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major macro economic indicators
|2018 (e)
|2019 (f)
|GDP growth (%)
|Inflation (yearly average, %)
|Budget balance (% GDP)
|Current account balance (% GDP)
|Public debt (% GDP)
(e): Estimate. (f): Forecast.
- Port activity (Rotterdam is Europe's number-one port)
- Dense network of SMEs working with large groups
- Diversified exports and external accounts in surplus
- Attractive: high quality infrastructure and good living standards
- Exposure to the European economy: exports to the United Kingdom generate 4% of the country's value added
- Household wealth concentrated in housing and pension funds, which are not very liquid
- Banks dependent on wholesale financing (loans/deposits = 136%) and the real estate sector
- Ageing population; second pillar of the pension system under pressure
- Labour market duality: prevalence of precarious work, especially among young people, and part-time work
Growth driven by consumption and expansionary fiscal policy
Growth will be down but still robust in 2019, with consumption the main contributor, ahead of investment. Household consumption (44% of GDP) will increase again, but at a slower pace. On the one hand, unemployment is expected to fall further (to 3.6%) while disposable income will rise more rapidly, following more favourable collective bargaining agreements and lower income taxes. On the other hand, inflation will be boosted by the hike in the reduced VAT rate from 6% to 9% on January 1, 2019 and the increase in energy taxation. The wealth effect linked to home values is set to fade as price increases moderate. Public consumption (24% of GDP) will continue to grow vigorously, supported by the expansionary fiscal policy contained in the agenda of the coalition government formed in September 2017. The health, education, and defence sectors will be the primary beneficiaries. Investment (21% of GDP) could lose some of its spark. Companies, although still benefiting from favourable financial conditions and facing high capacity utilisation rates, are feeling less confident.
The same is true for households, which could translate into reduced interest in house purchases. House prices have risen sharply since the low point of 2013, significantly outpacing income growth, and are above the peak of 2008. However, the increase is currently concentrated in the largest cities (Amsterdam, Rotterdam, Utrecht and The Hague) and is mainly due to the shortage of new and social housing, the rent ceiling, and tax incentives to purchase. Household debt, although still high (200% of net disposable income as of November 2018 according to Eurostat), has declined, particularly in terms of its real estate share.
All sectors are expected to remain on a positive trend, except gas development, which is causing earthquakes in the north and is set to end in 2030. The favourable macroeconomic environment is reflected in the low number of business failures, including in trade and construction. However, Coface expects a 2% increase in failures in 2019.
Government balance and current account in surplus
With trade in goods and services accounting for more than 150% of GDP, the Dutch economy is very open. It mainly supplies agri-food products (plants, flowers, dairy products, meat, vegetables), chemicals, medicines and medical equipment, refined petroleum, aluminium, packaging and turbines. Services, including transport, logistics and tourism, make up one quarter of exports. Although import growth could exceed export growth, the trade surplus is still expected to reach 9% of GDP in 2019. However, a hard Brexit would be likely to affect performances, as exports to the United Kingdom account for 8% of the total. Industry – but also wholesale trade and transport, through re-export – would be affected. Re-exporting, linked to the country's role as Western Europe's maritime gateway, accounts for two-fifths of the surplus. This activity focuses mainly on petroleum products, as well as electronic and computer equipment. With other items close to equilibrium, the trade surplus shapes the current account balance. The balance of the financial account moves erratically, but is typically negative due to Dutch investments abroad allowed by the recurring current account surplus. Reflecting this, the country has a net external asset position equivalent to about 60% of GDP.
Despite the country's accommodative and somewhat pro-cyclical fiscal policy, the small overall fiscal surplus will continue. The revenue generated by growth is used to offset the reduction in gas royalties, reduce the tax burden and increase expenditure. However, when adjusted for the favourable impact of the economic situation, the deficit is just balanced out. Nevertheless, this is sufficient to obtain debt relief.
A four-party centre-right coalition with a narrow majority
Seven months after the parliamentary elections, Prime Minister Mark Rutte was successfully able to form his third government in October 2017. This coalition is comprised of his own Liberal Party, the Volkspartij voor Vrijheid en Democratie, the progressive Democraten 66 Party and two Christian parties: the centrist Christen-Democratisch Appèl Party and the more conservative Christenunie Party. The coalition has a majority of just one seat in each of the two chambers of Parliament. It could be challenged in the Senate, which will be renewed at the end of May 2019 based on voting by the provincial assemblies, whose own members will appointed by direct elections held in March 2019.
Last update : February 2019
In the Netherlands, bank transfers are by far the most common payment method for both domestic and export business-to-business transactions. All Dutch banks are linked to the SWIFT electronic network, which provides low-cost, flexible and rapid processing of international payments. Direct debit and different centralised local cashing systems are also widely used. Online sales are increasingly popular and most companies now use digital banking software. Cash payments are gradually disappearing and other payment methods, like cheques and bills of exchange are rarely used.
Debt collection
Amicable phase
A debt collection process usually begins and ends by sending the debtor a (sometimes registered) collection letter. Sending letters (only) by email is becoming more and more customary. Besides the principal claim amount, the collection letter usually also includes a demand to pay accrued interest and extrajudicial costs. If the interest rates and/or costs have not been agreed by contract, Dutch law regulates the limits for both. If amicable actions, which include reminders by phone and possibly a debtor visit, do not result in full payment, the creditor can initiate legal action, in accordance with Dutch civil law.
Legal process
Fast-track procedures
In urgent cases, claims can be submitted for a fast track procedure (kort geding). These proceedings resemble those of the regular civil court but, if convinced of the plaintiff's arguments, the judge (ruled by the President of the district court) delivers a verdict within a very short period of time – usually between two to four weeks. During this somewhat simplified procedure, the judge often makes a temporary or provisional ruling for more urgent matters. If, subsequent to this provisional decision, the parties do not reach a final settlement on all issues, they then need to obtain a final judgement in a "regular" civil suit (bodemprocedure). The fast track procedure in the Netherlands differs from the (European) payment order procedure used in many other European states. It always requires the assistance of a lawyer and personal appearances by all parties before the judge. As this makes the fast track procedure rather expensive, it is not often used in regular collection cases.
Ordinary proceedings
The regular civil court procedure, held in one of the eleven district courts (Rechtbank), is the most frequently used recourse of action. Claims of €25,000 or less are heard by a judge of the cantonal sector of the district court (kantonrechter), while claims in excess of €25,000 are presented before the civil law sector. The main difference in the civil law sector is that both the plaintiff and the debtor have to be represented by a lawyer, whereas in the cantonal sector parties are permitted to argue their own cases. Both types of procedures begin with a bailiff serving the debtor with a writ of summons. In many cases, debtors do not contest the claim or appear in court. This results in a judgment by default being given, usually within six to eight weeks. If the debtor does appear in court, the judge sets a date for them or their lawyer to prepare a written statement of defence (conclusie van antwoord). However, when appearing before a cantonal sector judge, debtors can represent themselves and plead their cases verbally. After the first plea, it is standard procedure for the judge to schedule personal appearances by both parties to obtain more information and to see if a settlement is possible (comparitie van partijen). If not, the court can either pass judgement immediately or, in more complex cases, give the plaintiff the opportunity to deliver a replication (conclusie van repliek). The defendant can then reply by rejoinder (conclusie van dupliek). These proceedings take, on average, six to twelve months.
Winding-up proceedings
A third and often effective procedure for collecting payments is by filing a winding-up petition at the district court. This type of petition must be filed by a lawyer and the applicant needs to submit evidence of a payment default on an undisputed debt and of the existence of at least one other creditor having an undisputed claim of any kind (for example, commercial debt, outstanding alimony or taxes). The debtor is then formally notified by a bailiff that a winding-up petition has been filed. To avoid bankruptcy, the debtor can choose to appear in court to dispute the claim (or the fact that there are other creditors) or propose an out of court settlement. As most debtors try to reach a settlement, these proceedings are often cancelled before the date of the court hearing. Otherwise, and if there is sufficient evidence, the debtor is then declared bankrupt. Approximately 95% of all bankruptcies result in no payment being received by non-preferential creditors.
Retention of title and right of reclamation
Besides initiating legal action or claiming retention of title (if stipulated), sellers of goods can often exercise their right of reclamation (recht van reclame) for unpaid goods. This entails sending the debtor a registered letter which invokes this right. The contract is thus terminated and by law, ownership of the goods returns to the creditor. However, this recourse of action does require the goods to be in their original state. The registered letter must be sent within 6 weeks of the claim being due and within 60 days of the goods being delivered.
Enforcement of a legal decision
If a debtor does not voluntarily comply with a court decision, the creditor can initiate actions to enforce the judge's ruling. As most court decisions become effective immediately, creditors do not need to wait for the three month period of appeal to expire. Enforcement laws lay down statutory rules on coercive measures and how these measures can be applied. In the Netherlands, only bailiffs are authorised to levy enforcements and are instructed by the creditor. Two conditions need to be met before coercive measures begin. The bailiff must be in possession of a writ of execution (an original and enforceable judgment) and the party on which the enforcement will be levied must have prior official notification of the writ.
Court decisions rendered by other EU countries benefit from specific enforcement mechanisms, including the EU payment Order and the European Small Claims procedure. Decisions issued by non-EU countries can be recognised and enforced on a reciprocal basis, provided that the issuing country is part of a bilateral or multilateral agreement with the Netherlands. In the absence of such an agreement, an exequatur procedure can be carried out in the Dutch courts.
Insolvency proceedings
Restructuring proceedings
Corporate debt restructuring entails using the suspension of payments (surseance van betaling) procedure. The debtor is granted temporary relief from creditors, in order to allow them to reorganise, continue with business operations and ultimately satisfy their creditors' claims, all under the supervision of a court-appointed administrator. A plan is proposed and must be approved by two-thirds of the creditors representing three-quarters of the total outstanding debt.
Bankruptcy proceedings
The debtor's assets are liquidated by the court-appointed trustee. This procedure commences when the debtor has ceased payments and the District court has declared the debtor bankrupt. If a creditor makes a request for the debtor to be declared bankrupt, there must be at least two creditors with overdue claims. However, when liquidation is requested by the debtor, evidence of additional creditors is not mandatory.
The trustee establishes a list of creditors, the debtor's assets are auctioned and the proceeds then distributed between the creditors.


