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High Court's Geoffrey Ma tipped as next top judge
Posted Feb 28th 2010, 12:00am by Staff Reporter
... of Final Appeal's Roberto Ribeiro, High Court judge Louis Tong Po-sun, former Bar chairman Rimsky Yuen Kwok-keung SC, former Law Society president Michael Lintern-Smith and three laypeople. ... was appointed a judge of the Court of First Instance in 2001 and elevated to the Court of Appeal in 2002. Some barristers have said they believe Secretary for Justice Wong Yan-lung would prefer ...http://www.scmp.com/article/707211/high-courts-geoffrey-ma-tipped-next-top-judge
Lawmakers voice doubts over dual role for judges
Posted May 05th 2010, 12:00am by Staff Reporter
... court judges also serving as non-permanent judges of the Court of Final Appeal. At a subcommittee meeting to scrutinise appointments to the top court, lawmakers raised no questions over Ma, ... as non-permanent judges of the Court of Final Appeal. However, Ronny Tong Ka-wah and Audrey Eu Yuet-mee expressed grave reservations over having judges sitting in the Court of Final Appeal when ...http://www.scmp.com/article/713421/lawmakers-voice-doubts-over-dual-role-judges
'No overseas dilution intended'
Posted Apr 16th 2010, 12:00am by Staff Reporter
... Albert Wong Despite the promotion of three local judges as local non-permanent judges of the Court of Final Appeal, the chief justice has stressed they are not intended to dilute the effect of overseas final appeal judges who currently occupy the bench of the top court. On the sidelines of a civil justice reform conference yesterday, Andrew Li Kwok-nang stressed ...http://www.scmp.com/article/711515/no-overseas-dilution-intended
Early departure of chief justice seen as a good test for rule of law
Posted Mar 07th 2010, 12:00am by Staff Reporter
... Kong's Court of Final Appeal: The Andrew Li Court 1997-2010. The presentations will be compiled in book form later. Presentations were given yesterday on the increasingly high regard in which ... The outcome of those debates was that it is not mandatory for foreign judges to sit in a hearing at the Court of Final Appeal. But under Li, only 9.3 per cent of cases have been heard without ...http://www.scmp.com/article/707886/early-departure-chief-justice-seen-good-test-rule-law
New chief justice must rise to the challenge
Posted Apr 14th 2010, 12:00am by Staff Reporter
... and uphold common law principles. Ma has a heavy responsibility to ensure this continues. He will preside over the Court of Final Appeal. Established as part of the arrangements for the handover, ... is controversial. It has given rise to valid concerns that the step may alter the special character the Court of Final Appeal enjoys as being detached from the lower courts. The top court usually considers ...http://www.scmp.com/article/711373/new-chief-justice-must-rise-challenge
Ma takes firm stance on role of courts
Posted Sep 01st 2010, 12:00am by Staff Reporter
... of the Basic Law in 1999 by the Standing Committee of the National People's Congress. In 1999, he represented the government in the case, in which the Court of Final Appeal ruled any Chinese ... of that ruling. Ma's involvement in the case, the very first involving Basic Law issues to reach the Court of Final Appeal, as well as subsequent cases that debated the effect of the Standing ...http://www.scmp.com/article/723526/ma-takes-firm-stance-role-courts
Court of opinion
Posted Aug 16th 2010, 12:00am by Michael Chugani
... believes Bokhary's influential uncles, Court of Final Appeal judge Kemal Bokhary and executive councillor Ronald Arculli, applied pressure on the judge to go easy on their niece. What's ... of the government. Public outrage has forced his department to appeal against magistrate Anthony Yuen Wai-ming's soft treatment of Bokhary. But how does that reverse the belief that our courts ...http://www.scmp.com/article/722290/court-opinion
Outgoing chief justice dons robes a final time
Posted Jul 17th 2010, 12:00am by Staff Reporter
... as a 'son of Hong Kong' called to duty in historic times. Lawyers, judges and members of the public attended a ceremonial farewell sitting at the Court of Final Appeal yesterday as Hong ... tribute to Li and his achievements- in particular the foundation of the Court of Final Appeal and Li's dedication to nurturing talent and inspiring others to serve the community. Secretary ...http://www.scmp.com/article/719937/outgoing-chief-justice-dons-robes-final-time
Divorced men fight equal split of assets
Posted Oct 19th 2010, 12:00am by Joyce Man
... involve divorces in which the wives won much larger settlements after appealing against the amounts they were initially awarded. A lawyer for one of the men argued in the Court of Final Appeal yesterday that it was unfair and against Hong Kong practice to rule, as the Court of Appeal did in 2008, that a 50-50 split should be the starting point. That ruling moved away from the previous ...http://www.scmp.com/article/727922/divorced-men-fight-equal-split-assets
Pressure on judges, magistrates deplored
Posted Aug 12th 2010, 12:00am by Staff Reporter
... Bokhary of the Court of Final Appeal, to a year's probation on August 2 for slapping a police officer after a car accident in Happy Valley on January 27. The sentence triggered a public ... on probation. The Department of Justice has asked the Court of Appeal to review the sentence for assault and refusing to give a breath sample after an accident. The joint statement read: 'Whilst ...http://www.scmp.com/article/721965/pressure-judges-magistrates-deplored
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Start reading Jesus and the Jewish Roots of the Eucharist on your Kindle in under a minute.
Don't have a Kindle? Get your Kindle here, or download a FREE Kindle Reading App.
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This is one of the best book on the Eucharist I have ever read/listen to.
Dr. Pitre's book is an incredibly accessable book written so that anyone with an interest in the topic can read and understand what he writes.
Dr Pitre does an excellent job of explaining the roots of the Eucharist in the Jewish passover meal and in the Last Supper.
By explaining the Bread of the Presence in the O.T., Brant Pitre reveals the deep historical meaning of Jesus' words at the Last Supper and the words of the liturgy of the... Read morePublished 3 days ago by poriorrj
A dear Catholic friend of mine gave me this book knowing my love for the Jewish people and the "Jewiness" of Christianity. Read morePublished 4 days ago by Daniela
EXCELLENT! I learned so much. It makes the Mass much more meaningful and convinces me of the Truth of what it is.Published 11 days ago by carmela m powell
I loved this book and have given to five others who love it as well. Great historical information to enhance the understanding of a pillar of Catholic faith.Published 20 days ago by Eileen Kosnik
Most amazing book about the Eucharist ever! I highly recommend reading the entire bible first. It will make this book more enjoyable because you'll have have a better... Read morePublished 20 days ago by Omar Vazquez
This was the best book I have read in a long time. I learned so much from it. I recommend everyone to read it. Read morePublished 22 days ago by Nancy Hollenstein
Pitre unfolds the roots and history of the Eucharist like no one else. If you want to be blown away by the history of the Eucharist - this is the book to read. Read morePublished 25 days ago by John W. Canning

subset: commoncrawl


text:
Eye HealthLifestyle Topics
EyeSmart Tips
Preserve Your Child's Vision
Screen your child's vision when they are born and again during infancy, preschool and school years.
Learning Disabilities
Eye exercises and vision therapy won't cure a learning disability.
A Sign of Strabismus?
Are your child's eyes misaligned? She may squint one eye in bright sunlight if it does not look straight ahead.
Children and Contact Lenses
Is your child ready? Ask yourself if he can your follow directions consistently and handle chores independently?
Cellulitis and Surgery
Surgery can lead to cellulitis infection. Follow the instructions your child's doctor or dentist gave you following surgery.
What Is an Ophthalmologist?
Make sure you are seeing the right eye care provider for your condition or treatment.
Are You Fit at 40?
A baseline eye exam is recommended at age 40, when the signs of disease and changes in vision may start to occur.
