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Information Security
- FeatureVulnerability Management: QualysGuard Enterprise (2007)
- FeatureWireless
- FeatureIntrusion Detection/Prevention
- Feature2007 Readers' Choice AwardsMethodology
- FeatureProspective Buyers Want Answers
- FeatureAntimalware: McAfee VirusScan Enterprise and AntiSpyware Enterprise
- FeatureDatabase security, software appliances review: Readers Choice Awards
- FeatureApplication Security: 2007 Readers' Choice Awards
- FeatureIdentity and Access Management product reviews: Readers Choice Awards
- FeatureAuthentication: 2007 Readers' Choice Awards
- FeatureEndpoint Security: 2007 Readers' Choice Awards
- FeatureSecure Remote Access
- FeatureEmerging Technologies: 2007 Readers' Choice Awards
- FeatureNetwork Firewalls
- FeatureRisk and Policy Management
- FeatureSecurity information, event management systems: Readers Choice Awards
- FeatureUTM
- FeatureMessaging
- FeatureEditor's Desk: 2007 Readers' Choice Awards
- FeaturePING: Shelly Barnes
- FeatureViewpoint: Best of breed vs. suites
iSTOCK/GETTY IMAGES
Security information, event management systems: Readers Choice Awards
Get the Information Security Readers Choice Award results for security information management system (SIMs) products from vendors like Archsight, Check Point and NetIQ.
GOLD | ArcSight Enterprise Security Manager
Price: $50,000
Organizations looking for a security information management (SIM) solution have a lot of vendors to choose from, but ArcSight Enterprise Security Manager stood out from the crowd, according to readers. The product won a gold medal in the SIM category, scoring high marks for its event correlation capabilities, effective management interface and compatibility with existing systems.
ArcSight ESM also scored well in its ability to map information to security policy or compliance regulations, and its granular and flexible policy definitions.
The biggest benefit of ArcSight ESM is its dashboard graphics for analysis of security events, says Tim Maletic, manager of information security at Priority Health, a Michigan-based health insurance company.
The product allows him to easily view events, drill down through various displays and pull data to research events.
In addition to using ArcSight ESM for incident detection and response, Priority Health uses the product to help with various compliance efforts. "It does a good job of recording what you do with the tool," Maletic says.
"I can use that data to back up my incident response policy and other policies we get audited on, and prove we're doing what we say we're doing," he adds.
Maletic says the list of devices ArcSight ESM supports is impressive. Priority Health uses the product to integrate data from IDSes, firewalls, Windows, UNIX and Linux servers, antivirus, and vulnerability assessment systems. The company also is writing customized agents for homegrown applications.
The fine-grained policies ArcSight ESM provides for user management can be a little daunting to set up, but provide valuable flexibility, he says.
Last year, ArcSight bolstered ESM with the release of its Compliance Insight Packages. The packages bundle rules and reports based on ISO 17799 and NIST 800-53 standards to help organizations meet regulatory requirements such as SOX, HIPAA, and the Payment Card Industry (PCI) Data Security Standard.
Also in 2006, ArcSight expanded beyond its core capabilities in security management with its acquisition of ENIRA Technologies, a supplier of technology for automating network management tasks. After the acquisition, ArcSight released Network Response Manager, which automates network responses in order to block worm outbreaks, hacker attacks or other security events, and Network Configuration Manager for automated network discovery and configuration management.
SILVER | NetIQ Security Manager
Price: Console, $2,500
Readers noted NetIQ Security Manager's management interface and compatibility with existing systems, earning it a silver medal.
The product helps organizations cope with compliance and the deluge of security events by consolidating and archiving log and event data. It provides a single system for event correlation, analysis, real-time intrusion protection, and reporting. NetIQ, acquired by Attachmate last year, released last fall NetIQ SM 5.6. It includes an enhanced UI with customized views of data from multiple sources, improved access control to support multiple roles during incident response, and reporting flexibility to allow for creation and viewing of reports based on audience and priority.
BRONZE | Check Point Eventia Suite
Check Point Software Technologies
Price: $25,000
Check Point Software Technologies' Eventia Suite won the bronze medal, scoring high marks from readers for its ability to map information to security policy or compliance regulations, and its event correlation capabilities.
Eventia also scored well in ROI--readers said they get their money's worth with the product. The Eventia Suite consists of the Eventia Analyzer for real-time security event correlation and Eventia Reporter for historical trend analysis. The suite helps organizations filter security events to zero-in on the ones that matter, respond in real time to incidents, and ease compliance efforts with centralized analysis and reporting.
In the trenches
Tradeoffs to consider with SIMs
SIMs require plenty of up-front work understanding business processes and tuning agents, but the payoff is better security.
Security information management (SIM) systems can be a big help to an organization, but they have their downsides.
While SIMs can help meet audit requirements and improve incident response, they can be complex to deploy and difficult to manage. There may be agents that need tuning, false positives to sort out, and reports to run--all of which require resources. Some organizations have one or more engineers devoted full time to a SIM.
Jim Granger, technical director at the Navy Cyber Defense Operations Command, says SIMs are like any other technology in that they require an up-front investment of time and resources. And not just anyone can implement them; skilled technicians are needed.
"SIMs force you to understand what your business processes are and what your networks look like, but that in and of itself is a good thing," he says.
When first installed, SIMs can generate a lot of security events that don't need attention, but tuning the system for a specific environment helps resolve that problem, says Dave Daniels, network security engineer at PPD, a global contract research firm serving pharmaceutical and other organizations. The company installed a SIM from Q1 Labs that combines SIM with anomaly-based detection technology.
"The more it knows about your network the better," he says.
The payoff is streamlined security monitoring that makes it easier to track and analyze virus outbreaks, according to Daniels.
Security managers advise others to take the time to understand their needs before leaping into a SIM purchase.
"They really have to understand what their requirements are and map it to the products that they're after," says Dave Lewis, head of security at the Independent Electricity System Operator in Ontario, Canada.
"Don't worry about what vendor you're dealing with. Worry about what you actually need. ...If you don't understand what you actually need, you're going to get a mess," Lewis says.
Likewise, Glenn Haar, IT resource manager at the Idaho Tax Commission, advises organizations to figure out what they want to accomplish before looking at specific SIM products. His firm studied its compliance and security needs before choosing High Tower Software's appliance.
"We didn't look at the product first. We talked about what our business goals were first," he says. "If you get your education from vendors, typically they educate you the way they want you to understand the world. Next thing you know, their product is the perfect fit."


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subset: commoncrawl


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v6.0 2019 May
An integrated database of Homo sapiens genomic data
|olfactory receptor family 5 subfamily AC member 1 (gene/pseudogene)
|Cytological Location
|Olfactory receptors interact with odorant molecules in the nose, to initiate a neuronal response that triggers the perception of a smell. The olfactory receptor proteins are members of a large family of G-protein-coupled receptors (GPCR) arising from single coding-exon genes. Olfactory receptors share a 7-transmembrane domain structure with many neurotransmitter and hormone receptors and are responsible for the recognition and G protein-mediated transduction of odorant signals. The olfactory receptor gene family is the largest in the genome. The nomenclature assigned to the olfactory receptor genes and proteins for this organism is independent of other organisms. This olfactory receptor gene is a segregating pseudogene, where some individuals have an allele that encodes a functional olfactory receptor, while other individuals have an allele encoding a protein that is predicted to be non-functional. [provided by RefSeq, Jan 2017]


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LOS ANGELES, Feb. 26 (UPI) -- Jessica Alba has come a long way since Dark Angel launched her to stardom.
While interviewing for the March issue of Nylon magazine, the 32-year-old actress disclosed that there was a time when she was really afraid of people's opinions. Those days, however, are long gone.
"Before, I was so fearful of failure and judgment that I was scared to put myself out there," Alba told the magazine, adding that she eventually realized that "you don't have to be a robot, you don't have to be appropriate all the time."
