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When an Egyptian graphic designer took it upon himself to raise his fellow citizens' spirits and hopes about their currency by announcing an "Egyptian Currency Design Challenge" on November 11, he had no idea that the initiative would go viral — or cause so much controversy.
Maged Sabry, 31, launched the Facebook page for his challenge with little hope about participation levels. But so far around 100 designers have submitted new designs — including a new LE500 banknote category — while the page has over 43,000 followers and growing. "I had no idea that this many Egyptians are actually interested in currency design," he says.
While the Central Bank of Egypt has not made the identities of their graphic designers public, the current banknotes follow a specific pattern: All banknotes are bilingual, with Islamic monuments on the Arabic side and pharaonic monuments on the English side — except for the 25-piaster note, which has the state's Eagle of Saladin symbol on the English side.
Sabry feels that the currency designs are ripe for updating, and the director of the American University in Cairo's graphic design program, Haytham Nawar, agrees. "It doesn't represent us. Egypt isn't just mosques and pharaonic temples," says Nawar, who believes the designs summarize how recent governments see our identity. "I partially agree about using those elements, but they should not only be ancient Egyptian and Islamic — we have Coptic as well as other ethnic groups like the Amazigh, the Takhnak people, the Nubians."
Nawar also thinks banknotes shouldn't just represent the past. "We have a contemporary culture rich in art, literature, film," he says. "We have internationally acknowledged names, scientists. We have Nobel Prize winners. We can use all these as elements of design in our banknotes to build our identity."
But when the competing designers on Sabry's page challenged the current Islamic-Pharaonic pattern, a deluge of criticism poured in. "Don't you dare think you could replace our mosques with [ancient Egyptian] deities," wrote one critic.
In response, Sabry argues that religions exist in all countries. "What's really unique in our culture is the pharaonic art and heritage," he says, but adds that the challenge is open to all ideas and only excludes designs with technical and spelling errors.
Ancient Egypt is currently poorly represented in Egypt's currency, Nawar says, as its scripts do not feature on the banknotes. He points out that scripts and languages are very important elements in any culture, and that Egyptian culture has a variety of languages in different scripts.
But the Egyptian Currency Design Challenge has also been criticized for its exclusive use of English in both presentation and design. Sabry claims that English is not only easier to design but is also understandable to potential tourists and investors. Aside from raising spirits, Sabry hoped to promote tourism and investment — he wanted the designs to have the same effect that postcards have.
Nawar has higher expectations. "Switzerland, for example, prints four languages on its banknotes, because they have four official languages," he explains. "So we can show our diversity by using different scripts, by not eliminating 'minorities' — much as I hate that word."
When asked about when a currency should redesigned, financial analyst and investor Magdy Tolba says, "Currencies are almost like readings of historical events. They don't have a fixed expiration date, like needing to be renewed every decade or something of this sort."
Tolba says currencies change on three occasions. First, when major political change happens — from a caliphate to a monarchy or from a monarchy to a republic, for example. Second, when production methods change due to new technologies or other shifts, as when the CBE established the country's own printing house in 1968, ceasing to print banknotes abroad. Third, when economic factors lead to currencies no longer having meaning, as when the Sudanese pound collapsed in the late 1900s, and Sudan abolished the pound and introduced the dinar.
The National Bank of Egypt had issued notes for 10 and 25 piasters, LE1, 5, 10, 50 and 100 banknotes since 1899, a role that the CBE took over in 1969. It subsequently introduced LE20 banknotes in 1976 and the LE200 note in 2007.
Nawar says that technology has changed since the banknotes were last designed, and that up-to-date technology should be considered in the design process. "Even for security, now we have really high-level technology, and we should be considering these advancements of technology in our designs," Nawar explains. "We just use some security elements, like ink that is able to be read by ultraviolet light, but we haven't changed the design itself according to the technology."
There's no actual money in Sabry's challenge. Once submissions start decreasing, he will stop posting pictures and instead organize submitted designs into albums with his friend Nadeem Khaled. "People will be requested to vote so there will be a winner in the end, and the prize will be something intangible but valuable: exposure on Facebook as a graphic designer," Sabry says.
Twenty-three-year-old architect and graphic design enthusiast Mirna Mikhail was working on logos and invitations when she came across one of the new banknote designs on her Facebook timeline, prompting her to participate. "A currency is a rare thing to be asked to design. I think this is what made it special and awoke the interest of hundreds of designers," Mikhail says. It pushed her out of her comfort zone to search for watermarks, dimensions, fonts and the other elements required in a banknote.
Mikhail saw the competition as a cultural challenge and wanted to bring out elements of Egyptians' shared cultures. One of her designs incorporates Pharaonic, Coptic and Islamic elements. Another seeks to combine Pharaonic culture's past and future: She shows the Grand Egyptian Museum – currently in construction – and Tutankhamen's mask, with the pyramids in the background.
Sabry will not be proposing the winning designs to the CBE or any other officials. "The page is there. The designs are there, and, if they find the initiative suitable considering the timing and situation, they would've approached themselves," he says. "But it's obvious that they're not considering changing the design, especially after they talked to the press about the falsity of claims that my page's designs are the new currency designs. It might not be the time for such a thing."
Apart from the country's ongoing foreign reserve crisis and theNovember 3 decision to float the currency, in June, the CBE brought back 25 and 50 piaster and LE1 banknotes – replaced by coins in 2011 – apparently because the cost of the metal used became higher than the currency's actual price.
Indeed, aside from the look of the suggested new designs, many bankers became infuriated when Facebook pages shared the challenge designs and claimed they were the actual new designs for the Egyptian currency.
"This challenge could lead to a catastrophe," says a parliamentarian who spoke on condition of anonymity. "Millions of people may fall into believing it's true and head to the banks to exchange their paper money for new ones. This is not the time. The market is in severe damage."
But although the CBE issued a statement on November 15 denying the false claims and Sabry wrote a post on the page on November 17 supporting that denial, stressing that his challenge is nothing but a challenge and is not supported by any official body, some bankers and experts remained angry.
Because of this, finding interviewees for this article who have investigated banknote design in their work was not easy: Some professors and graduate students were intimidated by the thought of being published – even anonymously.
Tolba says the panic could be because of a misplaced fear that the competition could pave the way for currency forgery. He explains that currency printing now incorporates security measures into banknotes, which makes them very difficult to forge.
"Banknotes are the direct communication means between citizens in everyday life," says Nawar. "If our citizens have the potential to see the visuals in the banknotes, you'd be actually educating them about their culture very simply. They don't have to go to museums and exhibitions. They would see the special elements of their culture everyday. That's why choosing the elements to include in the banknotes' designs is a very sensitive subject."


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Liberia's national team has been hit with a major blow after it was announced that two players failed their medical tests prior to the team's training camp, which began on Wednesday, January 16 at the Antoinette Tubman Stadium in Monrovia.
LISCR FC Exits CAF Confederations Cup
The 2018-19 CAF Champions and Confederation Cup will continue without a Liberian club after Liberia's last representative, LISCR Football Club, were sent out by Algerian side, USM Bel Abbes on Wednesday, December 5 at the Antoinette Tubman Stadium in Monrovia.
Musa Kebbay's Hat-trick Helps Liberia Advance to WAFU Semifinals
Liberia's U-20 national football team has advanced to the semifinals of the ongoing West African Football Union U-20 Nations Cup after thrashing Sierra Leone in the final game of Group A to finish second behind Ivory Coast.
LISCR FC Off to Sudan
LISCR Football Club has departed the country for Sudan for their CAF Champions League game against 36-time Sudanese Premier League champions Al-Hilal.
LISCR Concludes Preseason Camp in Sierra Leone With Disappointing Results
LISCR Football Club has completed its week-long preseason camp in neighboring Sierra Leone, where they played three test matches before their return to Liberia.
LISCR FC Crowned Champions of the 2017 LISCR Trust Tournament
The 2017 LISCR Trust Tournament has come to an end with its organizers, the Liberia first division and FA Cup champions, LISCR Football Club, finishing as winners.
County Meet MVP Edward Ledlum Shines on LISCR Debut
Gardnesville-based LISCR FC began the second phase of the first division league with a disappointing 1-1 draw with ELWA United on Friday, April 14 at the Antoinette Tubman Stadium.

subset: commoncrawl


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Glow silver earrings
Glow Collection
49,00 € 24,50 €
Live Chat
Hand-finished jewellery with premium quality materials
Installment plan: Buy now. Pay Later
Safe & secure online shopping
Free shipping from 70€ to europe | 100€ to us
Fast delivery guarantee
- Glow silver earrings
- Material: 925 Sterling Silver
- Stones: Star shaped zirconia
- Anchoring system: Pressure system
- Weight: 1 g
White star shaped zirconia never looked so good. These 925 sterling silver stud earrings curve up ear lobes, making your ears shine on its own. These feminine dazzling earrings are a must have for those who do not fear modernity and timeless elegance.
We design and craft hand-finished prêt-à-porter jewellery, a genuine collection of handcrafted pieces using premium materials and semi-precious stones.


