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31 July 2017 / Money
When will the FCA crackdown on punitive overdraft charges?
Jane Wallace	Public Affairs Manager
Last year the Competition and Markets Authority concluded its two-year long banking inquiry, but the inquiry failed to tackle unarranged overdraft charges. Now the Financial Conduct Authority has agreed to review these unfair fees. So will this finally resolve the problem?
As many of you will know, Which? has been voicing its concerns around pernicious unarranged overdraft fees for quite some time now. Back in July, our research found that some banks are charging four times as much for an unarranged overdraft than a payday loan, making the sector a staggering £1bn-plus in funds.
At the time, we'd hoped the Competition and Markets Authority (CMA) would deliver a fairer regime as part of its banking inquiry and announce robust plans to tackle unarranged overdraft fees. However, when the CMA delivered its report in August, such plans were clearly missing.
The CMA's plans to tackle these extortionate unarranged overdraft fees came in the form of a cap on charges, but a cap that would be set by the banks themselves. So just months after the CMA concluded its banking investigation, the Financial Conduct Authority (FCA) will now pursue it's own review into overdraft fees and high interest loans.
Fairer overdraft fees
We were concerned that the CMA's proposals wouldn't be enough to control these extortionate fees. And we weren't the only ones who were worried about this. Many of our campaign supporters told us that more needed to be done.
Some shared their dissatisfaction with the current system on Which? Conversation, too.
Supporters like JoH, who told us:
'I have an issue with banks allowing overdrafts to people who clearly will not be able to repay the loan. A young person I know was recently allowed to run up a large overdraft even though he has been on welfare benefits from some years. This individual also suffers from mental health issues and I feel that the banks are preying on the most vulnerable to boost their profits. They should have a duty of care to their most vulnerable customers.'
As Wendy Dunne explained:
'To charge astronomical fees to those people who go into overdraft, particularly by a small amount, is morally unacceptable. It's like kicking someone who is already down.'
Summed up quite nicely by Keith Tindill, who said:
'Bank customers should be treated fairly and transparently.'
These charges are a problem and action is needed, a cap that the banks can set themselves isn't going to be enough. This is why we've been raising your concerns at every opportunity, as well as calling for the FCA to take action after the CMA's inquiry failed to resolve the problem.
Most recently, our CEO Peter Vicary-Smith raised this issue at a session in Parliament declaring 'somebody has to stand up for these consumers and say to the banks that this is the wrong way to be making profit'.
So, the FCA has agreed to investigate bank overdraft and loan fees. It was the FCA who brought forward the cap on payday loans and we hope it will act strongly here, too, delivering a fairer system for customers.
Regulator responds
[Update: 31 July 2017] The FCA has agreed to undertake further research into unarranged overdrafts after publishing its report into high-cost credit today.
In its feedback statement published today, the financial regulator has expressed concerns about how unarranged overdrafts operate and noted that charges are high, complex and potentially harmful.
The FCA believes that fundamental changes in the way that unarranged overdrafts are provided may be necessary, and it will consider whether unarranged overdrafts should have a place in any modern banking market.
While this is promising news for those who've backed our Better Banking campaign, we hope the FCA now acts swiftly to crack down on these exorbitant fees and restricts unarranged overdraft charges to the same level as for arranged overdrafts.
Our research revealed last year that unarranged overdraft fees can be considerably higher than those of payday loans. But while payday loan charges are capped, and the FCA will maintain that cap for a further three years, the fees of unarranged overdrafts are not.
mr r a adomaitis says:
The Banks seem to think we're doing them a favour by banking with them, Went over my overdraft limit they then slapped on £85 of fee's then bounced direct debits, destroyed my credit rating and refused to help. Despite having a £44,000 salary I even told them I was transferring £75,000. I was also told to perform a "swear to pay" in money, despite paying in my monthly salary in for the past 37 years. They turned into a pack of wolves,. As a result I've been of work with anxiety they have turned my life into hell. This needs to stop, they are destroying people and have absolutely no compassion, how can it be allowed to put people like me in a living he'll all over £50.
See full comment
The regulator has cited four key issues with unarranged overdraft fees, and these are:
Unanticipated charges and lack of transparency on fees;
High charges, noting that some fees are higher than the payday loan cap;
Repeated use in that many consumers use unarranged overdrafts regularly; and
Distribution of charges where the worse off are paying a disproportionate amount for the provision of current accounts.
What do you think needs to be done to make unarranged overdraft fees fairer? Can more be done to deliver better banking for you?
Which? campaigns 414
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Malcolm Irwin says:
It would be good if the Banks could implement two checks to help reduce fraud on online payments.
1. When entering a Sort Code and Account Number for the first time do an online verification and display the recipients Name and Bank.
2. When transferring large amounts, e.g. over say £25,000, let the online banking system insist on a trial transfer of say £1 that gets verified back to the sender prior to making the full transfer.
During a recent house sale and purchase I was left for some months with a huge amount to invest. This was achieved via series of Building Society Accounts. As I opened each account I did a trial transfer of £1 to ensure it worked properly. Maybe the banks should encourage all customers, doing large transfers, to do the same. Those that don't being liable for any losses!
Brian Holmes says:
NatWest and their rewards are a nightmare.
My wife and I have a joint account with them and at the start if you used your contactless debit card
You earned a reward and ours rocketed up to £1.36 and there it has stayed for ever.
Now they have started giving my wife a reward which she has to phone them and transfer it into our account.
Who ever thought up this one should be sent into space and left there.
Just the kind of help you need when you reach your eighties.
Kathy Bonard says:
Yes I agree Brian,I have had £4.20 rewards from the year dot. When I look at the retailers you have to shop with I don't remember shopping with them in the first place. They must have changed their rules or something. It's not worth it, and about ringing them to get them transfered is a joke.I went off Natwest a few years ago. You and I are just a number to them.
I used to have some trust in the smaller banks like TSB, then they became Lloyds tsb everything changed. Greed, deception and general dishonesty was good for them as with many other banks at that time, if they could con you and smile at the same time they would. One banks head of on-line fraud was reportedly prosecuted for on-line theft from the bank. Who would have thought it, a bank involved in theft and dishonesty!! Banks will never change their ways it's their ethos. Where your money is concerned, trust no-one
bishbut says:
Trust NOBODY these days ! NOBODY at all
Banks should take immediate action to recover funds when a customer sends money incorrectly. They have the technology – I stopped a cheque and got a receipt for the action. The bank paid on the cheque. I pointed out their failure and they recovered the money within an hour. They can be fast when its their money!
Robert Belmore says:
From personal experience, if you forget to pay the minimum amount due on your Halifax credit card by the due date, then the Halifax send you a reminder on the day after the payment was due.
Why not in the interest of good customer service, send a prompt the day before the payment is due to enable customers to make a payment on time ???
I will tell you why, because they are quite happy to slap you with the 'late payment charge' , which is just another way of penalising customers who are quite able to pay but inadvertently forgot to send a payment on time for whatever good reason.
It is your responsibility to know when to pay, and you do not have to leave it to the last minute. My card says to allow 2 days for a payment to reach my account, so I tend to pay a week before.have to wait until the last minute to do so.You could put reminders on your computer calendar; they are easy to set up as a recurring event.
Credit card companies could help by sending out text reminders a couple of days before the deadline for payment, in the same way that banks can offer alerts when the credit balance falls below a specified amount.
I arrange the payment as soon as I receive the credit card statement. Using the faster payment service I can specify the day on which the payment will be made from my account and land in the payee's account. I usually arrange for this to take place three banking days before the due date. If I need to transfer funds from another account into my current account to cover the expenditure I can also set the transfer up in advance for execution on a specified date.
The banks have provided us with several useful facilities to help us manage our personal finances.
I pay my credit card bills in full by direct debit. That might not help Robert but I understand there are cheaper ways to borrow money, even if they are less convenient.
I have one credit card for occasional personal expenditure where I like to have a bit more flexibility over the repayment arrangements. The other one is cleared by direct debit but it is still necessary to ensure that funds will be available in the account to cover it.
Do forget to do all things ? do you need reminding when to do everything like when to eat or when to go to bed Who sends you those Emails? Emails to remind you to read your Emails or a text message or a phone call to tell you what you should be doing at any time That's what some want or need !
You could set up a direct debit to pay your credit card and then you would not need to be reminded of the payment date.
I have done that for years and now have 19 direct debits, so I can forget most bills. I do not pay insurances by direct debit because my loyalty could be rewarded with a price hike these days. I don't need to remember about the renewal of the MOT on my car because I do this soon after it has been serviced. Dental and other appointments go in the phone and appear on the computer calendar.
The possibility of punitive interest charges helps to remind me to check my bank account periodically.
