SANTA MONICA, CA – Located smack dab in the heart of Santa Monica, the Hotel Shangri-LA is a perfect spot to enjoy all this California beach city has to offer. And with the property being so nice and classy, the question becomes 'Do you walk around the pier and people watch, or sit by the pool at your hotel and do the same thing?' Well the answer is both.
In real estate they say there are only three things that matter, location, location, and location. And Shangri-LA is a high end luxury hotel located on the beachfront. And to go along with the feeling of being out and by the ocean, the rooms and suites are decorated in an Ocean-liner's style with a maritime theme. The hotel has 70 rooms and 30 suites, with a variety of accommodations to choose from. And the spectacular ocean view terrace suite would be the humdinger for that special anniversary weekend. (I'm including this in the article as a hint to my wife).
Because Santa Monica is the greatest beach city in California, this hotel and the area in general attract a lot of European vacationers. And the Hotel Shangri-LA caters perfectly to the clientele, making the entire property feel like a fancy property in Europe. And this can be a fun experience for Americans from the Southern California area, as well as across the United States. You can step into European elegance along the beach front in Santa Monica, and be in a state of intercontinental pleasantness.


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Uncounted : the crisis of voter suppression in the United States / Gilda R. Daniels.
Daniels, Gilda R. author.
The crisis of voter suppression in America
New York : New York University Press, [2020]
Suffrage -- United States.
Suffrage -- United States -- History.
Voter registration -- Corrupt practices -- United States.
Voter registration -- Corrupt practices -- United States -- History.
Elections -- Corrupt practices -- United States.
Elections -- Corrupt practices -- United States -- History.
Elections -- Corrupt practices.
Suffrage.
Voter registration -- Corrupt practices.
"An answer to the assault on voting rights--crucial reading in advance of the 2020 presidential election. The Voting Rights Act of 1965 is considered one of the most effective pieces of legislation the United States has ever passed. It enfranchised hundreds of thousands of voters, particularly in the American South, and drew attention to the problem of voter suppression. Yet in recent years there has been a continuous assault on access to the ballot box in the form of stricter voter ID requirements, meritless claims of rigged elections, and baseless accusations of voter fraud. In the past these efforts were aimed at eliminating African American voters from the rolls, and today, new laws seek to eliminate voters of color, the poor, and the elderly, groups that historically vote for the Democratic Party. Uncounted examines the phenomenon of disenfranchisement through the lens of history, race, law, and the democratic process. Gilda R. Daniels, who served as Deputy Chief in the United States Department of Justice Civil Rights Division and more than two decades of voting rights experience, argues that voter suppression works in cycles, constantly adapting and finding new ways to hinder access for an exponentially growing minority population. She warns that a premeditated strategy of restrictive laws and deceptive practices has taken root and is eroding the very basis of American democracy--the right to vote!"--Publisher's website.
History repeats itelf
The Voting Rights Act: Shelby, Lord, Shelby
Voter identification
Voter decption
Voter purges
Felon disenfranchisement
Changing demographics

redpajama_set_name: RedPajamaCommonCrawl


Genteel, picturesque and discreet, Mount Street is among the most burgeoning and fashionable destinations in London, home to an invitingly eclectic mix of world-leading boutiques, restaurants, grocers, salons, galleries and bars. Developed by the first Duke of Westminster, who began revamping his entire Mayfair estate from the 1880s in the signature redbrick, Queen Anne style, it was said at the time, "The great success of the first Duke's rebuilding was undoubtedly Mount Street, a thoroughfare whose élan and cheerful homogeneity are unique and not just on the estate but in the whole West End." That still chimes true today: the emporium of Mount Street offers an inspirational and intriguing mix of luxury purveyors, from establishments that settled here over a century ago to the trailblazing lineup of international flagships that have been steadily opening since 2008.
Over the past few years Mount Street has become a major fashion hub - like a boutique version of Bond Street or Sloane Street, where a plethora of homegrown and international designers have launched flagships - from Loewe to Lanvin, Christian Louboutin to Nicholas Kirkwood and Roland Mouret to Balenciaga; Oscar de la Renta joined the fashion templar in autumn, followed by Celine this winter. You'll also find the world's only store from Mackintosh (of the inventors great British waterproof). To the end of the street and across the road, don't miss the magnificent Grade II* listed gentleman's emporium Bourdon House, Alfred Dunhill's London Home, with its restaurant, humidor, barber and cinema.
It's easy to emerge from an afternoon on Mount Street looking even more fabulous than when you arrived. Shop at natural apothecary Aesop, who opened their first London store in Mount Street (they now count six across the capital) in 2008. Designed by Ilse Crawford, it was one of the first international brands to settle on the strip. Celebrity hairdressers Nicky Clarke and Jo Hansford specialise in cuts and colouring, respectively, and there's even a specialist 'hair enhancement' clinic, Mark Glenn, for those seeking a more lustrous mane. If you are in search of indulgence, why not book in for a decadent Eastern healing ritual at the UK's only Aman spa or a short, back and sides at the Barber in Bourdon House?
Fine foods and decadent dining have long featured amid Mount Street's allure. Seafood restaurant Scott's has been seducing the A-list for decades (should you wish to join them, it's essential to book ahead).Harry's Bar and the George Club are veterans among London's members' club scene and The Connaught Bar and Mount Street Deli are among London's most fashionable and discreet destinations. Don't forget to take a butcher's at specialist meat purveyors Allens of Mayfair, on this site since 1887. The historic interiors draw tourists away from the well-trodden trail, and Tuesday and Wednesday's butchery classes are a cut above. Wine specialists Jeraboams will help you source that must-have vintage.
Mount Street and its surrounds are home to around a dozen independent art and antiques specialists. If you are looking for somewhere to help you source work from Europe and overseas, or just fancy an afternoon browsing an innovative and intriguing selection of paintings and objets d'art, there's plenty to keep you inspired. You'll find the Rich Gallery, Mount Street Gallery, Pym's Gallery and Modern Collections on Mount Street, while around the corner on Davies Street GimpelFils is among London's most respected independent galleries - watch out for artists Shana Mouton and Seamus Harahan this autumn. You just can't miss the striking water feature 'Silence' by Japanese architect Tadao Ando, on Carlos Place outside the Connaught Hotel.


text:
Q: Mergeo de arrays JSON obteniendo otros arrays en PHP Estoy recibiendo tres arrays desde JSON y quería saber si es posible mergearlos (no concatenarlos) y a su vez crear arrays resultantes es decir, si recibo esto:
$jsonIdProducto = array("id_producto"=>"3","id_producto"=>"2","id_producto"=>"1");
$jsonSubtotal   = array("subtotal"=>"27","subtotal"=>"28","subtotal"=>"40");
$jsonCantidad   = array("cantidad"=>"3","cantidad"=>"4","cantidad"=>"5");

y necesito guardar el pedido en una tabla requiero obtener algo como esto para usarlo en un foreach que me lo guarde todo en 3 filas distintas. Por ello me gustaría poder obtener algo así, es posible?
$array1 =array("id_producto"=>"1","subtotal"=>"40","cantidad"=>"5");
$array2 =array("id_producto"=>"2","subtotal"=>"28","cantidad"=>"4");
$array3 =array("id_producto"=>"3","subtotal"=>"27","cantidad"=>"3");

La función array_merge me devuelve una fusión correcta pero solamente de una fila asi:
array ( 'id_producto' => '1', 'subtotal' => '40', 'cantidad' => '5', )

A: Lo primero, es prácticamente imposible que tengas un array de esta manera ya que como es un array asociativo, cada vez que se inserte un nuevo valor en el mismo key se reemplazada con el nuevo valor y el viejo se "destruye":
Esto esta mal
$jsonIdProducto = array("id_producto"=>"3","id_producto"=>"2","id_producto"=>"1");

Esto esto esta bien:
$jsonIdProducto[] = ["id_producto"=>"1"];
$jsonIdProducto[] = ["id_producto"=>"2"];
$jsonIdProducto[] = ["id_producto"=>"3"];

Digamos que tienes el array de la siguiente manera (De la manera correcta).

$jsonIdProducto[] = ["id_producto"=>"1"];
$jsonIdProducto[] = ["id_producto"=>"2"];
$jsonIdProducto[] = ["id_producto"=>"3"];

$jsonSubtotal[] = ["subtotal"=>"27"];
$jsonSubtotal[] = ["subtotal"=>"28"];
$jsonSubtotal[] = ["subtotal"=>"40"];

$jsonCantidad[] = ["cantidad"=>"5"];
$jsonCantidad[] = ["cantidad"=>"4"];
$jsonCantidad[] = ["cantidad"=>"3"];

$result = []; //Resultado de iterar todos los 3 arrays
$arrayCount = count($jsonIdProducto) - 1; //Vemos cuantas posiciones tiene el primer array

for($i = 0; $i <= $arrayCount; $i++){
    $result[] = [
        "id_producto"=> $jsonIdProducto[$i]["id_producto"],
        "subtotal"=>$jsonSubtotal[$i]["subtotal"],
        "cantidad"=> $jsonCantidad[$i]["cantidad"]
    ];
}

var_dump($result);

Esto almacena las posiciones que quieres dentro de un nuevo array.
Resultado
array(3) {
  [0]=>
  array(3) {
    ["id_producto"]=>
    string(1) "1"
    ["subtotal"]=>
    string(2) "27"
    ["cantidad"]=>
    string(1) "5"
  }
  [1]=>
  array(3) {
    ["id_producto"]=>
    string(1) "2"
    ["subtotal"]=>
    string(2) "28"
    ["cantidad"]=>
    string(1) "4"
  }
  [2]=>
  array(3) {
    ["id_producto"]=>
    string(1) "3"
    ["subtotal"]=>
    string(2) "40"
    ["cantidad"]=>
    string(1) "3"
  }
}

Hay algunas advertencias con respecto a esto, como tienes 3 array como indicas, estos 3 siempre deben tener la misma cantidad de posiciones que el primer array $jsonIdProducto.
Puedes probarlo en el patio de juegos del PHP Sandbox DEMO

redpajama_set_name: RedPajamaStackExchange


text:
package com.ymsino.water.service.comm.deleteSettings;

import javax.xml.bind.JAXBElement;
import javax.xml.bind.annotation.XmlElementDecl;
import javax.xml.bind.annotation.XmlRegistry;
import javax.xml.namespace.QName;

/**
 * This object contains factory methods for each Java content interface and Java element interface generated in the com.ymsino.water.service.comm.deleteSettings package.
 * <p>
 * An ObjectFactory allows you to programatically construct new instances of the Java representation for XML content. The Java representation of XML content can consist of schema derived interfaces and classes representing the binding of schema type definitions, element declarations and model groups. Factory methods for each of these are provided in this class.
 *
 */
@XmlRegistry
public class ObjectFactory {

	private final static QName _DeleteSettingsResponse_QNAME = new QName("http://api.service.comm.esb.ymsino.com/", "deleteSettingsResponse");
	private final static QName _DeleteSettings_QNAME = new QName("http://api.service.comm.esb.ymsino.com/", "deleteSettings");

