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SmartStream Air 2 Breaks Cover… and the Rules of Data Reconciliation
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Benchmarking and Trends in Financial Crime Compliance Screening
FIs face growing fines for failings in their compliance processes, while the technology to support screening systems continues to evolve rapidly. Against this background, FIs must approach financi…
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Brokers Tackle Pro v. Non-Pro Data Cost & Compliance Challenges
Max Bowie digs deep into how firms are making sure they classify data consumers correctly to avoid paying unnecessary fees.
@MaxBowie
There's a big difference between what professional and retail investors pay for data. Brokers want to make sure any retail client doesn't get hit with professional fees, while exchanges want to ensure that every professional consuming their data pays the higher rate. The key is classifying these different customer types correctly. But, as Max Bowie discovers, that's not as easy as it sounds.
Everyone's heard of KYC (Know Your Customer), but what about Know Your Subscriber or Know Your Professional—the need for an institution to understand not just how many internal staff or external clients are consuming data that it licenses, but who those individuals are, and whether they should be paying full-price professional rates or lower, non-professional fees.
For any firm with a mix of institutional and retail client bases, the difference can have a significant impact on the firm's overall data budget. And getting these designations wrong can incur costly penalties.
For example, CME Group charges $105 per month for professional access to each of its marketplaces—CME, CBOT, Nymex, and Comex—a total of $420 per month per professional access for all four markets. In comparison, a non-professional trader would pay only $1 per month for top-of-book data from each market (or $3 if they take all four in a bundle), and just $5 per exchange for market depth (or $15 as a bundle).
"We handle reporting for several firms that have institutional and wealth management and retail businesses, and want to understand their professional and non-professional usage," says Barry Raskin, managing director at consultancy Jordan & Jordan. "Market data is usually reported centrally, and is often handled by central finance departments who are under all sorts of pressure to keep costs down. The whole of market data is usually under that function. So having a good handle on your users and whether they are pro or non-pro is critical to keeping costs down, because you don't want to pay professional fees for non-professional users."
However, determining whether an individual should be classified as a professional or non-professional user is easier said than done. Not only do definitions vary by exchange, they can also be counter-intuitive. Just because an individual is a retail investor trading their own money does not automatically mean they'll be recognized as non-professional. If they hold a professional financial certification, or if they registered their account using a business address or email, they may be deemed a professional investor, and therefore be subject to higher fees.
At the definitions level, there is still dissatisfaction about some cases. For example, an executive assistant at a bank may be registered with regulators but does not trade as a professional—but if they answer an exchange's questions correctly, they would probably be classified as a professional.
Tom Davin, FISD
Last year, Desjardins Securities (Disnat), the discount brokerage business of Desjardins Group, one of Canada's top 10 financial firms, encountered this challenge as part of a project to migrate away from legacy platforms run by Nexa Technologies. Disnat acquired the Nexa business from Penson in 2013 prior to the service provider's collapse.
The objective of the acquisition was to protect the platforms it had been using, but ultimately to wind down and close the legacy Nexa tools, and bring all technology management in-house, and establish direct relationships with exchanges for market data certification, says Richard Tardif, expert advisor for markets technology at Desjardins. In addition, the firm planned to have Disnat take over functions such as market connectivity, front-end development, building an entitlements system, and performing monthly reporting.
As a smaller firm, rather than devote senior data execs or hire dedicated staff to perform repetitive number-crunching tasks, Disnat outsourced much of its market data management function to New York-based consultants and service provider MDMS.
After about a year, as the firm started reporting, it realized the importance of reporting professional and non-professional usage, Tardif says—not only because of the cost differential, but also to avoid the need to dig up client records years down the line if the firm found itself subject to an exchange data audit. He warned management that exchanges will assume everyone is a professional unless the firm could prove otherwise, adding that in the event of a dispute, it might have to pay professional fees plus any retroactive fees.
Since the legacy Nexa toolkit—which has since been wound down—did not include any tool for performing in-depth analysis to differentiate professional and non-professional users, MDMS introduced Disnat to D8A Force (pronounced "DataForce"), a New York-based software vendor founded by Avinaash Bhuvaneshwar, a former market data executive at Nomura, Goldman Sachs, and Credit Suisse, who set up the company to address the pro-versus-non-pro issue.
"When I joined Nomura as exchange relations manager, I started attending FISD and SIFMA industry meetings, and everyone was talking about pro and non-pro. Nomura had no skin in that game, because it has no retail business, and I wanted that conversation to end so we could talk about more relevant things, so I started doodling ideas. When I bounced them off friends in the industry, I realized this was a big thing. So in December 2015, I left Nomura and founded D8A Force," Bhuvaneshwar says.
The resulting KYP (Know Your Professional) platform uses artificial intelligence to determine whether a customer—for each exchange, recognizing the differences in exchange policies—should be reported as a professional or not. On day one of an implementation, KYP can process a firm's entire existing subscriber base automatically in a fraction of the time it would take manually (estimated at up to 10 minutes per subscriber), and maintain that as new clients are onboarded.
At the start of 2018, D8A Force started working with MDMS. Bhuvaneshwar wanted to focus on the larger end of the market, while MDMS wanted to tackle more modest clients. Their agreement allows MDMS—with support from D8A Force—to use KYP to service retail brokerages with fewer than 100,000 accounts.
As a result, Tardif says Disnat is now in control of its data spend, which is not just good practice, but in practical terms gives the firm a clear picture of what's in its entitlement system, and the ability to match exchange data invoices on a user-to-user basis, whereas Nexa billed in a blended rate for all services, so it was hard to understand how much data on its own was costing the firm
In addition, having greater control over data usage means the firm has been able to reduce real-time data usage and fees for clients who don't need it. Now, on a monthly basis, Disnat re-challenges users who consume real-time data but don't trade a lot, enabling the firm to slash the number of users of real-time data—either because they didn't use it, or because using it would have designated them as a professional user.
While the firm hasn't calculated the savings—or savings from audit-cost avoidance—he says that around 20,000 customers may consume real-time data. Of that number, the KYP tool verifies that Disnat correctly classified 90% of users, and it also helps with the remaining 10% grey area that need extra work to ensure they are properly designated.
D8A Force isn't the only specialist player in this space. New York-based Prosparency is a service provider set up in 2016 specifically to address the pro-versus-non-pro classification issue. The company was founded by Weijian Zeng, who had previously worked as director of broker products and director of data management at Enso Financial Analytics, and as a senior developer at Interactive Brokers.
In those prior roles, he met Sara Banerjee—then director of data strategy execution at SIX Financial Information, who had worked at SIX and its predecessor, Telekurs, since 1989. With Banerjee's experience of data issues, and Zeng's technical expertise, the two joined forces and created the KYS (Know Your Subscriber) platform.
Industry Input
Like Bhuvaneshwar, Zeng became familiar with the pro-versus-non-pro issue—and Banerjee—as a result of her involvement in data industry association FISD's working groups addressing the topic. FISD managing director Tom Davin notes that even with industry-wide participation, the issue's complexity means it has remained unsolved since it first emerged along with the internet boom.
"Back in the 1980s, a non-professional getting access to real-time data would have been prohibitively expensive. But when the internet came into being, and online brokerages began offering trading over the web, there was essentially no connectivity cost for non-pros," Davin says.
However, the dot-com crash and, later, the post-credit crunch financial crisis may have contributed to exchanges' laser focus on non-professional usage. "It may have made exchanges more focused on compliance where professional users might be signed up as non-professional. If an online brokerage has millions of users and an exchange suspects that some of those are actually professional users, that's a significant amount of money."
Now managing director of Prosparency, Banerjee concurs that the issue has come to the fore in recent years as a result of the growth in online trading, and the need for brokers to verify thousands of clients to ensure compliance with exchange data policies, using still-largely manual processes based on honesty statements. Without an automated tool to perform this validation, firms simply can't keep pace with the requirements of their data providers, she says.
