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The Federal Reserve wants a chief data officer to govern the system's growing quantity of data. (Stock image)
The rapid growth of government information is reshaping not only the tools agencies use to govern their data, but the people, too.
In a newly released strategic plan, the Board of Directors of the Federal Reserve System calls for establishing a new Office of the Chief Data Officer to govern and manage the "growing quantity of data" produced and used by the central bank of the United States.
"As the Board's mandate has expanded in the wake of the financial crisis and the passage of the Dodd-Frank Act, so has the need for data to meet the breadth and depth of analytical issues that staff are now addressing," the strategy reads.
Is there room in the executive suite for a CDO?
What's with all these chiefs?
Read the Federal Reserve's strategic plan
Requests for comment to the Federal Reserve were not returned by press time, but the change in standards is not surprising given the dialogue shaping up since "big data" become an IT buzzword.
In fact, several agencies now employ CDOs to help govern data. The Federal Communications Commission alone has 10 across its offices and bureaus after becoming the first federal agency to install a CDO in 2010.
In October 2012, TechAmerica released a report calling for a CDO in each agency, suggesting big data's successes hinges as much on the human element as on the technology involved.
Data scientists, too, are expected to be in demand over the coming years, yet the CDO – another executive position with management duties in agencies already abundant with "Chief Something-or-Others" – does generate a bit of resistance from industry insiders.
While some feel it is a natural development in the organizational structure, others like Daniel Castro, senior analyst with the Information Technology & Innovation Foundation, feel the position is duplicative.
"[A] good CIO or CTO should already be doing what a CDO would be hired to do," Castro told FCW in October. "Data and technology are intimately linked, and strategies should be developed around both of them together."
Whichever side of the fence one falls on, the growth of information is changing the way private sector companies and public sector agencies manage data. The Federal Reserve's strategy, heavily anchored by broad data governance policies and specific duties charged to a CDO, makes clear that data is not just content collected or generated by its servers anymore – it's vital to its investment decisions.
"The Board and the System now require a data governance and management structure that supports a growing quantity of data and an increased need to share data more broadly while ensuring the operational flexibility required by the Board's data users," the policy reads. "The success of the Board's strategy concerning financial system stability and supervisory strategy depends on proper data management. Implementing a data governance framework will be an important complement to the Board's investment in enhanced research capability. Effective and efficient data management will enhance staff's ability to obtain, interpret, and analyze the large volume of data that new supervisory responsibilities will require."
About the Author
Frank Konkel is a former staff writer for FCW.
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Nominations are now being accepted for the 2017 Federal 100 Awards.
Submit yours today!
The president-elect has selected another retired Marine general for his cabinet -- John F. Kelly to head the Department of Homeland Security.
The Congressional Budget Office estimates that implementation of the Modernizing Government Technology Act will cost $9 billion over five years.
The software whiz behind Pixar's movies Rob Cook surprised even himself by coming out of a "failed retirement" to take a top technology job at the General Services Administration.
FCW profiles 30 women and men who are doing great things in federal IT -- and who are poised to be the leaders of tomorrow.
The intelligence agency is shifting its collection of declassified documents from an offline National Archives workstation to the public-facing CIA.gov website.
Help us identify the outstanding women and men in federal IT.
Why do we keep calling for more "Chiefs." There is only one Chief Information Officer (at least there should only be one) yet we keep creating these new positions bloating staffs, calling for more regulation and underperforming. Next we will see folks calling for a Chief Device Officer. I just do not see how this "Data Officer" position creates solutions.
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Note: Sample below may appear distorted but all corresponding word document files contain proper formattingExcerpt from Research Paper:
Manassas -- How the Skirmish at Blackburn's Ford Shaped the Battle
The Skirmish at Blackburn's Ford shaped the Battle of First Manassas by discouraging the Union Army, altering the Union Army's battle plans and encouraging the Confederate Army.
The Confederacy's chances of successfully seceding from the Union were initially poor, as the Union had the obvious upper hand: the Union Army was considerably larger and better equipped; their commander was George McClellan, whose abilities were undoubted; the Union had the international advantage of being a recognized nation; finally, the Union had the lion's share of factories that could steadily mass produce ordnance for the Union forces. In sharp contrast, the Confederacy: was an agrarian society with far fewer people, fewer factories and considerable resentment at being reduced to "economic vassalage" by the North's industrialization; much of the Confederacy's fortune involved cotton and the reliance of foreign markets on that cotton; the Confederate Army was significantly composed of farmers who were eager to finish the war and get back home by Autumn for the harvest; Confederacy's first days were quite shaky, with anti-secessionist cabinet members, no established office space, little money even for its cabinet's office furniture, and continued reliance on the North for even Confederate currency. Clearly the Union was at least theoretically far likelier to win the Civil War. Understandably confident, the initially planned frontal attacks on Confederate forces.
Fortunately for the Confederacy, the Skirmish at Blackburn's Ford deeply affected First Manassas. The untested Union forces, determined and resourceful Southern forces, and outcome of a Skirmish that consisted of relatively equal damage on both sides combined for the South and against the North. Seen as a humiliating defeat for Union forces, the Skirmish at Blackburn's Ford succeeded in significantly altered both sides' approach to First Manassas. Though casualties were mutually light, Union confidence was considerably shaken. In addition, due to the Union failure at the Skirmish, Union McDowell decided against a frontal assault and opted to cross Bull Run Creek farther upstream, beyond the Confederate left flank, which ultimately allowed the Confederacy to withstand the Union onslaught, regroup and counterattack at First Manassas. Finally, Confederate leadership, Confederate forces and the people they represented all gained a significant amount of confidence from the Skirmish, assisting them in withstanding, counterattacking and ultimately winning at First Manassas. All these factors stemming from the Skirmish at Blackburn's Ford ultimately lead to a debilitating a defeat at First Manassas. Thus the Confederate victory at the Skirmish at Blackburn's Ford and the eventual Confederate at First Manassas led to wildly diverging reactions on each side of the conflict. Aptly representing the Confederate reaction to the Skirmish and First Manassas, Confederate President Jefferson Davis publicly boasted that the Confederate Army "has met the grand army of the enemy, routed it at every point, and it now flies, inglorious in retreat before our victorious columns." Meanwhile, an influential voice for Union abolitionists, New York editor Horace Greeley, performed a nearly 180 degree reversal of his prior strident stance and began to call for a speedy peace with the Confederacy. These representative Confederate and Union responses to the Skirmish and eventual First Manassas show the profound effects enjoyed by the Confederacy and suffered by the Union.
I. The Skirmish at Blackburn's Ford discouraged the Union Army
According to historians, the first great bloody battle of the U.S. Civil was the Battle of First Manassas,[footnoteRef:1] and as this paper illustrates, that first great bloody battle was significantly influenced by the Skirmish at Blackburn's Ford. At the war's inception, the Union had the obvious upper hand. The Union Army was considerably larger and better equipped than was the Confederate Army. Historians speak of the impressive spectacle of the massive Union forces drilling in full dress uniform at their Washington, D.C. encampment.[footnoteRef:2] What is more, their commander was George McClellan, a West Point graduate from Philadelphia whose abilities were undoubted, particularly by himself.[footnoteRef:3] In addition, the Union possessed the international advantage of being a recognized government in its own right.[footnoteRef:4] Finally, the Union had the lion's share of factories that could steadily mass produce ordnance for the Union forces.[footnoteRef:5] The Confederacy, on the other hand, was an agrarian society with far fewer people,[footnoteRef:6] fewer factories and considerable resentment at being reduced to "economic vassalage" by the North's industrialization.[footnoteRef:7] Much of the South's fortune was tied up in cotton and many of its hopes for successful secession were wedded to Britain's and France's reliance on the South's cotton exports.[footnoteRef:8] In the Confederacy's ill-fated estimation, stoppage of cotton exports would create financial "upheaval" for Britain and France, as hundreds of thousands of workers were thrown out of work by the lack of cotton, which would compel Britain and France to intervene on the side of the Confederacy.[footnoteRef:9] Furthermore, the Confederate Army was significantly composed of farmers who were eager to finish the war and get back home by autumn for the harvest.[footnoteRef:10] Perhaps the Confederate Army's greatest strength was its military leadership. Robert E. Lee had been the Union's first choice to lead its Army; however, Lee declined due to his loyalty to his home state of Virginia and merely one day after Virginia's secession from the Union stated, "I cannot raise my hand against my birthplace, my home, my children."[footnoteRef:11] Joining Lee in the struggle for the Confederacy were other military leaders, such as P.G. T Beauregard[footnoteRef:12] and Jeb Stuart,[footnoteRef:13] West Point graduates who nevertheless fought for the Confederate Cause. Given all the factors working for and against the Union and the Confederacy, the Union was at least theoretically far likelier to win the Civil War. [1: Geoffrey C. Ward, Ric Burns, and Ken Burns, The Civil War: An Illustrated History, 1st Edition (New York, NY: Alfred A. Knopf, Inc., 1990), 266.] [2: Ibid., 69-70.] [3: Ibid., 57 and 69-70.] [4: Woodworth, 68-69.] [5: Ibid., 130.] [6: Ibid., 349.] [7: Ibid., 83.] [8: Steven E. Woodworth, This Great Struggle: America's Civil War (Lanham, MD: Rowman & Littlefield Publishers, Inc., 2011), 67.] [9: Ibid.] [10: Ward, et al., 68.] [11: Ibid., 52.] [12: James Longstreet, From Manassas to Appomattox: Memoirs of the Civil War in America (Kindle Edition) (Philadelphia, PA J.B. Lippincott Company, 1896), 16.] [13: Ward, et al., 140.]
Despite all the above-mentioned factors, as of July 16, 1861, the Union Army was a volunteer force that had not fought a major battle of the Civil War.[footnoteRef:14] On that same date, a Union Army force of 35,000 -- 37,000 men left Washington, D.C. And marched into Virginia.[footnoteRef:15] As some historians note, the Union march was a "brilliant spectacle" of well-armed, well-dressed masses of men.[footnoteRef:16] The Union Army force, led by Brigadier General Irvin McDowell, intended to launch a frontal attack on the Confederate Army of the Potomac, a force of approximately 22,000 men, led by Brigadier General P.G.T. Beauregard, at Manassas, an important railway junction.[footnoteRef:17] In an ironic thread that was found among opposing Generals throughout the Civil War, McDowell and Beauregard were classmates of West Point's Class of 1842.[footnoteRef:18] Most of the Confederate forces were massed near Bull Run but also had detachments north of Bull Run Creek who were observing the Union Forces.[footnoteRef:19] [14: William C. Davis, Battle at Bull Run: A History of the First Major Campaign of the Civil War (Baton Rouge, LA: Louisiana State University Press, 1977), 61-2; Ward, et al., 61.] [15: Ethan S. Rafuse, A Single Grand Victory: The First Campaign and Battle of Manassas (New York, NY: Rowman & Littlefield Publishers, 2002), 73.] [16: George F.R. Henderson, Stonewall Jackson and The American Civil War (New York, NY: Grossett & Dunlap, 1943), 102.] [17: David Detzer, Donnybrook: The Battle of Bull Run, 1861 (New York, NY: Harcourt Press, Inc., 2004), 97-98.] [18: Longstreet, 16.] [19: Detzer., 98.]
When McDowell left Washington, the Confederate detachments retreated and joined the main Confederate Forces.[footnoteRef:20] Beauregard expected to be attacked either on the 18th or 19th near Mitchell's Ford and continued to request reinforcements from Joseph E. Johnston's forces in the Shenandoah Valley.[footnoteRef:21] Early in his military career, Johnston became known for being "unimaginative but dependable," earning him his nickname of "Old Reliable,"[footnoteRef:22] a sobriquet that proved true for Blackburn's Ford. In addition to his natural reliability, Johnston realized that he could move his troops by railroad, which would obviously greatly hasten their movements.[footnoteRef:23] Beauregard anticipated that the Union Forces would cross Bull Run Creek only at one or more of 7 fords and/or bridges due to Bull Run's steep banks and other impenetrable approaches; consequently, on July 17, 1861, Beauregard ordered Confederate forces to abandon Centreville and conceal themselves behind the wooded positions near the 7 fords of Bull Run Creek, increasing the Confederacy's possibility of victory.[footnoteRef:24] Even Blackburn's Ford required a fording force to descend the banks, cross the Creek, and then climb the opposite banks.[footnoteRef:25] The Union Army forces reached Fairfax Courthouse on July 17, 1861.[footnoteRef:26] [20: James Reasoner, Manassas (The Civil War Battle Series, Book 1) (Nashville, TN: Cumberland House Publishing, Inc.,…[continue]
"First Manassas How The Skirmish At Blackburn's Ford Shaped The Battle" (2012, July 23) Retrieved December 7, 2016, from http://www.paperdue.com/essay/first-manassas-how-the-skirmish-at-blackburn-110040
"First Manassas How The Skirmish At Blackburn's Ford Shaped The Battle" 23 July 2012. Web.7 December. 2016. <http://www.paperdue.com/essay/first-manassas-how-the-skirmish-at-blackburn-110040>
"First Manassas How The Skirmish At Blackburn's Ford Shaped The Battle", 23 July 2012, Accessed.7 December. 2016, http://www.paperdue.com/essay/first-manassas-how-the-skirmish-at-blackburn-110040

