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ManageEngine Showcases Its Wide Array of Products At Comex Oman
Senior global executives attend event to meet with local customers and partners.
March 27, 2013 8:47 by anila
Muscat, Sultanate of Oman, March 27, 2013 — ManageEngine, the real-time IT management company, announced that it is showcasing its wide range of products and solutions at Comex Oman from March 25-29, 2013 at the Oman International Exhibition Centre. In addition to exhibiting its solutions, senior global executives from the company are also holding product demonstrations as well as meeting customers and partners at the country's largest ICT exhibition.
"Oman is a very important market for ManageEngine and hence Comex, being the country's largest technology event, is a perfect platform for us to reach out to our customers and partners in the region. At the exhibition, we are placing the spotlight on our solutions targeting large enterprises and SMBs and meeting our local customers and partners at a single venue. We also look forward to signing some new partnerships as well," says Nirmal Manoharan, Senior business development manager, ManageEngine.
ManageEngine delivers real-time IT management tools that empower an IT team to meet an organization's need for real-time services and support. Worldwide, more than 72,000 established and emerging enterprises — including more than 60 percent of the Fortune 500 — rely on ManageEngine products to ensure the optimal performance of their critical IT infrastructure, including networks, servers, applications, desktops and more.
Comex 2013 is highlighting the latest technology trends, innovative products and government initiatives under Comex Business, eGovernment and Comex Shopper. ManageEngine is also showcasing the latest enhancements to its data center infrastructure management (DCIM) offerings along with the rest of its integrated IT management portfolio. ManageEngine is demonstrating how its DCIM products help enterprise data centers gain holistic management and real-time visibility of their network assets while automating tasks and bolstering internal controls to stay secure, ensure business continuity and enhance productivity.
Senior executives and technology experts from ManageEngine are available at their stand to meet with customers and partners and hold demonstrations for them.
About ManageEngine
ManageEngine delivers the real-time IT management tools that empower an IT team to meet an organization's need for real-time services and support. Worldwide, more than 70,000 established and emerging enterprises — including more than 60 percent of the Fortune 500 — rely on ManageEngine products to ensure the optimal performance of their critical IT infrastructure, including networks, servers, applications, desktops and more. ManageEngine is a division of Zoho Corp. with offices worldwide, including the United States, India, Japan and China. For more information, please visit http://www.manageengine.com/; follow the company blog at http://blogs.manageengine.com/, on Facebook at http://www.facebook.com/ManageEngine and on Twitter at @ManageEngine.
ManageEngine is a trademark of Zoho Corp. All other brand names and product names are trademarks or registered trademarks of their respective companies.
Media Contacts:
Gitanjali Sreepal (Geet)
[email protected]
Follow us on Twitter: @manageengine
Nirmala D'souza
OAK Consulting FZ LLC
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I booked a twin room. It was very dusty, enough to trigger my duagher's asthma and there was no handle on teh inside of the bathroom door which meant it was not possible to close the door porperly when going to the toilet. Definitely not impressed and did not stay
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- TripAdvisor is proud to partner with Expedia, Hotels.com, Travelocity, Venere, Despegar.com and Tingo so you can book your Inn on the Hill reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.
- Also Known As:
- Inn On The Hill Hotel Haslemere
- Inn On The Hill Haslemere, Surrey, England

subset: commoncrawl


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Baa-baas bolstered by big names
May 20, 2010
Wallaby George Smith is ready to team up with the Barbarians once more © PA Photos
Jannie du Plessis Florian Fritz Cedric Heymans Byron Kelleher Napolioni Nalaga Alan Quinlan Xavier Rush Paul Sackey George Smith Jerome Thion Martyn Williams
The Barbarians have unveiled a star-studded list of players to tackle England and Ireland that includes ex-All Blacks scrum-half Byron Kelleher and former Wallabies stalwart George Smith.
The Baa-Baas face England at Twickenham on Sunday, May 30 and Ireland on Friday, June 4 at Thomond Park with Kelleher's Toulouse club-mate Jean-Baptiste Ellisalde and Clermont's Australian fly-half Brock James also set to wear the famous black and white jersey. In a particularly strong back-row selection, Australia's record cap-holder Smith joins Wales' Martyn Williams, Ireland's Alan Quinlan and New Zealander Xavier Rush.
Argentina's Rodrigo Roncero, Springbok Jannie du Plessis and Bath veteran David Barnes provide formidable selection options in the front row while the presence of the likes of Toulouse's Cedric Heymans, Toulon-bound Paul Sackey, Clermont's Napolioni Nalaga and Toulouse's Florian Fritz will also cause concern. Biarritz's Jerome Thion and Toulon's Sebastien Bruno will provide some extra beef up front.
The Barbarians will be coached by Toulon's Phillipe Saint Andre and he will be assisted by his former Sale colleague Kingsley Jones. Barbarians' president Micky Steele-Bodger is eagerly anticipating the tour for which the full squad will be announced on May 24.
"It is one of the delights of our tours that so many players from so many different backgrounds readily accept our invitations to return or, indeed, make their first appearances for the Barbarians," he said. "We have a particularly tough tour this year with both England and Ireland likely to be at full strength ahead of their own test matches in the southern hemisphere. We are confident that we will again meet the challenge in the best spirit and traditions of the Barbarians."
© Scrum.com
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Check out my first (and probably last, for a while) paid review for GameRevolution.com - Tatsunoko vs. Capcom! http://tiny.cc/fvhn6
I say it's probably my last paid review, 'cause this one was a fluke, thanks to the Capcom PR troubles of late, I was able to pick up the game before GR's main office even had one, so I caught the review!
Also, I have a downloadable PSP Mini game review for Age of Zombies - http://tiny.cc/gu3on
edubuccaneer Blog
The joys of renegade interrupt...
by edubuccaneer on Comments
If only I had a renegade interrupt in real life like my pal Elliott Shepard. He's an annoying reporter's worst enemy. KA-POW!
Back to what I was doing...
Quick update
by edubuccaneer on Comments
Heya, I haven't really been in the mood to write about myself lately, but I noticed my last post was almost two months ago, so here's a quick update.
Managed to get some new games a couple of weeks ago, and have already finished Assassin's Creed 2 and its two DLCs for review. I really enjoyed the game, and only got annoyed at a couple of things, mainly the dumb glyph puzzles for subject 16's video and the Leonardo flying machine segment. The flying machine was just plain annoying, it felt so random how I'd run out of air and not, in two separate runs, when I was following EXACTLY the same path and using the same button presses. It literally took me twenty tries to finish that. Anyway, I finished the last memory block yesterday, and even though it got kinda of overly sci-fi for my tastes, I'm anxious to see where they'll take Assassin's Creed 3. The two DLCs will have reviews going for them in the coming weeks, both are already written and sent. Won't comment much about them!
Among other 360 games I got, was Mass Effect 2. I broke that open yesterday night a few minutes before going to bed. I decided to import my second Mass Effect character, Elliott, who I played as an engineer and as a mix between paragon and renegade. He's a tad more of a renegade (I did shoot the scientist back in Vermire, but saved the rachni), and I plan to play accordingly in the second game. I made him yet again an engineer, even though I was torn between that and sentinel. Sentinel sounds awesome and it'll probably be the other archetype I pick. I only got to play the starting section of the game, and boy, it was pretty good, I stopped right before getting to talk to the Elusive Man or whatever his name is. I can, however, already gripe about how small the text is in the game, and how it'll be a pain reading through the codex like that. I can't imagine why developers insist on making small fonts in games. I played games in HD before and the text is still small on them, it stinks, text should be readable, people took time writing stuff that deserves to be read. Please stop being so much like annoying designers who only value the picture and not the text smudge! Gotta mention I played through the original a few times over last month in order to close that one up and see all the story alternatives. Sadly, not once did I choose Udina over Anderson, I can't imagine anyone doing so, the guy is such a pain.