	/**
	 * Create a new ObjectFactory that can be used to create new instances of schema derived classes for package: com.ymsino.water.service.comm.deleteSettings
	 *
	 */
	public ObjectFactory() {
	}

	/**
	 * Create an instance of {@link DeleteSettingsResponse }
	 *
	 */
	public DeleteSettingsResponse createDeleteSettingsResponse() {
		return new DeleteSettingsResponse();
	}

	/**
	 * Create an instance of {@link DeleteSettings }
	 *
	 */
	public DeleteSettings createDeleteSettings() {
		return new DeleteSettings();
	}

	/**
	 * Create an instance of {@link JAXBElement }{@code <}{@link DeleteSettingsResponse }{@code >}
	 *
	 */
	@XmlElementDecl(namespace = "http://api.service.comm.esb.ymsino.com/", name = "deleteSettingsResponse")
	public JAXBElement<DeleteSettingsResponse> createDeleteSettingsResponse(DeleteSettingsResponse value) {
		return new JAXBElement<DeleteSettingsResponse>(_DeleteSettingsResponse_QNAME, DeleteSettingsResponse.class, null, value);
	}

	/**
	 * Create an instance of {@link JAXBElement }{@code <}{@link DeleteSettings }{@code >}
	 *
	 */
	@XmlElementDecl(namespace = "http://api.service.comm.esb.ymsino.com/", name = "deleteSettings")
	public JAXBElement<DeleteSettings> createDeleteSettings(DeleteSettings value) {
		return new JAXBElement<DeleteSettings>(_DeleteSettings_QNAME, DeleteSettings.class, null, value);
	}

}

redpajama_set_name: RedPajamaGithub


text:
Boro' Squad
Current Season: 2018-9
Longest Runs
St Woking Day
Why We Bother
A Load of Old Toffee
Missing Match Data
BoroGuide
Home » Clubs » Salford City
Salford City: Club Profile
Formed as Salford Central back in 1940, life for the Ammies all changed in 1963 when it left behind its local leagues in favour of the Manchester Football League. Not only that, but they changed their name to Salford Amateurs that same year – inspiring (we guess) the nickname that endures to the current day. Obviously, they're no longer amateur. Under the ownership of Peter Lim and some wealthy ex-footballers you may have heard of, Salford City joined the Football League in 2019 by winning the Conference playoffs.
Peninsula Stadium
Moor Lane, Salford, M7 3PZ
salfordcityfc.co.uk
Record vs Boro'
Pts*
WR%
0 0 0 0 0 0 0 0 NAN%
* league points only
Result-by-Result (Boro' Scoring First)
No competitive meetings
Players For Us... and Them
No Players
Away Supporters' Stand:
Facilities for Disabled Fans:
Less-abled travelling supporters pay the "age/educational status rate appropriate to them", with carers admitted free of charge. If proof of disability is requested, you will need to show that you're in receipt of the higher rate of Disability Living Allowance (DLA) or Personal Independence Payment (PIP).
Pre-Match Pintage:
We don't think you'll find much in the way of pre-match pints close to the ground. It's heavily residential around the Peninsula Stadium and pubs don't seem to feature. We understand you'll be able to get a bevvie at the ground if you so wish. Otherwise, you might have to go hunting around Prestwich or stick to central Manchester/Salford.
Travel Information – Distance: 190 miles
You do have one or two options for your road trip to Salford – the first being the quickest and the second being the shortest. There's also a third way, but it's not the shortest or the quickest normally. So, why bother? Here, we're going to take you on the quickest route as you probably don't want to spend much more than the three-and-a-quarter hours in the car.
Head north on the A1(M) as far north as the big power station at Ferrybridge. Take the westbound M62 from here towards Manchester. You'll be on the M62 for just shy of 50 miles, at which point you'll want to continue onto the M60. It won't be long, however. Barely a mile later, you're coming off (Junction 17) for the A56.
Take the first exit at the roundabout onto the A56 and head on down through Prestwich. After about two miles, there's a right turn onto Moor Lane and the ground is 0.3 miles down here.
Tools: AA Route Planner | Highways Agency
Strict parking rules are in place around the stadium. If you're not a resident, parking there is likely to get you into a spot of bother. The club, however, says there's a park and ride service you can use. This is from the old IT Lab car park on Agecroft Industrial Estate (pop M27 8SJ into your sat nav). It's £2 per car to use this.
By Rail:
Station: MANCHESTER VICTORIA
Services to: LEEDS (for STEVENAGE)
This doesn't look like the easiest train trip to make, mainly 'cos we can't see a station in the immediate area. After travelling north to Leeds and crossing the Pennines with Transpennine Express, the easiest and least stressful option takes you to Manchester Victoria. You can walk it in from here up the A56, but it'll take you about an hour on a good day.
So, you might want to catch the 97 bus to Moor Lane and stroll the final stretch.
Tools: National Rail | TfL Journey Planner
Statattack
Live football scores . Current table, fixtures & results.
Cowley, Digby & Stokes: Can Boro's New Men Fire Us To...
Close Season Blues 12 July 2019
We've Changed – A New Look For BoroGuide…
BoroGuide 01 July 2019
Phil Wallace: 20 Years At The Boro'
History 21 June 2019
2019-20 League Two: So, How's It Shaping Up?
Close Season Blues 06 June 2019
More Success For The Mitchell Cole Tournament
Charity 04 June 2019
© 2012- BoroGuide - All rights reserved.


Customer learn is either a micro managerial subject highlighting matters which are almost certainly suitable to bettering advertising effectiveness and a macro sociological subject contemplating the character of intake and its impact on human wellbeing and fitness. The sequence covers various issues applying either quantitative and qualitative learn equipment.
Holger Schön zeigt, wie Vertriebler professionell mit Kundeneinwänden in Verkaufsgesprächen umgehen können. Der Leser erfährt, wie er seine innere Einstellung gegenüber Kundeneinwänden optimiert und welche Techniken er nutzen kann, um mit mehr Wissens- und Handlungskompetenz auf Einwände des Kunden einzugehen.
The way to compose actually unique innovations through employing a confirmed inventive process Many company leaders are taught to improve suggestions through reading case learn after case research of alternative businesses' already carried out rules. even though, in an effort to boost a really nice process, you want to find out how to faucet into your individual instincts, instinct, and unique principles to connect to humans in ways in which have by no means been considered earlier than.


Helps train church youth in reaching out through the performing arts (drama, dance, video). Resources available on how-to videos (including Hollywood-style props and international dramas).
Today tattoo designs reviews comments and many useful tattoos articles.


text:
Noelle Connell October 31, 2016 Bechdel, Russo, and Race Test, Film, International
The Bechdel, Russo, and Race Test: The Handmaiden
The Handmaiden, loosely based off of Sarah Waters' Fingersmith, is set in 1930s Korea during the Japanese colonization.
The Count and Sook-Hee infiltrate Hideko's household.
The Handmaiden opens with Sook-Hee (Tae Ri Kim) and the Count (Ha Jung‑woo), two Koreans who are out to rob Hideko (Kim Min‑hee), a rich Japanese heiress. Their plan? Sook-Hee will work as Hideko's maid and convince her to marry the Count who will be posing as a Japanese nobleman. Once Hideko and the Count marry, Sook-Hee and the Count will then dump Hideko off at the nearest asylum and run off with Hideko's fortune. What could possibly go wrong, right?
The Handmaiden is misogynistic mess which eroticizes and fetishizes abuse, torture and lesbians. The film, nonetheless, passes the Bechdel, Russo and race test (go figure).
Hideko works under her uncle's "supervision."
A good chunk of The Handmaiden's cast is female (though most of these women don't have names), and while most of the women in the film don't talk to each other, there are two women in particular who constantly talk and interact with one another. The women in question? Hideko and Sook-Hee.
Sook-Hee and Hideko grow closer to each other and play dress up.
Hideko and Sook-Hee are the protagonists of The Handmaiden, and as such, they often talk to each other. Out of the times that these two talk to each other, they almost always mention men as most of their universe revolves men and their machinations, but there is an instance or two where these two converse with one another without mentioning men (e.g., at the beginning of the film, Hideko talks to Sook-Hee about her, Hideko's, aunt) so The Handmaiden passes the Bechdel test. However, while the film passes this one diversity test and the women in The Handmaiden ultimately "win" by outsmarting and escaping abusive and manipulative men, The Handmaiden isn't necessarily feminist. Case in point, the abuse that Hideko faces (Hideko, for example, is sexually, emotionally and physically abused by her uncle and his clients) is highly eroticized (versus condemned) and Hideko and Sook-Hee and their relationship is portrayed through the lens of the male gaze (i.e., The Handmaiden depicts Hideko and Sook-Hee's relationship, especially when it comes to their sexual relationship, in such a way that it panders to the male fantasy of "girl on girl action").
As to whether or not The Handmaiden actually passes the Russo test, because there are two LGBTI characters in the film, Hideko and Sook-Hee; neither of these women are solely defined by their sexual orientation (e.g., besides being defined as a lesbian, Hideko is also defined as being an heiress and Sook-Hee is defined as being a conwoman); and Hideko and Sook-Hee's removal from The Handmaiden would significantly affect the film's plot (The Handmaiden, after all, centers around these two characters), The Handmaiden passes the Russo test.
Hideko is forced to put on a sexual performance for her uncle's clients.
The Handmaiden also passes the race test, and the film passes this diversity test for obvious reasons – the entire cast is Asian and none of the characters ever mention White individuals so there are thus innumerable instances where non-White individuals talk to each other without mentioning anyone White.
*The Vito Russo test entails three requirements:
1. The film contains a character that is identifiably lesbian, gay, bisexual, intersex and/or transgender
****Just because a film passes the Bechdel, Russo and race test does not mean that it is not sexist, heterosexist, racist and/or cissexist, etc. The Bechdel, Russo and race test is only a bare minimum qualifier for the representation of LGBTI individuals, women and people of color in film. The failure to pass these tests also does not identify whether the central character was a woman, a person of color or a LGBTQI individual and it does not dictate the quality of the film.
Posted in Bechdel, Russo, and Race Test, Film, International and tagged Bechdel, Chan-wook Park, film, Jin-woong Jo, Jung-woo Ha, Kim Tae-ri, Min-hee Kim, Race Test, Sarah Waters, Seo-Kyung Chung, South Korea, Vito Russo. Bookmark the permalink.
The Bechdel, Russo, and Race Test: How to Get Away with Murder, "Don't Tell Annalise" – Season 3, Episode 4
The Bechdel, Russo, and Race Test: The Accountant


President John F Kennedy made Hyannis famous, and it's still the center of Cape Cod life. It's a good place to stay for explorations of Cape Cod, Nantucket and Martha's Vineyard.
Hyannis, one of the seven "villages" of the Cape Cod Town of Barnstable MA (map), gained national fame during the presidency of John F Kennedy because of his summer home in neighboring Hyannis Port.
Whether you come to Cape Cod by land, sea or air, you'll probably pass through Hyannis. Barnstable Municipal Airport, known informally as Hyannis Airport (HYA), is north of the town center, not too far from the Hyannis Transportation Center (bus and train station) and the station for the Cape Cod Central Railroad excursion-train (map).
Main Street and South Street, parallel thoroughfares in the town center, are the centers of urban life, with lots of restaurants, cafés, bars, shops, small museums, and municipal services.
Above, the Village Green off Main Street in Hyannis MA, with a statue of Iyannough, who befriended early English settlers. "Hyannis" is a variation of his name.


