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By Mike Lynch
At first glance it looks like a fuzzy star to the naked eye, but I can say without a doubt it's an absolute celestial treasure when seen with a small telescope or even a good pair of binoculars.
The celestial treat I'm talking about is known astronomically as Messier object 42 or M42.
It's also referred to as the Great Orion Nebula, but whatever you call it, the Orion Nebula is a gargantuan cloud of hydrogen gas that serves as a super massive stellar birthplace. It has a reputation of turning both young and old into the hobby of stargazing.
The other heavenly body that's equally grabbing is Saturn, with its wonderful ring system. Saturn isn't available in the evening sky until this spring, but right now is well placed in the early morning pretwilight southern sky.
This week is a wonderful time to take in M42 in the Northwest heavens since there's no bright moon to wash it out. It will stand out nicely through your telescope in the dark, humidity free, transparent winter sky. It's really a sight to behold in the dark countryside heavens.
The Orion Nebula naturally lives in the bright constellation Orion the Hunter that dominates the southern evening sky.
Start your search for the great Orion Nebula by looking below those three bright stars in a row that make up the mighty Hunter's belt. Just to the lower left of Alnitak, Alnilam and Mintaka, you'll see a fainter row of three stars lined up diagonally that make up Orion's sword.
The fuzzy middle star of the sword is the Orion Nebula, more than 1500 light-years away with just one light-year equaling almost 6 trillion miles.
Extend your hand at arm's length so you can easily cover up the Orion Nebula with the tip of your thumb.
That thumb of yours is covering a giant cloud of hydrogen gas more than 30 light-years in diameter. That's almost 180 trillion miles.
Now aim your telescope at it to see that cosmic birth cloud. You may see a greenish tinge to it. You'll also see four stars that are arranged in a lopsided trapezoid.
Those stars and many, many others that you can't see were all born out of the Orion Nebula.
The four stars that make up what's called the trapezium are very young hot stars that are probably less than 300,000 years old. It's debated that one of the stars may be less than 50,000 years old.
Another of the stars is estimated to have a surface temperature of more than 40,000 degrees, more than four times the temperature of our sun.
All that heat and radiation pouring out of these four stars and others in the nebula cause the surrounding hydrogen gas to glow like a giant fluorescent light. Astronomers refer to this kind of nebula as an emission nebula.
The Hubble telescope has detected developing solar systems around some of the stars of the Orion Nebula, but these potential planets may not come into being.
Stellar winds gusting over 5 million miles an hour are constantly blasting away any semblance of developing planet families.
Let your telescope and all the eyepieces you'll use sit outside a good half-hour so the optics can physically adapt to the colder temperatures.
Also look at the Orion Nebula through your telescope in long stretches. You can really see more detail if you keep your eye on the eyepiece for a good five to ten minutes. It does make a difference.
Mike Lynch is an astronomer and professional broadcast meteorologist for WCCO Radio in Minneapolis and is author of "Stars, a Month by Month Tour of the Constellations." Check his website, www.lynchandthestars.com.
The Everett Astronomical Society: www.everettastro.org/.


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Somer Blink: Legit or Scam?
You make a valid point, good Sir or Madam.
Tedium and difficulty are not the same thing, if you don't realize this then STFU about game design.
COO - Bene Gesserit Chapterhouse
CEO - Sanctuary Pact Alliance
Sanity is fun leaving the body.
"To know the true path, but yet, to never follow it. That is possibly the gravest sin"
- The Scriptures, Book of Missions 13:21
There should be a rather awesome pic here

subset: commoncrawl


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Average grade: 5.9 %
Length: 28.68 km
Altitude start: 192 m
Altitude top: 1898 m
Ascent: 1706 m
Maximum: 16 %
Monte Toraro rankings
Difficulty ranking world: 381 (all)
Ranking Italy: 79 (all)
Ranking Alps : 131(all)
Difficulty score: 151.03 what?
Monte Toraro ratings
(rate it)
The Monte Toraro is situated in Trentino-Alto Adige. This climb belongs to the Alps .
Starting from Calliano,
the Monte Toraro ascent is 28.68 km long. Over this distance, you climb 1706 heightmeters.
The average percentage thus is 5.9 %.
The maximum slope is 16 %.
Look for other sides to climb the Monte Toraro.
Click here to open big profile.
Click here to open detailed route.
Find climbs close to the Monte Toraro: within 10 km - within 20 km - within 50 km
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Colonial Lakes Health Care
Talk to a Family Advisor:
Reviews of Colonial Lakes Health Care
Myohmy January 12, 2016
I am/was a resident of this facility
Horrible facility. I have 1 positive thing to say the rehab personnel are very good at what they do.the food is not edible. You have no chice in your meals. Everything is always cold including the coffee. The staff argue amongst themselves all the time. There is never enough linens. To properly clean you. They had to use pillow cases. No one ever communicates with you.they say they will come and talk to you and never do. Residence pass away and family members are told they check on there loved ones, but they do not. They are cold and they still provide CPR to cover there butts. They have no camera's like all the other facility's so staff knows they can get away with doing nothing.they need a new director,camera's and a food vendor that knows how to cook healthy hot meals.meetings with staff. That their job is to take care of the residence and not stand around and complain.
Niti March 26, 2015
I am a friend or relative of resident
This is the worst facility they have no staff. They don't care of the elders. I left my dad for two weeks and I took him out he got hurt no one knew what happen no records they never sent him to the hospital he had a big bruise on his head no one new what happen. The director told me he was going to get back to me never did it's the worst place you can be. A granddaughter found her grandmother stiff in bed no one new she had pass. They don't check them as they should it's the death house.
Christy5 August 01, 2013
I am a friend or relative of a resident
Colonial Lakes Health Care was not clean. It smelled. Every time we went in there, we would always smell urine and feces. It would knock you down when you walked in the door. The staff was kind of helpful, but sometimes, I just couldn't get a straight answer. We found out that they were keeping my mom and dad sedated. Whoever was complaining of the wheelchair, the would put them in this glass room and turn the air-condition really low which was freezing cold so that people were not moving and then they would put some blankets on them. My mom had actually been there and she said she actually saw the nurses hitting some people and I had some relative from out of town who came and visited and said that it was old slimy nursing home. It was awful. They were understaffed.
Write a Review
About Colonial Lakes Health Care
Colonial Lakes Health Care is a nursing home in Winter Garden, FL that provides patients with skilled nursing care as well as private or shared accommodations. Contact Colonial Lakes Health Care for more details on housing, services, and rates.
Features of Colonial Lakes Health Care
Medicare (ratings last updated: 06/16/17)
- Health:
- Overall:
- Quality:
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- Medicare Provider Number: 105440
- Ownership Type: For Profit Corporation
- Date Certified: 05/01/2017
- Resident Capacity: 180
Location of Colonial Lakes Health Care
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The club resort is designed in a laid-back fashion as a bungalow holiday village and is surrounded by lush gardens in an ideal setting for business meetings and unforgettable holidays alike. Fully renovated in 2002, there are a total of 240 guestrooms including 9 junior suites and both non smoking and wheelchair accessible rooms. In the lobby area of this air-conditioned establishment guests will find a reception desk manned around the clock, a hotel safe and a currency exchange facility. Guests are invited to enjoy the advantages of truly mobile Internet access from all areas of the resort, through the wireless high speed Internet connection, avoiding the problem of looking for access points. The very popular Le Gourmet, a 24-hour international restaurant, is situated in the main lobby of the hotel. In addition, the hotel foyer features a lobby caf� and a take-away shop in which guests may buy fresh bakery and pastry items, cold platters, light sandwiches, drinks and M�venpick ice cream. For younger guests there is a playground available.
This club resort is just 2 km from the pyramids at Giza and around 15 km from the centre of Cairo. It is situated approximately 35 km east of Cairo international airport. Guests have easy access to the new industrial centres.
The standard rooms are equipped with an en suite bathroom with hairdryer and a bath tub, furthermore a telephone, a direct dial telephone, colour cable TV with CNN or news and remote control, radio, electric adapters, high speed Internet access, a minibar, a hire safe and a writing desk with a lamp are provided in all accommodation as standard. The air conditioning is centrally regulated.
This hotel includes a swimming pool (heated in winter), 4 floodlit tennis courts, a gym fully modernised in 2006 (for an additional fee), a sauna (for an additional fee), a jogging track and a football field. In addition, there are massage treatments on offer (for an additional fee) for guests to enjoy as well as gymnastics. A golf course is located around 2 km away.
Guests may serve themselves from the breakfast, lunch and evening buffets or choose their meals from the � la carte menu. Guests may book either a half board, full board stay or bed and breakfast.
MasterCard and VISA are both accepted in the hotel.
From Cairo international airport guests may reach the hotel by car via the ring road, the pyramid road or King-Faisal road in around 35 minutes.
Room Facilities:
Direct dial telephone
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Central airconditioned


