Imagine you have a good, well-paying job and your employer is extremely supportive, but for some reason – you're just not getting along with your co-workers.
Many people find themselves in this situation and fixing it can be tricky. It's not like you're in a toxic work environment and need to get out as soon as possible. You simply need to figure out how you can have a more pleasant day at work.
The important thing is not to write the situation off. Research shows that job satisfaction is tightly linked to relationships with co-workers. Therefore, it's important that you make a strong effort to connect with your colleagues when you start to feel like an outsider. Consider the following tips.
The first step in addressing the situation is getting to the root of the problem, and that includes analyzing your own role. Have you genuinely been trying to get to know people? Have you been polite and giving of your attention? Have you gone to happy hours or team events outside of work?
If you haven't been the best colleague, do something about it. If, on the other hand, you've done your bit to be a good co-worker and have no problem maintaining friendships outside of work, then you need to start thinking about addressing your work environment.
We've all fallen into the trap of trying to be someone else in order to gain the approval of others. While there's nothing wrong with being open to other ways of thinking, your best bet for truly connecting with other people is to simply be yourself.
At work, you can productively channel your inner passions and bond with others in the process. For instance, if you're passionate about helping those who are less fortunate, look into volunteer efforts your company puts on and get involved in those initiatives.
Sometimes, you take a look at a person, make a snap judgment they are different from you and decide you're not going to spend time getting to know. If you can get over these snap judgments, you might find out you have a lot in common with most people; you simply have to invest some time in locating those common bonds.
The workplace is a stressful place and feeling like an outsider can make for an even more stressful situation. However, getting down on yourself or giving up only makes things worse. If you truly enjoy the job and your employer, you need to keep your chin up, keep calm and carry on trying to connect with your co-workers.
At ZDA, we support our contract workers all the way through their assignment. If one of our workers is less than happy about their work environment, we work with them to make it a better one. Contact our supply chain recruiters today to learn more about the support and opportunities we can provide to you.


text:
Клан Фрейзер — (шотл. — Clan Fraser) — один из равнинных кланов Шотландии (Лоуленда). Следует различать клан Фрейзер и клан Фрейзер из Ловата — это отдельные кланы, хоть и родственные. Оба клана имеют собственных вождей, признанных Постоянным Советом вождей шотландских кланов.

 Лозунг клана: «Вся моя надежда на Бога»
 Символ клана: дерево Тис.

История клана Фрейзер

Происхождение клана Фрейзер
Считается, что клан Фрейзер происходит из Франции, из провинции Анжу. Есть легенда, что Фрейзер (Фразер) — это племя, которое жило в древней Галлии. Символом этого племени была земляника. Первые люди из клана Фрейзер появились в Шотландии в 1160 году, когда Саймон Фрайзер (Симон Фразер) (шотл. — Simon Fraser) поселился в землях Кейт (шотл. — Keith), что в Восточном Лотиане.

XIV век — война за независимость Шотландии
Прошло пять поколений после первого Саймона Фрейзера, когда другой Саймон Фрейзер поддержал короля Роберта Брюса в его борьбе за независимость Шотландии. Он попал в плен к англичанам и был казнен в Лондоне по приказу английского короля Эдуарда I Длинноногого в сентябре 1306 года. Двоюродный брат Саймона Фрейзера, Александр Фрейзер из Коуи (ум. 1332), был камергером шотландского короля Роберта Брюса. Он женился на сестре Роберта Брюса — Мэри Брюс (ок. 1282—1323). Младшим братом Александра Фрейзера был сэр Саймон Фрейзер. От него происходят вожди клана Фрейзер из Ловата. Одним из его внуков был Александр Фрейзер из Коуи и Дурриса. Он приобрел замок Кэрнбалг (шотл. — Cairnbulg Castle) и земли Филорт (шотл. — Philorth) вследствие брака с Джоан, младшей дочерью графа Росса в 1375 году.

Ветвь Фрейзер из Филорта
В 1592 году сэр Александр Фрейзер из Филорта получил титул, устав и права от короля Шотландии Якова VI Стюарта в рыбацком поселке Файхли (шотл. — Faithlie), который позже превратился в город Фрейзербург (шотл. — Fraserburgh). Сэр Александр Фрейзер получил права основать университет в городе, но эта идея так и не была воплощена по причине религиозных конфликтов того времени.

8-й лорд Филорт построил замок Фрейзербург, что позже был превращен в маяк Киннайрд. Замки Филортов позднее были выкуплены 19-м лордом Салтоном.

Лорды Салтон
9-й лорд Филорт вступил в брак с наследницей лордов Салтон из Абернети. Их сын Александр Фрейзер, стал 11-м лордом Солтауном. Он был тяжело ранен в битве при Вустере (шотл. — Worcester) в 1651 году. Его спас слуга — Джеймс Кардно (шотл. — James Cardno). В 1666 году 11-й лорд Салтон построил Филорт-хаус в Фрейзербурге. Этот замок оставался резиденцией лордов, пока не сгорел в 1915 году.

Сэр Александр Фрейзер из Дурриса был личным врачом короля Англии Карла II Стюарта. Сэр Александр Фрейзер из Дурриса получил образование в Абердине и сопровождал будущего короля во время военных действий 1650 года. После реставрации монархии в 1660 году он стал депутатом шотландского парламента, он упоминается в дневниках Сэмюэла Пипса. Клан Фрейзер не принимал никакого участия в восстаниях якобитов, хотя их родственники из клана Фрайзер из Ловата поддерживали восстание.

ХІХ — XX века
Александр Фрейзер, 17-й лорд Салтон (1785—1853), командовал британской гвардией во время битвы под Ватерлоо в 1815 году. Александр Фрейзер, 20-й лорд Салтон (1886—1979), принимал участие в Первой мировой войне и попал в немецкий плен. В 1936 году он стал членом палаты лордов Великобритании.

Нынешний вождь — Марджори Флора Фрейзер (род. 1930), 20-я леди Салтон из Абернети (с 1979 года).

См. также
 Клан Фрейзер из Ловата
 Лорд Салтон

Примечания

Источники
 Clan Fraser — Scot Clans scotclans.com. Retrieved 31 August 2013
 Way, George and Squire, Romily. Collins Scottish Clan & Family Encyclopedia. (Foreword by The Rt Hon. The Earl of Elgin KT, Convenor, The Standing Council of Scottish Chiefs). Published in 1994. Pages 142—143.
 Standing Council of Scottish Chiefs — Select either «Fraser» or «Fraser of Lovat» clanchiefs.org. Retrieved 31 August 2013.

Ссылки
 Website of Lady Saltoun, Chief of the Name and Arms of Fraser
 Baronage Press's Fraser section
 Fraser Heraldry
 Clan Fraser Society of Australia
 Clan Fraser Association for California
 Clan Fraser Society Scotland UK
 Clan Fraser Society of North America

Фрейзер

redpajama_set_name: RedPajamaWikipedia


Investigators from McAfee's advanced threat research unit, working with partners at Coveware, have reevaluated hasty attributions of Ryuk ransomware to North Korea and have explored the inner workings of the threat.
John Fokker is head of cyber investigations in McAfee's Advanced Threat research unit. He join us to share their findings.
961 episodes available. A new episode about every day averaging 20 mins duration .


text:
Articles tagged Pete Cashmore (1)
Joseph LichtermanApril 19, 2016
Mashable chief content officer: We're still investing in journalism our "audience loves and values"
"We decided to move away from general interest news and broad coverage of the world. The reason we did that is we really want to focus on where our strengths and expertise are and where we can stand out."
Lichterman, Joseph. "Mashable chief content officer: We're still investing in journalism our "audience loves and values"." Nieman Journalism Lab. Nieman Foundation for Journalism at Harvard, 19 Apr. 2016. Web. 20 Jan. 2020.
Lichterman, J. (2016, Apr. 19). Mashable chief content officer: We're still investing in journalism our "audience loves and values". Nieman Journalism Lab. Retrieved January 20, 2020, from https://www.niemanlab.org/2016/04/mashable-chief-content-officer-were-still-investing-in-journalism-our-audience-loves-and-values/
Lichterman, Joseph. "Mashable chief content officer: We're still investing in journalism our "audience loves and values"." Nieman Journalism Lab. Last modified April 19, 2016. Accessed January 20, 2020. https://www.niemanlab.org/2016/04/mashable-chief-content-officer-were-still-investing-in-journalism-our-audience-loves-and-values/.
| url = https://www.niemanlab.org/2016/04/mashable-chief-content-officer-were-still-investing-in-journalism-our-audience-loves-and-values/
| title = Mashable chief content officer: We're still investing in journalism our "audience loves and values"
| last = Lichterman
| first = Joseph
| date = 19 April 2016
| ref = {{harvid|Lichterman|2016}}

redpajama_set_name: RedPajamaCommonCrawl


This is a huge change to the charging market in California, and will boost station counts drastically. It will be among the first utility-controlled charging initiative.
California has certainly enjoyed a history of positive growth in regards to vehicle charging stations.
In 2009, the U.S. Department of Energy (DOE) offered two programs to increase charging stations. The EV Project and ChargePoint America added 6,300 stations, a third of which were installed in California.
Additionally, a settlement between the California Public Utilities Commission (CPUC) and NRG energy added 200 DC fast chargers in California between 2012 and 2014.
The focus for the new, utility-led stations will be primarily at workplaces and multi-residential complexes. Navigant Research estimates that there are approximately 9,000 workplace charging stations currently in the U.S.
Utility companies will need to be diligent to assure that stations are in the best locations, company partners are secure and committed, and funds are applied efficiently.


text:
Аллен Майкл Частанет  — бізнесмен і політик Сент-Люсії, прем'єр-міністр Сент-Люсії 7 червня 2016 — 28 липня 2021.
Політичний лідер Об'єднаної робочої партії, а також представник парламенту виборчого округу Мікуд Південний.  Раніше, у 2006 — 2011 роках, обіймав посаду міністра туризму та цивільної авіації Сент-Люсії.

