Since the publication of Moody’s report ‘Abengoa’ on reverse factoring – a situation where a bank pre-pays the company’s invoices to its suppliers – the world of supply chain finance has been holding its breath. Since then, more financial analysists have started recalculating the debt of companies with reverse factoring (RF) programmes. The consequences of this development have yet to be seen, but the debate is already taking place.
It all started with the Philips of this world that have been consistently stretching their payment terms towards suppliers as a way to polish up their balance sheet. Suppliers to large enterprises often have to wait 90 to 120 days to get paid. Meanwhile, big companies see their payables increase, improving their balance sheet. This practice has been stretching suppliers who require payment to cover operational expenditures and who have been forced to raise financing, often at high interest rates. This is where the big companies and their banks swoop in as benefactors. They offer their suppliers credit via a so-called reverse factoring programme. In cooperation with a bank, suppliers receive pre-payments at a cheap interest rate. In this arrangement, the large business guarantees payment of the invoices to the bank at the end of the payment term.
All parties benefit
In this setup, everyone benefits:
- Large corporations benefit because of ‘free’ credit without seemingly any impact on their indebtedness;
- Suppliers get their troubles eased by having access to cheap financing to cover ever-increasing payment terms; and
- The bank gets to earn a fee for their services.
It is a clear win for all parties and is advertised as such by financial providers and big companies everywhere.
Debt without the guilt
Of course, suppliers would not need cheap finance to cover the 90+ day of payment terms if they had not been stretched out in the first place. Moreover, big companies could have simply taken out a loan directly with their bank if they needed financing. So why use these complex programmes and pay financiers fees to setup and run them?
The answer lies in the current accounting treatment of RF programmes. For a big company, the obligation to the bank gets classified as a ‘trade payable’. Historically these are not included in most measures of indebtedness.
Hiding the RF programme’s debt
Big companies and their CFOs go to a lot of trouble to keep their debt as low as possible, and for a good reason. Their cost of capital is tightly linked to their indebtedness via covenants and credit ratings. Years of MBA schooling has taught us that short cash-conversion cycles are the best kind.
Because of the way financial analysts treat ‘trade payables’, RF allows a company to increase their external financing. But, because the programme is ‘hidden’ in the ‘trade payables’, it does not increase the company’s indebtedness. Of course, the company’s future obligations have increased but it does not seem that way because of how we view balance sheets.
If it walks like a duck…
As the amounts involved in RF programmes keep increasing (we are talking billions), the treatment of RF programmes is coming under scrutiny.
Moody’s and other financial analysts have started to include the obligations following from RF programmes in their calculations. Their argument is that there is no reason to treat these liabilities as anything other than debt. For some companies, like Abengoa, this results in a massive increase in their debt level.
Still a valuable tool?
Will RF be viewed as valuable if it is considered going forward? A few possible outcomes are:
- Materially, companies will not suddenly become more indebted when the view on RF changes. The liabilities were always there, and financiers were comfortable with them. It is possible that economic thresholds are adjusted to reflect the new reality.
- Alternatively, financial thresholds might stay rigid, and big companies decide to unwind their programmes. Often suppliers can only oblige to the stretched payment terms with the assistance of RF, so payment terms will need to be shortened. Big companies could then replace the lost supplier financing with other types of debt.
- However, large companies could also decide that the increase in indebtedness is worth the benefit. This is unlikely in our view, and an easier way to accomplish the same would be to shorten payment terms and take a loan directly.
Future of supply chain finance
The idea that large companies support their supply chain by providing financial aid has lost none of its appeal. Supply chains today are financed inefficiently, and big companies could do a lot to increase efficiency and lower costs. However, RF’s current focus on ‘balance sheet management’ fails to capture these benefits.
The discussion about the value of reversed factoring with its heavy focus as a tool to increase payment terms has started. We welcome this debate and view it as a means to take supply chain finance to the next level.


