Pick Up Litter to Celebrate Earth Day

first_imgPicking up litter and making an effort to waste less are greatways for Nova Scotians to celebrate Earth Day today, April 22,and to keep the province clean every day. “I encourage Nova Scotians to make it Earth Day every day,” saidEnvironment and Labour Minister Kerry Morash. “It’s easy toorganize a community litter cleanup, especially with help fromthe Great Nova Scotia Pick-Me-Up program that is run all yearlong by the Clean Nova Scotia Foundation.” Mr. Morash presented a trophy made of trash to high schoolstudents at the Shambhala School today. The classes registeredwith Clean Nova Scotia and picked up litter in their schoolcommunity. The class that collected the most litter won thetrophy. Elementary students at the school aimed to have “litter-lesslunches” this week by using reusable containers when possible.They weighed packaging waste produced from their lunches eachday. Mr. Morash presented a plant to the class with the leastwaste. “The students and staff at this school recognize the importanceof keeping communities litter free,” said Mr. Morash. “Theyprovide an excellent example for all Nova Scotians to reduce ourwasteful daily activities for the benefit of our citizens, ourvisitors and our wildlife.” Nova Scotians can register with Clean Nova Scotia to organize aGreat Nova Scotia Pick-Me-Up event. Each group will receive afree cleanup kit including garbage bags, blue bags, aninformation booklet, posters and a data card to record what hasbeen collected. To register, see the Clean Nova Scotia website at www.clean.ns.caor call 424-4252.last_img read more

Second Session of the SixtyThird General Assembly to Open Sept 6

first_imgThe second session of the 63rd general assembly will open at 2 p.m., Thursday, Sept. 6, with the lieutenant governor of Nova Scotia reading the speech from the throne. The first session will be prorogued at 11 a.m. It is necessary to prorogue the existing session to open a new session of the general assembly. -30-last_img

Babcocks last phone call connected with cell tower near Millards homecourt

first_imgTORONTO – When the final outgoing call came from the cellphone of a Toronto woman who vanished five years ago, her accused killers’ phones pinged off cell towers nearby, court heard Thursday.The prosecution in the first-degree murder trial of Dellen Millard and Mark Smich in the presumed death of Laura Babcock methodically walked two witnesses through a trove of cellphone tower location data for all three phones during the summer of 2012.The records show Babcock’s phone arriving at a cell tower near Kipling subway station in the early evening of July 3, 2012. Around the same time, Millard’s phone connected with the same cell tower.The pair of phones moved to a tower near Millard’s home on Toronto’s western edge where Smich’s phone connected with a nearby tower, according to data from a police analyst.Millard, 32, of Toronto, and Smich, 30 of Oakville, Ont., have pleaded not guilty in the presumed death of Babcock, whose body has not been found.The Crown contends Babcock was killed at Millard’s home because she was the odd woman out in a love triangle with Millard and his girlfriend.Court has heard that Millard was sleeping with several women at the time of Babcock’s disappearance and didn’t care much about the animosity between Babcock and his girlfriend.The final outgoing call from Babcock’s phone came at 7:03 p.m. on July 3, 2012, according to testimony from Danielle Fortier, who works with Rogers Communications.There have been no outgoing texts sent from her phone since, she said.Her final call was “consistent with someone calling voicemail and putting in a password,” Fortier said. She noted the numbers 2-2-2 were pressed on that call, which lasted 60 seconds.That call connected with a cell tower in Toronto’s west end, 450 metres from Millard’s home.The jury then watched the movements of three phones — Millard’s, Smich’s and Babcock’s — in animations created by Nicole Rebelo, an intelligence analyst with Toronto police.She compiled cellphone data provided by various phone companies, including Rogers, where Babcock had a phone registered in her mother’s name.“I took the electronic version of all three phones, sorted it by day and time and imported that into software and created a series of mapping motions,” Rebelo told court.Shortly after midnight on July 4, 2012, the phones began to move. They started at a tower near Millard’s home before all three moved westbound.The data showed Millard’s phone moving westbound, eventually pinging off towers near his farm near Waterloo, Ont., and his business, an aviation company, nearby. Then his phone headed back to Toronto.Smich’s phone moved westbound, eventually pinging off towers near his home in Oakville, Ont.Babcock’s phone moved west, but stopped in the middle of Mississauga, Ont.The Crown alleges the pair killed Babcock on July 3 or 4 at Millard’s home and burned her body in a large incinerator that was later found on Millard’s farm.last_img read more

UNICEF airlifts emergency supplies to Haiti

The UN Children’s Fund’s (UNICEF) $400,000 operation transported a 30-ton, 145-cubic-metre cargo load of emergency and basic medical, surgical and obstetric supplies to cover the needs of 30,000 of the most vulnerable women and children for three months, UN spokesman Fred Eckhard told reporters in New York.Humanitarian workers have had little access to critical areas where children and women are in dire need of assistance, according to UNICEF, which warned that Haiti’s extremely impoverished health and education systems are being weakened by violence and insecurity.Meanwhile, the World Food Programme (WFP) has a ship with 1,200 tons of food waiting offshore until security improves, Mr. Eckhard said. It lost 85 tons of food to looters in the northern town of Cap Haitien just over a week ago.The Pan American Health Organization (PAHO) said it began distributing fuel to 10 hospitals yesterday to help restore some services. Essential medicines and vaccines are being distributed on a limited basis only.In another development, the Office of the UN High Commissioner for Human Rights is planning to send an international human rights adviser to Port-au-Prince for a preliminary period of 6 months. Among other tasks, that individual will design the possible future UN human rights programme for the country. read more

