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Cayman Finance News
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Future of offshore financial centres: the tax question
FATCA and its progeny have spawned a raft of intergovernmental agreements (IGAs) promising transparency to tax authorities around the world. Not to be outdone, prime minster David Cameron is pushing for beneficial ownership registries for the UK, the Crown Dependencies and the Overseas Territories.
New York University's John Blank and [University of] Virginia's Ruth Mason argue in a recent Tax Notes article that, taken together, these agreements and laws offer 'an aspirational new global standard for automatic exchange of information.' Does this mean the end of offshore financial centres?
No. Critics of offshore financial centres (OFCs), like US senator Carl Levin, the Tax Justice Network, and Oxfam, might wish it were so but the demand for offshore financial services will continue for three reasons.
First, jurisdictions like Bermuda, the Cayman Islands, Guernsey, Hong Kong, and Jersey exist for many reasons unrelated to tax avoidance.
There are certainly tax reasons for some offshore transactions by entities and individuals – as the recent raft of efforts by US corporations to merge with UK and Irish companies demonstrates – but there are also many such transactions that do not turn on tax issues.
For example, Harvard's non-profit hospital must put its medical malpractice insurer in the Caymans for non-tax reasons since Harvard is exempt from US income taxes.
Second, international trade is facilitated by tax-neutral platforms for aggregating capital – and that capital often flows into the same jurisdictions that are passing laws like FATCA and talking about creating public registries.
For example, Jersey Finance recently published a report by Capital Economics that showed that investment through Jersey into the UK produced £2.3bn in tax revenues each year and supported 180,000 British jobs.
Not surprisingly, Cameron rejected the 'tax haven' label for the Crown Dependencies and Overseas Territories in remarks in parliament in June.
Similarly, the US benefits from the billions of dollars of non-resident foreigners' deposits – $6.7bn (£4bn) in Miami alone, according to one estimate – the interest on which is not taxable under US law.
As OFCs do a better job of documenting those benefits, which they will be able to do as the push for transparency yields new data on financial flows, onshore politicians like Cameron will become more cautious about choking off important sources of investment.
Third, there are many countries around the world where the rule of law is absent or where business law is underdeveloped. Access to jurisdictions that offer sophisticated and honest courts, certainty of legal interpretation, and up-to-date statutory and regulatory frameworks enables businesses to invest in those countries despite the investment targets' legal systems' flaws.
For example, considerable investment in to China goes through the British Virgin Islands and Hong Kong while a large amount of investment into African economies flows through Jersey. Investors use these offshore jurisdictions in part because they offer more sophisticated legal systems and better courts. BVI has both respected regulators and an efficient administrative system; Hong Kong's courts are among the world's best; Jersey has hundreds of years of precedent behind its trusts law.
These types of advantages both give investors confidence in their legal advisors' predictions of how possible disputes will be resolved and that unanticipated problems will be able to be addressed fairly.
These smaller jurisdictions are specialists in law and can outcompete larger jurisdictions precisely because they are small enough that winning international investors' business matters to the local economy. It is no accident that advances in law concerning subjects as diverse as insurance, investment funds, and trusts come from smaller jurisdictions.
The same is true of competition within the US. For example, Delaware's corporate law is widely regarded as the best in the US and its judges are acknowledged to be among the most sophisticated and respected on corporate law issues.
Winning and keeping the corporate services business matters to Delaware's economy, and so to its government, in a way that it could never matter to the vastly larger California economy or government. The same is true of OFCs relative to larger economies.
Developing economies
This is critically important to investment in developing economies, which desperately need inbound investment. Suppose a group of investors from multiple countries are seeking to structure an investment into a developing economy.
These investors need to create a vehicle that shares the risks and rewards of their investments, that provides a governing structure that enables them to adjust their business strategy to unforeseen events, and that creates a forum in which to resolve any future disagreements.
This in turn requires a well-developed business law framework governing the type of entity they choose for their venture and an honest, sophisticated court whose decisions are reasonably predictable. In many respects, the role of an OFC in such a transaction is to export the rule of law to places where it does not yet exist by providing rules and decision makers capable of addressing these issues. Moreover, investors want the level of comfort a serious regulator provides.
To meet investor demand, successful OFCs are engaged in upgrading their regulatory capacity, not reducing it.
This blog is an extract from an article originally published in Accountancy Live.
Barclays set to unveil technology that will identify customers using the veins in their finger
Maples Fund Services acquires Vistra Fund Services' Hong Kong and Singapore offices
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Click the link below for an interview with Alex Sager, presented by NW Boomer and Senior.
The Department of Philosophy at Portland State University aspires to develop our student's critical thinking skills, to enhance their ability to deal rationally with normative issues, to extend their understanding of interdisciplinary questions, and to strengthen their grasp of our intellectual history and of our culture in relation to others.
Your organization can assist us in this exciting and positive opportunity that affects not only our youth but the future of social discourse. Your economic contribution will help us provide keynote speakers, catering, educational supplies, and other items that will expand students' learning experience and overall enjoyment of the venue and event. You can donate to the Oregon High School Ethics Bowl by following this link.


Getting to know a TD exec in 60 seconds.
Working on another customer story: Calgary based STARS. See it in action here.
Putting together a customer story for Esri Canada, about the City of Surrey, B.C.
On assignment in Seattle, Washington, for the National Truck Equipment Association. I'll be producing a video that will play at the Work Truck Show in the spring. See it here.
For Lighthouse Program for Grieving, I helped out on video that will be used as an event "Opener" and assist in fundraising. Avid cyclists will gather for the cause. Pictured here is part of the shoot at the Mattamy National Cycling Centre in Milton Ontario.
Revised a video to help promote Esri Canada's slate of fall User Conferences.
Did some promotional work, covering a surprise showing of The Conjuring 2, on Friday the 13th. A treat for horror fans.
Was at RFID Journal LIVE! in Orlando this week. Will be creating a number of videos to promote their show next year in Phoenix. I produced my first RFID related video in 2002, and I've covered every RFID Journal LIVE! since 2006.


Chanyeol, a washed up pianist and child prodigy, longs to revive his genius with a new sonata, to be performed with the accompaniment of a ballerino. When he appeals for a dancer to perform alongside him, Kim Jongin, professional ballerino with the Paris Opera Ballet who longs to break free of background roles, answers the call.
Aubade; either means a morning love song or a song about lovers separating at dawn.
And in which Byun Baekhyun is too obstinate to listen.


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Edey & Duff president dies at 62
David Davignon, president of Edey & Duff, died Dec. 14 at St. Luke's Hospital in New Bedford, Mass. He was 62.
"The Edey & Duff family of owners, employees and customers are deeply saddened," said Kathy Harding, of Harding Boat Works, the principal owner of Edey & Duff, in a statement. "We have lost a trusted leader, a respected professional and a true friend."
Hired as a fiberglass technician in 1970, Davignon soon became indispensable to Peter Duff, rising through the ranks to become president. He worked on all the early products, the Stone Horse, Dovekie and Shearwater, and he was central to introducing the Doughdish, Stuart Knockabout, Conch 27, Sakonnet 23, Fatty Knees and Beetle Whale Boat.
"He had a great memory. He learned, he remembered and he passed it on," said Ed Pavao, who had worked closely with Davignon since 1973.
Davignon was most recently reviewing new additions to the product line and working with Harding Boat Works to negotiate long-term leases to secure the future of the Aucoot Cove facility.
Click here for the obituary and funeral arrangements.
David Davignonedey & duff

redpajama_set_name: RedPajamaCommonCrawl


If you're looking to discover somewhere new, look no further than Martiherrero. Whether you're planning to stay for a night or for the week, the area around Martiherrero has accommodation to fit every need. Search for hotels in Martiherrero with Hotels.com by checking our online map. Our map displays the areas and neighbourhoods around all Martiherrero hotels so you can see how close you are from landmarks and attractions, and then refine your search within the larger area. The best Martiherrero hotel deals are here with our lowest price guarantee.
Where are the best places to stay in Martiherrero?
When is the best time to visit Martiherrero?