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It’s a lot. It’s too much, really.
Our minds were not meant to process all the information that is now flooding our days. Our hearts seem not quite large enough to fit all the cares that cry for our attention.
Gun violence and the simultaneous weakening of gun safety regulations. The torrent of news about shootings already felt overwhelming. Then it came even closer to home when three people were killed at St. Stephen’s Episcopal Church in Birmingham, where a friend to many of us serves as rector.
The gradual chipping away of safe and careful choices for women and families over the years and in different places, and then the sudden wiping away of rights for people in already difficult circumstances to make prayerful, private decisions with the guidance of doctors and loved ones.
The daily toll and toil of living in a world that curtails and threatens the lives of people of color, and how that damages not only the targets of racism but everyone entangled in its web of suspicion, dread, and animosity.
The looming threat to members of the LGBTQ community who – having grasped a moment where loving who you love can be shown outwardly – now hear and feel the murmurings of those rights and privileges being snatched away again.
And climate change and wealth inequalities and political conniving and and and … And all of these vast issues touch our small lives, and all the while, we live our small lives full of worries about health and finances and relationships and the work that each day brings.
Thomas Aquinas (not generally my go-to-guy, but tough times call for all the saints) reminds me that despairing is one of the darker sins a Christian can commit. Despair convinces us that, as he said, “one’s own malice is worse than Divine Goodness.” Despair wants to overwhelm and bury hope. Despair wants you and me to believe that it’s too late, that we’re too far gone, that we’re alone, that nothing can save us now. Despair wrote the second sentence in this blog article, “it’s too much, really.”
This is not when I sunnily tell myself or you that God won’t give us more than we can handle. This is not a time for platitudes. Instead, this is a time when we cry out as the faithful have been calling out for millennia for help: the Israelites cried out from oppression, the psalmist flooded his bed with tears, the disciples locked themselves in a room. Despair has been lurking in the story all along. And so has hope. Hope lurks in the stories too. Hope isn’t just optimistic wishful thinking. Hope is muscular and demanding. Hope can be hard. Our calling out for help is an expression of hope. Our showing up, even when we’re tired and have more questions than answers is an expression of hope.
We need hope, and we need each other to build up our hope muscles. Gathering for prayer, for action, for weeping, for strategizing, for sustenance, for companionship. This is what God’s people have been doing since the days of the midwives in the opening chapter of Exodus; it’s what the disciples understood they needed to do when they didn’t understand anything else. It’s what freedom riders did, and it’s what networks of people who opened their homes and their hearts to those in need of safety did.
When I was sitting in the Calvary nave a few weeks ago after the Uvalde shooting, I drifted through the psalms and tried to pray. I lit a couple of candles and sat there feeling numb. And then a line of a hymn squirreled its way up from somewhere inside me …
“But the slow watches of the night no less to God belong /
and for the everlasting right, the silent stars are strong.” (Hymn 615)
I feel companionship and hope in the quiet, almost empty church; I find a friend in a hymn writer from the nineteenth century, and from contemporary and ancient poets, and in a group text; I discover a way forward over a shared meal. And I recall, thanks to an eleventh-century Italian priest, that this tumult and turmoil are happening, and somehow none of this malice is greater than the Divine Goodness of God. Turning to God, turning to one another, turning to face the challenges, we hold on to hope. Together with each other and with God, we can hold the large and swirling news of each day, we can put our minds together and grow our hearts in company with the faithful.
Are you reeling from the news? Throughout July, we will offer opportunities to find companionship in the whirlwind. Come to Calvary at any of the following times for prayer and conversation about recent news and events.
Wednesdays, July 6, 13, 20, brown bag lunch at 12:30, following the noon Healing Eucharist. You are welcome to come for the service, the gathering, or both.
Wednesday evening, July 20, small bites and beverages provided at 6:00.
More gatherings may follow, and we’ll discern together some paths forward.

domain: literature


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by Jimmy Buff
January 17, 2015
Last week, Congressman Chris Gibson announced he wouldn’t be running for re-election in New York’s 19th congressional district in 2016. The Kinderhook republican had always said he would self-impose term limits, but nevertheless, his announcement caught people off guard. Gibson had just resoundingly won re-election in the district in November and with that kind of support many thought he’d continue in the job beyond 2016.
Speculation turned quickly toward Gibson’s political future — a run for governor of New York seemed to be the most popular consensus — and who the republicans might run to take his place in the House. Democrats in the district, still smarting over the whooping they took in November, surely noted Gibson’s announcement with an appraising eye, wondering how the move would impact the opportunity to take back the 19th.
Also watching — and acting — was the Green Party of New York whose candidate for governor, Howie Hawkins, did well for a third party candidate in several areas of the 19th last November. In a press release issued by the Upper Hudson Green Party just after Gibson announced his retirement, the Greens announced their intention to run a candidate for Congress in the 19th in 2016. The press release noted Hawkins good showing in the district: “8.2 percent of the vote across NY-19, including 11 percent in Columbia and Ulster counties, and percent in Rensselaer.”
The Green Party in America was started in 1984, inspired by several European Green Parties. “Committed to environmentalism, non-violence, social justice and grassroots organizing” is part of how the Green Party describes itself on its website. In the ensuing years, Greens have run candidates for all levels of government locally and nationally, including president. Ralph Nader got more than 250,000 votes on the Green Party line for president in 2000 and Jill Stein received more votes than that running for president in 2012. Locally, New Paltz has waved the Green banner. Jason West was elected mayor of New Paltz in 2003 on a platform of environmental sustainability, served until 2007 and was re-elected to the job in 2011. Additionally, in 2003-2004 New Paltz had a Green Party majority — 3 of 5 seats — and at the time was just the third ever city in America to have that distinction.
Hawkins was at that first meeting of the Green Party in the U.S. in St. Paul, Minnesota, 31 years ago and I asked him last week if a Green Party candidate could actually win NY-19. “The district is evenly divided: 150,000 Democrats; 153,000 Republicans; 129,000 independents. There are 1,989 enrolled Greens, but that doesn’t means as much. In a close three-way race, 35-40 percent could win,” he said via email.
Hawkins did acknowledge the election of a Green Congressman for the 19th was a long shot, adding that it would take “a good, hard-working candidate and a well-organized campaign.” Nevertheless, the Green Party platform of “living wages jobs for all, single-payer universal health care, transitioning to a 100percent renewable economy, ending mass government surveillance, stopping our foreign wars, fully funding our public educational system and making public college free” is a strong message and one that resonates with many across the 19th.
“The difficulty is convincing enough people that the Greens can win,” Hawkins said.
Even if a Green Party candidate doesn’t win outright, a viable Green Party candidate in the race “could force debate on important issues in the district” Hawkins said, issues that can get swept to the side when just two parties control the narrative of an election.
Reach Jimmy Buff at buff@RadioWoodstock. com. “The Green Life” is a column about environmental issues.

