Simon Bank

  • 【文稿】学会这些词,出国也敢去银行

    · Round Table 圆桌议事

    Xiaohua: Hello! And welcome to round table’s word of the week. This week we are talking about some banking related terms. Cause you know everyone needs the bank, but not everyone knows some of the terms are you use we you go to one. John: Yeah. It is true. If only we didn’t all need to use the bank, but as Xiaohua said we’ll be looking at, if you’re going abroad, and in particular if you’re going to the US and you have to deposit a check or maybe make a withdrawal, well, you wanna take a listen real quick. So first of all, if you go to a bank and you want to get money out of your account, you would go up to the teller, so it’s the person who is working behind the desk and say, “I would like to make a withdrawal.”Xiaohua: 当去银行要提款的时候就要说这句话了,另外teller就是银行的柜员。John: Then the teller might ask you how would you like the money. That basically means what types of notes and how many notes do you want for that withdrawal. Xiaohua: How would you like the money 可不是说你想要什么样的钱,而是说你想要什么面值的钞票。John: Right. It’s not do you want that in RMB or do you want that in US dollars. No. Do you want that in tens, fives or twenties, fifties (Xiaohua: Exactly.) or in one hundreds? But don’t ask for one hundreds, because very few stores actually accept that. And then looking at if you want to put money in, you can say I would like to make a deposit, so you are depositing money. You can also say, for example, maybe you have your check from work. And you can say to the teller I would like to deposit this check. Xiaohua: 需要存钱的话就说make a deposit。另外check支票也是在英美国家经常用的,所以你有可能想要把某一张支票存入帐户。这时候就说deposit this check. John: Yeah. Deposit this check. You can say, I’d like to, you know, you can deposit cash. You can deposit a check or whatever form of payment you have. Let’s say that you’ve never been to that bank before. And you want to open a bank account. Well, that’s very simple. You just say I would like to open a bank account. Xiaohua: 在银行开户就是open a bank account.John: And you know, of course, life is not as simple or as easy as we would like it to be. Sometimes maybe you’ll lose your ATM card or you’ll lose your credit card. So you can call their service number or you can go to the bank and you can report a lost credit card or a stolen credit card. Xiaohua: 如果丢了银行卡或者是信用卡要挂失的时候就要说report a lost credit card or a stolen credit card. John: And here’s a pretty important difference. In banks there are many different types of accounts, as I’m sure you are already aware. But we are gonna look at some of the more broader categories. So in general, there are two types of accounts. One is a checking account and the other is a savings account. A checking account is an account that has very very low interest that you are making payments into and making withdrawals on a regular basis. Whereas the savings account has a slightly higher interest rate, and it is expected that there will not be very much activity on that account. Xiaohua: 下面来介绍一下经常会用到的几种帐户的名字。 Checking account 是支票帐户又是活期帐户的意思。而savings account指的是储蓄帐户或者是有一定利息的定期存款账户。John: Now let’s move away from these dry and slightly boring words and phrases and take a look at some bank related idioms. First, on the books is “break the bank”. Buying a new pair of shoes at a discount price won’t break the bank. Xiaohua: 下面我们来看一下一些跟银行有关的习语吧。Break the bank 可不是什么抢劫银行的意思,而是说你的钱都花光了。John: Right. And then “bank on something”. Man I am so reliable, of course you can bank on me. Xiaohua: Bank on something是信赖某事,信赖某人。John: Then of course “you can take that to the bank” or take it to the bank. Our US president Barack Obama is very famous for saying that in one of his election campaign speeches, making a promise and he says you can take that to the bank. And of course, what I am telling you is the truth. You can take it to the bank. Xiaohua: Take it to the bank 是说我打包票我说的都是真的,你可以去求证的意思。据说奥巴马也非常喜欢用这个词。And that’s all we have for this week’s word of the week. John: Bye Bye.

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  • 01:58:41

    Autour de Paul Simon (1/2)

    · Easy tempo

    durée : 01:58:41 - Easy tempo - par : Laurent Valero, Thierry Jousse - ## Programmation musicale**♫ Paul Simon** _« I am a rock » (Paul Simon)_ Extrait de l’album The Paul Simon Songbook (1965) CBS 88691912922JK1**♫ Paul Simon** _« April come she will » (Paul Simon)_ Extrait de l’album The Paul Simon Songbook (1965) CBS 88691912922JK1{% image f859a3ff-7ec6-46e9-8d0d-b9ddc04b2538 %}**♫ Davy Graham et Holly Gwinn\-Graham** _« Flowers nerver bend with the rainfall »_ Extrait de l’album The holly kaleidoscope (1970) LES COUSINS 0006{% image 11c5415f-d67e-49ad-aebb-f2046cc866e3 %}**♫ Simon and Garfunkel** _“The times they are a changin’” (Bob Dylan)_ Extrait de l’album Wensday morning 3 am (1964) CBS 63370{% image 8fe54298-a798-4e06-9d63-eaae0a80ad64 %}**♫ Bob Dylan** _“The boxer” (Paul Simon)_ Extrait de l’album Self Portrait (1970) COLUMBIA 4670772{% image b6a92a3e-6349-4e50-a541-64ef3bd8589e %}**♫ Emmylou Harris** _“The boxer” (Paul Simon)_ Extrait de l’album Roses in the snow (1980) RINHOCEROS 8122\-78140\-2{% image 84c33986-0e82-4f43-b864-ea95e6c61911 %}**♫ Pat Metheny 42 string guitare** _« The sound of silence » (Paul Simon)_ Extrait de l’album What’s it all about (2011) NONESUCH 7559\-79647\-0{% image f4b1938a-c1d3-4ffa-b2f1-fd9dfea1f9a5 %}**♫ Antoine Bareil et Christian violons avec Valérie Milot harpe, Marjolaine Goulet cor et Dominique Girard contrebasse** _« Scarborough fair » (Trad)_ Extrait de l’album Hommage à Paul Simon et Art Garfunkel (2011) ANALEKTA 2 9883{% image 1e09f68d-8e88-4ae0-91e9-51060f7fcfcd %}**♫ Paul Desmond saxophone alto avec un orchestre arrangé et dirigé par Don Sebesky** _« Old Friends » et « Cecilia » (Paul Simon)_ Extrait de l’album Bridge over troubled water (1970) VERVE 3032{% image 6582e011-1d88-436b-a124-59002eb27b60 %}**♫ Joe Dassin** _« Cecilia » (Pierre Delanoë / Paul Simon)_ Extrait de l’intégrale Joe Dassin SONY 520522\-2/2{% image 3140cc40-33cb-47c9-8bb1-534a5614685a %}**♫ Marie Laforêt** _« La voix du silence » (Pierre Saka / Paul Simon)_ Extrait de la compilation La Voix du silence DISQUES AZ 107672{% image 28f53707-4b50-4219-b0b8-288a7f2e25fb %}**♫ Laurent Voulzy en duo avec Alain Souchon** _« The 59th street bridge song (Feelin’ groovy)_ Extrait de l’album La septième vague (2006) ARIOLA 82876862512{% image 487ec5f3-90ce-4721-bc13-61a858afb0f3 %}**♫ Harpers bizarre** _« The 59th street bridge song” (Feelin’ groovy)_ Extrait de l’anthologie The complete singles collection (1965/70) NOW SOUNDS 55{% image 0f62620b-9fbd-4cac-bab6-72d0460cafe0 %}**♫ Roberta Flack** _“Bridge over troubled water” (Paul Simon)_ Extrait de l’album Quiet fire (1971) ATLANTIC 1594\-2{% image adfde46f-135c-4d81-b238-14b3184b35da %}**♫ Booker T and the MG’s** _“Mrs Robinson” (Paul Simon)_ Extrait de l’album The Booker T set (1972) STAX 248531\-2{% image 8f7fa288-e28a-4479-8df7-0be9fda617e9 %}**♫ Billy Paul** _« Mrs Robinson » (Paul Simon)_ Extrait de l’album Ebony woman ASSORTED MUSIC{% image 35eefdce-6993-4493-bad8-d7d7a6a56268 %}**♫ Bill Evans piano avec Toot Thielemans harmonica, Marc Johnson contrebasse et Elliot Zygmunt batterie** _« I do it for your love » (Paul Simon)_ Extrait de l’album “Affinity” (1979) WARNER BROS 927387\-2{% image 20677183-6f89-4bcc-8f0f-98e10716579f %}**♫ Roland Brival chant avec Rémy Dercormeille piano, Manu Marchès contrebasse et Julien Charlet batterie** _« I do it for your love » (Paul Simon)_ Extrait de l’album Circonstances aggravantes (2014) SUCH PRODUCTION 008{% image a5ecdf3a-063d-41d4-aaa1-5e80749c0e11 %}**♫ Le Bang Bang Stefanie Bolz chant et Sven Faller contrebasse** _“Fifty ways to leave your lover” (Paul Simon)_ Extrait de l’album Bang Bang GLM MUSIC 545\-2{% image 9318d10a-d59d-42c3-bc3c-51ff28efb88d %}**♫ Swingle Singers** _“Fifty ways to leave your lover” (Paul Simon)_ Arrgts Ward Swingle (1976) SONY MUSIC 0886975524624{% image 5e86a60f-fbc9-478c-96b7-8b4dedc0b2fc %}**♫ New York Voices** _« Still Crazy after all these years » (Paul Simon)_ Arrgts Gil Goldstein Extrait de l’album New\-York voices sings the song of Paul Simon (1998) RCA / VICTOR 09026 68872 2{% image 30d848a4-b62e-4376-b827-32db7747833b %}**♫ Paul Simon** _« Tenderness » (Paul Simon)_ Extrait de l’album There goes rhymin Simon (1973) Arrgts Allen Toussaint WARNER BROS 925589{% image 4c06e915-ce02-4b10-9773-5ef4c01d47b7 %}**♫ Allen Toussaint** _« American tune » (Paul Simon)_ Extrait de l’album American tunes (2016) NONESUCH 075597946677{% image 27b72f25-4fe6-4ff9-981a-d787b50b4231 %}**♫ Merry Clayton** _“Bridge over troubled water” (Paul Simon)_ Extrait de l’album Gimme Shelter (1970) REPERTOIRE 5176{% image d700f42d-062c-4e3a-b18f-2ef926d16e86 %} - réalisé par : Bruno Riou-Maillard

