We don't talk much about money, do we? It's a tricky subject.
How much do you have? How much do I have? We don't discuss it. The question is rude. But why?
Well, because you might have less than I do, and you might feel sensitive about that. There might be embarrassment, or shame, or envy involved – and those are dangerous emotions. Resentment can creep in. It's understandable.
I've had a shifting relationship with money during my life. I didn't think about it much as a child, which is something to be thankful for. I was neither aware of having too little, nor lots of it. That's probably the ideal scenario.
My father came from a very poor background. His family lived in a single room, and his mother died when he was a boy. You can paint your own picture: the patched-up, hand-me-down clothes; never being able to afford the school outings, and so on. He knew what it was like to have nothing to spare, and he made sure that we knew how fortunate we were by comparison.
My daily life was far removed from that grim collection of stories. The house was quite large (it had to be; my mother's dance school was part of it, and still is today), we went on holidays abroad, and birthdays and Christmases were generous. Maybe excessively so. I never had a hungry day.
When it came time to apply to high schools, my academic performance was sufficient to consider the private (fee-paying) schools in the city. I sat the entrance examinations, got in, we signed up, and off I went. I was the only kid from my primary school to do so. I was the first ever.
My parents' marriage fell apart, and not long afterwards, my father's business went under. Let's just say that his tax filings weren't well correlated with the financial reality of how things were going. I don't have details, and I've never asked for them – mostly because they're irrelevant now. Long story short, he was bankrupt, and the business was secured against my mother's house.
I was about fifteen years old at this point, which my mother felt was old enough for me to be made fully aware of all this stuff. I was also starting the first round of exams (three years' worth) that ultimately determine whether you can go to university. A couple of years later, I finally broke under the pressure, and went down into the dark.
I was able to stay in school, but on a bursary. It was the kind of institution with so much money rolling around that they can afford to take care of students whose families fall on hard times. I'll always be grateful for that. I've sometimes wondered if maybe the only reason we could afford it in the first place was how my father ran his business.
That was the point in my life when I learned all about money. It wasn't just the tatty, endlessly-folded banknotes in the locked cash box for the dance school. It wasn't the few price tags accidentally left on brightly-wrapped gifts at Christmas. It wasn't a distant and abstract concept.
Real in the brutal, unwelcome way that characterised so much of what was new about those years. Real like divorce, or acne, or unrequited adolescent love, or the sense of the previously unlimited vista of the future narrowing to a handful of paths, none visible beyond the next dip of the road ahead. Money was the most real thing I'd ever known.
I'd sit in the kitchen with my mother, after a day of school and a couple of hours of homework. It would be 9PM or later, after she finished teaching. We'd pore over the letters from the bank, and her own business accounts, and we'd try to find some way out.
Numbers and minuses. Windowed brown envelopes with red lettering, and pre-printed stamps saying Not A Circular - Open Immediately. It would go on until I was too tired to think, and I never had anything useful to say. Then I'd go to bed, have dreams filled with falling, and drowning, and running away too slowly. I'd get up at 6AM, and sit on the train for half an hour to get to school again. Sometimes I'd find tears on my face, and I didn't know why.
The bank was going to take the house.
My mother would have nowhere to teach, because renting premises five nights a week was expensive and impossible, and there wouldn't be any money for it anyway. There wouldn't even be enough money for somewhere to stay, in all likelihood. It was all very… real.
Money had become something to push away from my mind, because it brought immediate fear. Like a nagging pain of the wrong kind, or a patch of skin ominously changing colour. Breathe, look away, think about something else. Try to get through the day. And for god's sake don't spend anything.
But you can't do that. Two teenaged boys at high school incur costs. Three people and a dog in a large house (and business premises) have to spend. Every little repair bill, or replaced appliance, or trip to the vet, felt like water rising up around my throat.
One night, the water was real. The back garden ran slightly upwards on a slope, ending in a twelve-foot-high wall that separated us from a municipal grass-bowling green. The bowling club was on a higher level, and during this particular Autumn there was heavy rain for weeks. It drained downhill, as water does. The half-basement of the house flooded, and that's where the dancing school's bathroom and changing rooms were.
I remember standing there, late at night, wearing rubber boots. We were bailing water for hours, down in the basement.
I knew during every moment that it was going to cost a lot of money, and that we didn't have the money, and that it would probably damage the sale value of the house when the bank took it away, and then we really would have nowhere to live, and I had school in a few hours, but there was still so much water – maybe more than there had been when we started.
I was tired, and helpless, and terrified. I seem to remember falling over at some point, but I was back at it the next day.
We got the water out, but not the experience of the water. It had been just a little too much. That's the thing with water: you can lift it in the palm of your hand, but with enough of it, and enough time, it'll crack stone.
My mother went away for a while, to rest. I visited her a couple of times, in the hospital that wasn't at all like a hospital. More like a cross between a youth hostel and a retirement home, but with nurses moving quietly around. She insisted that I wear my school uniform when visiting, because it made her proud. Eventually, she came back.
It continued. We bargained with the bank, we scraped money together, we sold things, we didn't spend. Somehow it all came to an end. She kept the house, and she's still there.
I got through my exams. I could feel a thread unravelling towards the end, as the weeks ran down towards my final exam, which was Computing. Each school had studied a different set of modules, and we were to answer the relevant section of the paper. I was fairly out of it by that point, and I chose a section on topics our school hadn't taught.
I got an A anyway, but it didn't matter. The thread reached the end of its spool, broke off, and down I went. By the time I truly surfaced again, two more Autumns had come and gone.
I attended university (my exam results easily guaranteed entry) for about six months before I had a job offer from a software firm. I left university and did that, then the company was acquired by Adobe, so then I did that instead. Suddenly I was flying all over the world.
There was no shortage of money. It was during my time with Adobe that it became a billion-dollar (in annual revenue) company, no particular thanks to me. I was being paid a salary that was ridiculous to my father. He was unsure which currency I was talking about.
I barely spent a thing. Everything went straight into the bank.
Eventually I decided that I really wanted the degree I'd abandoned, and I said goodbye to Adobe and came home. I was twenty-two or so, and I had what to me was a stupid amount of money saved up. I was going back to university to study Computing Science, and my own computer was years out of date. It never even occurred to me to get something better.
It was actually my father who pointed out that, sometimes, it's OK to spend. That's not irony, but it's something.
The first thing I bought was a PowerBook of my own, upgraded to the maximum specification, instead of the succession of company-owned machines I'd carried in a backpack all over Europe and North America. I could have bought twenty more of them.
When it arrived, I felt so guilty and nauseated that I left it unopened in my bedroom for six hours, out of sight.
I did eventually open the box, of course. Then it was a wireless router a few weeks later. Then the costs associated with university. A car. Years of study, and socialising. Tick, tock. You really can forget, when you want to. Or when you need to.
I got back down to zero. Going to the ATM and wondering if a request for a single ten would result in a banknote, or a beep. Having to think carefully about feeding myself or the car.
I got by. Graduation, jobs, continued life. Keep the old computer going for another year or two. Let's just eat in tonight.
I parted ways with salaried employment again in 2007, to work for myself. I was going month-to-month, like most people probably do. Last month's work pays this month's bills. It picked up quickly, though, because being a consultant software developer for the hot new mobile device was lucrative – at least, it was back then. For a while there, I was billing six figures a year.
I had my moments, but I never really spent at the same level again. My bank balance also never got back up to post-Adobe levels. I think I'm glad of it, in some ways.
Then I made my third big life-change just a year ago, to switch careers entirely. My new job, which is hacking away at a yet-to-be-self-published first novel, doesn't really pay a damned thing. This is the down part of the rollercoaster ride again.
–and it saves any hassle when the bank's system inevitably archives old statements just when you need them, then you have to apply to have them sent out again by post.
For the last sixteen months, the numbers have all gone steadily down. I knew this would be the way it'd go, and I'm OK with it, but I'll be honest: I've started to dread that monthly reminder. I've learned to sort of squint when I've filled in my login information, and it loads the page with the current balance. I can get to the recent statements list without actually catching sight of the figure. If I'm careful.
I'm fortunate in several ways. First, that I can choose to try to make this new career work; most people don't have the option. Second, that my wife is so supportive. I couldn't do this without her, in any sense. And third, that there's no part of my anxiety that's based in traditional ideas about gender roles. My wife and I are a team, and some years she's the breadwinner. I've searched within myself to see if there's any feeling of emasculation or social shame, and it's just not there at all.
I'm lucky to feel that way. I can see how, if I felt differently and my self-esteem was linked to thinking my value as a man was based on having a higher income than my partner, it could quickly shatter a relationship. As it is, she has a great job, she's well paid, and I'm so proud of her. I'm grateful that we're taking this journey together.
I'm also grateful for the people who support my writing, helping me pay the bills each month without feeling like my own dream is a burden or a folly.
But the tension never goes entirely away, though. Numbers and minuses, glanced at briefly before looking away, and trying to think about something else.
I feel the old fears rise up, implacable, like freezing water sloshing too high around the shins of rubber boots. They whisper from below, like drowned souls.
How long do I keep trying?
What if she can't work for a while? What if our circumstances change?
Is there more water than when we started?
I push them away. There are rational answers to those questions now, even if it's taken twenty years to find them. And we're not alone anymore.
Numbers go up as well as down – I've seen it with my own eyes – and they're only a part of the whole picture. We fund our dreams with pragmatism, but without those dreams there's little point to the whole affair anyway.
Too damned slowly, but I got there in the end. It wasn't offered as any great insight, but then the truth never is.
Sometimes, it's OK to spend.