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Top News in Payments: Mastercard Pilots Digital ID Verification Program; PayPal's Bill Ready to Join Google
In today's top news in payments, Mastercard announces the launch of a new digital identification program that can instantly authenticate someone's identity, and Apple's Tim Cook defends monopolies. Also, Bill Ready, formerly PayPal's chief operating officer, is set to join Google as president of commerce.
Mastercard Pilots Digital ID Verification Program In Australia
Digital transactions are continuing to grow in usage around the world, but digital identification is still largely underused. That's why Mastercard is introducing a new digital resource that can instantly authenticate someone's identity in a secure manner, removing the need for any physical documentation. The company will pilot the program in Australia with Australia Post and Deaking University.
Apple's Tim Cook Says Not All Monopolies Are Bad
Monopolies aren't bad — if they aren't abused, according to Apple CEO Tim Cook. For Cook, the presence of dominant players does not equate a lack of healthy competition. But he'll leave it up the regulators to decide if — and which — companies are abusing their power.
PayPal's Bill Ready To Join Google As President Of Commerce
Bill Ready, the former PayPal chief operating officer, is joining Google in January as its new president of commerce. He will be focusing on Google's commerce products and working closely with the advertising and payments departments.
Robinhood Rolls Out Interest-Earning Bank Account
Online brokerage startup Robinhood launched a cash-management feature that gives customers 1.8 percent interest on any money that they don't invest in stocks. The feature is offered in partnership with a bank, which differs from the unsuccessful checking and savings account product they launched last year.
Visa: US Contactless Payments Primed For A Big 2020
On Wednesday, Dec. 11, New York's Penn Station was added to the list of MTA stations accepting contactless payments. This marks the end of the pilot program launched by Visa, Chase, MTA and other industry leaders, and the beginning of a continuous rollout, which Visa's Dan Sanford says is just the beginning for contactless in the U.S. market.
Monetizing Payments Data In The Age Of IoT
In this podcast, Karen Webster and Daniela Mielke, CEO of RS2, discuss the advantages of monetizing data for independent software vendors (ISVs) and merchants — and why now is the "tipping point" for smaller firms to cash in on accessing and using data that can vastly improve customer interactions.
Related Items:Apple, Bill Ready, digital identity, Featured News, Google, MasterCard, News, PayPal, RS2, Tim Cook, Top News, Top News In Payments, Visa
ECB Head Calls For Clear Goals On Potential Crypto
Delta Takes Minority Stake In Private Jet Startup Wheels Up


Historically, banks use a ratio called 28/36 to decide how much borrowers could borrow. An approved housing payment couldn't be more than 28 percent of the buyer?s gross monthly income, and his or her total debt load, including car payments, student loans, and credit card payments, couldn't be more than 36 percent. (In Canada lenders apply similar formulas to determine how much a buyer can afford. The Gross Debt Service ratio, or GDS, is not to exceed 32 percent of the buyer?s gross monthly income, and the Total Debt Service ratio, or TDS, is not to exceed 40 percent of the buyer?s total debt load.) As home prices have risen, some lenders have responded by stretching these ratios to as high as 50 percent. No matter how expensive your market though, we urge you to think carefully before stretching your budget quite so much.


a) a new Attendance Registers feature for both session & lesson registers.
This feature is initially available as a free trial.
After Easter 2016, it will require an additional licence.
Related to these changes, you will also need to update SDA Link to the latest version (537) also released today.
School Data Analyser has just been updated to version 5168.
a) New monthly/weekly/daily calendar forms and reports.
There have also been a number of improvements and bug fixes to existing features.
In addition, the CEO program updater has itself been updated!
A new version of SDA Link has been released.


We have hundreds of amazing corn maze designs to add a personal touch to your maze. With new corn maze designs added each season, you'll be the talk of the town when people see your maze!
Click here for a comprehensive list of maze designs. The highlighted themes are clickable links to maze imagery. This list is best used as a companion to our Corn Maze Image Catalog.


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Academy, Air Quality Science, Blog Posts
Traffic & Air Quality – The Influence of Mobility on Urban Air Pollution
Air pollution is the greatest environmental health risk, killing approximately 7 million worldwide every year. Ambient air pollution accounts for 4.2 million of those deaths, of which traffic and mobility are a major source. Global transport carbon dioxide (CO2) emissions in 2018 totalled 8 billion tonnes, of which 74% came from road vehicles. Given that 55% of the world's population live in urban areas, which tend to have the most traffic, city dwellers are at highest risk with the resulting air pollution. Let's take a look at the relationship between traffic and air quality, and how that's developed over the years.
How does traffic contribute to urban air pollution?
The petrol and diesel engines of cars emit pollutants such as carbon monoxide (CO), nitrogen oxides (NOx), particulate matter (PM), sulfur dioxide (SO2), and volatile organic compounds (VOCs) that contribute to poor urban air quality. Even electric vehicles can contribute towards air pollution if the energy they use is generated by conventional means, such as coal power plants. Additionally, friction from tires and brake wear create primary PM emissions. The nitrogen dioxide (NO2) and VOCs released by road vehicles undergo photochemical reactions to form ground-level ozone (O3), otherwise known as photochemical smog in cities.
What is the health impact of air pollution from traffic?
People who live near roads with heavy traffic within a 300-500 metre distance are particularly vulnerable to illnesses such as childhood asthma, impaired lung function and cognition, premature death and death from cardiovascular diseases. They are also at a higher risk of developing chronic obstructive pulmonary disease (COPD) and dementia.
How has air pollution from transportation developed over time?
In the United States, the Clean Air Act of 1970 gave the then-newly-formed Environmental Protection Agency (EPA) the legal authority to regulate emissions from cars and other forms of transportation. As a result, lead was eliminated from fuels, sulfur levels are 90% lower than prior to regulation, and new vehicles are 98-99% cleaner for most common pollutants compared to those from the 1960s. Every $1 USD spent to reduce emissions from mobile sources results in $9 USD of benefits to public health, the environment, productivity, and consumer savings. By 2030, EPA air quality emissions standards for vehicles are expected to annually prevent 40,000 premature deaths, 34,000 avoided hospitalizations, and 4.8 million lost work days. However, today, the transportation sector still remains responsible for 55% of total NOx emissions in the country.
In the European Union, sulfur oxides (SOx) emissions from road transport have dropped by 99%, non-methane volatile organic compounds (NMVOCs) by 89%, carbon monoxide (CO) emissions by 88%, and nitrogen oxides (NOx) by 60% since 1990. However, primary PM2.5 emissions from braking, tire wear, and road abrasions have increased by 22% since 2000. In 2017 specifically, non-exhaust PM2.5 accounted for 46% of emissions from the road transport sector.
What does the sustainable future of mobility look like?
Overall, air pollution generated by traffic has decreased over the years across many nations thanks to environmental legislation and developments in vehicle technology. These include diesel particulate filters, which capture soot in order to reduce tailpipe emissions, and electric vehicles. Both still contribute to air pollution, however. As such, there is still much to be done in the way of improving mobility for future smart, sustainable cities. Research has shown that creating infrastructure for vehicles actually encourages people to use them more, thus exacerbating traffic. The best solution, then, is to invest in infrastructure and legislation that increases the quality of life for individuals.
Development strategies that have proven successful for the transport sector therefore include:
Establishing tax schemes to discourage diesel vehicles
Improving reliability, affordability, and accessibility of public transportation
Encouraging walking and cycling by improving pedestrian and bicycle paths
Limiting and charging for urban parking options to discourage traffic in cities
Prioritizing compact development of urban spaces to reduce vehicle travel demands
Establishing low emission zones
Implementing congestion charges to discourage driving
Investing in vehicle and fuel technologies
A comprehensive air quality network is imperative in order to best assess the effectiveness of these initiatives and support urban planning initiatives. At Breeze Technologies, we provide a solution that monitors and improves air quality of cities. Our proprietary sensors measure for all major air pollutants emitted by traffic. The sensors are small and compact, perfect for deployment on street lights and other city infrastructure. They provide real-time hyperlocal air quality data, which is then analyzed and presented on our Breeze Environmental Intelligence Cloud. Municipalities can thus track urban development activities, immediately identify issues, and make improvements to their strategies for a more sustainable mobile future. Contact us today for more information!
Tags: Air Pollution, air pollution sources, air quality, mobility, traffic
https://www.breeze-technologies.de/wp-content/uploads/2021/09/alexander-popov-Xbh_OGLRfUM-unsplash-scaled.jpg 1707 2560 Robert Heinecke https://www.breeze-technologies.de/wp-content/uploads/2017/04/Breeze-Logo-Header.png Robert Heinecke2021-11-05 09:00:392021-11-04 18:00:19Traffic & Air Quality – The Influence of Mobility on Urban Air Pollution
Not all particulate matter is equal – why some particulates are more dangerous... unsplash.com / Tuva Mathilde LølandEverything to know about Volatile Organic Compounds (VOCs)


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Browsing: Syriac Orthodox Church of Antioch
Patriarch Ignatius Aphrem II & Patriarch John X
Patriarch John X of Antioch Calls for Unity with the Syriac Orthodox Church of Antioch
By Webmaster on June 27, 2021 Governance & Unity News, Governance Top Stories
Source: OCP Pan-Orthodox Media Network Lebanon: Patriarch John X of Antioch has urged unity with the Syriac Orthodox Church. The Primate of the Antiochian Greek Orthodox Church was speaking at the consecration ceremony of the Syriac Orthodox Archbishops in Lebanon (25/6/21). Patriarch said he was hopeful in evading obstacles to achieve unity with the Syriac Church. According to a report published by the official portal of the Syriac Orthodox Church Patriarch John X in his speech stated that "I assure Your Holiness that your celebration is ours. When I heard the Homologia, except for the part about the ecumenical councils, I felt as if I am…
Official statement from the Committee of the Syrian Orthodox Patriarchate concerning the two Archbishops Yohanna Ibrahim and Boulous Yazigi
By Webmaster on July 29, 2013 Orthodox News, Orthodox News Top Stories
Source: Marthoman TV One hundred days since the abduction of the two Archbishops Yohanna Ibrahim and Boulous Yazigi On Monday, April 22, 2013, which has become known to everyone, His Eminence Archbishop Mar Gregorios Yohanna Ibrahim of the Syrian Orthodox and Boulous Yazigi of the Greek Orthodox church were kidnapped at the hands of an unknown group near the Turkish-Syrian border between Aleppo and Antioch. The two sister churches have publicly and in private and continue today to exert every effort at local, regional and global levels. These efforts concentrated on all types of communication with honorable ministers, members of parliament,…