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If you live in South Texas and you're in the market for a new 2019 or 2020 Chrysler, Dodge, Jeep or RAM, explore our extensive inventory below. You'll quickly see you're in the right spot! Updated daily, our inventory is always current. See a car, truck or SUV you like? Maybe the Ram 1500, 2500, Chrysler 200, Dodge Dart or Jeep Grand Cherokee? Swing by Bert Ogden Chrysler Dodge Jeep Ram, located in the Rio Grande Valley at 8421 West Expressway 83 Frontage, Harlingen, Texas for a test drive. Here, you'll experience service to match. We are near Brownsville TX, Weslaco TX, McAllen TX, Edinburg TX, and Mission TX. It will not only impress you, but stand out as the most pleasurable interaction you've ever had at a dealership.
If Bert Ogden Chrysler Dodge Jeep Ram doesn't have the specific Chrysler, Dodge, Jeep or RAM model you want in stock, just let us know what you're looking for. We'll get it for you, fast.
Want to learn more about a particular vehicle? Check out our Vehicle Showroom, allowing you to configure your own car, truck, minivan or SUV while also learning the technical specifications and available features for each model. In addition, visit our Finance Center for additional information on auto lease and loans for your next vehicle! If you have any questions, you can contact us online or give us a call at (956) 423-5555.
* MSRP is the Manufacturer's Suggested Retail Price (MSRP) of the vehicle. It does not include any taxes, fees or other charges. Pricing and availability may vary based on a variety of factors, including options, dealer, specials, fees, and financing qualifications. Consult your dealer for actual price and complete details.
* You may not qualify for the offers, incentives, discounts, or financing. Offers, incentives, discounts, or financing are subject to expiration and other restrictions. See dealer for qualifications and complete details.
* Images, prices, and options shown, including vehicle color, trim, options, pricing and other specifications are subject to availability, incentive offerings, current pricing and credit worthiness.
* In transit means that vehicles have been built, but have not yet arrived at your dealer. Images shown may not necessarily represent identical vehicles in transit to your dealership. See your dealer for actual price, payments and complete details.

subset: commoncrawl


text:
The next set of patches for for Far Cry 2 will deliver a "hardcore mode" begged for by players in Ubisoft's forums. It will deliver "a more realistic experience" in multiplayer.
Ubi community manager Atmon spread the word on Friday. Hardcore mode delivers a new damage model (meaning, increased damage) and rebalanced weapons. Also:
• Enemy names will disappear after the spawning invincibility period is over.
• A new option lets you tweak spawning time, but not spawning rate.
• A search option will be added to multiplayer that allows you to find games on hardcore mode.
• These features will be available on all platforms.
"The hardcore mode has been designed as an answer to a community request. When designing the multiplayer game our team wanted to provide a balanced experience for most gamers. However some players were seeking and expecting a more realistic experience," Atmon writes. "We hope that you will like the changes our team has implemented to let you enjoy the game, and play it the way you want."


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BRIDGEVIEW Ill. – The Fire have Nery Castillo. The question is: How will they use him?
Chicago head coach Carlos de los Cobos could choose to keep his preferred 4-1-4-1 formation intact and slide Castillo to the wing. But with Marco Pappa and Patrick Nyarko (when healthy) entrenched on the flanks, that option doesn't seem likely.
An alternative would be playing Castillo at forward, pairing him with Brian McBride or Collins John. Although this would require de los Cobos to switch from the aforementioned 4-1-4-1, it's an option he seems to be leaning toward.
"We need to have two forwards, two quality forwards that can complement each other," de los Cobos told MLSsoccer.com on Saturday. "I think maybe Nery can complement well with a striker like McBride or Collins John."
Pairing the speedy Castillo with a target forward like McBride or John certainly seems like a natural fit. Playing Castillo up top would free up space for the other forward, requiring him to do less work on the ball and allowing him to advance into dangerous positions more freely.
Of course, all of this is assuming that the talented Castillo comes into the team in game form. Given his lack of playing time over the last three years, he may need time. However, de los Cobos doesn't seem overly concerned.
"I am not really worried about it [his lack of playing time]," de los Cobos said. "He hasn't played over the past years because of different reasons but there are things that he has regardless, like the talent, the personality, and the speed."


text:
The Travel Reduction Program Regional Task Force (TRP RTF) is responsible for reviewing and making recommendations to PAG regarding the employee survey, the annual plan (Activity Inventory Report), enforcement actions for deficient participants and variance requests by employers.
The RTF reviews the data collected from the plans and employee surveys, as well as overall performance of the program, and makes recommendations for improving the program and employer participation. The RTF will meet four times in 2019.
Travel Reduction Program Regional Task Force Information1 E Broadway Blvd, Suite 401Santa Rita Main Conference RoomTucson, AZ 85701(520) 792-1093
©Pima Association of Governments | 1 E Broadway Blvd, Suite 401, Tucson, AZ 85701 | Telephone (520) 792-1093, FAX (520) 620-6981


text:
Man arrested on suspected DUI after Volvo hits parked cars
Police arrested a South Lake Tahoe man on suspicion of driving under the influence and hit and run Thursday night after he allegedly hit two parked cars in the driveway of a home on the 2500 block of Fountain Avenue.
Christopher Catterson, 27, appeared to be in the process of sending a text message at the time of the collision, according to a Friday statement from police. He denied being the driver of the vehicle.
Several people reported the crash about 8:20 p.m. Witnesses said they saw Catterson driving a 2001 Volvo station wagon when it struck the vehicles. Catterson then attempted to run from the scene, according to police.
Catterson's license was suspended for a prior drunken driving conviction, police said. He received minor injuries from the incident, according to the statement. No other injuries were reported.
Catterson had been released from custody at El Dorado County Jail in South Lake Tahoe as of Friday morning. It is unknown if he has an attorney.


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AaronBeats necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 37 diseños de 12 diseñadores freelance.
New music promotion/social media 2.0 site in need of a hot and fresh logo to represent the new way of popularizing new music
The logo is for a new company called JamBuzzer.com, which is a new social media system of independent song/music/artist promtion and voting, aka 'buzzing' to help artists promote their songs, while allowing users to get access to good music for cheap/free.
This is a venture that was inspired by my desire to help my current subscribers of AaronBeats.com to promote and become successful music artists.
A lil about me:
I'm a young and adventerous 23 yr old music producer & internet entrepreneur with a massive burning desire and destiny of huge success by helping others to become successful as well.
- I don't have any specific colors in mind right now. a lil idea:
maybe there could be a bee with some headphones & sunglasses on,
dancing around, but the bee doesn't have to be the typical colors of a real bee, something different and cool.
I would like that or something that gives the impression of
'buzzing' maybe even some type of effect on the word 'buzz' in the
jambuzzer.com text.
- Maybe there could be some type of 'crowd' or impression of a crowd watching the bee sing & dance lol, I dunno, something that gives a feel of a 'community'
- Given that this site will be a form of social media, I would like for it to have a 'web 2.0 feel' to it, with glaze and reflection
This is all that comes to mind now, I would rather leave it open to your creative interpretation and see what you come up with!
- Iif you try out the bee idea, it doesn't have to be the 'real' color of a 'real bee' i'm trying to have a completely new and unique chartacter, and not the bee from honey nut cheerios lol
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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I am using Tikal Eclipse. I have problem:
Every time when I strat run one of my projects (lets say today is 02/12) and move sysdate on my computer forward ( lets say 04/12) making my tests and then I terminating my run and move sysdate back.
Now I am trying to run my project again ( 02/12) but it stucks.
Launching dialog appears, with following message: "The user operation is waiting for background work to complite". Progress bar is stuck and its written "Launching: 1 work item(s) left."
I can fix this situation in 2 ways:
1. restart Tikal.
2. change sysdate to future ( 04/12 and on) and run it again.
I think there is parameter somewhere in workspace that can be changed/modified to avoid this situation.
Can someone advise please?


