ cup brewers yeast
- 1 cup or so of chocolate chips
- Blend the butter, peanut butter and sugar of choice until light and fluffy.
- Add in the eggs and mix well.
- Add in the rest of the ingredients until thoroughly blended.
- Bake at 350 for about 10-12 minutes.
- Sometimes I add in a couple of tablespoons on flax seed if I have it.


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Anti-Trump protests have continued in US with hundreds of students in several US states, including California and Maryland, walked out of classrooms on Monday to protest Donald Trump's election as president.
Students in east Los Angeles, some of them carrying signs that read "Rise Up" and "Together We Stand" as well as American and Mexican flags, marched peacefully to a plaza in Boyle Heights, a predominantly Hispanic neighbourhood.
Other similar protests took place in Portland, Oregon as well as in Silver Spring, Maryland, reflecting the emotions that are still running high one week after Trump's presidential win.
"Although it has been nearly a week since the presidential election, many students remain concerned about the outcome and want their voices to be heard," said Michelle King, superintendent of the Los Angeles Unified School District.
"These are important conversations that need to take place. We want our students to know they are not alone. However, it is critical that students not allow their sentiments to derail their education or for their actions to place them in danger."
Local Media in Maryland showed hundreds of students from five high schools marching through the city of Silver Spring.some carrying signs that read "Not My President" and at times blocking traffic. Bystanders shouted words of encouragement while some motorists honked their horn in approval.
Some of the students, and at times blocking the traffic, carried signs that read "Not My President".
Bystanders shouted words of encouragement while some motorists honked their horn in approval.
The students could be heard chanting "we reject the president-elect."
Maryland school officials said the students all face disciplinary action unless they have an excused absence from their parents.
Monday's protests follow similar demonstrations that have taken place across the country in the wake of Trump's election, which will go down as the biggest upset in modern political history.
Protesters have denounced Trump's often-inflammatory campaign rhetoric about immigrants, Muslims and women.
"We will not accept Trump's sexism, racism, his put-down of LGBT folks," one student told the ABC7 news channel in Los Angeles on Monday.
Evelin Miranda, 16, of Los Angeles, said she was scared for her parents who are immigrants.
"I want to tell people that we don't want Donald Trump as our president," she told the Los Angeles Times. "Because he's racist and I have immigrant parents and I'm afraid that I might lose them."
Trump initially denounced the protests against him, saying they were "incited" by the media but then reversed course on Friday and praised the demonstrators for their "passion for our great country."


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Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Be the first MLive.com user to add photos or videos of Lawton Golf Club
Nice home town golf course. Perfect for a short course with hometown atmosphere yet challenging.. Very reasonable.
If you want to get out for a quick round or just work on your game, this is a great course to visit. Although a short 9 hole course it does provide a challenge unlike the "straight down, straight back, grip and rip" kind of courses. Water plays in to three holes and not much sand to deal with but...
Lawton Golf Club was founded in 1990. Lawton Golf Club specializes in Public Golf Courses.
Lawton Golf Club can be found at N Main St 1020. The following is offered: Golf Driving Ranges. The entry is present with us since Sep 9, 2010 and was last updated on Nov 14, 2013. In Lawton there are 1 other Golf Driving Ranges. An overview can be found here.


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10 February 2014
SCVO and GCU partner on the MSc in Citizenship and Human Rights programme
Under international law, countries across the world have a duty to ensure they respect, protect and fulfil our human rights.
Despite this, hunger remains the top health risk in the world today. One in every eight people across the world do not eat enough to be healthy – that is 870 million people, most of whom are living in developing countries.
Join the Scottish Council for Voluntary Organisations (SCVO) and Glasgow Caledonian University (GCU) at The Gathering 2014 for an informed and challenging debate exploring the role of human rights in tackling hunger, food security and poverty.
Looking ahead, the impact of climate change, competing priorities over land use and the strain that population growth is putting on natural resources all mean that food security is one of the biggest challenges we face.
The debate takes place at The Gathering on 19th February at the SECC in Glasgow. Register for the event.
The debate will be chaired by Peter Kelly, Director of The Poverty Alliance, and will feature Morag Gillespie, Senior Research Fellow at Glasgow Caledonian University, Ewan Gurr, Scotland Development Officer at The Trussell Trust, Mike Small, Director of Fife Diet, and David Lamb, Senior Food Marketing Consultant at Scotland's Rural College. A closing summary will be provided by Duncan Wilson, Head of Strategy and Legal at the Scottish Human Rights Commission.
Join SCVO and Glasgow Caledonian University in our continuing series of thought-provoking human rights debates in conjunction with our work-based MSc Citizenship and Human Rights.
The Gathering is a free annual event, organised by SCVO, for the third sector.


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I learn how to eat Vegemite properly and where rugby got its name with high school friend Amy Keeble. I try my hand at an awful Australian accent, and we quiz each other on Down Under vocabulary. Grab your Billabong board shorts and a chockie-bickie and settle in. You'll be DEVO if you miss out on this one. When in doubt, just remember: Hugh Jackman = GOOD.
Pop culture recommendations:
Amy: "The Office" and "Parks and Recreation"
Becca: "Dime Store Cowgirl" by Kacey Musgraves, "Veep" and "Silicon Valley"
Follow me: @BeccaPattonSays
Follow the show: @pop_cartography
Email me: email@example.com
Theme song: "How it Goes" by Lauren Mann
Podcast artwork by Molly Hoy


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Filament winding is a very fast and efficient method of laying down resin and reinforcements to create strong, lightweight composite products. Windings are limited to the size of the machine and the rotating mandrel. Parts requiring mandrels of more than 30 m (100 ft) in diameter generally are wound at the site of the installation. Filament-wound parts provide high fibre volume fractions (up to 80%) and precisely controlled fibre orientation.
In the filament winding process, continuous strands of resin-impregnated glass fibre, carbon fibre or other reinforcements are wound under tension onto the mandrel in precise geometric patterns to build up the part. Once the desired winding thickness is achieved, the winder stops, the part is allowed to cure, and the mandrel is removed using an extractor. Mandrels can be left inside the winding to become an integral part of the component. Collapsible mandrels facilitate the job of extraction.
The rovings are fed from multiple spools positioned on a creel, through a tensioning system. A bath of catalysed low-viscosity thermoset resin is typically used to wet out the strands, although thermoplastic resin pre-impregnated tow preg materials can be used. For faster winding, dry fibres can be sprayed with resin as they are applied to the mandrel.
Multi-axis filament winding systems offer the ability to fabricate parts with up to six axes of motion control for the production of higher-performance pressure tanks and non-symmetrical components. Advances in winding software and computer numerical control enable the filament winding of such products as pipe elbows and other curved shapes.
Source: www.materialstoday.com