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  • 00:32:32

    June 2011

    · Aprende ingles con inglespodcast de La Mansión del Inglés-Learn English Free

    Aprender ingles gratis con La Mansion del Ingles. Un podcast para mejorar la gramatica, el vocabulario y la pronunciacion del inglés. Una leccion del ingles con ejemplos y ejercicios. Learn English free with podcasts from La Mansion del Ingles. Improve your grammar, vocabulary and pronunciation. This English lesson contains examples and exercises. Hello everyone! How are you? It’s good to be with you again, and thank you for downloading this Mansión Inglés podcast, recorded for June 2011. Este mes en el nivel básico, hemos practicado algunas colocaciones con los verbos. Escucha y repítelas. I live in a flat – Espera, ¿Cuantas palabras hay en esta frase? Escucha – I live in a flat. – Pues hay cinco palabras. I - live – in - a - flat. Nota como se juntan las palabras liveina – liveina- Repite: Liveina – I live in a flat. I work in an office ¿Cuantas palabras hay? Escucha I work in an office – Aquí hay cinco palabras y se juntan cuatro palabras workinanoffice. Repite: workinanoffice – I work in an office. I work in an office - I have children. Repite: I have two children – I have three children. I have one child. I study economics repite: I study economics. I study law . Law – derrecho – I study medicine – medicina - I study medicine. I speak French – I drive a Mazda  - I read e-books – I sometimes read e-books. - I like animals – I go to the cinema – I watch television – I listen to music. No olivides la preposición ‘to’ con el verbo ‘listen’ – listen to music. Repite: Listen to music. I like listening to music. I like listening to rap music. I like listening to hip hop. También en el cuaderno mensual habían frases para traducir. Escucha a las frases en español, e intenta traducirlas al inglés antes que yo. Ready? ¿Listos? María no habla alemán. - María doesn’t speak German. ¿Le gusta su trabajo a Peter? - Does Peter like his job? Leo gana mucho dinero. - Leo earns a lot of money. ¿Que hace la hermana de Dave? - What does Dave’s sister do? - What does Dave’s sister do? Su hija (de ella) ve la tele en la cama. - Her daughter watches TV in bed. Mike lleva gafas. - Mike wears glasses. ¿Cuantos años tiene la abuela de Debbie? - How old is Debbie’s grandmother? - How old is Debbie’s grandmother? Simon es el hermano de Andrew. - Simon is Andrew’s brother. Lo siento, no tengo la dirección del correo electrónico de Suzi. - I’m sorry, I don’t have Suzi’s email address. - I’m sorry, I don’t have Suzi’s email address. ¿Como están sus (de ella) padres? - How are her parents? - How are her parents? ¿Donde trabaja el marido de Sandra? - Where does Sandra’s husband work? Su tio (de el) no esta casado. - His uncle isn’t married. - His uncle isn’t married. La gente en Inglaterra comen muchas patatas fritas. - English people eat a lot of chips. ¡Muy bien! Very good! In the intermediate section of this month’s cuaderno, we practiced clothes vocabulary. I’m going to describe some clothes and you say the item of clothing I’m describing. Ready? Here we go. You wear these on your feet when you do sport, go running, or want to dress casual – trainers Ok, this clothing accessory is worn around your waist and stops your trousers from falling down – belt You wear this in the winter on top of clothes to keep you warm when you go outside – coat Men wear this to look smart, especially if they work in an office or have a formal job. The jacket and trousers are the same colour – suit This accessory is worn around the neck in winter – scarf These are blue trousers, originally worn by cowboys and made from denim – jeans You wear these on your feet to go out in the street – shoes Underwear that you also wear on your feet but under your shoes – socks You wear these in the summer, when it’s hot and you do sport, because it’s uncomfortable to wear long trousers – shorts You wear these in bed. They usually match, which means the top part is the same as the bottom part – pyjamas Next, worn by ladies, this is an item of clothing that can be short in the summer, long in the winter and elegant for special occasions – dress You bear these on your feet when you play football on grass, sometimes when you ride a motorbike or do heavy construction work. Ladies wear these ‘high shoes’ in the winter – boots Often worn by sportsman, this comfortable item of clothing has trousers and a jacket. The Spanish word is chándal – tracksuit This is winter wear for the top half of your body. It should keep you warm and is often worn over a shirt or a T-shirt. Other names for this are jumper and pullover – sweater Moving on to intermediate grammar and the wonderfully exciting subject of gerunds and infinitives! Aren’t they awful? How do you know? How do you know whether to use a gerund after the verb agree or an infinitive? How do you know if the verb surprise is followed by to see or seeing? Well, I’m afraid you just have to study each individual verb and learn which group it belongs to. There’s no easy way. The verb agree. I agree, he agrees etc. Agree is followed by the infinitive. Repeat: I agreed to see him. They have agreed to let us do the presentation. She agreed to give me a lift. The expression to be happy is also followed by an infinitive. Repeat: I was happy to see you finished the project. I’ll be happy to discuss it tomorrow. We’re very happy to be invited. I’m happy to help you. The gerund is used after prepositions. For example, the verb to arrest – detener - is often followed by the preposition FOR. He was arrested for stealing. Repeat: He was arrested for stealing. He was arrested for hitting his neighbour. She’ll be arrested for not paying her taxes. When to be used to has the meaning estar acostumbrado/a, the verb following it is a gerund. For example,  I’m not used to getting up early at the weekend. Repeat: I’m not used to getting up early. She’s used to working long hours. He’s used to paying for everything. Surprise is followed by the infinitive. He was surprised to discover that he’d passed his final exams. I was surprised to get the job. Repeat - I was surprised to get the job. She was surprised to see me. He’ll be surprised to hear the news. The expression to be worth – W-O-R-T-H – to be worth + a gerund means vale la pena. It’s worth doing – vale la pena hacerlo. It might be worth taking the DVD player to be repaired. Is it worth getting a new one? Repeat: Is it worth getting a new one? It’s worth phoning the shop. It’s worth asking them. Do you think it’s worth trying? One thing that it is worth doing is going to mansioningles.com and practicing more gerunds and infinitives. You can find them in the intermediate course and also in the grammar section. If you want to study our courses and material without connecting to the Internet, you can buy a complete CD of La Mansión del Inglés for 24 Euros. Go to mansioningles.com and click on the CD icon on the right side of the homepage. Food and eating out was the topic of our advanced section of this month’s newsletter. Listen to the descriptions of some food vocabulary and try to say the word before I do. Ready? A sauce added to a salad is a ….. dressing Another word for a main dish is ….an entrée A small dish at the start of a meal is ….an appetizer also sometimes called a starter or a first course. Remember that we speak about courses in English and not plates. A plate is the thing you put the food on. So primer plato is the first course, Segundo plato – second course etc. We had a three-course meal, a four-course meal. And we say that Paella is a typical Spanish dish, not plate. Lasagne is an Italian dish. If you like your steak cooked just a little, or poco hecho in Spanish, you ask for it to it to be…..rare – R-A-R-E. I don’t like to see a lot of blood on my meat so I ask for it to be cooked a little more than rare, which is… medium rare. There’s still some blood but not too much. Cook it a bit more and you get to… medium. Sometimes I like my steak medium. Some people don’t like to see any blood at all so they ask for it to be bien hecho or….well done. I know that there may be different words in Argentina, Mexico and other Spanish–speaking countries, but I think you get the idea. So what do you call layers of alcohol-soaked sponge cake with fruit, custard and whipped cream? It’s …trifle. I don’t like trifle very much, but my dad does, and when I was growing up my mum made a trifle nearly every week. I got sick of it! A small herb, like an onion, that is often added to potatoes, - in Spanish cebollinos -  is called …..chives. Chives are great mixed in with mash potatoes, by the way. And if you add sausages you get a tasty Irish dish. A kind of soup usually containing fish and vegetables is called….chowder – C-H-O-W-D-E-R - sopa de pescado. Clam chouder es crema de almejas. All this talk of food is making me hungry, and it’s nearly  time for dinner. So, moving quickly on the next part of the advanced section where we practiced some food idioms. Take what he says with a pinch of salt, means he may not be telling the truth. Be careful he’s probably lying. Take everything he says with a pinch of salt. If you are full of beans, estas lleno de vida. Beans could be frijoles, alubias, judías, habas - green beans are judías verdes - but to be full of beans means you have a lot of energy and you are very lively. Your daughter’s full of beans today. Where does she get her energy from? Ok, how do you say Eres la niña de mis ojos in English? You are the apple of my eye. Repeat: The apple of my eye. Or, as Stevie Wonder said, “You are the sunshine of my life”. The expression as warm as toast, obviously means very warm – like toast! You’re feet are as warm as toast. Your hands are as warm as toast. As you know, the English tend to put butter on their bread and not olive oil, but if you know which side your bread is buttered, you’re careful not to upset people who you know can help you, you don’t act in ways that would lose you other people's approval, or lose you an advantage. Hmmm…Pepe’s just got another promotion. He get’s on very well with everyone at work. He knows which side his bread’s buttered. What do you say in Spanish when someone is taking your photo? We say “cheese” because if you say cheese you’re smiling. “Come on, give us a nice big smile, say cheese!” “If you pay peanuts you get monkeys” You should give people the salary they deserve. To pay someone peanuts – cacahuetes – means to pay them very little. - Don’t take that job, you’ll be working for peanuts. We say something is selling like hot cakes if it’s selling very well. In some countries, you say que se vende como pan caliente, o como churros, o como rosquillas. The new Apple iPhone is selling like hot cakes. If people are like two peas in a pod they are very similar. You can tell immediately that they’re brothers. They’re like two peas in a pod. They’re two of a kind. They’re so alike. And to be as cool as a cucumber means to be clam and unruffled – in Spanish, sereno – He took the penalty and scored to win the championship. I really don’t know how he stayed as cool as a cucumber under all that pressure. Something is a recipe for disaster if it's going to cause trouble or serious problems. Asking your mother to stay with us for a week is a recipe for disaster. Smoking, drinking, eating badly and not exercising is a recipe for disaster. And finally, if something is your cup of tea, it pleases you or makes you happy. This expression is more commonly used in the negative. I’m sorry, but rollerblading is not really my cup of tea. Can’t we go shopping instead? In the Business English section this month, we looked at some works using in banking. I’ll read the definitions to you and try to say the words before I do. The difference between credits and debits in a bank account is…the balance The money paid to a bank for the bank's services etc are called…bank charges The local office of a bank (in Spanish: surcursal) is called ….a branch. Repeat: Where’s your nearest branch? A type of bank account from which money may be taken at any time, and which usually pays low or no interest is called a current account (in the UK) and a checking account (in the US). What’s the opposite of credit? The opposite of credit is…..debit – with a ‘d’. Debit is a noun and a verb. You have a debit in your account of 500 Euros. We need to debit your account for the amount of 80 Euros. A bank account which pays you interest on your money is called a… a deposit account (in the UK) and a savings account (in the US) Mansion Business is our complete business course in CD Rom. Mansion Business es un completo y moderno Curso de Inglés Comercial con material relacionada con el mundo de la empresa y los negocios. Mansion Business contains business expressions and vocabulary, listenings and dialogues, reading texts and business functions like making presentations, speaking in meetings, describing market trends and lots more. There are 4 review tests to maximise learning, and over 120 hours of lesson time. The course level is intermediate to upper intermediate, and you can buy this CD only from La Mansión del Inglés for 34 euros plus postage. So, if you need English for Business, you need Mansion Business. To order your CD, go to mansioningles.com, click on the CDs icon on the right side of the home page. Allí puedes ver todo el contenido del CD y bajar la primera lección gratis para probar sin compromiso. Money lent to you by a bank that must be repaid with interest – in Spanish un préstamo – is called ….a loan – L-O-A-N – a loan. Deficit in a bank account caused by taking out more money than is paid in (in Spanish: descubierto or sobregiro) is….an overdraft - an overdraft. The expression to put money into a bank account is to….make a deposit or simply to deposit money into an account. Excuse me, I’d like to make a deposit of 200 Euros. I’d like to deposit 200 Euros. You can also use the phrasal verb to pay in. Can I pay this into my account, please? I’d like to pay in some money. The opposite of to make a deposit is to make a withdrawal or to withdraw money. To take money out of an account – to withdraw money. I’d like to make a withdrawal. If you give an instruction to a bank to make regular payments to a company or a person (in Spanish: domiciliar, orden permanente de pago) it’s called …..a standing order, in English. It’s common to pay your rent by standing order and your telephone, gas and electric bills also. And finally, if you need to see a record of transactions in your bank account, in Spanish you ask for un extracto de cuenta. In English, you ask for…a statement. A bank statement. Well, that’s it for this week. Thanks to all of you for listening. If you want to contact us, you can find us on Facebook. Just search Facebook for La Mansión del Inglés and join our growing community of nearly 13,000 fans. Or send an email to mansionteachers@yahoo.es. And you can also follow us on Twitter. Our Twitter name is MansionTwit. You can sign up for our cuaderno mensual and see all the previous newsletters and podcasts by clicking on the link on the Mansion Ingles home page. Until next month then, take care and keep practising English! Bye! Puedes ver el cuaderno mensual de junio aquí.  Puedes ver todos los cuadernos anteriores aquí. Puedes recibir gratis nuestro Cuaderno mensual de Inglés aquí.  The music in this month’s podcast was by Revolution Void, the album was The Politics of Desire and the track was Outer Orbit.    