KYS uses machine-learning algorithms to categorize subscribers into professional and non-professional groups using a rating scheme—or a "probably" category, where gray areas still exist—by comparing data on individuals captured from public sources and social media against the rules of information providers and exchanges.
Prosparency has seen up to 20% of some firms' user bases unclassified or flagged as potentially misclassified.
"When you're dealing with tens of thousands or hundreds of thousands of subscribers, having a conversation with each one isn't possible," says Joe McAlinden, director of operations at Prosparency. "We measure our success in terms of the time saved. It depends on the size of a client's team, but if a firm has to go through 15% to 20% of its clients manually, it could take weeks or months. But 90% of that work can be alleviated by our product. Then the client has to go back and have a conversation with their customer, which can be difficult, especially if they've been untruthful—for example, the job they reported doesn't match what they listed on social media."
It may seem ludicrous, but multiple sources report instances of individuals who list their profession as a trader to impress others, and put themselves at risk of having to pay professional-level fees, while also increasing the compliance burden for their brokers.
Prosparency's clients range from large to small brokerages, as well as well as information providers trying to identify professional users misclassified as non-professionals. The vendor counts ICE Data Services and Interactive Brokers among its clients.
ICE declined to comment for this article, though ICE Data Services president and COO Lynn Martin has said previously that "companies like Prosparency… help us gain better insight into the types of subscribers utilizing our market data and trading platforms."
Not So Trivial Pursuit
This kind of insight is crucial for data providers and consumers alike. To a large firm, the cost differential can seem trivial until an exchange claims an error going back three years and someone tallies the cost multiplied by, say, 1,000 clients over 36 months, and then the firm has to go back and investigate customers claims and how they would qualify under the exchange rules, says Bill Lee, senior market data advisor at Interactive Brokers.
Users always say that if exchanges simplified their rules, they'd get paid on time. I suspect very few people are cheating. Most people want to be compliant and pay when they should pay, but aren't in a position to hire people to make it work—there are a lot of resources involved.
Bill Lee, Interactive Brokers
Suddenly, the costs aren't so trivial anymore, and exchanges can be (justifiably) aggressive about enforcing their fees, but sometimes seemingly without an appreciation for the amount of work required by brokers.
"Users always say that if exchanges simplified their rules, they'd get paid on time," Lee says. "I suspect very few people are cheating. Most people want to be compliant and pay when they should pay, but aren't in a position to hire people to make it work—there are a lot of resources involved."
Also, blame can be laid on both sides of the fence, he adds, citing cases where an exchange auditor will say a user should pay professional fees because their address is that of a brokerage firm, but who works in a non-trading role at a different, non-financial company that leases space in the same building. "I don't think any of that is malicious, but much of it is contentious," he says.
To prevent issues—which, if a large firm is found to have wrongly classified users over a period of time, could prove costly—from arising, Interactive Brokers has set up an 11-step process specifically to ensure it is classifying professional and non-professional users correctly. First, when a client opens an account, the firm runs the usual KYC checks required by regulators.
Then, it takes the information provided by the customer and runs it against its own client data to look for similarities, such as using the same email address, or the same family name as listed on other accounts. Then it provides the data to Prosparency, which checks it against 140 global data sources, and delivers a determination of whether a user should be reported as a professional or not.
"If everything else fails and we cannot determine whether they are a pro or non-pro, we contact the customer and ask them more pointed questions, or have them make changes. If someone calls themselves a trader on social media when they are not, we tell them to change it," Lee says. This isn't always a deliberate attempt to mislead brokers and exchanges—or a costly way to impress others on social media: "Sometimes, people have left a job but keep their old job title on LinkedIn, so they would be determined to be a professional."
Beyond social media and LinkedIn, capturing the data to validate an individual's status is a challenge in itself. D8A Force, for example, uses a database of residential addresses to verify whether the address of someone claiming to be "non-professional" is a home or business address, and databases of companies to be able to validate the employer information supplied by a client to see whether they work for a financial services firm. In addition, the vendor has created its own data sources, such as a database of roles and occupations that are "professional," as well as patterns of activity that would suggest an individual is a professional rather than a purely retail investor.
None of this data is scraped from websites, Bhuvaneshwar says, adding that after founding the company, he spent six months wrangling data to ensure it was compliant. "Our lawyers review the terms of each data source we use to make sure we're compliant. For the first few months, I probably spent more on lawyers to make sure the data—and the way in which we get the data—was compliant. I didn't want to solve one compliance problem only to cause another."
Ultimately, if a firm cannot satisfy itself that a client falls into the non-professional designation, it will treat them as a professional consumer of data.
It's not just the criteria that a client must satisfy to be designated non-professional that are a challenge for brokers. Exacerbating the issue is the fact that criteria vary by exchange and region. To this point, exchanges are reported to be working on "fairer" models. For example, NYSE has proposals to introduce three new tiers of fees for the SIP consolidated tapes that better reflect usage and value of the data, rather than specifically determining who consumes it (on the assumption that certain classes of investors will require one type of data, while others can make do with a different level of data.
Still, while there are efforts taking root to address these challenges, the industry still lacks any standardization around these criteria that would make it easier for firms to accurately report to any exchange they might trade on.
"Different exchanges have different rules about who is professional or non-professional. While in Europe, they tend to look at how the data is used, and whether it's your personal money being invested, the US has rules that if you work for a regulated firm, you're a professional," Lee says.
Where this becomes an issue, others say, is that you could work in any role at that regulated firm—from a senior executive who may or may not actually consume data as part of their job, to IT support staff who deal with data systems but don't consume the data itself, to a janitor—and still be deemed a professional investor when trading your own account.
"At the definitions level, there is still dissatisfaction about some cases. For example, an executive assistant at a bank may be registered with regulators but does not trade as a professional—but if they answer an exchange's questions correctly, they would probably be classified as a professional. And there has always been confusion when dealing with family trusts," says FISD's Davin.
However, Davin remains optimistic about the industry's ability to solve the pro-versus-non-pro challenge. "I think there are a lot of opportunities to automate these compliance efforts for everybody's benefit so that exchanges should be getting the correct amount of fees from the get-go, and brokerages don't have any lingering compliance issues," he says.
In the meantime, as the industry continues to work towards standards for defining pro-versus-non-pro, vendors like Prosparency and D8A Force can create something of a proxy standard. In June, Desjardins' use of KYP was certified by Canadian exchange TMX Group under its audit program. "We want to get the KYP software certified by exchanges," says MDMS president Scott Villa. "Then others can use it, and exchanges and the industry can be on the same page."
Industry Bodies: EU Consolidated Tape Needs Strong Governance by Esma
Industry Steps Up Calls for European Consolidated Tape
Buy Side, FISD Begin Industry Push for Alt Data Standards
Real Estate as a Tradeable Asset Class Faces Data Hurdles
Machine Learning Takes Aim at Black-Scholes
Bloomberg Advances on Cloud Data Strategy
Jordan & Jordan
Consolidated tape
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Today membership coordinator Jen Higley give us a recap on the October meeting paired with a boost for December's meeting. Welcome, Jen.
With November's Authors Fair taking the place of our general meeting, our next meeting is December's read-around potluck. That means speaking…in front of people.
Leading by example, Lightfoot asked us our goals for public speaking. When it became clear that overcoming speech anxiety was a high priority for this crowd, Lightfoot tailored his presentation to include many tips for remaining calm and organized. He recommends using tools—notes, props, etc.—over memorization, as nerves can cause you to lose your place or repeat sections. Good preparation before a speech can keep even a nerve-rattled brain more organized, and warming up your voice and practicing out loud will help you get in "the zone" to speak confidently and clearly. Focus on what you would like to accomplish (positives) over what you hope not to do (negatives). Still a little nervous? Before you head out, envision the crowd applauding and smiling, and you can even bring your own cheering section for added support.
So breathe deeply, and let the butterfly show begin!


