The matter of how Tax Agents, particularly tax refund companies has been raised in the media again and the most recent article comes with a warning about how your refund could be paid into their bank account even if you do your own tax return online.
At Savage & Savage we never receive client tax refunds into our account, not even our Trust Account. All client refunds go directly to the client and that is why we ask for your bank account details in our client questionnaire each year. And we most certainly do not take fees from your refund.
It is important you fill in your bank account details on the Client Questionnaire Forms each year as we never assume you haven't changed bank accounts.
You might still have to pay a tax refund company a fee – even if you do your return yourself.
Casey Kaumatule thought she was being sensible and saving money when she decided to take matters into her own hands and do her partner's tax return herself, online.
She opted to do it via the Inland Revenue website rather than paying a tax refund company to handle it.
She spoke to the firm, which agreed to waive the fee it would normally charge to release the money that had been sent to it. Kaumatule said it was her mistake not to have checked the details, but it was still frustrating.
Another woman, Samantha Dallas, was also caught out. She said she was not sure when she had signed up with the tax refund firm, but discovered after she had processed her personal tax statement that they were listed as her tax agents.
People who sign up to have a tax refund company prepare their tax returns usually agree to have those firms act as their tax agents from then on, with their bank accounts set up to process future refund payments.
That means, even if they do their return themselves in future, the agent can end up with the refund.
Consumer NZ spokeswoman Jessica Wilson said it was something her organisation had received complaints about.
Many companies charge a fee to release tax refunds that have been put in their banks accounts in error.
"Problems arise when people aren't aware they're giving the company the authority to act as their tax agent – and it remains so until the arrangement is cancelled," she said.
NZ Tax Refunds, or WooHoo, charges a $25 handling fee in these circumstances.
Managing director Gabrielle Purchas said her firm would automatically push money back to Inland Revenue when a client had not completed the return within its system.
Savvy Tax Agents said it would do the same but would not charge.
An Inland Revenue spokesman said it was clear on its MyIR online service whether a person's account was linked to a tax agent.
"The best advice would be that if you have used a tax refund company in the past then you should check all your details are correct on MyIR before you start applying for a refund yourself.


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text:
Mein Bezirk ist der Titel einer Dokumentations-Sendereihe von Chico Klein und Felix Breisach, die seit 2010 vom ORF ausgestrahlt wird. In jeweils rund einstündigen Folgen werden Aufnahmen aus Wiener Gemeindebezirken, aber auch  österreichischen Landeshauptstädten wie Linz, Graz, Klagenfurt, Salzburg und Innsbruck, gezeigt. Prominente erinnern sich an ihre Kindheits- und Jugendjahre, die sie in ihren Heimatbezirken verbracht haben. Dem Publikum soll auf diese Weise das Leben und die Geschichte dieser Bezirke nähergebracht werden. Regie führen Felix Breisach und Chico Klein, von dem auch die Idee stammt. Produziert wird die Reihe von der Felix Breisach Medienwerkstatt.

Folgen
 2010: Mein Favoriten mit Willi Resetarits, Andreas Vitásek, Roland Düringer, Werner Sobotka, Harald Sicheritz
 2012: Mein Simmering mit Herbert Prohaska, Peter Barthold, Fritz Leitner, Gustl Starek, Michael Seida
 2012: Mein Ottakring mit Karl Hodina, Horst Chmela, Gerhard Zeiler, Thomas Rabitsch, Arik Brauer, Helmuth Lohner, Walter Znenahlik
 2013: Mein Floridsdorf mit Hannes Androsch, Brigitte Ederer, Peter Pacult, Gerald Pichowetz, Erika Pluhar, Franz Wieninger
 2013: Mein Mariahilf mit Pino Barberi, Helmut Brandstätter, Hans Krankl, Michael Schrenk, Angelica Schütz, Harri Stojka
 2014: Meine Donaustadt mit Kurt Bergmann, Rudolf Stohl, Robert Sara, Peter Znenahlik, Christoph Fälbl
 2014: Mein Hernals mit Christine Nöstlinger, Franz Vranitzky, Roland Neuwirth, Ulli Bäer, Herbert Steinböck
 2014: Meine Landstraße mit Ingrid Wendl, Marianne Mendt, Sandra Cervik, Al Cook, Harald Fendrich
 2014: Mein Graz mit Frido Hütter, Thomas Spitzer, Gert Steinbäcker, Aglaia Szyszkowitz
 2015: Meine Wieden mit Elisabeth Brainin, Barbara Rett, Albert Rueprecht, Thomas Raab, Franz Ficala
 2015: Mein Döbling mit Michou Friesz, Ulrike Beimpold, Tini Kainrath, Ernst Molden, Matthias Hengl-Haselbrunner
 2015: Meine Leopoldstadt mit Louie Austen, Lydia Kolarik, Jazz Gitti, Rudi Holdhaus, Richard Lugner, Robert Menasse
 2015: Mein Klagenfurt mit Dagmar Koller, Penny McLean, Dieter Kalt
 2015: Mein Penzing mit Edita Malovcic, Katharina Scholz-Manker, Julia Stemberger, Reinhard Nowak, Hilde Sochor
 2015: Mein Salzburg mit Benita Ferrero-Waldner, Wilhelm Holzbauer, Branko Samarovski, Reinhard Schwabenitzky
 2016: Mein Meidling mit Erika Mottl, Jakob Seeböck, Roman Gregory, Toni Stricker, Georg Danzer (Archivaufnahmen), Theodor "Turl" Wagner
 2016: Meine Brigittenau mit Peter Patzak, Martin Kohlbauer, Helmut Emersberger, Thomas Hojsa, Susanne Brandsteidl, Karl Ratzer, Anton Karas (Archivaufnahmen)
 2016: Mein Hietzing mit Senta Berger, Gabriele Zuna-Kratky, Elizabeth T. Spira, Heinz Fischer
 2016: Mein Linz mit Wolfgang Böck, Mercedes Echerer, Frank Elstner, Peter Huemer, Reinhard Waldenberger, Adolf Blutsch, Helmut Köglberger, Manfred Pichler, Inge Haslinger, Alfred Stadlbauer
 2017: Meine Innere Stadt mit Brigitte Swoboda, Otto Schenk, Paulus Manker, Peter Rapp
 2017: Mein Währing mit Timna Brauer, Gabriele Proy, Franz Bartolomey, Matthias Peschke, Michael Landau, Bernhard Rybar
 2017: Mein Innsbruck mit Andi Knoll, Katharina Straßer, Alice Tumler und Helmut Pechlaner
 2017: Mein Alsergrund mit Sissy Strauss, Erhard Busek, Erwin Steinhauer, Gino Molin-Pradel, Günter Grassl
 2018: Mein Liesing mit Dieter Chmelar, Lotte Ledl, Stephan Paryla-Raky, Michael Edelmoser
 2018: Mein Margareten mit Erwin Lanc, Claudia Kristofics-Binder, Helene Wanne, Harald Pesata
 2018: Meine Josefstadt mit Heinz Zednik, Elna Schaefer-Trauner, Erik Trauner, Christina Hummel
 2018: Mein Neubau mit Susanne Michel, Rudolf John, Heinz Marecek
 2019: Mein Rudolfsheim-Fünfhaus mit Felix Dvorak, Boris Eder, Gertrude Mann, Gottfried Rieck
 2019: Mein Bregenz mit Sabine Haag, Gottfried Bechtold, Céline Roschek
 2019: Mein bestes Wien – Teil 1 mit Ingrid Burkhard, Erwin Steinhauer, Tini Kainrath, Otto Schenk, Thomas Raab, Stefan Weber
 2019: Mein bestes Wien – Teil 2 (Campus WU, Sonnwendviertel, Donauplatte, Seestadt Aspern, Praterauen, Lobau) mit Ernst Molden, Michou Friesz, Otto Schenk, Roland Neuwirth
 2020: Dein Land, mein Land
 2020: Mein Villach
 2021: Mein Eisenstadt, Walter Reicher und Anria Reicher, Die Mayerin, Robert Müntz
 2021: Mein St. Pölten: Maggie Entenfellner, Gunnar Prokop, Christina Gansch
 2022: Mein Bozen: Veronika Riz, Andreas Pfeifer, Martina Schullian

