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In the first round of the World Blitz Championship in Riyadh Magnus Carlsen played Ernesto Inarkiev and the game ended strangely.
[StartPly "53"]
[Event "World Blitz Championship"]
[Site "Riyadh KSA"]
[Round "1"]
[White "Magnus Carlsen"]
[Black "Ernesto Inarkiev"]
1. e4 c5 2. a3 Nc6 3. b4 cxb4 4. axb4 Nxb4 5. d4 d5 6. c3 Nc6 7. exd5 Qxd5 8. Na3 Bf5 9. Nb5 Rc8 10. Nxa7 Nxa7 11. Rxa7 e5 12. Nf3 exd4 13. Nxd4 Bd7 14. Nb5 Qxd1+ 15. Kxd1 Bc6 16. Bd3 Bc5 17. Re1+ Ne7 18. Ba3 Bxa3 19. Rxa3 Rd8 20. Nd4 Kd7 21. Ra7 Rhe8 22. Kc2 Kc7 23. Rb1 Rb8 24. f3 Nd5 25. Nxc6 Kxc6 26. Bb5+ Kb6 27. Rxb7+ Ne3+?? {An illegal move by Inarkiev; he leaves his King in check} 28. Kd3?! {Carlsen plays on; Inarkiev now calls an arbiter}
As can be seen above, after Carlsen played 27 Rxb7+, Inarkiev made the illegal move 27...Ne3+, leaving his own king in check. At this point Carlsen could have claimed a win because of an illegal move, however he played 28 Kd3.
At this point Inarkiev called an arbiter and claimed a win because Carlsen made an illegal move.
As far as I read the arbiter first ruled in favour of Inarkiev. Later it was offered to continue the game from the position before the illegal move on the board, i.e. after 28. Kd3 (which was lost for black), which Inarkiev declined, after which Carlsen was declared the winner.
What rules (if any) cover a situation like this?
Also I've seen claims that Inarkiev has pulled this "trick" before. If true, when and where was that?
rules blitz carlsen illegal-move
Ola Ström
3.10.2 of the FIDE Laws of Chess defines when a move is illegal -
3.10.2 A move is illegal when it fails to meet the relevant requirements of Articles 3.1 – 3.9
Articles 3.1 - 3.9 basically describe the moves of the pieces. Inarkiev's move was illegal because it breached 3.9.2 -
3.9.2 No piece can be moved that will either expose the king of the same colour to check or leave that king in check.
3.10.3 defines when a position is illegal -
3.10.3 A position is illegal when it cannot have been reached by any series of legal moves.
After Inarkiev made his illegal move the position was illegal because his king was in check and it was not his turn. After Carlsen made his (perfectly legal) move the position was legal again because Inarkiev was in check and it was Inarkiev's turn. Inarkiev was wrong to stop the clocks and claim an illegal move. The first arbiter made a mistake. Presumably Inarkiev said that Carlsen had made an illegal move and the arbiter took his word for it without checking - very unprofessional.
Article 7.5.1 defines when an illegal move has been completed (different from "made") and what should happen next in standard play games -
The same definition for the completion of an illegal move applies to rapid and blitz however the way the illegal move is handled is different unless certain strict conditions apply.
In blitz illegal moves are handled like this (i.e. "Competition Rules apply") only if -
B.3.1 The Competition Rules shall apply if:
B.3.1.1 one arbiter supervises one game and
B.3.1.2 each game is recorded by the arbiter or his assistant and, if possible, by electronic means.
With 69 games they would need 69 or more arbiters. I don't believe they had that so according to B.4 Rapid rules apply -
B.4 Otherwise, play shall be governed by the Rapid chess Laws as in Article A.2 and A.4.
The relevant article is A.4.2 -
A.4.2 If the arbiter observes an illegal move has been completed, he shall declare the game lost by the player, provided the opponent has not made his next move. If the arbiter does not intervene, the opponent is entitled to claim a win, provided the opponent has not made his next move. However, the game is drawn if the position is such that the opponent cannot checkmate the player's king by any possible series of legal moves. If the opponent does not claim and the arbiter does not intervene, the illegal move shall stand and the game shall continue. Once the opponent has made his next move, an illegal move cannot be corrected unless this is agreed by the players without intervention of the arbiter.
So, the sequence of events was -
Inarkiev makes an illegal move
Neither the arbiter nor Carlsen spots it and Carlsen makes a legal move.
Inarkiev incorrectly tries to claim the game.
The arbiter who deals with it incorrectly believes Inarkiev without checking and awards the game to Inarkiev.
The Chief Arbiter correctly overturns the decision and rules that Inarkiev must make a move in the position in which he made his incorrect claim.
I don't know if the Chief Arbiter did this but in his position I would also award Carlsen an extra minute on the clock in accordance with article B.2.
B.2 The penalties mentioned in Articles 7 and 9 of the Competition Rules shall be one minute instead of two minutes.
EDIT: Checking on the FIDE web site I see that they have published the regulations for the World Rapid and Blitz Championships which confirm that Rapid rules apply in the case of illegal moves -
6.14 Tournaments will be played according to the rules of the inadequate supervision of the Rapid play Laws of Chess (FIDE Handbook, E.I.01B Appendices, art. 1 to 4). In addition, if a player displaces the pieces during the game: for the first time he receives a warning but for the second time he will be forfeited.
EDIT2: Perhaps I should just also point out for anyone reading this after 1st Jan 2018 that FIDE are unhappy with the "one illegal move loses in rapid and blitz" rule and this is changing from 1st Jan 2018. The new rules have a new article A.4.2 -
A.4.2
If the arbiter observes an action taken under Article 7.5.1, 7.5.2, 7.5.3 or 7.5.4, he shall act according to Article 7.5.5, provided the opponent has not made his next move. If the arbiter does not intervene, the opponent is entitled to claim, provided the opponent has not made his next move. If the opponent does not claim and the arbiter does not intervene, the illegal move shall stand and the game shall continue. Once the opponent has made his next move, an illegal move cannot be corrected unless this is agreed by the players without intervention of the arbiter.
This basically says that in the case of an illegal move in "unsupervised" rapid and blitz the rules regarding when an illegal move is spotted and handled remain the same (if neither the players nor the arbiter spot it and stop the game then the game continues) but the penalties are as in standard play with a time penalty and restored position in case of a first offence and losing the game in case of a second offense.
Thanks. That seems logical and makes lots of sense. Strange that Carlsen did not argue with the arbiter at the time the claim was made. – user1583209 Dec 30 '17 at 12:53
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Initial yield returns were 8,000 pounds (80, 100-pound sacks) of medium-grain Calrose rice per acre. Rice prices early in the season were good, but below the highest price of about $1,000 per ton FOB milled in 2008. Strange production year illustrates the resiliency of high quality rice varieties currently available to growers. Largest challenge for the financial viability of California rice growers is controlling production costs.
Charley Mathews and Frank Rehermann are poised for payday as their combines roll through their northern Sacramento Valley, Calif., rice fields following a challenging growing season mired by cool and wet spring weather.
Mathews began harvest the last week of September. Initial yield returns were 8,000 pounds (80, 100-pound sacks) of medium-grain Calrose rice per acre; an average yield in the Valley. About 85 percent of all California rice is the Calrose japonica type.
The fifth-generation farmer grew 600 acres of the M206 variety this year.
Rice quality, Mathews noted later, ranged from average to above-average range.
About 20 good weather days are needed to bring in Mathews' crop. Custom harvest work on another 600 acres stretches his total harvest period to 35 to 40 days.
Despite the late growing season, Mathews kicked off the harvest a little earlier than he would like, due to inherent rains that usually fall in October and November. The average October rainfall in the area is 3 to 4 inches.
The crop moisture level on early harvested grain was higher than Mathews' preference of 20 percent to 22 percent.
Mathews farms 600 acres of rented rice ground. He usually kicks off field preparation in mid-March, but the weather abnormalities this spring delayed field work to early May. Many of California's 2,500 rice farmers struggled to get the crop back on schedule due to cool temperatures and wet fields.
Most California rice is seeded by airplane into fields with 5-inch deep water.
"It was the latest crop we ever planted," Mathews said. "It was a very rushed approach; we call it shotgun planting," Mathews said while eyeing his idled combine awaiting a mechanic's attention.
The rushed approach left perfecting land leveling for next year and cancelled extra field chiseling and disking. The plus side of this was reduced production costs.
Mathews estimates his consumptive water use this growing season at 3.5 acre feet/acre; with water coming from the Yuba River.
For the first time, Mathews treated for sheath spot and stem rot; common problems in a hot, humid summer.
Pest pressure was also low in Mathews' fields, including few rice water weevils which are common in California rice. The weevil attacks young plants, lays eggs, and the larvae eat the roots. This year, ducks, geese, and blackbirds were Mathews' largest 'pest' challenge.
The herbicides Cerano and Granite provided good weed control.
Mathews said rice prices early in the season were good, but below the highest price of about $1,000 per ton FOB milled in 2008.
This strange production year, says Mathews, illustrates the resiliency of high quality rice varieties currently available to growers.
Frank Rehermann, FJR Farms, gazed with a satisfied smile as he peered through his pick-up's windshield as he watched his combine clip his first fields of rice in Nelson in Butte County.