PepsiCo CEO suggests people will still be able to get Diet Pepsi

by Candice Choi, The Associated Press Posted Jul 9, 2015 11:23 am MDT Last Updated Jul 9, 2015 at 12:00 pm MDT AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to RedditRedditShare to 電子郵件Email FILE – This Oct. 10, 2011 file photo, shows a can of Diet Pepsi, center, and other Pepsi varieties, posed for a photo in Philadelphia. The artificial sweetener in Diet Pepsi is about to change from aspartame to sucralose, but fans of the old formula may still be able to get it. (AP Photo/Matt Rourke, File) PepsiCo CEO suggests people will still be able to get Diet Pepsi sweetened with aspartame NEW YORK, N.Y. – The artificial sweetener in Diet Pepsi is about to change, but fans of the old formula may still be able to get it.PepsiCo said earlier this year it would replace the aspartame in Diet Pepsi with sucralose, another artificial sweetener many know as Splenda, in response to customer feedback. That change is set to take place in the U.S. starting this summer.But during a call to discuss its earnings Thursday, PepsiCo CEO Indra Nooyi said “for those consumers who still love Diet Pepsi with aspartame, we’ll figure out how to make it available online.”A representative for PepsiCo declined to elaborate on Nooyi’s comment.Whether there’s lingering demand for Diet Pepsi with aspartame remains to be seen. Seth Kaufman, vice-president of Pepsi, has said that the reformulated drink might have a “slightly different mouthfeel,” but that people will still be able to recognize the drink to be Diet Pepsi.According to the industry tracker Beverage Digest, Diet Pepsi was the seventh most popular soda brand in the U.S. last year. Diet Coke was the third most popular soda, following regular Coke and regular Pepsi.Both Diet Pepsi and Diet Coke have seen declining sales volume, however, with executives blaming concerns people have about aspartame. Coca-Cola Co., based in Atlanta, has said it has no plans to take out the aspartame in Diet Coke.John Sicher, publisher of the industry tracker Beverage Digest, said making Diet Pepsi with aspartame online would be a smart move for PepsiCo.“They can tell consumers, if you want the old one, we have it for you,” he said. read more

Burundi UN chief urges calm amid countrys political crisis

“We are following from here with great concern developments on the ground in Burundi,” UN Spokesperson Stéphane Dujarric told reporters at the start of the regular daily briefing at the world body’s New York Headquarters, adding that the Secretary-General urgently calls on all parties to exercise calm and restraint. “He reminds all Burundian leaders of the need to preserve peace and stability in a country that has suffered so grievously from previous bouts of violence,” said Mr. Dujarric, emphasizing that the UN is evaluating developments amid a “very fluid” situation. The Spokesperson said that Headquarters is in contact with UN Special Envoy for the Great Lakes Region Said Djinnit who is currently in Dar-Es-Salaam, Tanzania for the Summit of the East African Community.A Flash Update released today by the UN Office for the Coordination of Humanitarian Affairs (OCHA) said that a coup d’état had reportedly taken place in the Burundian capital after President Pierre Nkurunziza left for the Summit, which was intended to try to resolve the crisis, although OCHA’s update added that the situation is “rapidly evolving and confused,” with many reports emerging that are difficult to confirm.Tensions have been simmering in Burundi for weeks ahead of planned elections. Popular protest erupted after the country’s ruling National Council for the Defence of Democracy – Forces for the Defence of Democracy (CNDD-FDD) party nominated on 26 April Mr. Nkurunziza as its presidential candidate for a third term.The Flash Update said there were no significant new humanitarian developments since yesterday and noted official figures reported yesterday of 20 deaths and 200 wounded. It added that refugee numbers had risen above 70,000.According to the UN Refugee Agency (UNHCR) figures, 25,455 people had crossed into Rwanda as of 11 May, with 8,750 in Democratic Republic of the Congo as of 12 May, and 37,474 as of 13 May in Tanzania, comprising 15,452 new arrivals in Nyarangusu Camp. A further 20,000 were reported to be waiting in Kagunga village, and 2,022 on the way to Nyarangusu Camp. Several hundred people were reported to be in hard-to-reach areas with limited support. Some people were reported by the Office of the United Nations High Commissioner for Human Rights (OHCHR) to have returned to southern Burundi after initially fleeing to Tanzania, citing worsening humanitarian conditions, particularly around Kagunga village. read more

Treaties against human trafficking key to fighting scourge supporting victims – UN