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Are you looking to contact me?
If you would like to contact me, you can find me at this places:
or just email me at firstname.lastname@example.com
Want to contact me as a Brand?
I am PR friendly and would love to possibly work with you if your brand is a great fit for my readers. Think you are a good fit to work with the Guru?


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|Women do not believe that men believe what pornography says about women. But they do. From the worst to the best of them, they do.
|No woman needs intercourse; few women escape it.
|Seduction is often difficult to distinguish from rape. In seduction, the rapist often bothers to buy a bottle of wine.


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Green Core Altmann 400 SYN
Prices plus VAT plus shipping costs
Versatile synthetic fill sleeping bag
With our Green Shape label, we offer functional, environmentally-friendly products made from sustainable materials. They are manufactured under fair working conditions along the entire supply chain. The criteria for the label are strict and transparent. They are under constant review and cover the entire lifecycle of the product from design, through production, care and maintenance, to repair and the product's end of life. Find out more about Green Shape.
The german, state seal Grüner Knopf (Green Button) distinguishes textiles which have been manufactured in accordance with particularly high social and environmental standards. Read more about Grüner Knopf.
- Wir setzen uns für gute Arbeitsbedingungen und faire Löhne für alle ein. Wir sind Mitglied der Fair Wear Foundation (FWF) und verpflichten uns, die Arbeitsbedingungen in allen Produktionsstätten kontinuierlich zu verbessern. Diese werden regelmäßig kontrolliert. VAUDE hat mit dem Leader Status den höchsten Status als FWF-Mitglied erreicht.
No VAUDE online shop in selected country
Product Description
Versatile synthetic fill sleeping bag
- can be used as a blanket or a lightweight sleeping bag
- primarily made from recycled and biobased materials
Green to the core! The Green Core Altmann 400 SYN is a lightweight, extremely versatile, fully outfitted hybrid sleeping bag — and is made primarily from recycled raw materials. Planning a quick mountain adventure on your next summer trip? Need a lightweight layer for your next road trip in your motor home? Want to cool your green conscience and find the right bag in the process? The Green Core Altmann 400 SYN is the answer you're looking for — it's the green Swiss Army knife of the sleeping bag world. True versatility — as an ultralight and compact summer and transitional seasons sleeping bag, as a "quilt system" in combination with an insulated pad with a welded edge, as a trapezoid shaped blanket on warm nights or as a poncho for a sunset or the beach.It also features a "quilt concept" for lightweight yet comfortable sleeping. You've got your insulation pad or air mattress along anyway — one of these will provide enough insulation from the ground, and you can open up the bag and use it as a quilt. This not only saves weight and distributes the synthetic fill more efficiently, it also allows greater freedom of movement for a comfortable night's sleep.The Green Core Altmann 400 SYN is both rugged and made with sustainable manufacturing. The outer material is made from recycled polyamide (85% rec PA / 15% EL) and the inner lining is made from 100% recycled polyester. The fill consists of PrimaLoft® Silver Natural Blend Insulation. We used kapok natural fibers for this innovative fill — a renewable raw material. They feature a hollow core for superior insulation and provide excellent moisture management thanks to a blend with recycled polyester for maximum sleeping comfort. Zips and cord stoppers are made from castor oil — you just won't find a greener night's sleep than with the Green Core Altmann 400 SYN! The VAUDE Green Shape label stands for environmentally-friendly, functional products made from sustainable materials. #multiuse #ecofair #unique
Developed for
Trekking, Travel, Mountaineering
Further applications
- Model: 14239
- Weight: 1100 g
- Fill Weight: 400,00 g
- Length: 200,00 cm
- Shoulder Width: 70,00 cm
- Foot Width: 48,00 cm
- Temperature Comfort: 8 °C
- Temperature Limit: 3 °C
- Temperature Extreme: -11 °C
- Pack Size: 30 x 17 cm
Features & Technologies
- quilt sleeping system with unique VAUDE pad-fixation
- lightweight fabrics with water repellent treatment
- can be used as a blanket
- can be used as a coat, while camping, cooking, etc.
- body contoured mummy cut for optimal heat management
- warmth collar
- contoured hood
- stow-away hood
- with full-length zip (can be used as a blanket)
- front zip
- exceptionally eco-friendly and sustainable materials, zips and trims
Complete your outfit
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The Shelving System
The beauty of The Floyd Shelving System is that it can be whatever you want it to be. Whether you're moving to a new place, or re-organizing your home, the design allows you to add on units over time. Because who knows when you'll need an entire wall shelf to hold all those books you've been planning to read!
We've said it before & we'll say it again, it's modular! Which means when you buy a base shelf you can add on to it in the future. Add-ons attach onto the wood supports you already have. So, if you have a Tall Base Shelf, you can add either a Short or Tall Add-on. However, if you have a Short Base Shelf, you can only add on a Short Shelf. This is because the system comes together using the same vertical supports, so you'll two sets of whatever height shelf you're going for. No disassembling is necessary to add on!


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The environment secretary has refused to endorse claims by David Cameron that the recent storms afflicting the UK were linked to climate change.
David Cameron said on Wednesday that he "suspected" that climate change was partly responsible for the increased frequency of extreme weather, such as floods and droughts.
But Mr Paterson, who is renowned as a climate-sceptic, declined to answer a question on whether he agreed with Mr Cameron, prompting roars of laughter from the opposition benches.
It comes after a series of controversial comments by Mr Paterson about climate change.
In October, Mr Paterson caused controversy when he suggested that the threat posed by global warming had been overstated, and indicated that in some cases farmers could benefit from the warmer weather.
He said at the time: "People get very emotional about this subject and I think we should just accept that the climate has been changing for centuries.
"Remember that, for humans, the biggest cause of death is cold in winter, far bigger than heat in summer. It would also lead to longer growing seasons and you could extend growing a little further north in some of the colder areas."
Mr Patten yesterday faced further questions about his views on climate change from Phil Wilson, a Labour MP. He asked: "In PMQs yesterday, the Prime Minister said he very much suspects that the recent abnormal weather events are a result of climate change. Do you agree with the Prime Minister."
Mr Paterson replied: "What the Prime Minister said is we should look at the practical measures we're taking, and I entirely endorse his questions."
He added: "And perhaps you will get after your front bench and see if they will endorse the very ambitious spending plans we have for flood defences, which so far, they have been very, very reluctant to do."
On Wednesday Mr Cameron was asked whether he believed climate change was to blame for the wave of severe weather. He said: "Colleagues across the House can argue about whether that is linked to climate change or not. I very much suspect that it is."
His comments put him at odds with a significant number of MPs in his party who are sceptical about the impact of climate change.
The environment secretary also said that "trashing" ancient woodlands to make way for unwanted housing would be "absolute travesty" but admitted they could be bulldozed as a "last resort".
Owen Paterson said he was "personally" offended by the public backlash against him and said his role in planting an arboretum last year helped demonstrate his environmental credentials.
Mr Paterson has been strongly criticised by environmental campaigners after suggesting last week that developers could be allowed to build on centuries-old forests if they plant 100 times as many new trees elsewhere.
Mr Paterson said a form of "offsetting" could be used to enable forests dating back more than 400 years to be flattened for housing or transport projects.
However, yesterday in the Commons Mr Paterson insisted that planning protections for ancient woodlands will remain in place. He conceded, however, that "some assets are too precious" to built on, even as a last resort.
He said: "I am delighted to reassure the honourable lady that the idea that biodiversity offset could be used as a means of imposing unwanted houses on ancient woodland is an absolute travesty. Should we bring in offsetting, all the regulations remain.
"Only at the last moment would we consider offsetting. Some assets are too precious. In Australia there has been an 80 per cent shift of planning applications away from fragile environments. As someone who has just planted an arboretum in the last year the idea that I'm going to trash ancient woodlands is an absolute travesty to me personally."
The proposals have outraged MPs. Barry Sheerman, a Labour MP, said that the 19th century poet John Clare who was a passionate defender of the countryside would have opposed the measures.
He said: "This is the 150th anniversary of the death of one of our greatest poets of the countryside, John Clare. He wrote a great deal about diseased trees. He certainly was a great defender of the English countryside. What does the minister think of giving up our ancient woodland and replacing it with new growth."


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Resplendent in a jewelled silvery white gown that would today cost around £500,000, Queen Elizabeth I certainly knew how to flaunt her power, wealth and, even in her late 50s, her womanly assets. Portraits of the rich and famous in Tudor times were loaded with symbolism. Search out the Tudor rose and the suggestion of forgiveness in the sun breaking through a thundery sky (the portrait was commissioned by a gentleman who fell from grace then was forgiven).
But if you look closely, in her left hand Elizabeth is holding a pair of leather gloves and this is a very personal symbol. Throughout her life Elizabeth knew that her hands were her best feature. In every portrait her hands are almost iridescent with remarkably long fingers, probably painted that way by royal request. During meetings with ambassadors from far flung countries, Elizabeth would peel leather gloves on and off in a flirtatious manner to display her wrists and long fingers. (Think about the Hollywood 1950s to 1960s striptease routines when long gloves were a key garment to be removed.)
So even in history, leather gloves were transformed into a glamorous accessory. Comfortable and warm, essential for hiding Winter roughened hands but more importantly a stylish way to enhance and emphasise an erogenous wrist.
For the history buffs among you who want to view the whole portrait, here is the link The National Portrait Gallery.


