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There is a wide variety of fund structures available to promoters in Ireland. The most appropriate structure in a particular case will be governed by factors such as:
Many funds established in Ireland are UCITS funds i.e. they are established under a common EU framework and benefit from an EU passport. Once authorized in Ireland, a UCITS fund may be sold to the public in other EU states without requiring further authorization in those states. There is a high degree of investor protection associated with UCITS funds and they are also recognized by many non-EU regulators for distribution in their countries. UCITS funds are sold also to institutional investors both within and outside the EU.
For some fund promoters, due to certain investment and borrowing restrictions imposed on UCITS funds, it may not be necessary or desirable to establish a fund as a UCITS. The Irish regulatory framework therefore provides for non-UCITS funds to be established. These funds are typically aimed at more sophisticated investors and enjoy a greater degree of investment freedom than the more retail orientated UCITS funds. Although a non-UCITS fund does not have access to an EU passport, it is possible to achieve a certain amount of cross-border distribution. However, once the Alternative Investment Fund Managers Directive (AIFMD) comes into effect in July 2013, many of these funds will be able to obtain a European passport.
Regulatory changes
Currently, funds in Ireland can be classified as either UCITS or non-UCITS. UCITS are subject to regulation under the European Directive 2009/65/EC, more commonly known as UCITS IV. Ireland has implemented UCITS IV in full. Separately, in 2013 many non-UCITS will be regulated under the Alternative Investement Managers Directive (AIFMD) sometimes known as the Hedge Fund Directive.
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The concept of a UCITS or pan-European fund was introduced by an EU Directive in 1985 and was implemented into Irish law in 1989. Within a few short years, Ireland had established itself as a key pan-European domicile for fund products promoted by most of the world's largest investment management groups.
Investment universe
A UCITS are technically defined as an Undertakings for the Collective Investment in Transferable Securities. Its permitted range of investments has been expanded in recent years to include the following:
Investment restrictions
As investor protection is a key feature underlying the UCITS Directive, there are certain restrictions on the investment policy of a UCITS fund. These can be summarised as follows:
Target investors
While these EU originated restrictions have been designed to protect retail investors, they have not typically reduced the attractiveness of the UCITS product to institutional investors. From a fund promoter's perspective, the ability to establish a single pan-European UCITS fund with multiple share classes for the retail and institutional markets in various EU jurisdictions is attractive from an operational and commercial perspective. The broadening of the investment policies of UCITS funds to include money market securities, financial derivative instruments and to permit fund-of-funds and index trackers makes the UCITS product increasingly attractive to investment management groups.
Cross-border distribution of UCITS
One of the most significant changes introduced by UCITS IV is a simplified, more practical application process. Now if an Irish UCITS wants to market (i.e. passport) into other EU states then it applies only to the Irish regulator, the Central Bank. The Central Bank has a short period to process the application. At the end of this time, the Irish regulator will notify the other EU regulators that it has agreed to the passport and it notifies the fund by email that it now has a passport. If any of the EU regulators needs clarification or has concerns, it must contact the Central Bank who will liaise on its behalf with the fund.
Irish authorized UCITS are also distributed internationally. Because UCITS has become a brand name, an Irish UCITS may qualify for a fast track approval process in a number of non-European countries.
Non-UCITS funds
While a UCITS fund is sold to pan-European retail and professional investors, a non-UCITS fund is typically sold to more sophisticated investors. The main advantage of non-UCITS funds is that they can use leverage and also enjoy a much greater degree of investment freedom. As a result, specialised funds such as property funds, commodity funds and hedge funds are established as non-UCITS.
Sophistication of target investors
An Irish non-UCITS fund is generally established either as a professional investor fund (PIF) or as a qualifying investor fund (QIF). The main differences in terms of target investors are as follows:
In general, the more sophisticated or wealthy the target investor, the more liberal the investment policy regime that will apply. Consequently, a non-UCITS fund established as a QIF enjoys the greatest degree of investment flexibility. On the other hand, a non-UCITS established with a minimum subscription amount that is lower than EUR100,000 is still generally subject to the risk spreading rules of a UCITS fund.
Relaxing of investment restrictions for PIFs and QIFs
A PIF is permitted to derogate from the UCITS investment restrictions and risk spreading rules on a case by case basis. In general, the Irish Central Bank will give a PIF twice the latitude granted to a UCITS. Furthermore, a PIF is generally permitted to borrow up to 100 percent of its net assets.
A QIF is granted an automatic derogation from most investment and borrowing restrictions imposed on other fund types. Irish domiciled hedge funds are therefore typically established as QIFs.
Cross border distribution of non-UCITS
As a non-UCITS fund does not enjoy an EU passport, it must apply for individual regulatory approval in each country in which it wishes to be distributed to the public. However, as non-UCITS funds are sold only to more sophisticated investors, it is possible to offer shares/units in a non-UCITS fund by means of a private placement in the foreign jurisdiction. The local marketing and distribution laws and regulations in that jurisdiction would need to be observed. Once the AIFMD comes into effect in July 2013, many of these funds will qualify for a European passport.
Specialized funds
Money market funds
A money market fund is one that invests in various short term debt instruments such as commercial paper, negotiable certificates of deposit and treasury bills. While these investments are normally purchased in large denominations by institutional investors, this fund structure makes them available indirectly to individual investors.
In order to be classified as a "money market fund" and to apply the amortised cost valuation methodology, a fund must meet specific criteria such as having a triple AAA rating from an internationally recognized rating agency and for its investment manager to have proven expertise in the management of such a fund.
Property funds
As the name suggests, this type of fund invests in property either directly by holding property or through investing in companies which in turn hold property.
Some of the key issues for the Irish Central Bank are that the fund or its management company must be able to demonstrate expertise in property management. Also, the valuation of the property portfolio must take place at least twice a year and be carried out by a qualified independent valuer. The appointment of such a valuer is subject to the approval of the Central Bank. Industry negotiations are currently under way with the Irish regulator to amend the property funds framework to make them more attractive to investors.
Exchange traded funds (ETFs)
Ireland has become the leading European fund domicile for internationally distributed ETFs. While an ETF can be set up as either a UCITS or non-UCITS, the vast majority are set up as a UCITS.
Legal features of UCITS and non-UCITS
The Irish legal framework offers a range of vehicle types for funds – variable capital companies, unit trusts, common contractual funds and investment limited partnerships. All of these vehicle types may be structured as umbrellas with (bankruptcy remote) sub-funds. Furthermore, all offer the possibility of having varying share/unit classes.
The variable capital company and unit trust structures are the most commonly used vehicles. The common contractual fund is a vehicle which is particularly suitable for the pooling of pension fund assets. These three vehicles can be used for UCITS and non-UCITS products. The investment limited partnership can only be used for non-UCITS funds. Based on limited partnership structures in Delaware and Bermuda, the Irish equivalent has not proved to be a popular structure and is not considered further in this document.
Variable capital company
A variable capital company (VCC) operates likes any other Irish company but is required under company law to operate with the aim of risk spreading. It operates through a board of directors and may, if it chooses, also appoint a management company. A VCC will typically delegate functions such as investment management, distribution and fund administration/accounting to members of the fund promoter's group and/or third party service providers. The VCC will also appoint an independent custodian for the fund's assets. Under UCITS rules, there are specific corporate governance requirements to be fulfilled to ensure that a VCC does not become a "letter box entity." As a company, a VCC must hold an annual general meeting of its registered shareholders/investors.
Unit trust
A unit trust is formed under a Trust Deed entered into by a management company (typically an Irish regulated subsidiary of the fund promoter) and an independent trustee (typically a custodian bank). A unit trust has no legal personality of its own – it relies on the management company and trustee to enter into contracts on its behalf. Unlike a VCC, a unit trust is not subject to company legislation concerning shareholder meetings or board meetings. However, the unit trust's management company must, like a VCC, be governed in such a way that it is not a "letter box entity" under the UCITS rules.
Common contractual fund
A common contractual fund (CCF) is established under the law of contract as a contractual co-ownership arrangement. It was specifically designed by the Irish authorities to be a transparent vehicle for tax and legal purposes and is therefore suitable for the pooling of pension scheme assets. A CCF is formed by a deed of constitution entered into by a management company (typically an Irish regulated subsidiary of the fund promoter). The management company usually appoints the investment manager, distributor and custodian and ensures that the VCC is governed in such a way that it is not a "letter box entity" under the UCITS rules.
Single fund or umbrella fund?
An Irish fund can be set up as either a single stand alone fund or as an umbrella fund. An umbrella fund is set up by obtaining the Irish Central Bank's approval to set up one fund but with the possibility of setting up a number of sub-funds governed by the same legal structure. Each sub-fund can invest in different types of assets and have different investors. It is also possible to set up an umbrella fund where each sub-fund is bankruptcy remote from the other sub-funds. The main advantages of this structure are that it reduces costs, improves time to market and allows for a wide variety of products to be offered.
Open ended or closed ended?
An open ended fund is one which will redeem or repurchase its units at the request of its unit holders. A closed ended fund has a specified life during which the unit holders cannot require the fund to redeem its units. A UCITS must be open ended while a non-UCITS can be either open or closed ended.
With the increasing sophistication of investment management techniques, fund promoters require their chosen domiciles to offer a range of legal, regulatory and tax solutions in order for the needs of their clients to be met. Ireland has been to the fore in addressing these requirements. This chapter illustrates the flexibility of Ireland, both as a fund domicile and as a fund-servicing centre.
Re-domiciling law
Ireland has a specific legal and regulatory regime to provide a quick and streamlined process to allow non-Irish funds re-domicile to Ireland. Recently, there has been a marked increase in the number of hedge funds that wish to re-domicile to Europe. Some of the reasons behind this include:
Generally, there is a three stage process consisting of the following.
An official list sets out those countries which can avail of this new process. This list will be updated on a regular basis and currently includes the Cayman Islands, Jersey, Bermuda, Guernsey, the Isle of Man and the British Virgin Islands.
Even if a non Irish fund is not a corporate vehicle, it can still be possible to re-domicile it under Irish common law. The Irish regulator has issued guidance on this process.
Hedge funds
A hedge fund can be distinguished from the more traditional fund types by exhibiting some or all of the following characteristics:
Not only do hedge funds therefore require special regulatory treatment, they also demand a high standard of administration which is readily available in Ireland.
As mentioned previously, many European hedge funds will be subject to the AIFMD in 2013. The Irish regulator and the Irish funds industry has already started work on aligning the current non-UCITS framework to the new directive.
Irish domiciled hedge funds
The Irish Central Bank facilitated the establishment of Irish domiciled hedge funds in 2000 when it introduced new rules which effectively permitted prime brokers to be appointed to Irish funds. As a result, prime brokers could lend to Irish hedge funds and take fund assets as security, even though those assets would leave the custodian's safekeeping network.
The conditions applying to the appointment of prime brokers have since been refined and can be summarised as follows:
Typically, a hedge fund is established as a PIF or a QIF and sold to more sophisticated investors.
Irish domiciled fund of hedge funds
Depending on the target investors such funds can be structured as QIFs, PIFs or as "retail" non-UCITS funds with no minimum subscription. As is the case with traditional funds, a QIF fund of hedge funds is subject to the least amount of investment restrictions.
Since the financial crisis, UCITS funds of hedge funds offering weekly/daily liquidity have also been established in Ireland.
While hedge funds may not currently be authorized as UCITS, relatively recent changes in the UCITS Directives permit UCITS funds to invest in financial derivative instruments (FDI) and to carry out alternative investment strategies. This more flexible approach permits traditional fund products to utilise FDI for investment purposes and not just for hedging or for the purposes of efficient portfolio management.
The main conditions imposed by the Irish regulator on the use of FDI can be summarised as follows:
Pension pooling
A core component in the business strategy of many investment managers is to gather and manage assets of pension funds. Multinational corporations themselves with a multitude of individual country pension plans are also seeking to pool assets in these plans in order to reduce costs, enhance returns and improve the risk management environment.
Although the benefits of pension pooling are well documented, there is a potentially serious drawback when equity investments of pension schemes are pooled in a fund vehicle. This relates to the risk that the fund vehicle could suffer higher withholding tax rates than the underlying pension schemes themselves, which in many cases are tax-exempt entities. For example, depending on the domicile of a pension scheme, a loss of 0.6 percent per annum in performance could be incurred by pooling pension scheme assets in a fund investing in US equities (this is known as tax drag). In such cases, a direct investment by the pension scheme in US equities would be advisable.
In view of the withholding tax limitations of certain fund vehicles in addressing the needs of pension schemes, the Irish authorities created a dedicated fund structure – the common contractual fund (CCF). This vehicle was specifically designed in 2003 as a legal and tax transparent fund. The tax transparency of a CCF should ensure that the withholding tax rate applied is based on the tax status of the underlying investor/pension scheme. This should eliminate the tax drag referred to above. In other words, the CCF offers the advantages of pension pooling while not imposing unfavourable withholding tax rates.