The Machete Kills star went on to say that after going for "tentpole movies that were going to be big and global," she now wants to work with "directors who I think are cool, and on movies that I think are fun and characters that I think are interesting, whether that's an indie or a big movie."
"It's been liberating to be able to play someone who's a badass or promiscuous because that's the opposite of who I am ... It's like a drug," Alba said.
Alba will next be seen in the TV mini-series The Spoils of Babylon alongside Tobey Maguire and Kristen Wiig.
[Nylon] [People]


text: Final Speaker Lineup for CanSecWest 2009 (March 18-20): =============================================== The Smart-Phones Nightmare - Sergio 'shadown' Alvarez Getting into the SMRAM: SMM Reloaded - Loíc Duflot Network design for effective HTTP traffic filtering - Jeff "rfp" Forristal, Zscaler Ninja Scanning - Fyodor, Insecure.org On Approaches and Tools for Automated Vulnerability Analysis - Tanmay Ganacharya & Nikola Livic & Abhishek Singh & Swapnil Bhalode & Scott Lambert, Microsoft Kicking It Old School: No DNS Packets Were Harmed In The Making Of This Presentation - Dan Kaminski, IOActive Binary Clone Wars: Software Whitelisting for Malware Prevention and Coordinated Incident Response. - Shane Macaulay, Sean Comeau, and Derek Callaway, Security Objectives .NET Rootkits - Erez Metula The Evolution of Microsoft's Exploit Mitigations - Matt Miller and Tim Burrell, Microsoft An overview of the state of videogame console security. - Victor Muñoz A Look at a Modern Mobile Security Model: Google's Android - Jon Oberheide Bug classes we have found in *BSD, OS X and Solaris kernels - Christer Oberg and Neil Kettle, Convergent Network Solutions Multiplatform Iphone/Android Shellcode, and other smart phone insecurities - Alfredo Ortega and Nico Economou, Core Platform-independent static binary code analysis using a meta-assembly language - Sebastian Porst & Thomas "halvar" Dullien, zynamics Persistent BIOS Infection - Anibal Sacco & Alfredo Ortega, Core Decompiling Dalvik and other JavaFX - Marc Schoenefeld Automated Real-time and Post Mortem Security Crash Analysis and Categorization - Jason Shirk & Dave Weinstein, Microsoft SSL, The Sequel: MD5 collisions and EV certificates - Alexander Sotirov & Mike Zusman Exploiting Unicode-enabled software - Chris Weber Chinese Infosec & Malware Overview - Wei "icbm" Zhao, 365menshen Hacking Macs for Fun and Profit - Dino Dai Zovi & Charlie Miller ...and a variety of lightning talks... Security Masters Dojo courses (March 14-17): ==================================== Metasploit: Asymmetric Warfare - H D Moore, BreakingPoint Systems Advanced Honeypots - Thorsten Holz IPv6 Network Security - Nico Fishbach & Guillaume Valadon, COLT & CNRS Ultimate Web Hacking (One Day Edition) - Mike Andrews, Foundstone TCP/IP Network Security In Depth - Andrea Barisani, inverse path Effective Fuzzing using the Peach Fuzzing Platform - Michael Eddington, Leviathan Security Secure Java Programming and Auditing - Marc Schoenefeld Practical 802.11 WiFi (In)Security - Cédric Blancher, EADS Q/SSE Qualified/ Software Security Expert Certification Bootcamp - Security University Q/SA Qualified Security Analyst Penetration Tester - Security University Advanced Linux Hardening - Andrea Barisani & Jay Beale, inverse path & Intelguardians Physical Security and Lock Technology - Deviant Ollam The Exploit Laboratory - Advanced Edition - Saumil Shah, Net-Square Mastering the Network with Scapy - Phillipe Biondi, EADS Pwn2Own Contests: ================ There will be TWO Pwn2Own contests this year. Generous cash prize(s) for exploits will be sponsored by Tipping Point, and a Sony VAIO P fresh from Japan and a new loaded Apple Macbook will be amongst the prizes. The targets this year will be mobile smart-phones, and browsers. Mobile targets: iPhone Android Symbian RIM/BlackBerry Windows Mobile Browser Targets: IE8 FF3 Safari Opera The contest will like in previous years feature a progressively expanding attack surface over the three day duration of the conference. Final prizes and rules will be announced shortly. Post-Conference Whistler Expedition: ============================= We have secured some rooms at good rates at the Westin in Whistler and reserved a cluster of four, 3-5 bedroom, cabins for the weekend after the conference. Contact dr at ...381... if you wish to be included in the planning, final accommodation rates will be announced shortly. Conference Hotel Block: =================== The room rates at the Sheraton Wall Center hotel where the conference is being held have been reduced from $183 to $169, and still includes a waived $15/day free internet access in the rate. Tenth Anniversary Gala Event: ======================== Since this is our tenth anniversary for the conference, we will be having a party on Thursday night. Venue TBD. We're pretty sure there will be a cake. No word yet on whether there will be dancers inside it. ;-) Day-Care Facilities will be available: ============================= As a nod to the shifting demographic of early gen. security researchers we will be trying a new experiment this year and we will be providing day-care facilities for those traveling with kids. We will try to arrange some group discounts with our provider once we know how many kids and what ages and times will have to be accommodated. If you are interested in this service please send a note to yuriko at ...14522... and let her know ages and times. We will try to get them started on exploit writing courses for pre-schoolers :-). Does this mean we are all grown up now? It promises to be another fun conference again this year. See you all there. cheers, --dr -- World Security Pros. Cutting Edge Training, Tools, and Techniques Vancouver, Canada March 16-20 2009 http://cansecwest.com pgpkey http://dragos.com/ kyxpgp


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Friday, 6 January 2012
Answering the wrong question on ministerial salaries
There have always been two types of criticisms leveled at ministerial salaries. The first category comprised criticisms of the formula itself, that it led to distortions and did not achieve the outcomes we wanted. These are technical criticisms that implicitly endorsed the principle of pegging ministerial salaries at a discount to supposedly equivalent private-sector salaries.
The second category comprised criticisms of the absolute amount of ministerial salaries, which are seen as being excessive in their absolute amounts and completely out of touch with normal Singaporeans. These are political criticisms that will persist regardless of the formula used, because they stem from a fundamental perception that the absolute salaries are simply unjustifiably high, regardless of the formula used.
Well, here's what I think: the Committee gave a good answer, but to the wrong question. The Committee's recommendations will address the first type of criticisms, but will do nothing to stem the second.
I actually happen to think that within the limitations of its terms of reference, the Committee did a pretty good job. That's because its terms of reference required (and perhaps limited) the Committee to "take into account salaries of comparable jobs in the private sector and also other reference points such as the general wage levels in Singapore", and to implement "a significant discount to comparable private sector salaries to signify the value and ethos of political service."
The Committee fixed a lot of the major flaws in the previous formula. For instance, by expanding the sample size of income earners from the top eight earners in six professions to simply the 1000 highest-income Singaporeans, the Committee effectively rendered irrelevant the problem of the 48 top earners being a changing cast while the ministers themselves did not change. Similarly, the new bonus structure is much improved on the previous simplistic reliance on GDP growth as a proxy for the good performance of the Government (and on that, I was reminded of this defence of the previous bonus structure by now-DPM Teo Chee Hean).
But I do think that the Committee was asked to answer the wrong question. The Committee's terms of reference had already pre-supposed that fundamentally, the proper way to determine ministerial salaries was to compare with private-sector salaries ("how do we calculate ministerial salaries taking account private sector salaries and other guidelines"). In other words, the Committee was only being asked to answer the technical question of precisely how to calculate ministerial salaries based on private-sector salaries.
But to my mind, the question of ministerial salaries is actually a political one ("how do we determine ministerial salaries in a way that Singaporeans can and will support"). And so, we ended up with a technocrat's answer to a technical question, when what we really needed was a political answer to a political question. Since we didn't get that, the political criticisms I had referred to will almost certainly continue.
It is clear from the report, and subsequent public comments, that the Government, and the Committee, continue to think about ministerial salaries in terms of private-sector salaries and sacrifice by office-holders, especially financial sacrifice.
