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Fintech Revolution, What's Next…?
Published on 25 Jun, 2019
Fintech revolution is the new buzzword in the financial industry which is constantly evolving. This sector has attracted several startups that are bringing technological innovations to the financial market. Investors are closely watching developments fueled by the new revolution. This article highlights the four upcoming areas in Fintech that have high probability of success and early investment opportunities. Many of these start-ups have the potential to become a unicorn and can yield high returns to its investors.
Has the Fintech Revolution slowed?
No, the Fintech revolution continues to disrupt the financial industry worldwide, and this is evident from the increased investment activity in this sector. Investments in Fintech crossed the USD 100 Bn mark in 2018.
Total Investment Activity (VC, PE and M&A) in Fintech (2013-2018)
A deeper analysis, on the other hand, indicates that large disruptions are chiefly concentrated in consumer-facing segments such as payments and consumer lending. These sub-sectors have attracted around 80% of total investments in the Fintech space. Traditional banks have also understood the importance of Fintech companies in the value chain—they now perceive them as partners rather than competitors. We, therefore, believe that Fintech-triggered technological disruption will eventually envelop other areas of the traditional banking industry, irrespective of the current focus on payment and consumer lending.
Hunt for Next Innovation in Financial Services
In the words of William Arthur Ward, "Opportunities are like sunrises. If you wait too long, you miss them". Accordingly, it is imperative for private equity/venture capital firms to identify the next potential focus area for a technological breakthrough or disruption and invest in it at an early stage. In our opinion, within Fintech, the following four areas could be the hotbed of activity:
- RegTech – Of late, companies are increasingly focusing on the institutional side of Fintech services instead of end consumers.
Strong growth in technologies in the regulatory domain for enhancing processes, also known as RegTech, is expected in 2019-20; it would largely be driven by the increasingly stringent regulatory requirements and demand for strict compliance. RegTech has already started supporting banks in their know-your-customer (KYC) efforts. Banking-as-a-service is another area with immense potential, considering the growing economic pressure on institutions as they deal with the evolving needs of their clients.
- Blockchain – The technology is making its inroad in the Fintech ecosystem. It increases security and eliminates the need of a centralized authority, thereby protecting the integrity of data. Blockchain is expected to help banks save on time and cost by minimizing the number of middlemen involved in transactions. Blockchain has piqued a lot of interest among global banks, especially in the trade financing segment. In February 2018, R3, the Blockchain consortium of over 100 financial institutions, along with trade-finance technology specialist, TradeIX, launched the pilot version of their trade finance solution.
Cryptocurrency is largely viewed with caution, given its susceptibility to fraud. However, interestingly, large financial institutions such as Bank of America, Mastercard, and Paypal have filed ~150 patents related to Blockchain and cryptocurrency. This reflects a change in mindset and a growing positive approach of financial institutions toward Blockchain. Investments in companies dedicated to building specific products and solutions based on Blockchain technology are expected to rise exponentially.
- Challenger banks in Asia-Pacific – Challenger banks, also known as neobanks, or digital banks have made significant inroads in the banking sector and are attracting large venture capital investment. Rise in costs has led to the growth of branch-free banks that are fully digital and have more freedom and flexibility. These banks can build customer base and meet customer requirements, ensuring complete satisfaction, without incurring additional overheads.
Challenger banks, already a trend in the UK, are now springing up in the Asian market. DBS Bank, for example, has already launched a mobile-only proposition in growing markets like India and Indonesia. Similarly, CIMB Bank introduced digital-only or mobile-only propositions in markets such as the Philippines and Vietnam.
- Insurtech – Advanced data techniques and analytics used to identify and quantify risks are changing dynamics in the insurance industry. The sector is expected to shift from one-size-fits-all policies to customized policies. A case in point is the emergence of data analytics and IoT firms; these companies use telematics to monitor driver behavior which helps in customizing the insurance policy and premium.
Innovations in claims processing tools, online policy handling and automated processing to improve customer experience are increasing by leaps and bounds. As the financial ecosystem becomes more interconnected, data services firms will play a key infrastructure role as an aggregation and analysis layer. Traditional insurance companies such as Munich Re, AXA XL, Swiss Re, and Allianz are among the (re)insurers driving tech partnerships globally; this indicates the adoption of new technologies in the insurance sector.
Fintech 2.0 Ushered In?
Possibilities in Fintech are vast and the few trends mentioned above are just the tip of the iceberg. The Fintech revolution can enhance operational efficiency, remove human bias in risk identification, facilitate better understanding of customer needs and (consequently) improve customer experience. Fintech firms that have carved a niche in the AI, IoT, data analytics and Blockchain technology spaces would play a key role by partnering with traditional financial institutions and helping the latter improve products and services for end consumers.
Aranca believes that the future is Fintech 2.0 where larger opportunities for private equity/venture capital firms will be seen in the B2B space vis-à-vis B2C historically. There is an explosion of new technologies and new-age Fintech startups are mushrooming. Investors should closely monitor these advancements and take informed decisions on when and what to invest in.


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How many countries including India have signed an agreement to stop the spread of online fake news?
Answer with explanationAnswer: Option B
Twenty countries have committed to promoting credible news only after taking action against fake news. Fake news has become a challenge for the world. It is largely misused during elections. In Malaysia, fake news can lead to 6 years in jail.

subset: commoncrawl


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Doe's Eat Place – Bentonville
Business Name: Doe's Eat Place – Bentonville
Business Genre: dining, fine-dining, restaurants, steaks
Long Business Description:
Doe's Eat Place of Bentonville carries on the Delta Tradition of Giant Delicious Steaks and Hot Tamales, this franchise only serves 100% USDA Prime Beef and several Gulf Seafood options. Doe's is located 2 miles West of Highway 540 and about 2 Miles South of Walmart Headquarters, you will have farmers sitting next to millionaire Business people on any given night.
Send Message to listing owner
Listing Title: Doe's Eat Place – Bentonville


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Sri Aurobindo translates Aitareya Upanishad, Chapter 1, Section 3 (part 1): "The Spirit thought, 'These verily are my worlds and their guardians; and now will I make me food for these. The Spirit brooded in might upon the waters and from the waters brooded mightily over, Form was born. Lo, all this that was born as form, is no other than Food. Food being created fled back from His grasp. By speech He would have seized it, but He could not seize it by speech. Had He seized it by speech, then would a man be satisfied by merely speaking food. By the breath He would have seized it, but He could not seize it by the breath. Had He seized it by the breath, then would a man be satisfied by merely breathing food. …"
There follows a series of other analogous statements as various elements of the being try to seize food. The Upanishad then continues: "By the apana He would have seized it, and it was seized. Lo, this is the seizer of food which is also Breath of the Life, and therefore all that is Breath hath its life in food."
