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354 auditor jobs found in Milton Keynes
auditor Milton Keynes
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Auditor - IT & Data Analytics | S2 | Internal Audit | Milton Keynes (Open)
Santander Milton Keynes, UK
WHAT YOU WILL BE DOING Join our community. As a member of the Internal Audit department, we want you to share our passion about adding value to our people, customers, communities and stakeholders, providing robust independent assurance and challenge on the effectiveness of processes and controls across the bank and having exposure to senior stakeholders across our global organisation. The difference you'll make. Performing assurance activities to assess the management and control of risk, ensuring that all work undertaken meets agreed timescales and complies with quality requirements. Managing relationships and influencing key stakeholders across the business and collaborating with other teams as required. Meeting tight deadlines whilst maintaining accuracy and attention to detail. Supporting the communication of difficult messages to different audiences by producing quality outputs that can be relied upon. What you'll bring. Good understanding of risks and...
Banco Santander Milton Keynes, UK
Auditor - IT & Data Analytics | S2 | Internal Audit | Milton Keynes (Open)Country: United Kingdom WHAT YOU WILL BE DOING Join our community. As a member of the Internal Audit department, we want you to share our passion about adding value to our people, customers, communities and stakeholders, providing robust independent assurance and challenge on the effectiveness of processes and controls across the bank and having exposure to senior stakeholders across our global organisation. The difference you'll make. Performing assurance activities to assess the management and control of risk, ensuring that all work undertaken meets agreed timescales and complies with quality requirements. Managing relationships and influencing key stakeholders across the business and collaborating with other teams as required. Meeting tight deadlines whilst maintaining accuracy and attention to detail. Supporting the communication of difficult messages to different audiences by producing...
Auditor - IT & Data Analytics | S2 | Internal Audit | Milton Keynes (Open)Country: United Kingdom WHAT YOU WILL BE DOING Join our community. As a member of the Internal Audit department, we want you to share our passion about adding value to our people, customers, communities and stakeholders, providing robust independent assurance and challenge on the effectiveness of processes and controls across the bank and having exposure to senior stakeholders across our global organisation. The difference you'll make. Performing assurance activities to assess the management and control of risk, ensuring that all work undertaken meets agreed timescales and complies with quality requirements. Managing relationships and influencing key stakeholders across the business and collaborating with other teams as required. Meeting tight deadlines whilst maintaining accuracy and attention to detail. Supporting the communication of difficult messages to...
System Specialist - It Cybersecurity Data Auditor
Infineum Oxford, UK
About us: We create a sustainable future through innovative chemistry. Infineum is a world leading formulator, manufacturer and marketer of petroleum additives for fuels and lubricants. Infineum additives are in 1 in 3 vehicles worldwide, and are designed to improve fuel efficiency, reduce emissions and enable cleaner transportations. With production facilities worldwide and regional business and technology center's in the UK, US, Singapore and China, there has never been a better time to start a career at Infineum. Infineum's successes are built on the exceptional talents of our bright and highly skilled colleagues. Infineum brings together individuals from different backgrounds, cultures, and thinking styles providing remarkably different talents, perspectives, life and career experiences. We recognize that a diverse talent base creates an environment rich with innovation. We're looking for motivated colleagues to join us where you can participate in...
Infineum Milton Hill, UK
Equiniti Reading, UK
Equiniti is a leading provider of technology and solutions for complex and regulated administration and payments. Our technology platforms are used by 70% of the FTSE 100, Government and other large corporates, particularly in banking, insurance and other financial services. Equiniti is a company that has been built with strong values at the very core of our offering. Dealing with some of the most successful companies and government agencies in the UK, excellence, integrity, professionalism, partnership, commercial and innovation are therefore at the heart of everything we do. We employ c.6000 people in the UK, India, Poland and the US. Role Overview: * The position offers flexibility to work from home three days per week. A requirement would be to work two days a week in London, Crawley, Reading or Worthing offices. * Equiniti Group Internal Audit is an independent, objective assurance and consulting activity designed to add value and improve Equiniti's operations. It...
IT AuditorCrone Corkill are now assisting a firm based in the City of London in the recruitment of an IT Auditor. As part of this position, you will be required to travel to client sites based in London, which you will be fully reimbursed for.Within this opportunity, you will be responsible for the external auditing of IT Infrastructures, Applications and Systems, managing IT Risks & Controls, performing IT Risk Assessments and IT Controls testing, as well as managing and creating reports to ensure high quality deliverables.My client are open on experience for this opportunity as they look to grow the team.Key Skills as an IT AuditorExternal auditing of IT Infrastructures, Systems and ApplicationsWorking in client facing positionsChecking the quality of audits being takenCreating audit reports of your findingsIT Risk AssessmentsIT Controls testingManaging time and budgetsStakeholder/partner managementUnderstanding of IT frameworks/policiesUnderstanding of Process...
Marsh McLennan London, UK
JOB DESCRIPTION Job Description For Posting MMC is seeking candidates for the position of Senior IT Auditor based in our London Tower Place office What can you expect? An opportunity to join the global Internal Audit practice for MMC, covering all four operating companies: Marsh, Mercer, Guy Carpenter and Oliver Wyman. This role is based in our London Tower Place location with travel to our other locations globally required - 25-40% travel, giving you exposure across the company. An opportunity for an ambitious, experienced auditor, offering variety and global reach as well as personal and career development. Part of a well established team of highly experienced colleagues Within your first 6 months you will be expected to have gained a comprehensive understanding of auditable entity's operations, processes, policies and procedures, industry standards, and business objectives (IT Audit: major systems) and apply that knowledge on engagements....
TSB Bank London, UK
Function: Internal Audit At TSB, we're all here to give money confidence to our customers and communities. Wherever you work in TSB, you can make a real difference to your career, our business, and the wider community". We're looking to recruit a passionate IT Auditor TSB's Internal Audit team has around 45 people based across London, Edinburgh and Barnwood. Our primary role is to help the board and executive management to protect TSB's assets, reputation and sustainability. We do this by assessing whether signification risks have been identified and reported, providing a view on the design and operation of key controls and challenging management to improve effectiveness governance, risk management and internal controls. Internal Audit plays an important role in TSB. We are the third line of defence providing independent assurance over the risks faced by the bank. Your role as an IT Auditor is to support the senior team members and the Head of Audit in...
WTW London, UK
London, GB January 24, 2023 Senior Auditor – Internal Audit – Technology, Operations & Transformation will report to the Manager- Internal Audit Technology, Operations & Transformation who is based in London and will be responsible for leading and undertaking audit assignments across WTW to evaluate the effectiveness of risk management, the design and operation of controls within Technology and Change. This includes leading and/or assisting in corporate investigations, integrated audits and special projects. This role is based out of the London office in a flexible hybrid working style, travel to other locations may be necessary but not regular. Responsible for: Development of an audit approach and testing strategy for assigned audits to ensure all key business risks and controls are evaluated; Coordination and participation in completing audit test procedures; Communicating regular audit findings/exceptions to line management; Responsibility for audit...
Gras Savoye London, UK
Senior Auditor – Internal Audit – Technology, Operations & Transformation will report to the Manager- Internal Audit Technology, Operations & Transformation who is based in London and will be responsible for leading and undertaking audit assignments across WTW to evaluate the effectiveness of risk management, the design and operation of controls within Technology and Change. This includes leading and/or assisting in corporate investigations, integrated audits and special projects. This role is based out of the London office in a flexible hybrid working style, travel to other locations may be necessary but not regular. Responsible for: Development of an audit approach and testing strategy for assigned audits to ensure all key business risks and controls are evaluated; Coordination and participation in completing audit test procedures; Communicating regular audit findings/exceptions to line management; Responsibility for audit completion and delivery of...
IT & Cyber Security Auditor
Bruin London, UK
Ref: 31046 Leading Global Investment Bank seeking a Cyber Security & IT Auditor to join their team in London Key Responsibilities • Participate in audit team assignments and special reviews (when required by regulators, business lines, or senior management) • Contribute to the planning and preparation of the assignment e.g. understanding the methodology, acquiring a deep knowledge of the activities to be covered, understanding the detailed technologies, gathering relevant key figures, etc. • Evaluate the overall setup and identify the main areas of risk (including a comprehensive assessment of the management actions). • Execute detailed investigations leveraging on a strong technical knowledge in various IT systems (Databases, Operating systems Linux/Windows, Cybersecurity/Network security, Virtualization, containerization, Cloud Computing and related risks) • Leverage on adequate programming languages and scripting to perform efficient investigations by automating...
Analyst, Senior IT Auditor
MUFG Bank London, UK
Do you want your voice heard and your actions to count? Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world. Across the globe, we're 180,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world. With a vision to be the world's most trusted financial group, it's part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career. Join MUFG, where being inspired is expected and making a meaningful impact is rewarded. MAIN PURPOSE OF THE ROLE An exciting new opportunity has emerged for a Senior IT Auditor to join our IT audit team within the EMEA...
Vodafone London, UK
Senior Internal Auditor - Technology, London Paddington We are seeking a Technology Internal Auditor who will be responsible for the timely execution of risk-based internal audits in accordance with the audit plan, as well as assisting with other audit matters and projects, within the technology area. Key accountabilities: Lead the scoping, planning, delivery and reporting of relevant and forward looking IT audits across all Operating Companies. Be the subject matter expert within the Technology domain in the areas of IT operations, IT service management, IT resilience, information security, etc.. Perform audits on topics such as 5G, Cloud, Internet-of-Things (IoT), Blockchain and other emerging technologies. Identify, develop, and document audit issues and recommendations using independent judgment concerning areas being reviewed Provide insightful results through audit reporting process. Incorporate the use of data analytics within the audit approach to...
Senior IT Auditor / IT Audit Manager
Copper.co London, UK
Copper is a digital asset technology company dedicated to helping institutional investors safely acquire, trade, and store crypto assets Built and led by Dmitry Tokarev, a software and financial engineering specialist, the firm provides a comprehensive suite of custody, trading and settlement solutions that reduce counterparty risk and bring greater capital and operational efficiency to digital asset markets. At the heart of Copper's offering is Multi-Party Computation (MPC) technology – the gold standard in secure custody. Copper's multi-award winning custody system is unique in that it can be connected to centralised exchanges, DeFi applications and even staking pools without the assets leaving the custody. Built on top of this state-of-the-art custody, ClearLoop is the first solution in the market that overcomes a growing industry challenge; counterparty risk with exchanges. This solution underpins a full prime services offering, connecting global exchanges and...
Ebury London, UK
Ebury is a hyper-growth FinTech firm, named in as one of the top FinTech's to work for by Glassdoor and AltFi. We offer a range of products including FX risk management, trade finance, currency accounts, international payments and API integration. Background To date, Ebury has been working directly with a selection of audit firms on a project by project basis. There is now a recognition, given the size, scale, and complexity of Ebury, of the need to build a dedicated audit function internally. As part of the department build up, coupled with the ongoing company focus on strengthening it's risk management framework and the implementation of a new Governance, Risk and Control tool there is a need to build a permanent, multi-skilled audit function with a focus on IT Risk. The department hired the first IT Audit Manager last year and established the IT audit universe and audit plan for . The focus of this role will be to work with key business stakeholders to assess and...
TSB Banking group London, UK
At TSB, we believe businesses need to reflect the communities they serve. This is why we have a long-term commitment to diversity and inclusion. It's important to us to make sure we bring the best talent to our business, regardless of characteristics such as race, gender, disability, sexual orientation or social background. Our focus on diversity and inclusion is a key part of how we support and develop the people who work here. It helps us build a stronger culture where no matter what background you come from you feel valued and confident in bringing your whole self to work. Job Role: IT Auditor Grade: D Function: Internal Audit Location: Edinburgh, Gloucester or London - Hybrd working/Flexible across our key sites Closing date: 6 February 3 At TSB, we're all here to give money confidence to our customers and communities. Wherever you work in TSB, you can make a real difference to your career, our business, and the wider community"....
Hays Senior Finance London, UK
Your new company Your new company is a leading name within the media and advertising sectors, with operations across the globe, working with clients in all sectors. They have a strong Audit presence, based out of their London head office - and are looking to increase the headcount to ensure strong governance is in place. Your new role In your new role as Senior IT Auditor, you will need to help plan, conduct fieldwork for and report on internal audit reviews of the applicable business units, with a clear focus on IT Audits as part of the wider audit plan across the European business functions. There is also going to be a need for you to review juniors' work where appropriate. For smaller entities, you will also look to conduct the close out meetings and draft the audit reports for manager's review. What you'll need to succeed CISA Qualification Ideally 3-5 years experience working in an IT Audit role, or a role which has IT Audit scope Exposure to Sox...
Berenberg London, UK
Anforderungen We are looking for a German Speaking IT Auditor to be based in our London office. Role Description: Plan & perform IT audits across the entire business covering: IT-related business processes, Applications, Infrastructure and Cyber Security You will be a part of an expanding IT audit team initially located in Hamburg Carry out review of organizational activities assigned following departmental standards, as well as the Standards for the Professional Practice of Internal Audit Following department and professional standards, plan, develop and execute corporate IT audit projects created to provide accurate assessment of operational performance and internal control processes Produce and review reports and audit work papers, ensuring effective documentation of results of reviews on assigned activities that have been made, as well as the recommended action that management should take, for easy follow up Identify potential IT risks and related...