Освіта
В 1979 році закінчив школу в Станстед коледж (Станстед, Квебек). Здобув ступінь бакалавра від єпископського університету і ступінь магістра з Американського університету.

Ділова кар'єра
Частанет працював віце-президентом з маркетингу та продаж "Air Jamaica". Він є керуючим директором Coco Palm Hotel.

Політична кар'єру
Частанет працював міністром туризму та цивільної авіації і членом Сенату Сент-Люсії з 2006 по 2011 рік. Безуспішно балотувався в парламент під час виборів 2011 року. У 2013 році обраний лідером опозиційної Об'єднаної робочої партії. У 2016 році виграв парламентські вибори від округу Мікуд Південний. Приведений до присяги як прем'єр-міністр 7 червня 2016.

26 липня 2021 року Частанет та його політична партія  програли на

— вони зазнали поразки від Лейбористської партії Сент-Люсії

Особисте життя
Аллен Частанет — син бізнесмена Майкла Частанета. Одружений, має двоє дітей.

Примітки

Народились 1961
Дипломати Сент-Люсії
Прем'єр-міністри Сент-Люсії
Міністри закордонних справ Сент-Люсії


text:
UNIAbuja students protest, demand extension of exams date, reopening of portal for registration
Author: Engr Jeremiah Published Date: February 1, 2021 Leave a Comment on UNIAbuja students protest, demand extension of exams date, reopening of portal for registration
UNIAbuja students protest, demand
extension of exams date, reopening of portal for registration
SOME students of University Abuja (UNIAbuja) Monday protested issues the management of the university has said
have been adequately addressed.
The aggrieved students were said to have blocked the main gate of the university, preventing other students and staff from
gaining access into the campus.
The students said they were demanding the reopening and extension of school fees payment portal, cancellation of the late registration fee, and postponement of the examination till March 8, 2021.
Head, University Relations, UNIAbuja, Dr Habib Yakoob, in a statement made available to newsmen, however, said the
management was aghast that the students had to protest over issues which have been addressed after due engagement with the leadership of the Student Union.
The statement read: "The university management states that following the release of 2019/2020 academic calendar by the Senate of the university, the registration of students was to be
done in four weeks.
"Following the expiration of this process, the university closed the portal in February 2020 in line with the 2019/2020 academic calendar.
"Yet after pleas from the Students' Union, the vice-chancellor, in his magnanimity, twice directed the reopening, at different times, of the portal to accommodate those who didn't register on time.
"In the last one week, a couple of meetings were held with the Students' Union which again demanded the re-opening of the
portal.
"The university administration held an emergency meeting with the union at 2.00 pm on Sunday 31st January 2021 and
considered their appeal.
"Consequently, the portal was reopened on Sunday 31st January 2021 for registration, for another two weeks till February 14 2021, and the students were duly informed.
Again, the late registration fee for those who had not paid their school fee as well as those who paid but did not register was
waived; and late registration fee of N5,000 was to be refunded to students who had earlier paid.
"The university management is, however, surprised that while so many of our students were excited to be resuming to
campus today after ten months at home, they were held back by some elements among students who are protesting the
same issue that had already been addressed by the university.
The university appeals to all law-abiding students to not partake in disrupting the 2019/2020 academic calendar, considering the amount of time lost to the strike by the
Academic Staff Union of Universities (ASUU), and Covid-19 pandemic; and that it is putting all necessary measures in place to address this unfortunate development," it said
← What You Should Know Before You Reject Admission On JAMB CAPS
LASPOTECH Departmental Cut -Off Mark For 2020/ 2021 Session Has Been Released →


Within the vast landscape of an ever-changing market, it's difficult an online merchant to know whether or not they are on the right path. However, once an online shop receives consecutive awards within the span of 6 months, they can feel confident they are doing something right. In the case of the devolo online shop, they have certainly earned this luxury.
From their offices in north-western Germany, devolo develops innovative powerline and data communication products for private clients and professional users. Since 2002, devolo has used their specialization in dLAN and home control to pursue the goal of connecting people with the networked world, both in home and business.
Specifically, the shop is now a combination of a Typo3-CMS and Shopware. The fully responsive template is based on Typo3, the product data maintenance and the purchasing process, as well as the shop functionalities, operate using a Shopware Enterprise edition in the background.
Moreover, Netshops connected the ERP system, SAGE, diverse marketing tools, and the customer platform, "my devolo", by means of a single sign-on solution. Using this solution, when devolo users sign into the "my devolo" portal, they can also sign into the shop itself without reentering their information.
In order to encourage consumer confidence, particular attention was paid to the service area, with the result giving the customers a positive feeling regarding the product experience. Particular features, such as a chat integration, were used to ensure the service of the online shop matched that of the brick-and-mortar stores.
Other aspects of usability and customer communication were also reinforced. For instance, when a certain shopping cart value is reached during the checkout process, an info box appears with the contact information of the devolo Customer Support Center – with a short call, the customer can take advantage of free initial support. In another instance, when a certain shopping cart value is met in specific product categories, the customer receives a PDF to download, which can be used to get free spare parts and maintenance services during a defined period of time.
Next to the impressive product assortment, the shop does an excellent job of clearly and concisely displaying all relevant product and company information. The individual product pages service both the emotional and rational levels of the purchasing decision. Text and image content – such as videos, FAQs, articles, reviews and downloads for drivers – are centrally available on the website. Despite the extensive amount of information available throughout the website, the usability is nevertheless outstanding.
The project implementation took a total of nine months to complete, and as devolo's first step in the direction of B2C business, all parties are completely satisfied with the result. "For us, devolo was and is an exceptionally challenging project, but with complete dedication and commitment the project became a huge success. We particularly enjoyed cooperating closely with devolo and were able to highlight certain technological points by combining Shopware and Typo3," Stefen Sobczak assessed of the project.
Even objectively, the devolo concept shows very clear strengths. In less than half a year, the shop was already decorated with three prestigious awards, confirming the project's remarkable standing.
The devolo shop dominated the Shop Usability Award in September with two awards; one for "Best Brand Shop" and the other for "Special Interest". The Internet World Business is Germany's largest B2B fair. In the 2016 Shop Awards, devolo took home the category of "Best Product Presentation".
All parties involved are confident these are not the last prizes to decorate the outstanding online shop from devolo.


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1 Day Acuvue Moist contact lenses are great for dry eyes. Before my Acuvue 1 Day Moist contacts I could not make it through an entire movie or sports game without having to remove my lenses. The Acuvue 1 Day Moist contacts are also easy to put in and take out.
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1-Day Acuvue Moist are daily disposable contact lenses manufactured by Johnson & Johnson (Vistakon). 1-Day Acuvue Moist give you a fresh start every day with a new, clean pair of lenses. They're daily disposable lenses that lock in a moisture-rich ingredient for constant health and comfort. 1-Day Acuvue Moist offer vision care with the convenience of a daily disposable lens. At the end of the day, you throw them away. 1-Day Acuvue Moist: employing enjoyment.


text:
St Peter and St Paul Catholic Primary Academy
Me nu
Academy Community
STARS - EXTENDED DAY PROVISION
Child Zone
Bromley Catholic Schools' Trust
Church Community
Our Wider Community
Charitable Endeavours
School Direct Initial teacher Training
St Peter and St Paul is a single, stand-alone Academy that sits within the Bromley Catholic Schools Trust. The Bromley Catholic Schools Trust is an Umbrella Trust that has been established to promote and assist in the promotion of education in the London Borough of Bromley. The aims of the Trust are to promote the achievement of a high quality education for all pupils in all Catholic schools within the umbrella and to promote and develop the Catholic ethos.
There are currently eight Bromley Catholic Schools in the umbrella Trust:
St. Anthony's RC Primary
Holy Innocents' Catholic Primary
St. James' RC Primary
St. Joseph's Catholic Primary
St. Mary's RC Primary
St. Peter and St. Paul Catholic Primary
St. Philomena's RC Primary
St. Vincent's Catholic Primary
Each school is an equal partner within the Trust however one school acts as Chair for one year and this role is rotated on an annual basis. The school that is Vice Chair becomes the Chair the following year. The school that is currently in the Chair is Holy Innocents' Primary Academy and from Sept 2018 it will be St Peter and St Paul Catholic Primary Academy.
The Bromley Catholic Schools Trust company number :09147871
The Bromley Catholic Schools Trust was incorporated on 25th July 2014 to facilitate the conversion of the Catholic primary schools in the London Borough of Bromley to academy status. Its registered office is c/- St Joseph's Catholic Primary School, Plaistow Lane, Bromley, Kent BR1 3JQ.
High Visibility • View Sitemap • Copyright © 2015 St Peter and St Paul Catholic Primary Academy • School website design by e4education


There's a lot you can do to make your tires last.
We've devoted an entire section to taking care of your tires. This includeds helpful tips on maintenance, buying and installation. There is also a section of Frequently Asked Questions that we hear all the time – check them out to see what you can do to help prolong the life of your tires. Safety tips as well as the definitive guide on tire pressure have also been included. Don't forget to contact a dealer in your area if you have other questions. Have a Goodride!
Click here for our tire buying guide.
Click here for tire safety.
How long should my original tires last?
Should I replace my current tires with the same size tires?
What should I do if I notice that my vehicle has a vibration?