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  • 00:43:09

    Episode 120: Katie J.M. Baker

    · Longform

    Katie J.M. Baker is a reporter for BuzzFeed. “I went to Steubenville a year after the sexual assault to cover their first big football game of the season and I was face-to-face with these people who I had been writing about without knowing much about them. From far away it seems like, do these details matter? Do we care if these people’s lives get messed up when the narrative is so strong, when Steubenville now stands for more awareness around rape culture? But when you’re there, of course it matters. After that piece I realized I didn’t want to blog anymore and I wanted to just focus on reporting.” Thanks to Casper, Scribd, and TinyLetter for sponsoring this week's episode. Show Notes: @katiejmbaker katiejmbaker.com Baker on Longform [4:00] "Forever Young" (BuzzFeed • Sep 2014) [13:00] "In West Virginia, Playing Hooky Can Get You Locked Up" (BuzzFeed • Oct 2014) [20:00] "Supervisor Wants Motive Spelled Out at S.F.'s Antiabortion Clinics" (San Francisco Chronicle • Jun 2011) [20:00] "Teacher Leaves Elite LA School After Alleged Student Affair, Inappropriate Relationships" (BuzzFeed • Jul 2014) [21:00] "Head Of Elite L.A. School Resigns After Sex Misconduct Scandal" (BuzzFeed • Nov 2014) [22:00] "My Weekend In America's So-Called 'Rape Capital'" (Jezebel • May 2012) [24:00] "Even The Most Progressive University In North America Doesn’t Know How To Handle Sexual Consent" (BuzzFeed • Jun 2014) [26:00] "Rape Victims Don’t Trust The Fixers Colleges Hire To Help Them" (BuzzFeed • Apr 2014) [28:00] "Meet the College Women Who Are Starting a Revolution Against Campus Sexual Assault" (Vanessa Grigoriadis • New York • Sep 2014) [30:00] "Rape Case Unfolds on Web and Splits City" (Juliet Macur and Nate Schweber • The New York Times • Dec 2012) [30:00] "Steubenville's Legacy: How a Rape Case in Ohio Could Change History" (Jezebel • Jan 2013) [31:00] "'A Town Destroyed for What Two People Did': Dispatch from Steubenville" (Jezebel • Sep 2013) [32:00] "Why Is No One Talking About the Second Steubenville Rape Case?" (Newsweek • Nov 2013) [33:00] "The Accused" (BuzzFeed • Nov 2014) [42:00] "The Fort of Young Saplings" (Vanessa Veselka • The Atavist • Nov 2014)

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  • 00:36:14

    DILEMMA 2 - Tommie Haglund och Ernst Simon Glaser.

