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PROPERTY IDENTITY FRAUD
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CONVEYANCING NEGLIGENCE CLAIMS
Estate Agent Professional Negligence
Funding Your Case – London & Brighton Solicitors
IFA Professional Negligence Claims
Negligence in Construction
Negligence Surveyors and Valuers
The Professional Negligence Pre-action Protocol
Under-Valued Personal Injury Claims
Professional Negligence FAQ
Most purchasers of a property pay through their solicitors to the seller's solicitors the deposit and then the completion monies. However a small (but growing) number of purchasers are finding that having paid the deposit and completion monies, they do not own the property. This is a devastating outcome and potentially financially ruinous.
However, do not despair but do contact Robert Johnson of Healys LLP who will in these circumstances be able to recover your monies.
Robert has built up a considerable amount of experience and expertise in dealing with these types of property frauds. The fraudster could be someone impersonating the true owner of the property; or a rogue conveyancer at the firm instructed by the true vendor; or a party who by way of cyber crime is able to interfere with the transaction and divert the monies to his/her (wrong) account. It does not matter; Robert will be able to assist you.
If you have been the victim of a property fraud, please contact Robert Johnson for a free consultation on 020 7822 4106 or 07899 973306. You can also contact him at robert.johnson@healys.com
Claims against intended purchaser's solicitors and purported vendor's solicitors
Acted on behalf of the intended purchaser against two firms of solicitors in relation to a fraudulent property transaction in the sum of £1.1 million. We succeeded in obtaining judgment against the First Defendant for breach of trust after a 6 day Trial. The First Defendant appealed, our client cross-appealed and the Court of Appeal considered it together with a co-joined appeal for four days in 2018: The Court of Appeal held that both Defendants were jointly liable for our client's losses.
"I am pleased with this judgment, which in my opinion shows clearly that conveyancing solicitors owe a serious duty of care towards their clients or the other party when it comes to warranting an authority. Whether they act for the vendor or the buyer, they should be more accountable, and should not be able to simply try to walk away from a mistake, or to blame their own clients for being careless buyers. I would like to thank my solicitor acting on behalf of Healys LLP for their astuteness, efforts and hard work in helping Dreamvar to win this case."
Erman Vardar
Claims against Sterling Avram LLP ("SA")
Acted on behalf of a firm of solicitors who had acted for the intended purchasers of a house for about £7 million. The purchase monies had been paid to SA (a genuine firm of solicitors) but the fee-earner dealing with the transaction at SA was a fraudster. In his position within SA, the fraudster was able to pretend that he and SA were acting for the true vendor of the house whereas the whole transaction was a fiction. Hence when the monies were received for the purchase of the house, they were not transferred to the true owner of the house but rather accounts in Eastern Europe. After a number of years judgment was obtained against SA by both the intended purchasers (for whom we did not act) and the intended purchasers' solicitors (for whom we did act) for both the full amount of the losses and the majority of legal costs incurred.
"Since 2016 Robert Johnson has defended us in a complex professional negligence claim where we had the misfortune of being victims in a complicated property fraud. The claim had severe financial and professional implications and Robert demonstrated from the outset an ability to understand and narrow the issues; an appreciation of the sensitivities; and a thorough knowledge of the law, process and procedure. Robert's professional negligence expertise is renown and in our experience with very good reason. He dealt with the litigation with assuredness (and times cunning) but he was most impressive by the way he was able to bring the opposing parties to the negotiating table and with his excellent skills he managed to turn what was a lost cause into a winning position. Robert has been a fantastic advocate throughout. We always felt very confident in his ability and judgment which did a lot to reduce the stress of the litigation. He provided us with clear and practical solutions and delivered an extremely good (and unexpected) outcome."
Claims against intended purchaser's solicitor
Acted for the intended purchaser of a property for about £300,000 but because the purported vendor was a fraudster, the monies were paid to that fraudster and our client did not become the owner of the property. Within 8 months and without having to go anywhere near a courtroom, all of the purchase monies and most of the legal costs had been recovered.
"As a QC with over 30 years in practice it came as an unpleasant shock to find myself cast in role of claimant in a professional negligence action. I count myself very fortunate to have instructed Robert Johnson to act on my behalf. Throughout the case Robert provided an excellent service in every respect. He has first class legal knowledge, is tactically astute, an excellent communicator who is always prepared to go the extra mile to secure the best possible outcome. I have no hesitation in strongly recommending him."
Call our London office on 020 7822 4000 or our Brighton office on 01273 838734. You can also contact us online.
London: 020 7822 4000 Brighton: 01273 838734 Or you can contact us online: Contact Us
PROPERTY IDENTITY FRAUD capabilities
PROPERTY IDENTITY FRAUD experiences
PROPERTY IDENTITY FRAUD insights
50% off Healys LLP'S legal fees with the Start-up Saver Scheme for Entrepreneurs and Disruptors
We understand that starting a new business often takes a lot of blood, sweat and tears (AKA money, time and energy). Would-be entrepreneurs are faced with a host of challenges – not least a raft of legal issues that they need to consider. Failing to do this early doors can be incredibly costly in the long run too. Continue reading »
Articles of Association are the rules that govern how a company operates and most companies will adopt the Model Articles when they are incorporated. However, there has been some confusion about whether the Model Articles are suitable for companies with a sole director. Continue reading »
Healys' Corporate & Commercial has recently expanded and we welcome new solicitor and partner, David Gordon, to the team. David sat down to tell us about himself and what motivates him as he supports his clients. Continue reading »
Healys LLP will be hosting a virtual webinar and networking event to explore what your business needs to know in relation to the recent introduction of The Register of Overseas Entities. Continue reading »
Earlier this year, Jamie Tavares (corporate solicitor) and David Gordon (corporate solicitor and partner) worked with Andreas Williams (a real estate and property development expert with extensive experience spanning over 25 years) to secure investment into UK property for overseas clients through an SPV (see below). Continue reading »
PROPERTY IDENTITY FRAUD awards
Chambers & Partners 2023 : Professional Negligence – "Robert Johnson has considerable expertise representing individuals in negligence claims against solicitors, accountants and real estate agencies. We are impressed at how thorough and tenacious Robert Johnson is - his whole attitude is immensely encouraging and reassuring."
Legal 500 2023 : Professional Negligence - "Healys LLP has an established practice focused on claimant based work, covering legal, financial and construction professional negligence. Team head Robert Johnson, who has now been at the firm for over 17 years, has a wide range of experience dealing with claims against solicitors, barristers and litigation funders. David Bailey has a good track record acting for claimants against legal and financial professionals."
PROPERTY IDENTITY FRAUD news


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redpajama_set_name: RedPajamaGithub


Have you ever noticed the night sky during a winter's snowfall? It is a stunning mixture of purple, magenta and blue. First grade artists created winter landscapes using these colors to illustrate the beauty of the winter sky.
We learned about the art of Barron Krody, a local Long Island landscape painter who paints on an orange background. Why? Because painting on a background that compliments the top layer of paint helps make the colors really POP! and catches the viewers eye.
First grade artists began by mixing a periwinkle blue for the foreground of snow in their landscape. They then added a bit of magenta which changed the blue into a purple and painted the sky over the ground covering the entire sheet of orange colored paper.
During the next art class, students learned about the branching patterns found in trees. We discovered that every tree starts off with one strong base: the trunk, and then branches out and up into many smaller parts. Every part of the tree, no matter how small or thin, can be traced back to its core, the trunk. Students tore brown paper into strips of various lengths and widths and collaged them in branching patterns over their painted background to form a landscape of bare, winter trees.
Some students choose to illustrate depth of field by collaging smaller trees in the background, making them seem far off in the distance.
Others incorporated glitter to help illustrate a snow storm in action.
Some students were eager to collage the infamous winter art form: Snowmen and Snowomen!