subset: commoncrawl


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Check Out the new Remax App
Ask About This Home
Unique move-in ready home on 4 acres conveniently located in a beautiful setting near Jasper and Hwy 515, this comfortable home provides a very private lifestyle, yet still close to town. Features include brand new roof, large decks, open floor plan, large loft, well appointed eat-in kitchen, large bedrooms, and lots of storage space, including walk in pantry. Dome homes are energy efficient buildings. According to developers, dome homes have the least exterior outside area of any design. Thus they loose less heat in the winter and stay cooler in the summer.


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Michigan 4-H Equine Educational Expo
Date: April 17, 2015 - April 18, 2015
Location: Anthony Hall & Pavilion
Michigan 4-H Equine Educational Expo
Communications Contest Registration begins at 6 p.m., on April 17, in Anthony Hall.
Location of events may vary, please review the itinerary here: http://www.ans.msu.edu/uploads/files/Entry_ltr_and_forms_E3_2015.pdf.
For further information, please visit the 2015 MI 4-H Equine Education Expo Facebook page!


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Girlschool, 'Guilty as Sin' – Album Review
The legendary British group Girlschool have seen a lot of musical trends and an endless number of bands come and go during their nearly 40 year career.
The legendary British group Girlschool have seen a lot of musical trends and an endless number of bands come and go during their nearly 40 year career.
It's a dynamic sophomore effort that shows Devil You Know have the potential to be a viable long-term band.
Whatever outside noise and inner turmoil the band has experienced, they've channeled it into one of the strongest albums of their career.
Saxon are back with their new 'Battering Ram' album. Check out our review of the disc here.
Before picking up Stryper's 'Fallen' album, get a look at our review of the disc.
With 'Condition Human,' the thinking man's metal band is back with a fury reminding fans of their early and most popular albums.
'Silence in the Snow' is bound to polarize simply because it's different than their previous efforts, but it features some of the best songwriting the band has done in quite a while.
Clutch's 'Psychic Warfare' is the sound of a band that's mature enough to put their musical talents to optimum use while still keeping the party going strong.
Alexi Laiho may have outgrown his "Wildchild" nickname, but 'I Worship Chaos' still has the recklessness and edge that Children of Bodom fans desire.
Operation: Mindcrime's 'The Key' will speak to the hardcore Queensryche and Geoff Tate fans, who enjoy the challenge of listening to an album over and over to unlock the mystery and discover the stories within the story.


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Check in from 2:00 PM / Check out prior to 11:00 AM
Greenland Villa: Find photos, reviews, information, amenities and compare prices for 4 stars hotels in London, United Kingdom.
Featuring a Jacuzzi, Greenland Villa is situated in London and offers modern accommodation. The numerous amenities this luxury vacation rental features include luggage storage, room service and an express check-in and check-out feature.
Hotel description
Greenland Villa London features spacious lodgings equipped with a DVD player, a shower and a refrigerator, plus all the essentials to ensure an enjoyable stay. They feature heating, a bathtub and wireless internet access.
A satisfying breakfast is served every morning at Greenland Villa, and there are numerous restaurants and eateries nearby. The in-house bar provides a relaxing setting for an evening drink.
Greenland Villa London is close to Westcombe Park Railway Station, making it easy for guests to explore London and its surrounding areas. London Docklands, the Tower Bridge and Tower of London are just a short drive from the vacation rental.
Hotel features
Room Service, Restaurant, Bar / Lounge, Refrigerator, TV, DVD Player, Shower, En suite
Dry Cleaning, Safe-Deposit Box, Laundry service, Photocopier, Luggage Storage, Express Check-In/Check-Out, Self Laundry
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5-25 Harrington Gardens, London
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As a graduate in the Department of Defence, you will enjoy experiences that, as a civilian, you simply wouldn't find with any other organisation.
This role is suited to a new business hunter who is able to instantly build rapport with senior level executives across a wide variety of market sectors.
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At Criterion Conferences , we do our own independent research to produce quality and relevant conferences and workshops across a variety of industry within Australia.
You are the first of your friends to know about a major economic event, and you teach your parents and peers how to operate their smartphone. You have an appetite not only to see the world but to learn what makes it tick.
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The TurksLegal graduate program is a core initiative that operates in both the Sydney and Melbourne offices. It aims to attract applicants who've excelled academically and are keen to embark on a legal career.
Your program kicks off with an induction and education program where you'll meet your peers in one location, giving you the chance to build your networks across the nation.