text:
Home / Posts tagged "legal concepts"
Tag: legal concepts
Ralph Paligaru – profile
Categories: 5R's Podcast, Blog, Case note, Corporate Insolvency Blog, Current projects, Defendant profile, Insolvency blog, Mark Smith's Blog, Past projects, Personal Insolvency Blog, Podcasts, The Mark Smith Blog
Tags: 2017, 632 Old Northern Rd, Adam Tilley, AFSL, Amreeta Paligaru, Andrew Kingston, Anthony Catalano, APG, Assignment - Kumar to DCPLH, Assignment - Paligaru to DCPLH, Assignment of chose in action, Assignment of debt, Australasian Property Group, Australian Aid, bankruptcy, Bankruptcy Notice, Bargo, Bargo Developments, breach of duty, Brookes Partners, Business Asset Protection, cashflow issues, Charge, Chhota Rajan, Chose in action, Craig Adams, debtor profiles, Defendant profiles, Dennis English, director's duties, Dreketi, Dreketi Mill, Dreketi Timber Mill, dural, Dural Alliances, Fiduciary, Fiji, Fiji Hardwood Corporation, Franklin Yeezy, Galea Family, Galea/Paligaru Agreement, Garry Steinberg, Golden Arrow, Heads of Agreement, HFC Bank, HOA, insolvent trading, John Mahony, John Mahony Clients, Joint venture, Jon Brookes, Justin Hatfield, JV, Kesinda, legal concepts, legal questions, Liquidation, Litigation funding, Lumley Finance, Lynching, Mahony Law, Marist, Marist College Fiji, Mills Management Fiji, Mohan Kumar, N&M, Pacific 8, Pacific8, personal guarantees, POA, Podcasts, POE, Power of Attorney, PPSR, Profile, Public examination, Rajendra Sadashiv Nikalje, Ralph Ignatius Paligaru, Ralph Paligaru, Reliance Leasing, repudiation, Reserve Bank of Fiji, Shin Ho Yu, TAF, Taiwan Timber, Taiwan Timber Fiji in liquidation, The Cabinet of Fiji, The Smith Caveat, Torrens Assurance Fund, Vendor's lien, Video, voidable transactions, Winchester O'Rourke, Windup application
revised in part on 15 and 16 December 2020 by Mark Smith
I met Ralph in late March 2017. Below are the personal opinions (unless stated otherwise) of Mark Smith.
Ralph purports to have connections to people in high public offices in Fiji – Cabinet Ministers having, he claims, attended Marist College as a Schoolboy in Fiji where he has said that he formed childhood and longterm relationships with persons later coming to occupy, as I mentioned, high public offices in Fiji. It is believed that some of these connections include to persons within the Reserve Bank of Fiji, Fiji Hardwood Corporation and a number of Government Departments. It is believed therefore that some of the below profile may be of public interest to those trading with persons and dealing with government officials, in some instances, in Fiji as well as interest to foreign persons providing aid, trade or other support to Fiji. This profile may also be of interest to Australians – Australia contributes a substantial sum of aid to Fiji and naturally as a sovereign nation we have an interest in the good governance of the Country of Fiji – one of our closest neighbours together with an interest in efficient and proper utilisation of Australia's Aid provided to Fiji. Regrettably, Fiji, it is reported, has a problem with corruption along with other countries within the region. We do not suggest Ralph is involved in public wrongdoing, just the developing nature of administration and governance in some parts of the still developing world. The below article may also be in the public interest of persons from or interested in India. The public interest of Australia may also be involved – Ralph and his former employer (discussed below, man named Mohan Kumar) lobbied and received Visa's and other benefits, as a result of lobbying and other likely legitimate dealings, from officials and public office holders in Australia.
Ralph Ignatius Paligaru ("Paligaru") is the director of Dural Alliances Pty Ltd (in liquidation) and Mills Management (Fiji) Pte Ltd which has a lease or operating agreement over the Dreketi Timber Mill from the defunct Taiwan Timber Co, Fiji.
It is unclear whether any secured or unsecured creditors of Taiwan Timber Co, Fiji benefit from the lease arrangement – but we say that analysis of the tenant is in the interests of creditors, stakeholders including suppliers to Dreketi Timber Mill and generally in the public interest particularly in Fiji.
Ralph has charged his shares in these 2 companies to my company DCP Litigation Holdings Pty Ltd (secured by 2 duly perfected PPSR's).
Below is a chronology of key dates and events which the writer, Mark Smith believes to be true:
Background – Ralph & Mohan Kumar aka Chhota Rajan
Some time before 2015, probably well before 2015, Ralph was employed by a man known as Mohan Kumar. A detailed profile on this person is discussed by following the links to pages tagged Mohan Kumar aka Chhota Rajan.
Ralph Paligaru's boss
On or about 6 October 2015, Mohan Kumar granted to Ralph a power of attorney with powers as to the management of Kumar's affairs and property interests. A true copy of the Power of attorney is accessible here: click link.
The power of attorney granted does not expressly authorise Ralph Paligaru to confer personal benefit/s upon himself. In addition to the POA duties and obligations, Ralph continued to be on the payroll of Mohan Kumar (as his Manager until late May 2016) and thus owed obligations in contract to Mohan Kumar, Ralph's then employer. The relevant Act provides:
A copy of the power of attorney – not expressly authorising Ralph to grant himself (for Mohan Kumar) personal benefits can be viewed here – click here.
On or about 25 October 2015, Mohan Kumar (apparently bearing a fake passport in the name of Mohan Kumar) boarded a plane at Sydney and travelled to Denpasar, Bali, Indonesia. It is believed that Ralph Paligaru, on the same day, travelled from Sydney to Denpasar – but on a separate flight – Ralph has provided oral admissions to me to that effect that he did not travel with Mohan Kumar but he did travel to Bali on the same day as did Mohan Kumar – Ralph's then employer.
Upon arrival in Denpasar, the person claiming to be Mohan Kumar was arrested according to reports. The true identity of the traveller is not known to me however photographs of the person and his fake passport have been reported widely in global news sites including in India. The fake passport carried by the traveller known as Mohan Kumar was issued, it is reported, in Zimbabwe by India and later re-issued in Sydney – a matter of public interest to residents of Australia. A reported copy of the fake passport of Mohan Kumar is shown below:
This signature seems to be similar to the signature on the Power of Attorney given to Ralph – see link: https://bit.ly/3o631OV
I understand that corruption related cases have been been conducted re the issue of the fake passport in India alleging that the person carrying that fake passport is in fact Rajendra Sadashiv Nikalje – also known as Mumbai gangster Chhota Rajan. To the best of my knowledge the traveller has not admitted to being Chhota Rajan. Links to an article by SBS containing these allegations is here: https://www.sbs.com.au/news/indian-mobster-hid-in-australia-for-7yrs
It is believed that Ralph was employed at all material times by Mohan Kumar at or concerning 632 Old Northern Rd, Dural. It is believed Ralph's title of employment was, officially Manager of Kumar's Australian interests.
To the best of my knowledge, Ralph stayed in Bali for approximately 1 night before returning to Sydney, accordingly I do not believe that Ralph's visit to Bali was for or turned out to be for a vacation?
Mohan Kumar was arrested in Bali on about 25 October 2015, upon his arrival there and subsequently extradited to India.
The writer has located the following video believed to be an accurate report from a well known global news sources (AP):
SBS reports that Rajendra Sadashiv Nikalje is wanted in India over the deaths of at least 20 women: see article – https://www.sbs.com.au/news/indian-mobster-hid-in-australia-for-7yrs
The writer has no knowledge of the truth of these allegations but says he was informed upon meeting Ralph Paligaru in March 2017 that Ralph was aware of such allegations. The writer is aware of Ralph's concerns, in writing to Dennis English, a former lawyer of Ralph's of being "lynched".
The writer understands that Mohan Kumar appeared to be of good character during his residence in Australia over the period of about 12 years from about 2003 (on and off) till October 2015 approximately.
The writer has seen correspondence held by Ralph Paligaru written to the local member of Mohan Kumar being Phillip Ruddock (a highly reputable MP) which states that Mohan Kumar is in effect a reputable business person making investments which are, or seem to be, legitimate in Australia in the MP's electorate and elsewhere. A copy of the letter can be seen by clicking this link: Letter to Phillip Ruddock MP. I was provided with a copy of this letter by Ralph.
Sale of 632 Old Northern Rd, Dural
During late 2015 or early 2016, Ralph Paligaru appointed Jon Brookes of Brookes Partners as agent to sell 632 Old Northern Rd, Dural.
On or about 5 July 2018, Ralph Paligaru informed me he believed that the appointment provided to him a personal benefit (discussed below).
Ralph had issued personally to Jon Brookes an invoice for a referral fee (personal benefit) on the commission which Brookes Partners was to and did receive upon the sale of the land to Bargo – a copy of Ralph personal invoice to Brookes Partners can be viewed here – click here.
Ralph assigned the debt to my company seeking that my company would recover for Ralph's benefit a referral fee.
In the interests of Mohan Kumar, it is unclear why Ralph didn't simply negotiate a lower fee than that which was agreed on the sale of 632 Old Northern Rd from the selling agent, Brookes Partners?
Between April and May 2016, as Kumar's POA, Paligaru was involved in negotiations for the sale of 632 Old Northern Rd, Dural being folio 1/228521 ("the land") with Adams, director of the purchasing vehicle company, Bargo. A number of transactions were considered including a call option or vendor finance.
Around late April 2016, Ralph retained Dennis English of DCE Lawyers ("DCE") in his capacity as POA for Kumar. The writer does not suggest that DCE provided anything other than sound legal advice to Ralph. Ralph provided me all the below emails (waiving privilege).
Around late April 2016, Craig and Bargo retain Guy Vinden ("GV") as solicitor.
In April 2016 Ralph negotiated to receive an interest in Craig's Dural project via a Heads of Agreement (Joint Venture or JV) between Ralph, Craig and another person named Andrew Murray, entered into confidentially at around the time when Ralph was both an employee of the former vendor of the Dural Land, Mohan Kumar and acted as Mohan Kumar's Power of Attorney.
In later correspondence received from John Mahony of Mahony Law (Ralph's lawyer but also a person who acted for, and was paid at various times by, Mohan Kumar as well as Craig Adams / Bargo Developments – a company owing Mohan Kumar more than $4m), John Mahony wrote the following:
It is noted that whilst John Mahony was Ralph's lawyer, Bargo's lawyer and Mohan Kumar's lawyer, John Mahony had not (at the time) provided a written fee disclosure to Mohan Kumar – see attached letter from John Mahony – click here to view.
The writer is aware that Mahony claims to have orally disclosed costs (but not in writing) at some relevant times.
During a period when John Mahony had no written fee disclosure to Mohan Kumar (and he was acting for Ralph Paligaru (who had sought various personal benefits) and for Bargo Developments (who owed Mohan Kumar $4m+), John Mahony issued tax invoices to Mohan Kumar for $99,310.54 – copy of email and bills available – click here.
It is unknown whether Mohan Kumar knew of the shareholding Ralph was to receive via the Heads of Agreement (Joint Venture) or approved, although the writer notes the Heads of Agreement purports to be confidential and Ralph wrote concerning what he said was a "vested interest". One such email can be viewed here by clicking this link.
It is unknown why, if the JV was for the benefit of Mohan Kumar, the shareholding and other benefits provided for in the JV were not simply made in the name of Mohan Kumar (the POA did not expressly permit Ralph to confer benefits upon himself)?
On or about 2 May 2016, Kumar's solicitor, DCE advised Paligaru strongly against vendor finance for any transaction with Bargo. Paligaru as POA for Kumar did not follow the advice. Copy of correspondence coming soon.
Between 9 and 10 May 2016, DCE and GV exchange correspondence. Copy of correspondence coming soon.
On 20 May 2016 at 1.51pm, DCE continued to advise Ralph, as Kumar's solicitor, against vendor finance. Copy of correspondence coming soon.
Between 2.51pm and 3.04pm on 20 May 2016, DCE ceased to act for Kumar (at Ralph's discretion). Copy of correspondence – click here.
On or about 20 May 2016, Paligaru appointed himself to act on the conveyance for Kumar to the ownership of Bargo. Copy of correspondence – click here for front page of contract.
On 21 May 2016, Paligaru writes to DCE seeking legal advice in order to avoid being "lynched". Copy of correspondence – click here.
On 23 May 2016 at 8.58am, Paligaru receives from DCE legal advice. Copy of correspondence – click here.
On 23 May 2016 at 9.01am, Paligaru forwards the DCE legal advice to his Bargo JV partners, Adams & Murray. Copy of correspondence – click here.
On 23 May 2016 at 9.08am, Murray replies to Paligaru. Copy of correspondence – click here.
On 25 May 2016 at 4.25pm, Paligaru receives a signed copy of the Bargo JV. Copy of correspondence coming soon.
At or about 23 to 25 May 2016, Paligaru received employment (or a contract of some kind) to commence upon settlement, on terms of approx. $5,000 per month directly from Brookes Partners, managing agents for Bargo (Bargo, replacing Mohan Kumar as outgoing vendor and lessor). Copy of correspondence coming soon. Ralph received a monthly payment from Brookes Partners from the rent that Bargo was entitled to from the tenant of 632 Old Northern Rd, Dural after completion.
Until 31 May 2016, Kumar was the vendor of 632 Old Northern Rd, Dural being folio 1/228521 ("the land"), subsequently Bargo became its registered proprietor.
On or about 31 May 2016, through Paligaru under the POA, Kumar entered a contract for sale of the land in the sum of $5.5m. Kumar received the sum of $1,500,000 at settlement and taking a vendor's lien for the sum of $4,000,000 secured by an unregistered mortgage (but didn't register a caveat initially), an executed blank share transfer for 100% of the shares in Bargo Developments Pty Ltd ("the purchaser") as detailed in the contract ("Kumar's interest"). The vendor's lien was between the vendor and purchaser however the sum was guaranteed by the director of the purchaser ("guarantor"). Copy of extracts of these documents – click here to view.
On 6 June 2016, Ralph Paligaru ABN 27860074875 issued tax invoice 1002 in the sum of $60,500 to Jon Brookes of Brookes Partners Real Estate for a personal referral fee – for referring the listing of Mohan Kumar's land (Ralph was POA to Mohan Kumar) at 632 Old Northern Rd, to be listed and sold to Craig at Bargo for $5.5m (of which only $1.5m was paid and the balance of $4m remained unpaid pursuant to the vendor's lien). It is unclear whether Ralph intended to disclose this "commission" to Mohan Kumar, the original owner of the Dural land nor why Ralph didn't simply seek a $60k reduction in commission for his employer? A copy of the invoice from Ralph to Brookes Partners Real Estate – click here to view.
Between May 2016 and March 2017, the terms of the $4,000,000 vendor's lien were defaulted upon.
On or about 15 March 2017, Lisa Natoli (the Chief Financial Officer of the mortgage manager for Pacific8 including Kesinda and its predecessor, N&M, see below, corresponded with Andrew Kingston ("Kingston"), Managing Director of Winchester O'Rourke, a closely related party of the mortgage manager for Pacific8.
On 15 March 2017, Kingston wrote to Justin Hatfield ("Hatfield"), mortgage broker for the purchaser. Copy of correspondence coming soon.
During the day and the evening of 22 March 2017, Paligaru made a series of calls to me seeking increasingly urgent someone to discuss the Bargo defaults and directions (that evening, except he had to attend his son's school function), in securing unpaid monies pursuant to the unpaid vendor lien.
On 23 March 2017 at or about 7.30am, I met with Paligaru at his residence at 88 Perfection Ave, Stanhope Gardens.
Paligaru informed me the POA he held for Mr. Kumar who resided in an Indian prison (and would do so, Ralph said, on a life sentence).
During the meeting I enquired of Paligaru a series of questions concerning the vendor's lien, and his exercise of the POA as follows (words to the effect) …
Me: "Okay, you've entered into the sale of this land for $5.5m under this contract, how much money did you, Kumar, actually receive?"
Paligaru: "About $1.5m on settlement".
Me: "Who signed the contract, you under the POA or Kumar?".
Paligaru: "Me, under the POA".
Me: "So where is the title deed?".
Paligaru: "Um, we, I gave it to Craig Adams".
Me: "So you held the title, but gave it to Adams?".
Paligaru: "Yes".
Me: "So you are saying you just gave Craig Adams the title deeds to a piece of land worth $5.5m and he went off and did whatever he liked with the property?"
Paligaru: "It wasn't like that, he promised in the contract to pay it back with interest."
Me: "But so far, has he kept his promises."
Paligaru: "No, not exactly."
Me: "Whose idea was the vendor finance?".
Paligaru: "Craig Adams and I came up with it, more or less, together".
Me: "But ultimately, who approved it, you or Kumar?".
Paligaru: "Me, I have full authority under the POA to manage his affairs however I see fit".
At 7.47am on Friday 23 March 2017, I searched the register of the land for records of any persons claiming an interest in the land. I discovered registered interests in the land by Bargo, N & M Investments/Properties Pty Limited ("N&M") and POE. Copy of search document coming soon.
On or about Friday 23 March 2017, (at my instigation) a caveat was recorded upon the title to the land to protect his interest. The caveat was sworn by Paligaru under the POA for Kumar (the Smith Caveat). A copy of the caveat as registered can be viewed here – click link – coming soon.
At 9.36am on Monday 27 March 2017, once aware of the interest of N&M, I searched N&M's particulars, to know where to correspondence with N&M. Copy of correspondence coming soon.
On Monday 27 March 2017 (at 12.23pm), at my instigation, I conducted a grantor search on Bargo / Adams to see whom he'd given PPSR's to. Copy of correspondence coming soon.
At 1.24pm on Monday 27 March 2017, I contacted the second mortgagee, POE, to discuss breaches of the vendor lien terms. Copy of correspondence coming soon.
On or about Monday 27 March 2017 (the next business day), at my instigation, I wrote and delivered a "no-tacking letters" to the first mortgagee at that time only owed circa $2.675m and the second mortgagee whom I knew professionally. Copy of correspondence coming soon.
On or about 2pm on Tuesday 28 March 2017, I served the no-tacking letter upon N&M's registered office via its company secretary, Anthony John Catalano. Copy of correspondence coming soon.
On Wednesday 29 March 2017 at 11.41pm, I wrote by email to Mr. Catalano (copied to Paligaru) the first mortgagee (and solicitors for the second mortgagee) about the default of Bargo pursuant to the $4m vendor's lien. Copy of correspondence coming soon.
Between 11.41pm on Wednesday 29 March 2017 and 6.05am on 30 March 2017, unbeknownst to the writer, Catalano wrote to Kingston supplying my email to Catalano. Copy of correspondence coming soon.
Between 28 and 30 March 2017, N&M the prior mortgagee to Kesinda and its manager received actual notice of the prior interest of Kumar. We can provide upon request a true copy of the relevant title searches, emails and notices given to the prior mortgagee to Kesinda ("N&M") and Kesinda's manager, Pacific 8 and/or Winchester O'Rourke, in particular its Managing Director Andrew Kingston ("the mortgagee's manager"). Through Paligaru and Mahony, Kumar conducted mediation with Pacific 8, Kesinda, Kingston and the writer. Copy of correspondence coming soon.
In late July 2017 Dural Alliances Pty Ltd as a company was set-up with and by Ralph and his former partner Craig (see below) in the land and development proposed project at 632 Old Northern Rd, Dural ("the Dural land").
In furtherance of unknown purposes, Ralph in August 2017 borrowed $540,000 from Franklin Yeezy Holdings Pty Ltd, which he supplied for the benefit of Craig Adams – to refinance loans secured to multiple of Craig's properties. Ralph was and still is (to our knowledge) the registered power of attorney of the former vendor, Mohan Kumar.
Some clues as to the purpose that Ralph borrowed the Franklin Yeezy funds might be found in this email – click here or alternatively in reading Ralph's affidavit in those proceedings?
A mortgage (variations of which Mahony negotiated) and a deed (the deed preparation is thought to have involved John Mahony of Mahony Law) purport to have been entered in August 2017, a couple of days before the Franklin Yeezy advance. The Deed appears to have been witnessed by John Mahony of Mahony Law. The mortgage of Franklin Yeezy was prepared, to the best of my knowledge by David Lalic of Strategic Legal.
Ralph's borrowings from Franklin Yeezy
Under the deed, the Paligaru's were also to receive the sum of $20,000 – clause 1.
The Deed entitled Dural, Ralph to things including a charge with the right to caveat that interest in Warriewood properties owned by another of Craig's companies – Golden Arrow International Pty Ltd (in liquidation) however this caveat was registered (we do not know why there was a delay) not on 4 August 2017 but, we understand about 6 December 2017.
Ralph gave sworn evidence that Mahony Law was paid for their services as follows:
The scope of legal services is not known, or confused by the below invoice 67519 seeming to cover some of the same content?
Confusingly, the writer is also aware, contradicting paragraph 24 of Ralph's affidavit above, John Mahony of Mahony Law in fact issued invoice 67519 to Bargo Developments (e.g. Craig Adam's company and not to Ralph Paligaru or Dural Alliances?) for preparation of the Deed and other items?
A copy of invoice 67519 itemised confirming that Bargo paid for Mahony's services is attached here – click here.
A copy of the accompanying email from John Mahony to Ralph – click here.
The writer is unaware whether John Mahony of Mahony Law had any conflicts between his clients – Bargo Developments whom he issued invoice 67519 to – and Ralph Paligaru who mortgaged their family home – 88 Perfection Ave, Stanhope Gardens (default rate of 6%/month, e.g. >72% pa)?
The writer notes Mahony's invoice to Bargo whereby Mahony's email refers to the following which is confusing:
" …we enclose our tax invoice for acting on your behalf (Bargo) since the commencement of this matter."
Why is the invoice issued by Mahony to Craig's company, Bargo Developments when Mahony's email states "we enclose our tax invoice for acting on your behalf …."??? – a copy of the invoice available – click here.
It is unclear why the invoice wasn't issued to Ralph if Mahony was acting on behalf of Ralph (and not Bargo)?
A search of records show that caveat AM936966 was registered for the Paligaru's – Ralph on the Golden Arrow Land in Warriewood pursuant to the 4 August 2017 Deed – caveat can be inspected by clicking here.
The writer is unsure of the reason for the delay of four (4) months between the entry of the Deed witnessed by John Mahony of Mahony Law and registration of the caveat (apparently lodged by John Mahony of Mahony Law?
The writer observes that the Deed is dated 4 August 2017 but the caveat is only attested (it seems) by Ralph on 27 November 2017?
As a general rule it is understood that the law is that:
"where equities are equal, the first in time prevails".
The writer notes that four (4) months, from August 2017 to 6 December 2017 (if correct) was a sufficiently long time by which time the Paligaru's interest in that land at Warriewood was, it seems, postponed.
Postponement means, in simple terms, instead of a person receiving secured money before X person, that person is postponed behind X person (another person receives payment first or in priority).
It is believed that the decision not to (for reasons unknown) lodge caveats in August 2017 (until 6 December 2017) and the subsequent postponement that follows meant that Australasian Property Group Pte Ltd – controlled by Ian Jordan and Maya was paid (I believe circa $540,000) in priority to the charge of the Paligarus.
It is unknown who was responsible for the lodgment or non-lodgment of caveats or the circumstances for delay but observe the caveat appears to have been ultimately lodged with the reference "Mahony 398989" and the caveat states that it was attested before John Mahony (on 27 November 2017).