Join Áine Minogue (Irish harp/vocals) as she celebrates the symbolism of Spring in Ireland and the Celtic lands.
This program will explore the Celtic Wheel of the year, particularly as it relates to the Spring Equinox, a most important date on the ancient Celtic calendar. This Pan-Celtic odyssey is nothing less than an enchanting evening of music, storytelling, and tradition that is appropriate for all ages.
Áine Minogue was born in Borrisokane, Country Tipperary and moved from Ireland to the United States as an adult. She continues to concentrate on the traditional music of her homeland, both as a soloist and collaborator.


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This adorable little Handfuls stuffed monkey is cuddly soft and super sweet. With soft brown fur, cream accents, and a sweet smiling face, this plush monkey is the perfect size for take-along adventure. After all, stuffed monkeys thrive on fun and companionship.


text:
Australia Economy News
The cruel dilemma at the heart of WA's success at flattening the COVID-19 curve
April 7, 2020 April 7, 2020 - by australia - Leave a Comment
It could mean fewer deaths. Mercifully, Australia has so far been spared the grim numbers of other nations. Coronavirus caused 599 deaths yesterday in New York alone.
So Mr McGowan is right. Seven new cases is a great outcome.
But there is a cruel dilemma at the heart of WA's success at flattening the curve. So few infections means the restrictions that are crippling our society could go on longer than the six months foreshadowed by Prime Minister Scott Morrison. They could go on until we have a vaccine, which could be well into the new year.
If there is not enough immunity built into WA's population, any easing of restrictions will just see fast moving outbreaks and we would, quite literally, be back exactly where we started.
On the other hand, keeping the restrictions – the social distancing and the tight travel bans – means the jobs which have evaporated won't return anytime soon, if at all. It means guaranteed economic pain across the state.
How long could WA's partial lock down last?
It's a question WA's politicians are reluctant to answer precisely, mostly because predictions about this coronavirus pandemic, even by the world's leading epidemiologists, have often been wrong.
…we really need to just understand that this is going to be a long winter.
Health Minister Roger Cook
Few foresaw how fast COVID-19 would rip through populations, or how successful WA would be in locking it down. This is the heart of the dilemma.
"We're in it for the long haul," Health Minister Roger Cook said yesterday.
"Some people have had the misapprehension that this is just a matter of weeks, it's not. It's going to be a matter of months and we really need to just understand that this is going to be a long winter."
Curtin University epidemiologist and pro-vice chancellor of health science Archie Clements said WA's strategy had been containment and suppression of the epidemic rather than building up immunity.
"And so of course if we continue to be as successful as we have been in squashing the epidemic, or flattening the curve, it will mean that very few people in Australia, and WA in particular, will have been exposed, which means there will be very low levels of immunity," he said.
"That means we're really relying on the emergence and availability of a vaccine."
A vaccine is the best way to create enough immunity in the state to prevent outbreaks once restrictions are lifted.
If a pathogen is introduced or reintroduced into the community, there aren't enough susceptible people to propagate an epidemic.
In WA, Professor Clements said it was possible social distancing restrictions could be lifted before the travel bans if there is no evidence of widespread community transmission.
"[This means] things like students going back to school, universities having students back in the classroom, some of the business shut downs," he said.
"The international and interstate travel restrictions and the testing and contact tracing, those are going to be the key strategies in maintaining the very fortunate position we're in."
What does the 'secret' coronavirus modelling say?
A model describing how the virus will move through WA is driving a lot of the decisions about restrictions, but so far it has stayed under wraps.
Mr Cook said he would consider releasing it once he had seen the national modelling.
But the state's modelling would be rejigged given the low rates of new infections.
"Under a range of modelling, you see different levels of outbreak in the community," he said.
AMA(WA) president Andrew Miller says he wants the 'secret' WA coronavirus modelling released so the community knows what it is up against.Credit:Lauren Pilat
"What we now see is a very low incidence of infection in the community and indeed you'll note that from today none of those people were actually close contacts of people who have come from overseas, they are all from overseas.
"That means we've got some very low infection rates indeed and that will influence our modelling and our understanding on how the disease is making its way through the community."
AMA(WA) president Andrew Miller urged the government to release the modelling, which was always going to differ from the rest of the country.
He expected each region would also require different modelling, given the vast size of WA.
Dr Miller said doctors were worried they were relying on optimistic estimates of what the system could cope with.
"We don't think that they're doing such a great job that they can do it in secret," he said.
"Tell us what the plan is. What are the milestones? This is about the future of our entire society."
What are the economic costs of pandemic restrictions with no end in sight?
WA's Chamber of Commerce and Industry has predicted a six month partial lock down would deliver a $15 billion hit to the state's economy.
That's about 5 per cent of the state's economy and would cost 100,000 jobs. But this forecast also included a six week full lock down.
The CCI (WA)'s chief economist Aaron Morey said big spikes in infections – a failure to flatten the curve – could be worse for the economy.
"What we're observing is that those economies which fail to control the spread of the virus, they end up being forced to implement really, really tight, draconian restrictions and then the economic dislocation becomes enormous," he said.
"And what we've learned from previous economic crises is that it takes a long time to stitch back the economy.
"It's not just the economics, it's the social aspect as well. What we often find in these sorts of crises is that if someone loses their job they may never get it back again, or it may take them a very long time."
UWA professor of economics David Gilchrist says businesses are adjusting to a new normal.
Mr Morey said the CCI(WA) backed a staged, prudent approach to both ramping up measures and eventually de-escalating them on the other side of the pandemic. This might mean first opening up of those sectors of the economy servicing local consumers, such as restaurants and cafes.
UWA economics professor David Gilchrist, a former assistant WA Auditor General, said there was hard evidence of the economic costs of the pandemic including a collapse in consumer and business confidence and growing unemployment, but there would be some good news amid the bad if a partial lock down continued into 2021.
"We are fast coming to a position where a lot of organisations are settled into a new way of working," he said.
"One would hope that over the next six months we start to look at reconstruction after this process and we start to look at how we build resilience over the 12 months period, learning from the experience we've had up until this point in time."
Professor Gilchrist said there was opportunity for WA's service based businesses to re-examine some of their physical cost bases.
"I wouldn't be surprised if we don't return to how we did business in February, 2020, but we probably have a more disciplined capacity for working as geographically dispersed businesses," he said.
"With the discipline of having to keep the business going in this particular period, I think it means that we're really tackling seriously the issues of maintaining our productivity, which will hopefully be a lesson we learn in the long run."
Nathan is WAtoday's political reporter and the winner of the 2019 Arthur Lovekin Prize for Excellence in Journalism.
TaggedCOVID19cruelCurvedilemmaflatteningheartsuccess
Mining and agriculture will 'underwrite Australia's economic recovery' – Sky News Australia
COVID-19 cases surpass 1.9 million worldwide, Australia death toll at 62 as unemployment rate tipped to grow
Mining and agriculture will 'underwrite Australia's economic recovery'
Previous Article Australia has flattened curve, and US infections about to peak – Christopher Joye
Next Article Australia's record year for investment and generation in renewable energy
View all posts by australia →
IMF forecasts big coronavirus growth hit amid world in a 'great lockdown'
Renewables could drive Australia's COVID-19 economic recovery
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redpajama_set_name: RedPajamaCommonCrawl