Science fairs are a great way for young students to research a topic of interest and gain valuable knowledge through hands-on experience and experiments. To help students brainstorm, research, and perform fun scientific experiments this spring, the Museum of Vision, a public service program of the Foundation of the American Academy of Ophthalmology, is providing free curriculum guides on a variety of topics.
The Museum of Vision provides educational materials for physicians, teachers, and parents interested in teaching children about the eye and the fascinating science of vision. One of their popular guides, Art and Vision: Seeing in 3D, explores the concepts of vision and special visual techniques that help to create the illusion of depth. It teaches how the brain processes images like optical illusions and 3D and includes sections on size scaling, overlapping, atmospheric perspective, and linear perspective. The first chapter teaches children about the eye's anatomy and how the human visual system works. This guide also includes fun, interactive classroom activities and handouts. It is most suitable for children ages 11 and up, and is offered free of charge.
Also offered are guides that focus on the differences between human and animal vision, and the importance of keeping eyes healthy. These are filled with discussion points and activities to keep children's interest and build knowledge. Each of these guides can also be downloaded for free on the museum's website.


text:
Fiordland National Park, New Zealand by Hannah Davis
James Jean (Taiwan) - Pescados, 2013 Drawings: Ink on Paper
The very strange worlds of Peter Rapp. Blogspot.
If this isn't an entrance to a fairy world then I don't know what is…
Fairy Glen, Isle of Skye, Scotland, April 2014
Tried to send nudes but your submit button doesn't work on mobile.
Wow, not my lucky day hey? But it's the thought that counts, and I appreciate that dearly.


text:
I have an APA that is dry hopping in the secondary. I forgot Irish moss in the boil and it could use a clarifying. I've never done this before so direction would be great! Thanks
Biotin? Will using a clarifier strip hop aroma imparted from dry hopping?
Some here will tell you gelatin fining agent will remove some of the Hop of the IPA.. Others will say it does not..
Read the replies, make a choice.
To use Gel, boil just over a pint of water to sanitize, let cool, add 1 tablespoon to 1 pint of cool water and gently heat until dissolved.. DO NOT Boil... Add to 5 gal beer. Allow several days for the gel to work.
Plenty of options:http://www.homebrewtalk.com/gtsearch.php?cx=016873362520281466893%3Axvnx8yvgpl a&cof=FORID%3A11&q=clarifying+with+gelatin&sa=Go&s iteurl=www.homebrewtalk.com%2Ff13%2Fhow-use-gelatin-other-clarifying-agent-453889%2F&ref=www.homebrewtalk.com%2Ff13%2F&ss=246 3j362765j23&siteurl=www.homebrewtalk.com%2Ff13%2Fh ow-use-gelatin-other-clarifying-agent-453889%2F&ref=www.homebrewtalk.com%2Ff13%2F&ss=246 2j363220j23


text:
47.397262 0.988312
1, rue du Clos Bourget, 37400 Amboise, France +33 8 92 70 03 68
The ibis budget Amboise (formerly Etap Hotel) is located amongst the Loire chateaux including Chenonceau, Chambord and Cheverny. Its superb hilltop location overlooking Amboise, just 1.1 miles (1.8 km) from the town center and Clos Lucé (Leonard de Vinci's last residence) is perfect for those seeking calm and relaxation. This economy hotel offers rooms for 1... More from accorhotels.com
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|Ibis Hotels


text:
By Jake Thompson email@example.com
Hendricks County Flyer
---- — LIZTON — With advancement to the Hendricks County girls' basketball championship on the line, Danville and Plainfield squared off in the early game Friday night.
Unlike their first meting, the contest was much closer throughout and was a back-and-forth, physical game that featured 47 fouls.
The game was decided in the last minute, with Plainfield coming out on top, 78-74.
"In 20 years of this, I've seen it all and would like to think I handle it a little better," Plainfield coach Curt Benge said smiling. "The resiliency of our young team and having seniors come up to make plays at the end… we haven't lost a game within six points yet. We feel like we can win those close games and are finding ways to do it."
With 35 seconds remaining, Plainfield's Kiah Ferrell sent a bounce pass into MacKenzie Reeder after drawing a double team in the lane. Reeder converted for a 76-74 advantage.
"For Kiah to give the ball off and not feel like she had to shoot, that was huge," Benge said. "That was one of three or four plays that was really big."
Plainfield senior Sophia Wilson then took a stolen inbounds pass and converted that into a basket for a four-point lead with 20.1 seconds remaining. Wilson led all scorers with nine points in the fourth quarter.
First-year Danville coach Kaley May was happy with the way her squad had obviously improved throughout he season, but was left unfulfilled.
"I'm not one for moral victories, I'd rather get the 'W' but we are making strides in the program," she said. "I couldn't be more proud of my girls because we played as team and we played with heart. Those two things will take you a far way."
Plainfield opened the game on a 6-0 run with four points off turnovers, a hallmark of the team's first meeting.
Danville responded and pulled within one at 14-13 near the end of the first with two free throws from Hannah Newby.
The two teams opened up their offenses in the second quarter and Plainfield surged to a 28-20 lead with 3:25 left after a Maddie O'Day 3-pointer and bucket from Kayla Casteel.
Two baskets by Maleha Motter and a bucket and two free throws by Newby cut Plainfield's lead to four at the half, 41-37.
Danville came out aggressively, feeding Motter in the post, where she tallied 10 of her game-high 24 points and built a 55-47 with 3:22 remaining in the quarter.
"I don't know what it is," May said. "We've consistently been a second half team and it's a blessing and a curse at the same time."
Down 57-53, back-to-back baskets from Blakeley Shurig and Kylie Dostin tied the game before two free throws from Danville's Allie Lake put the Warriors up 59-57 heading into the fourth.
Knotted at 62, Danville hit five free throws for a 66-62 lead, but Plainfield went on a 7-3 run to tie it at 69. Lake gave Danville it's last lead of the game at 70-69 and a Motter 3-pointer tied the game at 74-74 with 51 seconds remaining.
Plainfield's burst at the end and ability to stay calm in a tense situation sealed the game. Riley Blackwell led Plainfield with 17 points as Casteel (13) and Wilson (11) also finished in double figures.
Newby tallied 16 and Lake had 13 for Danville, as Motter also pulled down a game-high 10 rebounds.
Plainfield takes on Brownsburg, winners of the last four county crowns, at 6 p.m. Saturday in the championship game at Tri-West.
— Follow Hendricks County Flyer sports editor Jake Thompson on Twitter @JacobEThompson.


text:
You can now filter search results with text. Example: "person: john" will search only person pages for "john".
Diablo III is a great game that, despite its mouse-and-keyboard roots, adapts to consoles surprisingly well.
Ubisoft Montpellier's take on the first World War is a surprisingly heartfelt adventure.
Many games try to use nostalgia to lure you in, but few of them are as well-made as Shovel Knight.
Game »
consists of 5 releases.
Released Sep 18, 2007
The Japanese navy constructed this experimental fighter towards the end of WWII. Although only two prototypes were made, its unique shape and rear-propellor design survive in pop culture and media.
Mikoyan aircraft, also known as MiG, are Russian military aircraft that are used in many games.
The North American Aviation P-51 was an American-built long-range fighter aircraft introduced during World War II. Entering service in late 1943 after initial design problems centering around it's engine, the Mustang is considered to be the finest piston-engined fighter aircraft ever made.