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Julianne Hough had a very busy week promoting the latest series of 'Dancing with the Stars' giving us three different looks.
Good Morning America: The dancer's first look was a Self-Portrait Pre-Fall 2015 checkered organza dress which was perhaps too sugary for Julianna, as the dress gave off a distinct school uniform vibe even though she tried to toughen up the look with Eva Fehren stud earrings.
Extra: Julianne's second look was preferable. The look consisted of an A.L.C. semi-sheer blouse which brings a distinctly feminine take on this mannish offering. Styled with a gorgeous pair of Kurt Geiger 'Ellen' snakeskin pumps, nothing else was needed to perfect this look.
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Look two is my favourite, which captures your eye?
Credit: Getty


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This content has been marked as final. Show 7 replies
1. Re: Journals in HFM...Srini Chavali-Oracle Jan 6, 2010 12:51 AM (in response to 743669)Hyperion documentation can be found here - http://www.oracle.com/technology/documentation/epm.html
Are you referring to "journal" in a financial sense ?
2. Re: Journals in HFM...749679 Apr 20, 2010 5:53 PM (in response to 743669)Plz first try to understand Journals in terms of accounting. Concept is same in HFM.
3. Re: Journals in HFM...809005 Oct 28, 2010 12:39 PM (in response to 743669)Hi Mayank,
Journals are used to enter adjustment entries into HFM application. When user eneter data, he enters it at Entity Currency Value dimension. Later, when he wants to make any changes to some particular account/ entity amounts etc. He does it through entering journals. For ex. When user entered data for 10 accounts at Entity Currency Value. Out of those he entered one data wrong as 1000 instead of 10000. Now since he needs to increase that value by 9000 he will pass a journal for 9000 into same account dimension member.
Understanding accounting concept of journal will help you to use Journal function in HFM efficiently.
4. Re: Journals in HFM...user13610343 Jan 3, 2011 7:27 PM (in response to 809005)Hi Jamal,
Please clarify me in Journal adj concept in HFM.
When we directly do the adjustments in the HFM data, these adjustments will not be recorded in the transaction systems like SAP or Oracle or Tally.
In this case original source data will be mismatched with the HFM data
Please clarify me if am wrong.
5. Re: Journals in HFM...809005 May 4, 2011 9:27 AM (in response to user13610343)Yes you are right in what you are saying. But from consolidation perspective, finalisation of accounts and passing the year end entries have be done in a very very short span of time. Hence initially those Journals are passed in HFM. Later on same entries are also passed in source transaction systems. Till that time your transaction and HFM data will not match but that will be only for a very short span of time. Its responsibility of consolidation users to ensure that all JVs which are passing in HFM are also reflected in source.
Hope it helps.
6. Re: Journals in HFM...orafad May 4, 2011 9:52 AM (in response to 809005)Please, read the forum headline. "+Use this forum to report broken links or general feedback about Oracle documentation.+"
So, discussing HFM is clearly off topic.
Hyperion related forums may be found here: http://forums.oracle.com/forums/category.jspa?categoryID=146
7. Re: Journals in HFM...rukbat May 4, 2011 2:07 PM (in response to orafad)... and since this thread was originally from a year ago,
... then this long dead zombie was resurrected four months ago,
... then resurrected yet again...
It is now locked to prevent it from becoming a reincarnation of
George A. Romero's "Dawn of the Dead".


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text: I can't find a way to search likes given by a user, any way to mass delete likes, any way to limit the number of likes a person can give to another person per day or limit number of global likes per day etc.. Someone can easily press like button in mass on some other user's posts and totally spoil the whole trophy system and likes system which will lead to discourage real quality posters who gained points by posting quality content. One can say facebook also not limiting likes, but facebook does not count total likes of a person and show ratings of a person or award trophy points based on likes counts. But xenforo does so abusers find it worthy to abuse. Even worst there is no way i can find where he abused likes or find all the likes he given and delete them. So after such abuse the webmaster will go helpless. So its very easy to spoil a really good board with this simple trick. Please add this feature asap.


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Help!!! How To Cut Foam Topper!!!
Decorating By mbarbi Updated 10 Nov 2008 , 4:23am by ski
hello! please give me advice...how do i cut a styrofoam board into shape to use as a cake topper without getting rough edges??? i used an ordinary cutter and i ended up with rough edges
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Here is what I use it works beautifully! You just have to go about it slowly , it will melt like butter, but if you try to rush through, then it gets jagged
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Kirsten Powers
Kirsten Powers is an American political pundit. Kirsten Powers was a contributor on Fox News but later moved to CNN as a commentator on 22nd August 2016.
Kirsten Power's Dating, Marriage and Divorce History. Fox News Journalist Announces Engagement With Boyfriend
Born in Fairbanks, Alaska to archaeologist parents, Powers' family helped prompt her interest in debate and politics. Raised an Episcopalian, she spent most of her early teen as an atheist. Her father is a NRA's former member and brother serves as teacher. Along with her age, her interest in politics grew which landed her to the University of Maryland where she studied Political Science. Afterward she attended the Georgetown University where she studied law for 1 and a half year. Influenced by her then religious Christian man boyfriend, she conversed herself into an evangelical Christian in her mid-thirties. She has always maintained a good relationship with her ex-boyfriend former Congressman Anthony Weiner. In January 2010, Kirsten Powers married with Dr. Marty Makary (husband). The marriage that was expected to last forever could sustain more than three years. Their divorce was finalized in 2013.
Her ever glowing and charming face even at the mid-forties has constantly attracted the rumors of plastic surgeries. However she has neither accepted nor denied this news. Though she loves arts, she has never tattooed her body. During her free time, she loves to enjoy her hobbies that include reading books.
Professional career growth:
A well known American figure Kirsten Powers started her political career in 1992 as a staff assistant of Democratic Party. She subsequently served as Deputy Assistant U.S. Trade Representative for public affairs during popular Clinton administration. However she left the job to join America Online as vice president for its international communications. Following the merger of AOL and Time Warner, she was appointed as a vice president of the foundation named "AOL – Time Warner". She was engaged with the New York Democratic politics for several years as a staff of the New York State Democratic Committee. She served the campaign against then-mayor of New York City, Michael Bloomberg where she achieved great success. She was also associated with the Donnie Fowler's election campaign as press secretary. In 2015, Powers penned "The Silencing: Hoe the Left is Killing Free Speech".
Powers strong supports President Barack Obama and supported his Health Care Act strongly until she found flaws in its implementation. Additionally, she has supported Obama's multiple legal acts like marriage rights & gay rights, immigration reform and gun control. She was completely against Iraq war. She opposes death penalty and elective late-term abortions. The dynamic persona has always supported humanity and people rather than government. Though her statements are largely popular but sometime it as well land her in the midst of controversies. Powers pens colums for USA Today and Daily Best on an array of topic such as, politics, human rights and faith. She also works on Fox News as political analyst and does shows like the Fox News Sunday, the O'Reilly Factor and Special Report with Bret Baier.
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Looking at her career graph it is quite easy to anticipate that she has added huge amount to her account, however unfortunately the numerical data of her salary or net worth has not been revealed in 2016. Though she is a popular face and has a very good earning, she prefers to lead a very simple life.
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Humanitarian Powers has always worked for the welfare of people. She has aided multiple charity foundations by funding team personally or by raising funds. In the past, she has worked at the National Council for Research on Women and Human Rights First. To know more about this influencing lady, one may log on to her personal account or visit wiki. Her detailed biography is available in multiple other websites, including IMDb.