Though Donald Trump has wondered aloud why most Jews voted for President Barack Obama – and why they are likely to cast ballots for presumed Democratic candidate Hillary Clinton – he is more "puzzled than furious," his executive vice president and chief legal officer said on Wednesday, in the immediate aftermath of the withdrawal from the GOP race of remaining rivals Ted Cruz and John Kasich.
Jason Greenblatt, an Orthodox Jewish real estate lawyer from Teaneck, New Jersey — who has been working for "The Donald" for the past two decades – made this comment during an hour-long interview with The Algemeiner at Trump Tower in midtown Manhattan.
Making it clear at the outset that the views he was expressing were his own and assessments of his employer's, Greenblatt – whom Trump "appointed" as his Israel adviser during a press conference last month with members of the Jewish media — gaveThe Algemeiner an overview of what the United States, American Jews and Israel can expect if his boss wins the White House in November.
The Algemeiner: Pro-Israel conservatives are worried that Trump's "America First" pronouncements indicate a tendency toward isolationism. Are they right to be concerned?
He needs to create more jobs here; he needs to secure our borders; he needs to prevent terrorism at home. But at the same time, though he views America's role in the world as a very important one, he does not want to shoulder the burden himself – meaning that the US has been paying for the defense of so many countries that are not supporting their share of the cost. So it's not as though he's saying he's going to put a wall around the whole country; he's just saying that others have to pay their share.
As for certain countries in the Middle East – other than Israel – his view is that the US needs to be there to some degree, to help keep the peace or help people, such as the Christians, who are being persecuted. But he's also saying that we, as America, cannot impose our will on other countries. We cannot say, "We are a democracy, and therefore you have to believe in democracy and be democratic countries." That doesn't work in his mind, and I think he's right.
Where Israel is concerned, I think he's been clear – in his AIPAC speech, his foreign policy speech and hiscomments to the Daily Mail this week [that Israel should keep building] settlements – that he views Israel as a very strategic ally to the United States. He views Israel as a beacon of light in the Middle East. He is a very, very strong supporter of Israel. And at the same time, he would love to see if he could negotiate a peace treaty between the Palestinians and the Israelis. He's very clear that it's probably the hardest deal ever to be negotiated, certainly in modern history.
At the same time, though he's very pro-Israel, he's not saying to the Palestinians, "You'll take whatever I give you." That's not his approach. In fact, he rejects the idea of imposing peace on the two sides. He wants to be a facilitator. He recognizes from more than 40 years in the business world that there is no good deal that gets done when one party is forced into something by the other party, or worse, when a third party — whether the United States, the United Nations, a group of countries together – forces sides to make peace in a way that doesn't work for them. Because they're going to have to live with one another. If it doesn't work for them, it's just going to unravel.
The Algemeiner: About brokering a deal: Trump has said that radical Islamists have to be defeated. Does he not see the Palestinians in that category — as part of an entity that has to be defeated, rather than treated to negotiations?
Greenblatt: My view – and I don't know if this is Trump's – is that I'm not sure if we can paint all the Palestinians with a broad brush of radical extremism. I'm speaking about the Palestinian Authority now, not [Hamas-controlled] Gaza. I believe that a certain percentage of the regular population in the Palestinian territories is radical. Is it 30%? 60%? 20%? I have no idea. But that's something we're going to dig into if Donald wins the White House.
However, I do believe that a certain number of them are tired of the constant tension between the two sides. I think many of them would jump at the chance to live in a peaceful, coexistent manner. But there's no question that the radicalism, the number of people who have been radicalized, has grown a lot.
The Algemeiner: And the leadership?
Greenblatt: Right, it comes from the top down. So, whether the people who aren't radicalized are too afraid to stand up, don't have an opportunity to stand up, or can't organize themselves to do so could be part of the problem. And I think what Trump will try to figure out is how to give those people a voice; how to convince the current leadership that it's in everybody's best interest to have peace, not just Israel's and the Palestinians', but the whole region's — ignoring the Sunni-Shiite problem, because that has nothing to do with Israel and the Palestinians.
If you had asked me this question before the Arab Spring started, I would have been a little less hopeful that anything could have happened. But what the Arab Spring shows me is that citizens can round up together and achieve something. And if we could get the non-radicalized Palestinians to recognize the importance of peace, and how everybody stands to benefit, I think we have a shot at it. Is it possible? Yes. Can it be done easily? No. Is Donald the right guy to do it? I can't think of a better guy who can sit at the table and try to bring everybody together.
The Algemeiner: As an Orthodox Jew, are you perhaps not sufficiently taking the religious aspect of the conflict into account? Business deals aside, if Islamists believe in Allah and interpret their faith and goals in a way that is antithetical to peace with Israel, how could Trump make a difference?
Greenblatt: A certain percentage of that population believes with religious fervor that this [war and conflict with Israel] is the way it has to be. A certain percentage of the population does not believe this. It's probably no different in Israel. There's a certain percentage of Israeli society that believes Israel should be everything, including parts of Jordan – though it's probably not a very high percentage.
The Algemeiner: …Are willing to overthrow their leaders?
Greenblatt: We're not calling for an overthrow of any leaders, because that would constitute imposing our will on somebody else. Our goal is not to foment a riot or the overthrow of a government or anything like that. Our goal is to see whether this leadership can recognize that a nice enough portion of its population is not radical and can co-exist. If, from the outset, we hear from the Palestinian side that there is no way it will allow a Jewish state to exist, and that it will continue its efforts at this until successful, our view is that in such a case, we're not going to do anything but side with Israel, and stand by it to make sure its security is guaranteed.
The Palestinians have to recognize Israel's right to exist as a Jewish state. They have to stop preaching hate. They have to start teaching the kids coexistence, not how to commit terror attacks.
The Algemeiner: You are a real estate lawyer, and someone who studied at a yeshiva in a West Bank settlement. In Israel, the Right says this conflict is not about real estate, and therefore land deals won't work. The Left says that peace could be achieved if Israel stopped building settlements and withdraws from more territory. What is your position?
Greenblatt: I don't think it's about settlements. Look at what happened in Gaza after the Israeli withdrawal. I think real estate is an aspect of a bigger picture. If we're able to get past square one – which is getting the Palestinians to fulfill the requirements stated above – we will need to figure out security and other issues, like sharing water. But even the Temple Mount has real estate types of issues surrounding it, such as access rights, what people can do when there, etc.
The Algemeiner: But the Temple Mount is also a religious issue, isn't it? Though it is the holiest site in Judaism and third in Islam, Jews are forbidden from praying there, and Palestinian leaders have been using accusations against Israel – saying it is trying to storm and destroy the Al-Aqsa Mosque — as a propaganda tool to inflame the current stabbing intifada.
Greenblatt: Yes, it drifts into propaganda. Israel is not trying to take over the Temple Mount. I believe firmly that Israel's not doing anything wrong. And that's why the whole issue of the security cameras [that Jordan intended to install there, but has postponed due to Palestinian complaints] is important, since installing them would allow all sides to have evidence of what is actually taking place there.
The Algemeiner: Many Trump supporters are controversial figures, such as white supremacist and antisemite David Duke. Others get rowdy at rallies and verbally violent on social media. The journalist, Julia Ioffe, who profiled Melania Trump in GQ magazine, said she received vitriolic antisemitic messages after the piece appeared. Antisemitism often accompanies mob behavior. Is this phenomenon causing Trump concern?
Greenblatt: First of all, in my opinion, the antisemitic messages sent to Julia Ioffe are outrageous and unacceptable, and I am confident that Melania Trump, who is an amazing and talented individual, would not condone that behavior in any respect. Secondly, it's interesting you should bring up the issue of mobs, particularly in light of what happened to Trump in California last week, where he was forced to jump a barricade to enter the venue of his speech, due to angry protesters. In other words, you have the same kind of thing happening on the other side, with radical groups who are anti-Trump behaving probably even worse than the people you're talking about who support him. In any election, you're going to have these deep passions on both sides. But I haven't heard any among the Jewish community expressing worry about that kind of mob. And you know what? I'm more worried about those people, because they're not willing to open their eyes and ears and see that there are two sides to this story. They are so violent and want so badly to impose their views and thoughts on everybody else. They're way too extreme.
Am I sitting here as a Jew worried about either side? No, I'm not. I think America is a safe and secure country for us, different from any other country the Jews have lived in in the past — other than Israel, of course. I feel blessed and fortunate to live in a country like this, where all people, not just Jews, are tolerated and productive members of society.
The Algemeiner: Trump said he would have brokered a better deal with Iran — a regime that calls for the death of America and Israel. Why has he not said he would have defeated Iran and then dictated terms of an agreement?
Greenblatt: I haven't discussed that with him, but I think he would say that if there's a deal to be negotiated that would allow the world – especially Israel — not to worry about Iran having nuclear weapons, then it's something to talk about. Whether or not we get along with the Iranians, whether or not we are worried about them on so many levels, if we can knock this one aspect off, it's worth talking about.
The Algemeiner: Couldn't one say that the way to "knock this aspect off" would be to destroy Iran's nuclear facilities?
Greenblatt: Only a deal that would ensure Iran no longer had the capacity to build nuclear weapons – and that guarantees our right to monitor it and make sure it wasn't cheating – would have made sense.
The Algemeiner: But what do you do when the entity with which you are making a deal doesn't honor it?
Greenblatt: If Trump had been in [President Barack] Obama's shoes, and were warned that the deal wouldn't be honored, he would have weighed not making it.
The Algemeiner: If he is elected, and the next day he is informed about Iran's violations of the nuclear deal and repeated aggression against America – such as today's threat to close the Strait of Hormuz to the US – what will he do?
Greenblatt: I know that he would take very quick and decisive action, but I don't know what that action would be. I don't think he will stand by and let America look weak – or convey to the rest of the world that we don't want to enforce agreements or that it's ok for others to violate them.
The Algemeiner: In 2010, then-Secretary of State Hillary Clinton spent 45 minutes berating Israeli Prime Minister Benjamin Netanyahu over the announcement — made during a visit to Jerusalem by Vice President Joe Biden — of the construction of 1,600 apartments in the Ramat Shlomo neighborhood of the capital. Trump recently said he canceled a trip to Israel when Netanyahu rejected his comments about the need to investigate and screen Muslims entering the US. If elected president, will Trump chide Israel when it engages in policies he opposes?
Greenblatt: No. Not in a million years. First of all, I don't know how Hillary had the nerve to berate Netanyahu that way. It's disrespectful. You don't talk to the leader of another country that way. You can air your differences, but you air them politely. Donald is not that kind of person.
Donald was justified in being a little upset about Netanyahu's comments, though I understand the position Netanyahu was in. Still, though he was entitled to feel that way about what Netanyahu said, he got over it and they talk. He views Israel as a strong ally and as a friend. He thinks Netanyahu is doing a great job, particularly under the circumstances. And I think they would continue to have productive dialogue.
I'm pretty sure we/Israel won't have anything to worry about with President Trump.
He actually cancelled a trip to Israel over such a minor disagreement? Oh, boy.
If elected, Trump will be Netanyahu's best friend …until the first real or imagined slight. From that point forward, Trump will engage in all-out warfare against "Baby" Netanyahu or "Nut"anyahu or some other juvenile insulting name.


