Commonwealth Bank of Australia CEO apologies for financial planning scandal

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Commonwealth Bank of Australia CEO apologies for financial planning scandal

Thursday, July 3, 2014

Ian Narev, the CEO of the Commonwealth Bank of Australia, this morning “unreservedly” apologised to clients who lost money in a scandal involving the bank’s financial planning services arm.

Last week, a Senate enquiry found financial advisers from the Commonwealth Bank had made high-risk investments of clients’ money without the clients’ permission, resulting in hundreds of millions of dollars lost. The Senate enquiry called for a Royal Commission into the bank, and the Australian Securities and Investments Commission (ASIC).

Mr Narev stated the bank’s performance in providing financial advice was “unacceptable”, and the bank was launching a scheme to compensate clients who lost money due to the planners’ actions.

In a statement Mr Narev said, “Poor advice provided by some of our advisers between 2003 and 2012 caused financial loss and distress and I am truly sorry for that. […] There have been changes in management, structure and culture. We have also invested in new systems, implemented new processes, enhanced adviser supervision and improved training.”

An investigation by Fairfax Media instigated the Senate inquiry into the Commonwealth Bank’s financial planning division and ASIC.

Whistleblower Jeff Morris, who reported the misconduct of the bank to ASIC six years ago, said in an article for The Sydney Morning Herald that neither the bank nor ASIC should be in control of the compensation program.

How To Install Cellular Blinds And Enhance Your Decor?}

Submitted by: Julie Valencia

If you want to learn how to install cellular blinds, it is extremely important for you to understand what cellular blinds are and how they differ from traditional blinds. This article will help you to find out what those blinds are and how you can install them on your windows properly.

Cellular Blinds Defined

This refers to the type of window accessory that is characterized by the honeycombed shape. These types of blinds can be considered as the most energy efficient window covering because the circular compartments that the honeycomb shapes can provide proceeds to trap the air from outside. This way, it will be able to provide natural ventilation from the blinds themselves.

Installing the Blinds

In order to do this properly, you would need to have the following materials:

Your own power drill and bit

Measuring tape

Screwdriver, level, and pencil

Once you gain access to these materials, you will have to follow the subsequent steps to successfully install your Fixed Awnings.

1. First, make sure that youre able to fasten at least two secure brackets on either side of the mount. If you have a wider shade, you should place the brackets equally across the whole width of the sheet itself.

2. Make sure that the brackets will not interfere with the operating mechanisms of your contraption.

3. After this, you can proceed to installing the inside mount by positioning the brackets 1 inches to 2 inches inward from each side of the window.

4. Place it along the top of the window opening.

5. If the window is 3 or more inches deep it would be best for you to place the brackets so that it is 2 inches away from the front window. If your window opening is a bit shallower, decrease the distance about half an inch.

6. You can use at least one screw to stick the brackets to the upper window frame.

7. For the external wall mount, you can center your blinds and remember the bracket locations through simple markings.

8. If you are not going to use a stud, you can use drills to create a hole onto the wall to attach the anchors to. Make sure that the holes are aligned with your brackets.

9. You must secure the brackets onto the wall by drilling holes at the back of the brackets as well.

Additional Reminders

If the bracket is spring loaded, you should be able to hook up the front lip inside the head rails. You ought to rotate the head rail down and inside until the anterior of the head rail clips onto the bracket.

For cord-operated shades, you should pull the cord towards you to release the lock and subsequently use the shade.

To lock the shade, you should pull the cord outward. Be sure that the cords would be placed out of the childrens reach.

Conclusion

If you have cordless shades, look for the handles that are designed to lift the shades up or down. After locating it, clip it into whatever direction you want it to go. You can also clip it to the mid rail if that is how it is designed. If you want to learn more about the different types of Silhouette Shade Blinds Melbourne for the windows, visit Blinds and Shutters as soon as possible.

About the Author: Blinds and Shutters is a dedicated window blinds and Window Shutters website providing the public an easy way to locate a blinds manufacturer, supplier and installer with ease. Visit Here For More Information :

blindsandshutters-kwikfynd.com.au

Source:

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Colleges offering admission to displaced New Orleans students/OH-WY

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Colleges offering admission to displaced New Orleans students/OH-WY
See the discussion page for instructions on adding schools to this list and for an alphabetically arranged listing of schools.

