Proceed with caution | European CEO

As a new era of regulation dawns, Raffi Festekjian, CEO of the Finance, Risk and Compliance unit for Wolters Kluwer Financial Services, explores a more integrated approach to risk management

Across the globe, financial institutions are rethinking and implementing new approaches to risk management; setting up committees and unifying financial, compliance and operational risks in order to establish an enterprise-wide risk management culture across the institution. Breaking down silos and understanding the complex relationship between all types of risk (both financial and non-financial) will aid in identifying programme gaps and in doing so, limit exposure across the firm.

Establishing an enterprise perspective
Risks are considered warranted when they are understandable, measurable, controllable and within an organisation?s capacity to readily withstand adverse results. Sound risk management practices enable them to take risks knowingly, reduce risks where appropriate and strive to prepare for a future, which by its nature cannot be predicted with absolute certainty.

The economic and regulatory pressures driving the financial services market today have created more explicit mandates to manage risk across the enterprise. These include those driven by Basel II & III; which aim to ensure that credit, market and operational risks are quantified, and strengthen the capital adequacy requirements of banks; Solvency II, which harmonised EU insurance regulation aims to ensure capital adequacy of insurance firms; and the International Financial Reporting Standards (IFRS), which supports the synchronisation of accounting standards globally.

These mandates underscore that risk management cannot be practised effectively in silos. As a result, integrated risk management is becoming a de facto practice for many organisations. It promotes a continuous, proactive and systematic process to understand, manage and communicate risk from an enterprise perspective in a cohesive and consistent manner. It is about supporting strategic decision making that contributes to the achievement of overall objectives. It requires an ongoing assessment of risks at every level and in every sector of the organisation, aggregating these results at the corporate level, communicating them and ensuring adequate monitoring and review. Integrated risk management involves the use of these aggregated results to inform decision-making and business practices within the organisation.

Integrated data management
An integrated approach to risk management has produced a clear convergence between risk and finance regulatory frameworks such as the IFRS. Examples include the accounting reform to move from an incurred loss model to a forward-looking model of provisioning, and the harmonisation of the definition of the regulatory capital components.

The complexity and effort associated with new risk management requirements are steadily increasing. For example, the onset of Basel III is setting off an avalanche of data, results, reports and documentation, which will need to be managed by firms around the world. On top of this comes an intensified level of detail as well as increased frequency and volume of data that needs to be disclosed, thus multiplying the need for resources within institutions who are dedicated to analysing and processing the necessary information.

Being unaware of compounded risks created in multiple data systems, across business units can substantially alter a firm?s risk profile, leaving them exposed to greater market, credit, regulatory and even reputational risk than anticipated. What?s needed is a more accurate understanding of net exposure ? not only the risks produced by market dynamics, but also the significant and often hidden risks and offsetting positions inside your operations. In this context the introduction of an integrated risk management concept is generally considered as a major step towards optimised overall risk control.

However, to meet the regulatory challenges of the future with an integrated risk approach, firms have to equip themselves well. Not just with core capital buffer and adapted risk appetite, but particularly with a financial information architecture that creates consistent and precise data, which is managed end-to-end and overcomes the traditional silos.

Optimising risk and performance
The current environment creates an inflection point and challenges financial organisations to look at their latest systems and data from an increasingly holistic point of view. These are what I would refer to as transformative opportunities for global financial institutions to optimise risk and performance across all levels of their organisation.

A single source for the data, if it?s a clean set of data, creates a golden opportunity. With it, you can bring together, in a single application environment, the tools organisations need to manage, measure, and report all financial activities. This includes financial, IAS/IFRS and multi-GAAP accounting, management reporting information, risk and capital management, and compliance.

Aggregated, normalised data is critical, but it is not enough in today?s environment of constant regulatory change and dynamic competitive environment. It needs to be married to the financial service-specific content so that the data output, the information derived from that single source of data, is set in the context of the opportunity or obligation an organisation is trying to address. This critical, actionable intelligence helps organisations make the right performance, risk and business decisions. Quickly.