Rehermann is a first-generation rice farmer who entered the rice business following his Navy service in 1971. Rehermann's father-in-law helped pave the way into rice.
Rehermann grew 720 acres of rice this year on rented ground. While he is pleased with the outcome of the crop thus far, the spring weather added frustration.
Generating a rice stand took Rehermann a month to achieve, versus a more typical two-to-three week period. But Rehermann is all smiles. Early yields in fields planted with the M206 variety generated 9,000 pounds/acre, about 1,000 pounds less than his all-time record crop of about 10,000 pounds/acre last year.
Rehermann had few instances of sheath blight due in part to the aerial application of the fungicide Quadris. The amount of rice blanks (without full-sized kernels) fell in the normal 5 percent to 6 percent range.
Rehermann's water use averaged 3.5 to 3.6 acre feet/acre — water delivered by the Western Canal Water District from the Oroville Dam afterbay.
Rehermann's ground work in the spring includes tilling 2 to 5 inches of dry dirt on the soil surface. The ground is smoothed followed by a preplant fertilizer.
Water is added to cover the ground. Seed soaked in water for 36 hours is flown over the field at a rate of 150 to 200 pounds per acre. Soaked seed settles to the soil surface rather than floating on the water.
About 90 percent of California rice acreage is seeded by plane. The balance is dry seeded.
At seeding time this spring, wind speeds on Rehermann's operation topped about 25 miles per hour. Under the high winds, the 1-inch deep water was calm. Water at a 1.5 inch depth had whitecaps leading to seed bunching.
"I prefer to keep the water level relatively shallow until the seed sprouts and then raise the level up slowly," Rehermann said.
The water level is then maintained through irrigation for about 30 days. A herbicide is applied at 40 to 45 days after planting if not applied at preplant. Fertilizer levels are maintained to produce the crop. The fields are usually drained 110 to 115 days after seeding, depending on the soil type and whether the field is level or has a slope.
Rehermann is a leader in the California rice industry, serving as the California Rice Commission's (CRC) treasurer and as chair of the California Rice Industry Association. He served as the CRC's chair from 2005-2007.
California is the nation's second largest rice producer behind Arkansas.
The largest challenge for the financial viability of California rice growers is controlling production costs.


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Q: Proof involving rank of partitioned matrix.
Prove that $$\operatorname{rank}\begin{bmatrix}     A & B  \\     0 & C  \end{bmatrix}\geq \operatorname{rank}A+\operatorname{rank}C.$$
Deduce that the rank of an upper triangular matrix is not less than
  the number of non-zero diagonal elements.

If I take the column bases of $A$ and $C$, the corresponding columns of the bigger matrix are Linearly Independent.
This above idea is fairly intuitive and very helpful, but I am unable to write it down as a formal proof. Could someone help me express it in a clean and presentable form?

For the deduction part, I see that any Upper Triangular Matrix can be expressed as  $     \begin{bmatrix}     A & B  \\     0 & C   \\     \end{bmatrix}$.
Now, if I could show that:
rank of $A \geq$ number of non-zero diagonal elements in A $\ \ \  \ \ \ \ \ -(1)$
rank of $C \geq$ number of non-zero diagonal elements in C $\ \ \  \ \ \ \ \ -(2)$
then the deduction logically follows.
The thing I find strange is that $A$ and $C$ are both themselves Upper Triangular Matrices. So effectively, both $(1)$ and $(2)$ are exactly what I started out to deduce in the first place. This basically puts me in a loop. I seem to be missing something and would like some help here. Thanks.

A: Hint. Let $r,s$ be the ranks of $A$ and $C$ respectively, $\{Ax_1,\ldots,Ax_r\}$ be a basis of the column space of $A$ and $\{Cy_1,\ldots,Cy_s\}$ be a basis of the column space of $C$. Now show that the vectors
$$
\pmatrix{Ax_1\\ 0},\ldots,\pmatrix{Ax_r\\ 0},\pmatrix{By_1\\ Cy_1},\ldots,\pmatrix{By_s\\ Cy_s}
$$
are linearly independent and they all reside in the image of $\pmatrix{A&B\\ 0&C}$.

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HomeTechnologiesRoboticsThe Rise of the On-Demand Robot Industry
The Rise of the On-Demand Robot Industry
Corona Borealis -stock.adobe.com
CAPEX Vs. OPEX - Why the Future of Surgical Robots Will Be "As a Service."
Bruce Lichorowic | Dec 14, 2020
As medical technology advances, we're seeing the emergence and the importance of the 'as-a-service' model for medical devices. Specifically, the procurement of surgical robots as a capital expenditure is changing to include an on-demand robot usage model. Increasing healthcare costs, driven in part, by a worldwide pandemic, is driving medical device manufacturers to rethink their CAPEX heavy business models, which must be approved by hospital's value-added committees (VAC).
Currently, it appears that the device manufacturers have built their entire business on an upfront capital-intensive business model (surgical robots, diagnostics and imaging machines) forfeiting the smaller rural and community hospitals that are unable to get the latest medical technology. Many of these smaller hospitals rely on receiving federal grants to survive and more than often these hospitals cannot afford the latest equipment due to heavy upfront capital costs.
Historically, businesses in nearly every industry have had to radically revise their infrastructure and cost savings models by shifting away from large capital expenses to operational expenditures. Cloud-based applications for legal, accounting, sales, HR, customer relationship management (CRM), and everything in between have all shifted to a subscription Software-as-a-Service (SaaS) model. No longer do these companies face significant up-front capital outlays in purchasing enterprise equipment to support their infrastructures. The SaaS business models have alleviated overhead pressure on corporations whereby cloud services are becoming more mainstream. Companies in the late 1990s and early 2000's who failed to shift their business model from the enterprise-based model to the cloud subscription model paid a heavy price.
Medical device manufactures are now facing the same challenge. It is critical for hospitals—both large and rural—to acquire surgical robots without upfront capital costs and instead, allow for costs to occur on a case-by-case basis, which enables new personalized case, pricing models. Device manufacturers must adjust their business model, particularly for surgical robots where upfront capital costs can exceed $1 million.
Adopting the 'as a service' model may not be easy because most device manufactures built their original business models based on an upfront CapEx for early one-time revenue. However, today's downward pressure on healthcare costs is not abating, and hospital VAC committees are pushing back on device manufacturers forcing them to find new ways to sell their devices. This was the exact problem enterprise companies faced 20 years ago that gave rise to the SaaS model.
Device manufacturers may be slow to incorporate the new revenue model, because as a service revenue model, initially does not climb as fast as the upfront CAPEX sales models. To mitigate this, device companies will need to build out their sales models based on usage, versus a one-time sale of their products. By doing this, these manufacturers will gradually build a solid base of surgical cases until they reach the tipping point, where the culminating case number begins to generate a positive cash flow on their P&L.
When freed from a CAPEX model, teaching and community hospitals and surgical centers will be able to benefit from the latest robotic technology. Further, personalized case pricing will become the norm, and the costs to use a surgical robot will be based on how the surgeon chooses to use the robot for that specific case. On-demand robot usage for hospitals removes the need to recoup CAPEX. This allows the community hospitals and surgical centers, where profits are often razor-thin, to increase surgical efficacy and provide better patient outcomes. Additionally, as more surgeons are "robot ready" after medical school, access to surgical robots becomes critical for hospitals to recruit new surgeons.
With the arrival of the next generation of surgical robots, the market is poised to bring profound benefits to patients, physicians, and hospitals worldwide. The as-a-service model has benefitted countless industries and companies, and now the surgical robot device manufacturers must step up and change their business model in order to stay competitive in the on-demand robot industry.
Reimbursement Win in Taiwan Could Spur Surgical Robotics Growth
Medtech in a Minute: A Huge Step for Medtronic's Hugo, and More
Medtronic's Hugo Enrolls first US Clinical Trial Patient

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Edinburgh Research Archive
ERA Home
Divinity, School of
Divinity thesis and dissertation collection
James Hog of Carnock (1658-1734), leader in the evangelical party in early Eighteenth century Scotland
dc.contributor.advisor Watt, Hugh
dc.contributor.author Moffatt, Charles L.
dc.identifier.uri http://hdl.handle.net/1842/7696
dc.description.abstract The title- "James Hog of Carnock (1658-1734), Leader in the Evangelical Party in Early Eighteenth Century Scotland" -has been the limiting factor in the development and scope of this thesis. It is not without significance that Hog is described as "Leader in the Evangelical Party": the claim is not that he was the leader of that school; but he is presented herein as one of the leaders in the Evangelical party. This means that the share of Thomas Boston, the Erskines, and others of that group in Evangelical leadership is by no means denied, but it is not the scope of this thesis to give an exhaustive study of these particular men, of their party, or even of the various controversies herein discussed. Their contributions are for the most part not included in the thesis, or are included only insofar as is necessary to establish Hog's function in the various scenes, to balance the discussion, or to throw light upon the overall picture. In other words, the various subjects presented in the thesis are developed as James Hog impinged upon them, or as they impinged upon James Hog. The words "Evangelical Party" are intended to apply in a broad way, for it is an accepted fact that there was, during the period under consideration, no hard and fast Evangelical--as opposed to Moderate--party. It was more properly an Evangelical school and as such the words are understood and developed. It is the early eighteenth century with which the thesis is concerned primarily, but as it is impossible to plunge into the current of events and thought in ecclesiastical and theological studies without a retrospective presentation of the contextual situation preceding the immediate problem, an introductory section, rooted in the seventeenth century background, is placed at the beginning of each chapter. The decision to take this approach was taken after consultation with my principal adviser, Principal Emeritus Hugh Watt, whose wise counsel has led the writer clear of many Charybdian hazards. In thus presenting the introductory sections, each chapter serves as a setting for that which follows, climaxing in the crucial chapter on the controversy concerning The Marrow of Modern Divinity. en_US
dc.publisher The University of Edinburgh en_US
dc.subject James Hog en_US
dc.subject evangelicalism en_US
dc.subject Church of Scotland en_US
dc.title James Hog of Carnock (1658-1734), leader in the evangelical party in early Eighteenth century Scotland en_US
dc.type Thesis or Dissertation en_US
dc.type.qualificationlevel Doctoral en_US
dc.type.qualificationname PhD Doctor of Philosophy en_US
Moffatt1960_FULL.pdf
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20 Reasons to Sail on Windstar's New Star Pride Ship
Johnny Jet May 20, 2014
I travel to 20+ countries a year sharing my firsthand knowledge of reward travel, travel credit card deals, travel tips and more.