There has been a growing level of interest in the CCF with both multinational pension schemes and investment management groups seeking authorization from the Irish Central Bank. Although there are underlying tax and administrative complexities with the CCF, it is widely recognized as a key product to be considered when finding a solution for pension pooling.
Fast track approval process for QIFs
The Irish Central Bank has a fast track authorization process for qualifying investor funds (QIFs). In order to avail of this, the service providers (including the promoter, management company, custodian and directors of the QIF) must be already approved by the Irish regulator and confirmation must be provided regarding compliance with the authorization criteria. An application filed no later than 3:00pm on a given day will be approved by the Central Bank by 9:00am the following day.
Establishing a new fund, either a UCITS or non-UCITS, in Ireland is a straightforward process. The length of time for regulatory approval is normally quite short as the key issue is whether the parties servicing the fund have already been approved by the Irish Central Bank.
There are a number of options available to the fund in terms of its service providers and substance in Ireland. These options range from a "self managed" fund which only appoints a promoter and a custodian to a fund which has a promoter, custodian, management company and fund administrator. A brief description of the roles of the service providers are set out below together with an indication of the main issues that the Irish Central Bank examines in approving these entities.
Fund authorization process
The application process includes the submission of the following in draft format:
The Irish regulator will review these documents to ensure that they comply with the appropriate regulatory rules and give comments. Once these comments have been agreed and made, the documentation is finalised and the fund will be authorized. This process normally takes 4-6 weeks.
Although there is no legal or regulatory definition of a promoter, essentially a promoter is the entity which sponsors a fund's application. The Irish regulator regards the role of the promoter as crucial and therefore will seek to establish that the promoter has the appropriate experience and expertise. Typically, the investment manager of the fund will also act as the promoter.
The application process consists of the submission of a completed application form together with back up documentation including audited accounts. The application material concentrates on establishing the experience and expertise of the management of the promoter, its financial worth and its regulatory status. The application process takes approximately 4-6 weeks but this can proceed in parallel with the fund's application so that no time is lost. Any OECD regulated entity can apply for authorization as a promoter.
Once a promoter is approved for one Irish fund, it is free to establish any number of future Irish funds. On an ongoing basis, the promoter has a capital requirement to have net positive shareholders' funds of EUR635,000. The regulatory regime for promoters largely consists of the submission of half yearly accounts and annual audited accounts.
Management company
Who needs a management company?
A unit trust and a common contractual fund must always appoint a management company. However, a fund that is set up as a variable capital company does not need to appoint a management company and instead may be a "self managed" fund managed directly by its own board of directors. Once a management company has been approved by the Irish Central Bank, it can manage any number of Irish funds.
What does a management company do?
As the name suggests, a management company provides for the management and control of an Irish fund. However, it is normal for a management company to delegate some of its activities to an investment manager and a fund administrator.
What does the application process consist of?
UCITS management companies
The application process for a management company is more detailed than that of a promoter. The application consists of the submission of:
Again, in assessing such an application, the Irish regulator will concentrate on the expertise in the proposed management company and also its financial standing. Since 1 July 2011, an Irish management company may passport its services into any EU country.
The Irish regulator has issued a guidance note on the substance requirements for UCITS management companies which is UCITS IV compliant. This guidance note sets out that the management company must have at least two Irish directors. Also, the management function should include the following:
In its guidance note, the Irish regulator has stressed that although a management company may delegate some of its functions, it may not do so to the extent that it becomes a "letter box entity."
Ongoing regulation
There is a more detailed regulatory regime in place for management companies. The regulatory rules consist of ongoing financial reporting i.e. half yearly financial and annual audited accounts. In terms of capital, the management company must have the higher of EUR125,000 or a quarter of last year's fixed overheads. In addition, if the net asset value (nav) of the funds under management exceeds EUR250 million, the management company must provide additional capital of 0.02 percent of the amount of the nav exceeding EUR250 million subject to an overall maximum of EUR10 million.
Non-UCITS management company
There are no fixed rules in terms of the application materials that must be submitted for a non-UCITS management company and so the application process is normally shorter. The ongoing supervisory requirement for a non-UCITS management company is similar to that of a UCITS management company i.e. its capital requirement is that it maintains the higher of EUR125,000 or a quarter of last year's fixed overheads. It must also submit half yearly financial and annual audited accounts.
The regulation of these management companies will change in 2013 when they will be subject to the AIFMD.
Investment manager
The investment policy of each fund is set out in its prospectus. However, the day to day management of the portfolio is usually delegated to an investment manager.
While there are a number of investment managers based in Dublin, most investment managers of Irish domiciled funds are non-Irish domiciled.
The investment manager of an Irish fund needs to be approved by the Central Bank. The speed of the approval is determined by the regulatory status of the investment manager e.g. an EU MiFID firm or SEC regulated firm will receive very speedy approval.
New Irish investment manager
However, if it is proposed to establish a new investment manager in Ireland then such an entity will normally require to be regulated under MiFID. This is a detailed application which consists of:
Such an application takes about between 4-6 months.
Once authorized, an investment manager is subject to a number of regulatory requirements including a code of conduct. It will also be subject to the Capital Requirements Directive and must submit management accounts and capital adequacy returns either monthly or quarterly. In addition, it must submit its annual audited accounts. In certain circumstances, the investment manager may also be subject to client asset rules.
Every fund must appoint an independent trustee or custodian whose prime role is to safeguard the assets of the fund and act in the interests of investors.
Who can be a custodian?
A custodian must be:
The Irish funds industry is served by all the large global custodians as well as regional custodian banks, all of whom have been approved by the Irish regulator.
The regulation of Irish custodians will be subject to significant changes under the draft UCITS V and the AIFMD.
What does a trustee/custodian do?
Every Irish domiciled fund must appoint either an Irish trustee or an Irish custodian. In the case of a fund established as a company, it will appoint a custodian while a unit trust will appoint a trustee. Generally, there is little difference between the function which will be carried out by a custodian and that carried out by a trustee.
The essential role of a trustee is to protect the interests of the unit holders and to safeguard the fund's assets. This means that the custodian will hold the assets of a fund on an ongoing basis, it will ensure that the investment management of the fund is carried out within the terms of the prospectus and that the pricing of the fund is properly carried out. The custodian issues an annual report on these matters which is provided to the fund's unit holders and to the Irish Central Bank.
Standard of care
The standard of care required of the trustee varies between UCITS and non-UCITS. In the case of a UCITS fund, a trustee is liable for any loss suffered as a result of its unjustifiable failure to perform its obligations or its improper performance of them. With a non-UCITS fund, the custodian will be liable for fraud, negligence, wilful default, bad faith or reckless disregard of its obligations.
Additional restrictions
No company may act as both a management company and a custodian. Transactions between a manager and a custodian must be carried out at arm's length and solely in the interest of the investors. There can be no common directors between the trustee and the fund for which it acts.
Fund administrator
If it so chooses, a management company can delegate part of its functions to a fund administrator. A fund administrator basically provides the back office services for a fund. Its main duties involve providing a net asset value, fund accounting and processing of subscriptions and redemptions of the fund. Fund administrators in Ireland are regulated under the Investment Intermediaries Act 1995 and/or the Markets in Financial Instruments and Miscellaneous Provisions Act 2007. The application process is very similar to that of an investment manager and includes application forms, business plan and individual questionnaires for directors.
The Irish Stock Exchange (The Exchange) is recognized worldwide as a leading centre for listing investment funds. This has been achieved through a combination of effective and prudent regulation, flexibility, efficiency and timely processing of listing applications. The Exchange is regulated by the Irish Central Bank.
Why list?
There are a number of reasons why a fund would decide to list on the Irish Stock Exchange including:
A listing increases a fund's potential investor base
Certain institutional investors are restricted or prohibited from investing in unlisted securities or securities which are not listed on a recognized regulated stock exchange. Listing on the Irish Stock Exchange enables a fund to market to these institutional investors.
A listing allows investors to mark their fund investment to market
Many fund investors require a publicly quoted stock exchange price for their investment.
A listing increases a fund's prestige and profile
The fact that the Exchange is a recognized European Exchange which is well established and regulated can be used as a marketing tool by fund promoters.
Listing provides publicly available information for investors
All net asset values of listed funds are reported through the Exchange's information system and are carried by Reuters, Bloomberg and other news services. They are also available to investors on the Exchange's own website.
How to list
The listing process consists of the following steps:
Step 1: Appoint a sponsor
Each applicant fund must appoint a sponsor. Currently there are nine authorized sponsors in Ireland. These sponsors are responsible for ensuring that the applicant fund is suitable for listing before submission of any documentation through the Exchange and then deals with the Exchange on all matters relating to the matters relating to the application.
Step 2: Comply with Exchange conditions for listing
The requirements for listing a fund on the Exchange are set out in a rule book known as "Investment Fund - Listing Requirements and Procedures" or more commonly as the "Green Book". These rules are based on the listing rules of the London Stock Exchange known as the "Yellow Book". The sponsor must ensure that the fund can meet the conditions for listing before applying to the Stock Exchange. However, there is a great deal of overlap between the Exchange conditions for listing and the authorization conditions imposed by the Irish regulator.
Step 3: Submit draft listing document/prospectus to the Exchange for approval
The sponsor will ensure that the fund submits a listing document for review by the Exchange. Usually this document will also be the prospectus which is used to promote the fund to the investors. There are a number of specific disclosures that must be included in the prospectus.
Step 4: Approval of listing document and submission of "48 hour" documents
Once approved by the Exchange, the listing document must be signed off by the sponsor and the fund's directors before publication. In addition, backup documentation including specific contracts, certain documents and directors' details and confirmations must be submitted at least 48 hours before the fund is due to list.
Step 5: Listing
Once shares or units in the fund are issued, the listing will proceed on the day requested by the fund promoters.
Step 6: Ongoing obligations
Once listed, fund must continue to comply with conditions for listing and must comply with certain ongoing obligations of the Exchange.
Non-Irish domiciled funds
The Exchange has listed funds that are registered/domiciled in almost every established funds centre in the world. However a fund which is not subject to regulation within the EU, the Channel Islands, the Isle of Man, Bermuda or Hong Kong must be confined to sophisticated investors i.e. have a minimum subscription of USD100,000 (or equivalent).
Ongoing obligations
General disclosure obligation
A listed fund must immediately inform the Exchange of any price sensitive information, material new developments and any material change in performance or financial position.
Annual accounts must be sent to the Exchange and unitholders within 6 months of the accounting year end. There is a similar requirement for interim accounts, with the deadline changing to 4 months.
Notifications must be made where there is an alteration to capital e.g. new issues of debt securities or issues effecting conversion rights.
Interests in units
Notifications must be made in relation to controlling shareholders', directors' or investment manager's interests, and for closed ended funds, holdings of 10 percent or more in the fund's share capital.
Unitholders rights
Proposed variation in the rights of unit holders require prior notification and in certain circumstances prior approval.
The Irish Funds Industry Association (IFIA) is a representative body for the Irish funds industry. It was founded in 1991 and it represents fund promoters, managers, custodians, administrators and professional advisory firms involved in the funds industry in Ireland. Membership of the association represents the entire spectrum of service providers and professional advisors in Ireland.
The IFIA plays an important role in raising the profile of the funds industry in Ireland and promoting Ireland as the prime domicile for UCITS and the preferred choice for the administration of funds, particularly hedge funds.
The IFIA has a full time secretariat based in the Irish International Financial Services Centre. It has a number of representative offices in New York, Boston, Chicago, Atlanta and London.
The IFIA has an elected council of 12 members which govern the association. In addition, there are a number of subcommittees and working groups within the IFIA and these include:
KPMG is well represented on these committees and also is a regular participant in submissions.
The IFIA also represents Ireland at the European Federation of Investment Funds Association (FEFFI) and monitors closely the work carried out by the European Securities & Markets Authority (ESMA).
Through their representation on and participation in governmental and industry committees, both the IFIA and KPMG have played an important role in the development of Ireland's regulatory and legislative framework. The IFIA is also a valuable information resource for the industry in the various papers and technical briefings which it provides.
© 2014 KPMG, an Ireland partnership and a member firm of the KPMG network of independent member firms affiliated with KPMG International, a Swiss cooperative. All rights reserved.
© 2015
KPMG International Cooperative ("KPMG International"), a Swiss entity. Member firms of the KPMG network of independent firms are affiliated with KPMG International. KPMG International provides no client services. No member firm has any authority to obligate or bind KPMG International or any other member firm vis-à-vis third parties, nor does KPMG International have any such authority to obligate or bind any member firm. All rights reserved.


