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Author: William M. Springer
Annotation: Hawaiian annexation, 1893
Document: In the complications which have arisen recently in the Hawaiian Islands a few residents, prompted by their personal interests, nearly all of whom are of foreign birth and many of whom are aliens, have sought to embroil our government in the internal affairs of a peaceful, but feeble nation. The pretext for this intervention is based upon the alleged fact that the government of the queen of the Hawaiian Islands was a semi-barbaric monarchy resting on no solid or moral foundation, dead in everything but its vices, coarsely luxurious in its tastes and wishes, constantly sending out impure exhalations, and spreading social and political demoralization throughout the islands. This is the indictment against the monarchy made by the late minister, Mr. Stevens, who, after leaving the islands, further assails the government to which he was so recently accredited as a diplomatic representative, by charging that the queen has sustained scandalous and immoral relations with one of her ministers. This being the alleged condition of the government of Hawaii, an appeal is made to the moral sentiment of the American people to justify the overthrow of that government and establish in its stead what its friends and supporters have denominated “a Christian government,” by which we may assume, is meant a government whose administrators profess the Christian religion.
The provisional government which was established had no other foundation for its existence than what is called the great mass meeting of January 16, at which the whole attendance did not exceed sixteen hundred persons. At this meeting a committee of public safety was appointed, which committee proclaimed a provisional government. This provisional government was not even submitted to the town meeting for its approval. It could not have maintained an existence for an hour had it not been for the fact that the marine forces on board the United States steamship Boston, then lying in the harbor, were, at the request of the committee of public safety and the American minister, landed, and were stationed at such points as the American minister, acting in conjunction with the provisional government, directed. These armed forces of the United States remained on shore in Honolulu for seventy-five days, and thus this remarkable revolution in the Hawaiian Islands was accomplished. The government of Hawaii, whatever may have been its faults, was not founded upon bayonets, the whole number of the armed forces of the queen being less than one hundred, a mere police or constabulary force for maintaining law and order in and about the public buildings in the city of Honolulu. The local government was overpowered by the mere presence of the United States troops. The queen states, in her appeal to the President of the United States, that she surrendered to the superior forces of this government in order to avoid unnecessary conflict, and trusting to the justice of our government, when all the facts shall be known, to reinstate her in her rightful position.
Whether the government of Hawaii was a just one, a moral one, or an efficient one, is a matter which does not concern the American people. We have no more right to overthrow a monarchy in Hawaii because it does not conform to our ideas of a just government, than we have to overthrow a monarchy in Canada or Great Britain, or Russia or Turkey, or Spain or elsewhere.
But it is alleged that the presence of the United States forces on shore was necessary to the protection of American life and property. This claim can only be supported upon the assumption that American citizens were actually in danger in their persons and in their property while peacefully pursuing their business there. If American citizens were interfering with the local government and using their influence to overthrow it, they had no right to claim the protection of American forces in this unlawful and revolutionary procedure. If they were peaceable and obeying the local law they were in no danger whatever. There is not an allegation that one of the subjects of Great Britain or of France or Germany or of China or Japan or of any other government required the interposition of the armed forces of their governments for their protection, or that the property of these subjects of such governments was in any way endangered by anything that was being done at the time. It is passing strange if ours were the only foreign citizens who were endangered in their lives or their property. If the citizens of the United States who were in Honolulu at the time had been minding their own business and had kept their hands out of the affairs of the local government, they would no more have been in danger of their lives and property than were the citizens and subjects of other governments. Besides this, what injury could a weak and defenseless government, such as that of Hawaii, have inflicted upon the citizens of the United States, when all the armed forces of the monarchy did not exceed a hundred persons all told? Therefore the claim that the lives or property of American citizens were in danger is a mere pretext, having no foundation whatever in fact.
The people of the United States are not responsible for the kind of government that may be in existence in the Hawaiian Islands. Nor is it any of their concern as to whether that government deals justly with its citizens and subjects or not. Whether the government of Hawaii is a good government or a just government is a matter for the people of that island to determine for themselves. There is no divine right of republicanism in this world, any more than there is a divine right of kings. The divinity in all these matters is in the right of the people to govern themselves.
In this connection it is worthy of remark that the American minister, Mr. Blount, in his report to this government, summarized by Secretary Gresham, states that while at Honolulu he did not meet a single annexationist who expressed a willingness to submit the question of annexation to a vote of the people, nor did he talk with one on that subject who did not insist that if the Islands were annexed to the United States, suffrage should be so restricted as to give complete control to foreigners or white persons. I have, myself, on several occasions, conversed with those representing the provisional government in Washington upon this very point, and I inquired especially of them why means were not taken to submit the question to the people of Hawaii as to whether they desired to maintain the provisional government or to be annexed to the United States. In every instance I was informed that the people of the islands were not capable of self-government, and if the question were submitted to them that they would be hostile to this movement. The fact is that the people of Hawaii have never been consulted upon this subject. The so-called provisional government did not emanate from them, and does not have their sanction. It is a usurpation, which could not have had any de facto existence, to say nothing of a rightful existence, except for the presence of the overpowering armed forces of the United States. What right has a provisional government, thus established, to make a treaty with the government of the United States for the annexation of those islands to our government? Who has clothed this provisional government with authority to speak for the people they pretend to represent?
Our own right to self-government is no more sacred than the right of the handful of ignorant Hawaiians in the Sandwich Islands to govern themselves. If they prefer a monarchy, feeble and inefficient though it may be, it is their business, and not ours. But it is claimed that the provisional government is one composed of Christians, and that they are representatives of advanced Christian civilization. The United States, being a Christian nation, should sympathize with and render moral and material aid in sustaining that government; and it is alleged that we have no right to consent to its overthrow. It may be conceded, for the sake of argument, that the provisional government is composed of Christians, and that it more nearly corresponds to our ideas of a just government than does the government of the monarchy, but, as suggested before, this is foreign to the controversy. We have no more right to interfere on this ground with the government of Hawaii than we have to interfere with the government of China or Japan or Turkey, none of which are Christian or administered by Christian statesmen, and none of which, we have a right to assume, are any more just to the subjects of such government than is the monarchy of Hawaii to its subjects.
Such a claim would make the United States the moral and religious arbiter of the world; would constitute us self-appointed crusaders, going about the earth pulling down and destroying alleged heathen and semi-barbaric monarchies, and establishing Christian governments and civilization in their stead. This is not the mission of our government. If we have any concern as to the imperfection of these so-called barbaric governments, we may send our missionaries to them to convert them to our religion or send our statesmen among them to convince them of the superior advantages of our form of government. But to send our naval forces to the ports of other governments, to land them upon their soil, and allow them to be used for the purpose of overthrowing, in connection with foreign-born subjects or aliens, the established government, would make our Christianity a fraud and our boasted republicanism a mockery. Who would suppose for a moment that our government would have permitted such an intervention in the affairs of an island or dependence of Great Britain, or in any province owing allegiance to Great Britain, or to any other powerful government? We would not dare to assume such a role. It would be regarded as a declaration of war, and we would be compelled to withdraw our forces and apologize for our intervention.
The question is frequently asked in partisan papers: How can the monarchy be restored? Or, by what right does the government of the United States assume to reestablish a monarchy which has been overthrown? The government of the United States has no more right to establish a monarchy in Hawaii than it has to establish one in Mexico or in Central America. But it is the duty of the United States Government, when its agents and representatives have committed a wrong against the government of a friendly power, to redress that wrong, and in this case it can only be accomplished by placing the government in statu quo, or in the condition in which it was found at the time the armed forces of the United States were landed upon Hawaiian soil, and interposed in the local affairs of the monarchy. We cannot redress the wrong we have committed by merely withdrawing our forces, after they have been used for seventy-five days to suppress the existing government and establish a provisional government in its stead. We must restore to the queen her own armed forces and we must disarm the forces of the provisional government which were armed and equipped by the aid and under the protection of our navies. Anything short of this is a mockery of justice, a disgrace to our diplomacy, is unworthy of a Christian nation, and a travesty upon our devotion to the principles of local self-government.
If the restoration of the status quo, which existed prior to the landing of our forces on Hawaiian soil, should result in the restoration of the monarchy, such restoration would only demonstrate the fact that the overthrow of the monarchy was due to our intervention. If it does not result in a restoration of the monarchy, then we have washed our hands of responsibility in the matter, and have vindicated the integrity of our diplomacy and the high character of our government as one which loves justice and maintains international comity. Therefore it is not the restoration of the monarchy which is in issue, but it is the restoration of the condition which existed prior to the armed intervention of the United States. Justice requires that our government should go back thus far, and when we have thus done justice we are not responsible for the injustice that others may do. We must maintain our integrity as a nation. We must vindicate our regard for the rights of a weak and defenseless government.
One other matter is worthy of consideration, and upon that there is room for honest differences of opinion. Is it desirable that the Hawaiian Islands should be annexed to the United States? What would result from annexation? The so-called treaty which was submitted by the provisional government to the late administration of President Harrison and the Senate for its consideration, provided that our government should assume the debts of the monarchy and should grant a pension to the deposed Queen and to some members of her family. In the event of annexation the inhabitants of the islands would become citizens of the United States, unless they chose to expatriate themselves, or to continue as the subjects of a foreign government. The native Hawaiians would become citizens of the United States. They would have no place else to go for a home or for a domicile. They are ignorant of our laws, and of our institutions, and are incapable of self-government under a system such as that which we have in the United States. The laws which would be passed especially for government of the islands would be passed by the Congress of the United States and all general laws and the constitution of the United States would be over them as over other points of the United States. Laws which would be passed at Washington to govern a people who had no representation whatever in the law-making power, would have as little regard for the wishes of the people as would the laws imposed upon them by the monarchical form of government. In neither case would the people have anything to do with the making of the laws which should govern. There would be serious objections to permitting the admission of the islands into the Union as a State with two Senators and a Representative in Congress. Their civilization, their habits, their ideas of government will not assimilate with our institutions and we do not need the aid of the representatives of such a government in the councils of the nation to assist us in the solution of the governmental problems with which our people have to contend. Annexation therefore is of very doubtful expediency. What is desirable so far as these islands are concerned, and what is the interest of the United States in reference to them? It seems to me that our true interests lie in the direction of a neutral and independent government of the Hawaiian Islands a government for which we would not be responsible and which would not entitle its citizens to the protection of the government of the United States. Let them govern themselves in their own way, and as our government should maintain neutrality as to the local government of Hawaii we should insist that all other governments should maintain like neutrality and like non-intervention. The example which President Cleveland’s administration has set in reference to these islands will enable us to successfully insist that other nations shall maintain a like policy. We should regard the seizure of the government of Hawaii by any other power as casus belli and resist it accordingly. The neutrality and independence of Hawaii as to all other governments is the policy which should he maintained and insisted upon by our government. We need those islands as a coaling station for our merchant marine and our vessels of war. We need them as harbors of refuge for our commerce upon the seas. We need them as places for meeting and exchanging on the high seas our products with the products of other countries. So long as these privileges are granted to us we have no right to object to like privileges being granted to other governments. Hence it is of the highest importance to the commerce of the world and to the peace of nations that the Sandwich Islands should be guaranteed by all governments a separate and independent existence, whose advantages should be shared alike by all the nations of the world, and which should, under no circumstances, be appropriated to the exclusive use of any one of them. As believers in the superiority and efficacy of republican institutions, as compared with monarchical, we may indulge the hope that the example of our own government and the advantages of our civilization may soon induce the people of Hawaii, acting upon their own judgment and desiring to promote their own interests, to suppress their monarchy and establish in its place a republican form of government. This will require time and the education of the masses. In the near future the education necessary to fit that people for self-government will be attained. It is education and not armed intervention that will bring about the reformation which every American citizen should desire.
William M. Springer