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Vitamin C Chewable Tablet - Chinaprice: contact company for price
Function: Immune & Anti- Fatigue Type: Vitamins Place of Origin: China ( Mainland)
Brand Name: EHP Model Number: EHP- 0191 Dosage Form: Tablets
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Every body needs Vitamin C every day. This key nutrient is not stored by or produced within the body so sufficient dietary intake is essential.
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Product Description Griffonia simplicifolia is a plant growing in western African countries such as Ghana, Ivory Coast and Togo. In the traditional therapeutic application of those countries, the leaf and juice of the plant can be used for the treatm...
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Move GB Gym Pass
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MoveGB has teamed up with Kids Pass to offer you 10 gym sessions for £19! At any of our gyms across the UK! Jump into hundreds of gyms across the UK.
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- Victoria Works, Hempshaw Lane, Stockport, Cheshire, SK1 4LG
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text:
Find The Map And Draw A Straight Line
12 comments:
- Michael said...
I don't know, I'm partial to black crackle over silver. :)
- July 5, 2013 at 8:17 AM
- Alexandra Marie said...
These pictures are seriously amazing- love this! And you are right- that nail polish is stunning! Alex
- July 5, 2013 at 8:51 AM
- The Braided Bandit said...
I love this idea and now wish I knew somebody with a projector! You do some pretty awesome collaborations with artistic friends :)
Hope you had a great 4th of july and I have been LOVING your awesome teal hair!
xo Hannah
- July 5, 2013 at 12:20 PM
- Corinne said...
I love these! You look like you're having tons of fun + you are being productive ;)
xx Corinne
- July 5, 2013 at 12:50 PM
- Nicole Young said...
You're right, that nail colour is awesome! Love it! I love playing around with projectors for art projects. Looks like a fun photo series!
- July 5, 2013 at 2:26 PM
- MarieBayArea said...
Loving you being all experimental.
- July 5, 2013 at 4:52 PM
- Rebekah Bradford said...
That's so creative! And the nail polish is pretty awesome :)
- July 5, 2013 at 5:51 PM
- ftashion said...
- July 5, 2013 at 11:03 PM
- Anny Barros said...
This is so beautiful!
- July 6, 2013 at 8:24 AM
- Free Facebook Likes said...
Blog is best from reader/customer/client point of view. Its a clear , fast and good approach to make everything simple. I found some info on Free Likes and Tech Blog but still i need some reference.
- July 8, 2013 at 2:26 AM
- CraftRambler said...
Adorable! What a fun idea.
- July 8, 2013 at 10:13 AM
- Kathleen Carroll said...
hmmm not sure if my comment posted. anywho... i see me! i am from harrisburg, and i think it's interesting to read a blog from someone living near the area - you are making it look more magical than it felt. i love your hair cut lately!
- July 12, 2013 at 7:39 AM


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This slick Anorak has velvet detail on the back, featuring a removable hood with drawstring closure. There are flap patch cargo pockets on the front with a velvet trim. Double zip closure with an elasticate waistband.
Removable lining
Fabrication: 68% acetate; 32% viscose
Made in New York
Dry clean only
This item is final sale. No returns, no exchanges


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Two Bedroom Apartment in Caleta de Fuste, Fuerteventura - Fantastic for Families and Great for Golfers. 10 min walk to Beach and 3 min drive to Golf Courses
Apartment in Central Caleta, boasts a Large Private wrap around Terrace overlooking pool area, this is a perfect terrace for those sun worshipers! 5 min walk to Restaurants, Bars and Shops. 10 min walk to Beach, 3 min drive to 18 hole PGA Golf course, 15 min walk to Atlantico Shopping Center. Water Sport activities at the Marina. Loads of things to do in the area, no need to rent a car, 10 min taxi ride from airport!!
About the Owner
We love Caleta de Fuste, Fuerteventra because of the fantastic facilities in the area. There are some beautiful beaches and the town boasts a great range of bars and restaurants. There really is something for everyone here. The area is easily accessible with Fuerteventura airport less than ten minute drive away.
0 Reviews
From the Owner
"The property is just five minutes walk from the fabulous beach. We provide beach towels so you can travel light and make the most of the great coastline. For those who enjoy a more active holiday, you can enjoy golfing at the golf course which is only 10 minutes. If you are looking for great food in the comfort of the apartment, we can also recommend local caterers who can provide delicious evening meals at reasonable prices. Just ask for information when booking."
Activity and Interests
Caleta de Fuste is a very popular area for families, couples and great for golfers. The large horse shoe shaped beach and marina. At the Marina there are water sports including diving, windsurfing, pedalos, deep sea fishing boat trips, jet ski rental and an Oceanarium. There are Catamaran trips daily which is well worth doing.
Fuerteventura Airport is 10 minute drive to Esmeralda Apartments. You can hire a car at the Airport, there are plenty of taxis at the airport.
The Apartment is in the Village of Caleta de Fuste, it is a short walk to all shops, bars and restaurants. Correlejo is a 45 minute drive and Pueto Rosario is a 20 minute drive. There are buses daily to all the main towns on the island.
Further Details:
There are fantastic restaurants and bars in the town of Caleta. There is a supermarket 5 min walk and a variety of shops to browse in and out of. There is a large shopping center "Atlantico " a 15 minute walk or a 3 min bus ride and here you will find a further selection of great restaurants, bars, boutique style shops and a Euro Spar Supermarket. There is also a cinema complex, bowling alley and amusements.
Prices and Availability
Rental rates
|Rental Period
|Minimum Price
|Additional Nights
|Weekend Night
|Event Price
My Standard Rate
7 night minimum stay
for 7 nights
Additional pricing information
|No additional mandatory fees
Booking Notes:
25% deposit upon booking and balance two weeks prior to travelling.
Changeover Day:
We are very flexible on change over days, just ask.
Owner's Cancellation Policy
- 50% refund for cancellations more than 7 days before check-in date.
- 100% refund for cancellations more than 14 days before check-in date.
Property Type
- apartment
- Internet
- Iron & Board
- Living Room ...
- Washing Machine
- Freezer
- Kitchen ...
- Microwave
- Oven
- Refrigerator
- Hob
- Satellite / Cable
- Television
Pool / Spa
- Communal Pool
- Bathroom 1 - Toilet, Bath (no shower), Shower Enclosure, Bidet
- One bathroom with half bath/shower, wc, bidet.
- 2 Bedrooms, Sleeps 4
- Bedroom 1 - 1 Cot
- Bedroom 2
- Description of sleeping capacity: Sleeps 4 (2 Bedrooms) Notes on bedrooms: There are 2 bedrooms both with built in closets. Main bedroom has a double bed with 2 bedside tables and a chest of drawers, there is a safe in the closet of main bedroom. The second bedroom has 2 single beds with 1 bedside table and small chest drawers.
- Golf ...
- Barbecue
- Ski & Snowboard ...
- Outside: There is a lovely private wrap around terrace that get the sun all day. The terrace overlooks the two pools. There is a table, four chairs, umbrella and two loungers to relax. Utility Room: Off the bathroom it the utility room with washing machine and sink. Cleaning / Towels / Linen / Maid service: Towels and linens are included. There are extra towels and linens provided. There are beach towels provided. If your stay is longer than one week and if you wish to have a "Midweek Clean" we can arrange this. (there would be an additional cost). Other: Wi-Fi optional at extra cost 10.00 per week 15.00 for two weeks.