Windstar's Star Pride Christening in Barcelona, Spain on May 5
Buenos días! I'm back from Europe after sailing on Windstar's newest ship, Star Pride. I was invited on the inaugural cruise along with several other journalists, travel agents, executives and paid guests who had to have sailed on Windstar previously to be part of this exclusive trip.
Windstar's Star Pride
Windstar took over the 438-foot Pride from Seabourn in Barcelona, Spain in a deal that was announced over a year ago and also included the exchange of Star Pride's two other sister ships, Legend and Breeze, which will be delivered in April and May 2015.
Windstar is known for its casual-atmosphere luxury cruises on small vessels (100-212 guests). The brand previously only used sails and diesel power but is now embarking on experiences based on a whole new type of vessel…yachts! Windstar's CEO Hans Birkholz validated the move by saying that "yacht-style cruising has legs in the marketplace" and that "customers are voting with their pocketbooks." These three yacht-style ships will double Windstar's current fleet so it's a huge move for the Seattle-based company.
Windstar Star Pride Barcelona fiesta
My trip began in Barcelona at the christening ceremony and pier-side fiesta celebrating the launch of the inaugural voyage. Mrs. Nancy Anschutz, wife of Mr. Philip Anschutz, owner of Xanterra Parks & Resorts, Windstar's parent company, was honored as Godmother of the yacht, and she successfully broke the magnum bottle of Veuve Clicquot after cutting the blue ribbon, which was dangling from a small crane. It was Windstar's first yacht christening in 16 years so all the big wigs were out in full force.
Star Pride in Barcelona May 5, 2014
Mrs. Anschutz was joined on stage by her husband Philip; Andy Todd, CEO of Xanterra Parks & Resorts; Hans Birkholz, CEO of Windstar Cruises; Captain Alan MacAry, 15-year Windstar veteran who serves as master of Star Pride; and Father Marto Rodriguez who blessed the ship in Spanish—a moment that felt surreal because Barcelona's huge monument of Christopher Columbus was hovering just over his shoulder from my vantage point.
Remarkably, Windstar had just 18 days to make their interior design changes, which included gutting and rebuilding two of the ship's three main lounges. They also spruced up the cabins and main dining room, repainted the ship and removed all of Seabourn's branding. The only sign of the past company's presence I could find was its stamp on the side of books in the ship's library.
Star Pride's pool
These obviously aren't new ships. Star Pride was built in 1988 so naturally it does show signs of age in several places. One of the biggest of these is the pool, which has to be the most uninviting pool I've ever seen. But once you set sail on Windstar, you quickly realize you don't go on their ships (or other similar small ships) for things like the pool. These aren't those floating megaships that have everything a top Las Vegas hotel would have. Instead, you go on a ship like this for the luxurious cabins, service, food and most importantly, the stopover destinations, as they have the ability to stop in smaller ports that the large ships can't.
Our six day cruise included stops in:
Barcelona, Spain;
Sete, France;
Sanary-sur-Mer, France;
Monte Carlo, Monaco;
Portofino, Italy;
Portoferraio (island of Elba), Italy and C
ivatechia, Italy (port of Rome) and it was a great example of how Windstar's ships can gain access to smaller ports for a more authentic experience.
There are many reasons to go on Windstar's new Star Pride but before we get to them, let's not waste your time and talk about the negatives first. You don't want to go on Star Pride if:
You have young kids. In fact, they don't allow children under seven and frankly, your kids would be bored out of their minds since there are no programs or dedicated game rooms for them.
If you want to see Las Vegas types of shows. They do have a small theatre but they don't have any flashy entertainment like the Blue Man Group.
If you want to lounge around or in a pool all day long. As I mentioned above, the pool is not very inviting.
If you want Vegas-style casinos. They do have two blackjack tables, one roulette table and a handful of slots but that's it. Though my dad, an avid gambler, seemed content to lose his money at their blackjack table. Good to know: Casino and shops can't open until they are 12 nautical miles out to sea so they don't have to pay taxes to the (most) local government.
If you want to have a cruise director getting on the PA system two to three times a day informing you of what activities are scheduled for the day. In fact, there are no daily announcements, activities or competitions you might find on competitor ships.
If you want to be connected to fast internet 24/7. Not only is the Wi-Fi super slow, but it's expensive, too. The good news is that I randomly met a person in a bar one night who works on their account and said that they don't spend the money for good bandwidth and they have a broken antenna, so that's why it was so slow. That means it's an easy fix so hopefully they will see the light. Good to know: That same person told me that Disney has the fastest internet. I can't confirm that because I've never been on any of their cruises.
You want a room with a balcony. Unless you're in one of the suites in the front of ship, there are no balconies—though most cabins do have French balconies, which I do list below as one of my reasons for sailing on Star Pride.
So, if you're okay with all the above, which I suspect you are, then here are 20 solid reasons to sail on Windstar's newest ship, Star Pride:
Star Pride in Monte Carlo
1. You won't get lost
These days, many ships are so huge that you not only have to walk a mile to get from your cabin to the restaurants, but you're also pretty much guaranteed to get lost on the way. Not on Windstar's Star Pride. The ship is only 440-feet long and there are just six passenger decks. It's easy to get around and you won't be complaining that your feet hurt from walking so much. If my dad didn't complain, you won't complain. Trust me. FYI: It's 63-feet wide and is 10,000 gross tons.
Star Pride's cabins
2. All suites
Star Pride has a total of 106 suites with a guest capacity of 212. These cabins are way larger than the ones on Windstar's other ships since they are 277 square feet! I think having a large cabin can make or break some couples' trips since the tighter the quarters, the more potential for friction there is. No worries about that on Star Pride. FYI: These suites were updated to meet Windstar's casually elegant, warm and contemporary style. All suites include a flat-screen TV with live TV, DVD/CD players and Bose SoundDock speakers.
Star Pride's bathrooms
3. Marble bathrooms
The bathrooms are large too so you won't have to squish each other getting ready for dinner. There are also double vanities and the tub/shower is the same size as I have at home with solid water pressure.
Star Pride's toiletries
4. Luxury toiletries
I wasn't going to list this because most luxury cruises have designer toiletries but not only does Star Pride have L'Occitane products, but they also replenish them daily. FYI: I sometimes swipe extra toiletries and donate them to senior citizen homes or homeless shelters.
Star Pride's cabins (reverse angle)
5. Comfortable beds
There's nothing worse than being jetlagged and not being able to sleep because of an uncomfortable bed. That won't be the case on Star Pride because the beds are super cozy and so are the sheets and pillows. Combine that with the lull of the ocean and you'll be sleeping like a baby.
Star Pride's large closets
6. Plenty of closet space
You and your travel companion won't fight over lack of closet space or hangers because there's plenty of both. There are also a number of drawers—and don't forget about the storage space under the bed for the suitcases.
Star Pride's French balconies
7. French balconies
Only the expensive suites in the front of the ship have full balconies but the majority of cabins do have French balconies—the second best thing next to an actual balcony. Actually, not having the balcony makes the cabin that much larger so it might be the best if you care about space inside. But being able to open the doors to pop your head out to take pictures or to leave them open for fresh air makes a huge difference.
Star Pride's daily fruit and bottled water
8. Free mini bar
Guest will love that there's an in-room mini-bar stocked with beer and complimentary soft drinks. The cabin attendant also leaves two bottles of water in the morning and evening, and keeps a pitcher of filtered water and a fruit bowl full.
Star Pride's friendly service
9. Friendly staff
Star Pride has about 125 staff members; 95 of them are previous Windstar employees and 30 are new hires. Everyone I encountered was super friendly and helpful. What's interesting is that I was told that about 60% of the staff are from Indonesia (all the wait and cabin staff) and 30% are from the Philippines (cooks, bar tenders, tender boat operators). Some of my favorites were mine and my dad's cabin attendants, Kristy the Guest Services Manager, Lai at the reception desk and Georgina in the gift shop.
Star Pride's fine service
10. Fine service
Windstar doesn't have over-the-top service like Seabourn but that's because they have fewer crew and charge half the price. But nonetheless, they have good service and though it could be slow at times, overall it exceeded my expectations.