Hi my name is Javier I am 31 years old and I live in Oxford. I have got hyperacusis and tinnitus since that date, and it was because of an acoustic trauma. The hyperacusis went higher 12th april and now is making my life quite hard.
15the April 2017, I went to A&E in Oxford and they gave me some tablets for travel disease, they did nothing. I was very frightened so I took a flight to my country, there 2 otolaryngologist checked me with very simple tests. First one (19th April 2017) told me that I have anxiety, stress and pysological problems as my hearing was perfect, I explained all the symptons to him but he said that I needed a psycologist. The second one (21th April 2017) gave me 'Cortisone', I am still taking the threatment it finishes tomorrow. This was, 3 tablets of 16mg a day during 4 day, 2 tablets 16 mg during the next 4 days and only 1 tablet 16mg the 4 days next. THE TABLETS DID NOTHING SO FAR.
If you have ordinary tinnitus which was caused by loud noise exposure/trauma, the best treatment for you in my opinion is to do Nothing. The ear is a very delicate organ and in the early stages of tinnitus most doctors (and rightly) prefer to leave things alone. Unless you are experiencing deafness, acute pain in the ears, dizziness or balance problems, then it would probably best to be seen at ENT. Otherwise, try and remain calm and not to worry too much. I know this is easier said than done but this is what you need to do.
By all means make an appointment to be seen at ENT, but don't be surprised if there is at least a 4 months wait perhaps longer which is what I would prefer and there is a good reason for this. Within the first 6 months most people habituate to tinnitus and it can even go away completely. As I've said the ear is a delicate organ so doctors prefer not to intervene too early. After 6 months if a person hasn't habituated then a referral to a Hearing Therapist is usually recommended.
Since it was an acoustic trauma that caused your tinnitus and hyperacusis, I will assume this was caused by loud sounds. Perhaps going to a club where loud music was played or listening to music through headphones at too high a volume? Whatever the cause I advise you not to listen to music through headphones for the moment even at low volume. If you used to use headphones, I advise you not to do so again even if your tinnitus reduces or goes away completely. This is just my opinion however the choice is yours.
I really appreciate your words, I have got an appointment today at 10.40 am with my GP. I feel dizzy and unbalanced, nausea as well so that is why I want a doctor to check me. It is not fair to wait 4 months to get an appointment.
So the night of 7th April 2017 I went out with my friends to a disco we were there for 30 minutes approximately. It is weird because my friends felt nothing in their ears after we went out of the disco, just me, I guess my hearing nerve is too sensitive. When we were out I could feel that I could not hear well... the ringing was quite high. We were in another disco for 30 mitnutes, when we were out I told them that I could not hear clearly. The morning next (9th April 2017) I could hear the ringing but I could do normal life.
The problem got worse 5 days later, 12th April 2017 I started to feel that most of the sounds hurt my ear. I went to work the next day but the dizzines, ringing, balance problems etc was too high. Then, saturday I went to A&E they gave me travel disease tablets. The 17th April I decided to buy I flight to my country and see my parents, I was frightened. The doctors there gave cortisone.
Since the 12th April 2017 I haven't taken any coffee or tea, I don't use headphones or earphone because hurt my ear.
Thanks for the article, help and advices, I will try to keep calm. I am alone in UK and is not easy for me.
With all due respect, I don't think you understand how delicate the ear is. Hopefully, your GP will get you a referral to ENT. If you were not having dizziness and balance problems before the onset of your tinnitus and hyperacusis, I don't think think there is too much to worry about at this stage.
It is not that your ears are too sensitive why you have suffered noise trauma and your friends haven't. The sound levels at that disco you all went to were just too loud. If your friends continue to subject their hearing to these high sound levels, it's likely the same thing will happen to them.
I advise you be more careful in future and follow some of the advice I have given in my post: Hyperacusis, As I see it.
PS: I understand the distress that you are feeling because I've been there, having had tinnitus for over 20 years. The right course of action to take when someone develops straightforward tinnitus, especially when caused by noise trauma, is to leave it alone as I've previously mentioned. If you are feeling stressed have a word with your GP and probably something will be prescribed to help relax you.
Yes I don't know to much about ears that is why I trying to get some answers to what is happening to me/us.
If I am honest I used to listen to a lot of music with earphone / headphones when I was young. I am not using the earphone / headphones anymore only for isolated situations. I am not going to go againt to clubs or disco I never liked it to be honest.... I tried coffee but it makes me nervous, and I was a real coffee lover, alcochol either I tried and makes me feel bad. I don't care, new life with less drugs.
The Doctor yesterday did not too much about tinnutus or hyperacusis I had to explain her the stuff that I know so far. It is nof fair that the patient has to explain diseases to the doctor...... She gave me betahistine 8mg for the dizzines but I think I am not going to take these tablets becuase they don't help at all. Then she got me an appointment to the ENT in Oxford I will get the date by post.
I will read your article 'Hyperacusis as I see' but, in the meantime, I found a youtube channel and blog in spanish, it seems to be quite deep about the tinnitus and hyperacusis issue.
I going to follow the therapy that he proposes to train the hyperacusis which is now my main problem.
I wish you well in what you intend to do regarding hyperacusis.
In fairness to GPs. Many of them have a limited knowledge of tinnitus. For this reason, it's best to be referred to an ENT department so tests can be carried out on your auditory system, then a doctor will be able to advise the best course of treatment for you.
Hey would you like to update about your ears?
Did tinnitus get better? Or hypracusis.
I would like to know as I'm also in same boat as you from the last one week.
Can you please leave an email where I can contact you.
I'm looking forward to you.
Oh dear, they so often say we have psychological problems, and yes, we may have and that's because we have such horrid problems with our ears!!! Grrrrr. I don't know anybody at Oxford, but your gp should know. In the meantime, deep breathing, meditation, and distraction. I had the steroids, they give them just in case I think, they could still work, don't give up hope.
Thanks for your support, I have got an appointment today at 10.40 at my GP in Oxford. I hope they refer me to ENT as soon as possible. Thanks.
Of course, I have already bought a set of earplugs but I wil buy a better ones just in case of noisy situations.
Hey how's your ear now ? I'm in the same boat as you as i went to the concert last week and stayed there for about an hour. After that I came out and couldn't hear properly I was kinda deaf Which I thought was the normal thing after exposing to loud music. One the very next morning my hearing was back to normal but tinitus is still there and my left ear is quite sensitive to loud noise. I haven't got no clue what to do. I am going through very tough time and have a great remorse of what did I go at 1st place as it's not my cup of tea.
Anyone young with tinnitus? Or had tinnitus since when they were young?