We tend to take the question of eating food for granted, as also the operation of the force of desire. The Rishis of the Upanishads, however, explored these issues as part of the larger question of the nature and significance of the manifestation and the operation of the universal forces that first involved the Infinite and Unmoving into the material worlds, and then began the process of evolving successively through various sheaths or layers of consciousness.
In a static and unchanging environment, neither food nor desire would be at all necessary. If however, change is to occur, then there must be some kind of mechanism or process involved in bringing about change. If it is meant to be organic change, not simply "miraculous creation", then this process must involve the creation, maintenance and dissolution of the forms and forces that carry out that change.
Matter in the form of food undergoes changes through the process of being devoured and incorporated into new forms. The life-force in the form of apana, one of the 5 Pranas, acts as the immediate cause of these changes in the material world. Desire is the energetic motivating force that moves the pranas in the world, with the entire play of attraction and repulsion, gravitational force, and in living beings the subtler energies of emotional attraction or repulsion, liking and disliking, being the actual expressions of this force in various forms. Hunger is considered to be the most outward form of the working of desire, but in fact, it is operative at each successive level of matter, life, and mind. That is why the Upanishad apportions Hunger and Thirst to have their place in the actions of all the universal forces that operate in the world.
Sri Aurobindo, The Upanishads, Aitareya Upanishad, pp.285-294


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Due to the duration and the indeterminacy of the contract, a Fairways Club owner was declared their contract be null and void from the Court of Granadilla de Abona. This condemning the developers and management team at Fairways to return the monies paid from the contract, less the compensation that has been established by the Supreme Court.
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In the wake of public opposition and an internal squabble, the Hampstead Town Council made no decision last night on a proposed compromise with developers that would allow 66 instead of 90 condominium units to be built in the Roberts Field development.
Councilman Wayne H. Thomas opposed dropping the appeal, noting that the town has invested much time and $42,000 in trying to keep builder Martin K. P. Hill and Woodhaven Building and Development Inc. from cramming 90 units into Roberts Field, the last phase of the development east of Route 30 and south of Lower Beckleysville Road.
While public opposition last night was minimal, centering on the location of large metal trash containers, council members said those details probably could be worked out with the builder.
Mayor Christopher M. Nevin said he would not offer an opinion on any aspect of the project because of a conflict of interest -- his employment at Provident Bank, which does business with the developers. "As a matter of ethics, I must abstain," he told council members and about 30 others attending the meeting.
Thomas raised a number of questions, saying he wanted to protect the town in the future. He wondered where the amended site plan for the project would be recorded, to guarantee that no additional units are built -- even if the property is eventually sold.
He also presented a letter from the Piney Run Preservation Association of Baltimore County, which opposes the project because of the potential impact of drainage from the site on the waterway.
Councilmen Stephen A. Holland and Haven N. Shoemaker Jr. favored adoption of the agreement with the developers. They said they want to limit legal expenses and assure that open space will be preserved.
Holland Shoemaker brokered the proposed compromise in December, figuring it was better to accept 66 units than risk losing the appeal and having 90 units.
The town had sought to halt construction in 1996. Former town manager Neil A. Ridgely, who served as zoning administrator, ordered construction stopped because the building permit had expired. Ridgely resigned last month.
At issue was whether the condominium project lacked sufficient open space and exceeded density limits, even though a site plan had been approved in 1993.
Hill, who has said he has no immediate plans to build the condominiums, sought relief from Hampstead's Board of Zoning Appeals. That board upheld Ridgely's decision and the dispute moved into Circuit Court.
Judge Luke K. Burns Jr. rendered a decision in October, favoring the developer and chastising the town's zoning administrator and zoning appeals board for failing to raise concerns over density and open space until long after the site plan had been approved.
Burns noted that hundreds of permits had been granted for the condominium project between 1984 and 1996 when the final permit was withheld. He ordered the town to issue a final construction permit to Hill and Woodhaven.
The Hampstead Town Council voted to appeal Burns' ruling.
A vote by the council to pursue a compromise would not mean the town and developer are in total agreement. Details of the compromise would have to be worked out and both sides would have to sign a formal agreement, Holland said.
Pub Date: 2/10/99


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Financial Analysts Journal 01 Jan 2003 Volume 59 Issue 1
Surprise! Higher Dividends = Higher Earnings Growth
We investigate whether dividend policy, as observed in the payout ratio of the U.S. equity market portfolio, forecasts future aggregate earnings growth. The historical evidence strongly suggests that expected future earnings growth is fastest when current payout ratios are high and slowest when payout ratios are low. This relationship is not subsumed by other factors, such as simple mean reversion in earnings. Our evidence thus contradicts the views of many who believe that substantial reinvestment of retained earnings will fuel faster future earnings growth. Rather, it is consistent with anecdotal tales about managers signaling their earnings expectations through dividends or engaging, at times, in inefficient empire building. Our findings offer a challenge to market observers who see the low dividend payouts of recent times as a sign of strong future earnings to come.
About the Author(s)
Rob Arnott is chairman and CEO at Research Affiliates, LLC. He pioneered several portfolio strategies that are now widely used, including tactical asset allocation, global tactical asset allocation, tax-advantaged equity management, and the Fundamental Index® approach to indexation. Previously, Mr. Arnott served as chairman at First Quadrant, LP; as global equity strategist at Salomon Brothers; as founding president and CEO at TSA Capital Management (now part of Analytic Investors, LLC); and as vice president at The Boston Company. He is a frequent contributor to financial journals and books and is the co-author of The Fundamental Index: A Better Way to Invest. Mr. Arnott has published in such journals as the Journal of Portfolio Management, the Harvard Business Review, and the Financial Analysts Journal, where he also served as editor. He has received five Graham and Dodd Scroll Awards from the Financial Analysts Journal and two Bernstein Fabozzi/Jacobs Levy Awards from the Journal of Portfolio Management. Mr. Arnott holds a degree in economics, applied mathematics, and computer science from the University of California, Santa Barbara.
Clifford S. Asness is managing and founding principal at AQR Capital Management LLC. Previously, he was managing director and a director of quantitative research for the asset management division at Goldman Sachs. Dr. Asness serves on the editorial boards of the Journal of Portfolio Management and the Financial Analysts Journal and the governing board of the Courant Institute of Mathematical Finance at New York University. He has received the James R. Vertin Award from the Research Foundation of CFA Institute for producing a body of research notable for its relevance and enduring value to investment professionals in addition to other awards given for his written articles. Dr. Asness holds a BS from the Wharton School at the University of Pennsylvania, a BS from the Moore School of Electrical Engineering, and an MBA and a PhD from the University of Chicago.