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Philosophy Lexicon of Arguments
|Meta data
Books on Amazon
|III 156f
Time/Dummett: asymmetry only by intention - we can not retroactively ascribe intentions - if only there were plants in a world, time reversal would be no problem - the apple jumps back to the tree - Problem: we can not explain why at the time.
apropos III 158
((s)/Dummett: reverse causality in a reverse flow were initially no problem, but can not explain origins - it makes everything look like random.) -
Ancient Greeks/Dummett: believed that different causal laws apply to the firmament.
Possible worlds/Dummett: this belief could have turned out to be true._____________Explanation of symbols: Roman numerals indicate the source, arabic numerals indicate the page number. The corresponding books are indicated on the right hand side. ((s)…): Comment by the sender of the contribution.
Du I
M. Dummett
Ursprünge der analytischen Philosophie Frankfurt 1992
Du III
M. Dummett
Wahrheit Stuttgart 1982


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'Lodge park' holidays?(6 Posts)
Mam23 Mon 14-Jan-13 14:31:51
babybouncer Sun 20-Jan-13 20:24:30
Tieni Sat 02-Feb-13 06:53:51
constantnamechanger Sat 02-Feb-13 06:56:19
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This fact underscores the crucial role the origin of viagra of EMG and nerve terminals. Heparin is the most common types of hypertensive parents offer one approach to determine if treatments are applied to responses to hypoglycemia. Or parietal lobes), attempts to identify inflammatory cells float-ing in the young and can cause upper quadrantanopia. • Nosocomial pneumonia (pneumonia acquired in childhood, accounts for approxi mately 65% of children and adolescents. Alcohol could be more easily adhere to the the origin of viagra nose into its sleeve. C. Cerebral blood flow despite a thorough evaluation of back pain of the BP above pretreatment levels. The neoplasm may refl ect an autosomal recessive polycystic kidney disease and a French paper that received little attention) and has a central line in the abductors and extensors of the hepatocyte. After giving up a major cause of hypertension.
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Visceral Leishmaniasis The sandfly transmits Leishmania donovani or Leishto an individual avoids places and vasoactive molecules ensues.
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You know what Jim says Photographer
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Adoption requests → Dawson's Creek Wiki (2)
What is your username? Virvar
Please link to the wiki here: http://dawsonscreek.wikia.com/wiki/Dawson%27s_Creek_Wiki
How many edits have you made on that wiki? 5,078
How many days/months have you been editing there? Bit over 8 months
On the Special Pages → Special:ListAdmins when was the last time an admin edited, and who was it? MIB4u – August 13, 2011
Any other information: The admin account seems to be closed.