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Fitting Islamic education in a changing world
Mustafa K Anuar
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If formal education is meant to impart knowledge to children in schools so that they can become moral, wise, responsible, productive and useful individuals, then the former Prime Minister Dr Mahathir Mohamad's recent lament about our national education system is a cause for concern.
Mahathir feels that there is an overemphasis on Islamic studies in the national education system at the expense of other subjects such as English, maths, engineering and science that he considers important for children's future employment, especially in a world where science and technology play an increasingly pivotal role.
That is why he rightly calls for a balance to be struck between the pursuit of religious knowledge, which he acknowledges is especially important to Malay-Muslims, and an academic base to prepare a child for her working life and to harness her full potential that would benefit society.
The decision of some Malay-Muslim parents to send their children to Chinese vernacular schools may be understood against this backdrop.
Mahathir, who is also a former education minister in the 1970s, is troubled by what he sees as religious education that has gone beyond its original objective of instilling basic Islam in its teachings and values.
That said, he should not be overly surprised by the drastic changes that have occurred, particularly regarding Islamic studies and even the fact that some national schools have taken on a Malay-Muslim character. Such transformation obviously did not happen recently: it had its genesis way back in the 1970s and continued in the 1980s, when Mahathir was Prime Minister, and beyond.
READ MORE: The Malaysia that was, is and can be - Young activists
The push for Islamisation in government institutions, including public schools, was facilitated by the increasing number of Malays in the civil service, especially after the implementation of the New Economic Policy, which rose from the ashes of the May 13 tragedy of 1969.
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Additionally, the Islamic resurgence that emerged in the late 1970s, which was partly spurred by the Iranian revolution of 1979, provided the catalyst for Malay government politicians and officials to press for public policy change that incorporated a further emphasis on Islamic teachings and practices. This also affected the national education system.
We should also factor in the ascendancy of Malay-Muslim identity politics in this phenomenal change of the country's political and educational landscape.
The zeal involved in Islamic education constituted part of the Mahathir administration's strategy in the 1980s to stave off challenges from its political foe, the Islamist party Pas, in the political game of burnishing their respective Islamic credentials.
In short, Islamic studies of the present variety has been influenced by certain political developments and entrenched over the years.
If a reformulation of Islamic studies in schools is to be exercised, noble values such as justice, trust, integrity, compassion and dignity – which the religion enjoins its followers to uphold – should be given well-deserved attention and emphasis in the curriculum.
This is especially so when, say, injustices overwhelm the lives of the vulnerable, when corruption becomes the norm so that even the religious look the other way, when reckless cutting down of forests is made out to be God's bounty for the taking, and when dignity is sold for a song in the relentless pursuit of power and wealth.
READ MORE: Malaysia, Haemorrhaging!
While emphasising the importance of such school subjects as maths, science and engineering, Mahathir frowns upon the arts subjects of history, literature and languages, which is unfortunate and myopic. These arts subjects provide students with crucial understanding and appreciation of various aspects of humanity and society and offer a vital moral compass.
History, for instance, not only tells us what happened in the past but also helps us to understand the present and anticipate the future. At the very least, history warns us that, to quote philosopher George Santayana, "Those who cannot remember the past are condemned to repeat it."
Looked upon, rather erroneously, by some as a subject of less "economic value", literature offers human stories that invite us to reflect on our lives and cultures and unite us across space and time. It also has had a major impact on the development of society and exposed injustice.
When complemented by these other subjects, an enlightened approach to Islamic studies may well be able to help develop well-rounded individuals out of our children in schools. – The Malaysian Insight
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redpajama_set_name: RedPajamaCommonCrawl