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Home › Missouri › Columbia Area › Sweet Springs Apartments
76 apartments found
Apartments for Rent in Sweet Springs, MO(show city information)
Apartment Finder is the ultimate tool for searching apartments for rent in the Sweet Springs, MO area. With map-based searching, you'll find just what you are looking for in minutes. You can customize your search many ways and your results will be refreshed in a flash. Broswe apartment communities in real time, with photos, floor plans, and more! Your search for
Royal Oaks Residential Care Sweet Springs, MO 65351
Concordia Estates Concordia, MO 64020
- 55+
Good Shepherd Home Concordia, MO 64020
Willow Point Apartments Concordia, MO 64020
Tradewinds Apartments Marshall, MO 65340
Buttonwood Place Apartments Marshall, MO 65340
Esry Cohen Marshall, MO 65340
Balfour Beatty Communities Knob Noster, MO 65336
Crestwood Courts Apartments Marshall, MO 65340
Deerbrook Apartments Knob Noster, MO 65336
Blosser Georgia Brown Home For Women Marshall, MO 65340
Pinecrest Apartments Ofc Higginsville, MO 64037
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Hartland Residential Care Center Hlth Care Marshall, MO 65340
Higginsville Estates Higginsville, MO 64037
Sedalia VIlla Sedalia, MO 65301
Olsen West Sedalia, MO 65301
Saddlewood Apartments Sedalia, MO 65301
Plaza West Apartments Sedalia, MO 65301
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Sunny Meadows Living Center Sedalia, MO 65301
Tambo Apartments Sedalia, MO 65301
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Canine Chat: Dog Tales and Other Stories
The subject of dogs facilitates heartwarming pet stories, pet peeves and pet praises. Let's talk dogs.
Posts filtered on Tag
Canine Companions for Independence
Autism April was autism awareness month but for a parent of a child diagnosed with autism, every day is "awareness" day. Over the years I have worked with many clients who have a child with autism. Parenting any child is full time and if a child has autism it is more so and can be overwhelming […] [Read More]
Local Disaster Preparedness Program Says: Protect Your Pet with a Kit for 7-10 Days c Diane Rich 2013 SEATTLE – Here in Seattle, where 25 percent of households have dogs and nearly 30 percent have cats, we take our pets seriously. So, it makes sense that local disaster preparedness efforts include our four-legged family […] [Read More]
Book Review: The Patron Saint of Lost Dogs
By Nick Trout Chase is about to read this great book to his guests c Diane Rich 2013 When I was contacted to review this book by best selling author, Nick Trout I wasn't sure what to expect as I was unfamiliar with this author. Nick is a Veterinary surgeon in real life and this particular […] [Read More]
Second Chances Rescue Event
Raise money to save dogs, attend the 'Second Chances' Fundraiser Attend to help save a life. Thursday, April 11, 2013 at 7:00 PM Berliner Pub 221 Maine Avenue S Renton, WA 98057Join super-supporter Miriam and Berliner Pub for an evening of drinking great beer, eating good food, winning awesome raffle prices, listening to great music […] [Read More]
Breed Profile
Meet the Lagotto Romagnolo c Diane Rich 2013 Fia and Jake This cute, rare dog is a working breed with a very talented nose. The Lagatto dates back to Roman times and was used as a hunting dog and water retriever. This breed is better known for finding truffles and the only breed recognized for […] [Read More]
American Kennel Club 2012 Dog Registration Statistics
Historical Comparisons & Notable Trends RANKING BREED 2012 2011 2007 2002 Labrador Retrievers 1 1 1 1 German Shepherd Dogs 2 2 3 3 Golden Retrievers 3 4 4 2 Beagles 4 3 5 4 Bulldogs 5 6 10 18 Yorkshire Terriers 6 5 2 6 Boxers 7 7 6 7 Poodles 8 8 […] [Read More]
The A List of Canine Competitors
Westminster Begins Monday Feb. 11th Canines Will Strut their Stuff at the biggest show in the U.S. of A. It's that time of the year again for THE dog show of the year in New York City at Madison Square Garden. 2,721 dogs will compete for the coveted Best in Show title. The show starts […] [Read More]
Just a Few Minutes of your Time Can Save Lives
Psado's Safe Haven This was sent to me by PSH and I wanted to share it with my readers. Approximately 60-70 thousand healthy cats and dogs are killed every year in over-crowded Washington shelters because there are no homes for them. Spay/Neuter is the single most effective solution to save lives! Read below […] [Read More]
Buyer Beware: Buying Pet Drugs Online
FDA offers Red Flags c Diane Rich 2013 Who doesn't want to save money. Buying prescription meds through your Vet at the time of an exam causes sticker shock so many pet owners are now looking to online sources for pet medications. Here is the link for the information below from the FDA. http://www.fda.gov/ForConsumers/ConsumerUpdates/ucm048164.htm "Discount […] [Read More]
New Laws for Pets and their Owners
Puyallup, Washington In cooperation with Metro Animal Services, laws that affect Puyallup pets and their owners will be changing in February: The base fine for animal control citations has been reduced For the health and safety of animals, it is now illegal to leave a pet in a car without proper ventilation The leash law […] [Read More]
Show More


text:
Follow FEMA:
Main Content
California Earthquake
Follow the instructions of local officials.
Expect aftershocks and remember to Drop, Cover and Hold on.
Visit the Social Hub for trusted accounts.
New Tribal Consultation Policy
The new Tribal Consultation Policy establishes an agency process for regular and meaningful consultation and collaboration with tribal officials.
More: Tribal Affairs
Toolkit for September
September is National Preparedness Month. Download the Digital Engagement Toolkit for weekly themes, sample tweets, web resources, and more.
More: Make a Family Plan
August 11, 2014
The 13th of this month marks the tenth anniversary of Hurricane Charley's unwelcome visit to my community. Yet in many ways, it seems as though it was only yesterday. The Category 4 storm, with
August 5, 2014
Editor's note: This was originally posted on the Corporation for National & Community Service blog on August 5, 2014.Emergency management requires flexibility. You plan for the worst, but also
June 27, 2014
In City of Colorado Springs, the Wildland Urban Interface (WUI)- areas where human development is close to natural terrain and flammable vegetation, covers more than 28,800 acres and includes a
June 6, 2014
The Sounds of Recovery: We're ListeningWe're listening, and all around, we hear the sounds of recovery. Like the sounds of silence, the sounds of recovery can be as profound as the devastation
Social Media
A new phase of engagement with tribes -- review our Consultation policy: t.co/175IACFy0T
Story to Share: If you do one thing this #NatlPrep Month, create a family communication plan. Read more t.co/LYZNakFSkg cc @Readygov
From @USATODAY: @CraigatFEMA encourages families to take the 1st step in preparing for an emergency. Read more: t.co/LYZNakFSkg
Hurricane #Cristobal t.co/lceOC0BMbr moving Northward, not a direct threat to the US East Coast t.co/QGj8PhwDHN
40% of business never recover after a major disaster. Make a plan & put the odds in your favor t.co/XtnWVeRrL4 t.co/CXCe0gZ6le
Home Page Widget
Are you a Disaster Survivor?
- Apply for Assistance
- Full Site, Mobile Site
- Call (800) 621-3362
- 3 Step Guide for Assistance
- State Disaster Pages, Recovery Tips
- Disaster Recovery Centers


text:
Cruise ship with sick passengers departs SD
SAN DIEGO - A cruise ship on which more than 100 people have been stricken with stomach flu-like symptoms has steamed out of San Diego Bay, with 11 passengers getting off the ship early.
The Crown Princess departed Los Angeles on Saturday for a tour of the California coastline. Since then, 104 passengers and 25 crew members have fallen ill with what's believed to be the Norovirus, Princess Cruises company spokeswoman Karen Candy said in a statement.
Nororvirus is highly contagious and presents symptoms similar to a stomach flu or food poisoning. The afflicted have been isolated in their cabins, Candy said.
By Thursday afternoon, constant cleaning and other measures led to an improvement for many of those stricken. Fifteen were still reported to be suffering symptoms and most of those confined to their cabins were given the all-clear.
San Diego was a pre-scheduled stop on the cruise's schedule, which also included a stop in Santa Barbara on Wednesday. It is scheduled to return to Los Angeles on Saturday.