domain: news


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Russian-American detective A. A. Valnikov is a burned-out homicide detective who gets teamed with Natalie Zimmerman, twice-divorced with a grudge against men. These unlikely partners are assigned the strange case of a stolen show dog being held for ransom. In this bittersweet tale that the Los Angeles Times called terrifying and romantic, the partners will find much more than they ever could have imagined. Cosmopolitan called it fast, colorful and gripping . . . as touching as it is breathlessly entertaining.
The son of a policeman, Joseph Wambaugh (b. 1937) began his writing career while a member of the Los Angeles Police Department. He joined the LAPD in 1960 after three years in the Marine Corps, and rose to the rank of detective sergeant before retiring in 1974. His first novel, The New Centurions (1971), was a quick success, drawing praise for its realistic action and intelligent characterization, and was adapted into a feature film starring George C. Scott. He followed it up with The Blue Knight (1972), which was adapted into a mini-series starring William Holden and Lee Remick.Since then Wambaugh has continued writing about the LAPD. He has been credited with a realistic portrayal of police officers, showing them not as superheroes but as men struggling with a difficult job, a depiction taken mainstream by television s Police Story, which Wambaugh helped create in the mid-1970s. In addition to novels, Wambaugh has written nonfiction, winning a special Edgar Award for 1974 s The Onion Field, an account of the longest criminal trial in California history. His most recent work is the novel Hollywood Moon (2010).


Over the weekend, EA released a new video that offered a behind the scenes look at the story of Battlefront II. The video also introduces the members of Inferno Squad and features gameplay from the campaign. Check it out!
Previous Article: 40th Anniversary Wave 2 To See Another Run?
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The allure of https://hawk-play.net/ online casino games is undeniable. With promises of thrilling entertainment and the possibility of winning big, it’s no wonder that millions of people flock to virtual casinos worldwide. However, it’s crucial to understand that the concept of “guaranteed wins” in online casino games is nothing more than a deceptive illusion. In this article, we delve into the phenomenon of fool’s gold, highlighting the risks associated with chasing guaranteed wins in the realm of online gambling.
The Temptation of Guaranteed Wins
Online casinos often use clever marketing tactics to entice players, employing phrases like “surefire strategies” or “foolproof methods” to lure in those seeking guaranteed wins. Unfortunately, these promises are often misleading or downright false. The truth is that all casino games, both online and offline, are designed to favor the house in the long run. This built-in advantage, known as the “house edge,” ensures that the casino consistently generates profits over time.
Understanding the House Edge
The house edge is a mathematical advantage that casinos have over players, represented as a percentage of every bet placed. This percentage varies across different games but is always present. For example, in popular games like blackjack or roulette, the house edge ranges from 1% to 5%. This means that, statistically, players will lose an average of 1% to 5% of their wagers over time. It’s important to note that this advantage is cumulative and applies to both winning and losing bets.
The Fallacy of Betting Systems
Many players are drawn to the notion of betting systems that promise guaranteed wins. These systems often involve complex strategies or patterns that players believe will tilt the odds in their favor. However, it’s crucial to recognize that no betting system can overcome the house edge. The outcome of each spin, hand, or roll of the dice in an online casino game is determined by random number generators (RNGs), ensuring fairness and preventing predictability.
Risks of Chasing Guaranteed Wins
The pursuit of guaranteed wins in online casino games can be highly detrimental to one’s financial and emotional well-being. The belief in guaranteed wins may lead individuals to develop addictive behaviors, chasing losses in an attempt to recoup their money. This compulsive gambling can spiral out of control, resulting in severe financial hardship and strained relationships. It’s vital to approach online gambling as a form of entertainment, setting strict limits on both time and money spent to avoid falling into the trap of chasing elusive guaranteed wins.
Responsible Gambling Practices
To ensure a safe and enjoyable online gambling experience, it’s essential to adopt responsible gambling practices. Set a budget for gambling activities and stick to it, never exceeding what you can afford to lose. Treat online casinos as a form of entertainment rather than a means of making money. Take regular breaks and avoid chasing losses, as doing so can lead to impulsive decision-making. Lastly, seek support if you feel that your gambling habits are becoming problematic. Numerous resources are available to help individuals struggling with gambling addiction.
While online casino games offer exciting entertainment and the possibility of winning money, the concept of guaranteed wins remains an illusion. The house edge ensures that, over time, the casino will always have the advantage. Chasing guaranteed wins can be detrimental to one’s financial stability and emotional well-being. By understanding the risks associated with the pursuit of guaranteed wins and adopting responsible gambling practices, individuals can enjoy online casino games responsibly and minimize the potential negative consequences. Remember, the true value of online gambling lies in the thrill and enjoyment it provides, rather than any illusory promises of guaranteed riches.

