SmartSwipe is the new, smarter, more secure way to shop online. The SmartSwipeÿis the world?s first truly secure personal credit card reader. When you install SmartSwipe, you can swipe your credit card at your home or office computer just like you would in a store. Plug the SmartSwipe into your computer?s USB port, go shopping to your favourite online stores and swipe your credit card -ÿit's that easy. The best part is that you know your credit card information is safe and secure.
Credit card companies, online retailers and security professionals spend millions every year to make the internet a safer place for credit card transactions. Despite these constant advances, credit card data is stolen every day. Why?
Because your computer is vulnerable.
The problem is that traditional online security (which revolves around concepts like encryption and SSL) only protects information as it travels from your computer to the online shopping site.
But what happens to your information as you type it in and as it sits in your computer's memory? In most cases, this information is vulnerable to malicious software (like spyware and viruses). Because of this vulnerability, criminals can steal your information right off of your computer, usually without you knowing about it ... until it is too late.
SmartSwipe secures your computer by protecting your sensitive information as you swipe your card through the device. Since your personal information is protected before it enters your computer, it is no longer vulnerable to these kinds of malicious software attacks.
Best of all, this product is so easy to use that it makes online shopping much more convenient. Run the installation software and plug the device into a USB port. You will never again have to type your credit card information into a website. SmartSwipe increases the simplicity, the speed and the security of shopping online.
The Internet is constantly changing and SmartSwipe is smart enough to change with it.
What is SmartSwipe and why do I need it?
The SmartSwipe is the world?s first truly secure home credit card reader. It is important to use because internet fraud and identity theft is a growing problem all around the world. People need to protect their sensitive information. The SmartSwipe gives you that protection while you shop online.
When do I plug in the device?
We recommend that you plug in the device during the installation process - right after you restart your computer. However, it does not really matter when you plug in your device - many customers only plug in the credit card reader when they are about to make a transaction.
How does the SmartSwipe protect me?
Even if the connection between your computer and the site you are buying from is safe, your card information has to travel through your computer (and is vulnerable) before being sent. The SmartSwipe encrypts (scrambles) your credit card information instantly, so your information never exists in an unencrypted state.
Visa, MasterCard, American Express, Discover and JBC. Chances are if the site you are buying from accepts the card, so will the SmartSwipe.
What if someone else wants to use my SmartSwipe?
No problem. All they will have to do is swipe their card. The SmartSwipe will work with any number of credit cards and any number of people.
What if someone robs my home and steals my SmartSwipe, will they have all my information?
No, the SmartSwipe doesn't store your card information so there would be nothing on your SmartSwipe to steal!
What are the system requirements for the SmartSwipe?
Windows XP, Windows Vista, Windows 7, Internet Explorer 6 or higher, Requires Internet Connection and available USB port.
Can I use it at work or on the road?
Yes, the SmartSwipe will work on any computer; as long as it meets the system requirements (see above). It is light and easy to pack, perfect for the road.
Does it work out of the country?
Yes, there is no technical reason it won't work anywhere, provided the website you are shopping on allows for out-of-country payments.
The SmartSwipe does not store any of your information, so there is nothing to be updated.ÿ If you get a new credit card, just swipe the new card when you arrive on a payment page.
Not really - at the moment, SmartSwipe is only compatible with PCs running Windows XP or Windows Vista and Internet Explorer.ÿ However, Tim from The Frozen Show successfully installed SmartSwipe on a MacBook using a virtual machine running Windows XP.
If I accidentally swipe my card multiple times, will the payment go through multiple times?
No, the SmartSwipe will only accept one purchase per transaction.
Can I use the SmartSwipe on any website?
Yes. There are thousands of websites in our database with hundreds more being added every day. You can also use our customized protection tool to add almost any shopping website you wish to our database. This means that virtually every website works with the SmartSwipe!
Do I have to pay a fee every time I swipe?
No, after purchasing the SmartSwipe it will be free to use as much as you like. There are no 'hidden' fees or costs.
Will this technology be obsolete right away?
NetSecure will keep updating its software and provide it to customers free of charge and free of hassle as new technology becomes available.
If my computer gets a virus how is the SmartSwipe affected?
The SmartSwipe is completely secure, and is not affected by viruses. Certainly your information will not be vulnerable, as it is not stored.
What if I don't have my card with me, can I then enter the info manually on that computer?
Yes, it is not recommended, but if you need to, you can choose not to use the SmartSwipe and still manually enter your card information.
I see the 'lock' icon on my web browser, and my website assures me their site is safe. Am I really at risk?
Yes, their site and even the transaction may be secure, but you are still at risk. Before your information is secure it must travel through your computer in an unprotected state before being encrypted (scrambled) and is thus vulnerable.


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I regret to inform you that I'm afraid that I'm sorry to tell you that I hate to break the news that I will be back to normal tomorrow. In layman's (normal people's) terms, this means I will not be getting out of bed at four, I will not be accompanying Marlboro Man and the kids (and their steeds) to some pasture miles away, and I will not be watching the sun rise and the temperature rise and the sweat and manure pour forth like a broken dam.
Dam. There's been a lot of dam manure in my life lately. Dam, dam, dam.
What was that? Did you hear the singing? That singing! That singing right there! Do you hear the banjos playing?
I'm perfectly lucid, I promise.
I just don't know it yet.
Driving home this evening after a long, long, hot, stinky, lovely, beautiful, manure-filled, enjoyable, dusty, back-breaking, blessed, awful, incredible, sweaty day, I saw Stormy.
This curious-looking mustang mare has been on our ranch since the horses first arrived in 2000-something. Stormy was first. She's always been first. I've loved her from the beginning. Did you know it's possible for a human being to have a one-on-one relationship with a mustang mare? It's true. Sometimes I can't believe how close we are. We frolic and scamper and cavort in the meadow and on a really good day I'm known to break out in a rendition of "My Best Friend" by Queen.
Stormy loves Freddy Mercury. She mourns him every day.
Today, on my drive home, I stopped and stared at Stormy. She stared back. I smiled. She smiled, too. It grounded me, calmed me, encouraged me. It made me want to be a better man.
Then I came home, walked in the house, and wrote a poem about Stormy. It came straight from my heart; I couldn't stop it.
Back away from the bovines, Pdub! You need a bath & a nap!
wow, what a beautiful mare!!
How beautiful! Those eyes! Oh my goodness…And the poem. Pioneer Woman, it rendered me completely and utterly vahklempt. Thank you for sharing.
Here's to not getting up before the sun!!!
I felt exactly the same way about the beautiful white horse I bought when I was 17. Exactly. I have never stopped missing him after I had to sell him when I was in college! Tell Stormy hi for me next time you guys talk.
That is a beautiful mare. A great scene to see here from the smoggy City of Angels…which seems to be filling up with tourists and children looking for ice cream.
Bwha ha ha! Ahum… great poem.
glad to hear you're getting back to normal Ree. Have a good night's sleep!
I love Stormy, but Girl….you gotta get some S-L-E-E-P!!!
I would love to have beautiful horses around to look at!
Just how much wine did you have with your supper?
Just read a book and this reminded me of one of the themes – finding the sacred in the everyday. That's what you found with Stormy and it gave you peace. Cool. Cheesy, but cool.
AS GOOD AS IT GETS isn't it? Ha, I kill me.
Inspire me to write poetry.
That's my kinda poem, lady. Maybe I don't dislike poetry after all.
#12 – You took the words right out of my mouth!
JUST CURIOUS, DO ANY OF THE MARES BECOME TAME ENOUGH TO ALLOW ONE TO GET UP CLOSE TO THEM ?
you lady are a nut…this kinda stuff just can't be fabricated …thanks for the laughs!
I've missed you these past two mornings. I had to keep checking in for my fix. Glad nothing's wrong and that you're just tired.
Darlin' you are the greatest. I mean it. You really are.
I could use a Stormy at my house to make my day..
I have a Rocky.. he is really small 20 pounds and has fur and pointy ears and he barks.. he makes my day.


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Q: uWSGI Workers writing to same JSON File
I have a Python flask API wrapped with uWSGI+Nginx for production setup. I have 4 Nginx workers and 1 thread per worker configured as follows, processes = 4 threads = 1.
When I issue an API Post, the post writes and reads a json file at different parts of my code.
When I  issue multiple API requests in parallel , it gets distributed to these 4 Nginx workers as expected. And they go ahead and process the request in parallel. Sometimes this causes json ValueErrors as multiple processes are reading and writing to the same file.
How do I overcome this scenario? This is not multiprocessing within my API. So using python's multiprocessing Lock within my json update code will not fix my problem.
I want to be able to update the json files one worker at a time. Is there a way to share locks within uwsgi workers?

