Velkomin(n) Constantin web

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,,Vírus'' eða þannig.Þessa mynd gerði ég í djóki.

af því ég þoli ekki netvara símans sem lokar á smábarnaleiki

sem hann segist hafa vírus í för með sér.

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Hver er þetta?

Klukkan um.b(19:35) miðvikudagur / 26.08.09.21 öld.

 Hver er Þetta?,hvaðan kom hann?,hvernig gerðist þetta?.

Ég sé hann alltaf fyrir framan mig í forstofunni,hann hreyfir sig nákvæmlega eins og ég,hann er nauðalíkur mér,hann fer strax og ég fer úr forstofunni,Stundum hugsar ég,er þetta ég?,eða er þetta bara ýmindun í sjálfum mér?,Þessa gátu er erftitt að ráða,Eða er ég bara að horfa í spegil???

Sigþór Constantin jóhannsson

S

Numa Numa

Kaupþing-Wikileaks

By Marc-Christoph Wagner (Frankfurter Rundschau)[1]

Und im Schrank rasseln die Skelette

Kopenhagen. Die Veröffentlichung einer streng vertraulichen Schuldnerliste bringt die isländische Kaupthing-Bank erneut in Erklärungsnöte. Kurz vor ihrem Zusammenbruch im vergangenen Herbst vergab sie an eigene Großaktionäre sowie deren Geschäftsfreunde Kredite in Milliardenhöhe - teilweise ohne Sicherheiten.

"Bei uns gibt es keine Korruption", betonte die isländische Juristin Brynhildur Flóvenz noch kurz nach dem Kollaps der isländischen Wirtschaft im Oktober. "Und doch wäscht eine Hand die andere. Jeder kennt jeden - nicht selten drückten der Vorstand eines Unternehmens, der Bankmanager sowie der Beamte der Finanzaufsicht die gleiche Schulbank."

Nun enthüllt ein 209 Seiten starkes Dokument, veröffentlicht auf der Internetseite Wikileaks.org, interne und vertrauliche Daten von 205 Kunden der ehemals größten isländischen Bank, Kaupthing. Jeder, der dem Kreditinstitut mehr als 45 Millionen Euro schuldete, ist darin aufgelistet.

Das Prekäre daran: Die Liste wurde von der Bank selbst erstellt und am 25. September des vergangenen Jahres auf einer Aufsichtsratssitzung dazu benutzt, um eine Risikoanalyse des eigenen Hauses zu erstellen - knapp zwei Wochen bevor die Bank am 9. Oktober zusammenbrach und vom Staat übernommen wurde. Ein bislang unbekannter, aber offenbar hoch angesiedelter Mitarbeiter der Bank hat das Dokument nun veröffentlicht.

Die Liste dokumentiert überaus verantwortungslose Geschäftspraktiken. So schuldete allein der Finanzkonzern Exista, der größte Anteilseigner der Kaupthing-Bank, dem Institut 1,4 Milliarden Euro, wobei Sicherheiten nur für die Hälfte des Betrages vorhanden waren. Der zweitgrößte Schuldner mit 1,374 Milliarden Euro war demnach der britische Finanzinvestor Robert Tchenguiz, seinerseits wiederum Großaktionär und Aufsichtsratsmitglied von Exista. Zudem wurden Kredite auch an Aufsichtsratsmitglieder der Kaupthing-Bank gegeben, ohne dass übliche Sicherheiten verlangt wurden.

Insgesamt schuldeten allein die zehn größten Kaupthing-Kunden der Bank im vergangenen Herbst rund sieben Milliarden Euro. Das entspricht mehr als dem Doppelten des isländischen Staatshaushaltes und einem Mehrfachen des damaligen Eigenkapitals der Bank. Ein Heißluftballon, den die Bank selbst aufblies, indem sie eigene Aktien kaufte, um den Kurs in die Höhe zu treiben. Um diese Ankäufe zu finanzieren, musste die Bank sich wiederum Milliarden Euro leihen, wofür sie lediglich eigene Aktien als Sicherheit stellte.