I've decided to remove my feed from Planet PHP because of some small minded commentors (Jani and David Rodger). I would like to thank everyone who has read my blog on the planet php feed and I hope I have provided some useful information. If you didn't think I was relevant to PHP Planet you now have your wish.
The entry 'Thank you and good night Planet PHP' was posted on September 5th, 2007 at 1:16 pm	and last modified on September 5th, 2007 at 1:25 pm, and is filed under php. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.
No reason to get so worked up about a couple comments. I'm sure the majority of your visitors appreciate your writing (I'm one of them).
Keep up the good work Gareth! Don't let the mindless minority get you down.
And Ronald if you're reading, I'm sorry you had to do away with your comment functionality, I still read all the new stuff on your site.
I've made up my mind though, I'm removing the site from the planet php feed. I don't mind answering valid questions or good points but mindless rubbish gets me down.
I'm doing blogging to interact with some clever people, which I've really enjoyed and it is a shame that some people can't open their eyes a bit and realise that the stuff I posted can be applied to their applications.
So from now on I'll only post on the web security feed which is a shame because other people will probably miss out but I do have a short fuse.
What a shame… 🙁 – luckily it only takes 2 seconds to add your feed!
>> appreciate your writing (I'm one of them).
Jani my article was on the context of security. This is important to secure your PHP applications. If you had read the whole article you would have understood that it provides the reader with knowledge on how to exploit and think about applications from a hacker point of view. Exploiting your PHP applications is the only way to provide good security for your users. If you don't think that's relevant then….enough said.
Nice to hear from my readers and not just useless comments which get me down.
Why don't you tag your PHP posts with "PHP" and submit a feed for that tag to Planet PHP?
Gareth thanks for your posts so far. Keep them comming.
Added your site to my daily list. It was convenient to read it through planet-php. But it doesn't really matter from what feed it comes. It's the source that counts.
My feed can be retrieved through Planet Web security if required.
I don't want to stay on a site which people think my stuff isn't relevant. They can filter the content in their readers but they still choose to post useless comments on my blog when I spend the time to write this stuff in order to provide I hope useful information.
My post was tagged with PHP because I thought it was relevant for developers because they need to know how to hack their own stuff.
I feel strongly about these views and if someone questions it or implies that my stuff doesn't work without any foundation then I will take action. People will lose out but the real fools will be highlighted.
Thanks everyone who posted support, you made me feel much better. I've not had much sleep and I spent a bit of time preparing that article and when I received just those 2 comments, 1 telling me security isn't relevant to PHP and the other implying that my exploit didn't work and was just google ad words spam, I was understandably annoyed.
I'm staying on the Planet PHP feed but I will no longer post security related stuff to it. So I'm sorry if any new novice developers miss out if they find the Planet PHP feed but you can always grab the security feed from here.
Did I say the hack wasn't serious? Did I say it was non-existent? Did I say your post wasn't relevant? I said none of these things.
And Jani, it's his blog, not a democracy. He can do as he wants, including unjustifiably slagging me off! I hope he has the good grace to publish this qualification but I can't and won't force him to.
My copy of Safari (version number included in my comment) does not display the behaviour implied in your description. What that behaviour should be exactly I don't know, but i assume from the JS I should have had an alert.
Now if you'd said "Safari preferences must be set as follows…" or "only on this version and lower/higher/sideways", it might have accounted for it. I suppose I should have anticipated that my "Hmm" might be misinterpreted by the [ahem] "mindless minority".
I did over react because I was tired but it was your mistake. I assumed that people would have the intelligence to read the address bar before leaving a comment about it not working on a non-beta product.
I apologise unreservedly to you Gareth. You did talk about the beta. What I was worried about, I suppose, was that such exploits were in earlier versions of Safari and maybe no one had noticed. Your reference to "Apple software update appeared with news of a new beta of Safari" gave me the impression that what preceded was not entirely about the beta (or an earlier beta).
My real mistake is assuming that Apple was unlikely to introduce new bugs into a newer version (it's supposed to be an improvement isn't it?). Don't know why; an expectation, after years of using Apple products, that it will just work. But it's happened with PHP releases plenty of times. No reason why anyone else wouldn't experience it.
I don't actually want to have to think too hard about this stuff. I just want it to work. It's hard enough worrying about my PHP code and user input without considering browser hacks. But then the CSS folks probably similar things about MSIE.
Thank you David no hard feelings.
We all make mistakes and I must have misinterpreted your comment for being nasty when it probably wasn't. Sorry about that.
Yeah that's why I did take offense to Jani because of all the other unrelated stuff on there, yet he chose to leave a comment on my blog, which I thought was a waste of mine and everyone else's time.
But hey it's not PHP related eh? See how silly some people are.
The reason I hate coding w/ web-types most of the time is this attitude "of I just want it to work." If you want it to work, then write correct code. The trouble is, you don't "just want it to work"– you want to get a lot of result w/o much effort or thought.
I'd check out a different career field.
That last comment was supposed to be a reply just to David Roger comment (#18), but it showed up as a comment on the whole article… my bad.
Maybe it's just Safari, Tom, but I don't see a mechanism for indicating that your reply is to a specific post (unlike, say, Serendipity on Stefan Esser's site).
>If you want it to work, then write correct code.
Tom, do you write code for the web, where this vulnerability and its consequences would become evident? If you're not a "web type", I'm impressed that would have spotted it in a nano-second (as opposed to the long, hard slog Gareth put in to find it). Incidentally, what is it of yours that is bad?
Gareth, could you tell us whether you think what the Safari beta does is what it (or any browser, for that matter) ought to do?
Well every browser should deny access to write access things like the document object. Firefox's behavior in this matter is the best.
But this specific vulnerability is the way Safari handles local files, it seems that if a file is run locally or fooled into thinking it is local then the cross domain policy seems to go out the window. Hence why I could access data from other domains.
I would recommend everyone uses an alternate browser until Apple release a fix for the beta as this vulnerability is extremely dangerous, it would be possible to hide the iframe and perform any action on any web site and retrieve data as that person.
Normally I would have reported this to the manufacturer before releasing it to the public but Apple's attitude deserved otherwise.
I've been educated and entertained by your posts, and will be subscribing to your own feed.
Richard thanks a lot, it helps a great deal if I know people are learning or enjoy my posts.
Gareth- I never have gotten around to saying "thanks" for such an *informative* blog. Most blogs seem to focus on sound bytes– I think this one focuses on, well, focused substance. Not for everyone, but great for those it is for.
Thanks Tom much appreciated, I always blog about the stuff I'm passionate about and that's why I find it easy to do, you're right it's not for everyone but I'm not trying to appeal to everyone, I just want to share knowledge and talk to clever people.
In the last few months I've talked to some outstanding programmers and starting blogging was probably one of the best decisions I've made.
Of course I wouldn't have spotted the problems with that vulnerability without careful investigation, if ever! In security, people often have their own technique for finding particular types of problems. Also, just because I strive to write correct software doesn't mean I do it. However, we do have a responsibility to ensure our software does what we claim it does, and most software products claim to be secure.
BTW- I don't intend to get involved in a flame war that clogs up this blog… good luck doing your thing.