Appetizer from Star Pride's Candles Restaurant
11. Tasty food
There were a lot of seasoned cruisers on my voyage and I heard night after night that the food on this trip was the best they'd ever encountered. One of the highlights was the deck barbecue gala, which takes place on the pool deck one night per voyage. The 5-star buffet offers an array of dishes from lobster to an Asian-style suckling pig, jerk marinated chicken and other specialties including seafood paella, which is cooked right on deck.
Good to know: Windstar offers an open seating program that allows guests to dine when and with whom they like.
Star Pride's Verandah in Sete, France
12. Variety of restaurants
Star Pride has several dining options. The main dining room is called AmphorA Restaurant, which features a contemporary, international menu and fresh local dishes. The most coveted restaurant is Candles, which is called Veranda during the breakfast and lunch buffet but at night is turned into a romantic setting where guests can dine under the stars. Here, they offer fine steaks and grilled skewers on the menu. Note: They only let passengers dine once during the trip, but make reservations as soon as you get on the ship because there are a limited number of tables.
There's also the Yacht Club which is a chic lounge and coffee bar that serves snacks and treats during the day. And of course there's 24-hour in-room dining.
Star Pride's Compass Rose bar
13. Bars
There are several places passengers can get a drink and socialize. The nicest is Compass Rose, which is the club space that was redesigned with all new contemporary furnishings, including rich new flooring finishes, plantation shutters and comfortable chairs and bar stools. There's live music here nightly.
The other popular place is Star Bar, the outdoor deck bar that offers casual drinks during the day and a venue for star-gazing by night.
14. Don't pay for other people's drinks
For those who don't drink alcohol (ahem, me) you'll be sure to like Windstar's "Luxury as You Like It" philosophy. Unlike many of the all-inclusive luxury brands, Windstar offers a choice of alcoholic beverages to be a la carte or through a beverage package, ensuring that guests aren't paying for someone else's bar bill. So if you drink a lot, get the package deal.
Dining under the stars during Star Pride's Deck Barbeque
15. It's casual
What's nice about Windstar is that although it's a luxurious ship, you don't have to pack a dinner jacket, tie or fancy dress because it's a casual-elegant atmosphere. That means you can travel light and not have to check a bag, which is a real inconvenience. The only things not allowed are jeans and shorts in the dining room for dinner.
Star Pride's open bridge
16. Open bridge
Like all Windstar ships, Star Pride has an Open Bridge allowing guests to come into the Bridge when the yacht is at sea. Guests can talk with the Captain and officers on watch, view the navigational chart, and enjoy some of the best views on the yacht without any advance warning. You just can't go into the bridge when they're making maneuvers.
17. Private events
Hans Birkholz, CEO of Windstar Cruises, announced on the cruise that starting next year, every cruise will include a private event to "give people something special." He described them as "magical moments" that will bring the destination to life. Examples he gave were a luau on a private motu in Bora Bora with fire dancers and dinner under the stars at the Library of Celsus at Ephesus in Turkey.
Star Pride's swim and sports platform
18. Watersports platform
Star Pride has a swim and sports platform located at the back of the yacht and it's be available whenever the conditions are right. The platform offers a variety of complimentary water toys such as waterskies, wakeboards, kayaks, paddleboards, and sailboats. Guests can also enjoy the freedom of their own private yacht by swimming to and from the platform. They also provide snorkeling gear and bicycles to rent on shore
Star Pride's gym
19. Staying in shape
When you think "cruise" you probably think about endless buffets and gaining weight. Fortunately, Star Pride has a fitness center that's open 24/7 so you have no excuse not to work off the extra calories. Next to it is the WindSpa, which is a full-service spa and salon. Offerings include massages, body treatments, facials, manicures, pedicures, aromatherapy, acupuncture, haircuts, blowouts, and highlights.
FYI: There are two whirlpools in the middle of the top deck.
Star Pride's French balcony
20. Private yacht experience
Naturally, I saved the best for last, and that's the fact that Star Pride and other Windstar ships can dock in places only small ships can go. Star Pride's small size allows it to explore off-the-beaten-path locales that bigger ships can't visit and in most places, they're even able to park right in town rather than at a cruise terminal. This summer, Star Pride will be traveling to the little-visited ports of the Black Sea, and in the winter, it will head to Asia for stops in lesser-visited ports along the coast of Vietnam, Malaysia and the Philippines.
There's no self-service laundry on the ship but their prices weren't ridiculous. I had my dad's pants cleaned and it cost around $5. I know it's a lot more than doing it yourself but I've been to hotels where that would have cost two to three times that price.
The one thing Star Pride needs to work on is the morning wait staff in Veranda. They were slow to clean up, forgetful of orders and they put way too many utensils in the napkins.
It was my first time sailing on Windstar and although I didn't get their usual sail experience, they do give a flavor at the beginning and the end of the journey. Overall, I really enjoyed the trip and out of all the guests I met I only met one couple that said they wouldn't recommend Star Pride to their friends. I would, and am.
For more information including rates and itineraries, contact a travel professional (I use Mike Gelman who's at 1-800-724-5868) or call Windstar at 800-258-7245. Visit Windstar Cruises online at WindstarCruises.com or Blog.WindstarCruises.com.
Bonus TravelZoo deal: $2999 — 10-Night Award-Winning Asia Windstar Cruise, Save $1000*
Windstar's Star Pride Christening in Barcelona, Spain on May 5
Windstar's Star Pride
Star Pride's friendly service
Star Pride's flag ceremony
Windstar's new logo
Star Pride's fine service
Star Pride's spiral staircase
Star Pride's cabins
Star Pride's cabins (reverse angle)
Star Pride's bathrooms
Star Pride's toiletries
Star Pride's welcome treats
Star Pride's daily fruit and bottled water
Star Pride's large closets
Star Pride's French balcony
Star Pride's French balconies
Star Pride's libray
Star Pride's slot machines
Star Pride's gym
Star Pride's pool
Star Pride's Compass Rose bar
Windstar's sendoff from Sete, France
Windstar's sendoff on the island of Elba
Local entertainment onboard in Monte Carlo, Monaco
Local entertainment on board in Monte Carlo, Monaco
Star Pride's open bridge
Guest seats in Star Pride's bridge
Star Pride's Muster drill
Star Pride's hand sanitizer
Star Pride's Verandah in Sete, France
Star Pride's Verandah breakfast menu
Star Pride's Verandah breakfast buffet
Star Pride's Verandah lunch buffet
Star Pride's Verandah lunch buffet dessert station
Appetizer from Star Pride's AmphorA Restaurant
Appetizer from Star Pride's Candles Restaurant
Star Pride's Deck Barbecue
A roasted pig from Star Pride's Deck barbecue
Dining under the stars during Star Pride's Deck Barbeque
Star Pride table in Monte Carlo
Star Pride from one of its tenders
Star Pride's swim and sports platform
Windstar's Star Pride life saver
Me and my dad in Sete, France
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
3 Comments On "20 Reasons to Sail on Windstar's New Star Pride Ship"
Carol Heidema Harris|
We are booked on the Vietnam cruise and pre-cruise tour to Angkor Wat beginning 1/12/15 in Cambodia. We booked directly with Windstar for both the cruise and our business class air tickets in May. They sold us air tickets to Saigon telling us that's where the pre-cruise participants were meeting. 11/13 I called to get information on where we would be meeting for the trip to Siem Reap. We were to have been booked directly to Siem Reap and not Saigon! Dealing with Windstar has been a pure nightmare to get them to admit their mistake and obtain resolution to our travel. We are going on this trip despite these issues but will not recommend Windstar are a cruise line because of their sales and planning departments.
José K.|
September 14, 2015 at 4:09 pm | Reply
I missed saying hi, I think. We were on that trip, and continued on the next trip to Sicily and southern Italy. We'll be on Star Legend for our next trips (Windstar cruises #22, 23 I think), and it will be interesting to see if there's a big difference in the refitting, and the recommendations from the Pride pax they included in Star Legend and Breeze.
I was blown away when, one evening, as we walked into the Compass Rose and my eyes were adjusting to the light level, a barman's voice from a Wind surf a couple of years prior called out "Lagavulin, straight, water on the side, right?" Unbelievable!
Carol, too many at the office are incompetent: I wouldn't let them handle my travel arrangements. But the cruising style is very cool and laid back.
Jc|
Which slice of the ship is best on the Med cruise
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Primary Chemical Name :
CAS Registry Number:
The EC Number, formerly known as the EINECS number is a unique 7-digit number (format: xxx-xxx-x) assigned to chemicals registered with the European Chemicals Agency (ECHA).
Synonyms are alternative names that represent the same chemical substance.
Cyclohexanol;Hydrophenol
SVHC?:
Chemical Structure Health Studies Toxicity Studies Biomedical Reference ECHA - Chem GHS Classification
Sources for Information on Chemicals
Chemical Structure: U.S. National Library of Medicine-ChemIDPlus
Health Studies: U.S. National Library of Medicine-Hazardous Substances Databank (HSDB)
Toxicity Studies: U.S. National Library of Medicine-TOXNET
Biomedical Reference: U.S. National Library of Medicine-PubMed.gov
GHS Classification: European Chemicals Agency, http://echa.europa.eu/
ECHA - Chem: Registered Substances Database of European Chemicals Agency, http://echa.europa.eu/
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AM&A Blog
When it comes to funds, the best advice is personal
The recent problems with the suspension of dealings in a heavily promoted UK equity income fund have exposed the blurred line between advice and guidance.