    · Tollans musikaliska

    Vad händer om en symfoniorkester väljer en annan solist än den cellist tonsättaren vill ha för konserter och skivinspelningar? Möt tonsättaren Tommie Haglund och solocellisten Ernst Simon Glaser. Haglund och Glaser är två av personerna i ett triangeldrama, där även en annan solocellist figurerar. Den förste solocellisten, en mycket nära vän, som från början inspirerade Tommie Haglund till att komponera cellokonserten Flaminis Aura.Tonsättaren Tommie Haglund fick en förfrågan från Göteborgs Symfoniorkester, som ville spela in Flaminis Aura med sin egen solocellist, Ernst Simon Glaser. Tommie Haglund ville dock ha sin vän, den förste solocellisten. Orkestern ändrade inte sitt krav och efter ett års betänketid sade Tommie Haglund slutligen ja till orkesterns solocellist, till konserter och skivinspelning. Om Tommie Haglunds cellokonsert skriver musikskribenten Tony Lundman: det är ofta utifrån de små cellernas suckar och vridande rörelser han kan bygga upp en klangligt och orkestralt svällande massverkan. Tony Lundman fortsätter: Haglund är på sätt och vis en romantiker, men musiken saknar fåfänga och den befinner sig långt bortom nyromantikernas kyliga tillämpning av effekter". Författaren Erik Wallrup har talat om hur Haglunds musik stämmer sina lyssnare, som man stämmer ett instrument. Förutom att Tommie Haglund har en stark relation till de musiker som spelat och spelat in hans musik så har mycket musik som Tommie Haglund tonsatt genom åren en starkt personlig bakgrund. Cellokonserten Flaminis Aura är inget undantag. Den är baserad på minnen från hans barndom då han, under en sjukhusvistelse i ett och ett halvt år, på nätterna lekte med de knaster och de störningar som han fick fram genom att vrida på ratten på radions AM-band. Många år senare, efter en misslyckad ryggoperation blev Tommie Haglund än en gång fjättrad vid sängen. Han var förlamad från midjan och neråt och kunde inte gå. I sängen skrev han cellokonserten efter en beställning. Han mindes barndomens drömmar om att det fanns ljud i rymden och fick kontakt med NASA som, med hjälp av Voyager-satelliten, tagit upp vad man sa var ljud från solvindar och elektromagnetiska vågor. NASA hade processat ljudet genom datorer för att få det att låta som det skulle gjort om det hade funnits syre i rymden. Tommie Haglund fick lov att använda det här s k rymdljudet och det är inkomponerat i cellokonserten Flaminis Aura. Genom att en ny solocellist och en ny symfoniorkester spelade hans konsert upptäckte tonsättaren Tommie Haglund nya sidor i sitt verk. Men det var smärtsamt att överlämna solopartierna till en annan cellist. Det handlar om kärlek, förklarar Tommie Haglund. Kärlek till konsten och kärleken till de man älskar och respekterar, bl a musikerna. Det är musikerna som uppfyller ens drömmar och som ser till att ens musik får liv och kan ta plats. Samtidigt skriver jag musik för att den skall nå ut till lyssnarna. Tommie Haglunds hemsida: http://tommiehaglund.weebly.com Tommie Haglund, Gehrmans Musikförlag: http://www.gehrmans.se/upphovsman/tommie_haglund Solocellisten Ernst Simon Glaser berättar i programmet hur han upplevde sin position som den cellist som tonsättaren från början var tveksam till. Jag trodde att det fanns förväntningar på hur musiken skulle låta. Men jag kunde inte spela på det sättet. När jag sedan mötte Tommie Haglund var han helt öppen för min egen tolkning, naturligtvis, säger Ernst Simon Glaser. Jag känner ödmjukhet för Tommie och för den förste solisten och har stor respekt för det som de skapat tillsammans. Det är ett dilemma för en kompositör som önskar en speciell solist. Det är kanske även ett dilemma för en dirigent som vill ha en egen solist. Men dilemmat är störst för den solist som blir ratad. Jag förstår att han är sårad, det hade jag också varit, förklarar Ernst Simon Glaser. Musik är en personlig konstform där vi har starka och subjektiva åsikter. Det är svårt att göra musik till något objektivt. Ernst Simon Glaser anser att det är en styrka för en orkester att använda sina egna solister, vilka blir tryggare och bättre, medan orkestern blir tänd och stödjande. Man visar hänsyn och känner ansvar för varandra och för att alla skall må bra, både personligt och jobbmässigt. Ernst Simon Glasers far, violinisten Ernst Glaser, var mångårig konsertmästare i Oslofilharmonien tills han, vid nazisternas ockupation under andra världskriget tvingades på flykt till Sverige. Ernst Simon Glasers hemsida: http://www.ernstsimonglaser.com Ernst Simon Glaser, Dextra Musica: http://sparebankstiftelsen.no/en/Dextra-Musica/Musicians/Ernst-Simon-Glaser Musiklista:Röstens dotter Tommie Haglund Markus Leoson slagverk. Joachim Gustafsson, dirigent Hymns to the Night Phono Suecia PSCD CD 184 Flaminis Aura Tommie Haglund Ernst Simon Glaser, cello. Göteborgs Symfoniorkester. David Afkham, dirigent SR P2 Liveinspelning Flaminis Aura Tommie Haglund Ernst Simon Glaser, cello. Göteborgs Symfoniorkester. David Afkham, dirigent SR P2 Liveinspelning Flaminis Aura Tommie Haglund Ernst Simon Glaser, cello. Göteborgs Symfoniorkester. David Afkham, dirigent SR P2 Liveinspelning Fantasiestücke, Op. 73 Robert Schumann Ernst Simon Glaser Liv Glaser Schubert & Shumann SIMAX classics PSC 1175 Flaminis Aura Tommie Haglund Ernst Simon Glaser, cello. Göteborgs Symfoniorkester. David Afkham, dirigent SR P2 Liveinspelning Flaminis Aura Tommie Haglund Ernst Simon Glaser, cello. Göteborgs Symfoniorkester. David Afkham, dirigent SR P2 Liveinspelning Flaminis Aura Tommie Haglund Ernst Simon Glaser, cello. Göteborgs Symfoniorkester. David Afkham, dirigen SR P2 Liveinspelning Flaminis Aura Tommie Haglund Ernst Simon Glaser, cello. Göteborgs Symfoniorkester. David Afkham, dirigent SR P2 Liveinspelning Flaminis Aura Tommie Haglund Ernst Simon Glaser, cello. Göteborgs Symfoniorkester. David Afkham, dirigent SR P2 Liveinspelning Flaminis Aura Tommie Haglund Ernst Simon Glaser, cello. Göteborgs Symfoniorkester. David Afkham, dirigent SR P2 Liveinspelning

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  • 00:39:36

    044: Google Wallet: the babystep into Bitcoin

    · Sovereign Man

    July 14, 2015 Yangon, BurmaWhen I first came to Burma (Myanmar) several years ago, there was scarcely an ATM to be found anywhere.It was primitive. And frustrating.After all, most people coming from the West tend to think their banking system is robust and highly advanced.And that’s true to a degree. Internet banking and ATMs are certainly nice modern conveniences.But if we go back in time and look at traditional banking as far back as the Middle Ages, there’s actually very little about the industry that has changed.It’s all still quite primitive.Centuries ago, banks would receive deposits from their customers. And in exchange, they would issue a receipt, or ‘bank note’. Pretty simple.Whoever had possession of the bank note was entitled to withdraw that money from the bank. So naturally those notes eventually became a form of currency.If you owed a debt to someone, and presuming s/he had confidence in the bank, you could settle your debt with the bank note instead of actual money.Banks did the same thing with one another, using a series of notes and credit letters to trade, transact, and settle debts with one another.And out of this system grew a vast, complex network of interbank credit.In a typical deal between two banks, for example, there would often be no actual money changing hands.Instead, they would merely make an entry in their books indicating that one bank owed money to the other.So instead of passing around cash or gold, banks would settle deals with accounting entries and promises to pay.Today the practice is almost identical, it just happens electronically instead of on paper.Central bank balances are credited in favor of one bank or another, but there’s still no money that changes hands.Again, ATMs and Internet Banking are modern conveniences. But they have done nothing to truly disrupt the centuries-old banking model.That is now changing. Quickly.Tech companies are starting to figure out how to make every traditional banking function faster, cheaper, and better, all while eliminating the middle man.Companies like Revolut, Transferwise, and Dwolla, for example, are online money transfer services that can send funds cheaper and faster than banks.KlickEx is a currency service that provides a peer-to-peer market for foreign exchange, eliminating the need to use a bank.Countless crowdfunding platforms exist to obtain startup capital for a new businesses. So no one needs to go to the bank with hat in hand anymore.And there’s a multitude of peer-to-peer lending platforms where you can borrow money for just about anything-- from a home mortgage to a new car, all without a bank.Companies like Square and Stripe are rapidly taking over credit card processing, yet another industry that used to be dominated by banks.And even the most basic practice of taking deposits is now on tech companies’ radars.Google revamped ‘Wallet’ service, for example, allows consumers to effectively park their savings with Google instead of a bank.So rather than holding your cash at some illiquid, poorly capitalized bank, consumers can choose one of the most profitable companies in the history of the world to be their direct financial counterparty.Now, I’m not suggesting you rush out and do this; I’m merely pointing out that this is a rather large nail in the coffin of the financial industry.Deposits. Lending. Funds transfers. Credit Card Processing. Foreign Exchange... can all be done now better, faster, and cheaper outside of the banking system.This isn’t some wild conspiracy theory. This is a fact; all of these tools ALREADY exist. It’s just a question of how quickly they’ll be adopted.And if you look at the last great trends in consumer technology (the Internet, smart phones, etc.) the time frame was ten years or less to achieve global scale.Banks’ days are numbered. And in a decade’s time,

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  • 01:09:21

    Ep. 268. News: It’s raining money in Durham

    · Fintech Insider by 11:FS

    In this episode We have a whole host of hosts as David, Jason, Simon and Aden are joined by Mariano Belinky and Jamie Campbell for the news. This week in a European-led section of the show the team discuss Swedish giant Klarna getting it’s official banking licence to begin delivering financial services, Spain’s first fully digital bank, European “robo advice”, and the European Central Bank demanding declaration of all cyber security breaches. It’s raining money in Durham as Atom gets a further £30 million investment from the government, and why did Will.i.am became an advisor to Atom – and does it work? Additionally, they also take on the Barclays execs’ fraud charges during the financial crisis in 2008, ahead of their hearing next week; and an equally political story on the other side of the pond: Elizabeth Warren’s attempts to remove 12 Wells Fargo board members. Finally, the guys also discuss whether PayPal are right to dismiss the Apple Pay challenge; and the impact of two thirds of the world’s population now having mobile phone access and what does that mean for digital innovation? Guests Mariano Belinky – Managing Partner at Santander InnoVentures Jamie Campbell – Head of Awareness at Bud News this week  Techcrunch – Klarna gets a full banking license, gears up to go beyond financing payments – Link Techcrunch – Monese adds Direct Debits to become even more like a regular bank account – Link Banking Tech – Spain’s first fully digital bank Openbank in major transformation – Link Bloomberg – Barclays and Four Former Execs Charged Over Qatar Probe – Link CNBC – Sen. Elizabeth Warren calls for removal of 12 Wells Fargo board members – Link  Business Insider – BlackRock gets into European ‘robo advice’ as it leads €30 million investment in Scalable Capital – Link Business Insider – Atom Bank gets £30 million from the government as Philip Hammond pledges investment boost – Lin Tech City News – Will.i.am reveals why he became an advisor to UK FinTech startup Atom Bank – Link The Telegraph – PayPal chief dismisses Apple Pay challenge – Link City AM – Banks to be forced to reveal all cyber security breaches to the European Central Bank – Link NFC World – Swedish commuters validate tickets using NFC microchips implanted in their hands – Link Daily Fintech – International Regtech Association Launch and IBM Watson announce Regtech Apps – Link Venture Beat – 5 billion people now have a mobile phone connection – Link The post Ep. 268. News: It’s raining money in Durham appeared first on 11:FS.