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England took to the defense of the Victory Shield last night at the B2net Stadium in Chesterfield against Northern Ireland.
The England U16 squad have won the Victory Shield a grand total of 34 times, outright, and have retained the title since 2001. The England U16s v. Northern Ireland U16s fixture is the 3 Lions' first match played at this level this calendar season. It is also the first chance that England coaches get to see the brightest young talents in the country play in a competitive fixture, after initially assessing them at the also-annual August U16 training camp.
From a total of 40 players picked, England coaches whittled down the squad to a competitive 18 for Northern Ireland. The England U16 squad will likely shuffle once again for the Wales match on October 27 and once more for Scotland (fixture date TBA). Expect goalkeeper rotation, as well as certain players to be retained across multiple fixtures. The complete England U16 squad, along with substitution formation can be found below.
England U16 Squad
- Angus Gunn (Man City)
- Ola Aina (Chelsea)
- Ashley Smith-Brown (Man City) – subbed by Ben O'Hanlon (Wolves) 52′
- Aaron Hayden (Chelsea) – subbed by Arlen Birch (Everton HT)
- Conor Ogilvie (Spurs)
- Lewis Cook (Leeds)
- Ruben Loftus-Cheek (Chelsea, captain)
- Mason Bennett (Derby)
- Emmanuel Sonupe (Spurs) – subbed by Dan Crowley (Aston Villa) 57′
- Conor Hunte (Chelsea) – subbed by Seyi Ojo (MK Dons) 46′
- William Marsh (Liverpool) – subbed by Jordan Brown (Arsenal HT).
Substitutes (not used): Alex Palmer (GK, West Brom), Josh Cullen (West Ham)
England U16 vs Northern Ireland U16s Match Report
England U16's start off brightly. While the media hype and focus was shifted towards Derby County's Mason Bennett, captain Ruben Loftus-Cheek of Chelsea stood tall in the centre of the park comfortably dictating play and pulling the strings. England largely dominated early possession, with the four starting Chelsea players seeing the majority of the ball. Right back Ola Aina took like a duck to water to his surroundings, running riot down his flank. Cutting in neatly and not afraid to take on the Northern Irish back line Aina's graft was almost rewarded after a long range effort flew narrowly over the bar.
It didn't take long for England to make an impact. 14 year old Lewis Cook of Leeds, playing alongside Loftus-Cheek in midfield, was granted the autonomy to run and take on players. His tenacity paid off as England countered quickly from their penalty area after thwarting a Northern Ireland corner. With Cook eating up space with the ball at his feet, it was only a matter of seconds before he was cruelly taken down, only to quickly spring to his feet and have the awareness to pass the ball off to a supporting Mason Bennett who threaded the needle for Conor Hunte to finish with aplomb.
England continued to press with Northern Ireland goalkeeper Conor Mitchell keeping the hosts at bay. Mason Bennett headed just over and Aaron Hayden had a header saved at point blank range. It wasn't all smooth sailing as Angus Gunn was forced into action with a fine 1-on-1 save after timing his run off his line to perfection. Minutes later, however, right before the half-time whistle, Gunn was unable to stop the next Northern Ireland attack. A nervy Connor Ogilvie of Spurs miscontrolled as last man, before slipping, letting Jamie McDonagh in to equalise.
Half-time saw Aaron Hayden replaced by late call-up Arlen Birch, and the starved-of-service William Marsh replaced by Arsenal's 14 year old Jordan Brown. Four minutes later it was the Arsenal man making his moment count. Brought in as replacement for 'Boro's Bryn Morris, Jordan Brown was in cruise control up the left wing, beating his man before sliding over a delightful cross for Hunte to flick on to Bennett to nod in. 2-1 England.
Three minutes later goalscorer Conor Hunte was replaced by MK Dons youngster Seyi Ojo, who made his debut for their U18s at just 13 years of age. It didn't take long for Ojo to show fans why he's so highly rated, showing a deft piece of skill to bamboozle the tormented Northern Ireland right back, before sliding gracefully past him and crossing for Mason Bennett to grab his second of the match.
At 3-1, the substitutions continued. England welcomed Ben O'Hanlon of Wolves and Dan Crowley of Aston Villa onto the pitch, with the latter making a superb impact. Standing at 5ft nothing, 14 year old Crowley showed the crowd what he was all about, taking on three players before rasping a shot narrowly wide from 25 yards. England pressure continued, with Northern Ireland keeper Mitchell saving well with his legs to deny Jordan Brown from close range after a fine run from Loftus-Cheek.
3-1 was the final result, meaning England top the Victory Shield group after Wales and Scotland drew 0-0.
Overall a pleasing performance from England's U16s. Standout performers include Mason Bennett, Ruben Loftus-Cheek, Lewis Cook, and Dan Crowley. Bennett was readily available, with Northern Ireland completely unable to contain his presence on the pitch. Continually dropping off his man and looking for the ball, Bennett's two goals were just reward for his input. In terms of workrate, the same plaudits should apply to Ruben Loftus-Cheek. Dominant in midfield, his footballing maturity shone through, belying his age. Both Cook and Crowley weren't afraid to dribble, looked sharp on the ball, and are [excitingly enough] both just 14 years old. Special mentions also go to Chelsea duo Ola Aina and Conor Hunte who both showed considerable promise in their position of choice.
Dan Crowley of Aston Villa
10 Responses to "England U16s Beat Northern Ireland 3-1"
[…] Ojo was the lone representative of League One in the England U16 side that beat Northern Ireland 3-1. Ojo was at MK Dons since 2007 and was brought to the club by talent spotter Ian […]
[…] U16 Victory Shield squad for the match against Wales has been locked down. Several players from the Northern Ireland match have been retained, with a sprinkling of fresh talent from the England U16 training camp […]
[…] Ojo was the lone representative of League One in the England U16 side that beat Northern Ireland 3-1. Ojo was at MK Dons since 2007 and was brought to the club by talent spotter Ian […]
have you got any more videos??
[…] latest [England] U16 group looks exciting. Usually, at other age groups, we are talking about 2 or 3 players, but that is a […]
[…] played some part in the Victory Shield last term, with a number of them standing out (in particular Dan Crowley and Sheyi […]
go dan crowley you will be a villa star in 4 years time just hope you don't become a lee hendrie type of player who shows lots of promise but does not fulfill them
[…] Dan Crowley has represented Ireland at U15/6 level. […]
[…] of the U19 NextGen squad. Highly rated at The FA and Bodymoor Heath. We particularly enjoyed this little nugget against Northern Ireland as well as his cameos throughout the 2012 St. George's Park […]
I seldom comment, but I read some of the comments on this page England U16s Beat Northern Ireland 3-1 | England Football Blog.
I do have a few questions for you if you do not mind.
Could it be only me or do a few of the remarks look as if they
are written by brain dead visitors? :-P And, if you are posting on other online
social sites, I'd like to follow everything fresh you have to post. Could you make a list of all of your shared pages like your linkedin profile, Facebook page or twitter feed?