domain: psychology


An event needs two things to succeed: an engaging education program with quality relevant content, and a venue space that is equally inspiring and collaborative.
The audience needs to leave your event with a head full of anecdotes and sound bites, but, just as important, a good impression of your venue so that they will return. I’ll follow a good speaker or conference series wherever it travels, but show me a shoddy or ill equipped venue and I’ll definitely remember it.
For a venue to stand out it needs to have quality tech and to do the simple things well. A standard digital product is key, however the option to upscale an event with branding, social media awareness and sponsorship will make a huge difference.
Clever application of technology is becoming a bigger requirement at events; being able to link auditoria and stream panel sessions between theatres can turn a conference into a mega lecture. Having this kind of technology available at the touch of a button means there’s no additional cost or set-up time needed, while streaming to outside global audiences means more delegates can attend.
The growth of in-house venue production, our very own IET.tv for instance, allows organisers and presenters to live stream and connect online to national and global viewers. Having the ability to immediately share content throughout a building, streaming through a central TriCaster or hosting online through a secure intranet exponentially grows the exposure of an event.
Little touches go a long way; as well as fabric banners, on screen branding and production lighting, exhibitors also appreciate something slightly out of the ordinary. Whether it’s branded Wi-Fi, window peels to dress the in/exterior of a venue, or custom-made catering – anything that will make your event personal to visitors or makes your keynotes feel more comfortable and at home will be remembered long after the event has finished.
It’s not just delegates that want a personal touch, your speakers need more than just a screen and projector. Having the tech ability to live link guest speakers, stream Q&A’s and incorporate online feedback during a session creates engaging content between the audience and speaker that extends a discussion.
The image of a lively 21st century event will have half an audience engaged face-to-face with the panelists, the remaining will be on their phone’s sharing content, posting real time questions via Sli.do or a Twitter hashtag, either taking photos or recording video. Content that can be sold also introduces another revenue stream.
Emphasis should be put on allowing clients to personalise all aspects of their event and placing content online for easy consumption. Delegates, organisers and press that have easy access to everything they need, with just the touch of a button, will keep coming back for more.


BJP MLA Kuldeep Singh Sengar, who is accused of raping a 17-year-old girl in Uttar Pradesh’s Unnao district, was on Saturday sent to seven-day police custody. Earlier in the day, the four-time lawmaker was produced before a Lucknow court, a day after he was arrested by the CBI. He remained defiant in claiming his innocence and said he had ‘faith in the judiciary’.
The CBI also made a second arrest in the case as it took into custody Shashi Singh, the woman who allegedly took the victim to BJP MLA Kuldeep Singh Sengar on the day of crime.
The victim, on the other hand, expressed confidence of getting justice following Prime Minister Narendra Modi’s assurance that the country’s “daughters” would “definitely get justice”. She was taken to the CBI zonal headquarters for questioning and later to Ram Manohar Lohia hospital in the city for medical examination
WHAT IS THE UNNAO RAPE CASE ?
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The case came to light last Sunday when the victim and her family tried to immolate herself outside Chief Minister Yogi Adityanath’s residence, alleging police inaction against the accused. The family alleged that the woman was raped by the MLA and his accomplices last year. The kin added that the family was thrashed after a complaint was filed with the police in this regard.
“I was raped. I have been running pillar to post for the last one year but no one is listening to me. I want to see all of them arrested, otherwise I will kill myself,” the victim said. She added, “I had even approached the CM to no result. When we lodged an FIR, we were threatened.”
The case worsened when the victim’s father died in judicial custody a day later.
Here is how the case progressed thereafter:
BJP MLA’s BROTHER ARRESTED
The MLA’s brother, Atul Singh Sengar, was arrested along with four others, by the UP Crime Branch, for allegedly thrashing the victim’s father. According to Unnao district jail superintendent A K Singh, the father was sent to jail on April 4 in connection with an Arms Act case, with some marks on his back, suggesting that he was beaten up by sticks. “On April 5, he complained of stomach ache and vomiting. We called the district hospital physician who came to the jail on April 6 and gave him medicines. They also asked us to conduct his blood, urine and ultrasound tests, for which we again took him to the district hospital on April 7. Since the physician did not find anything serious, he was brought back to the jail the same evening,” Singh said.
“The next evening (April 8), he again complained of abdominal pain and vomiting. His blood pressure too was very low, so the jail doctor asked us to take him to the district hospital. He was admitted there but passed away hours later,” he added.
Atul was charged under Section 304 (culpable homicide not amounting to murder), Sections 323 (voluntarily causing hurt) and 504 (intentional insult with intent to provoke breach of peace) of the Indian Penal Code.
The victim was made to appear before Rajiv Krishan, Additional Director General of Police, Lucknow, who ordered a probe by the Lucknow police. Later, a special investigation team was formed to probe the alleged rape case as well as the custodial death of the father.
NHRC NOTICE TO YOGI ADITYANATH GOVERNMENT
The National Human Rights Commission (NHRC) issued a notice to the Uttar Pradesh government and the state police chief, seeking a detailed report on the death of the father, and directed authorities to ensure “the aggrieved family is not subjected to further harassment”. The commission observed that the allegations, if true, raised a serious issue of violation of human rights of the victim family.
It also issued notices to the chief secretary and the director general of police of Uttar Pradesh, seeking a detailed report, including action taken against the “delinquent police officials”, who allegedly refused to register an FIR.
SC AGREES TO HEAR PLEA FOR CBI PROBE
Based on a petition filed by advocate Manohar Lal Sharma, the Supreme Court agreed to hear the plea for a CBI probe into both the cases. Meanwhile, in more trouble for the BJP legislator, the Allahabad High Court took suo-moto cognizance of the rape case and appointed an amicus curiae in the case.
VICTIM APPEALS TO CM FOR JUSTICE
While alleging that the district magistrate had confined them to a room in a government guest house, the victim appealed to Chief Minister Yogi Adityanath to provide her justice. “I appeal to CM Yogi Adityanath to provide me justice. The DM has confined me to a hotel room, they are not even serving me water. I just want the culprit to be punished,” ANI had quoted her as saying.
Fearing trouble, the girl’s mother refused to return to Makhi village till the situation normalised. “The MLA and his associates must be planning something. No one in the village will dare support us. No one will raise voice against the MLA and his family. They hold all administrative posts in the village,” she had told Indian Express.
However, Lucknow ADG Rajeev Krishna said the family would be provided full security.
ACCUSED’S WIFE THREATENS SUICIDE
Sangeeta Singh Sengar, the wife of accused BJP MLA Kuldeep Sengar, met Director General of Police (DGP) OP Singh and demanded a narco test on her husband to prove his innocence. While threatening to commit suicide if her husband was proven guilty, Sangeeta alleged evidences were being hidden and that there was political motive behind the case.
FIR REGISTERED AGAINST KULDEEP SINGH
While facing flak from all quarters, the state government decided to hand over the case to the CBI after the Special Investigation Team submitted its report and a video that purportedly showed the girl’s father saying he was assaulted by Sengar’s brother Atul in the presence of police. The government also directed the police to file an FIR against the BJP leader and four others.
The government also received a separate report from Unnao district magistrate on the lapses on part of the government hospital. Two doctors – DK Dwivedi and Prashant Upadhyay – were suspended and while disciplinary proceedings were initiated against three of them – Dr Manoj Kumar, Dr G P Sachan and Dr Gaurav Agrawal – for laxity in giving proper medical care and treatment to the victim’s father prior to judicial custody and at the district hospital.
HC SLAMS UP GOVT OVER DELAY IN MLA’S ARREST
The government was pulled up by the Allahabad High Court over the delay in the arrest of the rape accused. The court also questioned the conduct of the police in the case, saying whom will a victim approach to register a complaint.
BJP MLA DETAINED BY CBI
Kuldeep Singh was finally detained by the CBI on Friday. However, the Allahabad High Court directed the agency to arrest the MLA instead.
NO COMPROMISE, SAYS YOGI ADITYANATH
Under fire over his government’s handling of the rape case, Yogi Adityanath said his government had not deviated from its zero-tolerance policy on crime and corruption. “As soon as the matter came to the notice of the government on April 9, we immediately constituted an SIT (Special Investigation Team) and initiated action in the matter…the policemen and doctors found guilty in the SIT report were suspended,” he told reporters in Chitrakoot.
“We have referred the matter to the CBI…our government will not compromise on the zero-tolerance policy it has followed against crime and corruption since the beginning. We will firmly deal with criminals, however influential they might be,” Adityanath added.
RAPED ACCUSED ARRESTED
After questioning him for nearly 15 hours, the CBI on Friday finally arrested the BJP MLA for raping the minor girl. Kuldeep was produced before a Lucknow court.
WATCH: Virat Kohli’s call to Anushka Sharma after RCB vs KXIP is winning hearts on Twitter