A: All these different processes will have a different pid, so why don't you use that as the file name for the JSON reading/writing.
import os
pid = os.getpid()
f = open(pid,'w+')

Unwanted Advice: I would highly recommend you not to use file read/write as the data exchange method between your programs, try to pass the value between functions/classes or set it in some redis like caching mechasim(slower). But writing and reading from file is slowest.

redpajama_set_name: RedPajamaStackExchange


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It's all gone a bit pear-shaped since then. I put in a few hard training sessions after I got back from the European Masters in Ancona, and felt pretty satisfied at what I was achieving. Then, on a Monday morning after one of those hard outings the afternoon before, I bent to pick up some keys off the stairs and: bingo! My back clicked, I felt the once-familiar shooting pain from my left SI joint and within less than a minute, my back and upper parts were going into muscular spasm. What hurt as much was that this was all totally unexpected. I'd had no warning signs or anything.
The acknowledged "first aid" in cases like mine is to walk. I walked for twenty minutes and things began to loosen up. I walked for twenty minutes more and much had returned to "normal", save for a sharp pain directly around my left SI joint, radiating into my lower back and buttock. I'm not much of one for pain-killers these days. I spent far too long on the serious ones twenty five to thirty years ago when I originally wrecked my back. However, I allowed a regular daily dose to numb me for a few days until a (thankfully) pre-arranged chiropractic appointment arrived.
The symptoms were diagnosed as muscular, not skeletal, which was a relief. There's a lot of self-care one can do with muscle that doesn't apply to bone and underlying structure. Cue lots of gentle stretching and mobilisation, and a regular regime of walks and attention to good posture.
"Proper" training was severely compromised, however, but the day of my first outdoor races of the summer drew inexorably closer. Thus it was, on a damp but humid evening that I was to be found jogging slowly around the track at Canterbury, trying to feel like I was getting ready to race. Nothing seemed to be firing properly. I put my spikes on to see what a few faster strides would feel like, and simply could not lift my knees into anything like a sprint. No way could I race. I made my apologies to my team manager and, for the first time ever in my track career, I packed up and simply walked away.
I felt black and bleak driving home, to be honest. Next morning, I felt stiff and awkward, but more frustrated than anything. And then, somewhat out of the blue, that afternoon I was hit by a major vertigo attack. I've had these on and off for quite a few years. The cause is benign. Spending too long with my eyes tracking around a large computer screen is often a trigger. I'd been doing a lot of file editing etc on the computer, and this had presumably set things off. Two hours lying down in a completely dark room is quite therapeutic, not just for my vertigo, either.
I'm writing this two days later. I've concluded that I may, or may not, have some semblance of a track season this summer. I'm currently fairly indifferent either way at the moment. There's nothing for me to fix on as a target this year. I'd never planned on going to the World Masters Championships in Perth, Australia, in the late autumn, and I had already resolved to miss the correspondingly quite late British Masters Championships in September this year, because they clash with my holiday plans. It begins to look like any outdoor season I may have will cover June and July. There's never much on in August anyway.
So what, he says thinking aloud, is the point of hurrying, putting my back to the test before it might be ready etc, all for a few events over a period of two months? I don't know the answer yet. This blog is part of my therapy.
You are currently browsing the Blog from a Faster Master blog archives for May, 2016.