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  • 00:42:12

    Een politiek oogje dichtknijpen bij bank Monte dei Paschi ; Paul Buitink en Han de Jong

    · Café Weltschmerz

    Een politiek oogje dichtknijpen bij de redding van de bank Monte dei Paschi di Siena. Zuur voor de Italianen om de eerste bank in moeilijkheden onder een zwaar Europees resolutieregime te stellen.Han de Jong is hoofdeconoom van de ABN-AMRO. Paul Buitink spreekt met hem over de Europese bankenunie. De bankenunie werd tijdens de crisis van 2008 opgericht om de grote verschillen tussen de Europese banken te normaliseren om stabiliteit van het geldstelsel binnen Europa te creëren. Er moest eenheid komen tussen de banken in regels en maar ook in toezicht. De Europese Bankenunie kreeg het toezicht over de Europese banken, wat voordien door de Nationale banken werd uitgevoerd. De Europese Bankenunie wordt aangestuurd door de ECB in Frankfurt. De Unie heeft drie pijlers waarop haar taken zijn berust: het toezicht op de Europese banken, het resolutiemechanisme en het depositogarantiestelsel.De Jong plaatst kanttekeningen bij de werking van het bail-in regiem in het resolutiestelsel. Bij de eerste testcase van het resolutiestelsel ging het al mis. De problemen bij de Italiaanse bank Monte dei Paschi di Siena werden om politieke redenen buiten het resolutiestelsel opgelost. Opnieuw werd een bank met publieke middelen overeind gehouden door de ECB en de Italiaanse staat. De Jong vraagt zich af of het resolutiemechanisme stelsel überhaupt wel kan werken. Als een individuele bank in de problemen komt kan het systeem wellicht haar werk doen, maar bij een systeemcrisis is het volgens hem contraproductief. De risico's op besmettingsverschijnselen zijn dan groot en kunnen veel banken gaan raken.De Jong vindt overigens niet dat de problemen bij de bank Monte dei Paschi di Siena als een systeemcrisis gezien kunnen worden. De oplossingen voor die bank buiten het resolutiestelsel werden politiek gedreven. De Jong stelt dat het zuur was voor de Italianen. Niet eerder was het nodig een Italiaanse bank te redden, terwijl in heel Europa banken met collectieve middelen overeind gehouden werden. Zuur is het dan om de eerste bank in moeilijkheden onder een zwaar resolutieregiem te stellen. Om die reden werd het politieke besluit genomen een oogje dicht te knijpen bij de redding van de bank Monte dei Paschi di Siena.website:http://www.cafeweltschmerz.nl/een-politiek-oogje-dichtknijpen-bij-bank-monte-dei-paschi-paul-buitink-en-han-de-jongHelp Café Weltschmerz en onze toekomst. Adopteer een aflevering of ondersteun ons met een donatie: http://www.cafeweltschmerz.nl/doneer

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  • 01:15:20

    Ep103 – Blockchain, Blockchain, Blockchain

    · Fintech Insider by 11:FS

    1) BT fault hits broadband users and banks http://www.bbc.co.uk/news/technology-36844712 2) Pokemon Go’s McDonald’s Partnership Points To A Promising Business Model http://www.forbes.com/sites/parmyolson/2016/07/20/pokemon-go-mcdonalds-japan-nintendo-revenue/#3e0f226160d5 3) Apple Pay says bonjour to France and nei ho to Hong Kong http://www.cnet.com/news/apple-pay-says-bonjour-to-france/ 4) Oaknorth : first challenger bank to use Facebook at Work http://www.bankingtech.com/536972/oaknorth-first-challenger-bank-to-adopt-facebook-at-work/?utm_source=rss&utm_medium=rss&utm_campaign=oaknorth-first-challenger-bank-to-adopt-facebook-at-work 5) Silicon Valley billionaire Peter Thiel is doubling down on a German fintech startup http://uk.businessinsider.com/silicon-valley-billionaire-peter-thiel-increases-investment-in-germanys-deposit-solutions-2016-7 6) Google’s DeepMind trains AI to cut its energy bills by 40% http://www.wired.co.uk/article/google-deepmind-data-centres-efficiency 7) Santander’s fintech VC firm got another $100 million to invest http://uk.businessinsider.com/santander-innoventures-mariano-belinkey-new-fund-brexit-fintech-2016-7 8) A huge US bank is ignoring Brexit warning signs and is buying a new £300 million London HQ http://uk.businessinsider.com/wells-fargo-buys-new-london-office-despite-brexit-2016-7 9) Central Bank Digital Currencies Could Boost GDP, Bank of England Says http://www.coindesk.com/central-bank-digital-currencies-boost-gdp-bank-england-says/ 10) UK Legislators Cast Critical Eye on Bitcoin and Blockchain at Parliament Event http://www.coindesk.com/committee-talks-blockchains-government-ethics-house-lords-hearing/ We hoped you liked Episode 3 – Subscribe and follow @obussmann) Marcus Treacher (@marcus_treacher) who is the Global Head of Strategic Accounts at @Ripple and we also chat through the news with Oscar Willams Grut (@OscarWGrut) who is the FinTech reporter for Business Insider. We hoped you like Episode 3 – Follow us and tell us what you think of the show @FinTechInsiders and keep letting us know what you think. The post Ep103 – Blockchain, Blockchain, Blockchain. appeared first on 11FS. The post Ep103 – Blockchain, Blockchain, Blockchain appeared first on 11:FS.

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  • 00:59:56

    Ep. 274. News: Digitising Pocket Money

    · Fintech Insider by 11:FS

    In this episode David and Simon are joined by regular Sarah Kocianski, and RFi and Sky News Australia’s Chloe James, who makes her Fintech Insider  debut, for this week’s news. First up, they discuss the pros and cons of “screen-scraping” – do banks only want open banking on their terms and to pick and choose the bits of it they want?; is it right that challengers only get one representative at the Open Banking Initiative- and is Atom really a challenger bank?;  and is a CIO title unnecessary?  You can’t innovate in a silo, it needs to go company wide, nor can one person or department “own” innovation, that only creates turf wars. There are also strong views on the ‘culture of harassment’ for women in tech as reported by the New York Times and how sad it is that this culture already permeates an industry that’s so young. The necessity of speaking up to shatter unconscious bias in the industry is paramount. They also take on Danske Bank’s pocket money app to allow parents the ability to digitise pocket money for their children and have an online overview of what they do with it – could this be a key to improved financial education for children? The team also reflect on the ‘changing of the guard’ at Tesco Bank as their CEO steps down after 10 years; on MBank putting themselves forward as a template for others as they licence their tech platform, and on Tide’s $14M raise from the same backers as Spotify – can they now live up to their hype of being the “Monzo of business”? Guests Sarah Kocianski, Senior Research Analyst Fintech at Business Insider UK Chloe James – Group Media Director – RFi Group & Presenter at Sky News Australia News this week Finextra – EBA rejects Commission amendments on screen scraping under PSD2 – Link Open Banking – Atom Bank CEO Joins Open Banking Initiative As Challenger Bank Representative – Link Finextra – HSBC hires Diana Biggs to lead business model innovation – Link Bloomberg – Tesco Bank Says Chief Executive Higgins to Retire Next Year – Link Techcrunch – Curve now lets you ‘go back in time’ and switch the card you paid with retroactively – Link FinTech Insider News –  Poland’s mBank to license tech platform to third party financial institutions – Link FinTech Insider News – Danske Bank develops pocket money app – move over Osper / GoHenry – Link New York Times – Women in Tech Speak Frankly on Culture of Harassment – Link Business Insider – Fintech startup Tide: $14 million boost from Spotify backers Creandum – Link Medium – Bag Snatchers, Monzo, and a night of adventure in London. – Link The post Ep. 274. News: Digitising Pocket Money appeared first on 11:FS. Special Guests: Chloé James and Sarah Kocianski.