text:
<?php

abstract class DifferentialRevisionActionTransaction
  extends DifferentialRevisionTransactionType {

  final public function getRevisionActionKey() {
    return $this->getPhobjectClassConstant('ACTIONKEY', 32);
  }

  public function isActionAvailable($object, PhabricatorUser $viewer) {
    try {
      $this->validateAction($object, $viewer);
      return true;
    } catch (Exception $ex) {
      return false;
    }
  }

  abstract protected function validateAction($object, PhabricatorUser $viewer);
  abstract protected function getRevisionActionLabel();

  protected function validateOptionValue($object, $actor, array $value) {
    return null;
  }

  public function getCommandKeyword() {
    return null;
  }

  public function getCommandAliases() {
    return array();
  }

  public function getCommandSummary() {
    return null;
  }

  protected function getRevisionActionOrder() {
    return 1000;
  }

  public function getActionStrength() {
    return 3;
  }

  public function getRevisionActionOrderVector() {
    return id(new PhutilSortVector())
      ->addInt($this->getRevisionActionOrder());
  }

  protected function getRevisionActionGroupKey() {
    return DifferentialRevisionEditEngine::ACTIONGROUP_REVISION;
  }

  protected function getRevisionActionDescription() {
    return null;
  }

  public static function loadAllActions() {
    return id(new PhutilClassMapQuery())
      ->setAncestorClass(__CLASS__)
      ->setUniqueMethod('getRevisionActionKey')
      ->execute();
  }

  protected function isViewerRevisionAuthor(
    DifferentialRevision $revision,
    PhabricatorUser $viewer) {

    if (!$viewer->getPHID()) {
      return false;
    }

    return ($viewer->getPHID() === $revision->getAuthorPHID());
  }

  protected function getActionOptions(
    PhabricatorUser $viewer,
    DifferentialRevision $revision) {
    return array(
      array(),
      null,
    );
  }

  public function newEditField(
    DifferentialRevision $revision,
    PhabricatorUser $viewer) {

    // Actions in the "review" group, like "Accept Revision", do not require
    // that the actor be able to edit the revision.
    $group_review = DifferentialRevisionEditEngine::ACTIONGROUP_REVIEW;
    $is_review = ($this->getRevisionActionGroupKey() == $group_review);

    $field = id(new PhabricatorApplyEditField())
      ->setKey($this->getRevisionActionKey())
      ->setTransactionType($this->getTransactionTypeConstant())
      ->setCanApplyWithoutEditCapability($is_review)
      ->setValue(true);

    if ($this->isActionAvailable($revision, $viewer)) {
      $label = $this->getRevisionActionLabel();
      if ($label !== null) {
        $field->setCommentActionLabel($label);

        $description = $this->getRevisionActionDescription();
        $field->setActionDescription($description);

        $group_key = $this->getRevisionActionGroupKey();
        $field->setCommentActionGroupKey($group_key);

        // Currently, every revision action conflicts with every other
        // revision action: for example, you can not simultaneously Accept and
        // Reject a revision.

        // Under some configurations, some combinations of actions are sort of
        // technically permissible. For example, you could reasonably Reject
        // and Abandon a revision if "anyone can abandon anything" is enabled.

        // It's not clear that these combinations are actually useful, so just
        // keep things simple for now.
        $field->setActionConflictKey('revision.action');

        list($options, $value) = $this->getActionOptions($viewer, $revision);

        // Show the options if the user can select on behalf of two or more
        // reviewers, or can force-accept on behalf of one or more reviewers,
        // or can accept on behalf of a reviewer other than themselves (see
        // T12533).
        $can_multi = (count($options) > 1);
        $can_force = (count($value) < count($options));
        $not_self = (head_key($options) != $viewer->getPHID());

        if ($can_multi || $can_force || $not_self) {
          $field->setOptions($options);
          $field->setValue($value);
        }
      }
    }

    return $field;
  }

  public function validateTransactions($object, array $xactions) {
    $errors = array();
    $actor = $this->getActor();

    $action_exception = null;
    try {
      $this->validateAction($object, $actor);
    } catch (Exception $ex) {
      $action_exception = $ex;
    }

    foreach ($xactions as $xaction) {
      if ($action_exception) {
        $errors[] = $this->newInvalidError(
          $action_exception->getMessage(),
          $xaction);
        continue;
      }

      $new = $xaction->getNewValue();
      if (!is_array($new)) {
        continue;
      }

      try {
        $this->validateOptionValue($object, $actor, $new);
      } catch (Exception $ex) {
        $errors[] = $this->newInvalidError(
          $ex->getMessage(),
          $xaction);
      }
    }

    return $errors;
  }

}

redpajama_set_name: RedPajamaGithub


text:
Share in the experience of Girls Write Up 2016
Aviva Tuffield, 29 June 2016
It's with great pleasure that we announce that Stella's booked-out Girls Write Up 2016 events were an overwhelming success! Girls Write Up (GWU), a gender-inclusive, intersectional, daylong festival of language, gender and power, was held in Melbourne on 17 June, and Sydney on 21 June. Nearly 300 young people attended GWU, and participated in panels, workshops and Ask Me Anything sessions with some of Australia's most talented and trailblazing writers and media personalities.
Both events were kicked off by a bold keynote speech by Clementine Ford, who began by encouraging participants to focus on 'confidently taking up space that belongs to you, and not let anyone bully you into being silent' and ended with this rallying call:
I want all of you to go out into the world and become huge, strident, passionate attention seekers. Don't be afraid to be the smart young women you know you are. You are all valuable and important, and what you have to say matters. You matter.
This set the tone for an inspirational day of workshops and talks that encouraged young people to speak up, helped them find the confidence to do so, and provided them with various ways to express themselves. Highlights included an impromptu performance following a spoken-word workshop with the wonderful Candy Bowers in Melbourne, and a truly life-changing series of readings by Fiona Wright, Kirsty Eagar and Emily Maguire, for the Radical Act of Writing Women panel in Sydney. The atmosphere of the Ask Me Anything sessions with Rebecca Shaw and Clementine Ford in both Sydney and Melbourne perfectly summed up the spirit of Girls Write Up: vulnerable, honest, humorous and, ultimately, defiant.
Alice Pung, who appeared on the Radical Act of Writing Women panel in Melbourne, said:
'Girls Write Up gives high school students an opportunity to hear and meet inspiring authors, artists and performers who discuss art, culture, career, diversity and politics. It makes real the possibility that they too could become creators of art and literature instead of just consumers. It is empowering both to the audience and the participants. This next generation of girls really inspired me – they are smart, focused, political and feminist!'
Hannah Donnelly, who appeared on the On Comics and Unheard Voices panel, said:
'To speak at Girls Write Up was a deadly experience. As a writer I could only imagine how an event like this would have inspired me while I was in school. The level of interest from the intelligent, lit-savvy young people was impressive and I wish there were more events like this for young writers to connect with young aspiring writers.'
Follow these links for more Girls Write Up coverage on Daily Life, the Guardian and the Conversation.
The feedback:
Brigid Delaney in The Guardian:
https://www.theguardian.com/books/2016/jun/23/dont-feed-the-trolls-a-survival-guide-for-teen-girl-writers
Camilla Nelson in The Conversation:
https://theconversation.com/stellas-girls-write-up-tells-kids-good-writing-starts-with-having-something-to-say-61579
Clementine Ford in Daily Life:
http://www.dailylife.com.au/news-and-views/why-we-should-all-be-attention-seekers-20160623-gpqpv6.html
The Nelson Meers Foundation supported the inaugural 2016 Girls Write Up events. According to Aviva Tuffield, Executive Director & Co-Founder of The Stella Prize, there are calls to do them again in other states and regional areas and they are now working on a program of GWU workshops for 2017.
Learn more about Girls Write Up