I think that is a completely incorrect approach to the question, which as I have said is a political one. This approach will never get true buy-in from the majority of Singaporeans, because they see the Government and ministers in completely different terms.
The Government and the Committee see public service as a sacrifice, as if it is some sort of burden or imposition. But I, and I suspect most Singaporeans, see public service as a calling, as an honour and a privilege. It is something to be proud of, and not something to bemoan and begrudge. That is what the spirit of public service is about.
The Government and the Committee also see private-sector jobs as being closely equivalent to ministerial posts, as if running a company is very similar to running a country. I think most Singaporeans disagree, because they instinctively understand that running a country is a political undertaking that is fundamentally different from running a company, requiring as it does political sensitivities and skills that are not always or usually needed for corporate success (and here, I am talking about popular politics, not office politics).
I do want to be clear: I don't necessarily think that S$1m a year is excessive. I don't know for sure what number would or should work, but it probably won't be a small number. I do think that Singaporeans should be more mindful of wanting ministerial salaries that are so low, that only rich people will run for office. I also think Singaporeans should be careful about cutting salaries so much, that our office-holders become distracted from the all-consuming job of running the country by personal financial needs.
So that begs the question of how ministerial salaries should be set. Well, I think the starting point should be that we do not want money to drive ministerial aspirations, but at the same time we do not want ministers to have to worry about their personal finances.
One way to do this is to figure out what a reasonable salary for a minister would be, such that he/she can maintain a reasonable lifestyle. And by reasonable lifestyle, I would think that the salary should be enough to comfortably cover mortgage payments for a reasonably-priced landed property in a reasonable location; payments for 2 cars for the family; education for a minister's children (including overseas education); some retirement savings; and so on.
This may or may not be a big number, but then at least it becomes more politically defensible in terms of this being what is necessary to allow the minister to do his/her job without undue distractions and while allowing the minister to maintain a reasonable standard of living. It also completely strips away the effects of the widening income gap, although it does become subject to changes in the cost of living. It represents an approach that can be explained to people and which people can instinctively understand (viz. the need to take care of one's family).
Sadly, this is not the approach that has been adopted for Singapore. Which is why I think Singaporeans will continue to be dissatisfied with the level of ministerial salaries in Singapore.
The question of ministerial salaries is a critical one for Singapore. Not just for the obvious reason that it affects who enters into government (and who is attracted to join politics in the first place), but also for how it has severely poisoned political discourse in Singapore. Every time something bad happens, there will be people who will complain about how our highly-paid ministers had once against failed – whether or not this is justified. This cannot be a healthy state of affairs for Singapore.
The Government recognized this, hence the Committee. Unfortunately, I firmly believe that these latest changes will not suck all of the poison out of local politics. What a wasted opportunity.
22 comments:
- The Observer said...
Kum Hong,
I refer to your para in your blog piece:
"One way to do this is to figure out what a reasonable salary for a minister would be, such that he/she can maintain a reasonable lifestyle. And by reasonable lifestyle, I would think that the salary should be enough to comfortably cover mortgage payments for a reasonably-priced landed property in a reasonable location; payments for 2 cars for the family; education for a minister's children (including overseas education); some retirement savings; and so on."
My personal opinion on this para is that it is flawed in terms of principle. The benchmarks you mentioned are precisely the problems we are facing in Singapore - housing, transportation and education. If our ministers cannot even subscribe to the fact that housing, public transportation and education are world class that they need to purchase landed property, own cars and send their kids for overseas education, what message are they sending to us, the populace.
Other than his, I agree with your conclusion. They kept to 3 principles in their review:
1) Salaries must be competitive so that people of the right calibre are not deterred from stepping forward to lead the country;
2) The ethos of political service entails making sacrifices and hence there should be a discount in the pay formula; and
3) There should be a "clean wage" with no hidden perks.
Principle 1 was already highly flawed from the beginning. Salaries should not be the main deterrent, I agree only with the loss of personal space and privacy. If I may, rehash Vivian Balakrishnan's quote "What do you want? 3 meals at a hawker centre, food court or restaurant?", it will be, "What is competitive? 3 cars from Borneo Motors, BMW or Aston Martin?"
Fundamentally, the review is flawed in many ways. Consider para 32 of the report:
"Politics is a calling and privilege, and those who want to serve must have a sense of duty to the nation and a desire to contribute to the public good. For a country to succeed, talented people need to step forward to serve when they are in their prime. In designing salaries, it is important to consider the quality of talent that we desire to lead our country and the opportunity cost faced by this group in deciding to enter politics."
Just how do you define "prime" and "quality of talent"? This is very debatable and yet there seems to be a fixation on the "standard definition" of such terms according to the establishment.
There are also some glaring inconsistencies in the review. For example, para 66 (d) explains clearly why the review committee did not use foreign governments as a benchmark and yet in para 109, the Westminster Parliamentary systems is being referred to and used as a benchmark for the MP allowances for the Prime Minister, Speaker, Deputy Speaker and political appointment holders that have dual roles of being MPs.
While all this is technical, at the end of the day, Singaporeans voted them in, so they shouldn't complain. Hopefully by now, they realise that the vote they have is the real power they wield and not the government's power over Singapore.
- 6 January 2012 at 02:53
- Chan JY said...
"The Government and the Committee also see private-sector jobs as being closely equivalent to ministerial posts, as if running a company is very similar to running a country. I think most Singaporeans disagree, because they instinctively understand that running a country is a political undertaking that is fundamentally different from running a company, requiring as it does political sensitivities and skills that are not always or usually needed for corporate success (and here, I am talking about popular politics, not office politics)."
Yes, but the government's rationale for doing this is to attract people from the private sector to enter politics. For too long, we've been having senior civil servants and generals and they are seeing that "talent" from such sources don't really add value to the leadership.
No, I don't think that running a company is that different from running a ministry. In fact, many people feel that lacking talent from the private sector is exactly why our leadership has lost touch with the ground.
- 6 January 2012 at 08:23
- arul said...
@chan - its rather naive to say its the same running a ministry and a company. the motivations and objectives are vastly different. while similar skills like people management are at play, the mission of the company is vastly different from the mission of the ministry.
the problem with paying million dollar salaries to our ministers, and other top earners, is the disgustingly small proportion they have to pay in taxes.
there would be no issue with paying ministers $1m or more, if there exists a super-tax of 50% on any portion of income above say, $500k or some other acceptable figure.
taxes are too low in singapore for the top 10,000 earners.
- 6 January 2012 at 09:07
- Phantom said...
I think that benchmarking salaries to the private sector is ok and paying ensuring that our the leaders are paid well to attract talent is ok. However, benchmarking should not stop at salaries. As one says, it's no pain no gain. Thus, I am all for paying our leaders well but they should also be benchmarked against their goals and achievements. And thus, the salary structure should have a high variable component, say like 30-50% which will be INDIVIDUAL performance based. Thus, if the Minister of Transportation does well, he will achieve his target salary otherwise, he should also be benchmarked like a private sector leader and be relieved of his post. In the private sector, if the company does not meet it's performance targets, the CEO usually does not get must bonus. In addition, in MNCs, they are measured every quarter and even if a CEO has achieved 10 quarters in a roll, and if he misses the next 1 or 2 quarters, he is relieved of his post as well. Thus, asking for the salary is one thing, but will our leaders subject themselves to this kind of performance measurement?
- 6 January 2012 at 12:22
- Chan JY said...
Of course the mission is different. I don't think any CEO would be dumb enough not to realise that if he becomes a minister, his mission is different. If you put a heart surgeon on a battlefield, you don't need to tell him that he would be removing bullets and not doing bypasses.
The same down-to-earth people (employees, customers, business associates) management skills often lacking the civil service will prove valuable in any ministry.
- 6 January 2012 at 12:25
- Singapore Office: said...