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MTU Engines for Fred. Olsen's New Fast Ferries
Two new high-speed ferries to be run by Spanish ferry operator Fred. Olsen are each to be powered by four MTU 20-cylinder 8000 M71L engines from Rolls-Royce. The ferries will be 117m trimarans, designed by Austal Australia, and are to ply the waters around the Canary Islands from 2020. (Image: Rolls-Royce Power Systems)
MTU's most powerful engine, the 20V 8000, delivers 9,100 kW of power at 1,150 rpm. The trimarans will be able to travel at speeds of up to 38 knots. (Image: Rolls-Royce Power Systems)
Two new high-speed ferries to be run by Spanish ferry operator Fred. Olsen, S.A. are each to be powered by four MTU 20-cylinder 8000 M71L engines and by Kamewa waterjets from Rolls-Royce. The ferries will be 117m trimarans, designed by Austal Australia, and are to ply the waters around the Canary Islands along with the world's largest aluminum fast ferry in operation, the Benchijigua Express. It is also planned to sign a maintenance agreement for both new ferries for a period of up to 8 years and a maximum of 24,000 hours of operation. The Benchijigua Express has been in service since 2005 and is also powered by MTU Series 8000 engines.
Ivan Fernandez Martinez, technical manager at Fred. Olsen, said, "The Benchijigua Express is a prestigious vessel in the world of fast ferries. It ticks all the boxes in terms of our high demands for power, speed and passenger satisfaction. On the back of this positive experience we have decided to install MTU engines in our new trimarans as well. These engines will be in service round-the-clock, and we need the best possible efficiency and fuel consumption coupled with low levels of downtime. We know MTU can deliver on this. Since being launched into service back in 2005, the Benchijigua Express hasn't had a single passage canceled by engine issues."
Matthias Vogel, Executive Vice President, Service, Network & Business Development at Rolls-Royce Power Systems, said, "We're delighted to have been chosen to supply the engines for Fred. Olsen's new trimarans now as well. We will continue to provide superb customer service. Our MTU maintenance agreement is a very important tool in meeting these standards. Fred. Olsen is planning to finalize a similar contract for the new vessels. By so doing, we are ensuring that expert staff, spare parts and tools will be on hand – on location – when any maintenance is required. We are also taking the financial risk for planned maintenance and unplanned downtime."
The maintenance agreement is planned to run for a term of up to eight years and a maximum 24,000 operating hours. Fred. Olsen is now renewing the Benchijigua Express' MTU maintenance agreement for the third time already. The first agreement was signed back in 2004 when the ferry was still under construction.
The two new vessels are being designed and built by Australian shipyard Austal which was also responsible for designing the Benchijigua Express. Ben Marland, Vice President Sales and Marketing at Austal, said, "After working together so successfully on the Benchijigua Express, we're partnering once more with Rolls-Royce for Fred. Olsen's two new state-of-the-art 117m trimarans. In all, we've now built twelve high-speed ferries equipped with MTU Series 8000 engines, plus many other MTU-powered vessels. These units boast high power density, so when coupled with our unique trimaran hull form, you get super-efficient ferry performance - allowing customers to carry more passengers, cars or trucks at higher speeds and lower cost."
Each of the four engines in the new ferries will deliver 9,100 kW of power at 1,150 rpm. The trimarans will be able to accommodate over 1,100 passengers and up to 276 cars, and will be able to travel at speeds of up to 38 knots. Both ferries are to be delivered and undergo commissioning in 2020.
• Austal • Canary Islands • ferry operator
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EVINRUDE 75 HP E-TEC 75 HP
MERCRUISER QSB5.9 230 QUANTUM STERNDRIVE
Marine Engine
MERCURY 115 HP 4-STROKE 115 HP
ABC Diesel Engine type DX
Pumpman
First Radio Electronics Technician (IAT)


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More than you ever wanted to know.
My Dad was the band director of a nearby school in small town upstate NY. Though he was a multi-instrumentalist, his first love was the saxophone. Growing up in a musical home I quickly gravitated towards percussion. As far back as I can remember – I spent much of my free time building drum sets out of household objects. I was always trying to recreate the different sounds I heard on the records that played around me.
When I was four, my brothers and I pooled our money to buy what would be my first album: Kiss Alive 2. While listening to that record it became immediately clear to me: I wanted to be a rock drummer. That dream never faded.
I finally graduated from pots and pans to my first drum set when I was 11. Having no formal training I learned by playing along to my favorite records, emulating the drummers who inspired me. I never missed an opportunity to play in any type of band or show that would have me. While a lot of kids were out enjoying an active social life, I was in my basement obsessing over music, flipping through my record collection, studying every note, imagining myself as part of something so creative and powerful.
I realized I'd only ever be happy playing drums. Upon graduating from high school, I left Arkport, NY to study at Musicians Institute in Hollywood, CA. 18 years old and so far from home, I never wondered if I'd made the right choice in leaving. While missing my family was a struggle, my experience at MI was a revelation.
The time I spent at music school is where I really felt my playing open up and begin to develop. I went in passionate, yet mediocre: someone who could play other people's music, but had very little sense of himself. I left transformed, with a new confidence in my own playing and creativity. Taking classes with greats like Joe Porcaro, Ralph Humphrey, Chuck Flores and Efrain Toro was mind-blowing for me. I spent every waking hour at the school, practicing, performing and soaking up as much knowledge as I could. The teacher I clicked the most with happened to be Ray Luzier (drummer for Korn, David Lee Roth, Army of Anyone). We actually ended up being roommates for a few years and he is still one of my dearest friends.
Graduation from MI felt devastating, like leaving home for the second time. I stayed in L.A. and spent the next few years working odd jobs to pay bills while playing with any bands I could find around town.
My first big break came in 1998 when I was asked to join the punk rock group Face To Face. Over the next six years, I traveled the world and recorded four studio albums, three EP's and a live record with the band. With Trever, Scott and Chad, I boarded my first tour bus, my first international flight and had my first professional recording experience.
During my tenure with Face To Face, I also had a four year run with Saves The Day, a highly influential band from the post-punk and hardcore scene. I spent two years juggling both group's crazy schedules and at one point played seven shows in three days over one weekend in England. During my time with Saves the Day, I recorded two studio albums and an EP.
At the end of this experience I was burned out and emotionally exhausted. I took a break from music all together and, for the first time ever, pondered whether or not music was still what I wanted to be doing.
I turned down quite a bit of work while figuring out what to do next. After a few months, a good friend recommended that I meet with The Offspring. In an instant we clicked both musically and personally. My passion for music was reignited and nearly a decade later I'm still just as excited. It has been a privilege to play the biggest stages in the world with them and record with legendary producer Bob Rock on the album "Days Go By" and the #1 rock single "Coming For You." In addition to being a multi-platinum act, Dexter, Noodles and Greg K are three of the greatest guys I've ever known. I'm lucky to call them friends.
Over the years, I've also had the pleasure of working with a few of my all time favorite artists, including recording sessions with Rob Halford from Judas Priest, and Chris Shifflet from Foo Fighters, as well as tours with Devo, My Chemical Romance and Alkaline Trio. Some of my fondest memories are from the side projects and fill in work I've done.
I look forward to what the future holds as I continue my own growth and development through music.


A financial advisor can help increase your chances to meet your financial goals, through proper portfolio construction, financial planning and counseling. Additionally, CERTIFIED FINANCIAL PLANNING PROFESSIONALS™, like myself, are well suited to handle the more complex financial situations one might face.
What makes you different than other managers?
Expertise: In addition to being a CERTIFIED FINANCIAL PLANNING PROFESSIONAL™ with over ten years in the financial services industry, I've advised and worked with client during some of the most challenging periods like the Great Recession.
Fee-only: Our objective is to create long term relationships and in doing so, offer you advice that serves your best interest vs. commission-based products that may not fit your needs.
Transparency: Our firm must file a Form ADV with the Securities and Exchanges Commission describing how we do business and how we are compensated.
Third Party Custodian: We house all of our clients' assets at a third party custodian. This process increases checks and balances between our firm and the custodian. We offer well recognized custodians with branch offices located across the country.
Technology: We leverage the newest technology to ensure ease of access to your information 24/7.
Do I need to have a minimum investment amount to work with you?
No account minimums. We believe everyone should have access to financial planning, not just a select few.
Our retainer model costs less than many gym memberships. Please call for pricing details.
If I'm ready to get started what is the process?
The first step is to contact us, to begin the discovery part of the process. During this call we will explain what we do in more detail and schedule further discussions to better understand your dreams and aspirations. Once you become a client we will start the organization phase, pulling all the relevant information together and review your goals and objectives. Next will move to the financial planning phase, where we will discuss the strategy and our findings.
Life doesn't stop after the financial plan and neither do we. We will continue to monitor the plan, check off milestones, and have follow up calls to discuss how you are tracking towards your goals.
How do I know I can trust your firm and what credentials should I look for?
Trust is earned over time and we want to make sure you are comfortable with the process. If you are not ready to start with an ongoing engagement, you can start with just the comprehensive plan. Then, once you are more comfortable you can move to ongoing planning or investment management.
When working with a professional look for credentials specific to the service you require. CERTIFIED FINANCIAL PLANNING PROFESSIONAL™ (CFP®) designation means the individual you are working with has a good foundation of coursework, experience and has passed a rigorous exam to test competency in financial planning. David Barson of Barson Financial Planning, is a designated CERTIFIED FINANCIAL PLANNING PROFESSIONAL™.
How do you get compensated?
Since we are "fee-only" we do not earn commissions nor do we receive referral fees of any kind. Because I don't earn commissions or referral fees, it allows me to be more objective when recommending a particular investment, insurance policy, or CPA/estate lawyer. We get paid either a percent of the assets we manage or retainer for services rendered. You can instruct us to pull fees from your account, pay with a credit card, or send us a check whichever you prefer.
We believe that markets are efficient at pricing in new information. What this means is that it is very difficult to profit by making a trade today based on information you have recently seen or read.
We believe market timing or looking for inefficiently priced securities has limited success. A better strategy in our opinion is to build globally diversified, low cost, portfolios which are based on client's goals, objectives and risk profiles.