This is a special board of myrtle that came from another customer. It came to me as partial trade for her instrument and I was happy to be able to get another instrument or two from it. She bought it for a furniture project that never happened, now it gets to be an ukulele! When the top is this interesting, picking the other parts can be pretty challenging. In this case, I played it safe and left everything else straight grain and stripey. The fir neck comes from my friend's property on Vashon Island, complete with bug holes. The pistachio comes from California Orchards.


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Q: How to perform Dependency Injection in DbContextOptions I am having issues performing dependency injection on dbcontextoptions.
I have a class that requires IMediator to be implemented via its constructor:
public interface IPermission
{
   void CheckValidation(int ID);
}

public class MyPermission : IPermission
{
  private IMediator _imediator;
  public MyPermission(IMediator imediator)
  {
      _imediator = imediator;
  }

   public void CheckValidation(int ID)
   {
      //codes for validation
   }
}

Note: This IPermission and MyPermission has already been added to startup for DI.
Now the big issue is I need IPermission to be implemented inside myContext class whose constructor does not accept any other injection.
This is my myContext:
public partial class myContext : DbContext
{
    public myContext(DbContextOptions<myContext> options) : base(options){}

    public override Task<int> SaveChangesAsync(Cancellation cancellation = default)
    {
        //this is the what i want to achieve
       _ipermisssion.CheckValidation(id);
       return base.SaveChangesAsync();
    }

}

Note: I used services.AddContextPool for DB connection.
i have tried the following solution:
public partial class myContext : DbContext
{
    private IOptionsSnapShot<IPermission> _ipermission;
    public myContext(DbContextOptions<myContext> options) : base(options)
    {
          _ipermission = this.GetService<IOptionsSnapShot<IPermission>>();
    }
}

But i am getting an error saying cannot resolve scope service 'Microsoft.Extensions.Options.IOptionsSnapShot' from root provider

redpajama_set_name: RedPajamaStackExchange


text:
/* Define to prevent recursive inclusion -------------------------------------*/
#ifndef __HW_CONFIG_H
#define __HW_CONFIG_H

/* Includes ------------------------------------------------------------------*/
#include "platform_config.h"
#include "usb_type.h"

/* Exported types ------------------------------------------------------------*/
/* Exported constants --------------------------------------------------------*/
/* Exported macro ------------------------------------------------------------*/
/* Exported define -----------------------------------------------------------*/
/* Exported functions ------------------------------------------------------- */
void USB_HW_Config(void);
void USB_Clock_Config(void);
void USB_Interrupts_Config(void);
void USB_GPIO_Config(void);
void USB_EXTI_Config(void);

void USB_Cable_Ctrl(FunctionalState NewState);
void Enter_LowPowerMode(void);
void Leave_LowPowerMode(void);

void Get_SerialNum(void);

#endif  /*__HW_CONFIG_H*/

/************************ (C) COPYRIGHT STMicroelectronics *****END OF FILE****/

redpajama_set_name: RedPajamaGithub


text:
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1. Select a foam stamp and place it in StazOn ink.
2. Gently but firmly apply stamp to bead and allow to dry.
3. Use Glaze to cover inked area and allow to dry.
4. Thread small bead onto head pin, add stamped bead, and another small bead.
5. Create a loop in headpin.
The glaze gives the ink a raised look.
StazOn ink pads have permanent ink, so they will dry beautifully on glass. But the stamps will wipe off! So you must coat the ink with something. Glassy Accents or similar products have a glass-like sheen. If you coat just the inked areas it will look like raised glass. Very Cool.
We were surprised by how well the foam stamps worked. We tried our rubber ones, but they didn't conform to curves in the glass as well as the foam stamps did.
If you do not know how to create a loop in a headpin, this site gives excellent advice and photos!