For the Wii, I got Tatsunoko vs. Capcom, and luckily for me, it'll be my actual first payed review. Game's pretty fun, it's totally fit to playing with the ****c controller, the wiimote option is awful. Unlocking characters is kind of a pain since the end boss (the final boss from Okami) is so cheap. Ah well, Capcom is following tradition with their platformer-like end bosses. Online's been great so far, losing as always, but it's totally a fault on my skills. I should have the review ready for next week, hopefully, since I already knocked three reviews out of the desk this week, two for the Assassin's Creed 2 DLC and another for P.B Winterbottom.
I terms of actual work, I finished a quick entry to CGHUB's contest on making busts. I only got a late word on it so I had a couple of days to work on it, even though I liked what I ended up with. Of course, I'll keep working on it for personal reasons. Had a lot of fun, and will probably stop shying away from these things, and put my work out there for industry types to see. I hope to follow through with what I'm saying here, and go beyond words!
That's what I got so far...
Oh yeah, I got a PS3 too, almost forgot to say. That thing is slow online. Haven't played much at all, but so far I really dislike the interface and the internet features. Patching takes forever, and logging into PSN is a coin toss for me, sometimes it works, sometimes it doesn't. Anyway, I hope to get a chance to play around with it more, and maybe buy MGS4, it's actually affordable at a store near my place, might go there eventually after finishing these new games.
Yet another year flashed by and I'm still around...
by edubuccaneer on Comments
Yep. Today is my birthday, heck, right on time, exactly one year since last time. Who would've thunk it?
Spending the day relaxing a bit while my computer renders a few frames from an animation I had to setup during the holidays. Took that time to finish up Batman Arkham Asylum's story mode - I swear I did all I could to extend it to the max, but I found all of the Riddler's challenges (without any guides, boy, who needs those with the maps you find in the game, anyway?) so I just decided to go through and finish the story. I have barely scratched the challenge rooms, so I'm pretty sure that will occupy a lot of my game time from now on. I have to say I absolutely adored the story and the pacing of the game. It only took a bit of a dive near the end, where I knew someone would do something in order to remind us this is a game, but other than that, stellar. Cannot wait for the sequel, and from what I could gather from the trailer, it's going to be pretty much like this one, only bigger. I just hope they improve the fighting, it was, personally, a pain in the rear for me. The stealth though, awesome. I love stealth games, and this is one of my favorites so far, right up there with the Thief games...
Anyway, this was supposed to be a quick blog stop!
Back to rendering, COMPUTER!
Batman is here!
by edubuccaneer on Comments
Now I can finally put an end to the burning question of {insert dumb Bale voice here} "WHERE IS THE JOKER?!"
´nuff said, I'm off to play this after some work...
Megaman! 10!
by edubuccaneer on Comments
Holy. Crap. Jaw dropped to floor, sadly, not literally... or not sadly? I'm kinda glad, actually. The only thing that beats this is Sheep Man. Yep. He does.
Random! Post!
by edubuccaneer on Comments
Yo, everyone, how's it hanging?
It's still gonna take a few for a review on Prince of Persia, but hold on to your pillows, it'll be a doozy once it's finally up. I played through the Epilogue DLC, and even though it isn't as bad as the main game, it's not great, either.
I've been playing a bit of WoW lately as well, and after the series of Thanksgiving inspired quests, I am now the proud owner of every single piece of freaking seasonal achievements, titles and rewards. The seasonal content in WoW is very fun to do in my opinion, and the new Pilgrim's Bounty, Day of the Dead and Pirate Day content were incredibly fun to run through.
Reviews, wow, reviews... lots of published stuff. I was honored to see my first personal review in ages, for Panzer General: Allied Assault, get a mention over at Bitmob.com last week in their recap, so big thanks to everyone there. If you haven't read it, it's up on various sites, including GameSpot.
As for GameRevolution, I have quite a few new ones, including:
Axel & Pixel (X360) -
Grand Theft Auto IV: The Ballad of Gay Tony -
Gran Turismo (PSP) -
LostWinds 2: Winter of the Melodias (Wii) -
NyxQuest: Kindred Spirits (Wii) -
Out of those, I have to say TBoGT was the funnest to play through. Great DLC, get it if you haven't already. I can mention a few of the reviews I got on the pipeline and the queue, like Tales of Monkey Island Chapter Three and Four, LittleBigPlanet PSP, Lucidity, Bit.Trup.VOID, Jak and Daxter Lost Frontier and TorchLight. The last is such a big game, it's taking a while to chip through. It will break soon enough, though, I only have to try out the other archetypes, as I've only been playing as the alchemist. Blame FullMetal on that...
In terms of work, I am putting the finishing touches on quite a few personal projects, even going back to the ol' Ecto-1 for a makeover in a real work location. Playing a big part in a friend's company as a modeler, and I might just be this close to landing a job actually teaching this stuff, who would've thought? Things have been moving along quite nicely, and I've been working like a mule, a mule with a tablet that is. So much tabletting has been taking its toll, though, my hands are starting to ache, so seriously, I might take a bit of a holiday this weekend and just finish reading Pratchett's Hogfather, just in time for Christmas - totally NOT planned at all. Coincidence. Pretty close to my 25th birthday as well, counting a month to go starting tomorrow. I do feel the years as I type this, remembering back to 1997 when I first got online on a crappy PC and now... going online on a crappy computer. The world sure turns!
Persian Frustrations
by edubuccaneer on Comments
Thanks to my friend Al, I was able to get Prince of Persia for the 360, and this weekend, I've managed to finish it.
It is quite simply, one of the most frustrating and infuriating games I have ever played. One hell of a disappointment. And to top it off, I bought the DLC when it was on sale a few weeks back, before actually getting the game... *sigh* so I have even more disappoints to suffer through with this heap, at least for a couple of hours from what I've read on that content. I'll have to write something about it eventually, but I can safely say it's my least favorite Prince of Persia game, even lower than Warrior Within. And yeah, I liked the Dreamcast one better than this, so... take that as you may. If I was the controller tossing type, can hell, I came close to doing so, I'd be out of controllers for just about every console I own.
Oh, if art alone made a game good. Not in this case.
Tired and cranky thoughts - I haz proto drake edition
by edubuccaneer on Comments
Hi all, I've been pretty busy lately, so sorry for the lack of posts. Also, kinda beat today so I'll skip the formalities and get to the nitty gritty.
In terms of gaming, I've managed to finish a few games these past months. On the 360, I darted through both Condemned games - I enjoyed them quite a lot. Not nearly as scary as they were hyped during their respective releases, but enjoyable nonetheless. Got almost all the achievements in Condemned 2: Bloodshot, even on multiplayer. Never aimed for that much of a completion percentage on that, but a few people needed help with online matches and I ended up getting the achievements myself in the process. Bloodshot's multiplayer is fun at first, but gets old fast, kinda shoe-horned into an otherwise great single player game. The forensic gimmick is really underplayed and downright arbitrary at points, on both of the games. Anyway, all in all, I had fun with both.
Still waiting on my copy of Red Faction Guerilla to arrive. Thanks to snail mail, it's taking more than a month to arrive. In the meantime, I picked up a copy of Halo Wars a couple of weeks back on the cheap, but haven't really played it much. Jumped back to Street Fighter IV for a whim during the weekend. I gotta be honest, hearing about Super Street Fighter IV had picked my interest in the series again, but sadly I'll only play that game late after release due to monetary and geographical limitations. On the other hand, Gamespot buddy celdweller is generously lending me his copy of Arkham Asylum for me to play through - hopefully that'll get here soonish. I was going to pre order Forza 3, but the nationally released copy of the game is getting shafted here in terms of the DLC, so I'll be skipping on it 'til I get a chance to play an U.S copy whenever that happens. Tried to get Dead Space on Games on Demand today but yep, got the numb end of the regional lock bat to the face. Argh, I hate that.
On the WoW front, yes, I still play that from time to time, I got a pretty cool ride to brag about - the violet proto drake. The special thing about this dragon is how it is acquired... through yearly events, like Halloween's cousin Hallow's Eve event or even Christmas. It all started late last year for me, when I finished all the Winter Veil achievement awards and hell, it ended on the first day of Hallow's Eve this year. It's a pretty sweet and fast mount, and it's funnily enough, the easiest of the proto drakes to earn, the others being two random loot drops, raid rewards and a rare spawn enemy that needs killing.