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  • 00:56:55

    #67 - Simon Black - “I See a Lot of Red Flags"

    · The Meb Faber Show

    In Episode 67, we welcome Simon Black, founder of the newsletter, Sovereign Man. We start with Simon’s military background, having been an intelligence officer. He spent lots of time overseas, yet became disillusioned after the promises of WMDs failed to prove accurate. From this, he began challenging the status quo. Underpinning everything was an ethos of personal freedom, which is at the core of what Simon’s newsletter, Sovereign Man, is really about. Meb asks what global red flags and/or issues Simon is seeing now which might be challenging our personal freedoms. Simon tells us “I see a lot of red flags.” Specifically, he’s seeing a global trend toward socialism. People have a sense that the system is rigged. There’s an intuitive understanding that something is wrong, though people aren’t quite certain what it is, so they blame capitalism. But when people gravitate toward socialism (“I want more free stuff”), we run into the challenge of too many people wanting to jump on the cart, without enough people actually pulling the cart. This leads to an interesting conversation about the effects of socialism in Venezuela, where Simon is located. He mentions how there are vast quantities of soil where the Venezuelans could be growing crops, yet there is starvation. He steers the conversation back to challenges here in the U.S., which leads toward the need for what Simon calls a “Plan B.” In essence, this is a plan intended to protect yourself and your assets from the various risks we face today on many levels – financial, personal, governmental… Part of an effective Plan B ties to diversification. Simon mentions how if all of your assets are in the same banking system, then you’re not diversified. So, Simon suggests at least some money should be kept in banks outside of the U.S. – after all, there are many global banks that are better capitalized than those here in the U.S. He offers Hong Kong as an example. The conversation drifts toward an example of personal diversification – getting a second passport. Simon thinks this is the ultimate option, providing tons of opportunities and benefits – all upside with no downside, for minimal cost. Next up is Simon’s suggestion to legally reduce your tax burden. He tells us “reducing your taxes…that’s the easiest return on investment you’ll ever make.” Simon tell us a favorite tax-reduction technique upon Meb’s request. Next up, the guys discuss having cash outside the U.S. banking system. The conversation references why this is important – just look at what happened in Cyprus and Greece a few years ago. This leads into a discussion of cryptocurrencies. Simon tells us how so many people putting money into crytos today now have no idea what they’re doing – do they even understand Bitcoin and Ethereum? Who has actually read the original white paper on Bitcoin? There’s way more in this episode: where Simon is looking now for safe, margin-of-safety-style investments around the globe… how private equity can help your portfolio… Simon’s entrepreneurial advice… what Simon’s readers are most concerned about today… and of course, Simon’s most memorable trade – it involved day-trading Compaq (and losing everything). How’d it happen? Find out in Episode 67.

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  • 01:16:54

    Ep230 – A Proper FinTech Geek Moment

    · Fintech Insider by 11:FS

    In this episode We’re very excited about the launch of Clear Bank, the first clearing bank to be authorized in the UK for nearly 250 years. There’s been a lot of business model innovation at the front end – we’ve seen apps doing more convenient FX, more convenient remittance, we’ve even seen peer-to-peer payments, but nobody’s really attacked the rails. “This is where I’m super excited to see FinTech go. This is a proper, proper geek moment,” says guest Sarah Kocianski, Senior Research Analyst, FinTech, at Business Insider Intelligence. “There has been a lot of interesting stuff on personal finance management, consumer banks – that’s happened already – but for any kind of change to happen in the wider financial services ecosystem, those back ends have got to be updated. They’ve got to be upgraded. They’ve got to be using Cloud and API. That’s why this story really, really excites me. Because I think now we’ve got that key piece of the infrastructure. We can start to see movement. They’re not just looking to serve FinTechs. They’re going to try and serve the big guys, too. You can speed up your processes. You can innovate more easily if you connect with these guys.” Our guests Alexander Ball, Managing Fintech Consultant at ING News this week Finextra – Innovate Finance launches ambassador programme – Link City A.M. – House of Fraser owner Sanpower pulls investment in digital challenger bank Tandem – Link Bloomberg – Ant Financial said considering higher offer for MoneyGram – Link Business Insider – French officials are in London again wooing fintech and finance firms to Paris post-Brexit – Link Forbes – Digital disruption has arrived in FinTech – Link City A.M. FinTech startup and challenger bank Revolut’s launching an Amazon Prime-style subscription for banking – Link banking technology – Bank of England teams with Ripple for cross-border payments – Link Reuters – Goldman building robo-adviser to give investment advice to the masses – Link Bank Innovation – Watson tools are coming to FinTech developers – Link  ZDNet – Westpac Keyboard launches through Facebook, Twitter – Link  BBC – Mountain man: The bank boss who reached the top aged 33 – Link Enjoying FinTech Insider? Share with someone you love. Or at least with someone you want to impress. Also, please leave us a review on iTunes – you’ll make our week! The post Ep230 – A Proper FinTech Geek Moment appeared first on 11:FS.

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  • 885 – Talking to a Bank Teller

    · ESL Podcast - Previous Episodes

    Rich man, poor man – everyone goes to the bank at some point. Learn how to talk to someone at your bank in this episode. Slow dialog: 1:08 Explanations: 3:22 Fast dialog: 15:44 Bank Teller: Can I help you? Antonio: Yes, I’d like to deposit this check. Bank Teller: Please fill out a deposit slip and be sure to endorse the check on the back. Antonio: Here you are. I’ve already filled out a slip and signed the check. I’d also like to cash this other check. Bank Teller: Sure, I can help you with that. Here you are. Here’s a receipt for your deposit and I’ve cashed your check. Let me count out your $100: 20, 40, 60, 80, 100. Antonio: Thanks. Could I also check my bank balance for my other account? Bank Teller: No problem. You just have to swipe your ATM card and enter your PIN. It looks like you have a balance of $1,752. Will that be all? Antonio: Oh, I have that much? I’d like to withdraw $80. Bank Teller: All right. You’ll need to fill out a withdrawal slip. Why don’t you step aside while you do that so I can help the next customer, and when you’re done, come back to this window and I’ll help you. Antonio: Okay, I’ll do that. And if I want to transfer money between accounts? Bank Teller: You’ll need to fill out a withdrawal slip for the first account and a deposit slip for the second. Antonio: Got it. This might take awhile. Bank Teller: No problem, sir. We’re here all day – at least until 5:00. Script by Dr. Lucy Tse

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  • SIVP11: Hemmeligheden bag at blive kaldt til samtale med dyrlæge Simon Vølund

    · Succes I Veterinær Praksis Podcast - Sammen om at

    Se noter og links på sivp.dk/11 Uopfordret vs. opfordrede ansøgningerDer kommer en strøm af uopfordrede ansøgninger, men har for Simon ikke de den store værdi. Har han ikke en stilling åben, vil ansøgninger kun sjældent give anledning til en samtale.Simon vil ofte slå en stillingen op selvom han i forvejen har kendskab til kvalificerede ansøgere. Han ønsker på den måde at afsøge hvad markedet kan tilbyde. Uopfordrede ansøgninger har selvfølgelig en effekt, men ikke den store effekt i Odense.Ansøgningen skal naturligvis være pænt sat op, så den præsentere sig godt. Og der må godt være et billede med. Simon ser ikke selv stavefejl, men det er der andre, der gør og de må ikke være der. Og så skal kliniknavnet være stavet rigtigt.Det skal være tydeligt at ansøgeren brænder for at arbejde på lige netop Odense Dyrehospital. Og det skal ikke være synligt at du bare har sendt den samme ansøgning ud til 10 forskellige steder.Du må gerne vise at du har sat dig ind i virksomheden og som minimum har været inde på hjemmesiden.Simon springer hurtigt til CV’et da man ikke kan løbe fra hvad man lavet. Man kan i princippet have fået andre til at skrive ansøgningen.Simon anbefaler at du sender et billede med til din ansøgningen. Det behøver ikke at professionelt taget billede. Det kan godt være et mere almindelige billede, men lad nu være med at tage profilbilledet fra Facebook med trutmund og dyb udskæring. Det virker ikke. Et spændende menneske Et langt og flot CV kan selvfølgelig vække interesse, men du kan også være interessant på andre måder.Du kan også vise, at du er et interessant menneske. Du skal dog ikke tegne et glansbillede, for så falder du igennem til samtalen.Simon kigger efter om du har prøvet at lave andre ting før og under studiet. Det er vigtigt at du har prøvet at være ude i det virkelige liv. Du får en fordel ved at have erfaringer fra det virkelige liv.Det tæller aldrig ned at have gode karaktere, men det er ikke afgørende om du har været længere tid om at komme igennem studiet.Det kan dog godt give Simon en bekymring, hvis du alene har 10- og 12-taller og CV’et samtidig viser, at man ikke har lavet andet end sit skolearbejde. Aktiviteter i dit CVSimon anbefaler at du har lyst til at opleve verden og viser det. Samtidig skal du også finde noget, der viser, at du er stabil.Faglige relevante aktiviteter tæller selvfølgelig mere og et ophold på et universitet i udlandet er også godt. Det er dog ikke nødvendigvis afgørende.Grundlæggende er Simons anbefaling, at dine aktiviteter viser, at du har engagement.Få for eksempel en praktikdag eller to, bare for at komme ud og snakke med folk og undgå at blive for rusten. JobsamtalenSimon anbefaler, at du optræder som dén du er. Du skal selvfølgelig komme til tiden og også være helt almindelig påklædt. Du må gerne være fint klædt på, men din påklædning må ikke forvirre intervieweren. Det er bedre at være neutral.Du skal være dig selv – også i din påklædning.Du skal være ordentlig forberedt og have undersøgt noget om virksomheden, og Simon siger at det er godt lige at have været inde på hjemmesiden og eventuelt på Facebook.Simon fortæller også at han med årene er blevet mere tro imod sin mavefornemmelse. Hvis der er en kant ved ansøgeren, vil Simon hellere tage en samtale nummer to.Som ansøger bør man prøve at være opmærksom på hvilken stemning intervieweren lægger op til. Simon kan godt lide en afslappet og humoristisk tone, men det kan virke useriøst for andre. Du skal altså prøve at lure den anden af og fange tonen.For Simon er en god samtale én hvor 3 kvarter er gået uden at man kan huske om alle spørgsmål er blevet stillet. Dine fortrin, når du ikke har erfaringSimon fortæller at han og alle andre godt ved at man kan ikke have erfaring, når man lige er kommet ud fra studiet. Nogle kan have prøvet lidt mere end andre, og på den måde have et fortrin, men meget bliver afgjort af om du har engagement.Simon anbefaler at du viser lyst til at udfordring din egen grænse og viser at du har prøvet nogle ting på egen hånd. Du skal selvfølgelig samtidig kunne kende dine begrænsninger, men også kunne vise at du har prøvet nogle ting på egen hånd.Hvis du har gåpåmod og engagement til at lære faget, kan du en ny dyrlæge sagtens tjene sin løn ind.