Yasmine's husband, Matt, is in Alaska making a wildlife film. When Yasmine and her deaf 10-yr-old daughter Ruby are told that Ruby's father, Matt, has died in a horrendous fire, they refuse to believe it. Even with a storm headed their way, they set out for the remote frontier where Matt is last known to have been.
I have to admit that the decisions that Yasmine makes do sometimes stretch reality quite a bit. Here she is with a little deaf girl, her own daughter, and she heads out to a section of Alaska with no one anywhere near to help, in complete darkness, with temperatures at minus 35, with a hurricane force storm on its way. There's bravery and there's love for your husband but then there's above all the need to keep your child safe. But I think the author does do a good job with some back flashes of Yasmine and Matt's life together and the desperation that Ruby not lose her father that make it believable.
This is a very well written book with a great plot. Ms. Lupton knows how to racket up the suspense. But if you're anything like me, you won't sweat as you read this thriller but instead will go put on an extra sweater as this is one frigidly cold book! The author's descriptions of the biting cold and raging winds are so detailed that you really feel that you're along for the ride in this Artic wilderness. I absolutely loved Yasmine, Matt and mostly little Ruby. I very much enjoyed the character study of this family and the trials that Ruby faced as a deaf child. Also interesting were the wildlife lessons that Matt taught Ruby, the politics and dangers of fracking and the history of the region's people.
I won an ARC edition of this book in a LibraryThings contest.


text:
Dr. Hoyt Gravesite
Dr. John Schuyler Hoyt's grave is located on a rise near the southern end of Pahranagat Valley. He died in Delamar from complications of Bright's disease, which affected the kidneys. His obituary appeared in the Delamar Lode on February 4, 1895:
Dr. John S. Hoyt died at 11 o'clock Friday afternoon. Dr. Hoyt was born at Addison, Stuben county, New York, February 8, 1836. He was a government surveyor for several years. Dr. Hoyt was a learned man and a medical graduate, having graduated from the Cincinnati Medical Institute, his first preceptor being Dr. W.C. Scott. He practiced medicine in the Eastern States for several years. His illness dates back to 1893, from which he has been a constant surgeon till his demise. The cause of his death was Bright's disease and consumption. Dr. Hoyt was a typical gentleman and has been known in this section for a number of years, although his residence here has not been continuous. He was a man of very pleasant disposition and address, withal, a man who made many friends wherever he went. The taking away of such a man has cast a deep gloom over the community, evincing the regard in which he was held, and teaching again the lesson of the uncertainty of life. Dr. Hoyt leaves four children and a beloved and devoted wife to mourn his loss. The children are living in Colorado and are William H. Hoyt, Edward Hoyt, James A. Hoyt and Mrs. Emma R. Grover. He was a cousin to Senator John Sherman and General W. T. Sherman. At 2 o'clock pm, on Saturday, the remains, followed by a large cortege, were taken to the lower end of town where the last rites were said over the deceased. The funeral services were conducted by Dr. A. Bjornman. The services were very appropriate and impressive, many friends being moved to tears. The Lode sympathizes with the wife and children. Nebraska, Colorado and Utah papers please make note.
John S. Hoyt M.D.
I Visited Dr. Hoyt's Gravesite
Find a Grave, "Dr John Schuyler Hoyt (1836-1895)"

redpajama_set_name: RedPajamaCommonCrawl


LeeJessup.com / Posts tagged "screenwriting business"
For most every writer trying to break into the industry, selling a feature spec and making it onto The Black List would mean screenwriting success. So why, after achieving this, did Screenwriter Eric Koenig decide to walk away? In my latest blog post, Eric shares his screenwriting experience.


Lidl U.S. has named former top Aldi executive Roman Heini as its chairman, effective March 1. The announcement was made Feb. 8.
Heini, who joined Lidl last October, will relocate to the company's Arlington, Virginia, headquarters to collaborate with the management team led by Lidl U.S. CEO Johannes Fieber. Together, the team will continue to focus on supporting and optimizing Lidl's U.S. store operations, its Best Market integration in New York and New Jersey, and the grocer's ongoing expansion into new markets along the East Coast.
Heini's appointment as chairman also reflects the company's commitment to the American market and strengthens Lidl's ability to support dynamic business development in the future. In taking responsibility for the American business, Heini will build on the work of International Board member Michael Aranda, who will assume new responsibilities on Lidl's management board in Europe.
Heini held a variety of roles with Aldi South over an 18-year period, according to reports.
Lidl operates about 10,500 stores in 29 countries. Lidl first established its U.S. headquarters in Arlington County, Virginia, in June 2015, and today has more than 60 stores in nine East Coast states.


We all have hang-ups, stemming from past experiences or just the way we're made. However, these can get in the way of a good relationship. Your loved one can't cure your hang-ups and if you expect them to it can spoil things between you.
Take control and ditch your hang-ups for true fulfillment.
Do you want your lover to think you're perfect in every way? Do you compare yourself to celebrities and want to be like them? Maybe you believe you just can't be lovable if you have faults and you want your lover to reassure you that you're The Best, and you get upset if they don't.
If you have a need to be perfect, this possibly arises from your past, when you felt the love given you was conditional and would only come your way if you excelled. Possibly you just feel inferior a lot of the time and long to be told you're perfect because it's the only way to ensure you'll never be inferior, to anyone!
Of course that's nonsense. There's no such thing as perfect, and anyway it's all a matter of opinion. Your lover loves all of you, and it's often those 'imperfections' that make you adorable. Learn to value your uniqueness and realise you are perfect as an individual, being – a child of the star.
No-body can please all the time. There are bound to be times when you can't get it right with your lover. We all have off-days, times when we are impossible to please – or you may have a mood when you feel grumpy and contrary. That's normal.
If you try too hard to please, how can 'you' be 'you'? Accept that sometimes you and your dear one won't be so happy with each other. It's about being human, that's all.
We all have a past. Your lover does and so do you. Unless you met at primary school and have been sweethearts since you were five, there will have been other loves, other relationships. Even if you did meet as infants, there are sure to have been other people you liked along the way.
You've had a past too. Does it make any difference? Aren't you now a different person from what you were, years ago? Why worry about what that 'other person' that your lover was in the past, spoil what you have now – vibrant and ongoing, full of promise for the future. Get over it!
Why do you have to be 'right'? What's so great about having the last word and getting your loved one to give in? Needing to be right often comes from insecurity because deep inside you're afraid that you are wrong!
In so many situations there is not 'right' or 'wrong'. There are just different points of view. Learn to accept that you don't have to get anyone elses's agreement in order to keep to your own truth, and honour your own views.
The love between you matters more than any point of principal, so focus on that and be content.
Are you constantly beating yourself up for making mistakes? If so, you're probably wanting your dear one to reassure you all the time. But no-one else can make you feel good about yourself. Lack of self-esteem is like having a bucket with a hole it. However much reassurance you get, it leaks away. Soon you're feeling rubbish again.
If your lover carries the continual weight of convincing you you're okay, how is that going to work? Find ways of boosting yourself without giving them the job. Better still, find someone else to help. Our supportive Readers are always available, to give you greater understanding.
How do you tolerate time apart? Do you relish it, find it gives you chances to do what isn't available within the partnership, and that it makes the partnership more exciting when you're back together?
Or are you uneasy when your partner's out of sight, wondering what they are doing and feeling incomplete without them?
When you're deeply in love it's natural to want to be together, but it isn't healthy to be in each others' pockets. If this is what you want then that's down to your insecurity. It isn't up to your lover to make you feel good by staying with you all the time.
Ask yourself why you may feel like this? Were you abandoned in the past? Have those you cared for been unreliable? Whether this is obvious or not, what is obvious is that your lover can't fix it and it isn't fair or good for the relationship to suffocate them.
Take up some absorbing pastimes, develop good friendships and make an effort to be happy apart. Then you'll be happier together.
This is something else that comes from insecurity. If you're always trying to control your partner, what they do, the decisions you both make in life, your home environment, your mutual friends – what a strain! It's stressful for you and tedious for your partner. After all, they are entitled to their wishes also – think how you would feel if someone was always trying to control you!
Let go of control and foster adaptability and openness. It'll be easier on your nerves and could make life more exciting!
By contrast, you may always want your lover to make the decisions. Perhaps you live by their rules, adopt their opinions, map your life according to their visions – and, of course, live by their opinion of you! That's not okay.
Learn a very important lesson – you are a strong individual in your own right. You don't need anyone's say-so in order to follow your life path, nobody else's opinions can define you!
If you feel you've given your power away, have some time alone to meditate and reflect. Start to listen to the small voice within you and let it become stronger. That's your individuality, your true self speaking up. It's the only power that matters.
You've had the chance to consider some hang-ups that could make your relationship less healthy. These include needing to be perfect, to please, obsessing on the past, being right, needing reassurance, demanding too much closeness, controlling and giving your power away.
Be honest with yourself. Could any of this affect you? If you need help with any relationship issues, our expert Readers are always available to give advice, so don't struggle – call today and feel supported and reassured.