Yep, I was turned into a ninja for this picture - darn those trick or treaters!
(alternative link - http://i116.photobucket.com/albums/o37/edubuccaneer/WoWScrnShot_101809_120051.jpg)
Not sure how long I'll keep playing World of WarCraft, since I haven't been into a raid in quite a while, and my subscription is about to end. Maybe I'll hold off 'til Cataclysm, the new expansion?
Reviews! Been writing a bunch of them. The latest that got published are:
Contra Rebirth (Wii)
Left4Dead Crash Course DLC (PC/360)
Red Alert 3 Commander's Challenge (360)
Tales of Monkey Island Chapter 2: The Siege of Spinner Cay (Wii)
Zombie Apocalypse (PS3/360)
Soon to come - NyxQuest: Kindred Spirits (wii), LostWinds 2: Winter of Melodia (Wii), Tales of Monkey Island Chapter 3 (PC/Wii) and Axel & Pixel (360).
At the same event I bought Halo Wars, I had the chance to buy a whole lot of comics on sale, and will finally be reading up on Preacher. Already gone through Alex Moore's Swamp Thing - pretty good stuff. Got three volumes on Preacher, two on 100 Bullets and a few Slam Dunk mangas too!
Talk to you guys again soon!
Reminded to remember: Dreamcast's 10th Anniversary
by edubuccaneer on Comments
It's hard to believe, but today marks the 10th anniversary of the launch of the Dreamcast. I can't say it feels like yesterday, but man, it's a long time for sure.
I was finally able to nab one of the little plastic white boxes in late 1999, after having a chance to see it on different occasions. The game shown was always some sort of fighting game, but I knew there was much more to it. My new system came with Flag to Flag, the (now deceased) CART Championship Auto Racing Team game, Sonic Adventure and for some odd reason, Monaco Grand Prix. The first two were my choices, and the third, my father's. He thought he'd get into games again, so he got an F1 game for himself. His mistake. What an awful game to get back to - no official license, it pailed in comparison to Flag to Flag in just about every way. On the other hand, Flag to Flag was awesome, even though it was broken to no end in the fact that you could 'bump-win' your way through every race and take out literally the entire competition.
Anyway, before the Playstation 2, the Dreamcast really felt like a "new gen" console, a step above the then current crop of games. Graphics were a huge improvement from past systems, and for a while, it seemed like there wouldn't be a match to Dreamcast games in terms of presentation and feel. Even today, Dreamcast games look very good, specially when hooked up to a VGA monitor using the special adapter, and it's one of the few consoles that emulated almost flawlessly various arcade games.
I won't get into the history and the sad events of the Dreamcast's life, mainly because I'm just lazy to write about it, and since so many people will be doing the same, I'll leave it to all the other write ups about it. I'm here to remember it, hell, be reminded of it, since I still own my original system and it still works perfectly. The Dreamcast is the only video game I consider to collect games and items for. In 2003, after years of procrastination, I started my collection when I bought an original, nationally produced Shenmue game. Shamefully, up to that point, I had owned only a handful of legit games, with a bevy of burned copies I downloaded off the internet. But upon buying that Shenmue copy, something clicked, and since then, I've been building a healthy library of games and accessories. The rarest of the bunch are my Shenmue II European copy, which took lengths and lengths of effort to obtain and Garou: Mark of the Wolves that I bought while visiting New York last year. While both aren't exactly rare on other gaming system options, they are cool games to own on the Dreamcast for sure. Among the paraphernalia of items, I've managed to get one of the awesome arcade sticks from Sega, a Dreamcast keyboard, Seaman and even a mouse. Somehow, to me, the Dreamcast feels like something worth collecting and playing, even if it was killed off too early. I don't consider myself a collector, far from it, since I play every game I ever got for it and hardly keep them in shrines for 'mint condition'. My game collection has spread so far that it practically occupies an entire shelf in my room, among other assorted game crap there.
My shelf - sorry about the flash, it's a rainy day. Sorry for the mess, I'm just a lazy bastard. If you look at the bottom left corner, you can see the box in which my Dreamcast lives nowadays. The left-most column is my extremely slim Sega Saturn library. And yes, that's a James Bond VHS collection in the upper shelf.
It's worth mentioning how well the Dreamcast was supported in Brazil - TecToy, the local distributor, had a great line of games out for it, and to top it off, at reasonable prices. Unlike the current crop of games sold off at ridiculously overcharged prices, Dreamcast games were reasonable purchases, making it a good, current game system to own at the time. Sega had a great history with the Master System and Mega Drive in the past, supporting both way past their life cycle, to this day even, bundling both with built in games still found in stores, but it has been a bit different with the Dreamcast, as it's a rare find in stores, if at all. Either way, I'm thankful for the treatment it's been given, even going as far as owning a few of the nationally released titles like Vigilante 8 and Blue Stinger.
Am I sad about the history of Sega post Dreamcast? To be honest, no, not really. They had an incredible console in their hands, and messed it all up with the consumer. They took their main mascot and trounced it with awful games. But in that wake, they brought out a great little new series of games with Yakuza (Ryu Ga Gotoku), which to me is almost enough to clean their name.
What's important to remember today is not the series of mistakes Sega as a company made over the years, even though it's one hell of a laundry list, but how awesome the Dreamcast was and still, in a way, still really is. You doubt it? Look past its ridiculous name, and pop in a game or two, you won't regret it.


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iPad 2 VPN is the best armor against cybercrime. Your VPN will protect you online from hackers, identity thieves and cyber crooks. In addition, VPN is a magic wand to access all blocked content from every corner of the internet world. In other words, with an VPN a user can remain secure all the time while carrying out different activities online.There are various VPN for iPad 2 in the marketplace. It's always difficult for the user to identify the best option available. To help our valued readers in making their decision, we've already listed the top ten VPN for iPad 2. Moreover, we will also elaborate the dynamic characteristics of top three best VPN for iPad 2.
Let's Get it Started
Our opinion is entirely based on the key offerings of each VPN provider with respect to iPad 2. So, let's read for more details below and find out the top 3 VPN for iPad 2.
The best VPN service tested to work seamlessly with iPad 2 is IPVanish. It has a custom iOS VPN software so that you can easily configure and use it without fail.
IPVanish is spread across 47 countries. It has more than 130+ giga-byte servers with support for all major protocols like OpenVPN, PPTP and L2TP. Further, you can also set up IPVanish on other iOS devices like iPhone and Mac.
StrongVPN has been in the network and internet industry since 1994, their experience in US and European markets dates nearly 2 decades. Established bases in over 20 countries are supported by 500+ servers and a massive 30,000+ IP addresses.
Strong VPN offers a free to install application on Windows, Mac, Android and iOS. They have one of the widest ranging compatibility available on DDWRT-routers, Apple devices, android OS devices, HP web-OS, tomato USB, Symbian and numerous other devices and interfaces.
Offered with 256bit key data encryption and 2048bit certificate authentication, StrongVPN provides PPTP, SSTP, OpenVPN and L2TP security protocols over all devices. Logs are collected but no information is provided to third parties.
StrongVPN currently offer their 1 year subscription for a golden price making it very affordable for all segments of the VPN market. The service offers 24/7 tech support, a wide server network and a 7 day money back guarantee.
ibVPN has been highly reviewed and celebrated by its customers, with a very dedicated customer support available 24/7. Their network of 80+ servers, surpassing 30 countries and offers more than 2000 dynamic IPs for service excellence.
The free to install ibVPN software is compatible with Windows, Android, iOS and Mac OSx including support for DDWRT-routers and Linux platforms. 256bit key encryption makes it one of the safest VPN providers in the world with the added advantage of PPTP, SSTP, L2TP and OpenVPN protocols.
Those looking for fast video streaming can make use of ibDNS service dedicated for streaming websites. Torrent downloads are supported from 6 countries while proxy servers are made available from 5 locations for regions with VPN services blocked.
ibVPN is offered at an awesome budget price when subscribed for the 1 year plan which is inclusive of all their services including 2 simultaneous logins and a 15 days money back guarantee.