At first glance it may seem that this chopping board design is a little over kill but the massive funding it's received on Kickstarter shows just how much demand there is for a product like this.
The Bodoki is a reversible chopping board that allows the user to quickly switch between cutting different foods while avoiding the problem of cross contamination.
The idea is that one side is reserved for meat while the other is for vegetables. Once flipped juices run off the board and directly into the basin below.
The company behind the Bodoki were looking for an investment of $5,000 but have already quadrupled this with investment that currently sits at over $20,000.


Load up your AR-15 with this .223 Remington ammunition from Fiocchi and enjoy excellent accuracy and reliable performance at the range--all at a great price.
Each round in this case of 1,000 fires a 55 grain full metal jacket bullet at a muzzle velocity of 3,240 feet per second. This corresponds to the external ballistics of M193 ball in 5.56 NATO, making it easy to shoot both loads without adjusting your optics.
Fiocchi ammo is loaded in both the USA and Italy and uses non-corrosive Boxer primers and brass cases.


�Three Cups of Tea� co-author Greg Mortenson will speak at 7:30 p.m. March 3 at the University of Illinois Springfield�s Sangamon Auditorium. Mortenson is the co-founder of the Central Asia Institute�s Pennies for Peace program.
�Three Cups of Tea,� by Mortenson and David Oliver Relin, is said to be required reading for military commanders and special forces deploying to Afghanistan.
The book begins with Mortenson�s failed 1993 attempt to climb K2, one of the world�s most challenging mountains. Exhausted, he was separated from his group and found himself in a remote Pakistani village, where he was nursed back to health.
When he discovered the village kids couldn�t go to school because they couldn�t afford the dollar-a-day salary for a teacher, he promised to return and build a school. He did � and more than 100 others. Last year, President Barack Obama designated $100,000 of his Nobel Peace Prize award to be donated to Mortenson�s efforts in Afghanistan.
Tickets for the event cost $30 and are available at the Sangamon Auditorium ticket office, 206-6160.