Weblinks

 Mein Bezirk auf Flimmit

Einzelnachweise

Fernsehsendung (Österreich)
ORF (Fernsehen)
Fernsehsendung der 2010er Jahre

redpajama_set_name: RedPajamaWikipedia


I'm sitting here in the warm comfort of a climate-controlled building (thanks to the Columbia River raging through The Dalles dam, chopping up little baby salmon), and I see via the Internet (also thanks to the Columbia River raging through The Dalles dam, chopping up little baby salmon) that it is now below freezing outside. Brrr.
Going online to check the current weather outside is like sending an e-mail to the guy in the cubical 10 feet away. Is this is what they mean when they say the Internet is disconnecting us from reality?
Wow. I feel bad. Excuse me a second.
OK, I'm back. Not wanting to be utterly lazy, I got up and went outside. I can confirm that the Internet is correct. It feels a little colder than usual out.
Fur, people, fur. But not real fur. No.
My most recent cold-snap discovery: a cheap pair of Thinsulate™ mitts over your favorite cycling gloves (that don't actually keep your hands warm below 40 degrees), converts them into Arctic Circle worthy hand coverings.
I find myself looking enviously at my boss' Bar Mitts.
I saw somebody with some of those just the other day. Nice idea.
That winter bike setup is so awesome. Also, is it "snowing" on the blog?
Never mind, just saw the citations post!
← What do bicyclists get traffic citations for?


Monitor files not working proper — .:: GSA SEO & Marketing Forum ::.
Please make sure your side.
SEO Indexer Monitor files not working proper in the latest updation.
just checked it here and all works as it should. Also note that I didn't touch that part for many versions. Latest updates are just about sites I have added/removed.
Sorry really not working in my machine I will sent to my login, I request you plz confirm.


Fraudulent emails continue to circulate in Cayman, and this time the target is the RCIPS.
Today (19 December) police issued a warning about a new suspicious email and this one purports to be from police.
The RCIPS confirms that the email is not from them.
They are cautioning the public to be wary of emails and to not click any link provided within the phony email.
The RCIPS said the links appear to contain a kind of malware, which is a type of virus that can be harmful to your computer and other devices.


On April 14th , jamSthan presents JAM CITY, presenting best acts from the city. STRANGLE will be launching their second album " THE ILLUSION " also ( incase if you dont have the first album ) bonus compilation from first album and second album will be available at the venue. Furthermore, EP And t-shirt of Desperate Mile ; Raw demos and t-shirts of Error will also be available at the venue.


Goldstück is new Business partner for Staff Finder.
Starting in december 2016 Goldstück and the der Online-Recruiter will work together tight. For the new Health Care platform from Staff Finder, Goldstück will work with OdA Santé as a Trainingspartner for Newcomer.