Wrap UP
With iPad 2 VPN, browsing, downloading, emailing, social networking and even watching different TV channels online is safer than ever. It's our prior responsibility to enlighten our readers with the best option when it comes to VPN selections. That is why we have pulled together a list of top ten iPad 2 VPN providers as well as rated them on the basis of their services. HMA and PureVPN are both good choices to pick out as iPad 2 VPN. So, don't waste time and get it straight away. %0
Latest posts by Raheel Umair (Posts)
- Speed versus Security – Finding the Fastest VPN Service for 2014 - March 4, 2014
- Best iPhone VPN Services For 2014 - January 14, 2014
- Get the best iPad 2 VPN and Make 2014 Even More Secure - January 13, 2014


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8 of us stayed here on a saturday night for my wife's birthday. We took all the rooms in the main house & thoroughly enjoyed our stay. The breakfast the following day was delicious & the perfect way to blow off the cobwebs from our night of celebration. Regina was friendly & a great cook. The grounds, building, cottage &... More
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If "Bridesmaids" was the female version of "The Hangover," then "The To Do List" could be considered the female version of "American Pie." You could also call it the female version of "Superbad," the raunchier version of "Easy A," or the 1990's version of "Sixteen Candles." No matter what you compare it to, "The To Do List" still stands out on its own as a funny, cute, and gleefully vulgar comedy. Much of this has to do with the film's star and first-time director/writer, both of whom we ought to be seeing more of in the future.
If "Bridesmaids" was the female version of "The Hangover," then "The To Do List" could be considered the female version of "American Pie." You could also call it the female version of "Superbad," the raunchier version of "Easy A," or the 1990s version of "Sixteen Candles."
Coming of age comedies are fraught with seemingly limitless pitfalls, necessitating a well-honed screenplay and persuasive performances to assure audience allegiance. So with consistently entertaining characters and infectious humor, writer-director Maggie Carey's "The To Do List" delivers well above expectations
This film publicity image released by CBS Films shows Aubrey Plaza as Brandy Klark, left, and Rachel Bilson as Amber Klark, in a scene from "The To Do List."
More comedy, more fantasy and more period pieces characterize the fall 2011 TV season, which introduces too many new shows that look better on paper than they play on TV.
The title is "New York, I Love You," and it's a collection of shorts intended as one big love letter to the city and all the romance it has to offer.
In this image released by Twentieth Century Fox, Hayden Christensen, left, and Rachel Bilson are shown in a scene from the film, "Jumper."
LOS ANGELES - "The O.C.," the once-hot teenage soap opera that saw its ratings plummet like a delinquent student's grades, has been canceled.
Cast members of the television show \"The O.C.,\" from left, Adam Brody, Mischa Barton, Benjamin McKenzie and Rachel Bilson appear as presenters in this Dec. 10, 2003 file photo during the Billboard Music Awards in Las Vegas.
LOS ANGELES - It was another down weekend at the box office, although moviegoers helped Sony Pictures and Dwayne "The Rock" Johnson score with the football flick "Gridiron Gang."
NEW YORK - The first thing women might want to put on their shopping list for fall is a pair of long leather gloves. They've emerged at New York Fashion Week as a surefire trend. And they're practical, too, considering many of the coats and sweaters on the runway have only 3/4-length sleeves.
LOS ANGELES - A story told by an old man proved popular with young people as the multigenerational love story "The Notebook" took eight categories Sunday at the 2005 Teen Choice Awards.
May 11, 2005
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Mi Philippines opens Pop-Up Store in SM Megamall on October 23-29
For those who are still having qualms about buying a Xiaomi device online, Mi Philippines will be having its first pop-up event from October 23-39 at the SM Megamall Upper G/F Building B (across Goldilocks). Get to try and buy the Mi 3, Redmi 1S and Xiaomi accessories and see what the fuss is all about. Follow Mi Philippine's...read more


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For individuals in charge of worksite health promotion, this book provides 84 ideas for programme activities, designed to boost participation and obtain results. It offers ideas in areas including fitness and family health. The book lists several applications for each idea presented.
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This hotel provides what I expected. The room space doesn't feel cramped, but we took the family room with 2 queen beds. The walking area is just enough for every corner of the bed, so relatively, if one checks in the single or 1 queen bedded bedroom, I wonder how it feels. The operator also made sure that the furnitures... More
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Wednesday, January 28, 2009
© Copyright 2014 Gwinnett Daily Post
localRome retires McCann's jersey, announces HOF induction Brian McCann may someday have his number retired by the Atlanta Braves. But already no one will wear No. 17 anymore with the Rome Braves. The catcher helped Rome win the 2003 South Atlantic League title in its first season and he will always be a hero in the northwest Georgia city. McCann was the first inductee into the Rome Braves Hometown Heroes Hall of Fame and it was also announced at the team's annual hot stove gathering that his number was being retired. Just a year out of Duluth High School, McCann batted .290 with 31 doubles, 12 homers and 71 RBIs as a 19-year-old with Rome in 2003 and was named to the SAL all-star team. Also on that Class A championship team were present Atlanta teammates Jeff Francoeur and Blaine Boyer. McCann has continued his heavy hitting in the majors, making the National League team for the All-Star Game three times and winning two Silver Slugger awards. Busch, Simpson win SpeedFest NASCAR driver Kyle Busch and Greg Simpson won the two Sunday races at SpeedFest, an auto racing kickoff event at Lanier National Speedway this past weekend. Busch won the 200-lap Champion Racing Association Super Late Model feature race over runner-up Jason Hogan and third-place finisher Johanna Long. Gwinnett native Casey Roderick, the race's fast qualifier and pole sitter, led the first half of the race before a transmission problem dropped him to his eventual finish at 26th. Simpson held off second-place Kyle Fowler and third-place Russell Fleeman for first place in the 100-lap Georgia Asphalt Series Pro Late Model event. national Bills sign Buford's P.K. Sam ORCHARD PARK, N.Y. - Free agent receiver P.K. Sam and center Marvin Philip signed with the Buffalo Bills on Tuesday. Sam, selected by New England in the fifth round of the 2004 draft out of Florida State, played two games with the Patriots as a rookie. The Buford grad played for the CFL Toronto Argonauts last season. He also spent time with Cincinnati, Miami and Oakland. Miami picks Whipple to run offense CORAL GABLES, Fla. - Mark Whipple was sitting last week in a film room at the Philadelphia Eagles' complex, watching tapes of three Miami games from this past season. He noticed many talented offensive players. Now, it's Whipple's job to make them winners. Whipple, who helped Ben Roethlisberger win his first Super Bowl and coached Massachusetts to a Division I-AA national title in 1998, was hired Tuesday as Miami's new offensive coordinator - returning to the college game after four seasons as an NFL assistant. He'll also be assistant head coach, something Miami coach Randy Shannon didn't have in either of the past two years. 'In one sense, my goal was to be a coordinator in the National Football League and a head coach,' Whipple said. 'But this opportunity came ... and my focus is really on trying to get the University of Miami to a national championship.' Friendly Casey retires after 12 years CINCINNATI - Chatty first baseman Sean Casey is retiring after a dozen major league seasons with five teams, headed for a second career that suits him as well. 'The Mayor' is hitting the airwaves. Casey announced his retirement Tuesday and his move to the fledgling MLB Network, a 24-hour channel launched this month to about 50 million homes. He'll be a studio analyst initially. The 34-year-old Casey came up with Cleveland and was traded to Cincinnati for pitcher Dave Burba a day before the Reds' 1998 opener, a surprising twist to start his career. Quickly, Casey became known for base hits and friendly banter - he chatted with runners at first base, respectfully referring to them as 'Mr.' 'Throughout my career, everyone was always interested in what I was talking about at first base and everything like that,' Casey said. 'Now people can see me talk on TV instead of wondering what I'm saying at first base.' Johnson to coach women's U.S. hockey in 2010 Games MILWAUKEE - Mark Johnson will coach the U.S. women's hockey team at the 2010 Vancouver Olympics. Johnson was selected Tuesday to continue as coach of the women's program he's led since replacing Ben Smith. Smith left after the U.S. women finished third at the Turin Olympics. Johnson is also the coach of the University of Wisconsin's women's team. He has taken the Badgers to the NCAA title game the last three seasons, winning in 2006 and 2007. He will take a leave of absence for the 2009-10 season to work with USA Hockey. Johnson played in eight world championships. He scored two goals in the Miracle on Ice victory over the Soviet Union for the 1980 U.S. team that won the gold medal. Patriots hire ex-Titans GM Reese FOXBOROUGH, Mass. - The New England Patriots have hired former Tennessee Titans general manager Floyd Reese as part of a restructuring of the team's front office. The team also announced Tuesday that Nick Caserio will manage the daily operations of the personnel department following the departure of vice president of player personnel Scott Pioli. Caserio became director of player personnel a year ago. Jimenez, Rockies agree to deal DENVER - Ubaldo Jimenez and the Colorado Rockies agreed Tuesday to a four-year contract that guarantees the right-hander $10 million. The deal contains club options for 2013 and 2014 that if exercised would raise its value to $22 million. - From staff, wire reports
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- Busch wins fourth Cup race at Dover ( June 2, 2008 )
- NASCAR: Kurt Busch gets rain-shortened victory ( June 30, 2008 )
- Earnhardt to address future ( June 13, 2007 )


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Portals and Rails, a blog sponsored by the Retail Payments Risk Forum of the Federal Reserve Bank of Atlanta, is intended to foster dialogue on emerging risks in retail payment systems and enhance collaborative efforts to improve risk detection and mitigation. We encourage your active participation in Portals and Rails and look forward to collaborating with you.