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ACC Football: Elvis, a Future Prez, and Ailin' Deacs
Of the many things said about ACC football this season -- and we've said some ourselves and will likely say more in the near future -- this is one of the more original from The State: ACC football schools set to Elvis tunes. Now I've never been much of an Elvis fan (he ain't no Johnny Cash), but any combination of music and college football is OK with me.
Here are some highlights (or, at least, the schools we cover):
Maryland ... "Flip, Flop and Fly." — What to make of Maryland? The Terps are the only team in the country that have flipped three Top 25 teams, although California was No. 23, Clemson No. 20 and Wake Forest No. 21. Unfortunately for Maryland, it also flopped in a loss to Middle Tennessee and a shutout defeat against Virginia. Go figure.
Virginia ... "A Mess of Blues" — Consecutive wins against Maryland, East Carolina and North Carolina have brightened the skies over Charlottesville. At 4-3, the Cavaliers still face an uphill battle to reach bowl-eligible status in what could be the eighth and final season for coach Al Groh.
Virginia Tech ... "There's Gold in the Mountains" — There truly are no rebuilding seasons under Frank Beamer. Just when we thought Virginia Tech might slip a bit and not challenge for the ACC title, here it is at 5-2 and right in the thick of the Coastal Division race. It is entirely possible Virginia Tech will win 10 or more games for a fifth consecutive season and 10th time in 14 years. Hey, there's gold in those mountains.
And because we don't have a presidential debate this week to allow Prisbell to do one of his crazy polls, here's a different notion: N.C. State quarterback Russell Wilson for President.
Finally there's this: Maryland's Kevin Barnes wasn't the only player hurting after Saturday's victory over Wake Forest. The Demon Deacons are dealing with significant injuries of their own. Why does that matter? Because most agree Wake Forest has the easiest road the rest of the season, but one more conference loss would give the Terps a cushion in the Atlantic Division, one they will likely need if their season-long inconsistency continues.
Matthew Rennie
October 22, 2008; 9:28 AM ET
Categories: Football
Save & Share: Previous: What Does the Barnes Injury Mean for Maryland's Chances?
Next: For Terps, Here We Go Again
Matt or Eric,
Any idea how many tickets are available for Saturday's game? I'm wondering if we'll have a better crowd than the last few games.
Posted by: Greg | October 22, 2008 9:30 AM | Report abuse
With the weather calling for rain on Saturday, I doubt there will be a good crowd. Our fans tend to be fickle even in good weather.
Posted by: ewg | October 22, 2008 9:44 AM | Report abuse
Some things working in favor of a large crowd Saturday:
Homecoming, later start time, coming off a win, chance to be bowl eligible.
Posted by: Greg | October 22, 2008 10:01 AM | Report abuse
I was rooting for Virginia Tech the other night and expecting a usual highly competent Behmer team. What I saw was a weak, disorganized, poorly QBacked team. I was just sorry for that sad sack of a group. They may get better but as of now only a miracle will get them any where decent this year. IMO
Posted by: Win | October 22, 2008 1:16 PM | Report abuse
Virginia Tech should be "Jailhouse Rock". No further explanation should be necessary, just look at their police blotter!
Posted by: Yeah Terps! | October 22, 2008 1:49 PM | Report abuse
NC State -- 27
Maryland - 10
Maryland will finish with a 5-7 record.
I am extremely happy that Penn State is ranked number 3 in the country - and very soon to be ranked number one --- this will definitely hurt Maryland's recruiting - thank god !!!
I am happy that Maryland is no longer recruiting Tavon Austin.
Jelani Jenkins, Travis Hawkins and Isaac Holmes will be signing with the University of Florida.
Go Tar Heels
Posted by: hclark1 | October 23, 2008 3:57 PM | Report abuse
The comments to this entry are closed.


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What started my fun weekend was a Friday night with my lady friends! I am organizing a charity dinner for a local charity/auction here in Bydgoszcz and the other day I helping finalize the menu for the dinner where we having it. Well the restaurant, Pod Papugami(if you need a good laugh, Google translate it to English), I guess does these dancing/music dinner nights. They happen to have a Egyptian night flyer up. So quick asked about it and then I quickly got on my phone and did some calls to friends to have a ladies night out(my hubby was out-of-town on business).
Friday night I realized as 8 different friends from completely different walks of my life(church, my kid's school, my husband's job and a blog reader) sat around the table how completely blessed I am. Living in a foreign country it is completely easy to isolate yourself and make yourself miserable but because of friends like these, I am truly in no hurry to leave Poland!!
Well back to the show….
Click HERE to see a YouTube clip of Kimo doing his never ending spin.
I cannot remember the last time I did a ladies night out but I defiantly need to do it more than once every couple of years.
I already know what my husband and I will be doing one of our date nights in November, Pod Pagugami is doing a Portuguese night. If it is anything like this night, it is going to be a fun night.
I was not compensated in any way by the restaurant for this post, I just had that good of a night and enjoyed the food that much.
What is your favorite music to dance too? I am a mix of club music and country. Strange huh?


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To create a venue, you don't need to be the owner or manager of the venue. But you do need the following pieces of information:
- Name of venue
- Address
All of the other information is optional. You don't need to add a picture for the venue but it's better if you can, since it makes the whole event listings look higher quality.
If you are the owner or manager of the venue: Once you've created the venue, you can claim it.


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After an exciting three point weekend against Alaska, Bowling Green now finds themselves sitting at #7 in the weekly USCHO.com poll. They received 642 total points.
The brown and orange were ranked #11 last week, compiling 452 points.
Joining the Falcons in the USCHO poll were Minnesota State (#1 – 937 pts.) and Michigan Tech (#11 – 496 pts.). Northern Michigan received 15 points and sat outside the top-20.
In the USA Today/USA Hockey Magazine Poll the Falcons jumped to #8 with 249 points. This was a six place jump as they were ranked #14 just a week prior.
WCHA members Minnesota State (#1 – 477 pts.) and Michigan Tech (#11 – 144 pts.) joined Bowling Green on the USA Today/USA Hockey Magazine Poll. Northern Michigan received three points but were unranked.
This is the first top-10 rankings for Bowling Green in the USCHO and USA Today/USA Hockey Magazine polls, and is believed to be the first top ten appearance in any poll since the 1991 season.