KH, you wrote "One way to do this is to figure out what a reasonable salary for a minister would be, such that he/she can maintain a reasonable lifestyle. And by reasonable lifestyle, I would think that the salary should be enough to comfortably cover mortgage payments for a reasonably-priced landed property in a reasonable location; payments for 2 cars for the family; education for a minister's children (including overseas education); some retirement savings; and so on", isn't this also a technical way in arriving the amount? I guess perhaps this is a more understandable technical way by most Singaporeans. So, from your above mentioned way, what's the acceptable amount to pay a Minister?
- 6 January 2012 at 12:37
- Game1980 said...
landed property: 10 million
2 cars: 100k x 2 = 200k
Education for 2 kids: 500k x 2
Retirement savings: 2 million
Conclusion: 13million
Term: 5 years
So Minister should be paid 2 million annually and are underpaid now. No wonder Grace is so worried that if we cut pay further, there wont be enough takers for the job.
- 6 January 2012 at 16:00
- Recruit Ong said...
the answer to the question of what level of pay is reasonable is actually simple.
bcos all of us agree public service is a calling, so the most important criteria is actually to make sure those that enter public service is not doing so for the high salaries. this means the salary cannot be high liao.
next thing is, in life when one's lower needs are fulfilled, one then aspires to fulfill their higher needs. E.g. once a person has achieved success in his career and no longer needs to worry about $$ for the rest of his life, then the person is more inclined to go into public service. (here i am guessing someone like chen show mao fits this description)
and this is why we see in advanced democracies they do not have this problem. Their politicians have mostly made it in their careers first, and then only later they naturally gravitate towards politics as the calling and inclination is in them.
in spore the PAP prarachutes some paper generals from the SAF to groom them for public service or ministers. It cannot work one. this is why these greenhorns cannot hold up on their own and their awkwardness and endless gaffes are plain and painful for all to see. these people actually demeans public service.
- 6 January 2012 at 18:12
- Ed Tan said...
@Chan JY
Your view that Private sector skills are relevant in Public sector is simplistic, at best.
There are fundamental differences in governing a country compared to running a business. One example is the government-citizen relationship versus the corporate-client relationship. In a company, selling a product or service targets a specific market segment with no negative impact on the rest of non-consumers. But the implications of government policy are far-reaching and affect the entire country including individuals, businesses and other organizations, in both positive and negative ways. For example, the CEO of SMRT only needs to look after customers that take its MRT trains, taxis and buses, whereas the Transport Minister has to take into account the interests of SMRT's customers, SMRT itself, other transport companies, and private car owners. As a further example, the COE policy would have had a negative impact on car owners, potential car owners, but a positive impact on public transport companies. This ability to balance the interests of different interest groups is a skill that is not evident in the private sector.
Even if you compare the company-shareholder relationship, where arguably, shareholders can have diverse interests (growth versus income returns); again for a company, that relationship is narrowly defined and limited to profit in monetary terms. A citizen's aspirations are more than just dollars and cents, and a large part of these aspirations are not tangible or measurable. In fact, I would argue that using a corporate mentality to meeting the demands of citizens is usually counterproductive, becuase the corporate mentality ends up with KPIs and defining the problem too simplistically.
Take the declining population growth for example, a result of less and less Singaporeans not wanting to have babies AND Singaporeans leaving the country. The government's approach to solving this complex issue is to throw money at it in terms of baby bonuses, tax rebates, more leave days, etc., AND bringing in foreigners to replace Singaporeans. This is exactly what a person with a corporate mentality would do - just focus on the numbers (workforce population) and KPIs (population growth), without considering the non-tangibles - the concept of home, family, country, culture. These have been diluted in Singapore.
More importantly, shareholders can choose to vote with their feet by selling their shares. Citizens can't do that without a significant change in their lives.
So, it really takes a different person to run a country as compared to running a company. For me, having the right heart is the most important thing. If the heart is in the right place, then more consideration will be put into formulating policies, beyond just looking at GDP growth.
To me, the real problem in not being able to attract good talent into politics has nothing to do with money, but everything to do with the political landscape in Singapore. Until recently, if you wanted to succeed in politics in Singapore, you could only join the PAP. Otherwise, you run a very real risk of being prosecuted, sued, or thrown in jail (see Francis Seow, Chee Soon Juan, JBJ, et al). People who would have made good politicians and leaders but did not share the PAP's views, would not have joined the PAP as that would have been against their a strong sense of principles. These would-be political talents became everything else, but politicians. If the government is really interested in attracting talents to run the country well, it would be better if they removed all the impediments that make one think twice about running for elections, such as election deposits, GRCs, free-er press, the ISA, etc.
- 7 January 2012 at 08:11
- The Pariah said...
Broadly agree with Siew Kum Hong's blog commentary.
However, we must nail down the "How", "What" and "Why" to brass tacks and NOT just paint with broad brush strokes.
The Review Committee's Report embeds some core flaws. There is also spin in it if you analyse it carefully.
Rather than "teach" the yaya-PAPayas by being specific in our criticisms and suggestions, it's better to wait for the Parliamentary debate on this Report.
- 7 January 2012 at 14:35
- Siew Kum Hong said...
@The Observer: I think most Singaporeans (and people in general) aspire to a better life and a higher standard of living. My personal view is that it is ok for Singaporeans to provide that for Singaporeans. The pragmatist in me also thinks that setting the standard of living too low would indeed deter people from joining public service. But I accept that the question of what is a reasonable standard of living is open to debate, and you may have a different view from me; that should be something for Singaporeans to debate and decide. The prinicple remains though. I also believe (but stand to be corrected) that most if not all the figures suggested so far by the opposition parties in public, would be sufficient to support a lifestyle that goes beyond public housing and public transport.
@Chan: I don't think top private-sector executives necessarily have a better feel for "the ground" than senior civil servants, and I also very strongly disagree that running a company is similar to running a ministry (which is what you seem to suggest). In any case, I personally believe that many people in the private sector are deterred from politics because of the PAP and many of the things that it has stood for and continues to stand for, and also because this entire approach to ministerial salaries has damaged the spirit of public service in Singapore. I would think that private-sector folks who are minded to go into public service, are looking for something other than financial rewards.
@Game1980: Your formula and assumptions are flawed. I do not think a $10m property is reasonable. I also do not think that the figures should be set such that a 5-year stint in government would suffice to pay for all these things. I don't see why a minister cannot have a 20/25/30-year mortgage just like everyone else.
- 7 January 2012 at 16:45
- The Observer said...
Kum Hong,
I just read your earlier post on the ministerial salaries dated 9 April 2007. It's indeed ironic that more than 4 years later, we have all forgotten the points you raised in Parliament. I wonder what else we might have forgotten.
I can't disagree with your point on aspirations but getting agreement on the level of reasonable standards of living may prove too difficult if put to the people. In which case, we had NEVER had a referendum and perhaps never will. What is left is just the vote at the general elections. But how many will remember 5 years down the road especially when all the sweeteners (and threats - veiled and unveiled) are deployed close to the elections?
It's a vicious cycle with seemingly no end and no cure.
- 9 January 2012 at 03:15
- Little Pingan said...
Kum Hong, thank you your thoughtful clear explanation. Here are some more points to consider.
First, being so justifiably upset, people may "throw all babies out with the bath-water". What I mean is: (1) most political leaders receive modest salaries and corruption is a well-known feature; (2) worries over financial needs can tempt people towards corruption or the abuse of power; (3)"advanced countries" e.g. US, financial corruption may not be the issue - but you see media-fanned popularity and choosing policies make everyone happy in the short-term but eventually lead to collapse ... one respondent suggested ministers be assessed as CEOs by quarterly results. Disastrous: this is what is making the US become bankrupt now - I know that vast corporate resources and time are spent "window dressing" financial figures / PR to impress analysts and media to THINK the company's doing fine by hiding decline!
High salaries do not equal best people for the running a country! E.g., among lowest paid professionals were teachers, nurses. These are people shaping our lives or making a difference when life seemed desperate. Of course there are bad teachers and bad nurses but that is not the point. The point is the best in every professional may have what it takes for political office and for running a country.
