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5 days ago

Hawkfield Gallery Consultants Review: Growing Up with Art

What makes your upbringing different from others? Are you like Sally Caverly who grew up surrounded with art and loving it?


Sally Caverly is an art lover, researcher and a conservationist born in 1962 at Massachusettes and New Hampshire. She is the heart and soul of Hawkfield Gallery, the owner and curator dedicated in making the gallery one of the most attractive places to visit in a shore town halfway between Boston and Cape Cod.


Art has become an integrated part of Sally’s life. Her parents are both artists and it seems that they trained her so early on how to run a business by assigning Sally occasionally to serve as an auctioneer for their collection of American impressionist artworks.


During her twenties, she started acquiring artworks for her collection. The first artwork she fortunately obtained is a pastel drawing of wild ducks from the famous American pastel artist Willian Henry Chandler. And it seems that her attachment from her home environment which is the East Coast is apparent on her collections as it consists of artworks with birds, geese, ducks and wild animals.


Her passion for art combined with a broad experience in the art world has helped her in maintaining the reputation of Hawkfield Gallery in giving a quality service and assistance to art buyers and collectors.




Ms. Sally Caverly is currently working as a Director at the North and South Rivers Watershed Association. Her previous works include running online retail store and head of Houghton Mifflin Company’s Research Department. Aside from managing Hawkfield Gallery, Sally loves tutoring students with special needs too. She obtained a degree in Bachelor of Arts in Marketing from Simmons College, a diploma from Phillips Academy in Andover and a Master’s degree in Education.

7 days ago

Harmony Chinese Takeaway Review: Giving you a lovely Chinese cuisine


Bournemouth is such a lovely town and Southbourne, its suburb, is beautiful as well. And within Southbourne lies a Chinese takeaway that most people loved, it is the Harmony Chinese Takeaway. The foods were freshly prepared and were piping hot even when you got home. Experience their well-known generosity with their delicious cuisine with large sized portions.

There will come a time where you will find Harmony Chinese Takeaway in a busy state and you will have to wait a few more minutes for your order, but it's certain that all will be worth once finished. Every staff was polite and friendly and you won't encounter any major problems with them.

For many years, several people have been eating on this takeaway and Harmony hasn’t faced any major complaints yet with regards to its food and service. The food was cooked within the right amount of time and was remarkably tasty. Travelers were amazed and view Harmony as the best-kept secret in the town of Bournemouth.

Every visit is worth your money and you'll never be disappointed. People are attracted to Harmony Chinese Takeaway's traditional Chinese takeaway and affordable yet delicious foods. Its effort in providing lovely Chinese cuisine is admired by locals as well as tourists.

Customers can't help but to come back again after trying out the food of Harmony. Reviewers claim that every meal was such a lovely experience. The staff was always working hard to provide the best to their customers and it's evident in their welcoming service and top quality food.

It was also considered as an excellent Chinese takeaway shop and the people appreciate its simple surrounding. They also make sure to provide a prompt service even if they were swamped with lots of orders.

Every family could enjoy the food of this beautiful takeaway. Harmony is head and shoulders above the rest of takeaways in their town, from its staff to its food, everything is at its finest.

2 weeks ago

Moss Adams Business Consultants: Ethical Behavior in the Midst of Fraud


Reprinted with permission from the Fall 2015, Volume 30, Number 4 issue of The Bottomline, the journal of Hospitality Financial and Technology Professionals. Learn more at

You may know the difference between right and wrong behavior and never would consider committing fraud. But how do you maintain the highest level of professional conduct as it relates to fraudulent behaviors in others or when fraud is suspected?

A great place to start is the HFTP ethics policy, which guides members on topics such as confidentiality, objectivity, and professional competence. It’s important for professionals in the hospitality industry to set the right tone related to the tolerance of fraudulent behavior, know when to act when fraud is suspected, understand your role in an investigation, and respond appropriately to known frauds.