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MainAll NewsEuropeNetanyahu condemns Irish legislation promoting Israel boycott
Netanyahu condemns Irish legislation promoting Israel boycott
Netanyahu condemns Irish legislative initiative which calls for a boycott of Judea and Samaria. Irish Ambassador will be summoned.
BDS demonstration
Prime Minister Binyamin Netanyahu on Tuesday strongly condemned an Irish legislative initiative which calls for a boycott of products produced in Israeli communities in Judea and Samaria.
Netanyahu said in a statement that the goal of the proposed legislation "is to support the BDS movement and harm the State of Israel."
"The initiative gives backing to those who seek to boycott Israel and completely contravenes the guiding principles of free trade and justice," he added.
Netanyahu also instructed that the Irish Ambassador to Israel be summoned to the Foreign Ministry on this matter. The meeting with the Irish ambassador to Israel, Alison Kelly, will be held on Wednesday, according to a report in Haaretz.
The Irish senate debated the bill on Tuesday. Beyond outlawing the import or sale of such products, it would also ban services originating from Judea and Samaria, the newspaper said.
The senate decided that debates regarding the bill will be formally adjourned until July. "This will allow the Irish government five months to progress a diplomatic approach and action at European Union level. It also gives more time for improvements, amendments and changes to the bill," people involved in the matter told Haaretz.
The European Commission in 2015 issued guidelines for labeling products from Israeli communities in Judea, Samaria, the Golan Heights and neighborhoods of Jerusalem liberated during the 1967 Six Day War.
The EU insists the labeling does not amount to a boycott of these regions, saying so-called "settlement products" have to be correctly labeled.
Tags:Ireland, Netanyahu, boycotts, BDS


C++ Games Developer is required for an AAA Games studio based in Soho, Central London. As a C++ Games Developer you will be working with C++, iOS and Android.
My client is looking for a C++ Games Developer who wants to join one the world's most prolific games studios where you be working on a range of existing and upcoming titles. As a C++ Games Developer you will have a clear plan in place to move up the ladder and become a Senior Games Developer.
Understanding Recruitment is acting as an Employment Agency in relation to this vacancy.


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Sturgeon hails 'historic' SNP victory in Euro elections, as Labour vote plunges
First Minister Nicola Sturgeon said the SNP had 'emphatically' won the European elections in Scotland, after winning three out of six MEPs.
Nicola Sturgeon said the SNP had 'an absolutely fantastic result' in the European elections (PA)
Nicola Sturgeon has vowed to keep working to try to stop Brexit after the SNP secured an "historic and spectacular victory" in the European elections.
https://www.belfasttelegraph.co.uk/news/uk/sturgeon-hails-historic-snp-victory-in-euro-elections-as-labour-vote-plunges-38152477.html
https://www.belfasttelegraph.co.uk/news/uk/article38152476.ece/e8e2d/AUTOCROP/h342/bpanews_9c5ce9e0-65ef-4747-80d7-7e1839262d24_1
Her party increased its share of the vote, securing 37.7% of all votes cast north of the border and winning three out of the six Scottish MEPs.
While the SNP vote increased from 28.9% in the 2014 European elections, Labour's support plummeted, with the party paying the price for its lack of a clear message on the crucial issue of Brexit.
Labour polled less than a 10th (9.3%) of the votes, putting it in fifth place, and down from 25.9% five years ago.
It was Nigel Farage's newly formed Brexit Party who came second in Scotland, with 14.8% of the vote, giving the party one Scottish MEP, Louis Stedman-Bryce.
He declared: "I think that sends a clear message that there are people in Scotland who do agree with Brexit."
And Scottish Conservative leader Ruth Davidson said: "The arrival of the Brexit Party demonstrates the clear frustration of the Scottish electorate that Brexit still isn't sorted."
The Liberal Democrats, who lost their MEP in 2014, won a seat this time round after taking their share of the vote from 7.1% to 13.9%
And the Scottish Tories held on to their one MEP, with Baroness Nosheena Robarik returned to the European Parliament after the party polled 11.6% of the vote.
But with the SNP securing 594,553 votes, and topping the poll in 30 of the 32 local authority areas in Scotland, Ms Sturgeon said: "This is an historic and spectacular victory for the SNP, and an overwhelming rejection of Brexit by the people of Scotland."
The First Minister, speaking from Dublin, said: "The UK political system has failed – and it has failed Scotland utterly.
"Scotland said no to Brexit in 2016. This result makes clear, we meant it.
"The message from Scotland today is that we will not accept a Brexit process that silences our nation, that treats our parliament and government with contempt and that fails to represent the interests of people in Scotland."
She pledged: "The SNP will continue working with other parties to stop Brexit and all the ensuing economic damage to Scotland."
Alyn Smith was returned as an MEP for the party, along with French-born Christian Allard, and former Scottish Government minister Aileen McLeod.
Mr Allard said "merci to the people of Scotland" after the results were declared.
The former SNP MSP said Scotland had "voted to have a very strong voice, loud and clear, from Scotland to Westminster to say that we are for remain, we want to stop Brexit".
Mr Smith said that the SNP had won the election "emphatically" and stressed that three years on from the European referendum "Scotland has voted remain again".
With the election of Sheila Ritchie as a Lib Dem MEP from Scotland, he pointed out four of Scotland's six MEPs had fought the campaign on an anti-Brexit platform.
"We have rejected isolationism, we have voted for Europe, we have voted for international solidarity," he said.
Labour's David Martin, who had been the UK's longest-serving MEP after being first elected in 1984, lost his seat, blaming the lack of a "clear message" from Labour on Brexit for this.
He said: "While obviously personally disappointed to lose my seat, I'm devastated for the hundreds of good Labour people who put so much into the campaign.
"We lost not because of lack of effort but lack of clear message."
Scottish Liberal Democrat leader Willie Rennie urged the First Minister not to interpret the SNP's success in the election as support for independence.
Mr Rennie stated: "She's tried to say that people who voted remain in Scotland in the referendum have somehow indicated support for independence and she's misjudged that, she shouldn't misjudge this one as well.
"This is about stopping Brexit, that's the top priority, it's the crisis that is ahead of us and is why everybody needs to join together."
Boris Johnson's team plays down claim he plans to prorogue Parliament
By Harriet Line Boris Johnson's campaign aides have sought to play down reports that they are considering plans to prorogue Parliament in late October - a move which could prevent MPs stopping a no-deal Brexit.
A young British holidaymaker could face being left paralysed for life after an accident at a Spanish waterpark.
Increasing the amount of ethanol in petrol sold in the UK would cut carbon emissions by the equivalent of taking 700,000 cars off the road, a report has said.
Boris Johnson and a celebrity-backed plea over free TV licences for over-75s make headlines on Wednesday.


Susan's DanceWorks is also home to the award winning Susan's DanceWorks Company, established for our more serious and dedicated dancers. This competition team gives these dancers the opportunity to experience a team environment, and build memories that will last a lifetime. Each year our dancers must successfully complete an audition process to become a member of this elite team. Company dancers and their parents must be dedicated, as competing with the company is a large commitment. Susan's DanceWorks Company dancers perform at community events and school functions, as well as traveling and competing at regional and national dance competitions. Our dancers also attend conventions and workshops, which allow them to learn new skills and improve technique. Our Susan's DanceWorks Company dancers have received numerous awards, judges choice and high score honors. These include Studio of Excellence, Best Studio Choreography, Best of Show, and named Top Studio! Auditions are held twice a year in early May and early August. If you would like more information about this amazing group of dancers please contact the office at (407) 846-7380.
Susan's DanceWorks Company dancers, please click the link below to access Company information.


Ice is fascinating and impacts the world on both the largest and smallest of scales and can provide snapshots through time. Working with ice is appealing as it is transient and unique, each piece is distinctive even when created using the same process. For me, working in ice is about going beyond the 'brush' as a painting tool.