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Questions During COVID-19
We are currently navigating uncharted territory during the COVID-19 Shelter In Place. I want to reassure you that I am still working, though virtually instead of in person, as are my partners in lending, title and marketing. Fortunately, our technology allows us to be innovative in creating new ways to work in this changing environment. As a buyer, seller, or anyone looking for help during this time, please reach out to me and I will answer your questions or point you to someone who can. Thank you, stay well, and I'm still here to help! Connie
COVID Report
Should I Buy Now?
While our lives have changed suddenly and drastically, and we are all being extra vigilant during this tumultuous time, the decision-making factors associated with buying a home remain the same.
Buyers will still be impacted by life events, personal finances, job relocation and stability, available housing supply and mortgage rates, to name a few.
What also remains the same is that, from a long-term perspective, the benefit of wealth accumulation, positive intergenerational effects and social gains of homeownership are undeniable.
The current crisis has not undermined the long-term value of owning a home in California.
In addition, the current low-rate environment offers first-time homebuyers a unique opportunity to get their foot on the property ladder at a historically low cost.
For those in the financial markets, many potential buyers will have seen their wealth negatively impacted, which could reduce their willingness to purchase and/or the amount they are able to offer on a home. Alternatively, they could be incentivized to invest in real estate as a strategy to protect their assets from further financial market turbulence.
The bottom line: Each individual homebuyer should consider their own specific personal and financial circumstances and understand that while the risks from coronavirus as this 'new norm' are certainly more elevated, the economy and housing market will recover and housing in California will resume its upward trend.
Should I Sell Now?
If the time is right for you, the time to sell is now.
If a seller's personal and financial circumstances help make them comfortable pulling the trigger, then selling in today's 'new norm' can prove fruitful.
Housing demand is high, as homes in California were selling quickly in February with minimal discounts. Plus, there is currently a dearth of homes available for sale with pending sales down and active listings falling by more than 20 percent in recent months.
Therefore, in terms of market fundamentals, sellers are poised to sell their homes quickly and near to their full asking price.
We do caution our seller clients that they should balance these positive market trends against the unknown impacts of a worsening coronavirus outbreak like economic uncertainty and the potential for recessionary job losses, as well as the risks of infection during the physical process of selling their home that come from open houses, listing appointments,and other personal interactions.
The bottom line: California's chronically undersupplied housing market should keep some upward pressure on home prices as demand far outstrips available housing supply.
Should I Refinance Now?
It depends: Conventional wisdom says if you're able to reduce your mortgage interest rate by at least 1 percent, then a conversation with a lender is worth pursuing.
When you sit down with the lender, make certain you ask about refinancing costs, as they can be higher than the initial mortgage and can take years to recoup.
The good news is that mortgage rates remain at historic lows and last March, they fell to an all-time low. However, with the market buzzing, the rates quickly shot back up as loan originators struggled to keep pace with the demand.
The bottom line: From a macroeconomic standpoint, rates are near historic lows, which presents a significant opportunity to save money over many years.
Meet CONNIE FOLEY
Connie, born and raised in the Santa Clara Valley, is a 2nd generation Realtor* with a deep love and knowledge of the San Francisco Bay Area. She has gone through the local public school system and attended San Jose State University. She is passionate about home ownership and is well aware that this is one of the largest investments that you will ever make. Her personal goal is to create and manage a smooth transaction throughout both the listing and the buying process. For those thinking of leaving the Bay Area, she can help with a step-by-step Exit Plan.
Hard working, focused, and dedicated to her clients, Connie strives to represent the best in the Real Estate industry. A personal touch and commitment to excellence has resulted in a clientele that returns for service. Connie's proven marketing strategy, coupled with strong negotiating skills, will provide the service and results that you expect from a real estate professional.


text: Crisis is not over for world leadersLess than a year after the collapse of Lehman Brothers, the banks are back. Puffed up with profits, they are flexing their muscles again. This reality haunted the G20 finance ministers in London last weekend as they met to prepare for the summit that will take place in Pittsburgh in the US later this month. This will be the third meeting of the heads of government of the world's biggest economies in less than a year—a sign of the severity of the present crisis.2009/09/09


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From http://www.writingexcuses.com/2014/09/21/writing-excuses-9-39-publicity-for-books/
Key Points: Publicity is all about getting review coverage, interviews, podcasts, blog tours -- get the book out in the world so that people know it exists and they can find information about it. Word-of-mouth is what sells books. Get advocates, and get the booksellers excited. A well-written request to the publicist may get you a free book to review. To work with a publicity department, suggest pitches or write blog posts they can use. Suggest trendsetters you know. Put together interesting essays that touch on your book, and let the publicity department figure out where to use them.
[Mary] Season nine, episode 39.
[Brandon] This is Writing Excuses, publicity for books.
[Howard] 15 minutes long.
[Mary] Because you're in a hurry.
[Dan] And we're not that smart.
[Brandon] I'm Brandon.
[Dan] I'm Dan.
[Mary] I'm Mary.
[Howard] I'm Howard.
[Brandon] And we have special guest star, Patty Garcia. Say hi, Patty.
[Patty] Hi, Patty.
[Brandon] Patty is a publicist at Tor Books. She has... What's that? Publicity Director at Tor Books.
[Mary] I was just going to say...
[Brandon] I'm sorry. She has worked on my books and many other books and everyone's books and all of our books, I guess.
[Howard] She's never done publicity for me.
[Brandon] Well, yes, you don't really have publicity.
[Dan] You're not cool enough.
[Mary] That's because everybody knows you already.
[Brandon] That's true. You're already [garbled]
[Howard] That one did go on tape.
[Brandon] And continuing our theme from last time, Patty is also a rock star.
[Patty] True story.
[Brandon] So from the Rats of New York, you're the bass player?
[Patty] Yes, I am.
[Brandon] So let's talk about publicity for books. Now, new writers often have a lot of preconceived notions about publicity and about what will happen with books and what works and what doesn't. I'm going to share a little story here first, and then let you get into it. My most eye-opening moment with publicity, and this might actually be more marketing... That's one thing that authors don't get straight, is what is marketing, what is publicity. I came in and said, "So we're going to do some advertisements for my books?" The... I think it was actually Tom who quoted at me the price that it costs to buy an ad in the New York Times. I couldn't tell you what it is, but he quoted it at me and my jaw dropped and I realized it was more money than Tor would earn off of my entire book's print run to run one ad. Suddenly, how this works all changed in my head, where I realized they can't spend more money on the ad, on one ad for one day, than my book will make. This is why you're not going to be on TV. This is why it's going to be very rare to get newspaper advertisements and things like this. So, I'm like, "Well, what is publicity?" I had no idea. Patty's going to tell us what it is.