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Frankie Financial Privacy Policy
Privacy Policy
The Frankie Financial Privacy Policy ("Policy") informs our users as to the information we collect, what we do with this information and how your information is protected. Frankie Financial is committed to protecting your privacy and safeguarding your personal information. We are committed to handling personal information in accordance with applicable privacy laws, including the Australian Privacy Act 1988 (Cth) and Australian Privacy Principles and the New Zealand Privacy Act 1993 and information privacy principles in it.
We may collect personal information for the purpose of conducting our business, to provide and market our services and to meet our legal obligations.
Generally, personal information is information which may be used to reasonably identify you. For example, your name, date and place of birth, address, contact details (such as telephone number and email address), identification details (such as your tax file number, government identifiers such as passport details or driver's licence details) and biometric information (such as facial images and fingerprints). Personal information may also include information we collect about your individual preferences.
Without limiting its general obligations under the Privacy Act, we will comply with Australian Privacy Principles, in particularly Chapter 9 relating to the receipt, handling, storage and disclosure of an individual's identifier. You may refer to the relevant Chapter of the Australian Privacy Principles for full details.
References in this Policy to "Frankie Financial", "we", "our" or "us" refer to Frankie Financial Pty Ltd (ACN 623 506 892) and any affiliated services. References to 'you' refer to Users of Frankie Financial and its affiliated services.
Application of Privacy Policy
The Policy applies to users of Frankie Financial's services, including individuals, government and corporate legal entities.
Frankie Financial's customers are those who use and/or purchase Frankie Financial or affiliate services.
Why do we collect Personal Information?
We collect, hold, use and disclose verification data only for the purpose of providing data verification and monitoring services.
We collect personal information about you which is reasonably necessary to:
Provide access to our services;
Responding to enquiries and communications we receive about us and our services;
collecting feedback and developing, improving, managing and administering our services;
notify details of new services and products offered by us;
administer our databases for client service, marketing and financial accounting purposes; and
fulfil our legal obligations, such as those relating to taxation and anti-money laundering and counter-terrorism financing or as otherwise authorised by you.
Without such information, we may not be able to provide our customers with an appropriate level of service.
What Personal Information do we collect?
Frankie Financial collects data which may include personal information (verification data) for the purpose of providing identity, document and data verification services. Verification data may include your name, date and place of birth, address, contact details (such as telephone number and email address), identification details (such as your tax file number, passport details or driver's licence details) and biometric information (such as facial images and fingerprints).
We also collect personal information if you create an account or enter an agreement with us to use our services, such as your or your representatives' name, address, title and contact details.
Where we check your information with third-parties, we may retain details of the check we performed and the transaction match results of the check for audit and assurance purposes.
We also collect personal information that is provided to us in the course of normal business operations, such as if we engage you as a supplier, if you apply for employment with us or make an enquiry about our services. The kinds of information we collect will depend on what is provided to us, but typically would include your name, address and contact details.
We generally do not collect sensitive information, such as information about your racial or ethnic origin, political opinions or associations, religious beliefs or affiliations, sexual orientation or practices, health or genetic information.
Do we disclose personal information to overseas recipients?
All of our services are provided from Australia. The only circumstance in which we disclose personal information to an overseas recipient is where we are asked to match verification data against data held by an entity. This may result in your personal information being disclosed to recipients in countries such as New Zealand, Ireland, United States and the United Kingdom. Otherwise, we do not disclose personal information to overseas recipients.
How do we collect your Personal Information?
Frankie Financial collects information from its customers who use our services. We require our customers to obtain your express consent before they provide your personal information to us. Verification information is collected by us through electronic interfaces with our customers. You also have the right to withdraw your consent at any time where Frankie Financial relied on your consent to process your personal information.
We can also collect personal information directly from you or may receive personal information from third party suppliers and government database services. If we do, we will protect it as set out in this Policy.
We store personal information in computer storage facilities. We take steps to protect the personal information against loss, unauthorized access, use modification or disclosure, and against other misuse. These steps include encryption, password protection, access privileges for accessing our IT system, and using current technological protection measures.
Information that we collect may from time to time be stored, processed in or transferred between parties located in Australia.
Disclosure of your personal information
We disclose verification data to various third parties in order to match verification data you provide to us with the records held by them. Further information about the types of data verification services we provide, including the data sources we use, is available on our website.
We may disclose other personal information to our agents and contractors. If we do this, we require the third party to protect personal information in the same way we do.
We may from time to time need to disclose personal information to comply with a legal requirement, such as a law, regulation, court order, subpoena, warrant, in the course of a legal proceeding or in response to a law enforcement agency request.
If there is a change of control in our business or a sale or transfer of business assets, we reserve the right to transfer to the extent permissible at law our user databases, together with any personal information and non-personal information contained in those databases. We would seek to only disclose information in good faith and where required by any of the above circumstances.
Where we provide personal information to third parties, we endeavor to use contractual measures to protect this information. Additionally, we take reasonable steps to destroy or permanently de-identify personal information when we no longer need it.
We will never sell your personal information to anyone else.
Security of your personal information
Frankie Financial is committed to ensuring that the information you provide to us is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure.
Access to your personal information You may request details of personal information that we hold about you in accordance with the provisions of the Privacy Act. A small administrative fee may be payable for the provision of information. If you would like a copy of the information, which we hold about you or believe that any information we hold on you is inaccurate, out of date, incomplete, irrelevant or misleading.
We will take all reasonably practicable steps to make sure that the personal information we collect, use or disclose is accurate, complete and up to date.
If you wish to have your personal information removed from our records, you may request that your personal information be removed or destroyed. It may not always be possible to comply with your request.
We reserve the right to refuse to provide you with information that we hold about you, in certain circumstances set out in the Privacy Act.
Complaints about Privacy
If you have any complaints about our privacy practices, please feel free to send in details of your complaints. We take complaints very seriously and will respond shortly after receiving written notice of your complaint.
You may also make a complaint to the Office of the Australian Information Commissioner (phone 1300 363 992) or the New Zealand Office of the Privacy Commissioner (phone 0800 803 909). Their websites also contain further information about making complaints relating to privacy.
Changes to Privacy Policy We may change this Policy at any time without notice to you. We recommend that you visit our website regularly to keep up to date with any changes.
When you visit our website
When you come to our website www.frankiefinancial.com, we may collect certain information such as your browser type, operating system, website visited immediately before coming to our site, etc. This information is used in an aggregated manner to analyse how people use our site, such that we can improve our service.
We may from time to time use cookies on our website. Cookies are very small files which a website uses to identify you when you come back to the site and to store details about your use of the site. Cookies are not malicious programs that access or damage your computer. Most web browsers automatically accept cookies but you can choose to reject cookies by changing your browser settings. However, this may prevent you from taking full advantage of our website. Our website may from time to time use cookies to analyse website traffic and help us provide a better visitor experience. In addition, cookies may be used to serve relevant ads to website visitors through third party services such as Google Adwords. These ads may appear on this website or other website s you visit.
Third Party sites
Our site may from time to time have links to other websites not owned or controlled by us. These links are meant for your convenience only. Links to third party website s do not constitute sponsorship or endorsement or approval of these website s. Please be aware that Frankie Financial is not responsible for the Privacy Practices of other such website s. We encourage our users to be aware, when they leave our website, to read the privacy statements of each and every website that collects personal identifiable information.
What happens if you are a resident of the European Union?
Frankie Financial is a data controller and processor for the purposes of the General Data Protection Regulation (GDPR). If you are a resident of the European Union for the purposes of the GDPR, then in addition to what is set out above, the following applies to you.
Personal information from identity documents may be provided to the document issuer or official record holder via third party systems for the purpose of confirming your identity.
The identifiers are maintained on a separate database for audit and compliance purposes and for the purpose, if necessary, of verifying the accuracy of the information collected or for certain limited disclosure set out below. Frankie Financial will not use or disclose these personal identifiers for any other purpose.
Frankie Financial will never adopt an individual's government related identifier as a means of identifying that individual.
There may be circumstances where Frankie Financial is compelled to disclose an individual's identifier, for example, if required by law or by the order of a Court of Tribunal or by a law enforcement body where Frankie Financial reasonably believes that disclosure is reasonably necessary.
Frankie Financial is subject to the Australian Privacy Act and Australian Privacy Principles and will comply with that Act and those principles.
Without limiting its general obligations under the Privacy Act, Frankie Financial will comply with Australian Privacy Principle 9 – Adoption, Use or Disclosure of Government Related Identifiers in receiving, handling, storing and disclosing the identifier of an individual. Full details of these requirements can be found in Chapter 9 of the Australian Privacy Principles available on the website of the Office of the Australian Information Commissioner.
By consenting to this Policy, you agree that we may make use of a number of automated processes using your personal information and your activity on our site as tracked by us, in order to customize and tailor our services to you.
In addition to your rights set our above, you may update or rectify any of your Personal Information that we hold about you, in the manner described in the "Access to your personal information" paragraph above.
Contact Us
If you have an enquiry regarding the content about the Frankie Financial Privacy Policy, you can contact us by email at email@example.com.
Last Updated 1 June 2019