With these challenges in mind, Mr. Brandolino said that for him, two core messages stand out in the Summit’s outcome, the New York Declaration: first, a desire to protect and save lives in peril, born from a profound solidarity for the millions of persons around the world who are forced to flee their homes; and second, moving beyond moral compassion, to a call for action. In the Declaration, States reiterate in the strongest language their commitment to fight human trafficking and migrant smuggling.He went on to reconfirm the centrality of the Protocol to Prevent, Suppress and Punish Trafficking in Persons, known as the TIP Protocol, saying: “This treaty provides us with the first and only internationally agreed upon definition for trafficking in persons, and steers our common efforts with a clear framework for action – a framework which UNODC has been successfully delivering upon for the last 15 years, often with the generous support of partners like the EU and the United States.” The New York Declaration actually reaffirms the importance of the UN Convention against Transnational Organized Crime, and the two Protocols – the Trafficking in Persons Protocol and the Smuggling of Migrants Protocol. Specifically the TIP is one of the most successful treaties in modern international law, enjoying one of the speediest ratification trajectories ever, and soon approaching universality, he said, noting that as of today, there are 170 ratifications, or nearly 90 per cent of all Member States, including most recently, the Republic of Korea, Singapore and the Maldives.Mr. Brandolino noted that UNODC is also facilitating direct support to victims of trafficking in persons through the UN Voluntary Trust Fund for Victims of Trafficking in Persons, Especially Women and Children, and that around 2,000 victims a year are being provided critical assistance, such as safe shelter, legal support and advice on victims’ rights, appropriate treatment for physical and mental abuse, vocational training, establishing small businesses, schooling for children, and basic health services, among others. “The Trust Fund has so far allocated nearly $3 million and stands ready to continue this work should more donations be made,” he added.Wrapping up his presentation, he said “commitment yields results,” and “the Trafficking in Persons Protocol is the cornerstone of our response and should continue to be so. More than 15 years on, this hard-won instrument appeals to nearly all States while containing progressive, forward-looking provisions which promote the protection of victims. A young woman from a fishing community in West Bengal in eastern India. She comes from a village that is known for high levels of trafficking of women and girls to other major cities. Photo: UN Women/Anindit Roy-Chowdhury John Brandolino, Director of the Division for Treaty Affairs at the UN Office on Drugs and Crime (UNODC), spotlighted the importance of international treaties and agreements in tackling human trafficking in his address to a Headquarters event co-hosted with the European Union (EU) following up last week’s first-ever UN Summit for Refugees and Migrants. “The forthcoming biennial 2016 UNODC Global Report on Trafficking in Persons, which will be released in November, confirms that human trafficking flows generally follow the overall migratory flows, he said, adding that the majority of trafficking victims detected globally by Member States (around 60 per cent) are foreigners in the country of detection, most of them migrants.Likewise, information collected for the Global Report has shown an increasing detection of victims from conflict-affected countries such as Syria, Iraq and Somalia in countries in Europe, Asia and the Middle East.The continuing vulnerability of women and children as victims of trafficking in persons will also be revealed in the Global Report, comprising 79 per cent of the total victims detected. The EU Anti-Trafficking Coordinator’s Progress Report from June of this year came to the same conclusion, highlighting the particular vulnerability of migrant children, he added.Further, EU data confirms that child trafficking is exacerbated by the ongoing migration crisis, during which the number of children arriving in the EU has risen exponentially. A significant amount of these children are travelling unaccompanied, making them preferred targets for traffickers. read more

Urban Meyer wants to reward Ohio State students with Appreciation Day

OSU coach Urban Meyer sits in his office at the Woody Hayes Athletic Center during an interview with The Lantern March 24.Credit: Ritika Shah / Asst. photo editorIf you’re an Ohio State student, Urban Meyer wants to see what you’ve got.Much like last spring when the Buckeyes and Meyer welcomed students to an open practice and one student got a chance to kick a field goal, OSU’s football coach is looking to do something similar this year. This time, though, it’s about speed.A student will go up against two of the fastest players on the team — sophomore running back Dontre Wilson and senior wide receiver Devin Smith.“We’ve always tried to get the students involved and have ownership,” Meyer said in an interview with The Lantern Monday. “I did this one other time (at Florida), where I wanted to see a couple students race our players in front of 80,000 people in a spring game. So we added a fastest student contest.”Students who are interested in competing are to report to the Biggs Lobby at the Woody Hayes Athletic Center Wednesday at 5 p.m., Meyer said. There they can learn more about the event and take part in the first rounds of testing.A series of semifinal races are then scheduled to take place at OSU’s Student Appreciation Day April 5, which is slated to begin at 11 a.m. That winner then will get a chance to show their talent on an even bigger stage — Ohio Stadium — at halftime of the Spring Game April 12.If that student is able to beat out Smith and Wilson in a race, there might just be a future for them with the Buckeyes.“I hope not. I hope they can’t,” Meyer said of the chance a student has at beating his players. “If they can, I’m going to recruit them and get them on our team.”The semifinals of the race are not the only event scheduled for Student Appreciation Day: flag football is set for the same day.In the interview, Meyer emphasized the importance of students to the team and the university in general.“Take away the students and I don’t have a job … our president doesn’t have a job,” Meyer said. “All our focus (is) around boosters and whomever, and I get that. But I’m never gonna … I want students on our side.”Meyer mentioned that when he was the head coach at Bowling Green, he and players “went to every fraternity, every sorority, every student union group, student organization and taught them the fight song.”Meyer said he wants the student body fully invested in the football program.“What makes the energy in that stadium is our football team and our students,” Meyer said. “All due respect to the other 80,000 or whatever it is, it’s the students that create the buzz in the stadium. And we want to reward them.” read more