text:
Macedo Vitorino
why portugal
mv compliance
mv start
About Portugal
Living in Portugal
Investment incentives
In general, property and property-like interests (the so-called rights in rem) which are set out in the Portuguese Civil Code and other legislation are subject to registration with the land register and may only be constituted, mortgaged or transferred through a public deed executed before a notary.
The public records of properties are available online. The registration of the acquisition, mortgages and other liens and encumbrances over immovable assets may be made online.
The Portuguese housing market continues to attract many local and international investors, as well as foreign nationals who wish to move to Portugal.
According to the national statistics office (Instituto Português de Estatística, INE), house prices increased 7.8% in 2020 despite the effects of the Covid19 pandemic. The average price of housing in Portugal in 2020 was EUR. 1,188 per square metre.
The effects of the pandemic were felt more acutely in the Lisbon metropolitan area, where house prices decreased to EUR. 3,375 per square metre in the third quarter of 2020. Prices for apartments in the centre of Lisbon remain above EUR. 4,000 per square metre. In the prime areas of Lisbon, Chiado, Principe Real and Avenida da Liberdade and in Cascais prices may reach as much as EUR. 10,000 per square metre.
Despite the steep increase of real estate prices in the last years, Lisbon housing prices remain among the lowest of European capitals.
The most important forms of property interests in Portugal are:
Freehold (direito de propriedade). Freehold gives the owner the rights to use, exploit and dispose of a certain immovable asset. These rights include the right to build on a property subject to the applicable licensing requirements and planning restrictions;
Joint ownership (compropriedade). It is possible for more than one person to own a property, where each owns a proportional and intangible share of the property. Each co-owner can dispose of his share of the property without the consent of the other co-owner(s), who will have a right of first refusal.
Condominium ownership (propriedade horizontal). Portuguese law allows buildings or building developments to be divided into fractions (frações) or units where each unit, which may be an apartment, a store, or an office, is owned by a single owner and the common areas of the building, including the staircases, outside area, roof, etc, are co-owned by the owners of the building's units. The owners together constitute the community of owners of the commonly owned property (condominium). Each owner may freely dispose of or encumber his fraction of the property including his share in the condominium.
Building rights (direito de superfície). Building rights give their holders the right to construct and maintain a building or plantation on the property or beneath it. The building right may be temporary or permanent, transferable, or not; and
Usufruct (direito de usufruto). Usufruct rights give their holder the right to use and collect the fruits (frutos) of the property, which include the rents, crops and other periodic revenues that may be generated by the property.
No property rights or similar rights can be created by contract other than in the manner specified in the law.
Lease rights
Commercial leases are the most common arrangement for the use of offices and retail stores in Portugal. Under a commercial lease agreement, the lessor grants the lessee the right to temporarily use the leased property with the obligation to return it at the term of the contract.
Portuguese law allows the parties to stipulate the main terms and conditions of the lease, such as the rent, rent review conditions, cost allocation, duration, renewal conditions, termination, etc.
The maximum term of commercial leases is thirty years. There is no statutory term and the parties can specify the applicable term. In the absence of a contractual term, the implied statutory term is five years. Typically, commercial leases for office space and stores have a duration of five to ten years.
The rent is usually payable monthly, but different payment terms may be agreed. Rent-free periods and rents including a variable component are common in Portuguese office and factory leases. In most contracts, rents are updated annually in accordance with the consumer price index (excluding housing) published by the National Statistics Institute (Instituto Nacional de Estatística) but the parties are free to use other criteria for reviewing rents.
Only premises licensed by the relevant municipality may be leased. The purpose of the lease must be in accordance with the usage license.
The transfer of the position of the lessee included in the transfer of a business establishment (trespasse) does not require the consent of the property owner. The statutory rules on the termination of lease agreements by default of the tenant are mandatory.
In the case of non-commercial leases, tenants for more than three years have a legal right of preferred acquisition in case of sale to a third party. Eviction of defaulting tenants is enforced through a special eviction procedure (procedimento especial de despejo) which is an exclusive procedure of National Lease Offices (Balcão Nacional do Arrendamento).
Leases of stores in shopping centres, retail parks and other similar developments where the owner or manager also provides certain management and operation services to the lessee are not subject to the statutory rules on leases, allowing the parties to freely determine the terms and conditions of the lease, subject only to general contract law rules and principles.
Typically, the main rules on the operation of the development are set out in a regulation approved by the development owner or manager. Rent-free periods, stepped-up rents and rents with variable components are common in shopping centre leases.
The costs of utilities, services, maintenance and improvement works are normally borne by the lessee in the form of common service charges, which include management fees, other common areas related services and, sometimes, marketing costs.
Service charges are based on the area of the shops leased to each of the tenants in proportion to the overall area of the development.
Although parties are free to agree the terms and conditions of the lease, it is common for agreements to be set out in standard contracts not subject to negotiation.
Acquisition of property
Promissory agreement of sale and purchase
The process for buying a property usually starts with the execution of a promissory sale and purchase agreement.
It is not mandatory for the parties to enter into a promissory agreement. Promissory agreements aim to ensure that the sale will be completed when the seller cannot deliver the property immediately, i.e., the building has not been completed or the property is being used by the seller or a tenant, or the buyer has not yet obtained financing for the building or lacks a document needed to complete the purchase.
Typically, with the execution of the promissory agreement, the buyer makes a down payment to the seller of a percentage of the sale price, normally somewhere between 10% and 20% of the price.
Promissory Agreements can be given priority against third parties' rights that must be registered in the Land Registry Office, ensuring that the property cannot be sold to another person. The registration is valid for six months and may be renewed for an equal period and until one year after the date set by the parties for the execution of the Deed of Sale and Purchase.
Public deed os sale and purchase
The purchase of property must be made through a deed of purchase and sale, which must be executed before a notary.
The acquisition of property is subject to property transfer tax, at a variable rate, stamp duty and notary's costs which must be paid in advance of the execution of the public deed of purchase.
When the parties have registered a sale and purchase promissory agreement, the provisional registration in the land registrar will become definitive after the registration of the deed of sale and purchase.
If the promissory sale and purchase agreement has not been registered, the purchaser must register the deed of purchase as soon as possible after the execution of the deed.
It is possible to carry out these formalities online through the website www.casapronta.pt.
Vehicles used in the acquisition of property
Investments in property in Portugal may be carried under any of the following structures:
Direct ownership by the investors;
Indirect ownership by way of the incorporation of a foreign special purpose vehicle (SPV); and
Indirect ownership by way of the incorporation of a Portuguese SPV.
If the investors choose to incorporate a Portuguese SPV to carry out transactions in Portugal, they may opt between one of the following forms:
A joint stock company;
A real estate investment fund;
A real estate investment company; or
A real estate investment trust.
Joint stock companies
Typically, joint stock companies are well suited for investing in real estate because transferring a company's shares is easy and does not need to be registered at the Commercial Registry Office.
Real estate invetment funds and companies
The incorporation of collective investment entities in Portugal is subject to the rules established in Law no. 16/2015, of February 24th, 2015, which constitutes the Collective Investment Entities Act.
Collective investment entities may assume the form of a real estate investment fund (thereinafter, FIIs) or a real estate investment company (Organismo de Investimento Coletivo sob a Forma Societária, OIIs).
FIIs may be open-ended, closed-ended or even mixed entities depending on whether the participation units issued are variable or fixed. These entities may acquire any property rights over immovable assets for leasing, reselling or any other economic purpose and any shareholdings in real estate companies, subject to certain limitations.
The incorporation of FIIs and OIIs must be authorised by CMVM.
The following is a summary of the main rules governing the incorporation and management of OIIs:
Types of companies. OIIs may be SICAFI or SICAVI, depending on whether their share capital is fixed or variable. SICAFI are subject to the rules of closed FII and SICAVI to the rules of open FII.