text:
Men of Yore: Richard Chancellor
This is intended to be a series of posts about men from history who have either achieved great things in one form or another by pushing boundaries: either in themselves or in society or science or exploration of some form. Boundary pushing and growth is what men do, it's their nature: to grow and push outwards. We, as men, are the frontiers men, the first to discover/uncover new territory, in a metaphysical sense (i.e. including both material and the immaterial) that is later colonised and 'civilised' by the rest of humanity.
Richard Chanellor (1553)
Richard Chancellor (died 1556) was an English explorer and navigator; the first to penetrate to the White Sea and establish relations with Russia.
Chancellor, a native of Bristol, acquired geographical and maritime proficiency from the explorer Sebastian Cabot and the geographer John Dee. Cabot had always been interested in making a voyage to Asia through the Arctic, and for this purpose King Edward VI chartered an association of English merchants, the Company of Merchant Adventurers in 1552–1553, with the Duke of Northumberland as principal patron. They hoped not only to discover a North-east passage but also to find a market for English woollen cloth.
Sir Hugh Willoughby was given three ships for the search, and Chancellor went as second-in-command. Their orders from the King included behaving peacably towards any people they met and keeping a regular journal. According to Howarth contrary winds delayed the expedition seriously but they eventually arrived off the North Cape as autumn set in, and were separated by a violent storm; Willoughby, with two ships, sailed east and discovered Novaya Zemlya but died during the winter with all his men on the Lapland coast some distance east of Murmansk. The bodies and journals were discovered by Russian hunters in the spring. Meanwhile, Chancellor noted and named the North Cape and with his ship Edward Bonaventure called at the Norwegian port of Vardø, the last town in Scandinavia before the inhospitable arctic coast of Russia; here they met Scottish fisherman who warned them of the dangers ahead. However continuing eastwards they found the entrance to the White Sea and after obtaining directions from local people dropped anchor at the port of Archangel.[1]
When Tsar Ivan the Terrible heard of Chancellor's arrival, he immediately invited the exotic guest to visit Moscow for an audience at the royal court. Chancellor made the journey of over 600 miles (over 1000 kilometres) to Moscow by horse-drawn sleigh through snow and ice covered country. He found Moscow large (much larger than London) and primitively built, most houses being constructed of wood. However, the palace of the tsar was very luxurious, as were the dinners he offered Chancellor.[2] The Russian tsar was pleased to open the sea trading routes with England and other countries, as Russia did not yet have a connection with the Baltic Sea at the time and the entire area was contested by the neighbouring powers of the Polish-Lithuanian Commonwealth and the Swedish Empire. In addition, the Hanseatic League had a monopoly on the trade between Russia and Central and Western Europe. Chancellor was no less optimistic, finding a good market for his English wool, and receiving furs and other Russian goods in return. The Tsar gave him letters for England inviting English traders and promising trade privileges.
When Chancellor returned to England in the summer of 1554, King Edward was dead, and his successor, Mary, had executed Northumberland for attempting to place Lady Jane Grey on the throne. No stigma attached to Chancellor, and the Muscovy Company, as the association was now called, sent him again to the White Sea in 1555. On this voyage he learned what had happened to Willoughby, recovered his papers, and found out about the discovery of Novaya Zemlya. Chancellor spent the summer of 1555 dealing with the Tsar, organising trade, and trying to learn how China might be reached by the northern route.
In 1556 Chancellor departed for England, taking with him the first Russian ambassador to his country, Osip (i.e.Joseph) Nepeya. They left Archangel in autumn; the fleet was Willoughby's ships (relaunched), the Philip and Mary and the Edward Bonadventure. In October/November the fleet tried to winter in Trondheim. The Bona Esperanza sank, the Bona Confidentia appeared to enter the fjord but was never heard of again, and the Philip and Mary successfully wintered in Trondheim and arrived in London next 18 April. The Edward did not attempt to enter, instead reaching the Scottish coast and being wrecked at Pitslago on 7 November. Chancellor lost his life, although the Russian envoy survived to reach London.
Chancellor had found a way to Russia, and though in time it was superseded by a better one it remained for years the only feasible route for the English.
He died at Pitsligo Bay on 10 November 1556 .[3]
Source: https://en.wikipedia.org/wiki/Richard_Chancellor
An Englishman who actually tried to improve relations between England and Russia? Surely this is a joke?! Everyone knows that Englishmen have never aspired to better relations with Russians!
In the 19th century they were at war over the Crimea;
In the early 20th they were involved in court intrigues (cf. Rasputin and all that jazz) trying to cause havoc in government;
In the mid 20th century there were Cold War shenanigans;
And now there are trade embargoes and lord knows what going on in Ukraine
Well Richard Chancellor is proof that relations between England and Russia need not always be bad. The same goes for other countries (or indeed any group of people, countries are just groups of people who self-identify as a community). Peaceful co-existence is preferable to war-filled existence when it benefits both sides. Chancellor set out to make contact and establish peaceful co-existence with Ivan the Terrible in the form of trade: English wool in exchange for Russian furs. If only we had a man like that now then we in the West would be opening up trading opportunities rather than trying to provoke Russia into open warfare.
Labels: Men of Yore
Alternative Lyrics to Well Known Songs 40 - We Are...
Men of Yore: Tiberius Gracchus
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Men of Yore: Pavel Schilling


Preheat oven to 350°. Lightly grease a 9×13 baking dish.
Start by making sure butter is extremely soft, just shy of melting. Mix together softened butter and brown sugar in a large bowl. Add in eggs, one at a time. Stir in vanilla and lime zest.
In a small bowl, combine flour, baking powder, salt. Add to butter mixture and mix, just until combined. Gently fold in coconut and white chocolate.
Spread the batter into prepared pan. Bake for 19-23 minutes, until a toothpick inserted in the center comes out clean.
For the frosting, beat the softened cream cheese with an electric mixer until smooth. Add in powdered sugar and lime juice. Mix in zest and cooled melted white chocolate, combine well. Spread over cooled bars and top with toasted coconut. Chill 4 hours or overnight before serving.
Preheat oven to 350 degrees F. Lightly grease a 9x13 baking dish.
For the frosting, beat the softened cream cheese with an electric mixer until smooth. Add in powdered sugar and lime juice. Mix in zest and cooled white chocolate, combine well. Spread over cooled bars and top with toasted coconut. Chill 4 hours or overnight before serving.


text:
Migrants enter immigration court confused, leave with new court dates weeks away
Posted 10:06 am, October 22, 2019, by Nexstar Media Group, Updated at 01:34PM, October 22, 2019
HARLINGEN, TEXAS (Border Report) — The difficulty that asylum seekers face when forced to remain in Mexico until their hearings and when they finally appear in court was apparent Monday when migrant after migrant went before U.S. Immigration Judge Sean Clancy either ill-prepared or unaware of court rules.
The Executive Office of Immigration Review (EOIR), which oversees U.S. immigration courts, also did not have enough interpreters available on Monday for some of the non-Spanish speaking indigenous migrants, who are part of the Migrant Protection Protocols (MPP) program
The Trump administration began implementing this program in South Texas in mid-July, and since then an estimated 1,600 people, also called MPPs, have been living in a tent camp in Matamoros at the base of the Gateway International Bridge while awaiting their asylum hearings.
Children share food and water with an adult on Monday, Oct. 21, 2019, at a tent city where 1,600 migrants live at the base of the Gateway International Bridge in Matamoros, Mexico. (Border Report Photo/Sandra Sanchez).
Border Report spent most of Monday observing Judge Clancy's courtroom, where 72 cases of these MPPs were scheduled on the docket before 2 p.m. These migrants were heard via video conferencing from a courtroom set up at a newly constructed judicial tent city at the Gateway Port of Entry to Clancy's courtroom in Harlingen, Texas, about 30 miles away.
All of the migrants were required to be at the Gateway Port of Entry, at the mid-point of the bridge, at least four hours before their scheduled court time, which meant that those who were on the docket for 8 a.m., had to be in line at the bridge by 4 a.m.
Many were soaking wet and cold after enduring a night of heavy rains, which amounted to almost 2 inches, and included a tornado warning in Brownsville at 2 a.m.
"Regardless of the tornado warnings and the rain they had to be on the bridge at 4 a.m.," immigration lawyer Jodi Goodwin said.
Four migrants whose cases were scheduled for 8 a.m., had to have their hearings rescheduled for a month to six weeks later because the federal government did not have available any interpreters on Monday to translate their indigenous Mayan languages of Achi tanko, Mam, and Chalchiteco.
Two of the indigenous women held babies in arms as they listened to Clancy via a Spanish interpreter although none of them spoke Spanish fluently. They were told to report back at 8:30 a.m. Nov. 20 to the Gateway Port of Entry. Another indigenous woman, Elia Magdali Lopez-Mendez, who appeared in court with her toddler, Mery Soledad Mernanadez-Lopez, was told to return Dec. 2.
Lopez raised her hand and in halting Spanish managed to ask Clancy why her court date was later than the others. "My daughter is sick and suffering much," Lopez said. "My child gets sick now that we are in Mexico."
Judge Clancy told her "I'm sorry for your troubles, ma'am." He added that "We must continue your cases to make sure your rights are read to you properly. … It's important you understand these rights to have a fair hearing."
Then he instructed them to ensure that all of their asylum paperwork is filled out in English. And that if any supporting documents are submitted in another language, then it must come with a certificate of translation, verifying that it was done by a professional. Clancy then asked the government's assistant counsel Kristen Hitchner if the forms were available in another language, which they are not.
"I appreciate that will be difficult and more so for you folks, as Spanish is not your first language. But that is what the law requires," Clancy said.
No cellphones or cameras are allowed in immigration court. And permission must be obtained by the judge to observe a courtroom.
In case after case, most migrants expressed a lack of funds to pay for a translator, nor the ability to write or read English.
"Unfortunately all evidence must be submitted in English. Any evidence not in English must be translated into English," Clancy said. "And if the application is not correctly and completely filled out, I probably will not grant it."
Some of the defendants had their paperwork in tow, but admitted not all was translated. And so their cases were continued. Some into 2020.
In one case, a continuation was scheduled for Dec. 19 for a pre-trial hearing as to whether a thumb drive containing a news report on a family of MPPs, which appeared in the Miami Herald, could be admitted into evidence. Hitchner told Clancy there was no protocol for accepting computerized supporting documents. The merit hearing for the four-member family, which came from Cuba, was scheduled for Jan. 28.
A Department of Homeland security vehicle on Monday, Oct. 21, 2019, guards the entrance to the Gateway Port of Entry judicial tent facility in Brownsville, Texas. (Border Report Photo/Sandra Sanchez).
Roberto Ledo Taguuy begged Clancy to allow him to stay in the United States while his case his pending. He said that his wife and daughter live in the United States. But Clancy told him "I don't have the authority to give you permission to come in temporarily to the United States. I have the authority to allow you to come in permanently, if you merit, but the determination for temporary status lies with the U.S. Department of Homeland Security."
I don't have the authority to give you permission to come in temporarily to the United States. I have the authority to allow you to come in permanently, if you merit."
U.S. Immigration Judge Sean D. Clancy
Outside the Gateway judicial tent facility in Brownsville, Federal Protective Service Police with the U.S. Department of Homeland Security, on Monday continued to guard the entrance to the facility. A few lawyers have been allowed into that facility since hearings began on Sept. 12, but no media or public onlookers have been allowed inside.
Read a Border Report story on the first MPP cases heard at the judicial tent facility.
Border Report selected Clancy's courtroom to observe the initial asylum hearings of Carolina Carranza-Silva, and her daughter Emily Monserrath, who have been featured in several Border Report articles. But by the time it took to find their courtroom on docket sheets taped to the courthouse wall — their 8 a.m. scheduled hearing time had passed. Neither Clancy nor Hitchner would confirm whether they had appeared.
Border Report visited Carranza's empty tent in Matamoros on Monday afternoon, seven hours after her scheduled hearing and spoke with other migrants who live near her but nobody knew what happened to them and said they had not returned from court.
Vanessa Villalobos who lives in a tent near Carranza's with her three children, ages 16, 9 and 6 months, said she also spent the day in court, but "was turned away because there was no judge," she said in Spanish. Villalobos had a 3 p.m. scheduled hearing and went to the Gateway Port of Entry at 11 a.m. to wait. Now her hearing has been reset for Nov. 14.
Vanessa Villalobos is seen Monday, Oct. 21, 2019, at the tent city in Matamoros, Mexico, where she has lived for three months with her three children. She had a court hearing on Monday but it was postponed until Nov. 14 because she said the judge was not there. (Border Report Photo/Sandra Sanchez).
"It's horrible living here. It's so hard. We've been here for three months already. When will this end?" Villalobos said.
Sandra Sanchez can be reached at SSanchez@BorderReport.com.
Filed in: Border Report
Topics: Border Report, Migrant Protection Protocols program
Amnesty International delegates denied access to asylum court in South Texas
Report: Migrants at Matamoros tent camp could be rounded up, sent to stadium miles from int'l bridge
US immigration courts completed 2nd-highest number of cases in 2019
CBP paroles deaf migrant, allowing her to wait out asylum process on US soil
1st busloads of asylum seekers detained in Arizona arrive in El Paso, are sent across border to wait in Mexico
Head of Amnesty International says migrant children detained 'much longer' than 20 days; head of ORR tells her it's OK
Migrant Protection Protocols 'a disaster,' Democratic presidential candidate says
Honduras, El Salvador to open new consulates as migrants remain stranded at US-Mexico border
Migrant arrests down for 5th consecutive month; officials credit MPP program and Mexican army
Advocates say deportation is ultimate goal of fast-track asylum resolution plan
Protection of asylum seekers part of Democratic Women's Caucus agenda
Group says turning back Mexican asylum seekers is illegal, wants CBP to stop practice
Migrants place themselves under 'house arrest' amid escalation of drug violence in Juarez