Transformational opportunity
This is a unique opportunity for financial organisations that creates a strong competitive advantage for organisations. Whether its regulatory reports for a specific country, performance metrics that drive investment and capital allocation, or calculations to ensure compliance with capital requirements of Basel III, firms can manage regulatory obligations more efficiently, manage risk and performance holistically, but most importantly of all, make the best decisions possible in an incredibly dynamic environment.

It is clear that the current high-risk environment provides a unique transformational opportunity for firms with the vision and ambition to grasp it. To take advantage of this opportunity organisations need a partner that can help them. Whether complying with regulatory requirements, addressing a single key risk, or working toward a holistic risk and performance management strategy, more than 15,000 financial services customers worldwide count on the knowledge, technology and consulting services provided by Wolters Kluwer Financial Services for a comprehensive and dynamic view of finance, risk management and compliance.

For further information visit www.wolterskluwerfs.com

Source: http://www.europeanceo.com/finance/2013/01/proceed-with-caution/

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Lebanon govt launches online job search engineLebanon - Zawya

26 January 2013

BEIRUT: Lebanon?s state-run National Employment Office launched an online job matching service Friday, connecting job seekers and employers, free of charge.

The service, named Electronic Labor Exchange, will aim at reducing the cost of labor market information and enhance opportunities to link appropriate candidates to relevant jobs, the International Labor Organization said in an emailed statement.

The website is the product of a four-year collaboration between the ILO, the NEO, with funding provided by the Canadian International Development Agency.

?The NEO website offers a secure and easy way to search for work. Users can log in 24 hours a day, seven days a week. It makes job search and job posting easier and more efficient,? NEO Director General Jean Abi Fadel said.

The website will also offer informational material on job search techniques and labor market trends, the statement said.

Canada?s Ambassador to Lebanon, Hilary Childs-Adams, noted that this represents ?a major policy change and a step forward for Lebanon?s labor market and workforce.?

The ILO works with the NEO to enhance its institutional capacity to deliver employment services, to improve the connectivity of municipalities, employers and job seekers to a general network of employment related information, the statement said.

?We face a major challenge in the Arab region to create and sustain decent jobs: those that add value, reflect skills, include social protection and enshrine social dialogue. Lebanon is no exception,? said Nada al-Nashif, ILO?s regional director for the Arab States.

?We must strengthen existing labor market programs, introduce new ones and continue to enhance the capacity of National Employment Office to deliver on its mandate,? Nashif added.

The electronic labor exchange can be accessed via the homepage of the NEO?s website www.neo.gov.lb in Arabic, French and English.

? Copyright The Daily Star 2013.

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? Copyright Zawya. All Rights Reserved.

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Source: http://www.zawya.com/story/Lebanon_govt_launches_online_job_search_engine-DS26012013_dsart*203789/

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Gothic Epicures VinCuisine: New Useful Food and wine books

POWER ENTERTAINING (John Wiley & Sons, 2012, 220 pages, ISBN 978-1-
118-
26902-2, $21.95 US hard covers) is by Eddie Osterland, MS, America's
first Master Sommelier (1973). He has worked at top places in France,
and for the past 25 years, he has been conducting workshops on "power
entertaining" for corporate global businesses. The subtitle to this
book says it all: "secrets to building lasting relationships, hosting
unforgettable events, and closing big deals from America's 1st Master
Sommelier".? With log rolling from a few wine experts, corporate
biggies, and authors of other "success" books, Osterland presents some
breezy and chatty but informative information on how to succeed in
business with wine knowledge. Chapter 3 is the kernel: top twenty
secrets of successful power entertaining. I'm not going to divulge them
all, but I'll relate two: top tip is to think of entertaining as a
business development strategy; another is to open the event with
champagne. Most of the book is about finding choosing and serving wines
in a variety of strategies, with expert pairing of food with wine.
There is also some good material on tasting wine like a sommelier.
There's a concluding chapter on power entertaining at home, to impress
family and friends and even close business associates ("you live like
this all the time?"). There are a few appendices, such as one on the
major grape varieties commonly found on restaurant wine lists, with
pronunciation (but no viognier is listed). He also has some blank
tasting note sheets which can be downloaded from his website.
Apparently, there is also a collaborator, communications consultant
Richard Koonce, who is acknowledged at the very end of the
acknowledgements and has a separate page at the back of the book. It is
an interesting book, but it might also have been better suited for the
Dummies series, which Wiley also publishes and which also has business
oriented materials.
Audience and level of use: businessmen wishing to make an impression
with their social wine and food skills.
Some interesting or unusual facts: Caesar salad is too common to serve
with power entertaining; avoid boilerplate menus; offer a smashing,
unforgettable first course or appetizer.
The downside to this book: many wine and food matches, and most of the
tasting notes can be found in other wine books.
The upside to this book: a good assemblage for the busy executive who
wants a no-nonsense approach.
Quality/Price Rating: 85.