Management. If not self-governed, OIIs must be managed by fund managing companies. If the management is not entrusted to a fund managing company, OIIs will have to comply with the fund managing companies and FII minimum capitalisation requirements described above.
Share capital. OIIs must be incorporated with a minimum share capital of EUR. 50,000 or EUR. 300,000 depending on the management type. The share capital of OIIs must be represented by nominative shares.
Minimum net assets. OIIs must hold a minimum of EUR. 5 million of net assets.
Office. OIIs authorised by CMVM must have their head offices in Portugal, be managed from Portugal.
Real estate investment trusts
The Portuguese Real Estate Investment Trusts (REIT) have been established as a new type of property investment companies (Sociedades de Investimento e Gestão Imobiliária. SIGI).
SIGIs are established and regulated by Decree-Law no. 19/2019, of 28 January, which entered into force on 1 February 2019. SIGI are also governed by the rules applicable to quota companies of the Portuguese Commercial Companies Code (CSC).
To be qualified as SIGI, a company must be incorporated as a joint stock company (sociedade anónima) with a minimum subscribed and fully paid-up share capital of EUR. 5,000,000. Furthermore, they must have their registered office and their effective management in Portugal.
SIGIs also must adopt the supervisory bodies in accordance with the CSC, implementing a supervisory board and an official chartered accountant. Their corporate name must include the reference «Sociedade de Investimento e Gestão Imobiliária, S.A» or the abbreviation «SIGI, S.A.».
Their main corporate purpose is the acquisition of:
Property rights;
Shares of other SIGI or similar companies based in another Member-State; and
Participation units or shares of real estate investment funds for urban leasing, real estate investment companies for urban leasing and collective investment undertakings (with dividend rules similar to a SIGI).
SIGIs can directly manage the properties whose rights they own or contract third parties for that purpose. In addition to leasing, such properties may be used for construction and rehabilitation projects or allocated to stores or spaces in shopping centres or office premises.
SIGIs are subject to rules on the composition and holding of assets, to the obligation of distributing dividends as a percentage of their profits and to comply with a maximum indebtedness cap.
The assets of a SIGI must be primarily composed by property ownership rights, surface rights or other similar property rights for leasing or destined to other forms of economic exploitation.
Rights over real estate properties and equity must represent at least 80% of the total assets' value. The value of real estate assets subject to leasing or other forms of economic exploitation must represent at least 75% of the total assets' value. Such assets must be held for at least three years after their acquisition.
The abovementioned asset composition requirements must be met at any time starting from the second year after the incorporation of a SIGI. Finally, SIGIs also must comply with a maximum indebtedness cap of 60% of the total value of their assets.
Within nine months after the closing of the financial year, a SIGI must distribute:
At least 90% of the profits related to that period resulting from the payment of dividends and profits of units distributed by the referred entities; and
At least 75% of the remaining distributable income under the terms of the CSC.
At least 75% of the net proceedings of the sale of assets related with the corporate purpose of a SIGI must be reinvested in other assets related with that purpose until three years after the sale.
A SIGI's legal reserve may not exceed 20% of their share capital and it is not allowed to set up other unavailable reserves.
It is possible, upon decision of the general meeting, to convert existing companies or property investment undertakings with a corporate form into a SIGI.
The decision to convert a company into a SIGI must be taken by the majority of votes required to adopt the amendment of the articles of association.
To be converted they should comply with the requirements of the Decree-Law no. 19/2019, of 28 January, approving the necessary amendments to the articles of association in the referred general meeting. The conversion takes effect on the first day of the taxation period following the date of registration of the alterations to the articles of association.
The conversion resolution and the amended articles of association must be immediately notified to the Portuguese Securities Market Commission for publication in its website.
SIGIs benefit from the taxation rules applicable to all real estate investment undertakings. For the purposes of corporate income tax, as a rule, their rental income, real estate capital gains and capital income and dividends are not taxed.
Income distributed by SIGI to resident individuals is taxed at a rate of 28%. The capital gains resulting from the sale of the shares are also subject to a tax rate of 28%.
Companies resident in Portugal which receive income from SIGI are subject to withholding tax at the rate of 25%.
Non-resident investors, including private individuals or companies, without a permanent establishment in Portugal are subject to withholding tax at the rate of 10%.
The transfer of immovable property is taxable under the Municipal Property Transfer Tax (Imposto Municipal sobre as Transmissões Onerosas de Imóveis – IMT).
IMT is calculated based on (i) the tax value of the property or (ii) the declared purchase price, whichever is the highest. IMT rates are the following:
The table below summarises the IMT rates applicable to the acquisition of urban property intended exclusively for housing purposes in mainland Portugal.
Value (EUR.)
Up to 92,407
From 92,407 to 126,403
(0,537.9)
From 126,403 to 172,348
From 574.323,00 to 1,000,000
6% (single rate)
Above 1,000,000
7.5% (single rate)
The table below summarises the IMT rates applicable to the acquisition of urban property for non-housing purposes in mainland Portugal.
From 172,348 to 287.213,00
From 550,836 to 1,000,000
The IMT rate will be 10%, irrespectively of the value, in case of properties owned or controlled, directly or indirectly, by legal entities resident in a state, territory or region with a clearly more favourable tax regime.
Typically, real estate transactions are exempt from VAT. Notwithstanding, under certain conditions, the seller or the lessor may opt to renounce to such exemption to be able to deduct the input VAT.
Ownership of immovable property is subject to the Municipal Property Tax (Imposto Municipal sobre Imóveis – IMI). IMI is levied on an annual basis, is payable in up to three instalments on the value of urban property and land property located in Portugal and is owed by the property or usufruct owner or the holder of the surface right of a real estate unit at the following rates:
0,8% on land and attached facilities (prédios rústicos);
Between 0.3% and 0.45% on urban properties (prédios urbanos); and
7.5% on properties owned or controlled, directly or indirectly, by entities resident in a state, territory or region with a clearly more favourable tax regime.
The applicable rate within these ranges will be determined by the municipalities on a yearly basis and increase threefold in the case of urban property left vacant for more than a year or of buildings in a state of ruin.
The urban buildings and apartments will be deemed not to be in use if the owner has not contracted the provision of essential public services or there is no consumption of water, electricity, gas and telecommunications for a period of one year.
Real estate assets (excluding assets allocated to commercial, industrial and service activities) may also be subject to an Additional to IMI (Adicional ao IMI – AIMI).
For individuals, the taxable value up to €600,000 will be AIMI exempt.? Above this amount the following rates will apply:?
0.7% on the taxable value from €600,000 to €1,000,000; ?
1% on the taxable value up from €1,000,000 to €2,000,000; and
1.5% on the taxable value above €2,000,000.?
For companies, the AIMI is lower (0.4%) but there is no exemption. However, if the real estate is used as a residency of the shareholder or a corporate body member, AIMI will apply at the following rates instead:?
0.7% on the taxable value up to €1,000,000;
1% on the taxable value from €1,000,000 to €2,000,000; and
1.5% on the taxable value above €2,000,000.
Publications, documents and forms library
Civil Code [Portuguese Only]
New Urban Lease Regime [Portuguese Only]
Lease Agreement for Residential Purposes [Portuguese] [English]
Lease Agreement for Non-Residential Purposes [Portuguese] [English]
Draft Property Purchase and Sale Deed [Portuguese] [English]
Macedo Vitorino's briefings
«Investing in Real Estate in Portugal» (2021)
This library includes standard forms, documents, copies of statutes of law and reports from national and international organisations and other resources intended for general informational and educational purposes only.
By using this library, you agree (i) that nothing in this library constitute or substitute legal or business advice, (ii) that the availability, transmission, receipt or use of this library is not intended and does not create an attorney-client relationship and (iii) to use the documents available in this site in compliance with all applicable laws. You should make sure that this library are not or have not become out-of-date by supervening laws or regulations or other events.
We are used to working on all aspects of real estate, planning and construction. We act regularly in domestic and cross-border transactions involving real estate assets, including mergers and acquisitions, financings and foreign investments involving real estate assets.
We can assist you in all aspects related to real estate and planning, including:
Negotiating property acquisition, transfer and lease agreements
Conducting due diligences on real estate assets
Preparing applications and dealing with construction and use licenses
Handling real estate disputes
If you have any question or wish us to provide a budget, please contact us to: whyportugal@macedovitorino.com
For more information on our practices and expertise please go to www.macedovitorino.com/en/expertise
TERMS OF USE COPYRIGHT © MACEDO VITORINO.