text:
singer · songwriter · activist · educator
e-mail Bonnie
Bonnie Lockhart is an Oakland, California-based
singer, songwriter and educator. Bonnie has two recent albums for children, families, and teachers.
Dreams, Drums, & Green Thumbs
is Bonnie's own collection of 15 songs, both original and traditional, rooted in folk music from Appalachia to the Caribbean.
Growing With Music: Songs for Singing Families
is a collaboration with two other musicians -- Unity Nguyen and Billy Witz -- who formed a music ensemble for the Saturday morning Growing With Music program in Oakland.
This CD features some favorite songs—in English, Spanish, Cantonese, Vietnamese and Ga—that these three musicians share with the children and families who participate in Growing With Music.
In addition to her spirited, interactive concerts for children and families, Bonnie offers school residencies and music workshops for teachers and caregivers.


text:
A Developer.com Site
An Eweek.com Site
Im using AOL.... and when im online ...like 140 pop-up messeges in 4 hours are coming up...the title reads ... Messenger Service...how can i remove it ...stop it...its really annoying........
Just stop the service called messenger or block port 139.
.sig - There never was a .sig?
I own a Schneider EuroPC with MS-Dos 3.3 and it works.
your getting that as well? **** i have been getting it on my PC and just installed AIM today though i was getting that **** for like a couple of weeks before hand. Did adware removal and still happened and did a virus scan with nortan and still i just got one. I do hope someone is able to help here...Oh and i am using windows Xp and a dsl connection.
as i read in the thread go to command prompt and type in net stop messenger ....but u hve to do it every time ur computer boots
as i read in the thread go to command prompt and type in net stop messenger ....but u hve to do it every time ur computer boots
You don't have to do it everytime your computer boots... you can disable it permanately... or until you wish to turn it back on.
start --> settings --> control panel --> admin tools --> services -->
find the messenger service. Right click --> properties --> change it to disabled.
Thats all there is to it.
Quitmzilla is a firefox extension that gives you stats on how long you have quit smoking, how much money you\'ve saved, how much you haven\'t smoked and recent milestones. Very helpful for people who quit smoking and used to smoke at their computers... Helps out with the urges.
better ... tx phishphreek80
If you want a quick way to change these annoying WinXP defaults, then try http://www.xp-antispy.de (only 64K)
Don't worry about the fact it is German - it's freeware, the help is in English, and it works.
It has a nice friendly GUI, and covers the two points you have mentioned, plus a few more ..
i speak german ... tx darkes
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The Next Scroll of Dice for the Gambling Industry
Casinos come and go, but one thing is certain – the gambling industry is here to stay. The way people gamble, however, may make some changes in the near future.
Game revenue on the Las Vegas Strip has begun to show signs of stagnation. Few people, the Millenials, traveled to Las Vegas, Atlantic City, and other casinos across the country. To revive the gambling industry in the eyes of the younger target market, the casino sees the next big thing.
Here are some trends to watch out for in the future of gambling.
Gambling-Based Gambling
Unobtrusive lever-pulling slot machines are a thing of the past. New gamblers want more challenges.
The latest generation of gamblers has grown up playing various video games. From first person shooters to multiplayer role-playing games, Millenials has played it all. Professional video games, or eSports, bring the world by storm with expected revenues of more than a billion dollars.
Arcade-style games will allow friends to challenge each other and take advantage of their video game prowess. The choice of virtual reality and multiplayer will extend the coverage of traditional casino games.
Sports betting
The new generation does not have the same classic casino spirit spirit as their parents and grandparents. Instead, they continue to show the same level of enthusiasm for the sport.
In this age of technology, the predictions of baseballs, basketball, and soccer today for fantasy sports leagues that continue to grow throughout the country have never been so easy. Fantasy sports leagues are springing up everywhere. Circles of friends, offices, and various online platforms extend the reach of sports betting.
Currently, sports betting is illegal. However, Congress is in the process of reviewing federal gambling laws and legislation on sports betting, online games, and other new-age gambling forms. While still at the discussion table, most sports experts agree that ultimately legalization is inevitable.
Online and Mobile Casinos
Online casinos enable gambling from the comfort of your own home. Mobile games now make gambling comfortable anywhere.
Increased accessibility to gaming offers a great boost to the casino industry. Players can access the casino from any time or location. They can participate in long distance multiplayer tournaments. They can even withdraw bets directly from their credit card account.
The online and mobile platform also makes it possible to introduce new and exciting features to play the game. Virtual reality is one such feature. VR and other technologies can make the online gaming experience noticeably more real.
Perhaps the main disadvantage of this trend is the imminent hacking hazard. Player accounts need to guarantee the highest level of security to keep customers.
The Future of Gambling
Traditional forms of gambling such as outdated slots. Audiences of new gamers are more than just unthinkingly pulling a lever or pressing a button.
Interactive and interactive platforms, skill-based games, is the future of the casino industry. The casinos that are installing this adaptation will flourish. Those who hold the classic game form may be left behind.


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Riding the avalanche of regulation
Moving from a basic state to a strategic state with a new data architecture
By Michael Giarrusso, Partner, Financial Services Office Advisory, EY
Banking has entered a new era of regulation. Following the bailouts of the recent financial crisis, regulators have increased their emphasis on accountability. But the largest firms in financial services can only be held accountable if their activities are easily tracked by regulators, investors and other counterparties. For this reason, accountability goes hand in hand with transparency.
A vast number of regulatory initiatives have been put in place or are in the process of adoption, collectively requiring banks to make massive investments to improve both the quality of their data and its accessibility both to supervisors and shareholders. To comply with the new rules, banks will have to spend hundreds of millions — and in some case billions — of dollars.
The demands from regulators on data quality and disclosure are burdensome, but they also present an opportunity. Banks taking the right approach to this will do more than simply comply with the rules.
Those opting to meet the requirements with a well-planned, integrated data strategy will also improve their ability to generate revenue and manage risk — gaining a competitive advantage over those that do not.
High-quality data allows firms to outperform peers in terms of risk management and other areas of the business.
The consequences of failure
While I firmly believe that the carrot of commercial advantage is critical, the starting point for banks must be the consequences of failing to meet the demands of regulators on data.
These are not limited to additional costs in the form of fines: Banks can actually be prevented from making disbursements, putting investors directly in the firing line for their deficiencies.
In the US, the Fed considers data quality and governance as part of its annual bank stress test, the Comprehensive Capital Analysis and Review (CCAR). Firms have failed the qualitative aspect of the test, which measures the internal processes used by a bank to determine the amount and composition of capital it requires to survive a period of severe stress.
This failure meant the firms could not deploy capital or increase dividends, with obvious consequences for the firms' standing with investors.
Under Pillar II of the Basel III capital requirements, data shortfalls can also result in additions to the basic level of capital a bank is required to hold. This is a material risk to firms: Assuming a 10 percent cost of equity capital, a $1 billion addition to existing capital holdings costs $100 million a year.
Moreover, ongoing data deficiencies raise significant systemic risk concerns among regulators. Firms failing to comply with data requirements face the prospect of regulatory-mandated restructuring: a chilling prospect for any commercial entity with its own strategy for profitability.
Five best practices to improve data quality
Data quality is an essential component of your new strategic data architecture. Follow these five tips to help improve the quality of your data:
- Align data with risk management and regulatory requirements.
- Make the quality of data risk management transparent.
- Create business rules for sustainable data quality improvement.
- Establish continuous monitoring to measure success.
- Implement end-to-end analysis of risk processes.
Scope of oversight
Regulators are placing increased emphasis on the broader regulatory control and risk management framework of financial institutions, where data completeness and consistency are key components.
A number of initiatives require banks to make massive investments to improve data quality. These include:
- The Basel Committee for Banking Supervision's principles for effective risk data aggregation and risk reporting (BCBS 239). In a recently released progress report, the BCBS noted that many banks are unlikely to meet the Jan. 1, 2016, deadline for compliance.
- Vastly increased reporting requirements to demonstrate compliance with activity restrictions, such as the Volcker Rule, or the maintenance of adequate liquidity under the Basel Committee's liquidity coverage ratio.
- Data on counterparty exposures.
- Granular information about the credit quality of individual loans, which is needed for stress tests.
Shifting to a strategic state
To address these challenges, banks must migrate to a "strategic state" data architecture. Firms will inevitably incur onerous costs and place a strain on resources in the process, but making the switch in a well-planned and integrated way is key to reaching that state and mitigating costs in the process.
Today, most banks' data infrastructures are largely in what we call a "basic state," defined by complex legacy architecture predicated on silos for each function such as risk, regulation or finance. Each silo requires multiple reporting sources and tools.
This leads to a large volume of reconciliations, which are often duplicated and inconsistent, as well as an incomplete transaction population. The consequences for organization and governance are severe: limited accountability and ownership, functional silos, decentralized governance and inconsistent or limited policies.
These problems can't be solved in a day, so we envisage an interim "enabled state," maintaining basic state infrastructure during the transition to a strategic state, with new processes and governance put in place.
The longer-term goal, the strategic state, consists of a streamlined systems architecture built around a centralized database. Data is integrated across all domains, including risk, regulation and finance. There will be a single source for all reporting.
This will minimize the volume of reconciliations, with the enabled state framework used as an input for the design and requirements of the strategic state architecture. The established organizational and governance structure will be carried over from the enabled state, with minor modifications to support strategic processes and technology.
The business case
This is not simply a question of conforming to regulation; an integrated data architecture offers many business benefits. The interests of management and shareholders are aligned with those of regulators.
In the context of pure profitability, getting it right on data is critical. EY's analysis suggests that regulatory implementation is likely to cost around 3 percent of return on equity (RoE). In the new, low-RoE environment for banks (roughly 9 percent on average for North American banks and lower for European banks in 2014), these numbers are meaningful. Early implementation of a strategic state data architecture will deliver cost efficiencies that could help offset this downward pressure on RoE in the long run.
As the recent CCAR stress tests have demonstrated, taking control of data maintains the ability for banks to make distributions and restores it for those that have fallen short on regulatory expectations. Addressing data concerns also reduces or even eliminates the rationale for capital add-ons, and in this context the resulting savings should be seen as an offset to the cost of data systems.
CFOs, treasurers and CROs are under pressure from all sides on data: Senior management, boards and investors all require consistent disclosures across all stakeholders. Appetite is also growing for risk-adjusted performance analysis, projections and accurate, risk-based pricing for financial products.
On the investor side, the demand for disclosures from investors is growing in intensity and detail. With the Financial Stability Board's forthcoming total loss-absorbing capacity requirements, investors will be looking to banks to provide key data before they consider investing in instruments subject to a potential bail-in. This applies both to a respective bank's capital position, as well as the capital instruments themselves.
But the rationale for making the investment to enter a strategic state data architecture is not simply about adapting to a new normal. High-quality data allows firms to outperform peers in terms of risk management and other areas of the business. Therefore, devoting resources to data architecture is not just a cost, but also an investment.
Michael Giarrusso is a New York-based partner in EY's Financial Services Office Advisory practice. He leads the Enterprise Regulatory Transformation team, advising multiple clients on regulatory requirements related to enhanced prudential standards and the establishment of enterprise program management capabilities. Giarrusso has more than 14 years of experience in the financial services industry, serving banking and capital markets and insurance clients in the areas of risk and regulatory change, enterprise risk governance, credit risk and capital management.
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The Muldoon Gymnasium is the home to both the Men's and Women's Basketball programs and the Men's and Women's Volleyball programs. The Gymnasium was originally constructed in 1984 and named after Teresa Muldoon. Teresa Quigley Muldoon of Pelham, New Hampshire was an english teacher in the Nashua school system and a benefactor of Catholic women's colleges. Her generous legacy to Rivier contributes to physical wellbeing within the campus community and is gratefully remembered.
The Gymnasium has undergone major improvements since opening its doors in 1984. The Athletics Department has recently installed new hardwood floors along with state-of-the-art retractable bleachers for spectators. Fans will also notice the new scoreboards located on either side of the court and the shots clocks installed above the basketball hoops.
Throughout the Muldoon's life span, it has played host to numerous Great Northeast Athletic Conference Volleyball Championships, North East Collegiate Volleyball Association Championships and one GNAC Men's Basketball Championship Game (2007). Recently, the Gymnasium served as the host for the 2013 and 2015 "Midnight Madness" game between the Raiders and then cross-town foes, Daniel Webster College.