text:
Sitemap > Media > Press releases > First Franco-German Double Degree in Management and Technology
Cooperation of European Business Schools in Paris and Munich:
First Franco-German Double Degree in Management and Technology
International technology-driven companies increasingly search for managers with interdisciplinary skills and intercultural experience. (Photo: Buisiness-Center La Defense, Paris)
The training of future managers in international technology-driven industries is the goal behind a new master's program at the business school HEC Paris and at the School of Management at the Technical University of Munich (TUM). The double degree program is the fruit of last year's agreement between France and Bavaria to further intensify their university cooperation. It follows last year's agreement between Valérie Pécresse, French Minister of Higher Education and Research, and Dr. Wolfgang Heubisch, Bavarian Minister of Sciences, Research and the Arts, to reinforce the links between France and Bavaria in the field of higher education and research.
From September 2011 onwards, students participating in the new two-year master's program will spend one year at HEC Paris and one year at TUM. The students will be prepared for complex leadership challenges through training in technology skill areas such as research, development, production processes as well as in management skill areas such as marketing, communication, and finance. During the program, the students will have the opportunity to undertake one year of internship experience within a company or institution in France, Germany, or a third country.
After successfully completing the program, students will receive both the French Master of Science in Management - Grande École from HEC Paris and the German Master of Science in Management and Technology (WITEC) from TUM.
Upon today's signing of the agreement in Munich, TUM President Prof. Wolfgang A. Herrmann remarked: "Our joint master's program meets the growing need in Europe for excellently trained managers with both interdisciplinary skills and intercultural experience. The excellent reputations of HEC Paris and the Technische Universitaet Muenchen will allow us to attract the best students to the program."
Prof. Bernard Ramanantsoa, Dean of HEC Paris, added: "We are honored to partner with TUM, an internationally renowned university and leader in technology, to offer our students a unique opportunity to access two complementary fields of expertise. At HEC Paris, we are committed to pedagogical innovation and to training the leaders of tomorrow to meet the challenges of a constantly changing world."
A leader in Europe, HEC Paris specializes in management education and research. HEC Paris offers a full, unique range of courses to the leaders of tomorrow: Masters Degrees, MBA, PhD, Executive MBA and Trium Global Executive MBA. Founded in 1881, HEC Paris has a permanent faculty of 109 professors, 4000 students on its campus (40% of whom are international) and over 8,000 managers and executives trained in executive education programs each year.
HEC Paris has been ranked #1 Business School in Europe by the Financial Times for the past five years. www.hec.edu
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redpajama_set_name: RedPajamaCommonCrawl


text:
The Defiance Review
December 25, 2013	Michael	Reviews	0 ★★★★
The Defiance by A.G. Henley
Series: Brilliant Darkness #2
Genres: Dystopia, Young Adult
It hasn't been long since Fennel, a Sightless Groundling, and Peree, her Lofty Keeper, fell in love and learned the truth: the Scourge, and their world, are not what they seem. Fenn and Peree are determined to guide their people to the protected village of Koolkuna, but first they must convince them that everything they believe is a lie. An impossible task, especially when someone seems hell-bent on trying anything--even animal sacrifice and arson--to destroy the couple's new bond and crush the frail truce between the Groundlings and the Lofties. Not everyone wants to uproot their lives in the forest, and those who stay behind will be left terribly vulnerable. Fenn and Peree's resolve to be together, and the constant threat of the Scourge's return, push both groups to the breaking point. Unable to tell friend from foe, Fenn must again decide how much she's willing to sacrifice to ensure the future of the people of the forest. Only this time, the price of peace may be too high to bear.
In the Defiance, Fenn and Peree try to convince their people to leave for Koolkuna, while factions within the two peoples try to prevent that.
I did enjoy continuing along with Fenn and Peree, learning more about them and their world. Several characters really surprised me with the shades of gray. You question their motives, who can be trusted, and who is good and who is bad. Throughout the novel someone is working to sabotage relations between the Groundlings and Lofties. It is a bit of a whodunit, but by the time we find out who it is, it really doesn't matter much anymore.
This novel was much darker than the first one. Fenn and Peree are in real danger throughout the whole novel, and they have a terrible time trying to convince others to come back to Koolkuna with them. Several characters die. Overall, it was just dark and depressing through most of the novel, but there is hope and light in the end. Not as much of a fun read as the first one, but still very well done and in the style of the first novel. Many series I've read and enjoyed in the past typically have some darker sequels (Hunger Games, City of Ember, etc.) so this is not to be unexpected.
Overall I'm glad I read it and ot wrapped up the story nicely. Things are set for the third novel which will no doubt take place away from the two villages we've come to known so far. I'm really looking forward to that.
About A.G. Henley
A.G. Henley is the author of the BRILLIANT DARKNESS series. The first novel in the series, THE SCOURGE, was a finalist for the 2013 Next Generation Indie Book Award.
A.G. is also a clinical psychologist, which means people either tell her their life stories on airplanes, or avoid her at parties when they've had too much to drink. Neither of which she minds. When she's not writing fiction or shrinking heads, she can be found herding her children and their scruffy dog, Guapo, to various activities while trying to remember whatever she's inevitably forgotten to tell her husband. She lives in Denver, Colorado.
By A.G. Henley
Review of The Fire Sisters by A.G. Henley
Review of The Gatherer
The Scourge by A.G. Henley
The Scourge (YA dystopia) Review
Review of Supernova (Renegades)
Review of Return of the Temujai (Brotherband)
Review of Rebelborn
Review of The Fifth Doll


Dr. Gross grew up in Bennington, KS, and currently resides in Salina. He earned his Bachelor's Degree in Biology from Kansas State, then attended UMKC School of Dentistry for his Doctorate degree. He says the dental profession has been an ideal fit for his interests and talent. "Dentistry is a wonderful hands-on health profession where I can diagnose, solve problems, and deliver solutions for my patients. It's an amazing feeling when patients see their new smile for the first time, or experience the ability to eat their favorite foods again as the outcome of a wonderfully restored bite from dental implants."
Dr. Guy was inducted into Dental Hall of Fame in 2018. He has been teaching Dental Implant surgery courses to other dentists since 2014, in addition to teaching courses on 3D Imaging, Communication Skills, Practice Management, and more.
When he's not serving patients and solving dental problems, Dr. Gross can be found at home with his wife of 20 years, Kate, and the couple's 3 children (2 boys and a girl). He volunteers for AMBUCs and Smiles for Life, coaches football, basketball, and baseball, and enjoys watching sports or just playing outdoors with his family and friends. Given a year to do anything, Dr. Gross says he would travel the world with his family, starting with Europe, then working toward places like Australia, South America, and Africa and spending at least a month in each place.