text:
Tristate Capital (TSC) Tops Q3 EPS by 6c; Agrees to Acquire Certain Assets from Aberdeen Asset Management
- Record-setting rally pushes on as S&P ends week up 3 percent
- Trump's Cohn Pick Most Bullish Sign Yet for Banks - Cowen
- Unusual 11 Mid-Day Movers: (IDXG) (INVN) (EBS) Higher; (SCON) (DTEA) (DLTH) Lower (more...)
- 21st Century Fox (FOXA) offers to acquire Sky for GBP10.75/share
- Coca Cola (KO) Announces James Quincey to Succeed Muhtar Kent as CEO; Kent to Continue as Chairman
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Tristate Capital (NASDAQ: TSC) reported Q3 EPS of $0.30, $0.06 better than the analyst estimate of $0.24.
TriState Capital also announced that it entered into a definitive agreement to acquire certain assets from Aberdeen Asset Management Inc. in a transaction designed to expand the fixed income investment team and product offering of the bank holding company's Chartwell Investment Partners business.
Institutional accounts with about $4 billion in client assets under management (AUM) are expected to move from Aberdeen to Chartwell upon closing of the transaction. The six Philadelphia-based investment professionals who currently manage these domestic fixed-income assets have agreed to join Chartwell's team upon transaction closing.
Following a strategic review of its U.S. Fixed Income business, Aberdeen decided to exit the U.S. Core and Core Plus business. Aberdeen agreed to dispose of this business to Chartwell because of its strong infrastructure and their local presence which facilitates continuity of management. This should ensure a smooth transition for clients.
"We are excited to be able to add these proven investment professionals to Chartwell's team for the benefit of their current clients, as well as the growing list of institutional and retail investors we serve," TriState Capital Chief Executive Officer James F. Getz said. "We intend to put our powerful financial services distribution network to work for our new team members' taxable fixed-income offering, as well as leverage the scalable infrastructure and administrative personnel already in place at Chartwell today."
Before the effect of the transaction announced today, Chartwell's $10.8 billion in AUM on Sept. 30, 2016 reflected successful business development efforts driving strong net inflows since its acquisition by TriState Capital in the first quarter of 2014, coupled with the second quarter 2016 purchase of The Killen Group (TKG), advisor to The Berwyn Funds.
With assets acquired from Aberdeen, Chartwell would have pro forma AUM of about $14.8 billion and pro forma annualized run rate revenue of approximately $48.8 million at Sept. 30, 2016. With the acquired assets, Chartwell investment management fees as a percentage of total holding company revenue would be approximately 37%, on a pro forma basis at Sept. 30, 2016.
"This is an outstanding opportunity to acquire domestic fixed-income assets and bring the seasoned investment professionals running them to our team," said Chartwell Managing Partner and Chief Executive Officer Timothy J. Riddle. "This transaction also illustrates Chartwell's growing reputation in the marketplace and our ability to attract top investment professionals who share our vision for offering a comprehensive array of products, while meeting and exceeding our clients' expectations for performance and service."
"We are delighted to have agreed to this transaction, as it is beneficial to both parties and ensures a good outcome for all clients. Chartwell is getting a domestic fixed-income business managed by an experienced team. For Aberdeen, the sale allows us to apply greater focus on our U.S. Credit, Total Return Bond and High Yield strategies," said Aberdeen's Co-Head of the Americas, Bev Hendry.
Aberdeen and the board of directors of TriState Capital have approved the transaction. Closing is anticipated by the first quarter of 2017, subject to regulatory requirements, certain Aberdeen-client consents, and other customary closing conditions and adjustments.
In conjunction with the transaction, Aberdeen investment professionals joining Chartwell have signed restrictive employment agreements with TriState Capital's investment management subsidiary. Upon closing of the deal, they will be based at Chartwell's offices in the Main Line Philadelphia suburb of Berwyn, Pa.
TriState Capital's legal advisor on the transaction was Keevican Weiss Bauerle & Hirsch LLC, and Stephens Inc. provided a fairness opinion.
TriState Capital will discuss today's transaction announcement on a previously scheduled third quarter financial results conference call, tomorrow. The live conference call on October 20 will be held at 8:30 a.m. ET. Telephone participants may avoid any delays by pre-registering for the call using the link http://dpregister.com/10094279 to receive a special dial-in number and PIN. Telephone participants who are unable to pre-register should dial in at least 10 minutes prior to the call and request the "TriState Capital earnings call." The call may be accessed by dialing 888-339-0757 from the United States, 855-669-9657 from Canada or 412-902-4194 from other international locations.
A replay of the call will be available approximately one hour after the end of the conference through October 27. The replay may be accessed by dialing 877-344-7529 from the United States, 855-669-9658 from Canada or 412-317-0088 from other international locations, and entering the conference number 10094279.
A slide presentation with additional information on the transaction will be available at http://investors.tristatecapitalbank.com.
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text:
LINCOLN PARK - The Federal Aviation Administration (FAA) says a small plane crashed near a northern New Jersey airport today.
Spokesman Jim Peters says police said the aircraft came down near Lincoln Park Airport in Morris County.
According to the FAA, the name of the pilot is Les Gwyn-Williams. FAA officials say Gwyn-Williams suffered severe leg and head injuries from the crash and was taken to Morristown Hospital. Gwyn-Williams was conscious when emergency crews pulled him out of the plane.
FAA registration records show the single-engine Cessna is registered to a private owner in nearby Verona. News 12 New Jersey has learned that Gwyn-Williams owns Terry's Family Pharmacy in Verona, but employees at the pharmacy had no comment.
AP wires contributed to this report.


text:
Manager - Tailoring Celebrity Services - Calvin Klein
If you are a current PVH Associate, please apply to this requisition through your Workday account.
Design Your Future at PVH
Manager – Tailoring Celebrity Services – Calvin Klein
Manager – Tailoring Celebrity Services performs all fittings and alterations on women's and men's garments for presentations and editorial shoots on VIP's and celebrities dressing within the Celebrity Services department of Public Relations.
- Performs all custom fittings for personal appearances, premieres, awards and special events with celebrities and industry VIP's at the direction of Creative Directors and SVP of Public Relations
- Performs alteration services at photo/editorial shoots as scheduled
- All tailoring, refitting and restructuring of garments related to the above for men's and women's garments
- Responsible for maintaining the organization of sewing components and trims used for samples
- Responsible for the scheduling and delivery of all garments meeting calendar objectives
- Responsible for updating SVP of PR of the status of all work in progress and completions
- Servicing, repairing, adjusting, and testing machines, devices, moving parts, and equipment that operate primarily on the basis of mechanical (not electronic) principles.
- Assist men's and women's Creative Directors in making special one-off garments for celebrities, VIP's
- Maintain the quality of all garments in sample closet ensuring all samples are ready to go out at any given time.
- Keeping up-to-date technically and applying new principles to day to day activities
- Provide support for special events
- 7 + years of work experience in tailoring, alterations and working closely with VIP's and celebrities
- Experience of pattern cutting and restructuring garments
- Degree in fashion design preferred
Skills :
- Must be proficient and have the ability to work with luxury and innovative fabrics and leathers including, hand-beading, and embroidery
- Excellent knowledge and control of hand and machine sewing
- Strong computer skills, including Photoshop & Illustrator.
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- Ability and flexibility to travel when requested at a moment's notice
- Italian speaking a plus
It is the policy of PVH Corp. to ensure equal employment opportunities to all qualified persons without regard to race, gender, religion, age, national origin, citizenship status, disability, qualified veteran status, marital status, or sexual orientation.
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#486 - sexymossantamby
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if ur selling about how much white wood for ur lades puupy, dragon ornament, and do u pfffft
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send an offer on puppy pfffft
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and* pfffft