?

4. THE GLUTEN-FREE TABLE; the Lagasse girls share their favorite meals
(Grand Central Life & Style, 2012, 230 pages, ISBN 978-1-4555-1688-
9,$25.99 US hard covers) is by Jilly Lagasse and Jessie Lagasse
Swanson, siblings and daughters of Emeril Lagasse. In 2004 Jilly was
diagnosed with celiac disease. Jessie, at some point, needed to follow
a gluten-free diet. Both of course have been food-inspired by their
upbringing, so it seemed to be a no-brainer that a gluten-free cookbook
was in the shaping. They have taken their fave preps from childhood and
family and redeveloped them into tasty, celiac-friendly alternatives.
There's about 100 recipes, of family favourites, Southern classics, and
ten original preps from Emeril himself. It's all arranged by course,
from apps to sweets.? Preparations have their ingredients listed in
avoirdupois measurements, but there is no table of metric equivalents.
There's a concluding list of resources and website.
Audience and level of use: those seeking gluten-free recipes.
Some interesting or unusual recipes/facts: cornbread and Andouille
stuffed pork chops; baked halibut with creole tomato and Vidalia onion
vinaigrette; cheesy shrimp and crab grits; mini goat cheese and fig
pizzas.
The downside to this book:? it could use a few more recipes
The upside to this book:? some great Southern foods redefined.
Quality/Price Rating: 89.

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5. THE VEGETARIAN'S COMPLETE QUINOA COOKBOOK (Whitecap, 2012,? 196
pages, ISBN 978-1-77050-097-6, $29.95 US,? soft covers) is from the
Ontario Home Economics Association, and has been edited by Marilyn
Smith, a professional home economist who has appeared on TV and has
authored many other cookbooks. Here, she's got the definitive quinoa
book for vegetarians (most of the preps are vegan friendly as well). It
comes with some heavy duty log rolling from Cronish, Lindsay, and
DeMontis, all cookbook authors and speakers on food. Quinoa is a
complete food product, with all the essential amino acids and proteins
needed for a diet. It is now the most popular superfood around, with
about a dozen cookbooks published or announced. Here are 120 vegetarian
recipes, all less that 500 calories. There are details on what makes
quinoa so good and easy to prepare. Recipes have icons to indicate
which recipes are completely gluten-free, or use a microwave, slow
cooker or bread machine. There are sections from apps to desserts, plus
baked goodies, breads, and breakfasts. The mains cover stir-fries,
stews, Mediterranean tones, and egg dishes. Each prep has nutritional
information listed. About 58 identified members of the OHEA contributed
preps. At the end there is a list of online resources. Preparations
have their ingredients listed in both metric and avoirdupois
measurements, but there is no separate table of equivalents.
Audience and level of use: those who enjoy quinoa or would like to
start eating it.
Some interesting or unusual recipes/facts: power granola; gluten-free
ancient grains bread; quinoa and edamame salad with Asian flavours;
Moroccan vegetable stew; savoury and sweet pilaf; orange-scented quinoa
with blueberries.
Quality/Price Rating: 89.

?

6. BEER, FOOD, AND FLAVOR; a guide to tasting, pairing, and the culture
of craft beer (Skyhorse Publishing,2012, 290 pages, ISBN 978-1-61608-
679-4, $19.95 US hard covers) is by Schuyler Schulz, a chef and
sommelier who also specializes in craft beers. He has a strong chapter
on tasting beer, followed by another on pairing beer with fine food and
creating menus. There's a 20 page chapter on matching beer with cheese.
This is followed by his choices for the best craft brewers in America
(all US) and details about the beer "community", such as RateBeer and
BeerAdvocate. There's also a nice bibliography and glossary.
Preparations have their ingredients listed in avoirdupois measurements,
but there is a table of metric equivalents.
Audience and level of use: American beer lovers.
Some interesting or unusual recipes/facts: English toffee pudding cake
made with beer; braised Niman Ranch pork shoulder; spiced cashews; and
a recipe for Russian Imperial Stout homebrew.
The downside to this book: it is American in its coverage of brewers.
The upside to this book: great reproductions of labels.
Quality/Price Rating: 86.