subset: commoncrawl


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Tune Sunday nights at 7pm for one hour of HOMEGROWN music from all over Western North Carolina with features on different events happening in the area.
This week (06-21-15) you will hear music from:
Ryan Sheffield and the Highhills
The Bull Moose Party
Stephen Evans
Matt Townshend
Alex Krug Combo
and more!
Get your band involved with Homegrown by sending your material to:
98.1 the RIVER "HOMEGROWN"
Asheville Radio Group
1190 Patton Ave
Asheville, NC 28806
To get your shows mentioned on Homegrown email your dates to Heather. Please keep in mind that show dates are needed at least 2 weeks prior to event and are not guaranteed to be included on Homegrown.
E-mail Heather with questions, comments and requests.
What should you do this weekend and who should you see?
Have a look at these local event calendars:
Mountain X Events | Black Mountain Music Scene


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The OCU Men played their first home match against Kentucky Christian and came out with a win with a big support from their fans. "We had a great turn out today. Read more »
Ohio Christian University defeated the defending Mid East Regional Champions of Kentucky Christian University with scores of 25-22, 21-25, 25-22, 18-25, 15-11. Read more »
Ohio Christian University beat the Flames of Free Will Baptist Bible College in three sets 25-12, 25-9, 25-12. The Flames got up early in the first set 4-2, but OCU came back to tie it up at 5-5 and never looked back. Read more »
The women
OCU Freshman, Emmanuel Harris, was named Player of the Week for the NCCAA Division 2 soccer. A national honor, "E-man" was recognized for his efforts in scoring 2 goals and assisting on another in their game against Southern State. Read more »
Ohio Christian University lost a tough match to the Eagles of Cincinnati Christian University. The Trailblazers trailed early in the first set 1-7. Read more »
The men's soccer program started the '08 campaign with something that few others have done in the past. Win their first game. The men traveled to Southern State C.C. and started scoring early. Read more »
1476 Lancaster Pike (view map)
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STEM cell therapies for human brain diseases may have come a step closer, after monkeys with symptoms of Parkinson's disease showed marked improvement following a single injection of neural stem cells.
To recreate the symptoms of Parkinson's in African green monkeys, Richard Sidman of the Harvard Institutes of Medicine in Boston and his colleagues injected them with a chemical that damages neurons that make dopamine, a neurotransmitter vital for controlling movement.
They then injected the monkeys' brains with neural stem cells from human fetuses that had been miscarried at 13 weeks. A month later, the monkeys showed marked recoveries. "They could stand, walk, feed themselves, and had regained independent living," says Sidman.
After around four months, the animals began to deteriorate, probably because the cells were being attacked by the monkeys' immune systems. However, they were still much healthier than untreated monkeys (Proceedings of the National Academy of Sciences, DOI: ...
To continue reading this article, subscribe to receive access to all of newscientist.com, including 20 years of archive content.


