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2.1 – Overview
India needs help from all of us countrymen in developing a tax culture. The fear about income tax department can be removed only by gaining knowledge on all the basic rules and regulations. Income tax rates in India have drastically reduced from over 90% in the early seventies to now (2018) where no tax has to be paid on annual income upto Rs 2.5lks. But the apathy of taxpayers towards filing income tax returns and paying taxes continues till today.
With the systems used by the IT department becoming sophisticated every year, the chances of repercussions in terms of notices and penalties due to non-filing, mis-filing, and hiding information while filing your income tax returns (ITR) is going up significantly. Similar to how Income tax (IT) department has access to all your bank account details, they can also check upon all your capital market activity easily through the exchanges as they are all mapped to your PAN (Permanent account number). With AADHAR slowly getting linked everywhere the day isn't far when IT department will be able to send you a consolidated activity (income and expenses) statement, similar to how NSDL/CDSL sends for your holdings across all demat accounts.
Check this notice received by a client who hadn't declared his trading activity on commodity exchanges in FY 2012/13. The notice was sent only in 2015 asking for an explanation. Check this link that has a list of various codes in which these notices are sent by the IT department.
Even if the intent is there to be compliant, most people including many Chartered Accountants (CAs) don't understand the subject of taxation when investing & trading very well. We had put up blog post, "Taxation Simplified" on Z-Connect a few years back simplifying key aspects of taxation for market participants. Over the last 2 years we have received a few thousand queries on the post. Answering all of them it was obvious that we had to do a lot more to simplify all aspects around taxation while trading or investing in the markets, hence this module.
If you only invest into stocks or mutual funds filing returns is quite simple, but can get tricky if trading intraday stocks or financial derivatives (futures and options).
We will in this module break all the concepts down into small easy to understand chapters without any of those jargons typically used by CA's or tax consultant's. Here is a sneak peak into what you can expect going forward in this module –
- Introduction (Setting the Context)
- Basics
- Classify your Market Activity
- Taxation for Investors
- Taxation for Traders
- Turnover, Balance Sheet, and P&L
- ITR Forms (The Finale)
2.2 – What is income tax?
It is a tax levied by the Government of India on the income of every person. The provisions governing the Income-tax Law are given in the Income-tax Act, 1961. In simpler words, Income Tax is a portion of money that you earn paid to the government of India.
Why should I pay tax?
Yes India does not offer social security and free medical facilities as being provided in some developed countries, but the government needs funds collected as taxes to discharge number of responsibilities like Government hospitals, Education, National defense, Infrastructure development just to name a few.
Who is supposed to pay income tax?
Income-tax is to be paid by every person who earns more than the minimum income slab set by the government. The term 'person' as defined under the Income-tax Act covers in its ambit natural as well as artificial persons (including corporate).
Only 2.9 percent of over 121 crore population are taxpayers in India compared to over 45% in a developed economy like U.S.A. Part of the reason for such an abysmally low number is also because many Indians don't earn enough to qualify to pay income tax, but the larger factor has got to do with lack of tax culture.
Taxes have to be paid based on how much income you earn every financial year. Financial year in India starts from April 1st and ends on 31st March. Do note that year can be specified either as financial year (FY) or assessment Year (AY).
FY is used to denote the actual year the income was earned for which you are filing taxes. So FY 2014/15 is the financial year starting April 1st 2014 and ending 31st March 2015.
AY is used to denote the year in which you are supposed to file your taxes. So AY 2015/16 is the year when you file the returns for income earned in FY 2014/15. So AY 2015/16 and FY 2014/15 are one and the same. So you will use ITR with AY 2015/16 on it to file your taxes for the income earned in financial year starting April 1st 2014 and ending 31th March 2015.
2.3 – Income tax slabs in India for financial year 2017/18
All Indians have to pay taxes on the total income earned every year as per the below tax slabs they belong to. If you are salaried, your employer would already be paying taxes on your behalf to the government and issuing you a 'Form 16' as an acknowledgement for having paid the taxes. Your employer will not have access to all your sources of income, like bank interest, capital gains, rental income, and others. You are supposed to use the form 16, add all your other income, calculate and pay any additional tax, and file your income tax returns before due date every year. The tax slab for individuals (FY 17/18) is as below –
Individual (age upto 60 years)
|Income slabs
|Tax Rates
|0 – Rs 2.5 lks
|Rs 2.5lks – Rs 5lks
|5% of amount by which income exceeds Rs 2.5lks.
|Rs 5lks – Rs 10lks
|Rs. 12,500 + 20% of the amount by which income exceeds Rs 5lks
|10lks and above
|Rs. 112,500 + 30% of the amount by which income exceeds Rs 10lks
Surcharge: 10% of income tax if income between Rs 50lks to Rs 1 crore. 15% if income exceeds Rs 1 crore.
Senior citizen (age 60 to 80 years)
|Income slabs
|Tax Rates
|0 – Rs 3 lks
|Rs 3lks – Rs 5lks
|5% of amount by which income exceeds Rs 3lks.
|Rs 5lks – Rs 10lks
|Rs. 10,000 + 20% of the amount by which income exceeds Rs 5lks
|10lks and above
|Rs. 110,000 + 30% of the amount by which income exceeds Rs 10lks
Super senior citizen (age 80 years and above)
|Income slabs
|Tax Rates
|0 – Rs 5 lks
|Rs 5lks – Rs 10lks
|20% of the amount by which income exceeds Rs 5lks
|10lks and above
|Rs. 100,000 + 30% of the amount by which income exceeds Rs 10lks
Additional surcharge of 10% of taxes if total annual income crosses Rs 50lks and 15% if crosses Rs 1 crore.
From the next chapter we will start focusing in detail on all aspects of taxation when trading and investing in the markets.
Key takeaways from this chapter
- Filing correct Income tax returns is the duty of every Indian
- The Income tax department has access to your market activity
- Only 2.9 % of Indians are tax payers
- Financial year (FY) is the year income was earned, Assessment year (AY) is the year you file your taxes on the income earned
- Financial year is between 1st of April of the current year and 31st March of the following year
- The income tax applicable to you depends on the income tax slab you belong to
- The income tax slabs vary based on your age group
Disclaimer – Do consult a chartered accountant (CA) before filing your returns. The content above is for your general knowledge only. Content meant for Individual retail investors/traders in India.


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Are you and your significant other are thinking about going travelling together? Or perhaps even you and a close friend? Travelling with your best friend (be that partner or otherwise) is so rewarding! So if you're just starting out, or you can't decide who to go with, let us share with you what it's like to travel as a couple.
Even before we were a couple we'd both always wanted to travel, but hadn't got round to taking the leap. Having each other and sharing in our passion for travel, we gave each other the push we needed to pack our bags and go! When you travel with your partner one of the best parts about it is that you can push each other to keep going, to save more money, to try new things and to visit places you that might not have considered on your own. In fact, our first road trip had originally started out as driving around France, Spain and Portugal. As we began planning we pushed each other to go further and further into Europe.
What if you argue?
One of the main concerns when travelling with someone you're so close to, is what happens if you argue? There will be times when you don't always agree, that's just part of being human! But when you're on the road you take yourself away from the stresses of everyday life that can often lead to arguments. Plus when you find yourself distracted by all the amazing new things you're experiencing, there's really very little to argue about.
However, disagreements are inevitable, even if it's something as silly as where to eat dinner that night. The important thing to learn is to let things slide. Hey, you're on this amazing adventure together, and more often than not you're in a new environment. So if you do begin to pick up on each other's little 'quirks', just talk it out and move on. The last thing you want to do is look back on your time in an incredible place but have your memories ruined by the fact you happened to be bickering that day.
It really is the most rewarding experience
It also feels very safe having someone you trust with you as you embark on new adventures. The night before we left to get the ferry we were both so nervous, neither of us had ever done anything like this before! But it was so comforting knowing we were taking this huge step together. And depending on the type of person you are, you might need that little nudge every now and then to try new things, and that's what friends are for! They say in life you regret the things you didn't do, so it's great to have someone there to help you do those things if you're not feeling confident enough on your own.
For anyone considering travelling with their partner or best friend (these may be the same person!) it really is the greatest thing you can do. Exploring new places and cultures together and encouraging each other to try new things is such an exciting way to build on your relationship. The total freedom of only having to please yourselves means there are no outside distractions or expectations. These are the things that can weigh you down in everyday life. It means you can dedicate your time to each other and discovering everything the world has to offer.