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Character voice talent Andy Rosenberg, is a New York City based American voice over artist. Due to growing up a humongous fan of The Simpsons, The Muppets, and watching weekday afternoon cartoons on Kid's WB, his heart resides in characters, but he has had the privilege to provide his sound for projects across the spectrum, ranging from Commercials, Animation, Videogames, Documentaries, TV Movies, Audiobooks, E-Learning, et al.
Credits include Disney Jr, Multiple Playstation 3 videogame titles, Anime Dubbing, and Readingware.
Studios Specs
Sennheiser MKH416 shotgun mic
Sony Sound Forge
True Psolo Pre-amp


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This Easter, instead of filling the kiddo's Easter baskets with candy and small plastic trinkets, why not fill it with something they will enjoy for hours and that they really want. Check out the games from the Nintendo Select line, which include some of the most fun 3DS games at a great price. Some of the titles include Kirby Triple Deluxe, Mario and Luigi Dream Team, Animal Crossing New Leaf, Luigi's Mansion, The Legend of Zelda Ocarina of Time, and Yoshi's New Island. These games and many more can now be purchased for $19.99. These are the same fun games which are well loved by all at a wallet-friendly price.
Kirby Triple Deluxe is all about the cute pink hero who must defeat King Dedede by traveling through many worlds. Kirby's chief move is the ability to suck up enemies and borrow their powers, until spitting them out and grabbing new ones. What we really like about Kirby Triple Deluxe is the amount of content in it. There are a total of 3 additional games included. The first is Dedede's Drum Dash, which is a rhythm based time trial game. Next is Dedede Tour, which lets you time attack through levels from the main story as Kind Dedede instead of Kirby, and last but not least the Arena, which is a continuous battle mode with bosses from the main story. This game is a great way to get to know Kirby and all is about personality and powers.
Mario and Luigi Dream Team is a role playing game with familiar characters from the Mushroom Kingdom. In this game you must battle your way through the resort world of Pi' Illo and Luigi's odd dream world. The game is an action RPG where players take control of the famous brothers in order to rescue Princess Peach and restore the citizens of Pi' illo from the bat king Antasma's curse. This game is a blast for Mario fans and is a fun way to change up the familiar game play of running and jumping by including strategy and a rich silly story.
These games and more are available now at retail locations and online.


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OUR old pal Michael Conway, Chelsea's exiled supporter – An Englishfan in New York – reacts to the champions' reverse at Manchester City…
TO USE a golfism, the Champions have started this season with the equivalent of a Post Birdie F*** Up!
The only good news is that it's early days and there is plenty of time to improve. I did hear that no team has won the Premiership after not winning one of their opening two games. Mind you, Chelsea should have different priorities this year. Last season it was imperative for us to win the League after not appearing on the winner's podium for a little too long, this year it is the Champions League that should be top of the club's shopping list.
Manchester City were deserved winners today. If not for some heroics from our new goalkeeping No.2, Asmir Begovich, it could have been embarrassing.
He thwarted Sergio Aguero on at least thee occasions in the first half. The Argentine forward showing his good sportsmanship by clapping at one of the latter efforts.
City have won back-to-back to start this season, freshened by a couple of big off-season signings, they already look like the team to beat.
Unlike last season, it would be the defensive end of the pitch that would be the cause of our biggest concern. In particular it would be our captain/legend that would start to take his well-earned bow.
Jose Mourinho, substituted JT for the first time as his manager. This should be no surprise to anyone. It has happened a little quicker than we'd have liked, but was inevitable.
Mourinho's move was prompted by City running riot in an our penalty box for most of the first half. Ivanovich had Raheem Sterling, with Kolorov as Best Supporting Actor giving him dizzy spells. And Aguero was like an Osprey circling his prey. If that wasn't enough, Yaya Torre's right boot was primed if Chelsea managed to half-clear it to the edge of the box. Get the picture?
Aguero eventually broke through with his usual zero heartbeat on the six-yard line.
Kurt Zouma was brought on at half-time, as JT took his place on the bench as a spectator. Left an odd feeling in the pit of my stomach… Jose has his work to do. Which he will.
We certainly looked more balanced in the second half, but rarely threatened, even though we had a lot of the ball in the vicinity of the City box.
Our attacking formation never appears to be at full throttle unless Oscar is on the park. Jose's starting eleven was our usual away (more defensive) team, with Ramires replacing Oscar. I still have a big soft spot for Ramires, but he is unlikely to score when needed.
Our player ratings were below par, certainly in comparison to City's.
Fabregas, Hazard, Willian and even the busy Costa were all mid-range.
Whereas City's Silva, Yaya, Fernandinho, Kompany (pictured), Kolorov and new boy Sterling all had significant impact on the game. On top of that, Aguero is the most dangerous forward in the current Premmy.
Kompany's second and Fernandinho's third put paid to any semblance of hope that we'd salvage a point.
A record breaking attendance at the Ethiad left with a big smile on its face.
Mourinho has had to shake both Arsene Wenger's and Manuel Pellegrini's hands, accepting defeat, within a month. He must be seething.
Jose normally creates an issue to deflect attention away from his players at times of stress. This time the pressure is on him! The Eva situation has not helped. This sideshow was not intentional.
We must have realized this season would be much tighter than last, it would be impossible for it not to be!
Onwards and Upwards. I have full confidence that Jose will rally and I would have a little wager that we make the Champions League final. I am not writing off the league this year, but let's understand Roman's priorities.
From a global branding perspective we need to give those two upstart Spanish sides a run for their money!


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As the modern globe gets more frenzied with raising worldwide chaos both political and also financial, as well as swiftly advancing innovations that are transforming our lives quicker than ever, occasionally one truly should simply tip away from the world and also unwind. Just how individuals do this is naturally an extremely individualized issue. Sometimes this is basic as well as almost enchanting in how low tech it is, such as knitting or baking. Other individuals discover their alleviation in brainless computer game or watching imported television shows with a person special. One way to name a few to take care of the pressure of the modern-day globe is to spend some time for oneself and also practice putting on a residence golfing environment-friendly.
The residence golf eco-friendly is a straightforward thing, though it's been preferred by powerful people with the contemporary history of the video game of golf. Of certain note was Head of state Dwight D.
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One method to deal with these troubles is with golf netting. Golf netting is a straightforward item intended to make exercising golf swings less complicated and also less discouraging. At its heart, it's a simple mesh net that catches golf rounds where it's been established, like an angling net. As opposed to the golf rounds rolling all willy nilly everywhere when one manages to put their ball off their green, the web catches the rounds and also usually rolls them back on to the green for an additional round for the gamer. These nets make certain that the golf will not have to waste time looking for loss rounds, whether it gets on an indoor or outside placing green.
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Artist: Eagles
The Eagles are an American rock band that was formed in Los Angeles, California in 1971. Currently consisting of vocalist/drummer Don Henley, guitarist/vocalist Joe Walsh and bassist/vocalist Timothy B. Schmit, the band had five Number 1 singles and six Number 1 albums. the Eagles were one of the most successful recording artists of the 1970s. The Eagles' album, Their Greatest Hits 1971-1975 was named as the best-selling album of the 20th Century with 26 million sold, and, along with the album Hotel California, was ranked among the ten all time best-selling albums by the Recording Industry Association of America. The band's recording and touring schedule gradually slowed until they broke up in the fall of 1980 for what became a fourteen year hiatus.
Each of the members has pursued a solo career, with Don Henley's the most successful commercially and critically. In the '90s, after what they considered a "14 year break", the band's sound was frequently cited as an influence by young country stars, many of whom contributed tracks to the album Common Thread: The Songs of the Eagles (#3, 1993), which won Album of the Year at the 1994 Country Music Associations's CMA Awards. That same year, the Eagles revival culminated in the band's reunion tour and album.
The group originally coalesced from L.A.'s country-rock community. Before producer John Boylan assembled them as Linda Ronstadt's backup band on her album Silk Purse (1970), the four original Eagles were already experienced professionals. Bernie Leadon had played in the Dillard and Clark Expedition and the Flying Burrito Brothers; Randy Meisner, with Poco and Rick Nelson's Stone Canyon Band. Glenn Frey had played with various Detroit rock bands (including Bob Seger's) and Longbranch Pennywhistle (with J.D. Souther, a sometime songwriting partner), and Henley had been with a transplanted Texas group, Shiloh. After working with Ronstadt, Henley and Frey decided to form the Eagles, recruiting Leadon and Meisner.
Intending to take the country rock of the Byrds and The Flying Burrito Brothers a step further toward hard rock, the Eagles recorded their first album with producer Glyn Johns in England. Take It Easy (#12, 1972), written by Frey and Jackson Browne, went gold shortly after its release, as did their debut album
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Jordan Eagles: Blood/Spirit - St. Louis Riverfront Times (Event)
Every Tue., Wed., Thu., Fri. until June 28 - Jordan Eagles is both artist and art conservator, because his art would decay naturally if left untreated. Eagles paints with animal blood, which immediately conjures images of Slayer album covers and slasher movies; but Eagles is much more influenced by colorfield and process painting than he is by...
Eagles of Death Metal - St. Louis Riverfront Times (Event)
7:00 p.m. May 18 - Eagles of Death Metal is a loose super-group engineered for rock fans with a sense of humor. Formed in the late '90s by swarthy mustache pioneer Jesse Hughes and Queens of the Stone Age's ginger powerhouse, Josh Homme, EoDM plays hooky, guitar-driven jams with the same tongue-in-cheek attitude of ea...
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The audience grew to more than 80 at the 26th annual Creative Writing Awards ceremony on April 16 at the Bartlesville Public Library.
The program began with guest speaker Sidney Brammer's talk — "Feeding the Back Brain." Brammer, a local author and educator, shared her experiences and gave advice for aspiring writers. She began by congratulating all the writers who made the leap of faith to enter the contest and did not win, applauding their efforts and their courage, and encouraging them to keep writing.
She went on to share advice gleaned from a writer's conference she attended last summer where acclaimed author Dorothy Allison advised students to "learn to trust your back brains." Allison explained that writers tap their minds for their experiences, which are the the story-making parts of our unconscious, and recommended that writers "feed their back brains" by accumulating experiences and recording them. And Brammer stressed that writers should "never flinch from experience, because it is money in the bank" for them.
This year more than 70 local writers entered the competition. The winners were announced, congratulated and presented with cash awards.
This year's winners are:
Poetry: Morgan Sanders, Ragen Jane Hodge, Hadley Davis and Anthony Nissen
Non-Fiction: Hadley Davis, Aarya Ghonasgi, Ann Cleary and Marilyn Boone
Children's Literature: Katelyn Brown and Heather Davis
Fiction: Julianna R. Ortiz, Gabriella Lynn Williams, Victoria Grace Polley, Brittany Banh, Christine Jarmola and Gary Nealis.
Jarmola also earned the honor of being named grand prize winner.
Local writers can begin preparing their work for next year's competition. Entry forms will be available in at the Bartlesville Public Library in early December.