domain: history


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Realtor slain in model home
Last Friday, tragedy struck the real estate community when 27 year old Des Moines Realtor Ashley Okland was fatally shot twice while at a model home open house.
Immediately, the Des Moines police stated they believed it was an isolated incident despite having no suspects. Over the weekend, a neighbor came forward noting they heard a “commotion.”
Suspecting another Realtor
Today, the DesMoinesRegister reports that West Des Moines’ Lt. Jim Barrett said this morning that “police do not need the public’s help in locating a man seen talking with slain real estate agent Ashley Okland in the months leading up to her death.”
Earlier this week, officials asked the community for help in identifying a “scruffy” young man in a black vehicle resembling an Escalade who had been seen at the model with Okland before.
The Register said, “Barrett said the man is believed to be another Realtor. The police sent out a description of the man and his vehicle to area real estate agents Monday. He said today that those individuals are the people most likely to know the man.”
Laying Okland to rest
Results of the Monday autopsy have not yet been released. Channel 5 reports, “A memorial fund has been established by Ashley Okland’s family. You can send donations to 30048 530th Avenue, Kelley, IA 50134, which is where she was from. Money sent will be distributed to Okland’s favorite charities.”
There is a visitation planned for the Fjeldberg Lutheran Church in Huxley Tuesday from 4:00 – 8:00 p.m. A Celebration of Life will be held at 10:30 a.m. on Thursday at Lutheran Church of Hope in West Des Moines. Okland will be buried in Huxley.
Editor’s note: Realtors, while we do not yet know what happened or if “safety” was of any issue, we still urge you to trust your instincts and to stay safe. Please pray for the Okley family and the shaken Des Moines real estate community.
April 14, 5:30cst: Des Moines Register reports 1,600 attended Okland’s funeral today. Still no suspects or leads leaving a frustrated real estate community and a mourning family. Rest in peace, Ashley, we believe justice will be served in your honor.
April 15, 2:18cst: Des Moines Register just reported that a search warrant has been issued in the case, but police spokespeople will not provide any details of the warrant.
April 16, 6:44cst: Des Moines Register reports the reward has been increased again to $66,785, they still seek a “scruffy” man, the search warrant has not yielded any reports from police who have received 340 tips and leads.

domain: news


text:
I invite you to PAI Institute of Fashion Design.
We will make every best effort to guarantee that we are doing our best to guide you through Fashion Designing, Technology, Production, Merchandising, Communication, Textile Design and practical and wearable Fashion. To give our students Industry Integrated Programs with International Exposure.
We permit our students with global standards of education in design, which enables them to have an international exposure and jobs abroad. We foster imagination and encourage entrepreneurship.Our goal is to spread pertinent/quality education and help you to make make mark in this industry.
Thanks & Regards

domain: design


text:
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Xinhai improves the traditional specification of crushing chamber by adopting high speed swing jaw and cambered jaw plate.
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1993-2018 Xinhai Machine . All rights reserved | Design by Xinhai

domain: chemistry


text:
The Animal Welfare Society of South Africa is running a campaign to microchip pets ahead of Guy Fawkes, when animal shelters are swamped with fireworks-startled strays.
It is offering discounted microchipping for R100 a pet until Sunday November 4 at its headquarters in Papkuilsvlei Road, in Philippi.
The society’s spokesman, Allan Perrins, said many of the strays AWS admitted each month had no identification, which made it very hard to reunite them with their owners.
“Since the beginning of the year, we have admitted over 120 stray dogs and 33 stray cats. Only 28 dogs and none of the cats were claimed. None had identification. On average, 43% of our kennels are occupied by stray animals. Most arrive in poor condition with no identification and need far more rehabilitation than a bowl of food and water,” said Mr Perrins.
The society’s resources were usually stretched after Guy Fawkes as it struggled to reunite unidentified strays with their owners, he said. The AWS hoped to make that job easier by encouraging pet owners to microchip their animals.
“We aim to microchip at least 400 (hopefully more) pets between now and Guy Fawkes,” Mr Perrins said.
Some tips to keep pets safe over Guy Fawkes
Make sure your pet has identification.
If possible stay home.
Keep pets indoors.
Close gates, doors and curtains.
Keep pets away from windows.
Mask the noise of crackers by switching on the TV or radio.
Take your dog for a long walk to tire them out before the racket begins.
Bring cages and hutches indoors – all animals are terrified of fireworks – not only dogs.
Surround pets with familiar and comforting items.
You are you pet’s alpha, so stay calm.
If you know that your pet is likely to become petrified consult your local vet or animal welfare clinic about prescribing a calming remedy.
Report illicit or illegal use of fireworks to law enforcement or SAPS.
Call the AWS on 021 692 2626 or 082 601 1761 or nearest animal shelter to report any animals in distress.