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  • 01:03:28

    Simon Kohler – Was hat Sport mit Versicherungen zu tun?

    · Leaders Cafe: Unternehmensführung, Mitarbeitermotivation und Strategie auf höchstem Niveau

    Was hat Sport mit Versicherungen zu tun? Eine ganze Menge sogar - zumindest für Simon Kohler. Der 40-Jährige ist langjähriger Versicherungsmakler, Geschäftsführer von kohler&co. und leidenschaftlicher Hobbysportler. Der Beitrag Simon Kohler – Was hat Sport mit Versicherungen zu tun? erschien zuerst auf Leaders Cafe.

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  • 00:23:15

    7 Tips to Increase your Borrowing Capacity by over $139,000!

    · The Rentvesting Podcast | Smart Investor | Real Estate Investing Couch | Australian Property Talk

    In this week's episode, we're going through how to increase your borrowing capacity. People struggle to get loans initially, and it's only becoming harder because APRA is tightening lending requirements. This is really just, how much people can take out and we'll go through seven practical tips. This is all simple stuff and whether you're looking at buying in the short term, or medium to long term this will affect building your wealth and your property journey. If you like this episode, make sure you tell your friends!   Tip 1: Reduce credit cards and don't get debt because it seems like a good idea at the time! A lot of people think that they need to get a credit card for credit history when this is actually wrong. At the moment they've only got negative credit reporting. It's more about having a good credit file, you don't need to establish history. Reduce any credit card owing you have. If you've got a $10,000 credit limit this will reduce your borrowing capacity by $40,000. So essentially, four times the credit impact. Even if you have no debt owing on the $10,000 credit card - it will still be assessed as if the whole thing is debt, as the assumption is that you could go to the casino and spend that whole $10,000.   Tip 2: Clean up your unsecured debts   Secured loans - a mortgage is a secured loan because the bank can sell it if something happens. An unsecured loan is a credit card because there's no collateral or security against it.   You can go to the bank and they'll give you $15,000 to have a holiday, but you will pay huge rates aginst that and it will affect your borrowing capacity. If you default on the $15,000 holiday loan the bank will have a hard time getting its money back.   Even a small car loan will affect this. Just $500 a month ends up decreasing your borrowing capacity by over $80,000. It's amazing how those small things do add up and can affect your ability to grow a portfolio.   There's good debt and bad debt, and car loans like that should be paid as quickly as possible so that they don't affect your borrowing capacity. If you've got an existing property, you could look at debt consolidation, where you increase your home loan to add your car loan onto it. The trap here is that the extra $10,000 they keep for 30 years so the interest costs are higher. Speak to a broker about this before doing it!     Tip 3: Sort out your paperwork As a mortgage broker, I see how bad people are with paperwork, but this is so important! You need to have your group certificates, rates notices, pay slips etc. all ready to go. It's amazing how disorganised people are with this. Get your paperwork in check because this can affect your borrowing capacity. So go through a pre-approval process first so that you don't need to waste time when you're ready. Get your paperwork in check because this can affect your borrowing capacity. So go through a pre-approval process first so that you don't need to waste time when you're ready to move forward with things. No one likes paperwork but unfortunately, it is necessary. If the bank is lending you $500,000+ a few pieces of paper are necessary!     Tip 4: Shop around for deals between banks You need to look after yourself, which means ensuring that you're getting the best rate. If you want to get into investing, look at different lenders and deals because these small differences can really hold you back. There are two things that make a difference.   How much the bank will lend you If you've got a combined income of $85,000 - between lenders there can be an $139,000 difference between them. So doing your research can make a huge difference. Now, this isn’t just limited to home loan rates because, surprisingly, different banks can potentially increase your borrowing capacity. If you have a look at the scenario we have put together below for 2 adults, no kids and a combined annual income of $85,000. There is over $139,000 difference in how much Lender A and Lender G will lend the couple! Lender A          $465,900 Lender B          $456,438 Lender C          $427,258 Lender D          $411,000 Lender E          $399,508 Lender F          $361,459 Lender G          $326,516   Lenders mortgage insurance  There can be a huge difference again between banks. For example between them, there could be a $6,000 difference on how much insurance you pay the bank. This is compounded over 30 years equates to almost $30,000 over 30 years, four times the amount. LMI is a good tool if you need it, but if you are going to do it make sure you find the best rate.    Tip 5: If you have split loans with someone else, show how you are sharing them If you have owned property with friends or family members in the past you may own 50% of the property. Therefore, you own 50% of the home loan associated but in the eyes of some banks, you are considered wholly liable for the debt even though you only own 50% of the property. Fairly or unfairly, they assume you need to make 100% of the loan repayments but are only entitled to 50% of the rent. This can severely decrease your borrowing capacity.     Tip 6: Consider extending your loan Again, this is situational. If you can extend the term of your home loan is it really a good idea? Pro - extending the term of the loan means you can borrow more with fewer repayments each month Con - more interest because it's a longer period   This is something to seek advice on and proceed with caution. Practically, this would look like: $300,000 loan at 5% over 25 years - $1,753 per month with the total interest payable $226,131 If you, however, looked at extending the loan term to 30 years, it would look like this: $300,000 loan at 5% over 30 years - $1,610 per month with total interest payable $279,767   Tip 7: Save! Save! Anyone who has been successful in generating a number of properties has great cash flow management. To do that, you've got to have the ability to save money! If you have more savings in the bank, the bank will lend you more money. The more cash you put towards a property, the more the banks will give you. The boring stuff is true.     In summary Reduce your credit card limits! You can do it online or call your bank. Shop around for different banks or get someone else to do it for you. Having more savings, if you've got a bigger deposit you can avoid lenders mortgage insurance. The more you have, the more the bank will lend you. Long term, the banks want to see you at 60 - 70%, if you're too highly geared, you're very susceptible to issues. Try to have them positively geared, as this income is the one thing you can control. Make sure you are working with a professional mortgage broker like the team at Red & Co to maximise how much you can borrow, and grow your property portfolio in a sustainable way. Also, check out Louis' podcast SelfMadeMil.com.au

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  • 00:17:51

    Podcast #65- The War On Commissions........(Green-Grocer Version!)