Politiker wollen Transparenz

Eine Spirale, die auch den Finanzexperten Vilhjálmur Bjarnason von Islands Universität noch im Nachhinein erschüttert. Der dänischen Tageszeitung Berlingske Tidende sagte er, das Dokument bestärke ihn in der Annahme, "dass in dem gesamten System kaum Eigenkapital vorhanden war". Und dennoch sei er überrascht, wie wenig Sicherheit die Bank für die Vergabe von Krediten verlangte. "Ich dachte, sie betrieben ein Bankgeschäft und keinen Venture-Fonds."

In Island selbst hat die Liste einmal mehr zu öffentlichen Auseinandersetzungen geführt. Dem staatlichen Radio- und Fernsehsender RUV wurde gerichtlich untersagt, über das Dokument zu berichten. Als Begründung wurde seitens der Kaupthing-Bank auf das strenge isländische Bankgeheimnis verwiesen.

Politiker aus allen politischen Lagern aber haben inzwischen gegen die Verfügung protestiert: Das öffentliche Interesse an dem Dokument habe doch vorzugehen. Wikileaks.org weigert sich indes weiterhin, das Dokument von seiner Homepage zu entfernen.

First published in the Frankfurter Rundschau. Thanks to Marc-Christoph Wagner and Frankfurter Rundschau for covering this document. Copyright remains with the aforem

Hreiðar már Kastljós(3/3)

Hreiðar már kastljós(2/3)

Kastljós-Hreiðar már (1/3)

Starf íslensku Bankamannana

Iceland court lifts gag order after public outrage-Wikileaks

Iceland court lifts gag order after public outrage

From Wikileaks

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Tuesday August 4, 2009

Herdis Sigurgisdottir (Associated Press)

REYKJAVIK, Iceland – A court in Iceland lifted a gag order Tuesday that allowed Kaupthing Bank to prevent media coverage of a leaked file that discloses details of the bank's weak position shortly before it collapsed in October.

The Reykjavik district magistrate lifted the order only hours after Kaupthing itself yielded to public pressure to stop pushing for the ban. The injunction had forbidden further coverage of a risk analysis report that had been leaked via the WikiLeaks whistleblower Web site.

National broadcaster RUV reported on the leaked document, prompting wider interest in the report.

The internal document compiled for the bank's loan committee showed that Kaupthing made multiple huge loans to a number of companies that left it dangerously exposed to their potential collapse. In addition, the most important borrowers were the bank's biggest shareholders.

Other blog sites and Internet chat rooms were quick to pick up the report, which was dated Sept. 25, 2008 — just two weeks before the bank was taken over by the Icelandic state to save it from bankruptcy.

Kaupthing said it had sought the court order to protect its customers' financial information. The report contains details on more than 200 individuals and companies, many of them still the bank's customers.

But it backed down after the ban sparked outrage in Iceland, where the public has demanded the right to know what dragged the nation into financial ruin last year. The court later accepted the bank's decision.

The chairman of the Parliament business affairs committee, Alfheidur Ingadottir, told Channel 2 news that the initial injunction was reprehensible and called for a review of the laws on bank privacy.

Kaupthing Bank Director Finnur Sveinbjornsson said that the public and political backlash had been a big factor in the bank's decision not to attempt to extend the court order.

"Media coverage over the weekend showed that there are clearly very different opinions about the laws on bank secrecy," he said, while defending the injunction as the right thing to do in the circumstances.

Companies named as loan recipients in the report included key players in the rise and fall the Icelandic economy. Nicknamed the new Vikings by Icelanders, they ran investment companies that expanded quickly into various fields and many countries.

Brothers Agust and Lydur Gudmundsson, made their fortune with food producer Bakkavor but then expanded into investment activities. Through their biggest investment group Exista, they were key shareholders in Kaupthing, but Exista also owed the bank $2.6 billion, according to the report.

Jon Asgeir Johannesson bought everything from a string of British retail stores to iconic toy store Hamleys and food retailer Iceland through his biggest investment group Baugur, which went into administration in February. Johannesson's many investment companies owed Kaupthing $2.5 billion, according to the report.