As mentioned elsewhere, Australasian Property Group Pte Ltd – operated by Ian Jordan – provided Craig a personal loan later secured to the Warriewood land (in priority to the Paligaru's) – a copy of the relevant personal loan documents can be viewed here and here.
The APG person loan document appears to be witnessed by Ian Jordan who purports to be a director of APG? It is believed that, as Ralph has connections with Fiji, so to does Australasian Property Group Pte Ltd? The writer understands that Ralph and Ian Jordan travelled together in or to Fiji on business and considered a number of potential transactions? It is believed that some money (legitimately) changed hands between Ralph and APG in regards to transactions?
Ultimately, Ralph – it is believed – did not receive repayment of the sum of $540,000 from Craig Adam's company Golden Arrow International Pty Ltd, postponed behind Australasian Property Group Pte Ltd. Accordingly interest became payable, secured to their house at 88 Perfection Ave, Stanhope Gardens to Franklin Yeezy. The Franklin Yeezy loan became subject to an interest rate of 6% per month (in default) as a result of that non-payment. John Mahony of Mahony Law provided advice to the Paligaru's on the mortgage (and facilitated variations) and deed and was paid for his services (see above) in the sum of $3,236.71.
By my reckoning, interest on $540,000 at 6% per months amounts to around $32,400 in the first month in default.
In month 2 the interest (calculated on principal plus default interest) compounds, if not paid, to around $34,000 PER MONTH.
It is difficult to fathom why a person (such as Ralph) might provide such generous, high risk support to another person they did not know well, e.g. Craig? That is – it is difficult to comprehend why the Paligaru's would be prepared to borrow on high risk terms for this particular 3rd person?
The precise benefit (if any) available to the Paligaru's for their guarantee and provision of security is not known?
The writer is aware of an extract of a sworn affidavit of Ralph which can be viewed here – click link where Ralph provides some explanation in his own words for the provision of this financial support. I understand this affidavit was read in open court in December 2019.
Elsewhere Ralph swore the following:
Paligaru admissions – are you any clearer?
The writer is aware that Ralph and Craig, at around the time the Dural land was being sold to Craig's companies named Bargo Developments Pty Ltd (also in liquidation), did sign a document – referring to itself as a Heads of Agreement – which appears to grant to Ralph an interest in a future Special Purpose Vehicle (sometimes people refer to similar vehicles as joint ventures).
On its face, the Heads of Agreement concerns the Dural land whereby Ralph would end up with a significant interest in a private hospital at a future point? Or at least the document suggests this intention – you be the judge: click here.
The Heads of Agreement, now well known in certain circles contains the words "confidential information" however confidentiality was waived by Ralph in 2017. Particularly, Ralph intended to require (he told me, in effect) specific performance of this Heads of Agreement writing the following email to me – click here to view.
The writer is not saying what the meaning of this particular email is but according to Ralph, Ralph wrote that he believed he had what he said he believed in July 2017 (shortly before taking out the Franklin Yeezy borrowings) was a "vested interest" claiming "this is my deal". The writer is not aware that Ralph ever himself resiled from having the interest the Heads of Agreement purports to grant him, or that he refers to as a "vested interest".
A copy of the email written by Ralph containing these words is available for review by clicking here. You be the judge what the document means – if anything?
The writer is unaware of the legal effect of the Heads of Agreement document – viewable here.
It is noted on its face, the Heads of Agreement appears to involved Craig Adams ("Craig"), Ralph and another person named Andrew Murray? Nothing is known of Andrew Murray other than what is contained in the Heads of Agreement and Ralph's email.
Chronology continued – sale of the Kumar security
On or about early January 2018, Kesinda took its interest in the land (on notice, through N&M and the mortgagees manager of Kumar's prior interest, assigned to DCP Litigation Holdings Pty Ltd).
Between February and March 2018, Kesinda procured from Reliance a postponement of its interest in the land.
On or about July 2018, Paligaru introduced the ultimate buyer of 632 Old Northern Rd, Dural under Pacific 8's mortgage sale – the Galea Family. That purchaser (or their agent) signed further agreements with Paligaru (conferring upon Ralph various benefits). The Galea / Paligaru agreement (or attempted agreement) was facilitated in part by Kumar's former lawyer John Mahony.
In July 2018, Kesinda, successor to N&M sold the land at Dural by public auction. Copy of documents coming soon.
To 25 August 2018, as assignee I calculated and believe that DCPLH is owed $5,339,928.99 from the above assignments from Kumar plus interest and costs. Bargo failed to dispute the amount or fact of the debt.
To 25 August 2018, as assignee I calculated and believe that DCPLH is owed $540,000 from the assignments from the Paligaru & Dural Alliance plus interest and costs since Bargo failed to dispute the amount or fact of the debt.
On 26 October 2018, I gave Paligaru and each of Kesinda and the parties in the Kesinda proceedings notice of the application for windup of Bargo pursuant to the assigned debts.
Each of Kumar, Paligaru, Dural Alliances stood by, not disputing the assignment (Kumar to DCP, Paligaru/Dural Alliances to DCP), whilst the Applicant as their assignee proved its debt and caused the winding up of Bargo pursuant to the Bargo debts.
In the early morning of 14 November 2018 I swore an affidavit of debt.
On 14 November 2018, the Supreme Court of Victoria order upon the Applicant's windup application concerning Bargo.
In July 2019, Mahony appeared for Mohan Kumar in a mediation with Adam Tilley and Pacific8's related party Kesinda, as well as Australasian Property Group and others. Ralph attended the mediation as the personal legal representative of Mohan Kumar. The mediation resulted in Mohan Kumar being paid a substantial sum which I understand was applied to pay legal expenses and to, at least in part, pay to reduce the indebtedness of Ralph Paligaru to Franklin Yeezy.
Also (possibly a coincidence), around the time of the mediation (on 31 July 2019) Ralph through a company he incorporated in Fiji named Mills Management (Fiji) Pte Ltd entered into a triparte lease with HFC Bank and Taiwan Timber Company (Fiji) Limited (in administration)?
It is believed that at the time the Taiwan Timber Company (Fiji) Limited owed HFC Bank under a mortgage together with an unknown number of creditors several million Fiji Dollars. The HFC Bank mortgage, we understand, is stamped to FJD$7,696,535.00 – surely a great sum for the shareholders of the HFC Bank if they are still carrying a debt of amount (it is believed that Taiwan Timber Company (Fiji) Limited is insolvent and in administration)?
We understand the director of Taiwan Timber Company (Fiji) Limited is a personal named: Mr Shin Ho Yu. The writer understands that under the triparte lease, Ralph's company pays HFC Bank around FJD$85,000 per month? The writer is unaware if the timber mill has operated during the Covid period in mid to late 2020, the current status of the lease or the status of Ralph and his company's relations with HFC Bank?
In February 2020 Dural Alliances was wound up in the Federal Court of Australia by my company, DCP Litigation Holdings Pty Ltd – see the attached court order – click here.
Later DCP Litigation Holdings proved a debt owed to it by Dural Alliances in the amount of $179,999.82 – the same source of debt alleged in order to windup that company – court order obtained here.
Ralph Paligaru had notice of the winding up of Dural Alliances and did not attend court nor did he contest the debt. A copy of the creditors statutory demand served upon Dural Alliances and an affidavit of service is attached here – click link.
The debt owed which the court held to be owed by Dural Alliances to DCP Litigation Holdings arises, I say and the court held, under a Deed also entered into by Ralph personal.
Alternatively, Ralph as director of the company Dural Alliances did not dispute the debt alleged to be owed to DCP Litigation Holdings. Under the same deed, if binding, Ralph may also have a liability to my company personally (noting he as director did not dispute that Dural Alliances owed the same alleged sum that led to the Dural Alliances company being wound up).
Unfortunately, subsequent to signing the Deed, Ralph has cooperated less and less toward achieving the objectives and purposes of the Assignment Deeds (Kumar to DCPLH, Paligaru/Dural Alliances to DCPLH) such that on 8 January 2019, Mark Smith for DCP Litigation Holdings accepted the repudiation by Ralph of the Deed.
As at 26/11/2020, John Mahony continues to act for Ralph Paligaru.
John Mahony has previously acted for Mohan Kumar (who Ralph holds a POA over) and has previously worked with Craig Adams.
In or about February 2020, Adam Tilley's Pacific8 (the holder of an AFSL) loaned money under a 1st mortgage to Ralph and his wife. Adam Tilley's Pacific8 (the holder of an AFSL) also, purely by coincidence, loaned money to Craig's company Bargo (who bought Dural from Kumar) in 2016, 2017 and 2018 under a series of differently named lenders before appointing agents and selling 632 Old Northern Rd, Dural under its mortgage/power of sale.
These loans may be a coincidence, the writer does not suggest any wrongdoing by Pacific8 (the holder of an AFSL)? A further coincidence is that Adam Tilley's Pacific8 (the holder of an AFSL) and Franklin Yeezy shared the same lawyer – Summer Lawyers a firm who do specialise and act for a large number of Sydney based private lenders.
The writer is only opining that "its a small world" and does not suggest any wrongdoing.
The writer also notes that Mr. Tilley is not an owner of Franklin Yeezy Holdings Pty Ltd.
On or about 20 July 2020, DCP Litigation Holdings filed a cross-claim and consent judgment (signed by Ralph's lawyer John Mahony) against Ralph Paligaru in the sum of $106,551.
On 11 September 2020, the Supreme Court of NSW issued orders under the consent judgment in favour of DCP Litigation Holdings against Ralph Paligaru – a copy of that consent judgment may be view here – click link. DCP Litigation Holdings is taking steps to enforce that judgment. Ralph has indicated directly and through his lawyers that he does not wish or intend to become bankrupt. To date, the judgment sum has not been satisfied (not paid) – partially or fully.
If the writer believes there is further detail adding to the profile of Ralph Paligaru which come to light in the public interest to people, tax payers, business community, bankers, governments or others in Australia, Fiji, India and elsewhere, he reserves the right to publish appropriate materials.
Posted on 17 November 2019 by Mark Smith — Leave a comment
Categories: Business Blog, Business Finance Blog, Corporate Insolvency Blog, Insolvency blog, Law blog
Tags: ASIC, Asset Protection, ATO, ATO debts, books and records, Business Asset Protection, cashflow, cashflow issues, company assets, Corporate insolvency, Creditors Statutory Demand, debt, director's duties, incurring of debts, Insolvency, insolvent trading, legal concepts, legal questions, Liquidation, Personal Asset Protection, personal assets, personal guarantees, Public examination, Windup application
A liquidator is a person appointed, in the winding up of a corporation, to assume control of the company's affairs and to discharge its liabilities in preparation for its dissolution. The appointment of a liquidator may be done voluntarily (by the proprietors) or via the courts (usually upon the application of a creditor – very often the ATO using a creditors statutory demand).
The process of the liquidator conducting the affairs of the company and realising its assets is called liquidation.
The liquidator's role is to ascertain the liabilities (and assets) of the company, convert its assets into money, terminate its contracts, dispose of its business, distribute the net assets to creditors and any surplus (which is rare) to the shareholders and/or proprietors.
The liquidator will extinguish the company, lawfully, as a corporation on the records of ASIC by formal dissolution.
In determining the assets of a company, it is the liquidator's duty to determine whether particular assets under the company's control are owned by the company or others – i.e. stock may be purchased subject to a retention of title, vehicles may be on a corporate hire purchase and secured via a PPSR.
BAP can assist company directors to structure their assets and affairs, if not insolvent, in such a fashion to provide lawful asset protection. To discuss how we can help to structure your company's affairs and assets to provide maximum asset protection, please click here to book an appointment, call 1300-327123 (1300-DCP123), or complete the below form.
Fiona Hall (packing her bags) – profile
Posted on 8 November 2019 28 December 2021 by Mark Smith — Leave a comment
Categories: 5R's Podcast, Blog, Business Blog, Business Finance Blog, Case note, Corporate Insolvency Blog, Defendant profile, Past projects
Tags: AB Gartrell, AB Gartrell Philippines, Andrew Gartrell, Angela Gartrell, Assignment of chose in action, Assignment of debt, Biteriot, Biteriot Operations, Bonny Glen (in liquidation), books and records, Caernarvon Cherry, Cheryl Adams, Class action, Corporate insolvency, Corporate villains, current projects, DCPLH projects, debt, Defendant profiles, director's duties, Fiona Hall, Fruit Growing, Hall family, Homeward Bound Holdings, legal concepts, Liquidation, Nuffield Australia, Nuffield Scholarship, Podcasts, Video, Wage Theft
How does someone become a Nuffield Scholar?
… Get your bestie to write the application? Well that was Fiona Hall's idea.
First, in mid 2014 she enquired with me whether I'd write the application for her (I didn't and I am not her bestie).
Shortly thereafter the application was written by Mr Andrew Borrodell Gartrell (at the time a friend), the rest is history.
To see Fiona's email to me click here, to see Fiona's email to Gartrell click here.
Fiona, wife of Bernard, is not a director of any of the Bonny Glen companies and held no direct financial interest in those properties.
Fiona however is a joint shareholder and director of Caernarvon Cherry Pty Ltd and other related companies.
As at 8 November 2019, she does not own any direct interest in the Caernarvon homestead, Caernarvon orchard or Caernarvon shed.
Below is parts of the Hall's family business structure and landholdings.
Hall family tree of businesses
Below is Fiona's speech at the Nuffield Australia National Conference 2016 via Youtube.
Here Fiona 'champions' access for growers to data.
It will be interesting to see Fiona's approach and response to subpoenas – should they be issued – in the proposed class action by cherry growers.
Another video interview by Fiona discussing the need for farm profitability. Caernarvon is well known as having delivered 'bills' to fruit growers who sent their fruit to Caernarvon to be packed and sold, i.e. the net return to the grower was negative after deducting Caernarvon's packing and marketing costs and the fruit 'sold'. It is unclear whether Caernarvon has at all times complied with the Horticultural Code of Conduct?
If you have any comments or information about Bernard & Fiona Hall, we'd love to hear from you including any documents via the instant chats below, through the below form or by phone on 1300-327123.
Craig Matthew Adams – former proprietor of Golden Arrow, Mikara Developments, Bargo Developments, Key Asset Management and more
Posted on 2 June 2019 28 December 2021 by Mark Smith — Leave a comment
Categories: Corporate Insolvency Blog, Current projects, Defendant profile, Insolvency blog
Tags: 632 Old Northern Rd, Asset Protection, Assignment of chose in action, Assignment of debt, ATO debts, bankruptcy, Business Asset Protection, Creditors Statutory Demand, current projects, DCPLH projects, director's duties, Dural Alliances, Garry Steinberg, insolvent trading, legal concepts, legal questions, Liquidation, Mohan Kumar, personal guarantees, Public examination, Ralph Ignatius Paligaru, Ralph Paligaru, receivership, Reliance Leasing, Windup application
Craig Matthew Adams ("Craig"), who lists his occupation as "investor", is a former company director.
Craig came to DCPLH's attention related to several insolvent companies liquidated in mid to late 2018. The group of companies includes:
Golden Arrow International Pty Ltd
Bargo Developments Pty Ltd
Mikara Developments Pty Ltd
Mikara Investments Pty Ltd
Greenviews Castle Hill Pty Ltd
Craig is personally bankrupt. A copy of the sequestration order is viewable here.
Craig was personally liable for a debt of $4m (plus interest) from Mohan Kumar. DCPLH is the assignee of Mohan Kumar for the fruit of that debt – an assignment entered into by Ralph as Kumar's POA. DCPLH was also the assignee of Reliance Leasing for a small debt owed by Craig and Bargo at the time of Craig's bankruptcy.
Craig was made bankrupt on 13 December 2018 by a debt owed to Australasian Property Group Pte Ltd ("Australasian"). Craig trustee in bankruptcy is Andy Scott of PWC.
Presently, Craig's debt to Australasian is $2,059,753.46 (as at 31 May 2019). Australasian are yet to recover the alleged debt (as at 31 May 2019) according to published documents.
Craig's creditor's report is available for inspection here.
Categories: Business Finance Blog, Corporate Insolvency Blog, Insolvency blog
Tags: ATO debts, blog, books and records, cashflow, cashflow issues, Corporate insolvency, debts, director's duties, free advice, free business advice, incurring of debts, Insolvency, insolvent trading, introduction, legal concepts, legal questions, liabilities, Liquidation, personal guarantees, Public examination, Windup application
Insolvency in general terms, as it relates to a corporation, is the inability to pay debts as and when they become payable.
A company is also insolvent if it is experiencing an 'endemic shortage of working capital' as opposed to a temporary lack of liquidity.
Determining the difference at a point in time during the corporation's life is a question for a court to determine .
Indicators of insolvency include:
continuing losses,
no access to alternative finance,
the inability to raise further equity,
special arrangements with selected creditors,
solicitors' letters or judgments issued against the company,
overdue taxes,
failure to keep books and records, etc.
The list is indicative and not exhaustive.
Companies experiencing any or all the above indicators should book a free consultation by clicking here then where we'll provide you with company specific advice re insolvency in your instance. Alternatively call us on 1300-327123 (till late) or complete the form below.
Posted on 14 January 2019 28 December 2021 by Mark Smith — Leave a comment
Categories: Case note, Corporate Insolvency Blog, Current projects, Insolvency blog, Law blog, Projects
Tags: 632 Old Northern Rd, APG, Asset Protection, Assignment of chose in action, Assignment of debt, Australasian Property Group, Bargo, Bargo Developments, cause of action estoppel, Champerty & Maintenance, Corporate insolvency, Craig Adams, Creditors Statutory Demand, dispute resolutions, dural, Dural Alliances, estoppel, Golden Arrow, Golden Arrow International Pty Ltd (In liquidation), Ian Jordan, legal concepts, Liquidation, Litigation funding, Lumley Finance, Maya Purushothaman, Mohan Kumar, mortgagee sale, Pacific 8, Public examination, Ralph Ignatius Paligaru, Ralph Paligaru, Receivers, Receivers Liquidators and Administrators, Torrens Assurance Fund, unfair preferences, voidable transactions, Windup application
DCPLH v Bargo Developments Pty Ltd (in liquidation)
The matter involves the liquidation of Bargo Developments Pty Ltd, the liquidator's investigations, any claw-backs of preference payments and/or any uncommercial transactions and more.
The matter also involves litigation in the matter known as Kesinda v Others.
The others in the matter currently are:
Australasian Property Group Pte Ltd (second plaintiff)
Zheng Wei
Mohan Kumar
Lumley Finance and Loans Pty Ltd
EBM Holdings Pty Ltd
DCP Litigation Holdings and
Reliance Leasing
Bargo was the one-time owner of 632 Old Northern Rd, Dural NSW purchased from Mohan Kumar (under POA, executed by Ralph Paligaru).
DCPLH is the assignee of the secured debts of Mohan Kumar, Reliance Leasing, and Ralph Paligaru (owner of Dural Alliances Pty Ltd).
Together DCPLH is owed some $6,000,000+ as assignee of these debts (i.e. the Kumar assigned debt and the Paligaru/Dural Alliances assigned debt).
To discuss this project, litigation funding, Bargo, Craig Adams, Australasian, Ralph Paligaru or others – call anytime on 1300-327123.
To view related blogs, case notes or otherwise, follow the following category links and tags below.
Posted on 14 January 2019 15 March 2021 by Mark Smith — Leave a comment
Categories: Business Blog, Business Finance Blog, Corporate Insolvency Blog, Law blog
Tags: Asset Protection, ATO, ATO debts, Business Asset Protection, cashflow, cashflow issues, Corporate insolvency, Creditors Statutory Demand, director's duties, disputing debts, incurring of debts, legal concepts, legal questions
The Corporations Act 2001 ("the Act") provides for the conducting of business by a corporation in Australia.
Section 459E of the Act provides that a corporation may be served a statutory demand by a creditor (i.e. a creditor's statutory demand) relating to (subsection 1):
(a) a single debt that the company owes to the person, that is due and payable and whose amount is at least the statutory minimum; or
(b) 2 or more debts that the company owes to the person, that are due and payable and whose amounts total at least the statutory minimum.
Once served with such a demand, a company cannot ignore the demand. The most serious of possible consequences for the company are now rolling out. There are no friendly rules or casual arrangements, strict compliance with the demand is necessary by law.
There are further other requirements such as:
(2) The demand:
(a) if it relates to a single debt–must specify the debt and its amount; and
(b) if it relates to 2 or more debts–must specify the total of the amounts of the debts; and
(c) must require the company to pay the amount of the debt, or the total of the amounts of the debts, or to secure or compound for that amount or total to the creditor's reasonable satisfaction, within 21 days after the demand is served on the company; and
(d) must be in writing; and
(e) must be in the prescribed form (if any); and
(f) must be signed by or on behalf of the creditor.
(3) Unless the debt, or each of the debts, is a judgment debt, the demand must be accompanied by an affidavit that:
(a) verifies that the debt, or the total of the amounts of the debts, is due and payable by the company; and
(b) complies with the rules.
The key words above in each of the subsections are the words Must and AND.
The above requirements of the Act's provisions are cumulative. Skip any of the requirements and the consequences for the creditor's demand is that it is potentially defective.
Once a creditor's statutory demand has been served upon a company, several things can happen:
the recipient company pays the debt in full
the company contacts the creditor and they negotiate a settlement
the company applies to have the demand set aside – for instance if there has been a genuine disputing of the debt.
the company does not respond, and the creditor applies to have it wound up
If your company has received a creditor's statutory demand, you have no time to waste. Go straight to our "what to do next blog for further next steps – click here to book a consultation.
Welcome to Business Asset Protection
Posted on 7 August 2018 22 April 2021 by Mark Smith — Leave a comment
Categories: Asset Protection Blog, Blog
Tags: Asset Protection, bankruptcy, Bankruptcy Act 1966, BAP, blog, Business Asset Protection, Corporate insolvency, Glossary, introduction, legal concepts, Personal Asset Protection, Personal Insolvency, PPSA, PPSR
This post launches our blog series where we will discuss a range of topics which are perhaps important to those holding assets, their advisors, mortgage brokers and private lenders and others.
In the coming week/s this blog will discuss:
A range of relevant legal terms including a Glossary and their meaning/s.
Securities in Australian law such as the PPSA, common law and otherwise.
Insolvency – including personal and corporate insolvency.
some case studies.
various legal remedies, and
other related topics.
We welcome your feedback, or if you'd like to submit a question or comment – please complete the form below.
Mark Smith, Director
www.assetprotection.biz