subset: commoncrawl


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The Friday Fantastic Four.
1. Featured Law-Oriented Blog.
This week's featured law-oriented blog is Progressive Law Blogs Aggregator. The blog is basically a running aggregator of posts from a number of "progressive" blogs, including Daily Kos, Balkinization, Sentencing Law & Policy, Talkleft, and others.
What I find most useful about this blog is that it lets you quickly scan through a short synopsis of the latest postings from each of the "included" blogs. Instead of having to individually keep up with all of these different blogs, you can check the Progressive Law Blogs Aggregator for updates to all of them at once.
2. Featured Law Commentary.
This week's featured legal commentary is Edward Lazarus' editorial about the Alito hearings. Lazarus argues against the more technical considerations of what Democrats might have done differently or better in questioning Alito, and argues for a more substantive examination of what lessons can be gleaned from last week's hearings. Lazarus argues that one important substantive lesson is that nominees now need to portray themselves as relatively moderate to secure confirmation, even in the currently conservative dominated Congress.
Lazarus notes the following significance of the nominee's need to at least portray himself (or herself) as a moderate:
My point here is not to suggest that Alito is going to be anything other than the very conservative jurist he has always been. On the contrary, I fully expect him to be more conservative than Roberts and perhaps as conservative as Scalia, though probably without the originalist trappings.
But it is still significant that conservatives appear to recognize that the legal rollbacks they seek are sufficiently unpopular with the public at large that no candidate for the Supreme Court can openly endorse them. Indeed, nominees have to explicitly repudiate much of the real right-wing legal agenda, or else risk Senate rejection.
This seeming disjuncture between right-wing jurisprudence and public opinion raises some intriguing possibilities.
One possibility is that Roberts and Alito will stay true to the moderate conservative image that they sought to project at the hearings. If so, the ideological shift at the Court will be fairly modest. It was, after all, already a conservative court by most benchmarks.
A second possibility is that either Roberts or Alito or both will treat their testimony before the Senate as a means for achieving life tenure, rather than as a sincere expression of their views - and that, over time, one or both with emerge as a radical conservative in the Clarence Thomas mold.
Naturally, such an eventuality would have significant consequences for the political balance of the Court. Depending on who replaces 85 year-old John Paul Stevens once he retires, if Roberts and Alito turn out to be radical conservatives, a major retrenchment becomes a very real prospect.
At least some interesting thoughts to ponder.
3. Featured Non-Law-Oriented Blog.
Bloglines. This is a great resource if, like me, you try to keep up with a significant number of blogs and websites. The concept is simple. You go to bloglines, go through a free registration to create an account, and then add the RSS feeds of your favorite sites to your bloglines "feeds" list. Then you can simply log in to bloglines, open up "My Feeds" and see what sites have been updated and what the latest posts on all your favorite sites are. A quick synopsis that lets you scan whether you want to go read the entire post or not.
This really is an incredible time-saver. The only drawbacks I've found so far is that not all of my favorite sites have RSS feeds, and that on occasion I get an error message related to some of the sites. But on the whole Bloglines is really saving me lots of time. And Kierkegaard Lives can be syndicated through Bloglines; just click the little Bloglines button over on the sidebar!
4. Featured Just-For-Fun Site.
Today's "Just for fun" site is Daily SuDoku. If you haven't had the joy of getting hooked on Sudoku yet, here's the basics: You get a puzzle consisting of Nine squares, each of which is also comprised of nine smaller squares. The result is a big box that is nine squares long and nine squares high. In each of the nine big squares, you must have the numbers 1 through 9. In each row, you must have the numbers 1 through 9. In each column, you must have the numbers 1 through 9. It sounds easy, but it can be infuriating. If you haven't tried this yet, go check it out. If you are hooked on Sudoku like I am, this is a great place to get a daily "fix."
Previous Friday Fantastic Four Posts:
January 6, 2006
December 30, 2005


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MAC Viva Glam Miley Lipstick Review15:18
Hey Guys! So today I thought I would do a review of the new viva glam lipstick from MAC. Due to being busy recently I only managed to pick ...
Hey Guys!
So today I thought I would do a review of the new viva glam lipstick from MAC. Due to being busy recently I only managed to pick it up the other day, however I am so glad I did!
So this is the Viva Glam Miley Lipstick, £15.50 from the MAC WEBSITE.
Now your probably thinking, Beth do you really need ANOTHER pink lipstick?! Yes when it's as gorgeous as this one! Now it is the limited edition Miley Cyrus viva glam. This can be quite controversial as it is Miley Cyrus, however I did used to love her back in the days of Hannah Montanna, maybe not so much recently but I wasn't going to let that put me of this lipstick. There is also a lipgloss that goes alongside this which I didn't get, as I probably didn't need that as well.
It comes in the same type of MAC lipstick bullet but also has Miley's signature on, and has pink on the inside. I think this makes it more unique and slightly nicer than the normal range. The finish is an amplified, which is actually one of my favourite finishes that MAC does. It is still quite creamy and moisturising but still has a lot of pigment to it. It is a lovely bright hot pink colour which a little bit goes a long way.
On me it will last a long time, which MAC lipsticks usually do, but being such an opaque colour it seems to last even longer, up to about 5 hours! Even when it has started to wear off, there is still a pink stain left on your lips. (could be a good or bad thing!)
I absolutely love pink lipsticks, and think they suit my undertone the best so therefore I adore this lipstick. I also love the fact that I don't have to think about reapplying it often, as it has such good staying power, even if you are eating or drinking.
It also does not dry your lips up at all and doesn't seem to bleed on my lips. As it is so creamy, I find it very easy to apply and it just seems to glide on without me having to be too accurate.
I think that this lipstick will suit the majority of people and even if you are not brave enough to wear it's full colour then you can tone it down by just popping a little bit on and blending in with your finger.
If you purchase this lipstick then all the profit (less VAT), will go to help Women, Men and Children everywhere who are affected by HIV/Aids, so a good cause.
Let me know if you buy this lipstick and your thoughts, I know that this is definitely going to be a big stable through the spring and summer months, and you will probably see me mention it in upcoming posts!
Thanks for reading!
See you in my next post!
2 comments
I really want this lipstick! How gorgeous would it be in summer with a tan?ReplyDelete
COOCOO FOR COCOReplies
I would definitely recommend! oo yes it would be lovely! Been wearing it everyday since I bought it!! Thanks for your comment! xxDelete


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Fashion & Style
Your Guide for Boot Styles to Be Paired With Different Outfits
So this year is all about new trends and fashion statements. We are getting to see a lot of styles in footwear. Talking about footwear, let us address the topic of our article- BOOTS! It's amazing to see how boots have evolved throughout the years. They're currently in vogue and a hot favorite among celebrities. I must say, street style is never really complete without boots.
Boots are now also a favorite for daily wear and while some even just wear them occasionally, it's imperative to know how to style them. Here, I'll be talking about the various ways to pair different boots with your outfits. Also, I would be giving you a styling tip (a probable best combination) for every boot that we talk about!
1. Thigh-high and knee-length boots are now the big thing and there's hardly any celeb that hasn't been spotted in these. They look good with totally anything from jeans, skirts to dresses. But they look more flattering with short skirts, dresses and denim shorts. These are a must-have for parties and concerts along with glittery skirts and accessories.
Styling tip: Boots + mini skirt/shorts + tank top
Boots + short dress + hoop earrings
2. Uggs are great for winters and ideally are paired with jeans and leggings. However, you would want to avoid them with skirts and dresses but hey, a little experimenting can always be fun!
Styling tip: Uggs + Oversized sweater/coat + Jeans/leggings
3. Combat boot are a favorite of many and go well with almost everything. Black combat boots plus a casual and modern outfit look ravishing. The same can be said for lace-up boots of any length. These two boots scream simplicity yet boldness in a subtle way.
Styling tip: Boots + Jersey dresses
4. Our saviors are the peep-toes, the Chelsea boots and of course our heeled-boots. These are comfortable, casual and great for everyday wear as well. They can also be opted with formals.
Styling tip: Boots + full-sleeved shirt + trouser or boots + formal dress (for business/office)
Boots + top + jeans/long skirt
5. Many women are apprehensive about pairing or rather even wearing rain boots due to the common notion that they look so out-of-fashion. Well, the news is that they're totally in fashion and can be worn with anything you like. Believe me, they look cute!
Styling tip: Boots + top with 3/4th sleeve + jeans/leggings
- Make sure your boots are of correct size. An ugly fit makes them look too big for any outfit
- Sometimes, proper color coordination can do wonders
- If running low on a budget, buy boots can be suitable for every outfit in every season. E.g.: heeled boots, booties, or wedged heels, etc.
- And finally, make sure that you experiment as much as you can. In the process, you may also get to know the style that suits the best on you
So this is how you can pair different types of boots with various outfits to get the look you desire. You may want your look to be subtle or strong, classy or flirty, and many more. With boots, you can be sure to make your statement!
Check out more fashion tips at BFF Blog.
Image Source: pinimg.com, tinypic.com