Father and son Bjorgolfur Gudmundsson and Bjorgolfur Bjorgolfsson owned and ran banking competitor Landsbanki, but borrowed $120 million from Kaupthing for various investment activities, according to the report. Gudmundsson suffered a $760 billion bankruptcy last week. His son is still a billionaire but has suffered substantial losses to his empire.

Vilhjalmur Bjarnason, director of the Iceland Shareholders Association and lecturer in business at the University of Iceland, said the report suggested Kaupthing may have broken laws.

"The bank had lent substantial amounts to interrelated companies, well exceeding the legal limit of 25 percent of its equity," said Bjarnason. "The report also shows how the bank boosted its own value on paper by lending big shareholders to buy more shares in the bank," he added.

"The only securities for the loans were the shares themselves. So there was nothing behind this capital."

Thanks HERDIS SIGURGRIMSDOTTIR and the Associated Press for covering this material. Copyright remains with the aforementioned.

Source documents:

óséð efni-Kaupþing á Wikileaks

Kaupthing, the bank at the heart of the Icelandic financial collapse, lent billions of pounds to companies linked to a key director and top shareholders, according to leaked internal documents.

 

Kaupthing was one of three Icelandic banks that collapsed last October

The papers appear to cast light on Kaupthing's highly unusual lending practices just two weeks before the Icelandic system failed last October, wiping out millions of pounds of savings deposited by UK local authorities and charities.

It reveals that its highest loans, totalling more than €6.4bn (£5.45bn), was given to companies connected to just six clients, four of whom were major shareholders in the company. Kaupthing granted some of these loans with partial or no collateral, the largest of which was given to Exista, its biggest shareholder with a 22pc stake.

The bank, which had a huge retail depositor base in the UK, was also lending millions of pounds to individuals and holding companies so that they could buy shares in Kaupthing itself – effectively propping up its own share price.

It is understood that the 205-page document, published on the internet over the weekend, was presented at an internal meeting at Kaupthing on September 25 last year. It details the loans to companies and high-profile individuals such as Kevin Stanford, Robert Tchenguiz, the Candy brothers and Simon Halabi.

Among some of the bank's biggest borrowers, were companies connected to:

Lydur Gudmundsson, who founded the Bakkavor food empire that employs 20,000, many in the UK. Mr Gudmundsson, who sat on the board of Kaupthing and Exista, was granted loans worth €1.86bn for companies linked to him and his brother, Agust. One note detailing a €791.2m loan to Exista itself admits that "bulk of the loans are unsecured and with no covenants".

Robert Tchenguiz, the London-based property entrepreneur and board member of Exista, was loaned €1.74bn to finance his private investments. Last night, Mr Tchenguiz confirmed that he had been the bank's biggest client, but declined to comment further.

Kevin Stanford, the retail entrepreneur and director of House of Fraser, who emerges in the document as Kaupthing's fourth largest shareholder. He was given a €519m loan to buy shares – of which €181m were in Kaupthing itself, using those same shares as collateral.

There is no suggestion that any of the shareholders acted illegally.

Tony Shearer, who was chief executive of the 100-year-old British bank Singer & Friedlander when it was taken over by Kaupthing in 2006, expressed his deep concern that the Financial Services Authority had not examined the Icelandic bank's books more carefully.

"The leaked document shows absolutely appalling practices," he said. "Anybody reading that document could see it is a totally unbalanced loan book. You just cannot lend money for someone to buy shares in yourself."

Kaupthing was one of three Icelandic banks, along with Glitnir and Landsbanki, that collapsed last October, forcing the British Government to pay out £7.4bn to 460,000 savers who had lost their money.

One banking analyst said. "It is inconceivable that this could go on in the UK. But the bank was allowed to set up here and take deposits from customers."

Mr Gudmundsson and Mr Stanford did not return calls for comment.

As published in the Telegraph. Thanks to Rowena Mason and Telegraph for covering this material. Copyright remains with the aforementioned.