According to the Investment Association (IA), there are around 3,500 funds on sale in the UK. The IA sorts these into over 30 individual investment sectors, although about 10% are listed as being in the unclassified sector. Faced with such a large choice, understandably many private investors want some help in making their fund selections. The assistance they receive has come under the spotlight following the recent suspension of trading in the Woodford Equity Income Fund (WEIF).
WEIF's manager, Neil Woodford, established a strong track record with Invesco Perpetual before leaving the group in 2014 to set up his own fund management business. Unsurprisingly, a large amount of money followed him to his new company. He was helped by a common feature of today's fund marketplace: favoured fund lists. These typically consist of 50 - 100 funds, spread across those 30+ IA sectors, chosen by firms whose main business is marketing funds to the public. The criteria for selection are not always specified, but there is often a heavy reliance on past performance. However, there is one aspect that is clear: if you pick a fund from the list, then it is you who are making the choice.
Favoured fund lists do not constitute personal financial advice, even if may investors think that is what they are receiving. At best they are a form of general guidance, attempting to sort some of the wheat from a large volume of chaff. A select list only supplies the selector's opinion at the time. It does not offer you a recommendation based on your personal circumstances, including consideration of the other investments you hold, whether held directly or indirectly, e.g. via pensions. Nor does the provider of the list offer any ongoing support, an important factor in current market conditions.
There is a role for recommended fund lists, but there is no substitute for personal, regularly reviewed advice on your investments.
How well do you understand inheritance tax?
A survey by HMRC published in May concluded that the public have a relatively poor knowledge of inheritance tax (IHT) rules and lack of confidence in what they do know.
HMRC recently commissioned a survey of 947 people who had made gifts in the last two years. To assess knowledge of the IHT system among these donors, they were asked eight questions, which are shown below.
Now it is your turn to try - which of the following statements is true and which is false?
A donation to a charity or a qualifying political party can count as a gift that is exempt from inheritance tax - true or false?
Inheritance tax may be paid on gifts totalling more than £325,000 if the person who makes the gifts dies within seven years of making them - true or false?
A person can give as many gifts of £250 as they want in a year and not be subject to inheritance tax, as long as each gift is to a different person - true or false?
Inheritance tax may be charged at 40% on gifts to individuals given by the deceased in the three years before their death - true or false?
A gift can be the difference between the value of property and the actual price that the buyer pays - true or false?
Inheritance tax will always be payable on gifts over £3,000 given in the seven years before death - true or false?
A gift up to £1,500 to a niece or nephew getting married is always tax free - true or false?
A married couple or civil partners can leave up to £950,000 to their children without paying inheritance tax - true or false?
How did you get on?
58% answered five or more questions correctly, while just 37% gave themselves a confidence rating of over 6 out of 10 on answering the questions. After adjusting for confidence levels, the survey concluded that the proportion with a "high knowledge" - as opposed to simply lucky with their answers - was just one in four.
The correct answers are shown below. Whatever your score, it is worth considering why HMRC should have undertaken such a survey at this time. It may be no coincidence that the Office of Tax Simplification is due to publish its second report on IHT simplification soon. Rationalising the rules on lifetime gifts is an obvious target, but as ever with simplification, there would be some losers. We can help you consider where you might stand on the winning and losing scale.
Answers - True: 1, 2, 3, 4, 5, 8; False: 6, 7
Suspension of Woodford Equity Income Fund
Some observations on the temporary suspension of the Woodford Equity Income Fund
There has been a great deal of publicity surrounding Monday's announcement of the temporary suspension of the Woodford Equity Income Fund, managed by Neil Woodford, one of the best known and most respected investment managers in the UK, who was appointed a CBE for services to the economy in 2012.
Mr Woodford became a fund manager with Eagle Star in 1987, then moved to Invesco Perpetual in 1988 where he ran the highly successful Income and High Income funds which featured in AM&A's recommended fund lists at the time.
In April 2014, Mr Woodford left his role as head of UK equities at Invesco to set up Woodford Investment Management where he opened his flagship Equity Income fund. Many investors followed Mr Woodford from Invesco Perpetual to his new company; however, based on our fund selection process, we made a decision at the time to move the UK Equity Income allocation in our model portfolios away from Invesco Perpetual and Mr Woodford to an alternative fund in the sector.
For the record, since the launch of the Woodford Equity Income Fund to date, our recommended fund in the sector posted a return of 32.5% against a benchmark return of 24.4% whilst displaying considerably lower risk and volatility ratings than the benchmark IA UK Equity Income sector. By comparison, the Woodford Equity Income Fund has posted a return of -0.8% over the same period whilst displaying considerably higher risk and volatility characteristics than the benchmark. (Source FE 4 June 2019)
The decision to temporarily close the Woodford Equity Income fund, once valued at £10bn and now valued at under £4bn, came as a result of two events on Monday 3 June. The first was the decision by Kent County Council to withdraw all of the £250m it had invested in the fund through its pension fund. Also on Monday, Keir Group, one of the fund's substantial holdings, announced a profit warning, prompting its shares to fall by 40 per cent, booking another big loss for Mr Woodford.
The drop in the value of Keir Group shares, combined with the outflows seen in recent weeks as nerves about global trade tensions and a potential no deal Brexit saw investors withdraw their cash at a rate of £9m per working day in May, with the £250m withdrawal by Kent County Council adding to the outflows.
The underperformance of the Woodford Equity Income Fund has been down to multiple factors: Firstly, Mr Woodford's contrarian investment style has been out of favour. He holds many unloved and undervalued UK companies but as Brexit drags on and on, they are not being given the opportunity to recover.
There have also been a number of stock-specific issues. The knock-on effect is that the fund has suffered large redemptions as many investors have taken their money elsewhere. This, in turn, has meant Mr Woodford has been a forced seller of some of his stocks, even if they have done well, in order to meet those redemptions. It's a vicious circle.
The first signs liquidity might be an issue came when it was revealed that Mr Woodford had listed some of his stakes in unquoted companies on the Guernsey Stock Exchange, which meant they no longer counted as unquoted under Investment Association rules. The problem had been that due to the quoted stocks' poor performance, the unquoted holdings became a bigger part of the total portfolio, reaching above the 10 per cent limit permitted under IA rules.
The culmination of these events prompted the fund to be closed to outflows and inflows until further notice. The decision will be reviewed after 28 days and the Financial Conduct Authority will be contacted, at which point the fund could be reopened or the closure may be renewed.
There are a number of lessons we believe that should be derived from the temporary closure of the Woodford Equity Income Fund.
The asset allocation decision is especially important in the management of risk. Diversifying across different asset classes, such as UK shares, foreign shares, fixed interest securities, property and commodities, can reduce an investment portfolio's volatility. What is bad news for one asset class might be good news for another. Exposure to the UK Equity Income sector is currently between 5% & 7% in most of our model portfolios. Investors whose entire portfolios were built around Mr Woodford are undoubtably feeling the pain while those who included LF Woodford Equity Income as part of broad mix of funds are feeling less discomforted.
Fund selection is not a simple matter of looking at a set of performance league tables and picking one of the top three. League tables only tell you what has been achieved, not how it was done, nor the likelihood of continued performance. Fund selection involves an in-depth analysis of a variety of components which are undertaken at AM&A.
Large platforms "over-promoted" the Woodford Equity Income Fund with Hargreaves Lansdown still listing the fund on Monday as one of their "Wealth 50" recommended funds. Hargreaves Lansdown kept recommending the fund when there was no objectively good reason to do so and the reason that the fund was finally removed from their "Wealth 50" list was probably because the fund could no longer be traded.
We anticipate numerous complaints from investors holding the Woodford Equity Income Fund on these "execution only" platforms like Hargreaves Lansdown who cannot access their funds and who believed that they had received advice to invest in the fund.
Another of Mr Woodford's key backers was St James's Place whose chief investment officer issued a statement last week reaffirming its confidence in Mr Woodford. According to the Financial Times, some SJP clients had asked to be moved out of the SJP - Woodford managed fund resulting in £200m outflows over the past 18 months.
Back in 2014, our due diligence on Mr Woodford's new fund failed to meet our criteria to recommend the fund and we were surprised that despite the fund's poor performance over the past three years, large platforms, ratings agencies, advisers and investors blindly following the herd without fully investigating the fund's underlying exposure.
Most people invest in an equity income fund with the expectation that it will invest in large, secure, dividend-paying shares. A glance at the holdings of the Woodford Equity Income fund shows how different it is from its peers and therefore does not do what is stated on the tin as evidenced by the fact that the managers chose to benchmark the fund against the IA UK Equity rather than IA UK Equity Income index.
Finally, this week's event has highlighted the need for regular portfolio reviews either to rebalance existing holdings because of intervening moves in investment values or, at the fund level, manager changes, revised fund objectives or disappointing performance can all prompt adjustments. The discipline of a regular review is therefore a key component of successful investment planning.
In conclusion, the temporary suspension of the Woodford Equity Income Fund highlights the importance of diversification as well as drawing on our extensive market knowledge and experience in recommending appropriate asset allocations, fund and platform providers.