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7. THE EVERYDAY WOK COOK BOOK; simple and satisfying recipes for the
most versatile pan in your kitchen (Sasquatch Books, 2012; distr.
Random House, 145 pages, $21.95 US paper covers) is by Lorna Yee, a
food writer and presenter in the Pacific Northwest, and co-author of
The Newlywed Kitchen. Here she advises that the wok is the only pan
you'll really need in the kitchen. To most Orientals, that is a given,
standard basic fact. One can braise, steam, stew, deep-fry, and smoke
with woks. And a good wok gets better with usage and seasoning. There
are about 55 preps here, devoted to American comfort food and some
classic Asian dishes as well. The arrangement is by course, with
breakfast and brunch upfront, followed by mains, sides and desserts.
The list of ingredients is in bold faced caps, which I like.
Preparations have their ingredients listed in avoirdupois measurements,
but there is no table of metric equivalents.
Audience and level of use: non-Asiatic wok owners
Some interesting or unusual recipes/facts: chicken-fried steak with pan
gravy; red sauce spaghetti with bison meatballs; tailgate chili;
chorizo, harissa, and potato hash; chicken sausage and goat cheese
scramble; Asian-style BBQ pork scramble with coriander.
The downside to this book: only55 preps ? I'd like a few more.
The upside to this book: a single purpose kitchen equipment book to
show the versatility of the wok.
Quality/Price Rating: 87.

?

8. THE DIABETES-FRIENDLY KITCHEN; 125 recipes for creating healthy
meals (John Wiley & Sons, 2012, 226 pages, ISBN 978-0-470-58778-2,
$29.99 US hard covers) is by Jennifer Stack, a chef that is a certified
Diabetes Educator and RD. She's a professor at the Culinary Institute
of America, teaching nutrition and food safety. She also writes for
magazines and appears on TV. It's a CIA book, with a primer on a
diabetic kitchen, glossary, bibliography, and nutritional
information/data for each recipe. Arrangement of the food is by course:
apps, soups, mains, sides and salads, desserts. She says: "This is not
another diabetic cookbook. It is a book with recipes and cooking tips
to improve your blood glucose control and reduce your risk for heart
disease while still honoring your love for food".
Preparations have their ingredients listed in avoirdupois measurements,
but there is no table of metric equivalents.
Audience and level of use: mostly pre-diabetic eaters.
Some interesting or unusual facts: diabetes-friendly meals provide a
consistent and controlled amount of calories and carbohydrates. Flavour
enhancement by searing, reducing, infusing and marinating provides the
maximum amount of flavour from the food.
The downside to this book: I think the preps really need metric
measurements or at least tables of conversion ? for use in the rest of
the world.
The upside to this book: it is good that the CIA has weighed in on this
matter.
Quality/Price Rating: 88.

?

9. PIES, GLORIOUS PIES; brilliant recipes for mouth-wateringly tasty
pies (Ryland, Peters & Small, 2012; distr. T. Allen, 143 pages, ISBN
978-1-84975-261-9, $24.95 US hard covers) is by Maxine Clark, prolific
cookbook author for this publisher. The British love their pies, and
Clark, who lives in Scotland, details a useful primer on how to
construct different pie dough and roll them out. She gives us separate
chapters based on purpose: there are everyday pies, posh pies, portable
pies, and sweet pies. Preparations have their ingredients listed in
both metric and avoirdupois measurements, but there is no separate
table of equivalents.
Audience and level of use: pie lovers and novice cooks.
Some interesting or unusual recipes/facts: steak and kidney pie; lamb
shank shepherd's pie; ham and apple pie; simple sausage lattice slice;
ricotta and green herb torta; pasta, parmesan, and cherry tomato pies;
golden fish pie.
The downside to this book: I suppose for balance there could have been
a few more sweet pies.
The upside to this book: there are more savoury pies than sweet pies
here.
Quality/Price Rating: 89.