    · Informed Decisions Financial Planning & Money Podcast

    This week we are aiming to share some slightly different insights, and reveal some major news in the world of Financial Services in Ireland! Last week the Central Bank released a proposal which is due to come into force next year (subject to Dept. of Finance), which is aimed at maximising the protection consumers get when it comes to buying any financial products....we have dissected all the Publications released by Central Bank to determine the details, and it's an interesting one! Firstly, thanks for checking out Ireland's award-winning Financial Planning Blog & Podcast, we're delighted to have you join us. We'd be thrilled if you had the time to check out our 'why', and to learn a little about what we are trying to do, for you our reader. The Green-Grocer! Indulge us for a few moments, trust me it'll make sense shortly! Imagine that you are walking down the road after getting off your bus from work, and you notice a shiny new green-grocer shop on the corner. It's called 'Gerry's Independent Stores'...sounds good to you! You walk in and the friendly green-grocer welcomes you with a big smile, a warm welcome, and inquires as to how he can help you.....you are taken aback at his hospitality and part of you reckons 'I'm gonna be sold something here'....therefore you reply in the usual way and state that you are 'just in for a look'! The shelves are stacked high with produce, so much choice of all your staple items, different versions of everything......you are confused with the level of options and so ask for some help with regards picking the 8 items you actually do need, milk, bread, broccoli, ham, cheese, yoghurt, apples & grapes (you healthy divil you!). Before you know it the kind shop keeper picks out a version of each of the 8 items, in addition he tells you that he has a special rate going on the eggs, asparagus, Mars Bars, and Ice-Cream and he encourages you to buy those as well. You reckon that you actually probably could use these other items so you agree to buy them. You go to the counter, pay for your stuff and happily head on off home with your shopping for the next few days done, and away home to make the dinner! How Did The Green Grocer get Paid? It is only the next day that you hear from a mate that the Green-Grocer actually makes more profit on certain options than on others. He picked the options for you that result in him getting the most profit. He also invited you to buy more stuff, because it turns out he gets a large bonus from the provider of the eggs, asparagus, Mars Bars and Ice-Cream if he sells a certain amount of it. In fact, he actually also get a holiday every year if he sells certain amounts of it to his customers. He might also actually get support to pay for advertising and marketing if he agrees to only sell that particular producers product....how do you feel now? Some people might feel like that is what they expect, others might not care less, while others might feel that they were being encouraged to take and buy stuff that might not have been the things that they needed or wanted! Again, how would you feel? How Are Financial Advisors Paid? It will be no surprise to majority of you to hear that most Financial Advisors & Intermediaries, Banks, Brokers are paid in a similar way. Majority of Brokers, Banks & Advisors (also known as Intermediaries- i.e the seller of products on behalf of a product producer) get paid commission when they sell a certain product. It is also known that some get paid more for selling a certain product, and indeed get paid bonuses if they sell a certain amount of certain products from certain providers....all very certain!! It appears to us that the Central Bank are on a mission to increase the transparency that you the consumer has in regards how your 'Green-Grocer' is paid by the providers. In fairness that makes total sense. As we keep banging-on-about here, the focus of the industry has for too long been lazered onto selling products as opposed to delivering the real outcomes that consumers need and want....more often than not a product is required, but it should not be the starting point of the conversation! What Will Change For You, The Customer? In essence what the Central Bank appear to be aiming towards is a situation where there is a full and clear menu available to the customer as soon as they look up the 'Green-Grocer' online....you the customer will be able to see exactly what the grocer is paid from each provider, in advance of you actually going into the shop. The impact of this would be that the next time you go into 'Gerry's Independent Stores' you will know how much Gerry will make if he sells Brocolli A, Brocolli B, or Brocolli C.....again all about improving the transparency for the shopper. Also, when it comes to mortgages, the Green-Grocer is currently paid a % of the loan that the customer takes out (Green-Grocer being bank/broker/any intermediary), so the more you borrow the more commission the grocer gets.....well they are looking to put an end to that it seems, by introducing a cap on commission which the grocer gets, irrespective of the amount being borrowed....again our take is that The Central Bank are aiming to reduce the chance of a consumer being 'given' more of a loan than they need, which would mean that the grocer gets a bigger commission. Them days appear to be at an end. Is Gerry Independent?? As you have heard, Gerry's store is called 'Gerry's Independent Stores'......however if you are looking at how he is getting paid and the bonuses he can make by selling more product from a certain provider etc, then you could argue that he is not independent! If the Central Bank's recommendations come into force in full next year Gerry will have to remove 'independent' from his store name! The Central Bank appear to be very keen to ensure that only a grocer who is receiving no form of commission from a provider can class themselves as independent. Meaning if you go to an independent store once these recommendations come into force that you will have to pay out of your own pocket for the advice and recommendations. If they do state that they are not chargin you commission but that they are charging you a fee, which is being paid to them out of your products, via the provider, this will be classed as not being independent from the provider, and hence not independent in nature. How Can I Get Independent Financial Advice in Ireland? In simpler terms only a grocer who does not take commission of any sort, whose only income is the income he or she gets from charging a fee directly to the customer, will be able to call themselves independent under the new Central Bank recommendations. That is quite different to what is and isn't classed as independent in today's world of financial advice! If you think about it it makes lots of sense to only allow an advisor who is totally, financially and otherwise, independent of the product provider to be able to call themselves independent...... How Will This Impact On Us Getting Financial Advice? Some are saying that it might reduce the number of financial advisors in the country. Others are saying that financial advisors who typically have lots of providers to choose from will reduce the number of providers to just 1, so as to remove the need to choose between different ones based on something other than the commission. Others say that it will open consumers eyes to the level of commissions that are being paid, and will disillusion them about financial advice altogether. The last point, from our perspective would be a huge shame. The benefit of true financial advice and financial planning is usually way way beyond the cost associated with it. The avoidance of huge mistakes, the putting in place of plans which support your long term goals and lifestyle aims is worth so much more than the cost, again usually! We, for what it is worth, hope that the impact will be the rise of much more customer focused approaches from more and more of the industry. If that happens, and much like the investment markets nobody knows, then the recommendations will have been a rampant success. We're hoping. Thanks for reading. Paddy Delaney QFA | RPA | APA | Qualified Coach    

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  • 01:11:29

    China's Banking: The Untold Story - James Stent

    · National Committee on United States-China Relations

    China watchers have long predicted the imminent collapse of China’s banking system. Between increased reliance on unstable funding sources, and an expanding credit to GDP gap, experts’ concerns are not unwarranted. Yet the collapse has not happened. In China’s Banking Transformation: The Untold Story, former banking director James Stent looks at what the experts have been missing, and why their predictions have not materialized. On June 5, 2017, Mr. Stent joined National Committee President Stephen Orlins for a discussion of his book, his views on the Chinese banking sector, and what they mean for our understanding of China’s political economy overall. Challenging the mainstream consensus on China’s banking system, Mr. Stent argues Chinese banks are hybrid organizations, which simultaneously respond to shareholder interests and the demands of party-defined economic goals. Understanding how Chinese banking has transformed since the early 1990s requires looking at China’s banks in the context of how the country’s political economy works, and at the continuing influence of China’s traditional culture on its contemporary institutions. Drawing on his experience working inside two of China’s top banks, Mr. Stent examines some of the key strengths of China’s banking system, and explains the unique political and cultural factors that must be considered in assessing the success of Chinese banks. Bio: James Stent has pursued a career in financial services in Thailand and China. Beginning in 2006, he served for six years as an independent director and chairman of the audit committee of the China Everbright Bank, followed by four years as a member of the bank’s Board of Supervisors. From 2003 to 2006 he was an independent director on the board of the China Minsheng Bank in Beijing. He is presently an independent director and chairman of the audit committee of the XacBank of Mongolia. Mr. Stent worked for 18 years in Bangkok at Bank of Asia, a Thai bank, serving as deputy president of the bank until his retirement in 2002, continuing thereafter as a director of the bank until 2004. Jim began his banking career with Citibank, working in New York, Manila, and Hong Kong. He then joined Crocker National Bank, working in San Francisco, Hong Kong and Bangkok, before moving to the Bank of Asia. In addition to his banking career, Mr. Stent also has experience in cultural heritage protection and tourism development. He is chairman of the steering committee of the Siamese Heritage Trust, and previously served as director of the Raks Thai Foundation and as a council member and honorary treasurer of the Siam Society. He also served for three years as the CEO of WildChina, a Chinese travel firm specializing in cultural and ecological tourism. Mr. Stent grew up in the San Francisco Bay Area and received a bachelor’s degree in history at the University of California, Berkeley, and a master’s of public affairs degree from the Woodrow Wilson School of Public and International Affairs at Princeton University, where he focused on development economics. He speaks and reads Chinese and Thai.

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  • 00:14:15

    James Stent: China's Banking: The Untold Story

    · NCUSCR China Podcast Series

    China watchers have long predicted the imminent collapse of China’s banking system. Between increased reliance on unstable funding sources, and an expanding credit to GDP gap, experts’ concerns are not unwarranted. Yet the collapse has not happened. In China’s Banking Transformation: The Untold Story, former banking director James Stent looks at what the experts have been missing, and why their predictions have not materialized. On June 5, 2017, Mr. Stent joined National Committee President Stephen Orlins for a discussion of his book, his views on the Chinese banking sector, and what they mean for our understanding of China’s political economy overall. Challenging the mainstream consensus on China’s banking system, Mr. Stent argues Chinese banks are hybrid organizations, which simultaneously respond to shareholder interests and the demands of party-defined economic goals. Understanding how Chinese banking has transformed since the early 1990s requires looking at China’s banks in the context of how the country’s political economy works, and at the continuing influence of China’s traditional culture on its contemporary institutions. Drawing on his experience working inside two of China’s top banks, Mr. Stent examines some of the key strengths of China’s banking system, and explains the unique political and cultural factors that must be considered in assessing the success of Chinese banks. Bio: James Stent has pursued a career in financial services in Thailand and China. Beginning in 2006, he served for six years as an independent director and chairman of the audit committee of the China Everbright Bank, followed by four years as a member of the bank’s Board of Supervisors. From 2003 to 2006 he was an independent director on the board of the China Minsheng Bank in Beijing. He is presently an independent director and chairman of the audit committee of the XacBank of Mongolia. Mr. Stent worked for 18 years in Bangkok at Bank of Asia, a Thai bank, serving as deputy president of the bank until his retirement in 2002, continuing thereafter as a director of the bank until 2004. Jim began his banking career with Citibank, working in New York, Manila, and Hong Kong. He then joined Crocker National Bank, working in San Francisco, Hong Kong and Bangkok, before moving to the Bank of Asia. In addition to his banking career, Mr. Stent also has experience in cultural heritage protection and tourism development. He is chairman of the steering committee of the Siamese Heritage Trust, and previously served as director of the Raks Thai Foundation and as a council member and honorary treasurer of the Siam Society. He also served for three years as the CEO of WildChina, a Chinese travel firm specializing in cultural and ecological tourism. Mr. Stent grew up in the San Francisco Bay Area and received a bachelor’s degree in history at the University of California, Berkeley, and a master’s of public affairs degree from the Woodrow Wilson School of Public and International Affairs at Princeton University, where he focused on development economics. He speaks and reads Chinese and Thai.

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  • 00:07:40

    Multiple Choice Questions - CURRENT QUESTIONNAIRE

    · PratiyogitaDarpan_EM

    1. Which public sector bank has highest gross non-performing assets (As % of Gross advances) as on December 31, 2016 ? (A) Indian Overseas Bank (B) UCO Bank (C) United Bank of India (D) IDBI Bank 2. Which private bank has highest level of GNPAs as % of gross advances as on December 31, 2016 ? (A) Axis Bank (B) ICICI Bank (C) Dhanlaxmi Bank

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