When LKY, GKS, Raj etc began - they surely knew their commercial potential and personal/family sacrifice but they chose our nation's future. $ issues were not their motivation. I come from a family whose parents (now in their 80s) chose to the civil service even though moving to the private sector would have earned them millions. My father was even offered a top public service position in a foreign country that paying $$$ more than in Singapore, including elite housing!
The ROOT of our dilemma is the wrong belief that "high salaries = best brains to lead Singapore". Salaries depend on professions and non-$ choices. It doesn't point to best brains. It is simply not true that lowering $ gets monkeys or will fail to attract the best to run our country.
The other problem has been in the argument that "best brains = best leaders". What does "the best brains" mean?! May I suggest "the best brains" to run Singapore includes a long list of essentials:
a) "self-sacrificing love of the nation" + b) "wisdom to really understand people" includes empathy with people's feelings/concerns; jow to select lieutenants - to pick most the best man for each job + c)seeing what solutions for BOTH short-term and long-term well-being + d) moral fibre: new NMP Faisal Mohd raised this in parliament + e) practical sense + d) ethical courage to do the right thing. There is no fast track formula.
It's not about $. It's about the right people who love Singapore so much to devote themselves to LEADING our people and TAKING CARE to ensure that future generations have an opportunity to continue the good foundations laid down. This also means GLOBAL care (e.g. environment, refugees, etc...) if we we want our future generations to have moral fibre rather than being spoiled rich self-preserving brats.
Thank you again for starting the ball rolling.
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Apple Inc. (AAPL) is poised to boost its dividend by more than a half, according to analysts surveyed by Bloomberg, providing investors hit by a share slump with one of the highest yields in the U.S. technology industry.
Apple will probably lift its quarterly dividend 56 percent to $4.14 a share, for an annual payout of $15.7 billion, according to the average estimate from six analysts. The resulting yield of 3.7 percent would be higher than 86 percent of the companies in the Standard & Poor's 500 Index paying dividends. Apple could fund a payout with existing cash flow without using profit from overseas, which can be subject to extra taxes, said Gene Munster, an analyst at Piper Jaffray Cos.
Chief Executive Officer Tim Cook, who a year ago this month reinstated a dividend and announced a $10 billion buyback, faces mounting pressure to take bolder steps to pay out more of Apple's $137.1 billion in cash and investments. Investors including David Einhorn's Greenlight Capital Inc. are pushing for more money as growth slows and competition from rivals such as Samsung Electronics Co. (005930) intensifies.
"The accumulation of cash has become excessive," Brian White, an analyst at New York-based Topeka Capital Markets Inc., said in an interview. He rates the shares a buy, with an $888 price target. "It doesn't matter which bearish scenario you forecast, they're never going to need this much cash."
Apple shares rose 2.6 percent to $443.66 at the close on March 15. The stock has declined 37 percent from a peak on Sept. 19, compared with a 6.8 percent gain for the Standard & Poor's 500 Index in the same period.
Returning Cash
Many companies announce dividend changes once a year, fueling speculation about Cook's plans as Apple approaches the anniversary of last year's announcement, which came on March 19. The CEO reinstated dividends after a 17-year hiatus, breaking with a pattern set by co-founder Steve Jobs, who sought to preserve capital.
Dividend predictions from analysts surveyed by Bloomberg range from $3.31 to $5.30 a share.
Apple has said it's in active discussions over how to manage the cash, and considering buybacks or a higher dividend among other options. Steve Dowling, a spokesman for Cupertino, California-based Apple, declined to comment on the company's plans for the dividend or repurchase program.
Apple may add about $40 billion to $42 billion to its cash balance this year, according to Laurence Balter, an analyst at Oracle Investment Research who rates Apple a buy. Apple will generate about $15 billion of that in the U.S., he estimates, meaning it could pay that out in dividends without incurring taxes from bringing cash back from overseas.
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"There has been almost a $300 billion decline in value of this company," Balter, based in Fox Island, Washington, said in an interview. "Any CEO at the helm of any U.S. or international company that sat at their desk idly while this happened would be shown the door."
Balter estimates Apple could spend $10 billion in a one- time payout, while boosting the quarterly dividend to $3.31 a share. Apple generated $42.6 billion in free cash flow in fiscal 2012, a 28 percent increase from a year earlier, according to data compiled by Bloomberg.
Einhorn's Greenlight, which says it holds more than 1.3 million Apple shares, is urging Apple to issue high-yielding preferred stock to carve out more cash for investors. Greenlight successfully sued to block a vote at Apple's shareholder meeting last month that would have required the company to seek investors' approval for creating preferred stock.
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Apple has been grappling with investor criticism about its cash for years. Apple suspended its dividend in 1995 amid leadership upheaval and dwindling computer-market share. Near bankruptcy before Jobs returned to the company in 1997, the cash balance swelled after he successfully introduced such products as the iPod, iPhone and iPad.
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"I'm frankly puzzled myself as to why they seem so slow to make a decision on this," Keith Goddard, president of Capital Advisors Inc., said in an interview.
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"It'll give a security net for the stock," White said. "You need to attract new investors, and I think one way to do that is to pay out a bigger dividend."


text:
I am trying to debug a timer job, its WEB application scoped.
When it executes, webapp and sitecollections are null for some reason?
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Update1: I changed a little bit the code, check screenshot 2, webAPP is not returning null anymore, but .SITES property is throwing an argument exception, and when I try to get the RootWeb for each site collection I also get the same exception.
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Reviewers are presented randomly generated subsets of the document set – 100 documents at a time -- and grade them as responsive or not to particular issues. The system then utilizes the content choices of the exemplars to associate them with other documents in the set to build document sets. Exemplars from other data can be used as well.
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text:
A military court convicted a pro-Israeli militiaman of killing a captured Hizbullah fighter and another of serving in a prison camp in Israeli-occupied southern Lebanon, and sentenced them to 15 years in prison Friday, reported The Associated Press.
The sentences - the toughest so far in the ongoing trial of Lebanese who dealt with Israel - were among 36 cases, including those of eight women, decided by the court on Friday. One defendant was acquitted and the remainder received prison terms ranging from one month to seven years, said AP.
A total of 72 members of the pro-Israeli South Lebanon Army (SLA) faced the court on charges of collaborating with the enemy, but the court put off a decision in the remaining cases.
Defense lawyers for the third group of South Lebanon Army fighters to be tried called for acquittals or lenient sentences, saying their clients had been coerced or forced into collaborating with Israel, court officials were quoted as saying.
Other charges against the defendants included joining the militia, entering Israel and marketing Israeli fish in Lebanon.
The court, whose verdicts cannot be appealed, had already sentenced 101 ex-militiamen to jail terms of up to five years, added AP - Albawba.com
© 2000 Al Bawaba (www.albawaba.com)


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- Conclusion.
Having a poor line of credit can be a major obstacle if you are seeking a loan. installment loans cleveland ohio one of the very first points that financial institutions, as well as various other official loan resources, explore, as well as a poor credit report, implies you do not receive among their the majority of fundamental requirements for obtaining a loan.
There are several circumstances where online installment loans for poor credit can concern the rescue and also obtain you with a challenging duration without experiencing any kind of long-term damages.
Listed below, we consider a couple of instances of when you may go with an online installment loan, and after that, we cover the fundamentals of just how these kinds of loans function.
Just How Online Installment Loans Can Ease Your Mind
It is simple to come under a circumstance where you are worried about the absence of instant cash, regardless of having the long-lasting capability to cover all your costs.
Right here are a couple of typical instances:
- Initially, it might be you remain at risk of installment loans cleveland ohio falling back on your residence or auto payments, because of temporary financial trouble. In this situation, a temporary loan can bring you via and also stop running the risk of shedding your residence or your only methods of transport (which might after that cause shedding your task and also just income.).