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Question answered by Charleston roofing company Lowcountry Roofing: Are roofing contractors required to purchase workmen's compensation insurance?
There was a time when employers who had fewer than three employees did not need to purchase this type of insurance. However, now they are required by law to do so. If a contractor does work without having the proper insurance and one of their employees gets injured, the owner may be liable to cover injuries that were sustained on their property. Prior to hiring a roofing contractor, homeowners need to make sure that they have the proper insurance.
Having a roof collapse can be a traumatic, expensive and dangerous experience. Charleston roofing professionals encourage homeowners to do periodic inspections to identify any warning signs that a roof may be on the verge of a collapse.
There are many visual indicators of impending roof collapse. When a person looks at a building, they will see that it has very straight and very clean lines. When a sagging roof is noticeable from indoors or outdoors, this is an indication that the weight of the roof is more than what the rafters can support. Other visual clues will include sprinkler heads that have been pushed all the way down below the ceiling. Pipes and tubes that run along the ceiling may start to warp or to bend as the shape of the home's frame changes under the weight of the roof.
Doors and windows may also give telltale signs of an impending roof collapse. Doors that open on their own or doors that are difficult to close may be signs that the home's frame has begun to warp under the weight of the roof. When this happens, it is possible that windows may become difficult to open and close as well.
There are audible warnings that a roof may be at the point of giving way. While it is normal for both new and older homes to creak and crack, if the popping sounds or the cracking sounds increase in frequency and in loudness when there is snow or other weight on the roof this is an indication that the building structure is under excessive stress.
Homeowners should immediately vacate their home if any part of their roof cracks or breaks. The same steps should be taken if windows inexplicably become impossible to open or they begin to shatter. If cracking or popping sounds from the home's structure become very loud or very frequent, vacate the building immediately.
In most cases, a roof collapse is caused by excessive debris or snow accumulation on the roof. In areas where heavy snowfall is common, homeowners may wish to purchase a snow rake that will allow them to remove a large portion of the snow buildup before warning signs appear. Homeowners should remember that snow rakes are metal, and so if they contact a power line, they will conduct electricity. It is recommended that homeowners attempting to remove snow from their roof avoid using ladders. If a homeowner feels uncomfortable working on the roof, it is best to call a roofing contractor or a professional snow removal service.


text:
Аналіз чутливості () полягає в оцінці впливу зміни вихідних параметрів проєкту на його кінцеві характеристики, зазвичай, на внутрішню норму прибутку або NPV. Техніка проведення аналізу чутливості полягає у зміні вибраних параметрів в певних межах, за умови, що інші параметри залишаються незмінними. Чим більше діапазон варіації параметрів, при якому NPV або норма прибутку залишається позитивною величиною, тим стійкіше проєкт.

Аналіз чутливості проєкту дозволяє оцінити, як змінюються результуючі показники реалізації проєкту при різних значеннях заданих змінних, необхідних для розрахунку. Цей вид аналізу дозволяє визначити найбільш критичні змінні, які найбільшою мірою можуть вплинути на здійсненність і ефективність проєкту.

За варійовані вихідні змінні приймають:

 обсяг продаж;
 ціна за одиницю продукції;
 інвестиційні витрати або їх складові;
 графік будівництва;
 операційні витрати або їх складові;
 термін затримок платежів:
 рівень інфляції;
 відсоток за позиками, ставку дисконту та інш.

Результуючими показниками реалізації проєкту можуть виступати:

показники ефективності (чистий дисконтований дохід, внутрішня норма прибутковості, індекс прибутковості, термін окупності, рентабельність інвестицій), щорічні показники проєкту (балансовий прибуток, чистий прибуток, сальдо накопичених реальних грошей).

При відносному аналізі чутливості порівнюється відносний вплив вихідних змінних (при їх зміні на фіксовану величину, наприклад, на 10 %) на результуючі показники проєкту. Цей аналіз дозволяє визначити найбільш істотні для проєкту вихідні змінні; їх зміна повинна контролюватися в першу чергу.

Абсолютний аналіз чутливості дозволяє визначити чисельне відхилення результуючих показників при зміні значень вихідних змінних. Значення змінних, що відповідають нульовим значенням результуючих показників, відповідають розглянутим вище показниками граничного рівня.

Результати аналізу чутливості наводяться в табличній або графічній формах. Остання є більш наочною і повинна застосовуватися у презентаційних цілях.

Недолік методу: не завжди аналіз чутливості правомірний тому зміна однієї змінної, необхідної для розрахунку може спричинити зміну іншої, а цей метод однофакторний.

Аналіз сценаріїв розвитку проєкту

 Аналіз сценаріїв розвитку проєкту дозволяє оцінити вплив на проєкт можливого одночасного зміни декількох змінних через ймовірність кожного сценарію. Цей вид аналізу може виконуватися як за допомогою електронних таблиць (наприклад, Microsoft Excel), так і з застосуванням спеціальних комп'ютерних програм, що дозволяють використовувати методи імітаційного моделювання.

У першому випадку формуються 3-5 сценаріїв розвитку проєкту. Кожному сценарієм повинні відповідати:

 набір значень вихідних змінних,
 розраховані значення результуючих показників,
 деяка можливість настання даного сценарію, обумовлена експертному шляхом.

 У результаті розрахунку визначаються середні (з урахуванням ймовірності настання кожного сценарію) значення результуючих показників.

Згідно з міжнародними стандартами бізнес-планування є невід'ємною частиною бізнес-планів.