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Why the Beginning Matters for Working Capital Optimization
On this podcast episode, Host Craig Jeffery sits down with J.R. Robertson, Vice President of Coupa Pay at Coupa, to discuss why the beginning matters for working capital optimization. They cover and take a comprehensive look into the history of working capital management, the pain points and drivers for suppliers, the next evolution of financing and more.
Rethinking Working Capital Management and Payments
Download the Coupa eBook with the button below.
J.R. Robertson, Coupa
Episode Transcription - Episode #173 - Why The Beginning Matters for Working Capital Optimization
Welcome to The Treasury Update Podcast presented by Strategic Treasurer, your source for interesting treasury, news, analysis, and insights in your car at the gym, or wherever you decide to tune in. On this episode of the podcast host Craig Jeffery sits down with J. R. Robinson, Vice President of Coupa Pay at Coupa, to discuss why the beginning matters for working capital optimization. They take a comprehensive look into the history of working capital management, the pain points and drivers for suppliers, the next evolution of financing and more. Listen in to this lively conversation.
Welcome to The Treasury Update Podcast this is Craig Jeffrey and I am joined by J. R. Robertson, who is the VP of Coupa Pay at Coupa. J. R., very excited to be talking to you about working capital optimization.
J.R. Robertson 1:04
Thank you, Craig for having me on the podcast. It's an honor to speak to such a great community of treasury and finance folks. You know, I think what I'm most excited to bring to the table today, you know, is the 20 plus years of experience in procure to pay networks and ERPs and how the impact to a lot of these networks can drive a lot of value for your treasury audience. Coupa has been rapidly expanding our depth and breadth and influence into the treasury and finance functions. And you know, I've had the great opportunity to get to know some really great customers at some of the largest innovative companies in the world. So, hopefully I can add a little bit of wisdom that I've learned over these years and we'll have a great dialogue.
Yeah, that sounds good. So yeah, Coupa has Coupa Pay, Treasury, Working Capital Treasury was formerly called Bellin. Now that's Coupa Treasury. So, you're looking at the entire liquidity, enterprise liquidity, across the zone but I wanted to jump into I don't know if you want to call it a working capital history or just some background on working capital. Maybe we should start with there's a couple definitions of working capital. One is the accounting banking, which is current assets minus current liabilities. And I just want to be clear, we're not talking about that part today. How would you define this liquidity management view of working capital, J. R.?
Yeah, I think you know, definitely it's how we can use our day-to-day operations and cash balances, whether that's, corporate balance sheet or even credit available through strategic bank partners to drive yield and drive value not just for your corporate businesses but also drive liquidity and value to your supply chains. So that's, I think I'd like to focus on that primarily.
The traditional current assets minus current liabilities is that accounting or banking definition, which is really just geared towards, "Do you have adequate liquidity to meet obligations as they come due?" And then the focus on another definition tends to focus on accounts receivable, inventory and accounts payable as an efficiency measure and your focuses on the overall balance sheet, including AR, AP, and inventory, being able to optimize those so little bit of a combination of both. You know, when we think about working capital, making improvements and working capital, sometimes that is solely focused at the end of the process. You know, the idea of, "Oh, we're going to pay slower" so we're going to improve our DPO by paying later at least that's perhaps an immature view of it. So, the view might be just at the end of the process, as opposed to a more comprehensive look. You know, this idea of working capital program improving or being more effective by moving up the chain is a point that I've heard you make at different times. Can you can you just give us some background or explanation of that?
I think historically, you know, whether it's a bank providing financing or another FinTech, you know, helping corporates facilitate financing the activity typically happens after an approved invoice is run through an AP process, and then there's some instruction or some file that's shared, and it typically is at the very end of that process. And, you know, I believe that there's so much that happens in the front end of that process, whether it's identifying suppliers that will accept an early payment or need liquidity, it's getting the supplier information, right, I mean, that's a huge challenge for many corporates and banks is just having accurate supplier information. You have the timing of the payment term and the settlement time so that's another kind of variable that, you know, oftentimes you have to plan and have and oftentimes have challenges around. So, you know, I think the more you can solve some of this upstream working capital challenge, the easier it's going to flow, the more suppliers you can get into your program, you know, the more value you're going to provide to your supply chain.
You know, you mentioned the timing in terms and also about this, I don't know if you want to call it you know, getting the supplier info together. How does getting the supply is supplier getting the supplier info together, solely about I don't think that's what's gonna say it's solely about efficiency? But are you indicating that there's some feedback loop on to the financial side of working capital optimization by by doing that and the front end.
The more you know about the supplier, whether that's, you know, how much spend you're doing with that supplier, understanding some of the liquidity needs of that supplier, you know, the size, credit rating, whatever, you know, understanding the supplier better and better is going to allow you to use all of these different working capital vehicles. You know, where supply chain finance is one you know, you talked about PO and inventory finance, you know, there's even business credit cards or virtual cards. So, there's a huge array of different kind of financing vehicles. And I think the better you know your supplier, the better you can prescribe the right financing vehicle for them so that you don't inundate them with all the options. They're not confused by the offerings at hand and you can be a little more prescriptive. I think, you know, that kind of falls in the bucket of kind of just user experience or supplier experience, and I think that's a that's a key element to knowing your audience and knowing your supply base and their needs.
Maybe you could talk a little bit further about the history of working capital management. What's going on, and where are we today?
Trade finance has been around, you know, 1000s and 1000s of years. So, you know, we're, we're not recreating the wheel here, I think just until kind of the 80s the banks really started getting into how can I help corporates, you know, provide liquidity to not only themselves but also their supply chains. And then, over time, the FinTech's have gotten involved and made it more efficient and made, you know, supplier onboarding better, you know, created technology that facilitated optionality, both for buyers and suppliers. And that kind of brings us to today and you know, I think at the beginning you talked you asked the question about working capital being at the end of the process, and I think historically, that's where this has been facilitated. And not until really, you know, four or five years ago when Coupa got involved did we see the true value of all the upstream data, not only that the banks, but our customers and suppliers that we realized, you know, we had a unique position in this kind of embedded finance network, right? There's been networks. There's been financing, but they struggled to kind of marry the embedded financing within the business process. And I think that's where I think the next evolution of financing is going to go and, you know, it's clear in kind of the interest from many of our bank partners, listening to some of the challenges they have in driving these types of working capital programs that we provide something that a lot of the financing world has not seen before.
J.R., thanks for that. I wanted to talk about this, this view of sometimes you see in, you know, in the media or people putting out information could be consultants who say, there's huge sums of working capital that is trapped. Andthere'scertainly a real sense where that's the case and then there's another element where, if we think about it simply as between two trading partners, that it's a zero sum game, you know, if I pay you later, to improve my payables and how long it's taking me to pay, you're receiving money later and so on a net basis between two trading partners there's no difference there. So how is how is working capital a zero sum game and how does it change or what's necessary for that, you know, win lose to change to a win-win?
J.R. Robertson 10:45
Thanks, Craig. Yeah, I absolutely agree that for this to be a net zero benefit or a win-win for these trading partners the bank squarely has to sit in the middle. You know, if I'm giving up DPO and gaining DSO you're right, like that's, you're just trading DSO for DPO. And the banks are really important kind of mediator here because they don't have the same liquidity crunch. They don't have the same timelines that a corporate has around their cash balances. And so they really are a strategic partner in making sure that this trade balance works itself out and there's clearly a benefit for them. But, you know, I think they play a very important role in kind of this working capital optimization.
So, if I'm a company making a payment, and I'm cash rich, I would want to I might want to promote or take advantage of every time someone offers me a discount that provides me a better yield. So I don't necessarily need to bank to take advantage of that. For example, if I'm collecting money, I'm just trying to see if I'm hearing you right, if I'm collecting money, I might want to get paid sooner. Other people may be my customers may be trying to push out terms to 60 or 75, 90, or whatever number it is. So you're saying the bank can sit in the middle where some companies have excess cash, some are in need of cash or capital through this and they can bridge that timing gap. Someone can pay at 75 days? I can collect at 15 days, right? That's better for me as a supplier, it's better for them as a payer and the bank who has access to better capital can take advantage is that a type of example you're talking about?
Yeah, I mean, I think to that point, the cash rich companies have the luxury of being able to keep their own supply chains healthy. Not every company has that ability. And so, the bank's ability to kind of fill that gap and provide you know, many companies globally, the liquidity that their supply chains need to stay healthy, and then you have a combo of both, right? I might have enough cash to fund you know, 30% of my supply chain, but how do I quickly pivot and use my balance sheet and the bank's balance sheet in a comprehensive program? And I think that's one of the challenges that you know, many companies have is they say it's either all on my balance sheet or not, or all the bank or not, and being able to be flexible and nimble and point the liquidity spicket based on kind of time of the month or seasonality. You get the kind of the best of both worlds but it does take technology to really help facilitate that dynamic kind of change in funding. So, I think that's definitely what we're trying to help our customers achieve is, you know, the nimbleness of their own balance sheet but the flexibility and the ability to leverage these bank partners.
I like your comment about flexibility, you know, some of the survey data we have shows, I can't remember the percentages, you know, below 30 or above 30, but it's somewhere near 30, where those are companies that move from a cash rich position or cash positive net investor to net better through a different times of the year. So that's a pretty significant portion versus those that always net borrowers are net, net cash rich. So I think that that flexibility speaks to the audience, but it also speaks to the effectiveness of programs people put in place at their companies because not everyone's taken advantage of paying early or discount discounts at different times.
And I would say the suppliers have the same challenge, right? They have different liquidity needs at different times. And, you know, I think many of these programs that exists today they're kind of a you're an all-in or you're an all-out I mean, they would say that will finance you at any point. But the challenge is the way that we onboard suppliers. It's, you know, we, I think many want the juice to be worth the squeeze, right? And so, you know, they're, they're not going to go after a supplier that might or might not want financing every once in a while, and so they kind of fall through the cracks a lot of times, and on top of that you have a supply chain that churns 30% every single year. And so, you know, the ongoing maintenance of these kinds of programs without technology, you know, I think we're leaving a lot of money on the table. You know, that gets stuck in the supply chain.
You know, I want to come back to that question about how broad, let's say, processes could cover the landscape without tech I mean, without much more integrated tech. But I do want to just ask you some questions on the you know, on the supplier side, for example, what are you seeing as the drivers to work in cab optimization for suppliers, and maybe that's in response to pain points or it's in response to opportunities or challenges? How would you describe the supplier situation?
I think you kind of hit on it, you know, that they're either needing to bridge the gap and short-term kind of liquidity needs. And you know, they might not be able to get more credit from a bank, the equity lines or you know, whatever vehicles they can draw on are just not available and so how do you go and use what is available, and that is your AR and so, I think a lot of it is you know, bridging the gap in key times, and other is being opportunistic of growth, you know, with key buyers right, you got to have enough spend throughput without buyer to make it worth it. But yeah, I think I think we're seeing both sides of the equation suppliers wanting needing to fill a gap and also wanting to throw some gas on the, on the fire to help grow and keep critical times.
Yeah, it depends on the industry, but it certainly seems like a lot of buyers might be larger, have easier access to cash, cheaper access to cash than some of the suppliers. You know, this this can help ease up the supplier challenges in a different way than we've traditionally seen. Anything else on the drivers for suppliers? Because I want to move on to end-to-end as soon as we're clear that.
Well, I think it's worth calling out you know that oftentimes in these programs the suppliers who need the liquidity most aren't always the ones who get the help, you know, because banks are targeting you know, the large dollar kind of low number of suppliers, what's the path of least resistance to the largest amount of flow? And I think, those aren't always the suppliers that need that liquidity the most. And so, when you're when you're looking at kind of your corporate working capital strategy, you want to have optionality and flexibility to get those in your supply chain that needed the most. And I think that's really, really key.
When we think about this idea of the cash conversion cycle and looking at things on a comprehensive level, this end to end and instead of just focusing at the end of the process, like we talked about when we started this discussion to starting at the beginning, you had you had described some of those elements right when we started, but maybe you could talk a little bit more about how different organizations are leveraging the end-to end view, like where are they finding opportunities? What's the reason for the success of these types of programs?
You know, I think one of the examples is we have a customer and this is the first time that I had seen organizationally treasury owning, sourcing and contracting. And I thought it was really interesting from a corporate structure standpoint, that treasury would own the front of the process, but it makes absolute sense because what they told me is that everything rolls downhill, and they were tired of picking all of this stuff up at the very end and not having any leverage. And so, what they did is they made sourcing and contracting under treasury, and so they could control the payment terms. They could control many of the supplier onboarding and things that they need at the front end of this process. And I haven't heard of a lot of companies, you know, corporately structured like this, but when I heard that I said, "That makes a lot of sense". And that is actually pretty innovative in nature, and I think that story kind of demonstrates why, you know, having visibility for treasury throughout the process, starting at the very beginning, when we're negotiating payment terms, and you know, what currencies we're going to transact in and, you know, everything else that kind of goes into onboarding a supplier and developing a supplier relationship. That's when you have all the leverage anyway, so why would you not want to kind of put those things on the table before you're actually a supplier to make sure that you know, everything's buttoned down and all your ducks are aligned, all the way from beginning to end? Because I think that's what's going to allow you to have a much more seamless flow of process visibility and control of these types of programs and just general treasury function.
That's really interesting J.R. I haven't seen I haven't seen that too often. I have seen this multi-year trend or more regularly where treasury might have additional oversight over payment terms, like you said, supplier onboarding, or the process that's used there as well as the process for settlement, moving towards more electronic methods. So, I guess, you know, there's different ways to solve that problem, but it's yeah, that's an interesting, interesting example. Why would you give those things up? What is procurement care about oftentimes? Price, they don't care about terms like get a better price and, you know, we'll pay instantly. Well, that may not be best. That's not going to be the best solution for the organization. So that's a that's a great example. So that's an organizational element. What are some of the other tools that you see, perhaps becoming more popular over time? To help solve some of these challenges?
Well, definitely I would say better visibility of what's going into the contracts. What kind of clauses around early payment are you putting in? You know, I think in general, there's just not a real good repository of that kind of data for treasury to manage at a high level. You know, I would say that really having the embedded finance process integrated into a source the settlement, you know, flow for the corporate I mean, that is really key is a process kind of continuity. You know, I think that you're clearly supply chain finance, we talked a lot about that virtual card is a great vehicle for, a great lever to pull for treasury organizations.
Let's take a jump on virtual cards, and maybe just give a quick explanation. And why why is that a good lever?
Well, it's a it's a good lever, because one, it gets suppliers paid earlier, so they get instant settlements two, especially when it's a virtual card kind of embedded in your process, now you can reconcile much easier so you have a card with a PO to an invoice and so the reconciliation all sets kind of in in one place. And so, I know a lot of AP teams hate reconciling their credit card statements at the end of the month because they don't know where all these charges go to. So, the ability to kind of streamline the process and streamline the reconciliation is big for everyone. You get the credit element, right? I get to pay now, my supplier, but I don't pay the bank, you know, I paid the bank on a term, whether that's 30, 40, 60 days. So that's a working capital element. And then, you know, for much of the risk, I mean, the networks and the acquiring banks. They actually take a lot of the KYC on, so you know, if I pay with a card now I don't have to onboard that supplier into my vendor master, my ERP, I don't have to give them any tax information because the acquiring banks managing that, so there's you know, the working capital and you know, operational efficiency kind of all rolled into one when you talk about a virtual card. It's a great solution.
Yeah, so the end-to-end view, the faster settlement for one party, as well as looking at the efficiency, that's a good explanation of how people are looking at things broadly and the solutions drive benefits in a couple different areas. You know, we talked about, you mentioned churn rate, about churn of suppliers for example, and I want to bring this into the discussion with a question. Was working capital optimization and event or process? And I know it's sort of saying yeah, it's a process because there's a churn rate, but I want you to explain that a little bit more the churn rate. So, is working capital optimization an event or process? Why? And how does the churn rate have an impact on the success of working capital, the success of efficiency?
So, I think the answer is both. You know, I think to your comments. You know, many of our customers, they churn their supply chains 30% every single year. And so, every year you have a new crop of suppliers that have, or can have, liquidity needs, and so you know, from a process perspective I think that becomes a bit of a challenge right. Who's responsible for that? Is it for procurement? Is it AP? Definitely not treasury. They're not, you know, equipped and staffed for that kind of a workload. And so, your ability as a company to build in a process, especially as part of supplier onboarding that really understand the preferences, and the needs and the profiles of your suppliers is really key. But it's also an event, because sometimes you have suppliers that only need it once or, the nature of working capital is yield. And so that's an event to me is giving, you know, some of this, you know, yield as part of the process and the reality is, is it's so it's such low risk. I mean, you look at these treasury vehicles or bonds, I mean, they're so low, you know, from a yield perspective that why would you not redeploy your capital to one, beat the yield of NPO many things out in the market, but it's already a liability. So, you already owe it. And so, I think, you know, the arguments of not using capital available to you as a corporation to you know, help your supply chain. I don't think it's a matter of like, do you have the money or does the money wanted to be deployed? I think it really comes down to I don't have a good process, and I don't have a good technology to be able to manage it effectively. And so, you know, you end up putting such a burden operationally on your team that the juice just isn't worth the squeeze, you know, and it's not worth it. So, I asked thats what I'm seeing a lot of times across our customer base.
Yeah, thanks. Example of customer service 30% churn a year. I think that makes that makes the point even if it's 20% or 15%. That's a lot for a month. And without staying up on it's not it's not a single event. It's an ongoing process. Anything else that that has a big impact, whether it's churn or whether it's something else, what else are you seeing that people should be mindful of to optimize their working capital over time?
Yeah, I mean, I definitely think the onboarding costs of bringing these suppliers on, I think it's really important to try to develop processes and to, you know, even for the banks, like that's one of the most costly positions for them, and so I think everyone's trying to solve, you know, the supplier onboarding and kind of risk process. And I think that supply chain is a great carrot to be able to drive, you know, better onboarding for you know, corporate and so I think that's one capacity. You know, that's one thing. I think the other is really kind of suppliers don't always want their customers to know that they might need liquidity, right? I mean, if I'm a key strategic supplier to a buyer, you know, I don't always want my supplier or my buyer to know that I need cash. And so how do you make it indiscreet or even not make it an event, right? I always say "Where there's smoke, there's fire," like as a buyer, I would want to know if my supplier needs liquidity, because it's not that I would make buying decisions solely on that, but I would understand that, you know, they might not be a supplier of strength and so I think there's even some kind of byproducts of these programs that can help you make really educated decisions and know your supply chain better. And so, I think, you know, again, it's all about knowing the supplier. You know, I talk a lot about supply chain health. It's really supply chain health insurance, right? I mean you're trying to ensure that your supply chain is healthy because when they're healthy, your business is healthy. And I think we have a lot of room where there's a lot of room to grow in corporate, corporate businesses around how can I engage, interact and infuse liquidity to help my suppliers survive, grow and thrive.
That's almost a great closing remark. But I'm gonna ask you just to give you an opportunity at the end, do you have any final thoughts on adding value in cash conversion cycle are in the effort to optimize working capital?
You know, I think more than ever it's very full frontal, right? We're seeing a lot of these supply chain bottlenecks. There's stresses and pressures and the supply chain is really getting stretched beyond its infrastructure capability. And I think that's why it's so important for corporates to really be thinking cross functionally, right, procurement, AP finance treasury, as to ways that they can continue to keep their supply chain healthy. I mean, working capitals, you know, working capital programs have the best intentions that are so important to supply chains, but I think that in the B2B world, we are still lagging behind, you know, even some of the consumer digitization. You know, the buy now pay later fad. I think oftentimes we think about, you know, oftentimes I think about you know, 2008 and what would have happened here, if we would have had, you know, a network and an infrastructure that would have been able to infuse capitals rapidly into our economy like these working capital programs. How would that have changed the outcome of some of these, you know, economic downturns? And so that's what, that's what I think about. That's what I think you're, you know, many of these corporate executives should be thinking about, and there's a lot available to them. So, we're excited to partner with some of the world's largest brands to help solve a lot of these challenges. And, Craig, thank you so much for having me on. It was an absolute blast and thank you to your audience for spending some time with me today.
You've reached the end of another episode of The Treasury Update podcast. Be sure to follow Strategic Treasurer on LinkedIn, just search for Strategic Treasurer. This podcast is provided for informational purposes only, and statements made by Strategic Treasurer LLC on this podcast, are not intended as legal, business, consulting, or tax advice. For more information, visit and bookmark strategictreasurer.com.
Payment Fraud: Assessing and Responding to an Escalating Threat
This eBook is intended to help treasury understand and fill that role most effectively by covering the current situation, the threat levels of various types of fraud, common areas of vulnerability, and frameworks and tactics for constructing a solid defense.
Download eBook, Audiobook, YouTube Video
Payment Fraud: Rules for Security
Host Craig Jeffery joins Rajiv Ramachandran, Senior Vice President of Product Strategy & Management, and Ahmad Sadeddin, Director of Product Management at Coupa, to discuss concepts featured in their eBook on Payment Fraud: Assessing & Responding to an Escalating Threat. Topics of discussion center around the current situation of payment fraud, the threat levels of various types of fraud, common areas of vulnerability, and rules for compliance.