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Toll-Free: 1-800-540-0320
Substance Abuse & Mental Health Services Administration
Last Updated: 6/22/2012
What Health Providers and Organizations Need to Know About Wellness
A product of the Wellness Initiative of the Substance Abuse and Mental Health Services Administration (SAMHSA), this fact sheet makes the case for the importance of the initiative, which focuses on wellness to reduce the high rate of preventable early death due to physical health problems among people with mental health and substance use problems. The fact sheet presents details of the issue, including high rates of chronic medical conditions among people with mental health and substance use problems, medication and lifestyle issues that may lead to or worsen physical health problems, and lack of social inclusion as contributing to health problems. It also explains the goals of the Wellness Initiative, lists ways that providers and organizations have promoted wellness, and identifies additional resources providers can use to promote wellness.
Resources for the New Integrated Healthcare Workforce
As healthcare facilities integrate primary care and behavioral healthcare services, many new roles and skills will be required of the workforce within these facilities. This webinar presents nine core competencies for staff providing integrated care, discusses how these can be used in recruiting employees and developing employee skills, and presents resources available through SAMHSA-HRSA Center for Integrated Health Solutions. Find webinar materials along with other archived webinars at
Provided by the organization Peers Envisioning and Engaging in Recovery Services (P.E.E.R.S.), PEERS TV is an online collection of videos on mental health topics. Videos at PEERS TV include the organization's popular interview series Mental Health Matters, as well as other content produced by PEERS or from other organizations. Topics, which can be viewed in a menu on the right side of the PEERS TV landing page, include empowerment, spirituality, outreach, media, housing, and culture-specific videos.
Employment and Economic Self-Sufficiency Tool Kit
Based on consumer feedback, employment and financial self-sufficiency have been shown to be two vital aspects of recovery and social inclusion. As part of the WE Can Work campaign and WE Can Save campaign, the featured curricula on employment and economic self-sufficiency provide useful guidelines, peer-to-peer tips, and model resources run in New York for people with disabilities who wish to enter the workforce and also to save money. Also included is a video that features success stories of peers reentering the workforce.
The OECD Mental Health and Work Project
This webpage focuses on the Mental Health and Work Project run by the Organization for Economic Co-operation and Development (OECD), an international organization working to promote economic and social well-being for people around the world. The project looks specifically at mental health and the workplace and gathers statistics from various countries regarding the impact mental health issues can have on measures of employment success, such as one's ability to retain a job, reenter the workforce, and advance in his or her career. The project reports on these statistics for various countries, the impact of policies, and successful models of integration and support.
Choose Work Blog, Ticket to Work
This blog covers a range of topics to support individuals with disabilities as they seek to become contributing members of the workforce, holding jobs, building careers, and gaining financial independence. It includes the Money Mondays entry series, which is posted every other Monday and provides helpful and timely information on managing expenses and debt, taking advantage of Work Incentives, and tips for budgeting and understanding tax returns and credits.
Mental Health Matters: When Therapists Disclose
In this episode of Mental Health Matters, two mental health providers discuss their personal mental health histories, the challenges and successes they have faced, and how they came to their decision to disclose this information to their colleagues and select clients once they became practitioners. They reflect on how disclosure positively shapes their own recovery process, their working relationships, and their overall ability to help others achieve wellness in a supportive environment. Widespread misconceptions that mental health providers lack lived experience and the effects these misconceptions have on client relationships are also discussed.
Ticket to Work -- Find Help Page
This Ticket to Work "Find Help" page is a useful resource for Ticket to Work participants looking to identify service providers by type, location, or services offered. Through this Web page, individuals can enter their zip code and search for different types of providers in their area: State providers, providers across multiple States, employment networks, national providers, and vocational rehabilitation agencies. The Web page explains the types of services offered by each of these types of provider organizations. More detailed information about individual service provider organizations can be found once search results are displayed.
Ticket to Work Success Stories
Ticket to Work video and print productions feature people who have successfully used the Ticket to Work program to achieve gainful employment and financial independence. In this video, Megan Riggs, a woman who has a mental health disorder, shares her experience with Ticket to Work and how it helped her return to work. A recent Ticket Talk podcast, available at http://choosework.net/blog/jsp/blog.jsp?post_id=210, features a "catch up" interview with Megan, who discusses how Ticket to Work and Work Incentives continue to help her progress in her employment.
Ticket to Work
Social Security's Ticket to Work program supports career development for people with disabilities who want to work. The program is free and voluntary and exists specifically to help people who receive disability benefits progress toward financial independence. People ages 18 through 64 who receive Social Security Disability Insurance (SSDI) and/or Supplemental Security Income (SSI) benefits because of a disability can participate in the program. This Web site provides detailed information about the program for Social Security beneficiaries interested in exploring return-to-work opportunities. The Ticket to Work Help Line can be reached by calling 1-866-968-7842 (V) or 866-833-2967 (TTY).
Employer Tutorial Chapter 4: Strategies
The Cornell University Employment and Disability Institute offers this online employer tutorial with methods for understanding non-obvious disabilities in the workplace. It describes strategies for building a culture of trust to encourage accommodation requests and emphasizes the need for building awareness in recognizing the impact that negative misperceptions can have on people with mental disorders.
Opening Doors to All Candidates: Tips for Ensuring Access for Applicants with Disabilities
This fact sheet provided by the Office of Disability Employment Policy lists tips for employers working with individuals with disabilities. It describes specific do's and don'ts for important workplace issues like communication and accommodation and provides a brief list of resources for employers to reference for additional assistance and guidance.
Fostering Workplace Inclusion
This workplace inclusion guide from the AskEARN Web site offers detailed recommendations for employers, human resources staff, and supervisors in creating a work environment that is fair and accommodates individuals with disabilities. This guide includes information on training options, ways of getting feedback from staff, and strategies for enhancing policies to create a work environment that supports all employees, including those who have disabilities, in working to their full potential.
Strategic advantage of diversity
This Employer Assistance and Resource Network (EARN) fact sheet outlines some key benefits of diversity within the workplace. It focuses on one's disability as adding to a diverse work environment and the benefits of workplace inclusion, which include job satisfaction and loyalty to a company. The brief 1-minute video included on this page also highlights benefits of diversity in the workplace.
Employer case examples
This resource provided through the Partnership for Workplace Mental Health is a place where employers can come to learn from one another about practical ways of advancing mental health in the workplace. Through this Web page, individuals can view employer profiles where employers share information on their companies, including total number of employees, region, a description of the mental health challenges needing to be addressed, and ways they have worked to resolve these challenges. Visitors to this Web page can also share stories of what their company is doing to advance mental health.
Mental health works: Maine State government participates in depression screening and work-focused intervention
Mental Health Works is a quarterly publication produced by the Partnership for Workplace Mental Health, a program of the American Psychiatric Association. This issue focuses on Maine's use of depression screening and work-focused intervention to improve the mental health of its employees. These employees have benefited from their State government's participation in the Work and Health Initiative care program pilot study, which includes different supports like work-focused counseling. In addition to Maine's recent efforts, this issue explores the efforts of others, like the Chesapeake Energy Corporation in Oklahoma City, in engaging employees and providing resources for them to address mental disorders. This issue also examines the exclusion of mental health treatment from employers' health insurance coverage.
Mental health works: A host of employer resources at your fingertips
This Partnership for Workplace Mental Health quarterly issue of Mental Health Works provides resources for employers. This issue explores bullying in the workplace, stress in America, developing a foundation for workforce resiliency, and managing the risks of violence in the workplace. Current data on these specific topics are charted throughout this booklet, and detailed recommendations for employers are provided.
Mental health matters: BestNow! and consumer employment
In this episode of Mental Health Matters, the program coordinator and a program graduate describe the BestNow! program. This program trains peer specialists to become more active and productive in their communities, to expand on their current skills, and to encourage participants in their own vocational development.
Sick on the job? Myths and realities about mental health and work
This Organisation for Economic Co-operation and Development (OECD) fact sheet presents data relevant to many of the misconceptions about mental health and employment. Productivity within the workplace as well as the role of quality treatment on improving employment outcomes is discussed. This OECD fact sheet also provides a list of ways that policy can help create a more inclusive job market for people with mental health problems.
We can work: The employment tool for people with psychiatric disabilities in New York State
The We Can Work campaign seeks to empower people with mental disorders to successfully explore and secure meaningful employment through shared success stories and by providing resources. This tool provided by the New York Association of Psychiatric Rehabilitation Services helps to address the disproportionate rates of unemployment and low income among individuals with mental disorders. It includes a number of fact sheets from the peer perspective about where to begin the process of returning to the workforce, work incentives, employment resources, information on disclosure and reasonable accommodations, and tips on identifying peer support for employment.
Essential tools: Improving secondary education and transition for youth with disabilities
This guide provides information for educators, community agencies, families, and workforce development specialists working to develop an environment that improves and enhances school and post-school outcomes for youth with disabilities. The guide explains an approach called community resource mapping and discusses how this approach can be used to foster interagency collaboration with the goal of ensuring that all youth have access to a broad, comprehensive, and integrated system of services.
Accommodation Information by Disability: A to Z
This information page from the Job Accomodation Network (JAN) website is made up of links which provide general information on various conditions and some possible accomodations employers could provide for individuals with these conditions. Resource organizations to assist in providing proper accomodations are also available through this page.
Are You in Recovery From Alcohol or Drug Problems?: Know your Rights
This brochure was developed to help individuals in recovery from substance use problems know their rights under federal laws, understand the legal consequences of substance use-related conduct, and to learn what to do to overcome barriers. Specific topics addressed include information on discrimination laws as they relates to housing, employment/job training, education, past convictions for substance offenses, and government services/programs. This document also provides contact information for Federal agencies that accept complaints of disability-based discrimination.
TBI, PTSD & Employment: An Online Training Tool for Employers, Supervisors & Hiring Managers
The purpose of this training tool is to educate human resource professionals and employers about Traumatic Brain Injury (TBI) and Post-Traumatic Stress Disorder (PTSD). The training explains how these injuries may impact employment, and the significant role that employment can play in the recovery of wounded military service members. This training includes clinical information about TBI and PTSD and links to additional resources.
Social Determinants of Health: The Solid Facts (2nd Edition)
This publication discusses research that explores determinants of health standards in modern society and highlights key components of this research in the context of public policy. The publication explains how psychological and social factors influence health and longevity. It focuses on 10 main topics including the importance of health determinants in childhood, and the effects of working conditions, social support, and unemployment.
Shift's line managers' resource
This web-based guide, designed by Shift, offers a variety of resources about managing and supporting personnel with behavioral health problems. The guide includes a series of short videos, case studies, and other materials for employers, employees, and job seekers.
Workplaces that thrive: A resource for creating mental health friendly work environments
This toolkit developed by SAMHSA contains information and tools for human resource personnel and managers to use in developing a mental health friendly workplace.
A mental health friendly workplace: It's in every company's best interest
This booklet developed by SAMHSA invites business leaders to take a serious look at the role of their employees' mental health and how it relates to both their well-being and the bottom line.
Disclosing your disability to an employer
This fact sheet discusses the disclosure of ones' disability to an employer. Provides information on how to prepare to disclose ones' disablity to an employer, and also when is the best time to disclose your illness.
A mentally healthy workforce: It's good for business
This booklet provides assistance to employers and companies who are interested in changing the workplace from a mentally unhealthy environment to a healthy one.
Filing an ADA employment discrimination charge: 'Making it work for you'
This guidebook provides information about how the ADA employment discrimination administrative charge process works and what has happened when individuals with psychiatric disabilities have filed administrative claims of employment discrimination. It explains, through discussion and examples, when, where, and how to file a charge.
Employment scenarios: What would you do?
This Web page outlines three examples of mental health issues in the workplace, and provides appropriate responses about how to address them. It also provides links to appropriate resources.
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On the New Moon of August 25th, the Lion's Gate will come to its conclusion. Yet, it certainly is not the conclusion of our transition into higher dimensions. During this Gateway, much progress has been made in our Ascension.
About six weeks ago I shared about the Sirian Universal Merkabah followed by the Lion's Gate. We now enter an expansion of both of these Gateways to further empower us in order to enhance what we have manifested during this time.
Well you've probably been hearing me and some others talk quite a bit about the "Liongate," which has a been a Stargate/power portal of high powered energies with transforming potential.
I am in the middle of intensive preparations for my trip to the Middle East/Turkey Region, but I needed to share this with you, as I felt it was so exciting. It has to do with being PRESENT in your own life and noticing the Miracles of Right Now.
The Sirian Universal Merkabah and Lion's Gate (also a gift from our Sirian partners) has brought a boost in New high dimensional life. The energy of the Lion's Gate continues through the Full Moon (bringing a further download of this Light) on August 20 and culminates around August 26, when all the Light we've gathered is released onto Gaia.
It's been a while since I wrote, but I feel as though I have been down the Rabbit Hole myself! What an intense month of Energetic movement, culminating in the Lion's Gate on the 8th of August (8:8).
Thousands of words have been written and spoken about the miracle of the next few days' "Lion's Gate" energy burst. Many relay that you will manifest all you wish. That you will be healed. That you will move into joy.
Just when we thought things couldn't get any more intense, we are being infused with two great "leap-forward" cosmic events. One is the Sirian Universal Merkabah that began infusing our own Merkabah, upgrading it in order to rise in vibration, on July 17 culminating July 29/30.
We have called this time New Life Awakening – your spiritual journey through human birth into Homo Luminus – becoming an awakened being of Light in the fullness of your human form.
Beloved Family of Light, in this year of 2012 you have just passed a Singular Time Marker...the Lion's Gate of 8 : 8, the 8th of August 2012. This marks the beginning of the Planetary New Year and the New Cycle of Energies leading into 2013 and the Manifestation of the Multi-Dimensional New Earth into your Reality.
As we move towards what I think of as our "date with destiny"on the 11/11/11, I have been finding that words are not flowing as easily as in the past. It is almost like I have developed an aversion to the clever "mind bytes" and sage advice that is so common these days. Advice on how to live, what to think, how to make money and what to say....and yet....the desire is to go deeper and deeper.....deeper into the very truth of Who we Are and what we Feel in our Heart and Soul.
As we round the corner into the lair of the Lion (the month of Leo) we find ourselves face to face with our ancient future and our ancient past. Reflections in our world mirror our inner needs on all levels bringing to the surface all that has been buried alive. Emanations from the light behind the sun rearrange our brain waves, readjusting the thinking patterns that have kept us hostage in an elliptical orbit of humanness. The giant sunspots and coronal mass ejections we are presently seeing are but a glimpse into the life force of this Superior dark Sun that extends her super magnetic vibration into all parts of our known and unknown solar system.
You may ask, what is a vortex? A vortex simply put, is a spiraling stream of energy that contains Light patterns/codes. The origin of all creation, whether it be the human structure or a planet with sacred sites, can be traced through vortices. Your Earth has 13 major vortices, or 12+1. Each vortex has a specific ray of Light, and each soul has a corresponding relationship with a specific ray & vortex.
August 8, is composed of the marriage of matter and antimatter. It was a place were the polarities meet and heaven and earth sipped from each other's glass. It was a celebration beyond time that escorted us home through the Sphinx Lions Gate to the Stars. This was an unprecedented event that Took place last year. The very ends of our DNA opened as their telemere endings were unwrapped to expose a NU possibility. What comes to be has not unwrapped fully in time. August 8 ( 8:8) has always been experienced as the Lions Gate doorway
88, 888 or 88:88 - As Above So Below and Within - This configuration gives to you the infinity portal escorting you past all pervious limitations. It is a number of going beyond what you know to be your normal boundaries. It asks you to fly to the moon and stop by the Milky Way on your way back. It is pure spiritual atomic energy, a pure power source.