Посилання
 Бізнес план: приклади бізнес планів
 Енциклопедія економіки. Бізнес-план

Див. також
 Показники фінансового стану підприємства

Бізнес
Планування
Підготовка виробництва
Керування проєктами


text:
MAYWEATHER AND MCGREGOR KNOCKED OUT BY THE SHOWSTOPPER
Shawn Valentino, Los Angeles author and media personality has released a hilarious satirical video of the dream match between Floyd Mayweather versus Conor McGregor in Las Vegas. It has gained a huge online viewership eager to see the two combatants get knocked out by the self-styled international playboy who was the subject of a Vice Media documentary, The Showstopper: The Next Hugh Hefner.
The satirical spin on the dream match showcases Mayweather and McGregor knocked out in Las Vegas by Shawn Valentino and an entourage of beautiful bikini models. The Showstopper is currently the host of popular YouTube shows, The Red Carpet Movie Review and The Pro Wrestling Top 5. The media personality has been interviewed on numerous major talk shows including The Tyra Banks Show and the Dr. Phil Show. He also showcased his daredevil skills in Fear Factor.
Shawn Valentino is the author of The Showstopper Lifestyle, and he is a regular guest at Playboy Mansion. The self-help book, which encourages its readers to live their fantasy, can be accessed on Amazon and Barnes & Noble.
The video went viral on Facebook with over a million views in the first day and is gaining popularity on YouTube as well. Valentino acknowledges the fact that both "Floyd Mayweather and Conor McGregor are not just great fighters, but like pro wrestlers, they are also promoters of their brand." This fact is drawn from the experience of Shawn Valentino, who spent years promoting his playboy lifestyle and who is also a columnist for the Pro Wrestling Torch. The emotional response to the video was unanticipated. "I've had hundreds of fans both praising me and challenging me as after watching the clip."
The video can be found on YouTube via the link shown below;
https://www.youtube.com/watch?v=p7AQnkk537Q
Shawn Valentino can also be reached on social media through his Twitter and Instagram handles provided below;
Instagram: Shawnvalentino
Twitter: Shawnvalentino
Company Name: Showstopper Lifestyle Publishing
Contact Person: Shawn Valentino
Email: ShawnValentino@showstopperlifestyle.com
Website: showstoppershawnvalentino.com
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Cultural diary
Culture at home
Routes and visits
More culture
Recommend Yourself
Culture TV
Data inici
Saturday, 9 January 2021
Data fi
Special closing dates
Diurnal tours: Wednesdays and Saturdays, at 10.30 am, 11.30 am and 12.30 pm.
Night tours: Saturdays, at 8 pm.
Royal Academy of Medicine of Catalonia
The history of the Royal Academy of Medicine of Catalonia
With these visits, you will be able to discover the building of this headquarters, one of the most important ones in Barcelona.
The company Sternalia invites you to discover the interior of the headquarters of the Royal Academy of Medicine of Catalonia (RAMC), a neoclassical building that had previously been the headquarters of the 'Real Colegio de Cirugía de Barcelona' and later, the Faculty of Medicine. You can learn about the history behind the rooms of the building, such as the spectacular anatomical amphitheatre where surgeons were trained, which was built by Ventura Rodriguez. Pere Virgili, Antoni de Gimbernat and Santiago Ramon y Cajal are other names that are also part of the history of the RAMC that you will discover in these visits.
On January 9, 2021, guided tours at the centre will start, which you will find in two modes: on Wednesday and Saturday there will be diurnal tours, at 10.30 am, 11.30 am and 12.30 pm, lasting 50 minutes and in various languages. On the other hand, on Saturday evenings there will be night tours, which will start at 8 pm and will include a mentalism show.
Diurnal tours cost 8 euros, while night tours cost 20 euros. In the first case, you can reserve your place by calling 933 210 125 or sending an email to reservas@sternalia.com, but also through the calendar on the website. In the case of night tours, you can only do so by phone or email. The information is detailed here.
Publication date: Monday, 04 January 2021
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Institut de Cultura de Barcelona


There comes a time when the views on the economy by the various experts become completely divergent and existing techniques to understand the economy's direction no longer make sense.
That time is now as we are looking at what some people call a fork in the road toward extremes - a deflationary spiral or a hyperinflation. Getting this right for the Fed will be critical.
At stake in the debate: Whether the central bank can steer a course that avoids repeating past policy errors. In 1936, policy makers prolonged the Depression by raising borrowing costs before a recovery was entrenched. In the 1970s, inflation soared when they held off on rate increases.
For example when it comes to the Taylor Rule, there is no shortage of diverging views, including Taylor himself. The rule as interpreted by many shows that the current Fed policy is NOT accommodative enough: Fed funds at 0-25 bp is too tight.
At the San Francisco Fed, researchers did similar calculations and found the Taylor rule would call for the equivalent of a negative 5 percent funds rate by the end of this year.
Jan Hatzius, the chief U.S. economist at Goldman Sachs in New York, is particularly pessimistic. His projections show policy makers should plan for policies equivalent to a fed funds rate of negative 9 percent by December.
Negative 9%? Ouch. It's probably time to look for alternative measures to be able to interpret the economic signals. For many market practitioners, one place to look is in the capital markets directly.
The chart shows how inflation expectations changed form positive to zero or even negative after Lehman collapse, and now back to positive.
Now let's define a measure called Market Based Real Rate (MBRR).
This is a market practitioner's measure of the real interest rate (vs. nominal rate). Normally one would use the Fed funds effective rate and subtract CPI from it, but CPI tends to be a lagging and infrequently measured indicator. So instead we are subtracting the inflation expectation (IE) that we extract from TIPS yield.
MBRR has been at about -1.5%, which based on history seems fairly accommodative.
One might argue that it's different this time. Credit is in such poor shape, that even at -1.5% real rate may be restrictive. But remember that this is using the market expectation of inflation, and the market is pricing in some positive inflation. The market already takes into account the expected credit conditions and how they will translate into inflation. So when we compare now to 2002-2003, it's a fair comparison. The market is telling us we are not too restrictive, and in fact we have a very accommodating Fed. Maybe we have more stimulus than we need?
So what does this mean for asset levels? Let's compare MBRR to equity levels.
The asset bubble formation started in 2003 as stimulus of 2001-2002 took effect and continued to grow even as the Fed tried to take the stimulus away. The policy was too loose for too long. What the chart above is implying is that we are entering that phase again, and if the Fed doesn't act in a timely manner (see James Bullard's lonely battle), the fork on the road may lead us onto the inflationary path - at least with respect to asset inflation.