R Ainsworth says:
All local branches seem to be closing. You are expected to travel large distances to the nearest branch. Not everyone can travel long distances and not every one has the facility for internet banking. Like 'the hole in the wall' internet banking is not always secure even though we are told it is. I was so disappointed when my local branch said it was closing that I decided to move banks. However I am now wondering how long it will be before the bank I have moved to will also be closing its local branch! Elderly people will be hiding their money under the mattress again!! We are told it cost the banks more to have the local branches than it does to bank over the internet but what about customer care!?!
daver22 says:
Have you seen the exorbitant charges being levied on Approved overdraft charges by Lloyds bank, the old overdraft rate was 19.89% but from November the charge will rise to 1p per £7 overdrawn per day (charged daily), this equates to over 52% without taking into account the compounded interest.
This is a ripoff and needs immediate action IMHO.
Seemingly because they've made charges the same for unarranged as arranged overdrafts. I cannot see the logic in not encouraging people to simply ask their bank before they go overdrawn.. I think the effective interest has gone to 63% (speaking from memory).
PatrickTaylor says:
When I was a branch lender I would recommend that people borrowed on personal loan or from family sufficient to run their current account in credit and totally free of charges. Given the current overdraft rates one would be sensible to do this again.
To make life easier for some it helped if they regarded £100 as equivalent to £zero and based all their calculations on this fictitious figure.
Beryl says:
My late bank manager son used to say you need to keep about 10K in your current a/c to cover all emergencies or unexpected expenditure such as general household repairs or car breakdowns.
If young people could either borrow (as Patrick suggests) from relatives, interest free of course, or spend a little less on their weddings or ask Mum & Dad to give them cash instead, it would save them a considerable amount and alleviate some of the stress and worry of extortionate bank overdraft fees.
I very much agree that it is important to keep money in reserve in cases of emergency. My approach is to keep enough in my current account to make sure that I will not go into the red and to keep the spare funds in an instant access account, so that it can be transferred to the current account promptly if needed. These days it can be hard for young people to manage to build up a reserve.
Young people today have been raised in a materialistic buy now pay later credit society which has now become the norm, and so this makes financial reserves harder for them to build up.
The fundamental point which seems to have been missed in this topic is, your bank manager knows more about you than you realise! He/She knows exactly how much you earn, how much you spend, where you go to spend it and what you spend it on. He/She is able to establish your attitude towards money, your lifestyle, whether you are an extrovert or introvert and whether you are legally wedded or cohabiting. He/She is then able to assess whether you are a good candidate to lend to or whether His/Her bank can make a few quid by almost guaranteeing you will go overdrawn on your account.
When I split up from my ex husband I arranged a meeting with our bank manager to ensure the mortgage would continue to be paid during the divorce process and I was surprised to learn he probably knew much more about my husband and what he was getting up to than I did!
Most banks and their managers will treat you with leniency and respect when they know you are quite capable of looking after your own monetary affairs and will help you out if and when you hit hard times, but never forget, banks are big business and are in it for profit and it's entirely up to you whether that profit is made at your expense.
Student loans help many into debt and perhaps into believing that this is acceptable.
But back on topic, can we all support abolition of punitive interest charges?
Students today are the victims of political policies which allow banks to capitalise on the less well off in society who will continue to stay less well off for the best part of their working lives.
Manage your money better so that you will not need an overdraft is one answer to the problem. To me the most sensible and the best way
Sadly, there are many who are trapped by outgoing costs and variable age payment dates.
Peter Kimberley says:
I would like to add a comment regarding bank overdraft charges. It is good that the banks have been taken to task over punitive un-arranged overdraft charges and about time too. However their response or, more particularly Lloyd's Bank's response, is to virtually triple overdraft charges to all customers who have arranged overdrafts too. At the same time as moving from a monthly charge to a daily one this bank has increased its charge from 1p per day per £20 borrowed to 1p per day per £7 borrowed. This means that anyone borrowing £7 on overdraft will pay 1p that day. Should that £7 be borrowed for a month then the interest charge will be 30.4p (taking the average number of days per month over a year). If that £7 is borrowed for a year then the interest charge will be £3.65. That is a staggering 52% of the sum borrowed. This is surely an unacceptable charge for something that has been agreed with the bank. That is nearly 3 times the average rate for borrowing on a credit card. It beggars belief that the FCA has let them get away with this. The bank's "excuse" appears to be that we can all pay off or pay down our overdraft (exactly as one can with a credit card) but that does not hide or excuse this truly unacceptable level of charging. I would urge which? to take this up with the FCA and the financial press. This bank deserves to be exposed for this dreadful behavior.
Probably a case of the responsible borrower being penalised to placate the irresponsible lobby, Peter? Best to use a credit card or a personal loan and avoid an overdraft – or change banks.
I was getting charged56p a day for an authorized 400 pounds overdraft.
Today Which? says:
"Gareth Shaw Which? Money Expert, said:
"It's unacceptable that the Financial Conduct Authority is still dragging its feet on unarranged overdraft charges, while consumers continue to be hit by these extortionate fees.
"The regulator must urgently act to restrict unarranged overdraft charges, bringing them into line with arranged overdraft fees so that we finally end these unfair charges."
I certainly do not agree with extortionate charges and the charges should. in some way, be regulated. However, when someone bothers to ask their bank if they can have an overdraft and gives their bank the opportunity to decide whether they can afford it, why should they pay exactly the same charges as someone who does not bother to ask and may well not have the means to repay or be put in a financially difficult position by taking the money? All those responsible customers will then be funding the irresponsible defaulters.
Why encourage irresponsible behaviour?
I suspect the outcome will be that no one will be allowed an unarranged overdraft. Would that be the best result? Unpaid rent. car insurance, for example?
Patrick Taylor says:
It certainly seems totally bizarre stance to take for a rational organisation. I am not sure of the authority of Gareth Shaw to make these very bold statements which seem very populist but are they official policy of the Consumers' Association? Or is this the position of Which? Ltd Board? Or just Gareth?
I really don't know who is making the policy[?} decisions.
I am not clear if how a multi-media journalism degree is actually one that provides an understanding of how businesses work. An average person would think that taking money without any arrangement is a different kettle of fish from agreeing in advance for a borrowing facility.
Consider how you might feel if a member of your household took to taking money when they felt the urge. Whilst it would probably not bankrupt you [or the Bank] it still raises questions like what the hell is going on.
Just to make clear I am not lover of banks having worked for them I have a low opinion of them and how they are regulated.
Just if you wondered about financial journalists training, courtesy of the Web , the author spent some early years at the Financial Times and since then has worked solely for Which? apart form 13months as Head of Consumer Affairs at Saga Investment Services. Which leads back to what is the thinking behind having the same charges whether you take or ask?
Mark Randall says:
I'm afraid the days of banks being run by gentlemen has long left us my impression of people at the top of most big concerns is that of an old boys network of very greedy voracious people who's sole ambition is to enrich themselves on the backs of the less privileged,remember carillion,or"Fred The Shred" at RBS,or the notorious Phillip Green,or even going back to the crooks that milked Austin Rover dry.
And check out some charities, Mark 🙁
I've had to get another loan as Santander were charging me 1 pound for every day I went overdrawn that amounted to more than a personal loan.
Discriminatory treatment against…
Discriminatory treatment against transgendered person
This bank treats and continues to unfairly treat a woman who has undergone male to female transition contrary to the Equality Act 2010. They also treat a woman who is disabled under the Equality Act 2010 unfairly. Many staff do not care, but there are some who do, but this is a minority in my recent experiences. Taking legal advice is necessary because this company acts contrary to the law and legislation and take advantage of a person who has changed her name legally under the Gender Recognition Act 2004 and had operations and still in recovery. Leicester office is mainly incompetent in dealing with complaints fairly! However, Birmingham complaints office is useless.
This is a genuine factual account that should not be removed. It is factual. I have a major complaint with the bank that is under investigation. This is my personal factual experience with the Natwest Bank after 31 years as a loyal customer who has been unfairly treated contrary to the EA 2010 a number of times.
This is how the bank have left me feeling after not one unfair treatment, but a number of unfair treatments regarding gender and disability within the last 12 months.
There is nothing whatsoever defamatory in this factual statement.
I have complied with Trust Pilot and amended my factual statement of truth and belief, but feel this is diluting the scope and purpose of what a review is about.
Further unfair treatment has continued since this forced amendment from trust pilot with the bank. I have major concerns with the bank and now made another complaint as the bank had refused to let me know how to make a Subject Access Request under Data Protection Act 1998 for all of my data. The bank are currently 23th May 2018 trying to frustrate my request for all of my data and even exceed the 40 day rule for complying with the DPA 1998. Yes, I have my proof of this too.
The complaints team and bank still refusing to treat me fairly and are now victimizing me contrary to the Equality Act 2010.
Since this review Leicester have partially apologised and acknowledged wrong doing regarding a further complaint, but other complaints remain outstanding and I await my data from the bank.