How long do you want to work?
As people are living longer, a parallel older-age profile is emerging in the labour force.
Source: National Statistics 16 April 2019
Labour market statistics for the period December 2018 to February 2019 revealed some impressive results. In the UK, employment of those aged 16-64 was running at 76.1%, the joint highest level ever and up 0.7% on a year ago.
Drill down into National Statistics numbers and some interesting facts emerge:
The increases are being driven by more women aged 50-64 in the workforce. At the start of the decade, 58.5% of women aged 50-64 were in employment, whereas the latest figure is 68.1%. Coincidentally in 2000, that was the male rate of employment in the 50-64 age band.
The proportion of men aged 50-64 in work has also risen over the same period, but less dramatically - from 71.4% in 2010 to 76.8% now.
At 65 and beyond, employment is reaching record levels for both men and women, as the graph shows. Women and men aged 65 and over have an employment rate of 7.9% and 14.2% respectively, compared to 5.5% (women) and 10.8% (men) in January 2010.
There are several reasons for the increase in employment beyond age 50:
For women - and now men - the rise of state pension age (SPA) has undoubtedly had an impact. As recently as April 2010, the SPA for a woman was 60. By October next year, both men and women will share a SPA of 66.
The ending of compulsory retirement ages has encouraged longer working lives.
The gradual disappearance of final salary pension schemes, particularly in the private sector, has forced some people to revise their retirement plans.
Economic conditions have played their part. Real (inflation-adjusted) wage growth has been virtually zero over the last 10 years, limiting the scope for retirement savings.
Working for longer can be beneficial to health, although the case is by no means clear cut: continuing work-related stress could be life shortening. The key is to be able to choose when to stop work, rather than have the decision forced upon you. To get into that position, there is no substitute for adequate retirement planning - preferably well before the age 50, yet alone 65, is reached.
Living longer, but...
A recent report shows that life expectancy is still improving, but not as quickly as was once expected.
"British life expectancy falls by SIX MONTHS for men and women"
That was one recent headline in response to the latest report of the Continuous Mortality Investigation (CMI) of the Institute and Faculty of Actuaries. While it was not inaccurate, like many such headlines it was open to misinterpretation.
The CMI research suggested that mortality improvements had slowed down from over 2% a year between 2000 and 2011, to about 0.5% now. The CMI was not the first to notice the trend. The Office for National Statistics, some large insurance companies and pension providers have all made similar observations. Various possible reasons have been put forward, including a fading benefit from the reduction in smoking, the impact of austerity and the spread of obesity and diabetes.
The life expectancy for a pension scheme member aged 65 is now 21.9 years for man and 24.2 years for women, according to the CMI. These are effectively averaged numbers, so there is roughly a 50/50 chance that today's 65 year old pensioner will live longer, even if the CMI's current calculations prove to be perfectly accurate in 20+ years' time.
Whether or not the CMI turns out to be 100% correct, there is little doubt that the timescales involved mean anyone retiring at 65 today needs to think in terms of drawing their pension for at least a couple of decades. If you are approaching retirement, that should serve as a reminder of the importance of establishing the right long term structure for drawing your future income. Make the wrong decision and it could be hanging over you for the next 20-30 years.
Footnote: While the CMI uses age 65 as a benchmark, the relevance of that specific age is fading. State Pension Age is no longer 65 but is now about 65¬, on a path of phased increases that will reach 66 by 6 October next year.
Check your April pay slip
Your April pay may look much the same as March's, but it is it worth giving your pay slip a closer look.
If you are an employee, your April pay slip is always worth checking, even if you pay little attention to the other eleven you receive over a year. The items to check include:
Salary: Many employers change pay rates from 1 April, often coinciding with the start of their new financial year. If you were notified of a pay increase in March, it is worth making sure the number on the April pay check agrees with what you were promised.
Tax code: Your April pay check will be the first for the 2019/20 tax year and your PAYE tax code will have almost certainly changed from what was on your March pay slip. If you are entitled to a full personal allowance and have no deductions, your code number should increase by 65, reflecting the £650 increase in the personal allowance.
If you have a company car, then it is likely to move your code in the opposite direction. For most cars (other than those with the highest emissions), the percentage of list price that is taxable rises by 3% - £300 per £10,000 of list price. A £22,000 car will therefore more than counter the rise in the personal allowance. The higher scale percentage also means a similar increase in taxable value of employer supplied fuel. In practice you might be better off paying your own fuel bills, even if your employer pays you nothing in compensation.
National insurance contributions (NICs): The primary threshold (that is, the starting point) for NICs rises by £4 a week while the upper earnings limit (the top level of earnings on which you pay full 12% NICs) jumps by £70 a week. As a result, if your annual earnings are more than £46,600 a year, you will be paying more NICs from April. If you earn over £50,000 a year, your extra NICs will be just over £28 a month.
Pension contributions: These are generally linked to salary, although not necessarily your full pay, so should increase if you have an April pay increase. If you are in an automatic enrolment pension scheme, your contributions are usually based on "band earnings", which were £6,032-£46,350 in 2018/19 and are £6,136-£50,000 in 2019/20. The contribution rate will rise, too. How much will depend upon your employer's contributions: you might see the rate increase by two thirds to 5% of band earnings (4% after basic rate tax relief). If your pay in April is lower than in March, the auto enrolment change could be the culprit.
For more insight on the tax, NICs and pension deductions from your pay and options to limit their impact, please talk to us.
The value of tax reliefs depends on your individual circumstances. Tax laws can change. The Financial Conduct Authority does not regulate tax advice.
Happy birthday to tax-free savings
The arrival of the new tax year on 6 April means it is time to consider your Individual Savings Accounts (ISA) investments, which will celebrate their 20th birthday in April.
Over the last 20 years, the maximum annual contribution has risen from £7,000 per tax year to £20,000 for 2019/20. If you managed to set aside the maximum each tax year since 1999/2000, you would now have placed over £205,000 into ISAs and largely out of HMRC's reach.
The relatively simple single investment option has also morphed into a range of plans covering everything from retirement planning (the Lifetime ISA) to children's saving (the Junior ISA).
However, one aspect has been common throughout the ISA's lifetime: new investment is concentrated at the end of the tax year. For example, in the 2017 calendar year Investment Association data shows that net ISA investment in the second quarter was £1,421 million against a net total of £1,068 million for the entire year (the first and fourth quarter showed net outflows).
This means, if you are in that 'leave-it-until-the-last-moment' majority, now is the time to start thinking about your 2018/19 ISA investment.
The benefits of ISAs
Whilst the value of ISAs has changed over 20 years, as successive Chancellors have altered the tax treatment of interest, dividends and capital gains, the main tax advantages are largely unchanged:
There is no UK income tax to pay on interest, whether from cash or fixed interest securities. With low interest rates and the personal savings allowance of up to £1,000, this benefit is less valuable than it once was.
There is no UK tax to pay on dividends - This is a more valuable benefit now the dividend allowance is £2,000 and even basic rate taxpayers can face 7.5% dividend tax.
There is no capital gains tax on profits.
There is no personal reporting to HMRC.
One extra feature added in recent years is the ability to allow ISAs to be effectively transferred to a surviving spouse or civil partner on first death. However, ISAs ultimately remain liable to inheritance tax unless appropriate AIM-listed investments are chosen.
For year-end ISA investments, please contact us.
The value of your investment can go down as well as up and you may not get back the full amount you invested.
Past performance is not a reliable indicator of future performance.
Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.
AM&A Investment & Pension Planning Limited is authorised and regulated by the Financial Conduct Authority. FCA Register Number 445480.
The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
AM&A Investment & Pension Planning Limited is Registered in England & Wales : Registration No. 5275457.
Our alternative dispute resolution provide is the Financial Ombudsman Service. Their website is financial-ombudsman.org.uk
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When Mr. Ali Saleh Kahlah al-Marri legally brought his wife and children from Qatar to Peoria, Illinois, on September 10, 2001, he had planned to earn a master's degree from his undergraduate alma mater, Bradley University. Instead, he began a Kafkaesque odyssey that has now made its way to the U.S. Supreme Court.
In December 2001, Mr. al-Marri was arrested by the FBI as a "material witness" in the 9/11 investigation, a designation that allows the government to detain people for months without any criminal charges. He has been imprisoned ever since, enduring many of the Bush administration's various and often clumsy schemes to avoid allowing a court to decide his guilt or innocence. In 2003, the federal government charged Mr. al-Marri with possession of unauthorized or counterfeit credit card numbers, but not with violent terrorism. In June of 2003, just before a federal judge was to hold a hearing on various motions in the credit cards case - including one asserting that evidence had been obtained from Mr. al-Marri by torture - President Bush intervened to prevent Mr. al-Marri from having his day in court. The president ordered the dismissal of all criminal charges against Mr. al-Marri so that the Secretary of Defense could take custody of him as an "enemy combatant" associated with al Qaeda.