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November 17, 2014
Consumer Prepaid Protections May Be Catching Up with Prepaid Use
On November 13, the Consumer Financial Protection Bureau (CFPB) issued its much-anticipated notice of proposed rulemaking of consumer protections for the prepaid market. This proposed rule covers multiple facets related to the prepaid industry, including disclosure requirements, fraud protection, access to account information, and the provisioning of credit via overdraft. Today's blog will provide a brief, high-level summary of this rule.
What is and isn't covered under this rule?
This rule redefines a "prepaid account" under Regulation E (Reg E). Prepaid products include cards, codes, and other devices capable of being loaded with funds that are not currently covered by Reg E and are usable at multiple, unaffiliated merchants and ATMs, and for person-to-person transfers. Gift cards, and certain related cards, are excluded.
Disclosure requirements
The rule requires that card issuers use two forms to disclose fees. The short form discloses four types of fees: monthly account fees, cash reload fees, ATM transaction fees, and purchase transaction fees. The rule proposes the use of a model form that establishes a safe harbor for compliance to the short-form requirement. The long form describes all of the potential account fees and the conditions under which these fees are assessed, as well as the fees that short form includes. Both disclosures must be made available to the consumer before the opening of an account.
Fraud protection
The rule modifies Reg E to require that issuers adopt error resolution procedures and limited liability for prepaid accounts. Reg E coverage limits a prepaid consumer's liability for unauthorized transfers to $50, assuming that the consumer gives timely notice to the financial institution and the card has been registered. Further, financial institutions would be required to resolve certain errors to prepaid consumer accounts.
Access to account information
The rule also modifies Reg E to require that financial institutions provide prepaid account holders with free access to periodic statements or that they make available to the consumer the account balance and at least 18 months of account transaction history. These periodic statements and transaction histories must include a summary of monthly and annual fees in addition to a listing of all deposits and debits.
Overdraft protection
The rule allows for issuers of prepaid accounts to offer overdraft services and other credit features. However, issuers that offer these services or features for a fee are subject to Regulation Z (Reg Z) credit card rules and disclosure requirements which, among other things, requires them to evaluate whether consumers can repay their debt. The issuer is required to obtain a consumer's consent before adding these services to accounts and must provide consumers with a periodic statement of the credit and provide at least 21 days to repay the debt. Should a product offer overdraft or other credit features, it must be disclosed in the disclosures of the short and long forms.
The CFPB is seeking public comment for a 90-day period, beginning with its publication in the Federal Register.
By Douglas A. King, payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
November 17, 2014 in consumer protection, prepaid, regulations | Permalink
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October 27, 2014
ISO 20022 in the United States: What, When, Why, and How?
At the October 2014 Sibos conference in Boston, there was considerable discussion about the International Organization for Standardization (ISO) 20022 standard, which many major non-U.S. financial markets began moving toward a few years ago. ISO 20022 is a public international standard for financial sector global business messaging that facilitates the processing and exchange of financial information worldwide.
In Canada, adoption drivers include the use of domestic messaging standards in proprietary ways that created inefficiencies and the need for enhanced remittance data to add straight-through processing and automated reconciliation, according to a Canadian speaker at the conference. A speaker from Australia explained how the new real-time payment system that country is building will use ISO 20022, and one of the drivers is the desire for rich data to enable automation.
The United States is behind in the adoption curve, which raises the question, why? Several Sibos sessions included discussion of a study commissioned by an industry stakeholder group and conducted by the advisory firm KPMG. (The stakeholder group—which consists of representatives from the New York Fed, the Clearing House Payments Company, NACHA–The Electronic Payments Association, and the Accredited Standards Committee X9—formed to evaluate the business case of U.S. adoption of the ISO 20022 standard.)
KPMG interviewed participants of markets already moving toward adoption and found that adoption was largely driven by both infrastructure change, as in the Australian example, and regulatory requirements. In addition, many U.S. firms, beyond the large financial institutions and corporations, lack in-depth knowledge about ISO 20022. Two additional barriers in the United States are (1) the exact costs of ISO 20022 implementation are difficult to pinpoint, in part because they vary by participant, and (2) the country has no industry mandate for adopting the standard.
In one conference session, a speaker categorized some of the strategic reasons the United States should move forward, framing them in terms of the risks of nonadoption. These reasons include:
- Commercial reasons: The U.S. industry will have to bear the incremental costs of maintaining a payments system that does not integrate seamlessly with an emerging global standard.
- Competitive reasons: Many countries are experiencing such benefits of the ISO standard as increased efficiencies and rich data content, but U.S. corporations and financial institutions will fall farther behind.
- Policy reasons: The U.S. market will become increasingly idiosyncratic, with more payment transactions conducted in currencies other than the U.S. dollar.
Recommendations from the KPMG study include initiating adoption of the ISO 20022 standard in this country first for cross-border activity, starting with wires, and then ACH. The U.S. industry should then reassess domestic implementation.
Because communication is keenly important to overcoming the lack of knowledge of ISO 20022 in the U.S. market, the stakeholder group is currently focusing on educating affected groups about the key observations and findings of the KPMG study.
No particular timetable or course of action has been determined for U.S. adoption, which makes it the ideal time for industry input. What's your institution's perspective on the adoption of the ISO 20022 standard in the U.S. market?
By Deborah Shaw, a payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
October 27, 2014 in financial services, payments, regulations | Permalink
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September 22, 2014
New ACH Return Rate Threshold on the Horizon
In a December 2013 post, we asked the question, Is it the right time for lower ACH return rate thresholds? We can now say that the answer is "Yes." The voting membership of NACHA-The Electronic Payments Association recently approved a NACHA Operating Rule amendment that will reduce the unauthorized debit return rate threshold.
The process of returning payment transactions is a pain point for the receiving financial institutions that incur the costs of exception processing, which includes handling customer service inquiries and the returns. Unauthorized transactions are also a pain point for customers who have experienced such postings to their accounts. For the financial institution originating transactions on behalf of businesses and third-party customers, ongoing and proactive monitoring of return rates can help them quickly identify potential problems and determine if those problems have been addressed.
The NACHA Operating Rule amendment will reduce the threshold for returns of unauthorized debit entries from 1 percent to 0.5 percent, effective September 18, 2015. An originating depository financial institution will be subject to possible reporting and fines if they have an originator or third-party sender whose return rate for unauthorized debits exceeds the current threshold.