I am a reasonable person, on that "Clapham Omnibus", but have a right to complain and be treated fairly not gagged by the bank in doing so. This is contrary to the law after making complaints of discrimination. This is known as victimization contrary to s27 EA 2010 Detriment suffered and my health, infections after corrective urological surgery is also suffering most likely as a consequence of being treated unfairly. For example, being called "He" many times, during calls, when staff are aware of my circumstances, the staff being hostile towards me and being less than professional in dealing with me, to name but a few of my experiences with the bank. The list is far too long to add to this list, but hopefully can be resolved with the bank as a reasonable person. How many other people have been singled out and had their comments removed as non transgendered customers? This is discrimination and victimization singling me out where other customers have made worse comments about their experiences with the bank and not had their reviews removed.
Further more, the bank are acting contrary to Human Rights Acts 1998 Articles 9, 10 and 14. This is a also a state interference by the bank to remove my legitimate and proportionate and fair comments of my experiences with the bank and now harassing me which is a hate crime in the UK against a person who is Transgendered woman by removing my comments from Trust Pilot.
I am reasonable to amend and even remove this review when the bank treats me fairly and resolves the outstanding matters. I await the bank's response regarding the matter.
Disatisfied customer."
"Which? Award winners 2018 Best Bank Brand of the Year Winner: Nationwide Building Society
Runners-up: Coventry Building Society and First Direct Nationwide, Britain's largest building society, claimed the banking award for the second time. The company offers a great range of financial products and is a Which? Recommended Provider for current accounts, credit cards and mortgages. Nationwide gained more current-account switchers last year than any other bank or building society – showing that customers recognise it's doing a great job."
Read more: https://www.which.co.uk/news/2018/05/which-awards-2018-winners-revealed/ – Which?
Victims of bank transfer scams deserve better
Why we still need action on price gouging
Update: sales of network locked phones to be banned


Conrad Murray can't stay away from drama, even locked up in a 10-by-10 cell. The disgraced doctor, jailed for administering dangerous drugs to Michael Jackson, found himself in the center of a brawl between his attorneys on Tuesday.
According to TMZ, it all started when Murray complained about pains in his shoulder and arm on Monday. His attorney J. Michael Flanagan, along with his son Ryan Flanagan, paid Murray a visit in jail to assist in getting him treatment.
Soon thereafter, Murray's other attorney, Valerie Wass, who represents Murray against the California Medical Board in relation to his malpractice issues, arrived at the scene. Wass was allegedly denied entry to Murray's cell by Ryan Flanagan, who she claims shoved her out of the way and harmed her physically.
As if Murray didn't have enough problems without his lawyers fighting, Wass is now filing battery charges against the Flanagans, with Murray as her star witness.
In November 2011, Murray was sentenced to four years in prison for involuntary manslaughter stemming from his involvement in Michael Jackson's death. He is expected to be released early, sometime in 2013, due to California prison overcrowding.


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Alesha Dixon reveals Britain's Got Talent: The Champions is being filmed next month a she launches new podcast
Emma NolanWednesday 19 Jun 2019 5:19 pm
Alesha has just launched her new podcast, Wear It's At (Picture: Stitch Fix)
Alesha Dixon has revealed that the highly anticipated Britain's Got Talent: The Champions is due to start filming in July.
BGT fans are still reeling from the whirlwind that was the live finals last month but and now the judge herself promises a 'special' new series.
Speaking to Metro.co.uk, the television personality said: 'So they haven't actually confirmed the transmission date but I know we're filming at some point in July.'
Hosts Ant McPartlin and Declan Donnelly confirmed that the show will be coming back for an All-Stars edition later in the year, but it may be sooner than we expected.
'I'm super excited,' Alesha said. 'They haven't told me who is on it but I know who I would love to see on it of course.'
Our favourite BGT finalists and winners will be returning to the stage to perform where it all began, alongside other acts from global editions of the talent show.
Alesha on BGT (Picture: ITV2)
'I would love to see all the past winners – I would love to see Attraction and Ashleigh and Pudsey and Diversity and Stavros Flatly,' she said.
'Any act that made an impact on the nation and went viral around the world, I would love to see come back and compete against each other. I think it's a brilliant idea.'
She added: 'I don't know when it's going out, but I think it's going to be quite a special show.'
Newly pregnant Alesha today launched her new podcast series, Wear It's At, about midi-life milestones with a fashion focus.
Alesha's podcast Wear It's At is live (Picture: Stitch Fix)
Alesha joins forces with online styling service Stitch Fix for the series which she describes as 'insightful and inspiring'.
'I'm a huge fan of fashion – and I'm a fan of talking! So it's the perfect job really!' she joked.
'The podcast focuses on lots of different, really interesting subjects. I talk to very different women from all backgrounds.
'I think fashion and the entertainment industry all goes hand in hand. So I think one thing compliments the other and fashion has always been a fantastic way to express how you feel.
Alesha has teamed up with Stitch Fix (Picture: Stitch Fix)
'Fashion represents different eras of our lives and we definitely cover that in the podcast as well and how certain things you wore and how they reflect what was going on in your life at the time.'
The former Strictly judge credited Oprah Winfrey as her podcast inspiration, particularly for the TV veteran's SuperSoul series.
'She always has really inspiring guests, who have a very unique and profound way of looking at the world and dissecting life and digging deep beneath the surface and they're not afraid to go there,' she said.
More: Britain's Got Talent
X Factor and Britain's Got Talent 'to continue until 2022'
Amanda Holden explains why she's now happy to show her daughters on Instagram
Colin Thackery says Simon Cowell is a 'nice chap to know'
'I always find them very nourishing, whether spiritually or just entertaining.
'Oprah Winfrey is always someone I've admired and looked up to and I thought, "Well, if a podcast is good enough for Oprah, then it's good enough for me!"'
Episode 1 of Wear It's At is live now on Stitch Fix.com.
MORE: Alesha Dixon's little 'angel' Azura looks beyond excited to become a big sister as she hugs mum's bump
MORE: Alesha Dixon rules out leaving Britain's Got Talent to be Strictly Come Dancing judge
Alesha DixonAnt and DecBritain's Got Talent
Alesha Dixon shows off her baby bump in gorgeous grey dress

redpajama_set_name: RedPajamaCommonCrawl


File: The annual Trek4Mandela Kilimanjaro climb gets under way on Wednesday.
JOHANNESBURG - Mandela Day is a week away, and Trek4Mandela hikers are once again taking on Africa&39;s highest peak.
This year&39;s expedition aims to raise enough funds to buy six million packets of sanitary pads.
The team taking on Mount Kilimanjaro is being led by Sibusiso Vilane.
Among those taking part are family members of late race car driver Gugu Zulu.
Zulu lost his life in 2016 while trying to summit the mountain.
His wife, Letshego, is returning to the mountain.
This time around, she plans to plant trees in memory of her late husband.


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DAZN 'possibly' interested in BT Sport, chairman says
Reuters / 1 min read.
floq.to/XakXO
LONDON (Reuters) – DAZN, the sports streaming service owned by billionaire Len Blavatnik's Access Industries, is "possibly" interested in BT Sport, the sports television unit of Britain's BT that has a content including Premier League soccer.
Asked if buying BT sports could give the company a seat at the table for English Premier League (EPL) rights, DAZN chairman Kevin Mayer said "possibly".
"We would love to have EPL ultimately, how we get there, there are many paths to get there," he told an audience of TV executives at the Royal Television Society Convention in Cambridge on Wednesday.
"I'm philosophical about it, whatever makes most sense. BT Sport is a great business."
Asked if the talk about a deal were still live, five months after BT said it was considering selling a stake in the unit, he said: "It's really quiet."
(Reporting by Paul Sandle, Editing by Alistair Smout)
Tags: AI, BI, IT, selling, society


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Poker Players
Poker Freerolls
Browse > Home / Poker News / Another First-Time Bracelet Winner Makes a Mark
Another First-Time Bracelet Winner Makes a Mark
Event #24 $5K NLH 6 Handed saw Kevin Eyster win his first WSOP bracelet after 37 overall major poker tournament cashes and a paycheck of more than $622K. Originally from Louisiana, but now living in Denver, Eyster has seen a great deal of success over the past seven years that defines his professional poker career. Now he adds one of the most prominent badges of poker success, a WSOP gold bracelet.
Outlasting 540 fellow players, Eyster managed to come out as chip leader after two and half days of grueling competition, which he lost late in the third day to Pierre Neuville, who ultimately finished runner up against Eyster after an unscheduled fourth day was added.
"This is what I've been dreaming about for my whole life," said Eyster after winning. "This is what I've been wanting to win my whole life. I've been watching this on ESPN, I mean words can't even explain it. I'm speechless."