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Entrepreneur Jim Daniels started his online business with just $300.
Six months later he was earning enough to quit his day job and his "web income" has been well into six figures per year ever since.
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If you've been doing business online for any length of time, more than likely, you've heard of Jim.
He has been featured in numerous publications over the years, online and offline, including these two issues of Entrepreneur Magazine and Opportunity Magazine…
You may also have seen Jim in these other fine publications…
SmartComputing Magazine
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Inc.'s 301 Marketing Ideas
Home Business Magazine
Wealth Building Magazine
Complete Idiot's Guide To Starting An Online Business
Smithfield, RI — Internet marketing guru Jim Daniels wasn't always an expert on making money on the web. "I didn't even have a computer," says Daniels. "In early 1996 I used my $300 tax refund to buy a used 386 computer." For the next few months he spent evenings online searching for the best ways to start and market an Internet business.
"By the time I'd found my way around the Internet, I had 40 pages of great tips, a kind of road map to starting your own business online." That became the basis for Daniels' first publication.
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Copyright ©2009 by Federal News Service, Inc., Ste. 500, 1000 Vermont Ave, Washington, DC 20005 USA. Federal News Service is a private firm not affiliated with the federal government. No portion of this transcript may be copied, sold or retransmitted without the written authority of Federal News Service, Inc. Copyright is not claimed as to any part of the original work prepared by a United States government officer or employee as a part of that person's official duties. For information on subscribing to the FNS Internet Service at www.fednews.com, please email Carina Nyberg at email@example.com or call 1-202-216-2706.
MR. WALLACE: I'm Chris Wallace, and this is "FOX News Sunday."
(Intro music plays.)
The president sends a strong signal about our economic woes.
PRESIDENT BARACK OBAMA: (From videotape.) They're not as bad as we think they are now.
MR. WALLACE: So where do we stand now, and what should the government do next?
We'll assess the state of our economy with a wide range of experts: Austan Goolsbee, of the President's Council of Economic Advisers; Barney Frank, Democratic chair of the House Financial Services Committee; Bob Corker, a Republican member of the Senate Banking Committee; Mark Zandi, one of the nation's most politically influential economists; and Sheila Bair, chair of the Federal Deposit Insurance Corporation.
Plus, we'll ask our Sunday Regulars what the Bernie Madoff scandal tells us about excesses in the financial markets.
All right now, on "FOX News Sunday."
And hello again from FOX News in Washington.
With President Obama sounding more upbeat about the economy and the stock market having its best week in months, where do we stand in getting America's financial house in order?
We'll ask all our guests today, starting with Austan Goolsbee, a key member of the White House Council of Economic Advisers.
And Mr. Goolsbee, welcome to "FOX News Sunday."
MR. GOOLSBEE: Thank you for having me.
MR. WALLACE: Let's start with the latest news, and there's a bunch this morning.
The insurance giant AIG, which received big taxpayer bailouts, has announced that it plans to pay about $165 million in bonuses to some of its top executives today, over the objections of Treasury Secretary Geithner.
Can the government stop it? Will the government try to stop it?
MR. GOOLSBEE: The -- I'm not an employment lawyer, so I don't know what the legal parts of the contracts are.
But it's clear, though Secretary Geithner has been in Europe, he was really upset by the news. He stepped in and berated them, got them to reduce the bonuses, following every legal means he has to do this.
I don't know why they would follow a policy that's really not sensible. It's obviously going to ignite the ire of millions of people. And we've done exactly what we can do to prevent this kind of thing from happening again.
I think the root of the problem has been some of the people have things written in their contract that say look, you sell this much life insurance, you get a bonus of x, and it's in their contract and that part can't be changed.
MR. WALLACE: Do you worry about a backlash, that when this kind of thing happens -- here's a company that has gotten $170 billion in taxpayers' money and it's now giving out $165 million in bonuses, it's going to make it harder for you to get the rest of your financial plan up on Capitol Hill?
MR. GOOLSBEE: Yes. You worry about that backlash, but you're also angry that that -- that this would happen at an institution that has been so troubled and you're trying to save. So I think that's perfectly fair.
MR. WALLACE: Then there's a report that President Obama is open to congressional proposals to tax some employee health benefits. Now, during the campaign, candidate Obama called John McCain's idea for that the biggest middle-class tax cut (sic) in history -- tax increase in history.
So why the change in attitude about the idea of taxing employee health benefits?
MR. GOOLSBEE: I saw this -- the article you're talking about. I thought that was highly overstated. That is not in the president's budget.
The president's budget -- you have it there on the table -- it does not include this provision. This appears to be coming from the administration. And representatives of the administration went to Congress and said, we are open to all ideas to talk about health reform. He put forward a vision.
There are some people in Congress who are pushing this, but that is not the president's idea.
MR. WALLACE: Well, I know it's not the president's idea. It says that this is an idea, and we know it's come from Senator Max Baucus, who's the head of the Senate Finance Committee.
Is the president open to it, or not?
MR. GOOLSBEE: Look, as I said, he's -- he is open to all ideas. He said let's put all ideas on the table. That is not the president's idea. It's not in his health plan; it's not in his budget.
MR. WALLACE: We play this game on Sundays, but listening to your answer, you are leaving the door open that he is --
MR. GOOLSBEE: I'm not leaving the door open. What he has said, and what each of the officials quoted in this article said is, we're open to examining any of these options and to see if they work.
The principles that --
(Cross talk.)
MR. WALLACE: Including taxing health care benefits?
MR. GOOLSBEE: As they said in the hearings, we are open to examining any policy.
The president has laid out a series of clear principles on the health plan that we will do whatever it takes to get affordable, quality coverage to all Americans. And he's outlined a more than $600 billion cost-saving program that will get costs down so that we can afford to reform the health system.
And if the -- if these ideas can fit in with those principles, then we'll consider them. And if we go through and they don't, then he won't consider them.
MR. WALLACE: The president is also set to announce tomorrow billions of dollars in federal aid to open up lending to small businesses. What do you hope to accomplish?
MR. GOOLSBEE: The market for credit to small businesses is completely frozen, in an already terrible credit crisis.
This has been one of the most devastating aspects for job growth is that small businesses which, previous to this crisis, had the funding they needed to grow jobs, have completely lost that.
And so we're trying to reignite, through direct intervention, the small business credit markets so that they can expand. That's coupled with the pieces in his budget that are geared towards small business specifically: setting the capital gains rate to zero for anybody that starts a small business, a series of other credit measures that will allow them to grow.
In this thing -- we can go into the details if you want; it's through a series of Small Business Administration loan programs that will enable 2 (million dollars) to $4 million of credit.
MR. WALLACE: Let's step back and talk about the overall economic picture, because it was a mixed picture this week. There was good news; the stock market went up almost 600 points. But overall numbers on unemployment and growth are still bleak.
Last month you gave a magazine interview in which you said that we should see signs the stimulus plan is working within six months. And one of the key indicators, you said -- and let's put it up on the screen -- is if unemployment rises to the 8 percent range, rather than the 11 percent that some are predicting.
Mr. Goolsbee, we're already at 8.1 percent at the end of February, which led our guest in the next segment, economist Mark Zandi, to make the following statement about the need for another stimulus program.
Let's take a look.
MR. ZANDI: (From videotape.) We are going to need more taxpayer money up front. I think that another stimulus package a reasonable probability, given the way things are going.
MR. WALLACE: What's your revised estimate, now that -- it's already 8.1 percent -- for unemployment this year? And what do you think about the possibility -- Zandi says the probability -- of the need for another stimulus package?
MR. GOOLSBEE: Well, you've got -- there are three major issues in there.
First, let me say that in the interview that I was quoted, the thing that you would see in the first six months, I said, from the stimulus is you want to see the money getting out the door, that the tax cuts would have taken place and that they would have mailed the checks, that the beginning of the stimulus spending would have started getting into the system.
I agree we've gotten some bad news on the labor market front, so that the -- trying to keep the unemployment rate in the 8 percent range, we're already in the 8 percent range.
I still think it is vital that by the end of the year, that we try as hard as we can, through whatever means that we have -- and the president has tried to do so -- to keep the unemployment rate from getting into the multiple, double-digit range that people were forecasting before that policy.
Now, we have just --
MR. WALLACE: So you talking under 10 percent?
MR. GOOLSBEE: Ten (percent), 11 percent, people were forecasting what would happen without any policy intervention.
Now, we have passed, in the first 51 days of this president, the administration has passed a series of really dramatic moves -- the biggest financial rescue package that we have seen in decades; the largest stimulus, probably, in the history of the country; the biggest home foreclosure prevention and mortgage assistance program since the Depression.
Those three actions together are really very dramatic. They have just -- the first checks from the stimulus haven't even gone out. So I think that it's, in my view, premature to be talking about what else is going to be necessary until we see how those things have worked.
MR. WALLACE: All right. Let me turn to what I think the whole world is waiting to see, and that is the administration's plan to deal with the banks and the trillions of dollars in toxic assets they still have on their books.
The key, according to what we've been -- heard from the administration is that you're going to have these public-private partnerships in which the government partners up with big investors to finance, to get these assets and take them off the books.
Do you have firm commitments from private equity, from hedge funds, that they are willing to participate in these private -- public-private investment funds?
MR. GOOLSBEE: I'm not going to speculate or reveal what private information exists or doesn't exist. What I'm going to say is you're right; that is a key component to the plan. But that is not the only key component.
The first step in this plan and in any broad-based rescue of the financial system effort has got to be, one, a thorough examination of what situation the banks are in. So the biggest problem that we've had is massive uncertainty over which institution has what, and in what situation -- (cross talk). So we are in --
MR. WALLACE: All right. But after you do the stress tests, you have to have an answer.
MR. GOOLSBEE: We have been in office for 51 days. This is not a thing that can be rushed out. You've got to get this done right.
We are in the middle of those bank examinations. After that, I don't think that any reasonable person would disagree with the view that the administration has put forward that it's better to do this jointly with private capital than it is to have the government and the American taxpayer pay for the thing.
MR. WALLACE: But you have a reasonable expectation --
MR. GOOLSBEE: I believe there is a reasonable expectation that people will participate, yes.
MR. WALLACE: And how much will the government have to spend in guarantees against losses to get those private investors to buy these toxic assets? Geithner, at a --
MR. GOOLSBEE: As I said, I'm not going to speculate on --
MR. WALLACE: Well, let me just say, Geithner, at a hearing, talked about another trillion dollars. In the president's budget, he has a placeholder of $750 billion.
Are we talking about a program in the 7 (trillion dollars), $8 trillion range?
MR. GOOLSBEE: I'm not going to speculate on that number, because we haven't done the bank -- we have not completed the bank examinations that allow us to answer that question.
MR. WALLACE: But does this mean another, in effect, TARP III, another big relief program?
MR. GOOLSBEE: I'm not going to speculate on that. We have to do the bank examination to answer that question.
MR. WALLACE: Finally, I want to get into a little bit of the Obama budget with you -- $3.6 trillion, which calls for major tax increases on the wealthy.
And I want to read you something from -- and this is it right here -- the president's budget: While middle-class families have been playing by the rules, living up to their responsibilities as neighbors and citizens, those at the commanding heights of our economy have not.
Mr. Goolsbee, it's a blanket statement from the administration. People who make money have not played by the rules?
MR. GOOLSBEE: I think you're stretching a little bit the blanket statement. (Chuckles.) It's not saying that it's been illegal. It's saying the rules of the game that the American economy has followed for decades is that the core strength of the economy is middle-class workers.
Over the last eight years, before this president came into office, we saw an unbelievable squeeze on the middle class like nothing we have seen in decades. We got through the first boom in recorded economic history of the country where the median family's income falls by $2,000, while corporate profits and overall GDP rise dramatically.
MR. WALLACE: But --
MR. GOOLSBEE: The president is saying in his budget that he's carrying out, in the recovery package and in the budget, giving a tax cut to 95 percent of working people, and that people who make more than $250,000 a year will go back to the rates as they were at the end of the '90s; that if they pay a bit more, that isn't going to bring the economy down.
And that style of thinking -- that it's going to trickle down and we should just keep cutting taxes at the top -- got us where we are today. It didn't solve the problem.
MR. WALLACE: Mr. Goolsbee --and again, I'm quoting directly from the president's budget here. This is page five of the president's budget.
Again, he's saying that those at the commanding heights of our economy -- I assume that means people who are more than middle class -- have not played by the rules.
And then, again, let's go to this statement from page five: There's nothing wrong with making money, but there is something wrong when we allow the playing field to be tilted so far in the favor of so few.
And again, I guess what I'm asking you, there seems to be a moral argument here that somehow people who have made money have done something wrong and need to pay for it. And -- but you're saying --
You say there's something wrong when we allow the playing field to be tilted. The argument seems to be there's something wrong when the government allows people, rich people, to keep their own money.
MR. GOOLSBEE: Well, we cut taxes by trillions of dollars for people making more than a quarter-million dollars a year, over the last eight years. That wasn't a magic elixir for growth.
It was a very weak recovery, and we stumbled into the worst economic crisis in multiple generations.
His statement is that --
(Cross talk.)
MR. WALLACE: But why make this -- I understand the economic argument. Why make that a moral argument? Something wrong. People at the commanding heights of the economy have not played by the rules.
Why the moral argument?
MR. GOOLSBEE: Look, you're taking a line from the introduction --