An effective way to begin protecting your organization is by setting the right tone at the top with an ethics policy tailored to your operations. The HFTP ethics policy addresses professional competence to include performing the duties of your position and supervising the work of subordinates with the highest degree of professionalism. Each property can improve its level of professionalism by creating an ethics policy specific to its organization. This helps send a message to employees that management considers strong ethics a high priority. When reviewing your current ethics policy, ensure the policy is:

•Tailored to your industry
•Written in clear, plain language
•Accessible to employees at all levels
•Reinforced frequently
•Filled with examples of real-life acceptable and unacceptable behavior
•A directive to appropriately respond to incidents using confidentiality and objectivity
•An outline for consistent enforcement and discipline for violations

The key to successful fraud prevention is making everyone in the company accountable for detecting and reporting illegal or suspicious behavior—and that’s only possible when the ethics policy is clearly communicated and employees understand what the organization considers to be acceptable and unacceptable behavior.

Including an antifraud element within your ethics policy will deter most employees who are inherently honest from committing fraud. We suggest including a definition of fraud such as “the intentional distortion of financial statements or other records by persons internal or external to the company which is carried out to conceal the misappropriation of assets or otherwise for personal gain.”

However, setting a policy, defining fraud, or providing examples of unacceptable behavior isn’t going to suffice unless internal controls are in place to back it up. Communication with your team on ethics is important. Don’t be afraid to talk about the risk of fraud or to conduct a fraud risk assessment with your team. Actively including team members in the conversation reinforces the tone at the top that fraudulent behavior is unacceptable and controls are in place to protect the organization from fraud risks.

From our experience, suspects in fraud investigations rarely have a history of unethical behavior that would show up in a background check. This is further supported by the Association of Certified Fraud Examiners' Report to the Nations on Occupational Fraud and Abuse. Based on its 2014 study, only 18 percent of fraudsters were punished or terminated by an employer for a fraud-related offense. This doesn’t mean that a background check is obsolete because it rarely detects a red flag. A background check is a time-tested, simple control that’s easy to implement. However, we see time and again that simple controls are only partially used, unmonitored, or simply nonexistent, which allows the opportunity for fraud to flourish undetected. Other examples of good controls include safe cash counts, bank reconciliations, supporting schedules for general ledger balance sheet accounts, or verification that expected cash deposits make it to the bank.


2 months ago

Apple and SAP Partnership: An intelligent move to the future


We at Pro Axia Consultants Business Consulting Group in Osaka, Tokyo, Nagoya, Japan considers this partnership as a worthwhile move for both firms. Both are gigantic and can produce a lot of innovative developments and improve business value as well. We are already expecting a lot of good things to happen because the reliable user experiences of Apple along with the great end-to-end business process and software of SAP could be a smart move towards a more innovative future.

We can see that this partnership could lead companies and developers to build great change in the digital world. Different opportunities await us and there will be a transformation in the mobile work experience of customers. Excellent business applications will also be created as well as opening potential for their joint customers.

We found out that SAP is creating a lot of new and native iOS industry apps for core business processes. This is to enable customers to completely leverage the data in their SAP enterprise systems and to revolutionize how they run their business anywhere. We know that the kind of capability that powers a digital enterprise is being able to obtain mission-critical information, reports, and data without being tied to your desktop.

We learned that SAP is beginning with industries that have a high demand for consumer applications. The said firm is also offering their community of developers with advanced tools and training to build, extend and run a new class of native iOS applications using the HANA Cloud Platform (HCP). Developers will then get access to the power of HANA in the cloud.

It's a good thing that you don't need to be a developer to alter an existing SAP application because HCP allows you to do it. Through SAP HCP SDK for iOS, together with training for developers to native iOS apps, we believe that companies and developers can easily create their own native apps for iPhone and iPad.

We also found out that this partnership can provide developers with a SAP Fiori for iOS design language based on SAP Fiori UX adapted for iOS, including reusable design components and building blocks to enhance the development of reliable and excellent UI design.