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NEW YORK (WFAN) — Knicks fans can rest easy. According to the New York Post, James Dolan "has given up on the idea of hiring back Isiah Thomas in any capacity."
"(Knicks president Donnie) Walsh … is confident he no longer needs to be threatened by the dark cloud of Thomas, according to two people familiar with the situation," the paper reported. "Walsh is expected to be granted permission to hire his successor as a central part of a new agreement that should be formally announced shortly."
Walsh's current contract expires June 30.
When Knicks owner James Dolan met with Carmelo Anthony before New York's blockbuster trade, there were reports he had taken control away from Walsh — with former team president and coach Thomas advising him — and offered the Nuggets more than Walsh was prepared to.
"While Isiah Thomas is a friend of mine, a very good friend of mine, he was not at all involved in this process," Dolan said afterward.
According to the paper, Dolan is still on good terms with Thomas "but no longer trusts him to the point of giving him another basketball job."
In just three seasons, Walsh turned a team that overspent and underachieved into what Amar'e Stoudemire and Anthony believe is now a desired destination among NBA players.
"Absolutely. Donnie has done a phenomenal job. He's one of the main reasons why I'm here in New York and how we have turned the Knicks franchise around," Stoudemire said after the team's playoff ouster. "And coach D'Antoni is the reason why we have a winning record and had a chance to do something special in the playoffs if it wasn't for a few injuries. So I definitely think that both of those guys will be back for next season."
Good news for Knicks fans? Sound off in the comments below…
(TM and Copyright 2011 CBS Radio Inc. and its relevant subsidiaries. CBS RADIO and EYE Logo TM and Copyright 2011 CBS Broadcasting Inc. Used under license. All Rights Reserved. This material may not be published, broadcast, rewritten, or redistributed. The Associated Press contributed to this report.)


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Bahamas bans commercial shark fishing to protect tourism
The government of the Bahamas said Tuesday it will prohibit all commercial shark fishing in its more than 240,000 square miles of waters.
The decision, announced by Lawrence Cartwright, minister of agriculture and marine resources, came following a media blitz by environmental groups and a petition signed by 5,000 Bahamian residents.
About 40 species of sharks live in the waters of the island nation, whose Bimini chain is only about 50 miles from Miami. Tourism revenue from divers who pay to swim with sharks is estimated at $80 million annually.
Although the Bahamas has banned commercial longline fishing for nearly 20 years and established a network of marine parks, there was no previous law that specifically protected sharks. Then last fall, a Bahamian seafood company floated the idea of exporting sharks to feed the demand for shark fin soup in the Far East. That prompted the Bahamas National Trust — which is comparable to the National Park Service in the U.S. — and the U.S.-based Pew Environmental Group to launch a petition drive and media campaign to push for the shark-fishing ban.
Read the full story at MiamiHerald.com


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Reviews written by MizShrew
1 results - showing 1 - 1
Vegan Butter Recipes
MizShrew May 11, 2013
unrefined version OK for baking?
Just tried this and overall it seems great texture-wise, etc. -- except that I used unrefined coconut oil (didn't think to check until I was in the process of melting it so I just kept going) so it tastes pretty strongly of coconut. Would this variation still work if I'm using it to make a crumble topping or tart crust or something where the coconut flavor would be a welcome addition? Or will the unrefined oil behave in some not-good way when baking?
Thanks so much for all of your research and recipes... will definitely try again with the specified unrefined coconut oil!
1 results - showing 1 - 1


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What can we learn from the success of Federer at Wimbledon, the dominance of Tiger Woods and the ups and downs of English cricket? People have drawn parallels between sport and business for years but their focus has mostly been on teamwork and motivation. These are important but I've tried to look for some deeper connections between these two worlds to provide some practical tips for business leaders.
I've highlighted 7 such connections:
- performance
- organisation
- focus
- skill development
- leadership
- partnerships
- the mental game
This is the basis of an 80 page guide I've written aimed at businesses large and small. The basic premise of '7 Pillars...' is that by embracing competition, extolling the virtues of developing potential and highlighting the role of psychology in performance, sport can teach us valuable lessons. Muhammad Ali's rope-a-dope tactic during his fight against George Foreman in 1974 was a brave strategy but the 'Rumble in the Jungle' showed Ali's tremendous self-belief in the face of doubters. Or take Jonny Wilkinson, he visualises his outcome before he executes a penalty kick. Top athletes work hard to develop new skills whereas most businesses expect employees to learn how to sell by attending a seminar!
The recession has made things more competitive and some players face relegation. But that creates an opportunity for those willing to adapt and outwit the opposition.
Here are a couple of excerpts from the book:On our attitude to training
Many years ago, a young American footballer complained to one of his team mates that the coach was forever on his back, always giving him a hard time. His colleague replied that the only reason the coach was on the boy's case was that he thought he had some potential. If he didn't feel you had something, he'd just ignore you.
The point is that it's a huge compliment to have a company want to invest in you. They see some potential. You should embrace it. Develop a thirst for learning and a curiosity to learn about yourself and your capabilities.
On the importance of 'focus'
Roger Federer doesn't book his own flights, accommodation, car hire and travel insurance. He's far too busy doing what he gets paid for – playing tennis! This is where he creates VALUE and in business you've got to look at it the same way. It's a common problem faced by people who excel at something (sculpture, baking bread, photography, design) and decide to go into business. Soon enough you're burdened with accounts, insurance, health & safety, telephone systems and employment law. Or you might decide to cut costs by getting rid of the contract cleaner and doing the work yourself.
All these things distract you from the value-producing element of what you do. It's something the time management consultants remind us to ask ourselves – is this the best use of my time, right now?
I think there's much that we can take from pro sport, a world that:
- embraces competition and takes seriously the view that we're performing in front of an audience
- extols the virtues of developing people, of nurturing talent and of recognising the value of skills
- accepts that whatever raw talent and skills we have, we'll never perform at our best without the right mind-set
Andrew Thorpe is a former Ryder Cup referee, now a business speaker and communication skills trainer based in Macclesfield, Cheshire. Copies of The 7 Pillars of Sporting Success: and how to apply them in business are priced at £4.99 and are available direct from the author.Andrew Thorp
Mob: 07968 083376


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I'm sure, like us girls at The Amazing Blog, that many of you have used Argan Oil as a treatment on your hair, but have you ever considered using it on your face and body? Alassala, Arabic for 'authenticity and originality', have produced an Organic Moroccan Argan Oil for Face and Body, a natural oil especially made for your skin.
Alassala believe that beauty products should be natural, and as such, the Argan Oil is 100% natural and so it is free of chemical nasties that you can find in some similar products. It is rich in vitamin E, Omega acids and anti-oxidants and is unperfumed making it suitable for sensitive skin too.
Argan Oil can be used to ease numerous conditions, such as reducing the appearance of pores and wrinkles, smoothing and calming irritated skin, removing scars, stretch marks, blotches and age spots and can relieve skin conditions such as eczema and psoriasis. The product comes with a pump applicator so there is no spillage or waste. It can be used twice daily in your skin care routine and it is good as a base before you apply your make up. The Moroccan Argan Oil comes in a 50ml bottle costing £16.99, which can be purchased from the Alassala website.