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Fifty years ago this week, a portly gentleman stood up in the Senate House of Cambridge University and launched a meme - an infectious idea - which has reverberated ever since. The speaker was a successful novelist who had earlier in life been a promising scientist before his career was blighted by an unfortunate experimental mistake. (He and a colleague thought they had found a way to make vitamin A, but it turned out that they hadn't.) During the war he had discovered a talent for scientific administration and in the postwar era had become a knight and a pillar of the establishment. His name was Charles Percy (CP) Snow.
Snow's Big Idea was that there were "two cultures" in our society - that of the "literary intellectuals" (as he called them) and that of the natural scientists. His argument was that there existed a profound division - characterised by mutual incomprehension and distrust - between the two cultures, and that this division had disastrous consequences for society.
The defining characteristic of a successful Big Idea is that it should be big enough to suggest profundity, but not so big as to be difficult to comprehend. In that respect, the only serious competitor to the Two Cultures meme over the past half-century has been Thomas Kuhn's notion of "paradigm shift". Both ideas are endlessly parroted, frequently misinterpreted and relentlessly deployed to lend a touch of academic class to intellectual brawls that might otherwise look vulgar.
Over the years, Snow's meme has been subjected to criticism and abuse, but the idea of mutually uncomprehending cultures still seems relevant to understanding why important segments of our society are struggling to come to terms with a networked world. In our case, the gap is not between the humanities and the sciences but those who are obsessed with lock-down and control, on the one hand, and those who celebrate openness and unfettered creativity on the other. The odd thing is that one finds arts and scientific types on both sides of this divide.
The legal scholar James Boyle describes this as the division between those who are culturally agoraphobic and those who are not. In a couple of recent lectures (available online at http://bit.ly/tYEFj and http://bit.ly/1KVUr4) he has suggested two intriguing thought experiments to illustrate the gap.
Imagine, he says, you're back in the early 1990s. The potential of electronic networking is dawning on the world, and there are two possible paths of development. The first is a version of the French Minitel system - government-provided terminals in every home on which appear information and services from a small number of approved providers (the BBC and Guardian for news, the Met Office for weather information, Reuters for stockmarket information, and so on). Everything is controlled and reliable. The other option is a publishing system in which anybody can publish anything - including lies, propaganda and pornography - with no prior approval. Question: which system would you have chosen?
In Boyle's second experiment, the task is to design the world's first global encyclopedia. One proposal is for a huge enterprise that starts by appointing an editorial board of the world's foremost thinkers. It recruits a staff of experienced commissioning editors who solicit articles from respected authorities. The resulting submissions are rigorously checked for factual accuracy and impartiality before being published. The publication is updated once every five years. The alternative proposal is from a guy who says "Well, I think we should put up a website and ask people to write stuff for it." Which one would you have chosen?
Boyle's point is that most of us would have chosen the Minitel and Britannica models and thus denied the world the web and Wikipedia. The cultural agoraphobia from which most of us suffer leads us always to overemphasise the downsides of openness and lack of central control, and to overvalue the virtues of order and authority. And that is what is rendering us incapable of harnessing the potential benefits of networked technology. Industries and governments are wasting incalculable amounts of money and energy in Canute-like resistance to the oncoming wave when what they should be doing is figuring out ways to ride it.
Which brings us back to dear old Snow. In 1959 he argued that the gap between his "two cultures" was holding us back from applying technology to solve the problems of the world. Fifty years on, we're still in the same boat. The cultures have changed, but the problem remains.


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New product added
8th Dec 2010
You may have noticed I have been adding some new products to the store. I am right now adding plastic bags to the store. These are used for fish bags and for crickets as well. We are carrying a good line of these for our aquatic customers. I have to tell you though taking pictures of bags is boring. They really do all look the same. Once completed we should have a good assortment of aquatic supplies in stock. The bags are not done yet but I hope to have it completed this week. Yesterday while entering some of them into the store I had to upgrade the plan I had as we surpassed 100 items in the store. That may not seem like a big deal to you but it sure was for me as I did not think I had that many already. So the store is growing and we have more products on the shelf that we have not put up. Since you are reading this if you can think of another product that you would like us to carry please send us an email and let us know. We are looking for new products to add and you know what you need so please let us know.


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Throughout our 12 years of diamond experience our top priority has been a dedication to pleasing our clients. Whether it's a hopeful groomsman, a doting bride to be, or a mother looking for some diamond studs for her daughter's graduation, at Beverly Diamonds we see everyone who looks at our products as someone with a story, and we want to be a part of that story. Diamonds represent more than just sparkle and shine. Love, pride, dedication, and loyalty are all characteristics that a diamond possesses, and these are the emotions that we hope our customers experience when they decide to invest in one of our gifts.
As a trusted diamond retailer, we make sure that all of our diamonds are thoroughly inspected by our certified diamond gemologists. We offer a variety of quality diamond studs, engagement rings, diamond pendants, and engagement bands.
We present this blog as a resource for all you diamond seekers, since we know that shopping around and finally purchasing a jewel is a big investment. Find advice, answers to those difficult questions, fun gift-giving ideas, and a plethora of other diamond tidbits.
If you'd like us to cover a certain topic or question, just comment on the blog


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Water Damage Repairs: Securing Your Home From Impending and Immediate RisksPar serviciodeaguayfuego dans Accueil le 26 Juillet 2016 à 17:01
Inundacion de casa Miami
Damage from water repairs should make sure that the structure of the property is safeguarded and guarded from deterioration. Inevitably, Water damage is a huge concern for several homeowners. It is a way of loss that is caused by the intrusion water across specific areas or perhaps entire a higher level the property. The damage can be minor and progressive plus it may be catastrophic with instant results. The damage is a large reason behind losing property value. Flooding, rainfall and stagnant water can result to some variety of risks such as the weakening with the soil foundation, damage to home interiors, electrical devices, rotting and others. Any homeowner should aim to minimize the hazards which will help prevent future damage. This is necessary to maintain your home safe and maintain its monatary amount.
Dano de agua Kendall
Risks levels a result of water damage
Inundating repairs can address many risks. There are several sorts of damage caused by water. The initial level is due to clear water. It may be broken pipes or water spots. The 2nd level is because gray water that may be full of contaminants. Maybe it's sewage water, or failure water dependent devices to discharge the river out. Lastly, there is certainly damage a result of black water that could be caused by catastrophic events and is tough to fix.
Can it be safe to travel DIY?
When contemplating water damage and mold repairs, there are many issues that can be addressed simply by DIY methods. If the damage has not seeped through various systems throughout the home and can be mitigated by simple repairs, this could possibly be strongly related do-it-yourself. However, most damage from water shows symptoms in the event the condition it really is already widespread. Plywood and also other wooden structures that have been moistened by leaking pipes, ice dams or broken roofs can result in increase of mold spores, causing illness. Such problems can cause multiple structural and health conditions. Therefore, fast and immediate action is important for any homeowner.
Obtaining a restoration contractor
A restoration service is best for houses with massive and instantaneous damage like plumbing issues, sewage problems, flooding, hurricane damage as well as other events which could last more than 24 hours. These specific damages may make your home uninhabitable. It might also result in health problems due to growth of microorganisms. Such damages must be addressed by experts because it is not only on top in which the problem can settle. The foundation of the home may feel damage also. Hence, for the majority of damage cause by water, it might be best to contain the aid of an authority when controlling them.
Water-related damage is definitely a huge concern for several homeowners also to address both mild and severe issues, receiving the the help of restoration services may be essential to:
- understand the extent of the risk using state of the art equipment
- make the room/home habitable again
- protect your family from microorganisms which can be seen in stagnant, dirty water
- safeguard items including furniture or electronics from risks
- Keep exteriors and interiors in good shape following your damage.
Damages incurred from water can be devastating. It is very important find a solution fast and effectively. With minor or large scale damage, it might be best to get advice from expert doing damage from water repairs to make sure a property that is dry and safe from future risks that could happen. Buying quality restoration services are then required for any homeowner since it will ensure their homes feel secure at all times.
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Meet our dedicated commerical sales and customer services teams.Read more
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Bulk Services
KiwiRail provides dedicated services for producers of bulk goods across a number of industries.
Bulk commodities are well suited to rail with its ability to carry large consignments and make use of the benefits of scale.
Our trains move from production site to destination based on the specific needs of our customers. There is no comparison with rail's safe, environmentally friendly transportation.
Bulk trains are in use within the following industries:
- Dairy
- Coal
- Forestry (Timber and Pulp & Paper)
- Steel
Contact a member of our Commercial sales team to find out how KiwiRail can help your freight transport needs.
Did you know:
Each milk train carries the same load as 28 road tankers.