domain: pet


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Ooberfuse – Seventh Wave 24th October + TOUR DATES
Ooberfuse is the only band in the world who could say they are the Pope’s favourite electropop band. You can hear the Pope rap on one of their songs and they have been his official opening act for World Youth Day in Madrid to a live audience of 2 million. The street savvy band from Woolwich, London is now ready for the UK to hear their real sound. The band has been busy getting the word out on their album since February 2012. From headlining concerts in London’s Trafalgar Square and Leicester Square to leading a global multimedia campaign to free a woman unjustly sentenced to death by hanging in Pakistan, Ooberfuse is launching a movement through music: Seventh Wave.
Old folklore speaks of waves coming in sets of seven. Every seventh wave is particularly strong. Seafarers recount incredible stories of drowning men thrown overboard who are tossed back to their boats on the surge of the seventh wave. We are tossed on the ocean of the human heart engulfed by waves of anxiety, fear and despair in modern England. Very often we feel we are drowning, that the last bit of oxygen from our lungs is about to exhale. At these crisis moments from nowhere and quite unexpectedly we are lifted up by the overpowering surge of love’s seventh wave. It comes crashing over us tossing us back to our boats to resume lives energised by an irresistible power rising up from beyond ourselves.
Ooberfuse have surfed the seventh wave to bring you each of the tracks on this album. Open your ears for an irresistible musical experience that will push you back to your daily lives energised and lifted up. Fasten your belts for the ultimate ride! Will you be part of the Seventh Wave

domain: artistic


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My heart is aching from all the cuteness! Not only have we seen some big hearted pups like Hei Zi, Echo, and Lilly taking to piggies and sets of "pittens" like their own, now Ellie, a Cavalier King Charles Spaniel in Sussex, England has given new life to a set of baby rabbits after their mother was found dead in her owner's garden. It really has me wondering what other animals dogs have adopted right under our noses – do we have any dogs befriending ducks out there? Gerbils, perhaps?
From Our Partners
Latest Dogs, Cats, and Other Pets


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- GuideStar Publications
- What You Need to Know about Nonprofit Executive Compensation
What You Need to Know about Nonprofit Executive Compensation
"The area of executive compensation poses similar challenges. ... For some, there may be a disconnect between what, as members of the public, they might consider reasonable, and what is permitted under the tax law."
—February 2009 IRS Report
Can you answer the following questions?
- What does the IRS allow tax-exempt organizations to pay their exectives?
- What happens if the IRS determines that a nonprofit leader has been overpaid?
- How can a nonprofit's governing body protect its members and the organization's executives?
- What kinds of data should nonprofit executive compensation be based on?
If you don't know the answers to these questions—or if you do, but want to make sure your understanding is up to date—download a free copy of "What You Need to Know about Nonprofit Executive Compensation." Prepared by GuideStar staff, the report addresses these issues and more.
Publication date: September 2011
"25 examinations have resulted in proposed excise tax assessments ... aggregating in excess of $21 million, against 40 disqualified persons or organization managers."
—March 2007 IRS Report
Download Your Free Copy of "What You Need to Know about Nonprofit Executive Compensation"

domain: law


There has never been a better time to #WashYourCyberHands.
The COVID-19 pandemic has provided the perfect breeding ground for cyber criminals to capitalise on, and exploit the outbreak of the virus to steal data, commit fraud and circulate online scams. Law enforcement agencies and the cybersecurity industry have seen an increase in the number of targeted cyberattacks by criminals since the outbreak began.
INTERPOL has announced it is launching a global campaign to raise awareness about the top coronavirus related cyber threats throughout the globe. The campaign will provide basic cyber hygiene advice to businesses and individuals on how to ‘wash your cyber hands’ and protect systems and data from cyber threats.
To kick off the campaign, INTERPOL has released a publication ‘Global landscape on COVID-19 cyberthreat’. The publication highlights the rise in a number of COVID-19 related scams and malicious activity. It is clear from this publication cyber criminals are leveraging opportunities provided by the coronavirus pandemic.
To mitigate these risks and practice good cyber hygiene, INTERPOL recommends:
- backing up online and offline files regularly and securely;
- strengthening your home network;
- using strong passwords;
- keeping your software updated;
- managing social media profiles;
- checking privacy and security settings;
- avoiding opening and delete suspicious emails or attachments.
In addition, we also recommend using two factor authentication wherever possible – an easy mitigation to implement but can be overlooked.
Even during these challenging times, now is not the time to be complacent about cybersecurity. For instance, the Australian Federal Police are investigating fraudulent activity related to the Australian Government’s early access to superannuation scheme. According to reports, up to 150 potential victims may have been impacted by the alleged fraud, where superannuation money has been paid out fraudulently via the unlawful use of personal details. #WashYourCyberHands


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If the Sun fades and there is not enough light to charge your device- the BlitzWolf Solar Charger will automatically restart charging when the sunlight becomes strong enough. Perfect for multiday charging or on a cloudy day.
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The tough PVC Rainproof case and water tight solar panel is designed to survive in the wild with outdoor moisture and rain pr


Steve Koczela President, The MassINC Polling Group
Steve Koczela is the President of The MassINC Polling Group, where he has grown the organization from its infancy to a nationally known and respected polling provider. During the 2014 election cycle, MPG conducted election polling for WBUR, the continuation of a three-year partnership. Koczela again led the endeavor, producing polls which came within one point of the margin in both the Massachusetts gubernatorial and U.S. Senate Elections. He was also lead writer for Poll Vault, WBUR’s political reporting section during the 2014 Election Cycle.
He has led survey research programs for the U.S. Department of State in Iraq, in key states for President Barack Obama’s 2008 campaign, and has conducted surveys and polls on behalf of many private corporations. Koczela brings a deep understanding of the foundations of public opinion and a wide ranging methodological expertise. He earned U.S. Department of State recognition for his leading edge work on sample evaluation in post conflict areas using geospatial systems.
Koczela is frequent guest on WBUR as well as many other news and talk programs in Massachusetts and elsewhere. His polling analysis is often cited in local, state, and national media outlets. He currently serves as President of the New England Chapter of the American Association for Public Opinion Research (NEAAPOR). Koczela holds a Master’s degree in Marketing Research from the University of Wisconsin and is a veteran of the war in Iraq.
ARTICLES By Steve Koczela
Winter Storm Trump hits Massachusetts
Results from a Survey of Massachusetts Voters
Survey of registered voters in Massachusetts
Extreme Makeover – GOP Debate Edition
MPG round-up; Trump’s online polling bump
CNN Democratic Debate Reaction: Don’t believe anything you read… yet
Solar’s future’s so bright it’s gonna need shades