The cost of living crisis
Understanding Society is a longitudinal survey. Every year we ask each member of 1000s of the same households across the UK about different aspects of their life. In each episode of this series, we're exploring how our data has been used in a key area. We'll look at what we found, what it tells us, and what we can learn from it.
In this episode, we're looking at cost of living, who has been hit hardest? And what can government do about it? Here to discuss this are Hamish Low, the James Meade Professor of Economics at the University of Oxford, and Rebecca McDonald, the chief economist of the Joseph Rowntree Foundation, which works to solve poverty in the UK.
Hosted on Acast. See acast.com/privacy for more information.


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A high street bank is to close a further 69 branches by the autumn as customers increasingly rely on online services.
South London will lose six branches in two months alone: Peckham, Eltham, Sidcup, New Malden, Beckenham and Wandsworth.
Fewer than half of its customers now actively use its branch network, HSBC says, with the average footfall declining over 50 per cent since 2017.
The use of mobile and online banking has accelerated, particularly since the start of the lockdown, it added.
HSBC also claims none of the branches set to close are the last bank in the town they serve and they all have a Post Office within 1.5 miles where people can do day-to-day banking.
The bank said closing the branches would enable it to invest in its digital and mobile servicing and reinvest in refurbishing its remaining branches in key locations.
It also promised to increase its customer outreach programme and support for vulnerable people who might struggle to access digital banking.
Jackie Uhi, head of HSBC UK’s branch network, said: “The way people bank is changing – something the pandemic has accelerated.
“Our branches continue to support people with their more complex banking needs, but the way we can do this has also evolved, with the addition of banking hubs, community pop ups and continued use of the Post Office network.”
Last year, HSBC closed 82 of its branches across the country. It will have 441 branches left by the end of the year, only 96 of which will offer a full range of services in store.
The closures are as follows:
New Bond Street
Plus: Kingston (Date TBC)