redpajama_set_name: RedPajamaCommonCrawl


We've thoroughly reviewed BetFirst Casino and gave it a very good reputation rating, which means it's a great casino to play at. In our review, we've considered the casino's player complaints, estimated revenues, license, games genuineness, customer support quality, fairness of terms and conditions, withdrawal and win limits, and other factors. Because BetFirst Casino is related to other online casinos listed below, its rating is also influenced by them. Read the full review below and learn more about this casino.
According to our research and estimates, BetFirst Casino is a medium-sized online casino revenue-wise. It's a part of a group of related casinos, however, this group is still only medium-sized even when evaluated as a whole. The revenue of a casino is an important factor, as bigger casinos shouldn't have any issues paying out big wins, while smaller casinos could potentially struggle if you manage to win really big.
We currently have 0 complaints directly about this casino in our database, as well as 11 complaints about other casinos related to it. Because of these complaints, we've given this casino 69 black points in total, out of which 69 come from related casinos. You can find more information about all of the complaints and black points below.
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We have conducted extensive research on the web and as a result we have found following 11 complaints on BetFirst Casino or any brands that might be interconnected with it. Taking into account seriousness and credibility of these complaints and estimated size of casino revenues we decided to give BetFirst Casino a Very Good reputation.
The player's deposits and funds were confiscated due to an accusation of fraud.
The player requested a withdrawal and sent all the documents needed for verification but since it was delayed, he posted a complaint. Shortly after that, he received a phone call where he was informed everything was ok and he should receive the payment in 4-5 days. Two days later, he was informed he didn't pass the document verification and was accused of fraud. His deposits had been voided, the winnings obtained were canceled and his account was closed. After this accusation, the player decided to submit a complaint to the Belgium Gambling Commission. There is no further information regarding this complaint and it remained unresolved.
The player's account was blocked due to failed document verification.
The player, Milsaka, requested a withdrawal and sent all the documents needed for verification. A few days later, his account was blocked and he learned that he didn't pass the account verification and his funds would be confiscated. The casino never responded to his complaint nor provided any evidence to prove their accusations. No further update is available and the complaint remains unresolved.
Harley's account was closed because she was accused by the casino of providing fake documents for verification.
Harley, from the UK, requested a withdrawal but it was denied and her account was closed. The casino asked her to provide documents for verification and after she did so, they told her that her account was closed permanently. They told Harley that her documents were fake and not illegible. Harley was confused and unhappy about the result and maintained that it is the casino who was looking for a reason not to pay her the winning. This case is very confusing and strange where the player's account was closed before she sent the documents for verification. The case is still unresolved.
Sundeep was accused by the casino of a duplicate account without any valid proof.
The player, Sandeep, made a deposit, accepted a bonus, won, and requested a withdrawal of €2,673. The casino asked him for some documents for verification and informed him that they would have to use a different payment method for a payout than he used for the deposit, the wire transfer. When all Sandeep's documents were provided to the casino, they accused him of a duplicate account. Sundeep disagreed and said that it was the casino who was making up false accusations. There is no further information on this case.
The player was accused of three different things without any proof from the casino.
Patrick complained about getting his winning of £7,333 denied due to the accusation of a double account. Later on, the casino answered the complaint on Askgamblers where they stated that the player used a Martingale betting strategy or a software endowed with artificial intelligence that was also used on a different player's account. Patrick disagreed with the casino's decision and insisted on to receive his winning. The casino met him halfway when they proposed to him that they would pay him if he would send them documents for verification and finished the wagering requirements. This case is full of accusations without any proof from the casino and ironically, the player was the one that was supposed to send the proof. This case is still unresolved.
Zachary was accused of owning a fake account and it was closed right away.
Zachary, a player from the UK, said that his account, where he had £500 left, was closed without any relevant reason given. The casino asked him for documents for verification and after he sent those, he received an update from them. It stated that his account was one of the 200 fake accounts that their system detected and was created automatically with randomly generated names and addresses in order to take an advantage of their promotion. Zachary felt disappointed after he received this information and this case remains open and unresolved.
Jessica's account was permanently closed without any relevant reason provided by the casino.
Jessica from Germany was a devoted player of the casino with a verified account and only a good experience. After some time, her account was blocked and she was asked to verify some information via phone call. Even though her account was successfully verified, it was still blocked. The casino declared that their fraud management reviewed her account again and all the details of her case confirmed that it should stay blocked. Jessica was unhappy with the result and asked the casino for more thorough proofs of the accusation. The case remains unresolved.
The player's account was closed and reopened, but they lost their funds left on it.
The player submitted a withdrawal request and found out through a live chat that their account had been under the investigation of a payment agent. According to an Askgamblers representative, who had the honor to communicate with the casino, informed the player that they didn't fulfill the wagering requirements of the bonus. Although the player claimed that since the account was blocked due to the investigation, they didn't get the chance to do so. After the casino reopened the player's account, the bonus was already expired.
The casino denied Ruth's withdrawal due to the terms and conditions being breached.
Ruth became a devoted player because she really liked the various games and the bonus that the casino had to offer. After she used one of the bonuses and won money, her withdrawal was denied. The casino claimed that she had used a Martingale strategy, which meant that she doubled her bets after losing. The ThePOGG representative tried to help Ruth but wasn't able to. The casino responded to their messages but wouldn't provide any sufficient proof about the terms and conditions being breached. This case remains open and unresolved.
The player's account was closed including with his funds without a relevant proof.
Elliso, from Marocco, had been a devoted player of the casino for about two years. He made two withdrawal requests in the amount of around €511. The withdrawal was delayed and later on, they closed his account with all the funds he had there. He was trying to gain his money back, but he's being unsuccessful. There is no update on this case.
The casino denied the player's withdrawal without any reason given.
The player requested a withdrawal of £720 and sent all the needed documents for verification. The casino declined the player's withdrawal without any relevant reason. There is no update on this case ever since.


text:
Data breach affecting over 190 law firms highlights supplier data risks
Market Insight 11 mai 2020 11 mai 2020
Royaume-Uni & Europe
Staff and client data belonging to 193 law firms, including a number of large City firms, has been compromised by a breach involving a third party legal technology software provider.
The breach involves data submitted by law firms to the Laserforms Hub, which allows firms to digitally complete and submit legal forms to Companies House, HMRC and the Land Registry. It has been reported that the compromised data relates to around 10,000 commercial property transactions dating from before 2017.
The data was held on an open database which was first discovered by security researchers at TurgenSec, who made contact with the affected firms and Advanced Computer Software Group Limited (Advanced), which owns Laserforms Hub.
According to a statement issued by TurgenSec, law firm staff data appears to have been compromised for all of the 193 firms affected, including user names and hashed passwords. For some of the firms concerned, the database also contained other potentially sensitive authentication information such as town of birth, eye colour, passport numbers, national insurance numbers, mother's maiden names and father's first names. Extensive details of transactions, payment terms and client agreements may also have been contained within the unsecured database.
TurgenSec state that the database appears to have been exposed for an extended period, during which time it would have been accessible to anyone with a browser and Internet connection.
Statements issued by Advanced and some of the firms affected suggest that the client data that was exposed was already in the public domain, the passwords were in secure hash form and only parts of the security verification responses were disclosed. Nevertheless, this event underscores the potential risks involved in professional services firms outsourcing services and how such firms can be exposed not only by their own internal systems but by the vulnerabilities of their third party service providers.
The SRA guidance on technology and legal services makes clear that individual solicitors and firms are responsible for the service that they provide to clients and "they cannot outsource this responsibility to a third party". Firms should take all reasonable measures to ensure that their arrangements with third party providers preserve their ability to maintain client service levels and meet their regulatory obligations, which include maintaining effective governance structures, arrangements, systems and controls so as to ensure client confidentiality.
As well as commercially sensitive and confidential information pertaining to client instructions, law firms and their vendors may also be targets for cyber criminals for the personal and financial information belonging to clients and employees. Should such data be compromised, firms could potentially face third party claims from data subjects and regulatory scrutiny from the Information Commissioner's Office as well as the SRA. In addition, virtually every data breach – no matter what the cause – leads to some degree of reputational concern for the data controllers and/or processors involved.
The following steps may mitigate the risk posed by outsourcing of this nature:
Set appropriate standards of service that are consistent with regulatory duties in contracts with external vendors.
Require suppliers to acknowledge that documents and data are strictly confidential and may also be subject to privilege and other restrictions on disclosure.
Oblige the supplier to comply with relevant data protection legislation, including in particular the duty to implement appropriate technical and organisational measures to ensure the security of data.
Obtain indemnities against losses caused by a failure on the part of the supplier.
Set any limitation of liability in agreements with vendors at a level which is appropriate to the circumstances.
Ensure that providers hold sufficient insurance including professional indemnity and cyber liability cover.
The rapid shift to remote working occasioned by Covid-19 has given rise to specific challenges in maintaining the confidentiality and security of documents and data held by professional firms, as discussed in our recent briefing here. While firms work to mitigate the risks posed by this new working environment, they may also be investing in new technology solutions to reinforce their capacity to operate remotely. This event therefore provides a timely reminder of the risks that outsourcing such services can entail.
Financial Institutions, Directors & Officers
Insurance & Reinsurance Brokers