redpajama_set_name: RedPajamaCommonCrawl


Address : Post Master, Rahimnagar Padiyana, Lucknow Taluk, Lucknow District, UTTAR PRADESH, India.
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Rahimnagar Padiyana Pin code or Postal zip code of Rahimnagar Padiyana is an unique Post index number provided to the post office of Rahimnagar Padiyana, Lucknow Division, Lucknow District of Uttar Pradesh state, India. These Pin codes are provided by India Post.


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Hitchcock's Houston Connection on Display at New Lynn Wyatt Theater
Meredyth's mother and father; Meredyth as a young girl with her father and Sophia Lauren; Alfred Hitchcock, John Michael Hayes and Grace Kelly
"I LOVE THE sound of typing," says Houstonian Meredyth Hayes, daughter of screenwriter John Michael Hayes. As a little girl, Hayes would sit in the hallway outside of her father's office, listening to him tap out his famously quotable scripts ("Even in this light, I can tell where your eyes are looking.") for such Hollywood royals as Cary Grant, Sophia Loren and Shirley MacLaine. On Saturday, Dec. 18, at the MFAH's brand-new Lynn Wyatt Theater, Hayes will be on hand to introduce Alfred Hitchcock's masterpiece Rear Window, one of four films her father wrote for Hitchcock. The film is a favorite of Lynn Wyatt, and will screen in its original, reel-to-reel 35mm glory.
Rear Window stars James Stewart as L. B. "Jeff" Jefferies, a photographer temporarily confined to a wheelchair due to a broken leg, who spends his time spying on the neighbors with a set of binoculars. Jeff shares this proclivity for voyeurism with his fashion model girlfriend, Lisa Fremont, played by a luminous Grace Kelly. When Jeff begins to suspect one of the neighbors is a murderer, Lisa agrees to help him investigate, and the two quickly find themselves in more danger than they could have imagined.
In addition to wearing one jaw-dropping ensemble after another, all designed by Edith Head, Lisa enjoys a sophisticated, knowing rapport with Jeff, a dynamic Hayes' father based on himself and his wife Mildred ("Mel"), who was also a model. "That was before its time," says Hayes of the intellect displayed by Kelly's character. "Even today, we quantify models as being airheads. But my mother was a smart lady."
As a child, Hayes traveled around the world with her parents, and met several stars of the films her father scripted, including Sophia Loren, who babysat her during the filming of Judith in Israel. Sadly, Hayes never met Kelly, and wishes she had. "When I see Grace Kelly in To Catch a Thief, I don't see my mother," says Meredyth. "But in Rear Window, I see my mother greatly."
Hayes settled in Houston in 1993, after several years of moving back and forth across the country, working as a talent scout and regional promotion manager for major record labels and producing television and videos for companies around the world. Throughout the years, much like the sound of typing she loved as a child, the memory of her father's uncompromising commitment to his craft remained a source of comfort and direction.
"I was always guided by what truly inspired me and was lucky enough to be good at those things," says Hayes. "I followed my heart, and I think that comes from him."
From Paris with Love: Inside MFAH's $1.2 Mil Grand Gala Ball ... ›
Lynn Wyatt's Fave Flicks Will Screen This Month in New Theater ... ›
Films | The Museum of Fine Arts, Houston ›