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Thread: vr.org - Nothing but positive.
vr.org - Nothing but positive.
We've been with vr.org for various projects of ours for I'd say a year and a half, maybe longer.
They've always been helpful and available whenever I have an issue, tickets are always responded to within 10 minutes.
I can't think of a single time when it was their fault for something happening, it's usually due to something we've screwed up but they've always been nice and willing to work with us to get it solved.
I can't imagine putting critical infrastructure anywhere else, they've earned my business for life.
Keep it up VR!
12-05-2013, 11:57 PM #2Web Hosting Master
whenever I have an issue, tickets are always responded to within 10 minutes.
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April 25, 1961
Max FRISCHMAN, Plaintiff,
Arthur FLEMING, Secretary of the United States Department of Health, Education and Welfare, Defendant
These are cross-motions for summary judgment pursuant to Rule 56 of the Federal Rules of Civil Procedure, 28 U.S.C.A.
The plaintiff commenced this action under Section 405(g) of Title 42 of the U.S.C.A. to review and reverse the decision of the Appeals Council of the Social Security Administration which had denied him disability benefits.
The facts, as disclosed by the transcript of the record on file, are as follows:
The plaintiff was born on March 21, 1895, had been employed as a machinist and electrician. In January, 1943, his employment as an electrician at the Navy Yard in Brooklyn, New York, was terminated by reason of the completion of the work in which he had been engaged. Thereafter he attempted to obtain work, but without success. For some time previously he had been suffering from a peptic ulcer and diabetes, but neither of these ailments had disabled him. In August, 1943, he consulted a physician, Dr. Wincor, because he was suffering from heartburn and substernal pain, with radiation. Dr. Wincor advised him not to work and to take naps between meals. Periodically thereafter, until October, 1944, he visited Dr. Wincor, who, in a statement dated November 13, 1956, said the plaintiff had been under his care during that period 'for the treatment of precordial pains indicative of angina of (sic) effort.' On August 30, 1944, having suffered chest pains on the preceding day while walking on a golf course, he consulted one Dr. Douglas Palmer, now deceased, who administered a hypodermic injection and nitroglycerin orally and advised immediate and continued bed rest. On September 29, 1944, when he complained of illness and difficulty in breathing, his wife accompanied him on a visit to Dr. Wincor. The doctor directed him to return to bed. Early in the morning of October 2, 1944 he was taken to the emergency room of the Jewish Hospital of Brooklyn (the hospital record shows October 3, 1944 as the date of treatment), where his condition was diagnosed as 'nicotine intoxication.' after treatment he returned to his home. A few hours later his wife accompanied him to Dr. Palmer's office where he was given a sedative hypodermically and then sent to the French Hospital for treatment by a Dr. Harry Johnson, a heart specialist.
The record of the French Hospital, dated March 10, 1958, reveals that the plaintiff was first admitted to that institution on October 3, 1944. He remained there until November 6, 1944, when he was discharged. The abstract of the plaintiff's record at the French Hospital, dated November 30, 1950, states as follows: 'Electrocardiograms taken on 10/5/44, 10/16/44 and 11/3/44 all showed changes consistent with myocardial disease.
'Patient's condition improved, discharged 11/6/44. Diagnosis on discharge was coronary thrombosis.'
On December 18, 1944 he was readmitted to the French Hospital, complaining, as the record discloses, of 'chest pain, Anterior and Posterior, intermittent, 3 days duration.' He was hospitalized for five days. The abstract of the hospital record respecting that period of confinement states, 'impression made on admission was Angina Pectoris.'
He was admitted to the French Hospital for the third time on February 26, 1949, and remained there until March 3, 1949. The hospital record for that period reports 'Impression; -- Anginal syndrome. Arteriosclerotic heart disease. Acute coronary insufficiency.'
His fourth admission to the French Hospital occurred on March 23, 1950 and he remained there until June 1, 1950. The hospital report covering that period, dated November 22, 1950, states, 'Patient's condition improved with bed rest and medication. Discharged June 1st. Admission diagnosis Coronary occlusion. Anginal syndrome.'
The plaintiff was also hospitalized at the Doctor's Hospital in New York from February 9, 1950 to February 24, 1950; September 5, 1950 to September 9, 1950; February 3, 1951 to February 20, 1951; January 29, 1952 to February 8, 1952; August 21, 1953 to September 4, 1953; August 10, 1954 to August 20, 1954 and August 17 to August 24, 1956. In each of the hospital reports covering those visits the diagnosis was either coronary heart disease, coronary arteriosclerosis, arteriosclerotic heart disease, coronary occlusion or anginal syndrome.
The plaintiff was under the care and treatment of Dr. Johnson for his heart condition from October 2, 1944 to February 2, 1951. He visited the doctor twice or more each month during that period. On February 8, 1945 Dr. Johnson wrote to the plaintiff's wife as follows, 'I can say that it will be impossible for Mr. Frischman to return to work within less than three months and probably not then. He has responded so poorly to his routine of rest that I cannot be very optimistic about a rapid cure.' On February 11, 1945, April 26, 1945, May 23, 1945 and December 10, 1946 he signed reports as the plaintiff's attending physician, as well as a certificate and statements to the New York Life Insurance Company on the plaintiff's claim for disability benefits, in which he stated that plaintiff was suffering from coronary thrombosis, that he would be unable to engage in any gainful occupation for an indefinite period, that he was suffering severe precordial pain on slight exertion, and that his prognosis was poor.
The plaintiff was examined on December 16, 1944, February 5, 1946, April 30, 1947, and August 30, 1948 by a Dr. Henry M. Ellen, who, on October 10, 1945, sent a report to the plaintiff's wife wherein he stated that the plaintiff 'should under no circumstances be permitted to go to work. Exertion of any type would affect his cardiac condition.'
Dr. Ellen submitted to the New York Life Insurance Company on February 5, 1946, April 30, 1947 and August 30, 1948 statements as plaintiff's attending physician, in which he stated that the plaintiff was suffering from coronary thrombosis, that his prognosis was poor, that he was unable to engage in any work, occupation or business, and that he could fix no definite date as to when plaintiff would be able to engage in such work.
Beginning in May, 1948 the plaintiff was treated by Dr. Michael Iserman. He visited or was visited by this doctor 39 times from May to December, 1948, 49 times in 1949, 44 times in 1950, 30 times in 1951, 17 times in 1952 and 8 times in 1953. Dr. Iserman submitted certificates to the New York Life Insurance Company on November 7, 1949, January 13, 1950, and November 20, 1952 in which he stated that the cause of plaintiff's disability was anginal syndrome, coronary heart disease and coronary occlusion, 1944; that he was unable to engage in any full or part-time gainful employment, and that it was indefinite as to when he might be able to resume any kind of work.
On July 18, 1956 the plaintiff filed a questionnaire respecting the establishment of a period of disability with the Department of Health, Education and Welfare, and on August 6, 1956 he filed an application to establish a period of disability under Section 423 of Title 42 U.S.C.A., which went into effect on August 1, 1956. On October 25, 1956 he filed a statement with the Department of Health, Education and Welfare wherein he stated that he became ill on October 2, 1944 and 'Began receiving Disability Insurance payments for that month from an Insurance company with whom I was insured against Disability.'
His application was denied on the ground that he had not met the earnings requirements of at least twenty quarters of coverage in the forty consecutive quarters ending with the quarter in which the disability began (stated as October 2, 1944), with at least six of those quarters of coverage in the last thirteen quarters ending with the quarter in which the disability began, as provided for in Section 416(i)(3) of Title 42 U.S.C.A.
The plaintiff requested a hearing before a Referee of the Department which was held on September 11 and September 19, 1957. The Referee, in his decision dated September 30, 1957, found that the plaintiff had last met the earnings requirements set forth in Section 416(i)(3), supra, in the quarter ending December 31, 1944, but had 'failed to establish that his disability was of such severity as to preclude him from engaging in any substantial gainful activity prior to the expiration of the period in which he met the earnings requirements (i.e. December 31, 1944), and continuing until the date of the filing of the claimant's application for the establishment of a period of disability (i.e. August 6, 1956) within the meaning of Section (i) of Social Security Act, 42 U.S.C.A. 416(i).'
The Council granted plaintiff's request for a review of the Referee's decision and on November 17, 1958 denied his request for disability benefits. The Council found that the plaintiff had last met the earnings requirements set forth in Section 416(i)(3), supra, in the third quarter of 1944, ending on September 30, 1944, but that he had 'failed to establish that he became unable to engage in any substantial activity at some time prior to October 1, 1944 and that such disability continued without interruption thereafter until at least August 6, 1956.' The plaintiff then commenced this action.
It is well settled that the plaintiff had the burden of establishing his right to relief in the administrative proceedings before the Social Security Administration. See Normant v. Hobby, D.C., 124 F.Supp. 489 and Thurston v. Hobby, D.C., 133 F.Supp. 205. I am mindful also of the fact that under Section 405(g) of Title 42 'The findings of the Secretary as to any fact, if supported by substantial evidence, shall be conclusive.'
The question to be decided, then, is whether the decisions of the Referee and the Appeals Council, finding that the plaintiff was not continuously disabled from September 30, 1944 to August 8, 1956, are supported by substantial evidence.
Disability is defined in Section 416(i)(1) of Title 42 as follows: '(A) inability to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to result in death or to be of long-continued and indefinite duration.'
The Appeals Council stated (see page 10 of the transcript of the record) 'That the claimant was incapacitated on September 29, 1944 (while he still met the earnings requirements of Section 216(i)(3) of the Act) and that he remained so continuously thereafter for several months is evident, we think, from the fact that his sudden illness on that date was followed by five weeks' hospitalization, after which, it may be assumed, he needed an extended period of convalescence during which he could not have been expected to work.' And, further, that 'If it were clearly established that the claimant not only became unable to work on or before September 29, 1944, as we believe to be the fact but that continuously from that time to August 6, 1956, when he filed his application, he remained unable to work, it would be possible to hold him entitled to the establishment of a period of disability.' (Emphasis supplied.)