domain: geography


In 1961 Angela Lansbury was playing the mother of rising star Warren Beatty in All Fall Down, an intense family drama adapted by playwright William Inge from the novel by James Leo Herlihy. In that film she seemed thoroughly convincing as the overbearing mother to Beatty, even though she was only 11 years older than he was. And so the film’s director, John Frankenheimer, came up with an even bolder casting idea.
When they were completing All Fall Down, Frankenheimer presented Lansbury with a book and told her that it contained her next great role. The book was Richard Condon’s startling and irreverent Cold War thriller, The Manchurian Candidate, and Frankenheimer imagined Lansbury playing the mother of Laurence Harvey, who was only three years younger than she was. But the director recognized Lansbury’s chameleon like talent and knew that she could pull it off.
Lansbury is the only major surviving cast member from that classic thriller, and she regaled us with tales of the project’s origins in a conversation with Alec Baldwin before the TCM Festival screening of the 1962 film.
Looking spry in an elegant pantsuit, the 90-year-old actress recalled her enthusiasm when she read Condon’s novel. “I was blown away by it,” she declared. “It was like nothing else I had read.” Her character was the archvillain of the story, a treacherous Soviet agent in the 1950s who is posing as the anti-Communist wife of a Republican senator.
The only obstacle was that Frank Sinatra, the producer as well as the star of the film, had the offbeat idea of casting Lucille Ball as the malevolent Mrs. Iselin. But Frankenheimer held out for Lansbury, and she rewarded his confidence with a brilliant turn that blended wit, hauteur, and ice-cold menace. Her character was later named by the American Film Institute as one of the 50 greatest villains in screen history. “It’s a lot of fun to play a well written villain,” Lansbury confirmed. Her performance snared an Oscar nomination, and many people felt she was robbed when the prize went to Patty Duke (for The Miracle Worker) instead.
Lansbury earned her first Oscar nomination at the age of 19 when she played the maid in George Cukor’s 1944 film, Gaslight, and she earned a second nomination the following year for The Picture of Dorian Gray. As an MGM contract player in the 40s, she was cast in many different kinds of movies, but she didn’t find many of them as satisfying as those two early undertakings. “Louis B. Mayer put me in a lot of dreadful parts,” Lansbury stated emphatically at TCM.
Nonetheless she made a strong impression in Frank Capra’s State of the Union and a few other films, including the underrated All Fall Down. But she knew she had an extraordinary opportunity when Frankenheimer tapped her for The Manchurian Candidate. “It was the last great movie I got to be in,” Lansbury observed matter-of-factly, “and after that, I concentrated on theater.”
Indeed she won five Tony awards over the course of her Broadway career. But she may be slighting some of her later films like The World of Henry Orient, Something for Everyone, Death on the Nile, and the animated Beauty and the Beast. Still, there’s no question that Manchurian represented the pinnacle of her screen career, and it was thrilling to see it again with Lansbury’s endorsement fresh in our ears.
Stephen Farber is president of the Los Angeles Film Critics Association. He writes for The Hollywood Reporter, Los Angeles Times, and other publications.


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Financial managers design and direct investment and money management methods, and oversee financial reporting for his or her group. Financial managers could be employed in several positions, equivalent to controller, finance officer, credit score or cash manager, and international banking supervisor or threat manager. They could be influential in mergers and international expansion or different related finance tasks.
A loan signifies that cash is moved from the savings or funding account of person ‘A’ to the loan account of individual ‘B’. Individual ‘A’ has more money than he currently wants; he could also be saving for a rainy day”. He wants his savings to earn interest to prevent them from being decreased in worth by inflation. A financial institution or monetary establishment provides to pay particular person ‘A’ curiosity on his financial savings if the cash with them. The financial institution or financial institution uses this cash to make profits. They’ll lend it to person ‘B’ and cost a better charge of curiosity than they’re paying particular person ‘A’.
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domain: finance


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domain: entertainment


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This weekend, Apple announced that the company will replace the battery on troubled iPhone 6S devices for free. The announcement comes less than one week after a Chinese group reported the phone shuts down with more than half battery remaining. This is the second time the Cupertino-based company offers battery replacement for iPhones. The last time this happened, it was three years ago.
Devices manufactured in September and October 2015 are affected
Apple says that only a small number of iPhone 6S models are affected. Only those phones will be eligible for replacement. Fans need to check the serial number of their phone before heading into a store. The company also advises consumers to back up their data, turn off “Find my phone” and erase settings. As part of the repair service, Apple will not repair cracked screens. Devices manufactured before or after the specific period will not get
The company also advises consumers to back up their data, turn off “Find my phone” and erase settings. As part of the repair service, Apple will not repair cracked screens. Devices manufactured before or after the specific period will not get free battery replacement. Consumers that bought new battery due to random reboots are eligible for refund. That applies only if the phone was manufactured in the specific window.
How to fix your phone?
All consumers that have phones produced in the period September and October 2015 must contact Apple. Consumers can contact the Cupertino-based company online. After they contact Apple, consumers should visit an authorized service provider, or an Apple store. There, they will learn whether their iPhone 6s is eligible or not.
Important note: wireless carriers are not participating.
Apple being cautious after Galaxy Note 7 fiasco
Chances are Apple will not experience a Galaxy Note 7 fiasco. After all, devices are just powering off, not exploding. But it is interesting that the replacement comes just two months after the Galaxy Note 7 fiasco. Back then, Samsung replaced millions of devices because of battery issues.
Apple, unlike the Korean company, said that the issue is not a safety matter. In addition, the matter affects just limited numbers of phones.
Some Questions still unanswered
The good news is that Apple will fix the problem. But there are still some questions that are left unanswered. For example, one question is “When Apple learned of the problem”? Another question is “Why Apple thinks that the shutdowns are related to the battery”? And it is strange that only phones produced in September and October are affected. How did Apple conclude that only those phones are affected? Did Apple use different battery for those phones? A different battery supplier?
It is worth noting that consumers have reported problems with the battery for more than a year. Apple forums were full with clients claiming their devices powered off. Most of the phones powering off had more than 1/3 of battery left. Only when users plugged the devices, they restarted.