text:
Aviva ist die fünftgrößte Versicherungsgesellschaft der Welt nach AXA, Allianz SE, ING Groep und Fortis.

Sie hat 33,4 Mio. Kunden (Stand 2020). Im Vereinigten Königreich ist Aviva der größte Schadenversicherer und einer der führenden Lebens- und Rentenversicherungsanbieter. Darüber hinaus ist Aviva der zweitgrößte Schadenversicherer in Kanada.

Geschichte

Aviva ist einer der ältesten Versicherer der Welt.

Der früheste Bestandteil, die Hand in Hand, wurde am 12. November 1696 im Tom's Coffee House in der St. Martin's Lane, London, gegründet. Als Gegenseitigkeitsgesellschaft gegründet, war das Unternehmen einst das älteste bestehende Feuerversicherungsbüro der Welt. Es war ein Vorläufer des modernen Genossenschaftssystems. Der Versicherer Hand in Hand wurde 1905 von der Commercial Union übernommen.

1699 begann Die Hand in Hand, Feuerwehrleute einzustellen, um ihren Versicherungsnehmern im Brandfall zu helfen. Anfangs wurden sechs Männer angestellt und erhielten blaue, rot gefütterte Uniformen. Die Brigade des Unternehmens bekämpfte Brände in London bis 1833, als sie sich mit neun anderen zur London Fire Engine Establishment zusammenschloss.

John Hartley, ein Londoner Buchhändler, gründete 1704 die Amicable Society for a Perpetual Assurance Office. Unter einer Charta von Queen Anne gegründet, behauptete Amicable, die weltweit erste Lebensversicherungsgesellschaft auf Gegenseitigkeit zu sein. Die Norwich Union Life Insurance Society erwarb Amicable 1866.

Im Jahre 1780 wurde in Irland die Liberal Annuity Company of Dublin gegründet. Sie wurde 1876 von der National Assurance Company of Ireland erworben, die 1906 mit der Yorkshire Insurance Company fusionierte. Diese wurde 1967 von General Accident erworben.

1792 wurde die Norwich General Assurance Company Thomas Bignold als Feuerversicherung  gegründet. 1797 zog das Unternehmen von Gentleman's Walk in Norwich in neue Räumlichkeiten in St. Giles um. Bignold blieb bei Gentleman's Walk und gründete eine neue Gesellschaft, die Norwich Union Fire Insurance Society, die 1821 Norwich General übernahm.

1808 gründete Thomas Bignold 1808 die Norwich Union Life Insurance Society.

Mit Gründung der New South Wales Marine Assurance Company betrat das Unternehmen den australischen Markt. Sie wurde 1881 von der Commercial Union übernommen. Der Konzern verkaufte sein australisches allgemeines Versicherungsgeschäft im Jahr 2002 und sein Lebens- und Rentengeschäft im Jahr 2009.

1855 eröffnete die Northern Assurance in Shanghai ein Büro. Mehrere andere Unternehmen des Konzerns waren in den folgenden Jahren in China tätig. Alle wurden bis 1951 geschlossen. Das aktuelle Joint Venture der Gruppe, Aviva-COFCO Life Insurance, wurde im Januar 2003 eröffnet.

Northern Assurance eröffnete 1856 eine Vertretung in St. Petersburg. Das Geschäft wurde nach der Revolution von 1917 und der anschließenden Verstaatlichung eingestellt. 2005 wurde ein Büro in Moskau wiedereröffnet und im März 2006 erhielt Aviva Russland eine Lizenz zum Verkauf von langfristigen Spar- und Sicherungsprodukten. Der Betrieb wurde 2013 veräußert.

1896 wurde General Accident die erste Kfz-Versicherung in Großbritannien.

Das Passagierschiff Titanic sank am 15. April 1912, nachdem es einen Eisberg getroffen hatte. Mehr als 1.500 Menschen kamen ums Leben. Commercial Union war nur eines der Unternehmen, die das Schiff der White Star Line versicherten. Die Eigner hatten so viel Vertrauen in ihr Design, dass sie das Schiff nicht zu seinem vollen Wert versichert hatten. Dies wurde auf £ 1.750.000 geschätzt. Der Vorfall war der "schwerste Einzelschaden, der Versicherer je erlitten hat", wie die Zeitung The Times im Jahr 1912 berichtete.

1959 übernahm die  Commercial Union North British & Mercantile Insurance Company. Im gleichen Jahr übernimmt Norwich Union die Gesellschaft  Scottish Union.

1968 übernimmt die Commercial Union die Versicherung Northern Assurance.

New Zealand Insurance Company wurde 1989 von der General Accident Fire and Life Assurance Corporation übernommen. NZI wurde 1859 als neuseeländische Versicherungsgesellschaft gegründet. Sie wurde 2002 verkauft.

Aviva wurde am 20. Oktober 2009 an der New Yorker Börse notiert. Dies wurde auch der Tatsache geschuldet, dass mehr als 20 % seiner Aktionäre in den Vereinigten Staaten waren.

Astra Aviva Life wurde 2014 als Joint Venture mit PT Astra International Tbk gegründet. Das Unternehmen wurde gegründet, um Lebensversicherungsprodukte in Indonesien zu verkaufen und zu vertreiben. Diese baute auf dem seit 2010 bestehenden Geschäft von Aviva im Land auf. Am 18. November 2020 wurde die Beteiligung an dem Joint Venture in Indonesien verkauft.

Aviva entstand aus einem Zusammenschluss von zwei britischen Versicherungen, Norwich Union und CGU plc (CGU war 1998 aus einer Fusion von Commercial Union und General Accident hervorgegangen), als CGNU im Jahr 2000. Im Juli 2002 wurde der Name CGNU in Aviva umgewandelt, abgeleitet aus viva, dem lateinischen Wort für 'lebendig'. Dies sollte einprägsamer sein als die bislang verwendete Abkürzung. In den meisten Ländern, mit Ausnahme einiger gewohnter Bezeichnungen, wird seitdem der einheitliche Name Aviva verwendet.

Im März 2005 erwarb Aviva die RAC Limited, den gewerblichen Ableger (u. a. Pannendienst) des britischen Royal Automobile Club für rund 1,1 Milliarden £, verkaufte diese jedoch 2011 an die amerikanische Carlyle Group.

Im Jahre 2006 erwarb Aviva den amerikanischen Finanzdienstleister AmerUs Group für 2,9 Milliarden $, um seine Präsenz in den Vereinigten Staaten zu erhöhen. AmerUs Group wurde als Aviva USA nach der Übernahme weitergeführt.

Aviva hat ihre niederländische Tochter Delta Lloyd, deren Kernmärkte Belgien und die Niederlande sind, im November 2009  an die Börse gebracht. Die niederländische Delta Lloyd hat auch eine gleichnamige deutsche Tochter, diese hat aber den Neuvertrieb von Versicherungen und den Außendienst eingestellt. Handelsplatz ist die NYSE Euronext in Amsterdam. Der Konzern erhielt 2009 einen Emissionserlös in Höhe von etwa 1,12 Mrd. €, was unter den Erwartungen lag. Aviva trennt sich im Zuge des IPOs nur von 42,8 % seiner Delta-Lloyd-Aktien und behält mit 53,0 % der Stimmrechte die Mehrheit an dem Unternehmen. Das Geld soll insbesondere für Zukäufe genutzt werden.

2011 und 2012 hat sich Aviva von weiteren Anteilen an Delta Lloyd getrennt und hält aktuell nur noch 19 % der Aktien.

Im Juni 2009 veräußerte der Konzern sein australisches Vermögensverwaltungsgeschäft Navigator für 825 Mio. A$ an die National Australia Bank.

Im Februar 2012 verkaufte Aviva ihren Gesundheitsbereich an das britische Unternehmen Capita.

Im Juli 2012 kündigte Aviva an, 16 Bereiche, die nicht zum Kerngeschäft gehören oder deren Gewinn unterdurchschnittlich ist, zu verkaufen oder zu schließen, um den Gewinn zu steigern. Dazu gehört auch der Bereich in Südkorea.