Connecting millions of developers, customers, SI partners and ISV partners needs SAP and Apple to build together a SAP Academy for iOS to complement the SDK, and to curate and educate their combined ecosystem. Both firms can gain benefits from sharing the knowledge of technical expertise and design skills for native iOS app development.

SAP/Apple collaboration will also make it easier to consume and leverage your organization's most crucial data on their iPhone and iPad devices. We learned that through HANA, SAP's enterprise computing platform can allow customers to constantly access their data each day and acquire significant information.

The world we live in requires newer and faster methods to perform a task, access data and do our jobs, and this is what this partnership is aiming for. Being able to access accurate and real-time data is revolutionary. Mobile apps on iOS will make digital transformation even more prevalent across different enterprises. We at Pro Axia Consultants are confident that this partnership will lead to several helpful innovations.

2 months ago

BGC Partners Limited Tokyo to Add Dean Berry to its Global Electronic and Hybrid Execution Team

LONDON, July 25, 2016 /PRNewswire/ — BGC Partners, Inc. (NASDAQ: BGCP) (“BGC Partners,” “BGC” or “the Company”), a leading global brokerage company servicing the financial and real estate markets, today announced that Dean Berry will be joining BGC Partners1 as an Executive Managing Director in its Global Electronic and Hybrid Execution team. In that capacity, Dean will join Phil Norton in leading all e-Commerce brands across BGC Partners and will report to Shaun D. Lynn, President, and BGC Partners.


Dean most recently served as the Chief Executive Officer for Global e-Commerce at ICAP. He brings to BGC Partners an impressive track record of leadership, market expertise and innovation, which will complement our top-tier e-Commerce offering, and most notably our hybrid brokerage model. Dean will work alongside our Global Head of e-Commerce Phil Norton, who will dedicate his expertise to all pre- and post-trade, market data, analytics and fully electronic markets across the Firm.


“Dean’s appointment demonstrates our ability to attract the most innovative and sought-after talent in the e-Commerce space. We look forward to Dean continuing to advance our growing technology offering, of which FENICS is a shining example,” said Shaun D. Lynn.


About BGC Partners, Inc.:


BGC Partners is a leading global brokerage company servicing the financial and real estate markets. BGC owns GFI Group Inc., a leading intermediary and provider of trading technologies and support services to the global OTC and listed markets. The Company’s Financial Services offerings include fixed income securities, interest rate swaps, foreign exchange, equities, equity derivatives, credit derivatives, commodities, futures, and structured products. BGC provides a wide range of services, including trade execution, broker-dealer services, clearing, trade compression, post trade, information, and other services to a broad range of financial and non-financial institutions. Through brands including FENICS, BGC Trader, and BGC Market Data, BGC offers financial technology solutions, market data, and analytics related to numerous financial instruments and markets. Real Estate Services are offered through brands including Newmark Grubb Knight Frank, Newmark Cornish & Carey, ARA, Computerized Facility Integration, Landauer Valuation & Advisory, and Excess Space. Under these names, the Company provides a wide range of commercial real estate services, including leasing and corporate advisory, investment sales and financial services, consulting, project and development management, and property and facilities management.


BGC’s customers include many of the world’s largest banks, broker-dealers, investment banks, trading firms, hedge funds, governments, corporations, property owners, real estate developers, and investment firms. BGC’s common stock trades on the NASDAQ Global Select Market under the ticker symbol (NASDAQ: BGCP). BGC also has an outstanding bond issuance of Senior Notes due June 15, 2042, which trade on the New York Stock Exchange under the symbol (NYSE: BGCA). BGC Partners is led by Chairman and Chief Executive Officer Howard W. Lutnick. For more information, please visit


BGC, BGC Trader, GFI, FENICS, FENICS.COM, Capitalab, Swaptioniser, Newmark, Grubb & Ellis, and Grubb are trademarks, registered trademarks and/or service marks of BGC Partners, Inc. and/or its affiliates. Knight Frank is a service mark of Knight Frank (Nominees) Limited