[Patty] It is good times, my friends, lots of good times, let me tell you. So, basically, our job in publicity is to get the books review coverage. Get the authors interviews. Get them on podcasts. It's basically getting the book out into the world so that people that are perusing online or in newspapers or wherever they happen to be looking, to get them information about the book and that it exists. It is, in a way, again the reviews and the interviews and people talking about the book, which is to say, an advertisement is... It's just like a static thing that's just kind of off to the side of the page. This is more author interactive. We hope. Because the number of books being published, it's a lot of zeros, probably close to pi. At this point, and I'm talking about self-published and e-only and everything. So that relative to the number of... Before... Newspapers, back in the old days, newspapers used to do a lot of book review coverage. Well, the newspapers are kind of going by the wayside, unfortunately. Also, they're shrinking, so there's no longer a dedicated book section in most major newspapers anymore. So it's really difficult, but still a lot of people are looking for books. Now that being said, there are some really great ones that cover genre as well, since we're doing a genre podcast. We've got Michael Dirda at the Washington Post who is amazing, and he covers a lot of genre and he's great. [Dav Morinews?] covers genre, [Bill Figure?] Cleveland Plains Journal, LA Review sometimes does it, so it's very interesting. I'm just talking about newspapers right now, because again, still a lot of people look to newspapers for book coverage and book reviews. Then, when I started in publicity at 24 in 2006, they had just started doing online reviews and we first started to see the blogs and things. It was Patrick's Fantasy Hotlist and... What was that name?
[Brandon] Oh, Pat's Fantasy Hotlist.
[Patty] Yes, exactly. It was two. It was Pat and it was... Love and respect... Oh, Fantasy Book Critic. With much love and respect, Robert Thompson. Because that's how he always signs off on email. Much love and respect, Robert Thompson. His name is one word. That is it. In any case, so those were the only two real games in town. But hey, we would take them. Now it's just grown, I mean, it's just out of control with the number of online sites and fans and [garbled]
[Brandon] So let me ask you a question on this. How, as a publicity director, publicist, you're working on a book... How do you distinguish? Like, I will get hundreds of people who want to review copies of my books, and will come and say, "Can you send me one?" I'm always like, "Oh, I'd love to have a review." But then part of me says, "But we can't send them to everybody." How do we determine which of these blogs we're sending to? How do we allocate our resources? It seems like that's the most important thing that you can decide, is how do I allocate my resources or the resources the publisher's given me, the monetary or the time.
[Patty] So, every house is different, but generally publicist get anywhere from 150 to 200 review copies. That sounds like a lot, but when you think that you have to send two to Publishers Weekly, which is a trade magazine, two to Locus, two... There's certain review places that they want two copies. The New York Times wants two copies, one for the review editor and one for whoever it might go out for review. Let me tell you, every time you follow up and say, "Hey, did you receive this book and will you review it?" There's a big percentage, I'd say 80% of the time, they're going to say, "I never received the book." They did, they just haven't opened up the package. Because if you've ever been in the office of a reviewer, like you're afraid that one day you're going to read their obit and they're going to find just their feet sticking out from a pile of books because they get too many books and so many books.
[Howard] Well, but that's not a good excuse to not review.
[Patty] Exactly. Because [garbled]
[Brandon] Crushed by Wheel of Time or Stormlight Archive books.
[Patty] Yes. Exactly. Crushed by the Stormlight Archives. In your case, it's just a one, so... The one book.
[Mary] This book fell off the shelf on to Jason Denzel [inaudible]
[Patty] Exactly. So long, Jason Denzel.
[Brandon] So, Patty, is it... Would you say... My assumption is, having been in the business for 10+ years now, that word-of-mouth is what sells books. Is this our primary method? So it's really interesting that this word-of-mouth is our method. As I was coming to understand publicity a little bit more, this is one of the things that I started to figure out, is a lot of brands aren't selling off of word-of-mouth. A lot of like mainstream brands or whatever... Like toothpastes are not selling as much off of word-of-mouth. They're selling off the advertising. You go into the store, you are browsing for toothpaste, you see the one that you saw the advertisement for, and the advertising on the package makes you buy it. Whereas when you read a great book, you talk about it more, I feel, than you talk about a toothpaste. Unless there's something revolutionary about it.
[Dan] Maybe your books.
[Brandon] So for a lot of industries out there, what they're trying to do is brand themselves in the right way so that when you walk by, because everybody wants toothpaste, hopefully, they see yours. Where with books, not everybody reads. A certain percentage of the population is going to read a book for fun next year, and it's a much smaller percentage than is going to use toothpaste. So our job is not to do the same sort of branding advertising so much as to get some advocates who will talk about our books to people.
[Patty] Yes. You are correct, sir. $500, you are correct. That is true, so that is... That's exactly what we're trying to accomplish by getting the reviews, by getting online mentions, by getting authors that are amenable and have the time to do blog tours where they'll write blog posts or do Q&As. But another aspect of our job, particularly for me as the director of the department, is I'm trying to get the booksellers excited. Those are the people in the store that when someone goes in the store saying like, "My son likes to read..." But they don't know what to get them. So the bookseller's knowledgeable to say, "I have the perfect book for you. You like Regency stories with just a hint of magic? Well, let me tell you so Mary Robinette Kowal, Shades of Milk and Honey, Without a Summer, etc., etc. That's my job as a publicist, too, to never stop plugging. But [what you're assigned to?]
[Brandon] Speaking of plugging...
[Mary] Oh, is it?
[Brandon] It's time for the book of the week.
[Patty] Already? So fast.
[Brandon] Speaking of plugging, do you have a plug for us of a book that they can get?