?

10. SKIRT STEAK; women chefs on standing the heat and staying in the
kitchen (Chronicle books, 2012, 320 pages, ISBN 978-1-4521-0709-7,
$24.95 US hard covers) is by Charlotte Bruckman, a food writer who has
appeared in the Wall Street Journal, the New York Times, and Bon
Appetit. Here she interviews and talks with 73 American women chefs
about life in the restaurant's kitchen. It is arranged in 12 chapters,
by theme, with many glosses and quotes from the chefs. Her first topic
is "what is a chef?", and from there moves on to what it takes,
education, the "man cave", owning a resto, awards, competition,
discrimination, glass ceiling, media, salary, sexual harassment, and
more. But nothing on wine knowledge (or sommeliers/food and beverage
managers), drugs or alcoholism ? that I could find. No recipes, except
for how to succeed.
Audience and level of use: those who want to know about women chefs and
how hard it is to survive.
Some interesting or unusual facts: "The career opportunities available
to those interested in food-related exploits have opened up. This
translates to a wider client base for schools to tap."
The downside to this book: I'd like more space on food and beverage
managers, or sommeliers.
The upside to this book: a good issue to tackle.
Quality/Price Rating: 88.

?

?

Source: http://gothicepicures.blogspot.com/2013/01/new-useful-food-and-wine-books.html

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Daytrading, Stock Trading, Investing and Forex Trading ...

In this sort of trading, you must have some methods that will help you generate likely profits. In the current years, market daytrading has been fast rising in appreciation and a large number of people became keen to bet with it. But for you to make this occur, you want to fastidiously understand the law of demand and supply to be able to think up methods that will work for your own benefit. As you enter the stock exchange, you can notice that there are a lot of fine quality investments available for you and with this, you can straight away turn your little investment into a massive fortune in a short amount of time.

The most significant issue about trading programme is that whether or not they are trustworthy? Is the info provided correct? Do the purchase of system guarantee any cash back guaranty? How much to speculate in the system before we will be able to begin to earn in day-trading? In my private opinion, based totally on my experience in stockmarket dealing, I've been significantly profited from a specific trading program. You can witness the results inside few days of use. If you happen to have any concerns about the system, you'll find help from the twenty-four / seven client service e-mail supplied by the product. The better part is the refundable guarantee for any unacceptable. It?s rather common to see one of those stocks jump to double or treble in worth in an exceedingly short time.

The tough part is finding these stocks and separating them from the rest which is the reason why some stocks pick programs were designed with the goal of only identifying these stocks, particularly. Plenty of the prominent and richest traders today made their fortunes on exploiting penny shares and now it is your turn. So while daytrading used to be a debatable type of securities dealing reserved in the main to money firms pro traders and a select group of non-public stockholders it's now also commonplace technique of trading among casual traders. Day traders are outlined as traders who place 4 or even more round-trip orders over a 5 day period of time and the total trading activity over a day is 6% or even more of the total cost of all shares held. Brokerage costs for day traders can be significantly lower than costs for other sorts of traders.

While margins for most traders are typically around half of the worth in traders account, day traders can face levels as low as twenty five percent. This suggests that a trader can by shall we say, $1000 worth of stock from an account of only $250. I am really not saying trading losses are inspired, but how you sort out losses may noticeably influence your degree of trading success. Refusing to put up with and correctly handle trades that do not work leads right to trading screw ups. Learning how to accept and cope with trading loss could be as important as making good trades. Survival Tips Here are 7 steps that can be taken to survive and even prosper when suffering a loss : Put down the trade as it happened : Don?t sweep the loss under the rug! You want to profit from the loss ( that's its worth ), so scribble it down.

Source: http://traders101.com/2013/01/25/daytrading-methods/

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Unlocking new phones now banned under DMCA, the EFF weighs in

It was great while it lasted, but the days of users legally unlocking their own phones is over. Back in October of last year, the Library of Congress added an exemption to the DMCA to allow folks to free their new phones for 90 days. That three month window has now closed. Of course, carriers are still free to offer unlocked handsets themselves, and some will also unlock them for you as long as certain conditions are met. "Legacy" or used handsets purchased before today can still be unlocked without any finger-wagging from federal courts.