As NACHA states in its information on the new rule, this 0.5 percent threshold is more than 16 times higher than the average network return rate of 0.03 percent for unauthorized debit entries in 2013. This new threshold will continue to emphasize the importance of institutions focusing on high return rates and working with their customers to bring any excessive rates down. The amendment also establishes a review process for when returns for "administrative" or "overall return" reasons exceed certain levels. For administrative returns, this will be 3 percent, and for overall returns, it will be 15 percent. Administrative returns include debits returned for reasons such as closed account, invalid account number structure, or the account number not corresponding to an existing account. Overall returns for ACH debits include unauthorized and administrative reasons, as well as others such as insufficient funds and stop payments.
Unlike the unauthorized return threshold, breaching return rate levels for administrative and overall return reasons will not result in an automatic requirement to reduce the return rate or undergo a rules enforcement proceeding. Instead, exceeding these return rates will lead to a process to determine if the origination practices of a given originator or third-party sender need to be modified to achieve lower exception levels.
The timeframe for implementing this rule allows originating financial institutions to look carefully at their current return monitoring processes and determine whether customers are near these return rates and to put into place practices that would address problem areas. Will this new rule affect your due diligence processes? Does your current monitoring already show that your customers' return rates are lower than the new thresholds?
By Deborah Shaw, a payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
September 22, 2014 in ACH, debit cards, regulations | Permalink
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June 16, 2014
Banking on the Financial Institutions as Gatekeepers
With all the changes and new participants in the payment industry, financial institutions remain the participants in the best position to know their customers. They still play a central role in transactions, so laws, regulations, and rules view them as gatekeepers, best able to protect consumers from unauthorized payments and fraudulent business practices. This gatekeeper role has never been simple, but the increase in the number and type of businesses conducting transactions over the internet and mobile devices has added to its complexity and difficulty. Complicating the gatekeeper role further is the increasing number of intermediaries involved in the payments stream.
Over the years, regulators have issued guidance to institutions highlighting issues related to high-risk businesses and service providers. In the fourth quarter of 2013, both the Office of the Comptroller of the Currency and the Federal Reserve Board issued guidance on third-party risk management for financial institutions. The new guidance highlights the growing importance of managing relationships with payment participants and makes it clear that institutions have to focus on managing customer relationships, which starts at onboarding.
Regulatory pressure is one approach to keeping the payments system safe, and so is the pressure that law enforcement agencies put on financial institutions. A recent example includes the crackdown of the New York Department of Financial Services on unlawful payday lending practices.
Payments system rules are also effective in keeping financial institutions focused on indicators of the fraudulent use of a payment type. For instance, NACHA Operating Rules include a provision that says an institution is out of compliance if its businesses have a return rate for unauthorized transactions over 1 percent. (A previous post addressed proposed enhancements to the NACHA Operating Rules to address additional indicators of fraud.)
An even stronger type of pressure exerted on financial institutions is when an agency bans a payment type entirely or restricts its usage. For instance, the Federal Trade Commission issued a proposal last year to ban the use of remotely created checks by telemarketers. If a payment type is banned, the financial institution's role is to enforce the ban with its business clients.
The emphasis on the financial institution's gatekeeper role underscores the continued importance of protecting consumers from fraudulent payment practices. It also highlights the fact that this role is not an easy one and brings with it certain risks and costs.
June 16, 2014 in banks and banking, regulations, risk management | Permalink
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May 19, 2014
Choking on the Cost of Risk Management
In March 2013, the Department of Justice (DOJ), joined by the Federal Deposit Insurance Corporation (FDIC) and the Consumer Financial Protection Bureau (CFPB), quietly launched the program "Operation Choke Point." The program's objective is to cut off fraudsters' access to consumer bank accounts by restricting—or choking off—their access to the banking system. Normally the fraudsters would be the only ones complaining about officials trying to shut down their business, but this program is also creating new risk management challenges for the banking industry.
While critics of the program readily admit that criminal activities should be fully investigated and prosecuted, they contend that the program has imposed a wider, "chilling," effect on financial institutions and their third-party payment processors. A number of financial institutions have said that the operational, compliance, and risk costs associated with the increased scrutiny outweigh the benefits of such high-risk but legal business account relationships and can result in their termination.
The agencies defend their actions, stating that the "know-your-customer" and "know-your customer's customers" requirements have been in place for some time. They say they are targeting only processors and financial institutions that are blatantly exchanging these requirements for due diligence and compliance with the Bank Secrecy Act (BSA) for a sizable fee revenue opportunity.
By September 2013, the DOJ had issued 50 subpoenas to financial institutions and their processors citing the BSA's requirements for a financial institution to monitor the activities of its customers and its customer's customers for suspicious activity. In its first enforcement action of the program, in early 2014, the DOJ entered into an agreement with a holding company of a North Carolina community bank for $1.2 million in civil penalties and with certain restrictions with regards to its future processor relationships. The DOJ alleged that the holding company's management knowingly ignored numerous warning signs that some of its processing customers had clients engaged in illegal business practices, including internet-based payday lending, gambling, and even Ponzi schemes, all to generate large amounts of account service charges and fees. A U.S. District Court judge approved the agreement on April 25 this year. However, the bank didn't admit to anything in the DOJ complaint nor to any liability.
To help financial institutions better deal with the risk management requirements that Operation Choke Point highlights, a number of associations have developed materials or issued guidelines. An earlier Portals and Rails post discussed the reminders from NACHA on the know-your-customer's-customer rules and the proposed rules about return item limits that could potentially signal fraudulent or deceptive practices. The Electronic Transactions Association (ETA) has recently published a best-practices guide for processor relationship onboarding and continued oversight. This document, "Guidelines on Merchant and ISO Underwriting and Risk Monitoring," is available to ETA members only, but the organization has given us permission to make the guide's executive summary available.
Portals and Rails is interested in your thoughts on Operation Choke Point and the response by some banks, and we pose this question: Are banks properly pricing their services to the business that requires such intense risk management measures?
By David Lott, a retail payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
May 19, 2014 in banks and banking, law enforcement, regulations, risk management | Permalink
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May 12, 2014
The Art of Balancing Innovation and Regulation
Several factors have converged in recent years to add complexity to the regulatory oversight of retail payments. These elements include new regulation and oversight along with technology advances that have created new payment types. The challenge for regulators in an environment with an abundance of innovation is to align that innovation with appropriate regulation to ensure consumer protection, data security, and fraud mitigation, and to retain consumer confidence in payments.
The 2008 financial crisis led to an increased focus within the regulatory framework on retail payment risk factors. One new regulation was the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank). Dodd-Frank led to many changes—including the creation of a regulatory agency, the Consumer Financial Protection Bureau (CFPB), to focus exclusively on consumer protection. Since the CFPB was created, two of the payments types it has identified as deserving of its oversight are remittances and prepaid cards.
At the same time, evolving technology continues to change the nature of how consumers make payments—moving from the physical to the virtual—and has increased consumers' expectations for speed, control, information, and transparency. Options available for consumers to make payments and for businesses and financial institutions to participate in offering payment services have multiplied as Internet and mobile evolved, cloud-based solutions progressed, and virtual currencies expanded.
Technological advances have led to a retail payments system that is more transparent than ever before, in which all types of entities, from start-up companies to financial institutions, are able to innovate. Nonbank entities are flourishing in retail payments, challenging the historic role of financial institutions as primary payment participants by offering payments products and services in an ever-more complex payments landscape.
While some participants complain that there is too much regulation of payments practices, others call for more or different regulation when problems arise. Still others call for change because they believe the playing field is not level for all participants. Sometimes regulation can be a catalyst for innovation by legitimizing a payments practice after clarifying requirements for all participants. Whatever your perspective, it is a complex undertaking to attain the delicate balance between innovation and oversight.
By Deborah Shaw, a payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
May 12, 2014 in innovation, mobile payments, regulations, regulators | Permalink
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April 28, 2014
Is Personal Data Privacy Going, Going, Gone?