text:
SAIF Golden Charter
A study of our death rituals
photo: Mona Museum of Old and New Art, Hobart, Australia
Download a pdf of the magazine featuring this article
As well as celebrating and remembering the departed, funerals are typically steeped in tradition, symbolism and the sense that there is a "proper" way of doing things. In Britain, a sombre mood, sober clothing and a predictable series of events are all signifiers of dignity largely inherited from our Victorian forebears.
This makes perfect sense of course; at a difficult and often tumultuous time, there is comfort in reaching for the certainty of ritual, of a shared experience that unites us.
Death rites are as old as humanity itself, with archaeological evidence of flowers and antlers being laid on corpses in Neanderthal burial sites dating back to 60,000 BC. By 3,400 BC, the ancient Egyptians had devised some of the most complex, lavish and ritualised death rites in history, reflecting a trend (which continues of this day in many cultures) of the funeral as a reflection of the deceased's status in life, as well as a helping hand into the afterlife.
So, while fact of death is universal, the cultural lens through which we experience it is anything but – a fact reflected in the dizzying range of funeral rituals we now see across the world.
One of the best-known (and possibly most understandable, to our British sensibilities) is the New Orleans jazz funeral, in which a marching band playing dirges leads mourners to the burial site, before switching to a celebratory ragtime jazz after the body is interred. In this latter part, mourners are encouraged to dance.
Many cultures send off their dead in a way which is much less familiar. In Buddhism, the soul is thought to 'transmigrate' on the moment of death, leaving the body an empty vessel quite disassociated from the person. Many Vajrayana Buddhists in Mongolia and Tibet choose to return their bodies to the earth by being left on a mountaintop, exposed to the elements and carrion – a practice known as "sky burial".
In Madagascar, there is a ritual called "famadihana," or "the turning of the bones." Once every few years, families will congregate at the family crypt to exhume the bodies, spray them with wine or perfume and replace them. The ritual is typically a celebratory affair, with music, dancing and the sharing of stories about the dead.
Even seemingly familiar coffin burials are given an unexpected twist in some parts of the world. In Ghana, it is common for people to be buried in elaborate coffins which reflect their interests in life. These "fantasy coffins" can take any form, from Mercedes cars and giant cola bottles to fish and bibles.
Closer to home (culturally speaking), a growing number of people are choosing to mark death in their own distinctive fashion, whether by having their ashes launched into space or, in the case of writer Hunter S Thomson, fired from a canon, perched atop a 47-metre tower in the shape of a double-thumbed fist.
While many will view this as a little ostentatious, there is variety in our own funeral tradition and people are increasingly open to looking beyond the Victorian model. For example, SAIF member GreenAcres Woodland Burials is at the forefront of this change, offering 'natural burial grounds' in carefully selected woodland settings across the UK. Its emphasis is firmly on delivering bespoke packages which reflect the life of the deceased, and meeting unusual requests.
While we are unlikely to see sky burials in Milton Keynes in the near future, the presumption toward heavily prescribed Victorian-style funerals is quickly becoming a thing of the past, as a growing number of people look to other traditions – or create their own – to reflect and celebrate the life of a loved one.
Welcome to the Dark Mofo festival
Funerals are always evolving and changing with the times. From the traditional Victorian rites to today's growing trend for eco-friendly funerals, there is never a defined norm.
Around the world, different cultures remember their loved ones in varying styles. Today, there is emphasis on celebrating life and death.
In June, Tasmania held a two-week Dark Mofo festival, exploring the ancient and contemporary mythologies around death.
Hosted in conjunction with Museum of Old and New Art (MONA), this year's Dark Mofo featured a packed programme of art, theatre, music, film and food. Key events included the 'Funeral Party', a gothic ball held in a funeral parlour, and 'Hymns to the Dead', a concert featuring some of the world's heaviest black and death metal bands.
And the festival's finale was an early morning dip in Loch Beach at Sandy Bay to celebrate the winter solstice with more than 700 people plunging into the icy water as the sun started to rise.
Now in its fourth year, Dark Mofo festival has become one of Tasmania's most popular annual events, last year attracting about 280,000 people to Hobart.
The festival has captured popular and critical acclaim, winning prestigious performing arts awards and government funding.
Uncovering practices and beliefs
Not all cultures see black as the colour of death and mourning. In East Asia, white is used, because it is seen to represent the purity and perfection of the deceased person's spirit.
And some of our funeral traditions have their roots in much older beliefs.
Closing eyes: It's obviously necessary to close the eyes before rigor mortis sets in. But, practicalities aside, it was once believed that the gaze of a corpse could bring bad luck.
Direction of burial: Although the practice of burying bodies is often linked to Christianity, it was already in use long before the religion reached these shores. One theory is that pagan sun cults buried their dead to face the rising sun, and the custom was appropriated by early Christians.
Pennies: We are all familiar with the custom of using pennies to keep the eyes of the deceased closed. In ancient Greece and Rome though, a coin was placed inside the mouth, for the deceased to pay the ferryman, named Charon, to take them across the river Styx into the afterlife.
Wakes: While modern wakes typically take place after a burial or cremation, they traditionally involved family members keeping a vigil over the deceased in the days leading up to the funeral. Staying awake during this time (which is where the word originates) was a mark of devotion.
Tags: Australia, beliefs, Buddhism, culture, Dark Mofo, folklore, Funerals, green, practices, religion, rites, Tasmania, tradition, UK
COVID-19: Navigating the path
The pandemic brought trials, tears and trauma to the front line – with more challenges ahead. SAIFInsight finds out how… Read more >
Keeping up with online pricing
New SAIF member requirements mark an important move to greater transparency Following October's announcement that SAIF is to make online… Read more >
I'll be home for Christmas
2020 will go down as the year the world pressed the pause button. It certainly has not been a great… Read more >
A 15-point action plan for Small and Medium Enterprises The UK left the EU at 23:00 GMT on Friday 31… Read more >
Getting regulation ready with Golden Charter
Golden Charter's Director of Sales discusses how the company's Funeral Director Agreement with its valued partners is an important step… Read more >
The National Society of Allied and Independent Funeral Directors (SAIF) is a trade association whose members are all independent funeral directors. A large proportion of our members' funeral homes have been run by the same family for generations.
Click here to visit SAIF
Golden Charter
Golden Charter is the leading independent provider of funeral plans in the UK. We work on behalf of over 3,000 funeral directors across the country and have over 500,000 customers.
Click here to visit Golden Charter
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text:
Hedge funds unsure over Basel III impact
While full implementation of capital requirement regulations could have a major effect on hedge fund financing, one in three are unaware of the potential impact, finds a new survey.
Dan McNicholas says Basel III will change the financing of hedge funds
At least a quarter of hedge fund managers globally have no idea whether incoming capital requirements emanating out of Europe will have a major impact on their business.
The Basel III regulations, not due to be fully implemented until 2019, require banks to have risk-based capital and leverage ratios of at least 10.5% and 5% respectively. It would likely mean that banks would be less willing to lend money to hedge funds seeking to buy illiquid securities that they may hold on their books for an indefinite period.
But State Street survey, released yesterday, revealed a sizeable proportion of hedge fund managers did not know whether the rules would significantly increase their cost of financing (29% didn't know), change their business model (25%), or change the way they manage service providers (26%).
Dan McNicholas, State Street's Asia head of sector solutions for alternatives based in Hong Kong, said there would be a "fundamental change in how hedge funds finance themselves" once the Basel III rules were implemented in full.
Ignorance over the impact of regulatory changes was the most interesting revelation of the poll. "The burdens placed by regulators are going to have a dramatic impact," suggested McNicholas. "What it takes to run a hedge fund both in terms of cost and people is expected to increase significantly."
Almost all survey respondents said they expected regulatory scrutiny of the hedge fund industry and operational complexity to increase, with nearly a third expecting both to rise significantly.
As a result, McNicholas suggested the industry would face rising expenses, with infrastructure requirements alone costing $6-20 million depending on the size of the fund. Conducting due diligence on potential investors was taking longer than before and the focus on operational and other non-investment activity had "increased significantly post-2008", he added. "That trend is unlikely to diminish."
There are, however, likely to be differing impacts on firms depending on their strategies. Investment banks' allocation of resources to their prime broking arms is likely to make some clients more attractive than others, and hedge funds could suffer, noted McNicholas.
Hedge funds running a niche strategy with high leverage demands would have a greater impact on prime brokers' capital requirements, while clients with more straightforward strategies that pay higher equity commissions would be looked upon more favourably.
The impact of Basel III on Asia-focused hedge fund managers has also been increasing, and could limit funds' diversification into strategies pursued by hedge funds in the West, which often require higher leverage and levels of risk.
Relatively low-cost equity hedge strategies account for 71.3% of assets managed by Asia-focused hedge funds, compared with a global average of 27.7%. More capital-intensive hedge fund strategies account for only 25.8% of assets managed by Asia-focused hedge funds, compared with 53.2% of global hedge fund assets.
More constrained financing may inhibit a more diverse range of Asia-focused hedge fund strategies developing, but McNicholas is confident the region can avoid this. "The general trend of Asia being a home for, and having the capacity for, more complex strategies continues. From 2006 onwards it's always been on an uptick," he said.
The survey showed 91% of hedge fund managers agreed that funds in the future would be required to demonstrate their value to prospective investors more clearly to attract capital.
Increasingly that capital is coming from ultra-high-net-worth investors. Of those polled, 65% expected allocations from UHNW investors to increase, compared with 63% who expected a rise in allocations from institutional investors.
McNicholas said Asia would see growth of HNW investors share of hedge fund AUM. This is partly due to the rising importance of liquid alternatives. Half of the survey respondents agreed that liquid alternative funds, such as those under the Ucits umbrella, would seize share from traditional hedge fund strategies over the next five years.
*A survey of 235 hedge fund executives was conducted by Citigate Dewe Rogerson in October 2014. Asia-Pacific-based respondents made up 11% of the total, with 57% in North America and 32% in Europe.
dan mcnicholas state street basel iii
State Street's client team in HK hit amid staff cuts
The sales team in Hong Kong has suffered another recent senior departure in Hong Kong amid global layoffs at the asset management and custody giant.
Basel III spells opportunity for buy-side
New restrictions imposed on banks will create investment opportunities for the likes of pension funds and private banks, says Anurag Mahesh of Deutsche Bank Private Wealth Management.
Richard Newell
Put pressure on manager fees, says State Street's Gerard
Some big institutions find index-based investment harder than they expect and should push asset managers to cut fees instead of trying do it themselves, says a State Street executive.
Outlook 2021: Experts differ on appeal of US, EM equities
As the world recovers from the coronavirus pandemic, equity markets are expected to follow suit, although investors are divided on which markets to focus.