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Economics should never be called a science, dismal or otherwise. It is closer to psychology than physics. Most of its inputs are unreliable, their effects on each other are even more so and, when you stir them up together, you have to add to the mix the unknowable ingredient of how people are going to behave.
So the future of the country hinges not just on how much the Government cuts public spending or raises taxes but on how we – as shoppers, employers or investors – react to what it does. Ministers can take an axe to the public sector, but if we respond by earning less, spending less or investing less, they may also end up turning the rest of the economy into kindling. Given that the deficit is the difference between what the Government pays out in spending and what it earns in tax, if tax revenues fall, we could end up with large spending cuts, a spiral back into recession and a deficit just as big as it was before. That would be the worst possible outcome both for the country and for the Coalition.
If growth disappears, so do tax revenues. Yet the Treasury's forecasts of a shrinking deficit in the next few years assume decent rates of growth. If we decide we're too worried about losing our jobs to spend money, or businesses decide that fewer people will buy their goods, then that growth won't materialise. In that case, what's the Plan B? The scariest aspect of the Government's economic gamble is that there's no obvious escape if it all goes wrong.
The UK bond markets are already sensing the possibility of a double-dip recession. Bond investors are cussed creatures: they prefer low inflation and the prospect of falling interest rates to economic growth. That's why bond prices tend to rise on what normal people see as bad news, such as higher unemployment. And guess what? British bond markets are the strongest they have been for years. Last week, the ratings agency Moody's said the UK was "clearly one of the weaker countries in the AAA peer group" and that the country was moving closer to being downgraded. The first challenge, said the agency, was to revive growth, a task that had been made harder by the lack of tools at our disposal. Because of the need to tackle the deficit, the Government can't use the normal expansionary measures of cutting taxes or increasing spending.
George Osborne has made it harder for himself – and all of us – by promising to eradicate the whole deficit in just one Parliament. At the time, he claimed this was necessary to mollify the bond markets, which were already spooked by large deficits in Greece, Ireland and Spain. But they would surely have settled for less. Labour was offering to halve the deficit; Osborne could have said he would cut it by three-quarters, to 3 per cent of national income, a perfectly respectable level.
Instead, because he went even further, he is now risking both economic growth and the public services. Spending cuts and tax rises will take money out of the economy while it is still fragile, increasing the chances of tipping it back into recession. And the scale of the cuts will involve hacking out not just fat but muscle too from the public sector. Frontline services are bound to suffer.
These cuts will be all the more galling if it turns out that they haven't even managed to reduce the deficit because of falling growth. So how can the Government encourage growth? It can't do much with monetary policy. Interest rates have to remain low, but with a base rate at 0.5 per cent, they can hardly be cut further. More quantitative easing risks fuelling inflation. On fiscal policy, there isn't much the Government can do either. If growth were to slow and Mr Osborne announced he was abandoning his deficit-cutting plans, the financial markets would punish him by selling UK gilts and the cost of his borrowing would rise – increasing the deficit still further. Privately, ministers say that if a double-dip loomed, they would have to bring forward tax cuts, but that wouldn't go down well with the markets.
So all the Government can really hope to do is introduce supply-side measures that boost the private sector without costing the Government money. These will be the core of a growth paper, to be published in the autumn. It will include proposals for deregulation, liberalising trade, skills training and science.
Ministers are also desperate to get banks lending more to small businesses. In previous recoveries, small businesses and start-ups have led the way out of recession. That is proving harder this time, because of the difficulty of borrowing money on reasonable terms. "There's a massive frustration in Government with the behaviour of the banks," admits one Cabinet minister. "Once the economy does recover, it will become a crippling problem."
The Government cannot relax the capital requirements that banks have to set against their small business lending without breaking international rules. It may have to draw up lending agreements with them or threaten an extra tax on their profits unless they step up their lending. Either way, we can expect quite a bust-up.
Meanwhile, lifting planning restrictions would help boost housebuilding, but all politicians know how inflammatory this can be. Allowing greater immigration of skilled workers would help businesses, but that runs counter to the Conservative policy of a cap on numbers. As one minister puts it: "It's not easy to get all the ducks in a row. We're really discovering that, being in Government and getting beyond slogans, it's all a lot more complicated."
One boost to growth could come from the new Green Deal, launched rather quietly last week. The plan is that all householders will be encouraged to have an energy-saving survey done of their home and any work they have done as a result can be paid off over the years in the form of lower energy bills. The utility companies will have to finance the upfront costs by issuing bonds. People moving home will be given a tax incentive to take up the Green Deal and give their new place an energy-efficient makeover before they move in. And private landlords may be forced to do it before they can let out their properties.
This plan will create jobs all over the country, soaking up some of the unskilled and skilled unemployed from the construction industry. And, critically, it will be financed by private not public borrowing.
But how much of an impact can schemes like this make against the headwinds coming the other way? There isn't going to be much, if any, increase in consumer spending next year as our real incomes fall and VAT goes up. Yes, there have been encouraging economic statistics in the past week on tax revenues, manufacturing and retail sales, but these are all a leftover from the Labour economic stimulus. The new Government's spending cuts and tax rises have barely begun to kick in. From now on, the cost of living is going to rise, but our earnings won't. And many people, particularly in the public sector, will be worried about losing their jobs altogether.
It would be great if Britain could export its way out of recession. That won't be easy, though, while other countries are launching their own austerity drives. And business investment is unlikely to pull us through while the economic outlook is so uncertain.
The Government's Plan A is to eliminate the deficit and sit back while a newly energised private sector creates hundreds of thousands of jobs. The public sector becomes clean and lean, and the UK's financial credibility is restored. But what if it doesn't work? What if the private sector doesn't respond, we tip back into recession, and we are left with savage cuts and a widening deficit? What's the Plan B? Is there even one?
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Colors marked with an asterisk (*) are not available in size Small.
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DOUGHERTY CO., GA (WALB) - A woman has died from the flu in Dougherty County, according to Coroner Michael Fowler.
The woman, who was middle-aged, died Saturday, Fowler said.
The coroner said this is the first flu death this year for Dougherty County.
The woman had flu-like symptoms prior to actually seeking treatment, which Fowler said is common with the flu.
Flu season lasts until May, and Fowler said those that haven't got their flu shot still can.
Fowler said older people and children tend to have weaker immune system and are more likely to get the flu.
This is a developing story and we will update as more information becomes available.
A woman has died from the flu, the first in Dougherty County this year, according the Coroner Michael Fowler.
"They had symptoms prior to that time, but they did not go get treated, so they did pass," said Fowler.
Something Fowler said is common. He says many think they just have a cold, and try to treat it with at home remedies, or even just wait it out all together.
"It can happen to anyone. A lot of times it happens to older people, but this was a middle-aged person and it can happen to even a child," Fowler said.
Which is why Fowler said going to the doctor immediately is so important.
"We play it off. Say, 'I'm okay'. And keep on going. But you don't want to play around and catch the flu and go down quicker."
Flu season lasts until May. Fowler says if you haven't gotten a flu shot yet, it's important you get one now.
(Coroner Michael Fowler/Dougherty County) "Once you catch it, a lot of times it's hard to get rid of and it just makes it worse."
Dougherty County Public Health District representatives said they're doing their own investigation into this woman's death, before their office rules she died from the flu.
Copyright 2019 WALB. All rights reserved.