Last year was a great year for Eyster, after winning a big tournament at the Seminole Hard Rock Casino in Florida and his first WSOP Circuit ring, but his most recent pay day represents his biggest career cash by far. He now owns more than $2 million in live earnings plus another $3 million in online winnings.
Speaking on his extra-supportive rail, made up of mostly fellow Louisianans, Eyster said, "I really appreciate that all of them came out to cheer me on. After yesterday, they were as tired as I was, but they showed up today to support me and I appreciate their help."
The second-place finisher, Neuville, almost became the second Belgian to land a WSOP win in the same week, following behind Davidi Katai, who won just a few days before.
Marking his fourth cash this year was third-place finisher and WSOP Circuit ring winner Andrew Lichtenberger, who was appearing in his fifth WSOP final table. Other key players in the final included Jeremy Kottler, 5th, and Bryn Kenney, 4th, both appearing in their third WSOP final tables.
This event generated a prize pool worth more than $2.5 million that paid the top 60 players including Matt Jarvis, 9th; Greg Merson, 13th; Kory Kilpatrick, 17th, who won his first WSOP bracelet three days prior and went on to cash third in Event #42 PLO 6 Handed; Matt Salsberg, 31st; Freddy Deeb, 33rd; and Bertrand Grospellier, 51st, who just cashed in 16th two days earlier in Event #22 $10K HORSE.
Written by Johnny · Filed Under Poker News
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We have a wealth of experience in using online bookmakers originating back to the early years of 1997 when football betting first went online. Since then the development and change within the UK online bookmakers industry has been amazing, but still you have to be careful when signing up and depositing at an online bookmaker.
We only bet with bookies that offer high quality, honesty and responsibility.
This text is based on our personal experiences and represents our opinion.
The arrival of intensive bookies online opened the doorways to a plethora of options for both the avid and armchair punter. Not having to run down the road to place to your bet with your local bookie, meant that convenience and speed had really arrived in the world of UK betting.
All of the familiar names from the high street can be found on the internet, and the best bookies for football will cover all your needs from their sites. So what does it take to become one of the best online bookmakers? One of the first things to be guided by is reputation. This goes without saying, as it will add an air of security to your online betting. Imagine the difference between placing a bet on Chelsea to win, as opposed to placing one on Swiss side Xamax Neuchatel. You should invariably lean towards and choose a name that you are familiar with, one that you know and trust.
Names like Ladbrokes, William Hill and Paddy Power are probably some of the more popular high street chains of Bookmakers which will attract attention and loyal customers also to their website services.
Having more than one online bookmaker is a great way to maximise your betting potential. If, for example, you only have an account with Bet365, which is widely regarded as being one of the best online bookmakers (probably the single best one according to our experience), then come the big match on the weekend Chelsea v Man United, you will be limited to their prices. While according to our experience Bet365 are leaders offering amongst the most generous odds, perhaps slightly better odds for your selection could be found at Betvictor for example. This is where having multiple accounts can work in your favour, for selecting odds at 3/1 as opposed to 5/2, naturally will have a big impact on your potential returns. Another point worth remembering when it comes to the benefits of having more than one of the best online Bookmakers, is the fact that you will have more opportunities to take advantage of different special offers.
Special offers from the best online Bookmakers, generally appear in the form of introductory deals (free bets for new customers, sign up bonus, first deposit bonus 18+, T&Cs apply - see details on the respective bookmarker's website), which will usually reward customers signing up for new accounts with betting offers. The general practice for this, is to match your initial deposit into a new account, or to match initial bets placed on a new account. These will be up to a maximum value of course, but different online Bookmakers will have their own introductory offers, and some are based on a tier system of bets.
The special offers are hooks to attract new customers, and it is something which is good for the punter. A simple search for customer reviews, and browsing independent sites like ours, will help you to make informed decisions about which Bookmaker may be the best for you. Other things to take into consideration are the level of support which a site offers, and how easy it is to contact someone, should you have a query over their services. Security and how they handle the privacy of your account is also paramount, and a bit of time spent before hand, will help to set your mind at ease. Always choose strong usernames and difficult passwords to help protect yourself at all times.
Having the luxury to browse around some of the best bookies for football, will only be to your advantage. By visiting these bookmakers sites, even without signing up, you will be able to get a good general feel of the user-friendliness of site. You do not want to get bogged down with a site which you find hard to navigate, or cumbersomely slow to load, because that will detract from your online betting experiences. There is much more to the modern world of betting online, and it is a far cry from the fruit machines and television's in the High Street Bookie store. You can sit and home and play games.
There are also alternatives to the standard Bookmaker operations. Betfair, for example, is a betting exchange, which means that prices are generally higher, because the middle-man, in this case the Bookmaker, is cut out. A betting exchange involves people laying odds against other punters, and as long as there is someone there to take your bet within the community, you can bet to your hearts content. The options that are presented with the best online Bookmakers are endless. Make sure you warm up with a little research, before taking the field and scoring a winner with the right Bookie for you.
So, if you want to go into more detail, you can read our bookmaker reviews below, just click on the respective banners!
If you are searching for bonus offers, please visit the Bonus Offers-page!


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Travis Dermott
Toronto's Barrie Expected To Demand $8MM Next Year
July 7, 2019 at 4:30 pm CDT | by Holger Stolzenberg 20 Comments
Although the Toronto Maple Leafs have plenty of obstacles still to deal with this offseason still, including working out a contract with restricted free agent Mitch Marner, the team may have even more problems approaching them a year from now.
While the Maple Leafs forwards should be in good shape next season as the team will have few to no free agents to worry about, the newly reconstructed defense will be an entirely different story as only one of their defenseman, Morgan Rielly, is signed beyond the 2019-20 season. The team has five unrestricted free agents blueliners and another two restricted free agents defenders, which could create quite a bit of unrest next summer.
However, to make matters worse, the Toronto Sun's Steve Simmons writes that newly acquired Tyson Barrie is expecting to cash in on his next contract next summer and could be looking to demand an eight-year deal at $8MM per season next year. The 27-year-old has been incredibly consistent over the last few years, putting up 14 goals and a career-high 59 points last season and has averaged 49 points over the past six seasons. He is finishing up a four-year, $22MM contract at $5.5MM, but because Colorado retained half his salary, the team is only on the hook for a $2.75MM AAV this season. However, an $8MM contract could force the Maple Leafs to allow the blueliner to walk away for nothing.
The team will likely have to make some tough decisions as Jake Muzzin and Cody Ceci will also be unrestricted free agents. Much of those decisions will likely depend on how well they play next season and how their salaries can fit into their tight salary cap situation. The team has a few other lesser free agents, including Justin Holl and Martin Marincin, but they also may have to give significant raises to restricted free agents Travis Dermott and Ben Harpur. The team will get a small break next season when the contract of Nathan Horton and his $5.3MM finally expires, which should help, but that isn't likely to solve all those problems either. There will be little money available to help the team out without more cost-cutting moves.
Ben Harpur| Cody Ceci| Jake Muzzin| Martin Marincin| Mitch Marner| Salary Cap| Toronto Maple Leafs| Travis Dermott| Tyson Barrie
John Tavares Out One Month With Oblique Strain
May 11, 2019 at 1:17 pm CDT | by Zach Leach Leave a Comment
It's already been a difficult off-season on the injury front for the Toronto Maple Leafs, who will likely not have Zach Hyman and Travis Dermott when the 2019-20 season begins following recent surgeries. So, when it was announced on Thursday that star John Tavares had suffered an injury and was forced to abandon Team Canada and the IIHF World Championships, Toronto fans were understandably worried that the team could be down another man long-term. However, that won't be the case. The Leafs followed up on the news with an update today that Tavares suffered an oblique injury and will be out approximately one month, after which he is expected to resume his normal off-season training program.
Sportsnet's Elliotte Friedman echoes the Leafs' announcement, reporting that the he has heard it was an oblique strain that will require a rehab period of about four weeks. However, Friedman adds that after four weeks it is likely that Tavares will have made a "full recovery". While the injury may cut into his preparation for next season somewhat, Tavares should be back on track by mid-June at the latest and will have more than two full months of his regular training regiment. As such, there is no concern that Tavares will be feeling any ill effects of the oblique strain by the time training camp rolls around and barring another injury will be at full strength to begin the year.
Tavares, who notched a career-high 47 goals this season while playing in every game for Toronto, is obviously a key part of a successful 2019-20 campaign for the team. However, his full health and maximum effort may be even more important next season. Beyond the injuries to Hyman and Dermott, a knee and shoulder respectively, that will keep them out likely through at least the first month of the season, several other departures could be in store for the Maple Leafs this summer. Mitch Marner, the only Leaf to outscore Tavares this season, Kasperi Kapanen, and Andreas Johnsson are all restricted free agents and Toronto will find it next to impossible to re-sign all three without trading away another core forward. The defense is also set to undergo an overhaul this summer, whether it works in their favor or not. One way or another, there will be slack to pick up next season and a healthy Tavares and his elite two-way game will go a long way to getting off to a good start.