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Injury blow for Joe Rodon
Steve Cooper has revealed Joe Rodon is likely to be sidelined for a significant period with the Swansea City defender requiring surgery on an ankle tendon injury.
The 22-year-old had been an ever-present in the Championship for the Swans this season, but – having shaken off a knock to face Brentford in midweek – suffered a new injury against the Bees that is set to keep him sidelined months rather than weeks.
The Wales international was forced to miss the South Wales derby victory over Cardiff, with his replacement Ben Wilmot grabbing the winner.
"I'm disappointed for Joe, he picked up a fresh injury on Tuesday night," said Cooper.
"We were a little bit worried because he had a knock on the ankle last week, which he was trying to play through, so we thought it was an extension of that.
"But it's a completely new injury that's ruled him out for a few months. He's going to need an operation next week.
"He's got a tendon injury that rules him out of the Wales games as well. We're disappointed for him, but what hurts him will make him stronger, that's for sure.
"He was close to tears. I think it hit home yesterday when he knew he wasn't going to play.
"But he stood by the side of the team and didn't leave us for one minute.
"He was with us doing our prep and on the bus.
"That's disappointing for him. But we look forward to welcoming him back and looking after him through his rehab."


text:
Home News Study shows Technology Metals' Gabanintha vanadium project is worth $1.3b
Study shows Technology Metals' Gabanintha vanadium project is worth $1.3b
A study on Technology Metals Australia's wholly owned Gabanintha vanadium project has placed a pre-tax net present value (NPV) of $1.3 billion on the project – significantly higher than the company's current market cap of just $25 million.
Technology Metals is now one of only a few ASX-listed companies to have completed a full pre-feasibility study (PFS) on an Australian vanadium project, placing it ahead of the majority of its peers.
"This is an outstanding result for the technically robust, extremely high-quality Gabanintha project in a vanadium market environment that is desperate for injection of new production," managing director Ian Prentice said.
The PFS estimates that the 13,000-tonne-per-annum Gabanintha operation will have a pre-tax internal rate of return (IRR) of 55 per cent with a payback on capital of just 3.4 years from first drawdown.
NPV and IRR are metrics used to assess the profitability of a project. The higher the NPV and IRR, the more profitable a project will be.
The mine will have an initial 13-year life and is expected to generate $3.1 billion of total earnings before interest tax, depreciation and amortisation.
The total cost to build the operation is forecast to be around $380 million – much less than the $625 million Neometals (ASX:NMT) indicated in 2015 it would need to build its nearby Barrambie titanium and vanadium project, which is slated to produce 2,000 tonnes per annum of vanadium and 98,000 tonnes per annum of titanium.
TNG's (ASX:TNG) Mount Peake project and King River Copper's (ASX:KRC) Speewah project both also require a much bigger capital outlay than the Gabanintha project.
The estimated operating cost, meanwhile, compares favourably to Technology Metals' global peers at just $US4.27 per pound of vanadium.