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{1} Vintage Kilo Sale, Edinburgh
We all buy food by weight, so why not clothes? Brought to you by Britain's biggest vintage wholesaler, which is taking five tons of vintage stock to Scotland and selling it at £15 a kilo. There couldn't be a cheaper way to bulk buy retro outfits.
4 and 5 May, judysvintagefair.co.uk
© independent.co.uk


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DURING HER NEW Year's message to the Nation, President Ellen Johnson Sirleaf expressed the hope that 2013 will be a year of true patriotism and reconciliation that will accentuate the positive things that unite Liberians. The Liberian leader noted that the Government of Liberia will forge ahead with its reconciliation program by implementing the Roadmap, which aims at accounting for the past, managing the present, and planning for the future.
PRESIDENT SIRLEAF ALSO said for 2013, Government will be placing great emphasis on infrastructure, with power, ports and roads as its three areas of concentration. According to her these, in turn, will facilitate education, health and agricultural sectors.
"WE EXPECT 2013 to be a good year of demonstrable progress, so that our people will see what this government is doing, what we've accomplished not just in Monrovia, but elsewhere in Liberia," President said.
TOUCHING ON OUR sub-region, President Sirleaf prayed for peace and good relations with Liberia's neighbors, especially the countries of the Mano River Union. She also expressed satisfaction with the level of cooperation and the joint monitoring that Côte d'Ivoire and Liberia have at their respective common borders.
MOREOVER, TODAY THERE'S total harmony among the leadership of the sub-region, as they concentrate more on how they can improve regional cooperation and regional integration.
WE JOIN IN expressing the strong believe and expectation that the New Year will see Liberians exercise a true sense of patriotism, foster reconciliation with one another and concentrate on those things that will continue to project the country as one of the good nations of the world. To do this requires hard work, dedication and understanding by all Liberians as we all strive to build a vibrant nation that can compete in all sphere of life.
WE SHOULD BE united with a common sense of purpose, respect our leaders as well as one another for the growth and development of our country that has suffered as a result of a prolonged civil war which with the help of our neighbors and partners, we have finally been rescued from bloodshed to nation-building. A true sense of collective patriotism, genuine reconciliation and the feeling of being our brothers' keepers in this New Year can contribute meaningfully to the building of our country.
AS WE ARE now on the smooth road of lifting our nation to greater height let's reconcile with one another in a true sense and do not wait continuously for government to do this alone because we are all part of the government under the current democratic process.


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|« Back to Article
Man shot by police in Tranquillity Park
By Cindy George | November 21, 2011 | Updated: November 21, 2011 11:06pm
Photo By Mayra Beltran/Houston Chronicle
Amy Tepper and "J.J." talk about their experience when a gunman walked into Occupy Houston camp at Tranquillity Park and shot into the air Monday. Tepper says she was terrified when the gunman pointed the gun at her.
Photo By Mayra Beltran
Occupy Houston demonstrators watch as their friends are interviewed after Monday night's shooting.
Photo By Mayra Beltran/Houston Chronicle
Occupy Houston eyewitnesses are taken away for further investigation after police shot a gunman at Tranquillity Park.
Photo By Mayra Beltran/Houston Chronicle
Amy Tepper says she is still shaken up after the gunman pointed his weapon at her.
Photo By Mayra Beltran/Houston Chronicle
Samantha Trevino and Amy Tepper, 18, talk about their experience.
Photo By Mayra Beltran/Houston Chronicle
Houston police investigate the scene at Tranquillity Park.
Photo By Mayra Beltran/Houston Chronicle
The wounded gunman was taken to an area hospital.
Photo By Mayra Beltran/Houston Chronicle
Occupy Houston demonstrators look at their friends been interviewed by Houston police.
Photo By Mayra Beltran/Houston Chronicle
Houston police mark shell casings in Tranquillity Park.
Photo By Mayra Beltran/Houston Chronicle
Jamin Stocker watches as police interview fellow occupiers.
Two Houston bike patrol officers subdued a gunman who was pointing and shooting a rifle in downtown's Tranquillity Park near the Occupy Houston encampment late Monday afternoon, bringing moments of terror to an otherwise routine rush hour.
Despite hails of gunfire from both law enforcement and the rifle-waving man, no bystanders or officers were injured.
The 21-year-old man was struck at least twice and taken to Ben Taub General Hospital with injuries requiring surgery, but that are not believed to be life threatening, Houston Police Department spokesman John Cannon said.
The gunman, whose name was not released, has a Houston address and was carrying a .40-caliber rifle. Police are investigating whether the man has a history of mental health issues.
Cannon said that every Occupy Houston participant interviewed said the man was not part of the movement and that they had never seen him before Monday night. Authorities are not aware of any other suspects or collaborators in the incident.
According to several witnesses, the man was wearing a black suit and white shirt when he entered Tranquillity Park from Bagby Street, shooting a rifle in the air about 5:15 p.m.
"I thought it was a joke," said Occupy protester Tim Jones. "It smelled like a cap gun."
Jones and others said they realized the weapon was real when the man reached the pedestrian bridge over the reflecting pool and fired into the water, sending ripples across the surface.
At one point, the man put the rifle to his own head, Cannon confirmed.
Within seconds, HPD special operation bike patrol officers H. Lam and A. Cantos were on the scene giving the gunman commands to drop his weapons. A standoff ensued on the bridge.
Occupy Houston peacekeeper who identified himself as Capital Baker said the man shouted "Kill me, kill me."
When the gunman failed to comply with numerous commands to drop the weapon and waved the gun toward officers, they feared for their lives and fired, Cannon said, hitting the gunman several times.
The incident, which saw bullets flying in a small, populated area during the after-work rush was over in a matter of minutes.
Witnesses said though the gunman pointed his rifle at people gathered in the park, he did not appear to be targeting the Occupy movement because he walked right by the main encampment on his way to the bridge. Bullet casings and an ammunition clip left on the bridge remained surrounded by crime scene tape for hours.
Amy Tepper, 18, said the gunman pointed his weapon directly at her. She was among about a dozen people involved in Occupy Houston who were whisked away in police cruisers to HPD headquarters for questioning.
"It startled me," she said.
City Councilman James Rodriguez reported seeing three flashes from his office window at the City Hall Annex, across the street from the park. It's unclear whether those were shots fired by the gunman or law enforcement.