Andreas Johnsson| Elliotte Friedman| IIHF| Injury| John Tavares| Kasperi Kapanen| Kyle Dubas| Mitch Marner| Team Canada| Toronto Maple Leafs| Travis Dermott| World Championships| Zach Hyman
Travis Dermott To Undergo Shoulder Surgery
May 9, 2019 at 1:01 pm CDT | by Gavin Lee Leave a Comment
The Toronto Maple Leafs will be without one of their young defensemen when the 2019-20 season gets underway. Travis Dermott is scheduled to undergo shoulder surgery on Friday, and will be out a minimum of six months.
Dermott is now the second Maple Leafs player expected to miss the start of the season, as Zach Hyman's knee surgery also carried a six month recovery period. Both releases also carried the qualifier of "at least," meaning that the team may be looking at a prolonged absence for one or both. While Hyman will leave a hole on the left side of the Toronto forward group, Dermott's injury may be even more impactful given the team's lack of depth on the blue line.
Since his arrival on the Maple Leafs during the 2017-18 season, Dermott's play has been exemplary and at times deserving of even more responsibility. With Jake Gardiner and Ron Hainsey heading towards unrestricted free agency this summer it appeared as though he would get that chance, but he'll now have to battle just to get back on the ice as soon as possible. Toronto meanwhile will have to figure out a way of filling their defense group out of the group of fringe NHL talents and prospects, or find a solution on the open market. Calle Rosen, Rasmus Sandin, Andreas Borgman and the recently signed Teemu Kivihalme can all play Dermott's natural left side, but none of them have even his 101 games of NHL experience.
Toronto Maple Leafs| Travis Dermott
Atlantic Notes: Dermott, Gardiner, Smith, Tolvanen
March 23, 2019 at 4:31 pm CDT | by Holger Stolzenberg Leave a Comment
The Toronto Maple Leafs got some good news on the injury front. While Travis Dermott skated in a non-contact jersey Friday and again today Saturday, head coach Mike Babcock said the team hopes that Dermott will be back in the lineup next week, according to the Toronto Sun's Lance Hornby. That should be welcome news for Toronto, which has lost four of their last six games with both Dermott and Jake Gardiner out of the lineup.
Dermott, who has been out for almost four weeks now with a shoulder injury, has emerged as a solid defensive option for Toronto this year and has been much missed. The 22-year-old blueliner has four goals and 17 points in 60 games this season.
The news on Gardiner wasn't as promising. Gardiner did make an appearance at practice, but did not skate and Babcock still has no timetable on when he might be ready to return. He's been out with a back injury since Feb. 25.
The Ottawa Senators Zack Smith is not playing Saturday due to a back injury and will remain day-to-day, according to Ottawa Sun's Bruce Garrioch. After a tough season a year ago when he posted just five goals and 19 points and was put on waivers at the start of the season, Smith has rebounded this year with 18 goals and 27 points. It still remains far short of his 25-goals season back in 2015-16, which propelled the Senators to sign him a year later to a four-year, $13MM deal, in which the Senators are stuck with his $3.25AAV for another two years.
The Syracuse Crunch, the Tampa Bay Lightning's AHL affiliate, announced that it has signed goaltender Atte Tolvanen, the brother of Nashville Predators' star prospect Eeli Tolvanen, to an AHL contract for the remainder of the 2018-19 season. The 24-year-old goalie just finished a four-year stint at Northern Michigan University, putting up a solid .917 save percentage in his senior year along with a 2.35 GAA in 39 appearanes. In four years for Northern Michigan, he's appeared in 137 games, with a 2.41 GAA and a .918 save percentage. He will likely serve as the backup to Eddie Pasquale, the Crunch's starting goalie, while prospect Connor Ingram has been returned to the Orlando Solar Bears of the ECHL, continuing his strange demotion there.
AHL| Eeli Tolvanen| Injury| Jake Gardiner| Mike Babcock| Nashville Predators| Ottawa Senators| Tampa Bay Lightning| Toronto Maple Leafs| Travis Dermott| Zack Smith
Maple Leafs Notes: Babcock, Gardiner, Sandin
March 22, 2019 at 9:50 am CDT | by Gavin Lee 2 Comments
The Toronto Maple Leafs have gone through perhaps their worst stretch of the season recently, allowing 28 goals in their last six games highlighted by a 6-2 loss to the last place Ottawa Senators on Saturday night. That has many fans worried about their upcoming playoff appearance that will likely be against the Boston Bruins, a team that has knocked them out two of the last three times they've made it to the postseason. Like with any team that struggles, questions about the future of the head coach have started to bubble up, and James Mirtle of The Athletic tried to answer them in his latest mailbag (subscription required).
Mirtle admits that there is something of a "disconnect" between Mike Babcock and GM Kyle Dubas, but wouldn't go so far as to say that there is any real fire under the head coach's seat. In fact, he believes that Babcock's pedigree will keep him in Toronto through 2019-20 regardless of what happens this postseason. It is important to remember that Babcock still has four years remaining on his current contract, one that pays him an average of $6.25MM per season.
If Babcock wants to find any success this postseason he'll have to hope his ailing defense can come together soon, and he received some good news on that front today. Jake Gardiner was on the ice to skate before practice, the first time he's done any extensive work since his injury nearly a month ago. Gardiner has dealt with back problems all year, but could potentially be back in time to suit up in the playoffs. Fellow injured defenseman Travis Dermott was also on the ice prior to practice, but then joined his teammates while wearing a non-contract sweater. Dermott is expected to be back before Gardiner, though the team is running out of regular season games to get them back up to speed.
One thing that was considered when Gardiner and Dermott went down was whether or not to call up top prospect Rasmus Sandin. Elliotte Friedman of Sportsnet noted on the radio today that the team believed that he isn't quite ready to compete at the NHL level despite his strong showing in the minor leagues. Sandin, who turned 19 just a few weeks ago, was Toronto's first-round pick last June and has 24 points in 37 games in the AHL. The quick-thinking defenseman has improved his stock tremendously and could potentially be a candidate for NHL time next season.
AHL| Elliotte Friedman| Injury| Jake Gardiner| Kyle Dubas| Mike Babcock| Rasmus Sandin| Toronto Maple Leafs| Travis Dermott
Toronto's Jake Gardiner Still Has No Timetable For Return
March 17, 2019 at 11:26 am CDT | by Holger Stolzenberg 2 Comments
The Toronto Maple Leafs have played 10 games without top-four defenseman Jake Gardiner, who has been out with a back injury, and it looks like the team misses him as they have struggled to a 5-4-1 record without him. Sportsnet's Chris Johnston reported late last night on Hockey Night in Canada that the Maple Leafs may be without Gardiner for quite a bit longer.
The 28-year-old blueliner has yet to resume skating and there is no timetable for his potential return. Despite often receiving the wrath of fans, Gardiner has been a key element to the team's defense although his offense has dropped off this year. After posting 52 points last season, Gardiner has scored just two points and 27 assists in 60 games this year. Regardless, the team has struggled without the presence of Gardiner and defenseman Travis Dermott, who went down with shoulder injury on Feb. 27 and was expected to be out for four weeks and appears to be right on schedule.
It's a tough situation for Toronto to be in after going out and acquiring Jake Muzzin in late January to bolster their defense. While there were rumors that Toronto was looking to add more depth to their defense, the team opted to stand pat defensively at the trade deadline, not realizing that they would lose two of their top-four defensemen not long thereafter. The team must put all their faith in their depth defensemen, including Martin Marincin, Justin Holl and Igor Ozhiganov. The team could also get some relief from the AHL as the team's top defenseman, Calle Rosen, is close to returning from a foot injury and could fill in shortly.
AHL| Calle Rosen| Injury| Jake Gardiner| Jake Muzzin| Martin Marincin| Schedule| Toronto Maple Leafs| Travis Dermott
Travis Dermott Out Four Weeks
February 28, 2019 at 4:10 pm CDT | by Gavin Lee 11 Comments
The Toronto Maple Leafs will have to deal with an incredibly thin blue line for most of the remainder of the season. The team announced today that Travis Dermott will be out for four weeks following the shoulder injury he sustained last night. Dermott was hit into the boards by Brad Malone of the Edmonton Oilers and immediately left the game in obvious pain.
Dermott will join Jake Gardiner on the shelf tonight as the Maple Leafs try to find a way around their defensive issues. Martin Marincin has been recalled to take his place while Justin Holl is expected to enter the lineup on the right side. The team is set to take on the New York Islanders in an important Eastern Conference matchup, and one that will see John Tavares make his return to Nassau Coliseum.