Due to the damage by Hurricane Katrina and subsequent flooding, a number of colleges and universities in the New Orleans metropolitan area will not be able to hold classes for the fall 2005 semester. It is estimated that 75,000 to 100,000 students have been displaced. [1]. In response, institutions across the United States and Canada are offering late registration for displaced students so that their academic progress is not unduly delayed. Some are offering free or reduced admission to displaced students. At some universities, especially state universities, this offer is limited to residents of the area.

Contents

  • 1 Overview
  • 2 Ohio
  • 3 Oklahoma
  • 4 Oregon
  • 5 Pennsylvania
  • 6 Rhode Island
  • 7 South Carolina
  • 8 South Dakota
  • 9 Tennessee
  • 10 Texas
  • 11 Utah
  • 12 Vermont
  • 13 Virginia
  • 14 Washington
  • 15 West Virginia
  • 16 Wisconsin
  • 17 Wyoming

Race to save Chilean miners trapped underground from spiralling into depression continues

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Race to save Chilean miners trapped underground from spiralling into depression continues

Thursday, September 2, 2010

It has emerged that the 33 Chilean miners trapped underground after the mine they were working in collapsed could be brought to the surface in a shorter time than was initially feared. While officials publicly announced that the men would not be brought to the surface until Christmas, sources inside technical meetings have revealed that they could in fact be on the surface by early November. The news comes as families were allowed to speak by radio-telephone to their trapped loved ones on Sunday. Over the weekend, video images filmed by the miners emerged showing the miners playing dominoes at a table and singing the Chilean national anthem. The miners also used the camera to send video messages to their families on the surface, saying that they regularly broke into tears, but were feeling better having received food and water.

The grainy nightvision images, filmed on a high definition camcorder that was sent down a small shaft to the mine, show the men in good spirits, chanting “long live Chile, and long live the miners.” They are unshaven and stripped to the waist because of the heat underground, and are seen wearing white clinical trousers that have been designed to keep them dry. Giving a guided tour of the area they are occupying, Mario Sepúlveda, one of the miners, explains they have a “little cup to brush our teeth”, and a place where they pray each day. “We have everything organized,” he tells the camera. Gesturing to the table in the center of the room, he says that “we meet here every day. We plan, we have assemblies here every day so that all the decisions we make are based on the thoughts of all 33.” Another unidentified miner asks to rescuers, “get us out of here soon, please.” A thermometer is shown in the video, reading 29.5C (85F).

As the film continues, it becomes evident that the miners have stuck a poster of a topless woman on the wall. The miners appear shy, and one man puts his hand to his face, presumably dazzled by the light mounted on the cameraman’s helmet. One miner sent a message to his family. “Be calm”, he says. “We’re going to get out of here. And we thank you from the bottom of our hearts for your efforts.” Another said that the miners are “sure that there are people here in Chile that are big people, that are powerful people, that are intelligent people, and they have the technology and they will all work together to get us out of here.” Speaking to the camera, one says: “we have had the great fortune that trapped in this mine there are good, professional people. We have electricians, we have mechanics, we have machine operators and we will let you know that while you are working to rescue us on the surface, we are down here ready to help you too.” It has been reported that Mario Gómez, 63, has become the group’s “spiritual leader”, having worked in the mines for over fifty years. He has requested that materials to build a shrine be sent down to the cavern.

Upon seeing the video in a private screening, family members, who are living in a small village of tents at the entrance to the San José copper-gold mine—which they have named Camp Hope—were elated. “He’s skinny, bearded and it was painful to see him with his head hanging down, but I am so happy to see him alive”, said Ruth Contreras, the mother of Carlos Bravo, who is trapped in the mine. The video, of which only a small portion has been released to the public, shows the miners, many of them wearing helmets, cracking jokes and thanking the rescuers for their continued efforts. The supplies are being sent to the men through a small shaft only twelve centimeters wide, and a laboratory has been set up with the purpose of designing collapsible cots and miniature sandwiches, which can be sent down such a narrow space.