The Referee, in his decision, reached the conclusion that the plaintiff's inability to engage in gainful work between the date of the onset of his illness, when he still had met the earnings requirements, and the date that he filed his application for the establishment of a period of disability on August 6, 1956 was not continuous. Apparently his reason for this conclusion was the fact that the plaintiff was not hospitalized for the treatment of his illness between December 18, 1944 and February 26, 1949, for he stated at page 43 of the transcript 'The acuteness of the claimant's coronary condition therefore apparently subsided during the entire period from 1944 to 1949 so that during this period it must be assumed that the claimant would have been able to engage in a sedentary type of work.' (Emphasis mine.)
The Referee made that finding despite the fact that there was in evidence before him Dr. Johnson's letter to the plaintiff's wife, dated February 8, 1945, wherein he stated that it would be impossible for the plaintiff 'to return to work within less than three months and probably not then. He has responded so poorly to his routine of rest that I cannot be very optimistic about a rapid cure.' (Emphasis added.) In addition, there were in evidence before him the reports filed by Dr. Johnson with the New York Life Insurance Company, dated February 11, 1945, in which he stated that the plaintiff was wholly disabled, and that 'he is still having considerable pain on very slight exertion' April 26, 1945, in which he reiterated his previous findings and added 'prognosis poor,' May 23, 1945, wherein he iterated his previous findings, and stated that plaintiff's condition was 'improved, but not very much', and December 10, 1946, in which he stated 'His cardiac reserve is so low that very little activity cause (sic) anginal pain and dyspnea. Prognosis for returning to active work is poor.' The Referee also had before him the report of Dr. Ellen, dated April 30, 1947, in which he said 'Pt. gets attacks of Angina Pectoris on Walking and exertion,' and that his prognosis was 'poor', and wherein he answered 'no' to the question 'Is he now able to engage in any work, occupation or business?'; and his report of August 30, 1948, in which he said that the plaintiff had 'Precordial pain, dyspnea, unable to walk much', prognosis 'Guarded', and that he was still unable to engage in any work, occupation or business. The plaintiff was admitted to the French Hospital on February 26, 1949, suffering with 'usual' pain in the chest following his carrying of a parcel of 40 or 50 pounds two days previously. All of the evidence submitted to the Referee points to the fact that the plaintiff's heart condition, between December 18, 1944 and February 26, 1949 had not subsided, and there was no basis in the record for his assumption that the plaintiff was able to engage in sedentary work.
The Appeals Council rejected the opinions of those doctors in the following language at page 12 of the transcript: 'We cannot accept such circumstantial evidence, which is non-medical in character, as indicating anything more than that the claimant repeatedly sought and received medical advice or treatment because of pain which those doctors diagnosed as attributable to cardiac impairment. These physicians also, in certificates furnished a life insurance company, have expressed the opinion that such impairment made the claimant incapable of engaging in gainful activity. Pain, of course, is a subjective experience. Even where its existence is attested by the statement of a competent medical examiner whose many years of experience enable him to recognize malingering, such a statement is not objective medical evidence. Even if it were, it would afford no basis for measuring the degree of impairment resulting from pain in any given instance. The opinion of a physician regarding the ability of an individual to engage in gainful activity, likewise is not medical evidence. The courts have held that little importance can be attached to any conclusion of a doctor upon the ultimate question to be decided by us -- i.e., whether the impairment shown to exist is such as to prevent the individual, in view of his residual physical capacities, his education and his work experience from engaging in any substantial gainful activity. (See United States v. Spaulding, 293 U.S. 498, 55 S. Ct. 273 (79 L. Ed. 617) (1934).'
That case, in my opinion, is inapposite. There the court, in rejecting the medical evidence, said 293 U.S. at page 506, 55 S. Ct. at page 276:
'The medical opinions that respondent became totally and permanenty disabled before his policy lapsed are without weight. Clearly the experts failed to give proper weight to his fitness for naval air service or to do the work he performed, and misinterpreted 'total permanent disability' as used in the policy and statute authorizing the insurance. Moreover, that question is not to be resolved by opinion evidence. It was the ultimate issue to be decided by the jury upon all the evidence in obedience to the judge's instructions as to the meaning of the crucial phrase and other questions of law.'
At page 507 of 293 U.S., at page 277 of 55 S. Ct., the court continued,
'There is nothing in the record that at all impairs the significance of the finding that in 1924 respondent was fit for service as an air pilot or of the work he performed after the lapse of the policy. These facts conclusively establish that he did not become totally and permanently disabled before his policy lapsed. Lumbra v. United States (290 U.S. 551, 54 S. Ct. 272, 78 L. Ed. 492) supra. Falbo v. United States, 291 U.S. 646 (54 S. Ct. 456, 78 L. Ed. 1042).'
In the case at bar all of the evidence points to the plaintiff's disability from the time of the onset of his heart condition until his application for disability benefits. There is nothing in the record to show that he was able to engage in gainful activity during that period, and nothing to warrant the Referee's assumption that he was able to do sedentary work between 1944 and 1949 because he had not been hospitalized during that period. That was clearly controverted by the medical reports hereinbefore referred to and by the plaintiff's testimony at page 82 of the transcript, when he testified as follows under questioning by the Referee:
'Q. Let me ask you this. What was your condition between 1944 and 1949? A. I had been advised not to work by the doctor -- I couldn't move.
'Q. Did you have any attacks? A. Yes, sir.
'Q. Did you go to the doctor in 1949? A. Yes, sir.
'Q. Did you go to the doctor between 1944 and 1949? A. Yes, sir, quite a number of times.'
In my opinion the language of Circuit Judge Knoch in the case of Teeter v. Flemming, 6 Cir., 270 F.2d 871, is applicable here. Judge Knoch said, at page 874, 'The Social Security Statute does not require applicant to be completely helpless, but to be unable to engage in substantial and gainful activity (commensurate with his age, educational attainments, training experience, mental and physical capacities) by reason of a medically determinable physical or mental impairment. Aaron v. Fleming, D.C.Ala.1958, 168 F.Supp. 291, 295.
'The activity in which applicant must be able to engage must not only be gainful but substantial. Dunn v. Folsom, D.C.Ark.1958, 166 F.Supp. 44, 49.
'The expert opinion of Dr. Morris as to disability and inability to engage in any substantial, gainful employment, was admissible evidence for consideration by the referee and not, in itself, binding on him. But as it was not controverted by substantial evidence to the contrary, the referee's adverse decision on the ultimate fact was properly set aside. Hill v. Fleming, D.C.Pa.1958, 169 F.Supp. 240, 245.'
In the case at bar the expert opinions of the various physicians whose reports were included in the transcript of the record before the Referee and the Appeals Council were admissible in evidence. Of course, as was stated by Judge Knoch in the Teeter case, supra, they were not binding on them. However, as in the Teeter case, they were not controverted by any substantial evidence to the contrary.
It is my opinion that the decisions of the Referee and the Appeals Council denying disability benefits to the plaintiff were not supported by substantial evidence and should be set aside. Accordingly, plaintiff's motion for summary judgment is granted, and that of the defendant is denied.
Settle order on notice.
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War (bonds) what are they good for?
George Osborne's plan to issue gilts with 100-year maturities may be asking investors to take a long view, but they will not be the longest-dated securities that the British government has offered.
A number of Osborne's predecessors have issued bonds without any maturity at all, so-called 'perpetual gilts', which will continue paying out their coupon until the end of days.
The last occasion the device was used was in 1946, when Labour Chancellor of the Exchequer Hugh Dalton issued undated gilts at 2.5%, in an attempt to force down long-term interest rates. According to Robert Elgie and Helen Thompson in their history of the Bank of England, the move, undertaken during a period of inflationary pressure, failed to convince the market and uptake was low.
Perhaps a better comparison for Osborne's bonds is the issuance of perpetual bonds by the Lloyd George government in 1917.
Like Osborne, Lloyd George's primary need was for quick cash, albeit in his case to fight the Great War rather than an economic crisis.
According to Stephen Broadberry of the University of Warwick, revenue had funded only 40% of expenditure in the first year of the war, sending the budget deficit spiralling to 47% of GDP by 1917.
All of which makes the budget deficit Osborne is seeking to bridge, at around 10% of GDP, not look so bad after all.
According to the Debt Management Office, there are just under £2bn worth of Lloyd George's war gilts, which are still paying off 3.5% interest twice a year.
In a recent paper on the subject, M&G pointed out that the government's original slogan for that bond drive - "unlike the soldier, the investor runs no risk" – was not strictly true. The gilts were originally issued with a 5% coupon, but the British government secured a 'voluntary' reduction in 1932.
That highlights one potential risk that the sovereign bondholder would have to bear in mind: future governments may look for ways out of their commitments.
However, with the really, really long-dated stuff, we might also ask what kind of judgement an investor can make about the future economy they are buying into.
Investors in Lloyd George's war bonds were investing in a country that still looked a lot like the world's leading economic power.
The country was the leading exporter of the world's most important energy commodity, coal, which was dispatched in ships manufactured on Tyneside and Clydeside.
Manufacturing also remained a cornerstone of the British economy, with its cotton goods still finding a ready market both within the British Empire and beyond.
One of the places where all this loading and unloading was done was a place called Canary Wharf.
What a difference a century makes....