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[front door photo from Pacific Mutual Door]
You know when you move into a new house and there is the excitement of designing, colors, furniture, etc. Then you start packing and loading truck loads of your junk, your back hurts, and you swear you are never moving again ... well that is exactly what I have been feeling like when I decided to take on a whole new personal blog. WHEW!
There are two very important people that I need to THANK! They of course added to the excitement part of moving [not the swearing].
First my designer - Ironwood Design Studio. Rachel was so gracious and very easy to work with. I highly recommend them. Be sure to check out the other work they have done - amazing! I am also a little jealous that she lives on one of my favorite places: MAUI. Thank you Rachel!
Second is my long time friend Anna Robyn [or AR] - she rescued me from the heavy lifting. Moving from Typepad to Blogger is no easy task. There are a few short cuts that worked for 50% of the move. The rest of it was done manually - yes, each photo had to be deleted and re-saved. Expect some link breaks here and there, I am hoping to fix those as I time allows.
THANK YOU to you both!
Now it's time to Par-TEEEEE!!!! Mark your calendars for Monday, April 18th for some giveaway fun!!


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Loaner car reservation must be made in advance of your service appointment. Available on a first come, first serve basis.
Oil changes include complimentary oil, filter, labor and disposal fees for the first year of ownership. Maximum of 2 oil changes.
Free Pennsylvania State Safety Inspections available for as long as you own any new or pre-owned vehicle purchased from Glanzmann Subaru.
Free exterior car wash with every service visit. Car wash for express service visit available by request.
By appointment. Service dept will have a qualified technician perform a multi-point inspection to ensure your vehicle remains running safely.
Roadside Assistance provided by Subaru on new vehicles for the first 3 years/36,000 miles. See dealer for details.
Enjoy anytime alignment checks with our state-of-the-art equipment.
Enjoy anytime tire tread checks with our state-of-the-art equipment.
Enjoy anytime battery health checks.


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Joy Ride Turbo has been announced by Microsoft.
The studio revealed that BigPark's arcade racer for Xbox 360 is "just weeks away from" launch.
Joy Ride Turbo will be a downloadable entry in the series, released through XBLA. The game features include 42 vehicles, additional tracks, four-player split screen, eight-player online, and three modes of play: Battle Race, Pro Race and Time Trial.
The new Stunt Park lets players roam around a huge open space performing tricks and jumps, while collection coins enable you to unlock bonus material and earn trophies.
BigPark released Kinect Joy Ride for Xbox 360 in 2010. The new game will not feature motion controls, but will retain its predecessor's cartoon visuals and some of its most popular tracks.
Joy Ride Turbo is yet to be assigned a specific release date.
Watch a trailer for Kinect Joyride below:


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The Cup (2011)
- Studio: Roadshow Films
- Release: October 13, 2011
- Director: Simon Wincer
- Writer: Simon Wincer, Eric O'Keefe
- Cast: Brendan Gleeson, Stephen Curry, Tom Burlinson, Daniel MacPherson
Video archive for the film The Cup, which has a domestic theatrical release in the year of 2011. There are currently six videos available for the film, of which one and only one is a trailer, as listed below. Happy viewing!
Featured Movie Mulan


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Welcome to St. Philip Neri Parish!
We are so glad that you've taken the time to check us out! We invite you to explore our website to see what make St. Philip Neri Parish unique.
Our About St. Philip Neri Parish section gives a few details about who we are, our staff and leadership model.
If you are looking to connect here or want to know more about our ministries you can check out mass times on our Home Page, the listing of our ministries, or to find out what's happening from day to day look under News & Events.
If you have any questions or comments check out our Feedback section or Contact Us directly.
Thanks for stopping by. We certainly hope you will join us again.
Office Hours:
Monday thru Friday: 9:00 am – 12 noon & 1:00 pm – 4:00 pm (Office is closed for lunch from 12:00 noon - 1:00 pm)
Phone: (306) 343-0325
Fax: (306) 343-0900
Regular Mass Times:
Saturday - 5:00 pm
Sunday - 9:30 am & 11:30 am
Summer Mass Times:
Saturday - 5:00 pm
Sunday - 10:00 am
Weekday Masses: Tuesday thru Friday - 8:30 am
(Rosary ½ before weekday Masses)


text: On 1/08/2012, at 4:49 AM, Richard Carlsson wrote: > Yes. That's why there needs to be a new Unicode-aware string library. Operating directly on lists (e.g. using lists:reverse/1, or even length/1) is always going to have surprising effects, and the old 'string' module in stdlib probably can't be modernized while maintaining backwards compatibility. It should be noted that the "length" of a Unicode string is an inherently ambiguous concept anyway. It makes sense to ask how many codepoints there are in the string as given, or how many there would be in a particular normalisation form, but neither of those is how many characters the *user* would count (which is not just script-sensitive, not just locale-sensitive, but very context-sensitive). Oh, and none of them is the same as "how many columns would this require in a fixed-width font."