Im Dezember 2012 verkauft der Konzern Aviva USA an Athene Holding für 1,8 Mrd. $ zur Verringerung der Konzernkapitalanforderungen.

Astra Aviva Life wurde 2014 als Joint Venture mit PT Astra International Tbk gegründet. Das Unternehmen wurde gegründet, um Lebensversicherungsprodukte in Indonesien zu verkaufen und zu vertreiben. Diese baute auf dem seit 2010 bestehenden Geschäft von Aviva im Land auf. Am 18. November 2020 wurde die Beteiligung an dem Joint Venture in Indonesien verkauft.

Geschäftsfelder

Die Hauptaktivitäten des Konzerns sind Lebens- und Sachversicherung, langfristige Sparprodukte und Fondsmanagement. Aviva Investors hat Vermögen im Wert von 289 Mrd. £ unter Verwaltung.

Tochtergesellschaften

Aviva ist in folgenden Ländern vertreten:

Großbritannien
 Aviva Life - Lebensversicherung (vormals Norwich Union)
 Aviva Insurance - Schadensversicherer
 Aviva Investors - Fondsgesellschaft

Kanada - Aviva Canada

China - Aviva-Cofco

Frankreich - Aviva France

Hongkong

Indien - Aviva Indien

Indonesien

Irland
 Aviva Direct
 Aviva Health

Italien - Aviva Italia Holding-S.p.A.

Litauen

Polen - Aviva

Singapur

Spanien

Taiwan - First Aviva

Türkei - AvivaSA Emeklilik

Vietnam

Weblinks

 Website der Aviva plc

Einzelnachweise

Versicherungsunternehmen (Vereinigtes Königreich)
Unternehmen (City of London)
Unternehmen im FTSE 100 Index
Finanzdienstleister (London)


I have had a professional, personal and community relationship with Mark & Sandy for over 15 years. As a lender, I have worked with them on several construction projects and the experience for both the bank and the homeowner is excellent. I have also had the pleasure of working with them on numerous charitable activities and found them to be great leaders who willingly share their time, talent & treasure with others. It should also be noted that they support the building industry by being active and holding leadership positions in the Home Builders Association at the local and state levels.
I hold the Martin's and Sandmark Custom Homes in the highest regard and would recommend them to anyone looking to build or remodel a home.
Sandmark Custom Homes is grateful for all of our clients and their feedback to help our company to be the best it can be. We are thankful for the time we have been able to spend with Skipper working on many projects. If you're interested in starting a home renovation or building project along the Outer Banks, contact Sandmark Custom Homes at (252) 261-1123 or email us at sandy@outerbanksbuilders.com. We are happy to answer any questions you may have.


text:
package org.jbpm.process.instance;

import java.util.Map;

import org.drools.core.common.InternalKnowledgeRuntime;
import org.kie.api.definition.process.Process;
import org.kie.internal.process.CorrelationKey;

/**
 *
 * @author Kris Verlaenen
 */
public interface ProcessInstanceFactory {

    ProcessInstance createProcessInstance(Process process, CorrelationKey correlationKey,
            InternalKnowledgeRuntime kruntime, Map<String, Object> parameters);

}


Heinz Seafood Sauce made with tomato paste from fresh red ripe tomatoes, horseradish and spices, gives your seafood a boost with its zesty flavour! Try Heinz Seafood Sauce with shrimp cocktails, barbeque scallops, salmon, fish sticks and other seafood favorites. Available in 285 mL bottles.


text:
Home Gear
Is the Canon EOS RP the Best Value Full Frame Mirrorless Camera on the Market Right Now?
by Andy Day
Video of Canon EOS RP Review 1 Year Later
Whether it's enthusiasts looking to get their first full-frame or mirrorless camera, or seasoned professionals who need a backup body, the Canon EOS RP is a solid choice. This short video from photographer Brendan van Son explains all of the reasons that make it ideal.
The EOS RP was something of a surprise when it was launched a little over a year ago, especially at its price point which has continued to drop. You can now pick one up brand new for under a thousand dollars making it amazing value.
After running through a list of its valued features, as well as pointing out a few weaknesses, van Son makes an interesting point: when the EOS R5 is finally launched next month, will Canon continue making the EOS R? The RP has its place as a budget option, but the R, something I've described several times as the Lorem Ipsum of mirrorless cameras, won't fit that well into Canon's line-up, especially when the mooted R6 appears, it is thought, in July.
Clearly it's the most affordable full-frame camera, but arguing for it being the best value option might become trickier if and when the price of the Sony a7 III falls on the back of Sony's potential announcement of the a7 IV which may come in the next month or so.
Do you value your RP as a backup camera? Will you be hanging onto it for the foreseeable future? Leave your thoughts in the comments below.
Brendan van Son
Andy Day is a British photographer and writer living in France. He began photographing parkour in 2003 and has been doing weird things in the city and elsewhere ever since. He's addicted to climbing and owns a fairly useless dog. He has an MA in Sociology & Photography which often makes him ponder what all of this really means.
andyday.com
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Deleted Account - May 28, 2020
Given how minor the differences between cameras are these days, it would be difficult to argue that the cheapest option isn't the best value in its class.
Tony Northrup - May 28, 2020
I love the RP! It's just a great all-around shooter... The only problem is Canon RF doesn't have any cheap primes. Where's the nifty fifty and 85 F1.8?
David Pavlich Tony Northrup - May 28, 2020
Hey Tony....from what I've read, the R cameras do very well with adapted EF lenses. Did I read that wrong?
Tony Northrup David Pavlich - May 29, 2020
The only adapted lens we use regularly is the 24 F1.4, and that's just for video. It doesn't seem to focus as well as the RF lenses but it's good enough for us. Otherwise we haven't done EF testing since the latest FW updates.
Aron Simons Tony Northrup - June 5, 2020
I primarily use the Sigma Art 24 1.4, the Tamron 35 1.4 and the Canon 85 1.8 and all perform flawlessly adapted. I don't think I'll invest in RF glass unless they get realistic about the pricing strategy. Even then, with what I am getting out of Tamron and Sigma, I'll be content when they start making RF lenses.
Brendan van Son Tony Northrup - May 30, 2020
I agree. I really hope a nifty 50 is on the way.
Andy Day Brendan van Son - May 30, 2020
You have to wonder: will Samyang/Rokinon port their 45mm f/1.8 (currently for E-mount) before Canon releases its own nifty?
Deleted Account - May 28, 2020 [Edited]
What is the price point of those lenses again?
It's like printers, which are cheap, but then you pay a fortune in ink (yes, I comprehend lenses are not a consumable).
Olivier M. Mischon Deleted Account - May 29, 2020
APS lenses are legacy and now FF chipped AF lenses are consumables held together with hotglue and tape. No buy.
Erpillar Bendy Deleted Account - May 29, 2020
The RF 35mm is $449 at Amazon.
AJ L - May 28, 2020
If you want to shoot with a 35mm lens, sure it's a good value, but that's the only Canon RF lens that's not expensive, aside from the upcoming slow zoom (which kills the 24x36 frame's advantages). If you don't want to pay a lot, a lightly used 24x36 DSLR or APSC mirrorless would be better options.
Ronnie Belmont - May 28, 2020 [Edited]
I love my EOS RP :) it's my only camera! Had a nice little M6 (mark I) before it.
But what i'd really like for my RP is a budget portrait lens!
I found a nice EF 85mm 1.8 at 250€ (around last Christmas) and didn't buy it, I was waiting for an 85mm RF lens :) maybe with the R5 reveal they'll show us some cheaper lenses?
So far with the R cameras and RF lenses..."cheap" camera bodies, expensive lenses...maybe in July expensive camera body, cheap lenses? Am I hoping too much?
I don't know if the RP is the best value FF milc camera. When it was released it was burned to the ground. Probably you need a higher budget to enter milc FF with a good value camera. But as always it's all about the lenses. And that's where milc ff in general an Canon R mount in particular aren't good value for your money. Sure it's nice to brag about your ff gear on the internet but in real life no one cares and almost no one will see the difference. If you want value for your money and take into account that you need a camera and a few lenses: buy APS-C or MFT.
Shaun Carta - May 29, 2020
No it's not. The A7II is cheaper and just as capable, if not better.
Eric Salas Shaun Carta - May 29, 2020
And 4 years older. I don't use my A7ii anymore but would definitely recommend it before the Canon RP any day.
Erpillar Bendy Shaun Carta - May 29, 2020
Not as capable. Been there. Done that.
Aj Nicolas - May 29, 2020 [Edited]
Sold the 5D MKii and 24-105 for $800. Picked up The RP, RF 35mm and RF 24-105 for $1800 "Refurbished" with warranty...easy upgrade and super stoked.
Edo Photo - May 29, 2020
A very odd post. This cameras sensor is bottom barrel as far as FF bodies go, and was received extremely poorly, basically DOA on launch. The combination of a poor sensor and very limited feature set means that while it's a good budget camera for someone who is lacking other hardware, it's generally still not a good buy and will never be compared to the competition.
As with any body purchase, you have to (well, budgets permitting) think about the future, and this camera has no future whatsoever.
The m62 kills this camera on features alone. Put a full frame sensor in the m6 2 body and you basically have a competition destroyer.
Erpillar Bendy Edo Photo - May 29, 2020
The sensor is fine unless you do extreme shadow lifting. If you don't do extreme shadow lifting, the sensor will serve just fine.
Deleted Account Edo Photo - May 29, 2020
Yeah, well the M6 doesn't have an FF sensor so that's a bit of a moot point and even if it did, it would push the camera to be far more expensive than it is currently. Yes, the RP doesn't have a great sensor, but this is an article about value. As far as an overall package goes, there's no better value in full frame MILC at the moment that I can think of. Yeah, you might be able to get a stop or two of DR with another sensor, but that probably means shelling out a couple of hundred dollars extra, which is not likely worth it for the average shooter. You could also get better AF performance in another body, but again, probably not worth a couple of hundred extra dollars for the average shooter. Outside of certain niches such as sports photography, the RP will do just about anything you need it to respectably enough for most people. It's obviously not the best camera out there, but nobody is arguing that it is.
Eric Woods - May 29, 2020
I had and loved the RP especially with the 35mm f/1.8. Great camera. But I ultimately traded it when the A7II went on sale to gain IBIS for adapting older glass.
Kelly Martin - May 29, 2020
I think it's apples to oranges. The best value lies in whichever system you've already invested in glass-wise, and I think either the RP or the a7ii is that person's best bargain. Obviously if you're starting new you can argue the minor differences but both are solid budget cameras that won't do what a $4k camera will, but you know that buying it.
Personally I love the RP because I could use my EP lenses out of the gate, the RF lenses are AMAZING so far, I don't push the sensor enough for it to be troublesome, and the features on it are even more useful than I expected (I'm looking at you, iso ring). It's small, light, and does everything I need it to do, honestly my only complaint is I find it's max shutter speed a little lacking when I shoot wildlife. But that's probably my ONLY complaint. It's one of those weird, on paper it doesn't look like much, but in your hand, it just works kind of things.
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Goldman Sachs Appears To Have Been Quasi-Worried About Earnings Reactions
The Postreports that God's minions were so nervous about how people-- the kind who throw bricks through windows, set off bombs, etc-- would react to the news that they earned $5 billion in the fourth quarter that the bank brought in extra security as a precautionary measure. So scared (!!) Lloyd was that he brought in an entire carload of NYPD officers (FYI, that's anywhere between 1 and 4 guys, which on the high end would be a lot), a bunch of barricades, and one dog who was last seen "running laps" around the building. Let's take a closer look at the scene:
My god, look at those beefed up security measures. Lloyd must've been quaking in his boots to bring all that in. I know, to the naked eye it doesn't look like much but those barricades, stacked on top of each other? Nobody was gonna get around them, and if they did, the officer on duty would've taken care of business, provided he wasn't on break.
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COINTELPRO and the Omaha Two --An interview with Michael Richardson (tags)
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Revisit the 1988 Franklin cover-up child kidnapping, involvement of Bush Sr. in pedophile sex parties..
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Home/Designer/Poul Henningsen/Pendant light/Louis Poulsen/PH ARTICHOKE BLACK
PH ARTICHOKE BLACK
by Poul Henningsen, 1958
PH Artichoke in black is a Pendant light and at the same time a design classic by the Danish designer Poul Henningsen. The PH Artichoke is manufactured by Louis Poulsen as a licensed re-edition of the original from 1958. Originally designed in copper for the reconstruction of the Langelinie Pavilion in Copenhagen, the PH Artichoke pendant luminaire is now available in four stainless steel versions (brushed, polished, matt black, white), in glass, brass and copper. At TAGWERC, the official partner of Louis Poulsen, you purchase the PH Artichoke as a licensed original as well as all available spare parts.
Material Metal | Black lacquered
Energy classes THIS PENDANT LIGHT IS COMPATIBLE WITH BULBS OF THE ENERGY CLASSES: A++ TO E
ph-artichoke_48-cm_e27-100w_pendant-light_dimension_size_poul-henningsen_tagwerc__
1_ph-artichoke_pendant-light_black_1958_design_poul-henningsen_louis-poulsen_tagwerc
Shipping 2 Month
[ Ø ] Size
48 cm60 cm72 cm84 cm Clear
Truly a design classic and a masterpiece – the PH Artichoke pendant light by Poul Henningsen is known and recognized worldwide and is sometimes also called Cone light or PH Cone. Poul Henningsen, known for his pioneering work in the field of "glare-free light", was commissioned to develop a luminaire for the Langelinie Pavilion on the coast of Copenhagen, which does not lose its attractiveness even when switched off. In 1958 the time had come. The PH Artichoke attracted attention at the opening of the Bauhaus-style building, which housed a restaurant and the Royal Danish Yacht Club.
The shape of the charismatic lamp in black is reminiscent of an artichoke, this thistle-like cultivated plant from the Mediterranean area, from which it also got its name. For this purpose, Poul Henningsen positioned 72 metal plates, which in their function resemble leaves, in 12 rows around the core of the lamp, the light source. This type of design guarantees completely glare-free light – no matter from which perspective you look at the PH Artichoke chandelier.
Due to the special construction, the light is distributed both: inwards and outwards. On the one hand, the leaves shield the light source and also reflect the light at the same time. The excellent quality of light is also retained in the LED version of the PH Artichoke. The PH Artichoke is available in four different sizes: with a diameter of 48, 60, 72 or 84 centimeters.
In the TAGWERC Design STORE the PH Artichoke pendant luminaire is offered in all available versions from the licensed manufacturer Louis Poulsen. The TAGWERC Design TEAM knows: "Design icons live forever."
Textile cord/Steel cable length
Textile cable colour
The PH Artichoke Pendant light was designed by
Poul Henningsen is one of the most important Danish designers of the 20th century. With his designs and design works in the style of Functionalism and using innovative techniques, the native Dane was far ahead of his time. The designer and journalist was socially involved and focused on lighting.
Pendant light PH Artichoke
PH ARTICHOKE BRASS
PH ARTICHOKE COPPER
PH ARTICHOKE POLISHED STAINLESS STEEL
PH ARTICHOKE STAINLESS STEEL
PH ARTICHOKE WHITE