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Mystery, Thriller & Suspense Books > Thrillers
Eye of the Whale
by Douglas Carlton Abrams
Filled with "breathtaking scenes" and "vivid" ( Publishers Weekly ) imagery, national bestselling author Douglas Carlton Abrams's riveting ecological thriller blends shockingly true facts with a powerful narrative that pulls readers into a dangerous race through a majestic and mysterious world. Dedicated scientist Elizabeth McKay has spent almost a decade cracking the code of humpback whale communication. Their song, the most complex in nature, may...
Read Full Overview
Release Date:September 2010
Publisher:Washington Square Press
Contemporary Fiction Literature & Fiction Mystery Mystery, Thriller & Suspense Thrillers
Abram's book, The Eye of the Whale is a magnificent page-turner. I was right there, rolling on the waves of the ocean drawn from one thrilling episode to the next. For those who are awed by the majesty of the sea, who feel a sense of responsibility to protect the earth's fragile web of life, and those with a deep appreciation of well crafted literature, it's a must read. His book offers a courageous look at one of the biggest challenges of our time. Well done! Linda Bloom, co-author of Secrets of Great Marriages and 101 Things I Wish I Knew When I Got Married.
I stayed up too late reading this
I could not go to sleep until I learned what happened to the whale and to Elizabeth, and it was worth the lost sleep. Eye of the Whale is terrific, dramatic, timely, scientifically accurate, and an important novel. It's about a whale who is stranded, but it's also about our oceans, our health, our children, the whaling industry and more. Read the acknowledgments and learn how the science behind the writing is spot on, informed by experts in the fields of whaling, oceans, toxins, etc. Amazing how Abrams got so much science into a great story, and how I - an English major and science phobe - enjoyed reading it.
A Beautiful and Thrilling Read
I wasn't prepared for a story so moving when I first picked up EYE OF THE WHALE: A NOVEL by Douglas Carlton Abrams. The premise of the book sounded good and I had a feeling that it would be interesting, but I certainly wasn't expecting something that would invade my dreams and keep me up at night! EYE OF THE WHALE was a great story about humans and our interaction with the world we live in. I would recommend it to anyone looking for a book that will really engage you and make you think. Elizabeth is our main heroine in EYE OF THE WHALE. She is a marine biologist and spends a good deal of her time studying humpback whales and more specifically their songs in relation to their behavior. In fact, she spends so much time with her beloved whales that her marriage is falling apart. Desperately wanting to keep her husband Frank by her side, she tries to find a way stay active in both her marriage and her research. When she suddenly discovers that the whale song is changing however, she finds herself drawn down into a mystery that could involve not only the survival of the whales, but also of the human race. I thought EYE OF THE WHALE was unique and captivating. Throughout the story we follow Elizabeth, Frank, other whale researchers, whalers, and even a Japanese corporation looking to promote whaling and liven up the whale market. While Abrams does write the story with a "save the whales" attitude, it also seemed like he gave us a fairly authentic look into the lives and reasoning behind those who hunt whales. I think that creating a book that was not entirely one-sided in its detail actually encouraged the story to grow and made it more realistic. One of the main things that had me hooked on EYE OF THE WHALE was how Abrams brought the whales to life. There are sections of the book where we actually become the whales and see the world through their eyes. While the story didn't necessarily incorporate the element of magic, I think that becoming one with the whales and taking a peek into their minds did add that magical touch to the book. It allowed the reader to view things not only from the human side, but also from under the water where the world is completely different. EYE OF THE WHALE is a wonderfully complex and deep tale. I've discovered that often, when a story becomes this involved, the character development might suffer. In my opinion that is not the case here. Each character was wonderfully developed, creating additional depth in the story and rounding it out nicely. Outside of the main plot, we get to learn each main character's hopes and dreams, the motivation behind their actions, and what has helped to shape them into the person that they are. Great characters really help to make a book real and keep me engaged; Abrams aced this. Lastly, for me, the mark of a truly great author is the ability to draw an emotion out of me simply with some words set on a piece of paper. There were times when the tension in the book had me on the edge of
Elizabeth McKay is a Marine Biologist who is working on completing her PHD with a thesis of deciphering humpback whale communication. These whales' song, the most complex in nature, may in fact reveal secrets about the animal world that no one could have imagined. When a humpback whale makes its way up the Sacramento River with an unprecedented song, it is up to Elizabeth to save the whale - but little did she know the price of her endeavor. For as the story of the whale starts capturing the media's attention - it also lands her in danger from forces that do not want the whale's secrets revealed - that not only threaten her career and marriage - but her life. Mr. Abrams has really done his homework on this one. I was captivated by this eco-thriller right from the start. Not only are the environmental issues mentioned in the story real - but there is just so much useful information within its pages - that I actually found it to be an educational tool. It really makes you think about our environment and makes you ponder what more can be done to protect our planet and everything in it. I liked Elizabeth a lot - she was such a great heroine. And I just couldn't help falling in love with the whale as well. There was action that had me on the edge of my seat. This is great for anyone who likes reading about the environment and the issues that our ecosystem faces. This is one that will definitely stay with you long after you are done with it.
action-packed eco-thriller
Scientist Elizabeth McKay's basic hypothesis is that if we can understand the complicated songs of the humpback whales, we will geometrically improve our comprehension of the animal kingdom. Her Research turns into an obsession that devastates her marriage and costs her friends who believe she breathes solely to prove her theory. However, she finds her on site work disturbed by whaling interests. Business and fishing interests push to hunt whales and begin a marketing campaign to turn the watery mammal's whale meat into an acceptable delicacy. When a humpback becomes endangered by swimming up the Sacramento River, McKay notices the song changed making her wonder what's going on; dramatically she concludes the whales are mourning the loss of clean oceans as human pollution has led to birth defects. This action-packed eco-thriller contains an intriguing premise in which the whales warn humans through their songs that the oceans needed for life to thrive are dying. However, the cautionary warning at times is like a tsunami overwhelming its own message. Still overall this is a fun tale that pays homage to the movie Star trek IV although only Elizabeth and the whale in the Sacramento River are fully developed. Fans will enjoy Douglas Carlton Abrams' entertaining EYE OF THE WHALE as the humpbacks alert the human scientist that the end of days is upon us as they sing their version of Marvin Gaye's still fresh and even more relevant Mercy, Mercy Me The Ecology Song. Harriet Klausner