Since last December, it seems that not a week has gone by without a headline about another breach of consumers' payment or personal data. These articles—which are no longer limited to banking or IT industry publications—have created both weariness and concern among consumers. The market research firm GfK conducted a national survey of U.S. consumers in March 2014 to measure the impact of these breaches and better understand how consumers view and manage their personal data. They surveyed 1,000 individuals over the age of 18 and sorted the results by generation. Some of the findings I found most interesting were:
- All generations are concerned about the protection of their personal data and, overall, 59 percent indicated that their concern has risen over the last 12 months.
- One-third of the survey participants indicated that they had been the victim of the misuse of their personal data at least once over the past year.
- Over half (54 percent) of those surveyed don't believe the U.S. government is doing enough to protect their data, with two-thirds of the pre-boomers taking that position.
- Overall, 80 percent of the respondents believe there should be additional regulations preventing organizations from reselling their personal data to third parties.
- There is a strong demand from consumers for all consumer-facing industries to change their data privacy and personal data usage policies, but that demand is the highest for credit card companies and social networks.
- Banks are in the top four trusted organizations regarding the protection of personal data but trailing health care organizations, online payment systems, and online retailers. Social networks, international businesses, and marketers and advertisers are the least trusted.
- Although more than half of the participants do not agree with the tracking or recording of communication data without their permission, younger generations are not as concerned.
So how are consumers behaving in light of this increased concern? Almost half (48 percent) indicated that they have changed their online practices and are avoiding the use of online auctions, online banking, and online social networks to reduce the likelihood that their personal data might be compromised or misused in some way. I have seen other research indicating that as much as 40 percent of a retailer's customers that have had their personal data compromised through a breach at that retailer will avoid that retailer, at least in the immediate term.
So what is the best approach to develop and maintain safeguards for consumer's personal information and transaction data? The private sector has always championed self-regulation through standards efforts such as PCI-DSS, but we all recognize that being compliant with a common minimum standard is not the same as being totally secure. There has been no shortage of recent congressional discussion on this issue, and future major breaches will likely add to the momentum such that it will be difficult to stop. Is that where you think we are headed—a regulatory fix coming from a legislative mandate? Let us hear from you.
By David Lott, a retail payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
April 28, 2014 in consumer fraud, consumer protection, data security, regulations | Permalink
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The Target breach, in which 110 million Americans lost critical personal and financial data, is just the latest problem caused by extending legacy payment networks built in the 1960s to internet originated payments.
In the classic New Yorker cartoon, one dog says to the other, "On the Internet, nobody knows you're a dog." Until we solve this problem, the legacy payment networks cannot be made secure. They were not architected with security built into them to do what we are doing today by extending them to payments generated from the internet. The security of any network is only as good as its weakest node. By moving access to the legacy payment systems to the internet, we added tens of millions of nodes to each legacy payment system and most of those nodes are not securely authenticated or truly secure.
A next generation payment system is required that is architected with security and encryption of all data "end to end", with no data ever "in the clear" and in which all users are "strongly authenticated". It is less expensive by orders of magnitude to build a new next generation payment system that can do that, than to retrofit one of the existing legacy payment systems, as I was once told by the former global CIO of VISA International. The existing legacy payment systems are all designed to have required information "in the clear" at multiple points in the transaction cycle.
The rapid rise of Bitcoin, despite its significant flaws, highlights the hunger in the marketplace for a better and more secure internet based global payment system. It would be better if that next generation payment system was also bank-centric and properly regulated, none of which Bitcoin is.
FYI, the New Yorker cartoon was first published in 1994, so this problem has been building for over 20 years.
Posted by:
Stephen Lange Ranzini |
April 28, 2014 at 05:31 PM
January 06, 2014
When It Comes to RCCs, Can We Make the Invisible Visible?
In May 2013, the Federal Trade Commission (FTC) issued a proposal for public comment to amend the telemarketing sales rule to prohibit telemarketers from using certain payment types, including remotely created checks (RCCs). The proposal addressed attributes of RCCs that make their use susceptible to abuse. RCCs, sometimes referred to as demand drafts, are checks that payees issue rather than the consumer or the consumer's bank, and are not signed by the consumer. The attributes the proposal addresses include the difficulty of distinguishing RCCs from check images, the absence of reliable data on the volume of RCCs and returns, and the lack of centralized fraud monitoring. Together, these attributes make RCCs relatively invisible.
RCCs usually garner attention only when a law enforcement case uncovers their use in fraud, typically when consumers are victimized by unfair and deceptive practices. Still, RCCs are not just a tool for committing fraud—they are used for legitimate purposes and are frequently authorized by consumers as payments for credit cards, charitable donations, and insurance premiums. At times, banks originate the RCCs themselves or on behalf of the payee, so in these instances, the bank monitors returns, identifies issues, and manages them.
In other payment methods, including ACH transactions and cards, the ability to recognize the payment, track volume and returns, and monitor fraud centrally have proven to be beneficial in addressing fraud. For example, ACH operators have data on forward entries and returns for ACH transactions that enable ACH participants to identify and address issues proactively. Adding these layers of data to enable identification and monitoring of RCCs would prove equally beneficial to the depository and paying banks, as well as regulators and law enforcement to potentially identify and address RCC fraud more directly.
How can the industry improve the identification and tracking of RCCs? One option could be to develop some kind of technology that would distinguish between RCCs and check images with a high degree of accuracy. Another option could be to approve a standard for an identifier in the MICR (short for magnetic ink character recognition) line to indicate that this document is an RCC.
Some industry participants have pursued the MICR line identifier in the past, but these efforts did not gain traction within the industry. However, it may be an idea whose time has come given the concerns that regulators and law enforcement officials are raising about the "invisibility" of RCCs. A MICR line identifier would also allow for centralized fraud monitoring. For instance, depository banks could report periodically to their primary regulator on RCC returns. This reporting would provide information to regulators and law enforcement on possible fraud and support banks in their efforts to mitigate improper RCC usage.
Does your institution see value in making RCCs visible in the processing stream and quantifying their use?
By Deborah Shaw, a payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
January 6, 2014 in fraud, regulations, remotely created checks | Permalink
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Another consideration for financial institutions is the liability difference for electronic RCC vs. 'traditional' RCC. eRCC are never printed therefore not allowing the Federal Reserve to provide Check 21 warranties. This method puts all of the liability on the Bank of First Deposit. Normal liability is incurred for the traditional RCC.
Posted by:
Brad Smith |
January 06, 2014 at 03:40 PM
December 16, 2013
Is It the Right Time for Lower ACH Return Rate Thresholds?
Monitoring return rates for automated clearing house (ACH) transactions is an important element of a bank's risk mitigation program for its business and third-party clients. Recently, NACHA issued a request for comment (RFC) that addresses proposed changes to return rate thresholds included in the NACHA Operating Rules.
The NACHA Operating Rules currently identify a return rate threshold for unauthorized debit entries of 1 percent. The threshold is intended to reduce unauthorized entries transmitted over the ACH network. The NACHA Operating Rules hold an originating depository financial institution (ODFI) that has an originator or third-party sender with an unauthorized return rate over 1 percent subject to ODFI reporting and possible fines if the rate of returns is not reduced in a timely fashion.
According to the RFC, the unauthorized debit return rate declined due to several risk management efforts—including the 1 percent threshold, established in 2008—from 0.06 percent in 2005 to 0.03 percent in 2012. These reduced numbers demonstrate that the monitoring of return rates by banks and other network participants helps to identify issues and leads to fewer problematic transactions.
This RFC proposes three changes to how the NACHA Operating Rules currently address return rate thresholds.
- A reduction in the return rate threshold for unauthorized debit entries from 1 percent to 0.5 percent.
- Establishment of a return rate threshold for data quality debit entries (such as invalid account number) of 3 percent.
- Implementation of an overall debit return rate threshold of 15 percent.
NACHA had issued an RFC in spring 2011 that proposed changes similar to the first two listed items, but ACH participants did not provide sufficient support then and the changes were not implemented. It seems that the time may now be right. The RFC indicates that the environment for this proposal appears to have changed, with ACH participants expressing interest in looking at new thresholds. And the proposal for an overall debit return threshold stresses the need for banks to focus on their overall return rates in addition to specific return reasons.