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Yumi increases revenue and stays on trend by migrating to BigCommerce
Published on 10/10/2018 by Molly James in e-commerce, Retail News, Retail Technology, Retailer News
Poised for rapid international expansion, women's fashion brand Yumi needed to re-evaluate its e-commerce approach. The company that started life in Camden Market more than 20 years ago, had expanded to five brick and mortar stores, and successful concessions in House of Fraser, New Look and Next.
Online however, has always been a dominant channel for the women's trend-inspired clothing brand. But with expansion plans in the UK, Ireland, Germany and France underway the company needed to up-level its direct-to-consumer model.
Continued development on the Demandware site was no longer a viable option for Yumi. So, the company started searching for a new platform that was lightweight but still full of features and a bit more affordable.
Phil McKeith, head of digital transformation at Yumi explains, "Yumi is a forward thinking, innovative retail brand. We wanted an innovative partner that could help us stand out. We looked at Magento, Shopify Plus, Volusion, and BigCommerce through a matrix to evaluate hardware, features, and costs, as well as the technology side. BigCommerce was the one that came out on top."
Greater agility and speed to market
In fashion retailing speed is important. As a nimble operator, Yumi needed to be able to quickly launch new products and make changes to the site to reflect current promotions. The team needs quick load times and wanted to be able to get all the in-house team members educated quickly with an intuitive ecommerce platform. These factors all have a major impact on a company's speed to market, and ultimately, bottom line.
McKeith continues, "With BigCommerce, we've been able to become more efficient without sacrificing quality. Our page load speeds are up, and tools like bulk product uploads make daily tasks much faster. Plus, the user interface and user experience of BigCommerce are very logical and user-friendly, and our team enjoys using it. The entire platform is highly flexible and scalable which for a high growth company like ours, already enterprise size, is ideal.
"We have been working with BigCommerce for 15 months now and all is going very well indeed. We migrated over from Demandware, which was potentially quite a high-risk migration. Demandware is a bit of a legacy system, slow with limited functionality. Changes in the system were forecast to take months to do and we needed to be nimble. BigCommerce was quick and flexible. What was forecast previously to take months, BigCommerce was able to do in days."
12-week migration
The move from Salesforce Commerce Cloud to BigCommerce was fast. Even with custom-coded design requirements, the team completed the entire transition within twelve weeks.
McKeith continues, "Another big plus for BigCommerce was the speed of the migration, which took three months in total. As an enterprise migration, it was not straight forward. We had third-party logistics, warehouse inventory management systems, customer history data and front-end design to manage. The whole experience was quick and painless."
Yumi is an early adopter and was keen to leverage the many innovations built into the BigCommerce platform.
McKeith said, "BigCommerce has a very attractive tech stack. It's fast, modular and easy to use. Integrations with Facebook and Instagram have been great enabling multiple social channels to be commerce enabled. The AI-driven insights package was also a big plus in picking out hot product suggestions for customers. On top of that, the partner apps BigCommerce has introduced us to have been brilliant. All easily plug and play. We have taken many on-board including Smile, a loyalty programme; Glew, a CRM analytics plug-in; and Klaviyo, an advanced email platform allowing conditional customer flows. Other plug-ins for the site help us release timed updates around promotions. With this tool, our site theme is automatically updated with new data at, say, midnight when a deal goes live. This way, we don't have to be on the other side waiting to launch that in the middle of the night."
More traffic, more sales, more conversions
Overall, since making the switch to BigCommerce and focusing on some overarching strategy improvements, Yumi has seen an increase in traffic, sales, and conversion rates. Forty percent revenue growth month on month, 30 percent conversion rate, six percent increased average order value and an impressive 4,631 percent increase in orders.
The two companies are continuing their partnership enriching customer experience further with a broader returns service, mobile app development, further API plug-ins and plug and play directly into Amazon.
Mark Adams, general manager EMEA of BigCommerce commented, "Yumi is being quite bold in terms of what they are doing. Our enterprise proposition centralises around speed to market. That is the standout benefit. Plus, the open API makes it easy to innovate on the platform, to try new applications and continually test and enhance your experience."
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Australian True Crime & Unsolved Mysteries
Australian True Crime & Unsolved Mysteries is a website devoted to gathering information and evidence on current mysterious cold cases for amateur detectives to look over and potentially solve. *WARNING* this site contains crime scene photos and evidence that may be distressing to some viewers.
Australia's Most Prolific Serial Killer is Dead…
Toyah Cordingley
Albury's Pyjama Girl Mystery
Angela Mealing – Suicide or Killer Cop?
Leslie Ralph Ball – Missing Person Suspected Murdered, But Never Reported On.
Whiskey Au Go Go Massacre Inquiry Finally Announced
The Tragic Abduction of William Tyrrell – 2019 Coronial Inquest May Hold Answers
Suspect in 1978 Triple Homicide at Spear Creek may have killed again – Police 'Just One Step Behind'
The Mysterious Disappearance of Tony Jones
Priority Cold Case of Janine Vaughan Gets a New Review Team – Will they find evidence of a police killer or an unknown predator?
Michael Griffey's Bizarre Murder Mystery
Sarah MacDiarmid's Mysterious Disappearance
Ross Schumacher – Suicide, Accident or Murder?
Crucified body of NSW's 'Rack Man' identified after 25 years – case is referred to Cold Case Homicide Squad
September 1, 2018 November 4, 2018 Tamsin Francis
11 May 2006, Ross Schumacher was found dead in his home as a result of a gunshot wound to the back of the head. The weapon was found at the scene of the crime so the death was quickly ruled a suicide and authorities, for numerous reasons, did not seem to entertain the possibility of homicide. A recent inquest however, ruled that the possibility of suicide is the least likely conclusion based on the evidence, however the cause of death is still undetermined.
Photo: Screenshot of the inquest of this case.
Auchenflower, Brisbane QLD
Photo: Shows the suburb in which the deceased resided and was subsequently discovered.
Who was Ross Schumacher?
Schumacher was described by friends and family as being larger than life, highly driven, intelligent, motivated, competitive, charismatic and a loyal friend. Others described him as acting invincible, believing that no one could touch him. Schumacher was sometimes aggressive and demanding and was depicted by those that knew his as 'never taking a backwards step, even in situations which would often create enemies'. Schumacher reportedly used recreational drugs (ecstasy and cocaine) on weekends, but some claim that he was not using drugs around the time of his death.
At the time of his death, Schumacher was in an intimate relationship with two separate women – and people close to him suggested there had been sexual relationship with others:
Megan Murphy: Schumacher met and began a relationship with Murphy in 2002. Murphy was incarcerated for 6 months in December 2003. Upon her release, Murphy moved in with Schumacher and they recommenced their relationship – Murphy was still living with Schumacher at the time of his death. Murphy received unemployment benefits and so worked unpaid as a bookkeeper and assistant for Schumacher, who would pay for all the household expenses in return. Murphy openly admits to the regular use of marijuana, stating that Schumacher would sometimes smoke with her. Murphy had the use of one of Schumacher's company vehicles – a white Holden Commodore.
Stephanie Maragna: While Murphy was in prison Schumacher began a relationship with Maragna. Maragna had legitimate full-time employment and lived in her own house but would spend several nights a week staying with Schumacher. Maragna claimed not to know about the sexual nature of the relationship between Schumacher and Murphy, despite several of his friends knowing.
Several years before his death Schumacher started his own construction project management business, the Schumacher Group. Schumacher's accountant indicated that prior to his death the Schumacher Group was operating at a loss at he was unsure how Schumacher was supporting himself as he was not taking a salary.
In 2004, Schumacher began a business relationship with Rosario Baffi. A dispute over pay left Schumacher claiming to be owed between $500,000 – $1,000,000 by Baffi. This dispute left subcontractors unpaid, with one carpenter claiming to have been owed $56,000 by Schumacher. This carpenter subsequently went on to pursue legal action against Schumacher but ceased the legal action after a text message was sent from a Schumacher group phone stating 'I know where your kids go to school'.
Baffi claims to have received text message threats from Schumacher in July 2005, however the phone number belonged to a Christine Cameron, who was never located. Schumacher denied any involvement with these threatening messages and claims that Baffi had made threats to him, even going so far as to attend a meeting between them with two 'henchmen', which Baffi denies. One week after Schumacher's death Baffi removed a caveat that Schumacher had placed on their project and eventually the project was completed in 2007 after Baffi had to source another $450,000.
In 2005, the Schumacher Group began a partnership with Bazianas and his company to complete a six storey apartment block in Ellis Street, Kangaroo Point. Bazianas and Schumacher became 50% shareholders in Cube Global Corporation Pty Ltd. Bazianas lent Schumacher $60,000 early in the project in order to pay his legal fees against Baffi. Some of this money was still not paid back at the time of his death.
Bazianas observed a similar pattern of not paying subcontractors and also discovered that Schumacher was using money from his current project to pay subcontractors from previous jobs. When questioned about this Schumacher became very angry and abusive. Schumacher's accountant also discovered that he had been claiming building costs before they should have been claimed.
Their project was six weeks to three months from completion at the time of Schumacher's death, and Bazianas claimed that he had to use $800,000 of his own funds to finish the project, which he had discovered was substantially over budget. Bazianas is estimated to have lost $150,000 as a result of the project.
At the time of his death it was clear that Schumacher was having some financial difficulties. Maragna had lent Schumacher a total of $80,000 in late 2004, and at the time of his death approximately $20,000 of this had been repaid. In 2005 Schumacher borrowed $50,000 from his sister and brother in law, which had been paid back prior to his death. In late 2005 Schumacher was charged and convicted of an assault in relation to an incident where he had punched a debt collector.
Schumacher owned 2 properties and had listed them for sale. In 2005 Schumacher applied for and was granted a home loan of $231,000. He sold one of his properties for the price of $540,000 and the settlement date was 30 June 2006. Schumacher had planned to live in one of the apartment buildings that he was working on. Murphy states that at the time of his death he was borrowing money to pay for his living expenses. This all seemed to stem from the dispute with Baffi, although Schumacher was seemingly unconcerned as he believed that he would win the court case against Baffi and recover $750,000. Although there were some credit cards with some debt, and the home loan, it does not appear that Schumacher's financial issues were motive for suicide.
Buying, Uisng and Selling Firearms
People close to Schumacher became aware of his gun possession around the time of his dispute with Baffi. Schumacher is said to have purchased a gun because of a business deal that had gone bad involving a large amount of money and some 'seriously bad guys', with Schumacher claiming that in July 2005 that Baffi had threatened his life.
Schumacher was described as being 'flippant towards the handling of guns', ignoring basic gun safety and lacking caution. Murphy recalled that when Schumacher first purchased a .45 pistol in 2005 he had accidentally discharged the weapon in the home. Schumacher liked carrying his guns around the house and was frequently heard by Murphy racking the guns and clicking the trigger – believing there was no ammo in the guns. There were several bullet holes found around the house that support this. Murphy also recalls Schumacher sleeping with the .45 handgun in his bedside, once cocking the gun and discharging it in his sleep – only weeks before his death.
Photo: A .45 handgun like the one Schumacher reportedly fired in his sleep.
Schumacher was known to visit Caxton Street regularly, particularly Gambaro's Seafood Restaurant and the Velvet Cigar (a strip club). Schumacher had a reputation in this scene as being the 'go-to guy' that could get things done – legitimately or otherwise. Schumacher was believed to have sourced guns and drugs for individuals. On one occasion he had fulfilled a customer's desire to own a vicious guard dog by providing them with an ex-police dog. He also tried to purchase pepper spray from a police friend, who had refused.
Photo: Caxton Street where Schumacher was known as the 'go-to guy'.
At one time, Schumacher was refused entry into an event at City Hall for having two guns in his possession. The owner of the Velvet Cigar also recalls Schumacher trying to sell him a gun, which he had refused. There is further evidence of Schumacher purchasing and selling guns and at the time of his death there were a number of weapons located throughout the house.
Did Schumacher have Cancer?
Schumacher confided in close friends and family that he was suffering from cancer and that he was receiving treatment at Greenslopes Hospital, as early as five years prior to his death. The treatment for the cancer was confirmed by red/black patches underneath his armpits, black ankles and needle marks on his back, as well as symptoms of physical illness. Interestingly however, Greenslopes Hospital have no record of any treatment and his medical doctor had only seen him recently for insomnia and other minor ailments. Other than his word there is no record of Schumacher ever being diagnosed with cancer. The fabrication of this story is also suggested by the lack of any evidence of cancer during the autopsy.
Other Possible Motives…
There was only one other known incident involving allegations of threatening behaviour towards Schumacher. In 2005 Trista Goodacre, a stripper at the Velvet Cigar, showed up at Schumacher's home. Schumacher told Maragna that she was having some problems with an abusive boyfriend that was getting out of prison and said that he was helping her out. Schumacher denies any sexual relationship with the woman however he had previously mentioned to friends that he was in a relationship with a dancer from the Velvet Cigar. Goodacre was in a relationship with Nathan Hill. When Hill was released from prison an argument ensued, in which he allegedly threatened to kill Schumacher. Goodacre's tyres were slashed, but Hill claims that there were never any threats exchanged between him and Schumacher.