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These are some nice things clients have said about my actors headshots work
I've got more happy Mandy.com testimonials than any other photographer: hit the button to check them out!
"I love working with Michael. His relaxed nature and professionalism instantly puts me at ease. Michael's experience as an actor enabled him to be sensitive to my needs and we quickly created a trusting relationship. The tranquil studio is also the perfect place to focus and create a diverse portfolio of photos. I recommend Michael to everyone!" Kirsten Callaghan, Howard Cook Associates.
"As a side to ordering these extras – just thought I'd pass on that practically every single agent/ casting director I've met since getting my shots done a year ago has commented on the quality of them – so thanks again for giving me such good shots to kick things off!" Luke Hobson, Rose Bruford grad, repped by Pemberton Assocs.
"I knew I wanted to achieve a different look when getting my new set of Headshots, and Michael managed to perfectly capture everything I wanted to in my pictures, showing my personality whilst also giving a variety of looks that could last me years! The atmosphere was incredibly laid back but also super productive and I managed to get loads of different looks done by the end of the session. The pictures are classy and a true reflection of me! Can't wait to find an excuse to get more done! Thank you Michael." Kirsty Whelan, actress & Arts Ed grad.
"What a great experience. Michael makes you feel totally relaxed. And I'm delighted with his choice of set-ups. My photos have great life about them. He brings out that 'something' that makes you, you. A true Actor's Photographer. Couldn't be happier." James Barriscale, actor (Spooks, Murphy's Law, Eastenders), Angel & Francis.
"Just wanted to say that since my headshots went up on Spotlight recently I have been called for more castings in a matter of weeks than I have been called for so far in the whole two and a half years I've been with my agency. I've finally had a commercial and a TV casting and so I have to thank you and your wonderful photographic skills for really giving me a much needed boost to being seen." Stephanie Winiecki, actress (Linton Management).
"Michael is sublime. I was thoroughly impressed with the entire experience. He relaxes you, makes you feel comfortable and works very collaboratively with you and never dictates his own agenda. He is a wonderfully supportive photographer – I have no hesitation in recommending him. I'm delighted with my results." Gordon Peaston, actor, Amanda Sarosi Assocs.
"Thank you so much Michael for an amazing shoot. I was quite nervous and really keen to get the right shot; you immediately made me feel comfortable and confident. I was very impressed with the range you offered me in terms of the different backgrounds, encouraging a variety of facial expressions and emotions, whilst keeping to the brief we discussed, in depth, at the start of the shoot. The turn-around of getting the proofs through and the final edits was so quick – I'm really excited about using my new headshots. I'd definitely recommend you in terms of quality, professionalism, and value for money – thanks again." Louise McConnell, actor, Red Management.
"The photos we got together are brilliant and have got me some great auditions as well as a couple of job offers without even needing to audition." Edward Day, actor, Mahoney Bannon Assocs.
"Couldn't be happier with my new headshots. I highly recommend Michael for his friendly, relaxed and efficient approach to getting the best out of the session and really delivering some outstanding results." Alex Gaumond, actor, BWH Agency (Trunchbull, MATILDA THE MUSICAL, The RSC, LEGALLY BLONDE, Savoy, SWEENEY TODD).
"Just thought I'd drop you a quick email to say thank you. I'm now signed to International Artists Management because my headshots 'stood out' when I emailed them and my agent absolutely loves them. Plus I'm in an advert for Ministry of Sound!" Nicholas Bourne, actor (International Artists Management).
"Hey Michael, thought I'd drop you a little message to say thank you again: nearly a year on from having my headshots done and they really have and are continuing to serve me really well, and have been complimented by a lot of people and agents I've met with! So thank you again and I continue to recommend you to anyone I can!" Siobhan Diffin, actress (Arts Ed 3rd Year).
"Working with Michael was a total pleasure: he's a lovely bloke and the session was genuinely enjoyable. I've had decent photos before but rarely felt truly relaxed in the headshot situation, as I was here. We chatted away and gradually put together a pile of shots I'm chuffed with. Cheers Mike, I'll be back!"" Alistair Donegan (SHEPHERD MANAGEMENT).
"Cannot recommend Michael Wharley enough. Was slightly dreading have to have new photos done, but his professional chilled manner and experienced eye made the whole thing really fun and had such a brilliant choice of beautiful prints at the end of it. He seems to have been picking up lots of awards recently so I would get in quick whilst you still can!" Bruce MacKinnon, actor (United Agents).
"Michael's "philosophy" on the value of having a varied headshot portfolio really struck a chord with me. In an enjoyable and relaxed session, we worked together to produce a new selection of shots to cover the full breadth of my casting range." Katherine Press, actress (in Poliakoff's 'Dancing on the Ege, on BBC2), with United Agents
"Michael Wharley is an excellent choice of photographer for anybody wanting a truly professional headshot portfolio. He has an acute ability to get to the heart of your casting range and will bring out all aspects of it." Robert Harding, Actor, with Starling Management
"The agents are very pleased with the photos, as am I, and were thrilled at the amount of choice, commenting that you had managed to capture aspects that few photographers achieve" Mark Hadfield, 'Wallander' actor, with Curtis Brown.
"I am so happy with Michael's shots. I normally find a headshot session terrifying but he made me feel very relaxed and gave me the natural shots I wanted. I honestly can't recommend him enough." Gillian MacGregor, Actress with JPA Management
I don't know why I get so nervous when I do my own shots, but you certainly put me at my ease. I've had a look through, and they're great. I can see a good dozen that I am particularly thrilled with to represent me. And my agents are delighted too." Brett Fancy, Actor, with Felix De Wolfe
"Michael Wharley is an absolute joy to work with. It was my first professional headshot session and Michael made me feel extremely at ease through his unique blend of 'friendly-relaxed' and 'efficient professional'! The perpetual tea helped, but I think Michael's experience as an actor himself gives him an insight into how to keep you relaxed, and simply focused on creating some great work together" Fred Stewart, 3rd year student, RADA.
"I wanted to say that you, my friend, rock. Yep. Thanks to your headshots, I am not only on Spotlight, but my first audition is for the lead role in a movie. I kid you not. So, I want to give you a huge thank you for my stand out headshots."
Sarah Rose, Actress.
"Quality headshots that me and my agent love, and a totally unpretentious, relaxed session – thanks Michael"
George Wood, Actor, with Felix De Wolfe
"I was very impressed with my session with Michael. He listened to what I wanted from the session, gave advice on my casting and talked with me about the variety of looks I wanted. I was extremely happy with the range of shots we took and think they have contributed to the casting calls I have obtained since."
Nicole Anderson, Actress with JAM Agency
"I never used to get commercial castings but since having your headshots, I've got two of them in a week"
Zoot Lynam, Actor with PRINCIPAL ARTISTES
"I am not normally a fan of headshots, but Michael has completely changed my view! My session was so fun, relaxing and productive. It was an absolute pleasure, I recommend him to anyone."
Elizabeth Twells, actress with The Tennyson Agency
"Thankyou so much for a lovely session, the results were fantastic which is why it's taken me so long to choose!"
Natalie Woodward, graduating actress Middlesex University.
"Michael helps you to relax…He works to create as natural a photograph as possible, which will also capture something of your characteristics. It was a lovely session."
Cate Myddleton-Evans, graduating East 15 actress.
"Thanks for a really relaxed and enjoyable photo session, Mike. Your ideas for set-ups were spot on and so many of the different looks we created could be useable in the future. It was hard to make the final selection with so many good shots, but I now have a smart, up-to-date portfolio on Spotlight! I would definitely recommend you to other actors!"
Nicholas J. Rose, Actor with CAM.
"It's brilliant to have a whole bunch of brand new images displaying such a massive range, I am really happy."
Charlie Sanderson, Actress with IML
"Good photos and a caring photographer who makes you feel your best. What more can you ask, especially if like me you're an actor who HATES having their photos done?! Would have written this testimonial before but I've been shooting a feature film abroad – courtesy of one of Michael's photos! Thanks Michael! So glad I came back to you – and so's my agent!
Jane Goddard, Actress, with Collis Management
"Michael was great – friendly, informative, and committed to finding the right shot for you. Both money and time well spent."
Lauren Nicole Cooney,graduating Actress Cambridge and Ecole Phillipe Gaullier student.
"Thanks for such a relaxed and fun photo shoot. I'm really struggling to pick my headshot, I have about five favourites!"
Brooke Colman, Actress
"Really enjoyed my session. Very relaxed yet productive and I've now got some perfect shots."
Zack Wycherley, graduating actor, East 15 drama school.
"Excellent photographer with a very friendly and professional manner."
Christopher Adams, Actor.
"I've used several different photographers and haven't been any where near as pleased with the outcome as I have been this time round. Michael is a wonderfully open and friendly person who clearly loves people and taking photos. Two excellent attributes for a headshot photographer! He made me feel immediately at ease. Cups of tea, music and plenty of beautifying and face arranging facilities (always good for the female contingent). He invested time, care and enthusiasm, so I now have a variety of headshots, all of which I genuinely like for once. They are flattering and truly reflect me, as you get me.
Lucy Grattan, Actress, with Arena Personal Management
"Just to say how great I think the headshots are that you took of me, I'm really pleased with the variety of looks that you were able to get during the session, and that I think you've struck a fantastic balance of headshots that look like I look in real life but show me to my best adavantage too! I think you're wonderfully professional, but also very relaxed and know exactly what actors are looking for. I thoroughly enjoyed the session and I'd recommend you without hesitation to anyone looking for new headshots."
Alex Scott Fairley, Actor with VSA.
"Had my 2009 Spotlight Headshots done with Michael. Extremely pleased with the results. Wonderful shots from an experienced professional. Never felt rushed and felt it was really well priced."
Owyn Stephens, Actor, with David Padbury Associates
"A really relaxed day, Michael made me feel relaxed in front of the camera and continued to show me the progress of the images throughout. This made me feel that I was also in control of how my headshots could look. The result was great natural headshots which both me and my agent still love. Would definitely use Michael in the future."
Chris Dennis, Actor, with Felix de Wolfe
"Michael is completely dedicated to his craft. Extra time is taken to discuss what it is you wish to achieve from the session thus making you relaxed and at ease."
William Owen, Actor, with P B J MANAGEMENT
"Michael Wharley took my headshots for Spotlight last year and they were fantastic…he gives you the confidence to relax and enjoy the session. I would recommend him without hesitation."
Madalyn Morgan, Broadcaster and Actress.


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Hi Alice,
I suffer from overeating constantly and binge eating. I've gained a considerable amount of weight and have tried to get my eating under control as a result, but when I try to stick to a diet, all I think about is food. I can't stop thinking about food until I eat something; when I try to ignore it, the urge doesn't go away. It's hard to think about anything else, so I usually give in. I feel out of control, like food controls my life, and like I'll never get my weight down to a weight I'm comfortable with. I don't have health insurance, so I can't get psychotherapy. How can I get my eating under control? Do you know of any free accessible resources I can use like books or websites that would be helpful?
Dear Reader,
The situation you describe is, unfortunately, all too common. That is to say, you are most definitely not alone in your feelings of not being in control and having the sense that food controls your life. Disordered eating, including binge eating disorder, is an issue that affects approximately 20 million women and 10 million men at some point during their lives. While there are a number of helpful online resources that can help, it's highly recommended that you consult with a mental health professional about treatment. Fortunately, there are several reduced-cost treatment options you can take advantage of to help you on your road to recovery.
Let's start with the online resources. The National Eating Disorder Association (NEDA) has a wealth of resources for people who struggle with eating disorders. Beyond the information on their website, the NEDA runs an Information and Referral Helpline through which you can connect with staff members who can help you find treatment programs, support groups, and other information specific to your situation. NEDA also allows you to search for treatment services with sliding scale payment options and runs an interactive website just for teens.
Other affordable options for treatment are training institutes accredited by the American Psychoanalytic Association. These institutes allow people to receive psychotherapy from therapists in training. This treatment comes with a low price tag, sometimes only $10 to $15 per session, or is priced on a sliding scale basis.
As far as the issue of weight gain goes, working with a professional, in addition to figuring out the underlying reasons behind your overeating, will help you become more comfortable with your body. Restrictive dieting is usually not the best approach, as it can be an unhealthy and ineffective method of losing weight. Finally, eating healthfully, exercising regularly, and getting enough sleep are great first steps and will positively complement other treatments such as therapy.
Hope this is helpful,Alice!


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Windsor's Poet Laureate Marty Gervais has launched a new reading series to help cultivate and showcase the arts in Windsor Ontario. On March 3rd, Canadian Parliamentary Poet Laureate George Elliott Clarke will be presenting his poetry alongside music from Allison Brown and Mark Crampsie. Windsor poets Christina Angeli and Peter Hrastovec will be joining them for an evening of culture and entertainment.
The event occurs on March 3rd at 7:30pm at the Atelier Virginianne, 1078 Droulliard rd, Windsor Ont. Tickets are $10 at the door. We hope to see you there.