CNN reported on Friday that “officials are splitting the men into two shifts so one group sleeps while the other works or has leisure time .. On average, each man has lost 22 pounds (10 kilograms) since they became trapped three weeks ago, and dehydration remains a threat. But a survey of the men indicates that at least nine miners are still too overweight to fit through the proposed rescue shaft. Initially, the miners survived by draining water from a water-cooled piece of equipment. To stay hydrated in the 90-degree mine, each miner must drink eight or nine pints of water per day.”

But while there are jubilant celebrations on the surface that the miners are alive, officials are now nervous that the miners could become depressed, trapped in a dark room the size of a small apartment. Chilean health minister Jaime Mañalich said that, on the video, he saw the telltale signs of depression. “They are more isolated, they don’t want to be on the screen, they are not eating well”, he said. “I would say depression is the correct word.” He said that doctors who had watched the video had observed the men suffering from “severe dermatological problems.” Dr. Rodrigo Figueroa, head of the trauma, stress and disaster unit at the Catholic University in Santiago, Chile, explained that “following the euphoria of being discovered, the normal psychological reaction would be for the men to collapse in a combination of fatigue and stress … People who are trained for emergencies – like these miners – tend to minimize their own needs or to ignore them. When it is time to ask for help, they don’t.” NASA has advised emergency workers that entertaining the miners would be a good idea. They are to be sent a television system complete with taped football matches. Another dilemma facing Mañalich is whether the miners should be permitted to smoke underground. While nicotine gum has been delivered to the miners, sending down cigarettes is a plan that has not been ruled out.

With the news that drilling of the main rescue tunnel was expected to begin on Monday, officials have informed the media that they hope to have the miners out of the mine by Christmas—but sources with access to technical meetings have suggested that the miners could actually be rescued by the first week of November. A news report described the rescue plan—”the main focus is a machine that bores straight down to 688m and creates a chimney-type duct that could be used to haul the miners out one by one in a rescue basket. A second drilling operation will attempt to intercept a mining tunnel at a depth of roughly 350m. The miners would then have to make their way through several miles of dark, muddy tunnels and meet the rescue drill at roughly the halfway point of their current depth of 688m.” Iván Viveros Aranas, a Chilean policeman working at Camp Hope, told reporters that Chile “has shown a unity regardless of religion or social class. You see people arriving here just to volunteer, they have no relation at all to these families.”

But over the weekend, The New York Times reported that the “miners who have astonished the world with their discipline a half-mile underground will have to aid their own escape — clearing 3,000 to 4,000 tons of rock that will fall as the rescue hole is drilled, the engineer in charge of drilling said Sunday … The work will require about a half-dozen men working in shifts 24 hours a day.” Andrés Sougarret, a senior engineer involved in operating the drill said that “the miners are going to have to take out all that material as it falls.”

The families of those trapped were allowed to speak to them by radio-telephone on Sunday—a possibility that brought reassurance both the miners and those on the surface. The Intendant of the Atacama Region, Ximena Matas, said that there had been “moments of great emotion.” She continued to say that the families “listened with great interest and they both felt and realized that the men are well. This has been a very important moment, which no doubt strengthens their [the miners’] morale.” The phone line is thought to be quite temperamental, but it is hoped that soon, those in the mine and those in Camp Hope will be able to talk every day. “To hear his voice was a balm to my heart … He is aware that the rescue is not going to happen today, that it will take some time. He asked us to stay calm as everything is going to be OK … He sounded relaxed and since it was so short I didn’t manage to ask anything. Twenty seconds was nothing”, said said Jessica Cortés, who spoke to her husband Víctor Zamora, who was not even a miner, but a vehicle mechanic. “He went in that day because a vehicle had broken down inside the mine … At first they told us he had been crushed [to death].”

Esteban Rojas sent up a letter from inside the mine, proposing to his long-time partner Jessica Yáñez, 43. While they have officially been married for 25 years, their wedding was a civil service—but Rojas has now promised to have a church ceremony which is customary in Chile. “Please keep praying that we get out of this alive. And when I do get out, we will buy a dress and get married,” the letter read. Yáñez told a newspaper that she thought he was never going to ask her. “We have talked about it before, but he never asked me … He knows that however long it takes, I’ll wait for him, because with him I’ve been through good and bad.”