- A 2nd instance of where online installment loans can trend you over harsh areas without your really feeling the financial bumps would certainly be if you are taking the chance of financial institution over-limit costs as well as different other types of late costs. A tiny installment loan can stop your needing to pay such charges as well as will certainly not usually cost you like a lot in passion as the costs would certainly have been.
- A 3rd instance would certainly be for buying products that are not requirements yet that it would significantly interrupt your life as well as prepares to do without. Instances may be obtaining added cash to take with you on a crucial journey or acquiring an automobile to utilize at university when courses are quickly to begin as well as you can not obtain a vehicle.
Just How Online Installment Loans Work.
Not just can a prompt online installment loan relieve the anxiety triggered by a tight spot, they additionally are simple and also worry-free to the procedure.
Many online installment loan lenders will certainly authorize also those with negative or no credit if they can show the capacity to pay off and also have a U.S. savings account. There are typically no credit checks, and also the individual, as well as financial details requested for, is incredibly standard.
You can anticipate to submit the online demand type in an issue of mins as well as to obtain a reaction instantly or within a couple of installment loans cleveland ohio. Cash will typically be transferred in your account within one service day.
You will certainly be offered routine installment payments that will normally be every 2 weeks or month, therefore long as you make your payments on time, you can decrease the rate of interest paid as well as develop your credit rating.
Sorts of Loans, Including Online Installment Loans.
Thankfully, there are various other choices readily available for those with poor credit.
An installment loan uses you the possibility to pay back a loan within a particular time period in several installations. Allows have a look at the sorts of installment loans offered for individuals with negative credit, with a unique concentrate on online installment loans:
Tiny Lenders.
These are the sorts of loans you obtain from non-formal resources. These loans do not bring the openness of official loan resources such as financial institutions or cooperatives, yet continue to be a preferred option for lots of people since the cash is lent quickly without a number of the required checks that financial institutions demand.
Such loans are typically secured for percentages and also frequently bring the alternative of repayment in several installations.
Trainee Loans.
Trainees frequently have the little credit rating of their very own, however, require financial support to make it through university. In such instances, their credit report is usually forgotten for their previous scholastic efficiency and also need to get an education and learning.
Such loans are generally just offered to trainees as well as is covered under the federal governments right to education and learning plan. The loan can be used in a selection of means, such as paying tuition charges, acquiring research study product, renting out lodgings and also for everyday requirements.
Home loan.
installment loans cleveland ohio having some type of sanctuary is among one of the most fundamental civil liberties that everybody has, however not every person has the cash to spend for the home loan on an item of home. In such instances, a home loan can be asked for as well as get by the acquiring celebration. The loan is after that repaid in the type of installations monthly or year until the complete home loan quantity has actually been repaid.
Home loan is provided not just by official lenders yet additionally by casual lenders, as well as the last resources are usually extra loosened up as well as approving of a poor credit report.
Installment Loans Online.
A change of the electronic age, online installment loans are the latest resources of cold cash for those seeking installment loans for poor credit. This is not a peer-to-peer borrowing solution, and also puncture the administration you usually locate in financial institutions. The procedure to declaring a loan online fasts and also very easy, and also can be executed without your ever before needing to vacate your residence.
A few of the various other benefits provided by installment loans online consist of:
- They are ideal for purchasing brand-new or previously owned vehicles, in addition to paying an existing vehicle loan with cold cash.
- They supply an affordable set rate of interest to the individual seeking online installment loans negative credit.
- They provide a selection of loan terms for approximately eighteen months. You can select which strategy functions best for you and also pay the cash back in installations as necessary.
- The entire procedure occurs in the electronic globe, as well as can be finished on your laptop computer or mobile without needing to stand in lengthy lines.
- Anyone of these choices can make sure that your poor credit background does not hinder installment loans cleveland ohio of your obtaining a loan and also fulfill your requirements for online installment loans for negative credit.
Tackling Installment Loans Online Head On.
Bonsai Finance is not a peer-to-peer loaning solution, neither does it supply payday advance. What it does is give accessibility to a network of lenders that will certainly fit your demands flawlessly.
The solution is particularly created to be helpful to debtors that, for different factors, may have a negative credit report that makes it tough to obtain loans from standard resources.
Installment Loans for Bad Credit.
There are a variety of reasons obtaining an installment loan online is an excellent remedy for customers with negative credit, consisting of these:
The lending institution of an online installment loan will certainly not likely trouble to run a credit look at you.
Loans of many lenders are authorized also for negative credit debtors as long as you have an ample income to pay off as well as a U.S. based savings account where to pay off.
The loan terms for negative credit consumers are better, generally, than with payday advance and installment loans cleveland ohio even with numerous bank card firms. Although small business loan might supply a reduced rate of interest, those loans are not commonly as temporary or as quickly authorized, which indicates contrasting both resembles contrasting apples to oranges.
Repaying your loan installations can assist you out monetarily by boosting your credit history. Revealing the capability to make routine payments in a timely manner is a significant consider establishing your credit report.
Installment loans obtained online can additionally assist avoid your credit report from enduring more damages by assisting you to stay clear of late payments by offering rapid as well as prompt cash.
Online Installment Loans Are Perfect for Those quickly.
Besides the viability of installment loans for poor credit, their various other significant benefit is a benefit. Below are a few of the aspects that make these kinds of loans remarkably quickly as well as easy to the procedure:
Marginal details are called for in the brief demand kinds of the majority of online installment loans. The demand procedure actually takes just a couple of mins, and also you never ever also need to leave your residence.
The loan will typically be accepted immediately or within a couple of brief secs. There is no long haul similar to a typical small business loan and also rarely a rejection.
The obtained cash is transferred straight right into your savings account, normally by the extremely following service day – occasionally in an issue of hrs. This is essential when you remain in a financial squeeze.
The settlement is likewise rapid and also practical given that many lenders enable and even demand you are registering for automated withdrawals from your checking account.
At Bonsai Finance, we make every effort to make accessing cash via little individual loans basic and also budget-friendly, installment loans cleveland ohio, particularly for those that have negative credit and even no credit in all. Our task is to aid you to see the several advantages an individual loan- whether protected or unsafe- to get back on the financial ground. Both of these kinds of individual loans are readily available from our company and also serve as installment loans for poor credit or no credit prospects.
Just How to Get Installment Loans Bad Credit or otherwise.
There is an easy method to obtain accessibility to loan for your following getaway, house renovation task and even a utilized vehicle. The certifications are rather easy as well as uncomplicated:
- You will certainly require to be in between the ages of 18 as well as 65 years of ages.
- You will certainly require to be a U.S. person staying in the United States.
- You should have savings account for paying back the loan.
- You require to have a debit or charge card for backup settlement for the loan.
- You require to have a normal revenue that can be confirmed through savings account purchases.
- You will certainly additionally require an energetic cellular telephone that can obtain both singing telephone calls and also SMS text.
These sorts of loans are terrific for individuals without credit or negative credit since, installment loans cleveland ohio, they offer you with accessibility to loan without any credit check. These term loans for individuals with poor credit may be the best prescription for dealing with negative credit concerns. It might absolutely profit you that you can obtain access to an individual loan with various other advantages in addition to it is convenience on access.
Various Ways to Use Installment Loans Bad Credit or No Credit.
You can utilize the cash from these individual loans in various methods. No person is informing you that you are restricted to investing the cash in particular increments or quantities. Regarding we are worried, the cash is your own to do as you please as soon as we launch it to you.
Right here is an example checklist of the different manner ins which individuals have actually utilized the cash from these individual installment loans negative credit or no credit:
- Residence repair services or renovations.
- New or made use of automobile acquisition.
- Educational funding in the type of pupil loans without credit check.
- Take a long waited for the trip.
- Increase your individual closet.
- Settle individual bank card financial obligation and also loans.
We do not wish to route you on just how to invest the cash. We simply wish to ensure that you have the cash that you require to obtain things you require performed with pupil loans without credit check.
Just How Personal Installment Loans for People with Bad Credit Differ with Our Agency.