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Long Lasting Itch Relief
Posted by Merry Richon on Aug 18, 2014
BTW I have used a ton of Kiss My Itch Goodbye® this summer. Being outside a lot plays havoc with my arms and legs and neck. So thanks for the cream!
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Quick Links
FOR IMMEDIATE RELEASE Contact: John Gillis
INDIANAPOLIS, IN (March 12, 2018) —LaFrancis Davis, the director of bands at Montgomery's Carver High School, has been selected as the 2018 Section 3 recipient of the "National High School Heart of the Arts Award" by the National Federation of State High School Associations (NFHS). Cecelia Egan of Riverside (Rhode Island) St. Mary Academy-Bay View has been selected the 2018 national recipient of the "National High School Heart of the Arts Award" by the National Federation of State High School Associations (NFHS).
Davis will be recognized at the AHSAA Summer Conference Championship Coaches banquet on Friday night, July 20 at the Montgomery Renaissance Hotel and Convention Center.
The National High School Heart of the Arts Award was created by the NFHS to recognize those individuals who exemplify the ideals of the positive heart of the arts that represent the core mission of education-based activities. This is the fifth year that the National High School Heart of the Arts Award has been offered. Eight
Ever since he was a student at Slocomb High School, Davis has had a passion for music. However, he was also a tremendous athlete who excelled in football, basketball, baseball and track. As such, he often faced schedule conflicts between athletics and performing arts.
By the time he was a junior, Davis had developed into a very talented all-around athlete who emerged as one of the state's best football running backs. Band director Debra Lynn Long encouraged Davis to keep playing football and to keep playing the trumpet. He would often gain several yards in the first half of a football game and then march in his football uniform in the Marching Red Top Band before returning to the backfield in the second half.
When Davis prepared to graduate, several college football programs vied for his services. While Davis really wanted to play college football, he also wanted to major in music. He chose to attend Alabama A&M University, which had an outstanding music program.
After graduation, he served in the U.S. Army for 10 years. After that, he was persuaded to become band director at Coffee Springs High School. After resurrecting a struggling program there, he moved to Geneva County High School. He had two more stops along the way before landing at Carver, where he encourages his students to not just "… love all music, but to love playing the music and singing the songs even more."
He rejuvenated Carver's struggling band program from less than 60 members to now more than 150. He also started a band program at its feeder middle school that now nearly 100 students involved as well.
Older Archives 2008-2014


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Business Timeline 1984 – 2002
The first 18 years of my life became the foundation of becoming the Entrepreneur. I was born in 19 July 1984 in Singapore living at Singapore together with my sister. We lived in a small town whereby most of the flat are on government rental in the early days of Singapore during my parent time. I can't remember how much is the rental but we lived just a few blocks away from our grandparents. It was a one room rental flat with a very small living room, a bed room, kitchen and toilet. After schools we usually go to our grandparents house and wait for our parents to comeback and fetch us. My parents work very hard just to support us, my entrepreneur spirit actually came from my mum, as a food stall owner she always tried to change the strategy in order to sell more. I always go to her stall and sit down to see how she run the business. An experience i will never forget till today.
From young i was a small size underweight boy and always keep things to myself. I was very quiet guy in school and doesn't talk much. I don't social much with my friend but i was into computer game a lot during the primary and secondary school.
My first experience with the internet was actually email ! My UK English teacher when i was in the secondary school helped me to create it and my first username was firstname.lastname@example.com ! so cool right my email address? It was then i fall in love with computer, soon i begin to use search engine like Yahoo ( during that time Yahoo was the most popular) to search for strategy guide for my games. My family could not afford a computer for me, usually after school i will stay back and go to my school computer club to use the computer.
My first computer was Pentium 3 667mhz 128 RAM Dell computer, the computer look something like below. This computer was actually given by my cousin mum ! It was a gift from her and it cost more than $2000 ( if i remember correctly) It was running windows 95… I WAS SO HAPPY ! The journey to become an entrepreneur began !
Having my own computer was a freaking cool thing in my life during that time, but the trouble come when i am facing some technical problem. I don't know what is reformating, installing windows , command prompt etc. I was very frustrated with myself. I started to learn myself example installing windows, reformat hard disk etc. Soon i am able to manage myself with hardware and windows! Then soon we had this dial up modem to connect to the world of internet ! It was the most the amazing thing in my life, I still remember at that moment of time the speed was56 kbps.
I begin to search for a lot of things using the Yahoo search, game guide, hack, gameshark code and many more. I went for courses to build website using front page, Dreamweaver and Photoshop. My first website was using the geocities hosting and build using front page. That is how i got started with my web development skill. With the internet i can get to do a lot of things at home, surfing the web, chatting with people using ICQ and MIRC.
During my secondary 3, my dearest grandma pass away. She was the one who took care of me most of the time during my first 18 years of life. I was very sad and quite lost.
It was during secondary 4, i started to fail my exam, having my first relationship (a bad experience). My life was computer and gaming, i can sit in front the computer for the whole day without eating much. Then during the GCE O LEVEL i failed. I was the only person in my family that failed that exam badly. I could not get in to Singapore Polytechnic to further my study, all my friends are going ! I screw up my life and hate myself. This was how my first 18 years of life turn up, i began to feel the first failure in life that is failing my GCE O level. Lost and unsure where to go next when everybody are going to high school. I was the only one that going to different direction.
To be continue


text: So i got this phone 2 days ago and have been loving it. Today, a couple of times, the backlight on my screen stops working. I can see the screen if I hold it under a light and navigate like that, but the screen isn't lighting up. I pull the battery and it works fine, then a while later same thing happens. Should I return it to the store because this is hardware? Or is this a software glitch? Thanks EDIT: So it happened again, and this time when I pressed the bottom right button (magnifying glass) the light came on. Now I thought i pushed all the buttons before but maybe I didn't. Is this perhaps an energy saving feature and I'm and idiot?


text: Share Use Attic Fans By Cassel Home Comfort | March 12, 2013 Attic ventilation fans can remove unwanted hot air that accumulates in your attic. This can go a long way to help the efficiency and life expectancy of your heating and air conditioning equipment. Categories: Save Energy March 27, 2018


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Portacaths are also called ports because they are portals to facilitate intravenous access in patients who require regular intravenous treatment by chemotherapy, antibiotic or antiviral treatment or blood products. They are also used for patients who require frequent blood tests or blood cleansing such as dialysis patients. A catheter is inserted into a vein, usually near the clavicle in the chest area.
The Reasons for flushing
Needles or IV-drips can be attached to the assembly anytime medication needs to be delivered or blood needs to be drawn. This makes the process much more convenient for prolonged treatment since the patient does not need to be stuck with a needle each time. However, the assembly is subject to clogging and must be kept clear in order to continue to be of service. This requires regular portacath flushing to keep blood clots from forming and occluding the catheter or external port. Patients receiving care on an outpatient basis or executing the IV-drip treatments at home must return for regular monitoring of the port. The flushing procedure, however, can be accomplished at home by the patient or a family member when properly trained.
How is it done?
The first step in proper portacath flushing involves sanitizing the area with antiseptic. It is necessary because patients with portacaths are very ill and usually suffer some impairment of the immune system. A small amount of blood is drawn and discarded first to verify the assembly is in working order. Then a saline solution is injected to to clear the line and catheter. Then a heparin saline solution is injected. This is the compound that prevents clots from forming.
The procedure should be followed before any treatment and portacath flushing with saline solution should follow treatment to ensure all medication reaches the blood stream. Heparin solution should not be used more often than twice in a 24-hour period. If multiple treatments are required in a short span of time, then an IV-drip of saline solution should be attached at a slow drip to keep the portal viable. Extension tubing can also be used with saline solution providing a counter to back-flow pressure, which will ensure the portal remains open and ready to use.
How often should it be done?
Periodic monitoring is needed to ensure the assembly remains in good working order. A properly installed catheter that is maintained with proper portacath flushing technique can remain viable for years. If the device does become clogged, it must be removed and an alternative method of medication delivery or blood withdrawal must be instituted until the device is surgically replaced, if medical personnel decide that is the best course of action. The procedure can be performed on an outpatient basis under local anesthetic.
When not in use, portacath flushing is required at least once a month. If the times between use are much greater than this, then the assembly should be removed. Portacaths make intravenous access simple enough for the patient or a family member to administer medication at home. It also facilitates access at hospitals or clinics for medical personnel and relieves patients from the pain and trauma of frequent needle injections.
Portacath Complications
Learn more about Portacath Complications.