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Mouldings, made to our customers\' Requirements, are available in various grades of Silicone Rubber, or alternatively, in other materials viz: Neoprene - Nitrile - Natural EPDM and in Fluorocarbo ...
Category: High Frequency Coaxial Cable for Appliance Wiring
It is divided into 10KV and 35KV. Functions and Characteristics 1.Short circuit trouble that caused by mouses, snakes and other small animals is prevented. 2.Prevent the corrosion that caused by ...Keyword : electronic components
Category: Heater Control Assembly
To close the gas heater from suddenly extinguishment. It adopts solenoid valve as a controlling components. When the gas heater extinguish suddenly in working state, this protector will power off and ...
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26 years exoerience of mould design and molds making! 600staff in total, 40-50 mould design engineers. ISO9001:2008 certificated! Attached are only some examples of the products that we can make. A ...
Category: Adhesives & Glues
Product Introduction Ausbond 182 is a kind of single-component room temperature silicon rubber, which is semi-flow and temperature resistant organic silicon sealant based on the adoption of special ...
Category: Stamping dies or punches
Clients: SONY Export to: Spain Die Type: 1-out progressive components Standard: FIBRO Stations: 17 Die size: 2950L*850W*550H Press: 400T Cutting and notch steel: DC53 Lead time: 50Days Shippi ...
Category: Household Electrical and Mechanical Parts
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Website:www.yesmould.com Steel: S45C, P20, 718, 718H, 2738, 738H, NAK80,SKD61,E420,etc.(For Reference) Mould Base: LKM or Self-made. Hot Runner: YUDO, HASCO,M-H-R, etc.(For Reference) Mould components ...Keyword : home appliance mould
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Ensure users are kept updated about the very latest share or stock information – wherever they are.
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MacArthur Fellows / Meet the Class of 2011
Francisco Núñez
Choral Conductor and Composer
Young People's Chorus of New York City
New York, New York
Age: 46
Published September 20, 2011
Francisco Núñez, a conductor, composer, pianist, and founder of the Young People's Chorus of New York City (YPC), is shaping the future of choral singing for children. His vision of young voices from inner-city to elite schools singing new music of the highest quality underpins all that he does. Melding this vision with expertise, passion, and entrepreneurship, Núñez has elevated the youth chorus to the ranks of serious contemporary music, commissioning and performing some of the most challenging works for youth choirs. His belief in the beauty of young voices and his commitment to experimenting with their boundaries and possibilities has allowed him to dramatically expand the expressive capabilities of the youth choir. Today, with over one thousand young people in five after-school choruses and thirteen choruses in its Satellite School Program in inner-city public schools, Núñez's YPC exposes young singers to an unmatched variety of music and music makers. YPC now tours throughout the United States and internationally, presents concerts to focus the attention of today's composers on the important instrument that is a child's voice, and engages in partnerships with dance companies, performing ensembles, radio stations, jazz artists, and leading American music publishers. YPC is the first children's choir in this country to be an official radio choir, heard regularly in New York City, and has commissioned more than fifty pieces of music from today's most respected contemporary composers through its Transient Glory series of concerts, CDs, and publications. Núñez has signaled broadly not only that youth choirs have the capacity to transform lives but that they can also expand artistic boundaries and hold a special place in musical achievement.
Francisco Núñez received a B.S. (1988) from New York University. He has served as founder and artistic director of the Young People's Chorus of New York City since its inception in 1988 as part of the Children's Aid Society of New York, where he held the position of director of music for nine years. YPC is currently the resident chorus at Lincoln Center's Frederick P. Rose Hall and at WNYC, New York Public Radio. Núñez also leads the University Glee Club of New York City and is active as a composer and as a guest conductor of orchestras, children's choirs, and festivals worldwide.
High-resolution photos for download. Photos are owned by the MacArthur Foundation and licensed under a Creative Commons license: CC-BY. Credit: John D. & Catherine T. MacArthur Foundation. Right-click on a link below to save the file to your computer.
Francisco Núñez In the Media
"Hispanic Heritage Month: Francisco Nuñez, Inspiring Children from All Walks of Life"
Francisco Núñez, 2011 MacArthur Fellow
Read More
About the Fellows Program
The MacArthur Fellows Program awards unrestricted fellowships to talented individuals who have shown extraordinary originality and dedication in their creative pursuits and a marked capacity for self-direction. Learn More
Jennifer L. Eberhardt, Social Psychologist
Class of 2014


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|calendar>>February 18. 2011 Juch 100
Mauritanian President on Boosting Cooperation with DPRK
| Pyongyang, February 18 (KCNA) -- Mauritanian President Mohamed Ould Abdel Aziz noted that Mauritania and the DPRK have the long-standing friendly relations, hoping that cooperation between the two countries would grow strong in many fields in the future.
He said this when receiving Kim Tong Je, DPRK ambassador to Mauritania, who paid a farewell call on him on Feb. 9.
Copyright (C) KOREA NEWS SERVICE(KNS) All Rights Reserved.


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Namibia Breweries Limited has announced the three sport category nomination finalists for the Windhoek Lager Ambassador initiative. Jacquiline Pack, Senior Brand Manager for the Windhoek Trade Mark advised: "We were not surprised to find that the public had waited for this category and consequently received many entries under sport. The judges had a hard time choosing the top three who will now go through to the finals in May 2013 when the public will be requested to choose one winner in each category as the ultimate ambassador."
The top three candidates in the sport category are Ingo Waldschmidt, Johanna Benson and Paulus "The Hitman" Moses who are all well-known and respected Namibian sport personalities.
Waldschmidt, who has been racing Motocross since the tender age of 11, is the only Namibian thus far to have participated in the Dakar Rally. He has also represented Namibia in Gymnastics and board diving pre-independence. Waldschmidt has been racing motorbikes for close to 32 years and has won 14 Namibian Motocross Championships as well as one Western Province Motocross Championship, 9 Namibian Enduro Championships and 2 Southern African Enduro Championships Waldschmidt expressed his joy at receiving the nomination, "The Windhoek Lager Ambassador initiative is an honour to be part of. I am a very proud Namibian, and representing Namibia at the highest level of Off Road Racing has been such an honour. The Dakar Rally is the most gruelling event in the Motor Sport World, and putting Namibia on the 'Dakar Rally Map' was an amazing feeling."
Paulus Moses, an Inspector in the Namibian Police (Ministry of Safety and Security), developed an interest in the sport when he heard the promoter Nestor Sunshine Tobias talking on radio about boxing. He adds: "I decided to enroll just for fitness without knowing that one day I would achieve a lot in the sport. Apart from being the former WBA world champion, I am currently a WBO international title holder, a former Pan African champion and former WBA international champion, the titles I defended successfully to date." About the Windhoek Lager Ambassador initiative he says, "It's really a good initiative as it motivates citizens to work hard in their respective interests so as to be part of this initiative in future. I am praising the Windhoek Lager for this innovative idea."
Johanna Benson needs no introduction as she was the first Namibian to ever win a gold medal at the London Paralympics games in 2012. Johanna not only won gold, but a silver medal as well within the space of a few days thereby topping her previous performance of bronze at the Beijing Paralympics in 2008. Johanna became an overnight sensation in Namibia as she received her gold medal. After her win she met with President Hifikepunye Pohamba and he said: "I would like to personally thank Johanna's mother for bringing up her daughter with so much dignity and courage." President Pohamba urged young Namibians to follow Johanna's example.


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Just finished my First build for 2013, A Hudson Hornet! Moebius Models' kit is really excellent quality, and I enjoyed building this one a lot. It's built Factory stock, painted and clearcoated with Spray cans and then I polished the paint job to make it shine. Well, overall it turned out Okay, could be better, but this is the best I could do. Tell me what you think and give all kinds of feedback: Good or Bad.
WIP Pictures can be found from Community Builds Section from Hudson Hornet Build Madness Topic.
Edited by W-409, 08 December 2013 - 02:37 AM.