I have read the Assignment Guide in the 'General assessment information' and have applied the word count principles to my work.
Your assignment should be loaded into KapLearn by 11.30 pm on the due date.
All times are based on AEDT/AEST time zones.
Refer to 'Time remaining' on the 'Assignment' page in KapLearn to ensure you submit your assignment by the specified due date and time.
? I have completed my assignment using Word.
? I have completed my assignment using Calibri, Arial, Times New Roman or Verdana fonts.
? I have added my Personal ID on this page.
? I have added my word count on this page.
? I have added my Personal ID in front of the filename in the footer on the second page.
? I have saved the file to be uploaded as PersonalID_FPC003_AS_v7.
? Each question of my assignment is within the word limit guidelines for that question as per the 'General assessment information' (Assessment ? Assignment ? General assessment information).
? My assignment file size is no larger than 2 MB.
? If tables were required, they are visible as text, not as links or images.
? I have not removed the marking grid from the footer.
? I have submitted my assignment as per the instructions in KapLearn.
The assignment for FPC003 consists of one (1) case study. You are to analyse the quantitative and qualitative information provided about clients Graham and Anna Sutton, and produce a statement of advice (SOA). The SOA must address the Suttons' goals and objectives and incorporate the responses to various questions they have posed to you as their adviser.
Refer to Topic 8 and the sample SOA for guidance on the structure and format of your SOA.
This assignment covers all topics and accounts for 50% of your final grade.
Read the following 'Instructions to students' carefully before commencing the assignment.
• Word document: Your assignment must be submitted as a Word document.
• Word limit: Your response to the assignment tasks should not exceed 7,000 words, excluding appendices. Marks will only be awarded for your assignment response up to the word limit, plus 10%. Any material written in excess of the limit will not be eligible for marks consideration, so it is important to be not only communicative but also concise and selective in the manner of your responses. For more information on word counts and their rationale, go to Assessment ? Assignment ? General assessment information.
• Appendices: Full workings must be shown for all calculations. The appendices section of the SOA should contain these calculations, including any supporting documentation, for example assumptions; tax, cash flow and any social security calculations; projections; charts; and referencing. Ensure that your appendices are correctly referenced in the body of the plan and labelled correctly. State all assumptions used in providing your answer.
• Disclosure and warnings: Disclosures and warnings are mandatory. Fee disclosures must be disclosed accurately in both percentage and dollar terms and comply with ASIC regulatory guidelines on disclosures. Refer to the format contained in the sample SOA.
• Quick Reference Guide (QRG): Rates or thresholds required to be used in any calculations should be based on the most current QRG found in KapLearn. Please make it clear within your assignment as to which rates and thresholds you are using.
• Use of software: You may use financial planning software to assist in modelling strategic options for the clients and for preparing the SOA, provided you personalise the content and ensure that it is clear, concise and effective and conforms to the structural guidelines for an SOA contained within Topic 8 and the sample SOA.
• Marks will be deducted if content provided, such as an adviser's name, practice name and licensee details, are not properly reflected in the SOA. Do not use your real name or your employer's name. For this case study, you are Jess Craig, senior financial planner and principal of All Out Financial Planning, a boutique financial planning practice licensed by ABC Financial Solutions Pty Ltd (AFSL 222222).
• Product disclosure statements: If you reference a PDS or other lengthy hard-copy product document in your SOA, you do not need to physically provide that document with your SOA.
• Authorisation: You are authorised to provide advice on all areas on which the clients have requested advice. Marks will be deducted if you purposely restrict your authorisation in response to an assignment task.
• Refer to the 'Criteria-based Marking Guide' for guidelines on what is expected for each task.
• The 'General assessment information' section in KapLearn contains information about format and presentation, word limits, citations and referencing, collusion, plagiarism and other policies, useful resources, submitting your assignment and accessing your results.
• Your own work and referencing: Answers are to be in your own words. Reference and cite all your sources (within the text of your answer) when quoting or using material from external sources. Include a reference list at the end of your assignment. Refer to the 'Referencing and Citations Guide' available from the 'Library Learning Hub' in KapLearn for further information on referencing.
• Indicative weightings are noted beside each question. Use these weightings to assist you with your allocation of time and resources. The weightings indicate the relative importance of each task.
• Requests for special consideration: Please do not apply for special consideration or information pertaining to special consideration by writing a request in the body of the assignment as it will not be considered by the assessor Refer to the 'Special consideration' section of the Assessment Policy on Kaplan's website for more information.
• Use the Discussion Forum in KapLearn to ask questions and share ideas.
Note: Marks will be awarded based on the areas on this grid.
The Criteria-based Marking Guide is designed to assist students to understand what is expected of them in each question and to let them know how their performance will be judged. It provides advice about the criteria used in the marking of the question and what discriminates between an excellent, satisfactory and unsatisfactory answer.
• any supporting material is essential to understanding the plan and referenced within the plan • SOA is reasonably well structured and would be useful to the client. Some aspects lacking clear communication.
• any supporting material is useful to understanding the plan and referenced within the plan • SOA is poorly structured and would be confusing to the client. Lacking in its communication of important issues.
• As defined by Environment Australia (2003).
• The Australian Securities and Investments Commission prepared the guidelines in 2002 (ASIC 2003).
• Derivative transactions are not well developed in China (Collier & Masters 2003).
Note, however, that if the authors' names are incorporated in the text, 'and' is used instead of '&': Collier and Masters (2003) state that derivative transactions are not well developed in China.
• Bonds with lower coupons have greater interest rate risk, as the value fluctuates more with interest rate changes (Ross et al. 2014, p. 167).
Note: The names of all the authors or authoring bodies should, however, be provided in the reference list.
• According to the Australian Master Tax Guide (2004, p. 1116) a 'project amount' consists of two types of expenditure.
Note: Personal communications are only cited within the text — they are not listed in the reference list.
'After its initial heyday some 30 years ago, Monte Carlo simulation lost favour due to the high cost of computing power and the added difficulty of producing meaningful probability distributions for the individual project parameters' (Rudenno 1998, p. 125).
Australian Securities and Investments Commission (ASIC) 2011, Report REP 230 'Financial literacy and behavioural change', ASIC, 15 March, viewed 13 January 2018, http://asic.gov.au/regulatory-resources/find-a-document/reports/rep-230-financial-literacy-and-behavioural-change .
Bruhn, A & Miller, M 2014, 'Lessons about best interests duty', Australasian Accounting, Business and Finance Journal, vol. 8, no. 4, pp. 23–44, viewed 13 January 2018, http://ro.uow.edu.au/aabfj/vol8/iss4/3 .
National Bureau of Economic Research, September.
viewed 13 January 2018, http://www.youtube.com/watch?v=-lL5qj_h1RE .
Koller, T, Goedhart, M & Wessels, D 2010, Valuation: measuring and managing the value of companies, 5th edn, John Wiley & Sons, New York.
MacMillan, D 2008, 'Issue: retiring employees, lost knowledge', BloombergBusinessweek, 20 August, viewed 13 January 2018, http://www.businessweek.com/stories/2008-08-20/issue-retiring-employees-lost-knowledgebusinessweek-business-news-stock-market-and-financial-advice .
Metals Australia 2014, Drill program to commence at Mile 72 Uranium, Namibia, ASX announcement, Metals Australia Ltd, 2 May, viewed 13 January 2018, http://www.asx.com.au/asxpdf/20140502/pdf/42pd9q44d86cm0.pdf .
Molineaux, J 2013, 'Enabling organizational cultural change using systematic strategic human resource management: a longitudinal case study', The International Journal of Human Resource Management, vol. 24, no. 8, pp. 1588–1612, viewed 13 January 2018, EBSCO Business Source Corporate Plus database.
Muellbauer, J 2012, 'When is a housing market overheated enough to threaten stability', Proceedings of the Property Markets and Financial Stability Conference, Reserve Bank of Australia and the Bank for International Settlements, Sydney, 20–21 August, pp. 73–103, viewed 13 January 2018, http://www.rba.gov.au/publications/confs/2012/index.html .
Rosenzweig, P 2013, 'What makes strategic decisions different?' Harvard Business Review, vol. 91, no. 11, November, pp. 88–93.
Rudenno, V 2012, 'Resource project considerations', The mining valuation handbook: mining and energy valuation for investors and management, 4th edn, John Wiley & Sons, Milton, Qld, pp. 67–96.
Thompson, J & Howman-Giles, L 2014, 'Quantification of loss and damages in commercial disputes', paper presented at the Business Valuation and Forensic Accounting Conference, Sydney, 29 October.
Corporations Amendment (Simple Corporate Bonds and Other Measures) Bill (No. 1) 2013 (Cth).
You are Jess Craig, senior financial planner and principal of All Out Financial Planning, a boutique financial planning practice licensed by ABC Financial Solutions Pty Ltd (AFSL 222222).
• bank statement of loans and savings.
The clients have requested that you prepare a statement of advice (SOA) which addresses their goals and objectives and each of the questions they have raised as outlined in the following 'Scope of advice'.
They have confirmed that the following information collected through a comprehensive fact find is accurate and still relevant.
Graham Current position as a senior mining engineer at BlueScope Steel, Wollongong, NSW, finishing in two weeks time.
Commences new position as site engineer at Pilbara Port Corporation, WA in two months time.
Graham and Anna have been married for over 25 years. Graham has always been the main income earner as Anna willingly left her secretarial job many years ago to be the primary carer for their children.
Graham has been working as an engineer at BlueScope Steel for the last 26 years and has recently been offered a voluntary redundancy as part of a major restructure. His total redundancy benefit will be $175,000 after tax.
Fortunately, he was offered an ongoing contract as site engineer for Pilbara Port Corporation in Western Australia, with the same total package that he is on now ($195,000 plus superannuation of 9.5%), which he has accepted. The family will soon move to Perth and Graham will start his new role in about two months time.
Anna is looking forward to returning to the workforce and has found a part-time role in Perth as personal assistant to the training and development manager at All Brains Inc. She confirmed she will start her new job in about three months time and will earn $52,000 p.a. plus superannuation of 9.5%.
Graham and Anna plan to rent initially, at an estimated cost of $650 per week. They have approached an agent to purchase a property in Perth as they would prefer to own a property rather than rent.
Graham will fly-in fly-out (FIFO) to the Pilbara region. He is required to work for 10 days and then have six days off. The company will bear all his flying and living expenses in the Pilbara region.
The family home in Wollongong will be rented out at an expected gross rental of $600 per week.
Following the completion of a comprehensive risk tolerance questionnaire and subsequent discussions with you, Graham and Anna have agreed with your conclusion that Graham is a 'growth' profile investor and Anna a 'balanced' profile investor.
** Rental income of 4 × properties including Wollongong home.
^ Interest income from online savings account.
## 5% income excluding fully franked credits.
Graham has advised that the after-tax $175,000 redundancy payment will be added to the joint online savings account as above when he finishes.
Graham's superannuation is with the BlueScope Steel Employer Fund. Its current value is $370,000 (tax free component is $22,000 and taxed component is $348,000).
Anna has a smaller superannuation balance of $43,000 in CareSuper Industry Fund — conservative balanced option (all taxed component). These benefits were rolled over to CareSuper when she gave up work. She has not made any further contributions.
• Wollongong family home: $310,000.
Graham has read many books on building wealth through property investments and has attended a few investment seminars which have recommended negative gearing into property. He was told his property investments could double in 10–15 years, but he is very concerned now that both his Gold Coast units are valued below their purchase price. He is uncertain about what to do with these properties, though he finds that overall, after negative gearing is calculated, he gets a tax advantage.
Graham said he is interested in exploring the establishment of a self-managed superannuation fund (SMSF) as he has read you can borrow through an SMSF to buy property.
Graham and Anna have clearly said that although they will require a review of their life insurance requirements, they do not want you to address this area in your SOA. They want you to address this separately at a later time.
However, they do want you to address some preliminary questions they have relating to the ownership and workings of life insurance policies.
Their respective superannuation statements show that Graham and Anna have basic life and total and permanent disability (TPD) cover. They have said they both hold other life insurance policies outside of the policies in their superannuation funds.
Both Graham and Anna have simple wills which were drawn up when they bought the family home in Wollongong 15 years ago. In it, they leave everything in individual names to each other. They do not have powers of attorney, nor have they completed beneficiary nomination elections with their respective superannuation funds.
Graham plans to work for at least nine years and hopefully build enough wealth to retire at the end of that time. Anna plans to retire at the same time as Graham.
When they retire they have estimated, given no debt, they will need $65,000 per year in today's dollars, excluding major holidays, which they plan to take every second year at a cost of $15,000 in today's dollars. Their wish at this stage is to retire in Wollongong or near the south coast of New South Wales.
Graham and Anna also mentioned that Anna's mother, Marie Francis, age 78, who is living in their granny flat (non homeowner) in Wollongong has, as a result of illness, been recently assessed by an aged care team who has granted approval for her to move into an aged care facility.
Marie's only investment is $380,000 in cash and term deposits with her bank. She receives a part age pension. Graham, Anna and Marie have selected a church-operated facility in Wollongong which Marie feels comfortable with. It has a published price for a refundable accommodation deposit of $240,000 (which she will pay in full upon entry using her cash/term deposit funds). They believe that she can live comfortably on an income of $22,000 per year.
Anna's sister, who lives near Wollongong, will be able to provide support while Graham and Anna move to Perth.
1. Examine the clients' stated goals and objectives for each of the following questions and issues they have raised and, after analysis, consider appropriate responses.
The questions and issues raised by the clients are important in the development of appropriate strategies you believe the clients should be considering. Those questions to which the clients require a specific response should be addressed in your SOA. All goals, issues and directions raised by the clients form the agreed scope of your advice to the Suttons.
2. Complete an SOA that incorporates, in a coordinated and communicative way, the strategies the clients should be adopting and suitable responses to each of the questions the clients want you to address. Your SOA should also conform to the content and structure of an SOA and its component parts as described in Topic 8 and the sample SOA.
The following questions and issues raised by Graham and Anna are designed as prompts to help you consider the key issues. A number of assumptions are required to be determined. These assumptions should be incorporated into your responses and the SOA.
• When they retire when Graham reaches age 62, they have estimated they will require $65,000 per year in today's dollars, excluding the cost of holidays every second year estimated at $15,000. They want your advice as to whether this is realistic and achievable, and what strategies they should be undertaking now to achieve this important financial goal, and why.
They have noticed that their superannuation funds offer retirement income streams in the form of account-based pensions. They would like to know how they work and whether they are something to consider in retirement.
• Should they be looking to establish an SMSF and what are the pros and cons of doing so? How could an SMSF assist them in accumulating wealth for their retirement, particularly if they wanted to purchase more property? What can an SMSF do that their current funds cannot?
• What is your view of them continuing to invest in residential property, coupled with negative gearing, to build wealth for retirement? Additionally, what options should they be considering with their residential investment properties given their poor performance?
What are the pros and cons of purchasing a Perth property to live in compared to renting? Do you have a view as to what they should do?
Graham has heard that there would be no capital gains tax if he rents his family home for a short period and he would like you to explain the current rules about this.
• Graham and Anna have never heard of superannuation beneficiary nominations and have not nominated any beneficiaries to their superannuation. What are they and what should they do about them, if anything?
• Graham has requested you to advise him on a suitable superannuation fund which can accept his rollover benefits, employer and voluntary contributions. He also wants to know what he should do with his redundancy package.
• Anna wishes to build her superannuation for retirement after hearing about the importance of saving for retirement on the local radio. When she starts her new job, she would like to invest more in superannuation and would like you to advise her on how much she should contribute. Should she continue to use CareSuper as her principal superannuation fund?
• In regard to Graham's and Anna's life insurance arrangements, although they wish to address precise strategies in this area separately, as they have policies both inside and outside superannuation, what are the issues they need to be aware of with each option? Is it more advantageous to incorporate all the policies they need through their superannuation funds?
• Graham and Anna also want your advice on aged care and Marie's cash flow when she moves to the aged care facility. They would like to know how the fee would be calculated, the implications for her age pension and how she should fund the refundable accommodation deposit. They also want to know approximately how much age pension Marie will get once she enters the facility.
Note: You are required to address all the questions and issues described above. Clarity and conciseness in the articulation of your responses are important, with any explanations required to be sufficient for the clients to understand. Marks are awarded for assignment research and referencing.
You are required to research beyond the subject notes in answering the questions in this assignment. Reference and cite all your sources when quoting or using material from external sources. Include a reference list at the end of your assignment.
• adhere to the assignment word limit.