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ALDI is recalling its Chinese Chicken Curry with Egg Fried Rice because it contains milk, which is not declared within the ingredients list.
This means the product is a possible health risk for anyone with an allergy or intolerance to milk or milk constituents.
The recall applies to the 450g pack size product with any 'Use By' date.
A company spokesperson said: "If you have bought the product and have an allergy or intolerance to milk or milk constituents do not eat it. Instead return it to the store from where it was bought for a full refund."


text: GoPro are at the forefront of extreme sports photography. With a range of waterproof standard (SD) and high definition (HD) options, this collection can be attached to all your gear using a variety of sport-specific equipment. Whether you're a snowboarder, skier, kite surfer, motor enthusiast or wakeboarder, there's a waterproof photography product here to suit you. All offerings shoot to SD cards and are waterproof in depths up to 60m - an impressive feat for even the most professional of equipment. HD options are optimised for smooth slow motion playback, so whether you need a camera for work or play, you simply cannot beat this fantastic brand.


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Four Helicopter Accidents and Seven Fatalities in Just Eight Days:
Helicopter Pilots Need to Take Ownership of These Tragic Numbers Says the IHST.
From Oct. 10th to Oct 17th, the U.S. helicopter community experienced four accidents that started out as "routine" general aviation/private flights, but each ended with fatal results.
The bigger picture beyond these eight days is not much brighter. During FY 2011, there were 131 rotorcraft accidents in the United States and 16 of them resulted in fatalities. A year later, during FY 2012, we still saw 135 accidents and 19 were fatal ones. This happened despite a renewed effort throughout the industry to utilize more safety tools and methods. And now, at the beginning of FY 2013, we already have experienced four fatal accidents.
There are lives at stake and too many at the controls are not paying attention.
The International Helicopter Safety Team (IHST) and its industry partners have created numerous safety toolkits, manuals, lists, and recommendations aimed at reinvigorating a safety culture, particularly among private pilots. The helicopter trade media has been especially supportive in getting the word out regarding all the assistance that is now available. But looking at the statistics, looking at the seven lives recently lost, a culture of safety is not developing as quickly as it needs to. The message is not getting all the way through.
The IHST will be talking to every one of its key partners to determine how to redouble its efforts. How can we speak directly to the private helicopter pilot? How can we instill the belief that safety needs to be considered before every decision and during every action in the cockpit? We, as an industry, need to help private pilots assess where their safety weaknesses are. We all need to modify attitudes and help make safety the central consideration of every pilot decision.
Just one fatal accident is one too many. And during this recent eight-day period, we have already seen seven fatalities. Safety needs to be a priority in the helicopter community. Life needs to be a priority.
"The end-of-the-year holidays are just around the corner," adds Kim Smith, IHST Co-Chair and Manager of the FAA Rotorcraft Directorate, "As pilots, we need to refocus our efforts on evaluating risk and fly safer so that our families will have fond memories of 2012 and not tragic ones."