10News spoke with several passengers about their ordeal.
Michael Zagorin of Olympia, Wash., said, "The crew handled it really great. They kept wiping stuff down all the time. They also said to wash your hands very frequently, which is the best thing to do."
Jean Jenkins of Simi Valley added, "The reality is when you have a confined audience, it's easily spread but with the steps the guest were taking and the cruise ship is taking; this has been well-managed."
David Sester of Palm Springs was one of 11 people who chose to abandon ship in San Diego. He told of a long wait for dinner and that it wasn't as well prepared as earlier meals.
"We had two more days, two more days to be on the ship; it wasn't worth it so we just felt we'd better get off now," said Sester.
Anyone leaving early was charged $300. Maritime law says a passenger can't board and disembark from different U.S. ports unless there is a stop in another country in between.
10News learned that fine will be paid by Princess Cruises.
Statement from Princess Cruises
Onboard the current sailing of Crown Princess, there has been an increase in the number of cases of gastrointestinal illness among passengers. We believe the cause to be the common virus called Norovirus which is extremely contagious and easily transmitted from person-to-person. The U.S. Centers for Disease Control and Prevention (CDC) reports widespread Norovirus activity throughout North America that has affected people in schools, hospitals, nursing homes, childcare centers, as well as cruise ships this season.
All individuals who are ill (currently 94 passengers and 23 crew members), have been isolated in their cabins until they are not contagious.
We have implemented enhanced sanitation procedures onboard Crown Princess to interrupt the person-to-person spread of this illness. Our sanitation program has been developed in coordination with the CDC and includes such measures as thorough disinfection of high-touch surfaces like railings, door handles and elevator buttons; encouraging passengers to use correct hand washing procedures and enhancing this with the use of hand sanitizing gels placed throughout the ship; isolating ill passengers in cabins until non-contagious; encouraging passengers to use their own cabin's bathroom facilities; and providing regular verbal and written communication to passengers about steps they can take to stay well while onboard.
Crown Princess is currently sailing on a seven-day California Coast cruise roundtrip from Los Angeles that departed April 5.
Historic incidence rates of gastrointestinal illness aboard cruise ships are very low. According to the (CDC) the vast majority of outbreaks occur in land-based settings. Additional information can be found at CDC's Facts About Noroviruses on Cruise Ships.
In 2013, there were 7 norovirus outbreaks industry wide reported to the CDC, involving a total of 1,238 passengers. To put that into perspective, approximately 21.3 million passengers sailed on Cruise Line International Association member cruise ships in 2013 so this figure represents approximately six one thousandths of one percent (.006%) of global passengers. Additionally, the CDC reports there are about 20 million norovirus cases in any typical year on land in the United States.


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Book your room at Mercure Rosa Khutor Hotel
Standard Double Room, Non Smoking, Mountain ViewMax Occupancy: 3 guests (up to 2 children)
Standard Twin Room, 2 Single Beds, Non Smoking, Mountain ViewMax Occupancy: 2 guests (up to 1 child)
Standard Suite, 1 Double Bed with SofabedMax Occupancy: 3 guests (up to 2 children)
Family-friendly slopeside fun with a restaurant
Located in the mountains, this Krasnaya Polyana hotel offers ski-in/ski-out access within easy reach of Sanki Sliding Center, Estosadok Ski Resort, and Gazprom. Local attractions also include Mountain Carousel and Rosa Khutor Extreme Park.
Hotel Features
Ski into Mercure Rosa Khutor Hotel, where you can enjoy a drink at the bar/lounge, eat a meal at the restaurant, and enjoy comforts including an indoor pool and a steam room.
Room Amenities
Flat-screen televisions come with satellite channels. Guestrooms also feature complimentary wireless Internet access, climate control, and safes.Information missing or incorrect? Tell us!
Mercure Rosa Khutor Hotel
At your hotel
During the winter, enjoy onsite recreation like downhill skiing and snowboarding. After a day on the slopes, enjoy a swim in the indoor swimming pool or use the hotel's other facilities, including a fitness center and a steam room. When the sun goes down, sip après-ski drinks in the hotel's bar.
The hotel offers a restaurant. High-speed wireless Internet access is complimentary. This ski hotel also offers ski storage and a sauna.
Mercure Rosa Khutor Hotel is a smoke-free property.
- Total number of rooms - 153
- Number of floors - 6
- Bar/lounge
- Business center
- Concierge services
- Conference space
- Dry cleaning/laundry service
- Elevator/lift
- Fitness facilities
- Tours/ticket assistance
- Free Wi-Fi
- Meeting rooms
- Multilingual staff
- Terrace
- Porter/bellhop
- Luggage storage
- Restaurant
- Room service (24 hours)
- Safe-deposit box at front desk
- Year Built 2012
- Number of meeting rooms - 6
- Conference center
- Sauna
- Ski storage
- Ski-in/ski-out access
- Smoke-free property
- Number of buildings/towers - 1
- Steam room
- Indoor pool
Stay connected
Available in all rooms: Free Wi-Fi
Available in some public areas: Free Wi-Fi
In your room
- Climate control
- Phone
- Complimentary bottled water
- Minibar
- Coffee/tea maker
- Daily housekeeping
- Private bathroom
- Complimentary toiletries
- Hair dryer
- In-room safe
- Desk
- Satellite TV service
- Flat-panel TV
- Free Wi-Fi
- Cribs/infant beds (surcharge)
Eat and drink
Barskii stol - This restaurant specializes in international cuisine and serves lunch and dinner. Guests can enjoy alfresco dining (weather permitting).
24-hour room service is available.
Recreational amenities at the hotel include ski-in/ski-out access, an indoor pool, a sauna, and a steam room. Other recreational amenities include a fitness center.
The recreational activities listed below are available either on site or nearby; fees may apply.
- Ski lessons available nearby
- Ski equipment rental shops nearby
- Downhill skiing on site
- Snowboarding on site
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessible bathroom
- Accessible path of travel
- In-room accessibility
- Roll-in shower
The fine print for Mercure Rosa Khutor Hotel
How you can pay
Accepted at this hotel: American Express, Diners Club, JCB International, MasterCard, Visa
Your pets
Pets allowed
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
- Rollaway bed fee: RUB 1500 per night
We should mention
If you require a visa to enter the country, your hotel may be able to help with the supporting documents needed to obtain one. To learn more, you can reach out to the hotel via the contact details included on your booking confirmation. The hotel may charge for this assistance, even if you end up cancelling your reservation. All arrangements are solely between the hotel and yourself. Children 3 years old and younger stay free when occupying the parent or guardian's room, using existing bedding.


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Batman and Darth Vader Mash-up Cosplay
This has got to be one of the most badass cosplay outfits I've seen. It's a mix of both Batman and Darth Vader, one good and one bad... so is Bat Vader a hero or a villain? Or do they just cancel each other out making him a fun-loving party animal? What do you think?
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Authorities are investigating a bank robbery Monday morning.
The FBI said the robbery was reported about 10:45 a.m. at the First Bank of Missouri, 7001 North Oak Trafficway.
FBI spokeswoman Bridget Patton said a man in his mid-30s, approximately 5'10" and about 180 pounds, walked into the bank and gave the teller a note demanding money.
He did not show a weapon and no one was injured. He fled the bank and headed south on North Oak Trafficway with an undisclosed amount of cash.
The man was wearing a light-colored Kansas City Royals ball cap with a dark blue shirt that was untucked and unbuttoned with a white T-shirt and jeans.
Anyone with information is urged ot call the TIPS Hotline at 816-474-TIPS.
Refresh this page for updates and surveillance photos when they become available.