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Ebook low-cost lodge rooms on CheapOair and save more to splurge it on shopping, eating and partying out! Billed as San Francisco's first boutique resort, this one will get you close entry to the cable automotive turnaround, public transit, and viewing along the parade route on Sunday. Couples might enjoy your stay in a romantic seashore resort or in an elegant extremely trendy lodge. Download the Resort Tonight app free of charge and use invite code FPERROTTA" for $25 in lodge credit.
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How much does a Sales Assistant make in Johannesburg, GP?
The average salary for a Sales Assistant is R 6 268 per month in Johannesburg, GP, which is 15% above the national average. Salary estimates are based on 236 salaries submitted anonymously to Indeed by Sales Assistant employees, users, and collected from past and present job advertisements on Indeed in the past 36 months. The typical tenure for a Sales Assistant is less than 1 year.


text:
Shubinka () is a rural locality (a selo) and the administrative center of Shubinsky Selsoviet of Yegoryevsky District, Altai Krai, Russia. The population was 540 as of 2016. There are 6 streets.

Geography
Shubinka is located 20 km south of Novoyegoryevskoye (the district's administrative centre) by road. Borisovka is the nearest rural locality.

References

Rural localities in Yegoryevsky District, Altai Krai

redpajama_set_name: RedPajamaWikipedia


text:
Research: Choline can influence fetal brain development
Study on piglets has relevance to humans
Austin Mudd, whose study linked choline and fetal brain development, works with an MRI image. (Image courtesy of the College of ACES.)
Choline intake during pregnancy can influence infant metabolism and brain development, according to a series of studies from the University of Illinois. Although the role of choline in neurodevelopment has been studied before in rodents, the new research, done with pigs, has more relevance to humans.
"We know the pig is a good model for humans because they have the same nutrient requirements, similar metabolic function, and also have very similar brain development, following the same growth trajectories," explains Austin Mudd, a doctoral student in the Neuroscience Program at U of I. "The pig is bridging the gap between the mechanistic work we see in rodents and that higher-level cognitive function that they're looking at in humans."
Choline, found in liver, eggs, wheat germ, and other foods, is an essential nutrient in human and animal diets. It's required to make cell membranes, neurotransmitters, and myelin, the fatty sheath surrounding nerve cells. But most adults, including pregnant women, don't consume enough.
"In the U.S., 90 percent of us don't meet our choline requirement," Mudd says. "And the most recent data says pregnant women, who should consume 450 milligrams per day, may not even be reaching 300 milligrams."
To understand how choline deficiency affects the developing brain during and after pregnancy, Mudd and his collaborators gave pregnant sows choline-deficient or choline-sufficient diets through the second half of their pregnancies. After weaning, piglets were fed choline-deficient or choline-sufficient milk replacer for 30 days. Then the month-old piglets were scanned by magnetic resonance imaging (MRI).
Mudd analyzed images of the piglet brains in terms of volume and makeup. The first analysis, reported in a 2016 article in Nutritional Neuroscience, compared the volumes of 19 brain regions in piglets that had received deficient or sufficient choline prenatally and postnatally. The second analysis, published last week in Current Developments in Nutrition, corrected for volume differences to isolate differences in grey and white matter concentration in the piglets' brains.
"In pigs from choline-deficient moms, their brains were about 10 percent smaller overall," Mudd says. And 11 of the 19 regions were significantly smaller in choline-deficient brains.
When Mudd corrected for these volume differences to look specifically at grey and white matter concentration, the story was the same. Piglets whose mothers consumed sufficient choline during pregnancy had higher concentrations of grey and white matter in the brain's cortical regions.
Grey matter is primarily made up of the neurons themselves, while white matter comprises the material that connects neurons and bridges different parts of the brain.
"In our first paper, we saw that the left and right cortex were larger in the choline-sufficient pigs," he says. "After our second analysis, that makes sense. If you have a greater density of grey matter in the cortex, it is likely that brain region will have a greater volume as well."
Decades of research has shown particular nutrients play specific roles in the neurodevelopmental process. The use of MRI technology has allowed researchers to identify the global influence of a specific nutrient on particular aspects of brain development. In an earlier study, the researchers found that another nutrient, iron, influenced aspects of both grey and white matter development.
"Our research shows that choline, like iron, does not appear to be specific to one part of brain development, it's important for all of it," Mudd says.
All of these results were for piglets born to choline-deficient mothers. But, as part of the study, some of the pigs from choline-deficient mothers were given adequate amounts of choline after birth. Was it enough to offset the deficiency during pregnancy?
The short answer is no, at least not for the brain. "Postnatal supplementation cannot correct for prenatal deficiency. It has to occur during development. We can't recover that after the fact," says Ryan Dilger, associate professor in the Department of Animal Sciences, Division of Nutritional Sciences, and Neuroscience Program at U of I.
However, another graduate researcher who collaborated on these papers led an earlier study on the same piglets in 2015. The study, led by Caitlyn Getty, showed lower brain weights in piglets from choline-deficient mothers, but her study focused more on overall health and metabolism of the piglets. From that perspective, it was postnatal choline intake that was most important, particularly for liver and kidney function.
The research, taken together, suggests a cellular-level mechanism to back up a 2013 study that concluded children born to mothers whose choline intake was well below the recommendation have lower academic outcomes by age seven.
"We know that the structural alteration is there, but it may not manifest in ways we can see until later in life. That's why it's important to think about this during gestation because the changes are occurring then," Mudd says.
Dilger adds, "We're not talking about an overt developmental disorder or saying if you don't eat eggs when you're pregnant, you cause a disorder. Instead, these are subtle pieces where we see individual variation and it could be related to your mother's diet during pregnancy."
The most recent article, "Maternal dietary choline status influences brain grey and white matter development in young pigs," is published in Current Developments in Nutrition [DOI: 10.1093/cdn/nzy015]. Austin Mudd, Caitlyn Getty, and Ryan Dilger are authors. The work was supported by the USDA National Institute of Food and Agriculture, Hatch Project (1009051).
Lauren Quinn, College of ACES
The lessons of teaching from home
Professors continue class during an unprecedented shift to online courses during COVID-19
Gene Robinson speaks at LAS Dean's Distinguished Lecture
Inaugural event provides opportunity to learn from outstanding scholars
LAS students receive Beckman Institute awards
Eight students in the college are honored for research