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Thank You, Dear Readers
I have truly enjoyed writing this blog for the last two years, but now it's time to take a brain break. Thanks for your comments and readership. Happy secure computing.
"Free" USB Drive Calls Home
At a conference I attended not long ago, part of the conference package I received was a "free" USB drive from one of the vendors. Every attendee received one of the drives.
Being the information security person that I am, "free" USB drives make me wary. Marketers also make me wary. So, I looked at the instructions included with the USB drive, and found the following:
This USB drive is backed by iClick's lifetime replacement warranty. To help identify authenticity the USB drive may connect to iClick servers for verification when it is plugged into a computer connected to the Internet. No personal information will be sent or recorded other than the IP address.By utilizing this USB drive you consent to allow this possible server connection.
So, from a security perspective, let's take this apart: To help identify authenticity… How does connecting to their Internet servers identify anything about the USB drive? This appears to be a blatant falsehood to justify the next action, …(may) connect to the Internet. How many times will it connect to the Internet? Every time you plug it in? We don't know.
No personal information will be sent or recorded other than the IP address. Can we trust this statement? Given the previous statement, should we believe this? How do we know? Not without some security testing. If it connects more than once, showing the IP address, how long is that information stored? Does it connect to a web page automatically that may have malware hidden in the HTML code?
The final statement on the "instructions?" By utilizing this USB drive you consent to allow this possible server connection. How many people read "instructions" after getting a "free" USB drive? Everyone "knows" you just plug it in to your USB port on your computer. So we've "consented," i.e., removed any legal action against this "possible server connection." We can just eliminate "possible" here, I would suspect.
Can we remove this software? According to the iClick website, they can "lock" the files on the USB drive so they won't be deleted. I don't know if the drive can disallow formatting but frankly, this went in the trash.
More on Cell Phone Location Data – Apple Logs Everything
If the C-level and Board members of your company are concerned about the privacy and security of their business and personal data, you might want to educate them about the privacy policy of a very frequently used mobile device: the iPhone.
According to this article from the LA Times business blog, Apple recently changed their privacy policy, (which users must agree to in order to buy anything on iTunes) to acknowledge that they are storing location data for "partners and licensees." In fact, they have been storing it since 2008.
As I have noted previously privacy on mobile phones is limited at best. Given that there is no way to securely wipe a cell phone hard drive, executives should be thoroughly educated about cell phone (in)security.
As a network administrator, you might want to re-think using your iPhone to connect to your network, as well.
And P.S., Apple has yet to reveal who the "partners and licensees" are.
A Picture Can be Worth a Thousand Words
At a hotel in Orlando, I came across this ATM just as the repairman was walking away. Next to the restrooms and telephones, a free ATM!
From the Council of Gov't CIOs to the Feds: Address the Risks of Cloud Computing
Last week the Chief Information Officers Council, a government body established by legislation in 1996, comes a Privacy Recommendations Paper from the Council to all government departments and agencies. So this paper carries a little extra clout.
Their paper (available here) succinctly describes the privacy risks of using cloud computing should government agencies and departments consider their use. I think these recommendations would be equally well used in business considerations, especially if companies store confidential personal records.
Here are some highlights:
The purpose of this paper, and of privacy interests in general, is not to discourage agencies from using cloud computing; indeed a thoughtfully considered cloud computing solution can enhance privacy and security. Instead, the purpose is to ensure that Federal agencies recognize and consider the privacy rights of individuals and those agencies identify and address the potential risks when using cloud computing.
The paper lists the most common risks, and I've edited the risks to indicate a business framework rather than a federal department/agency:
Risks Include:
• The permitted use for the information the Cloud Computing Provider ("CCP") collected from the business entity may not be clearly defined in the Terms of Service/Contract, enabling the CCP to analyze or search the data for its own purposes or to sell to third parties.
• The data could become an asset in bankruptcy, particularly if the Terms of Service or contract does not include retention limits.
• Depending on the location of the CCP's servers or data centers, the CCP might allow or be required to permit certain local or foreign law enforcement authorities to search its data pursuant to a court order, subpoena, or informal request that would not meet the standards of the Privacy Act of 1974.
• The individual providing the information has no notice that explains that his or her information is being stored on a server not owned or controlled by the business entity. Thus, when the individual person attempts to access his or her data, he or she is unable to do so and is left without proper redress.
• The data stored by the CCP is breached and the CCP does not inform the business or any of the individuals affected by the incident.
• The CCP improperly implements regulatory requirements for the business entity (i.e., finds them cost-prohibitive or cumbersome) and thus inadvertently allows the data it is storing in the cloud to be viewed by unauthorized viewers.
• The CCP fails to keep access records that allow the business entity to conduct audits to determine who has accessed the data.
• The business entity cannot access the data to perform necessary audits. The data has been moved to a different country and a different server and the government suffers a loss in reputation and trust.
• The business entity fails to keep an up-to-date copy of its data. The CCP accidentally loses all of the business's data and does not have a back up.
It's also worth noting that the paper referenced specific legislation that also is applicable to business
health care and education entities, such as HIPAA. A CCP should assume that a business associate agreement is required if PHI is being transmitted and stored on a cloud.
I highly recommend a thorough read of the paper; it offers a good framework for a privacy assessment prior to entering into a contract with cloud computer providers. Besides, it's only ten pages long.
Smart Phone Photographs Can Expose Much More than The Picture
Would you publish a digital photograph from your smart phone on the Internet if it could tell everyone where you lived, or where you were when you took it?
Unless GPS capability is specifically turned off (for phones that have it – think iPhone, Palm and Blackberry) photographs that are posted on the web from a smart phone automatically have a geo-tag embedded in the metadata (which means it's invisible to the viewer) of the photograph. The tag includes the latitude and longitude where the photograph was taken. i.e., if you're tweeting about something, say the great dessert you just had, and send out a picture to your envious friends – unknown people can discover quickly where you are.
My first thought was, "What's the big deal? So I'm having a fancy ice cream in SoHo."
Then I read on: researchers Ben Jackson and Paul Vet did a research project examining information from publicly posted tweets and photos to demonstrate that it is easy to identify where a specific person sleeps, works, and potentially engages in private activities. Software that edits photographs and metadata is frequently freeware and easily available.
As a "proof of concept," they've created a website ICanStalkU.com to educate people about how much information they are releasing onto the Internet. The site actually does a LIVE demo of CURRENT tweets and pictures, with linkage to a Google map.
Both Jackson and Vet separately presented their research at the Hackers On Planet Earth (HOPE) conference in New York City last month to demonstrate just how easy it is to track a single individual using just a few pieces of metadata attached to their tweets and/or online photos.
Consider what business information or inadvertent personal information might be revealed from pictures from a smart phone – even if they are never uploaded. Given how many users are carrying around iPhones and sending pictures – this has an enormous privacy implication.
Their website does contain instructions on how to turn GPS off for the iPhone, Palm and Blackberry – on other phones you may not have that option. The government is actually considering making GPS a mandatory requirement on cell phones in case of 911 calls. It's not a big leap to monitor more than that.
The Website demonstration is unnerving.
Myths About Reputation Risk
I received some entertaining feedback on my previous blog, so I thought I'd share some of the comments I've heard over the last few years about business reputations:
1. "My data is outsourced (hosted, in the cloud, etc) at a third party company. If they lose my data, or get broken into, it's their reputation problem." No matter who loses it, it's still your data – or to put it more honestly, your customers' data. If you outsourced storage, you're responsible, not the vendor. You can't outsource responsibility (see Eigen's Rules of Thumb).
2. "I have a contract with my vendors to secure my data. They signed off that they have secure practices, so I don't need to be concerned. I'll sue the heck out of them if they lose it!" The lawsuit is likely to be much more expensive than it's worth. Audited them lately?
3. "It will go away soon – customers have short attention spans, because there's so many data breaches going on these days." I live in Maine, where I still hear people grousing about having to change credit cards due to Hannaford's data breach. It's a classic: "The only thing a customer remembers more than good service is bad service." News outlets tend to put the "company name" and "data breach" together. Much further down is the "third party vendor" part.
4. "We don't need to encrypt our laptops. There's only a few of us and we never take data off site." If you want to know just how many laptops were involved in data breaches, go to the privacyrights.org and run a search. From 2009 through mid 2010, there were 154 publicly announced breaches (who knows how many more NOT announced) for a total of 87,094,382 individual records lost and/or stolen from unencrypted laptops "protected by a password."
The expression "Going viral" has meaning here. On the Web, a customer who's had their data exposed might not only tell 10 people, they might also write a complaint on their blog, post comments on other people's blogs, write a negative review of your business on a shopping web site, AND criticize you on forums and message boards. Customer expressions of dissatisfaction have outpaced any ability to control negative perception on the Web.
The example that comes to mind is "United Breaks Guitars." Check it out. Nine million views and counting. I watched it one more time – it's pretty funny.
Rethinking Reputation Risk
In a discussion with a client recently, we were talking about reputation as a "risk" to his business. He didn't seem to think it was a long term issue, because so many other issues capture public consciousness so quickly. This got me thinking about "reputation risk" as a concept. I realized that the idea needs some updating.
So here's the formal definition: Reputational risk can be defined as the risk arising from negative perception on the part of customers, counterparts, shareholders, investors or regulators that can adversely affect an organization's ability to maintain existing, or establish new, business relationships and continued access to sources of funding.
As far as I'm concerned the first and the last are the most serious – customers and regulators.
Although no one likes to think about being on the front page of their newspaper with the company name attached to "data breach," a newspaper does come out the next day with other things to announce. News reporting tends to be intense at first, then fade away. This lends itself to my client's point of view.
There's newspapers, and then there's Google.
Consider the plight of Hannaford. A Google search of the name leads me to the bottom of the page, where other search categories are listed – one of which is "hannaford breach." A search on that term leads to some 303,000 results.
How long will it take for that search term to disappear? (I just added to it, unfortunately). Much longer than a newspaper, and more accessible to anyone with a computer, or access to one. Some search engines save and cache search results, as well. What about the Wayback Machine, where you search 55 billion web pages that go back to 1996?
The length of time a negative perception can remain in the public consciousness seems to me to be much longer with the advent of search engines. In the same way that you can "google" someone, you can also "google" companies. Customers complain online and that gets cached, too.
A poor reputation leads to a "negative perception." If customers and regulators have a "negative perception," you will see fewer of the former and more of the latter. Not a good long-term business plan!
Studying Google and Twitter for Malware
The folks from Barracuda Labs have issued a midyear report with some riveting data about the connection between Twitter and Google as venues for malware. You can see the summary and download the report here.
It was fascinating reading their assessment of search engine malware as well as Twitter use and crime rate.
Did you know that only 28.87 percent of Twitter users are actual Twitter users? The rest appear to be categories of Twitter "users" that are actually IDs for business, fan clubs,political and social announcements. The higher the tweets, w/friends and followers, the higher the likelihood of scammers. (This being a very loose interpretation on my part. You should really read the report.)
Where do Twitter and Google tie together? Google acquires Tweets on average of 1.2 days, while the other search engines do not capture the Tweets until an average of four days.
So a bad guy using Twitter to "announce" his malware delivery website (freewaresoft.info, for example) will see his tweet appear on Google much more quickly that any other search engine.
Unsurprisingly, Google provides 69% of malware infected websites in search results.
(It was enough to make me change my default search engine.)
The bad guys are constantly changing their terms to meet the top search engine terms. They even use search engine ranking and optimization.
Another reason (as if we needed one) for controlling social networking in the workplace.
Microsoft "Tattletailing" Private Information via Messenger
An excellent article written by Woody Leonhard over on windowssecrets.com, analyzes the "Classic Version" and new beta version of Microsoft's ("Johnny-come-lately" social networking product) Windows Live. He demonstrates in very detailed fashion that it is impossible to turn off "third party tattling."
Using Woody's example, if I have a conversation with Mr. B on Messenger, he involuntarily becomes my "friend." (When did "friending" become a verb?) If I then have a conversation with Mr. C, Mr B is notified that Mr. C and I are now "friends."
The article walks us through how many ways Woody tried to disable this feature, including contacting Microsoft, to turn this "it's not a bug it's a feature" function OFF. He's far from a technical dummy, and he had absolutely no success.
Everybody in my "Friends" list now will know the next person I talk to on Messenger. Anyone I use Messenger with. In effect, Messenger notifies everyone else I've sent a message to when I communicate with a new person.
Why should I want everyone I've ever communicated with via Messenger to know when I communicate via Messenger to someone new? I can't imagine.