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I grew up in the same general area I live at now. Spent a much too large portion of my life playing online games during my younger years, which lead to a lot of solid friendships that have lasted to this day with people from all over the country. Eventually moved to Florida to room with one such friend for 6 years until I got disillusioned with my chosen profession. Took all my saved up monies and decided to go traveling around visiting people for almost 1.5 years staying in various places for differing lengths of time. Eventually ran out of cash and people who's couches I could crash on and moved back to Pittsburgh.
Just purchased my very own home, I feel like a grown up. Not real sure how I feel about it though =p
I tend to be into mostly fantasy novels though after reading Game of thrones back in high school everything else pretty much pales in comparison in terms of enjoyability. Recently I have been audio booking the Gardens of the Moon series.
I have a fairly large variety in the music I listen to, though my genres of choice are usually classic rock and alternative. Really anything but country.
Super picky about foods mostly meat, pototoes and pasta =p
I'm generally pretty open and honest I am sure there are other things I am just am not thinking of right now =p
I really am not entirely sure what I want out of another person so pretty open to chatting with most anyone that wishes to see if we have a connection.


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UPSSSC.gov.in - UPSSSC Assistant Accountant Recruitment 2016. Uttar Pradesh Subordinate Service Selection Commission (UPSSSC) has announced recruitment of 2172 assistant accountants for accounting service in UP government. Candidates who are interested and eligible for the assistant account jobs, who have done commerce graduate or diploma in accountant can apply for the UPSSSC Assistant Accountant Recruitment 2016.
UPSSSC Assistant Accountant Recruitment 2016 - UPSSSC.gov.in
Online applications are accepted till 4th June, 2016. Candidates who are interested can fill the online application form and apply online for the UPSSSC Assistant Accountant Recruitment 2016. Below is more details bout 2172 assistant accountant, eligibility criteria, per month salary and much more information is posted below;
- Organization name: - Uttar Pradesh Subordinate Service Selection Commission (UPSSSC)
- Job Location: - Uttar Pradesh
- Notification no :- Advt no 05/2015
Name of the post :-
- Assistant Accountant :- 1913 posts
- Personnel Assistant :- 259 posts
Eligibility criteria of Assistant Accountant at UPSSSC
Education qualification: - The minimum education qualification required for assistant accountant post at UPSSSC is Graduation in commerce (graduation degree) or diploma in accountancy candidates can apply online.
Age limit: - candidates who have age between 21 years to 40 years as on 1st July,2016 can apply online for the assistant accountant jobs.
Age relaxation: - As per the government rules, candidates of reserved category will get benefit of upper age relaxation.
Application fees: - General and obc category candidates need to pay Rs.105 as an application fees. While candidates of SC/ST Rs.65/- and PWD Rs.25/- (of uttar Pradesh residence) as an application fees.
Candidates can pay an application fees via online payment mode at UPSSSC sites.
Selection Process of Assistant Accountant :- Selection of the assistant accountant will be done on the basis of Written Examination.
Online application form :- candidates who are interested in assistant accountant post need to fill online application form from UPSSSC official website on or before 4th July, 2016.
How to apply online for UPSSSC Assistant Accountant Recruitment 2016?
Candidates who are interested and eligible can follow below mentioned steps and apply online for UPSSSC accountant posts;
- Go to the official website of UPSSSC's career section or follow this direct link
- Click on "part I" registration
- Fill the online application form with all mentioned details, after reading all instructions
- Pay your application fees online
- Click on submit, click on part 2 registration
- Upload your signature, and photograph pic online
- Finish and take receipt print out.
- Last Date to apply online :- 4th July, 2016
- Last date for payment of fees: - 4th July, 2016.
- Exam Date :- Not announced


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3 Bedrooms Terraced House for sale
Water Street, Penygroes, Caernarfon, Gwynedd, LL54
Beresford adams are proud to announce for sale this mid terrace four storey property which lends itself perfectly for either commercial or residential use. (contd...)
2 Bedrooms Terraced House for sale
A mid terraced house situated in the centre of the village of penygroes. the property briefly comprises lounge, kitchen, shower room, first floor bedroom with staircase to attic room,…
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Turkish Airlines announced it has ordered 20 B737-800s and 15 B737-900ERs, all featuring Boeing's Sky Interior product offering, according to a finchannel.com report. Two of each aircraft are slated for delivery in Nov-2011 and Dec-2011. All aircraft are scheduled to be delivered by the end of 2015.
Turkish Airlines orders 20 B737-800s and 15 B737-900ERs
You may also be interested in the following articles...
United Airlines Part 2: Sustaining balance sheet strength while declaring ambitious margin targets
One area where United Airlines has made important strides during the last few years is in overhauling its balance sheet. Its efforts have gained some recognition from credit agencies for its progress in paring down debt and improving leverage ratios; but similarly to its rival American Airlines – attaining an investment-grade credit rating is not a huge priority for United. The airline believes it can achieve some benefits that investment-grade companies enjoy with the current state of its balance sheet.
In order to sustain the progress it has made in balance sheet repair United plans to amend its aircraft order book to slash capex commitments during the next couple of years, including the deferral of 61 Boeing narrowbodies. United is hinting that other fleet changes could be under consideration, including deals similar to the agreement it forged during 2015 to lease used Airbus A319s.
This is Part 2 in a two-part series reviewing United's financial and revenue-generating opportunities.
Onur Air: Turkey's number two LCC goes into reverse after German expansion stalls
Turkey's fifth largest airline by seat capacity, LCC Onur Air, has thrown its operation into reverse. After growing scheduled seat numbers at an average rate of 11% pa for four years, including growth at around 20% for most of 2016, it will cut capacity by 20% this winter.
A series of geopolitical events has weighed heavily on demand for air travel in Turkey, particularly in international travel. Weak trading conditions have also prompted the market leaders – national airline Turkish Airlines and LCC Pegasus – to halt their own rapid growth. Onur Air is bigger in the domestic market than it is in the international market, but much of its 2016 expansion was driven by international growth, particularly to Germany.
Onur's network faces strong competition on almost every route, particularly on international routes, and this has clearly posed a severe challenge in the face of falling demand.


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6820 Simmons Way, Moorpark, CA 93021
- For Sale
- Active
- Condo / Townhouse
- 3 Beds
- 2 Full Baths
- 1 Partial Bath
- 1,816 Sq. Ft.
- 2 Car Garage
6820 Simmons Way, Moorpark, CA 93021 View this property at 6820 Simmons Way, Moorpark, CA 93021
6820 Simmons Way Moorpark CA 93021
Map & Location
Property Description
Welcome to this lovely Waverly Place 3 bedroom, 2.5 bath townhome featuring beautiful upgrades including engineered wood flooring throughout the bottom floor, a gorgeous granite island kitchen with tumbled travertine backsplash, stainless appliances including a refrigerator, a downstairs office or possible 4th bedroom with a double door entry, an open floor plan with chandeliers in the living room and dining room and more! The living room features a fireplace and surround sound, the dining room displays a slider to the backyard hosting a grassy yard, a patio area and block wall fencing for privacy. There is a downstairs powder room, closets for storage and a direct access oversized 2-car garage! The upper floor features plush carpeting, 2
Full Property Details for 6820 Simmons Way
- Price: $539,900
- HOA FEE: $220/month
- Status: Active
- Type: Condo /Townhouse
- Updated: 11/10/2016
- Added: 48 day(s) ago
Property History
- 6820 Simmons Way, Moorpark, CA
- Listed at $539,900 on 10/19/16
- Rooms/Areas: Dining Room, Master Bedroom, Living Room, Walk-In Closet
- Interior Features: Built-Ins, High Ceilings (9 Feet or More), Open Floor Plan, Recessed Lighting, Storage Space, Turnkey
- Fireplace: Yes
- Number of Fireplaces: 1
- Fireplace(s): Living Room, Other, Gas Starter
- Eating Areas: Dining Area, Formal Dining Room, Kitchen Island
- Appliances: Dishwasher, Dryer, Washer, Garbage Disposal, Refrigerator, Gas Cooktop, Microwave, Range
- Flooring: Carpet, Sheet Vinyl, Wood
- Total Bathrooms: 3
- Full Bathrooms: 2
- Partial Bathrooms: 1
- Bathroom Features: Powder Room, Shower and Tub, Shower over Tub, Shower Stall, Travertine
- Total Bedrooms: 3
- Bedroom 1: Master Bedroom, Walk-In Closet
Other Rooms
- Kitchen: Gourmet Kitchen, Granite Counters, Island, Pantry
- Laundry: Individual Room, Inside, Laundry on Upper Level
Additional Information
- Shared Amenities: Greenbelt/Park, Playground,
- Pool: Yes
- Pool Description: Association Pool, Community Pool, In-Ground, Safety Fence
- Spa Description: In Ground, Association Spa
- Playing Courts: None
- Security/Safety: Carbon Monoxide Detector(s), Smoke Detector
- Deck/Patio: Open Patio, Slab
- Garage: Yes
- Garage Spaces: 2
- Parking Type: Garage (Two Doors), Oversized, Side-by-Side Parking
- Parking: Concrete Driveway, Shared Driveway
- County: Ventura
- Subdivision: Waverly Place - 504
- Cross Streets: Elk Run Loop
- Driving Directions: North on Spring Rd., right on Elk Run Loop, right into Waverly Place
- Direction Faces: Faces West
School Information
- School District: Moorpark Unified School District
- Community Features: Community Mailbox
Heating & Cooling
- Cooling Type: Air Conditioning, Ceiling Fan(s), Central Air Conditioning
- Water Heater: Water Heater Unit
- Sewer: In, Connected & Paid
- Water: District/Public
Structural Information
- Architectural Style: Mediterranean
- Structure Type: Condominium
- Construction: Stucco, Wood
- Foundation: Concrete Slab
- Roof: Tile
- Common Walls: Attached
- Windows: Double-Pane Windows, Window Blinds,
- Doors: Sliding Glass Door(s)
- Windows/Doors: Double-Pane Windows, Window Blinds+Sliding Glass Door(s)
- Entry Location: Ground Level (with Steps)
- Stories/Levels: Two Level
- Stories Description: Two Level
- Square Feet: 1,816
- Sq. Ft. Source: Public Records
- Year Built: 2008
- Year Built Source: Assessor
- Property Condition: Updated or Remodeled
- Other Struct. Feat.: High Ceilings (9 Feet or More)
Lot Features
- Lot Size (Acres): 0.02
- Lot Size Source: Public Records
- Irrigation System: Sprinkler System
- Zoning: R1
- Lot Description: Asphalt Street, Private Street, Underground Utilities
- Fencing (Description): Block Wall
Financial Considerations
- Price Per Sq. Ft.: $297.3
- Association Fee: $220
- Assoc Fee Freq.: Monthly
- Terms: Cash, Conventional
Disclosures and Reports
- Special Conditions: Standard Sale
- Assoc. Rules: Call for Rules
- Inclusions: Refrigerator, washer, dryer
- Legal Disclosures: CC and R
Listed by Century 21 Troop Real Estate, Alex Gandel - CA DRE: 00779926
Estimate the Cost
In the Community
Nearby Schools
14819 Blue Ridge Court, Moorpark, CA 93021
Listed by Erin and Bob (805) 230-3308
2239 Rolling River Lane #1, Simi Valley, CA 93063
$524,900 -$10,100 (-1.89%)