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Reserve Bank of Australia Balancing Act
How will the Reserve Bank of Australia (RBA) balance the risk of a Sydney housing "bubble" against the otherwise sluggish Australian economy?
Yesterday (Monday 1st June, 2015) Treasury Secretary, John Fraser, declared that Sydney and parts of Melbourne were "unequivocally" a residential property bubble. He not only warned of a bubble but said there was unequivocal evidence that one existed. This is one of the strongest official warnings I've seen of a Sydney, and potentially partial Melbourne, property price bubble, however, it must be noted that this is not representative of the rest of Australia's property market at the time of writing.
These comments follow comments by Greg Medcraft, the usually reserved chairman of the Australian Securities and Investments Commission (ASIC), a couple of weeks ago with warnings about a housing "bubble" in Sydney and to a lesser extent Melbourne.
The RBAs balancing act comes as all other economic signals indicate further rate cuts are more than just a possibility this year, however further cuts to the historic low interest rate may continue to fuel this Sydney residential housing "bubble" at a time when personal debt levels are also at very high levels again.
Interest rate changes are considered a "blunt" monetary policy instrument and therefore the RBA will have to consider the broader Australian economy, as they can't laser target particular areas of the economy with interest rate changes.
So what will they do at today's RBA rate meeting ??
I don't believe the RBA will drop interest rates at todays June 2015 rates meeting however, given the following economic conditions I do believe we will see a further cut to the historic low rates before the end of 2015
- the continuing sluggish Australian economy
- sharp declines in resource-related capital expenditure
- business investment in Australia contracting at its fastest rate in more than five years and no signs of improvement any time soon (The latest Australian Bureau of Statistics (ABS) Capital Expenditure Survey revealed total real capital expenditure fell by 4.4% and resource-related investment plunged nearly 14% compared with the same time last year. In addition, UBS chief economist Scott Haslem described the latest estimate of investment plans in Australia as "recessionary", after being "bleak" last time)
- continued increased unemployment levels which do not appear to have peaked as yet
- subdued inflation figures and
- an Australian dollar which although nowhere near prior highs (as I write this article the AUD is a little above 0.76 cents), is still likely to be higher than the RBAs preferred levels.
As always we don't have a crystal ball however, I do strongly feel the RBA will leave rates on hold today and continue to monitor the effects of prior rate cuts and broader economic factors before the next move on the Australian interest rate.
ASX RBA Rate Indicator
The RBA Rate Indicator shows market expectations of a change in the Official Cash Rate (OCR) set by the Reserve Bank of Australia (RBA). The indicator calculates a percentage probability of an RBA interest rate change based on the market determined prices in the ASX 30 Day Interbank Cash Rate Futures.
What is the RBA Rate Indicator saying today?
As at 9 January 2015, the ASX 30 Day Interbank Cash Rate Futures February 2015 contract was trading at 97.540, indicating an 18% expectation of an interest rate decrease to 2.25% at the next RBA Board meeting. There is also an 82% expectation of "No Change" at the next RBA Board meeting. Source: ASX
The next Official Cash Rate announcement will be on the 3rd of February 2015.
The table below highlights how market expectations of an interest rate decrease at the next RBA Board meeting (February 2015) has evolved in recent days prior to 9th January 2015.
|Trading Day
|No Change
|Decrease to 2.25%
|30 December
|31 December
|2 January
|5 January
|6 January
|7 January
|8 January
|9 January
Source: ASX
Calculations for ASX Target Rate Tracker (Based on 30 Day Interbank Cash Rate Futures)
The expectation of a rate change by the RBA is calculated by taking into account the number of days the RBA Target Cash Rate is known versus the number of days in the month that it is unknown ie: the number of days before and after the RBA Board Meeting. By incorporating this time factor into a probability equation the following formula can be used to determine current market expectations on whether or not the RBA will change the Target Cash Rate:
rt * n b + {r(t + 1) p + rt(1 – p)} * na = X
Solve for p, where:
p = probability of rate change
X = current yield on 30 Day Interbank Cash Rate Futures
rt = current known Target Cash Rate (%)
r(t + 1) = expected new Target Cash Rate (%)
nb = fraction of month where target rate is known (ie: before RBA official rate announcement), eg: 2/31 for December 2003
na = fraction of month where target rate is unknown (ie: after RBA official rate announcement), eg: 29/31 for December 2003
Source: ASX


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Gazebo Versatility
There are many different choices when it comes to Gazebos to showcase your brand. From indoor to outdoor stability, the market has come a long way! The frames are made from furniture grade PVC, with marine grade counters, and digital graphic options. They are durable so you can use them either indoors or out. Gazebos are a great way to maximize your "graphic real estate" with digitally printed vinyl skirts and valances.
Baby Gazebo
The Baby Gazebo Is a versatile option that packs a big punch! This product will fit well in a 10'x10' space and is sure to draw attention with the printed graphic package or with solid color vinyl. The Baby Gazebo has approximately 107 square feet of advertising space. This unit can be equipped with 3 counters or you can upgrade to a Deluxe and get 5 counters, good for storage. It only takes 10 minutes for 2 people to set up!
Junior Gazebo
The Junior Gazebo is a mid-size gazebo and is about 10' wide and will accommodate 3-4 people. With approximately 132 square feet of advertising space with the digital graphics package it is a great way to make get your brand seen. This unit comes standard with 3 counters and you can add additional counters to make it a Deluxe Gazebo with 5 counters. This gazebo is FDA approved and can be used for multiple applications. From serving food at an event to selling tickets, or just simply standing out at your next trade show, the Junior Gazebo is a great option. It only takes 10 minutes for 2 people to set up!
6' Rectangular Valance
The 6' rectangular valance is a good option if you have limited space or a more linear application. This 6' Rectangular Gazebo comes with (2) counters, both 19" in depth and is built at a 38" counter height. This unit can be built in 10 minutes or less and with optional casters, can be moved and stored easily. The graphics options will give you approximately 52 square feet of advertising space.
8' Rectangular Valance
The 8' Rectangular Valance is a little larger and can be staffed by 2-3 people. This Rectangular Gazebo with valence top comes with (2) 48"x19" counters and has the option for smaller side counters, all at 38" counter height. This unit can be built in 10 minutes or less with 2 people and with optional casters, can be moved and stored easily. The graphics options will give you approximately 70 square feet of advertising space.
These are great options for Indoor and Outdoor Gazebos. With proper care and storage they will last for many years to come and make a great investment for showcasing your business at events. The versatility and ability to maximize advertising space make these a perfect addition to your company's marketing collateral! When making the decision to purchase a gazebo for your next function, make sure to maximize that space with great design! Graphic design services are available for all products and will ensure that you are putting your best brand forward!