There has been plenty of focus on so-called vulture funds since they entered the Irish market following the financial crisis, but a decade on and despite all of the attention, much uncertainty and mystery still surrounds exactly who these funds are and what they are doing in Ireland.
When we refer to vulture funds, what we're essentially talking about are various forms of private equity firms and pension funds.
They invest across a series of asset classes, one of which is debt. The business model is very developed in the United States and elsewhere in the world, but here in Ireland we're still coming to terms with the concept.
Why are these funds buying mortgages that are in arrears?
In the wake of the housing crisis, all of the main Irish banks were left with a significant number of mortgages that were in arrears, with many of these loans going into long-term arrears.
For the most part, banks are not willing to write down debt for borrowers who are struggling to make loan repayments - and they arguably cannot be seen to be publicly making such concessions.
But, for a variety of reasons, banks need to reduce their exposure to bad loans on their books. The higher the ratio of bad loans to good loans a bank has on its balance sheet, the less financially stable that institution looks.
In addition, the European Central Bank has recently been putting more pressure on Irish lenders to reduce the number of non-performing loans they have on their books.
This is where vulture funds come into play. In many cases, banks are happy to sell large portfolios of non-performing mortgages to these funds, and generally at a significant discount when compared to the original value of the loans.
What's the issue with a vulture fund owning your mortgage?
Traditionally, the funds don't tend to stay around for too long. The business model in many cases sees them buy the debt at a discounted rate from a bank and either agree a restructure with the borrower - meaning they can sell the loan on at a profit - or else potentially seek to repossess the property secured against the loan and crystalise their profit.
Critics of vulture funds say they are not interested in negotiating with borrowers to help them restructure their loans so that they're sustainable, rather they simply want to get their hands on the discounted asset they've bought... the mortgage holder's home.
New Beginning is an organisation helping people in mortgage difficulty.
Its CEO, Ross Maguire, believes these funds are part of the solution to resolving the outstanding bad mortgage loans on banks' books.
"Banks are pretty hamstrung when it comes to dealing with non-performing loans. They can only do so much.
"Debt write-down is really not something banks like doing - for obvious reasons.
"If they give you debt write-down, how can they then the next day lend out money to people and expect and demand that it be repaid in full?
"They're very different creatures from banks, but they are, in my view, better suited to deal with non-performing loans. They have a track record, they have worked well in other markets in which they've dealt and they're working well in Ireland."
However, Mr Maguire says these funds are "more commercially driven" than a bank.
"They are more likely to be knocking on your door tomorrow as opposed to letting matters pass for very long periods of time."
There are around 14,000 mortgages where the borrower has been in default for five years or more - these are the borrowers most at risk of losing their home.
"Funds won't tolerate that sort of behaviour because they are commercially driven and time is an important part of their equation - they have to fix these loans quickly.
"You can expect to be dealing with the fund in a much more immediate manner than you would with a bank.
"They're more motivated (than a bank) to resolve non-performing loans.
"They also have a wider ability to do deals, so debt write-down is very much a part of a fund's world."
Do borrowers have anything to fear from vulture funds?
"I think borrowers who are keeping their head down and not paying have a lot to fear. I think if you're playing the game these funds will be more aggressive.
"At the same time if you're up for a deal and you're willing to make what can often be a sacrifice to make that deal work, you've nothing to fear."
On the terminology used in relation to vulture funds, Mr Maguire believes "the phrase vulture funds is used a lot now but what we're talking about really are pension funds or various forms of private equity.
"They invest across a series of asset classes, one of which is debt. This is a very developed model in the US."
However, CEO of the Irish Mortgage Holders Association (IMHO) David Hall is of the view banks are to blame for bringing about a situation where vulture funds have entered the Irish mortgage market.
He says vulture funds are "a symptom of a failed banking system and its lack of being able to resolve people who are in mortgage arrears.
"Banks through sheer incompetence and an unwillingness to engage and resolve those, and an obsessive compulsive disorder about not writing off any debt, allowed a situation develop where the European Union is insisting on action being taken years later."
Responding to the idea some borrowers are actually better off with vulture funds owning their home loan, Mr Hall said this "myth of 'you're better with a vulture fund' is absolutely factually incorrect. Vulture funds don't provide 87% of the 120,000 mortgage restructures that have been done heretofore. So, how is it if you can't pay your full mortgage are you going to have a chance of a restructure with a vulture fund?
"If you want to lose your home and have your debt written off, absolutely sign up to a vulture fund - best gig in town.
"If you want to stay in your home and are unable to make full payments on your mortgage, you've a big problem with a vulture fund."
He describes vulture funds as "despicable beasts where their sole interest is the asset, they're not interested in the circumstances of the family. It is purely a play on income".
What if a fund buying loans isn't regulated to do business in Ireland?
Many of the so-called vulture funds buying up mortgages from Irish banks would be international pension or equity funds, which in a lot of cases, would not be regulated to do business in Ireland.
Therefore these funds employ local third-party fund managers, who are regulated to do business in Ireland, to manage loan books on their behalf.
These intermediaries are commonly known as credit servicing firms (CSFs).
One of these CSFs is Mars Capital, which has been operating in the Irish market since 2014.
The company was acquired by FTSE-listed Arrow Global late last year, and the parent company is keen that Mars has a more open approach towards both customers and media.
Colin Maher is Chief Operating Officer for Mars Capital's Irish and UK operation and is based out of the firm's Dublin office.
He says the way his firm manages loans is "exactly as you would imagine that the banks in Ireland would do it.
"It's very much around the normal administration activity such as collecting payments and sending out loan statements - so a lot of what we do is quite routine.
"There are obviously accounts where customers are not maintaining their payments or are in arrears and our job is to engage with those customers on behalf of the loan owners and, again as a bank would do, engage with them to come up with a resolution option, to assist them with making payments or to agree a payment strategy to return them to a stable footing."
On the suggestion that funds are more interested in the home than the homeowner when it comes to dealing with borrowers, Mr Maher says the direction he has been given is to look for "sensible long-term solutions for customers.
"We're not in the business of looking to seek possession where the customer is engaged and where the customer is making a meaningful sustainable repayment.
"If the customer is willing to talk to us, if the customer is willing to pay what they can afford, we will engage with the customer for a long-term solution."
Are funds doing the banks' dirty work?
In response to the suggestion that vulture funds are doing the banks' dirty work, Mr Maher says "that more or less implies the funds and credit servicing firms are only interested in repossessions. Certainly for customers that are not paying, are not engaging with the fund or CSF, that unfortunately at times is the only option.
"However, we would consider it here, and I know a lot of credit servicing firms are the same, that it is never too late to engage.
"So that even if you're progressing through the courts, or prior to an eviction order being ordered, we will talk to people if they have a meaningful solution for us.
"While it is true to a degree to say the funds are doing work that the banks may not necessarily want to do - for various reasons - it is also important to say that that's not the fund's or CSF's sole reason to be in Ireland."
Are vulture funds looking for a quick turnaround?
Colin Maher says Mars Capital looks at the individual customer circumstances to determine what arrangement is right for that customer.
"That could be a longer term treatment, it could be a short-term forbearance, because don't forget sometimes customers only need a short-term arrangement to get them back to a sustainable platform.
"We are finding though with the nature of some of the non-performing loans that we have, and obviously the distress that people have been through, is that longer term treatments are required.
"And to be quite honest it is more beneficial for the consumer and for us if we can agree a sustainable level of repayment rather than pursuing aggressive repossession strategies, that it keeps the customer in their home, it gets a level of repayment in on the loan each month, and I think that is in everyone's best interest."
What's a vulture fund's view on debt write-down?
"We have considered debt write-down where a customer has voluntarily sold the property.
"If somebody unfortunately has decided to leave the property because the mortgage is unsustainable, and sells the property for a fair market value, we have on occasion considered the write-down of the residual balance.
"If the customer is staying in the property and they can't afford a large portion of it, we wouldn't necessarily consider a debt write-down."
How much power do credit servicing firms have?
"In general credit servicing firms are given delegated authority to make decisions on individual customers' accounts and I think that's important because as a regulated credit servicer you're the ones engaging with the customers, you're the ones who have to sit in front of the consumer and identify the best arrangement for them.
"My model outside has to be built so that it meets the requirements of all the codes, so to do that I need to have the necessary delegative authority from the loan owners to implement that model.
Do vulture funds have a PR problem?
"I can understand why both funds and banks would have a negative public perception and I think Ireland has been through a particularly difficult time. I think the crisis has been unlike what any recent generation has been through.
"I think that is turning ... with the work we are attempting to do as a CSF by engaging with customers.
"The perception that we would be seen to be doing vulture-like things in the Irish market is far from the case.
"We're following the MARP (regulatory Mortgage Arrears Resolution Process), we're following the regulatory codes, we're detailing the customer standard financial statement and having long conversations with the customers based on that.
"That to me is not vulture activity, that to me is what a bank would do."
Mars Capital also says it works with clients of debt-solution organisations such as New Beginning and The Irish Mortgage Holders' Organisation to reach sustainable agreements with borrowers.
Another commentator working in the sector who believes so-called vulture funds are playing an important role in the market here is Karl Deeter from Irish Mortgage Brokers.
Mr Deeter says the funds "quite often do deals that the banks won't do and that's the frustrating thing - there's massive write-down being done by these funds, and to me that's a very positive development.
"They're putting an end date - an end point - in situations that the banks have not had the courage or capacity to do. And sometimes finalising something is actually part of the solution. Now it might not end the way the person wants but this is an adult world where outcomes are based on decisions and consequences, not on what you want."
What rights does a borrower have with a vulture fund?
With regard to the rights of borrowers whose loans have been acquired by these funds, Mr Deeter says that "if you haven't engaged and you haven't been paying, you might find that the new buyer isn't going to sit on the fence and deal with 50,000 other problems and eventually get around to you.
"They might try and get you to the top of the queue, and that is an absolutely fair outcome for people who will not engage with the process."
However, he adds: "Your contractual rights are absolutely protected right the way through and the rules and laws of the way the Central Bank has designed this mean that whoever buys that loan - they might be unregulated - but the person who deals with you must be regulated and they must follow the regulatory process the same as if it was a bank, so there is no change in any way to your rights, obligations, and protections by someone different owning your loan".
Mr Deeter says Irish homeowners have very strong protection when compared with other countries.
"Just over 2,000 homes were repossessed in a country that experienced the biggest arrears and some of the biggest unemployment and biggest property crash of any country in the world.
"To come through that with such small numbers is evidence that we do everything to protect homeowners. We've the most protected homeowners in the world."
The Insolvency Service of Ireland (ISI) helps borrowers who are struggling to repay their debt and offers advice in reaching debt solutions with creditors.
About once a year the ISI aims to meet with banks, funds, etc. that own mortgages in the Irish market.
This process includes meeting with so-called vulture funds.
ISI Director Lorcan O'Connor says his organisation, in its discussions with vulture funds, makes sure the funds are aware of insolvency solutions available to borrowers here.
He says vulture funds have an "increasing role" in relation to the mortgage market here.
An estimated 40,000-50,000 mortgages are currently owned by vulture funds in the country.
Mr O'Connor says Ireland's personal insolvency regime is "groundbreaking" and nothing similar is tried anywhere else in the world.
"From the personal insolvency perspective, the legislation does not differentiate between whether or not your mortgage lender is the traditional retail bank or a fund - all of the protections are the same and you can get the same solutions irrespective of who your lender is.
"There are plenty of funds out there that would see huge value in a restructured loan because it is "brick and mortar and is therefore traditionally seen as a low-risk investment.
"Secondly a restructured loan would tend to have very high security relative to the loan amount, so there isn't the negative equity involved. Thirdly there's a steady income stream, and that is often attractive to pension funds or other funds that are looking for long-term returns."
Are vulture funds receptive to such proposals?
"Some of them are, I think it is also fair to say that some of them aren't."
Lorcan O'Connor says the legislation that we operate under "allows for court reviews and this is where creditors - including funds - don't agree with the PIP around a proposal that he or she may have tabled, and in those situations a debtor can go to the court and say 'judge, we believe this fund, or this bank, or this other creditor has been unreasonable and we want you to impose this proposal over their head'.
"We have seen some particular rulings dealing solely with the fact it is a fund rather than a retail bank involved.
On the suggestion that so-called vulture funds are considering longer-term debt solutions for borrowers, David Hall from the IMHO claims "they're under immense pressure, vulture funds at the moment. They'll say anything to keep everyone happy ... we've not seen any evidence of it.
"There are no new products or no new restructuring platforms being offered by any of the vulture funds and I think they'll say anything at the moment to give themselves a bit of a break."
Mr Hall says "you can't negotiate with a credit servicing firm, it's a third-party negotiation, it takes a lot longer."