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My House In Umbria
14th April 2015 by Phase9
Movie Review by Neil Hesse
Starring: Maggie Smith, Ronnie Barker, Chris Cooper, Timothy Spall, Benno Furmann
Director: Richard Loncraine
Sometimes it takes a catastrophe to allow for something beautiful to happen.
Ms Delahunty (Maggie Smith) embarks on a train journey and she happens to sit in a cabin with a young German couple, an American husband, wife and young daughter, and an elderly English gentleman, his daughter and her husband. Shortly after the train takes off an explosion rips apart the very cabin in which she is riding. She along with the old gentleman (Ronnie Barker), young girl and the young German man turn out to be the only survivors. Out of compassion she invites them all back to her villa in Umbria to recuperate. As the days go by they all find themselves becoming very close to one another, almost as though they had become a family with extra attention given to the young girl, Emily, who lost both her mother and father. A local policeman (Giancarlo Giannini) comes to question Ms Delahunty for any details she may remember about the explosion, as the police are suspicious as to why only their cabin was blown apart.
Emily's uncle (Chris Cooper) arrives from America to take her back to live with him. Ms Delahunty who happens to be an author of several romantic novels begins to visualize each visitor's personal thoughts and existence with her apparently very active imagination. All these visualizations lead her to many conclusions and dreams that she believes to be true and may indeed be just that. She begins to openly flirt with Emily's uncle much to his annoyance and as she begins to understand what kind of man he is she begs him to leave the girl there with her as she feels that he and his childless wife would not be able to cope with the burdens of raising a child.
As the investigation continues into the bomb on the train the inspector returns to question one of the survivors upon which Ms Delahunty reveals the details of her surprisingly accurate dreams. Now all Ms Delahunty can do is watch as Emily, such a sweet little girl that she and her household have grown so close to, drives off to be with a couple who do not seem to want nor care much for children and hope that maybe just maybe everything will turn out right after all.
Richard Loncraine directs this drama with a steady drive as he highlights the bonds formed between survivors of a horrible incident and also the exploration of his central character, who despite so much tragedy in her own life still has so much compassion for others. The beauty of the Italian landscape adds to the pleasant feel of this charming little film.
Dame Maggie Smith gives a BAFTA worthy performance here. In spite of her character's tragic past, she is flirty, compassionate and enjoys one too many drinks at any time of the day. Yet she still comes across as loveable and Maggie Smith portrays all this perfectly, the humour and the sadness are both handled very well.
With strong performances from her supporting cast this film turns a very simple tale into a pleasant experience but it still feels as though it was tailor made for the small screen.
Nonetheless it is a good, light drama.
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ACCLAIMED US entertainment all-rounder and stand-up comedy legend Chris Rock has announced two extra shows for his 2018 Total Blackout UK tour due to outstanding demand.
Tickets for the Motorpoint Arena Cardiff date are on sale now.
Grammy and Emmy Award winning comedian, actor, director, writer and producer, Chris Rock announced the extra show dates for January next year.
It will be his first UK tour in 10 years.
Lauded by peers and critics alike, Chris Rock is one of our generation's strongest comedic voices.
As an actor, director, producer and writer he has created many pivotal pop culture moments. With a career spanning more than three decades, Chris Rock is a true icon whose star shines even brighter.
Summer 2018 will see Rock reuniting with Adam Sandler in production of Netflix's original movie, The Week Of.
He will also executive produce BET's newest late-night talk show, The Rundown with Robin Thede.
Rock has won four Emmy Awards, three Grammy Awards and is a New York Times Best-Selling Author.
In addition, he received two nominations for the 2016 Emmy Awards, for Outstanding Director for a Variety Special for Amy Schumer: Live at the Apollo, and Outstanding Special Class Program for the 88th Annual Academy Awards.
The Total Blackout Tour will visit the Motorpoint Arena Cardiff on Friday, January 12.