3Q Holdings is an international software and service provider to retailers. Our comprehensive suite of end-to-end solutions include point of sale, merchandise planning, merchandising, distribution and financials.
Intelligent Retail Ltd is the developer of the "Connect" multi-channel retail solution with offices in the UK and Australia.
Founded in 2004, Intelligent Retail was the first company to design a multichannel retail solution specifically around the needs of independent retailers – encompassing in-store PoS systems, eCommerce, mail order, telephone orders, as well as online marketplaces.
The company's award-winning "Connect" multichannel epos system is used today by around 600 retail customers throughout the UK and Ireland and provides retailers with both a comprehensive in-store solution as well as an online "Connect eCommerce" webstore.
Backed by in-house creative design and online marketing teams and featuring seamless integration into leading online marketplaces, including eBay and Amazon, the "Connect" epos solution allows retailers to rapidly develop an effective web channel.
Island Pacific has offices in the US, UK, Australia and New Zealand. Island Pacific's solutions include retail merchandising, merchandise planning, financials and point of sale software solutions.
For 30 years, Island Pacific has been a thought leader in retail software solutions, and has developed a reputation for delivering high-quality, high-reliability software and services to the retail industry. As a result, Island Pacific is a leading resource for scalable, flexible and affordable solutions for retailers around the world. Island Pacific's solutions are used globally in market segments such as apparel, footwear, furniture, entertainment, electronics, discount and variety.
AdvanceRetail Technology, since launching it's first retail POS system in 1990, is now a leading global retail solutions provider with offices in NZ, Australia and Malaysia and representation covering the Asian region including China, Korea, Hong Kong, India, Indonesia and Singapore. The company has a range of strategic alliances through which it takes its products and services to market, including industry leaders such as SAP, Microsoft and IBM.


Table A.32 shows the TPIU signals.
afreadys Input atclk ATB data flush complete for the master port.
atbytess[1:0] Input atclk ATB number of valid bytes, LSB aligned, on the slave port.
atclk Input atclk ATB clock.
atclken Input atclk ATB clock enable.
atdatas[31:0] Input atclk ATB trace data on the slave port.
atids[6:0] Input atclk ATB ID for current trace data on slave port.
atresetn Input atclk ATB reset for the atclk domain.
atvalids Input atclk ATB valid signals present on slave port.
extctlin[7:0] Input atclk External control input.
flushin Input atclk Flush input from the CTI.
paddrdbg[11:2] Input pclkdbg Debug APB address bus.
paddrdbg31 Input pclkdbg Enables components to distinguish between internal accesses from system software and external accesses from a debugger.
pclkdbg Input pclkdbg Debug APB clock.
pclkendbg Input pclkdbg Debug APB clock enable.
penabledbg Input pclkdbg Debug APB enable signal, indicates second and subsequent cycles.
presetdbgn Input pclkdbg Debug APB asynchronous reset.
pseldbg Input pclkdbg Debug APB component select.
pwdatadbg[31:0] Input pclkdbg Debug APB write data bus.
pwritedbg Input pclkdbg Debug APB write transfer.
se Input N/A Scan enable.
tpctl Input atclk Tie-off to report presence of tracectl, static value.
tpmaxdatasize[4:0] Input atclk Tie-off to report maximum number of pins on tracedata, static value.
traceclkin Input traceclkin Trace clock.
tresetn Input traceclkin Trace clock asynchronous reset.
trigin Input atclk Trigger input from the CTI.
afvalids Output atclk ATB data flush request for the master port.
atreadys Output atclk ATB transfer ready on slave port.
extctlout[7:0] Output atclk External control output.
flushinack Output atclk Flush input acknowledgement.
prdatadbg[31:0] Output pclkdbg Debug APB read data bus.
preadydbg Output pclkdbg Debug APB ready signal.
traceclk Output traceclkin Half the frequency of the exported trace port clock, traceclkin.
tracectl Output traceclkin Trace port control.
tracedata[31:0] Output traceclkin Trace port data.
triginack Output atclk Trigger input acknowledgement.


ST. LOUIS COUNTY (KPLR) – Icy roads are impacting St. Louis County government offices again this winter.
Offices will open an hour late, at 10 a.m. Monday. Those scheduled for jury duty in the 21st Circuit Court must report at 10 a.m., as well.
Transportation officials are advising drivers to stay off the roads as much as possible. So, residents can visit the St. Louis County website for more information on how to conduct business online.


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Apply using a small powder/blusher brush by swirling the brush over the surface of the blusher. Tap off excess powder and apply onto the apples of the cheeks to emphasize your cheeks and your smile.


Trading Standards officers and police have raided the head office of Fleetwood Town boss Andy Pilley's energy company.
The investigation into allegations of mis-selling of energy contracts to business customers has targeted a number of premises across Lancashire, including the head office of BES Utilties based at Fleetwood Town Football Club's Highbury stadium.
BES Utilities is owned by Fleetwood Town chairman Andy Pilley and his sister Michelle Davidson.
Police said they attended to support National Trading Standards, who co-ordinated the raids, which also targeted the BES Utilities offices in Bispham..
A spokesman for National Trading Standards said: "Warrants have been executed today at various properties in Lancashire as part of an investigation into allegations regarding the mis-selling of energy contracts to business customers. This has seen a number of premises searched, including offices located at Fleetwood Town Football Club. The investigation – led by National Trading Standards and supported by Lancashire Police – does not in any way concern the operations of the football club.
"Today's activity will not affect the continuity of customers' energy supplies and if you have any concerns that your business may have been mis-sold an energy contract, you should contact your local Trading Standards Service via the Citizens Advice consumer helpline on 03454 04 05 06.
Staff were sent home from the offices following the raid.
A spokesman for BES Utilities said: "Officials from Trading Standards and Lancashire Police today visited the officers of BES Utilities in Fleetwood and Commercial Power in Bispham, Blackpool.
In November last year, the utilities company was penalised by watchdog Ofgem over breaches to its licences.
The company agreed to pay out £980,000 as a result of Ofgem's investigations.
It said it would return around £310,000 to directly affected customers and the remaining £670,000 be paid to Business Debtline to support its work with small businesses facing financial difficulty.
The issues found by the regulator included a failure to fully explain important details of customers' contracts and inadequate processes and procedures to handle customer complaints.
Ofgem said BES Utilities' subsidiary companies BES Commercial Electricity Ltd and Business Energy Solutions Ltd had at times in the past failed to fully explain the terms of contracts to some micro businesses, blocked some customers who wished to transfer to another supplier, and failed to handle some customer complaints properly.
The company said at the time that all issues identified by Ofgem had been resolved and BES would write to customers affected by the breaches to outline the measures the company would be taking.
A statement on the Ofgem website in November said: "BES has admitted that it breached the relevant conditions and requirements and has co-operated with the Authority's investigation.
Last year, BES Utilities unveiled a new-look management team as part of a recruitment drive which saw more than 50 new employees taken on.
BES Utilities provides gas and electricity to more than 40,000 businesses across the UK.
In January this year, the firm contacted some 1,550 businesses to offer help after flooding affected large swathes of the UK. Itn offered to freeze or write-off bills for the worst affected, and to replace damaged meter equipment free of charge.


text:
Q: df.loc with NaN is not changing anything What am I doing wrong here? I am trying to change my data frame but nothing is happening?
df.loc[(df['var1'] == np.nan) & (df['var2'] == np.nan) & (df['var3'] >=0), 'var2'] = 0

A: df['var1'] == np.nan Never been True, Because np.nan not equal to anything not himself ! . you can check np.nan value as df.var1.isna() or in single value case value is np.nan. if x is single value np.nan, and you try: x == np.nan the result is False, you should do x is np.nan.
Solution
df.iloc[(df[['var1', 'var2']].isna().all(1)) & (df.var3 >= 0), 'var2'] = 0