So, what does this mean exactly? Well, Electronic Frontier Foundation attorney Mitch Stoltz told us, "What's happening is not that the Copyright Office is declaring unlocking to be illegal, but rather that they're taking away a shield that unlockers could use in court if they get sued." This does make lawsuits much more likely according to him, but it's still up to the courts to decide the actual legality of phone unlocking. Indeed, it's a grim day for those who want true freedom over their own devices. Stoltz said to us, "This shows just how absurd the Digital Millennium Copyright Act is: a law that was supposed to stop the breaking of digital locks on copyrighted materials has led to the Librarian of Congress trying to regulate the used cellphone market."

Filed under: Cellphones, Mobile

Comments

Via: Tech News Daily

Source: Library of Congress (Amazon)

Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/qTvRar0a3VA/

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Polish parliament rejects efforts to legalize gay unions

WARSAW (Reuters) - Poland's parliament defeated draft laws on Friday that would have given limited legal rights to homosexual couples, a setback for liberals trying to challenge conservative moral attitudes in the devoutly Catholic country.

Poland has been grappling with issues such as gay rights, abortion, legalization of soft drugs and the role of the church in public life as younger Poles seeking a more secular society clash with a deeply religious older generation.

The lower house of parliament rejected three bills that would have legalized civil unions, including narrowly defeating one proposed by a member of the ruling Civic Platform that would have given limited rights to unmarried partners, including ability to inherit property.

The motion to prevent the Civic Platform bill from going to committees for further work was backed by 228 deputies, with 211 against.

Prime Minister Donald Tusk spoke out in favor of the reform, but 46 members of his own party, including Justice Minister Jaroslaw Gowin, sided with the conservative opposition and voted against all three bills on their first reading.

"You can't question the existence of such people (living in homosexual partnerships) and you can't argue against the people who decide to live in such way," Tusk told the parliament before the votes.

Robert Biedron, Poland's first openly gay deputy who had proposed the most comprehensive of the three rejected bills, vowed to continue leading the efforts to give legal rights to unmarried partners, both same-sex and heterosexual.

"Changes are coming," Biedron told Reuters television. "More and more people see that maybe there is injustice in treating people that live in unregistered partnerships and who cannot solve their fundamental problems, everyday problems."

Even though a growing number of governments around the world have given at least some rights to homosexual couples, many church leaders and conservative politicians have argued that such moves could undermine the institution of marriage.

Earlier in January, the Catholic Church backed protests against plans to legalize same-sex marriage in France.

Many Polish opponents of state recognition for same-sex partnerships say it is wrong to encourage unions that cannot produce children, and so do nothing to fix the country's declining population.

"Are sexual ties the only reason why society should finance a barren existence?" said Krystyna Pawlowicz of the opposition Law and Justice party, "Society cannot finance structures and institutions, which do not allow for society to last."

(Reporting by Chris Borowski and Marcin Goettig)

Source: http://news.yahoo.com/polish-parliament-rejects-efforts-legalize-gay-unions-140759985.html

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Wayward dolphin makes splash in polluted NYC canal

NEW YORK (AP) ? A wayward dolphin has been making a splash in a polluted New York City canal.

Friday's deep-freeze weather didn't seem to faze the dolphin as it swam around in the Gowanus (guh-WAH'-nuhs) Canal, which runs 1.5 miles through a narrow industrial zone near some of Brooklyn's wealthiest neighborhoods.

Bundled-up onlookers took cellphone photos. A news helicopter hovered overhead.

The dolphin appears to be about 7 feet long. It has surfaced periodically and shaken black gunk from its snout in the polluted water.

The New York Police Department says animal experts are waiting to see if the dolphin leaves the canal on its own during the evening's high tide. If not, they plan to lend a hand Saturday.

The filthy canal was named a Superfund site in 2010, meaning the government can force polluters to pay for its restoration.

Source: http://news.yahoo.com/wayward-dolphin-makes-splash-polluted-nyc-canal-205701821.html

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