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Global Smartphone Screen Protectors Industry
Global Industry Analysts
Global competitiveness and key competitor percentage market shares
Market presence across multiple geographies - Strong/Active/Niche/Trivial
Online interactive peer-to-peer collaborative bespoke updates
Access to our digital archives and MarketGlass Research Platform
Complimentary updates for one year
Global Smartphone Screen Protectors Market to Reach $84.1 Billion by 2027
In the changed post COVID-19 business landscape, the global market for Smartphone Screen Protectors estimated at US$39.6 Billion in the year 2020, is projected to reach a revised size of US$84.1 Billion by 2027, growing at a CAGR of 11.4% over the analysis period 2020-2027. 2.5D, one of the segments analyzed in the report, is projected to record a 12.8% CAGR and reach US$36.3 Billion by the end of the analysis period. Taking into account the ongoing post pandemic recovery, growth in the 2D segment is readjusted to a revised 11.4% CAGR for the next 7-year period.
The U.S. Market is Estimated at $10.8 Billion, While China is Forecast to Grow at 16.9% CAGR
The Smartphone Screen Protectors market in the U.S. is estimated at US$10.8 Billion in the year 2020. China, the world`s second largest economy, is forecast to reach a projected market size of US$19.9 Billion by the year 2027 trailing a CAGR of 17% over the analysis period 2020 to 2027. Among the other noteworthy geographic markets are Japan and Canada, each forecast to grow at 6.5% and 10.3% respectively over the 2020-2027 period. Within Europe, Germany is forecast to grow at approximately 7.8% CAGR. Led by countries such as Australia, India, and South Korea, the market in Asia-Pacific is forecast to reach US$11.7 Billion by the year 2027.
3D Segment to Record 9.9% CAGR
In the global 3D segment, USA, Canada, Japan, China and Europe will drive the 9.9% CAGR estimated for this segment. These regional markets accounting for a combined market size of US$5.7 Billion in the year 2020 will reach a projected size of US$10.5 Billion by the close of the analysis period. China will remain among the fastest growing in this cluster of regional markets. Latin America will expand at a 11.5% CAGR through the analysis period.
Select Competitors (Total 42 Featured) -
Clarivue
Corning Inc.
FeYong Digital Technology Limited
Halloa Enterprise
Harito
IntelliARMOR
Jiizii Glass
NuShield
Ryan Technology
Shenzhen Yoobao Technology
Xtreme Guard
ZAGG Inc.
$5600 - 1 User License - PDF $7840 - 1-5 User License - PDF $10640 - 6-10 Users $13440 - 11-15 Users $16800 - 16-30 Users
Managed Services Market Size, Share & Trends Analysis Report By Solution, By MIS, By Deployment, By Enterprise Size, By End Use, By Region And Segment Forecasts, 2023 - 2030
Managed Services Market Size, Share & Trends Analysis Report By Solution, By MIS, By Deployment (On-premise, Hosted), By Enterprise Size, By End Use (Government, Healthcare, Retail), By Region, And Segment ...
ICT Expenditure
Global Software-defined Wide Area Network (SD-WAN) Market 2023-2027 $ 2500 December 2022
IDC FutureScape: Worldwide Supply Chain 2023 Predictions $ 4500 October 2022
Asia-Pacific Managed Network Services Market Forecast to 2028 – COVID-19 Impact and Regional Analysis – by Type, Deployment, Organization Size, and End-Use Vertical $ 3000 October 2022
Utilities Smart Customer Operations Quarterly Update: October-December 2022 $ 4500 February 2023
Japan Data Protection Solution Market Forecast 2022-2026 $ 4500 January 2023
Europe Travel and Expense Management Software Market Forecast to 2028 – COVID-19 Impact and Regional Analysis – by Deployment, Enterprise Size, and Industry $ 3000 January 2023
Factoring Services Market Size, Share & Trends Analysis Report By Category, By Type, By Financial Institution, By End-use, By Region And Segment Forecasts, 2023 - 2030 $ 4950 December 2022