[Patty] Oh, God. I wish I was an auctioneer, because I would name every single book that Tor publishes. Because that's my job, especially with several of my authors on stage here with me and in the audience. But I have to say, the book that I choose to plug is... And this was hard, but then again, not that hard. There's a woman that... This is her pseudonym, her name is Katherine Addisson. The book is The Goblin Emperor. When I read this book, as... Again, as the director, I have to read pretty much every book that we publish, and it's very difficult sometimes, and not just because of the amount, but sometimes some of these books are just not my cup of tea because I just don't like that particular... Hey, we all have that, so I'm just being honest. So I have to be honest, and I told her this... Her name is Sarah Monette in real life. I told Katherine, I was meeting her at C2E2 and I had read everybody's books that was going. I needed to read hers and I was like, "Oh, I don't want to read this," because it was just a type of fantasy that I'm not a particular fan of. I figured I would read 60 books... 60 pages, just to get a flavor of it, and I loved this book. It was so good. It was one of those books where you're walking and like reading at the same time and trying not to run into anything. It's a big hardcover, it's hard to do. It's just a really great story. It's a standalone, there is no wait for... You gotta read the next 10 books... Cough, cough.
[Patty] It's just one book. It is a beautiful story, and it's really well written. Not that there's anything wrong with that.
[Brandon] I've written standalones before. They're just as long as other people's series.
[Patty] They are. I know.
[Howard] This one's available on Audible?
[Patty] It is available on Audible.
[Howard] Outstanding. Head out to audiblepodcast.com/excuse and pick up the Goblin Emperor by Katherine Addison. Do you know who the narrator was? I'm sorry.
[Patty] I don't know who the narrator was. I apologize. That's over my paygrade.
[Patty] But I would like to say one more thing. That is thank you. We just won Locus Award's Best Publisher for the 27th year in a row.
[Brandon] Wow.
[Patty] Let me tell you that we in the office are not... We are all like... You can't see me because this is a podcast. Basically this look...Aaa! Which is kind of a like surprise, happy, oh my God, my jaws hitting the floor. Because we never expect to win. I mean, I know that sounds stupid, but I don't want to be like... Oh, that famous actress, Mel Streep, but it's true. Like we really appreciate it so much, because it's fan driven and we just never have any idea we're going to get it. So many great publishers are putting out so many great works right now. We were up against a lot of great people out there. So I just want to thank everybody for voting us again. We always appreciate it. We never rest on our laurels.
[Mary] So, one of the things, going back to something we were talking about before the break, trying to get it out there and having people talk about the book. One of the things we used to talk about when I was doing this sort of thing with theater was that there was a here he that it took seven impressions to make a sale. That someone had to see something seven times, before they remembered it enough to be like, "Oh, that thing. I should pick up that thing." Do you have a sense of that with publ... I mean, is that something that happens with publicity for books as well, or is that something that is strictly for other types...
[Howard] Do you have cold equations for getting out that many reviews or...
[Patty] No, I mean...
[Mary] Like, is there a critical mass? Like if I get it in enough places, it'll take off?
[Patty] It's just... We have had books before where we have... If we do a blog tour, for instance,... A minimum of 20, if we can do up to 40, that's great, and anything over that, we're just whoo-hoo! We have had books, I won't name them here, but we've gotten over 100 on line mentions, reviews, super successful blog tour and it just doesn't do a blip. Conversely, it used to be that authors wanted to be on the Today show, because that sold books. We have another imprint that we do, Forge, and that's a whole other topic, a whole other show. But we have had authors from that imprint on the Today show and it's just not even a blip.
[Brandon] Not a blip? Wow.
[Patty] Not a blip, not a thing, not any kind of movement. So it's really hard to say.
[Howard] Brian McClellan, his Promise of Blood book, I think he's published with orbit. I picked it up because I met Brian at a convention, and he was a fan of my comic, so... Out of duty, I decided to read his book. It was on sale for like $2.99 or something. I read it and loved it and blogged about it. When I blog about things, I link to Amazon because I need to get paid somehow for giving away things on the Internet. I can track. I have sold 1100 copies of his book. 1100 copies of his book. Funny thing happened, his publicist called me and said, "Can we send you copies of his next book?"
[Howard] At occurred to me that as a publicist, as a publicity director, you probably have your fingers on the pulses of some of these things. How do you do that? Because I would like to be able to get more free books, and I'm wondering how to get on the radar.
[Patty] Well, a well-written... We do, we do have to keep track of a gazillion different things, and that's why our eyes are constantly rolling in separate directions when you see us walking down the street. But we do keep track of those things. Because we have Lexis-Nexis, which is the aggregator of all the articles that came out, that probably a lot of people don't know about. Of course, we use Google, so we can tell.
[Howard] Is Lexis-Nexis something that we have access to or is it a...
[Patty] It's expensive. Mostly, it's in-house types of people who use it. Basically it's a way to track articles.
[Howard] Subscription aggregator? Okay.
[Patty] But we would see it through that. Like, "Wow, look at all this activity." But if a publicist isn't finding out, and you would like to receive books, a well-written... It doesn't have to be long, but just tell us what you're reviewing, how many blog hits you're getting, a timeframe of when we send you the book... Because a lot of times, we'll send a book and it doesn't get reviewed for a year and a half later, which is fine because we want the book to continue to sell, but what if it's out of print at that point? So we kind of like it to be timely. Please, please, please, please include your street address, because often times if I'm super busy and I get an email from somebody requesting a review copy and they don't have their address on there... I'm sorry, I just, at this point, I'm going to delete it. Because I just...
[Howard] Don't have time to go back and look it up.
[Brandon] Patty, I want to go in a slightly different direction with this. Let's say one of our listeners is a new author, their book is just coming out, and either they have like publicity is just scaring them or they're feeling like they're lost. What is your advice for a new author? What steps should they take? What things can they do? How can they work on their own? How can they work with their publisher? That sort of thing.
[Patty] Okay. So the number one number one rule is be nice. Please, please be nice. You would not believe how many people are not nice in this universe. But that's just kind of an aside. But just have ready... Please know that we have databases that we use, so obviously we're going to be sending your book to your local newspaper, your local radio stations. We have a great list of science fiction, fantasy... We have it broken down by genre. Like urban fantasy, magical realism, zombies, vampires, cats, whatever... The whole thing. So we have a pretty good list. So we... Writing to us and telling us that we should be sending your book to Locus magazine is just not at all helpful, and it takes time out of our afternoon. So maybe just come up with... If you have like three ideas or something... Of "Hey, here are three different types of pitches you could use. Here's an idea, use this to pitch, here's an idea, use this to pitch." Come up with different... Like maybe write four different posts for blog posts we could use, because bloggers like to receive...
[Brandon] I see a lot of that happen these days. Sometimes... I mean, Barnes & Noble blog will come to us and say, "Hey do you want something..." And whatnot, or "can you do something?" So having a few of these ready could be really useful.
[Patty] Exactly. Have them ready to go.
[Howard] So if you... If the publicist... If the publicity department hasn't set up a blog tour, are the things that the writer can do in order to get that ball rolling, so that something like that happens? I mean, because sometimes blog tours are effective.