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Oil Cup / EU patented whirlwind filter / Touch sensor control / Delay switch off / LED lighting (1.5 W x 2) / Reminder alarm / Digital clock
Equipped with washable 5-layer aluminum filter boasting superior extraction and air cleaning.


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Globe & Mail Memorial for Mining Activist
ROBLERO, Mariano Abarca
IN MEMORIAM 1958 - 2009 A leading anti-mining activist in the community of Chicomuselo, in the State of Chiapas, Mexico, Mariano Abarca R. was killed outside his house a year ago today, on November 27, 2009. Mariano is survived by his wife Mirna, two daughters Dora Mavely and Bertha Joana, and two sons José Mariano and José Luis. His youngest son, Jose Luis, visited Canada in September this year to speak publicly about how his father was the victim of a climate of violence in Chicomuselo related to mining activities by Canadian firm Blackfire Explorations. While in Ottawa, Jose Luis advocated in support of a bill which, had it passed, would have given the federal government powers to hold Canadian firms operating abroad legally accountable for their activities. Several men formerly employed by the Calgary-based Blackfire Explorations are awaiting court appearances related to Mariano's death. Condolences can be passed on to the Mariano Abarca R. family by sending an email in care of Common Frontiers to firstname.lastname@example.com, and please include Abarca in the Subject line. MARIANO ABARCA ROBLERO
Globe & Mail Link: http://v1.theglobeandmail.com/servlet/story/Announcements.20101127.93250013/BDAStory/BDA/births
CTV News Story on the Incident: http://www.ctv.ca/CTVNews/Canada/20100925/montejo-c-300-100925/


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New teacher training will be held on September 23, 2016 at Rock Creek Visitor Center from 9:30-4. During this training new teachers will learn about the Bridging the Watershed program, the different modules, how to schedule a field study, class room activities, and experience the water canaries (looking for macro invertebrates) at Rock Creek.
Please contact Heather Zdobysz at [email protected] by September 20, if interested in attending this training.
9:30 am - 4:00 pm
Rock Creek National Park Nature Center


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Thread: voltage in a 2015 pure
voltage in a 2015 pure
Hello I'm searching for a way to increase my charge voltage in my 2015 pure a little. As of now the best voltage is about 14.3 and id like to up that to 14.7-14.9 if possible.Ive been told that the alt is pcm controlled. Is there any way to change the computer to make it charge a bit higher or is there a voltage sense wire from that battery that can be ran with a resistor to trick it. thanks for any responses.


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Is the Weymouth Translation reliable?
- Details
- Parent Category: FAQs
- Category: Questions about the Bible
- Published on Monday, 14 February 2011 18:41
Is it safe to use Weymouth's Translation, since it contains such error as is found in the note upon Hebrews10:27 (page 560)?
It has been pointed out that the notes in this version are not by Dr. R. F. Weymouth, but by E. Hampden-Cook, M.A., who is said to have "Edited and partly revised" the work. In my edition of 1910 the very unsound note on Heb. 10. 27 referred to above is on page 6i6; and it is by no means the only one of the kind; the notes on this subject always being in the interests of what is known as, "Annihilationism" a very serious and growing heresy to-day. This teaching, however, is not confined to the notes, but occurs in the text. Wherever, apparently, the translator (or do we owe these touches to the "part revision" of Mr. Cook?) comes upon the question of the future of the wicked, the same influence can be noted: e.g., Matthew 25:46 which is translated, "And these shall go away into the punishment of the ages, but the righteous into the life of the ages," which is the ordinary meaningless and erroneous language affected by the Annihilationist teachers. How this book found its way into my small library, I have no idea; but I neither use it myself, nor would I advise anyone to do so. The Lord's words apply here, "Take heed what ye hear," and I am convinced that all this talk about "onian" and "the ages" is everywhere a danger-signal for those who desire to hold fast the whole revelation of God and the
doctrine of Christ.


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I had a nice chat with UCLA Professor of Physics & Astronomy, David Jewitt last night after his thought provoking research colloquium "Planets and Exoplanets." Jewitt's range of topics for the talk was broad. He started with a current view of our very own solar system – not the boring, rather static one that we all learned in grade school, but the new and much more dynamical model. He also examined the popular methods for exoplanet discovery: radial velocity (wobble), transit, direct, and microlensing. Toward the end, he touched on the question of life on other planets including the moons Europa and Enceladus. It was a rigorous treatment with plenty of detailed scientific graphs and formulae. The scope of the presentation was for fellow faculty researchers, researchers from other fields, and the general public (he led off the discussion with a humorous disclaimer that the success for such a broad reach was impossible and someone was likely to be disappointed – I guarantee that everyone was quite pleased).
As good as the lecture was it was my discussion with Professor Jewitt afterward at the reception that was the most enjoyable. I inquired about the discovery of Gliese 581g, the exoplanet recently announced that is around three times the mass of Earth and inside the host star's so-called "habitable zone" where liquid water could exist. The announcement on Sept. 29 by Vogt et al from UC Santa Cruz, was one of the biggest science headlines of the year. The star Gliese 581 is a mere 20 light years away.
I lamented to Jewitt that I was disappointed to read this week that an exoplanet group in Geneva expressed doubt on its discovery. He explained the cold reality of competing scientific research groups. Apparently, there are two main groups of planet-hunters, one in California (UC Berkeley and UC Santa Cruz) and another group in Switzerland. The California group announced Gliese 581g with the consensus of the Swiss group and others. But on Oct. 11 Francesco Pepe's comments at the IAU Symposium in Turin first appeared on a Facebook page, "We cannot confirm it [Gliese 581g] in our HARPS data."
It's tempting to make a big deal out of this or present it as some kind of embarrassment, but this stuff is the meal ticket of science. Jewitt looks at these occurrences of one upmanship as healthy scientific competition between different groups that yields better science in the long run and certainly makes things exciting.
As I strolled away from the California NanoSystems Institute Auditorium where the talk was held, I reflected on Jewitt's words. The situation reminded me of the long held competition between the UCLA Galactic Center Group and the Max Planck Institute for Extraterrestrial Physics, the likes of which has yielded some of the most amazing results in the past decade. It's not unlike watching well conditioned athletes competing in the Olympics – the race is exciting, but in the end it is the advancement of the sport that matters most. So too with competing scientific teams – we all win when the race is over and new truths about the universe are known.
[The inset image is an artist's concept of the red dwarf star and Gliese 581g.]