So today is my birthday and I have some exciting news to share. Come this time next year I will have not one, but TWO books published. That's right, MERCURY RISES has found a home at Inkspell Publishing and will be released in 2018.
Beyond excited to share Mercury's story with you. Best birthday gift ever!


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Listen And Chat To Yasmin Boland
Live on Unity Online Radio
Join Yasmin Boland LIVE on Astrology with Yasmin.
We'll talk about the astrology of the week ahead & your chart
Mondays, 11am ET, 8am PT, 4pm GMT and Tuesdays 1am AEST
Astrology with yasmin boland
What do the stars have to say for you? Join internationally renowned astrologer Yasmin Boland for her weekly radio show, Astrology with Yasmin. A journalist turned astrologer, Yasmin has a way of explaining what's going on in the skies and gives you the information you need to plan ahead. The creator of Moonology, Yasmin tunes into the Sun, Moon and planets to decode the mood, prevailing emotions, opportunities arising and the astrological weather overall. Yasmin has been scouring the skies for over fifteen years and is delighted to pass along her expertise to Unity Online Radio listeners. Call in and join the show for a reading! Yasmin will also have some fun guests stopping by to discuss everything astrology and what's happening in the sky. Make plans to tune in!
Listen to yasmin boland
A chakra-clearing chant
Excerpt from Moonology
Deepak Chopra interview
A chant to invoke Lakshmi
Get your chanting hat on!
https://www.yasminboland.com/wp-content/uploads/2018/07/Ganesha-New-Moon_10-Minutes.mp3
Interview with Sarah Prout
https://www.yasminboland.com/wp-content/uploads/2018/11/How-I-Met-Your-Father.mp3
Meet Yasmin Boland
I'm an astrologer, a moonologer and a best-selling Hay House author. For the past two decades I've been mixing astrology with the Divine Feminine, the law of attraction, meditation, sacred, accessible Moon teachings, chakras, chants, angels and more.
My books Moonology, Astrology Made Easy and Angel Astrology 101 have all been published with Hay House, become at least Top 10 amazon astrology best-sellers, and been translated into many languages.
I am dedicated to teaching my readers, my fellow travellers on the spiritual path and my students, how to use astrology as a sort of very sacred mala, to connect with the Divine.
Books by yasmin boland
Did you know the cycles
of the moon have a huge effect on our health, our mood, our relationships, and our work?
Moonology Oracle Cards
Work with the moon's power to gain clarity on your life, make informed decisions, and bring positive change!
The Mercury Retrograde Book
How to use Mercury retrograde to attract new opportunities, by best-selling astrology author.
Your super-easy guide to staying in touch with the New and Full Moons of 2021 and navigating the mad 2021 astrology
MoonologyAudio Book
The audio version of the book Moonology, for those who prefer to listen to their books. Read by Yasmin
Astrology Made Easy
Everything you need to know to find your way around your or anyone else's astrology chart.
Astrology Made Easy Online Course
Learning astrology has never been easier than via this course, which has had rave reviews from students.
Astrology Made Easy eBook
The Mercury Retrograde Audio Book
How to use Mercury retrograde to attract new opportunities, by best-selling astrology author. Read by Yasmin
Perpetual MoonAngel Guide - PDF
Did you know that you can connect with the Archangels every New and Full Moon? Find out how!
Angel Astrology 101
Discover the angels in your birthchart and get help from the angelic realm you didn't know was on offer.
New And Full Moon Info Sheets
Everything you need to know about each New and Full Moon and how it's affecting you.
Praise for yasmin boland
"Yasmin Boland is a powerful and profound guide
in all matters of our deep inner world. She is a masterful
astrologer whose grasp of the celestial influences on the human soul is unsurpassed. Both practical and grounded in her guidance, she offers specific steps to help one fall into alignment with their soul's inherent love toward expansion and growth. Both her written and her personal guidance are invaluable gifts to oneself."
- Sonia Choquette, New New York Times best-selling Author of The Answer Is simple and Trust Your Vibes
"Yasmin is incredible and I am
a huge fan of everything she does."
- Mel Wells, speaker and best-selling author
of The Goddess Revolution
"Yasmin Boland has a gift for making all things moon and astrology make sense! She also happens to be a genuinely, grounded, kind and lovely person. Yasmin is here to translate the messages of the stars and the moon and deliver them in a way that we can use in our life right now. I have her on speed dial. I love Yasmin Boland. She has a special way of making astrology simple."
- Rebecca Campbell, best-selling author of Light Is The New Black and Rise Sister Rise
"Top British astrologer."
- The Mail on Sunday
"Yasmin knows her stuff."
- The late, great UK astrologer extraordinaire, Jonathan Cainer
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what does the cherry emoji mean dirty
Likewise, the aubergine emoji can mean a penis. Often, it is used in its direct meaning in the context of healthy food, Summer, desserts and Cocktails, where it often serves as an ingredient or decoration. Fire. Cherries was approved as part of Unicode 6.0 in 2010 and added to Emoji 1.0 in 2015. 27. Emoji Meaning. But it does to those who are fluent in emoji, the secret language of emoji," said Mike Harris, who tracks down child predators for a living. NZ's favourite emoji revealed Emojis now officially the world's fastest-growing language If someone sends you this, it means they think you're looking sexy. Emoji have quickly risen as a language of the young - but many of them are now taking on dirty hidden meanings. Thanks to Jenna Wortham, Helen Holmes, Lindsey Weber, Melissa Broder, Hannah Cruickshank, Zoe Salditch, and Laia Garcia for suggestions for vagina and period emojis. Copy and Paste All emoji pics from the fantastic emojipedia.org. 27. Hidden meanings "It doesn't mean anything to them. If you can believe it, some people use this to mean … May be used to refer to male or female genitalia. One more meaning is "a prize" or "treat" — it originates from Video Games, where Cherries were sometimes the bonus points. Two rich red cherries with a green leaf and joined at their long stems. However, sometimes it is also used as a compliment or a synonym for "sexy", "beautiful", and "hot". Mailbox.
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We don't know how these companies will react when candidates start to want to submit GRE scores instead, but given that we haven't yet heard of a bank or consulting firm asking for "GMAT or GRE" scores, it's a safe bet to take the GMAT.
If you made it through that gauntlet without a definitive push towards the GMAT, then you've got a tougher decision to make. I'm going to split people into two broad categories here: those who haven't started studying yet (or barely started studying) and those who have been studying for one test for a while and are considering a switch to the other test.
If you're relatively new to all of this, then you'll need to try to assess your strengths and weaknesses based upon how you did on various subjects in school.
Are you better at vocabulary (GRE) or grammar (GMAT)? Do you also think that better area would be easier for you to improve even further?
Are you better at geometry and data interpretation (emphasized more on GRE)? Or are you better at story problems and number theory (such as divisibility, odds and evens, etc.)? The latter is emphasized more on the GMAT.
Do you hate the reading and analysis stuff that shows up on the verbal section? If so, you're stuck: both tests cover reading comprehension and arguments. Both tests also require you to write an essay. On the GRE, you'll actually write two essays. On the GMAT, one essay was replaced with the Integrated Reasoning section (a mix of quant and verbal). This IR section may eventually become a factor in deciding which test to take, but right now, the IR score isn't used much in the admissions process.
Both tests also put you under pretty serious time pressure. Some people like the fact that you can jump around among the questions in one section on the GRE; on the GMAT, you have to answer each question to get to the next one and you can't go back. In practice, you actually won't have time to go back to many (if any!) questions on the GRE, but knowing you have that option can reduce stress during the test—something to consider if you have a history of anxiety during high-pressure tests.
First, you need to figure out whether a switch will be worth the additional cost (time and money). It may just be that you are burned out and could use a break.
Is the current test "fatal" for you in some way that the other test wouldn't be? For example, if you're struggling with vocab, but much better at grammar, then a switch from GRE to GMAT might be wise. If GMAT stories and number theory are driving you crazy, but you actually kind of like geometry and graphs, then maybe you should switch to the GRE.
If, on the other hand, you're struggling most with the reading (passages and arguments), or you aren't a fan of algebra, then switching tests isn't going to do much for you, since both tests cover those topics.
If you do switch, expect to start at a lower level than your scoring level on the current test; after all, you've been studying for a while and made at least some progress. The question is whether the lower starting level is still high enough to mean that you can reasonably lift your score beyond the equivalent scoring level of your current test.
How to tell? Take one week to study for the "other" test. If the "other" test is the GMAT, study data sufficiency, sentence correction, and timing. If the "other" test is the GRE, study quantitative comparisons, the two vocab question types (sentence equivalence and text completions), and timing.
If you just can't decide based upon what we discussed earlier, you can follow a similar path to the one I described in the last section: take two weeks to study, one for each test (and take two practice tests).
If your percentile rankings are within 15 to 20 percentile points, then you don't have a major advantage on one test versus the other. If your percentile rankings differ by more than that, then you might have a major advantage on one test.
You also need to take into account whether you had any major timing problems that might have significantly hurt your score. On any standardized test, timing is a major factor. If you run out of time on one section of one of the tests and don't finish all of the questions, your score will drop (in some cases, quite a lot). This is really just due to messing up the timing, though—not to a fundamental disadvantage on that particular type of test. You have to master timing no matter which test you take.
If the timing was okay on both tests, though, and you see a very large (> 20 percentile point) difference in scores on the quant or verbal sections, then you may want to consider studying for the test on which you earned the higher score.
In later articles, we'll talk about what to do if you decide to switch from the GRE to the GMAT or from the GMAT to the GRE. Until then, happy studying!