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Sean Cassidy is a character from Marvel Comics that has been around just as long as Wolverine, Beast, Rouge, and even Jean Grey. Today, I am going to teach you "how to draw Banshee", step by step. He is a resident from Ireland, and even though he is Irish, Banshee is one bad mother. He comes from a long line of noble blood that carries a family history of being heroic, and bold. There is also some family secrets that Sean would much rather not talk about, but we will leave that to his personal file since every X-Men character has some sort of link to tragedy, and other troublesome backgrounds in some, way shape or form. Now even though he is a mutant, Sean Cassidy hides it well. There is so many different mutant powers that he has but the most recognizable is his sonic scream which is omitted from his very powerful lungs, throat, and vocal cords. Some of the groups that he has been with in the past besides Professor X's X-Men, is X-Corps, Generation X, Factor Three, the NYPD, and Interpol. I'm not too familiar with this character but just the fact that he has such a powerful scream really makes him a likeable Marvel hero. He might be a little difficult to draw if you are a novice artist, but if you take your time and follow the steps, I'm sure you can teach yourself "how to draw Banshee". Did I mention he will also be in the new X-Men movie as well in 2011? Well he is, and I'm really looking forward to the new movie because it is going to be really interesting to see how everything started from beginning to end. I will be back soon with more drawing fun so stay tuned in folks.
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Vinten®, a Vitec Group brand, has responded to demands from users of today's DV-based multi-purpose cameras with a stunning new addition to its trusted Protouch lightweight camera support range. Introducing the Pro-5Plus.
Within the Pro-5Plus pan and tilt head is a switchable counterbalance spring for smoother, controllable tilt movements, separate pan and tilt locks, continuously variable pan and tilt drag for smoother panning, a 75mm spherical base and level bubble for rapid setup, a quick release Sideload camera attachment system for convenient attachment and release from the head, and a fixed length pan bar that can be positioned to suit any preference.
Despite its lightweight construction, no compromises have been made on camera stability. With a solidly engineered single-stage Pozi-loc Aluminium tripod and lightweight floor spreader, the Pro-5Plus offers class-leading rigidity with maximum control - as any user of Vinten equipment would expect.
The grab-and-go Pro-5Plus system offers two levels of counterbalance; position 1 for the smallest of Camcorders requiring no counterbalance and position 2 for camcorders up to a maximum of 4.5 kg.
With its own tough Petrol® transport case, the new Protouch Pro-5Plus offers a truly professional - and affordable - support system for the smallest DV camcorder.
Go to the Pro-5Plus product page


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Utiku 8ply Marine
Style Code 156
Colour: MARINE
100% Pure Wool - 200g hanks. A semi worsted double knitting yarn spun from carefully selected fleeces from Timahanga Station in the central North Island. Corriedale produces a soft yet hard wearing yarn. Needle Size: 4.00mm (no. 8). Average 36" Jersey: approx 800 grams. Yarn Length: 410m per 200 grams. Tex 480/3. Tension 10x10cm square; 20 stitches 30 rows.
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Hand wash in cool water using an approved wool detergent. Dry flat in shade. Do not bleach. Do not tumble dry. Drycleanable. Cool iron.
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Obituary: Jim Holzwarth memorial today
Special to the Daily
Jim Holzwarth, 88, who made his home in Blue River from1991-2002, was an avid hiker with the Summit County Mountain Goats, and good friend to many here. He passed peacefully on Feb. 18, at a hospice near his residence in Salida. He was preceded by Niki, his wife of 59 years, in 2004. He is survived by two sons, a daughter and three grandchildren. A memorial will be held by his children and local friends at the Salida Community Center, 305 F St., Salida, today from 1-3 pm. Please call the center for more information, (719) 539-3351.
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Flat Point Pencil Sharpener
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At last, a way to sharpen flat pencils! Excellent for use on all General's flat sketching pencils, carpenter's pencils, oval pencils and woodless graphite. Sharpener produces a chisel point. Pack includes one General's flat sketching pencil.
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Aircraft Turbochargers Market examine and study the market position and forecast related with production, consumption, cost structure, and historical data. Aircraft Turbochargers market report provides company, products, end-user, top countries, growth trends, future prospects, segments and sub-segments.Aircraft Turbochargers Market Include Strategic SWOT Analysis Review provides a comprehensive insight into the company's history, corporate strategy, business structure, and operations. The Aircraft Turbochargers Market report contains a detailed SWOT analysis, information on the company's key employees, key competitors and major products and services.
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Sebastian Barry, whose archive resides at the Ransom Center, has written a new novel, The Temporary Gentleman, the latest of six distinct yet related books based on the characters and events of Barry's own family.
The Irish poet, novelist, and playwright is the author of the critically acclaimed play The Steward of Chirstendom (1995) and the novel A Long Long Way, which was a finalist for the 2005 Man Booker Prize. His first novel, Macker's Garden, was published in 1982, two years before he attended the Iowa Writer's Workshop as a Fellow at the International Writing Program.
The Temporary Gentleman is written from the perspective of an Irishman living in Accra, Ghana, in 1957 as he urgently reflects on his life and work. The novel explores its narrator's past serving in World War II, working as an engineer and UN observer, and struggling to maintain his marriage.
Barry visited the Harry Ransom Center in 2006 to meet with archivists about his then-recently acquired papers. The collection includes drafts of the writer's published and unpublished works as well as manuscripts, letters, and more.
To celebrate the release of The Temporary Gentleman, the Ransom Center will be giving away a signed copy of Barry's previous novel, The Secret Scripture (2008). To be eligible to win, tweet a link to this blog post and mention @ransomcenter. If you're not on Twitter, send an email to hrcgiveaway(at)gmail.com with "Sebastian Barry" in the subject line. All tweets and emails must be sent by midnight CST tonight, and winners will be drawn and notified tomorrow, May 14. [Update: This giveaway is closed, and the winner has been notified.]
Related content:
L.A. theater company resurrects deleted monologue in Sebastian Barry's "The Steward of Christendom"
Writers Reflect with Sebastian Barry


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Steam Unlimited - Volume I
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The League
Season Four - Episode Descriptions
Episode 5 - "Judge MacArthur" (Airs November 8, 10:30 pm e/p) - Kevin decides to run for judge and ends up at a charity event with Bills Quarterback Ryan Fitzpatrick. The guys take an intelligence test to decide who's the smartest. Andre refuses to believe he's balding. Written by Jeff Schaffer & Jackie Marcus Schaffer; directed by Jeff Schaffer.


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Conservatory Roofs & Garden Rooms in Bramhall
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Shop > Women's > By Brand > Fratelli Orsini
Women's Crochet and Leather Driving Gloves By Fratelli Orsini
$116.95 SALE! $34.95 (70% off!)
Price reduction on these Italian crochetted driving gloves.
Sizing hint:These gloves run true to size.
When you consider the extremely high quality of these extraordinary handmade women's driving gloves, it's clear that they are an absolute bargain. Italian women work in their homes to crochet the back and thumb of these gloves by hand, then the master artisans at Fratelli Orsini assemble them, adding stunning handsewing throughout. Given the long hours of incredible handwork that are required to make these handmade gems, they could never be an inexpensive item, but we do our best to order them at the lowest possible price so nearly everyone can afford to enjoy this artiginal tradition.
Sizing hint:These gloves run true to size.