Regardless of which thresholds are included in the NACHA Operating Rules, banks should monitor for any increase in returns. They should also understand the underlying cause and remedies that their business or processor customers are implementing. A bank focus on return issues is one element of a robust risk management program that helps to ensure the bank's origination of high-quality payment transactions.
With this proposal on return rate thresholds, is your institution rethinking its internal policies for return rate monitoring?
By Deborah Shaw, a retail payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
December 16, 2013 in ACH, banks and banking, regulations | Permalink
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December 09, 2013
What Do Crayons and Virtual Currencies Have in Common?
Coloring with my young boys the other day, I was a bit amazed by the variety in colors. The days of a single blue crayon from my childhood has now expanded to at least 10 different shades of blue with names such as "Pacific blue" and "cerulean." I quickly learned that my regulation of the usage of crayons by the boys also varied by color. For example, the lone black crayon required ample regulation (and was quite challenging to enforce) to prevent an all-out toddler brawl. Because the blue crayons had such variety, they clearly required less and were much easier to enforce.
Just as crayons come in a variety of colors and shades, virtual currencies have a variety of different attributes, including:
- Open or closed: Closed virtual currencies can be used only within a specific community. Open virtual currencies can be used anywhere the currency is accepted.
- Unidirectional or bidirectional: Unidirectional flow allows the currency to be obtained at a specific exchange rate using fiat currency. This currency cannot be exchanged back to the fiat currency. Bidirectional currencies are bought and sold according to exchange rates.
- Centralized or decentralized: A centralized currency has a central authority that issues the currency and operates the system. A decentralized currency does not have a single entity acting as a central issuer or clearing house.
- Asset backed or demand backed: An asset-backed currency is tied to an asset or assets held in reserve while a demand-backed currency has no tangible value other than the value established by its market.
- Machine-based or human-based: Monetary policy of machine-based currencies, or crypto-currencies, is managed by computers. A central authority establishes monetary policy with human-based currencies.
The regulation of my children's crayon usage differed depending on the particular crayon being used. In that case, it was a matter of scarcity, so the analogy isn't perfect—but it will also be imperative for the regulation of virtual currencies and their enforcement to differ according to the characteristics of the various currencies. Undoubtedly, a decentralized, demand-backed currency not only poses different risks than a centralized asset-backed currency does but it may also include a unique set of participants not part of other virtual currency schemes.
Most of the regulatory discussion currently taking place is focused squarely on a particular virtual currency. And while this particular currency has an enormous market share of the virtual currency market, there are at least 50 other virtual currencies in the marketplace. If I had regulated the blue crayons in a similar way as the black crayon, my children would likely have left their coloring books and moved on to the train table.
I fear that should regulations be developed based on a single virtual currency and then applied to the market at large, the regulations could drive away the innovators in the virtual currency space that may hold long-term promise if they promote a faster, more secure, and more efficient payment system.
By Douglas A. King, payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
December 9, 2013 in currency, regulations | Permalink
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While I'm not well versed in virtual currencies, your point about regulations being based on one market mover and then applied to the rest of the industry is interesting. In general, I think most financial regulation is applied in this manner since it serves as a simplifying assumption and since regulation is generally reactive rather than proactive. My guess would be that the other virtual currencies will continue to innovate around whatever regulation is issued. However, I understand that some may exit the industry altogether if that regulation is too stifling.
Posted by:
Saba H |
December 13, 2013 at 07:47 AM
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On the next episode of DOWNTON ABBEY's Season 3 on PBS, Lady Sybil goes into labor and struggles with the idea of giving up her and her husband Tom's wish of having their baby christened in Ireland rather than at Downton. Luckily for Sybil, Mary steps in and attempts to make her little sister's dream come true. The episode airs Sunday, January 27th at 9 p.m. ET/PTon PBS. Get a sneak peek below!
Written and created by Julian Fellowes, the series won an impressive six Primetime Emmy Awards and a Golden Globe in its first season. Recent honors for Season 2 include multi-category nominations from the Critics' Choice Awards and from the Television Critics Association.
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Book your room at Condos At The Ridge
Standard RoomMax Occupancy: 2 guests (up to 1 child, 1 infant)
SuiteMax Occupancy: 4 guests (up to 3 children, 3 infants)
Apartment, 2 BedroomsMax Occupancy: 6 guests (up to 5 children, 2 infants)
Condo in Ocho Rios near Turtle Beach
When you stay at Condos At The Ridge in Ocho Rios, you'll be near the beach and minutes from Ocho Rios Craft Park and Turtle Beach.
This condo is within close proximity of Turtle River Park and Taj Mahal Mall.
Make yourself at home in one of the 15 air-conditioned rooms featuring LCD televisions. Complimentary wireless Internet access keeps you connected, and digital programming is available for your entertainment. Conveniences include safes and coffee/tea makers, as well as phones with free international calls.
Don't miss out on the many recreational opportunities, including outdoor tennis courts, an outdoor pool, and a spa tub. Additional features include complimentary wireless Internet access, concierge services, and babysitting/childcare.
Grab a bite to eat at the condo's restaurant, which features a bar, or stay in and take advantage of room service (during limited hours). Relax with your favorite drink at a bar/lounge or a swim-up bar. Full breakfasts are available daily for a fee.
Featured amenities include express check-in and a 24-hour front desk. A roundtrip airport shuttle is provided for a surcharge (available on request).Information missing or incorrect? Tell us!
At your hotel
At your hotel
In addition to an outdoor pool, Condos At The Ridge provides outdoor tennis courts and a spa tub. The condo offers a restaurant. Guests can unwind with a drink at one of the condo's bars, which include a swim-up bar and a bar/lounge. Public areas are equipped with complimentary high-speed wireless Internet access.
This Ocho Rios condo also offers a terrace, tour/ticket assistance, and a garden. For a surcharge, a roundtrip airport shuttle (available on request) is offered to guests.
Condos At The Ridge has designated areas for smoking.
- 24-hour front desk
- Airport transportation (surcharge)
- Total number of rooms - 15
- Babysitting or childcare
- Bar/lounge
- Breakfast available (surcharge)
- Concierge services
- Express check-in
- Designated smoking areas
- Tours/ticket assistance
- Free Wi-Fi
- Garden
- Terrace
- Porter/bellhop
- Restaurant
- Tennis on site
- Outdoor tennis courts 2
- Pool sun loungers
- Spa tub
- Outdoor pool
- Swim-up bar
- Wedding services
Stay connected
Available in all rooms: Free Wi-Fi
Available in some public areas: Free Wi-Fi
In your room
- Premium TV channels
- Air conditioning
- Phone
- Free local calls
- Free international calls
- Coffee/tea maker
- Private bathroom
- In-room massage available
- Hair dryer (on request)
- Iron/ironing board
- In-room safe
- Digital TV service
- Free Wi-Fi
- Room service (limited hours)
- Cribs/infant beds (complimentary)
Eat and drink
Full breakfasts are available for a surcharge and are served each morning between 7 AM and 10 AM.
Aqua Blue - This restaurant specializes in regional cuisine and serves breakfast, lunch, and dinner. Guests can enjoy drinks at the bar.
Room service (during limited hours) is available.
An outdoor pool and a spa tub are on site. Other recreational amenities include outdoor tennis courts.
The recreational activities listed below are available either on site or nearby; fees may apply.
- Kayaking nearby
- Scuba diving nearby
- Hiking/biking trails nearby
- Parasailing nearby
- Safari nearby
- Ziplining nearby
- Massages
The fine print for Condos At The Ridge
When you arrive
Check-in time starts at 4 PM
Check-in time ends at 11:30 PM
Minimum check-in age is 18
When you leave
Check-out time is noon
How you can pay
Accepted at this hotel: Discover, MasterCard, Visa
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
No elevators
No pets or service animals allowed
- City/local tax: USD 2.0
We should mention
This property offers transfers from the airport (surcharges may apply). Guests must contact the property with arrival details before travel, using the contact information on the booking confirmation. Reservations are required for massage services. Reservations can be made by contacting the condo prior to arrival, using the contact information on the booking confirmation. Only registered guests are allowed in the guestrooms. No pets and no service animals are allowed at this property.