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- Do I get super on JobKeeper?
- How much is JobKeeper payment now?
- Do sole traders get the $1500?
- How do I qualify for JobKeeper?
- What if I earn more than JobKeeper?
- Who pays super on JobKeeper?
- What is the cut off date to apply for JobKeeper?
- Can I still apply for JobKeeper as a sole trader?
- Can you still apply for JobKeeper payment?
- Can you be fired while on JobKeeper?
- How do I get paid by JobKeeper?
- How often is JobKeeper paid to sole traders?
- Is JobKeeper tax free?
- What date is JobKeeper paid each month?
- Is it too late to claim JobKeeper for April?
- Is it too late to claim JobKeeper?
- Is JobKeeper taxable income for sole trader?
Do I get super on JobKeeper?
Participating employers will be required to ensure eligible employees receive, at a minimum, $1,500 per fortnight before tax.
It will be up to the employer if they want to pay superannuation on any additional wage paid because of the JobKeeper Payment.
The payment will be made monthly to that person’s bank account..
How much is JobKeeper payment now?
The current JobKeeper rate is $1500 per fortnight, no matter what your hours are or what your job is. From September 28 to January 3, 2021, this “flat rate” will be reduced depending on how many hours you used to work before the pandemic hit.
Do sole traders get the $1500?
Eligible sole traders will be paid $1,500 per fortnight per eligible employee. Eligible employees will receive, at a minimum, $1,500 per fortnight, before tax, and employers are able to top-up the payment. … Payments will be made to the employer monthly in arrears by the ATO.
How do I qualify for JobKeeper?
Eligible employers must pay eligible employees a minimum of $1,500 (before PAYG withholding) per fortnight (from 30 March 2020) in order to be eligible for the JobKeeper Payment. If the employee has not been paid this minimum amount a ‘top-up’ payment will be required to be made.
What if I earn more than JobKeeper?
If your eligible employees earn more than the JobKeeper amount per fortnight, you should continue to pay them their regular salary or wages. However, you will only receive the JobKeeper amount for each eligible employee.
Who pays super on JobKeeper?
The Government has said that ‘it will be up to the employer if they want to pay superannuation on any additional wage paid because of the JobKeeper Payment’. Using the example of Nick above, the employer will be required to pay the superannuation guarantee on the $1,000 per fortnight of wages he is earning.
What is the cut off date to apply for JobKeeper?
May 31The date for May 31 is the deadline for employers to enrol who want to claim for the JobKeeper fortnights in April and May. We have updated our information in our JobKeeper guides for Employers. The date for May 31 is the deadline for employers to enrol who want to claim for the JobKeeper fortnights in April and May.
Can I still apply for JobKeeper as a sole trader?
As a sole trader you could be eligible for either the JobKeeper or JobSeeker payment. Since 28 September 2020, the JobKeeper Payment has been extended, however, payments will be targeted to eligible sole traders that have been, and continue to be, most significantly impacted by the Coronavirus.
Can you still apply for JobKeeper payment?
If you’ve experienced a fall in turnover and you meet the eligibility criteria, you can still enrol for JobKeeper Payment. To apply you need to: enrol in the month you want to start claiming for.
Can you be fired while on JobKeeper?
Dismissal while under a JobKeeper enabling stand down direction. If a qualifying employer needs to dismiss an employee while a JobKeeper direction is in place, the usual rules about ending employment apply. This includes: … unfair dismissal.
How do I get paid by JobKeeper?
using your myGovID login go to the ATO business portal then:select ‘Step 3 – Business monthly declaration for JobKeeper payment’ from the COVID-19 page.provide your current and projected GST turnover.reconfirm your eligible employees.reconfirm your contact and bank details for receiving JobKeeper payments.
How often is JobKeeper paid to sole traders?
A sole trader can only receive one JobKeeper payment per fortnight as an eligible business participant, even if you operate more than one business as a sole trader.
Is JobKeeper tax free?
The JobKeeper Payment is a reimbursement scheme that will be paid by the ATO monthly in arrears. … You must pay a minimum of $1,500 per fortnight to your eligible employees, withholding income tax as appropriate. The $1,500 per fortnight per employee is a before tax amount.
What date is JobKeeper paid each month?
JobKeeper fortnight 1: March 30 – April 12; employees must be paid by May 8. Fortnight 2: April 13 – April 26; employees must be paid by May 8. Fortnight 3: April 27 – May 10; employees must be paid by May 10. Fortnight 4: May 11 – May 24; employees must be paid by May 24.
Is it too late to claim JobKeeper for April?
While you have until 31 May to enroll, the ATO encourages you to do so by the end of April to ensure you receive your JobKeeper payments as soon as possible. Note the tax office plans to pay employers one month in arrears.
Is it too late to claim JobKeeper?
It is not too late to register for JobKeeper, but it is too late to claim payments for those earlier months (April, May etc). You need to register in or prior to the month you are looking to start claiming in. For example, if you are looking to start claiming in July, you would need to registered in or prior to July.
Is JobKeeper taxable income for sole trader?
Tax-time reminder: Sole traders receiving JobKeeper and JobSeeker must declare payments as assessable income. … That’s because for sole traders, JobKeeper payments count as assessable income, which means they will have to declare the wage subsidy payments on their tax returns.

domain: finance


A few cycle issues crossed my radar over the course of the day, so I’ll bundle them up into a quick post.[tweet https://twitter.com/IBCycleWay/status/580863846862159872]
There’s lots of time for feedback on the Wellington City Council LTP (as well as others), and the cycling network is currently the most talked about idea on the LTP dashboard. It’s great to see so many comments coming through and we hope that it translates into results.
There were three ciclovia events in February and March around the Miramar Peninsula, up from a single outing in 2014. The long-term goal is to close the road to cars between Shelly Bay and Scorching Bay every Sunday and leave it free for people on foot, skates, scooters, bikes, etc.[tweet https://twitter.com/nmjyoung/status/580935668131504130]
Councillor Young has been tweeting a bunch about a lack of cycle parking areas around the central city, which is definitely true. Personally, I’d rather see work on protected cycle lanes and continue with improvisational parking, but we’ll certainly need both eventually.
As for the prototype in the tweet, I’m unconvinced. Trying to put a second bike on the opposite side would leave it hanging out into the road. In the Bond St example, it’s not a problem, but could cause trouble as a general solution. If we’re looking at single parks, it works well enough, but we should be looking at a range of parking densities. We should be able to fit around 10 bikes in the space of a single car park, so why not trade a few of our car parks for a few multi-bike parks?
I could easily see a bike park like this as part of a protected cycleway network.
Update 27/03/2015: In my haste last night, I forgot one of the more important bits. Wellington City Council has a news brief about the Bikes in Schools project. We’ve had a generation of paranoid parents taking their kids off the streets and driving them to school every day. Not only does this cause all sorts of extra congestion and safety concerns around schools, but it’s removed a portion of daily activity from children’s’ lives. A successful program to bring biking back to younger kids is worth celebrating.


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Minimum Experience is 1 Fix & Flip or own a rental in the last 2 years
One time Flat fee of $2,000 upfront, a total of 1/2 point of an origination
fee based on the value of the RELOC. The balance of the 1/2 point is paid
once you have close a loan using the RELOC. Industry Standard is 1 point.
Lower Interest rates - RELOC rates range from 8-11%.
Multiple deals at a time
NOT like a HELOC - Requires a propety purchase to use

domain: economics


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The smoking problem in America The smoking problem in America Smoking is a severe detriment to the heath of America. The main argument for being able to smoke is personal freedom. I have a variety of different feelings about this topic because I am coming from a different society, distinct from that of America.
E Cig Lab Report Toxic emissions score, adjusted for nicotine. Toxic cigarettes v. E-cigarette 1,4 50 0 0 NZ Holiday Extra-mild Marlboro Red Regular NZ Holiday regular Canadian regular brands Ruyan V8 ecigarette Background Electronic cigarettes, without tobacco, flame or smoke, claim to be cigarette substitutes and to deliver nicotine safely, without smoke toxicants.
Are these claims justified? Figure 2. Cartridge liquid: Nicotine mainly mimics two neurotransmitters called acetylcholine and dopamine. Acetylcholine Once nicotine enters the body and makes its way to the brain through the blood stream, one of the main areas that it can attach itself to is the receptor sites for acetylcholine.
Acetylcholine is a neurotransmitter responsible for a variety of bodily operations including breathing, heart rate, muscle movement and cognition. Nicotine increases the activity of these receptor sites, which is why many smokers feel an increase of energy or an increase in ability to concentrate directly after smoking a cigarette.
Dopamine Nicotine locks into dopamine receptor sites. Dopamine is the neurotransmitter most known for feeling pleasure. It is commonly referred to as the "reward pathway" of the brain.
Dopamine is designed to release a good feeling every time you do something that benefits the body such as eating or exercising. This reinforces the mind to want to repeat the action at a later time. The nicotine in tobacco products creates this same pleasurable feeling, reinforcing the need to continue smoking or using other tobacco products.
Endorphins are proteins that act as natural pain medicine for the body. The more nicotine that enters the Nicotine is an alkaloid poison found in tobacco leaves that defends the plant against insect attack. Nicotine affects the nervous system of insects and is sometimes an ingredient of insecticides.
When small doses of pure nicotine are given to Rats, the result is instant death. A cigarette contains an average of eight to nine milligrams of nicotine. However, some of this stays in the unsmoked remainder and some of it escapes into the air with the smoke. In fact, nicotine often causes a first-time smoker to feel dizzy and nauseous.
When tobacco smoke is held in the mouth, and not inhaled into the lungs, some nicotine is absorbed through the mucous membranes of the mouth and enters the bloodstream.
The blood carrying the nicotine flows to the heart and is then pumped to the brain.
Nicotine from chewing tobacco and snuff follows a similar route. However, when nicotine is drawn into the lungs, it passes more quickly into the bloodstream and on to the brain. Often less than ten seconds after a smoker inhales tobacco smoke, a tiny dose of nicotine arrives at his or her brain.
Once in the brain, molecules of nicotine that release of chemicals called neurotransmitters.
For example, the release of a neurotransmitter called Best of all electronic cigarettes are far healthier and have little or no health drawbacks. Smokers sicken or die from the other chemicals in the smoke not the nicotine T Powledge, Analysis of e-cigarette liquid shows to times less carcinogens than combusted tobacco and no tar or other substances that could accumulate in the lungs and impair function.
A far fewer array of toxins are in the nicotine liquid and those found were only trace amounts at the limits of detectability and well within safe limits. Recent research reveals there are two mechanisms in the physiological addiction to smoking: Nicotine, which binds to and activates neurotransmitter We argue that by delivering nicotine in way that resembles the visual spectacle and bodily pleasures of smoking, but without the harms of combustible tobacco, e-cigarettes highlight the complex status of nicotine as both a poison and remedy in contemporary public health and tobacco control.
The consequence of e-cigarette use on the health of the public is uncertain.Cause and Effect Smoking Essay. Professor: Hall- Crawford En Cause and Effect: Smoking Smoking is one of the main issues that mankind today is .
Aug 22, · Smoking tobacco causes cancer essay example.
The most widely spread cancer type that can be provoked by the tobacco smoking is a lung cancer. It is essential to know that the majority of cases of lung cancer death, nearly 90 % in men, and approximately 80 % in women are caused by tobacco smoking.
This Essay Tobacco Smoking; a World Health Issue and other 64,+ term papers, college essay examples and free essays are available now on monstermanfilm.com Autor: review • November 2, • Essay • Words (3 Pages) • Views.
Page 1 of 3. Tobacco smoking first started sometime in the s. It was invented by natives in the 4/4(1). Riley Joliet Matt Vallus Government Research Paper February 23, y Tobacco Industry Tobacco, a plant that is today looked at with a slight hint of disgust by most, has a long history in America.
The tobacco plant, native to north and south America (apart from a few obscure species originating in Australia), has existed as far back as 6, B.C. (Randall). This plant once played a large role in the culture of Native . Tobacco smoking is apparently "the most preventable cause of death in the United States," ("Smoking: Health Hazards," ).
The specific hazards of smoking include damage to the lungs, heart, and brain ("Smoking: Health Hazards," ). Stuck on your essay?
Browse essays about Cigarette Smoking and find inspiration. Learn by example and become a better writer with Kibin’s suite of essay help services. The Shocking Statistics of Tobacco Related Deaths and Complications in America. 1, words.
An Introduction to the Issue of Underage Smoking in the United States.