Two friends of Schumacher came forward saying that they had been approached by him and asked to 'soften' up a man who had just got out of prison was jealous of his relationship with Goodacre. They had refused to assist.
It was suggested that Schumacher may have even provided one of the friends with a loaded gun and a note with a name and an address on it, implying that Schumacher may have wanted this person killed.
Motive for Suicide
Schumacher had suffered from mood swings leading up to his death, which friends and family believed was due to the cancer and dispute with Baffi. Schumacher was reportedly happy in the two weeks prior to his death as his project was moving forward. Maragna says that the two had spoken about having a baby, and Schumacher had been talking positively of building a new home. Schumacher's last journal entry on 6 April 2006 stated that he was happy about the sale of one of his properties.
Both girlfriends seemed under the impression that they were going to live with Schumacher and the inquiry suggests that some sort of disagreement about this had arisen. People that saw Schumacher on the days leading up to his death believed that he was tired from all of his hard work and thought that he needed a break.
There was no evidence however, that indicated that Schumacher was about to take his own life.
Day of the Death
7:10am Schumacher phones Murphy and requests that she pay a bill using his Amex and call the banks to see if he could withdraw $10,000 cash.
7:10am Schumacher speaks to Jozef Gaperak – a plasterer to whom Schumacher owed approx. $25,000.
7:15am Schumacher phones Murphy back and tells her to go to the dentist.
8:09am Call takes place between Schumacher and an unknown person using a phone registered to Schumacher Group project manager.
9:07am Call takes place between Schumacher and the same unknown person using a phone registered to Schumacher Group project manager.
9:30am Schumacher phones Murphy to discuss a cheque for JTM Lining for $10,000, he also asked her to withdraw $5,000 for her dental work and to cash a cheque for $1238.50
9-9:30am Schumacher is overheard on the phone saying 'no I don't want anyone to know about that money, I'm trying to hide it from the tax department'.
9:54am Schumacher speaks to Gaperak again.
10-10:30am Murphy cashes a cheque for $1238.50, returns home and leaves this in his study with a note. This was the last time Murphy claims she was in the study and she notes that the study was tidy.
10:00am Bazianas meets with Schumacher at the construction site and notes that Schumacher appears in good spirits.
10:30am Schumacher calls Murphy to advise her that he is on his way home and he would not like her to be home when he arrives as he had a business deal to attend to.
10:35am John William Pascoe calls Schumacher (it is unclear who this is).
10:51am Call takes place between Schumacher and the same unknown person using a phone registered to Schumacher Group project manager.
11:00am Schumacher is seen by a neighbour in his garage talking on the phone.
11:38am Schumacher calls Murphy and asks her to withdraw $700 from his debit card.
12:00pm Neighbours spot Schumacher in the rear of his car looking for something. Schumacher smiles and waves to the family indicating nothing out of the usual.
12:15pm Schumacher is seen by a neighbour in his front yard talking on his phone.
12:26pm Maragna calls Schumacher to let him know she was heading back to the office. She asks him how his day is going and he states that his day is not going well and a lot of things were going wrong. He seems angry and upset but this is not unusual. This was the last phone call answered by Schumacher, all further telephone calls were diverted to voicemail.
12:30pm A neighbour reportedly sees a meter reader walking down the street and into Schumacher's property. The man is described as wearing Energex style clothing, a goatee beard, a light blue work shirt, king gee pants, a dark wide-brimmed hat and black boots.
12:40pm A neighbour hears a very loud bang like a car backfiring but no car is seen
12:44pm Murphy texts Schumacher about the money she had withdrawn but this was never read.
1:00pm Murphy withdraws $5,000 cash from the Schumacher Group's cheque account for the dentist. She drives home but remembers that Schumacher had told her not to be there so she drives to the gas station. She does not remember seeing any cars present at the property as she passes.
1:30pm Murphy texts Schumacher again and then goes to West End to buy shoelaces
1:45pm A postal worker delivers two parcels to Schumacher's residence, he remembers a white car parked at the property with the 'Schumacher' logo on it – suggesting that Murphy was home, and a dark late model sedan was parked in the left side of the carport.
1:53pm Murphy tries to call Schumacher again and leaves a voice-message.
2:03pm Murphy text's Schumacher complaining about driving around in circles.
2:10pm Maragna leaves work and drives to Schumacher's house.
2:12pm The unknown caller registered to Schumacher Group attempts to call Schumacher again.
2:15pm Murphy goes to buy marijuana at the Greenslopes Bowling Alley.
2:28pm Gasperak tries to call Schumacher.
2:30pm Maragna arrives at Schumacher's property with flowers, surprised to see his car in the carport. The door is locked, however the alarm system is turned off. Everything appears normal until she goes to the study and finds the deceased body of Schumacher, with blood coming out of his ear, mouth and nose. The computer was on and the email was open. The study was a mess, not how Murphy recalls it being in the morning.
2:43pm Maragna calls the police.
Maragna was advised on the call to 000 to lie the body flat, causing her to move the body from where it had originally been found. When paramedics arrived they dragged the body into the dining room – moving furniture out the way, in order to try and resuscitate him. Once he had been pronounced dead officers wiped away congealed blood from the base of the skull in order to identify a bullet wound – which could have potentially contaminated the evidence.
Schumacher had been shot with a 9mm Parabellum calibre Beretta model 92 FS Centurion self-loading pistol. The exact location of the gun was not photographed as when police arrived as they had rendered the weapon 'unsafe' and it was placed under a cabinet in the dining room.
Photo: A 9mm Berette the same as the weapon used on Schumacher.
As well as the mishandling of a potential murder weapon police incompetency meant that the crime scene was not secured, and at one time it was estimated that between 8 and 10 police officers were crammed into the small study. Any evidence that could have potentially have been collected could now be rendered useless due to contamination.
One officer on the scene recalled checking Schumacher's phone and seeing one missed call on the phone screen – this does not match the personal accounts of the day and suggests that someone had checked the phone, or that the phone calls were never made.
When searching the property police found a .45 handgun loaded underneath the bed sheets in Schumacher's bedroom, a .22 rifle with a silencer was located in a draw at the bottom of the stairs and a .45 handgun and ammunition were located in Schumacher's safe.
Gunshot residue ('GSR') swabs were taken from Schumacher and the two women, neither of whom objected. Several hours had elapsed for both women before the samples were taken, and Maragna had even been home and showered prior to the sample being taken, significantly affecting the reliability of the swabs. The reliability of the swabs taken from Schumacher is also questionable as they were taken over seven hours after the body was discovered. Forensic analysis showed that there was GSR present on the right hand of Schumacher – which would indicate that he had fired a weapon recently and suggests suicide or accidental death. However, GSR was also found of the right hands of Maragna and Murphy. This would indicate that both women had also fired, or been in contact with, a weapon recently.
Maragna's jacket appeared to have blood stains on it but this was not questioned until 2011 when she stated that she must have been wearing the jacket while helping Schumacher. This contradicts an earlier statement in which she said that she had taken the jacket off and placed it in the dining room before entering his study – which is where the jacket was found when the police arrived. DNA examination confirmed that this was Schumacher's blood, this is highly suspicious unless there is evidence to suggest that she had taken the jacket off later. GSR was also found on the right sleeve of Maragna's jacket which could imply that she had fired a weapon recently.
Examiners were initially unable to determine whether the wound was close contract, intermediate or distant – which would helped determine the cause of death. It was eventually ruled that this was not a contact wound, which would have been more concurrent with suicide. The forensic pathologist was of the opinion that it was a distant gun-shot wound, which would indicate a third party. Due to the distance between the muzzle of the weapon and the back of the head, it would be unlikely the injury was intentionally self-inflicted. The distance of the muzzle of the gun from the back of Schumacher's head was 35cm. Although it may have been physically possible for the gun-shot to have been self-inflicted it would have been difficult and highly unusual. During a re-enactment the individual was able to get into the position required for the trajectory, however he was unable to maintain the weapon steadily to fire the shot. Could the weapon have been accidentally discharged by Schumacher while stretching or whilst playing with the weapon as he has been previously known to do?
Photo: Shows an example of a close contact gun-shot wound that would indicate suicide.
Enquiries were made by the police regarding Baffi's whereabouts at the time of Schumacher's death – he supposedly had an appointment with a client, but no statement was ever taken from the client as to whether this meeting had taken place, and at what time. Baffi was not formally spoken to by the police until 2009.
Confession of a murder?
November 2006 an email was sent indicating that the landlord of the property that Murphy was now residing in with several of her friends believed that the tenants had been involved in a murder. One of the tenants confessed landlady that she had overhead Murphy and Castillo – another of the housemates – discussing how they had 'knocked off a man'. No action was taken by the police at this point.
In 2007 this was finally followed up. Castillo was suspected of being a painter that was hired by the Schumacher group but he denied ever having worked for Schumacher. Castillo and Murphy both indicated that they did not meet until after Schumacher's death, and there was no evidence to suggest that they were engaged in any sexual relationship.
The landlord stated that 2 months after the property was rented out she received a text message from one of the tenants saying she wanted to break the lease because she was scared of Castillo. She said that Castillo had bashed another tenant with a baseball bat and she had overhead Castillo and Murphy confessing to murdering someone. The tenant had heard them talking about murdering a building or a developer.
When questioned about this the tenant denied hearing this conversation and said that she had never confided in the landlord about any incident like that. Was she changing her story because she didn't want to be implicated in anything and was scared for her own safety – it seems like an unusual story for a landlord to construct out of nowhere.
Where There's a Will There's a Way…
After Schumacher's death a will was found locked in his safe dated 25 December 2005. No one appears to have any prior knowledge of this will and Maragna was surprised the majority of the distribution of the estate was left to her and Murphy and no provision was made to family members. Both Maragna and Murphy claim to have never seen the will prior to Schumacher's death.
There were concerns over how accurate the will was however, and Schumacher's mother disputed this, stating that she was uncertain that it had been made and signed by Schumacher himself. The will was not drafted in a formal form, was not witnessed, and contained basic spelling errors – which is uncharacteristic of Schumacher. A diary entry for 25 December makes no mention of a will either.
Maragna was appointed as his executor and it was estimated to be about $141,000 to be distributed after liabilities were settled. Schumacher's mother lodged a caveat due to the suspicious nature of the will and so Maragna renounced her rights as executor. Murphy then became executor and the caveat was eventually removed.
Forensics confirm that the will was signed by Schumacher but knowing that Murphy is able to forge his signature it might be worth comparing her forgery to see how good it is. Forensics also found two latent prints on the will, and in May 2009 it was confirmed that these prints belonged to Murphy – who had previously indicated that she had never seen the will prior to Schumacher's death.
Suicide VS Homicide
Even with all the information provided it is difficult to come to any definitive conclusion as to whether Schumacher accidentally or intentionally shot himself or if the gunshot wound was inflicted by another person.
The most compelling piece of evidence is the consistent scientific testing confirms that the minimum distance of the gun muzzle from Schumacher's head at the time of discharge was 30 to 35 cm. Therefore, for the gun-shot wound to have been self-inflicted he would have had to have held the weapon at a distance of a minimum of 42 to 47 cm from his head which is an extremely unusual and difficult position to self-inflict a gun-shot wound.
Due to the current state of the evidence and no public access to autopsy reports or formal statements it appears that this cold case is reliant on further investigation – something which doesn't appear likely at this stage. Any relevant information regarding the crime is to be reported to CrimeStoppers.
Categories: UncategorizedTags: Aged 36, Brisbane, Male, Suicide
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Labor's rush to cover up a train wreck interview from one of their MPs just demonstrates once again their intent to whack small and medium hard-working Australian businesses with higher taxes.
Having heard his Labor colleague Peter Khalil say Labor supported the Turnbull Government's legislated tax cuts for businesses with turnovers of up to $50 million, Shadow Finance Minister Jim Chalmers couldn't race to find a camera quick enough to once again confirm Labor would reverse that tax relief, jacking up taxes on 3.2 million Australian businesses employing over 6.5 million Australians.
Mr Khalil must have skipped the class warfare lesson taught by Bill Shorten. He hadn't realised that a Labor MP should be outraged with the very suggestion that small and medium businesses should be able to keep more of the money they make to invest in their business, hire more Australians and pay them more, rather than hand it over to the Labor Party.
And he clearly hadn't learnt that when it comes to taxes, Labor only wants to raise them. That's why they've proposed a $164 billion tax hit to the economy, as costed by Treasury.
The way Mr Khalil was shouted down for having the audacity to suggest you do not achieve economic growth, more jobs and higher wages by hitting businesses with more tax, speaks volumes about just how economically bereft the Labor Party have become under Bill Shorten.
Fresh from a year of delivering record jobs growth, with over 400,000 Australians getting into work in 2017, the Turnbull Government will continue to act to ensure a stronger economy so Australians have more opportunities to get ahead.