In the year after he became an "enemy combatant," Mr. al-Marri was not permitted to communicate with anyone -- including his lawyers and his family. His effort to have his detention tested under the writ of habeas corpus was rejected by District Judge Henry F. Floyd -- an appointee of President George W. Bush. When he appealed that decision to the Fourth Circuit, he succeeded before a panel of three judges consisting of two judges appointed by President Clinton, and one district judge appointed by President George W. Bush. That decision was 2-1, with the Bush appointee dissenting. But, as often happens in the Fourth Circuit, when a three-judge panel does not adhere to the court's ultraconservative ideology, the panel's decision is reviewed by the full court -- for Mr. al-Marri, this meant nine circuit judges would sit in judgment over his request to have his day in court: four ultraconservative judges, four progressive judges, and one centrist. In Mr. al-Marri's case, the centrist judge --originally appointed as a district judge by President George H.W. Bush, and then elevated to the Fourth Circuit by President Bill Clinton, sided with the ultraconservative bloc. The result was a decision that the President has the authority to detain anyone properly designated as an "enemy combatant" -- including a U.S. citizen or legal resident -- for as long as he sees fit.
Last week, the Supreme Court agreed to review the Fourth Circuit's decision, a choice that raises two major themes of Bush's presidency: the expansion of the President's power to govern more like an absolute monarch than like the head of a democratic government; and the administration's courtpacking program. The Supreme Court's decision to take up this case presents the opportunity for the incoming Obama administration to begin to reverse course.
The government's briefs in Mr. al-Marri's case are due no earlier than February 18, 2009, well after President-elect Obama is inaugurated. It is not easy for a President to disavow greater presidential power. Nor is it easy for the Department of Justice to abandon legal arguments made repeatedly to numerous courts and judges. But the new administration can help restore the rule of law by frankly telling the Supreme Court that Mr. al-Marri is a civilian, not an enemy combatant -- albeit one who may have committed serious crimes. And if there is real evidence he committed those crimes, he should go on trial and let a judge and jury reach its decision.
Beyond that, this case underscores the need for President-elect Obama to appoint judges who will be skeptical of presidential power, both his own and that of future presidents. Because federal judges serve lifetime appointments, they will sit in judgment over the actions of many presidents, with various political agendas. The most important criterion must be adherence to the constitutional values, such as the right of someone held in government custody to be tried for a crime or released from confinement - a right embodied in the writ of habeas corpus recently upheld by the Supreme Court in a closely divided 5-4 decision.
We look forward to the day when this right is enforced by a unanimous Supreme Court, at the urging of the Justice Department. The new administration can bring us a step closer to that day.


AMHERST - With gas prices rising as steadily as the thermometer in July and global warming continuing, a Hadley man wants to pool the talents and technology in the valley to help.
Jeffrey D. Brown has launched RideBuzz to build a ride-sharing program. The program goal is to cut down on gas consumption, reduce emissions and curb traffic in addition to providing a networking community.
Ultimately it would work like this: It's 1 p.m. and you suddenly need a ride to get from Northampton to Springfield. A simple push on the phone would hook you up with someone heading down there at that time, Brown said.
He said the Web-based mobile technology is emerging to create something like this and they just need a way to harness and implement it in the Pioneer Valley.
"I'm always trying to get a around more efficiently," he said. "I wait for the bus, I spend a lot of time trying to be efficient."
And he said "we love our mobility and freedom" which sometimes deters people from ride-sharing or riding a bus, said Brown, the organizer.
By corralling the talents and resources in the valley, "we're looking at how we can make it easier without costly infrastructure. We have an abundance of empty seating," he said. Based on the numbers of registered motor vehicles and an average of 11/2 average riders per car, Brown said there are 1.4 million empty seats available annually in the Pioneer Valley that could be filled.
Brown held an organizational meeting Thursday night at the Jones Library to share the vision, a meeting that drew more than 50 people, he said. He said it's going to take the community to see it through.
"We have so many resources as a society. ... It's time to convert that awareness to move forward."
Eighteen area groups are sponsoring the program including Highland Valley Elder Services, the Northampton Transportation and Parking Commission and the Amherst Energy Task Force as well as area businesses.
The group has a Web site that includes a ride-sharing board where people can hook up with others.
Brown is scheduled to speak April 12 at Hampshire College at its Step It Up festival which begins at 4 p.m. and then April 23 at the Hitchcock Center for the Environment at 7 p.m. to talk about the program.
Step It Up is part of a nationwide campaign calling on Congress to cut carbon emissions by 80 percent by 2050.


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Happy Valentine's Day week everyone! With date night coming up- I am here to help with makeup inspiration. The best looks for this Valentine's involve either lots of highlight, pink toned smokey eyes, or a bold contour. For my girls who don't necessarily like wearing a lot of makeup, definitely try the highlighted look! It adds a subtle glow to your complexion without being over the top. If you want too look more sassy try the smokey eye with a pop of color, or contouring. Find out below what products I used for each look!
ALSO: aren't my makeup models gorgeous???


Lucas Hnath's plays include A Doll's House, Part 2 (8 Tony® nominations, including Best Play); Hillary and Clinton; Red Speedo; The Christians; A Public Reading of an Unproduced Screenplay About the Death of Walt Disney; Isaac's Eye; and Death Tax. He has been produced on Broadway at the John Golden Theatre, Off-Broadway at New York Theatre Workshop, Playwrights Horizons, Soho Rep, and Ensemble Studio Theatre. His plays have been produced nationally and internationally with premieres at the Humana Festival of New Plays, Victory Gardens, and South Coast Rep. He has been a resident playwright at New Dramatists since 2011. Awards: Kesselring Prize, Guggenheim Fellowship, Whiting Award, two Steinberg/ATCA New Play Award Citations, Outer Critics Circle Award for Best New Play, an Obie, and the Windham-Campbell Literary Prize.


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text:
Book Bus Tickets From Chennai To Kadaladi
Home > Bus Tickets > Chennai to Kadaladi
All Bus Operators From Chennai to Kadaladi
Shri Baghyalakshmi Travels
2+1, Seater/Sleeper, Non A/C
Rs 600, 680, 500
SPG Travels
Rs 600, 700
About Chennai
Chennai, formally called Madras, is the capital city of Tamil Nadu. It is situated on the south eastern coast of India, which is surrounded by the Bay of Bengal. Traditional music and dance forms are the most popular in the city. In comparison to the hectic life of other cities like Mumbai and Delhi, Chennai tops the list of cities that is famous for its history, culture and tradition.
Budget Hotels in Chennai
There are several star rated and budget hotels in Chennai. Some of them are Mallika Residency (Tariff – Rs 350), Raj Residency (Tariff – Rs.900), Samco Hotel (Tariff – Rs 1725) and Hotel The Orchid Inns (Tariff – Rs.1265).
Langauage
The official language of Chennai is Tamil . The languages spoken by others who have made Chennai their home include Malayalam, Hindi, Bengali, Oriya, Punjabi and Telugu.
Pongal (January), Natyanjali Dance Festivals (February) and Ganesh Chaturthi (August) are important festivals of this metropolis.
Places to See in Chennai
Travelers can take pleasure in exploring the historical spots and major landmarks of the city. They areMarina Beach(15kms from bus stand), Crocodile Park (1.7kms from nearest bus stand), Elliot's Beach(7kms from bus stand), Parthasarathy Temple(2km from bus stand), Kapaleeswarar Temple(1.2km from bus stand), Ashtalakshmi Temple(2kms from Besant Nagar bus stand), andThousand Lights mosque(2.5km from Cathedral bus stand).
Chennai International Airport is located along Meenambakkam and Tirusulam, 7 km from the south of Chennai.
Chennai Central also fondly called Madras Central is a major railway hub in the city. It is positioned right adjacent to the headquarters of the Southern Railway, as well as the Ripon Building. The other busy railway terminus includes Chennai Egmore and Tambaram.
Chennai Mofussil Bus Terminus or CMBT is a major hub of activity that is located Koyambedu. Some of the best bus operators that offer exceptional experience for passengers include Palraj bus operator, Wahaan Tours & bus operator and KNP Tours bus operator. Log on to bus ticket online booking sites like Ticketgoose and book your tickets without any hassle.
About Kadaladi
Kadaladi
A taluk town in Ramanathapuram district of Tamil Nadu, Kadaladi is situated between Mudukulathur and Sayalkudi. The town used to be an important place of trade between Tamil Nadu and Sri Lanka. Kadaladi is well-known for its dry fish and jaggery and there are a lot of dairy farms in this region. Recently Jain idols belonging to the 12th Century were excavated from this town.
There are not many hotels in Kadaladi. Tourists' visiting the place can stay at the Hotel Sikandar, Kalaignar Hotel, Royal Guest House and RMS Lodge in Abiramam (27kms) that offers rooms from Rs.400 onwards.
The annual Sandhan Koodu festival celebrated at the mosque and Matha Chariot Process at the church in this town are popular.
Tamil is the Local Language here.
The Madasamy Temple, Sri KamatchiAmman Temple and Sri Muthumariamman Temple are located in the heart of this town near the bus stand.
The nearest airport is at Tuticorin (84kms)
The nearest Railway Station is at Sattirakkudi (33kms)
The Kadaladi Bus Stop runs regular bus service that connects the place to neighbouring towns. There are a great number of private bus operators like Abi & Abi Travels and Sri Bagyalakshmi Travels that run regular buses to and from the village. You can book bus online from various bus booking websites.