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- For Students
- Career-related Activities / Events
- Guidance for Students
- Legal Careers Directory / Other Resources
- Job Openings
- Postgraduate Studies Opportunities / Scholarships
- Other Announcements
- For Employers
The Faculty values its relationships with the legal profession, the government and other sectors in the community. We hope the information provided in this section will help you better understand how our law students may be able to contribute to your needs.
The Faculty has a strong team of experienced academic staff from many jurisdictions providing innovative and student-centred teaching. Our academic programmes are well-structured and have been designed following close consultation with prominent academics and senior members of the legal profession. Our students are strongly grounded in the core legal subject areas and many develop specialties during the course of their legal studies. Our graduates are well prepared to meet the challenges in the evolving local and international economy.
Learn more about our academic programmes here!
The Faculty attracts local and overseas students of very high calibre who study in our rigorous academic programmes as well as participate in our wide range of student activities, internships, exchanges and mooting competitions. This combination of study and other experiences best equips our students for the challenges that lie ahead.
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Enhancing Food Security in Africa Through Implementing the Trade Facilitation Agreement
Trade-related barriers constitute one of the major causes of food insecurity in Africa. How can the WTO's Trade Facilitation Agreement help facilitate agricultural trade and improve food security on the continent?
Trade in agriculture is remarkably low in most African economies compared to the sector's contribution to their GDP. The less-developed-yet-complex agricultural supply chains in the region are also challenged by intricate and burdensome import and export procedures. This exacerbates food insecurity in Africa. By ensuring simple and efficient trade in agriculture, the WTO's Trade Facilitation Agreement (TFA) may provide a solution for enhanced food security on the continent.
As per the UN Food and Agriculture Organization's (FAO) definition, "food security exists when all people, at all times, have physical, social and economic access to sufficient, safe and nutritious food which meets their dietary needs and food preferences for an active and healthy life." This could be expressed through the four pillars of food security: (1) availability, (2) access, (3) utilisation, and (4) stability.
Food Security is a serious challenge in many African countries. According to the FAO-IFAD-WFP State of Food Insecurity in the World 2015 report, 232 million of Africans were still undernourished during the 2014-16 period, which corresponds to 20 percent of the continent's population, compared to the 10.9 percent global average and 12.9 average in developing countries.
How can the TFA help improve food security in Africa?
In Africa, one of the main causes of food insecurity, in addition to regional/domestic production constraints and resource scarcity, is the lack of cost-effective and timely availability of food products from international markets. Imports are costly due to the high cost of trade. Higher trade and transaction costs stem from cumbersome regulatory procedures, both at the export and import level, as well as from the uncertainty at destination border points due to a number of non-tariff measures (NTMs) that may require a last-minute application of various standards and, at times, be nearly impossible to comply with by the exporters and importers.
The 2030 Agenda for Sustainable Development clearly asserts a collective responsibility to fully achieve the Sustainable Development Goal 2, which aims to end hunger and all forms of malnutrition by the year 2030. It also commits to the provision of universal access to safe, nutritious and sufficient food all year round. This will require sustainable food production systems, resilient agricultural practices, equal access to land, technology and markets, and international cooperation on investments in infrastructure and technology to boost agricultural productivity. In doing so, the global community needs to focus on Africa, where the prevalence of hunger is more acute, high in proportion, and the recovery potential is low due to a lack of resources and related endowments.
Most African countries do not have food self-sufficiency, thus imports are essential to feed their ever-growing populations. It should also be noted that intra-regional trade is very low in Africa, particularly in the agriculture sector, which is often attributed to the complexity of trading and logistics with neighbouring countries. Agricultural supply chains can be extremely complex and fragmented, particularly in African countries. This is due to multiple factors, most of which could be addressed through the implementation of the WTO's TFA. Following is a brief overview of the TFA could help tackle these various challenges.
Addressing the challenges at borders and customs would greatly help in enhancing food security in Africa. In addition to the aforementioned specific results, there are certain systemic implications of implementing the TFA that would help enhance food security in Africa.
First and foremost, like in all other sectors, increasing the efficiency of logistics (which is a hallmark of the TFA) would result in gains for agriculture and food trade that, in turn, would contribute towards improving food security. Efficient transport and logistics systems, with improved ports and borders connectivity, increases the economic size of markets, which often result in competitive prices. As per estimates of the WTO Secretariat, full implementation of the TFA could result in a reduction of trade costs ranging from 9.6 to 23.1 percent. With an expected average drop of 16.5 percent, Africa is the region that would benefit the most from this reduction.[1]
Secondly, in the particular case of Africa, the access pillar of food security is jeopardised due to low income levels and prevailing poverty on the one hand, and food price volatility and stockpiling on the other. The rent-seeking behaviour of food traders in many countries would be mitigated through the increased availability and competitive prices of food items resulting from the implementation the TFA.
Thirdly, with the enhanced level of information sharing and transparency required by the TFA, there would be less opportunities for red-tape in regulatory and trade administrations. It would allow many new traders, particularly small-scale ones, to enter the international trade of agriculture products, thus contributing to regional food security.
Fourthly, due to the establishment of national trade facilitation committees under the TFA, the public-private interaction would result in better collaboration, particularly in the area of agriculture, leading to a more enabling trading environment.
The TFA's contribution to the four pillars of food security
The link between trade and food security has been discussed in FAO's The State of Agriculture Commodity Markets 2015-16. It was observed that while the effect of trade on enhancing food security is contextual, there is a body of evidence that establishes positive contributions of trade in enhancing food security. The very core function of the TFA is to make trade simpler and easier, thus strengthening the ability of businesses and countries to trade and leading to increased volumes of trade. As a result, the TFA would also contribute to improved food security. As Africa ranks particularly low on food production and relies heavily on imports, these positive effects of the TFA would be proportionally higher on the continent than in other food-insecure regions and countries. Following is a summary of how the TFA could help strengthen the four pillars of the food security in Africa.
By expediting the import and export of goods, especially goods in transit, countries would ensure reliable options to source food from external markets whenever and wherever needed. In the case of Africa, most states are net food importing countries, with huge untapped potential for intra-regional agricultural trade. By promoting expedited and simple import and export, the TFA would enable the region to fully harness the potential of intra-African trade and ensure timely food procurement from external markets whenever required. This would also result in facilitating the establishment of regional agricultural supply and value chains.
The implementation of the TFA would reduce transaction costs and, potentially, ensure consistent food supplies while avoiding supply gaps. This would result in relatively lower prices thus improving access and affordability.
Trade, in general, increases the variety of food products available in domestic markets by adding to the options offered by national production. By addressing bottlenecks at borders and harmonising the application of food-related standards, the implementation of the TFA would thus improve the nutrition mix available in African markets. Presently, a lot of food items may not be imported due to a lack of knowledge and the arbitrary application of sanitary and phyto-sanitary standards, which may result in the loss of perishable products at border check-points. The TFA provisions addresses such concerns through its provisions related to advance rulings, e-certifications, and the expedited clearance of perishable items.
The lack of stability in food supplies is a very serious concern in many African countries, particularly given the context of natural disasters, protracted crises, and situations of drought or famine in some of the continent's sub-regions. The stability dimension of food security depends on the availability of food in the first place, but more importantly it requires the ability to fill food gaps in a timely manner. By ensuring efficiency in international trade and reducing the time taken to export and import, the TFA would help ensure that food can be supplied constantly, efficiently, and in a timely manner whenever and wherever needed.
One implementation: Two outcomes
By addressing trade inefficiencies at various stages and reducing bottlenecks at borders, it is possible to significantly increase the sustainability and reliability of agricultural supply chains in Africa, which would help ensure sustainable food security on the continent.
After its ratification by the required number of member states, the WTO's TFA has come into force and the implementation efforts are in progress. Longer implementation timelines, coupled with the availability of technical assistance, will allow African countries to adopt and implement the required legislative, regulatory, and functional instruments in a way that is in-line with their specific needs. Implementing these commitments would, in turn, make agricultural trade easier and contribute to improving food security on the continent. For these positive results to materialise, it is essential for African countries to put measures that increase the efficiency and simplicity of at-the-border processes at the centre of their priorities, in order to expedite food and agriculture imports and exports. The importance of before and beyond-the-border regulatory infrastructure should not, however, be underestimated, as they also play a key role in providing an enabling environment for food trade.
It is perfectly legitimate to be cautious about agricultural trade, in particular as regards safety standards. Nonetheless, turning a blind eye and having a lacklustre attitude about the potential of trade to ensure reliable food supplies to vulnerable populations may fall short of jurisdictional and ethical legitimacy, despite the fact that maintaining a margin of policy space is also important. The implementation of the WTO's TFA is a significant opportunity to put in place measures that would improve food security at national and regional levels in Africa, while keeping the required policy space and applying legitimate safety standards.
The views expressed in this article are of author's own and do not necessarily represent the views of the FAO or any of its Committees/Bodies.
Author: Ahmad Mukhtar, Economist, Trade and Food Security, Food and Agriculture Organization of the United Nations.
[1] WTO. World Trade Report 2015. Geneva: WTO, 2015.