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If you know me or have followed my blog in earlier days when I was actually blogging, you know that I love to decorate. And, if you have followed me recently, you know that I have a deep love for South Africa. So, with some birthday money this summer, I bought this beauty.
When the kids started school, I did quite a bit of cleaning and finally hung it up. It makes me happy.
Do you remember the old school maps that your teacher used to unroll?
The girls are still trying to figure out how old it is.
It's probably not the right scale for that wall, but I love it and it's staying.


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In my previous post, I looked at the question of whether a return to the fiscal rectitude of Victorian values was needed. I concluded that it wasn't and owed more to that eternal right wing objective to permanently shrink public spending rather than any exigent need to lower the deficit.
In this second article, I want to examine a different question: regardless of whether we need to, is it possible to create a permanent budget surplus?
Politically and economically, permanent surpluses are difficult to maintain. At some point, governments come under pressure to either spend the money or cut taxes. Since spending is a no-go for this government, presumably that just leaves tax cuts. But history warns us that relentlessly cutting taxes does not lead to trickle down wealth, jam tomorrow for all. Rather it tends to rob the state of its ability to provide essential services, concentrates wealth in the hands of the few and widens inequality. This is exactly what we have seen during the last six years.
Artificially eliminating all public borrowing also limits a nation's ability to make strategic investments. And if the government is withholding money by running a permanent surplus, private investors (e.g. banks) need to step in to fill the breach – in macroeconomic terms, surpluses and debts must balance each other out. That might be okay if the increase in private debt was through responsible lending, but if we look at period before the last recession, it was largely used to finance asset speculation – e.g. property. And we know how well that turned out.
We know that the Chancellor is looking to cut £12 billion from the welfare budget but details on how this will be done are still vague. It's a mystery to me how the government fought and won the election whilst managing to avoid revealing how those cuts would be made. Now that details are beginning to emerge, it seems clear that if these spending plans go ahead, the post-war settlement that provided wealth, prosperity and security for millions of Britons will have been dismantled and there certainly won't be enough money available to rebuild it.
Ah yes, say Conservative critics, but we are still just trying to fix the mess left by the last Labour government. I wonder how long they can continue to blame the previous administration for their own policies. Tory ministers like to smear Gordon Brown for 'maxing out the credit card' when in reality, both the deficit and the debt to GDP ratio was lower in 2007 just before the recession than when New Labour came to power. The truth is plain to see in official data from the Office for Budget Responsibility.
But in 2001, having established a record budget surplus (blue line) of £18 billion after three years of spending restraint, the clamour for using that money became impossible to ignore.
Labour chose to massively invest in health and education to try and repair a long period of Conservative neglect. Sure, Chancellor Brown could have offered tax cuts but given the already booming state of the economy, that would almost certainly have led to inflation, a big trade deficit and recession. Investing in the infrastructure of the nation and its potential was a better choice in my opinion and most people seemed to agree given the size of the Labour majorities in 2001 and 2005. I think people have very short memories about how bad things were by the time John Major was swept from office.
The acceleration of spending on health under Labour, and its subsequent flatline under the Conservatives, can be clearly seen in this summary of ONS data.
A broader overview of Labour's priorities versus the Conservatives is summarised in this chart from the Institute for Fiscal Studies. Health and Education rose from 10.1% to 14.8% of public spending comparing 1996 to 2010. The full report is here: http://www.ifs.org.uk/bns/bn92.pdf
We already know how quickly George Osborne abandoned Austerity 1.0 when his economic mismanagement flatlined the economy. How long would the Chancellor keep wearing his self-imposed budgetary shackles if and when his voodoo trickle down economics failed to work?
So while anything is possible in economic theory, the political reality is a different matter. International creditors believe that it's possible to force Greece to endure yet more years of hardship even though the impact of austerity on Greek society has been nothing short of savage. At the time of writing, the once unthinkable Grexit now looks more likely as Athens threatens to throw in the towel. But whatever austerity was supposed to achieve in Greece has patently failed to emerge. The unbending requirement for the Greeks to fully repay their creditors is neither economically nor politically credible.
Britain is not, and never has been, at risk of a Greek-style financial crisis. On the day of the 2010 General Election, ten-year bond yields were at 3.84% whereas Greece's bond yields soared to more than 12% and Irish yields reached 9%. And throughout the course of the last Parliament, they ebbed and flowed between 2-3% suggesting that nobody in the financial markets felt the need to price huge risk into the bond yields as a condition for buying British government gilts. More to the point, countries like Britain that borrow in their own currency and possess their own central bank can also print money if nobody choose to lend or invest in them. No central bank can hold the UK to account in the way the Greek government is presently being challenged.
So does the political will exist in Britain to hold and maintain a permanent budget surplus?
When he was in opposition, George Osborne scoffed at the notion of legislation proposed by then-Chancellor Alistair Darling to enshrine permanent budget surpluses.
"No other Chancellor in the long history of the office has felt the need to pass a law in order to convince people that he has the political will to implement his own Budget," said Osborne in a 2009 debate. "As one commentator observed this week, there are only two conclusions. Either the Chancellor has lost confidence in himself to stick to his resolution, and is, so to speak, asking the police to help him, or he fears that everyone else has lost confidence in his ability to keep his word, but hopes that they might believe in the statute book if not in him. Neither is much of a recommendation for the Chancellor of the day."
Hmm, what changed? Was it a Damascene conversion or did failure teach George Osborne Victorian style humility? Maybe this is an example of Victorian values at work.
When he came to office in 2010, the Chancellor expected to reduce the deficit to around £40 billion by the end of the last Parliament. But his austerity policies so crippled growth in the first couple of years that the economy went into a flatline. Instead of 'only' borrowing £40 billion, Osborne was needing to borrow almost £100 billion by the time the 2015 election came around. In August 2014, Britain's debt to GDP ratio was 77%, higher than at any time under Labour 1997-2010!
It is a simple fact that since the Conservatives took office in 2010, they have added more debt than every Labour government put together.
Rapidly rising unemployment added to the pressure on public spending, increasing benefit payments and reducing tax receipts during the period 2010-2015. Millions of people in employment were asked to accept zero hour contracts and low paying salaries, forcing them to become reliant on 'in work benefits' like tax credits, which further depleted the public purse.
And yet, in the midst of these budgetary pressures and challenges for low income households, the Chancellor lowered taxes for the richest members of society.
I don't understand how conservatives can preach about the need for small government, when the inevitable outcome of reducing the role of the state in public life is income inequality, job insecurity and a greater need for welfare to support the millions of people left behind by the concentrating of wealth in the hands of the few. It's plain wrong that the government should have to provide welfare payments to low paid workers because companies can choose to maximise profits and pass the moral responsibility for a living wage back to the state.
I don't have a comparable graph for the UK but this US chart shows the rise of corporate profits compared to increases in workers' wages. I suspect a very similar trend would be visible in Britain.
As a result, the UK's low pay culture may be costing tax payers £11 billion per year according to research by community organising charity, Citizens UK.
Over 5.24 million people in the UK, (22% of all employees) are estimated to earn less than the Living Wage. As a result, the taxpayer is forced to step in and top-up incomes with in-work benefits so that employees can afford a basic standard of living despite being in employment.
And then business groups complain that state intervention gets in the way of free enterprise!
Ironically, the reason why debt and deficit targets went astray was because the Chancellor veered completely off target with austerity. Realising he was in danger of causing a severe aftershock to the Great Recession, Osborne relaxed his austere fiscal policy whilst still maintaining the rhetoric in public and blaming everything on Labour. According to Paul Johnson, the director of the Institute for Fiscal Studies:
"Mr Osborne has perhaps not been quite such an austere chancellor as either his own rhetoric or that of his critics might suggest. He deliberately allowed the forecast deficit to rise as growth undershot in the early years of the parliament."
The net effect is that Britain has undergone a kind of recovery, helped by low inflation and low oil prices, but one where public finances remain precarious. This probably lies behind the Chancellor's recent decision to sell off RBS. The revenues raised from that opportunistic sale, albeit at a loss, give him more wiggle room when Austerity 2.0 begins to bite. And bite it will. Concerning Osborne's future plans, the Office for Budget Responsibility has already warned:
"This leaves a rollercoaster profile for implied public services spending through the next Parliament: a much sharper squeeze on real spending in 2016-17 and 2017-18 than anything seen over the past five years followed by the biggest increase in real spending for a decade in 2019-20."
And elsewhere in the March 2015 OBR Economic Outlook:
"Another implication of the Government's spending policy assumptions is a sharp acceleration in the pace of implied real cuts to day-to-day spending on public services and administration in 2016-17 and 2017-18, followed by a sharp turnaround in 2019-20."
This is classic shock doctrine economics. Seize the moment – the unexpected majority victory in the 2015 election – to crash through the greatest amount of painful policy in the first two years, then ease off the gas in preparation for the 2020 poll with the damage done and things appearing to get better. As Paul Krugman says, this is 'success' only in the sense that it feels good when you stop hitting yourself in the face.
The first wave of austerity stopped the economy dead in its tracks. The second wave is predicted to be worse. Personally, I doubt this is possible. I have to believe that the social and political ramifications of this wrecking ball approach to reducing public spending will prevent the policy reaching its fruition. Which brings me on to final next question for next time: is this what we want? I'll cover that in my next post.