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MELROSE FREE-PRESS
Chime Time registration open
The Chime Time Children's Center, located at the First Baptist Church, 561 Main St., Melrose, is now registering children ages 2.9 to 6-years-old for the summer and fall. The Center offers half-day, extended day and full-day care. Hours are Monday-Friday, 7:30 a.m. to 6 p.m.
For more information or to schedule a visit, call Pam or Karen at 781-665-0131.
'Child Find' screenings at Franklin School
Child Find Screenings for the Melrose Public Schools' preschool special education programs will take place through Friday, March 28 at the Franklin Early Childhood Center, 16 Franklin St., Melrose. Any resident with a child who will be three years of age by Sept. 1, 2008 is eligible to participate in the Child Find process. If you have concerns about your child's development or learning contact the Ripley Early Childhood Center at 781-979-2260 to schedule a screening.
Roosevelt School Wine/Beer Tasting
The Roosevelt School PTO will host a wine and beer tasting and silent auction event on Friday, March 28 from 7-10 p.m. at Memorial Hall, 590 Main St., Melrose.
Cost: $25. Must be over 21 to attend. The wine and beer tasting will be sponsored by Greenwood Wine and Spirits, Wakefield. Cost: $25; must be over age 21 to attend. Light fare will be provided by A Hot Dish Catering Service, Haverhill. Desserts and coffee will also be available.
'Open Gym Night' for high school teens
On Saturday, March 29, from 7-10 p.m., the YMCA's Tremont Street Gym will be open for free for high school students. Kids are encouraged to bring their own music, and a school ID or driver's license. YMCA membership isn't required.
For more information, contact Massachusetts Promise Fellow Nicole Lavery at the Malden YMCA at 781-324-7680, x 235.
Nazareth Academy 60th Anniversary Gala
Nazareth Academy in Wakefield will celebrate its 60th anniversary by holding an Anniversary Gala on Saturday, March 29, at the Andover Country Club. The gala is Nazareth's major fundraiser this year and all proceeds will go directly to the school to benefit its programs and students. The gala will include a silent auction as well as five raffle items, which include a pair of one carat diamond earrings; Kentucky Derby tickets; a 50-inch flat screen TV; a trip to Puerto Rico; and a fully stocked wine refrigerator. There will be music and dancing as well.
For information, call 781-245-0214 or visit nazareth-academy.org.
March 31 deadline for Emblem Club poster contest
Monday, March 31 is the deadline for submissions to the Melrose Emblem Club's Americanism Poster Contest. Any schools or individuals participating may call or email Marie Ryan at 781-665-8126 or e-mail marieryan3@comcast.net with information, and Ryan will pick-up last minutes entries.
In judging the posters, the following will be considered: Use of the colors red, white and blue; use of pictures depicting the person/event making history; and an explanation of 50 words or less describing the person/event. The back of the poster must contain the participant's name, address, telephone number, and the school name and grade.
marieryan3@comcast.net. Melrose League of Women Voters scholarship
The Melrose League of Women Voters is accepting applications for the Joan Moore Memorial Scholarship through Monday, March 31. Melrose High School graduates who wish to continue their personal and professional growth by returning to school after a time away from formal education are eligible to apply. Applications are available at the Melrose Public Library, City Hall or by calling 781-662-8186.
The League Scholarship Screening Committee will review applications and forward a recommendation to the MHS Permanent Scholarship Committee. The scholarship award recipient will be announced at the MHS commencement exercises in June.
Swim volunteers needed
The Arc of East Middlesex provides support to people with developmental disabilities. Volunteers are needed to help with their Adaptive Aquatics program for sessions in March.
Northeast Festival
The Northeast Parent Advisory Council at Northeast Metro Tech High School in Wakefield, which serves Melrose students, will hold the school's annual scholarship fundraiser on Saturday, April 5 from 10 a.m. to 3 p.m., at the school, 100 Hemlock Road, Wakefield. This year's event consists of a food court and arts festival. Raffles offerings will include a Disney World package and a pair of field box seats to see the Red Sox.
For information, call 781-246-0810, ext. 1643 or e-mail gmezikofsky@northeast.tec.ma.us.
Trivia Bee time!
Teams are now forming for the seventh annual Adult Trivia Bee, which will be held on Saturday, April 5, at 7 p.m. at Memorial Hall, Melrose, 590 Main St., Melrose. The Trivia Bee is sponsored by The Bridge: A School/Community Partnership,
This year's competition will include a rule change: Using white boards, each team in a round will answer the same question simultaneously, removing the random question variable.
To register a team, or for more information, call Emily Rubenstein at 781-979-2299.
Free parent workshop
The Community Partnership for Children Program of Melrose, Stoneham and Wakefield is sponsoring a free workshop for parents of children beginning kindergarten called, "How will the school bus know where to go?" on Tuesday, April 8 from 7-9 p.m., at the Odyssey Day School, 11 Paul Ave., Wakefield.
The Community Partnership for Children Program of Melrose, Stoneham and Wakefield is funded by a grant from the Massachusetts Department of Early Education and Care through the Wakefield Public Schools.
Melrose Bandaiders 50th anniversary celebration
The Melrose High School Bandaiders will celebrate the organization's 50th anniversary by hosting a celebration event on Friday, April 11 from 7:30-11:30 p.m. at Mount Hood in Melrose.
The event will feature music by "Frankly Sinatra," featuring MHS Band Director Mike Buckley and his band, as well as the Melrose High School Band. There will also be dancing, light hors d'oeuvres, and a cash bar. Tickets are $35 and are available at Whittemore Hardware, 531 Main St., Melrose.
melrosebandaiders@gmail.com. 'An Evening with Livingston Taylor'
The Melrose Choral Boosters present "An Evening with Livingston Taylor," Thursday, April 17 at 8 p.m. at the Melrose Veterans Memorial Middle School auditorium, 360 Lynn Fells Parkway, Melrose. Tickets are $20 and $25; all seats are reserved. Tickets are available at Melrose Drug, 462 Main St., Melrose, or by calling 781-979-2232 or emailing MelroseChoralBoosters@ gmail.com.
Applications being accepted for Title I preschool
Applications for the Melrose Public Schools Title I Program, a federally funded program designed to provide extra help to Melrose preschoolers, will be accepted through April for the 2008-09 academic year.
Title I classes meet for two and a half hours, Monday through Thursday, in either a morning or afternoon session throughout the school year. The program has an organized family involvement component designed to maximize family participation in children's education.
For more information or to request an application, call 781-979-2260.
Rotary International free travel program
Rotary International District 7930 is offering a free professional and cultural exchange program, including travel, accommodations and meals, to four young professionals between 25-40 years of age to travel to Minas Gerais, Brazil from May 1 to June 2, 2008.
All team candidates must live and/or work in Rotary District 7930.
Summer School Enrichment Program
The Melrose Public Schools will hold the 25th annual Summer School Enrichment Program, with offerings for pre-school, elementary and middle school children. Advanced registration, now available on a first-come, first-served basis, is now available to help administrators plan for the use of the school facilities.
For more information, call Jim Babineau at 781-979-2241 or Connie O'Connor at 781-979-2208.
Northeast second annual Golf Classic
Northeast Metro Tech will hold its second annual Golf Classic fundraiser to benefit the school's Athletic Department on Monday, June 30 at Hillview Country Club in North Reading.
For more information, contact Dave Keough, Northeast athletic director, 781-246-0810 or Karen Keough, tournament coordinator, at 781-245-6291 or 617-240-4442 or karenkeough@earthlink.net.
Become a mentor — men especially needed!
Two groups of mentors will be formed, one to meet Monday nights and the other to meet Tuesday nights. All mentors will receive an initial two-hour training in mid-November on either a Monday or a Tuesday evening; specific dates to be announced.
The program involves 12 hours of service each year, above and beyond his/her regular class time, with a wide range of service options available and acceptable. Community service may be performed for any organization, charitable cause or individual. Providing service opportunities is an ongoing task. Anyone or any organization that might benefit from this program is encouraged to call Bob Savarino at Melrose High School at 781-979-2215.
Give your time to students
Students and staff in the Melrose Public Schools need adults in the community to become school volunteers. By giving even a small amount of time, volunteers can make a difference. The Bridge: A School/Community Partnership is looking for people to fill the following volunteer positions:
An elementary school math tutor to work with a small group of fifth-grade students for two mornings a week from 7:30-8:15 a.m.
A middle school English Language Arts tutor who can work every other day from 11-11:40 a.m.
Elementary school classroom volunteers to work in classrooms one morning a week or more to provide extra support to students for whom English is a second language.
A Chinese language volunteer to teach introductory Mandarin to a group of highly motivated students one or more afternoons a week from 2:10-3:10 p.m.
Turn coins into 'Change for a Change'
Spare change can be used to help the North Suburban Family Network purchase new books for children, offer parent education programs and plan family-friendly concerts.
To donate spare change, call NSFN at 781-662-2722, or visit the NSFN office in the Franklin School, 16 Franklin St., Melrose.
North Suburban Family Network offerings
Are you looking for a safe, friendly place to meet other parents and give your child an opportunity to play with children of similar ages? If you are the parent of a child age 3 or under and live or work in Melrose, Stoneham or Wakefield, you are invited to take advantage of the resources offered through the North Suburban Family Network (NSFN).
Families outside the three communities are welcome to attend any drop-in programs and registered programs if space is available. The NSFN is located at 16 Franklin St., Melrose, and office hours are Monday-Thursday, 9 a.m. to 4 p.m., and 9 a.m. to 1 p.m. on Friday.
The Common Ground Teen Center, held in the lower level of the Hope Alliance Church, at the corner of Green St. and the Lynn Fells Parkway, is open on Fridays 7-9:30 p.m. Activities include a pool table, foosball table, air hockey, ping pong, poker, video games, TV and computers, along with some sort of organized tournament with a chance of winning prizes each day. All Melrose residents in grades 6-12 are welcome to attend. Admission is $3.
Melrose Mothers Group
The Melrose Mothers Group meets Wednesdays from 9-11 a.m. at the First Congregational Church, 121 West Foster St. While the mothers socialize in one room, their children enjoy supervised play, crafts and a snack in the nursery or the preschool room. The group is open to all families with preschool children and currently has several openings. Monthly fee is $30 for one child, $35 for more than one.
'Parents Helping Parents'
Free, anonymous support groups are available for frustrated, overwhelmed or anxious about being a guardian through Parents Helping Parents. For information, call Dawn Folopoulos, regional coordinator, at 978-372-5102, or visit parentshelpingparents.org.
Club Care program
Melrose residents who have friends or family members serving overseas may contact the Boys and Girls Club of Stoneham and participate in the kid-run Club Care program. Club members meet once a week to write letters, draw pictures and assemble care packages to send to local servicemen and women.


Everybody LOVES Nessus. It is an amazingly flexible vulnerability assessment technology, and is an essential part of your security arsenal, helping you learn and understand more about your environment every day.
Aimed at people that use Nessus already, this session will teach you more really cool things that you probably didn't know that Nessus can do.
You will go away loving Nessus even MORE than you do already!!


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Next:LEADERSHIP: Purple Not Popular In South Korea
Air Defense: The Indian Cure For Ballistic Missiles
March 9, 2011: On March 6th, India successfully tested its anti-missile system, intercepting a ballistic missile fired from a mobile launcher. The AAD missile was fired from an island 70 kilometers off the coast. This was the sixth test of the system, which uses two types of interceptors. The Prithvi Air Defense (PAD) missile is the larger of the two and is used for high altitude (50-80 kilometers) interception. The short range Advanced Air Defence (AAD) missile is used for low altitude (up to 30 kilometers) intercepts. The two missiles, in conjunction with a radar system based on the Israeli Green Pine (used with the Arrow anti-missile missile), are to provide defense from ballistic missiles fired as far as 5,000 kilometers away. This will provide some protection from Pakistani and Chinese missiles. A third interceptor, the PDV, is a hypersonic missile that can take down missiles as high as 150 kilometers and is still in development.
The Indian system has been in development for over a decade. Nine years ago, India ordered two Israeli Green Pine anti-ballistic missile radars. That equipment was used five years ago in a successful Indian test, where one ballistic missile was fired at another, incoming, one. The Israeli Green Pine radar was originally developed for Israel's Arrow anti-ballistic missile system. Arrow was built, in cooperation with the United States, to defend Israel from Iranian and Syrian ballistic missiles. India has since developed, with Israel, the Swordfish radar, which has similar capabilities to the Green Pine and has been operational for two years. Swordfish is part of a system that integrates data from satellites and other sources, in order to detect and track incoming missiles.
The interceptor missiles and the fire control systems were designed and built in India, although more Israeli technology may have been purchased to speed things along. India wanted to buy the entire Israeli Arrow system, but the United States refused to allow the sale (which involved a lot of American technology.) The Indian ABM (Anti-Ballistic Missile) system is supposed to become operational in two years.
China and Pakistan could only defeat the Indian ABM defenses by firing more missiles, at the same time, than the Indians could handle. It's also possible to equip warheads with decoys, in an attempt to get the interceptor missile to miss. Israel has technology designed to deal with these decoys, and India can probably purchase that. But against an overwhelming number of incoming missiles, some are going to get through.
ELECTRONIC WEAPONS: Technology Is Stupid
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Welcome to the new Peabody newsletter!
Welcome to the Peabody! This newsletter truly represents what we do – researching and cataloging our collection, working with students, sharing our expertise, and collaborating with tribal members. Read on to learn more about student experiences at the Peabody and don't forget to join us to welcome four award-winning Pueblo potters on May 25th.
As we approach the end of another school year, three graduating seniors offer up their memories and reflections of their time at the Peabody.
What is it like to catalog a drawer?
Cataloging the adopted drawers is a time-consuming but rewarding task. Each drawer is selected with care to identify areas of the collection that need a little extra TLC. Often times, I don't even know what I am going to find in the drawer!
While most of us have seen "arrowheads," making sense of the complex world of Paleoindian lithic points is a challenge.
The Peabody participates in an interactive symposium which delves into the history and implications of slavery in New England.
Gallery from April's Archaeology Explorers Class!