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The Texas Federation of Women’s Clubs, or as we call it, the Fed, has been the home of the Austin Swing Syndicate since 1999 (the building was built in 1931). Our Thursday night dance is one of the longest, most well attended weekly swing dance events in the country! We host intro classes every week and you never need a partner. Most Thursdays we have 2 rooms for dancing.
50s Dance Party collects some of that decade's most popular songs, including Danny and the Juniors' "At the Hop," the Dell-Vikings' "Come Go With Me," Bobby Freeman's "Do You Want to Dance?," and the Diamonds' "Little Darlin'. Songs by Lloyd Price, Little Richard, Buddy Knox, the Coasters, and Sandy Nelson complete this enjoyable retrospective of '50s sock-hop music.
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The Philippines plans to deploy several new patrol boats in waters off its northern regions, where its exclusive economic zone overlaps with that of Taiwan, a senior Philippine Coast Guard officer said yesterday.
The Philippines is expected to receive 10 multirole patrol boats from Japan soon. The boats come as Manila and other South China Sea claimants — including Taiwan — face Beijing’s increasing efforts to solidify its disputed territorial claims, Philippine news outlets reported.
The boats are to patrol waters surrounding the Philippines and to protect its fishery resources, said the officer, who spoke on condition of anonymity.
Some of the new 40m boats are to be deployed in waters in the northern Philippines, the officer added.
Separately, the Philippine Coast Guard issued a statement yesterday confirming a standoff with a Coast Guard Administration vessel last week.
The incident occurred when the Philippine Coast Guard apprehended a Taiwanese fishing vessel, the Ming Jin Cai No. 6, 18 nautical miles (33.3km) northeast of the Philippines’ Batan Islands on May 25, it said.
The Philippine Coast Guard was towing the fishing boat when a Taiwanese cutter appeared, blocked the Philippine vessel and demanded the release of the fishing boat, it said.
After four hours of negotiation, the fishing boat was released.
The Philippine statement came after the Coast Guard Administration released a video of the standoff on Monday.
The incident resulted from differences of opinion between the two sides on the scope of law enforcement duties by the respective authorities.
Once foreign fishing boats enter waters within 24 nautical miles of the Philippines’ contiguous zone — an area contiguous to its territorial sea — they are subject to inspection or even detention, a Philippine official has said, citing an administrative decree issued by the country last year.
Taiwan, however, does not consider the Philippines’ claim of rights in a contiguous zone of 24 nautical miles as compliant with international law and sees the area between 12 nautical miles and 24 nautical miles off the Philippine coast as part of an exclusive economic zone in which Taiwanese fishing boats can operate legally.
Fishery authorities from the two nations are set to hold a meeting in Taipei soon to address the matter. The meeting follows three fishing incidents last month, two of which involved Taiwanese fishing boats in the overlapping economic zone of the two countries, while the other incident took place in Philippine territorial waters.
The incidents happened as both countries are trying to sign an agreement covering law enforcement cooperation in their overlapping economic waters. The agreement covers a consensus reached by the two countries, including no use of force or violence when patrolling fishing grounds, the establishment of a mechanism to inform each other in the event of fishery incidents, and the release of detained fishermen and boats as soon as possible.
DISTRUST WARRANTED? The WHO is under China’s control and has become a useless organization, while data from China cannot be trusted, a Control Yuan member said China’s demand that the novel coronavirus that emerged in Wuhan, Hubei Province, not be referred to with names like the “Wuhan pneumonia” betrays its lack of confidence in itself, Premier Su Tseng-chang (蘇貞昌) told lawmakers yesterday. Democratic Progressive Party Legislator Tsai Yi-yu (蔡易餘) asked Su, during a interpellation at the Legislative Yuan in Taipei, for his view on China’s attempts to redeem its national image in the wake of the COVID-19 pandemic. These included China’s efforts to “bleach” its image, including having WHO Director-General Tedros Adhanom Ghebreyesus publicly praise its handling of the COVID-19 outbreak, and thanking it for buying time
TOO TIRED: Investigators found that the pilot’s lack of alertness could be attributed to a lack of sleep the previous night, when he had slept with his child It was a copilot’s inappropriate operation of the aircraft and the pilot’s insufficient alertness that led to a hard landing of a China Airlines cargo flight on Dec. 13, 2018, the Taiwan Transportation Safety Board said yesterday. Flight CI6844, a Boeing 747-409 which departed from Hong Kong International Airport, landed on the pre-threshold area of runway L5 at Taiwan Taoyuan International Airport, about 21m before the head of the runway, an investigation report said. The hard landing damaged three runway lights, but none of the personnel on board sustained any injuries, the report said. When approaching the runway, the copilot failed to maintain
REPEAT OFFENDER: The man went outside for exercise on Wednesday and then left his home on Saturday with his girlfriend, officials said A New Taipei City man has been fined NT$400,000 (US$13,221) and ordered into government quarantine after breaking home quarantine for a second time on Saturday. The 25-year-old man, surnamed Chen (陳) returned to Taiwan on Sunday last week and was ordered to home quarantine until Sunday. He was seen leaving his home on a scooter with his girlfriend on Saturday, three days after he was fined NT$200,000 for going outside to exercise, police said. Chen has now been placed in a quarantine center arranged by the district office and health center of the district where he lives, police said. Police warned the public
Taipei residents who stay at hotels in the city during their 14-day mandatory quarantine period are eligible to apply for the city’s NT$7,000 subsidy, with online applications to be launched next week. Taipei Deputy Mayor Vivian Huang (黃珊珊) on Monday said Taipei residents who have COVID-19 Health Declaration and Home Quarantine Notice dated after March 19 and a quarantine hotel receipt for the dates covered by the quarantine period, would be eligible for the subsidy. The Taipei City Government on Sunday told the Central Epidemic Command Center (CECC) that so many city residents are under home quarantine that about 90 percent of