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Family Van helps drive medical assistance for communities in need
PBK ELECTS 24 JUNIORS
Twenty-four Harvard juniors were recently elected to Phi Beta Kappa (PBK), the nation's oldest undergraduate honors organization. Their names and concentrations follow:
Adams House: Charles Robert Drummond, history; Samuel Felix Lichtenstein, math; and Alexander William Marcus, economics
Dunster House: Marta Maria Figlerowicz, English, and Ravi Bharat Parikh, psychology
Eliot House: Shira Arkin Mitchell, math
Leverett House: Isha Agarwal, chemical and physical biology and women, gender, and sexuality studies; Marina Fisher, linguistics; Rachel Jennifer Gottlieb, molecular and cellular biology; Matthew Joseph Hall, music and linguistics; Noah Louis Nathan, government; Elissa Leechawengwongs, economics and East Asian studies; and Zeba Almas Syed, religion
Lowell House: Charles Jonathan Redlick, applied mathematics
Mather House: Andrew Clark Miller, social studies, and Malorie Nicole Snider, anthropology
Pforzheimer House: Kevin Michael Jonke, social studies, and Paul Jeffrey Ramirez Leopando, anthropology
Quincy House: Julia Elizabeth Schlozman, history of art and architecture; Tharanga Niroshini Senaratne, biology; and Jimmy Chen Yang, biochemical sciences
Winthrop House: Kyle Adam Mahowald, English; Allison Kate Turbiville, economics; and Lauren Elizabeth Yapp, history
HMS'S NEW FOLKMAN FELLOWSHIP
The Office of the Dean for Academic and Clinical Programs at Harvard Medical School (HMS) has announced a new fellowship available to HMS faculty and postdoctoral students. The LAM Treatment Alliance Folkman Fellowship is dedicated to the late M. Judah Folkman, who initiated the LAM Fellowship specifically for postdoctoral trainees at the School and affiliated hospitals.
A two-year fellowship is available in basic, clinical, or translational research that advances the mission of finding an effective treatment for lymphangioleiomyomatosis (LAM). Candidates are encouraged to draw from their training in pulmonary medicine, cancer biology, endocrinology, molecular biology, biochemical engineering, molecular imaging, and immunology.
The application deadline is May 1. For more information, visit http://medapps.med.harvard.edu/fellowships/LAM08.htmor contact stacy_mcgrath@hms.harvard.edu.
EALS ACCEPTING SUBMISSIONS
The East Asian Legal Studies (EALS) program at Harvard Law School (HLS) is accepting submissions of papers for the Yong K. Kim '95 Memorial Prize. The prize is awarded to the author of the best paper concerning the law or legal history of the nations and peoples of East Asia or concerning issues of law as it pertains to U.S.-East Asia relations. The author should also embody Yong Kim's interest in and enthusiasm for fostering U.S.-East Asian understanding, plan a career that will further advance this understanding, and have made contributions to EALS while a student. The paper can be written in conjunction with a course, seminar, or independent study project at the Law School.
The prize includes a cash award and will be announced at Commencement.
Submissions (two bound or stapled copies) must be received at the EALS office, Pound Hall, Room 426, HLS, by May 2 and should include the student's name, School, class level, e-mail address, and phone number. Contact Juliet Bowler at jbowler@law.harvard.edu with questions.
— Compiled by Andrew Brooks