text:
ISL 2017: Vineeth and Co. captaining the ship as Kerala Blasters seek to drown Blues in sea of yellow
Written By Goal
Bengaluru FC https://images.daznservices.com/di/library/Goal_India/47/ce/ck-vineeth-bengaluru-fc-mohun-bagan-federation-cup-final-2017_188cymj1tkn1l1om6jdpyefwbh.jpg?t=736765212&w=500&quality=80
Kerala Blasters v Bengaluru
C. Vineeth
R. Anto
S. Jhingan
Kerala Blasters
BY NISANTH V EASWAR Follow @Niktheblue94 on Twitter
On New Year's Eve, there could be as many as three former Bengaluru FC players taking the field against their former club in yellow colours as Kerala Blasters head into their seventh game in the Indian Super League (ISL), their fourth in Kochi.
While such a reunion won't be a first in ISL, the fights between the fan groups of these two clubs have made the fixture a must-win for both teams. And that's extra pressure on CK Vineeth, Rino Anto, Siam Hanghal and Sandesh Jhingan, who have played more than a handful of games donning the blue jersey in I-League, the country's first division football league from where Bengaluru FC made the jump earlier this season.
Kerala Blasters FC NorthEast United FC ISL Season 4 2017/2018
https://images.daznservices.com/di/library/Goal_India/bb/ca/kerala-blasters-fc-northeast-united-fc-isl-season-4-20172018_43i1gicbr5t1wa2yidwxowd5.jpg?t=1524447032&w=500&quality=80
Kerala Blasters have given these footballers the spotlight that they deserved. CK Vineeth, in his own words, "I have been playing for the past six-to-seven years. But after the past couple of ISL's, the whole of Kerala knows me."
Vineeth made the switch to Bengaluru FC from United Sports Club in 2013 and spent four good years with the JSW Group-owned club. Fellow Keralite friend Rino Anto spent three years as a Blue and the Kerala Blasters skipper Sandesh Jhingan also plied his trade at Bengaluru as a loanee. Siam Hanghal spent three seasons with the club and won three trophies.
The focus, however, will be on CK Vineeth.
The online fracas between Manjappada and West Block Blues, the supporters of Kerala Blasters and Bengaluru FC respectively, started back in August following Bengaluru's 3-0 win over DPR Korea's 4.25 SC in the first leg of their Inter-Zonal semifinals of the AFC Cup. CK Vineeth and Rino Anto, who are close friends off the pitch, journeyed to Kanteerava Stadium to watch their former club play. During the match, the hard-core supporters of Bengaluru FC came up with chants ridiculing Kerala Blasters with Vineeth and Rino sitting in the middle.
❤🔥☺ pic.twitter.com/1GVJz2ojY3
— CK Vineeth (@ckvineeth) August 24, 2017
Manjappada declared war on social media and came up with the plan to 'paint Kanteerava yellow' when these two sides meet in Bengaluru on March 1st, 2018. But before that happens, the Blues will travel to Kochi to get a feel of the atmosphere generated by around 40000 fans.
While Rino Anto took to social media to state that he was deeply hurt by the chants against his current team, Vineeth opted for a diplomatic stance. He saw the positive aspect to what he hoped, will be a well-natured banter in good spirit.
Dear WBB, Happy News For You. Sree kanteerava stadium will Witness Highest Ever Attendance this Year ☺.
കേരള... https://t.co/CURO5w6qeq
— Manjappada KBFC Fans (@kbfc_manjappada) August 24, 2017
He further went on to declare that despite his desire to score against his former employers, he will not be wheeling away in celebration if he does end up netting a goal. The 29-year-old has only good things to say about the club and its supporters.
It won't be right to say that these former players will set out to show Albert Roca what he has missed. After all, Bengaluru FC, four years from their inception, have two I-League titles and two Federation Cup trophies to their name already. Added to this, they are also the only Indian club taking part in the AFC Cup (Asian Football Confederation).
Faheem Hussain / ISL / SPORTZPICS
https://images.daznservices.com/di/library/GOAL/3b/c2/kerala-blasters-manjappada_dxo7loemihi81f7ykddsr5dmi.jpg?t=1518906584&w=500&quality=80
Kerala Blasters, on the other hand, have an empty shelf to show.
No, Bengaluru FC haven't missed these players yet. But Vineeth, Jhingan and Rino Anto have a point to prove on New Year's Eve, as three players who Bengaluru chose not to retain before the start of the season. However, Anto could possibly miss the game due to a hamstring injury picked up in the last game.
Vineeth's two goals so far this season, the flying header against NorthEast United and the added time equaliser against Chennaiyin, helped his team obtain four crucial points and before 2018 begins, he might as well add three more.


text:
Hungary's Szilagyi, Italy's Criscio Win Orleans Sabre Grand Prix
ORLEANS, France, Dec. 8-10—Hungary's world and three-time Olympic champion Aron Szilagyi and Italy's Martina Criscio won gold medals at the 2022 Orleans Men's and Women's Sabre Grand Prix. The event took place at the Palais des Sports, with 200 men and 176 women participating in the competition.
In the final match of men's individual sabre, Szilagyi faced Georgia's Sandro Bazadze, winning with a 15-10 score. Bazadze beat Italy's Luca Curatoli in the semifinals, 15-6, while Szilagyi defeated Korean world champion Junghwan Kim, 15-8.
In the final match of women's individual sabre, Criscio faced France's Manon Apithy-Brunet, winning with 15-14 score. Apithy-Brunet beat Greece's Despina Georgiadou in the semifinals, 15-11, while Criscio defeated teammate Chiara Mormile, 15-12. Of note, Apithy-Brunet defeated Japan's world champion Misaki Emura in the quarterfinals, 15-9.
Final rankings in men's sabre included Aron Szilagyi (HUN, gold), Sandro Bazadze (GEO, silver), Luca Curatoli (ITA, bronze), Junghwan Kim (KOR, bronze), Iulian Teodosiu (ROU), Bolade Apithy (FRA), Bongil Gu (KOR) and Matyas Szabo (GER).
Final rankings in women's sabre included Martina Criscio (ITA, gold), Manon Apithy-Brunet (FRA, silver), Despina Georgiadou (GRE, bronze), Chiara Mormile (ITA, bronze), Anna Bashta (AZE), Misaki Emura (JPN), Magda Skarbonkiewicz (USA) and Cyrielle Girardin (FRA).


Summit Liability Solutions Inc. completed the drilling waste management as part of an urban pipeline replacement project at various locations throughout Alberta.
Comprised of 3 separate projects (two within Calgary city limits and the third outside of Lamont, Alberta), 16" lines were installed. The projects occurred from November, 2016 to January, 2017. Approximately 1360 m3 of drilling waste was disposed of following AER Directive 050 criteria via Landspray-While-Drilling (LWD), Mix-Bury-Cover (MBC), and landfill. The various projects utilized different drilling contractors with vastly different systems, resulting in unpredictable and varied waste volumes.
Initial disposal plans had to be revised on the fly in some instances due to unknown soil conditions and different waste distribution – i.e. rather than receiving a significant volume of fluids for the crossings, the Lamont project received mostly solids which were then disposed of onsite via MBC in both the entry and exit pits. Extreme weather conditions (-40C) presented disposal challenges for landspraying due to external heat (i.e. a boiler unit) not being available for the vacuum truck; this was countered by a change in procedure whereby fluids were only removed when a significant volume was available and could be landsprayed immediately (small volumes were freezing quickly on the truck).


One of the original cannabis dispensaries in the area, CCA has been serving the Silverlake, Echo Park, and greater Los Angeles area since 2006. Over the years we have acquired a vast amount of information fueled by our passion for the industry and our patients! We pride ourselves on our extremely high quality while maintaining affordable prices for our customers. We offer an array of Sativas, Hybrids, and Indicas within our selection are a number of exclusive and unique strains that can only be found at our establishment. In addition to cannabis we have a great selection of edibles, including sugar free and vegan options. For your convenience we have new parking attendant/security guard with a lot of parking in lot. We also have an ATM on-site!


Mountings: This sword was custom mounted by Brian Tschernega, all work was done by him including the handle foundation, wrap, saya and gold foiled 2 piece habaki. It is one of the finest mount restoration, with no expenses spared, using quiet old metal fittings.
Overall Condition: Mounts are in excellent condition. Blade displays scratches and nicks for use, and rust free. A very nicely balanced sword with a great feel in hand.


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This article includes a partial list of countries by economic freedom that shows the top 50 highest ranking countries and regions from two reports on economic freedom.

 The Economic Freedom of the World Index is a report published by the Fraser Institute in conjunction with the Economic Freedom Network, a Canadian group of independent research and educational institutes in 90 nations and territories worldwide.