California’s SB 1 Bill Originators’ and Supporters Turn Against Bill

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California’s SB 1 Bill Originators’ and Supporters Turn Against Bill
February 25th, 2017 in Uncategorized | No Comments

Sunday, September 4, 2005

Changes to California’s SB 1 Bill have forced many of the bill’s strongest supporters, including Governor Arnold Schwarzenegger, to oppose it. Governor Schwarzenegger is now expected to veto the bill.

The bill sought to provide incentives for businesses and individuals to install rooftop solar panels, in a manner similar to existing programs in Washington and Oregon. Under pressure from the electrician’s union, the bill was amended to require that installation be done by licensed electricians and that “prevailing wages” be paid for all commercial solar work done in the state.

Existing solar contractors were originally among the bill’s strongest supporters but now oppose it due to the changes. This comes despite the fact that they would be, under a grandfather clause, granted an exception to the new requirements for an electrician’s license. Future solar specialists would be required to also be licensed electricians.

Medical And Nursing Uniform Buying Guide}

February 23rd, 2017 in Clothing | No Comments

Medical And Nursing Uniform Buying Guide

by

John Morris

Are you feeling slightly apprehensive about the new direction your life has taken? Obtaining a medical and nursing degree is a challenging goal; your success is dependent on numerous factors, both small and big things, and buying the right uniform is one of the things that could ultimately affect your chances to become a medical or nursing professional.

Lack of Uniformity

Most companies, even hospitals, prefer their employees to be dressed uniformly, because they look better, and more easily identifiable, a problem that is common to large organizations. If youre not wearing the right uniform, your superiors may actually forget youre studying or working for them!

Wrong Impression

Most people still unfairly judge others on the basis of their appearance alone; you may find yourself gaining a bad impression solely because you bought the wrong choice of uniform.

Work Penalties You may be forced to pay penalties or dues for something that could have been avoided in the first place.

Asking for Proper Instructions

The best way to know what type of medical or nursing uniform to buy is asking the right people for instruction. While any information provided by your peers and colleagues is of course welcomed and more easily obtainable, its still better to ask your superiors about the proper uniform to buy.

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Some hospitals allow their employees to have liberty on the choice of fabric, length and type of medical uniform to wear while other hospitals and medical institutions can be very strict about the proper attire for employees. Avoid making any costly mistake simply by asking questions.

Where to Buy Medical and Nursing Uniforms

InHouse Stores

A number of hospitals, clinics, medical institutions and schools have their own stores that sell uniforms, text books and other supplies to its employees and students; if your school or workplace has one, thats probably the best place to buy your uniform

Affiliated Stores

Instead of an in-house shop, your company or school may simply be affiliated with a certain shop; you can ask your superior if they have one. Its better to purchase your uniform from a recommended shop because they already know what and what not to do when you commission them to make your uniform.

Malls and Other Boutiques

If your workplace or university is not fussy at all about the type of uniform youll wear, as long as its of the proper color or length, you can most probably purchase a ready-made nursing uniform at any mall, retail outlet or any boutique or shop that specializes in producing and selling uniforms.

Online Stores

You can also browse the Internet for online stores selling medical and nursing uniforms; make sure you compare rates before buying anything.

Ready Made vs. Customized Uniforms

Ready made uniforms are generally cheaper than customized ones because of the economies of scale. Available sizes however may be limited to S, M, L and XL. Anything less or more than those sizes would have to be custom-made.

Custom-made uniforms may only be cheaper than ready made uniforms IF you find a couturier willing to charge low labor fees. At any case, custom-made uniforms usually have a better fit because the exact proportions of the user have been taken into consideration.

Factors to Consider

Fabric

Most medical uniforms are either made from cotton or linen. Its important to choose a fabric thats comfortable to wear at any time of the day and even for long hours. Its also better to choose a fabric thats easy to clean because saving lives can sometimes be a messy job.

Color

Be sure to ask what colors are appropriate; if none have been specified, white is the most common and safest choice while dark colors can hide most stains from view.