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BENEDICT CUMBERBATCH and JOHNNY LEE MILLER nominated for best actor at the Olivier Awards 2012!!!!
Frankenstein also nominated for best lighting and best sound design.
Raks - there's a few other nominations that you would be interested in too, including Nick Hytner for Best Director (One Man Two Guvnors). The link below shows all the nominations.


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2019 Mazda3 vs 2019 Volkswagen Jetta
For their 2019 models, the Mazda3 and the Volkswagen Jetta have received extensive redesigns, affecting their exterior and interior looks, powertrains, features, and more! With both models vastly improved with these changes, we thought it'd be very interesting to see how they now compare in the aftermath.
Therefore, we've decided to pit these brand-new compact sedan models of the Mazda and VW brands against one another. Does Mazda win in terms of style and power or does Volkswagen win in terms of affordable pricing and fuel economy? It's the 2019 Mazda3 sedan vs the 2019 Volkswagen Jetta!
2019 Mazda3
2019 Volkswagen Jetta
|SKYACTIV®-G 2.5L Inline 4
|Baseline Engine
|1.4L Turbocharged Inline 4
|Torque (lb-ft)
|SKYACTIV®-Drive 6-Speed Automatic
|Standard Transmission
|6-Speed Manual
2019 Mazda3 Rochester, NY
The 2019 Volkswagen Jetta offers a funky new look with an improved fuel economy while keeping an affordable price for consumers. However, in terms of an actual product, the 2019 Mazda3 sedan is easily the superior purchase. Far more luxurious while only marginally more expensive, the 2019 Mazda3 has much more power and a plethora of additional features, including:
- i-ACTIV AWD®
- Push-Button Ignition
- Power Moonroof
- Blind Spot Monitoring
- Active Driving Display
- LED Headlights and Taillights
- Digital Owner's Manual
- Cruising & Traffic Support
- G-Vectoring Control Plus
- High Beam Control
- And More!
The 2019 Mazda3 sedan and hatchback models have a USA release date confirmed for March 2019. Soon on its way, expect additional information and plenty of marketing pushes from Mazda throughout the next couple of months. To keep on top of the latest news concerning the 2019 Mazda3, please contact us here at Marketplace Mazda. You can even reserve your own to buy or test drive once we get the new 2019 Mazda3 in stock. Reach our staff online, by phone, or at our dealership located in Rochester, New York within Monroe County.


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Submission and publication process
Please send submissions as a Word document to the Editor, Yacinta Kurniasih:
To ensure the highest standards of scholarship, papers accepted for publication by IJIS will have undergone the following evaluation process:
- Initial assessment of paper's relevance and quality by the four member IJIS Editorial Board. At this stage a paper may also be returned to an author for revision on the basis of format or expression.
- An IJIS paper is next double peer blind reviewed by suitable experts in the field to which the paper pertains.
- Based on an assessment rubric, an IJIS paper is evaluated by reviewers as either:
- Publish without revision
- Publish subject to revision
- Reject
- Resubmit for additional review
- Once a paper has satisfied the peer review process, it is distributed for comment and overview from the IJIS Editorial Advisory Board (EAB) as a final quality assurance procedure.
- Finally, papers recommended for publication by IJIS's EAB will be submitted for proofreading and general editing evaluation to ensure the journal's standards of academic expression and referencing are maintained.
- IJIS actively screens for plagiarism using TURNITIN software; our reviewers are also encouraged to highlight text passages suspected of being plagiarised or inadequately paraphrased and to bring these to the attention of the Editorial Board.
- Potential authors please note there are no submission or processing charges imposed by IJIS.
Accepted materials
The following academic material will be considered for publication:
- Articles
- Book reviews
- Creative writing
- Opinion essays
- Poetry
- Review articles
- Translations (with critical exegesis)
Style guide
Submissions must strictly adhere to the prescribed style guide.


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Social Care (Self-directed support) (Scotland) Bill (SPICe briefing)
Briefing that discusses the policy context to the Bill, current legislative provisions for self-directed support and the provisions in the Bill itself.
Briefing that discusses the policy context to the Bill, current legislative provisions for self-directed support and the provisions in the Bill itself.
Study with overall aim to provide macro-level financial and economic evidence on the potential costs, benefits and impacts of an increase in the uptake of SDS in Scotland.
Toolkit which explains what co-production is and gives some tips on how to make it successful.
It is designed for disabled people and their organisations who want to start working in co-production with service providers like local authorities, NHS Boards and others.
Report that looks at the future development of personalisation at a time of limited resources. It details two seminars held in November 2011, organised by SCIE with support and funding from the Joseph Rowntree Foundation (JRF).
The seminars brought together service users, carers and a select number of people involved in practice and policy development around personalisation in adult social care.
An Act of the Scottish Parliament to enable local authorities to provide support to certain carers; to make provision about the way in which certain social care services are provided by local authorities; and for connected purposes.
The overall aim of the audit was to review how effectively the public sector commissions social care services.
It examines how well councils and their partners plan, and how councils either procure or deliver, effective social care services. It also assesses the extent to which councils and their partners involve users and carers in developing services to meet their needs, and how they work with providers in the voluntary and private sectors to provide high-quality, sustainable services.
Report that looks at how far government and other organisations are making information about social care more easily available. It examines the challenges that organisations providing home care services face in responding to service users' choices and the help that local authorities can give these organisations to meet such challenges.
It also reviews the available research evidence on how service users, carers and professionals balance the benefits of choice against the potential risks involved.
Presentation on the subject of personalisation and self-directed support that was produced for North Lanarkshire Council in November 2011.
Report looking at what good support means to people with disabilities.
Report that studies older people's wishes and experiences of commissioning health and personal care services.


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Hide Forgot
From Bugzilla Helper:
User-Agent: Mozilla/4.0 (compatible; MSIE 6.0; Windows NT 5.0; .NET CLR 1.1.4322)
Description of problem:
Is it possible to add driver for Areca Raid controller to FC4? There is already a patch out there for the 2.6.12 kernel that is verified and certified by vendor. I tried it using it with 2.6.11 kernel that FC4 uses and it works just fine. The url to the patch (it's currently part of Andrew Morton's mm patch tree - but can be applied separately, without any other patches that are part of the mm tree) is
Version-Release number of selected component (if applicable):
How reproducible:
Steps to Reproduce:
1. install FC4
2. Areca Raid controller is not recognized untill the kernel is rebuild with the
3. Rebuild the kernel with the patch - and Areca controller is recognized just fine
Additional info:
Created attachment 114721 [details]
areca driver patch from Morton's mm patch tree
The patch can be found under
I agree that it would be nice to have; I have many systems with all storage on a
RAID controller and I am limited to 3ware cards because I won't use anything
that can't be seen from a rescue disk. I also understand about drifting from
upstream, but given that this driver has very low impact and will most likely
make it into 2.6.13, I wonder if an exception could be made so that it gets onto
the FC4 boot media.
Perhaps Arjan could comment about possible stability impact, since he worked on
the driver.
After discussion with the scsi maintainer, this driver still needs some work
before its ready for inclusion upstream. Being in -mm is no holy-grail to
stability sadly.
oh, well - that was worth a try. I guess now I'll need to be hacking my own
kernel together with every upgrade - what a pain.