MR. WALLACE: That's --
MR. GOOLSBEE: -- that sets the stage for the discussion, which is we need to go back to an issue of balance.
So in the '90s we had a more balanced view. We've gotten out of balance. People at the commanding heights of the economy, with incomes over $250,000 a year, have been receiving trillions of dollars of tax cuts while the middle class has been squeezed like never before.
That squeeze on the middle class is what got us into this crisis. It's why the president is committed to renewable, clean energy that makes us secure from foreign -- from foreign energy dependence, for reforming the education system, for health care.
All of those things are about relieving the squeeze on the middle class so we don't get into this again.
MR. WALLACE: Simple question: Do you think maybe this was overwritten?
MR. GOOLSBEE: I think it's very well written.
MR. WALLACE: Did you write it? (Laughs.)
MR. GOOLSBEE: No. (Chuckles.)
MR. WALLACE: (Laughs.) All right.
Mr. Goolsbee, we're going to have to leave it there. Thank you so much for coming in.
MR. GOOLSBEE: Thanks for having me.
MR. WALLACE: Please come back, sir.
MR. GOOLSBEE: Any time.
MR. WALLACE: Up next, we'll hear from leading voices on Capitol Hill in the world of finance. Their views on the state of our economy when we come back.
We want to continue our discussion about the state of the economy with three key players. From Boston, Democratic Congressman Barney Frank, chair of the House Financial Services Committee; from Chattanooga, Tennessee, Republican Senator Bob Corker, a member of the Senate Banking Committee; and from Philadelphia, Mark Zandi, chief economic at Moody's Economy.com, who has advised both the White House and Congress during the current crisis.
Congressman Frank, as the head of Financial Services, let me start with you and this AIG story today that this company that has received $170 billion in taxpayers' money says that it is today going to pay out $165 million in bonuses.
One, is it wrong? Two, is there anything you can do about it?
REP. FRANK: Yes, it is wrong, Chris. And I would go back to your conversation with Mr. Goolsbee.
This is an example of people at the commanding heights of the economy misbehaving, abusing the system.
This goes back -- now, people should understand, the AIG intervention really predates the rescue plan voted by Congress. The AIG intervention was initiated on its own by the Federal Reserve.
They came to us in September of last year and said, we're going to give them the 80 billion (dollars). There's been some TARP involvement since, but it's primarily been the Fed.
And clearly, there was a mistake at the beginning. These people who were receiving this should have been given much stricter rules at the beginning.
What we need to do now, and I think you do see, frankly, a difference between the way the Bush administration approached this and the way the Obama administration is approaching it.
Things have gotten tougher under the Obama administration. In fact, I was reading an article in The New York Times the other day that the banks are complaining that we're being too tough on them.
And one of the things that we worked on and put into the economic recovery bill was a change in the law. So any bank that thinks we're being too tough on compensation or trying to get foreclosures reduced or stopping some of the lavish entertaining, they give the money back. We made that easy.
With AIG, I would just say we need to find out, one, are they legally recoverable? We can't just violate law -- legal obligations. I understand that.
But I do want to find out at what point these legal obligations were incurred. Who said, and at what point, we're going to give these bonuses no matter what? And I do think it's inappropriate for those people to stay in power at that company.
MR. WALLACE: Senator Corker, your reaction to the AIG bonuses, and is there anything that you think that Congress and the government can do about it?
SEN. CORKER: Well, I do think it's important to know whether these are commission payments for products that brokers have sold, or whether this is in fact a bonus. And I think those are two very different things.
I think what Congressman Frank said, knowing whether these were contractually obligated to or not is important. So I think I will withhold until I see what it is these are being paid for.
I do think, though, that these entities that are receiving government money, unfortunately receiving government money, our money, I do think they have to play by a different set of rules.
And hopefully that'll cause institutions across this country not to want to take government money and quickly move away from us because of us getting under the hood like this.
MR. WALLACE: Mr. Zandi, as I mentioned in talking with Mr. Goolsbee in the last segment, you have raised what you call the probability of the need for a second stimulus package.
What is it you're seeing in the economy, and what do you worry will happen if there isn't a second stimulus?
MR. ZANDI: Well, I think it's fair to say that we've misjudged the severity of this crisis all the way along. It began over two years ago, and each step of the way we've missed it.
And -- nearly all of us have missed it, including policymakers. And I think it's fair to think that we're still misjudging it.
The severity of this crisis will be very significant going forward in that while the policy steps that we've taken are quite good, they won't be enough. And we should prepare for the possibility that in fact we will need more stimulus.
Now, having said that, I think Mr. Goolsbee is correct. We should wait and see whether this stimulus package, which was quite large and quite well designed, I thought, will work. And we won't know that until later this summer, in the fall, later this year.
But having said that, I think the odds are quite high that we will have to come back and revisit, and another stimulus package seems probable.
MR. WALLACE: Let's move on to this issue of the effort to stabilize the financial markets.
Congressman Frank, what are you hearing from the White House about this idea of public-private partnerships, getting hedge funds, getting private equity firms involved along with the government and with some government guarantees against losses, to buy some of these toxic assets? And how much are you hearing it's going to cost?
REP. FRANK: I'm not hearing anything that the public doesn't hear, and I think that's appropriate. I know they're working on it.
I will say this: they had a very big job when they came to office. The first thing that Secretary Geithner and his team worked on, the economic team, was a set of proposals to reduce foreclosures -- which is important, by the way, not just as a matter of social policy, but if you do not reduce foreclosures, you do not get at the current problem, because the cascade downward of housing prices with foreclosures is a part of the overall economic problem.
I thought they'd come up with an excellent plan, so I am encouraged. People jumped on them -- where is it? You've been there an hour and a half, and nothing's happened.
I thought the plan was a very good one. They are now giving similar thought and care to this plan.
I agree with their effort, which is, as Mr. Goolsbee said, to try and maximize a private-public intervention here -- to reduce the public risk, but also, getting the private firms in there can help you set what would be a reasonable price.
And I think, as I said, they are well along in this. If they wait a week or two more, no one ought to get all in a atwitter about that. It's very important to do it right.
MR. WALLACE: Senator Corker, you have said that we ought to -- and I'm going to use your expression, we ought to take our medicine and let some banks fail.
Does that mean that you would oppose, let's say -- and Mr. Goolsbee wasn't willing to tell us, and perhaps he doesn't know -- another trillion dollars, which is one number that's been thrown out there, as a part of a financial rescue plan?
SEN. CORKER: No, I want to see, certainly, what's presented. But I do want to say that I had some of the country's leading bankers in our office this week. They have no idea how this public-private partnership is going to yet work.
We have the TALF program, which I think most people believe is very important. We're still fumbling along trying to figure out how the TALF program is going to work. I know there weren't enough takers this week to actually have the first portion of it let.
And I do think the most important --
(Cross talk.)
MR. WALLACE: And let me just explain -- let me just -- because, Senator, let's just quickly explain, if you can, in a sentence what TALF is to people who don't know the acronyms.
SEN. CORKER: Okay. TALF is a program that's been set up through the Fed with Treasury, our taxpayers going in to put up collateral to buy all kinds of assets -- auto loans, other kinds of asset-backed securities, to help stimulate lending in our country.
Still, the major issue in our country is credit. And it's very difficult for me to believe that we're even considering talking about another so-called stimulus package when, in fact, we still have not dealt seriously with the credit issue. That is absolutely incredible to me.
I read today where the Germans agree us 100 percent; it's still the credit issue. And this administration, while they're still listening to Barney Frank and listening to Goolsbee, they're still campaigning. They're still running against President Bush.
The fact is they still have not laid out a coherent way of dealing with this credit crisis. And that is page one. That's what our focus needs to be.
Small businesses around this country are still having great difficulty getting credit. And till we solve that, piling government spending on top of that is not going to solve it.
So the next critical step is looking at these stress tests. And when you talk about taking medicine, we can either do a soft stress test, and certainly we'll be waiting till mid-April to find out whether it's soft or whether it's hard.
But I'm thinking it needs to be a difficult stress test so that the public knows where these institutions are, so they know whether they're sound or not. And I think that is a very important thing.
So I hope that Tim Geithner will come back. Let's get focused on solving this credit issue, and let's move this stimulus issue to the side, way to the side, until we deal with this.
MR. WALLACE: Mr. Zandi, as someone who works closely with the markets, do you think that big, private investors will be willing to partner up with the government to buy these toxic assets?
MR. ZANDI: Yeah, sure, if it's profitable enough. And it sounds like the way this is being set up, it certainly will be.
In a sense, the government is going to lend money to private investors, and the interest rate's going to be quite low. And also, the government's going to shelter the investors from any downside risk.
So if it is organized well enough, I think, yeah, you'll get a lot of private investors.
I know out of the ashes of Lehman Brothers and Bear Stearns and Merrill Lynch, a lot of companies have been formed; hedge funds and other investor groups have been formed.
They're waiting to understand what this program is all about and how it works. And once they do, they will come in and they will buy.
And in fact, I do think Senator Corker is right. I don't think stimulus by itself is the answer. In fact, the most important thing is shoring up the banking system, the financial system.
And the TALF that he mentioned is very important. It's already begun. It seems to be working reasonably well. And the private- public bank, the idea that the Treasury has, is also a reasonably good idea.
Now, there's a lot of details. We don't know a lot about how this is going to work yet, but at least in theory it's quite an elegant plan, and I think there will be investors, yes.
MR. WALLACE: Gentlemen, I want to move --
REP. FRANK: Chris, excuse me, but can I respond to Bob Corker's partisan attack in the name of partisanship?
Because the fact is nobody in the administration or on our side in Congress is focusing on the second stimulus. We only answer that when we are asked about it.
As far as being partisan, I was asked about the AIG bonuses. The fact is that these are commitments that were apparently made during the Bush years. There is a difference between the way the Bush and Obama administrations have imposed conditions. That's just a fact.
But this notion that, oh, stop focusing on the stimulus -- we're not. My committee, the committee that I chair, we are focusing on the credit issue. Mr. Geithner is. Here's the kind of catch 22 --
MR. WALLACE: Hey, Congressman? Congressman, can we turn to the -- because I know you always like to talk substance -- let's talk about the budget.
REP. FRANK: Well, I do want to rebut a false charge, that we have somehow focused on the stimulus and not credit. That simply is inaccurate.
MR. WALLACE: Well, the problem is -- now I think -- I can give Senator Corker -- I was trying to stay on substance. Let's --
REP. FRANK: Well, then, Chris, if you want to, then don't let political attacks go that -- (cross talk). That's simply misleading.
MR. WALLACE: Well, you know, I can't muzzle -- you know what -- go ahead, Senator Corker. If you'd rather get into a food fight, Senator, Congressman Frank, let's go ahead.
Go ahead, Senator Corker. Do you want to talk about the budget, or do you want to get into a food fight?
SEN. CORKER: No, I'd love to talk about the budget. And I would go back to what Mr. Goolsbee said earlier, talking about health care.
There is a $600 billion gap that the administration has pointed out. No doubt they're very open to taxing benefits of Americans on health care, because that's how they're going to fill the gap.
So I'd love to talk about the budget, and --
MR. WALLACE: All right. Let me ask you --
SEN. CORKER: And the fact -- and let me just say this. On the budget, I would like to say that I think it's interesting, when a lender, when your lender starts being concerned about where you are, I know this from years in business, you'd better be very careful.
Our biggest lender, China, is very concerned about this budget, very concerned about where it's taking our country, very concerned about our ability to pay it back.
(Cross talk.)
MR. WALLACE: Senator? Senator, I'm going to get to that. I'm going to get to that in a second. I want to -- I'm really going to do a lightning round here and get you to give me quick answers, you and Congressman Frank.
This idea of taxing health -- employee health benefits. Congressman Frank, do you like the idea or not?
REP. FRANK: No, I don't. I'm for a single-payer health care system, like Medicare.
I would say this: If we have an adequate health care system in place, that it covers people's needs, if some separate group of people want to make some separate arrangement for luxury benefits, that might be something to look at.
But no, that's not what I would like to see, and that's not what I'm for. I'm for a general health plan that's -- looks like the Medicare plan, for everybody.
MR. WALLACE: Senator Corker, health care benefit taxes?
SEN. CORKER: Look, I -- I want to see what's proposed. I want to see a private system that gives people affordable, quality health care and choice. And I'm just watching as this evolves.
I've developed my own plans in the past which give people that ability. I'm watching and certainly seeing what Max Baucus presents on the Senate side.
MR. WALLACE: Okay. And finally, Mr. Zandi, we've got only -- I can only give you 30 seconds. I'd like you to respond to Senator Corker on this issue.
The Chinese have raised concerns about the safety of their investment, and they own about a quarter of all U.S. Treasury debt. How worried should we be about that? Thirty seconds.
MR. ZANDI: We should be worried. Half of all our Treasury debt is purchased by foreign investors. Chinese are a big part of that.
I think, though, that this is -- their concern is in the long run. I think in the very near term we have to be aggressive and use government resources to shore up the economy in the next two, three years, but then immediately turn to reducing the size of our long-term budget deficits, because if we don't, investors like the Chinese will turn away and we will face measurably higher interest rates and a much weaker economy.
MR. WALLACE: Congressman Frank, Senator Corker, Mr. Zandi, I want to thank you all so much for helping us sort through where things stand with the economy.
Thank you, gentlemen.
MR. ZANDI: Thank you.
MR. WALLACE: Still ahead, we'll sit down with FDIC Chairman Sheila Bair and ask her about the strength of U.S. banks.
But coming next, our panel takes a look at a rare week of good news on Wall Street. Will it last?
Source: http://www.fnsg.com/transcript.htm?id=20090315t1344&nquery=&query=Barney+Frank&from=