domain: medical


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This is pretty cool. A free wine tasting, and a conversation with an author who writes about beautiful wine countries. Win-win! Author, John Aceti will be in town for a book signing and wine tasting to celebrate his nonfiction photographic journey to the wineries of the Texas Hill Country. Aceti, who is from Niagara Falls […]
Whether you’re planning on selling your home or updating it, MAM can help you!
The Aquarium has acquired a 2 year old grey seal named Medusa! And she’s very special!!
Hey, Millennials! Welcome to Buffalo! And Buffalove. We can’t say that we’re surprised with this new survey by Realtor.Com that ranks Buffalo as a top home buying hot spot when it comes to millennials. Number seven in the nation! In the deep-dive big data search, the researchers looked at millennial’s views compared to other age groups in […]
Ann Edwards was a fixture in local news back in the 80’s and 90’s, we caught up with her to see how she’s doing – and what she misses most.
It’s a different kind of ‘take-out’.
Shark Girl is getting some spa time! Sort of.


Rating: NNNNNYou wouldn't know it to look at him, with his lime-green pants and trademark skinny moustache. But underneath John.
You wouldn’t know it to look at him, with his lime-green pants and trademark skinny moustache. But underneath John Waters’ flamboyant exterior beats the earnest heart of a businessperson.
He’s learned a lot about the filmmaking industry in 30 years of directing gross-out classics like Pink Flamingos and Polyester. Maybe too much.
While in town Monday to promote his latest trash opus, Cecil B. DeMented, Waters regales me with a long, detailed lecture on the behind-the-scenes process of putting a film together.
He likes being involved at every stage, from thinking up the first shocking idea (his favourite part, naturally) to suggesting a marketing campaign. Then he sits back and sorts through his reviews. “I read the mean ones once and the good ones twice and then put them all away.”
Even bad reviews serve a purpose in Waters’ world. “We got one for Cecil B. DeMented in the Washington Post that was so mean I put it in the ad,” he says with glee.
Unlike most creative types, Waters actually seems to enjoy dealing with the press. He admits to using interviews as “exercises in improv,” which means he gives charming quotes on all sorts of subjects, sometimes including the ones you’ve asked him about.
His love for the film business is so genuine that he can’t believe some critics think he hates Hollywood just because the character Cecil B. DeMented does.
For starters, Waters will only mock the things he likes. “If you make a 90-minute movie about something you hate, after 40 minutes I think the audience hates you.”
He also meant for Cecil’s guerrilla filmmaking tactics to look at least as ridiculous as Hollywood moviemaking. “In a way, I’m making fun of independent films more, because what do you have to do — kill yourself? Do I have to light myself on fire and jump in front of the camera to have edgy credentials?”
Waters says there’s a crucial difference between himself and his morose lead character. “Cecil’s parents didn’t love him and mine did,” he explains.”That’s why I have a sense of humour and he doesn’t.”
For the heck of it, I ask if he knows shock rocker Marilyn Manson, who also came from a surprisingly happy home.
Waters tells me the singer called him to his respects. “He said that when he was a child he used to play Charles Manson Goes To Mortville, which is from Desperate Living, one of my movies.” Waters was touched.
Despite this connection, Waters doesn’t think of himself as elder statesman to today’s crop of shock artists. He’s never met the Farrelly brothers and hasn’t seen their latest film, Me Myself & Irene. He did like Scary Movie, which he thinks is the best in “this new battle of filth that I watch with bemused dignity from the sidelines.”
Oddly enough, his favourite young directors are the dramatists Todd Solondz (Happiness) and Todd Haynes (Safe, Velvet Goldmine). These choices hint at a serious side — rarely seen in Waters’ films — that can be seen quite clearly in how he conducts his personal life.
When he’s not shooting a movie, Waters reads, collects art and goes to the cinema. He doesn’t think he’s ever had a conventional hobby, though. “A hobby to me is when you’re bored.”
He travels all over the world and knows a lot of “good, smart, funny people,” yet he’ll admit that much of his socializing is business-related.
When he’s home, he gets up early and works long days, but never weekends.
He’s dabbled in acting, most recently taking a small role in Woody Allen’s Sweet And Lowdown. He denies reports that Allen is a lackadaisical director. “It’s a lie, what they’re saying,” he insists. “He told Sean Penn what to do and he told me what to do, and we did it.”
Acting doesn’t really interest him, however. The only role he’s sought out is something in the next Chucky film. Anything.
He just loves Chucky. “When Chucky gets older I want to marry him,” he laughs.
Waters is so disciplined, he’s even managed to kick his last vice, cigarettes. Apparently, it’s been a long road to clean living. He says he stopped smoking pot right after Pink Flamingos became successful, but he’d never make an anti-drug ad because he had only good experiences with drugs.
He acknowledges that many of his friends weren’t so fortunate. “The same people I took LSD with later became junkies and OD’d.”
So how did he make it through his experimental years unscathed?
Waters says he told the only other journalist who asked that question that it’s because he got up early. Now he’d rather just chalk it up to luck.
CECIL B. DEMENTED, written and directed by John Waters, produced by John Fiedler, Joe Caracciolo Jr. and Mark Tarlov, with Stephen Dorff, Melanie Griffith, Alicia Witt and Adrian Grenier. An Artisan Entertainment and Le Studio Canal + production. 88 minutes. Opens Friday (August 18). For venues and times, see First-Run Movies, page 67.
CECIL B. DEMENTED Rating: NNN
Cecil B. DeMented as a whole isn’t as great as some of its parts. The jabs at Hollywood are hugely entertaining, but they’re mostly in the background as sight gags and one-liners. In the foreground we have the unfunny, uncharismatic Stephen Dorffplaying a guerrilla filmmaker who kidnaps a bitchy star (Melanie Griffith) and forces her to act in his anti-Hollywood movie. The supporting characters and action sequences feel laboured, but Griffith saves the day. She makes her character seem human, which is the best and most rebellious thing about this film. KL


Photograph by: Carol Stewart
Ronald McDonald House Charities of the Carolinas
hese are big shoes to fill. in 2011—more than 4,000 overnight stays.
A small staff—supplemented by many a Demand increases in tandem with the Upstate’s
big-hearted volunteer—operates Greenville’s growing reputation for exceptional pediatric care;
Ronald McDonald House. Here in “the house expansion plans are underway to add a dozen
that love built,” they’re carrying on a legacy of suites to the 10,000-square-foot House, which
hope, a lightening of the load when a parent’s heart currently comprises 12 bedrooms with private
is made heavy by fear, uncertainty or doubt. baths, a living room, dining room, playroom,
double kitchen and laundry facilities as well as an
More than temporary housing for families with outdoor patio and playground.
hospitalized children, Ronald McDonald House
is a refuge, a safe haven. “We are a home away Funding is provided by corporate, civic and
706 Grove Road, Greenville
864.235.0506 from home,” says Chief Development Officer Marti individual donations; McDonald’s owner/operators;
Spencer. “We help parents withstand the strain of and a variety of local fundraising events.
a child’s medical crisis.” “This is a place of hope,” Marti says.
The Grove Road facility hosted over 300 families
66 behind the counter | 2012