Sandvik launches new pilot bits for more efficient raise boring

first_imgSandvik says that the introduction of RR880 represents a new range of pilot bits for raise boring, given a new design to increase bit life and productivity, and reduce cost per metre. Most raise boring applications begin with the drilling of a pilot hole. The general length of a pilot hole varies from 30-1,000 m, with standard drill pipes of 1.5 m length.The time and cost involved in pulling the pipes out from a deep pilot hole is significant and the service life of pilot bits is therefore crucial when it comes to keeping down cost and time for any raise boring project. One of the main reasons for changing bits in the hole is gage wear. Consequently, in order to extend the service life of the pilot bits, a lot of the development work Sandvik has made on the new bit design has focused on improving gage protection. The new Sandvik RR880 premium pilot bits provide both durability and hole straightness and up to 35% longer bit life than its predecessor, substantially reducing the time and cost for changing tools.“With the new Sandvik RR880 pilot bits, you can drill longer between bit changes. Fewer bit changes meansshorter project times and increased profit at the end of the day”, says Göran Strand, Product Line Manager,Sandvik Mining. As a leading supplier to the mining industry, Sandvik says its full offering of rock tools “delivers the best combination for all for raise boring and blind boring up/down, and for both vertical and horizontal drilling.” The system features a wide range of reaming heads in a number of sizes and types, suitable for any raise boring or reaming applications. “Highly trained, expert engineers from Sandvik are equipped to provide the right parts and service for safe operation, low operating costs and long service life.”last_img read more

Column Whats the point of our national anthem today

first_imgTONY MULQUEEN, a councillor with Clare County Council, recently asked RTÉ to broadcast the national anthem “each night before midnight in the spirit of Irish pride and nationhood.”However, replying for the corporation, Peter Feeney has said that to do so would be “cumbersome” and “counter-productive” in respect of Cllr Mulqueen’s aims.National anthems are the product of emerging nations in search of cultural validation. Along with the flag, the currency, and a range of other invented ‘traditions’, the national anthem is one of the means whereby an imaginary unit (‘Great Britain’, for example) is compelled into existence.Given the fragmented, often illusory nature of modern nationhood, it’s no wonder that such pieces of music are frequently contentious.National anthems are intended to be what the theorists call ‘metonymic’, in so far as they stand in for the country with which they are associated.Some national anthems are amongst the most famous and most metonymic pieces of music in existence: who can hear La Marseillaise or God Save the Queen (or King) or The Star-Spangled Banner without conjuring the nations with which these songs are associated?On the other hand, you may be less familiar with Jana Gana Mana (India), Ee Mungu Nguvu Yetu (Kenya) or El Gran Carlemany (Andorra).And then there’s Amhrán na bhFiann – A Soldier’s Song (or is it The Soldier’s Song or The Soldiers’ Song?). Someone looking for a crash course in modern Irish history could do worse than trace the troubled status of that piece of music from the time of its composition in 1907 down to the present day.As Kevin Myers wrote in 2010: “A debate about the utility and the suitability of Amhrán na bhFiann is as seasonal as spring: it’s what we do, whenever the rugby season isn’t going so well.”PredicamentThe exchange between Cllr Mulqueen and Mr Feeney may be regarded as the latest exchange in that debate. Such an exchange can, moreover, be troped in all sorts of ways: country versus city, tradition versus modernity, duty versus pragmatism. One suspects, given the ongoing assault upon traditional notions of nationhood, that Mr Mulqueen is likely to remain disappointed.Anyone who doubts the continuing power of the national anthem as a sign of Irish identity should recall that magical evening back in August when Katie Taylor stood in front of ExCel Arena in London to receive her gold medal.And yet, if you look at the footage of the ceremony you’ll notice that the Golden Girl is not exactly bursting forth in song. It’s not quite as embarrassing as that famous scene when John Redwood, the newly-appointed Secretary of State for Wales, tried to blag his way through the Welsh national anthem (Hen Wlad fy Nhadau) – exposing, in a way that commentary or newsprint never could, the poverty of Tory claims to hegemony (find it on YouTube: it’s hilarious).Nevertheless, many of us will be familiar with Taylor’s predicament on the night. My own engagement with Amhrán na bhFiann has always been anxious, both in terms of the sentiments expressed by the words, as well as the language in which they’re expressed. By the age of fourteen I knew every lyric to every Beatles song, but from whatever combination of laziness, impatience and alienation, I could never get past ‘Sinne Fianna Fáil’.From a musical perspective, there seems to be an implicit tension between national anthem lyrics (which tend on the whole to extol the virtues of the imagined nation) and the music itself, which frequently bears an uncertain relation to the musical traditions of the nation it is supposed to represent.Jimi Hendrix alerted the world to the power of ‘mishearing’ the national anthem when he performed that blistering version of ‘The Star-Spangled Banner’ at Woodstock in 1969. Would a jazz version of that same piece make people (including Americans) feel differently about the USA? How about a flamenco version of La Marcha Real, or a reggae version of Jamaica, Land We Love?And what would an ‘Irish’ national anthem sound like? What are the distinguishing characteristics of ‘Irish’ music in the international soundscape?Perhaps, following the stereotypical logic of a movie like Titanic, we should have two national anthems: one, slow and yearning (low whistles, atmospheric ‘Celtic’ harmonies) to be played on occasions of gallant defeat; and another, wild and raucous – the full diddley-eye treatment – to be performed when we actually manage to win something.Gerry Smyth is a lecturer at Liverpool John Moores University.last_img read more