[Mary] One thing that mine asked me was... She didn't phrase it this way, but if I knew any trendsetters, basically. Like... Trendsetters are people that... Like Howard Tayler...
[Mary] John Scalzi. No...
[Howard] I'm a taste maker.
[Mary] Taste maker, trendsetters... Sorry. Someone people runs from is probably not as...
[Patty] Not as catchy.
[Mary] Yeah. But that would be one of the things.
[Howard] Well, Mary, you've got The Favorite Bit on your blog.
[Brandon] Scalzi has one that similar to that.
[Mary] The Big Idea. Which is where I got the idea for My Favorite Bits.
[Brandon] The big idea for your favorite bit?
[Howard] What's funny is that when I wrote a thing for My Favorite Bit and The Big Idea, and looked at them side-by-side, I realized I am not allowed to write the same piece for both because Mary and John know each other.
[Mary] It's not that. It's that we have audience overlap.
[Howard] Well, yeah.
[Dan] When you're writing something like this, it helps to think outside the box as much as you can. You can only read so many articles of "Here's what I think of my own book." The most successful blog tour I ever did was a timeline of the Partials series. Which is not me talking about the series, it was not me talking about the characters or where the ideas came from. It was just a bunch of world building information that was... Ended up being super popular with the audience.
[Howard] Didn't you do some tour post type things about sociopathy when you were doing the John Cleaver...
[Dan] Yeah. Just trying to get as wide a variety of blog articles.
[Patty] Yes. That's great. Like have a lot of creative ideas. This whole... About who my favorite writers are and what my writing inspiration comes from, just as much as you get a little tired of hear... Of answering those questions, people don't really... That's just not what we want to pitch. We want you to pitch.
[Brandon] You want a really cool blog idea to pitch.
[Patty] Right. Exactly.
[Brandon] If you had it in hand, and Barnes & Noble came to you and said, "We want Brandon Sanderson," and Brandon Sanderson says, "I can't write a blog post for you for this." If you had it in hand, by this new author "We have this really cool thing that this author wrote. Why don't you take that instead?"
[Patty] Exactly.
[Brandon] Being there for when the authors who already have a slot can't fill the slot I think is... I've seen when new authors get a huge amount of publicity, it's when a bigger author drops the ball. I've heard Pat Rothfuss talk about the fact that there was a big author at DAW who missed a deadline, and they had already set aside all these resources, and Pat's book was ready. Pat said, "Yes, I'll do that." Then suddenly all of this... All of these things happened. So being ready, being proactive, might be the place to be.
[Howard] Let me... I want to go back to this point that you've made because it sounds fascinating. As a new writer, putting together interesting essays that touch on your book. Putting them together in advance of knowing where they are going to go and just handing them to the publicist, publicity department, is a valuable exercise?
[Patty] Yeah. I... Well, not... I mean, we don't want to make you do all the work.
[Howard] But those... But you having that thing means that if an opportunity presents itself, you can just execute.
[Patty] Exactly. Exactly.
[Howard] That's a thing that writers can and should do.
[Brandon] We are out of time. I would like to make mention, for Patty's sanity... You may see Patty at a tradeshow or at a comic con or something. Patty can't buy your book. Patty's a publicist. Patty does have people coming up to the booth all the time saying, "Will you read my manuscript to buy it?" That's not a Patty question. That's Paul Stevens job, and he's going to be on our next podcast.
[Brandon] Sorry, Paul. All right. We need a writing prompt.
[Howard] Okay. Here is your writing prompt. You need to write an essay that touches on one of your books that will interest people in your book. You're going to hand this essay to a publicist. Whether or not you have one. Imagine that you've got a publicist. This is the essay that you are writing. I think that it's an exercise that...
[Brandon] That's a fantastic one.
[Dan] Whoo!
[Brandon] Well done, Howard
[Mary] [inaudible]
[Brandon] You're out of excuses, now go write.


text:
Red Tan has encountered more struggles than most in her life, but after losing her husband to the dengue virus, she felt she had to fight even harder for her career, and honor his memory.
After blowing away the judges at the World Championships for Performing Arts in Los Angeles – an annual competition for musicians and other artists from 60 countries around the world, she took home 2 medals, and then went on to become a grand finalist in Open Mic UK.
Red's most recent release, 'Don't Let Go', is an attempt to put into words her feelings at losing the man she loved. A message that will resonate with anyone who has experienced loss, being both haunting and beautiful. Accompanied by a sensational video, it is clear to see Red Tan is a pop star in her own right, and there's no signs of stopping her anytime soon.


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text:
Some TMNT stuff really isn't for little kids.
Page 1
Casey Jones "Okay, what exactly are we going to ask the professor?"
April O'Neil "You know, Casey, you didn't have to come."
Casey "I'm a team player, April, y'know?"
Leonardo "Guys, look—isn't that Dr. Miller?"
April "That's him. He's talking to someone."
Leo "The way she moves... It looks like—"
Page 2
"—It's Karai!"
Raphael "Yeah, and he's looking pretty friendly with her to me."
Casey "I knew my gut was on to something!"
Leo "We shouldn't get ahead of ourselves. He could be in danger."
Leo "So we follow them!"
Page 3
Patrick Miller "So... Are all these men here for me?"
Miller "I'm just a professor, not a master spy."
Miller "...Though room..."
Oroku Karai "Dr. Miller."
Karai "We require your expertise, not your humor. Let us continue this ride in silence—"
Karai "—Wait. That van."
Karai "<We are being followed. Evade them.>"
Page 4
Raph "Looks like they spotted us!"
April "I won't lose them."
Miller "What's going on? Are we being chaed?!"
Karai "Silence!"
Karai "Prepare for battle!"
Miller "What—?!? Who are you people?"
Tollbooth Guy "Hey, stop—whoah!"
Page 5
Casey "Incoming!"
Raph "Yeah, Casey—we ain't blind!"
Raph "Keepin' this thing steady would help, April!"
April "I'm doing my best!"
Casey "Oh, no you don't!"
Casey "Guys, watch out—"
Casey "—There's still one more!"
Leo "Take care of it, Raph—I can handle these two!"
Raph "You got it."
Page 6
Ninja "Unh!"
Raph "Well, look who it is!"
KaraiLowly beast! ""
Raph "Aw, you're gonna hurt my feelings talkin' like that."
Karai "Perhaps I should hurt something else."
Page 7
Miller "Oh!"
Leo "Whoop—"
Leo "Are you two okay? We have to—"
Casey "You guys get after 'em—I'll check April out!"