Originally selected 34th overall in 2015, Dermott has been quite the find for Toronto the past two seasons. Stepping into the lineup last year the mobile defender has proven he belongs at the NHL level and was given more responsibility this season. While he has still not completely earned the trust of head coach Mike Babcock, the 22-year old defenseman was already averaging more than 17 minutes a night on a team that has other experienced options on the left side. His future in Toronto looks bright, especially given Gardiner's impending unrestricted free agency.
For now though Dermott will be out for almost the entire rest of the season. Four weeks from today would leave just five games left in the Maple Leafs' season, meaning the young defenseman will need to get up to speed quickly if he is to play a role in the playoffs.
Injury| Toronto Maple Leafs| Travis Dermott
Toronto's Defensive Depth Thinner Than Ever
February 28, 2019 at 11:39 am CDT | by Gavin Lee 11 Comments
For most of the season and even previous years, many have pointed to the Toronto Maple Leafs blue line as their obvious weakness. Even with their glut of talented forwards, the team struggled at times because of the lack of defensive awareness or skill on the back end. With Travis Dermott's emergence late last season that was partially corrected, and when the team went out and acquired Jake Muzzin from the Los Angeles Kings the group took another step forward. While they were obviously left-heavy, there was enough talent there to perhaps take the team deep into the playoffs. That's why they ultimately decided against adding another name at the trade deadline, given the high prices floated around for available right-handed defensemen.
Now though, that decision looks like a mistake. The Maple Leafs announced yesterday that Jake Gardiner would be out on a week-to-week basis with a back injury, and then lost Dermott during the game to a shoulder injury. Head coach Mike Babcock used the same designation as Gardiner to describe Dermott's injury timeline, though the team has not given any additional information. That's two major pieces down in a matter of days, and James Mirtle of The Athletic (subscription required) writes that Gardiner's injury may actually be similar to the one Zach Parise dealt with that cost him 39 games last season. If that's true, there's a chance that Gardiner isn't even ready to help the team in the playoffs at all.
The Maple Leafs will recall Martin Marincin today and will ice him alongside Justin Holl in tonight's game against the New York Islanders. The pair has incredibly totaled just 20 games at any level this season, instead spending most of the year in the press box watching the action. That's a disastrous place for a playoff contender to be in, even if both have shown at least some level of competence in the past.
Muzzin, who has averaged just over 19 minutes a game since arriving in Toronto (well under his career norm), will now have to take on much more responsibility down the stretch. He and Morgan Rielly will likely anchor the first two pairs and powerplay units, while Ron Hainsey and Nikita Zaitsev continue their work on the penalty kill.
After last night's win against the Edmonton Oilers, the Maple Leafs sit third in the Atlantic Division but right on the heels of the Boston Bruins. The last 19 games of the season will determine who of those two receives home ice advantage in an almost certain first-round matchup, something that has had dire consequences in recent years. Without Gardiner and Dermott for a good chunk of the year, it will be extremely tough to secure that spot.
Injury| Jake Gardiner| Jake Muzzin| Martin Marincin| Mike Babcock| Toronto Maple Leafs| Travis Dermott
Minor Transactions: 12/03/18
December 3, 2018 at 10:52 am CDT | by Gavin Lee Leave a Comment
Just three games grace the NHL schedule this evening, while the Board of Governors meet to discuss the future of the league. The best matchup may just be the upstart Buffalo Sabres taking on the powerhouse Nashville Predators, in a game that could have implications in each team's respective division. The Sabres have lost control of the Atlantic after holding top spot for a moment, while the Predators are now tied with the Avalanche atop the Central. While the rest of the league licks their wounds and determines how to approach the upcoming week, we'll have all the minor moves right here.
Speaking of the Predators, the team has sent Anthony Richard back to the minor leagues after he made his debut on the weekend. Nick Bonino is expected to be put back in the lineup after his recent illness, leaving no room for the young Richard to contribute.
The Toronto Maple Leafs have sent Travis Dermott to the AHL in a paper transaction in order to make room for William Nylander, but was recalled again immediately after the Josh Leivo trade. Dermott has established himself as a full-time member of the Maple Leafs' blue line, and is a big part of what they're trying to build in Toronto.
Jakob Forsbacka Karlsson is on his way back to the Boston Bruins after having been down for only a day himself, and could be back in the lineup tomorrow night. The young Bruins' forward has split his time this season between Boston and Providence, but is still trying to become the offensive difference-maker that he showed he could be in college.
The Arizona Coyotes have recalled forward Conor Garland from the minor leagues after Michael Grabner was moved to injured reserve. Garland has yet to suit up in an NHL game but has a long history of offensive production. An MVP of the QMJHL, the fifth-round pick scored 129 and 128 points in back to back seasons for the Moncton Wildcats.
Ilya Kovalchuk has been officially moved to injured reserve with his ankle injury, and will be out for at least a month. The Kings will hope recently added forwards like Brendan Leipsic and Nikita Scherbak can help carry the offensive load while Kovalchuk recovers.
AHL| Boston Bruins| Buffalo Sabres| Colorado Avalanche| Nashville Predators| NHL| Nick Bonino| Schedule| Toronto Maple Leafs| Transactions| Travis Dermott| William Nylander
December 2, 2018 at 6:00 pm CDT | by Zach Leach 1 Comment
After a busy slate of games yesterday, including a handful of notable upsets, as well as quite a few recalls and reassignments, there are another six games on the docket today and anticipated moves to accompany them. The Ducks and Capitals kick things off with an afternoon matinee, while the Sharks and Canadiens highlight the nighttime lineup as San Jose looks to shake a four-game losing streak. As teams prepare for games today or simply the first full week of December action, keep up with all of the transactions here:
The Tampa Bay Lightning have swapped backup goaltenders once again, recalling Eddie Pasquale and sending Connor Ingram back to the minor leagues. The team will likely continue this type of swap in order to keep their netminders fresh and ready for game action. Pasquale got into a pair of games for the Syracuse Crunch over the last few days.
Jakob Forsbacka Karlsson is on his way back to the Providence Bruins, sent down to the AHL by Boston. The 22-year old forward has played in nine games for both Boston and Providence this year, but will have to continue his season in the minor leagues.
The Toronto Maple Leafs have made a paper transaction by sending defenseman Travis Dermott to the Toronto Marlies of the AHL to make space on the NHL roster for William Nylander, according to Sportsnet's Chris Johnston. Dermott, who is not required to pass through waivers to free up a roster spot, is expected to return before Tuesday's game against Buffalo.
Boston Bruins| Tampa Bay Lightning| Toronto Maple Leafs| Transactions| Travis Dermott| William Nylander


Exciting growth opportunity to lead the Facility Renovation Crew in a newly organized effort to enhance the associate experience within manufacturing facilities. This position will require organizing and leading the demolition, installation, and maintenance of a variety of facility spaces. All work must be completed in a customer-focused, cost-effective, safe, efficient, and sustainable manner. Effective communication with all levels of the organization will be imperative in maintaining positive attitudes and relationships with customers (affected facility occupants). The shift will generally be 8:00 a.m. – 4:00 p.m. but flexible as required; plus overtime as needed.
Maintain professional work ethic in all situations.
Maintain a safe work environment in all situations.
Successfully lead a team through all stages of a project.
Train and support all team roles and functions.
Work from electrical and mechanical drawings/schematics.
Prepare routine checklists and other required paperwork.
Ensure completion of all housekeeping requirements.
Must be capable of building and leading an organized team.
Must be capable of working autonomously.
Must have thorough understanding and working knowledge of general construction and renovation principles.
Must have experience working with construction and demolition equipment.
Must be knowledgeable in the principles and techniques commonly used in the industrial field, to include; HVAC systems, lighting, security and fire protection systems.
Must have proficient working knowledge of general facility electrical, mechanical and control systems.
Utilize electrical and mechanical knowledge to lead and develop team skills while exercising caution to ensure safety is NEVER compromised.
History of receiving and interpreting verbal and/or written instructions proficiently.
Maintain work area in a clean, neat, and orderly manner.
Excellent attendance record, safety record, and no written warnings.
Must have working experience running windows OS and working with general word processing and spreadsheet software.
New Field Superintendent posted about 24 hours ago.
New Demolition Technician posted 3 days ago.


It was a day to share with family, friends, and all of Montreal. Between 8,000 and 10,000 Montrealers walked from Dawson College to the new MUHC on June 20 to celebrate the inauguration of the Glen site, and our research community came out in force.
As both captain of the Research Institute of the McGill University Health Centre (RI-MUHC) team for the Walk for Montreal and head of Human Resources, Sonia Rea was doubly proud. "We came together to form the largest team for this event. This is not surprising, as the RI-MUHC staff and community are very much engaged, supportive and energetic – a true representation of our broader Montreal community."