Column Getting financial advice is a good idea but check the small

first_imgPension Regular Premium€1000 per month€1,200.0010% Initial, 3% Renewal Mortgage Protection / Life Assurance€50 Per Month€1,080.00180% of Year 1 Premium * Override is additional loyalty or bonus commission earned for placing more business with a firm. Who Pays?So, who pays for the advice if you are not paying? Who pays for these high commissions?The client always pays.It may not seem obvious right from the start, but the commissions are earned back over a number of years by higher annual management fees. In the UK, where most commissions have now been banned, Investment Management Fees are significantly lower. Typical investment and pension management fees in Ireland are around 1 per cent-1.25 per cent and can be as high as 2 per cent.This doesn’t even take account of other costs within investments, that don’t have to be declared, but that is a discussion for another day. When commissions are removed from the equation, these charges can be at least 50 per cent lower and over the life of a pension fund that can make a huge difference. For a 30-year-old, putting €500 per month into a pension, reducing management fees from 1 per cent to 0.5 per cent can increase his pension pot at age 65 by over €60,000.Life assurance policies pay out similar generous commissions to brokers, although the immediate impact is even less obvious. Often the first two years of premium go to pay broker commissions. Life Cover is generally 10 per cent-15 per cent lower for ‘nil commission’ contracts, but again that will generate a big saving over a typical 20 years mortgage protection policy.How much to Pay?I fully understand that everyone has to be paid for their work, and you can’t expect a financial advisor to work for nothing. However, in my experience since starting in the industry, advisors are paid far too much for very simple and straightforward advice. The amount an advisor earns should be directly linked to their skill and the quality of advice given. This can only be determined by the client and should never be determined by the product providers.Selling a simple mortgage protection product really should be very difficult and it’s not a complex product. Investment advice can be extremely complex, but in so many cases recently, I have seen brokers walk away with five-figure commissions for one hour of work selling a ‘Capital Guaranteed’ bond to a client.Where to go?Next time you are getting financial advice, ask your advisor if they offer a ‘fee based’ service, and how that would compare to commissions. Check their Terms of Business to insure they have a large number of agencies and that they have clearly set out their fees. Then negotiate what you feel is a fair amount of compensation for the work completed. A register of ‘fee based’ advisors is difficult to find as there are not very many of them out there. The Financial Planning Standards Board has a register of Certified Financial Planner™ Professionals, which is the highest qualification for financial advisors in Ireland, but doesn’t guarantee a fee bases. The Society of Financial Planners is another good source of information on ‘fee based’ advisors.Here are the top five questions you should be asking:Five key questions to ask a financial advisor before engaging with them: How do you get paid? Do you offer a transparent fee based service with no commissions?What are your qualifications? Do you have any post graduate qualifications, CFP™ or other qualification other than the basic QFA?What software, research and advice tools do you use to find me the best solution? (Otherwise advisors tend to just use the latest marketing material provided by their favourite life assurance or investment company)How many different companies do you deal with, and why? (Many advisors have a preference for one or two companies in order to earn override (bonus) commissions, even though they claim independence.Can you offer broad advice or are you a specialist? Are they a mortgage broker who offers other advice, or are they fully trained in all aspects of personal financial planning?David Quinn is the Managing Director of Investwise.ie. Established in 1988, Investwise is the trading name of Fitzpatrick Morris Financial Services Limited. With years of experience in the financial industry, they offer independent services and advice on a range of financial matters.‘The banks are not lending’ belief is stopping SMEs applying for loans>Column: Here’s how to protect your bank deposits in this unsettled economy> Product TypeAmountCommission EarnedNotecenter_img I CAME INTO the ‘Financial Advice’ industry relatively late, in my 30s. After completing my university degree I worked for a couple of investment banks in the IFSC. This gave me a great insight into how the investment management industry worked and where all the fees went. In 2006 I decided it would be more satisfying to work with real people, not institutions, and actually try to use all the knowledge I had gained to actually help make a small difference.To say I was shocked by the Financial Advice model would be an understatement. To get comfortable with all the complex products and charging structures I started with a life assurance company and did a six week ‘induction’ course. This had very little to do with good advice, and more to do with sales craft and how to lead clients towards buying products. The intentions were good overall, as they tried to help clients secure their financial future, but the incentives to abuse clients were huge given the high commissions available for financial products.There are a very large number of financial advisors in Ireland, most of whom are solid, reliable and well-intentioned individuals. They have the client’s best interests at heart. But there is a big problem: high commissions mean there is always a conflict of interest when dealing with clients and many are far too well paid for their efforts.Commission feesThe best financial advisors I have come across have enough confidence in their abilities to charge a fee, rather than earning commissions. They feel they can add value to their clients and give enough high quality advice to be able to charge their clients directly. However, these fees are only a drop in the ocean compared to the potential commissions on offer when selling life assurance and pensions.As an example, I came across a client recently who had been given advice by a long term broker friend of his, where the broker potentially trousered €75,000 in commissions without the client knowing. Now that is an extreme example, but it is worth noting that the average commission, including override, available on a €50,000 lump sum investment is €2,250. Just consider that figure and how much work a professional service provider such as an accountant or your local dentist would have to do to justify that fee.To give some further examples, here is a table of typical commissions earned: Investment Lump Sum€100,000€3,750.003% + .75% Override Pension Single Premium€10,000€625.005% + 1.25% Override*last_img read more