Sibley, Iowa — Three Osceola County grain elevators were hit by burglary over the weekend.
The Osceola County Sheriff's Office reports they are investigating the three burglaries. Elevators in the towns of Ashton, Allendorf, and Ocheyedan all reported burglaries on Monday (7/29/13) in the office area of the elevators.
Reported taken in each of the burglaries was an undisclosed amount of cash.
Anyone with information is encouraged to contact the Sheriff's Office at 712-754-2556 or send an anonymous tip through Text-A-Tip at www.sheriffosceolacounty.org.
Sibley, Iowa — If you travel Highway 60, you may see a huge American flag in the near future. In fact, it's not impossible that you could see the symbol of liberty from Highway 9 as well.
A while back, Bob Sterler of Sheldon got an idea that he wanted to honor servicemen and the United States with a large flag. We talked to Sterler and he told us about his idea.
He says he and his brothers are all veterans.
Sterler says he had an idea to share the cost. If the city would buy the pole, he would buy the flag.
He says there's going to be a special program when the flag is raised.
Sterler says there's even a plan in place for the replacement of the flag.
In case you're wondering, Sterler says the flag itself costs $500. He says they also got a good deal on the shipping of the 80-foot pole as well. Sterler says it will be the biggest flag in northwest Iowa.
As one of America's favorite snack foods, popcorn is a tradition that goes all the way back to early Native American civilization when popcorn was both eaten and worn as necklaces or headdresses. When early European settlers came to America they used popcorn as a breakfast cereal and ate it with milk and cream. Popcorn didn't become commercially popular until the great depression. As popcorn was a very cheap snack that almost anyone could afford it started to gain in popularity. During World War II, consumption of popcorn further increased as a result of a sugar shortage, which created a scarcity of candy. Today, the yearly per capita consumption of popcorn in the United States is nearly 52 quarts.
Most of the popcorn eaten throughout the world is produced in the United States grown primarily in Indiana, Nebraska, Ohio, Illinois, Iowa, Kentucky and Missouri. Up until the 1940's, western Iowa was the leading popcorn producer; however, now Nebraska is the top producer.
Popcorn comes in many different colors such as red and black and our more commonly grown varieties yellow and white. Popcorn grows well in most any place field corn does. Plant popcorn in several short rows for best results. Keep in mind that you should avoid placing popcorn and sweet corn in the same garden as this can negatively affect the quality of the sweet corn. During the growing season, popcorn needs 18 to 24 inches of water. Water deficiency can reduce yield. Moisture is especially important while the corn plant is tasseling and silking so supplemental irrigation may be necessary.
Once the husks have dried down, the kernels have become hard and the moisture content is around 35%, the ears are ready to harvest. Store them in a well-ventilated place to continue drying. The optimal moisture content of popcorn is around 13.5 to 14%. Popcorn has a thicker hull than any other type of corn. As pressure builds from the moisture inside the kernel being heated, the starch inside of the kernel turns gelatinous. When the hull finally burst the jelly-like starch spills out and when it cools forms the familiar popcorn shape. However, if the popcorn has too much moisture, it will be chewy and if it is too dry, many of the kernels will not pop.
To test the readiness of the popcorn, shell and pop a few kernels each week while they are drying. If the popcorn is chewy, then the kernels should continue drying. If, however, they pop poorly and there are many un-popped kernels, water must be added. Take one tablespoon of water and add it to a quart of popcorn. Mix well a couple of times during the day and then wait 2 to 3 days before trying to pop again. If it still pops poorly, repeat the process. Once the popcorn pops well and is no longer chewy then it is time to shell the rest of the ears. Store the kernels that you have gathered in a moisture proof container. If you are storing your popcorn for long periods, you can place it in the refrigerator.
Nutritionally popcorn provides nearly 67% as much protein by weight as beef and about 10% more iron and calcium. It is also packed full of energy with 1.5 ounces providing the equivalent energy as two eggs. In addition, popcorn is a whole grain that provides lots of fiber with one cup having fewer calories than a medium-sized grapefruit.
There are many ways to cook popcorn. One way is on the stove top. Add two tablespoons of oil per half cup of popcorn to a frying pan or sauce pan. Place the pan over medium high heat. Add a couple of kernels and cover the pan with a lid. Once the kernels start to sizzle or pop add the rest of the popcorn. With the lid on continuously shake the pan until the popcorn finishes popping. Add a little seasoned salt or herbs and enjoy.
For any questions, please feel free to contact me at my email clloyd@iastate.edu, by phone at (712) 737-4230 or through your local County Extension office. Additional information was provided by the Purdue University Extension Alternative Field Crops Manual article Popcorn (2013), the Popcorn Board website accessed July 2013, and the Agricultural Marketing Resource Center online article Popcorn Profile (2013).
Sibley, Iowa — A Sibley man was taken to the hospital after an accident on Wednesday (7/24/13).
The Osceola County Sheriff's Office has just released a report that says about 4:35 PM, 56-year-old Robert Grave of Sibley was driving a 1996 Chevrolet Suburban southbound on Fifth Avenue near Tenth Street in Sibley. Grave lost control of the vehicle, which jumped the east curb before striking a tree head on.
Grave was taken to the Osceola Community Hospital by the Sibley Ambulance crew.
Grave's Suburban sustained about $8500 damage.
July 25, 2013, Clayton Ahsbahs, Jr,age 41, of Hartley, IA, plead guilty to Operating While Intoxicated, First Offense and Driving Under Suspension, committed on September 4, 2012. The defendant is to pay fines and surcharges of $1697.50, the costs of this action, and restitution of any court appointed attorney fees, if any. He is sentenced to imprisonment in the Osceola County Jail for 1 year with all but 14 days suspended during a 2 year formal probation to the IA Dept of Corrections. The defendant shall receive credit for 18 hrs 35 minutes previously served for this offense. Ahsbahs was arrested during a traffic stop September 4, 2012.
July 17, 2013, Jennifer Miller, age 19, of George, IA, plead guilty to Possession of Marijuana, committed on April 5, 2013. The defendant is to pay fines and surcharges of $1350.00, the costs of this action, and restitution of any court appointed attorney fees, if any. She is sentenced to sixty (60) days in the Osceola County Jail, all time suspended during a two (2) year informal probation to the Sheriff. The defendant shall receive credit for three (3) hrs nineteen (19) minutes previously served for this offense. Miller was arrested during a traffic stop April 5, 2013.
Sibley, IA — Five people were injured in an explosion at a Sibley manufacturing plant late Saturday morning. Lt. Seth Hoffman of the Osceola County Sheriff's Office says the explosion at Timewell Tile in southeast Sibley was first reported by neighbors to the plant.
Hoffman says there were five people working in the plant, and two outside, when the explosion occurred.
He says five people suffered varying degrees of burns in the incident.
Hoffman says all five of the injured were transported, by ambulance, to the Osceola Community Hospital in Sibley. Two were later airlifted to Avera in Sioux Falls, two others were taken to Sioux Falls by ambulance, and one was treated and released.
Hoffman says the cause of the explosion hasn't been determined.
Sibley, IA — The Osceola County Sheriff's Office has upgraded to a new 911 and telephone system at their Communications Center in Sibley. Head Dispatcher Judy Top talks about some of the enhanced capabilities of the new system.
Top went on to explain how the new CAD system works.
The Osceola County Sheriff's Office has long had an Enhanced 911 system, but Top says the new system takes that to a whole new level.
The new system was rolled out this past Tuesday.
The 2013 All Siouxland Conference Softball Teams are out. Boyden Hull Rock Valley and George Little Rock Central Lyon lead the way with four first teamers each.
Ashton, Iowa — An Ashton man is behind bars, accused of felony drunk driving.
On Saturday, (7/13/13) the Osceola County Sheriff's Office arrested 32-year-old Mark Alan Baker Jr. of Ashton. Baker was charged with the alleged crime of Operating While Intoxicated 3rd Offense, a Class D Felony and was also issued a citation for No Insurance.
Baker is currently in the Osceola County Jail on a $5000 cash bond. The arrest stems from a traffic stop near Ashton.
Sibley, Iowa — Two Sibley residents have been arrested on drug charges, thanks to a texted tip.
The Osceola County Sheriff's Office reports that on Wednesday (7/10/13), their deputies carried out a search warrant at 1016 2nd Avenue West in Sibley.
Following the search, deputies arrested 27-year-old Heather Nicole Lavoie and 26-year-old Reyes Valles Ontiveros, both of Sibley. They were charged with Possession of Drug Paraphernalia (Simple Misdemeanor), and Possession of a Controlled Substance (Serious Misdemeanor).
Lavoie and Ontiveros were released after they each posted a $1,300 bond.
The sheriff's office started the investigation after receiving an anonymous Text-a-Tip. The Osceola County Sheriff's Office has received over 90 anonymous texted tips since implementing the program in 2008.