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Estados Unidos estuvo representado en los Juegos Paralímpicos de Albertville 1992 por un total de 29 deportistas, 21 hombres y ocho mujeres.

Medallistas
El equipo paralímpico estadounidense obtuvo las siguientes medallas:

Referencias

Enlaces externos

Estados Unidos
I 1992

redpajama_set_name: RedPajamaWikipedia


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http://www.win-magazine.com
Perry Youth Wrestling is the very genesis and foundation of the Perry Wrestling Program. It introduces young boys and girls to the sport of wrestling and begins preparing and forging them into the future state champions they will become. The coaches focus on teaching kids the fundamentals of the sport and how to be triple tough - tough in spirit, mind and body. Perry Youth Coaches are all Perry Alums and contribute countless hours mentoring and developing these young athletes.
OWA provides an opportunity for young men & women to build character and values through the great sport of wrestling. Our mission is to assist them in reaching their highest potential in wrestling, leadership, life & community. We believe that the sport of wrestling instills lifelong lessons in many areas of their lives. These include responsibility, sportsmanship, teamwork, commitment, perseverance, self-discipline, loyalty, ethics and accomplishment. OWA recognizes the significant contributions made by its athletes and seeks to promote their well-being and to foster an environment that will prepare members for both a livelihood and a rewarding life.
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