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Companies like IBM and Palo Alto Networks scramble to hire hundreds of thousands of corporate hackers to defend networks and data
ByKelsey Gee, The Wall Street Journal, May 9, 2019
As companies struggle to fill hundreds of thousands of open cybersecurity jobs around the U.S. they are casting a wider net to find and develop experts, pursuing workers without traditional four-year degrees or formal experience to help them protect computer networks and customer data.
Facing a shortage of skilled workers to defend against digital attackers, employers like International Business Machines Corp. andPalo Alto Networks Inc. PANW -5.12% are pouring millions of dollars into new partnerships with universities, training programs and cybersecurity competitions. The companies hope to attract talent with the right combination of attitude and know-how capable of testing and protecting troves of data stored on cloud systems and internet-connected devices.
Charles Henderson is head of IBM ’s IBM -0.09% offensive-security-services team—dubbed X-Force Red—charged with breaking into corporate customers’ latest smart watches and appliances, looking to spot potential vulnerabilities before the “bad guys” do, he says. Mr. Henderson estimates that his team of corporate hackers contains more music majors than graduates with cybersecurity degrees, given the dearth of collegiate programs that focus on the quickly evolving field.
IBM, which has 8,000 cybersecurity staffers, uses videogame-like simulations of computer networks containing valuable hidden data to recruit new hires. Mr. Henderson said he often looks for people who are passionate about strategy videogames like “Dune,” as they may be more inclined to spend hours in front of a computer looking to solve a puzzle.
“It’s really difficult to determine just by someone’s academic track record if they could be great at the kind of problem-solving we do, but it’s relatively easy in a simulation game,” he said. “If I’m hiring for an entry-level position on my team, what are they supposed to tell me? That they broke into some network and robbed a bank last week?”
There are roughly 300,000 open positions in cybersecurity, according to CyberSeek, a career website focused on the industry. Schools like the Rochester Institute of Technology and SUNY Polytechnic Institute have recently launched degree programs to try to meet those labor needs.
Despite the strong demand for cyber talent, it can be difficult to determine how to break into the industry.
Before Ashley Richardson found her current post in the San Francisco area, she was fielding customer complaints while working contract jobs in different call centers, and trying to figure out how to pair her interests with her goals. She loved tinkering with computers and exploring the internet as a child, and she dreamed of landing a position where she could help keep people safe.
Ms. Richardson made a spreadsheet to keep track of the skills that employers were seeking for information-security roles on job boards like Indeed. “If I saw the same skills or experience requirements twice in a row, I wrote it down,” she said, adding that she turned to YouTube and online forums to patch gaps in her understanding of computer systems.
Ms. Richardson, now 30 years old, landed a job as a security training engineer at Palo Alto Networks last year after attending a cybersecurity class the company offered for military veterans like her.
Catherine Norcom, a hardware hacker at IBM, learned about the Austin, Texas-based job at a cybersecurity conference in 2018. At the time, she was in the U.S. Air Force building prototypes of new tech tools for aircraft pilots. IBM solicited the best attempts by conference-goers to test out their strongest password against a program the company’s hacker team had designed to crack sophisticated word and phrase combinations.
“I thought, I’ve got awesome passwords,” she said. Ms. Norcom, 35, typed in one of her favorites and the machine cracked it in 43 seconds.
Even though she lost that first time, she peppered the person manning IBM’s booth with questions about the powerful yet simple-looking homemade computer’s assembly, impressing a group of security employees who were gathered around.
One told Ms. Norcom she would be a great addition at IBM, prompting her to ask: “Am I being interviewed? And why aren’t you guys wearing suits?”
She says he laughed and told her: “We’re the hackers. They don’t make us dress up.”


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While Michelle Obama is crusading against obesity whenever she’s not wolfing down 1,700-calorie burger-fries-and-shake combos, Democratic Sen. Kay Hagan sees a different problem for the nanny state to fix:
Despite the obesity epidemic, North Carolina Democratic Sen. Kay Hagan, Wisconsin Democratic Rep. Tammy Baldwin, and Academy Award-winning actress Geena Davis are pushing legislation to encourage the media to produce healthier images of women.
They say women and girls feel overly pressured to be thin.
I’m confused. Which is it?Read full article » No Comments »
Lawyers for John Edwards will be in a Greensboro court today to discuss scheduling and documents related to his federal indictment over alleged campaign finance violations related to money used to hide mistress Rielle Hunter from the public.
Read full article » No Comments »
This week my dad and I were stunned to see Kingman, Arizona resident Keith Carmickle nearly fall to his death while trying to catch a foul ball during Major League Baseball’s Home Run Derby. We couldn’t believe what we were seeing on our TV screen, considering the recent death of baseball fan Shannon Stone, who fell to his death while trying to catch a ball thrown to him by North Carolina native Josh Hamilton, who plays for the Texas Rangers.
Realizing that he nearly died, Carmickle has decided to do something positive with his fame — or infamy as some see it –following his appearance on “Good Morning America.” From AZcentral.com:
But the man who appeared Wednesday morning and the brother who saved him were different men than they were Monday night.
When Carmickle watched the tape of his near-fall, he was shaking his head and his eyes were wide.
He talked about getting caught up in the moment and using “bad judgment.” He said he knew he was lucky to be alive. He said he was blessed. He said he never doubted for a moment that his brother would hold on to him and pull him back.
“That’s a brother’s love,” Keith Carmickle said. And Kraig nodded.
On Wednesday afternoon, the Carmickle brothers were still in New York City, and they were tired.
They had their hotel, courtesy of the show, for one more night. And they had just posted their two home-run balls on eBay.
All the money, they said, will go to the Shannon Stone Memorial Fund for the family of the Texas man who was not as lucky as Carmickle.
“I’ve learned, yes,” Carmickle said Wednesday by telephone. “I’ve learned a lot.”
A very nice gesture.Read full article » No Comments »
He was Raleigh’s mayor in the late 90s and has been on the Wake County Board of Commissioners since 2006, currently serving as chairman. In a News & Observer story about former Republican U.S. Attorney George Holding throwing his hat in the ring for the 13th district seat in Congress, Republican Paul Coble says he’s seriously thinking of joining the race for the 13th district. Democrat Brad Miller is the incumbent. Coble also tells the News & Observer he will make a decision soon. If my math is correct, three Republicans have declared so far: Nathan Tabor, Vernon Robinson, and George Holding. This could be a fascinating Republican primary. The presumption is that Miller will run for re-election under the newly redrawn district lines, but no official word that I’m aware of.Read full article » No Comments »