It was an event, said Rea, celebrating our diversity as well as our many achievements at the MUHC and RI-MUHC. It also served as a stirring reminder that our dedication to research is for the benefit and betterment of all Montrealers.
Given that the Glen research site inauguration took place on February 2, Dr. Vassilios Papadopoulos, Executive Director of the RI-MUHC, was happy to experience a summertime sequel. "It's exciting," he said, "to see so many people from our community – the RI-MUHC, McGill, our hospital departments, foundations, the CHUM, and others – marching together for the opening of the MUHC. People coming from all walks of life on a beautiful day to celebrate the realization of the dream we had in common."


Universal Monsters Minimates Series 3 is Haunting Toys "R" Us!
Halloween is still two months away, but since it's one of the greatest holidays ever invented, why not start celebrating it early? The third series of Minimates mini-figures based on the classic Universal Monsters has arrived at Toys "R" Us and toysrus.com, and it spotlights two classic films: The Mummy and The Hunchback of Notre Dame! Broken down into packs of two, the two-packs include The Mummy with an opening Sarcophagus, Princess Anck-es-en-Amon with Henry Whemple (a TRU exclusive!), Quasimodo with Phoebus and an exclusive black-and-white set of the Mummy with Quasimodo! Check out the in-package product below!
Pick these up at Toys "R" Us today, then head to your local comic shop to pre-order the two 4-packs in this series — The Mummy Box Set will include an exclusive Helen Grosvenor figure, and the Hunchback Box Set includes an exclusive Esmeralda and "King of Fools" Quasimodo! You can find your nearest comic shop at comicshoplocator.com!
Currently: Each passenger can check up to 6 bags – 3 free of charge and 3 for $10 per bag.
New: Each passenger can check up to 4 bags – 2 free of charge and 2 for $20 each.
Currently: Each bag not to exceed 50 lbs. (23 kg), 36? x 36? x 36? (900 x 900 x 900 millimeters).
New: Each bag in checked baggage is limited to a size of 75 linear inches (length + width + height). Oversize baggage (76 – 100 linear inches) is accepted for $20.00/bag.
Currently: Special item rates accepted for $5, and can include tandem bikes and kayaks.
New: Special items will cost $10. Tandem bicycles and kayaks are no longer accepted.
Another change is luggage must be checked 45 minutes prior to scheduled train departure. The good news is passenger's will still be able to carry on a total of 2 bags, each not to exceed 50 lbs. and 28 x 22 x 14 inches, according to Amtrak.
I know many of us start budgeting early for San Diego Comic Con and things like baggage fees are a huge deal. Some of us might leave home with just 2 bags but return with twice as many!
With fallen Fantastic Four member the Human Torch recently discovered alive and relatively well in the Negative Zone, Diamond Select Toys has decided to celebrate by making Marvel Minimates Series 48 their most fantastic assortment yet! Available only at comic shops and specialty stores, this series will feature three two-packs, plus one rare variant two-pack that will only be available one per case. With core FF members, old villains and a key supporting character, this will be one series of Minimates no FF fan should miss!
Team leader Reed Richards comes with an classic FF foe, the conveniently named Phillip Masters. Wearing his John Byrne-designed uniform, Mr. Fantastic will sport a new stretching fist and a grabbing arm. Meanwhile, Masters will come with his distinctive apron… as well as miniscule Minimate puppets that he can manipulate, to control the actions of his foes!
Johnny Storm, the hot-headed member of the Fantastic Four, has been captured in mid-combustion, and comes with a new flame-swirl display base. Once he flames on, he'll be ready to go into battle with one of the Negative Zone's most lethal residents: Blastaar, the Living Bomb-Burst! Blastaar has the ability to create concussive blasts from his hands, and will sport new blasting hand covers to simulate his power.
The most powerful member of the Fantastic Four, according to some, Susan Richards includes opaque and partially translucent limbs to simulate her invisibility, a new clear display base to simulate her force field powers, and an alternate hairpiece to show off her ever-changing hairstyles! She'll need everything she's got to hold off an army of Moloids, dispatched by the Mole Man to conquer the surface world — unless these are the Moloids she makes sandwiches for as part of the Future Foundation.
Buying multiple Moloids need not leave you with an arsenal of Invisible Women — the variant two-pack in this wave pairs a Moloid with Alicia Masters, the blind sculptress! She loved Ben Grimm for his inner nobility and hated her step-father the Puppet Master for manipulating the man she loved, and she even comes with a sculpture of her own — a bust of the Thing!
Each Minimates stands 2 inches tall with 14 points of articulation. This assortment is only available at comic shops and specialty stores, so pre-order today!
The biggest comic event of the year comes to its Universe shattering conclusion in Avengers VS. X-Men #12 this October.
Here comes the pain as all your favorite super heroes enter the battle—and only one team will emerge victorious! Don't miss out on this once in a lifetime comic event in, Avengers VS. X-Men #12, on sale October 3rd in comic shops everywhere, on the Marvel Comics app, and the all-new Marvel Comics Webstore!
Francavilla's THE BLACK BEETLE Returns!
FRANCAVILLA'S THE BLACK BEETLE RETURNS TO DELIVER AWARDWORTHY PULP ACTION!
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Indian Judiciary System
Indian Judiciary System Essay
Paper type: Essay Pages: 11 (2515 words)
In a political system based on constitutional Government , the functions of rule making, rule enforcement and rule interpretation are separated into the three institutions of the legislature, the executive and the judiciary. A judiciary that is independent of and acting as a check on arbitrary exercise of legislative and executive power is an essential feature of a constitutional itself means. In a federal system, the judiciary also serves as a tribunal for the final determination of disputes between the union and its constituent units.
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Given the tremendous importance of the role and functions of the Supreme Court & High Courts, various measures have been adopted to ensure the independence of the judiciary. The judiciary in India is paradoxical institution. On the one hand courts are extraordinarily powerful on the other, its working seems manipulated by the executive. Through a creative interpretation of the constitution, courts have not only exercised their power of judicial review but also have to managed to place the limits on the power of parliament to amend the constitution.
There are 20 million case pending in Indian courts, of which 3.2 million are in the High Courts.
The entire judicature has been divided into three tiers. At the top there is a Supreme court (apex), below it is the High Court and the lowest rank is occupied by session's court. The supreme Court is the highest court of law. The constitution says that the law declared by the supreme court shall be binding on all small courts within the territory of India(Art. 141). Below the Supreme Court, are the High Courts located in the states. Under each High Court there are District Sessions Courts. Subordinate Courts and Courts of Minor Jurisdiction called Small cause courts. Given the importance of the judiciary in a federal system resting on limited government , The Supreme Court was designed to make it the final authority in the interpretation of the constitution . While framing the judicial provisions, the constituent assembly gave a great deal of attention of the courts, the power of the supreme court and the issue of judicial review.
The Constitution makes sure that the Supreme Court is independent as much as possible.
Eligibility -The person must be a citizen of India -Judge of a High Court or of two or more such Courts in succession for at least five years, or -An Advocate of a High Court or of two or more such Courts in succession for at least ten years, or -The person must be, in the opinion of the President, a distinguished jurist. -A Judge of a High Court or retired Judge of the Supreme Court or High Courts may be appointed as an ad-hoc Judge of the Supreme Court.
Appointment: Though the President has the appointing authority with the advice of his Council of ministers the appointment of the Supreme Court Judge has been lifted from the realm of pure politics by requiring the President to consult the Chief Justice of India in the matter.
Salary: The salary and allowances of a judge cannot be reduced after appointment.the salaraies of the judges are fixed by the constitution and providing that though the allowances,leave and pension may be determined by law made by the Parliament,these shall not be varied to the disadvantage of a judge during his term of office except may be during a 'financial emergency'.the adminstrative expenses of the Supreme Court,the salaries and allowances of the Judges and staff of the Supreme Court shall not be subjected to vote in Parliament and would be charged on the 'Consolidated Fund of India'.
Contempt of court: The Constituion allows the Supreme Court to punish anyone for contempt of any law court in India,under Articles 129 and 142. The Supreme Court perforemed an unprecedneted action when it directed a sitting minister of the state of Maharashtra,Swaroop singh Naik,to be jailed for one month incharge of contempt of court on 12 May 2006.This was the first time a serving minister was ever jailed.He was sentenced for allowing an illegal saw mill to run in a forest in Vidarbha near Tadoba santuary when he wa the Maharashtra forest minister.The court had directed in 1997 to the state ministers to not renew the licenses of sawmills in the forest areas.
Violation of Laws: The Supeme Court has the right to invalidate any law made by the Parliament if it violates the "Basic Stucture" of the constituion or if it violates any of the fundamental rights of the citizens. On 24th April,1973 the Supreme Court in the 'Kesavananda Bharti v/s The state of Kerela' case responded to the Parliament that although the amendments made were constituional the court still reserved for itself the discretion to reject any constituional amendments passed by Parliament declaring that the amendments cannot change the Basic Structure.