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Thursday, September 13, 2007
Kevin Goldstein Chat Snippets
jaymoff (Salem, OR): Jake McGee . . . Best LHP in the minors?Goldstein also has a piece about the Astros up in which he points and laughs at Houston scouting director Paul Riccarini:
Kevin Goldstein: Not while Kershaw is still around.
brianjamesoak (Alameda, CA): It seems like everyone says the A's farm system is desolate, yet the Rivercats have the second best record in the PCL. How does that happen? Lot of good but no great players?
Kevin Goldstein: You could say that the A's have a whole lot of big leaguers in their system, but not a whole lot of impact players -- that's the issue.
Rich (Pickerington, OH): Kevin, Does James McDonald have a future in the majors? He's really come on strong in the minors this year as a pitcher. Also, is there any chance for Kuo and Greg Miller to remain healthy enough to be starters in the majors?
Kevin Goldstein: Go Tigers. McDonald definitely is the real deal. Good fastball, even better curve, and sneaky changeup. I still have some faith in Kuo as a reliver, but I don't think Miller will ever throw enough strikes.
[Houston has] a miserable three-year record, and the solution unfortunately is an ugly one. The first step is a thorough housecleaning-–what happened this June is inexcusable, making Sapp the first high school catcher selected in 2006 when Hank Conger was on the board is laughable, and the 2005 group is starting to look just as useless. There has been a failure on the scouting front, in terms of both talent evaluation and their selection philosophy, and it needs to be corrected.Nice to know the Angels got an overlooked keeper... this year's draft sure doesn't seem to be generating much buzz.
Update: Hank Conger is throwing out only 21% of would-be base-stealers, a number well below average.
Conger hit .290/.336/.472 as a 19-year-old for low Class A Cedar Rapids. He is lauded for his well above-average arm strength, but there were concerns before the season about whether he could stick at catcher because he is not light on his feet. In 99 attempts against, Conger threw out just 21% of basestealers, which is well below average and may be a cause for concern.
Labels: minors
as for defensive catcher, there's nothing i hear or read that implies his skills are even above average.
best case he continues a Piazza trajectory for bat, and Scioscia makes him at least adequate (more than Piazza at least) behind the dish.
Newer› ‹Older


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Our cat very unexpectedly had to be put down today due to a bad cancer in her intestines that we only discovered this morning, after about a week of noticing she had no appetite. The vet deemed it basically inoperable.
Halley loved getting scratched on the bald spots on her head. She loved icing and cereal milk (the only thing she showed interest in eating besides her food.) She loved sleeping in the window light and she loved a good, fuzzy blanket to curl up in. She was a gift to Matt before we were even married and kept him company by sleeping on his shoulder as a kitten (and of course, randomly attacking his face when he'd open his eyes, haha.) We rescued her from the Lubbock Animal Hospital because they told us no one would adopt a black cat on Halloween 🙂 I am thankful that last night, she let Olive pet her for the first time. Olive's first word was "kee-ka" and she said, "HI!" to Halley before anyone else. 🙂
She was totally crazy, elusive, wild-eyed, and hardly a friend to anyone other than us. But she was OUR crazy cat. She was there for 9 years and went through everything we did. She was a permanent fixture in our home and her constant presence will be missed.


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M1, NGC1952, Crab Nebula
About this image
About this image
This is an enhanced color composite formed from two images of the well-known Crab Nebula, taken on the night of October 27th 1995 with the NOAO/STIS/Tektronix 2048x2048 CCD detector on the 3.5-meter WIYN telescope. At the focal plane of the WIYN, this detector has a sampling scale of 0.2 arc seconds per pixel. This picture shows the full imaging power of the WIYN telescope: the "seeing", or image size, is about 0.6 arc seconds, or about twice the resolution of typical ground-based images. Some shell-like features in the center of the nebula, and the subtle filamentary structure evident throughout the region, are impossible to see in fuzzier (that is, more typical) pictures. This picture has been enhanced from its original appearance using unsharp masking, to reveal even more clearly the amazing filamentary detail brought to light by the excellent image quality attainable with the WIYN telescope.
About this object
The Crab Nebula was originally given this name due to its resemblance to a crab's claw in an early sketch made in 1855 by Lord Rosse's staff astronomer R.J. Mitchell. It is the remnant of a supernova explosion in the year 1054 A.D., which was recorded in five separate accounts in the Far East, although, oddly, no western observation has survived. The nebula was probably first noticed in 1731 by John Bevis, and it was significant enough to be the first entry in Charles Messier's list of nebulae (compiled to avoid mistaking them for comets). The nebula continues to expand and change the details of its appearance, and this is partly due to the violence of the original explosion. However, the star which exploded left behind a rotating neutron star, which continues to beam energy out into the nebula, as well as flashing with a period of only 33 milliseconds. The details of this energy input are important for our understanding both of neutron stars and of the physical conditions in the nebula, and are revealed in the patterns of filaments, their brightness and colors, and the way they change with time.
More: nebulae page, emission nebulae page, messier page, WIYN nebulae page, WIYN emission nebulae page, WIYN messier page.
Minimum credit line: Jay Gallagher (U. Wisconsin), N.A. Sharp (NOAO)/WIYN/NOAO/NSF
Downloadable versions:
400 x 400 26 kb color JPEG (on this page)
1024 x 1024 152 kb color JPEG
2690 x 2690 936 kb color JPEG
2690 x 2690 4.2 Mb 8-bit color TIFF
2690 x 2690 16.6 Mb 24-bit color TIFF
(see NOAO Conditions of Use)
Comments by e-mail to email@example.com


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Praise for Norwich following marches: 'It was great that so many people turned out to show the EDL that it is not welcome in our city'
People in Norwich have been praised for the way they responded and reacted to the controversial English Defence League march.
The centre of Norwich came to a standstill on Saturday as nearly 2,000 people gathered at the front of City Hall to protest.
A crowd of 1,500 people from community, faith and political groups took to the streets under the collective banner of We Are Norwich in protest at the EDL's decision to march through the city, setting off from Chapelfield Gardens.
Meanwhile, on the other side of the city, around 250 EDL supporters arrived in buses and trains at Norwich railway station before gathering in Castle Gardens to make their way to City Hall, where they were met with loud boos and whistles by We Are Norwich supporters.
Norwich City Council leader Brenda Arthur praised the reaction from the people of the city, and the police for ensuring a peaceful day.
She said: "It was great that so many people turned out to show the EDL that it is not welcome in our city.
"We are delighted Norwich remained open for business and that the demonstrations passed off peacefully. The police did an excellent job."
Norwich's policing commander, Superintendent Paul Sanford, said he was pleased overall with the major police operation which kept the peace on Saturday, which featured around 400 officers from 11 constabularies.
Police yesterday charged three men following disturbances sparked by the marches.
Supt Sanford said: "I'm really pleased with the outcome and I'm really proud of my officers for dealing so well with a situation that was really challenging at times.
"We had two groups who vociferously wanted to make their point and we allowed them to do so with only a few outbreaks of disturbance.
"I would like to thank the public for being so patient, as were businesses, and I'm sorry for any disruption they had to cope with.
"There were big crowds that formed outside of the two protest groups who were just interested to see what was happening, larger than we expected there to be, but I'm pleased that remained peaceful as well.
"Every last officer played an important part in the operation and the mounted section on Gaol Hill in particular were fantastic in controlling the crowds."
The day was punctuated occasionally by minor scuffles, with police delaying the arrival of the EDL march group by nearly an hour following a disturbance on Castle Meadow.
They finally set off on a slow march at 1.30pm and got to City Hall just before 2pm, where speaker Glen Saffer urged the crowd to remain calm and ensure a peaceful protest.
The spectacle was watched by hundreds of onlookers going about their normal Saturday-afternoon shopping. Chants of "EDL go home" and "Whose streets? Our streets!" could be heard across the heavily-policed neutral zone in front of City Hall, to which Mr Saffer replied: "We will never surrender".
The EDL took the decision to march in Norwich in protest at Norwich City Council's decision to ban Rev Alan Clifford, from the Norwich Reformed Church from his stall in Hayhill, for allegedly publishing anti-Islamic leaflets.
Julia Angelcynn, who had been involved with Rev Clifford's stall in Hayhill, referred to City Hall as "the Kremlin" in her address to the crowd.
She added: "The people in this building behind me seem very anti-freedom of speech."
At 2.30pm, and to a chorus of boos, whistles and waves, the EDL marchers were escorted by police back to waiting buses and trains at Norwich station.
With crowds having formed along Gaol Hill, the horses of the mounted division from Essex Constabulary were used to ensure no further trouble could break out.
The EDL supporters were allowed to disperse down Prince of Wales Road, but a continued police presence separated the EDL and We Are Norwich groups.
A final altercation outside the Natwest Bank in Prince of Wales Road brought 20 officers sprinting to intervene.
Nick O'Brien, secretary of We Are Norwich, said he was delighted with the group's response to the EDL.
"We are Norwich said that we would prevent the EDL getting to the steps of City Hall and the war memorial – we did.
"We said that we would build a massive and broad coalition to oppose them – we did.
"We said that we would be peaceful, family-friendly but loud and determined – we were."
He said the formation of We Are Norwich was a "beacon of light and hope" for positive action, and pledged the group would continue to oppose the EDL.
"We Are Norwich will stay together for as long as we are needed. The EDL will never be welcome here."
CLARIFICATION: Previous mentions of The Steadfast Trust in this article have been removed after the charity made it clear that Julia Angelcynn no longer has any association with them and only worked with the charity as a volunteer for a short time.