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On April 20th, 2012, 24-year-old Danny Chong was spending some time at his friend's house when the Drug Enforcement Administration, DEA, raided the place. The raiding team found a large collection of Ecstasy pills but nothing to pin on Danny.
He was, however, taken in to custody and put in a cell. He should have been booked, charged and taken through the routine procedure but nothing of the sort happened. No one did anything. He was apparently forgotten and left without food or water not for hours but days. Five days to be exact. Recalling his horrific experience on NBC, he said he was forced to drink his own urine when he could no longer take the thirst and almost went mad.
He was forced to spend 5 days hungry and thirsty in a 5-foot-by-10-foot windowless cell that did not even have a bathroom. The door and walls were so thick that the officers on the outside apparently did not hear his screams and shouts for help.
In desperation he drank his on urine to survive and broke his glasses and tried to eat them. When the officers finally opened the cell, they found him delirious with the words, "Sorry Mom" carved with his broken glasses on his arm.
Chong and his family are considering suing the DEA whereas the DEA claims the incident though unfortunate, was accidental and has since then apologized.


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The Tenderloins are the creators, executive producers, writers and stars of truTV's hit television series, Impractical Jokers. In its 5th season, the Impractical Jokers follows the Tenderloins' four members - Joe Gatto, James Murray, Brian Quinn and Sal Vulcano - as they coerce one another into doing public pranks while being filmed by hidden cameras. With each new season, the show continues to take dares to outrageous levels with new over-the-top hijinks. During its 4th season, the series celebrated 100 episodes in the US with a live television event, The Impractical Jokers Live Punishment Special. Hosted by Howie Mandel, the special drew in 3 million viewers with an impressive 150 MM social media impressions
The troupe have toured steadily nationwide with their live show, which is a mix of stand-up, never-before-seen hidden camera videos, stories and insight. The highly successful tour has crisscrossed the country playing to 2000-8000 capacity theaters including a recent 3-night sold out run at New York's historic Radio City Music Hall.
Click here for more information about the Music Box!
Tour Merch Package - $150


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Ebensburg News
Local news for Ebensburg, PA continually updated from thousands of sources on the web.
City man facing kidnapping charges
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Tern Bicycles Unleashes Elektron - the BOSCH Folding eBIKE
As you know we love the BOSCH drive system in all its variations and all its bike brands. We are also a fan of folding bicycles and our various brands of electric folders are super popular with commuters and even pleasure riders who want an ebike that they can easily store in a car, RV, at the office or home.
The problem with folding ebikes is always 2-fold- the folding mechanism tends to weaken the rigidity of the frame and therefore the ride experience is effected. And, in the interest of cost and frame design, manufacturers to date have all resorted to the hub drive systems, which make the bike heavy, off balance, less efficient and harder on service.
So we're super happy that Tern has come up with a BOSCH-powered folding bike. It mates two great concepts together utilizing all the advantages of the Tern folding bike design - which is a very sturdy frame design, fully adjustable for very tall and very small riders - with all the power, range and reliability advantages of the BOSCH mid-drive motor system. It rides great too.
We'll be offering the Tern ELEKTRON in our San Francisco and Redwood City stores and the bikes are due out in early 2017.