domain: law


With a growing need for safer schools across the country, RTI implemented the All Hands on Deck program in three North Carolina counties in the spring of 2019. According to the 2017 Youth Risk Behavior Survey (YRBS), 10.1% of high school students in North Carolina reported that at least one day in the past month they “did not go to school because they felt unsafe at school or on their way to or from school.” This percentage translates to more than 45,000 students, which is an increase of nearly 4% from 2015, and the highest reported measurement since the survey was initiated in 1993 (YRBS, 2017).
Funded by the North Carolina Department of Public Instruction School Safety Grant, All Hands on Deck included a series of three customized, on-site professional learning workshops for 67 teachers, 5 administrators, and 13 student support personnel. One-on-one follow-up coaching for teachers and support personnel provided supports tailored to individual needs and implementation goals. Download our free white paper to learn more about this program and how implementing social and emotional learning into your everyday classroom can benefit your students.
Hart, C. P., & Nash, F. M. (2020). Social and Emotional Learning: A Mindset for School Safety and Student Security. RTI International.


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- Policy/Program Issuances
- Foster Care, Information Memoranda (IM)
- Apportionment, Allocations & Allotment
This is a historical document. Use for research and reference purposes only.
This Information Memorandum (IM) provides information on Fiscal Year (FY) 2003 Reallocated Funds under the Education and Training Vouchers (ETV) program of the Chafee Foster Care Independence Program (CFCIP) under the Foster Care Independence Act of 1999.
- IM-04-02.pdf (43.12 KB)

domain: library


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Ouagadougou, 5 March 2019 - An unprecedented humanitarian emergency is unfolding in Burkina Faso where armed violence and insecurity have sparked massive population displacement and heightened adversity among some of the country’s most vulnerable communities. To save lives and reduce suffering, humanitarian assistance must be ramped up immediately.
“Thousands of families continue to flee due to persistent insecurity. We must be by their side, providing shelter, water, food and healthcare timely and sufficiently,” said UN Assistant-Secretary General and Deputy Emergency Relief Coordinator, Ursula Mueller. “Burkina Faso authorities and humanitarian actors have quickly provided assistance, however, more has to be done to meet growing needs of the affected people wherever they may be. I urge all actors to respect the neutrality of aid workers and do their utmost to ensure the protection of communities.” Ms. Mueller, who visited Burkina Faso on 2 – 5 March, met with displaced families and other affected communities. She also held talks with President Roch Marc Christian Kaboré and top Government officials on ways to enhance humanitarian assistance.
The violence has displaced over 100,000 people, more than half of them in the first two months of 2019. Some 150,000 children are deprived of education, and around 120,000 people have no access to medical care in the violence-affected regions. Around 670,000 people are at risk of food insecurity, and 130,000 children are threatened by severe acute malnutrition this year. “Our common goal is to safeguard the dignity and the protection of the affected population, and we are determined and committed to see this through. I urge all technical and financial partners, the private sector and the civil society to support us in implementing the emergency relief plan,” said Hélène Marie Laurence Ilboudo/Marchal, Minister in charge of humanitarian action.
In February, the Government and the aid community launched an emergency plan, appealing for US$100 million to assist some 900,000 people hardest-hit by the crisis. On 4 March, the UN Central Emergency Response Fund (CERF) allocated US$4 million available within 72 hours to boost urgent assistance to 25,000 internally displaced persons, and 5,000 people in host communities in Centre-Nord and Sahel regions, as well as services for 15,500 women and girls.
“As we strive to alleviate suffering, we are also seeking ways to reduce and end recurrent humanitarian needs. Our efforts must look beyond the current humanitarian emergency and sustainably address the causes of the crisis,” said Metsi Makhetha, the UN Resident Coordinator for Burkina Faso. “The affected communities must not only be able to regain their livelihoods, but be given the opportunity to prosper and build a better future for themselves and their children.”
- UN Office for the Coordination of Humanitarian Affairs
- To learn more about OCHA's activities, please visit https://www.unocha.org/.


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Renovations can get expensive fast, and when you’re on a bit of a budget it can be hard to know where exactly you need to splurge, and where you need to be stretching your dollar as far as it can [...]
We know that the Australian property market is currently experiencing some changes… with the seemingly daily news reports on the topic, how can we not? With falling house prices in some cities [...]
School holidays can be a joyous time for our little ones, they’ve worked hard all semester and are ready for those few weeks off before they have to go back to the classroom, regardless of their [...]
Have a watch of the video below for our MONEYQUESTion of the day!
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iWalt.com, once a photography juggernaut, featuring intercontinentally submitted adventure photos (thanks to our in-family thrill-seeker Bryce) and every-day friend and family photos, has been languishing in an era of code development and feature enhancement. I’m hoping to get back to the photos in the coming months, possibly with a new camera, new tools for user submission of photos, and new methods for displaying the photos.
One of the first steps to this process is enabling the ability to add photos to the weblog. I tinkered with this feature tonight, the photo above is something I put together a while back after buying some furniture for my room in the Habbo Hotel. (I spent like $3, it was fun.) Anyway, it’s cool.
Also, I highly encourage others who want to start blogs of their own to sign themselves up with BlogSpot. It’s free and fully functional, check it.


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