text:
Tokelau est un village des Tuvalu, situé sur l'île de Nanumaga. En 2012, il avait 245 habitants.

Notes et références

Voir aussi

 Géographie des Tuvalu
 Toga (Tuvalu)

Ville aux Tuvalu


text:
Đurđa Adlešić, hrvaška političarka, učiteljica in novinarka, * 18. april 1960, Bjelovar, SFRJ.

Adlešič je v politiko vstopila leta 1990 in je bila ena od ustanoviteljic Hrvaške socialno-liberalne stranke v njenem domačem kraju. Poslanka je postala leta 1995. Leta 2000 je osvojila drugi mandat in postala podpredsednica stranke. Leta 2001 je postala županja Bjelovara. Leta 2003 je osvojila tretji mandat v parlamentu, za županjo pa je bila ponovno izvoljena leta 2005. Od leta 2006 do 2009 je bila predsednica hrvaške socialno-liberalne stranke.

Leta 2010 je Adlešič zapustila HSLS in se leta 2011 upokojila iz politike.

Glej tudi
 seznam hrvaških politikov

Živeči ljudje
Hrvaški politiki
Hrvaški učitelji
Hrvaški novinarji
Podpredsedniki Sabora
Podpredsedniki Vlade Republike Hrvaške
Župani Bjelovara
Člani Hrvaške liberalno-socialne stranke