April "You'll... What now?"
Leo "Faster!"
Raph "I'm goin'!"
Page 8
Leo "Karai!"
Karai "Too slow!"
Leo "No!"
Leo "You guys all right?"
Casey "Couple scratches, but we're fine. Lucky for us this van's practically a tank."
April "Did they get away?"
Raph "Not for long. Leo and I borrowed this think Donnie's been workin' on. Check it out."
Raph "We planted a tracker on 'em."
Page 9
Miller "I don't understand..."
Miller "Why did you bring me here? What do you really want from me?"
Karai "We want exactly what I said we did, Doctor. My master will make all things clear."
Shredder "I must apologize for the stress you've been put through today. However, as Karai said, our offer is genuine. We would very much like to make use of your expertise."
Shredder "Karai."
Miller "What have I gotten myself into..."
Page 10
Shredder "You've simply found what you've been looking for, Doctor."
Shredder "We are the Foot Clan."
Miller "Impossible."
Shredder "We have been following your work, Doctor. You have found things that have been lost... Even to us."
Shredder "Would you like to see just how much more you can find with the proper support?"
Miller "The Ashi no Himitsu!"
Page 11
Monk (flashback) "Now, young Saki..."
Monk (fb) "...Which of these belongs to you?"
Oroku Saki (fb) "Ummm..."
Saki (fb) "...This..."
Saki (fb) "...And this..."
Saki (fb) "...Aaaaand..."
Saki (fb) "And this! I make this!"
Page 12
Oroku Maji (fb) "No! None of these things belong to you, Saki!"
Monk (fb) "I am sorry, Master Maji, but we cannot deny what we have seen. Tatsuo Takeshi has been reborn..."
Maji (fb) "...In the firstborn of his assassin. In my own son. The witch's curse has borne fruit."
Monk (fb) "Oroku Maji, you must listen: Even though it is Tatsuo Takeshi's soul inhabiting Saki's body, he is still your child... And children are blank washis, ready to absorb all that life gives them."
"You have the chance to save the spirit of a betrayed and bitter warrior with the most powerful and valuable of dharmas—"
"—Love. You can help to achieve a balance, Oroku Maji, and break the cycle of terrible karma that began over one hundred years ago."
"It will be difficult, but it can be done."
Page 13
"Time will tell what kind of man your son becomes..."
Masato (fb) "We gather to celebrate! A feast has been provided by the merchant Kaneko in gratitude for avenging the murder of his son and restoring his family's honor."
Saki (fb) "Ochi's guards were almost a challenge. Still, the contract could hardly have been completed without my involvement..."
Tang Shen (fb) "I'm surprised he hasn't yet taken credit for the entire mission... I do wish you would correct him, Yoshi."
Hamato Yoshi (fb) "I would, my love, but I find that I prefer his boasting to his attempts at conversation."
Yoshi (fb) "Oh! I must speak with master Masato. I will return in a moment."
Shen (fb) "Hurry back."
Saki (fb) "Why, Tang Shen—what is this?"
Saki (fb) "Has Yoshi left you all alone?"
Page 14
Saki (fb) "You—!"
Saki (fb) "You have made a mistake, Hamato Yoshi."
Masato (fb) "Stop!"
Masato (fb) "This is not the time for a fight. It is a time to celebrate, and for more than just one reason. Yoshi, walk your lovely wife home. And then join us at the castle. Saki, come with me."
Saki (fb) "But—"
Masato (fb) "Was I being too vague, Oroku Saki?"
Saki (fb) "I—no, Master."
Page 15
Saki (fb) "—But he started it!"
Maji (fb) "You must have more patience if you ever expect to lead, my son, and far more respect."
Saki (fb) "But..."
Yoshi (fb) "Masters. You requested my presence?"
Maji (fb) "Ah, Hamato Yoshi, yes. First allow me to offer my congratulations; I hear you are to be a father soon."
Maji (fb) "...But that was not why I summoned you. Ochi's assassination was an important contract and a dangerous mission. But it was also a trial."
Masato (fb) "The council has met, and agreed—it is time to increase your responsibilities within the Clan."
Masato (fb) "Tomorrow you will both become our newest chunins."
Saki (fb) "What?! Him?!"
Maji (fb) "Oroku Saki!"
Masato (fb) "WAit, Maji, if they are to lead one day, they must learn to work together now."
Masato (fb) "Yoshi, go talk with Saki. And do not let this be the time you fail to control your own temper."
Page 16
Saki (fb) "Have you come to mock me, then? Or perhaps to fight?"
Yoshi (fb) "I have no wish to fight, Saki."
Yoshi (fb) "Masters Masato and Maji are worried about you, however. I share their concern."
Saki (fb) "Oh, do you?"
Yoshi (fb) "I recognize your anger... And I do not envy you the struggle you will have to conquer it."
Saki (fb) "You know nothing of what I feel. My entire life, I have felt destined for greatness... But my own father has always been quick to disagree."
Saki (fb) "I have worked hard to prove my worth. And now, when I am finally recognized for these efforts..."
Saki (fb) "...I am forced to share the glory."
Saki (fb) "Perhaps my destiny is not what I have always believed after all."
Yoshi (fb) "Or consider that your anger is what truly delays your destiny, Saki."
Page 17
"Perhaps meditation will help you find your way, as it has helped me and mine."
Saki (fb) "Who speaks?"
Saki (fb) "Yah!"
Kitsune (fb) "You will find your legacy hidden in the floor."
Saki (fb) "In the... Floor...?"
Page 18
Donatello "You guys do know you could have done this before we got here. You had plenty of time."
Raph "Sure we coulda, y'know, exactly Donatello "duzmachines." "
Donnie "Are you ever going to let me live that screen name down?"
Raph "I'm thinkin' no."
Leo "Cut him some slack, Raph. His tracking-shuriken works perfectly."
Michelangelo "Awesome! I was helping him built more all day."
Donnie "He sat next to me and read a comic book while I soldered."
Mikey "Okay, I helped keep him company. Now what's the deal with the professor guy?"
Leo "The Foot took him... He's either working with them or he's onto something valuable."
Casey "So what's the play, coach?"
Splinter "We shall follow this signal to its source—"
"—And then we shall infiltrate."
Page 19
Casey "Maybe you shoulda stayed in the van."
April "Maybe you should have, too."
Casey "I... Er...well, somebody's gotta try to get the prof outta here while the guys deal with arrow girl, right?"
April "And that's why I came. He might not find the hockey mask as charming as I do."
Casey "Aw, nuts."
Mikey "Trick or treat!"
Donnie " "Trick or treat?" Really? That's the best you could come up with?"