How to tether for free from your Android device no root required

first_imgCarriers like to charge for tethering, as it’s another pricey feature they can add to wireless bills. Customers don’t like being charged for tethering, as they’re paying a second time for the data they’ve already paid for. In these kinds of business/customer conflicts, the balance of power is usually decided by the amount of competition. As there are only four major carriers in the US, it’s now established that tethering costs consumers money. Fortunately for customers there are developers like Koush who are looking to shake things up. He has released a new app that tethers for free without requiring root.The app is called Clockworkmod Tether, and it’s now in alpha. It tethers to a Windows, OS X, or Linux machine via USB. Not only does it bypass the requirement of paying extra for tethering, but it also goes undetected by the carriers.If this sounds familiar, it’s because it does essentially the same thing as PDANet. It too will tether via USB without carrier detection, but there’s a big difference: PDANet costs $16 (for the full version), and Clockworkmod Tether is free. But as Koush’s new app is only in alpha and it will stop working on January 7 (he will release updates before then), there’s nothing stopping him from charging for it later.In the meantime you can try Clockworkmod Tether by following these steps:1. Download the Clockworkmod Tether desktop app from one of the following links: Windows, Mac, Linux2. You’ll need to have ADB drivers for your Android device installed on your computer (that usually means installing the Android SDK).3. Connect your device to your PC via USB4. Open the app and press start. It should start tethering your device’s connection to your desktop.If you run into device detection errors, then you’ll want to double check that you have the ADB drivers installed. If your device is detected but the app isn’t properly working, try restarting it.via Koushik Dutta, Droid-Lifelast_img read more

Kidney disease goodwill

first_imgYou may not expect kidney disease to happen to you but statistics show that people can lose up to 90 percent of their kidney function before experiencing any symptoms and within a few days can find they are on dialysis. This is what happened to Harry Efthimiadis, 49, from Clarinda when he was diagnosed 10 years ago. Yet to his fortune, Leon Carver, a teammate from his previous cricket club, Knox Chiefs offered him a kidney out of the blue. Efthimiadis said that he was surprised because, “we never really kept in touch because to be honest, I was a bit of a bastard.. so I said don’t be stupid.”After five years of offering and the development of a strong friendship, Efthimiadis finally accepted his best friend’s offer and underwent a transplant last November. Mr Efthimiadis now works at the Monash Medical Centre as an orderly so that he can care for patients of dialysis and the two continue to remain the best of friends.National Kidney Week began yesterday and Kidney Health Australia launched a national advertising campaign to create awareness that one in three Australians is at increased risk of Chronic Kidney Disease. Diabetes, a family history of kidney disease, being over the age of 50, smokers and especially those with obesity and high blood pressure are at higher risk of the disease, which is why the association suggests regular blood pressure checks and losing excess weight through healthy eating if obese. Kidney Health Australia will also be conducting free blood pressure checks across Australia as part of its Measure Up campaign, see www.kidney.org.au for locations. Facebook Twitter: @NeosKosmos Instagramlast_img read more

2016 Melbourne Art Fair cancelled

first_imgThe 2016 Melbourne Art Fair has been cancelled, with doubt cast over the future of the 28-year-old biennial art event.In a statement released this morning Anna Pappas, chair of the not-for-profit Melbourne Art Foundation, announced the decision to abort this year’s fair, slated for August, due to the withdrawal of a number of high-profile galleries this week.“The aim of the Foundation is to always showcase the best Australian contemporary art and support living artists and their galleries,” Pappas explained. “With a new and expanded vision planned for the 2016 Fair, we needed the full support of our constituents in order to generate national interest, support satellite events and attract international collectors.“Whilst this situation is deeply disappointing, the Board understands the economic imperatives of commercial galleries, and the many shifts in the global contemporary art market. A decision as to the future of the Fair beyond 2016 will be made in due course after further careful assessment by the Board.”The cancellation follows the Melbourne Art Foundation’s severance of its contract with the Tim Etchells–led Art Fairs Australia, the organisation appointed to manage the fair, just 18 months into its 20-year term, in August 2015.Source: art.guide Australia Facebook Twitter: @NeosKosmos Instagramlast_img read more

Somarapu Satyanarayana likely to jump on BJP bandwagon

first_imgKarimnagar: Senior leader, Ramagundam constituency ex-MLA and TSRTC former chairman Somarapu Satyanarayana is reportedly shifting loyalty to BJP. Earlier, MPs D Arvind (Nizamabad) and Bandi Sanjay Kumar (Karimnagar) invited Satyanarayane into BJP at Satyanarayana’s residence in Goutami Nagar in Ramagundam on Sunday. After that, Satyanarayana proceeded to Hyderabad along with 500 followers to join the BJP. Corporators Kodhati Praveen, Somarapu Lavanya, Arun Kumar, Dharani Jalapathi Swaroopa, youth and women belonging to the local area accompanied him on his journey to Hyderabad.last_img read more

Hotels fast food centres raided in Nellore

first_imgNellore: Officials from the Food Safety wing and Nellore Municipal Corporation conducted surprise checks on hotels in Nellore city and collected food samples from them for lab investigations. Officials led by Food Safety Designated officer Srinivas and Corporation Commissioner PVVS Murthy conducted a special drive in the city on Friday and inspected 10 hotels that have been serving stale food to the public. Officials found the uncooked food was stored in freezers and non-vegetarian dishes in the hotels. They found some kitchens were in an unhygienic condition. PVVS Murthy stated that officials including Food Safety, Public Health and Sanitation wings have conducted a special drive in the city on hotels. He said they had instructed the managements of the hotels and fast food centres to serve healthy meat directly from the slaughterhouses.last_img read more