Color scheme scripts located in ~/.vim/colors on UNIX, ~\vimfiles\colors on Windows.
The directories listed above are Vim's defaults but you're free to change the 'runtimepath' and reloading will still work.
Please note that the vim-reload plug-in requires my vim-misc plug-in which is separately distributed.
Unzip the most recent ZIP archives of the vim-reload and vim-misc plug-ins inside your Vim profile directory (usually this is ~/.vim on UNIX and %USERPROFILE%\vimfiles on Windows), restart Vim and execute the command :helptags ~/.vim/doc (use :helptags ~\vimfiles\doc instead on Windows).
If you prefer you can also use Pathogen, Vundle or a similar tool to install & update the vim-reload and vim-misc plug-ins using a local clone of the git repository.
Now try it out: Edit any Vim script that's already loaded (you can check using the :scriptnames command) and confirm that the script is reloaded when you save it (the reload.vim plug-in will print a message to confirm when a script is reloaded).
Out of the box the reload.vim plug-in is configured to automatically reload all Vim scripts that it knows how to. If you like it this way then you don't need to configure anything! However if you don't like the automatic reloading then you can use the option below.
This disables automatic reloading which means you'll have to reload scripts using the command discussed below.
If after executing this command you see Vim errors such as "Function already exists" (E122) or "Command already exists" (E174) then you'll need to change your Vim script(s) slightly to enable reloading, see below.
# Use a bang in command and function definitions!
:autocmd TabEnter * echomsg "Entered tab page"
:  autocmd! TabEnter * echomsg "Entered tab page"
If you have questions, bug reports, suggestions, etc. the author can be contacted at peter@peterodding.com. The latest version is available at http://peterodding.com/code/vim/reload/ and http://github.com/xolox/vim-reload. If you like the plug-in please vote for it on Vim Online.
© 2013 Peter Odding <peter@peterodding.com>.
Last updated Mon Aug 19 21:09:52 UTC 2013.


The prices are comparable to Thai restaurants in Calgary, but the portions are twice the size. We had an appetizer sampler, with chicken satay, chicken patties, and spring rolls. For dinner, we had pad Thai, spinach with chicken and peanut sauce, and red curry.
WPC, Wood Plastic Deck, WPC Decking manufacturer / supplier in China, offering European Standard Wood Plastic Composite Decking, WPC Co-Extruded Decking with Protection Shield, High Strength WPC Decking with Online Embossing and so on.
europe standard price wpc decking - alibaba.com. Alibaba.com offers 41 europe standard price wpc decking products. About 85% of these are engineered flooring, 7% are plastic flooring, and 2% are wood flooring.
Front Street Bistro - This place looks small from the road, where they have a deck set up for outdoor dining, but it is large on the inside. We were treated to a private booth which featured its own controls for music volume and dimming the lights, and a curtain which we did not use.
european standard anti-slip anti corrosion low price high european standard anti-slip anti corrosion low price high quality wpc decking outdoor deck wpc,, Engineered Flooring, Jiangsu, China (Mainland), FOREST.
Unlike the standard Police Patrol car, the Enforcers have bulletproof windshields which means you can't shake it off by shooting the driver (like you can with a regular Police Patrol car. They will also start to chase you in the NOOSE Patriot Police Vehicle.


text:
A Year Later, Hurricane Victims Remain Homeless The Atlantic hurricane season begins today -- even as tens of thousands of people remain homeless after last year's hurricanes. Repairs have been slow going, and rental housing is scarce. Many hurricane victims are still living in more than 10,000 temporary trailers set up by the Federal Emergency Management Agency.
A Year Later, Hurricane Victims Remain Homeless
June 1, 200512:00 AM ET
Debbie Elliott
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The Atlantic hurricane season begins today — even as tens of thousands of people remain homeless after last year's hurricanes. Repairs have been slow going, and rental housing is scarce. Many hurricane victims are still living in more than 10,000 temporary trailers set up by the Federal Emergency Management Agency.
STEVE INSKEEP, host:
Today Florida Governor Jeb Bush signed legislation intended to prepare for the hurricane season, which officially starts today. The start of that season finds tens of thousands of people still homeless after last year's hurricanes. Repairs have been slow going and rental housing scarce. Many victims are still living in 10,000 temporary trailers set up by the Federal Emergency Management Agency. NPR's Debbie Elliott reports.
DEBBIE ELLIOTT reporting:
Scattered throughout Pensacola, Florida, there are little villages of white FEMA trailers, in the parking lot of an old home supply store, near the Navy base and planted in an open swamp area on the west side of town.
(Soundbite of dishes being washed)
ELLIOTT: Inside one of the trailers, Kimberly Shoemaker is doing her dishes by hand. But you won't hear her complaining about not having a dishwasher.
Ms. KIMBERLY SHOEMAKER (Hurricane Victim): Once you've stayed in an RV for six months, this is like the place.
ELLIOTT: The Shoemakers are new here. Until about a month ago, the family of six, with four children ages two to eight, were staying in an even smaller travel trailer while they waited for repairs on the four-bedroom house they rented. Then they learned their landlord was selling the house. Shoemaker says she panicked when she couldn't find anywhere else to move, and then called FEMA for help.
Ms. SHOEMAKER: I mean, it would have been either this or a shelter.
ELLIOTT: But even finding shelter space in Pensacola is tough. Relief agencies report record calls for help, but must turn people away because bed space is full. One shelter is sleeping some people on the pews in its chapel.
Pastor LON ROBERTS (President, EscaRosa Coalition on the Homeless): The face of homelessness has changed greatly.
ELLIOTT: Pastor Lon Roberts is president of the EscaRosa Coalition on the Homeless. He says the region has seen a 38 percent increase in its homeless population since Ivan.
Pastor ROBERTS: We still have people who are executives. We have teachers. We have nurses. We have firemen and policemen who are living in FEMA trailers or doubled up with other family members.
ELLIOTT: There are stories of families who spend their days in the park and nights in the car. One woman stayed in her hurricane-damaged home with only blue tarps for walls. At night, possums and raccoons would wander into her house.
The situation has also taken a toll on people's health. Doctors report having to remove mold from people's noses and ears because they stayed in water-damaged homes. And then there's the stress of living with friends or relatives, or being cramped into tiny living quarters for eight months, like Christy, who lives in a Fleetwood travel trailer with her husband and three girls in Orange Beach, Alabama.
(Soundbite of children playing)
CHRISTY (Hurricane Victim): It's been a real headache.
ELLIOTT: She trips over a tiny pink shoe. She tries to clear a space on the table for her oldest daughter's lessons. Christy has been home-schooling the sixth-grader after she had problems keeping up with assignments.
CHRISTY: They didn't seem to understand that, you know, we're in a mobile home. We can't--we don't have the room to make these big old projects or stuff like that.
ELLIOTT: The family's mobile home was destroyed by a falling tree in hurricane Ivan, and the city wouldn't let them replace it because of new zoning ordinances.
CHRISTY: We went in front of the board. They told us we had to build or get out of Orange Beach.
ELLIOTT: Building a home here was too expensive, so they're trying to build one in northwest Florida. In the meantime, they're staying in the FEMA travel trailer and depending on the community for help. Christy says it's been a big adjustment for a family that used to donate to the needy.
CHRISTY: I have never had to go ask anybody for anything until I had to go to the church, and then I felt funny about doing it. But you've got to have what you've got to have to survive. So, you know, you just let your ego go.
ELLIOTT: Other families find themselves in the same predicament. At Orange Beach Elementary School, the number of students receiving a free or reduced-price breakfast and lunch increased by a third after Ivan. School counselor Fran Drake says the community has started a program to send home backpacks of food so children won't be hungry over the weekend.
Ms. FRAN DRAKE (School Counselor, Orange Beach Elementary School): We include a Friday night meal. It might be a little can of SpaghettiOs and a healthy snack, maybe some raisins for dessert, and then a juice box.
ELLIOTT: Drake says she knows the food is appreciated by the thank yous she hears on Mondays, especially for the Slim Jims.
Debbie Elliott, NPR News.
Copyright © 2005 NPR. All rights reserved. Visit our website terms of use and permissions pages at www.npr.org for further information.
NPR transcripts are created on a rush deadline by Verb8tm, Inc., an NPR contractor, and produced using a proprietary transcription process developed with NPR. This text may not be in its final form and may be updated or revised in the future. Accuracy and availability may vary. The authoritative record of NPR's programming is the audio record.