A: I am guessing that you want to fill nan values with zero and for that, you can use:
df['DataFrame Column'] = df['DataFrame Column'].fillna(0)

or
df['DataFrame Column'] = df['DataFrame Column'].replace(np.nan, 0)

If this was not what you asked, please comment!!

redpajama_set_name: RedPajamaStackExchange


Think your Instagram photos artistically belong in a gallery? There's no surprise that you can get your photos from the app printed as various types of decor and accessories, but now you can make a buck or two if other people like them as much as you do.
Instacanvas has a simple goal for photographers on Instagram: Make them sellable. The site allows artists to set up a free gallery with photos of their choice uploaded to your own username selection. Canvases start at $40 a piece and go up according to size, and the artist banks a 20 percent profit of each item sold. Instacanvas also takes care of printing and shipping, and the artist does not take care of any fees. The site is merely a liaison between customers and the artist's online gallery.
To keep track of sales, your unique Instacanvas gallery will also display gallery views, number sold, and total earnings. You are only paid after earning more than $100, and the check comes via PayPal.
If you just got excited and already have Instacanvas opened in the next browser tab, just hang on a moment. Getting a gallery to open on Instacanvas is not particularly instantaneous as the site's name would suggest. Signing up for a unique gallery takes a few weeks to process as the site selects only a handful of users a day. If you already have a fan following however, you can also post a link to get fans to request for your gallery. The artists with the most points may be lucky enough to get their galleries to open overnight.
With the growing number of amateur artists reserving their spot for a gallery, you should also remember the site serves as a possible money maker on the side. There's no reason to believe you can actually make a living out of Instacanvas, but it sure would be a validating feeling to see strangers love your Instagrams that much. To get on the waitlist for a gallery spot, sign up on Instacanvas with your Instagram account, enter your e-mail, and wait for that faithful invitation.


Chicken breast schnitzel served with chips and salad or vegetables.
Dubbed the people's pub, Heddon Greta Hotel on Main Road seamlessly blends a historic exterior with classic fare to create a destination worthy diner for locals and those passing through. First established in 1902, this Heddon Greta icon has rustic authenticity with an exposed brick fireplace, dark wood table settings and plush carpeting, creating a warm and welcoming vibe. Grab a cold beer from the bar and make your way into the dining room for a lunchtime battered barramundi burger, with lettuce, tomato, cheese, coleslaw, aioli and a side of chips. Those dining in the evenings may kick off with creamy garlic prawns and steamed rice, before hearty mains such as a mixed grill of Scotch fillet, sausage, bacon, crumbed lamb cutlet, fried eggs, grilled tomato, mushrooms, chips and gravy.


text:
"Becky's New Car" fun but predictable at North Coast Rep
Solana Beach, Ca—"Becky's New Car", the play by Steven Dietz, is probably newer than the car our heroine Becky Foster (Carla Harting makes the tale convincing) gets from her boss as a perk for selling more cars in one night than the other salesperson at her dealership, Steve (Mueen Jahan), has sold in probably one month.
Well, maybe not. The play first went into rehearsals in 2009 but the idea was inspired when theatre enthusiast Charles Staadecker, as a birthday present for his wife Benita's 60th birthday, wanted to commission a play as a birthday surprise. Staadecker, whose wife was a former Seattle ACT board member, approached the board to measure their interest in a new play. Fast forward, Dietz was approached and the rest, they say is history.
"Becky's New Car" now being mounted on the North Coast Repertory stage has been produced only eleven times according to artistic director and director of this production David Ellenstein. It's a quirky piece that weaves in and out of situations that at times get sidetracked and oft derailed because too much is going on for this little piece. It could substitute as a sitcom with at least five or so episodes in this two act play alone.
Our heroine if you will, 40 something year old Becky, and her husband Joe (Nicolas Glaeser is appealing and easy) and their son Chris (Kevin Koppman-Gue) appear to be a pleasant enough family unit. As mentioned earlier Becky sells cars as well as manages the office at the dealership, Joe is a roofing contractor and 26-year-old Chris (still living at home) is a psych major.
Funny thing happens one night when Becky is working late at the dealership; business tycoon and widower Walter Flood (Mark Pinter) appears out of nowhere (I must add a grey Fox worthy of a second look) wanting to buy a bunch of new cars as gifts for his employees. After she completes the sale, she gets a new car as a bonus from her boss and Walter is smitten.
One thing leads to another. Walter thinks Becky is either divorced or widowed just because the conversation veers that way. He then proceeds to woo her and she buys right into it by allowing him his assumptions. I can't say that I blame her.
Walter is verrrry good looking, rich, suave and quite charming. And…she needs a little away time from good ol' Joe, just because it's a chance for something different, new car, etc, etc. No harm intended, just a change of pace from her sameness and hey, it's a free ride for the time being. Who can it hurt if no one finds out?
Earth to Becky watch out for mine fields!!!!!!!!!
The whole first act builds as the two become telephone friends, Steve kvetches on Becky's shoulder about the loss of his wife, Joe is off and busy with his roofing business and Chris psychobabbles throughout. Becky goes back and fourth from home to the dealership as she chats with the audience and the lighting crew (Matt Novotny) telling them/us where she is headed. Breaking that fourth wall, however, interrupts and prolongs the momentum of a play that really doesn't need any more distractions.
The desk of the dealership and that of the Foster living room (Marty Burnett) are steps away from each other and when she's not busy working at the dealership and trying to balance both her worlds, like her making excuses to both her husband and her co worker for her absences, she's getting deeper and deeper involved with the infatuated Walter who thinks he has a chance with her.
Things get more complicated before they get ironed out in act two. Suddenly Chris has a mysterious girlfriend, Kensington (Stacey Hardke is sharp as a tack) who paces him in her car while he runs for exercise and Walter's bitter friend and ex wealthy socialite, Ginger (Glynn Bedington is at her wittiest best here) shows up competing for his attention.
Bedington's character Ginger adds some much needed down to earth cynicism, a little funny edge and comic relief to otherwise predictable situations and she does it like an expert.
Both new characters muddle the picture and maybe add a few question marks, but it's all done according to formula. As complicated as the situations these characters create, they are kind of red herrings in the scheme of things that follow. It's no secret that all will end well. What surprises is Joe's attitude. For that little nugget, Dietz takes the road less traveled.
Considering the convincing acting of the cast, some funny situations here and there and Ellenstein's gentle direction, "Becky's New Car", is another mid life crisis, funny but OK play that would do best on TV.
See you at the theatre.
Dates: September 4th- 26th
Organization: North Coast Repertory Theatre
Production Type: Comedy
Where: 987 Lomas Santa Fe Drive. Ste d, Solana Beach, Ca
Ticket Prices: $30. -$47.00
Web: northcoastrep.org
Review of Becky's New Car at the Pacific Resident Theatre
Becky's new car worth the ride
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It's been three years since Mesh released their last studio album, the highly acclaimed We Collide. Now, working with Dependent Records and Metropolis Records, the band is back with a new single, a new tour, and a new album: A Perfect Solution. With the new album, Mesh conveys the downturn of relationships from break-ups to reconciliation to the death of love. While the subject matter is very emotional, A Perfect Solution is rather uplifting and helps prove that no matter what happens life goes on. Featuring top notch production the album is an incredible listening experience.