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Loan Review Analyst Jobs
TD is a great organization powered by great people who want to make a difference every day. Our over 85,000 employees world-wide are a big part of what makes TD stand out from any other organization. Every day, we deliver legendary customer and client experiences to our approximately 19 million customers. We’re an award-winning organization that reinvests constantly to ensure future growth. We’re...
The Loan Review function provides an independent credit examination program to evaluate credit risk management processes and confirm loan portfolio quality. The department has explicit access to all credit records of the Bank and its affiliate banks. Because objectivity is essential to the credit examination function, the department does not develop and implement procedures (other than its own ope...
Chaston Associates is a 30 year old, well established consulting firm specializing in credit risk management. We are looking for an experienced commercial credit professional to join our team. Our company services more than 100 banks, credit unions and finance institutions with assets ranging from $50 million to more than $6 billion. We typically travel to client offices to assess commercial loan ...
The start date of this job is flexible and in order to find the best candidate the job may remain open much longer than the date mentioned on this posting….. or you may be asked to start sooner than the expected start date if you are able to do so !” URGENT: Please read the job description below. If this interests you, please send a MS-Word version copy of your updated resume (ASAP) along with yo...
TCF Bank Palos, IL
Senior Commercial Loan Review Analyst - Minneapolis/Chicago-00G0S Description TCF Bank currently has an opening for a Senior Commercial Loan Review Analyst in either Minneapolis or Chicago. The Senior Commercial Loan Review Analyst will manage credit review projects and oversees all credit review activities to provide TCF senior management and the board of directors with an independent evaluati...
Overview: The Loan Review function provides an independent credit examination program to evaluate credit risk management processes and confirm loan portfolio quality. The department has explicit access to all credit records of the Bank and its affiliate banks. Because objectivity is essential to the credit examination function, the department does not develop and implement procedures (other than ...
BMO Harris Bank Chicago, IL
Description Under the direction of Senior Manager, Loan Review, and in support of the Loan Review team, the Loan Review Analyst is responsible for obtaining and analyzing data on portfolio segments and performance; for producing periodic management reporting of the Loan Review activities, review findings, and risk profile trends; and for assisting in the development and production of new or enhan...
TCF Bank Minneapolis, MN, 55415
TCF Bank currently has an opening for a Senior Commercial Loan Review Analyst in either Minneapolis or Chicago. The Senior Commercial Loan Review Analyst will manage credit review projects and oversees all credit review activities to provide TCF senior management and the board of directors with an independent evaluation of credit risk. Will be responsible for the project planning, budgeting and s...
Old National Bank IN, IN
Old National Bank is looking for a Loan Review Analyst which is a risk management position that is responsible for performing the internal loan review function for the . The loan review function provides the bank/corporation with an independent assessment of asset quality and credit risk for all segments of the loan portfolio. Primary responsibilities are to: 1) Evaluate and monitor the credit qua...
Requirements: Education – BA or BS in Liberal Arts, Economics, Finance, Education or Business related, or comparable business experience. Skills- Strong written and oral communication skills; good organizational and analytical skills; interpersonal communications skills. PC literacy in spreadsheet, word processing and data base applications. Staff and project management. Valid State Driver’s L...
Texas Independent Bank Rocky Hill, CT, 06067
Basic Function : Participate and assist in the oversight of the activities conducted by TIBSCO Loan Review. Serve as Review Person-In charge for larger and more complex client engagements. Provide ongoing feedback and assist in the training and development of loan review staff, contract help, and credit analysts serving on rotational assignments with TIBSCO. Monitor adherence to the TIBSCO Loan Re...
Ally Overview Ally Financial Inc. is a leading automotive financial services company powered by a top direct banking franchise with the opportunity, experience and people to redefine the industry. Ally's automotive services business offers a full suite of financing products and services, including new and used vehicle inventory and consumer financing, leasing, inventory insurance, commercial loans...
POSITION SUMMARY: A terrific opportunity for a Loan Review Expert with leadership skills at a fast growing midwest regional bank. This individual is expected to be accomplished regarding commercial loan review and have the ability to work in a multi-faceted changing environment as well as have the ability to identify critical issues, interpret and resolve differences. Responsibilities include; to ...
BKD, LLP Saint Louis, MO, 63150
Take your career to the next level at a national CPA and advisory firm. At BKD, we offer the resources you need to go as far as your talent will take you. Build your skills focusing on specific industries and service areas while delivering unmatched client service to high-profile companies and organizations. Take a closer look at BKD, a stable, growing firm that offers you competitive compensation...
TD Bank John Roberts Rd - Bldg B, Maine
TD is a great organization powered by great people who want to make a difference every day. Our over 85,000 employees world-wide are a big part of what makes TD stand out from any other organization. Every day, we deliver legendary customer and client experiences to our approximately 19 million customers. We’re an award-winning organization that reinvests constantly to ensure future growth.We’re r...
Our client in the Chicago area is looking to fill a Corp Trust Review Analyst job. This candidate will assist Account Managers and Account Administrators with various administrative tasks relating to Structured Finance transactions. This is a contract position slated to last about two months. Compensation for this position is between $20-23 per hour depending on experience. Details of the Corp Tr...
Our client is currently seeking a Data Review Analyst This is a 6 month Contract position, with a possibility to extend Our client is currently one of the largest banks in the Northeast, with branches spanning from Chicago to Vermont. The bank is one of the leading provider of loans and mortgages to individuals and business in the markets they serve. With over 1,500 branches within their network...
Summary: Responsible for performing ongoing asset quality review function for all loan types. Other duties as assigned. Duties and Responsibilities: Employee is responsible for adherence to all compliance programs and the completion of all required and assigned training by established due dates. Employee is responsible for understanding their duties and responsibilities as it relates to the Ban...
LOAN ANALYST Job Summary: Guide loans from application through underwriting, fostering relationships with borrowers along the way as you work with them to make the process of borrowing smooth and simple. A successful candidate will be highly self-motivated, entrepreneurial, organized and passionate about growing a business as a team. Responsibilities: Meet and exceed your daily and monthly quo...
Looking for a QA Analyst with Shaw commercial lending application testing experience for a three month contract with possible extensions. Candidates will be able to work remotely from home Must Have Skills: • In depth functional experience of SHAW Commercial loan applications • Knowledge of the Software and Project Management life cycles within a formal methodology process • Experience with HP...
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Banking Career Tools
Loan Review Analyst
$27,040.00 - $70,000.00
Typical Salary for Loan Review Analyst
Source: Monster.com Careerbenchmarking Tool
Education / Training
Some College Coursework Completed
Some High School Coursework
Source: Monster.com Careerbenchmarking Tool
Loan Review Analyst
Maintains loan quality by evaluating loans; identifying risk.
Rate of Growth
Size of Industry in 2006:
Source: Bureau of Labor Statistics, May 2006
Rates loans by identify risk of borrowers' financial assets and income streams.
Identifies high-risk loans by describing deficiencies; returning loan for reconsideration and reprocessing.
Popular Loan Review Analyst Articles
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The investment industry has witnessed a huge amount of change over the past five years but five developments in particular stand out for their importance and influence, writes Dan Kemp
These five changes are set to reshape the investment landscape and provide a sense of perspective for all participants - not least financial advisers and their clients. Furthermore, when viewed at a deeper...
Putting the tech into protection
Square Mile’s series of informal interviews
Fallout from Haywood suspension
Launching later in 2019
£80bn funds under calculation


United Kingdom – The word ‘surfboard’ doesn’t automatically make you think of cars. And yet leading car manufacturer Jaguar Land Rover has created a custom line of surfboards made entirely from waste plastics.
All polyurethane used in the creation of early studio car models is repurposed and turned into surfboards under Jaguar’s ‘Waste to Wave’ project.
‘The polymer forms the “skeleton” of the vehicle models, which is normally destroyed once a car is launched, while the clay is recycled and reused on site,’ Jaguar explains.
The new surfboard concept is part of the company’s wider ‘second life’ strategy and supports its longer-term zero-waste objective. Last year, Jaguar reworked and reused approximately 18.5 tonnes of recycled clay as part of the design process, which would have otherwise been discarded.
‘Excess clay is bagged up and given to local universities for students to reuse,’ it adds. Jaguar hopes its efforts will help drive ‘a new culture’ in which waste material is recognised as a high-value commodity.
The surfboard was created in partnership with SkunkWorks Surf Co. and tested off the coast of Northern Ireland by England’s number one female surfer Lucy Campbell. She confirmed riding the high-quality boards at Whiterocks Beach was ‘awesome’.


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Mini Banana Caramel (Banana Bubs Mini)
$9.00 – $18.00
Another classic from Sweden, these mini caramels have the unique combination of smooth caramel flavour along with banana in a spongy marshmallow texture. Those Scandinavians know their candy!
Only logged in customers who have purchased this product may leave a review.

domain: food


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Argument: Civil couples meet greater legal complications than married gays
"Civil unions called second-class status." Sun Journal. February 17, 2008: "A commission established to study same-sex civil unions in New Jersey has found in its first report that civil unions create a 'second-class status' for gay couples, rather than giving them equality.[...] [the report] find[s] that gay couples in Massachusetts, the only state that now allows same-sex marriage, do not experience some of the legal complications that those in New Jersey do [where there are civil unions]."


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Final Test - Hard
|Name: _____________________________||Period: ___________________________|
This quiz consists of 5 short answer questions and 1 (of 3) essay topics.
Short Answer Questions
1. What is Bendicion Alvarado's coffin filled with, to keep her body from rotting?
2. What does Jose Ignacio Saenz de la Barra spend his money on?
3. Where does the General kidnap Leticia from?
4. From what are the lepers under the rose bushes dying?
5. What does the Easter edict proclaim?
Because the novel spans such a vast period of time, much changes in the course of its plot. As the nation moves forward in history, technology encroaches on the traditional ways of life. Discuss the integration and appearance of technology in the novel. Consider the General's fascination with the gadgets he gives to Manuela Sanchez or the television campaign Jose Ignacio Saenz de la Barra launches against the General. How does technology creep into the novel? What is the overall effect on the work as a whole? Be sure to provide specific evidence to support your argument.
Throughout the novel, General Saturno Santos is referred to as "the Indian." How does Garcia Marquez treat the indigenous culture and people of "the nation"? Why is Santos consistently referred to as the Indian? How does this character reflect on the indigenous people of "the nation"? Be sure to consider the colonial history of the nation and its effect on the people.
Throughout the novel, Garcia Marquez introduces subtle commentary on the U.S. presence in Latin America. Identify the moments in which Garcia Marquez introduces his critique and discuss how he integrates it into the text. What is his central message concerning U.S. intervention or interference in Latin American politics? Which characters or events most consistently bolster this critique? Be sure to bolster your argument with details from the novel.
This section contains 359 words
(approx. 2 pages at 300 words per page)