Picture of Soundarya Rajinikanths son playing with his stepfather is the cutest

first_imgVishagan having fun with Soundarya Rajinikanth’s son Ved Krishna.Soundarya Rajinikanth Twitter AccountSoundarya Rajinikanth’s son Ved Krishna seems to be getting along well with his step-father Vishagan Vanangamudi. It becomes evident after she posted a picture of her son being pampered by her hubby on Twitter.The filmmaker posted a picture in which Ved Krishna is playing with Vishagan. She posted the photo and captioned, “And that’s what a #Blessing looks like ❤️❤️❤️❤️ #MyBoys #MyLife #Ved #Vishagan #Grateful #Blessed #GodsAreWithUs. [sic]”We hear stories of step-parents having difficulties in bonding with the children of their partners, but it seems unlikely in case of Soundarya Rajinikanth.Soundarya Rajinikanth wedded Vishagan as per the Hindu customs on 11 February in a grand event at The Leela Palace, MRC Nagar in Chennai. The marriage was graced by big names from political circle and film industry. It was followed by a lavish reception which was graced by well-known businessmen that include Mukesh Ambani.Soundarya was earlier married to industrialist Ashwin Ramkumar. Their seven-year marriage ended in 2017 with a divorce and their child is Ved Prakash. Whereas businessman Vishagan Vanangamudi had also ended his first marriage.He made his acting debut in Manoj Beedha’s Vanjagar Ulagam and was part of a few movies in small roles. Reports say that he was the first choice to play the lead in Sigappu Rojakkal 2. 1/3 Soundarya Rajinikanth with her son Ved Krishna at her wedding.MIM (Made in Mono) PhotographySoundarya Rajinikanth’s mehendi ceremony.MIM PhotosAishwarya Dhanush with Soundarya Rajinikanth’s son Ved Krishna.Soundarya Rajinikanth’s Twitter AccountPreviousNextlast_img read more

Indian artists imagine an unknown Russia

first_imgThe third edition of the Indian Artists Paint Russia art camp brought together a group of artists here who painted images of the country solely based on their imagination.Held for the first time in July 2011, the annual Art Camp has been gaining popularity among artists in the Indian capital, with the 2013 edition breaking all records with the participation of 17 artists. Indian Artists Paint Russia is being held at the Russian Centre of Science and Culture (RCSC), which is jointly organising the event with the Forum of Indian Photographers and Artists (FIPA). This year’s main theme is city life, with the artists being asked to focus on A Day in Moscow. Also Read – ‘Playing Jojo was emotionally exhausting”This year, we decided to split the display: the main part includes this year’s works, but next to them, you can see the paintings by the participants in previous Art Camps and those created by our guests of honour, including (Russian artist) Maxim Pridanov,’ said Anastasia Khokhlova , head of the RCSC cultural department.The camp is the second workshop in the series for Padmini Mehta and Aakshat Sinha, the latter having been granted the honorary status of its curator. He is the only participant to have been to Russia. Also Read – Leslie doing new comedy special with Netflix’Russia is an unfailing source of inspiration,’ Sinha said. ‘If they asked me to paint my most overwhelming impression of Russia, I would definitely paint Tsvetnoy Bulvar, where, between two busy roads, there’s a park with benches and very beautiful people sitting on them.’ This year, Sinha painted the fans of FC Spartak Moscow against the background of the Red Square. ‘Each city must have football fans,’ Sinha explained.For Mehta, Russia is a vibrant country. ‘People are very sweet, cooperative. That I really like.’ In Mehta’s painting, Russian girls enjoy a circle dance on snow-covered mountain peaks next to a pianist playing Tchaikovsky. The background features Victory Day fireworks. Sugandha Menda learnt about the workshop from her father. ‘My dad introduced me to the Art Camp. He was part of it much earlier, two years ago,’ she said, admitting that the hardest thing for her was to choose something special about Russia to paint.’But I asked myself: I have never been to Russia, so what shall I do? My father advised me to look through all the photos on the internet about the history of Russia, whatever I could find. Then we were given a few books and started painting. By that time, I realised that I had the feeling that Russia was famous for snow and its winter. Many people also told me that winter in Russia was amazing. And the architecture is something magnificent.’last_img read more