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press release
Liberia's Chief Justice, Johnnie N. Lewis on October 22, 2007 hinted that he would soon start jailing journalists who violate the provisions of the Liberia's constitution.
At a meeting with five privately-owned newspaper editors in his office, Justice Lewis said the journalists have been misspelling his name consistently and attaching his photographs to stories that have nothing to do with him.
The Media Foundation for West Africa (MFWA) correspondent quoted Justice Lewis angrily as saying: "this is the last warning; I am calling on you to desist (from the practice) or be charged with contempt, which is punishable by 30 days imprisonment".
Chief Justice further stated "may be after spending 30 days at South Bay, you would become responsible journalists". He then provided the journalists with plain sheets of paper and dictated to them how he should be referred to in their publications-"The Chief Justice of the Supreme Court of Liberia, His Honor Johnnie N. Lewis"
Also present at the meeting were four other judges of the Supreme Court of Liberia.


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Woodfuel East grants deadline
16:08 02 November 2012
Applications for a slice of £1.2m of funding to stimulate the wood supply chain in eastern England must be submitted by the end of next next month.
Woodland managers, landowners, operators of wood fuel enterprises and forestry contractors have until November 30 to claim funding under the
Rural Development Programme for England (RDPE).
Woodfuel East, the initiative responsible for awarding and administering the grants, is effectively closing the doors to inquiries from November 30.
Applications or detailed "concepts" outlining plans to improve woodland management or woodfuel supply must be submitted before the deadline.
Edwin van Ek, who manages the Woodfuel East project, said: "There is great potential in the eastern region for landowners and managers to diversify into economically-viable woodfuel production and bring more neglected woodlands back into active management.
"The current round of the RDPE is scheduled to close by the end of 2013. Once all the WFE grant schemes have closed, there is likely to be a gap until 2015 before any similar new funding might come online and there are no guarantees that there will be any funding for the woodfuel supply chain.
"It is very likely that future funding would be national, not specifically set aside for the forestry and woodfuel sectors and would come without the support that WFE is able to provide.
"We urge famers, landowners and forestry contractors to get in touch with us now so as not to miss out on money that could transform their business for the better," he added.
By the end of August, WFE had committed £1.2 million to the region's farmers, estate owners, forestry contractors and woodfuel businesses keen to improve manage of woodland or expand wood fuel business. The initiative, supported by the Forestry Commission, covers Norfolk, Suffolk and Cambridgeshire, Essex, Bedfordshire and Hertfordshire.
It has resulted in support for 69 projects, which has led to further investment of £1.9m in the woodfuel supply chain.
For new grant applicants, Woodfuel East's business advisers Phil Potter and Sid Cooper can guide applicants through the process.
Mr Cooper said: "I meet many farmers and woodland owners who realise there may be money to unlock in their woodland holding, but who don't know how to get started. If this is you, I can pay a visit to your premises, discuss your ideas and then advise on the options and funding which may be open to you; before guiding you through the application process if you wish to go ahead.
"Be warned though - to beat the deadline for this last round of funding, we need to hear from you before the middle of November, a phone call is all it takes to get things started," said Mr Cooper.
Grant support is available to help fund self supply to make use of the renewable heat incentive (RHI) or to supply round wood or woodfuel to others, including :
BLOB roads for the extraction of timber and thinnings from woodland;
BLOB hard standing for seasoning or curing timber;
BLOB construction of new, or the conversion of existing, buildings for storage of woodfuel;
BLOB purchase of equipment for the extraction or processing of wood for fuel
BLOB purchase of equipment for the delivery of woodfuel
The maximum grant rate offered will be 40pc of eligible project costs; except for infrastructure grants which can pay up to 60pc.
The latest round of funding for WFE grants closes on January 31 but outline applications must be submitted by November 30.
For details – Contact Woodfuel East on 01223 773072 or email: email@example.com or visit www.woodfueleast.org.uk


text: Ballistic Publishing - Call for Entries Ms RodavlasA concept of Salvador Dali as a girl. A concept that symbolizes a reverse in gender, in turn her name is Salvador spelt backwards. Copyright (C) Paul Garcia Jr 2007 All Rights Reserved No unauthorised duplication or distribution without explicit permission from the copyright holder. Artist Name: Paul Garcia Jr Artist Country: AU Entered for: Software used: Adobe - Photoshop About us | Contact us | Privacy Policy Copyright © 2003 Ballistic Media Pty. Ltd.


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1. Mathis Bolly
It's not a typo - the fastest player on FIFA 14 is Mathis Bolly. No, we hadn't heard of him either.
However, the Ivorian international clearly has pace to burn, with an incredible '97' speed rating on the game.
Bolly plays for Fortuna Dusseldorf in the second tier of German football, cutting in from the left flank to either shoot (badly, if FIFA stats are to be believed) or pass to a teammate.
Despite an overall rating of just 66, this is a player you really might want to get in your team - if anything to come off the bench late and leave opponents breathless at the raw speed he has at his disposal.


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Home > Academics > Colleges > Education and Educational Technology > Counseling > News
Department of Counseling
At the 2009 conference of the Canadian Counseling Association, Dr. John McCarthy of the Department of Counseling presented "Teen Depression and Suicide: Current Issues and Future Directions."
The conference was in Saskatoon, Saskatchewan.
Posted on 6/9/2009 10:02:16 AM
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Only hotels in Hurstville are listed below. Find discounted hotel accommodations in or close to Hurstville, Australia for your personal leisure or group travel. We list the best Hurstville motel and hotel rooms. Browse the Hurstville area hotels to find the perfect lodging! Please use the provided map of the Hurstville hotels. Group booking? Search Hurstville Group Hotel DealsThe Hurstville center is around 4 miles from Kingsford Smith Airport and 7 miles from Chinatown.
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Your Healthiest Year Ever!
By: Laura Roberson
- Overview
- Protect Against Heart Disease
- Improve Your Sexual Health
- Achieve Optimum Fitness
- Stave Off Prostate Cancer
- Tame Your Blood Pressure
- Prevent Skin Cancer
- Watch Your Body Weight
- Fight Diabetes
- Lower Your Cholesterol
- Beat Depression
More Health Lists
Fight Diabetes
Go a Little Nuts
Eating almonds can help ward off insulin resistance (a red flag for diabetes), according to a 2010 study in the Journal of American College of Nutrition. When people with prediabetes ate 2 ounces of almonds (about two handfuls) each day for 16 weeks, they experienced a 23 percent drop in fasting insulin levels, while those who said no to nuts saw a 19 percent increase. The credit goes to oleic acid, a fat that triggers the release of GLP-1, a peptide that can improve insulin sensitivity.
Look Forward to Commercials
Some health threats can be beaten using brute strength: A recent UCLA study found that lean people with low muscle mass are 67 percent more likely to be insulin resistant than their more buff counterparts. Having a sculpted physique may help your body use insulin to regulate blood sugar, the researchers say. Our advice: Cut your TV time to an hour a day, and during commercials, crank out a few sets of body-weight squats, lunges, or pushups.
Sign up for our FREE Daily Dose newsletter for the best fitness, health, sex, and nutrition tips delivered to your inbox daily.


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This popular oceanfront desTANation boasts more than 60 miles of beaches and attractions, known as the Grand Strand, all waiting just outside your door at the Beach Club at Montego. It's just within a short distance to tennis courts, shops and restaurants. And, it's ideally located just minutes from the activities and attractions of downtown Myrtle Beach.
This TAN home property is a cozy spot in the center of the Grand Strand, and is situated on the beach. Beach Club at Montego Inn is converted beach-town motel. It has renovated units, all of which include air conditioning, full kitchens, and access to charcoal grills, a community room and a small outdoor swimming pool. Some units even have ocean views!
Myrtle Beach is renowned for its family activities, including nearby Family Kingdom Amusement Park and Murrell's Inlet for sport fishing and boat rentals. Golfers will find more than 100 quality courses in the area. Don't forget to call ahead to Carolina Golf and get your Travel Advantage Network discount!
Whether it is family fun or quiet days on the beach that you seek, Beach Club at Montego will suit all your vacation needs.
For more information, visit: www.myrtlebeach-living.com.
*There is a $100.00 Security Deposit, payable by cash or credit card, which is required upon check-in by the resort.
**One parking pass provided.
***This property does not guarantee non-smoking rooms.
Resort Amenities
- Beach Onsite
- Internet
- Laundry Onsite
- Outdoor Pool Onsite
Unit Amenities
* Not all rooms have all amenities
- 1st Floor may have 12 steps
- 2nd Floor
- 3rd Floor
- 4th Floor
- 5th Floor
- Air Conditioning
- Balcony
- Cable or Satellite
- DVD Player
- Elevator Onsite
- Kitchenette
- Phone


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Heavy appetizers?
I'm part of a rotating "heavy appetizer/cocktails" party in my building. Can someone explain what a heavy appetizer is as opposed to a regular appetizer? Any suggestions for good ones?
Talk is closed, but that doesn't mean the conversations have to stop!
Check out this post for a more thorough explanation, and jump onto our Facebook page or our Twitter feed to keep the conversations going!