domain: library


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Effect of metal carbonates on succinate production by Actinobacillus succinogenes in batch fermentationAuthor(s): Apichai Sawisit, Supaluk Seesan, Sunthorn Kanchanatawee, Sirima Suvarnakuta Jantama, Kaemwich Jantama
In the present study, the effect of metal carbonates (CaCO3, MgCO3, MnCO3, Na2CO3 and K2CO3) on the growth and succinate production by Actinobacillus succinogenes 130ZT was examined in 100-mL anaerobic bottles using a glucose-based medium. Initial glucose concentrations and metal carbonate in the form of its chlorides, sulphates, and phosphate were studied. The strain initially produced 7.75 g/L of succinate with a yield of 68%from 15 g/L of glucose within 24 h. However, when process optimization was employed, 10.85 g/L of succinate was produced in the same medium supplemented with 60 mMMgCO3with a succinate yield of 85%. As a result, the titer and yield of succinate were increased by 40% and 31%, respectively. Based on this study, the supplementation of MgCO3 in the cultured mediumsuggests an effective strategy for improving the succinate production in A. succinogenes 130ZT.


The Rotronic Industrial Humidity and Temperature probes are built for demanding industrial environments and cover a wide temperature range of -100…200 °C / 0…100% RH. With an outstanding accuracy ± 0.8% RH ±0.1 °C. For calibration the probes can be replaced without almost any downtime. Together with a Rotronic HF5, PF4/5 transmitter or HP32 this probe is the first selection for a demanding industrial application.
HC2A-IC - Allround Industrial Humidity Probe
The HC2A-IC Industrial Probe is especially suitable for high temperatures up to 200 °C and demanding industrial environments. It measures Humidity and Temperature and can calculate the dew-/ frost point.


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Gorsedd - Coffee Table w/Marble Top - Marble & Antique White - 60"
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Elaborate old world designs are treated with a distinctly modern touch on the Gorsedd coffee table. This elegant wood table features a stunning scalloped marble table top and detailed table legs in a rich antique white finish. This unique rectangular table feature scalloped apron and carved floral motifs. With accent details such as shell and acanthus leaf scrolling and Queen Anne legs, the look of this beautiful occasional table is solidified.


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Earlier, we told you about the heroic deeds of Apple Store employees in Tokyo during the recent 8.9 magnitude earthquake and tsunami that took place in Japan on March 11, 2011.
To Our Team in Japan,
We have all been following the unfolding disaster in Japan. Our hearts go out to you and your families, as well as all of your countrymen who have been touched by this tragedy.
If you need time or resources to visit or care for your families, please see HR and we will help you. If you are aware of any supplies that are needed, please also tell HR and we will do what we can to arrange delivery.
Again, our hearts go out to you during this unimaginable crisis.
Please stay safe.
Steve and the entire Executive Team
Apple also set up a donation system that allows its iTunes customers to donate money to Red Cross.
Apple also announced that it will delay the launch of its latest tablet PC, iPad 2 in Japan.


text: Amazing luxury home in prime Green Hills location on a quiet street is waiting! With a delicate balance of contemporary craftsman style and sophisticated luxury, this 2012 build is not to be missed. There was no detail spared in the construction of this quality home. Open and flexible floor plan can fit your lifestyle with a 2356 sf unfinished walkout basement. The sparkling chef's kitchen has an oversized walk-in pantry, and the dining area features a built-in wet bar. The primary suite is what dreams are made of, with a spa-like bathroom, complete with huge soaker tub, marble shower and built-in makeup station. Outdoor living is an extension of the interior beauty, with an inviting walk-out patio, including a separate enclosed area with wood burning fireplace.


Actress Tiffany Haddish witnessed at the end of last year how another actress – of whom she does not want the name – snapped Beyoncé in the face.
The 38-year-old Haddish was just like Beyoncé at an after party after a Jay-Z concert, when the actress put her teeth into the singer.
“Beyoncé stormed away,” says Haddish, known from Girls Trip , to GQ . “She ran to Jay-Z and told him what had happened, a Beyoncé friend walked past and said,” Can you believe that bitch bitten Beyoncé? ”
Haddish met the singer a few times that evening and made it clear to her that she would like to teach the actress a lesson. “She said,” Tiffany, do not do that, she has drugs, she is not even drunk, she normally does not act like that. ”
A Beyoncé spokesperson can not confirm the story. “I can not respond to this, because I do not know anything about this.”


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The United States Mint will begin sales of the 2021 Happy Birthday Coin Set next Tuesday, January 5, 2021. The set, which includes the five circulating coins of the United States in Proof condition, will go on sale at Noon Eastern, 9:00 AM Pacific. This year, the price of the set is $25.00, up slightly from last year’s set.
The set comes in a folder that allows for you to write your own personalized birthday greeting and allows for the Obverse and Reverse of each coin to be seen in their encapsulations in the folder. The coins included in the set are as follows:
- Kennedy Half Dollar
- Tuskegee Airmen National Historic Site Quarter
- Roosevelt Dime
- Jefferson Nickel
- Lincoln Cent
As has been the case for previous Happy Birthday Coin Sets, there will be no mintage or production limit for it. Further, there is no household limit on the number of sets that can be purchased. Collectors will quickly recognized that this is one of two early Mint products that will contain the last of the America the Beautiful Quarters, honoring the Tuskegee Airmen National Historic Site.
For more details, including the ability to use the “Remind Me” feature to get notified when sales begin, follow this link to the product page on the Mint’s site.

domain: hobby


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Dhampur, UP- There was some brawl over application of colours of Holi. But how dare a woman beat a police official in Uniform? Some people think they are above the law as a result of 70 years of appeasement. Videographic footage must be used as evidence and such scoundrels put behind bars for life.
Holi, the vibrant “festival of colors,” throws India into a joyous spring celebration. People drench each other in colored powder, symbolizing love, unity, and good triumphing over evil. Holi’s roots lie in Hindu mythology, marking victory over a demon king and the playful love of goddess Radha and Lord Krishna. Celebrated on the full moon in March.
Meanwhile, a 25-second viral video showing a woman in a blue salwar beating a policeman by chappal and abusing him along with and a man in a grey shirt is shared claiming that the incident is related to recent Holi celebration. The policeman is trying to stop, and the public also trying to stop the grey-shirt man, but he is out of control and keeps on slapping the policeman continuously. The grey-shirt man is holding the collar of the policeman who is in his uniform. The video has been shared to claim that in Dhampur, Uttar Pradesh, a dispute took place as a few people applying color on them on festival eve, Holi.
What’s the truth?
We ran a search and found the actual full story about the incident from SSP Vaibhav Krishan. The actual full incident statement byte was posted on Ghaziabad Police official X handle where the SSP was telling that the incident took place in Loni, Ghaziabad, and that the video was taken when bank employee called the police because the guy and bank employee had an argument and later the argument got heated. Following the bank employee’s call to the police, PRV and the police arrived. The SSP claims that “the locals there have started fighting with the PRV personnel,” where a woman can also be seen. “A case was registered and two were arrested in this case. The other individuals in the video will all be taken into custody shortly”, he said.
#Ghaziabadpolice ~ सोशल मीडिया पर वायरल थाना लोनी बॉर्डर क्षेत्र की वीडियो जिसमे 'पुलिसकर्मी के साथ महिला/युवक द्वारा बदतमीजी/मारपीट' की जा रही है। उक्त सम्बन्ध में जानकारी देते हुए @SspGhaziabad की वीडियो बाईट। @dgpup @Uppolice @adgzonemeerut @igrangemeerut @upcoprahul pic.twitter.com/TTZ0xuOXxm
— POLICE COMMISSIONERATE GHAZIABAD (@ghaziabadpolice) August 27, 2018
Additionally, we also ran a reverse image search and found that the same news reported by Aaj Tak on August 29, 2018: A policeman in Ghaziabad was severely beaten by a woman and some onlookers. There were punches, kicks, slaps, and slipper thrown at the police officers. There is no way that the mob’s behavior can be justified.
The blue salwar woman beats a police constable in Ghaziabad with slippers after he slaps her brother, and the policeman is helpless even though he has a government-given gun. However, this incident is neither recent nor related to Holi celebration.
A woman and young man had a fight with a policeman over bank-related work, and this happened in 2018. This video is falsely inked to recent Holi celebration.