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Who: Forsyth Gem & Mineral Club
September 6th- 7th, 10am-7pm
September 8th, Noon-5pm
Where: Education Building
Admission: $3 for adults, Children thru Grades 12 are free with accompanying adult. Adult tickets include hourly drawings for $20 gift certificate.
What: The Forsyth Gem & Mineral Club proudly presents the 48th Annual Jewelry, Gem, Mineral & Fossil Show and Sale. This year's theme: Minerals, Gems and Fossils of Mexico. The show will feature informative presentations, 28 exciting dealers, plus a mineral identification and learning center.
Dealers featuring: Minerals, Faceting Rough, Supplies, Fossils, Jewelry, Beads, Beading Supplies and Decorator Items.
Demonstrations Featuring: Wire Wrapping, Cabochon Cutting, Geode Cutting and Jewelry Making.
For more info visit https://forsythgemclub.com/


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It's been a month since the UK Government asked everyone to work from home where possible, with the Republic of Ireland following closely. Since then, many employees have been working in their home environment and learning to adapt to the change.
Whether it's the kitchen table, a corner desk, spare bedroom or even the shed - spaces that were not originally designed for working have now become makeshift offices. And home office space is often shared, creating challenges of it's own!
Whilst we are advised to stay home unless necessary for work, shopping for food, medical care or daily exercise, there are still some quick and easy ideas we can put in to place to improve our daily working space:
It is equally as important for those who are continuing to work in their usual environment or who have been redeployed to have a space to come back to which works for them.
Have you got any top tips on making the most of your workspace at home?
Share this story About sharing
Last week was Armed Forces Week (22 to 28 June 2020); a celebration of the Armed Forces across the region who keep us safe, and an opportunity for Sodexo to celebrate our own teams who support the military community every day.
Each year, Armed Forces Week (22 to 28 June 2020) provides Sodexo with the opportunity to commemorate the Armed Forces across the region, and gives us a chance to celebrate our own Hidden Heroes who are helping the military in a number of different ways.
As we continue to stop the spread of the Coronavirus (Covid-19) and work together to rise again, we must all make sure to continue thanking those making a difference every day.
Our region's 2020 Have a Safe Day Award finalists were announced last week, with two individuals and one team nominated by you being shortlisted for the global finals - discover who they are and what they did to be nominated.
After recent events in the United States of America and across the world, read a message prepared for all colleagues from the executive co-sponsors of our Culture & Origins employee network that recognises the feelings of frustration, anger and pain stretching beyond the USA into the UK and Ireland.
This Volunteers' Week (1 to 7 June 2020) we're taking the opportunity to celebrate all the Sodexo Hidden Heroes across the region who have been supporting their communities through volunteering, both prior to and during the Coronavirus (Covid-19) pandemic.
With the launch of rise with Sodexo, Sodexo Ambassador Matt Dawson takes the opportunity in his last Hidden Heroes video message to thank just some of your colleagues who are already helping our clients to safely reopen their doors.
Last week we saw the launch of rise with Sodexo, our new programme aimed at helping our clients prepare to reopen or be reconfigured to meet the requirements of their new normal. We know that this means the hard work continues for many of you, and for some this work is already underway, so this week we are celebrating our Hidden Heroes who are helping our clients rise with confidence.
This week, you have all been spreading the joy of kindess in celebration of Mental Health Awareness Week (18 to 24 May 2020) and IDAHOBIT (17 May 2020), supporting each other, friends, family and the communities where we operate. This week Matt thanks just a few of our Hidden Heroes truly paying it forward.
In 2019, we are celebrating Sodexo Discounts' sixth birthday - see how much you can save!
From April 2018, the minimum contributions for the workplace pension will increase - this is a nationwide change, involving millions of people and their employers across the UK.
Sodexo Supports Me is the free service for all Sodexo people.
Sodexo discounts is upgrading! From Tuesday 21 November 2017 the Sodexo Discounts site will be accessible via Perks at Work. The new website gives you access to better discounts and a bigger range.
Harness the power of conversation with Aspire - Sodexo's new performance development framework for Ingenium users.
Over 600 Sodexo colleagues came together on Thursday 12 December 2019 for a glittering awards ceremony at our Sports & Leisure venue, the ACC Liverpool, to celebrate the winners of our inaugural Spirit of Sodexo Awards.
On 2 April 2020, Sodexo announced that it will support those employees most adversely affected by the Coronavirus (Covid-19) pandemic via a new €30 million global Employee Relief Programme.


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You can find the list of remaining dates here: MDA FMNP-FVC 2012 Farmer Training Dates and while there are only a few sessions left, it's important to note that tomorrow is the last joint training session with the DC WIC office.
So if you are a farmer or market manager who wants to accept DC checks in authorized Montgomery or Prince George's County markets and/or Maryland checks in authorized DC markets, plan to join us tomorrow in Accokeek.
Registration is online here: 2012 FMNP-FVC Training Registration.


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Polls: Support for Fair Farms' Legislative Priorities
February 8, 2016
When Fair Farms launched in December, we had two top legislative priorities for the 2016 Maryland General Assembly:
- antibiotics legislation (SB 607/HB 829) that would restrict the routine use of human antimicrobials in livestock that is not sick; and
- the Poultry Litter Management Act (SB 496/HB 599), a bill that would place the responsibility of manure removal on corporate integrators (and take the responsibility off of family farmers, also known as "contract growers").
Two new polls show widespread public support for both of these bills. Our partners at the Natural Resources Defense Council (NRDC) conducted a poll that showed 68 percent of Marylanders favor the Antibiotics Bill, due in large measure to its potential impact on public health.
Each year, 2 million people in the U.S. contract antibiotic-resistant infections, with 23,000 dying as a result, according to the U.S. Centers for Disease Control and Prevention.
There is widespread recognition among public health officials that drug-resistant superbugs pose a significant risk to humans. One of the reason for the rise in these superbugs is the routine use of antibiotics in farm animals.
The antibiotics legislation is working its way through the Maryland General Assembly right now. If you would like to write your legislator to support this legislation, please click the button below:
In fact, an overwhelming majority (76 percent) of Marylanders are concerned about contaminants in their food, while just 19 percent fear that the poultry industry will leave Maryland as a result of regulations. In polling conducted by Cornell University on behalf of Fair Farms and other partners, the survey showed that Marylanders on the Eastern Shore, urban areas, suburbs and Western Maryland are widely supportive of legislation to hold big poultry companies responsible for their manure.
Very few Marylanders, just 2 percent of those surveyed on both sides of the Chesapeake Bay, think that taxpayers should shoulder the costs for manure transport.
These numbers are very encouraging and show that the foundations for this legislation are solid across a wide cross-section of residents.
If you'd like to show your support for the Poultry Litter Management Act, please click the button below to write your legislator:
Thank you for your time and attention to these urgent legislative matters. Your voice counts.


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http://dapmalaysia.org Forward Feedback
Has Bank Negara approved US$50 billion Ninth Malaysia Plan project loan secured by Malaysian Government bond through two dubious companies – one "winding-up" local firm Asasatu Technology Sdn Bhd and the other Australian company Project Equity Services Group (PESG)?
(Parliament, Monday) : Information had been circulating on the Internet since October last year about the support given by the Prime Minister, Datuk Seri Abdullah Ahmad Badawi, who is also Finance Minister, about the raising of US$50 billion project loan for the Ninth Malaysia Plan secured by Malaysian government bond through two dubious companies – one "winding-up" local firm Asasatu Technology Sdn Bhd and an Australian company Project Equity Services Group (PESG).
A week ago, documents surfaced on the Internet to substantiate the allegation that Abdullah had given support to such unusual and even extraordinary arrangements involving US$50 billion for the funding of national infrastructure developments under the Ninth Malaysia Plan.
In the name of accountability, transparency, integrity and good governance, Abdullah must clarify three things:
1.Whether and why the government has adopted the unusual and even extraordinary arrangement to raise US$50 billion funding for the Ninth Malaysia Plan infrastructure development projects from 25 world top prime bank or local prime bank through dubious private companies.
2. Whether and why Asasatu Technology Sdn. Bhd, whose status in the latest record in Companies Commission of Malaysia (SSM) is "winding up", has been chosen to arrange the USD50 billion for the Malaysian government. From today's check with the SSM, the particulars of Asasatu Technology Sdn. Bhd are:
3. Whether and why the partner and agent of Asasatu Technology Sdn. Bhd. to arrange for the USD50 billion financing for the government's Ninth Malaysia Plan is the Sydney-based Project Equity Services Group (PESG). An Internet search raises many questions about the PESG, whether it is a front-company for Roland Bleyer, who is also President of Union Financial Services Corporation and dogged by a long history of allegations of scams by their victims world-wide.
As the Malaysian Government has prided itself as one of the advanced exponents of e-government, the Prime Minister cannot turn a blind-eye and claim ignorance of such Internet material.
If Abdullah is really the dark about such Internet material, I am prepared to forward to him all relevant information.
Opposition Leader, MP for Ipoh Timur & DAP Central Policy and Strategic
Planning Commission Chairman
Parliamentary Opposition Leader, MP for Ipoh Timur & DAP Central Policy and Strategic Planning Commission Chairman