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New Map – Batu Gajah Heritage Driving Trail
Recently published, this new heritage map comes from the same stable as the two Ipoh Heritage walking trails. It is available now, FREE, from the Ipoh Tourism Office and leading hotels and tourism outlets. Alternatively contact kintaheritage@gmail.com.
Unfortunately we do not have enough space to put up the whole thing, but the map below will give you the idea of the scope of this trail.
Included are photographs and descriptions of the different heritage sites (or in some cases what is left of them), and a brief history of both Kellie's Castle and TT5 Tin Dredge.
Do go and get your copy today as they are going to be popular!
We Shall Never Forget…..
Batu Gajah Heritage Trail Map
By ika|2011-07-31T13:01:29+08:00July 30th, 2011|Categories: Uncategorized|Tags: Batu Gajah, Heritage Trail Map|11 Comments
Something Special to do This Weekend
A Solution to Meet a Need
Heritage Trail Map (1st Map)
"Come Fly with Me!"
The Times of Malaya – The 1st and 2nd Building
AP@IpohBornKid
In the 1950s, Batu Gajah was well known for its chicken farms. One of my relatives was a chicken farmer. There was also puppet shows (called "Kai Hey" or chicken show) every year. I wonder if anybody can throw light on this subject. The Batu Gajah hospital was also a place to train new interns (doctors) besides the Ipoh General Hosp.
LMS136
What is the town's name, Batu Gajah Or Stone Elephant attributable to?
I know that the patriarchs (grandfathers) of several families from BG, widely and openly practised polygamy in those days. Perhaps it was one way to obtain abundant, relatively cheap and more importantly, "multi-tasking" labour. However, this strategy does not now work now though.
In the '60s, BG was renowned for "cultural" shows staged by Rose Chan and the likes. I was too young then (and also too poor) to be a patron.
ipohgal
Hi AP, My dad grew up in BG before WW2. He told me there were some popular forms of entertainment during that time – chinese opera, chinese puppet shows, visiting circus and of course the little box with a small hole by Sir Run Run Shaw and his brother. They came on a bicycle and stopped at little towns. For a cent or two, you can take a peep into that hole and see some moving pictures when one of the brothers rotates the handle. You can find all these at the old Kuan Ti Temple in BG town esp… Read more »
Hi ipohgal,
"Wah Tu Lai Yea" sounds like the Cantonese pronunciation of Batu Gajah 🙂
Even in the challenging realm of polygamy, size does not necessarily count as amply demonstrated by your late paternal grandfather 🙂 I have come across several other similar proof.
August 1, 2011 6:36 am
ipohgirl, Our local author Dr Ho Tak Ming who was born in BG once said "Some think that the name Batu Gajah meaning "Stone Elephant" was derived from two elephant-shaped boulders in the Kinta River, making it impossible for the bigger boats to go further upriver to Ipoh, so that the goods had to be transferred at Batu Gajah to smaller boats for the journey upriver." Wikipedia goes a step further with "The name Batu Gajah, which literally means "stoned elephant" in the Malay language, is presumably derived from 2 large boulders that resembled elephants found along the Kinta River.… Read more »
Hi AP, On further thoughts, could the "kai hey" which you mentioned refers to "road-show" and not "chicken show?" If you pronounce "kai" with different tones, then you will get different meanings. I think in this instance, the "kai" when pronounce in lower tone means "road" as in "hang kai" or "sau kai." These shows are held in the open space near the roadside, hence the name. Just my 2 cents. And to ika, Thanks for your reference to Dr Ho's version. I too, preferred the first one. It is more convincible to practical minds. Finally to LMS136, "Wah Tu… Read more »
Hi AP & ipohgal, Interesting, "kei hei" = road side show, "kai hei" = chicken show and "tai hei" = opera show (the Cantonese and Teochew styles being more popular in the Greater Ipoh area). Take your pick – they are all shows of one variety or the other. Yes, I was told that Rose Chan also covered the Batu Gajah circuit drawing patrons from Ipoh who were too bashful to be caught patronizing her shows in Ipoh. Similarly, the Batu Gajah fans like ipohgal's paternal grand dad, stole away to watch her performance "discreetly" in Ipoh. They all did… Read more »
Batu Gajah, yes, it rings a bell, it reminds me of the first English School in Batu Gajah which was built in early 1900s. This schools was founded by a famous contractor and properties owner, Mr.K.Malai Perumal Pillay, who built most of the roads in BG. The school was later taken over by the government and was renamed " Government English School" in 1907. Mr.K.Malai Perumal's grandson is one of Ipoh's popular academician, Datuk Seri N.S. Selvamany.
Wendy Lewis
I am trying to find pictures of the Perak Hydro Electric Power Company Power Station which was on the right hand side of the railway line. It was in the 50's and there was a small village or kongsi for the staff. I lived there with my family Alfred and Hazel Simon and went to the Convent School in Batu Gajah. My teacher Mrs Cheong and her daughters Irene and Vivian lived there, also my best friend Margaret Freeman. Can you help?
Nick Band
Wendy, I have a few pictures of Perak Hydro Electric Power Company in Batu Gajah. Feel free to get in touch:
nick.band1959@gmail.com or find me on Facebook in Chesterfield.
Look forward to the contact, Nick
kldin
Had tuition at Perak Hydro in the early 1960s, saw movies there too, and also at MTD; and remembered walking back after show to our kongsi areas; we stayed in a semi-detached dwelling which faced a green space separating the Perak Hydro officer's quarters (kite flying spot and tadpoles activities). Hemm, too many memories. I was born here too. But I did managed to take photos before these dwellings were demolished…but these were probably in the 1980s and road, laterines, hedges and other nearby dwelling have since disappeared. My father was a winchman with MTD and SMTD, probably Dredge No.… Read more »