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Hello BCPVA members and guests,
Please join us for an exciting evening on Tuesday, May 23, 2017. As a reminder – our new meeting date is the 4th Tuesday of each month!
We'll be at the Community Living Society, located on the 7th floor of 713 Columbia Street in New Westminster (Columbia & Begbie, beside Waves coffee shop).
Please remember, networking will begin at 6:30, and the meeting will formally begin at 7:00 and run until 9:00 with a 15 minute break.
1) Report on NAB 2017 and The 7th Annual VIA Award Winners
Shawn Lam, Former BCPVA President, and Michael Rendulic, BCPVA Executive member, will be reporting back from the NAB Show in Las Vegas to tell us about the awesome new gear that's out and to announce their selections for the 7th annual BCPVA VIA awards. These awards are presented to companies at NAB who have released new products that are game-changers for corporate and event video producers. In order for products to be eligible, a pre-production or production model must be demonstrated at NAB.
2) Associate Member Presentations
Terri Casella and Björn Ulfsson will present on their production company, and Prithvi Singh will screen excepts from his recently completed documentary.
Meeting will end with a 15 minute open discussion.
Meeting information:
What: BCPVA Monthly Meeting
When: 6:30 pm for Networking; 7:00 pm Meeting on May 23, 2017
Where: Community Living Society (CLS)
7th floor, 713 Columbia Street
New Westminster
Map of New Meeting Venue
FREE coffee and doughnuts
PAID street parking outside, some FREE street parking a few blocks away.
There is ample parking, but you can decide to pay a few bucks to the parking meter (should be less than $5), or park at a parkade (a little more expensive, maybe around $7), or park in a free 2-hour zone and walk a few blocks. Below is a rough map of the area, but please allow extra time for parking when you first come.
RSVP and keep in touch online at the BCPVA Facebook Page.
See you all on May 23!
BCPVA Exec Committee


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Makerere University through the College of Agriculture and Environmental Sciences (CAES) boasts of one of the leading agricultural research centers in Uganda, producing numerous agricultural technologies that are transforming agriculture across nationally and regionally. Over the years, College of Agriculture has been focused undertaking impact oriented teaching, learning, research, and outreach with a focus at addressing the challenges faced by smallholder farmers. The College of Agriculture has been relying on farmer field days, graduate internships, and demonstration plots set-up as knowledge and technology dissemination approaches to reach smallholder farmers. However, besides the limitation of these approaches to provide farmers with opportunities to raise specific knowledge needs, their implementation are often based on the university calendar of events, with minimal continued interaction once the university technical teams have departed. As a result, critical knowledge and technical guidance resident in the university that could transform smallholder agriculture continues to remain under unitized. This has led to limited university impact among smallholder farmers despite the cutting edge research outputs that are internationally recognized.
In a bid to address the visible gaps and weaknesses of university-community partnerships and collaboration; Makerere University in collaboration with partners (WOUGNET and P'KWI INC.) with support from RUFORUM developed an outreach framework for strengthening university-farming community engagement known as the SUFACE Model. The SUFACE Model utilizes a number of ICT tools that have been developed and deployed. The focus of this model is to increase the interaction between smallholder farmers The tools include, the SUFACE web portal (www.suface.org), SUFACE mobile app, input-output service provider database, soyabean and ground nuts knowledge base and an SMS broadcast engine. Smallholder farmers in the districts of Apac, Kole, Lira and Bukedea using an android mobile app are able to send a request information on a specific problem relating to disease or pest outbreak. Farmers who are unable to type or express themselves in English have an option of voice recording their request in the dialect of their choice and send to the SUFACE platform. These questions in local dialects are then translated by agents at Kubere Information Center operated by WOUGNET into English, then submitted to the experts at Makerere for response. Using the mobile application and/or the SUFACE portal the experts then respond to the specific requests. The system is designed to allow timely response to the farmer's requests within 48hrs. In case of disease and pest outbreaks, the SMS engine is used to broadcast alerts and action information to other smallholder farmers. Further, in order to enhance diagnosis of farmers information needs, farmers are encouraged to record 30 seconds videos and/or take a picture of the plant or animal and submit to through the platform. The farmer-expert dialogue and exchange is later on synthesized into knowledge products for learning and planning.
This project has so far registered commendable success with over 2000 farmers in Apac, Kole, Lira and Budekea reached with thousands of queries timely processed. The project has noticed that the use of these highly interactive mobile phone applications will revolutionize access to knowledge from universities and research centers thereby empowering smallholder farmers to improve their production, strengthen market access and enhance dissemination of best practices. The project has also been able to observe that the short message system (SMS) platform was widely accessed by smallholder farmers but provided limited information to guide the implementation of actions suggested. Thus, a blend of interactive information relayed through the SMS platform and video clips and recording platform need to be implemented to elicit greater farmer responsiveness. Further, using mobile applications such as the SUFACE interactive application is cheaper to operate compared to SMS platforms on cost basis decision analysis. This approach has also revealed a greater benefit to farmer-university interaction with observable reduction in costs of engagement by 80 percent. Interactions with smallholder farmers has also revealed the modifications and innovations needed to further escalate the use of mobile phone applications including among others: need to pre-package knowledge products to minimize the processing time of queries; need to develop an extensive service system that will cater for the mixed, inter-crop and crop-livestock integration farming practiced by smallholder farmers. Further, there is need to develop mechanism to allow farmers to have translation of farmer voice queries from local language to English and from English to local dialects for maximum impact.


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A unique example of a rural business which achieved economic profitability based on innovation and environmentally-friendly practices.
Projects & Practice
A dairy company used RDP support to build a new wing on its factory in order to increase its production capacity. This investment strengthened the local supply chains and helps prevent the abandonment of the farming activity in the area.
A pilot programme in Scotland on Public Procurement led to new opportunities and markets for Scottish SMEs.
RDP support enabled a home-based business that sells quality vegetarian food products to increase its production capacity and reach out to an international market.
Promoting the sustainable management of small, privately owned forests. This is the winning initiative of the 2019 Rural Inspiration Awards in the 'LEADER' category.
Using RDP support to turn a farm into a nature reserve; contributing to tackling biodiversity loss.
A pilot project to demonstrate the environmental and economic benefits of using solar energy.
Switching from manual labour to mechanised work in order to make the business much more cost effective.
A young female farmer used RDP support to develop a farm business that would provide her with sufficient income in order to become a full time farmer.
A slaughterhouse was established on the island of Bornholm to offer slaughtering facilities to small husbandry farms or for larger herds of sheep or cattle.