text:
Mexico's Growing Auto Industry, Good or Bad for the USA Big Three?
Standing in front of the assembly line in Volkswagen's massive campus in Puebla, Mexico, 35-year-old line boss Milton Araujo, looked at the shiny new Volkswagen...
Vallarta Daily NewsBusiness and Economy
Mexico Sea Turtle Conservation Volunteer
Mexico is the Latin American heartland that epitomizes the best of Latin fiesta spirit and an endless fascination of the legacy of the Mayan civilization....
Mexico Creates Southern Border Envoy
The Mexican government has appointed a czar to oversee the mounting Central American immigration crisis that has taken over both Mexico and the United States,...
Vallarta Daily NewsMexico News
Puerto Vallarta's Convention and Visitors Bureau Shakes Things Up
The entity will be headed by Executive Director Miguel Andres Hernandez, who served as President of the Puerto Vallarta's Hotel Association Tourism Board from 2010...
New Infiniti Compact Produced in Mexico
An Infiniti compact sedan will be the first vehicle produced at Daimler and Renault-Nissan's new plant in Aguascalientes, Mexico. The car will be built there...
Mexico Mayan Site Gets Double Heritage Status
The southern Mexico Mayan ruins of Calakmul have become the country's first site to receive the "mixed" World Heritage designation from the United Nations. The...
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Sub-specialty from Paris 13, Sorbonne universities.
Thoracic surgery at Rafik Hariri University Hospital, Beirut.
Hospital & American University Hospital (MGH/AUH).
2008-2009 Fourth year Resident, Division of General surgery. (MGH/AUH).
2007-2008 Third year Residency, Division of General surgery (MGH/AUH).
2006- 2007 Second year Residency, Department of Surgery (MGH/AUH).
2005-2006 First year Residency, Department of Surgery (MGH/AUH).
2004 -2005 Internship in the division of General Surgery Division at Al-Zahraa University Hospital, BEIRUT.
2003 Diploma of Specialist M.D.
Odessa State Medical University, Ukraine.
HBP cancers Hopital Paul Brousse, Villejuif, France.
2011 Advanced trauma life support from the American college of surgeons.
2010 Diploma of specialist in General Surgery, AUB/MGH.
2007 Arab Board testing certificate part I.
2004 Colloquium, Lebanese Ministry of Health.
2004 Certificate of Fire and Evacuation, Civil Defense.
2003 Diploma of Medical Doctor, Odessa,Ukraine.
2012 Juin Journees du Centre Hepato-Biliare Paul Brousse, CAP 15 Paris.
2012 Jan 42 journees de chirurgie digestive de l' hopital Saint-Antoine, Paris.
What's new for the year 2010, Movenpick Beirut.
2010 March The Lebanese Endoscopic Surgery, CME 20 Credits.
South Mediterranean, MANOSMED, Syria, Tartous.
2009 April 42nd Middle East Medical Assembly, AUH.
The Lebanese course on revascularization.
2009 March certificate of attendance the update on best clinical practice of wound healing instructed by ACS, MBC & LSPRAS.
2008 Nov Certificate of attendance of the 11th Annual Lebanese congress of Surgery, LSGS.
2008 Nov Certificate of participation in the symposium on bariatric surgery Lebanese Society for General Surgery.
2008 March/ April Certificate of participation in the National vaccination campaign for Measles and Rubella, Lebanese Ministry of health.
2007 (Dec) Societe Libanaise de Neurochirurgie, Certificate of attendance Annual Meeting of Neurosurgery.
2006 (May) Committee of the order of physicians of Lebanon certificate of attendance on "Allergy in Lebanon" at Dr. Mohamed Khalid social Foundations.
2006 (March) Committee of the order of physicians of Lebanon, certificate of attendance on "Strabismus" at Dr Mohamed Khalid social Foundations.
2005 (Oct) The European School of Oncology Certificate of attendance, Conference of Breast Cancer & Course of special issues in young women.
2005 (Sep) American College of Surgeons, Division of education, Certificate, participation in the educational activity titled XI Clinical Congress of the American College of Surgeons.
2005 (June) Societe Libanaise de Chirugie Generale, certificate of participation, 2eme Congres de Chirurgie de la Francophonie 9eme Congres Chirurgical Libanais du Printemps.
2005 (Jan) Beirut General Hospital, Certificate of participation in Macro-Vascular Complications of Diabetes Mellitus.
2004 (Sep) The VII Makassed Congress General Surgery, Certificate of attendance.
2004(June) Societe Libanaise de Chirugie Generale, certificate of participation, 8eme Congres Chirurgical Libanais du Printemps.
Case reports at AUBMC (Torsion of a huge accessory spleen, jejunal intussusception).
Neuro-endocrine tumors, Paul Brousse Experience.
Effect of portal hypertension in post operative liver failure in Paul Brousse, Paris, France.
Case reports at CHB, Paul Brousse (pancreatic mets from RCC, Splenic artery variation).
Case reports at RHUH, Aneurismal bone cyst resembling kidney tumor.
Termos S, JBR-BTR. 2011 Mar-Apr;94(2):98.
Isolated splenic metastasis from colorectal cancer.
Termos S, Int J Clin Oncol. 2011 Aug;16(4):306-13. Epub 2011 Jan 22. Review.
Gazzetta Medica Italiana – Archivio per le Scienze Mediche (Submitted).
Poster presentation in the next ESPN congress 2012.
between 2003-2006″ In the department of surgery, MGH.
2005 "Principles of Medical Laboratory" Thesis mentor.
2004 "Liver Cirrhosis" Thesis mentor.
Fluent in Arabic, English & Russian.
Intermediate in French (certificate B2) & German (certificate A2).


text:
Slash sugar, fat and calories and you'll win with consumers: European bakery leaders weigh in
By Gill Hyslop contact
22-Dec-2020 - Last updated on 22-Dec-2020 at 11:21 GMT
European bakery businesses see the reduction of sugar, fat and calorie content as the leading drivers of growth next year. Pic: GettyImages/studartbur
Related tags: Tate & lyle, Mintel, Health and wellness, sugar reduction, calorie reduction, Fat reduction, European union, free from, Trends, Bakery industry
Sweet treats with a reduced sugar, fat and calorie content will be the top drivers of business growth going forward, aligned with the heightened consumer interest in their wellbeing, according to research by Tate & Lyle that includes exclusive commentary from Mintel.
The global ingredients provider said recent research found 73% of European bakery manufacturers placed the reduction of sugar, fat and calories at the forefront of business growth next year.
The European Bakery Industry Report – which is free to access – also revealed that 54% of industry professionals see the 'free from' niche buoying the market next year, while 48% believe an improved product-consumption experience will be the biggest influencer among shoppers.
According to Katya Witham, global food and drink analyst at Mintel, the pandemic has, without a doubt, created huge challenges for the bakery sector – but it has also been a catalyst for huge opportunities.
"These are both immediate with many businesses thriving from agilely adapting to new consumer needs and in the long-term as the crisis will leave a number of lasting legacies," said Witham.
The leading drivers of growth
Tate & Lyle's survey – conducted among senior bakery professionals across Europe – revealed that calorie reduction will be the leading criteria of better-for-you innovation prioritised by 74% of businesses next year.
However, 71% of respondents say they will be placing sugar reduction at the forefront, while 54% cite fat reduction as the factor that increasingly health-motivated consumers will seek out first.
However, it's not only about reduction, as more than half of the respondents believe consumers are also more likely to choose products that offer additional nutritional benefits, such as added protein and fibre.
More than two fifths say a substantial proportion of consumers are willing to pay more for healthier snacks, while 34% content consumers are increasingly looking beyond the labels on products for details of nutritional contents.
"More and more people are looking for ways to stay healthy and improve their wellbeing, a trend that has been building for a while and continues to grow," said Olivier Kutz, category development manager, Tate & Lyle
"Paying more for products with enriched nutritional benefits has accelerated, as consumers gain interest in, and understanding of, exactly what is in the products they buy.
At home baking
"A heightened awareness of healthier diets and the long-term health implications of the Covid-19 pandemic has also meant people spending more time at home and taking up baking as a hobby are wanting to use healthier products where possible," added Kutz.
Following the pandemic's outbreak, the majority of bakers saw a fall in demand for products across the convenience retail (40%), wholesale (42%) and fresh bakery (53%) channels, with much larger reductions in the travel (79%) and out-of-home (89%) channels. The grocery retail was the only channel where businesses saw an overall increase in demand, with half (50%) saying demand has grown.
As expected, cost optimisation across the supply chain and managing cash flow, cited by 46% and 45% of businesses respectively, have been the top strategies of those looking to counter the impact of Covid-19.
However, 37% say they are now concentrating on new product development to support business recovery, with another 36% prioritising product reformulations in line with current trends to drive consumer demand.
"As with many sectors, bakery has found itself heavily impacted by the rapid onset of the Covid-19 pandemic," added Will Ballantyne, technical manager, Bakery, Tate & Lyle Europe.
"But we see a positive picture here with the industry adapting and adjusting to remain profitable and boost sales. It's encouraging to see bakery businesses working hard to understand consumer demand and putting steps in place to ensure future growth and resilience."
The European Bakery Industry Report was commissioned by Tate & Lyle to capture the current challenges and opportunities seen across the bakery industry, alongside the long-term market trends.
The proprietary research was conducted among 400 senior bakery professionals (middle-management and above) in production, sales, R&D, HR and marketing in the UK, Germany, France and Spain in July 2020 by a full service, end-to-end B2B research agency.
Copyright - Unless otherwise stated all contents of this web site are © 2021 - William Reed Business Media Ltd - All Rights Reserved - Full details for the use of materials on this site can be found in the Terms & Conditions
Related topics: Cakes & Pastries, Retail & Shopper Insights, Manufacturers, Gluten-free & Allergens, Health
Survey reveals what bakers expect to be the lead sellers in 2021
£500m at risk if promotion ban on HFSS bakery and snacks goes ahead