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Welcome to the WA Drug Trafficking article page.
Everything you need to know about Drug Trafficking according to WA Law.
What the Law states according to WA Law for Drug Trafficking
According to WA Law for the charge of Drug Trafficking,
Section 32A: If a person is convicted of-
(a) a serious drug offence and has, during the last 10 years, been convicted of 2 or
more serious drug offences or external serious drug offences; or
(b) a serious drug offence in respect of a quantity of drugs or plants which is above the
quantity listed in Schedule VII or VIII of the Misuse of Drugs Act, an application
may be made to the Court to have that person declared a drug trafficker.
"Serious drug offence" means a conviction under Section 6(1), 7(1), 33(1)(a) or 33(2)(a) of the Misuse of Drugs Act.
The application must be made within 6 months from the day of conviction.
The Maximum Penalty – Drug Trafficking
Where a person is declared a drug trafficker, they firstly face the penalty for the offence which caused the declaration (usually an offence of possession of drugs or prohibited plants with intent to sell or supply).
Where a declaration is made under Section 32A of the Misuse of Drugs Act, section 8 of the Criminal Property Confiscation Act 2000 (WA) is triggered. Where this occurs, all property owned by the person at the time of the declaration and all property given away before or after the declaration can be confiscated.
What the Police must prove according to WA Law for Drug Trafficking
That the accused person has either:
Been convicted of 3 serious or external serious drug offences in the last 10 years; or
Been convicted of a serious drug offence by being in possession of, or attempting or conspiring to possess a quantity of drugs above the amounts listed in Schedule VII and Schedule VIII of the Misue of Drugs Act.
Possible Defences under WA Law – Drug Trafficking
As a declaration of drug trafficking is a consequence of crime and not a crime in itself, there are no defences. However, a declaration can be appealed.
In WA which court will hear the matter – Drug Trafficking
A declaration can be made by the Magistrates Court, the District Court or the Supreme Court.


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Council unveils plaque in Elm Park road named after Hornchurch war hero that has been misspelt for more than 50 years
Liam Coleman
The unveiling of a plaque for war hero John Freeborn in Freeborne Gardens. - Credit: Archant
After more than 50 years the misspelt road has been honoured by the council.
Havering Council has unveiled a plaque commemorating a heroic Second World War pilot who had an Elm Park road named in his honour – after it was pointed out his name had been spelt wrong on road signs for 50 years.
John Connell Freeborn was a decorated Spitfire pilot in 74 Squadron, stationed at Hornchurch, and carried out more flying hours than any other airman during The Battle of Britain.
Following the war, Freeborne Gardens in Elm Park was named after him.
However it has always been incorrectly spelt.
Havering Council has been made aware of this mistake and last Thursday (October 25) veterans, members of the council and members of John's family unveiled a commemorative plaque to mark his achievements.
John's great niece, Amy Freeborn, moved to Rainham a year ago, and when she was coming home on the bus one night she noticed the stop called Freeborne Gardens, and thought it couldn't just be a coincidence.
After carrying out her own research she found that the road was named after John and contacted the council to see if it would consider changing the spelling.
However it could only be changed if residents agreed unanimously to do so.
After consulting those affected it was agreed that the best way to honour John would be to put a plaque in the street.
Last Thursday, in Freeborne Gardens, John's great niece along with MP John Cruddas and Councillor Barry Mugglestone unveiled the plaque.
Speaking at the unveiling Amy said her great uncle would be "chuffed" to see what they had achieved.
She said: "He was an incredible pilot and enjoyed an eventful RAF career.
"Us Freeborns are used to people spelling our surnames incorrectly.
"But the error in the naming of this street was more substantial than most.
"I'm really pleased it's being rectified, and my uncle John's contribution is being recognised, and I'm extremely thankful to the council for making this happen."
MP John Cruddas said: "Its not very often you get the opportunity to acknowledge a local and national war hero and patron.
"It's a lovely acknowledgement of the sacrifices that people have made so that we can live with the freedoms that we have.
"A little story about one letter speaks volumes about previous generations."
There were also speeches from John Watson, deputy chairman of the Elm Park Royal British Legion, and prayers and comments from leaders of Elm Park Baptist Church.
The story of John Freeborn
John's first taste of war was when he was 19 and he signed up to the RAF.
Three days in he was involved in the famous Battle of Barking Creek – where he accidentally shot down a British pilot but was later absolved of any blame.
He went on to become a flying ace, and a true war hero, as he was awarded a DFC (Distinguished Flying Cross) for acts of valour, courage or devotion to duty whilst flying in active operations against the enemy; a requirement of which was at least six confirmed kills.
In 1941 he received his second DFC, awarded as a bar to the ribbon of existing medal holders, for having killed at least 12 enemies.
According to his great niece, Amy Freeborn, he was skilled enough to fly solo after half the average training time, and his accuracy while firing in flight was twice as good as most pilots.
There are a number of other roads in Elm Park with war references including Coltishall Road (after the RAF station), and Adnams Walk, Beaumont Walk, Broadhurst Walk and Robinson Close all named after veterans.
By the end of the war, John amassed more than 13 confirmed kills (25 unconfirmed) and had flown more operational hours than any other pilot in the Battle of Britain.
He retired from the RAF in 1946, having been made a flight commander in 1940, and a wing commander (of Squadron 118) in 1943.
He died in 2010 aged 90.
John Freeborn and his mum, Jean Freeborn outside of Buckingham Palace in 1940 after receiving his DFC medal. Photo: Amy Freeborn - Credit: Amy Freeborn
John Freeborn outside of Buckingham Palace in 1940 after receiving his Distinguished Flying Cross medal. Photo: Amy Freeborn - Credit: Amy Freeborn
John Freeborn - Credit: Archant