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Johny Hendricks talks about knocking out Martin Kampmann at UFC 154, why he deserves a title shot, whether he's worried about a potential fight between GSP and Anderson Silva, and how he became such watch video >>
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John Makdessi talks with John Pollock after his victory over Sam Stout at UFC 154. Makdessi talks about erasing past mistakes and his strategy during his bout with Stout. watch video >>
Cyrille Diabate talks about avoiding the early rush from Chad Griggs at UFC 154, being unable to show off his improved cardio, and his relationship with Dan Henderson and Team Quest, with MMA Fightin watch video >>
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Ivan Menjivar talks about his submission win over Azamat Gashimov at UFC 154, preparing for a relatively unknown opponent, and not having to travel on fight week, with MMA Fighting's Ariel Helwani. watch video >>
George St-Pierre talks about his upcoming title unification fight against Carlos Condit at UFC 154. watch video >>


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A distinctive open-frame base on this table lamp features a beautiful distressed taupe finish.
Place this metal table lamp in a living or dining room as a romantic accent. The open-frame base in a distressed taupe-decorated finish gives it a pleasing, vintage look. The natural rough burlap shade complements the finish on the base. A great transitional style table lamp from the Kathy Ireland Home collection.
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BEDFORD HEIGHTS, Ohio -- Riser Foods here said it achieved net earnings of $2.4 million in the second quarter ended Jan. 15, which marked a turnaround from a loss of $1 million in last year's second quarter.
ores in northeast Ohio.
The company also reported increased sales in the 12-week second quarter, which it said was a reflection of "a better-than-expected holiday selling season."
Sales in the quarter rose 2.7% to $270.8 million from $263.6 million in last year's second quarter. Sales increased less than 1% in the 28-week first half, to $598.7 million from $594.4 million.
Riser's same-store sales fell 0.8% in the quarter and 1.3% for the 28-week period, according to Riser.
Earnings for the 28-week period include a credit of $6.9 million, or 85 cents per share, related to the cumulative effect of accounting changes for income taxes. Excluding the accounting change, net would have totaled $4.48 million, or 54 cents per share.
Net earnings in the 28-week period last year totaled $1.03 million, or 12 cents per share.
Anthony C. Rego, chairman and chief executive officer, attributed the earnings increase to a successful holiday selling season coupled with continuing cost-control programs. Rego said that northeast Ohio's cold snap had a positive impact on Riser's sales.
"The bad weather forced consumers into more one-stop shopping," he said. "With the roads and the parking lots covered with snow, consumers didn't want to make two and three stops to complete their shopping trip."
Rego also said the company's strict cost-control policies leveraged the sales increase into higher earnings.
Charles A. Rini Sr., Riser's president and chief operating officer, said Riser added some $200 million in new wholesale sales and opened a new distribution facility for general merchandise and health-and-beauty items over the past year.


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Wednesday offered some slightly better trade for Chinese large caps as some of Tuesday's losers rebounded a bit today. China Eastern Air (NYSE:CEA) jumped 3.77% and Yanzhou Coal (NYSE:YZC) added 2.19%. Both names were big losers on Tuesday. Solar stocks showed some promise on Wednesday as well, with JA Solar (Nasdaq:JASO) and Yingli Green Energy (NYSE:YGE) both adding more than 3%. Not all solar names were in favor though, as LDK Solar (NYSE:LDK) lost almost 5%.
Once again, the online gaming sector was a mixed bag with Perfect World (Nasdaq:PWRD) gaining almost 6% and Netease.com (Nasdaq:NTES) adding 3.56%, but Changyou.com (Nasdaq:CYOU) lost almost 2% and Shanda Games (Nasdaq:GAME) lost more than 2%.
Despite the pop in Yanzhou Coal (NYSE:YZC), other commodities names slumped on Wednesday, led by an almost 6% decline for Silvercorp Metals (NYSE:SVM). Aluminum Corp. of China (NYSE:ACH) also lost nearly 2%.
China Real Estate Information (Nasdaq:CRIC) lost more than 5% on light volume and no news. Semiconductor Manufacturing (NYSE:SMI) lost 2.26% on no news flow and volume that was just about 25% of the daily average. Guangshen Railway (NYSE:GSH), Melco Crown Entertainment (Nasdaq:MPEL) New Oriental Education (NYSE:EDU) all lost more than 1.5% on Wednesday.
Once again, the small-cap landscape was littered with familiar names in both the winning and losing columns. Rino International (Nasdaq:RINO) added 2.3% after Tuesday's plunge. UTStarcom (Nasdaq:UTSI) gained 2.8% after a big loss on Tuesday, though volume was light today. Medical equipment stocks got a boost with Chindex International (Nasdaq:CHDX) adding 2%. Large-cap rival Mindray Medical (NYSE:MR) gained more than 1%.
China Information Security Technology (Nasdaq:CPBY) popped almost 3% on no news and light volume. China Nepstar Chain Drugstore (NYSE:NPD), a name that has been on the receiving end of plenty of bearish trade lately, actually booked a gain of almost 4% on Wednesday. Biotech names offered some refuge with China-Biotics (Nasdaq:CHBT) gaining almost 4%, but Sinovac Biotech (Nasdaq:SVA) led the way in this sector, soaring 5.23%.
Among small-cap losers, WSP Holdings (NYSE:WH) couldn't build on yesterday's gains, tumbling almost 11% today. China Architectural Engineering (Nasdaq:CAEI) also lost almost 11%, though volume was less than 25% of the daily average. After providing an update to the Nasdaq about its filing status, jewelry maker Fuqi International (Nasdaq:FUQI) slumped almost 10%. Tongxin International (Nasdaq:TXIC) continued its bearish ways, sliding 7.34% on volume that was nearly 50% above the daily average.
China Fire & Security (Nasdaq:CFSG) keeps on tumbling, losing another 6.33%. Noah Education (NYSE:NED), General Steel (NYSE:GSI) and Gushan Environmental (NYSE:GU) all lost more than 5%.


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The OFRC15C features unique and eco friendly oil free technology, heating your room quicker saving you time and money.
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- Usage: Small to medium sized rooms
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PHI1 Items Found
Belk PHI
Add personality and expressive motifs to your humble abode with the PHI collection from Belk. The PHI products feature pretty bedding and decorative pillows. The crisp, white bed set transforms your bedroom into an oasis instantly. The creative, plush cushions are adorned with sweet phrases and beautiful prints that impart a unique touch to your couch. Let the PHI style update your decor with quality items that are durable and easy to clean. You'll always want to hurry home and snuggle up with all these soft, luxurious creations. Create a warm, joyful ambiance with the charming pieces from Belk's selection of PHI fashion.


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Cheap hotels in Trou Aux Biches
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- 5 stars hotels from $149 (Bon Azur Beachfront Resort)
Trou aux Biches Coastal Road
0.4 km from city center
(126 Reviews)
Coastal Road Mon Choisy
1.0 km from city center
(44 Reviews)
Costal Road Trou Aux Biches
0.9 km from city center
(53 Reviews)
Coastal Road
0.7 km from city center
(38 Reviews)
Route Royale
0.5 km from city center
(43 Reviews)
Coastal Road
0.3 km from city center
(33 Reviews)
Coastal Road
1.2 km from city center
(27 Reviews)
Royal Road
1.4 km from city center
(31 Reviews)
14 Avenue Sodnac Quartre-Bornes
0.8 km from city center
(17 Reviews)
Coastal Road
0.5 km from city center
(13 Reviews)
Hotels in Trou Aux Biches
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Hotels in Mauritius: Main Cities
Weather forecast for Trou Aux Biches
Monday 5Min 2 °CMax 8 °C
Tuesday 6Min 4 °CMax 10 °C
Wednesday 7Min 3 °CMax 10 °C
Thursday 8Min 1 °CMax 11 °C
Friday 9Min 5 °CMax 9 °C