Length

Again, make sure that you follow guidelines if there are any; this will only be important if you prefer to wear a skirt, rather than pants, as the bottom pair for your uniform. Make sure that the length is appropriate for work use.

Design

Its always better to use a plain or simple design for a medical or nursing uniform, because youre there as a professional, and not as a social butterfly.

Fit

Be sure to try the uniform before allowing the last stitches to be made. Its better to stay from tight-fitting uniforms because they tend to restrict your movements.

For more great nursing uniform related articles and resources check out

medicaluniformshq.info

Article Source:

eArticlesOnline.com

}

Tips To Find Best Youth Addiction Rehabilitation Programs For Addicted Kids

February 20th, 2017 in Jewellery | No Comments

Read An Opinion On:

During the time one engages in actions of drug addiction, their health is neglected. Learning to eat improved and take nutrition classes will teach the alcoholic about vitamins, food and nutritional supplements and what they do for the body. These treatments provide the addict with the tools and resources to study life skills to get ready them to face challenges in life. Therapeutic boarding schools are effective for troubled teens because they are placed in an environment where they have the same experiences with other teens. It takes into account the concept of group therapy wherein they have a common denominator.

These treatment centers promote activities that allow the teens to stay worried with positive things while educating them on how to make good decisions to have healthier life. A troubled teen’s life can be turned around for the better if there is enough support from family, faculty and counselors. Boarding academies are learning institutions for struggling juveniles that offer education and where the scholars stay on campus rather than return to their homes. The focus of boarding institutes for a teen that is disobedient is to instill control, respect and a wish to better oneself. Most military boarding institutes still use the same principles of commitment, teamwork and regulation as a method for motivating youngsters.

There are also special boarding schools for anxious girls. These girls might have come from concerned families or might have problems with drugs, alcohol, pregnancy, etc. Boarding schools offer these girls another possibility to change their lives for the better and make intelligent and responsible decisions that will assist them in the future. Military schools place a huge prominence on academic excellence. Small class sizes, extra learning periods, experienced and talented teachers and constant monitoring and reports to parents almost assurance a wonderful academic outcome. Those who are falling after are spotted rapidly and given whatever extra tuition is required.

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These academies have these strict rules to teach worried teens respect. Sometimes distressed teen’s are special military schools. In these schools the learners will be taught how to work in team, have discipline and leadership. These institutes, being made after the martial tradition, are structured similarly to military academies. Summer can be a wonderful time for kids filled with an abundance of new learning experiences.

There are many camps throughout the nation that offer a wide range of programs for children of all ages. Students and teachers have different ranks, the day regularly starts with a reveille very early at 0600 hours and cadets (students) are expected to pick up after themselves and present themselves as well as their quarters to be as neat and orderly as possible. Boot camps offer a wide range of games and activities that aren’t available at your local sports centre or park. Children and teens might try archery, pottery, dance, high ropes courses, quad biking and a hundred other fun activities! Staying home and doing everyday things can be boring so camp widens the promise and chances to have fun and learn new skills.

Article Source: sooperarticles.com/health-fitness-articles/detoxification-articles/tips-find-best-youth-addiction-rehabilitation-programs-addicted-kids-677761.html

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Find more details on drug rehabs for addicted juvenileswith the help of this site. Get best information on wilderness programs for troubled girls by visiting this site Author: Rahul Mahajannn

Category:Jewellery

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Category:Jewellery
February 20th, 2017 in Uncategorized | No Comments

This is the category for jewellery.

Refresh this list to see the latest articles.

  • 8 April 2014: Scottish artist Alan Davie dies at age 93
  • 12 August 2011: Three killed amongst Birmingham, England riots
  • 13 July 2011: 21 people killed and 113 reported injured in three blasts in Mumbai
  • 4 July 2011: Hidden treasure worth billions of dollars discovered in Indian temple
  • 26 November 2010: Bernie Ecclestone attacked outside London headquarters; no arrests made
  • 6 September 2009: Man charged with attempted murder in £40 million London jewel heist
  • 13 August 2009: British gemstone expert killed by mob in Voi, Kenya
  • 11 August 2009: Thieves steal £40 million from London jeweller
  • 31 May 2009: Thief steals over €6 million worth of jewels from Paris store
  • 18 March 2009: Madoff prosecutors want assets from wife and children
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Up to 18 arrested, police injured in APEC rally

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Up to 18 arrested, police injured in APEC rally
February 20th, 2017 in Uncategorized | No Comments

Saturday, September 8, 2007

An anti-APEC rally through the streets of Sydney has attracted around 5000 demonstrators, with up to 18 arrests and two police injured. In the days leading up to the rally, police had warned that the demonstration could attract up to 20,000 people and turn into a full scale riot, however these fears were not realised.