text:
Exploring the Life-Saving Potential of Naloxone: A Systematic Review and Descriptive Meta-Analysis of Take Home Naloxone (THN) Programmes for Opioid Users
Andrew McAuley, Lorna Aucott, Catriona Matheson
Other Applied Health Sciences
Farr Aberdeen
Institute of Applied Health Sciences
The epidemic of drug-related mortality continues to endure. The most common cause of death associated with drugs is overdose and opioids are consistently the substances most prominently involved. As well as efforts to control the availability of illicit drugs and increase engagement in treatment services, the use of naloxone for peer administration has increasingly been championed as a mechanism for addressing the DRD epidemic. Despite increasing adoption and use of take-home naloxone (THN) as a primary response to DRD internationally the evidence base remains limited.
A systematic review and descriptive meta-analysis of the international THN literature was undertaken to determine an effect size for THN programmes. For each study, a Proportion of Use (PoU) was calculated using the number of 'peer administered uses' and the 'total number of participant/clients' trained and supplied with naloxone with a specific focus on people who use drugs (PWUD). This was constrained to a three month period as the lowest common denominator. As a percentage this gives the three month rate of use (per 100 participants).
From twenty-five identified THN evaluations, nine studies allowed a PoU to be determined. Overall, the model shows a range of 5.2 to 13.1 (point estimate 9.2) naloxone uses every three months for every 100 PWUD trained.
Our model estimates that around 9% of naloxone kits distributed are likely to be used for peer administration within the first three months of supply for every 100 PWUD trained. Future evaluations should directly compare different training structures to test relative effectiveness and use a series of fixed time periods (3, 6 and 12 months) to determine whether time since training affects rate of naloxone use.
International Journal of Drug Policy
https://doi.org/10.1016/j.drugpo.2015.09.011
Opioid Analgesics
Take-home naloxone
McAuley, A., Aucott, L., & Matheson, C. (2015). Exploring the Life-Saving Potential of Naloxone: A Systematic Review and Descriptive Meta-Analysis of Take Home Naloxone (THN) Programmes for Opioid Users. International Journal of Drug Policy, 26(12), 1183-1188. https://doi.org/10.1016/j.drugpo.2015.09.011
Exploring the Life-Saving Potential of Naloxone : A Systematic Review and Descriptive Meta-Analysis of Take Home Naloxone (THN) Programmes for Opioid Users. / McAuley, Andrew ; Aucott, Lorna; Matheson, Catriona.
In: International Journal of Drug Policy, Vol. 26, No. 12, 12.2015, p. 1183-1188.
McAuley, A, Aucott, L & Matheson, C 2015, 'Exploring the Life-Saving Potential of Naloxone: A Systematic Review and Descriptive Meta-Analysis of Take Home Naloxone (THN) Programmes for Opioid Users', International Journal of Drug Policy, vol. 26, no. 12, pp. 1183-1188. https://doi.org/10.1016/j.drugpo.2015.09.011
McAuley A, Aucott L, Matheson C. Exploring the Life-Saving Potential of Naloxone: A Systematic Review and Descriptive Meta-Analysis of Take Home Naloxone (THN) Programmes for Opioid Users. International Journal of Drug Policy. 2015 Dec;26(12):1183-1188. https://doi.org/10.1016/j.drugpo.2015.09.011
McAuley, Andrew ; Aucott, Lorna ; Matheson, Catriona. / Exploring the Life-Saving Potential of Naloxone : A Systematic Review and Descriptive Meta-Analysis of Take Home Naloxone (THN) Programmes for Opioid Users. In: International Journal of Drug Policy. 2015 ; Vol. 26, No. 12. pp. 1183-1188.
@article{968536c0f1f149538ef89bd0f17a64f3,
title = "Exploring the Life-Saving Potential of Naloxone: A Systematic Review and Descriptive Meta-Analysis of Take Home Naloxone (THN) Programmes for Opioid Users",
abstract = "BackgroundThe epidemic of drug-related mortality continues to endure. The most common cause of death associated with drugs is overdose and opioids are consistently the substances most prominently involved. As well as efforts to control the availability of illicit drugs and increase engagement in treatment services, the use of naloxone for peer administration has increasingly been championed as a mechanism for addressing the DRD epidemic. Despite increasing adoption and use of take-home naloxone (THN) as a primary response to DRD internationally the evidence base remains limited.Methods A systematic review and descriptive meta-analysis of the international THN literature was undertaken to determine an effect size for THN programmes. For each study, a Proportion of Use (PoU) was calculated using the number of 'peer administered uses' and the 'total number of participant/clients' trained and supplied with naloxone with a specific focus on people who use drugs (PWUD). This was constrained to a three month period as the lowest common denominator. As a percentage this gives the three month rate of use (per 100 participants). Results From twenty-five identified THN evaluations, nine studies allowed a PoU to be determined. Overall, the model shows a range of 5.2 to 13.1 (point estimate 9.2) naloxone uses every three months for every 100 PWUD trained. ConclusionOur model estimates that around 9{\%} of naloxone kits distributed are likely to be used for peer administration within the first three months of supply for every 100 PWUD trained. Future evaluations should directly compare different training structures to test relative effectiveness and use a series of fixed time periods (3, 6 and 12 months) to determine whether time since training affects rate of naloxone use.",
keywords = "Take-home naloxone, drugs, opioid, mortality, overdose",
author = "Andrew McAuley and Lorna Aucott and Catriona Matheson",
note = "Date of Acceptance: 21/09/2015 This study was funded by NHS Health Scotland. The opinions expressed in this paper as those of the authors alone and are not necessarily those of NHS Health Scotland. The funders had no role in the conduct of the research.",
doi = "10.1016/j.drugpo.2015.09.011",
journal = "International Journal of Drug Policy",
T1 - Exploring the Life-Saving Potential of Naloxone
T2 - A Systematic Review and Descriptive Meta-Analysis of Take Home Naloxone (THN) Programmes for Opioid Users
AU - McAuley, Andrew
AU - Aucott, Lorna
AU - Matheson, Catriona
N1 - Date of Acceptance: 21/09/2015 This study was funded by NHS Health Scotland. The opinions expressed in this paper as those of the authors alone and are not necessarily those of NHS Health Scotland. The funders had no role in the conduct of the research.
N2 - BackgroundThe epidemic of drug-related mortality continues to endure. The most common cause of death associated with drugs is overdose and opioids are consistently the substances most prominently involved. As well as efforts to control the availability of illicit drugs and increase engagement in treatment services, the use of naloxone for peer administration has increasingly been championed as a mechanism for addressing the DRD epidemic. Despite increasing adoption and use of take-home naloxone (THN) as a primary response to DRD internationally the evidence base remains limited.Methods A systematic review and descriptive meta-analysis of the international THN literature was undertaken to determine an effect size for THN programmes. For each study, a Proportion of Use (PoU) was calculated using the number of 'peer administered uses' and the 'total number of participant/clients' trained and supplied with naloxone with a specific focus on people who use drugs (PWUD). This was constrained to a three month period as the lowest common denominator. As a percentage this gives the three month rate of use (per 100 participants). Results From twenty-five identified THN evaluations, nine studies allowed a PoU to be determined. Overall, the model shows a range of 5.2 to 13.1 (point estimate 9.2) naloxone uses every three months for every 100 PWUD trained. ConclusionOur model estimates that around 9% of naloxone kits distributed are likely to be used for peer administration within the first three months of supply for every 100 PWUD trained. Future evaluations should directly compare different training structures to test relative effectiveness and use a series of fixed time periods (3, 6 and 12 months) to determine whether time since training affects rate of naloxone use.
AB - BackgroundThe epidemic of drug-related mortality continues to endure. The most common cause of death associated with drugs is overdose and opioids are consistently the substances most prominently involved. As well as efforts to control the availability of illicit drugs and increase engagement in treatment services, the use of naloxone for peer administration has increasingly been championed as a mechanism for addressing the DRD epidemic. Despite increasing adoption and use of take-home naloxone (THN) as a primary response to DRD internationally the evidence base remains limited.Methods A systematic review and descriptive meta-analysis of the international THN literature was undertaken to determine an effect size for THN programmes. For each study, a Proportion of Use (PoU) was calculated using the number of 'peer administered uses' and the 'total number of participant/clients' trained and supplied with naloxone with a specific focus on people who use drugs (PWUD). This was constrained to a three month period as the lowest common denominator. As a percentage this gives the three month rate of use (per 100 participants). Results From twenty-five identified THN evaluations, nine studies allowed a PoU to be determined. Overall, the model shows a range of 5.2 to 13.1 (point estimate 9.2) naloxone uses every three months for every 100 PWUD trained. ConclusionOur model estimates that around 9% of naloxone kits distributed are likely to be used for peer administration within the first three months of supply for every 100 PWUD trained. Future evaluations should directly compare different training structures to test relative effectiveness and use a series of fixed time periods (3, 6 and 12 months) to determine whether time since training affects rate of naloxone use.
KW - Take-home naloxone
KW - drugs
KW - opioid
KW - mortality
KW - overdose
U2 - 10.1016/j.drugpo.2015.09.011
DO - 10.1016/j.drugpo.2015.09.011
JO - International Journal of Drug Policy
JF - International Journal of Drug Policy
10.1016/j.drugpo.2015.09.011Licence: Unspecified
© 2015. This manuscript version is made available under the CC-BY-NC-ND 4.0 license http://creativecommons.org/licenses/by-nc-nd/4.0/
Accepted author manuscript, 41.8 KB