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: Thirty Years of the Gordon Bell Prize
Gordon Bell
TimeTuesday, November 14th3:30pm - 4:15pm
DescriptionThe Gordon Bell Prizes have chronicled the important innovations and transitions of HPC beginning with the first award in 1987. Gustafson, Montry, and Benner demonstrated Amdahl's Law was not impenetrable. By 1994, MPI provided both a model and standard for rapid adoption, Beowulf became the recipe for building clusters, and a Thinking Machines cluster significantly outperformed the fastest Cray shared memory multiprocessor. The prize has recognized every gain in parallelism from widely distributed workstations to the Sunway 10 million core processor in 2016. The overlap from the Seymour Cray recipe of a shared memory, multi-vector processor (aka Fortran Computer) to today's multicomputer turned out to show up and be incredibly fast. Hopefully, the prize has helped the rapid adoption of new paradigms, e.g. GPUs and possibly FPGAs. The prize also recognized the value of specialized hardware. Finally, the prize recognizes the tremendous effort and creativity required with algorithms, computational science, and computer science to exploit the increasingly parallelism afforded by the computers as seen in the increase in number of authors.


In the course of a person's life, many sorts of legal services are needed. Although many duties of those legal assistants are just like these of the lawyers, there is a broad distinction within the obligation of the two professionals. Moreover, a taxpayer that is topic to the choice minimum tax is precluded from deducting certain bills, together with legal professional's fees that might in any other case be allowable as miscellaneous itemized deductions.
Officers' and administrators' legal fees in by-product suits for breach of fiduciary duty in the conduct of the corporation's affairs have additionally usually been held deductible. Contacting a private harm legal professional after the auto accident stays an necessary step in understanding and preserving your rights to a fair decision of the non-public damage case.
Such fees, due to this fact, are nondeductible as private expenditures. If multiple interpretation could be given to a suggestion, neither interpretation will be followed by the Courts. When individuals flip to the courts they naturally expect the judges and prosecutors to behave with ethics and honesty.
Owners in foreclosures will usually miss the preliminary hearing date because they're unfamiliar with the legal course of and easily don't perceive how foreclosure will work in the courtroom system. One other term for a criticism is a petition, and both phrase may be used to explain the same document, depending on the county and court docket where the lawsuit is filed. Colorado State College provides a cannabis research minor focusing on social, legal, political and health impacts.
Quantities paid for legal and other professional services may, depending on the factual circumstances and the flexibility of the taxpayer to meet the relevant legal necessities for deduction, have the following tax penalties: (1) a deductible expense or as one of the three categories of deductible nonbusiness bills: (2) a private expense which is nondeductible; (3) a capital expenditure which is nondeductible, but which may be topic to depreciation or amortization; (4) a deductible loss; or (5) a mix of the foregoing.
Legal expenses, nonetheless, and amounts paid by an organization in defending or settling suits towards employees arising out of the enterprise are deductible by the corporation since such expenditures are deemed to be for the benefit of the corporation.
A taxpayer cannot deduct legal and skilled fees paid or incurred in a taxable yr (even if they are shown to be extraordinary, necessary and affordable and meet the other necessities herein mentioned) until the taxpayer can show that the expense was paid or incurred in carrying on a trade or enterprise.
Discovering and retaining a lawyer is dear. Since LegalZoom usually makes use of computer technology to render legal companies at lower costs than conventional attorneys, it's incessantly cited for instance of " disruptive innovation " in the legal market. For instance the large transfers of cash for house purchases and legal charges are fairly completely different to that of a traditional business.
Whereas the legal professionals can characterize the case within the court, set legal fees or provide legal recommendation, a paralegal has no authority to carry out these tasks. A person taxpayer is entitled to deduct any legal or other professional payment, which is extraordinary and vital and paid or incurred throughout the taxable 12 months in connection with the dedication, assortment, or refund of any tax.
Most legal kinds differ from state to state in order that the most effective websites may have the suitable types out there no matter what state you live in. The individual fills out the right type and within minutes, a document is created that's legal and binding, and will be filed on the native courthouse.
seventy six This grew to become known as the Corpus Juris Civilis As one legal historian wrote, "Justinian consciously regarded back to the golden age of Roman law and aimed to restore it to the peak it had reached three centuries before." 77 The Justinian Code remained in power in the East until the autumn of the Byzantine Empire Western Europe, meanwhile, relied on a mix of the Theodosian Code and Germanic customary legislation till the Justinian Code was rediscovered within the eleventh century, and students at the College of Bologna used it to interpret their own legal guidelines.
You may organize to have legal research and writing completed by a wide range of companies. It ought to be noted, however, that although no instant tax profit is derived from legal or other skilled bills which might be categorized as personal, capital expenditures are added to the premise of the property and may be recovered either when the property is disposed of, or as depreciation or amortization deductions over plenty of years.
Although the Code specifically permits a deduction for certain private expenses (e.g., alimony, charitable contributions, and so on.), as a general rule, expenditures which are strictly personal aren't allowed as a deduction. In these personal harm circumstances, a very powerful factor in maximizing the recovery for the injured sufferer or the surviving family members entails proving the driving force was impaired by medication or intoxicated by alcohol.
Another time period for a grievance is a petition, and either word may be used to explain the same doc, depending on the county and courtroom the place the lawsuit is filed.
Handwriting analysis, the science of understanding the character and personality from one's handwriting, has loved elevated reputation and increased use over the last decade. In distinction , in " civil law " methods, legislative statutes are sometimes more detailed, and judicial selections are shorter and less detailed, because the decide or barrister is barely writing to decide the single case, slightly than to set out reasoning that may guide future courts.
This type of lawyer also can assist an existing enterprise with legal recommendation on expansion and other issues associated to business development. For nearly any harm a person suffers, this is the type of lawyer a person must call. Legal fees and different expenses paid for the administration or conservation of actual property held in connection with a taxpayer's interest or related activity, or because the taxpayer's residence aren't deductible.
These companies ensure the proper forms are prepared and 100% legal. Regarded by scholars, jurists, leading attorneys and reviewers as one of the crucial practical works of its form, The Folks's Regulation Dictionary is a comprehensive source of meanings and use for 1000's of in the present day's most common legal terms.
Below this concept, the origin and character of the claim with respect to which the legal or other skilled fee was paid or incurred is examined to find out whether it arose from a personal or capital transaction or whether or not it is related to a business or profit-searching for exercise.
About one million youngsters are affected by divorces within the U.S. every single year. One other common legal want for individuals is household regulation. Civil legal professionals will generally select one or more areas of legislation to concentrate on. Should you want assistance with tax laws, you should go to a civil lawyer who focuses on tax legal guidelines. California legal guidelines prohibit tow companies from stopping at a stranded motorist situation for the aim of soliciting business.
Nevertheless, it's preferable for an expense to qualify as an expense that is related to a trade or enterprise apart from the trade or business of being an worker, because legal charges which can be related to the trade or business of being an employee, are miscellaneous itemized deductions, that are topic to the ground and the general limitation on itemized deductions.
Jorge Lopez, left, and his mom Ana Chavarin (right) chat throughout a study break at Pima Group School final December. So as to be deductible as a trade or business expense, legal and skilled fees have to be: (i) incurred in carrying on a commerce or enterprise; (ii) ordinary and crucial; (iii) cheap in amount; (iv) paid or incurred in the course of the taxable year in which the taxpayer seeks to deduct them; and (v) paid by the individual to whom the companies are rendered.
Have the courts require the cheater to sell his or her business or other assets to give you your justifiable share of the marital property. Ohio State College, Harvard, the College of Denver and Vanderbilt supply courses on marijuana policy and regulation.
In the middle of a person's life, many varieties of legal companies are needed. 186 The law of the trendy company started with the Joint Inventory Firms Act 1856 , passed in the United Kingdom, which supplied traders with a simple registration process to gain limited liability beneath the separate legal character of the corporation.