Those of you worried about my knees will be happy to hear that I visited the doctor yesterday (nurse practioner, actually, the same woman I've seen the last few time's I've been to the "doctor"). I heard what I expected to hear: rest, take heavy duty anti-inflammatories, ice and do physical therapy exercises as long as they don't hurt.
As I told the NP today, the Voltaren was the only stuff that worked. I said, "It was great. I didn't have any pain when I was on it. But they said I couldn't stay on it too long."
Sadly, she did not prescribe it. Instead, I got a scrip for 500mg of naproxen 2x a day and some prilosec to go along with it to protect my stomach. I said, "My stomach never bothered me when I was taking any of that stuff."
She answered, "It doesn't hurt because you're on pain killers." And she wrote the scrip for prilosec.
It's clear that I should not row this week. The NP diagnosed me with tendonitis. That sounds about right.
I want to row. I don't want to hurt myself. I suppose one more week off won't kill me. I said, "What about bike riding?"
The NP gave me a look that said, "NO."
"When I was doing PT before, they had me ride a stationary bike."
She said, "While your knee still hurt?"
But the pain never kept me out of the boat. I stopped running. I used the stair master, the elliptical trainer, the treadmill--but I stopped running outdoors. In the year before the pain started, there was a day when we had to run the stadium. The football stadium. I didn't run every step--I had to walk a few--but I stepped on every single step in that place. Yes, I was proud.
The next year, when the knee was acting up, I asked the sports med doc about running stairs. He said, "That's about the worst thing you could do." The day came for us to run the stadium again. I rode my bike to practice and told the coach I couldn't do it. He wasn't pleased but I said, "This is the one thing the doctor specifically said I shouldn't do." The coach sent me on a really long bike ride and I did as ordered.
Today (ironically?) the two new pair of rowing trou I ordered finally arrived. It will be a while before I wear them. But here they are, ready, waiting. Encouraging me. It will happen.
Grateful for: knowing when to stop.