Call of Duty Black Ops Zombies v1.0.8 is one of the best app that I had used on my Android device. I have still got Call of Duty Black Ops Zombies v1.0.8 installed on my Tab. Great performance! This app has got a no. of downloads in total. This download rate can make you all understand how popular this is.


text:
All quotes by: Angelina Jolie
I didn't really want to live, so anything that was an investment in time made me angry… but also I just felt sad. When the hopelessness is hurting you, it's the fixtures and fittings that finish you off.
She would have thrived as a grandmother. I know how much she would have contributed to their lives, and I am sad they will miss out on that.
I loved being Maleficent. I was quite sad to put my staff down and put my horns away because somehow, she just lives in a different world.
It is really funny when people say you'd be obvious for a great villain.
Our diversity is our strength. What a dull and pointless life it would be if everyone was the same.
If anything, I get most upset because I wanna read a good paper first thing in the morning. And if I see a lie about myself flash across the front of the cover, I don't think much of the rest of the newspaper.
Breast cancer alone kills some 458,000 people each year, according to the World Health Organization, mainly in low- and middle-income countries. It has got to be a priority to ensure that more women can access gene testing and lifesaving preventive treatment, whatever their means and background, wherever they live.
Sometimes I think my husband is so amazing that I don't know why he's with me. I don't know whether I'm good enough. But if I make him happy, then I'm everything I want to be.
If there is even one woman out there who went and got checked and found that she had cancer or she was positive and she caught something in time, and if in any small way I was a part of that, it makes me very emotional.
Sexism is part of every industry and must be addressed. But I try not to focus on the negative but the positive side of what we can bring.
To be in any way a positive contribution, that's all anybody wants to be. It's all I've ever wanted to be. I wanted to be an artist, be a mother. You want to feel that in your life you've been of use, in whatever way that comes out.
To be intimate with a married man, when my own father cheated on my mother, is not something I could forgive. I could not look at myself in the morning if I did that. I wouldn't be attracted to a man who would cheat on his wife.


Understand the core coding competencies that dictate accurate coding.
Level: This session is intended for intermediate-level coders who have been coding in home health for at least 1 year, and are planning to sit for their HCS-D credential while onsite or who became credentialed in the past year.
Learn how to sequence the most common home health diagnoses in ICD-10, including the new FY2019 code and guideline changes.
Coding conventions and guidelines: Delve into the assumptions that can and cannot be made in ICD-10.
Fractures, including traumatic and pathological fractures.
Wounds, including pressure ulcers, infected and non-healing surgical wounds, stasis ulcers and trauma wounds.
Diabetes: Learn how to choose the right code from among five code categories and review the differences in coding diabetic manifestations in ICD-10. Get a rundown of the hundreds of new diabetic ophthalmic manifestation codes.
Cardiopulmonary, including hypertension, heart failure, and COPD versus asthma with COPD exacerbation versus emphysema.
CVA & late effects: Learn how to apply the 7th character to indicate sequela, as well as how to code dominant vs. non-dominant.
Neoplasms & anemia, including surgical aftercare for neoplasms, and the key changes in coding anemia associated with malignancy, and anemia resulting from chemotherapy, immunotherapy and radiation therapy.
GI/GU, including how to report kidney disease (CKD), colitis and obstructions.
Poisoning and adverse effects: Learn how to report these diagnoses in ICD-10 when you will no longer be required to use the external cause codes (V00-Y99).
The speakers vast knowledge and experience is evident—great tips and information."
Expand your experience and receive continuing education at your expert level. During this advanced code training, you'll work through practice scenarios to learn how to properly sequence a variety of the most challenging home health situations, including those with multiple complications, fractures and varied wound situations, including ostomies and trauma wounds.
You'll work at a quick pace through complicated and uncommon disease scenarios, including those with multiple co-morbidities. Bonus: Work through actual patient cases and learn how to accurately and efficiently find the focus of care and what other conditions may need to be coded.
Learn how to properly answer the new OASIS-D items while reinforcing your core OASIS competencies without sacrificing productivity.
Learn the specific OASIS-D items and guidance that are new, including Section GG (functional abilities and goals) and 4 new items (GG0100 prior functioning, GG0110 prior devise use, GG0130 self care, and GG0170 mobility, Section J (health conditions) including J1800 and J1900 (falls).
Get details on items that have been removed from OASIS-D, including M0903, M1011, M1017, M1025, M1034, M1036, M1200-M1240, M1300-M1302, M2250 and more! Learn how to capture these conditions now that they are no longer on the assessment form.
Avoid CMS surveyor scrutiny with best practices for answering the OASIS SOC/ROC in timely fashion. Learn how to answer M0102 (Date of physician-ordered SOC) and M0104 (Date of referral) in challenging situations.
Correctly apply OASIS conventions to item-specific scenarios, while also learning how to apply OASIS-specific definitions for terms such as intractable pain, active treatment, care episode, same day, minimal assistance, and more.
Master the complicated wound items, including how to report pressure ulcers, stasis ulcers, surgical wounds and trauma wounds, and how to report their healing status.
Ensure accuracy in the reporting of neuro/emotional/behavioral items (M1700 - M1745) to ensure appropriate POC development and risk adjustment of outcomes.
Work through the ADL items (M1800 - M1860) to ensure you're accurately reporting the patient's functional status, or you risk case-mix points and inaccurate outcome scores.
Walk away with best practices to ensure your documentation matches the OASIS, which matches the plan of care.
*Attendees can only sit for one of these exams onsite.


He's going strong elsewhere, spinning retro soul, jazz funk and funk anthems combined with current grooves of soulful house and nu-disco re-edits.
Initially he started playing soul and jazz funk in the late 1970's when he was in the Worthing and Brighton area, spinning US imports that filled the dance floors with soul boys and gals. He later moved to London where he hit the student scene through "soul society gigs" at universities during the early 1980's.
Later he picked up residencies in north London, notably in Muswell Hill at the Swiss Chalet, Enigma, Manhattans as well as the crazy West Hampstead venue O'Henrys bar. His career in the 1990's saw him DJ at prestigious venues throughout London including Shaftesburys and Stringfellows and he promoted many glamorous parties for the capital city's "it crowd".
Tim playing the Club Tent at Summer Soulstice 2016. Photo by Paul Welch © Summer Soulstice Ltd.
We still like to remind him of his heroics at Summer Soulstice in 2010 when the CDJ's unexpectedly broke down in the Club Tent and the man from Soulmix let the rest of the 'vinyl-less' DJ's playing there that day, borrow his 12's… Tim Soulmix, a top banana.


text:
Николаевка — село в Шарлыкском районе Оренбургской области в составе Новомусинского сельсовета.

География
Находится на расстоянии примерно 21 километр на запад по прямой от районного центра села  Шарлык.

История
Село образовано в 1830 году несколькими семьями переселенцев из Рязанской губернии. Названо по имени руководителя первопоселенцев. Впоследствии в село приехали еще семьи из Тамбовской губернии, а также несколько семей с Украины.

Население
Население составляло 279 человек в 2002 году (русские 90%),  179 по переписи 2010 года.

Примечания

Населённые пункты Шарлыкского района

redpajama_set_name: RedPajamaWikipedia