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RaceChip S Tuning Box for Alfa Romeo 156
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- 5 fine tuning mappings for a gradual custom-fit
- Simple execution via the rotary control
The RaceChip S increases the torque available and efficiency at the given engine speed. Therefore, a higher gear can be selected, less gear-changing is necessary in general, and fuel is used more efficiently. As a result, your car's MPG can be increased by up to 15%.
AvailabilityMost of our RaceChip products are stocked and ship within 2 working days. To make sure you're not hit with unexpected delays, please email us at firstname.lastname@example.com
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All car parts are sent via a tracked delivery service or courier, depending on the size and weight of the shipment.
Shipping to the UK can vary depending on manufacturer, but we advise customers to expect delivery of their order within 3-5 working days.
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Alfa Romeo 156 aftermarket parts and accessories
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Populate the sidebar with your favorite apps, and simply swipe in from the edge of the screen to gain instant access to the apps you use most. Simple – yet elegant.
- Fast, fluid, and immersive animations are integrated within Sidebar that keep it as quick as possible, yet help to add a dash of elegance to its presence.
- A simple Add button appended at the end of the sidebar summons a menu listing all the apps installed on your system. Simply pick an app, and it will be added to the sidebar for quick access.
- To dock the sidebar, simply select an app or touch outside
- To remove an app, simply swipe it out of the sidebar! Alternatively, long pressing will bring up further options such as inserting and replacing.
- Starting on boot
- Adjusting the width & opacity of the bar
- Adjusting the color scheme & position
- Enabling/Disabling animations
- Adjusting the swipe sensitivity
- Enabling/Disabling vibration
Sidebar Pro
Sidebar Pro lifts the limitations put on the lite version and opens access to new customizability as well as functionality – elevating sidebar, to its most impeccable and pure state.
What's in this version : (Updated : Feb 22, 2013)
- Drop shadow added.
- Speed improvements have been made.
- Widgets have been added and are working! Wifi-Bluetooth-Brightness-GPS-autorotate-Torch!
- Support for devices with no flash
- Sound widget
Required Android O/S : 2.1+
Screenshots :


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New Man of Steel set photos reveal all's not peaceful in Smallville. Joe Johnston explains the heart of Captain America. A Shaun of the Dead star joins Snow White and the Huntsman. Plus the Evil Dead reboot is really happening!
It's spoilers all the way down!
Top image from The Hobbit.
Amazing Spider-Man
Want to get a better look at Spidey's new movie costume? Check out this extreme close-up picture, which lets you see the rubbery texture of the thing. [Screen Rant]
Captain America
Director Joe Johnston explains what makes the movie and the character stand out:
Well, I think Captain America is different enough from the rest in that it's period, it's an origin story, the first in a series...
What would you describe as the "heart" of Captain America?
Well it's the spirit of the underdog and this guy who just wants to do the right thing. All he wants to do is serve his country, he gets turned into the perfect human specimen overnight, and his thought is, "I've got everything I wanted," and of course he DIDN'T get everything he wanted. He's still rejected, they still think of him as a lab rat, but it's about overcoming and his refusal to give up. I think more than anything it's about not giving up – it's simple.
Paramount has released yet another batch of promo photos. [Comic Book Movie]
Man of Steel
Here are some new set photos from Plano, Illinois, which appear to reveal some of the movie's collateral damage in the form of two seriously totaled vehicles. [Superman Homepage]
Total Recall
Here are some awesome set photos that reveal the movie's futuristic police, or possible some sort of particularly intense ski vacation. You can find a lot more at the links. [ThisFilmBlog Tumblr, Ain't It Cool News, and On Location Vacations via /Film]
Breaking Bad star Bryan Cranston, who is playing the Cohaagen character, reveals he has been filming in Toronto for at least the past week. [AV Club]
Evil Dead Reboot
Well, it's looking more or less official now - Ghost House Pictures has put out a press release confirming a remake is in the works, that Panic Attack's Fede Alvarez is directing, and that the script is by Alvarez and Rodo Sayagues. Sam Raimi and Bruce Campbell are both on board as producers. [ShockTillYouDrop]
The new American adaptation directed by Monsters' Gareth Edwards has reportedly hired long-time Batman screenwriter David Goyer to write the script. [Deadline]
The Hobbit
Here's the latest photo of dwarves, this time of Stephen Hunter as Bombur, James Nesbitt as Bofur and William Kircher as Bifur. [IGN]
Harry Potter and the Deathly Hallows: Part II
Tom Felton says he was made up in the future epilogue -
which will now only appear on the DVD* - to look like his on-screen father Jason Isaacs. Speaking of Lucius and Draco, Felton explains the big moment of disobedience during the Battle of Hogwarts and how that prompts his eventual reform:
It's open for interpretation. It was in the book and, hopefully, we've done that in the film as well. That's not a bad way to look at it. I think at that moment when he gets called over, his dad's voice doesn't do much to him. It almost makes him say "I'm not moving". But, when his mom calls him over, I suppose it's like in real life really, sons have a soft spot for their moms. If my mom asked me to do something, I'd do it for sure.
I suppose that's the moment where he realizes that Lucius hasn't quite been the wonderful influence that he once thought he was. Throughout his life, Draco has wanted to be Lucius and almost in that moment he realizes, "I don't want to be anything like him" so yeah that's nice. It's 19 years later and he's a lot better parent than Lucius was, I'm sure.
* As many of you have pointed out, the epilogue IS in the finished film. Apologies for the mistake.
Snow White and the Huntsman
Shaun of the Dead and Hot Fuzz's Nick Frost has reportedly joined the cast as one of the dwarfs. It's a little unclear which role he is playing - Eddie Izzard is left out of the roundup and it says Frost is one the seven dwarfs, which suggests he might be taking over as Tiberius. However, it's also possible that Frost will beplaying an eighth dwarf named Gus, who was originally mooted as an unwanted hanger-on of the other dwarfs. The latter sounds more interesting — and apt, considering Frost is a bit of an odd man out among the acting heavyweights like Ian McShane and Bob Hoskins already cast. Anyway, I guess we'll find out soon enough. [Variety]
Untitled Charlie Kaufman/Spike Jonze Project
The creative team behind Being John Malkovich and Adaptation. is working together again, this time on "a satire about how world leaders gather to figure out all the seismic events that will take place in the worlds, from oil prices to wars that will be waged." Now, Joaquin Phoenix is reportedly up for the starring role. [Twitchfilm]
Underworld 4
The latest entry in the quietly resilient Underworld franchise will be called Underworld Awakening. [ComingSoon.net]
G.I. Joe 2
Wu Tang Clan's RZA, besides being the unofficial poet laureate of this and all other generations, is currently up for Blind Master in the sequel. Now, RZA has weighed in on the reports:
"It's a great offer, a great producer. I like John Chu, he's directing it. We had a fun time talking about the character. It's a very strong cast. I want to do that. I think it will be a lot of fun, and I love having fun."
A new photo reveals Channing Tatum has completely shaved his head. Since the movie has reportedly started shooting, it appears Duke may be sporting a hairless look in the sequel. [Daily Mail]
Batman: Year One
Bryan Cranston is playing Commissioner Gordon in the DVD movie. He briefly explains how the character is portrayed:
The Commissioner Gordon role is complex, because he's conflicted. Basically good, but he has some major character flaws.
Jarrod Joseph revealed he is on set Friday to film another episode, presumably reprising his role from last season's "Marionette" as an FBI agent. [@jarodjoseph]
According to director Guy Norman Bee, Kim Rhodes will return as Sheriff Mills in the third episode. Also, looking much further ahead, the season will reportedly be 23 instead of 22 episodes long, featuring an extra-length season finale. [SpoilerTV]
Here are some set photos. [SpoilerTV]
Warehouse 13
Iron Man and Star Trek's Faran Tahir will reportedly appear in the next episode to assess whether Myka should actually be allowed to return to active duty. [TV Line]
Eddie McClintock implies Pete won't have any new relationships this season. He also previews the season's guest stars, as well as revealing there are still more we don't know about:
The thing for me, and besides the fact that I think the stories this year are even stronger than last year, I just think the show is more fun. It's more exciting this year especially because we have some great guest stars this year. Lindsay Wagner is coming back. Rene Auberjonois is coming back. Kate Mulgrew. Jeri Ryan. Sasha Rois from 'Caprica'. Alessandra Torresani from 'Caprica' has a guest spot. Then there's a few that I'm not allowed to talk about. So, it's great. It's one thing to have stunt cast just for the sake publicity, but to actually get actors who do great work and fit in so well with the show, it's just an added bonus.
Joanne Kelly reveals the growing relationship between Steve and Claudia:
"He's kind of like her Pete. Not in the same way, but they really grow to have an affection for each other, and I think he's a really nice fit for the show."
A few tidbits for the upcoming season from stars Colin Ferguson and Salli Richardson-Whitfield:
- Even though it might seem like it, Carter's not oblivious that there are still bumps and problems to come with him and Allison.
- Zoe will be back a couple of times this season.
- At the end of the season, the series kicks into next year's arc in a way you don't expect.
There's more at the link. [Daemon's TV]
Here's a new sneak peek.
Here's a season two sneak peek.
Nine Lives of Chloe King
Here's a promo and three sneak peeks for the next episode, "Nothing Compares 2 U."
Teen Wolf
For some reason - and I don't know whether I've ever used that phrase more appropriately - MTV is bringing the show back for a twelve-episode second season. [EW]
Additional reporting by Gordon Jackson, Charlie Jane Anders, and Meredith Woerner.