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Fuqua MBA Admissions Counselors are Here to Help
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The Power of the Duke Network
MBA & Team Fuqua Enable Career Change When I joined the Duke Weekend Executive MBA class in 2006, I was a United States Air Force fighter pilot and Director of Force Application Capabilities, working out of the Pentagon. I had … Continue reading
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The Cincinnati-based band Tweens full-length debut features 11 songs with declarative titles like "Want U," "Be Mean," "Girlfriend," and "Stoner." And their music is nearly that straightforward—a virulent slab of fuzzy garage pop. Bridget Battle's sweet-and-sour vocals and terse guitar riffs are anchored by drummer Jerri Queen and bassist Peyton Copes, who clearly have more than a passing interest in classic doo-wop. The trio will support the self-titled album (which arrives April 8 via Frenchkiss Records) with extensive touring, including a stop at this summer's Nelsonville Music Festival.
Originally published in the April 2014 issue.
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Russon Brothers - Bountiful
295 N. Main St.
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For more information about
Wilford LeCheminant
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Wilford Hill LeCheminant, MD
Bountiful, UT-Wilford Hill LeCheminant, MD, 86, peacefully passed away at home on November 20, 2012. He was born on June 10, 1926, in Los Angeles, California, the oldest child of Wilford Davis and Edith Esther Hill LeCheminant. He resided in Los Angeles until he left for College at age 17. He graduated from Polytechnic High School in 1943 followed by a semester at
. He then went on to Brigham Young University where, after one year, he was drafted into the Army, serving in
World War II
in Hawaii. During his military time he attended the University of Hawaii in his spare time, and following his discharge in 1946, he returned to BYU receiving his BS degree in 1948. He then entered the University of Utah Medical School graduating in the class of 1951. He completed a rotating internship at Gallinger Memorial Hospital in Washington, DC in 1951-1952, an Internal Medicine residency at the VA Hospital in Long Beach, CA, 1953-54, and Pathology residencies at the VA Hospital and Salt Lake County Hospital in Salt Lake City, Utah 1954-55, Huntington Memorial Hospital in Pasadena, CA 1955-56, and at Los Angeles County General Hospital 1956-58. He practiced Anatomical and Clinical Pathology from 1958-1971 at Utah Valley Hospital in Provo, Utah, and at South Davis Hospital and Lakeview Hospital in Bountiful, Utah from 1972-1997 when he retired. He was a Clinical Professor at the University of Utah Medical School 1968-1997.
Wil was a member of the American College of Pathology, the American Society of Clinical Pathologists, and the International Academy of Pathology. He traveled often to Continuing Education meetings throughout the world to sharpen his skills and knowledge. He loved to travel with a purpose and traveled extensively. He often volunteered his skills in third world countries, ie, Bolivia, Argentina and Costa Rica with Partners of the Americas; Ecuador and Colombia with the Hospital Ship Hope; Madagascar with Pathologists Overseas. He co-founded and directed Ayuda, a volunteer humanitarian aid project in the highlands of Guatemala and Belize, providing medical care and teaching skills, dental care, health education, agriculture skills, and preparing children to attend school, all via numerous expert volunteers. He believed in teaching people to help themselves.
He met Rose Marie Bell, a nurse at Utah Valley Hospital, just after they both had finished their training and they were married for time and eternity a year later in the Salt Lake Temple of the Church of Jesus Christ of Latter Day Saints on January 18, 1960. They became the proud parents of five wonderful children: Alan (Melinda) LeCheminant, Garth (Tami) LeCheminant, Bruce LeCheminant, Rebecca LeCheminant (Jim Nelson), and Annelise (Rayne) Mahaffey, who have blessed their lives with 15 extraordinary grandchildren. He loved his family dearly and was so proud of each one.
Wil had a great love and respect for the out of doors. He frequently took his family on camping trips, often with his brother Blaine and his family, exploring and hiking in southern Utah, canoeing in British Columbia, rafting rivers including multiple 14-day trips down their favorite, the Colorado through the Grand Canyon, in Blaine's five man rafts. He enjoyed researching pioneer history and published articles in the Ensign and the Utah Historical Quarterly. He wrote a book about his pioneer ancestor's trek from the Isle of Guernsey to Utah. He loved football and basketball games, ice cream, oil painting, his harmonica, old movies, popcorn, cowboy songs, photography, reading (mostly history), the stock market, and was talented at anything he chose to do. If he ever had to wait, he spent the time memorizing something. He had an amazing memory and a very dry and witty sense of humor. He could recall historical data with ease and often recited the Presidents of the United States chronologically and his Medical School classmates' names alphabetically just to prove he could.
He was a member of the Church of Jesus Christ of Latter Day Saints and served in the Young Men and Scouting programs as well as various other callings.
He is preceded in death by his father and mother, a sister Verona, a stepmother, Ileene Waspe LeCheminant, and a second stepmother, Julia Thornton LeCheminant. He is survived by his brother Blaine (Vernell), and sisters, Joyce (Eddie) Brinck, Cleone (Glade) Nelson and Judy (George) Shelby.
The family suggests, in lieu of flowers, a contribution be made to the Humanitarian Services of the Church of Jesus Christ of Latter Day Saints.
Funeral Services will be held at 11:00 am on Saturday, December 1st, 2012 at the Bountiful Utah North Stake Center at 1540 North 400 East, Bountiful, UT 84010. Friends and family may visit between 6:00 and 8:00 pm on Friday, November 30th at Russon Brother's Mortuary, 295 North Main, Bountiful, UT 84010 or Saturday from 9:45 to 10:45 at the Bountiful Utah North Stake Center. Interment will be at Elysian Memorial Gardens, 1075 East 4580 South, Salt Lake City.
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Published in Deseret News from Nov. 29 to Nov. 30, 2012
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"My name is James H. Griggs. Brother Lecheminant ordained me an Elder in May of 1953. I am so sorry to..."
- James Griggs
"I am so sorry for your loss. My thoughts and prayers are with your family. I remember when he loaned me..."
- Tiffany Marchant
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- Jane Jenkins
"Dear RoseMarie so so sorry to read this my thoughts are with you I will miss him and I feel a deep..."
- Fred Rein
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Attached files
Income Taxes
|12 Months Ended
Sep. 30, 2012
|Income Taxes [Abstract]
Note 6 – Income Taxes
The Company has tax losses that may be applied against future taxable income. The potential tax benefits arising from these loss carryforwards, which expire beginning the year 2030, are offset by a valuation allowance due to the uncertainty of profitable operations in the future. During the years ended September 30, 2012 and 2011, the Company had operating losses of $45,523 and $37,012, respectively. The cumulative net operating loss carryforward as of September 30, 2012 was $89,837. The statutory tax rate for fiscal years 2012 and 2011 is 35%. The significant components of the deferred tax assets as of September 30, 2012 and 2011 are as follows:
- Details
- Definition
The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.