Repeat this fun princess activity for girls. We have a lot this sort of awesome games for girls. Brand-new Little princess Game titles alike Frozen Coloring Book day-after-day. Be as creative as possible and having fun playing on a new painting game! Browse the pages of a frozen magic book and select your favorite characters. Use all colors to Anna to see happier than ever before to make Elsa or Sven!Awesome, A lot of fun or just Uninteresting is Frozen Coloring Book game for girls simply reveal! The good time using Frozen Coloring Book game is definitely worth sharing.
Play Frozen Coloring Book game making use of mouse. Frozen Coloring Book is a game for girls from Cartoon Games, Coloring Games, design games, Disney Games, Elsa Games, Frozen Games, girl games, Princess Games, Puzzle Games collections. Frozen Coloring Book Rating: 100% with 1 votes. Frozen Coloring Book has been added on July 5, 2015 and you can play it now. Frozen Coloring Book game has been already played 379 times.


This might seem excessively obvious, but it's one of the most critical aspects of downsizing. The first step in moving your large home to a small one is to assess your needs and get rid of anything that doesn't fit. For example, if you've been holding onto old boxes of your children's clothing or toys, consider whether now is the time to give them away or donate them. If there are items of use in there, pull them out and re-appoint them accordingly.
Because purging your items can be difficult, utilize this rule: if you haven't touched it in twelve months, it should go to someone else. This is as true for clothing as it is for household items and accessories. As you begin downsizing, attack your home room-by-room. Pick up every item in the said room and ask yourself if you've used it in the last year. If the answer is no, place it in a donation or throw-away pile. If you're dealing with high-end possessions, consider handing them down to family or friends.
If you're looking for an alternative to throwing away your unneeded items, consider having a garage sale. The perfect way to make some extra money and get rid of unwanted items at the same time, a garage sale is a must-do for anyone who is about to downsize. For best results, get together with your friends or neighbors who also have unwanted items, and hold a multi-family sale. Not only are these larger, but they typically attract a bigger crowd of people.
Next, it's time to evaluate how compatible your furniture is with downsizing. If you're moving from a huge home to a much smaller one, for example, you might have to get rid of some of your items before you can make the move. To get a feel for how the move will affect your home furnishings, measure the square footage of your new space and then measure all your existing furniture.
From there, make a detailed floor plan laying out how all your furniture will fit into the next space. If you spot any problems (the couch won't fit along the living room wall, for example), don't wait until the last minute to start shopping for new items. Instead, get to work now and save yourself the stress and hassle down the road.
By this point, you should have purged your belongings, replaced any furniture that's too large for your new space, and potentially held a garage sale to make some extra cash from your unwanted items. What happens if you still have items you don't want to move, though? If you find yourself in this boat, don't panic. Lots of homeowners go through the same thing. Maybe the things you don't want to move but can't bear to get rid of are family heirlooms or keepsakes. Maybe they're pieces of furniture you know you can't use now, but want to save for the future. No matter what the case may be, getting a storage shed can be a smart solution.
Storage sheds are climate-controlled spaces where you can keep items for the short- or long-term. While the prices of storage sheds vary depending on their size and location, they're typically very affordable. To learn more about your options, contact a local moving or storage company for a quote.
Now that you've gotten rid of and stored the items you don't want and can't move, it's time to start getting organized. As you begin packing, label all your items according to the room they're destined for and the contents of the box. Be sure to group like items in boxes and never to, for example, mix items from the bedroom and the bathroom. Staying organized throughout the downsizing process makes it as simple as possible, and helps cut down on much of the stress you would feel.
These simple tips on how to downsize your home are tried and true. By purging unwanted items, staying organized, and storing the things you don't plan to move, you can downsize in style and simplify your life one box at a time. If you need help with your downsizing process, don't hesitate to contact Colonial Van Lines. We offer free moving quotes and are always here to answer any moving questions you might have.


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Welcome to FrankieScinta.Com!
Frankie Scinta is the heart and soul of his show, The Scintas for over 4 decades. He performs very night like it's his first and last. After appearing on national TV as a child prodigy, Frankie has never looked back. He has been headlining his own show in Las Vegas for over 18 years and is still bringing audiences to their feet nightly.
He has always been a true patriot to Veterans, Law Enforcement and all first responders throughout his career. He pays homage nightly to the men and women of the Armed forces and the ones who served before them.
Frankie Scinta has a new home at the Showroom at South Point
By Brock Radke
He has something similar to that old-school Vegas marriage at his new venue. As of earlier this month, Scinta is performing select dates at the Showroom at the South Point on weekend afternoons, bringing his classic act of music, comedy and more to the south-of-the-Strip resort.
Merry Christmas from the Scintas!
A Scinta Merry Christmas CD!
More Products from Frankie Scinta
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POSTED 1:40 PM, DECEMBER 14, 2018, BY EMMARICEFOX8
https://fox8.com/2018/12/14/chatting-with-frankie-scinta/