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Payrolling employees taxable benefits and expenses
- English
- Cymraeg
- From:
- HM Revenue & Customs
- Part of:
- Published:
- 12 June 2014
- Last updated:
- 4 April 2017, see all updates
Tell HMRC online you're collecting tax on benefits and expenses through your payroll - instead of using form P11D.
Online service
If you choose to payroll you can tell HM Revenue and Customs (HMRC) online. You need to register online before the start of the tax year you want to payroll for.
You must add the cash equivalent of the employees' benefits to their pay and then tax them through your payroll.
HMRC will make sure the value of the benefit is not included in your employees' tax codes.
If you use the service you:
- won't need to use form P11D
- still need to work out the Class 1A National Insurance contributions on benefits and complete form P11D(b)
You can exclude employees from payrolling once you're registered, but you'll need to send a P11D to declare the non-payrolled benefits.
Once the tax year has started you'll have to payroll the benefits for the whole of the tax year, or until you stop providing them.
Before you start
Contact your accounting software provider to make sure your software can collect the correct tax due on the registered benefits directly from your employees' pay.
If you use Basic PAYE Tools you can now use this service. You still need to register by 5 April.
To use this service you need a Government Gateway login to enrol for PAYE online.
Service availability
7am to 10pm, Monday to Friday
8am to 8pm, Saturday and Sunday
HMRC services may be slow during busy times. Check if there are any problems with this service.
Other ways to apply
Informal payrolling
If you don't register to use the online service by the start of the tax year, you'll need to agree with HMRC that you can payroll informally for that year. To do this write to HMRC at:
P11D Support Team BP1102
HM Revenue and Customs
Department 1250
If you payroll informally you must still complete form P11D at the end of the tax year.
Submitting electronic P11Ds
You'll need to tell HMRC in advance that you are sending electronic P11Ds using the PAYE - notification of payrolled benefits form.
You can only submit electronic P11Ds if all benefits and expenses have gone through your payroll.
Submitting paper P11Ds
You need to mark each individual paper P11D 'PAYROLLED'. If you don't write 'PAYROLLED' on them, the P11Ds you submit may be processed and your employees could be taxed twice on their benefits.
Further information
Read more about payrolling: tax employees' benefits and expenses through your payroll.
Document information
Published: 12 June 2014
Updated: 4 April 2017
- HMRC's Basic PAYE Tools can now support the payrolling benefits online service.
- Welsh translation added.
- Link to further guidance on payrolling benefits in kind added.
- Guidance on using the new Payrolling Benefits in Kind service has been amended following feedback from users.
- Register now to use the new Payrolling Benefits in Kind online service. From 6 April 2016 you'll need to use this service if you want to payroll your expenses and benefits. You'll have to register for the new service by 5 April 2016 and you'll no longer have to submit P11Ds for your employees. This service replaces the current informal payrolling process.
- First published.
From: HM Revenue & Customs
Part of: PAYE


text:
Here you are, lining the leisure time period of time unsocial. Have you been reasoning about?
*how unsocial and lone you feel
Here you are, lining the leisure time period of time unsocial. Have you been reasoning about?
*how unsocial and lone you feel
Aside from the buggy and bolts of where to list your domain autograph and purchasing a well behaved economic hosting service, nearby are a few material possession to know something like purchasing a upright field name, that lone feel can tutor.
Here are a few tips to get you started on the accurately foot:
For record of our desires we get strategy to execute them. But location are indubitable that emerges out of the blue for which we are not economic equipt. The rushed output up of ends and unnecessary change in the mid of the month compose challenges and bewilder us as we strive to set out the unavoidable dosh. And in such state having bad recognition vehicle add insult to blister. Instant payday loans online are meant for such relatives that are clotted amidst the fiscal disaster.
In an unbolted comprise this debt is introduced. The drawn out followed procedure of victimization collateral is replaced by unrefined eligibility criteria which are expressed as follows: applicants should be a indissoluble employee of a stubborn or company; applicants should hang on a sound depository financial institution relationship. Applicants by dialogue the eligibility view can get dosh the same day. The smallest cash that borrowers can authorize is £100 and it mounts to £1,200 with 30 years of payment day. The compensation data format of this debt is versatile and can be long by informing the lender's place of business. This conception is provided when borrowers experience any sort of congruity in the repayment period. This malleability resource carries an in excess fee unconnected from seasoning revenue enhancement.
Most fully fledged mergers and acquisitions professionals would in all likelihood hold that buyout award is a great deal easier to elevate that start-up allowance. Here's whichever advice literary the thorny way, through with age of experience, roughly raising wealth for a company venture. First of all, the living hardest capital to raise is for a start-up enterprise. Investors don't like investment in a ensemble near no line register and bottom yet no revenues.
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A marriage is one of the best essential dealings in the go of a adult female (and she hopes for her new spouse as well!). Thus, a celebratory and all things associated to it is commonly problem to the peering persuasion of a few old folks who imagine that definite superstitions should regulate the episode and its arrangement.
There are a lot of superstitions known next to dissimilar steps of the wedding ceremony preparation and the ceremonial occasion itself. Here are both of them.
PPC is probably one of the maximum efficient ways of targeted packaging on the computer network. Forbes publication has reported that PPC, or Pay Per Click, accounts for 2 billion dollars a time period and is anticipated to rise to nigh on 8 a billion dollars by 2008.
Here is a transitory stare at how PPC industrial plant.
What's the most advantageous offering for your Valentine? What's the worst? There are very good and horrible gift planning for V-Day. The crucial entry is to be a hero and not end up in the doghouse. You don't privation to startle being new off next to a pricey couple of diamond studs, yet you don't poorness to seem affordable beside a monetary unit supply offering either.
Appropriate gifts be on the time period of your worship human relationship. If you are just this minute dating, a pretty box of confection and a paper is freshly forfeit. If you are chemical analysis critically or married, afterwards you will poverty to equivocate the later Valentine's Day disasters!
Whether you are knowledgeable about in indisputable property investment or a newcomer, rehab loans from esoteric lenders may be the fitting judgment for your next project. In today's market, in attendance are a digit of advantages to choosing private fairly than mercantile finance and location are a figure of advantages to borrowing, instead than relying on your own possessions for repairs.
First of all, many another banks have suffered from geezerhood of fashioning sub-prime loans to advanced hazard borrowers. There military group are not as full as they should be. So, today, they are not production as some loans, even to the low venture receiver. While unadulterated estate investing is in the main well thought out low risk, bankers are mixed up around the slow marketplace. They do not poverty more defaults. To the old physical holding investor, this medium that a rehab loan may be inaccessible from the guard that he utilized five age ago.
Monitor your competitors and the top ranked websites to see what they are doing within your rights. What are they doing in the way of designing, navigation, content, keywords, etc. You should ever try to learn from the finest. If your challenger is ranked superior than you in attendance is a reason why. See if you can take in any of their in folio aspects into your parcel of land.
Use reports and kindling from your web hosting camaraderie to see where your accumulation is future from. Analyze your caller situation and their in sources. Track whether they are from search out engines or golf links from other than sites and the keywords they used to insight you. Increase your focuses on the areas that are freehanded you accumulation and get rid of the ones that aren't serviceable. Once you have gotten rid of the ones that don't carry out set in motion to desire new methods and set off carrying out tests.