Removal: The judge cannot be removed from office before time except by an order of the president passed in the Lok Sabha and Rajya Sabha supported by a majority of the total membership of that house and by a majority of not less than two thirds oh the members present and voting,and presented to the president in the same session for such removal on the ground of proved misbehaviour or incapacity. There were two judges who were removed by this process the first was Justice V.Ramaswami:He was the Punjab and Haryana High Court chief justice of the year 1993 when he was impeached by the Lok Sabha by 196 votes because of his incapacity to do work.
The Supreme Court charged him for his failure to do complete justice. The second was that of Justcice Soumitra Sen.He was the Calcutta High Court chief justice,the justice of India K.G Balakrishnanhad recommended him for impeachement to the Parliament because he had misappropriating rs.22.83 lakh than on than on 2009 a three member committee was set up and investigation was staretd and he was found guilty and finally on 17th August 2011 he was impeached by Rajya Sabha.
The Supreme Court has original, appellate and advisory jurisdiction.
Its exclusive original jurisdiction extends to any dispute between the Government of India and one or more States or between the Government of India and any State or States on one side and one or more States on the other or between two or more States, if and insofar as the dispute involves any question (whether of law or of fact) on which the existence or extent of a legal right depends. In addition, Article 32 of the Constitution gives an extensive original jurisdiction to the Supreme Court in regard to enforcement of Fundamental Rights. It is empowered to issue directions, orders or writs, including writs in the nature of habeas corpus, mandamus, prohibition, quo warranto and certiorari to enforce them.
The Supreme Court has been conferred with power to direct transfer of any civil or criminal case from one State High Court to another State High Court or from a Court subordinate to another State High Court. The Supreme Court, if satisfied that cases involving the same or substantially the same questions of law are pending before it and one or more High Courts or before two or more High Courts and that such questions are substantial questions of general importance, may withdraw a case or cases pending before the High Court or High Courts and dispose of all such cases itself. Under the Arbitration and Conciliation Act, 1996, International Commercial Arbitration can also be initiated in the Supreme Court.
The appellate jurisdiction of the Supreme Court can be invoked by a certificate granted by the High Court concerned under Article 132(1), 133(1) or 134 of the Constitution in respect of any judgement, decree or final order of a High Court in both civil and criminal cases, involving substantial questions of law as to the interpretation of the Constitution. Appeals also lie to the Supreme Court in civil matters if the High Court concerned certifies : (a) that the case involves a substantial question of law of general importance, and (b) that, in the opinion of the High Court, the said question needs to be decided by the Supreme Court.
In criminal cases, an appeal lies to the Supreme Court if the High Court (a) has on appeal reversed an order of acquittal of an accused person and sentenced him to death or to imprisonment for life or for a period of not less than 10 years, or (b) has withdrawn for trial before itself any case from any Court subordinate to its authority and has in such trial convicted the accused and sentenced him to death or to imprisonment for life or for a period of not less than 10 years, or (c) certified that the case is a fit one for appeal to the Supreme Court. Parliament is authorised to confer on the Supreme Court any further powers to entertain and hear appeals from any judgement, final order or sentence in a criminal proceeding of a High Court.
The Supreme Court has also a very wide appellate jurisdiction over all Courts and Tribunals in India in as much as it may, in its discretion, grant special leave to appeal under Article 136 of the Constitution from any judgment, decree, determination, sentence or order in any cause or matter passed or made by any Court or Tribunal in the territory of India.
The Supreme Court has special advisory jurisdiction in matters which may specifically be referred to it by the President of India under Article 143 of the Constitution. The supreme court is vested with the power to render advisory opinions on any question of fact or law that may be referred to it by the president. The advisory role of the supreme court is different from orinary jurisdiction in three senses. ·There is no litigation between two parties
·The advisory opinion of the court is not binding on the govt. ·It is not executable as a judgement of the court. The practice of seeking advisory opinion of the supreme court helps the executive as a judgement of the court. It gives a soft opinion to the indian govt. on some politically difficult issues. As in case of Babri Masjid complex and Ayodhya. The govt. decided to refer aspects of the dispute to the supreme court for an opinion. Since there was no legal point at issue, the referral to the supreme court had the potential for politicizing the judiciary instead resolving.
Although the proceedings in the Supreme Court arise out of the judgments or orders made by the Subordinate Courts including the High Courts, but of late the Supreme Court has started entertaining matters in which interest of the public at large is involved and the Court can be moved by any individual or group of persons either by filing a Writ Petition at the Filing Counter of the Court or by addressing a letter to Hon'ble the Chief Justice of India highlighting the question of public importance for invoking this jurisdiction.
Such concept is popularly known as 'Public Interest Litigation' and several matters of public importance have become landmark cases. This concept is unique to the Supreme Court of India only and perhaps no other Court in the world has been exercising this extraordinary jurisdiction. A Writ Petition filed at the Filing Counter is dealt with like any other Writ Petition and processed as such. In case of a letter addressed to Hon'ble the Chief Justice of India the same is dealt with in accordance with the guidelines framed for the purpose.
If a petition is received from the jail or in any other criminal matter if the accused is unrepresented then an Advocate is appointed as amicus curiae by the Court to defend and argue the case of the accused. In civil matters also the Court can appoint an Advocate as amicus curiae if it thinks it necessary in case of an unrepresented party; the Court can also appoint amicus curiae in any matter of general public importance or in which the interest of the public at large is involved.
As in case of Kasab, A bench of justices Aftab Alam and C K Prasad dismissed 25-year-old Kasab's plea against his conviction and death sentence confirmed by the Bombay high court, saying he was given free[->0]and fair trial in the case. "Kasab's confessional statement was very much voluntary except a very small portion," the bench held.It also dismissed Kasab's contention that the trial was not fair because the government did notprovide[->1] him advocate during the time when he was arrested and put on trial.
The apex court said the trial court had made repeated attempts o provide Kasab with a lawyer but he had spurned the offer initially and said he did not want to accept Indian lawyers. The judges said that in the totality of facts, evidences and circumstances the court had no option but to impose death sentence on Kasab. The bench also observed that going by the evidence, it was clear that the conspiracy and planning of the 26/11 attack was hatched in Pakistan.
The High Court stands at the head of a State's judicial administration. There are 18 High Courts in the country, three having jurisdiction over more than one State. Among the Union Territories Delhi alone has a High Court of its own. Other six Union Territories come under the jurisdiction of different State High Courts. Each High Court comprises of a Chief Justice and such other Judges as the President may, from time to time, appoint.
The Chief Justice of a High Court is appointed by the President in consultation with the Chief Justice of India and the Governor of the State. The procedure for appointing Judges is the same except that the Chief Justice of the High Court concerned is also consulted. They hold office until the age of 62 years and are removable in the same manner as a Judge of the Supreme Court. To be eligible for appointment as a Judge one must be a citizen of India and have held a judicial office in India for ten years or must have practised as an Adovcate of a High Court or two or more such Courts in succession for a similar period.
Each High Court has power to issue to any person within its jurisdiction directions, orders, or writs including writs which are in the nature of habeas corpus, mandamus, prohibition, quo warranto and certiorari for enforcement of Fundamental Rights and for any other purpose. This power may also be exercised by any High Court exercising jurisdiction in relation to territories within which the cause of action, wholly or in part, arises for exercise of such power, notwithstanding that the seat of such Government or authority or residence of such person is not within those territories.
Each High Court has powers of superintendence over all Courts within its jurisdiction. It can call for returns from such Courts, make and issue general rules and prescribe forms to regulate their practice and proceedings and determine the manner and form in which book entries and accounts shall be kept.
Indian Judiciary System. (2016, Sep 09). Retrieved from https://studymoose.com/indian-judiciary-system-essay
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Tampa, Fla. – (April 27, 2018) – Join the school's namesake, Tampa civil rights attorney Mr. Warren Hope Dawson, along with school board members and community leaders as Superintendent Jeff Eakins officially dedicates the district's only new traditional school to open in the 2017-2018 school year.
It'll be a student-led, modern dedication with student and staff performances including the Dawson singers and Riverview High School JROTC, the unveiling of Mr. Dawson's portrait, the unveiling of students' self-portrait wall and a celebration of the school's inaugural year.
Dawson Elementary prides itself on being a new 21st Century school packed with cutting-edge technology and a small-school atmosphere that embraces a family-feel among students, staff and families.
Warren Hope Dawson is an attorney who specializes in matters involving civil rights and labor relations, and is a community leader. Mr. Dawson was instrumental in the desegregation of Hillsborough County Public Schools beginning in 1974. He is a graduate of FAMU and is active in the NAACP. Mr. Dawson has spent years working for educational and leadership opportunities for area youth.