One step inside the large circular dining room with its plush carpeting, draping curtains, art nouveau glassware and awe-inspiring modern rope chandelier, portend a memorable meal in the height of elegance. The Two Michelin stars earned for The Tasting Room and chef Guillaume Galliot further hint at something extremely special.
A glass of Champagne Fleury Blanc de Noir, made only with black grapes, delighted the palate from the start with a slightly more robust bang than you get with most champagnes.
We do a bit of fawning over a beautiful bread basket and this deserves some praise with its Brittany salted butter, cereal breads, raisin rolls and mini baguettes.
Famed for the crab salad, I was delighted when this bowl of beauty arrived. The shards of cucumber and hearty chunks of crab providing the bed for a dollop of green apple sorbet, an avocado mousse, cucumber jelly and a generous scoop of French maison nordiques caviar, this was the most glorious collection of flavours, colours and textures. This is a very special salad with the combination blending seamlessly with each mouthful.
The lobster and foie gras with a yellow wine emulsion was hard to fault but somehow was our least favourite of the meal despite being perfectly cooked and compiled.
There are not enough superlatives to describe this heaven-in-a-dish. We know many would argue the crab salad was an impressive feat of a dish but this contemporary onion soup with a hearty dollop of onion ice cream just shouldn't work and yet its the most deliciously mind-blowing thing we have had the pleasure of tasting. A curl of French baguette and shavings of park cheese, this onion compote meshes hot with cold into a medley of soup-filled dreams. We're gushing, we know, but it really tasted that good to us.
The stuffed Dover sole in a champagne emulsion on a bed of baby leeks didn't photograph as beautifully as it appeared in person with its angelic colour tones and subtle flavours that followed the rich soup in perfect succession.
This little forest of delight was in fact a quail samosa hidden by shavings of aromatic black truffle and a yellow wine emulsion with white and green asparagus for bookends. The strong flavour of the meat, and the light crunchy and pungent veg, made for a textural oasis, something Galliot seems to excel at with every dish.
Now this little number was where The Tasting Room had a little fun away from the serious business of top tier cuisine. A chocolate mille feuille with crispy rice, banana, chocolate sorbet, and a hint of pistachio. The banana and crispy rice injected a childhood element we enjoyed enormously as an end to an otherwise elegant dessert.
Amazing meals, rather remarkably, are put before us all the time in our blessed profession, but The Tasting Room really is in a realm of its own for quality, creative, beautiful, delicious dishes delivered with impeccable service.


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text:
Q: Search within json using php <?php
$string= file_get_contents("http://ddragon.leagueoflegends.com/cdn/5.23.1/data/en_US/champion.json");
$array = json_decode($string, true);
foreach($array ["key"] as $key) {
    if($key == '412') {
        echo $key['id'];
    }
}
?>

Basically what i'm trying to do here is search for the key which is basically the numeric version of the id, using the key i'm trying to find the correct string id in the huge json array, but i'm facing some struggles as i'm not sure how to do this.
In http://ddragon.leagueoflegends.com/cdn/5.23.1/data/en_US/champion.json if you search for 412 (twice on the second find on CTRL f) you will see "key":"412"
well i want the id which is a entry up from it which in this case is "Thresh" ("id":"Thresh") (What i want returned is just Thresh). Hopefully i was as clear as possible. Thanks

A: You need to loop ['data'] not ["key"], which is inside ['data'].
$string= file_get_contents("http://ddragon.leagueoflegends.com/cdn/5.23.1/data/en_US/champion.json");
$array = json_decode($string, true);
foreach($array['data'] as $data) {
    if($data['key'] == '412') {
        echo $data['id'];
    }
}

A: You can try this code.
If you face any logical matter, I will explain it to you.
$string = file_get_contents("http://ddragon.leagueoflegends.com/cdn/5.23.1/data/en_US/champion.json");
$jsonArray = json_decode($string, true);

foreach($jsonArray ["data"] as $key) {
    if($key['key'] == '412') {
        echo $key['id'];
    }
}

A: You have an additional level of nesting you need to consider. $array['data'] is itself an associative array with keys like Aatrox. Each of these keys as an associative array inside of it.  It is within that nested array you must look..
foreach($array['data'] as $element_name => $element_data) {
    $key = $element_data['key'];
    if ($key === '412') {
        echo $element_data['id'];
    };
}

If you are going to be working with a data set like this, you might consider keeping a map of key values to id values, as it looks like the data is structured to enable fast lookup by the id.


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My name is Kathryn Crenshaw, and I've been painting as a hobby with occasional paid benefits for quite a while now.
My primary passion is watercolor, and the looser the better. My paintings tend to vary from the whimsical to the bizarre, sometimes intertwining the two.
I've also draw watercolor portraits, usually around the holidays, as well as the occasional book covers.
I know you're not supposed to admit this if you want to be a "serious" artist, but I also enjoy fan art quite I bit. It's fun, and when it's for TV shows it is a bit like creative portraiture.
Fanart, for me, is just an extension of illustration, but something I do for my own enjoyment of a series rather than because I'm being paid to illustrate a specific story.
It's a nice release, epsecially for those every fun art blocks we all hit.
Of course throwing paint at paper is also fun, and sometimes has even more itneresting results!


text:
__Google Web Push / Google Cloud Messaging (GCM) with Encryption__

_A quickly hacked Java example how to use Google Cloud Messaging with Payload (i.e. Encryption). Expect this to live until Google release an official library (as promised...)_

 Based on instructions from Google (Mat Scales, Peter Beverloo). All credits should go there:

 * https://developers.google.com/web/updates/2016/03/web-push-encryption?hl=en
 * https://tests.peter.sh/push-encryption-verifier/

The code requires BouncyCastle (http://www.bouncycastle.org) and uses a few other optional libraries.

This file is provided as a courtesy to hopefully help some people until Google releases an official library. If you have issues or suggestions please don't hesitate to make changes. For general support how to implement GCM please see above links and refer to related support groups. Your best bet is to use Peter's verifier (referenced above) if you get stuck.
You can do with this whatever you want. A quick thanks would be nice if it helps and don't blame me if your system self destructs.

Thanks, hope this helps and take care.

_Miron, 2016-05-31_


I've heard about GPS collars for a very long time. Watch any wildlife show on TV and they're bound to be using some sort of collar or implant that allows scientist to monitor the critter as it makes its way across earth. So these items are not interested in technology.
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I'm sorry but the OK Thunder are just that good but play not so good. I can't figure out why they can't keep a good enough lead where Russell and Kevin should be able to sit out for most of the 4th quarter with double doubles. They are going neck and neck until the final minutes with teams like Minnesota, Philadelphia and Brooklyn Nets. C'mon now!
Knicks could've win that gave over the Thunder if Aaron Aflallo didn't became selfish at the last minute of regulation time and again in the fist OT.