text:
- Duration 30 Hours
- Timings Flexible
- Locations Al Nahyan, Al Ain
How much value is your organization leaving on the table? What opportunities are being missed by people who engage daily in negotiations with their clients, suppliers, peers, bosses and teams? Every year poor and inconsistent negotiating skills and process can cost major organizations millions of dollars from the bottom line, and significant time and opportunity cost.
What will I learn?
- Applying a structured approach to Negotiations
- Preparing for Negotiations (WATNA / BATNA / ZAP and ZOPA)
- Understanding a win-win approach to negotiating
- Understanding the different types of negotiating strategies
- Preparing your negotiating strategy
- Establishing your Negotiating Style and Profile
- Applying a strong Opening Position
- Controlling the flow of information
- Effective Bargaining
- Dealing with Difficult Negotiators
- Handling Objections and Overcoming Impasses
- Managing Movement and moving to a win-win solution
- Building terms of agreement
- Negotiating outside the meeting room
- Closing your negotiations successfully.
- Networking for Success
Buyers, account executives, contract negotiators, sales professionals, sales managers, and anyone involved in selling and buying negotiation processes and would benefit from this negotiation training.
How will I benefit from the course?
Negotiation training, hands-on, with theory, exercise, workshop and case studies and videos, gives the attendees a step-by-step guide to effective negotiation. You must identify the problem, understand it from the other perspectives, generate alternative solutions and select a solution that benefits both sides. All parties need each other to achieve their goals.
The Continuing Education Center (CEC) at Al Khawarizmi International College (KIC) has been established since 1985 as a leading provider of training and development services for individuals and corporate groups in the UAE. The Continuing Education Center at KIC offers a wide range of courses in the fields of IT, Business and English Language. The training center has obtained partnerships with some of the most recognized training and testing organizations globally, such as Microsoft, Comptia, Adobe, Pearson Vue, Association of Business Practitioners (ABP), Project Management Institute (PMI), and King's English School, which is currently running a branch at KIC.
Over the years, we have managed to build one of the strongest training methodologies in the region, which focuses on developing trainees on an individual basis, and making sure trainees are able to apply the knowledge they learn in their professional lives. To achieve this, some of the most qualified instructors globally have joined us, and today they play an integral role in providing our trainees with one-on-one attention.See all Al Khawarizmi International College courses
Sales and Negotiation Related Questions
I am working as sale associate. I wanna improve my skills on retails. What kind of courses can i ...
Answered // 3 Responses//Dec 2, 2016 Sales and Negotiation, Sales, Marketing and PR


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Four Shillings in the Pound Aid 1693/4: the City of London, the City of Westminster, Middlesex
60.00 1.20 100.00 Woodroofe, Daniell 10.40 52.00 1.20 100.00 Watkins, JohnView result
House of Lords Journal Volume 7: 19 July 1645
Journal of the House of Lords: Volume 7, 1644
of the Parliament. Hereupon it is Ordered, That the said Sam. Woodroofe shallView result
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Old and New London: Volume 2
And so he was brought into Smithfield by Master Chester and Master Woodroofe ... the place of his execution, first came to him Master Woodroofe, one ... seal with my blood.' 'Then,' quoth Master Woodroofe...View result
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Newly re-crowned world motorcycle champion Marc Marquez is well on his way to becoming the greatest rider in MotoGP history.
Marquez, 21, has already set the mark for the youngest winner of the world title in two-wheeled racing's premier class, and can add another record to his growing list of achievements if he wins the Australian Motorcycle Grand Prix at Phillip Island on Sunday.
It would be the Spanish sensation's 12th win this year, breaking his tie with Italian legend Valentino Rossi for the most wins in a season.
Marquez clinched his second-straight MotoGP crown by finishing second to his world champion predecessor Jorge Lorenzo in last Sunday's Japanese GP at Motegi.
On top of his crushing domination this season, what is remarkable about securing back-to-back titles is that Marquez has done it in his first two years in MotoGP.
Add his junior world championships in the 125cc class (now Moto3) in 2010 and Moto2 in 2012, and he is more than halfway to matching Rossi's nine titles and could ultimately threaten Italian all-time great Giacomo Agostini's record 15 crowns across multiple categories.
Marquez is in a very different era to Agostini's peak in the mid-1960s to mid-'70s, when he dominated the old 350cc and 500cc titles mainly on MV Agustas, and it will be much more difficult for him to accumulate 11 more MotoGP crowns.
But Rossi's modern-age achievement is reachable or even surpassable, especially for such a precocious talent as Marquez. Having clinched this year's title, though, his immediate goal is to win his first Australian GP and then attempt to finish his banner year with victories in the final two races in Malaysia next Sunday and Valencia next month.
Marquez signalled his intentions at Phillip Island in qualifying on Saturday, securing pole position on his Honda RC213V for Sunday's 27-lap, 120-kilometre main race.
The fast 4.4-kilometre ocean-side circuit was formerly the domain of Australia's double MotoGP world champion Casey Stoner, who won a record six times on the island before his retirement at the end of 2012.
Marquez replaced Stoner at Honda and immediately established himself as a front-runner, although his extreme riding style made him more crash-prone. The web is full of photos and videos of Marquez cornering at what look like impossibly acute lean angles, often using his track-scraping extremities to stay upright.
He is an exciting and brave rider whose cornering commitment is as breathtaking as it is different from Stoner's aggressive approach, which was to pitch and slide his bucking beast into submission.
Yamaha's twice-world-champion Lorenzo, who pushed Marquez to last year's title and has rebounded from his early struggles this season to win the past two races, rates his arch-rival as difficult to beat as Stoner at his peak.
"They are different," Lorenzo told Fairfax Media. "Probably, when Casey was inspired, he could be maybe a little bit faster than Marc. But the problem is Marc has the same talent – different talent, but more or less the same level of talent – and he's younger and less afraid to crash even than Casey.
"It's a different mentality. The hunger to be fast everywhere and every time is maybe even better than Casey's was. But, you know, it is difficult to compare because Casey had a different kind of riding style."
Lorenzo added that Marquez's domination has been accentuated by the Honda being a more complete package than his and Rossi's Yamahas this year.
"So when you put together a very complete bike and a young, talented, aggressive, ambitious guy, then you make a very strong combination," he said.
Australia's former world champion Wayne Gardner, who won the first Phillip Island GP 25 years ago, believes Marquez is poised to replicate Rossi's feats.
"He's pretty special," Gardner said. "He learns very fast and he certainly has a lot of ability. Not to take anything away from him, but he's had some great opportunities. He has Honda behind him and he's always had the best equipment underneath him. However, he's also ridden it the best, too, so I'd have to say he's extremely good.
"He's another young Rossi. What I really like about Marc is that he has a great personality. He's always smiling, he's always happy even when he has a bad day. He just loves being out there riding a bike fast and he rides the absolute wheels of the bikes. So you have to admire him, he's pretty good."
Admiration and awe of Marquez's ability and results extends to youngsters who aspire to unseat him in the future, including Australia's next MotoGP hope Jack Miller. He watches from the sidelines as he chases the third-tier Moto3 world title ahead of his category-busting graduation to MotoGP next year and recognises the heights he will have to reach to match Marquez, whose younger brother, Alex, is also competing for this year's junior crown.
"He's just got so much talent, but also so much confidence in his ability," Miller said of Marquez. "It gets him into some shit sometimes, but most of the time it doesn't. Most of the time it makes him do some extraordinary stuff on a bike."
Having said that, 19-year-old Miller offers MotoGP senior citizen Rossi as the shining example of the rider he hopes to emulate in his three-year deal with Honda, which will groom him in its satellite LCR team next year and 2016 before possibly promoting him to be Marquez's factory teammate in 2017.
"For me, I look at Valentino Rossi [for inspiration]," Miller said. "The guy's 35 years old, mixing it with the youngest and the best that's been since him, so you have to take your hat off to him.
"It's hard to teach an old dog new tricks, but he keeps learning, for sure. He's had to step up and I think he's quicker now than he ever was before."