Reference 1: http://www.xbrl.org/2003/role/presentationRef


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(Costa Rican law prohibits the publication of election polls in the days preceding the vote. Information relating to polls is for publication outside the country) Jan 30 (Reuters) - The presidential hopeful of Costa Rica's ruling party is seen as the frontrunner in the run-up to Sunday's elections, but analysts say campaign gaffes and scandals dogging President Laura Chinchilla's government will likely force him into a second round run-off against a leftist challenger. Neither the centrist frontrunner Johnny Araya nor the young leftist lawmaker Jose Maria Villalta, seen running second, are likely to secure the more than 40 percent of votes needed to avoid an April run-off. In an eventual second round vote, the earlier votes for a conservative lawyer fighting for third place would likely go to Araya, while votes for left-leaning rival Luis Guillermo Solis would likely go to Villalta. The following are the election's three leading candidates and some of their key platform positions: JOHNNY ARAYA One of Costa Rica's best known political figures, Araya, 56, served as mayor of San Jose for over two decades, winning praise for spearheading public arts projects and expanding a municipal police force. He has been criticized for failing to improve trash collection and is under investigation by the national prosecutor's office for alleged abuse of authority and embezzlement. The barrel-chested frontrunner has recovered his lead over Villalta by painting his opponents as radicals and distancing himself from an unpopular government that has been hammered over tax evasion and infrastructure scandals. Main proposals: * Offer transfers of about $40 a month for an estimated 340,000 Costa Ricans who live in extreme poverty by 2018; * Replace sales tax with a value-added tax that would tax services in addition to goods to tackle the deficit; * Limit public sector salary bonuses and impose a new tax on capital gains, and * Continue to use private-public partnerships to finance badly needed infrastructure projects. JOSE MARIA VILLALTA A lawyer by training, the slender, bespectacled Villalta, 36, cut his teeth organizing against the Central American Free Trade Agreement (CAFTA). He was arrested in 2000 during a protest against changes to the state-run electricity company. Villalta is the only member of his Broad Front party, formed in 2004, to serve in Congress during the 2010-14 term, leading many to question his ability to get support for bills or fill key appointments as president. Currently trailing Araya in the polls, Villalta's support surged in December and early January as he channeled voter disenchantment over government corruption scandals and a stagnant poverty rate. Main proposals: * Eliminate the right of the president and other high officials to immunity from prosecution while in office; * Strengthen price controls on basic foodstuffs; * Raise taxes on banks and create a new financial transactions tax and a levy on real estate earnings; * Replace the sales tax with a value added tax that would cover services with exemptions for health and education, to boost state revenue, and * Renegotiate labor provisions of CAFTA. OTTO GUEVARA Four-time Presidential hopeful, the dapper lawyer and former lawmaker, Guevara, 53, founded his conservative party in 1994 to challenge the dominant pro-government view held by many Costa Ricans. An unorthodox libertarian, Guevara has said he opposes gay marriage and abortion to draw support from Christian groups and has labeled Villalta a communist. One poll earlier this month showed the silver-haired divorcee in a virtual tie with Araya and Villalta, but he now appears to be trailing, mired by allegations of misuse of campaign funds in a prior election. Main proposals: * Eliminate collective bargaining for public employees; * Expand free trade zones, reach more free trade agreements to help create 500,000 new jobs; * Allow the state power monopoly, ICE, to purchase electricity from private generators to reduce costs, and * Implement a national referendum on dollarizing the economy. (Reporting by Alexandra Alper; Editing by Simon Gardner, G Crosse)
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The 40-year-old was flown to hospital in the early hours of this morning falling at the Gwynedd camping hotspot
A 16-year-old who achieved 7 A* grades despite breaking his hand, two 70-year-olds and three sets of twins were among the successful students who collected their exam results today
The star's Pontio concert saw huge queues for the £25 tickets which went on sale at 10am yesterday to celebrate the new £46m centre
The People's Choice, which aims to hear what Bangor residents want and need, has been set up and is putting candidates up for election
Child flown to Ysbyty Gwynedd in 'medical emergency' but was later pronounced dead at the hospital
A second female driver was taken to hospital by ambulance as firefighters had to cut the roof off one of the vehicles
The country fayre in St Asaph saw more than 3,000 people brave the weather on Sunday
The latest on the roads, rail and sea across the region as we approach rush hour
She is airlifted to hospital after the incident which saw her fall onto rocks
See the best bits of the final day of the show at the Mona showground
Officers investigating the attempted kidnap of a schoolgirl have issued an image and renewed plea to the community for information
See images from the final day of the show at the Mona showground
The future of a Maesgeirchen playing field now looks secure and will become a facility the city can be proud of
Have a look at our collection of beautiful pictures taken from the sea and rivers around the region's coast
A helpline used by the parents of teen Pauline Swatridge, who killed herself last year, is under threat of closure but friends are rallying to support the service
See how parts of North Wales used to look in this third set of images taken up to 80 years ago
People involved in the ITERA had to abandon the water at Bangor due to rough conditions and continued the race by bike
Here are the winners from around the Maes in Llanelli on Saturday
Award-winning sports writer Dave Jones rates Rhyl's pre-season performances very highly
The young mum and her four kids, one of them a newborn, were forced to flee when an electrical fault caused the living room to light up in flames
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Australia, Funds Management, Personal Finance - Written by Chris Wright on Thursday, September 1, 2011 8:43 - 0 Comments
Smart Investor blue ribbon awards: investment
Smart Investor, September 2011
Australians are having a hard time with investment at the moment: it's been a directionless, rudderless market without much consensus on what's likely to happen next. Where will European sovereign debt problems, US growth worries and Chinese inflation leave world or local markets? There's uncertainty in every asset class, be it local or global equities, bonds, property, currencies or commodities.
For many of the businesses that serve Australian investors, there's a mixed picture that comes from this. Some institutions are thriving: notably CFD providers and FX platforms. For others, particularly those based around straightforward equities, business tends to be a little quieter.
At BT Wrap, for example, which was chosen by judges Rice Warner Actuaries as the nation's leading investment platform, market share is increasing but the overall pie is not getting bigger at its usual rate. "It's a very soft trading environment," says John Shuttleworth, general manager for platforms, marketing and communication at BT. "If you look at the total market, annual flows over the last 12 months were about $10 billion. To put that into context, if you look at a normalised year taking out the peaks and troughs you've normally got about $30 billion. The market is running at one third of the usual new money flowing in."
This doesn't apply to superannuation money so much, since the state requires that 9% of earnings go into super regardless of the market. "Our business has been fairly consistent," says Justin Delaney, head of platforms at Macquarie, whose Macquarie Wrap Super and Pension Manager was named the best superannuation platform in the industry. "We are certainly seeing an increasing level of flows towards super versus vanilla investment options. Super is still growing well, and at a better rate than the pure investment market." It's in the discretionary area where people still don't seem to be comfortable in putting their money to work. "Post-GFC, a lot of people are still sitting in cash," says Shuttleworth. "We have on our platform cash solutions as well as managed funds, so we can see a high level of people staying in defensive asset classes, driven by the volatility in the markets."
Which platforms thrive in this environment? Rice Warner liked BT for its comprehensiveness, in terms of its investment menu, features, terms and conditions, alongside competitive fees. And it felt Macquarie had the most extensive list of investment options, again accompanied by strong features and terms such as flexible client servicing facilities, excellent capital gains tax management functionality, and tailored facilities for superannuation needs (enabling clients to split insurance between super and non-super, for example).
Managers themselves see other important elements in the mix. "What's driven our success is that we've got a very strong distribution base, with some high quality dealer groups who have been supporting us for a number of years," says Shuttleworth. In that respect, being owned by Westpac, and therefore with close links to St George and Asgard, is clearly helpful. "You need good, strong distribution, and to secure that you've got to continually invest in the platform to make sure it has the best features and functionality in the market." Nick Bowley, national product manager for BT Wrap, agrees: "There's lots of competition out there, but those who invest and deliver are the ones that are successful." Specifically, BT Wrap has bolstered its equities capability, and has seen the asset class climb from 10% of its funds under administration to 16% by making the process for managing equities – which is a lot harder than managing managed funds – more efficient. Other initiatives have included building model portfolios for advisers, enabling them to combine equities and managed funds; and bulk trading functionality, when advisers need to buy and sell in large volume to rebalance client portfolios quickly.
Delaney attributes Macquarie's success to "a good combination of rich functionality, good service and competitive administration fees." Distribution has been important for Macquarie too, but in a different way. "We are really here to support the boutique market in particular," he says – that is, boutique advisers and independent financial planners who will advise you on your superannuation and then seek a platform to help them implement what they want to do.