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Lewis Garrad leads Mercer's Career business in Singapore
28 January 2021 Consultancy.asia 1 min. read
Global HR consulting firm Mercer has promoted Lewis Garrad to Head of its Career division in Singapore.
Lewis Garrad has been with the consulting firm his entire career, joining the firm in 2006 in the UK after completing his studies at the University of Nottingham. Garrad spent the first decade with employee engagement consultancy Sirota Consulting, growing the ranks to become the firm's Managing Director for Asia Pacific, joining Mercer when it acquired Sirota Consulting at the end of 2016.
Based in Singapore, Garrad held a number of leadership roles at Mercer over the past years, including serving as Employee Experience Leader, International and Career Solutions Leader for Singapore. In the roles, he led the rapid scaling of the firm's employee engagement offerings and employee survey solutions in the region as well as across other growth markets.
Per the 1st of January 2021, he has been installed as the leader of one of Mercer's main divisions in Singapore. In his new role, he leads and will drive the growth of Mercer's Career business in Singapore, overseeing a team of over 50 reward and talent consultants. This team helps clients plan future workforce models, drive digital transformation and redesign jobs, alongside identifying skills and capabilities for current and future needs.
Other topics Mercer's Career business works in include helping organisations drive healthy and productive cultures through engaging employee experiences and developing competitive pay and incentive policies.
Garrad is passionate about helping leaders and HR executives design people practices that improve organisational performance, and has worked with a broad range of clients across industries, including Shell, Rolls-Royce, Skype, Solvay, Tullow Oil, National Grid, Westfield, Ahold Delhaize and TNT as well as a number of others.
As part of this role, Garrad is a member of the Country Leadership Team (CLT) in Singapore.
Oliver Wyman and Mercer combine for $7.1 billion in consulting revenues
Mercer appoints Martine Ferland as firm's next President and CEO
Utsav Garg leads Alvarez & Marsal in Southeast Asia and Australia Global management consulting firm Alvarez & Marsal has appointed Utsav Garg as its leader for Southeast Asia and Australia.
AlixPartners appoints three directors in Greater China offices Global management consulting firm AlixPartners has promoted three of its company members in Asia to Director: Dick Liu, Julia Zhao and Zach Li.
Bain promotes Hiroaki Adachi and Sho Ikeno to partner Global strategy consulting firm Bain & Company has promoted Japan-based company members Hiroaki Adachi and Sho Ikeno to partner.
Mercer news
Mercer promotes KyuMan (Kenneth) Hwang to partner in Korea Global human resources consulting firm Mercer has promoted KyuMan (Kenneth) Hwang to partner in its South Korea team.
Marsh McLennan names HyungKoo Lee as CEO of Mercer in Korea The Korean wing of global professional services firm Marsh McLennan has appointed HyungKoo Lee as the CEO of its Mercer business.
Most of the world's most expensive cities are in Asia Turkmenistan's capital Ashgabat is now the world's most expensive city to live in – according to Mercer's latest global Cost of Living Index, which puts seven Asian cities among the top 10 most expen
Singapore consulting news
Kearney appoints Nithin Chandra as new Southeast Asia leader Global strategic consultancy Kearney has appointed Nithin Chandra as the new Managing Partner for Southeast Asia. Nithin Chandra has been with the US-origin consulting firm for over fifteen years.
The best companies to work for in Asia: Professional Services The winners of the 'Best Companies to Work for in Asia' awards have been revealed, with a dozen professional services firms recognised among the region's top employers.
Research: Omnichannel among top priorities for ASEAN businesses A new survey conducted by TMX has found that omnichannel and supply chain diversification are among the primary current concerns for Southeast Asian businesses.


Design brief: Self assembly furniture is commonly seem as cheap and poor quality. How can we change this?
Inspiration: When on a trip to Norway I was working in a museum and noticed a traditional method which was used to construct traditional barns from large logs.
Idea: That same construction would work very well in furniture. You can make a beautiful table with a very interesting jointing method which would be the talking point of the design. It is also very strong which means you can make a flat pack table of high quality.
Contrasting hardwood timber wedge and pin details.
Toughened glass top for safety or solid timber top if preferred.
The glass is securely locked into place using decorative pins.
Danish oil is used for a beautiful finish which is also easy to maintain.
Easy assembly using the assembly instructions and online video tutorial.
Improved grip on the wedges is achieved by leaving the faces slightly rough for extra friction when securing them into place.
Dimensions: The standard table is 1000mm x 500mm x 450mm high. Because of the way the jointing works this table design can be tailored to suit the size of your room or its function (coffee table or dining table.) The size can be modified to suit your own unique requirements.
Talking point: This design will be an excellent centre piece of any room.
Easy delivery: Because it can be easily taken apart this design is easy to ship with minimal freight costs.
Care & Maintenance: Furniture care kit available with simple instructions on how to look after the timber.
Price: £750 £700+ free delivery in the UK.
Waiting time of 4 weeks.


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Q: wpf listview selecteditem oneway binding I have a thin client UI. This UI must always reflect the remote server values. This UI has a listview that must have a OneWay binding. Clicking on an item does NOT select it. Double-clicking triggers an event that activates the item on the remote server, which will update a value in the viewmodel indicating that this item is the active item. The listview needs to display this "active" state, so I bind the SelectedItem to this viewmodel property OneWay. Here is the XAML that I use:
<ListView ItemsSource="{Binding Songs}"
      SelectedItem="{Binding CurrentSong, Mode=OneWay, UpdateSourceTrigger=PropertyChanged}"
      SelectionMode="Single"
      IsSynchronizedWithCurrentItem="True"

This listview acts as if there is no binding at all, i.e. clicking an item selects it and the selected item is not updated when the viewmodel is updated.
This listview does have an itemtemplate but commenting it out has not effect on this problem.
The viewmodel binding property is updated correctly and all the rest of the UI is working correctly except for this listview.
The following is the binding trace info sent to the output window when tracing=high:
At startup:
System.Windows.Data Warning: 67 : BindingExpression (hash=42695785): Resolving source
System.Windows.Data Warning: 70 : BindingExpression (hash=42695785): Found data context element: ListView (hash=36240198) (OK)
System.Windows.Data Warning: 78 : BindingExpression (hash=42695785): Activate with root item MainWindowViewModel (hash=64688352)
System.Windows.Data Warning: 108 : BindingExpression (hash=42695785):   At level 0 - for MainWindowViewModel.CurrentSong found accessor RuntimePropertyInfo(CurrentSong)
System.Windows.Data Warning: 104 : BindingExpression (hash=42695785): Replace item at level 0 with MainWindowViewModel (hash=64688352), using accessor RuntimePropertyInfo(CurrentSong)
System.Windows.Data Warning: 101 : BindingExpression (hash=42695785): GetValue at level 0 from MainWindowViewModel (hash=64688352) using RuntimePropertyInfo(CurrentSong): Song (hash=17014849)
System.Windows.Data Warning: 80 : BindingExpression (hash=42695785): TransferValue - got raw value Song (hash=17014849)
System.Windows.Data Warning: 89 : BindingExpression (hash=42695785): TransferValue - using final value Song (hash=17014849)

and then when the property changes:
System.Windows.Data Warning: 95 : BindingExpression (hash=42695785): Got PropertyChanged event from MainWindowViewModel (hash=64688352)
System.Windows.Data Warning: 101 : BindingExpression (hash=42695785): GetValue at level 0 from MainWindowViewModel (hash=64688352) using RuntimePropertyInfo(CurrentSong): Song (hash=40270680)
System.Windows.Data Warning: 80 : BindingExpression (hash=42695785): TransferValue - got raw value Song (hash=40270680)
System.Windows.Data Warning: 89 : BindingExpression (hash=42695785): TransferValue - using final value Song (hash=40270680)

A: So the answer to this question was found in the BindingExpression hash=??? trace output. The Song object needs to override the Equals and GetHashCode methods because the default uses a reference equality and the remote server will server up a new instance of the equivalent object.


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