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"When migrant workers first start work here, they can only do 70 percent of what Koreans do. It takes more than one year for them to get used to Korean culture, language and work," said Lee Ahn-kyu, who runs a foundry plant that employs 23 workers in Gimpo, Gyeonggi Province.
"Should I still pay them the same amount I pay Koreans? It is unfair for the Korean workers," said Lee, who has eight foreign workers on his payroll. "For a month of work, foreign workers earn what they could spend back home for a year. Isn't the gap a bit too much?"
Lee would rather hire Koreans, even if he had to pay them more, but Koreans willing to work in such a difficult work environment are hard to find, he said.
Last month, Rep. Yi Wan-young of the conservative Liberty Korea Party submitted a bill that stipulates a lower minimum wage for foreign workers for a two-year probationary period, aimed at easing the burden on small and medium-sized manufacturers struggling with the country's dramatic minimum wage hike.
|Human rights activists condemn Rep. Yi Wan-young of the conservative Liberty Korea Party for submitting a bill stipulating a lower minimum wage for migrant workers at a press conference in front of the lawmaker's office in Chilgok County, North Gyeongsang Province, on Feb. 22. (Gimhae Migrant Human Rights Center)
SMEs and construction, agriculture and fisheries businesses, which rely heavily on foreign workers, have called for a "graded payment system" under which low-skilled migrant workers would be given a lower minimum wage. They cite foreign workers' lack of experience and low productivity as justification for such a system.
The idea, however, has been met with strong criticism for discrimination against foreign workers on the basis of nationality, as well as undermining a fundamental principle of the minimum wage: the need to guarantee labor rights equally for all workers.
Experts also express concerns that different minimum wage rates for foreign workers would increase the nation's dependence on its foreign labor force, worsen working conditions in low-skills sectors and further fragment the country's labor market.
For now, the chances of Rep. Yi's bill passing parliament remain low, due to domestic and international legal hurdles.
Calls for lower minimum wage for foreigners
The minimum hourly wage in Korea was set at 8,350 won this year, up 10.9 percent from 2018, and President Moon Jae-in plans to raise that to 10,000 won by 2020 in line with his policy goal of achieving income-led economic growth.
The minimum wage hike has triggered complaints from employers, especially SMEs and self-employed shop owners, who say increased labor costs coupled with a reduction in maximum working hours have dealt a heavy blow to their businesses.
Now, the focus of their complaints is turning to migrant workers.
The bill, which was submitted by Yi and 14 other lawmakers, stipulates employers may pay migrant workers 30 percent less than the national minimum wage for the first year and 20 percent less for the second year.
"I presented the bill to ease the burden of labor costs on businesses hiring foreign workers," Yi said, adding that SMEs were "being pushed to shut down their businesses due to the rapid minimum wage hike."
Small business owners say a different minimum wage for foreign workers should not be considered discrimination.
"The minimum wage rose too steeply, but the vendor price did not increase at all, which further squeezes SMEs," said Moon Chul-hong, head of the department in charge of foreign labor at the KBIZ Korea Federation of SMEs.
"The burden on SMEs is too heavy. In the eyes of business owners, a lower minimum wage is not discrimination," he said. "It rather reflects reality and sets reasonable wages depending on the quality of labor."
KBIZ estimates the labor productivity of nonprofessional foreign workers on Korea's Employment Permit System at about 87.4 percent that of Koreans.
According to a KBIZ survey of 1,178 SMEs, the number of firms that asked for governmental permission to hire foreign workers dropped last year. The majority, 65.2 percent, cited "changes in management conditions" such as high labor costs and a sluggish economy.
The average monthly salary for migrant workers stood at 2.31 million won, the survey showed.
The SMEs said they were reluctant to hire foreign workers due to their low productivity, communication barriers, migrant workers' idleness and the complicated procedures to hire them.
Hong Jong-haak, minister of SMEs and startups, said last year that he would consider the proposal.
Foreign workers' labor rights
Migrant workers and labor activists have denounced the idea of a lower minimum wage for foreign workers as "racial discrimination" and a violation of the principle of equal labor rights.
Migrant workers in Korea are already subjected to poor working environments and discrimination, according to Shekh al-Mamun, a Bangladeshi official from the Migrants' Trade Union.
|Migrant workers call for the repeal of the Employment Permit System, a stop to the crackdown of unregistered foreign workers and ill treatment by employers at a press conference in central Seoul on Dec. 18, International Migrants Day last year. (Migrants' Trade Union)
"Migrant workers are already treated badly, underpaid and often not properly paid for overtime work in many cases," he said. MTU, the country's first migrants' union launched in 2015, now has about 1,000 foreign workers in its ranks.
"Low labor productivity? It is same for Koreans when they first start to work," he said.
"Rather than shifting the responsibility to foreign workers, the Korean government should improve procedures so that foreigners can better adjust to the work environment here," he said, citing vocational training as an example.
Korea has signed an agreement with 16 countries in Southeast and Central Asia to fill low-skilled jobs shunned by Koreans due to low pay and poor working conditions under the Employment Permit System.
Small and medium-sized manufacturers with fewer than 300 employees and companies operating in such sectors as manufacturing, construction, fishing and agriculture can seek permission to hire migrant workers via EPS.
The notion of a lower minimum wage for workers based on their nationality stems from the perception that workers from less developed countries are "less capable" and deserve less, activists say.
|An activist holds up a placard reading "Racism OUT, Liberty Korea Party OUT, Rep. Yi Wan-young OUT" in front of the lawmaker's office in Chilgok County, North Gyeongsang Province, on Feb. 22. (Gimhae Migrant Human Rights Center)
"It doesn't make sense what migrant workers do are worth less than minimum wage," said Kim Hyung-jin, head of the Gimhae Migrant Human Rights Center. "They are doing difficult jobs Koreans are not willing to do."
Discrimination against migrant workers will eventually lead to more discrimination, Kim said, against people who are on the fringes of society on the basis of physical disability, age and gender.
"It is a regression from what Korean society has done to foster equality for all human beings."
Asked by The Korea Herald whether a lower minimum wage for foreign workers would constitute discrimination, the National Human Rights Commission of Korea said it had no official position on the matter.
Legal hurdles, adverse impact on labor market
A lower minimum wage for foreign workers would violate local and international laws.
Under Korea's Labor Standards Act, employers are banned from subjecting workers to discriminatory treatment based on sex, nationality, religion or social status.
Korea also ratified International Labor Organization Convention 111, committing the country to nondiscrimination on the basis of race, color, sex, religion, political opinion, national extractions or social origin.
"Applying different minimum wage to foreigners would be difficult because it is against the law, though the parliament would probably discuss it," said an official from the Ministry of Employment and Labor on condition of anonymity.
"In terms of policy effectiveness, if foreign labor is cheaper, employers would prefer to hire foreign workers," he said. "It would run against the EPS' basic principle that foreigners can only be hired when it is inevitable (to fill labor shortages)."
The number of migrant workers -- including ethnic Koreans from China and Central Asia -- in the low-skills sector was about 528,000 as of Jan. 31, with the majority being Chinese, according to the Justice Ministry. Those on the EPS -- who are allowed to work here for three years and extend for another year and 10 months upon employers' approval – totaled some 278,000.
The quota for importing workers on the EPS has been set at 56,000 for 2019, with SMEs demanding the government expand the quota for low-skilled foreign workers.
The government, which sets the quota for EPS workers each year and selects workers based on their Korean-language proficiency, remains cautious due to public backlash over foreign workers taking locals' jobs.
According to IOM Migration Research and Training Center Director Chung Ki-seon, a lower minimum wage for foreign workers could pose as a "short-sighted" and "simple" approach to a complicated labor market.
"It is about protecting the principle of equal pay for work of equal value. And that principle is to protect locals' labor rights, too," she said. "Foreign workers would still flock to South Korea even if they are paid less, which would result in further worsening working conditions for both locals and foreigners and making chronic the labor shortage in low-skilled sectors."
"That will eventually lead to heavier dependence on foreign workers and the Korean labor market will be further divided."
By Ock Hyun-ju (email@example.com)