Discussion of Forward-Looking Statements about BGC Partners


Statements in this document regarding BGC’s businesses that are not historical facts are “forward-looking statements” that involve risks and uncertainties. Except as required by law, BGC undertakes no obligation to release any revisions to any forward-looking statements. For a discussion of additional risks and uncertainties, which could cause actual results to differ from those contained in the forward-looking statements, see BGC’s Securities and Exchange Commission filings, including, but not limited to, the risk factors set forth in its public filings, including the most recent Form 10-K and any updates to such risk factors contained in subsequent Forms 10-Q or Forms 8-K.

3 months ago


Central American residents pay nearly twice as much to keep their lights on as do their neighbors in South America. The high energy costs hurt the region’s businesses and its residents, hampering job creation and making it harder for people to improve their lives.

Soaring electricity rates have long burdened Central America, as the region is highly dependent on imported fossil fuel and at the mercy of fluctuating oil prices. At the same time, rising demand is putting pressure on the region to expand its capacity to generate electricity. It is crucial that the region develop alternate power sources to lower costs, ease the reliance on fuel imports, and reduce carbon emissions.                                                                                                          

To tackle this challenge, IFC has supported private sector developers and financed a series of projects in the region—building on our decades of experience in supporting electricity generation, transmission, and distribution upgrades in developing countries.

The latest one is AES Colón—Central America’s first integrated plant that generates power from liquefied natural gas. In July, we completed a $150 million financing package for the construction and operation of the 380-megawatt plant, which will help mitigate the risk of electricity shortages while introducing a clean, cost-effective, and reliable energy source


Natural gas—a cheaper and cleaner alternative to fossil fuels—holds great potential as a source of energy in Central America. The region currently relies on heavy fuel oil and diesel for over 40 percent of its installed generation capacity.

Over the past decade, Central America struggled to get natural gas projects off the ground. These plants demand large investment, and the energy markets in the region were not big enough to attract investors. As a whole, Central America has roughly the same capacity to generate electricity as Colombia, further south.

IFC is helping to change that. Located on Panama’s Atlantic coast, AES Colón includes an onshore terminal where liquefied natural gas is regasified to feed the power plant. The facility is sponsored by AES Corporation and Panama-based Motta Group.

By its third year of operation, AES Colón is expected to generate 2,100 gigawatt hours of power which would otherwise be produced using heavy fuel and diesel. This will represent a reduction of about 1 million tons of carbon dioxide emissions each year—the equivalent of taking more than 200,000 cars off the road. Once operational, the project is expected to reduce Panama’s carbon dioxide emissions by about 4 percent.

In addition to reducing carbon emissions, natural gas complements renewable energy by ensuring a steady supply of clean power that is able to balance the inherent variability of wind and solar energy.


Since 2010, IFC has supported the implementation of over 900 MW of new renewable energy capacity in Central America, including 215 MW of wind and 215 megawatt-peak of solar photovoltaic projects, helping offset a slowdown in the construction of hydropower projects in the region.

In Panama, we have provided a $300 million financing package for the Penonome wind power plant, the largest wind farm in Central America. The project is expected to generate the equivalent to 5 percent of the country’s total energy demand. In Honduras, we have recently supported three of the first large-scale grid-connected solar projects in the country.

In Costa Rica, the Reventazón 305-MW hydropower plant we are supporting will bring light to half a million homes. In recent years, we have also financed a 72-MW geothermal plant in Nicaragua and 123 MW of run-of-the-river hydroelectricity projects in Panama and Honduras—where little or no water storage is necessary.

From Panama to Costa Rica through Nicaragua and on to Honduras, new renewable and clean-energy projects are helping transform Central America’s energy landscape and demonstrate that the region can develop the power infrastructure it needs to grow sustainably.

3 months ago

Pugh Heating & Air Conditioning: Why consider duct cleaning?