The mostly peaceful demonstration marched from Sydney’s Town Hall to Hyde Park where they were greeted with a carnival atmosphere. The demonstrators protested against the 2003 Iraq invasion, climate change, workers’ rights and globalisation with many blowing whistles, yelling chants and beating drums.

While reports in the media vary, up to 18 people were arrested when they turned violent. Two police officers were injured, one when hit by an iron bar and another when he was hit with a dart. Those arrested have been charged with offences ranging from assaulting police, hindering police, resisting arrest, offensive conduct and breaching a secure area.

Despite the arrests, NSW Police Commissioner Andrew Scipione praised the conduct of the majority of protesters. Mr Scipione credited the huge numbers of police and poor weather for the successful outcome of the rally.

“It certainly caused numbers to dwindle, in fact it surely caused numbers not to turn up,” he said.

“But more importantly, I think it was the combination of the show of force, the police were out there in big numbers, and we don’t apologise for that.

“We always indicated that we would be there, in sufficient numbers to be able to act swiftly against those that broke the law.

“So was that overkill? I don’t think so.”

Security surrounding the APEC summit is the tightest ever seen in Australia with a 5 km fence restricting access to Northern parts of Sydney’s CBD, overflights by airforce jets, police on jet skis, snipers, riot squad members and special laws to crack down on security during the summit.

There have been complaints about the conduct of police which are alleged to of misused special search powers which only apply to the fenced zone surrounding APEC facilities and of heavy-handedness by police. Several protesters claimed that Sydney had been turned into a “police state” as a result of the security measures. Commissioner Scipione said “all allegations of police misconduct would be investigated”.

A second protest, held in Belmore Park attracted around 1,000 people from Vietnamese and Tibetian backgrounds protested against Chinese President Hu Jinato’s human rights record. Organiser of the protest, Tenpa Dugdak said Australian Prime Minister John Howard should make human rights in China an APEC issue.

“It’s so important – this meeting that happened, 21 leaders – great, but [don’t] just discuss about trade, discuss about human rights, environmental problems that can really impact on a global scale,” he said.

Five police officers killed in Dallas, Texas during sniper attack

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Five police officers killed in Dallas, Texas during sniper attack
February 20th, 2017 in Uncategorized | No Comments

Sunday, July 10, 2016

On Thursday, five police officers were killed and seven were injured after a sniper attacked a public protest march in downtown Dallas, Texas. Sources indicate at least three other people were taken into custody for questioning relating to the attack. The march was held to protest the shooting deaths of Alton Sterling in Louisiana and Philando Castile in Minnesota during engagements with police officers.

Police identified 25-year-old Micah Johnson as the suspect. Johnson had previously served in the US army, and police reported he said he wanted to exact revenge upon police officers after news of Sterling and Castile’s deaths. Ammunition and weapons were found inside Johnson’s home. Dallas Police reported the policemen were shot at from a height. Officials said two civilians were also injured in the attack.

Micah Johnson served for the United States Army Reserve from 2009 until early 2015, including a tour of Afghanistan. Johnson had no criminal record. His attack was reported to be a lone mission.

After the attack earlier on Thursday, police killed Micah Johnson in El Centro College’s parking lot by a bomb explosion.

Hillary Clinton, 2016 United States presidential election candidate and favorite for the Democratic nomination this July, said, “There is too much violence, too much hate, too much senseless killing, too many people dead who shouldn’t be. No-one has all the answers. We have to find them together.”

After Johnson was killed, Mike Rawlings, Dallas’ mayor, said “We believe now the city is safe”.