Raph "Seriously. Ya had a whole climb to think of somethin' better!"
Mikey "I was gonna follow up with "smell my feet." Get it? Because—"
Leo "Mikey. Focus."
Page 20
Miller "This is incredible! There's no telling what I could discover with so much of the manuscript at hand..."
Shredder "I am pleased to hear this."
Miller "I just need to check this against my—"
Shredder "What is this?!"
Miller "I'm sorry?"
Shredder "You incompetent fool! How did you not see this?"
Shredder "You have given our position away!"
Ninja "Master!"
Shredder "What?!"
Ninja "The enemy is here, Master."
Miller "Enemy? What enemy?"
Page 21
Shredder "The only one that matters."
Shredder "Alopex!"
Alopex "Master?"
Shredder "Stand watch over this man."
Miller "But-But-But that's a—"
Shredder "A mutant, Dr. Miller, and a loyal follower. She'll keep you safe."
Miller "Why does she have to? I mean—this is the second attack today..."
Shredder "Our enemy, Doctor, fears the knowledge you can give to us, and is under the mistaken impression that they can somehow prevent it."
Shredder "I shall have to remind them of the natural order of things. Their destiny is to fail..."
Page 22
Shredder "...Whereas my destiny is to conquer."
Community content is available under CC-BY-SA unless otherwise noted.


text:
Western United fans might be wondering whether their team, not their Sydney counterparts, should be called Western Wanderers given the peripatetic nature of their fixturing, which sees them play at a third home ground in three successive matches on Sunday.
Ballarat's Mars Stadium is the venue for Mark Rudan's team's clash with Robbie Fowler's improving Brisbane Roar, the pair lying seventh and sixth, respectively, on the ladder as they both chase a finals berth.
Rudan and Liverpool legend Fowler clashed after the game when the two clubs met for the first time at Suncorp Stadium in December, when United soaked up Brisbane's pressure and won 2-0.
But both were quick to say that there was nothing in the incident and after a post-match telephone chat with Fowler, Rudan said that any differences between he and the Brisbane officials had been ironed out.
Since then Brisbane have had the more impressive form-line winning three of their last four games, while Western have won only one of their last five.
But the hosts should be strengthened by the return to action of Alessandro Diamanti, the mercurial Italian midfielder, who has been such a key player for them this season.
Diamanti has had the bye week to get over the injury, which kept him out of Western's last match in Newcastle when they were under the cosh for most of the match but somehow survived in intense heat to grab a point in a goalless draw.
Western, who have concentrated their media and public relations efforts all week in Ballarat, will be hoping for a decent crowd for their second match at Mars Stadium.
The club is hoping to appeal to supporters in the western districts of Victoria as much as they are Melbourne's western suburbs, and in their last three matches they have tried to make that point by playing at Geelong's GMHBA Stadium, Footscray's Whitten Oval and now at Mars Stadium.
The last time Western played in Ballarat they lost 3-1 to a then bang in-form Wellington just after Christmas. Now, refreshed from the bye week, Rudan is optimistic that his side can mount a push for a finals place in the last third of their debut campaign.
"It's a big game. But they're all big games. We played them away from home and we beat them," he said.
"It's been a fantastic two weeks of training. The boys' attitude and the way they've applied themselves and just in general, the atmosphere around the club, has been really, really great.
"We're back in Ballarat. And we want to try to make amends. Last time we played there it didn't go according to plan. But we've assessed and analysed the opposition quite well."
Western announced via their website on Friday that the club now had 5,000 members.
"This achievement shows the strong connection we are building with our community across the west. I'm very proud of how this connection is growing stronger every day as evidenced by today's milestone achievement," said CEO Chris Pehlivanis.
Meanwhile, Roar boss Fowler says his side has shown impressive mental strength to recover from a poor start to the season and put themselves in finals contention.
"It's a tough game. They have obviously had some strong results this year," Fowler said.
"We probably need to keep it a bit tighter. I think in the first few minutes last time we met, we suffered a goal and it made it really difficult as they got lots of men behind the ball and sat deep.
"Our mentality has been fantastic all year. We got a little bit of stick earlier in the season for not scoring in the first half. Performance wise, we've always been okay and whereabouts we need to be.
"We're getting some plaudits now because we're finishing strongly and earning results, and that's down to the character, the belief and the mentality of our lads."
Scott McDonald, who quit Western just halfway through the first season to join the Roar, is not able to play because of a clause inked into his release clause. Full-back Izaack Powell is unavailable through international duty but Scott Neville returns after a one-match suspension.
"We have options. This why we have the squad we do – there are players who haven't been involved and then we've asked them to do a job and they've done remarkably well," Fowler said.
"Whatever team we go with, whoever comes in, they'll do a job for us."
Michael Lynch is The Age's chief soccer reporter and also reports on motor sport and horseracing


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Baltimore's plans to condemn 90 homes in the city's Wagner's Point area moved one step closer to happening yesterday with the initial backing of the city Board of Estimates.
The five-member panel, which includes Mayor Kurt L. Schmoke and approves all city spending, voted 4-0 to support a City Council bill that would authorize taking the homes by negotiated settlement or eminent domain. Board chairman Lawrence A. Bell III, president of the city council, abstained.
Since last spring, Wagner's Point residents, worried about pollution and a series of cancer cases in the South Baltimore neighborhood, have asked the government and the petrochemical plants on their Fairfield peninsula to jointly negotiate and finance a relocation of their homes.
As part of the process, the city has agreed to give residents an appraised "fair market" value for their homes.
But homeowners believe the industrial development that prompted their request will depress appraisals. They want "comparable" values for their homes -- enough to buy similarly sized houses in cleaner areas.
In recent weeks, the debate has reached a stalemate.
Schmoke has declined to join negotiations with industry, state and federal officials. He has chosen to use the condemnation ordinance and to begin appraising properties, without -- so far -- showing the results of those appraisals to residents.
Confused and worried about what the appraisals might say, residents have taken the position of opposing the eminent domain bill -- and the neighborhood relocation they desperately want.
Officials with state government and industry say the mayor's refusal to negotiate has left them unsure as to how much money they should commit to relocation.
Residents were caught by surprise by yesterday's vote. Rose Hindla, the neighborhood president, criticized the board for supporting condemnation before the appraisals are public and a relocation agreement is in place. "They should have waited and negotiated," said Hindla.
The City Council's Taxation and Finance Committee will hold a hearing on the plan at 5 p.m. Feb. 25 in council chambers. Residents are planning a demonstration before the hearing.
Pub Date: 2/18/99