 The Index of Economic Freedom is an annual report published by American based on The Heritage Foundation and The Wall Street Journal.  Countries and regions are assessed as free, mostly free, moderately free, mostly unfree, and repressed.

List

References

External links
 Heritage Foundation Index of Economic Freedom web page
 Fraser Institute Economic Freedom of the World web page & archive

Freedom
Freedom
Economic freedom


With the award for best overall supplier performance, Airbus Helicopters honors Rohde & Schwarz for many years of successful cooperation.
The Supplier Relationship Management Award stands for special satisfaction with Rohde & Schwarz as a partner. Martin Schübel, Executive Vice President Procurement at Airbus Helicopters, said succinctly on presentation of the award at Helitech in Amsterdam: "With Rohde & Schwarz, the overall package is just right." Along with overall performance, very high scores for on-time delivery (OTD) and on-time quality (OTQ) were key considerations. Furthermore, the especially good support – flexible, fast and competent – is appreciated, in particular during the radio integration phase.
Stefan Pleyer, Vice President Market Segment Avionics at Rohde & Schwarz, adds, "Being valued as the most reliable and supportive partner makes us proud. This achievement is the result of a long and trustful cooperation by our companies from end to end, including production, technical support and service." Rohde & Schwarz has been a supplier to Airbus Helicopters for many years. The airborne transceivers are deployed on a large number of Airbus platforms.
The software defined radios of the Munich based specialist for secure communications satisfy the highest security standards, enable network centric operations and ensure interoperability between all branches of the armed forces and between allied nations. Almost 8000 software defined radios from the R&S M3AR airborne transceiver family are in use worldwide on over 70 different airborne platforms. The latest member of the Rohde & Schwarz family of airborne radios, the R&S SDAR, is another excellent choice for avionic communications solutions. This high-end radio offers secure, high data rate communications and flexible deployment. It delivers unprecedented efficiency in terms of logistics, integration, maintenance and training. It simplifies integration and saves space and weight in the aircraft.
Rohde & Schwarz, an independent European company, is the only vendor with a military airborne radio that meets the civil certification regulations of the European Aviation Safety Agency (EASA). Military aircraft can only be certified and deployed without restrictions if they meet both military and civil standards.


Your content is one of the most valuable asset you will ever have — cherish, love and nurture every word of it.
The type of customer you serve best is the type of customer you will attract.
Every time you use an exclamation mark, somewhere in the World a cute little kitten dies.
Use the same profile picture for all your social media channels (uploaded to gravatar.com two).
The purpose of your elevator pitch is to make them want to hear more after your 60 seconds are up.
Get to know inside and out the tools you use every day. Word and Excel are two great examples.
Gathering email addresses and caring for your list is one of the greatest investment you can make.
Pictures and video increase your social media engagement tremendously.


Starring Vicky Kaushal in the lead, Uri: The Surgical Strike is based on Uri Attacks of 2016. Debutant Director Aditya Dhar delivers a complete surprise package in a film, which could well be the first hit of 2019. Comprising Paresh Rawal, Yami Gautam, Rajit Kapur, Kirti Kulhari and Debutant Mohit Raina, the supporting cast delivers powerful performances. Here is our review of the film.


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Milo I the Great (died 1102) was lord of Montlhéry from 1095 until his death. He was the son of Guy I of Montlhéry and Hodierna of Gometz.

The identity of his first wife is unknown. His second wife was Lithuise de Blois, Vicomtesse de Troyes, daughter of William Busac, Count of Soissons (c. 1084–1118).

Milo and Lithuise had at least nine children:
 Guy III Trousseau, lord of Montlhéry
 Thibaut
 Milo II (died 1118), lord of Montlhéry and Bray-sur-Seine, viscount of Troyes
 Adelaide
 Elizabeth (Isabella) of Montlhéry, married Thibaut of Dampierre.  Their son was Guy I of Dampierre.
 Emmeline of Montlhéry (died 1121), married Hugh II Bardoul, lord of Broyes
 Renaud of Montlhéry, Bishop of Troyes (1121–1122)
 Marguerite, married Manasses, Viscount of Sens.

Milo joined the Lombard contingent during the second wave of the First Crusade around 1100 together with his brother Guy II. He returned from the crusade "broken by the stress" and "devoid of all bodily strength".

See also
 The Houses of Montlhéry and Le Puiset

References

Sources

Christians of the First Crusade
1102 deaths
Year of birth unknown
Christians of the Crusade of 1101


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Home News High gas prices front and centre in Ontario election as NDP propose...
Ontario Progressive Conservative Party Leader Doug Ford, left to right, Ontario New Democratic Party Leader Andrea Horwath, Ontario Liberal Party Leader Steven Del Duca and Green Party of Ontario Leader Mike Schreiner pose for a photo ahead of the Ontario party leaders' debate, in Toronto, Monday, May 16, 2022. Ontario's election campaign will run half virtually, half in-person today, as the leaders for the New Democratic and Green parties isolate with COVID-19. THE CANADIAN PRESS/Frank Gunn
High gas prices front and centre in Ontario election as NDP propose cap, regulation
TORONTO — Sky high gas prices have Ontario's political parties debating what should be done about the cost to fill up – to cut? To cap? To regulate? To look well beyond the pumps themselves?
The NDP is promising they would cap and regulate prices, a proposal the other three major parties dismissed as ineffective. NDP Leader Andrea Horwath said Friday she would regulate retail and wholesale mark-up of gas prices, getting the Ontario Energy Board to set a weekly price that includes reasonable profits for gas companies.
"It is absolutely time that Ontarians get a break at the pumps," she said at an announcement via Zoom as she recovers from COVID-19.
"This is a plan for larger and more permanent savings guaranteed to go to you, not to gimmicks. There's no time limits. This is something that will make a permanent change in the price that you pay at the pumps."
The Progressive Conservatives have passed legislation while in government to implement a 5.7-cent cut to the gas tax for six months starting July 1. The average gas price in the province is sitting around $2 per litre.
Horwath has pledged to cancel that cut, saying the $600 million in lost revenue from the "gimmick" is better spent on hospitals and schools. She also said there would be nothing stopping gas companies from charging 5.7 cents more, once it goes into effect.
The Tories point to an analysis from Trevor Tombe on a gas tax holiday in Alberta, showing that it did indeed lower prices for the consumer.
Liberal Leader Steven Del Duca has said he would maintain that gas tax cut. The Tories have suggested he can't support the temporary gas tax cut while also supporting carbon pricing, which increases the cost of gasoline.
Del Duca said the current cost of living requires that gas prices be addressed right now, but that there are also many pledges in his platform meant to address the climate crisis.
"We're in the midst of an affordability crisis that I don't believe we've seen, perhaps in my lifetime," he said.
Green Party Leader Mike Schreiner said the best way to address transportation costs is with systemic solutions, such as electrification. They are proposing rebates for electric vehicles, cutting transit fares in half and eliminating the need for long, daily trips to and from work.
"We need to ensure that we build communities where people are not forced into long, expensive soul crushing commutes, where they're not forced to drive until they qualify for a mortgage," he said.
"The Ontario Greens' plan is to address the foundation, the systemic causes of the affordability crunch people are facing at the pumps right now, so that we can solve it for today, tomorrow and well into the future."
Schreiner, like the other party leaders, said gas price regulation has not been proven effective.
The Ontario Energy Board commissioned a report that found in 2017 that regulation doesn't necessarily benefit consumers and in some provinces, regulation has resulted in higher prices.
"In Newfoundland, there is evidence that retailers used the weekly setting of the regulated maximum as a price signal, often deviating from a lower market-derived price, to a higher statutory price in coordination with their regulation's administrative cycle," the report said.
"It is likely that if regulated maximum prices did not exist in Newfoundland, pump prices would not have behaved in this manner. This has likely contributed to retail margins that are among the highest in the country."
The NDP said the OEB report on regulation looked at full price, while their plan looks at wholesale and retail profits. The party says the retail and wholesale profit margins in Ontario have exceeded the price of crude oil on several occasions in recent years and regulation would actually tie gas prices to crude prices.
Allison Jones, The Canadian Press
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