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Man Utd news: Shock star identified as solution to Jose Mourinho's defensive woes
MANCHESTER UNITED star Nemanja Matic is the answer to Jose Mourinho's centre-back problems.
By Callum Vurley / Published 19th October 2018
Man Utd star Nemanja Matic has been told he is the solution to Jose Mourinho's woes (Pic: GETTY)
That is the opinion of former United star Clayton Blackmore, who was speaking on Love Sport Radio.
The Special One was determined to sign a new defender in the transfer window with Toby Alderweireld, Harry Maguire and Diego Godin all linked.
However, his efforts were blocked by United chief Ed Woodward who wanted Mourinho to work with what he had already - the two centre-backs he bought in the previous two summers; Eric Bailly and Victor Lindelof.
The ex-Chelsea coach has been left frustrated by that decision, with the likes of Ander Herrera and Scott McTominay being deployed as auxiliary defenders with disastrous results.
Man Utd star Anthony Martial 'close to signing new deal' despite Jose Mourinho rift
Man Utd boss Jose Mourinho sent backing from rival star - Players ARE in his corner
Man Utd news: The REAL reason behind Alexis Sanchez poor form revealed
But another midfielder has been earmarked as a potential answer to Mourinho's plight - Serbian star Matic.
The 30-year-old arrive at Old Trafford last summer and has been an ever-present in United's starting XI ever since.
And former Red Devils ace Blackmore believes that the defensive midfielder should be used in the back-line to allow Herrera back into his natural position.
"Luke Shaw has been fantastic every time he's played for us," the former Premier League winner said.
Man Utd boss Jose Mourinho has been under pressure (Pic: GETTY)
Man Utd 'on verge' of new contracts for TWO Jose Mourinho first-team stars
"He's really fast going forward, he uses the ball well and it's a no-brainer [to give him a new contract].
"He's fantastic in midfield but centre-half would be a doddle for him. Him and Smalling – I'd be quite happy with that.
"Herrera last year was one of our best players and he's not been able to get in the team this year so I'd play him next to Pogba. Matic is very good at playing out.
"He's dead calm and the last time we had a really calm centre-half was Daley Blind, who wasn't the quickest but he was a very good player and reads the game very well. We won three trophies when he played."
Man Utd news: The THREE stars Jose Mourinho has personally watched and scouted
Man Utd lead Liverpool and Everton in hunt for wonderkid: Chief confirms transfer talks
Man Utd next boss: Zinedine Zidane's former team-mate reveals what France legend will do
United have struggled this year and there have been rumours that Mourinho is on the verge of being sacked.
However, former Chelsea winger Pat Nevin believes that the Portuguese coach can survive and prosper once more.
"With Mourinho you will always get trophies and success. It might not be a happy place but he does deliver success," Nevin told BBC Radio 5 live.
"The system he has adopted throughout his career has been very successful, but the question has now arisen as to whether he is a dinosaur and if he is outdated? I don't think he is."


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Half width may refer to
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redpajama_set_name: RedPajamaWikipedia


If someone verbalizes to himself something like "I promise not to drink Coke for a year" and his intention is to create a prohibition for himself, what does the halacha have to say about this case?
Is it prohibited for him to now drink Coke for a year? Why?
According to the expalanation in this article, yes, he does have to refrain unless annuled based on the notion that he made the vow unwittingly.
The first mishna in Nedarim states that כנויים "equivalent terms" for neder, charamos, or shevua are treated as if they are actually a neder, cherem, or shevuah. This would imply that "I promise" would be treated like the alternative terms given in Aramaic.The Art Scroll gemoro notes on the first mishnah point out that a neder is a Chovat Cheftzah (apply to the object), while a shevuah is a Chovat Gavrah (apply to the person).
However, as applied to the meaning. the words "I promise" would seem to be the modern equivalent of saying "I am making a neder" while "I promise Hashem" (or some other reference to Hashem) is like "I swear" and is meant to be a shevuah.
Shulchan Aruch Yore Dea 210 states: "A neder does not "take" until it is verbalized aloud, and the words said have to match the intention." The same rule applies by shevuot (oaths). Therefore, the person who only thought of a prohibition has not created a neder and the Coke is not prohibited to him.
I made a promise in a business transaction, when i asked a halachic question of Rav Asher Weiss's Beit Din in Ramot about whether i needed to honor my promise or not, upon answering a few questions i was told that i do not have to. The basic situation was that since the other party was changing the terms of the agreement upon which the promise was made (derech Lavan) so my word was no longer binding. Although this does indicate that ones word has strong legal ability but each case may have different circumstances.
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