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I am Andrew Robertson, editor and curator of Travel Without Moving has a simple aim: To help readers and travellers find the best travel writing available on and off the internet quickly and easily.
Each week, new book reviews will be added to the blog. If the book is freely (and legally) available online, I will post the link too.
In addition to book reviews, I will regularly post travel quotes and links to other articles I hope you will enjoy.
Navigating the site should be easy. The six tabs at the bottom right are Kipling's "honest serving men", and are there to help you quickly find books, reviews and articles according to:
Author (who)
Mode of travel (how)
Journey type (why)
Environment (what)
Destination (where)
Date or period (when)
TIme is precious so, if you hover the mouse arrow over each of the tiles, you can find out whether the link will take you to an article or feature so that you know what to expect.
Each post will link to other similar posts and make recommendations which I hope will lead you to something you enjoy reading.


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Careers in Fintech
FinTech With the rapid expansion of the Fintech sector, career opportunities for graduates looking to work in the sector continue to diversify as career openings develop in areas such as online payments, fraud detection, global financial services support, biometrics and evolving online payments systems.
Just some of the positions which Fintech employers are currently recruiting for include software developers and engineers, data analysts, security specialists and quality analysts.
What you need to know
You don't need to be a financial expert to work in the Fintech sector; technology skills and an aptitude for using technology to solve problems are essentially what many financial organisations are seeking people for. Software developers, technical architects, designers and programmers are required to construct environments to host large volumes of data. Data quality analysts, information security specialists and investment data analysts are then required to manage, interpret, advise and act on the intelligence gained from this data. Knowledge of common industry operating languages like Java or Python is increasingly expected by employers.
Most financial employers will expect some knowledge of the environments in which they work, for example, knowing the difference between financial trading and portfolio management. However, if you have the aptitude and tech technology skills, most employers run robust training programmes to fill in the knowledge gaps. To give yourself an edge in an interview situation though, you must have a good understanding of the area in which you wish to work, an awareness of the technology used by your potential employer and why it is relevant to the sector. Fintech is fast paced and varied, but you'll need to be able to work effectively and often under pressure, often managing large amounts of data on the technology end and making sound decisions on the financial side to reduce risk.
Communicating with others
You will need to be able to communicate your knowledge and information to others in the business, whether they are technologists, traders, brokers, support specialists or managers. On the other side of the Fintech interface is a client, who is the most important element to any employer. It's vital, particularly if you're working in an advisory or a support role, that you can communicate often complex information clearly and concisely to both colleagues and customer.
Getting the skills you need
If you're studying finance, you'll need to add to your technology skills, join a society or organisation which can help build these skills. There are great online tutorials for learning the basics of industry-specific operating languages like Java. If you're studying IT, join a business society or group in a role which can boost your commercial skills. It's all about displaying adaptability and employability to any employer. Also, try and secure an internship to give yourself some on the ground experience. Work experience in the sector is greatly valued by employers.
Visit gradireland.com for more careers advice and job descriptions for roles in Fintech.


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If this isn't the cutest Instagram account ever, then we don't know what is! If you're looking for a daily dose of heartwarming photos, then check out Cutie and the Beast. The Instagram account chronicles the adventures of Siena and Buddha — an adorable (and stylish!) 3 year-old girl, and her loving Doberman.
All of the photos on this account are gorgeous. Well composed, shot, lit, and posed. The relationship between siena and Buddha is so affectionate and genuine. It's a treat to see! What do you think of Cutie and the Beast? Share with us in the comments!… Read more


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Harvey Dent's youtube channel has been shut down. It was apparently too much truth for the bankers to handle. People are mirroring Harvey Dent's Videos, such as above. Many others are vlogging as well. This blog has an Info Graphic and deeper information into what the Federal Reserve was doing.
These numbers can be plugged into the any e-check payment system and then used to pay any bill.
The Intellectual Freedom Movement website is nearing completion (if not already available). Motuuuuuuu Propriooooooooo!
The key in (legal/fictional) commerce has been keeping our real human identity separate from the inhumane "legal fictional presence" corporation identity. Knowing the difference is fundamental to walking upon these paths. Without the distinction, attorneys make humans into "wards of the UN Court" as "infants of unsound mind".
There have been several methods identified to keep us separate. One of the interesting methods that Harvey Dent suggests is getting a Certificate of Authentication on the Birth Certificate and doing a Power of Attorney over it; between the legal presence and yourself as human. Becoming the Attorney-In-Fact over the legal fictional presence corporation insurance franchise is/was the key to being "legally competent." Knowing the phrase "I am competent to handle my affairs" is most critical in handling all legal fictitious attorneys.
The greatest issue is who creates these legal presences…
Continue reading Harvey Dent's Youtube Channel Taken Down: Legal Presence and Debt as Money Franchise Licensed from UN/IMF/BIS