Both BT and Macquarie are known for the range of their investment menus; BT has almost 700 managed funds as well as all ASX listed securities; Macquarie, which also offers ASX securities, has 580 funds on its menus. But is there a point when you can have too many options? "It's that breadth you need to have in order to cater for advisers and dealer groups using the product," Bowley says. "There are various levels of sophistication, such as the high net worth space, so you need a breadth of investment products." Shuttleworth adds that dealer groups, who have their own research teams, will create approved products lists from those investment menus that might be much smaller. Delaney at Macquarie adds: "We don't see our role in managing the menu as being making a selection. We make sure funds meet our requirements, but whether it's 600 or 200 comes down to adviser demand and what they believe they need for their clients."
Both groups have also sought to make sure that the growth of self-managed super funds is a source of opportunity rather than just a threat. Delaney says Macquarie gets a lot of SMSF business into its investment wrap, in which a client will have the independence of a self-managed fund, but will still use a wrap platform as the vehicle for running the fund. BT Wrap has also tried to tailor some of its services to this group.
[SUBHEAD: The crowded broking field]
For those who seek to invest directly in equities through a broker, there is a greater range of choice than ever before. We award three prizes within this field: the fully-featured online broker, the low-cost online broker, and the traditional non-advisory phone broker.
CMC Markets, our winner in the low-cost category, gave the market a shakeup last August when it dropped its headline brokerage rate to $9.90 per trade, by some distance the lowest in the market. It had an instant impact: E*Trade swiftly dropped its own rates, for example. The policy had a very quick impact for CMC, which only had a 3% market share a year ago and is growing swiftly. Moreover, CMC has attracted very active traders, who have accounted for most of the new business – meaning that turnover at CMC is up 40% in a year.
"We're tuned into what active traders want," says Louis Cooper, head of CMC Markets. "They are very price sensitive, and the more they trade, brokerage becomes a far bigger aspect of their trading, in terms of what it takes away from their profits."
While CMC markets itself hard on its low cost – "we're here to say investors have had a raw deal for many years, and we have proven you can run a very profitable business at a low price point," Cooper says – they are also keen to point out that low-cost doesn't mean low-service. "Just having a low price point is not enough for active traders," he says. "We have not in any way shape or form reduced our price point at the expense of the functionality for our customers." For example, CMC offers free unlimited conditional orders, free dynamic charting, and very fast order processing. It also offers education packages in order to attract new traders as well as the active ones.
Westpac won our fully-featured online broking category; like its BT Wrap sister, it has seen trading volumes soften yet has increased market share. One of the reasons it has been able to do so is by building out the capability of the platform, which allows customers to trade equities, options, CFDs and other securities both domestically and internationally off a single platform, aided by a host of news and research services, and practical assets such as a linked cash account.
Do people need all the bells and whistles? "International is a good example," says James Staltari at Westpac Online Broking. "It is only used by a segment of our customer base, and not by the masses. But it's important to have that full suite. The self-directed market is continuing to grow at a rapid pace, and our research shows that while not everyone uses all the services, it's important for them to have everything available on a single platform so they don't have to open another account with a different organisation."
The Westpac model involves standard and advanced research packages, with the advanced one offered free of charge to anyone who trades two or more times a month. News feeds cover a host of sources from Reuters and Dow Jones to more specialist providers like Morningstar and Lexus Nexus, or homegrown Westpac Economic Research and fund manager Advance. Frequent videos, updated through the day, offering insights on financial markets, are proving increasingly popular. At the same time, efforts are made to make life easier: Westpac's mobile phone application is growing exponentially, Staltari says, allowing people to buy and sell, access research and manage their portfolio on their handhelds. "We are seeing month on month double digit growth."
And there's still a role for phone broking, a category in which First Prudential took the prize. "First Prudential provides significantly lower cost trading over the phone when compared to its competitors across several trade scenarios," says Infochoice, our judges in this category.
Almost everyone interviewed in these features talked about the potential for regulatory change, particularly around the provision of advice, and few areas have faced greater regulatory and tax uncertainty than margin lending in recent years. "It has been an interesting year for lenders of margin loan products," says Sean Doolan, head of Suncorp Margin Lending, which won our margin lender category. For a start, several business processes have had to change since January 1 following the newly introduced Margin Lending Regulations. "This has seen a substantial change in the application and assessment process compared to days gone past," he says. Then there's the way Australians view debt in the wake of the financial crisis. "The margin lending industry as a whole has had its challenges, largely tied to Australians being more conservative with their debt and risk levels due to economic uncertainty," he says. And on top of that, there's the state of the markets. "Our local market has failed to provide motivation to increase loan-to value ratios back towards pre-GFC levels. Customers are maintaining their current positions but ongoing economic uncertainty and the GFC hangover is still impacting their risk tolerance levels."
Despite that, Suncorp reports an increasing number of new customers attracted by low interest rates in order to take advantage of buying opportunities. It's just a question of people becoming convinced that it's safe to go back into the water. "The market is arguably undervalued in some areas, but while uncertainty about the economic conditions across Europe, the US and our own multi-speed economy continue, we expect this cautious approach to play out a bit longer before confidence returns more broadly to drive industry growth."
Across the board, the trend everyone remarks upon is the shift towards self-direction: people taking control, doing their own thing, taking responsibility for their own investments. In a recent Suncorp survey, more than 70% of Australian shareholders said they were making their own trading decisions rather than relying on the advice of a stockbroker. "The control and confidence that customers feel they have from managing their investments will also influence the performance of the market," Doolan says. And this is going to define the way the industry develops from here: serving people like you who want to take charge.
Breakout: CFDs and Forex
Whilst most investors struggle with market volatility, for some people it's good news. CFD providers, for example, thrive in these conditions.
"Market volatility is a big driver for us," says Tamas Szabo, CEO for Australia at IG Markets. IG in Australia has enjoyed growth in all its key metrics: new client takeup and client activity.
"When we see volatile markets, people generally trade shares a lot less and tend to trade indices, commodities and FX a lot more heavily," says Szabo. "Our commodity business has overtaken our overall share volumes recently, and that's never happened before." Where shares used to be dominant for IG Markets, today they are less than 20% of the business. And since indices, commodities and FX are mainly not that easy to track for individual investors, much of this business has flown to CFD providers.
It has helped that commodities have either been soaring through market turmoil (gold), or have behaved with intense volatility that has allowed smart traders to take advantage (silver). "CFDs give clients opportunities to take advantage of market movements – and the trend is towards markets moving rapidly, rather than not doing an awful lot," Szabo says.
Most clients still use CFDs for short term speculation, but it appears more and more are using them for hedging and risk management purposes generally; it's hard for providers to know exactly how their clients are using the product. So what differentiates a good CFD provider? "Reputation and financial strength," says Szabo. "With some high profile cases of financial providers getting into difficulty, this is focused on a lot more heavily. People need to understand the risks of the product and the provider – what happens to their money when they place it on deposit?" IG Markets, which is listed (in the UK) and therefore transparent as well as large, has benefited from this scrutiny, and it never uses client funds for its own hedging activity. On top of that, it has a very wide range of available investments.
Foreign exchange providers, too, appear to be thriving because of volatile markets. "Volatility can have a significant effect on driving trading volumes, which continue to run at elevated levels," says David Morrison, derivatives market strategist at GFT. "While volatility in equity markets has been subdued recently, it has spiked higher in commodity and currency markets." The uncertainty around sovereign debt, and the outlook for global growth, have "kept investors and speculators on their toes," he says. And in his view, it's going to stay that way, with sovereigns having assumed the bad debts that nearly destroyed the banking system, and policymakers facing a great challenge in steering the right path. "Consequently, we expect the financial markets to remain volatile, and this should continue to drive up trading volumes."
GFT's approach is to provide software, education and services allowing customers to trade quickly, efficiently and securely, through its DealBook software. All told, across offices worldwide, it has a client base covering 120 countries; as with IG Markets, the scale and global reach appear to reassure investors. "Increased regulation across the globe is aimed at weeding out bucket shops and creating more legitimacy for the end user," says Kathy Lien, director of global research and analysis.