Lots of lenders do not use also use these kinds of loans to those with undesirable credit. Unlike our loans, these loaning companies, as well as installment loans cleveland ohio financial institutions, will certainly not attempt to meddle lending to high danger consumers with negative credit or no credit rating whatsoever. Nonetheless, we at Bonsai Finance deal something fairly various for the high threat loan consumer.
Component of the appeal of this loan program is that it functions as a 2nd possibility for most of those very same customers that would certainly not certify with any type of various another sort of lending institution. For some debtors bent on reconstructing their very own credit report and also rating, these negative credit loans could begin your financial reboot.
What is unique regarding these loans past their accessibility is that these loans provide some extraordinary attributes, particularly for loans customized for those with credit problems. A few of the distinct attributes of term loans for individuals with poor credit consist of:
- Taken care of passion at the affordable interest rate.
- Loan terms for approximately an 18 month period.
- Month-to-month loan installment payments.
These, as well as various other advantages, make obtaining with Bonsai Finance a reasonable as well as calculated selection. With numerous choices offered on the marketplace today, our support can likewise work as a dive begin for restoring both your credit report and also your individual funds with our term loans for individuals with poor credit.
Optimizing Your Term Loans for People with Bad Credit.
What you require to make sure to do when you have actually accessed to your individual loan. When you obtain accessibility to among these individual installment loans negative credit or no credit, you require to make certain that you stay on schedule with your payments. Yes, your checking account is one technique for paying the installations on the loan, however, there are various other offered alternatives when you are collaborating with our group of specialists at Bonsai Finance.
- You can make use of any one of the adhering to make up loan installment payments:
- Nearly any type of sort of examining account (not qualified for pension).
- Nearly any kind of kind of interest-bearing accounts (not qualified for pension).
- Bank card of any type of kind besides outlet store credit cards.
- Debit card of any kind of kind consisting of a protected bank card.
These are simply a selection of the installment loans cleveland ohio approaches that you can make use of in order to make sure that your individual installment loan payments are made quickly on a month-to-month basis easily. The last point that you would certainly desire is for a late settlement to eliminate plenty of sacrifices that you have actually made time as well as time once more to gain back some energy with your individual financial resources while you are doing your finest at constructing your credit back up.
Making the Right Move with Installment Loans Bad Credit or No Credit.
You might not have the credit history or credit report to get a standard loan, however, we still can deal with you despite every one of that. You may not fairly exist with your individual funds yet, yet we still most likely have the kind of loan that can obtain you begun on obtaining points in control as well as back on the right track with your loan and also credit.
Online installment loans – Internet loans.
When you have a demand for rapid cash, however, the desire to stay clear of the fast payment demands of cash advance no credit check, online installment loans might be the response. When emergency situation costs develop, as well as you can not wait to conserve cash or obtain a basic small business loan quick sufficient, an online installment loan might have the ability to obtain you via a harsh area when various other alternatives are not available or not practical.
Just How Do Online Installment Loans Work?
As the name indicates, the clear-cut function of installment loans is that you can settle your equilibrium a little each time as opposed to in one round figure. The payments will certainly be arranged at routine periods, maybe every 2 weeks or on a monthly basis, and also the term might last from simply a couple of months approximately a couple of years.
Loan quantities are typically limited to a couple of hundred to a number of thousand bucks, yet this can differ from lending institution to loan provider and also based upon your earnings degree. The quantity you can obtain occasionally additionally differs based upon which state you reside in.
To safeguard an installment loan online, you usually require to offer fundamental info such as your social protection number, your source/amount of revenue, as well as banking info. However the online demand kind is brief and also basic, and also you will likely be educated instantly on whether you are authorized.
Likewise, note that online installment loans typically do not need any kind of security.
Picking a Lender for Your Online Installment Loan.
You will certainly discover there is a myriad of feasible lenders for online installment loans, several of them trusted, a few of them not. You will certainly likewise discover a vast distinction in the regards to the loans, that makes it essential that you put in the time to review the terms.
One of the most apparent aspect to search for is the rate of interest. Some online lenders have exceptionally inflated APRs, yet others have affordable, budget-friendly prices. Your credit report might influence the rate of interest as well as terms you obtain, however longer settlement terms additionally often tend to boost prices installment loans cleveland ohio.
The lending institution needs to enable you to have the cash direct-deposited right into your savings account, as well as you need to additionally be permitted to repay the loan online and also choose automated withdrawal on due days if you so pick. Some lenders will certainly permit you to repay through the mail also.
The most effective lenders will certainly enable you to repay the loan early scot-free and also might also enable you to terminate the loan within a specific duration.
Exactly How Bonsai Finance Helps You With Online Installment Loans.
After the flurry of info provided simply over on online installment loans, you may still be questioning, How can Bonsai Finance aid me with these kinds of loans?
Initially, we are below to provide you complete info on the ins and also outs of just how online installment loans as well as various other loan kinds function. Understanding is greater than half the fight with funding. It is the entire fight.
At Bonsai, our client service division, as well as our internet material alike, are concentrated on responding to every one of your most essential as well as essential inquiries regarding installment loans.
We can likewise aid you to see exactly how an online installment loan could factor right into a general long-term financial option to credit issues as well as financial troubles you might be undergoing in the short-term.
Bonsai Can Connect You to the Right Third-Party Lender.
While an online individual loan could be a short-term financial approach, installment loans cleveland ohio, it is however vital that you obtain a loan with the best prices and also terms from a lending institution you can rely on.
We at Bonsai Finance have deep experience in the online installment loan market, as well as we understand that is and also is not a respectable firm. We likewise understand which lenders want to accept consumers with credit troubles – and also without also running a credit check.
We can likewise stroll you via the demanding procedure when you ask for an installment loan with us. We can inform you beforehand what sort of financial and also individual consumer details you will require and also what to anticipate. (In basic, you can end up these sort of loan demand in a couple of mins and also obtain accepted quickly.).
As well as in addition, we can ensure you that many lenders of online installment loans will certainly credit your cash loan to your account within the following service day or more of loan authorization, making this type of loan a wonderful choice for those that require cash rapidly for emergency situation costs.
Keep in mind that you can be settling your installment loan for months or perhaps a year or 2. It truly matters a whole lot that you collaborate with and also what sort of charges, prices, as well as terms they supply. We at Bonsai are specialists at matching consumers with the lenders and also the loans that function best for them.
Tightening the Options and also Evaluating Them.
Our solutions at Bonsai Finance are diverse, however, in the huge procedure they can be summarized in this manner: we aid you firstly limit your loan choices to a list and after that, we aid you to contrast alternatives on that particular checklist thoroughly to make the most effective feasible choice.
Besides, there are hundreds and also numerous online lenders around supplying installment as well as various other sorts of loans. No person can be anticipated to chase them all down one at a time as well as contrast them carefully, factor by factor. Yet at Bonsai Finance, our effective internet search engine and also our market experience de facto do that for you.
Simply provide us several of the standard requirements you intend to utilize in the search, as well as we can promptly trim that substantial sea of loan alternatives to a reasonably couple of ideal alternatives.
After that, we can clarify to you the distinctions amongst that smaller sized team. Some lenders could be a lot more adaptable than others, some could have larger late costs however reduced the rate of interest (or the other way around), and also some may allow you have a larger principal, while others could have the reduced regular monthly settlement.
It is feasible that all the very best attributes will certainly exist together installment loans cleveland ohio at the identical lending institution, yet frequently, you require to focus on loan attributes and also select the most effective total choice. We can aid you to do that in a problem-free way as well as in as little time as feasible.
Our Vision at Bonsai Finance.
Bonsai Finance got in the market with one significant function in mind: to promote a procedure whereby those looking for temporary online loans might find, demand, as well as obtain accepted for their suitable loan.
We can happily state we have actually been attaining that objective for many clients for many years currently, as well as we mean to take place doing so for years ahead.
A Bonsai, we recognize that it is not constantly feasible for individuals in limited financial places to obtain a standard small business loan and even to constantly simply utilize a charge card. And also when emergency situation expenditures turn up, timing is as vital as the cash.