Source documents:

• Financial collapse: Confidential exposure analysis of 205 companies each owing above EUR45M to Icelandic bank Kaupthing, 26 Sep 2008
• Icelandic bank Kaupthing threat to WikiLeaks over confidential large exposure report, 31 Jul 2009

See also:

• Iceland's Independent People: It's Time To Clean House
• Islands Finanzelite am Pranger - Eigner plünderten Kaupthing
• Kaupthing-Bank von Großaktionären geplündert
• Kaupthing Leaks Expose Unusual Lending Practices

NÝTT!-NÝ OG STÓRGLÆSILEG NIÐURHALSVEFUR OPNAR!!!(ITUE BLOGGIÐ)

NÝR OG STÓRGLÆSILEGUR Sérstakur ,,download'' vefur hefur hafið göngu sína á Veftv Turninum.Síðan treystir aðeins á nýjustu ,,NO-SPYWARE'' og ,,VIRUS FREE SPACE'' tækni sem til er.Vefurinn er sagður 100% öruggur og inniheldur hann ENGA VÍRUSA,NJÓSNAFORRIT sem eiga það til að brjótast inní tölvur eftir niðurhöl annara forrita og ALLS ENGIN ÓLÖGLEG NIÐURHÖL.Þrátt fyrir það að síðan bjóði uppá helling af forritum sem venjulega kosti en vefurinn ,,gefur frítt'' ,þá er ALLT EFNI 100% ÖRUGGT,VÍRUSLAUST,VEIRULAUST OG ALLT LÖGLEGT!!!.

Smelltu á tengilinn hér á eftir til að opna Umrædda vefsíðu

 

Sean Kingston -Me love

,,Félagar''

Hér sést höfundur vefsins(til hægri) ásamt sínum æskuvini(til vinstri) vera að störfum í fjölmiðlaverkefni í skólanum.

Hugmynd-Endilega að skrá álit!!!!!

Nú þegar bókin ;Hvernig Virkar Tölvan?'' er komin á heimasíðuna væri einnig sniðugt að setja fleira efni til niðurhals eða til þess að skoða í rafrænu ókeypis formi skemmtileg hugmynd.

Endilega Látið ykkar álit á þessu í ljós hér á vefnum(Sérstaklega með því að haka við hnappinn,,Skrifa álit'' sem er fyrir neðan þessa grein!) en einnig er hægt að skrifa álit í gestabókina eða senda tölvupóst á [e-mail] og skrá álit þar.

Kv.Sigþór Constantin Jóhannsson.

Ps.Endilega segið einnig frá því hvaða efni þið vilduð helst fá á vefinn.

ókeypis Fræðibók um tölvur fyrir alla-Til að eilífu

https://share.acrobat.com/adc/document.do?docid=0c2785ac-94c4-472f-895e-6143b522b562

Smellið á tengilinn hér að ofan til þess að lesa bókina;Hvernig Virkar Tölvan?'' Eftir Sigþór Constantin Jóhannsson.Athugið að bókin er vistuð í PDF skjali sem ef til vill hlaðast niður á tölvuna(448.44kB) eða opnast bara í nýjum glugga(Fer eftir gerð eða stillingum tölvunnar.) Bókin er útprentanleg og ókeypis.,,Þetta er nú einu sinni fræðirit um tölvur'' segir Sigþór.

Vonandi Eigið þið eftir að finnast bókin skemmtileg og fræðandi!.

Kv.Sigþór Constantin Jóhannsson.Rithöfundur

Planet Earth Serían í Háskerpu

http://rtorrent.net/announce.php?passkey=83782db2bda25c541da9aa7c655fe264

Smelltu hér til að hlaða niður planet earth seríuni í Háskerpumyndgæðum ókeypis.

Skráin er víruslaus og inniheldur engar veirur né skaðlegt efni.

The Movie Before Time

Myndin ,,The Movie Befor Time'' er mynd um þróunina og er þar rýnt í allt það helsta sem hugmyndafluginu getur dottið í hug.Hægt verður að hlaða myndinni niður í tveimur mögulegum  gæðum hér á vefnum innan skamms. Hægt verður að downloada henni í 1080p(besta mögulega háskerpa) eða í 2-3 mbps(önnur lélegustu gæðin-betra fyrir hægar tölvur þar sem háskerpugæði tekur 7,4 Gb en hitt aðeins 300-600 Mb) einnig verður bráðlega hægt að horfa bara á myndina í 1080p hér á vefnum eftir nokkrar mínútur!