Lien expects forex to remain in the minds of Australian customers. "Interest in forex trading remains strong and the volatility in currency values will keep FX rates in focus," she says.
Fully Featured Online Broker
Westpac Securities
Features and fees:
Online brokerage of $19.95. Frequent trader discounts, dynamic market information, international share trading, cash management account. Market depth: 100.
What the judges say:
Westpac Securities' brokerage package possesses plenty of bells and whistles for investors and outscored the competition across both features and pricing.
Cheapest Online Broker
CMC Markets
Features and fees: $9.95 for online brokerage. Also allows free stop losses.
What the judges say:
For the average investor the cheapest way to buy or sell shares online is through CMC Markets which offered the lowest rates for a variety of trade scenarios.
Cheapest Non-Advisory Phone Broker
First Prudential Markets
Features and fees: Average price for a $5,000 or $10,000 trade: $14.95.
What the judges say:
First Prudential provides significantly lower cost trading over the phone when compared to its competitors across several trade scenarios.
Margin Loan
Features and fees: Variable rates 8.99%-9.24%; short term fixed rate 8.6%-8.85%; long term fixed rate 7.7%-9.6%. Features include 5% share buffer, interest paid on credit funds, and portfolio management.
What the judges say:
Suncorp's rates and pricing across a range of tiers consistently outperformed its rivals throughout the year, offering investors a cost effective margin lending solution.
IG Markets
Features and fees: 147 Australian shares with margin rates less than 10%; $8 minimum ticket charge; share financing of 2.5%; live ASX data, at a cost of $37.50; guaranteed stop loss, international shares, gold, oil, treasuries, economic research, and company profiles.
What the judges say:
IG Markets offers CFD investors extensive platform features, trading and risk management tools at one of the lowest costs in the market.
Features and fees: Spreads from 0.8 in most major cross rates. 129 pairs offered. Dealer desk.
What the judges say:
GFT outscored its rivals by providing one of the lowest spreads on key currency pairs, a full set of features, and flexible trading options.
Platform of the year – Investment
BT Wrap
Funds under management
$18.33 billion (at 30 April 2011)
Number of investors
51,000 (at 30 April 2011)
Number of advisers
4,500 (at 30 April 2011)
Minimum investment
Maximum administration fees
0.79% p.a.
Average management fee*
0.71% p.a.
Menu options
More than 580 managed investments and all ASX shares
Number of switches
Unlimited; $61 fee per switch
Report frequency
Commencement date
* taken from the average fees of Fully Active Balanced Funds
What the judges say:
BT Wrap is a comprehensive all round product. This includes providing a combination of an extensive investment option menu and a comprehensive range of features, terms and conditions. These are supported by a competitive fee structure.
Being the top player in the platform market, BT Wrap continues to develop market leading features and functionalities. In particular:
Platform of the Year – Super
Macquarie Wrap Super and Pension Manager
Funds under management
$22.70 (at 30 April 2011)
Number of investors
78,500 (at 30 April 2011)
Number of advisers
3,300 (at 30 April 2011)
Minimum investment
$50,000 or $20,000 with regular contributions
Maximum administration fees
0.77% p.a.
Average management fee*
0.91% p.a.
Menu options
Over 650 managed funds and all ASX shares
Number of switches
Unlimited; $20.50 fee per switch
Report frequency
Half yearly
Commencement date
* taken from the average fees of Fully Active Balanced Funds
What the judges say
This product offered the most comprehensive list of investment options amongst the submissions received. This extensive range of options is complemented by its wide range of features, terms and conditions. These include flexible client servicing facilities, excellent capital gains tax management functionality and useful facilities tailored to suit clients' superannuation needs such as enabling clients to split insurance between super and non-super.
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The Twins lost to the Red Sox 1-0 in Boston Monday evening.
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Robinson Sweeps Thompson F2000 Weekend
- 31 August 2014
Thompson, CT – Skylar Robinson dominated the second F2000 Championship Series race on the new road course at Thompson Speedway, taking two victories in two days in the No. 6 Eric Langbein Racing Citation. Robinson's maximum points scoring weekend forces the title fight to the final two F2000 rounds at Watkins Glen in October, as Robinson closes in on Tim Minor's Championship lead. Sam Beasley and Tim Minor completed the podium in round 12 of the season.
Robinson Takes Thompson Victory
- 30 August 2014
Thompson, CT – Skylar Robinson took his second win of the 2014 F2000 Championship season, finding a way past Sam Beasley for the lead and pulling out a gap to the checkered flag at Thompson Speedway. Robinson scored the victory, gaining back some valuable points in the title-chase for his No. 6 Eric Langbein Racing Entry. Beasley finished second for Polestar while Thomas McGregor completed the podium for Exclusive Autosport.
Robinson To Pole
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Robinson and Beasley Lead F2000 Practice
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Skylar Robinson Ready for Thompson Speedway Showdown
- 29 August 2014
Augusta, GA- While many kids are headed to class after summer break, 18 year-old Skylar Robinson is headed back to the race track this weekend for races 11 and 12 of the 14 race F2000 Championship Series. The historic Thompson Speedway in Connecticut will play host to this weekend's events. Currently, Robinson is the top scoring rookie and sits 2nd in overall championship points.
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Dec. 9, 2009, 03:05 AM
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The House Agriculture Committee might push through a bill that would make it easier for banks to trade swaps overseas. It is one of seven measures the panel is expected to take up today. The legislation is aimed at curtailing the Dodd-Frank Act.
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GOP Sen. Scott Brown is well-positioned heading into a potential Massachusetts special election next year, according to a new WBUR-FM poll, with high favorability ratings and advantages in hypothetical matchups with every Democrat tested in the survey.
The poll, conducted by MassINC Polling Group, tests the following Democrats in a primary and in matchups against Brown: Attorney General Martha Coakley, Gov. Deval Patrick, former Rep. Marty Meehan, and Reps. Ed Markey, Mike Capuano, and Steve Lynch. Patrick and Meehan have said they're not interested in running, and Coakley is thought to be more interested in a gubernatorial bid. The three congressmen are considering running.
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The poll also shows Brown dominating a GOP primary with 2010 gubernatorial nominee Charlie Baker and former Gov. William Weld -- though Baker seems to have his eye on another gubernatorial run and Weld has said he would support Brown in a Senate run -- with Brown taking 81 percent support.
Brown has a 58 percent favorability rating, though he just went through (and lost) a nasty race with Sen.-elect Elizabeth Warren. Just 28 percent of respondents see the senator unfavorably. Of the candidates tested, just Patrick had higher favorability, at 60 percent (they even tested Warren, who came in at 54 percent favorability). Coakley has 48 percent favorability, while significant numbers of respondents had never heard of or were undecided about the remainder of the names.
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Find records of Byron Demoss
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Biography & Family History Add details
Byron Demoss (1913 - 1991) was born on November 21, 1913. He was born into the Demoss family.
There are no known spouses or children on record for Byron. Byron died in January 1991 at age 77.
Byron Demoss's last known residence is at Norman, Cleveland County, Oklahoma.
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- Byron
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- Norman, Cleveland County, Oklahoma
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Possible Relatives
- Frank E Demoss
- ·
- Elmer Demoss
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- Clark Demoss
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- Willie R Demoss
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- Lora Demoss
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- Harold Demoss
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- James Demoss
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- Oretta Demoss
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- Alfred Demoss
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- Irvin Demoss
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- Margaret L Demoss
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- Albert Demoss
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- K R Demoss
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- Marvin R Demoss
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- Leona Demoss
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- James Demoss
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- James L Demoss
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- George L Demoss
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- Jay Demoss
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- Bert Demoss