Ruth Mordecai's new, eponymous book is cause for celebration. A visual feast and a triumphant testament, it is a summation of her life's work at age 80. She had just left Torah class at Temple Ahavat Achim when we sat down for a light lunch at the Sandpiper Bakery on Middle Street. In person, Ruth radiates the same confidence and compassion that can been seen in her paintings and sculpture. We talked about her art, living and working in Gloucester and much more. You are invited to listen in.
B. First of all, this book is magnificent. A great achievement. Where can folks get a copy?
R. Trident Gallery and The Bookstore, both on Main Street in Gloucester, are selling it. Or, just get one from me, the artist.
B. The cost is $125 because of the abundance of high-quality reproductions and a very limited run. How many copies did you print?
B. Run me through the process you took, looking back over a lifetime of work and editing it down.
R. In about 2014, I did a series called The Container Series. They were big paintings and I threw into them a lot of the symbols that I have used over time. Maybe it was a ladder relating to the story of Jacob's Ladder. Horizon lines from some of the landscapes I've done. Or apples from earlier paintings. I threw it all in and I felt I was beginning to summarize what I've done. But the thing that was missing for me was, how do people know what motivated me to do these containers – what are the origins?
R. The biggest thing I wanted from this book was to have something for my children and grandchildren. I also wanted to make it for the museums and individuals that collected my work and my community.
At the same time, at Temple, there was a group that met around creating an 'ethical will' – and what is an 'ethical will'? It is what you leave to tell your children or your closest loved ones, a personal written memoir. I was approaching 80, a sort of landmark thing, and I thought if I don't do it now, it's not going to happen. There were other factors too.
Trump came in. I felt that anything that had a portion of 'the other' needed emphasis. The Jewish part of my work is very important to me to express. I sensed this creeping anti-Semitism coming back. It wouldn't matter if I were Mexican or Muslim or anything. It's coming from this same place of being 'other'. So that motivated me with the book.
B. Yes, I think it's motivating many of us these days. I hope so.
R. At heart, I am a teacher. There aren't as many artists now coming from a figurative tradition. I wanted to describe the journey from the figurative to abstraction in a way that people might be able to understand it. And I also wanted other artists to know that they can do this too.
Most people think you've got to have a book from Abrams Publishing. That assumes you've got a major gallery and have had a major museum show.
I thought, why can't I make a book that's equivalent to that and do it the way I want? Why not? My designer was wonderful, Meredith Anderson, who's at the Cape Ann Museum. She had a connection to a publisher that specializes in art books. Charlie Carroll, a wonderful guy from Gloucester, made sure all the photography was ready for printing. So it was all done right here in Gloucester. I took six months and just got it done.
B. The end result is fantastic. I think it's everything you set out to do … and beyond. Tell me about the text.
R. The two people who have written about my work (Judith Tolnick Champa and Ori Z. Soltes), I knew before. I felt they knew my work. So, I wasn't looking for someone who was necessarily a museum person, although they both are in their ways. They have known my work over a long period of time.
B. Two distinctly different voices. And you.
R. My 'Artist Statement' I'm very proud of. It took a long time to get it down to one page. But it is what I wanted to say. Fifty years in one page but I'm very pleased with it.
B. Fifty years in one book is an accomplishment too. As a record of your life and work, it's very clear and powerful; your journey and its metamorphosis through time and place and experience. Like all exploratory artists, there is always something of your previous work in the new work. It's evolutionary in that sense.
R. There was a book I saw. You walked right into it. The artist was front and center. Pictures of the artist in the studio before you got to the work. That was something I wanted to do.
B. Where was the cavernous space, the black & white photo at the start of the book?
R. That was 249 A Street in Boston. That's where my studio was for 25 years, before I came to Gloucester.
B. That's the question I really want to ask. Why did you come to Gloucester?
R. Well, for one thing, I met my husband Ed (Powers). He was coming from New York and I was in the studio in Boston. It was a live/work space.
B. This was the Fort Point Studios right?
R. Right, Fort Point. We tried living there for a few years and at some point we bought a house in Gloucester with the idea that we could rent it out while we stayed in Boston. That's not exactly the correct sequence of events. Before that, a friend let us use her house for a few days a week. It was summertime. We fell in love with the place.
B. How long have you been on Rocky Neck?
R. Since 1999. Almost 20 years.
B. Tell me about Rocky Neck. Supposedly, it's America's Oldest Art Colony. Anyway, it is unique. I don't know of another place quite like it.
B. That's gone now. There are many regional art enclaves throughout the country. What makes Gloucester so unique, Rocky Neck, in particular, is that it has real artist presence existing alongside a working waterfront. On Cape Ann, the artists aren't separate from the community. They are ingrained in the fabric of life here. A vital part of it. It's been that way for over 150 years.
R. It's not just visual artists but writers, dancers, musicians, and theatre. Pretty amazing how many talented people are here.
B. Creative people are a major part of the city's economic engine. Most citizens are aware that it is about art here as well as maritime. Artists are accepted and welcome. Most people here know an artist or two. I hope Gloucester never loses that but sometimes I worry.
R. Rocky Neck has been changing. We are threatened with development. I'm not sure what the forecast is. We have lots of energy now about our Board and community and sharing our exciting programs. Certainly, we still have serious artists there. We are connected to the whole Gloucester community.
B. Cape Ann is an artist's island. Was Fort Point your first studio?
R. No, actually when my kids were 5 and 7, I got a place in Watertown. The first studio was over the garage. Then when the kids were in school, a group of us formed a collective, right on the river in one of those old brick buildings.
B. I grew up right across the river in Brighton.
R. Oh. OK. Well, we were on California Street.
B. I know it well.
R. Yes. Hippies. South Boston was very conservative.
B. Uptight Irish Catholic. That's my background. It's disappearing now, I think.
R. Oh, it's changed so much.
B. Is it still there, your building?
R. Oh yes. There are two or three buildings where the artists own their own space are still there.
B. It happens all the time. Artists move into low rent, abandoned areas and the gentrifiers soon follow, pricing artists out.
R. People came there first because it was artsy. Then they drove everyone out.
B. Your recent show at Trident Gallery was wonderful. Was it meant to coincide with the release of the book?
R. I finished the work for Trident six months before the show, so it could be photographed and that would be the last chapter of the book.
R. The Missing Letters series. That's a result of our present political struggles. It's similar to the belief of the Messiah coming. When the mystical letter appears there will be no more repression and we will be loving. So, that's my way of dealing with what's going on now. It pushed me into that series.
Finally, these pieces are hopeful.
The one with the letters floating above it … those are Hebrew letters. One is an Aleph, the first letter in the Hebrew alphabet. Another is Chi, which means life. The third is Bet, which means home.
The story revolves around a rabbi who was very special to the people and his congregation. It was during the time of the Crusades. The Crusaders wrapped the rabbi in the Torah and lit it on fire. His parishioners were just going crazy, crying, 'What will we do without you? What's going to happen without you and the Torah?' And the rabbi says 'Do not fear – the letters are going up to God.' OK? Well … it was something that grabbed me.
B. Wow. I can see why.
B. It's a very powerful story. But the work stands on its own.
R. There are some mono-prints. I love collage. I cut up and pasted some mono-print forms. Two of those, black & white. And another one, more painterly, with the apples.
B. Yes, tell me about the apples. It's a recurring theme. Anything to do with Adam and Eve?
R. No. Nothing. We had apple trees in my backyard growing up. Eddie, the man who worked there, he and I would go out and shake the tree, put all the apples in baskets, bring them in to my mother. She would make apple pie, applesauce and the house would smell wonderful.
B. Another great story. Let's see, anything else you want to add in conclusion?
R. No. I'm just thrilled it's done. Thrilled you are interested.
B. The thrill is all mine. Thanks, Ruth.
Bing McGilvray is an artist, flaneur, and raconteur living in Gloucester.


The Stark Online: New Single from POND - "Moth Wings"
New Single from POND - "Moth Wings"
We've been hearing about Australia's very own POND for some time now. They just released "Moth Wings," the second single from their upcoming record, Beard, Wives, Denim out March 6 on Modular Recordings. Dig it above. Has some balls eh?


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IRCICA Director General Prof. Dr. Mahmud Erol Kılıç addressed the International Conference on «The Contribution of Oriental Scientists to Islamic Civilization»
by OIC IRCICA 19 May 2022
An International Online Scientific and Practical Conference on the theme «The Contribution of Oriental Scientists to Islamic Civilization» was co-organized by: the Committee on Religious Affairs of Uzbekistan, the Center for Islamic Civilization in Uzbekistan, the Muslim Board of Uzbekistan, the International Islamic Academy of Uzbekistan; Al-Biruni Institute of Oriental Studies, Uzbekistan Academy of Sciences; Imam Maturidi International Scientific Research Center; Imam Bukhari International Scientific Research Center; Imam Tirmizi International Scientific-Research Centre; the Institute of Islam Hadhari, Universiti Kebansaan Malaysia (UKM) and IRCICA, on 19 May 2022. Ambassador Prof. Dr. Mahmud Erol Kılıç, Director General of IRCICA, was invited to deliver an address at the conference.
The conference brought together researchers and scientists from around the world who are engaged in the study of Islamic sciences in the heritage of Oriental scholars. It focused on topics such as the development of natural and exact sciences in Mawaraunnahr, the influence of Muslim scholars on the development of world science, the coverage of the issue of intercultural tolerance in the works of Muslim philosophers, among others. Speaking at the plenary opening session, Dr. Muzaffar Kamilov, Adviser to the President of the Republic of Uzbekistan, Rector of the International Islamic Academy of Uzbekistan, underlined that the scientific activities carried out by Eastern people and specifically in Central Asia during the 9th-11th centuries and the institutions such as the Bait al-Hikmah in Bagdad are recognized all over the world and their discoveries are still embodied in European sciences. He evoked the major figures having made discoveries in each field of science. The plenary also heard the addresses of Grand Mufti Nuriddin Kholiknazarov, Chairman of the Muslim Board of Uzbekistan; Grand Mufti Nauryzbai Kazhy Taganuly, Chairman of the Spiritual Administration of Muslims of Kazakhstan; Grand Mufti Zamir Kary Rakiev, Chairman of the Muslim Board of Kyrgyzstan; Dr. Salim al-Malik, Director General of the Islamic World Educational, Scientific and Cultural Organization (ICESCO). In his scholarly address to the same session, the Director General of IRCICA, Prof. Dr. Mahmud Erol Kılıç highlighted the central role played by scientists and philosophers of the Golden Age in the history of world civilization with the transmission of their works into Europe and also other cultures and civilizations around the world starting from medieval times, and also, in recent centuries, by their teachings and heritage forming common grounds for rapprochement among the Muslim peoples and communities around the concept of Islamic cultural solidarity.
Participants from universities in Egypt, Germany, Iran, Kazakhstan, Kyrgyzstan, Malaysia, Pakistan, Turkey and Uzbekistan presented research papers during the conference, which was organized in four parallel sessions:
First session: The Study of Islamic Sciences in the Heritage of Eastern Scholars
Second session: Development of Natural and Formal Sciences in Mawaraunnahr
Third session: The Influence of Muslim Scholars on the Development of World Science
Fourth session: The Contribution of Muslim Scholars to World Civilization.
At the second session, moderated by Prof. Dr. Ashirbek Muminov, Advisor to the Director General of IRCICA, and Dr. Saidmukhtor Akilov, Associate Professor at the International Islamic Academy of Uzbekistan, a comprehensive presentation was made by Prof. Muminov together with Mr. Veysel Bulut, Researcher, IRCICA, on the project they are conducting jointly at IRCICA to compile a comprehensive bibliography of the copies of the works of Ibn Sina preserved in the libraries of Turkey. Prof. Muminov spoke of the theoretical aspects – background, objectives, necessity, and scientific importance of the project, taking into consideration the knowledge and records available previously. Mr. Bulut described the methods followed and technical aspects of the compilation of information about each copy of Kitab ash-Shifa and Qanun fi'l-Tibb found in the libraries. He gave figures relating to the copies assessed, which had added to the numbers that were known through earlier bibliographies.
Joint Seminar with Eurasian National University, Kazakhstan
COMSTECH Awards for S&T
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IRCICA participated in the Coordination Meeting of OIC...
9th Forum of the UNAOC: IRCICA DG addressed...
Nazarbayev Center's conference on "Neighborliness of Cultures"
International Forum "Central Asia–Center for Islamic Art" kicked...
Int. Conference "Sustainable Tourism, Pilgrimage, and Sacred Heritage",...
H.E. Hissein Brahim Taha, Secretary General of the...
"Islamic Civilization in Central Asia" Conference, jointly with...


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