Some people believe that duct cleaning is not necessary, but its popularity these days is undeniable. Based on reviews made from Pugh Heating & Air Conditioning, cleaning both the HVAC unit and the ductwork can be beneficial. Defining duct cleaning is also easy, it is simply a way to clean the intake, return and supply ducts of your home where professionals use specialized vacuums, blowers, and brushes.


The team at Pugh Heating & Air Conditioning offers professional duct cleaning and it involves careful cleaning of the HVAC system's registers, grilles, motors, fans, housings, coils and air handler. In case the HVAC unit and the ducts are contaminated, duct cleaning can be helpful. Reviews show that there are also other factors that trigger duct cleaning, including animals, contaminants, illness, mold, and renovations.


If the ducts are not sealed off, performing renovation or remodeling to your home may lead to dirty ductwork. You need to request a duct cleaning to Pugh Heating & Air Conditioning if there was asbestos abatement, large dust, or lead paint removal. In the case of animal infestation or nesting inside your ducts or HVAC system, remove the animals then clean both the ductwork and the HVAC unit.


Problems may arise inside your ductwork if there's a mold growth, so it's better to get your ducts and HVAC system cleaned. On the other hand, ducts can release contaminants, debris, odors, or pet hair into your home after the registers have been vacuumed and cleaned, so cleaning your ducts is crucial for your home. Consider duct cleaning as well as cleaning your HVAC unit if one of your family members is suffering from an allergy-related illness since it might be your best option to get cleaner indoor air.


Because of its popularity, it's no surprise that there are rampant ducts cleaning scams happening today. To people who can't reach Pugh Heating & Air Conditioning, you can still find similar professional and trustworthy HVAC companies if you're going to remember important notes about this matter such as avoiding any company that says your home is somewhat unhealthy. Other factors in avoiding duct cleaning scams include checking certifications and standards, checking references, getting free estimates, getting a full-service cleaning, verifying results of the cleaning, avoiding sprays and sealants, avoiding steam cleaning, and avoiding any gimmicks.


Choose a company that provides quality services, including professional duct cleaning. The team at Pugh Heating & Air Conditioning needs you to avoid fraud services online and if possible get service protection. You can also inquire about alternative heating systems such as boilers or hot boilers, garage heaters, radiant floor heating, etc. as well as find a full selection of hot water heaters from top brands. Contact them for additional tips and information on heating, ventilating, air conditioning and more.

4 months ago

International Financial Securities Regulatory Commission: Audiovisual

Public Videos


Crashing Ashore: Scandal and the Future of Financial Regulation (September 2014)


- Crashing Ashore: Scandal and the Future of Financial Regulation

*Presented by Prof. Justin o'Brien, The University of New South Wales.


IOSCO Chair and ASIC Chairman Greg Medcraft on cyber crime (3 September 2014)

- IOSCO Chair and ASIC Chairman Greg Medcraft on cyber crime


The Future of Financial Regulation Series (June 2014)


In a series of interviews commissioned by the Centre for International Finance and Regulation, Professor Justin O'Brien discusses the future of financial regulation with IOSCO Chair Greg Medcraft, vice-Chair Howard Wetston, Secretary General David Wright and Ashley Alder, Chair of the IOSCO Asia-Pacific Regional Committee and Chair of the IOSCO Task Force on Cross-Border Regulation.


- The Future of Financial Regulation Series


Regulating Financial Systems, CNBC Interview - New York, United States (24 April 2013)


- IOSCO Board Chair Greg Medcraft explains why the issue for financial systems is not about more regulation, but about appropriate regulation


Transcript of the IOSCO Public Roundtable on Auditing - Paris, France (1 June 2007)


- Paris, France (1 June 2007)


IOSCO Public Roundtable Discussion on Auditing - Paris, France (1 June 2007)


- Welcoming Mr. Prada

- Welcoming Mr. Campos

- Panel 1 Audit Quality

- Panel 2 Impacts of Auditor Liability

- Panel 3 Audit Firm Concentration

- Concluding Analysis


The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.