We additionally understand that a large number of online lenders and also various loan kinds make it really tough for the ordinary individual to locate the best loan alone. You do not have throughout the day to rest at your computer system as well as study business after business or to micro-analyze every loan alternative you run into. You require a procedure that is fast, practical, secure, and also tried and tested efficiently.
Bonsai Finance gives simply such a system. We are the screen you can make use of to filter via the substantial myriad of loan choices around. We are the microscopic lens that allows you to see the crucial information and also small print when it counts. And also we are a group of well skilled financial instructors that can give you with smart ideas as well as audio guidance right when you require it.
Throughout our years of the solution to those looking for online installment loans at affordable prices as well as without negative credit being an obstruction, installment loans cleveland ohio we have actually aided lots of discovering the loan provider and also a loan that obtained them with financial troubles. We stand prepared to do the very same for you also!
Online installment loans are a practical choice for those that require cash quickly as well as require even more time to settle than with a payday advance. It is essential, nevertheless, to review the loan terms and also contrast lenders.


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PHILADELPHIA - A Roman Catholic monsignor charged with protecting predator-priests lost a last-minute bid to have criminal charges dismissed Monday, and the first jurors were seated in his landmark case in Philadelphia.
Monsignor William Lynn had asked to have the child-endangerment and conspiracy case against him thrown out based on new evidence found in a 10th floor safe at the Archdiocese of Philadelphia.
His lawyers argued Monday that the grand jury might not have indicted Lynn if it had seen evidence that a former cardinal had aides destroy a list of accused priests that Lynn had prepared in 1994. But Common Pleas Judge M. Teresa Sarmina said it was not clear what the grand jury would have done, and she refused to throw out Lynn's case.
Now on leave, Lynn is the first U.S. church official ever charged over his administrative handling of the priest-abuse crisis. He is on trial along with Edward Avery, who has since been defrocked, and the Rev. James Brennan, who is no longer in active ministry.
Five jurors were selected throughout the day Monday. The trial is expected to last four months, so the judge will seat 12 jurors and 10 alternates.
In the predominantly Catholic city, many potential jurors have ties to Catholic schools or parishes. The Archdiocese of Philadelphia counts 1.5 million Catholics. But most in the pool said they could still be fair to both sides.
In arguing for dismissal, Lynn's lawyers referred to a memo turned over by the archdiocese this month that states that the late Cardinal Anthony Bevilacqua ordered his top aides to shred a list of 35 accused priests still in ministry in 1994 - a decade before the child abuse scandal exploded.
Lynn said he prepared the list and gave it to Bevilacqua after he became secretary for clergy in 1992 and started reviewing secret archives of priest abuse complaints. The complaints were kept in a secure room - rigged with an alarm - at the archdiocese's downtown headquarters.
Bevilacqua discussed the issue at a meeting with his two top aides and ordered all four known copies destroyed, according to a memo signed by the late Monsignor James E. Molloy, who said he shredded them, and a witness.
But a copy of the list, and Molloy's accompanying memo, were found in the locked safe at the archdiocese in 2006.
Prosecutors called Lynn's bid to have the charges dropped a "combination of the dead-guys-did-it and the I-was-only-following-orders defenses." They argued that he prepared the list not to weed out predators, but to prepare for possible civil suits.
Defense lawyers said the new evidence shows Lynn was trying to address the priest abuse problem, only to have Bevilacqua quash his efforts. They also said Bevilacqua and Molloy denied to a 2003 grand jury that they had destroyed evidence from the secret archives.
Bevilacqua died last month at age 88.
Prosecutors called the 1994 list a "smoking gun" for their side. They say it shows Lynn's deep involvement in the church child abuse conspiracy. And they argued that the safe belonged to Lynn, who left office in 2004. Lynn's lawyers argued that Molloy stashed it in the safe.
"They (the documents) show Lynn to be the most active participant in a well-orchestrated conspiracy among Archdiocese officials to cover up the sexual crimes of priests and to keep known child molesters in ministry," prosecutors wrote in a written motion.
They say the list also shows that Lynn knew co-defendant Avery was a child molester but failed to have him removed. And they say it shows that Lynn perjured himself before the grand jury.
Lynn, 61, faces up to 28 years if convicted on all counts. The archdiocese is paying for the four criminal defense lawyers advising him in court, despite the increasingly apparent complications that presents.
A gag order prevents parties in the case from commenting on the filings.
The jurors chosen Monday included a man who didn't recognize a prosecutor from their huge, long-ago graduating class at one of the city's Catholic high schools. Those who didn't make the cut included a man wearing a T-shirt mourning the loss of a now-shuttered Catholic high school; a La Salle University graduate who knows an accused priest; and a woman who put four children through Catholic schools and remains miffed over the treatment her daughter got from their parish when she married a Jew. She nonetheless felt she could serve.
"I mean there (are) plenty of priests I know that are great," the woman said.


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Moms Columns & Blogs
5 Tips for a digital family contract
By Angela Hill
The Oakland Tribune
As the digital frontier expands, many parenting experts suggest developing parent-child agreements -- actually written and signed documents -- to set boundaries for online and smart phone use.
Amy Lupold Bair blogs about 21st-century family issues at ResourcefulMommy.com and is the author of "Raising Digital Families for Dummies." In a recent interview, she offers some tips on writing up family contracts with age-appropriate rules, setting up limits on screen time and texting and more:
1. "Broadly, I recommend using the following age categories: birth to preschool (kids can operate a touchscreen before they can walk!), young elementary, tweens, and teenagers. While only you can judge your child's individual maturity level, in general, a younger age should indicate the need for more supervision and restriction."
2. "Your kids may grumble and make you feel like the bad guy, but stick to your guns. And make sure to share your screen time rules with grandparents, the parents of your kids' friends, babysitters, and so on."
3. "As phones become smarter, you also need to think about apps, texting, data usage, phone cameras, GPS and location services. Which features are you comfortable with your kids using? Be sure to check whether your child's phone's software comes with parental controls or allows you to disable certain functions."
4. "Internet rules should cover e-mail, credit card requests,search engine use, approved and banned sites, and rules for social media and chat. Especially if you have younger children who may not understand the guidelines and restrictions you want them to follow, it's worth your time (and perhaps money) to learn about setting filters and parental controls.
5. "Whatever consequences you choose, be sure to communicate them at the same time that the policy is created. I strongly recommend creating a no-tolerance policy on dangerous behaviors, such as cyberbullying, sexting, and texting while driving."
(c)2013 The Oakland Tribune (Oakland, Calif.)
Distributed by MCT Information Services


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The grounded Kingfisher Airlines today started paying salary for the month of May to its lower level staff and some cabin crew while there was no word about salary dues of pilots and engineers.
"Only cabin crew and low rung staff have received their May salary," pilots and engineers said, adding "we still have no word from the airline about our dues."
Vijya Mallya-owned private carrier, which is on the edge of bankruptcy with its flying licence suspended, had committed that the salary dues till May would be paid by Diwali.
As the management failed to meet its promise, employees representatives had threatened to chalk out action plan if they did not receive the May salary by November 17.
The regulator DGCA had suspended Kingfisher's flying licence on October 19 till further orders after a lockout and its failure to come up with a viable plan to revive the airline.
The bankers to Kingfisher have also warned the airline to arrange for more capital by November 30, though Mallya has denied any deadline issued by the lenders to his company.
Kingfisher has accumulated losses of about Rs 9,000 crore as on September 30.
Assembly elections 2019 | Get the latest news, views and analysis on elections in Haryana and Maharashtra on DeccanHerald.com
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For election-related news in Haryana, click here


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Kurt Russell, Sam Elliott and Bill Paxton played the brothers Earp in which biopic western?
Veteran actor Robert Mitchum provided his talent as the narrator of the 1993 film "Tombstone" in the beginning and toward the end. Val Kilmer co-starred as Doc Holliday suffering from tuberculosis. Other notable stars in the cast include Charlton Heston, Dana Delaney and Billy Bob Thornton.


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