Ferilskrá yfir handrit og bækur eftir sigþór constantin frá árinu 2004

Sigþór ConstantinJóhannssonSigþór Constantin Jóhannsson,Rithöfundur hefur skrifað bækur frá árinu 2004 og var fyrsta bókin hans handskrifuð og fjallaði um hús sem var byggt á hól sem var álfaþorp…….Hann fékk innblásturinn af sögu se mamma hans sagði honum um lítið hús en sú saga fjallaði raunar ekkert um það sama,Það var í raun aðeins titillinn á sögunni sem veitti innblásturinn.(sagan hét líka ,,litla húsið á hólnum’’)og svo þremur árum síðar eða 2007 skrifaði hann bókina;Litla jólahúsið á hólnum sem er sama sagan og fjallar um svipað efni,nema tengt jólunum.Jólaútgáfan kom svo ári seinna út í nýju jólabókinni hans sem hét,,Jólasögur’’.Og svo næstum ári síðar eða í nóvember 2008Ákvað hann að gefa út bókina og sendi upprunnalegt handrit til JPV útgáfu.Sigþór byrjaði svo á ævisögu sinni þegar hann var níu ára gamall en hætti svo við hana nokkrum mánuðum eftir að hann hófst við gerð hennar.á eftir því fylgdu svo fjölmargar bækur sem eru allvega,spennusögur,jólabækur,glæpasögur og miklu fleira og jafnvel símaskrár,auglýsingablöð og dagblaða útgáfa,sem hann stofnaði.en aðeins dagblaðaútgáfan skilaði sér eins og hann ætlaði sér.hann er nú þegar búin að skrifa spennusöguna;Erindreki og arfurinn sem fjallar um mann sem heitir erindreki og hann lendir alltíeinu í ævintýralegri fjársjóðsleit fulla af skemmtilegum uppákomum,dýrgripum,drekum,sverðum og öllu slíku.Núna er hann byrjaður á nýrri bók um erindreka sem er nú mun nútímalegri og fágaðri en að sögn höfundar finnst mér eins og nú er er hún ekki nærri eins góð og spennuleg.Nýja bókin fjallar um það þegar Erindreki starfar hjá lögreglunni og hann fær símtal og nokkrum tímum seinna er hann staddur hliðina á líka af konu sem fannst í skógi hjá hótel geysi…….Sigþór dýrkar lestur og skrift og auk þess er hann búin að lesa mörg hundruðið bóka og margar þeirra oftar en einu sinni.,,ég hef alltaf fengið einkunn sem er hærri en 7,9 frá því að ég byrjaði í skóla’’Sigþór er einnig búin með allar harry potter bækurnar og ef ég væri dómari sem gefði stjörnur myndi ég gefa harry potter fimm stjörnur fyrir spennu,fjör og skemmtun en því miður verð ég að gefa þeim 3og hálfa fyrir það að krakkar á aldrinum 9-10 ára geti skilið þær vel.Annars list mér bara vel á sjálfan mig sem rithöfund og fræðimann.ég elska lestur og á aldrei eftir að hætta því!!!!!!!Og þá er nóg komið af mér!!!!!!! Kv.sigþór TIL JPV ÚTGÁFU:ég vil að þið birtið þessar upplýsingar um mig á vefnum ykkar þar sem þið eruð með lista yfir fjölmarga rithöfunda.Og þar sem ég er nú að gefa út bók hjá ykkur finnst mér að þið getið nú alveg birt þetta þar,að minnsta kosti hluta af þessu!!!!!!! Er það ekki. Netfangið mitt er [e-mail] og síminn er 6150025. ég tek við eiginhandaáritunum allt árið um kring-líka á sunnudögum og um jólin og páska og framvegis einnig svara ég tölvupósti og símtölum,Mér finnst rosalega gaman að fá bréfpóst frá hverjum sem er,og jafnnvel sendi ég gjöf til baka með eiginhandaáritun ef þú villt!!!!!!! En mundu-ég geri það bara ef þú sendir bréfpóst!!!!!!!   Heimilisfangið mitt er : kálfhólar.12 800 selfoss Hlakka til að heyra frá ykkur!!!!!!!