Google mistakenly altered settings on Pixel phones Whoops

first_imgYour confusion would be totally understandable. A host of Pixel smartphone owners found themselves with small mystery on their hands earlier this week, after they noticed that the battery-saver feature on their phones had randomly engaged — despite the phones having almost full charges. Who, or what, was to blame? A glitch? Perhaps a forgotten setting, toggled on long ago?Nope. It would, in fact, be Google — remotely changing settings on people’s phones in the background with no notification or warning. And oh yeah, Google didn’t even mean to. Android Police noticed the strange occurrence, reporting that a “substantial number of Pixel owners” claimed to be affected by what at first seemed like a bug. Importantly, battery saving mode changes the way your phone works in order to (you guessed it) preserve battery life. This means, among other things, that apps wouldn’t refresh unless first opened — not an ideal situation for someone waiting for an important email, for example. According to a Google statement on r/GooglePixel, this was caused by a small slip up on the company’s end. “[Some] of you may have noticed that battery saver turned on automatically today,” read the post. “This was an internal experiment to test battery saving features that was mistakenly rolled out to more users than intended. We have now rolled battery saver settings back to default. Please configure to your liking. Sorry for the confusion.”Which, that clears everything up then, right? Yes and no.  Image: RAYMOND WONG/MASHABLEWhile Google being able to push updates to Pixel phones is vital for all kinds of security reasons, the fact that the company could send out an “internal experiment” to consumers’ phones without those Pixel owners even being aware it happened does raise a few questions. Namely, has anything like this happened before? And, if so, has this resulted in any problems for Pixel owners in the past? We reached out to Google in an attempt to get to the bottom of this, but received no answer as of press time. While mistakenly changing a phone’s settings to enable battery-saving mode at the wrong time, and then remotely quickly fixing the problem, isn’t that big of a deal, at the end of the day it does serve as a larger reminder of just how little control we have over our own devices. And hey, next time your phone does something inexplicable and weird, you now get to wonder if someone in a nondescript Google office building accidentally clicked the wrong mouse button. Fun, right? Well that’s interesting.By Jack Morse2018-09-15 21:39:46 UTClast_img read more

Limited space left for 18 remaining Sandals workshops

first_imgLimited space left for 18 remaining Sandals workshops Posted by TORONTO — Ready to head into the final month of its cross-Canada tour of educational workshops, Sandals Resorts is sending out a reminder to agents that there is still limited space available for the September sessions. Sandals is encouraging agents to register now for the informative workshops, to get a jump on the fall-winter season and to help agents take their Sandals Resorts and Beaches Resorts sales to the next level. During the fast-paced sessions, agents will learn how Sandals’ next level innovations translate into repeat clients and increased commissions.Agents in Calgary and surrounding areas are encouraged to attend the Sept. 12 workshop which will feature special guests including Tammy Gonzalez, CEO, Unique Vacations, Inc.; Gary C. Sadler, Senior VP Sales, Unique Vacations, Inc. as well as the soon-to-be-announced new Business Development Manager in Alberta.The majority of workshops take place in the morning (7:45 a.m. – 12:30 p.m.) however there two afternoon sessions (1 p.m. – 5 p.m.) in Laval and Quebec City and two evening sessions (5 p.m. – 9 p.m.) in Toronto and Ottawa. All workshops in Quebec will be conducted in French.More news:  CIE Tours launches first-ever River Cruise CollectionThe workshops also fulfill the educational requirement towards becoming a Certified Sandals Specialist, as well as the maintenance requirement for agents already holding CSS status. The Sandals workshops are also ACTA-approved and each travel agent or manager who completes a workshop receives 10 credits towards their Certified Travel Counsellor or Certified Travel Manager designation. A non-refundable fee of $40 is required at time of registration. All participants will receive a workbook, a supply of the newest collateral materials, a certificate upon completion of the workshop and an exclusive booking incentive. Agents can register online at uvisandals.ca. Here’s a list of the remaining Sandals 2018 Canadian workshops:September 5 – Surrey, BCSheraton Vancouver Guildford Hotel, 15269 104th Avenue September 5 – Laval, QC (AFTERNOON)Le St-Martin Hotel, 1400 rue Maurice-GauvinSeptember 6 – Victoria, BCFairmont Empress, 721 Government StreetSeptember 6 – Toronto, ON (EVENING)Holiday Inn Toronto-Yorkdale, 3450 Dufferin StreetSeptember 7 – Vancouver, BCCentury Plaza Hotel & Spa, 1015 Burrard StreetSeptember 11 – Edmonton, ABCourtyard by Marriott Edmonton West, 10011 184th Street NWMore news:  Flights cancelled as British Airways hit by computer problemSeptember 11 – Saint-Hyacinthe, QCHoliday Inn Express, 1500 rue Daniel-Johnson EstSeptember 12 – Quebec City, QC (AFTERNOON)Complexe Capitale Hélicoptère, 1688 route de l’AéroportSeptember 12 – Calgary, ABCoast Plaza Hotel & Conference Centre, 1316 33rd Street NESeptember 13 – St. John’s, NLFairfield Inn & Suites, 199 Kenmount RoadSeptember 18 – Boucherville, QCHotel Mortagne, 1228 rue NobelSeptember 19 – Kitchener/Cambridge, ONCambridge Hotel & Conference Centre, 700 Hespeler RoadSeptember 20 – London, ONBest Western Plus Lamplighter Inn, 591 Wellington Road SouthSeptember 20 – Ottawa, ON (EVENING)Ottawa Conference & Event Centre, 200 Coventry RoadSeptember 25 – Dartmouth, NSBest Western Plus, 15 Spectacle Lake DriveSeptember 26 – Saint John, NBLily Lake Pavilion, 55 Lake Drive SouthSeptember 26 – Mississauga, ONHilton Garden Inn Toronto Airport West, 1870 Matheson Blvd.September 27 – Moncton, NBRoyal Oaks Golf Club, 401 Royal Oaks Blvd. Share Tags: Sandalscenter_img Travelweek Group Tuesday, August 21, 2018 << Previous PostNext Post >>last_img read more