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my mum has MS, had it for 20+ years, her younger brother was also diagnosed with MS and sadly we lost him earlier this year, just shy of his 42 birthday.
It takes about 15-20mins but I liked the questions as they all seemed very relevant. Enjoy!
Hi david and welcome. Thanks for the link.
yes if it can be said MS has a ripple effect then my son and I are the first ring in that ripple. Hubby has MS and it effects us all every day.
Welcome to the forum scattybrain, and what a name!
Interesting point about the ripple effect. This can probably stand for quite a few conditions. Maybe a nice topic to start in the 'General Discussion' section.
My oh has MS, but we both suffer from it!
I agree with Bertiebear, the ripple affect is pertinent to lots of us. I care for S and his autism - both our lives are affected daily by autism.
yes indeed i have caring for my husband with ms you poor thing having to deal with it twice,not coping so well at moment, trying to sort out more help so that i can actually have a day off. are you getting any help?
I suffer from relapsing remitting MS and I was diagnosed on 31 October 2001, I had a few relapses, but in 2005 I had a drug called Campath 1H, this drug has not been passed by the government yet so I was a guinea pig, trying it to see if it worked, It's a three yearly dose, my 1st dose was in 2005 I was in hospital for five days and had a canula fitted and the drug was put through in a drip, every day for the five days, I had to drink 4 litres of water in 3 hours every day.
Here are the side affects - flu like symptoms, a 30% chance of having thyroid problems, and a 1% chance of having cancer of the lymph nodes.
The 1% chance of having cancer of the lymph nodes held me back when I was first offered the drug, till I was told 1 in 3 people get some form of cancer anyway with or without the drug ( don't mean to scare anyone with that comment, it's just what I was told) so I went ahead and decided to give it a go.
I was given steroids through the drip then the Campath, this made me feel like I had a bad case of flu but only lasted a couple of days, plus I was backwards and forwards to and from the toilet cos I was drinking so much water so quickly.
They told me I was all fine and didn't need the third dose, but in august 2010 called me in for an MRI scan which showed that a had another new lesion in my brain and I needed my 3rd dose of Campath, so I went in for 4 days but only had Campath for 3 days, but this time when I came out I somehow didn't feel like a new woman, my legs were weaker and I began to struggle with my walking.
Although I can still walk; I need help when I'm out and about and usually rick holds my hand to stop me from falling over, or sometimes I use a walking stick, I also have a mobility scooter which I can use If I need to, but Usually when we go to the beach I walk as the scooter will not fit in the car with the dog in the car too. so I'm still on my feet.
I have a possible under-active thyroid which is being checked out at the moment, but I have also put on a lot of weight which I cannot loose. (something an under-active thyroid would cause) I want to loose the weight because I want to stay on my feet and I don't want my weight to take me off my feet, If they sort out my thyroid so I can loose weight, I will be happy, at the moment being 16 stone doesn't suit me. I prefer the slimmer me. I was 10 stone in October 2010 and that's what I want to go back to.
So the Campath stopped the relapses; but made other things in life slightly more difficult.
Hi we have been together for 17 years now and I too care for my wife she has had MS for 7 to 8 years and this year we finally got married, before we travelled around enjoyed life she ran her own music company, then she was DN with MS and to present day she is confined to bed and chair. with no speech plus a few other problems we have good support from district nurses and carers that come and see her for bowel and bladder management.
Before we knew anything we would generally try to sort it out ourselves but soon realised its pretty hard to do and my health started to suffer.
One thing I do remember being told was at some time the person with MS might forget what is wrong and forget who you are so it's family/close friends that continue the suffering so be sure to get as much help as possible.


text:
Kenya: Acute Malnutrition Reported in Drought Affected Areas
No Comments on Kenya: Acute Malnutrition Reported in Drought Affected Areas
Nairobi — The National Drought Management Authority (NDMA) has reported that the sustained drought situation in the 23 Arid and Semi-Arid Lands (ASALs) has seen increased risk of acute malnutrition and humanitarian assistance.
The authority noted that the number of people in need of humanitarian aid has risen to about 4 million with hospitals in those areas recording more cases of treatment offered to expectant mothers and children who are malnourished.
"The impact of the sustained drought situation has seen the number of people requiring humanitarian assistance stand at 4.35 million. Risks of Acute malnutrition continue to be reported in ASAL counties where 942,000 cases of children aged 6-59 months and 134,000 cases of pregnant or lactating women acutely malnourished continue to access treatment," read part of the statement.
According to the report, the persistent drought situation in the country has been attributed to constant failed and delayed rain in four consecutive seasons in most parts of the affected areas.
The report dated December 2022, also noted that the drought situation deteriorated in about 13 counties including Taita Taveta, Kilifi and Isiolo leaving Laikipia as the only county that improved to alert phase in the month of November.
"Only the county of Laikipia slightly improved to Alert phase leaving Thirteen (13) counties namely; Taita Taveta, Isiolo, Kilifi, Kwale, Samburu, Turkana, Wajir, Kitui, Kajiado, Mandera, Garissa, Tana River and Marsabit are in Alarm drought phase."
Some counties such as Narok and Makueni had however recorded an improvement from an initial alarm drought phase to a normal drought phase with the slight reported rains expected to completely reverse the current drought situation in the mentioned areas.
"Seven (7) counties including; Narok, Tharaka Nithi, Makueni, Nyeri, Meru and Laikipia are in the Alert drought phase. The remaining three (3) counties including Baringo, West Pokot and Lamu are in Normal drought phase," the report read in part.
The report comes when the government is keen on providing intergovernmental leadership, coordination and help on drought affected areas through donations to mitigate the situation.
President William Ruto also appointed a 14-member Drought Response Committee headed by Safaricom Chief Executive Officer (CEO) Peter Ndegwa to help cushion drought in the country.
Other measures that the government has taken include providing a pay bill number asking Kenyans of good will to contribute their cash to the appeal fund to assist those affected by the ongoing drought.
A resolution was also reached during the third Cabinet meeting chaired by President Ruto that saw Cabinet Secretaries forgo their one-month salary to drought.
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