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A glittering winter tale
Scottish Ballet's 50th year will come to a spectacular close with the world premiere of The Snow Queen. Inspired by Hans Christian Andersen's much-loved tale – which was also the basis for Frozen – this glittering new production will be set to the music of Rimsky-Korsakov, performed live by the Scottish Ballet Orchestra.
Choreographed by Christopher Hampson and designed by the award-winning Lez Brotherston, this story of love and friendship is sure to delight the whole family.
While we take every opportunity to ensure the details for Christmas 2O19: Scottish Ballet The Snow Queen are accurate, we always advise that you contact the event organiser before setting out for the event to avoid disapointment. All information (whether in text or photographs) is given in good faith but should not be relied upon as being a statement of representation or fact.
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My friends are upset with me that I broke up with my boyfriend of two years and am already moving fast in my new relationship. They are trying to warn me that I'm just on the rebound but I think I have met my soul mate. Should I be worried that this won't last since we met so soon after my breakup?
Ahhhhh, well-meaning friends. Remind them of their negativity when you and your new boyfriend are married ten years with two kids, OR, be prepared to have them tell you "I told you so" when this relationship breaks up in a couple months. What I'm trying to say here is that there are no guarantees where relationships are concerned. I've been known to say that all relationships are a "crapshoot".
n. Slang: A risky enterprise.
n. Informal: An unpredictable venture; gamble.
I don't mean to sound so cynical, but there are no guarantees in relationships just as there are no sure bets in life.
Alas, there is no clear research on the success or failure of rebound relationships, which are defined as those quickly, entered in to after a divorce or long term relationship. But one thing is clear, popular sentiment is that rebound relationships are doomed to fail. Will they? Not necessarily. While there are no hard fast rules on whether to wait or not before getting back in to a relationship, signs that you may want to wait would include: feeling like you can't be alone; being willing to settle for someone who's not good for you but good enough for right now; or your rebound relationship is your way of self medicating from your last breakup. Listen to my podcast on rebound relationships to help you sort this out, but go ahead and follow your heart for now. Maybe your crapshoot, roll of the dice, will be a big winner for you this time around!
Embrace your Personal Power with Life Coaching~
• What are the strengths of this new relationship you're in?
• What are the areas, if any, for concern?
• How will you know if you're with Mr. Right versus Mr. Right Now?


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09 October 2014
History Scotland blogger Neil McLennan asks whether computer games and films are presenting an over simplified or false representation of the past. ...
History Scotland blogger Neil McLennan asks whether computer games and films are presenting an over simplified or false representation of the past.
This spring and summer I was lucky enough to spend time in three separate historical activities which helped to reawaken my passion in areas of history I have not looked at for some time, and also to spark a reappraisal of how we best engage with the past and how we get others to engage actively with the past.
In today's world we need to be even smarter in how we take people on a journey with history that interests, informs and inspires them to be not just aware but also awoken by what Professor Tom Devine referred to as 'the Queen of Disciplines'.
There are many distractions in the world today, some of which history could and does harness, but many others which take away attention from our history and heritage and in fact erode the purity of the subject when they are coupled with it.
The main point of entry for many, if not most of us, has been through printed matter - be it magazines, books, historical fiction or a fascination with printed matter from the past. That medium is slowly losing its appeal for some and we need to think about how we re-engage people with it and what other entry points we can use to help people link up with the past. Too quickly computer games and film matter are painting inaccurate pictures of the past and are not actively engaging the learner in higher order thinking skills about the past. Films, and I am sure computer games, can provoke an interest, but all too often they are also creating passive recipients of low level information which in many cases is false or a misrepresentation of the past.
The other main focal point for people wanting to link up with our past is through our museums and history and heritage centres. These need to be on the front line of engaging the public actively with the past and sparking the next generation of historical thinkers. My three history experiences left me with mixed views on this being possible.
During the spring of this year I visited one of the newer ones, the reopened Bannockburn Centre which focuses on the Battle of 1314. I went with an open mind, reminded of the positive experiences my S1 class had on visiting the old centre and the enthusiasm it sparked in one particular student who almost missed the bus home as a result of his fervour! In my opinion, the centre had played into the hands of the video game culture and had tried to engage via this and this only.
Whilst the war game itself offered learners a chance to really think, it also confused some, who left thinking that Edward I of England had secured victory at the famous battle. The final 3D video at the end was largely ignored by students whose focus had mainly been on the interactive war game. There was little other opportunity for active learning and thinking, with pre and post video's didactic and the hologram figures of the past also non-engaging apart from the motion sensors to kick start a one way conversation with them.
On a trip to Shetland, my confidence in history centres and museums to act as a positive entry point for finding out about the past was renewed. The Scalloway Museum 'lit the fire' in me. The set-up of the museum from local issues and early times to more recent history and global history via the Shetland Bus story was organised and effective.
Moreover, the ability of the museum to engage all age ranges was clear to see.
In particular the emphasis on early years activities at the end of the centre was a joy to witness. Seeing youngster engaging in costumes and items from Neolithic man to Victorian era was great to see.
My final touchstone with the past was in the last two weeks when I was on a walk in East Lothian. Coming along the John Muir Walk into Dirleton, my fiancé and I were delighted to stumble upon an archaeological dig. The local history group was working with council archaeologists and most importantly young people.
On speaking with some of the dig leaders we were quickly directed to the youngsters themselves who were ably equipped to give an overview of the activity ongoing and the history behind the areas whilst offering some insights to the artefacts found at the site. Truly amazing history and learning.
So what has been the common denominator through all of this? The answer - People. A bit like 'People Make Glasgow'….. 'People Make History'.
The friendly, engaging staff at the Bannockburn Centre and volunteers at the Scalloway Museum coupled with the volunteers staff who had clearly lit a spark in the young tour guides at the archaeological dig.
And so how do we square the conundrum of getting people engaged with books and historical sources? The key is as simple as history itself. History is about a jigsaw puzzle of evidence and learning is a jigsaw puzzle of inputs, interactions and lightbulb moments. Everyone has something to offer and our heritage centres and museums are key to this as long as they embrace that philosophy of a mixed economy of learning.
Neil McLennan is an educator, writer and former president of the Scottish Association of Teachers of History.


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Listed below are answers to some frequently asked questions.
Q – What days of the week/hours of the day do you work?
A – I am available to provide driving lessons 7 days a week. I work mornings, afternoons and evenings and am generally available for lessons that start from 9am (with daytime slots that start at 9am, 11 or 11:30am, 1pm, 1:30pm or 2pm). During spring and summer months, I offer evening lessons (that start at 6:30pm or 7pm). During the autumn and winter months, I reserve evening sessions for people who want/need experience of driving in the dark.
Q – How much do you charge?
A – This depends on whether you are planning to pay as you go (PAYG) or purchase a block of lessons in advance. Details of current lesson prices are outlined on this website but do also look out for any current special offers.
Q – Do you provide lessons in an automatic car?
A – While I am trained to provide tuition in either an automatic or a manual car, I currently do not have access to an automatic car (for training purposes). However, depending on your reason for wanting to learn in an automatic, it may be worthwhile considering having a Taster Session in a manual car first, before making that decision.
Q – Do you offer intensive courses?
A – Depending on my availability, I do offer semi-intensive lessons.
Q – I have a full EU driving licence but would like some experience on UK roads.
A – I am happy to discuss your requirements in more detail and tailor a session to meet your needs.
Q – I have a non EU driving licence and would like some experience on UK roads or would like to prepare for a UK test.
A – I would recommend booking an Trial Lesson, where we can discuss your requirements in more detail once I have had the opportunity to see you drive. However, I do not provide this session for people who have already booked a test.
Q – Can I meet you before deciding to appoint you as my driving instructor?
A – I very much welcome the opportunity to meet to discuss your requirements in more detail. Subject to my availability, I offer a FREE introductory meeting (for brand new learners) or a FREE Consultation (for learners with some previous experience) and a reduced price initial session (Taster Session or Trial Lesson) depending on your circumstances.
Q – How many lessons will I need before I am ready to take my test?
A – This is one of the most common questions I get asked and is probably best assessed after your first few driving lessons. There are number of factors involved such as how quickly you learn (people learn at different paces), the amount of previous experience you have as a road user, your age, as well as the frequency and duration of driving lessons and the amount of practising you have done between those lessons. However, the national average (for people who are able to practise between lessons) is for 45 hours of tuition (which works out as 22 x 2 hour lessons plus an hour before the test) with 22 hours of private practice (Driving Standards Agency statistics, 2006). Obviously this is an average so some people will need less and some people will need more. The best indication of whether you are ready to take your test is the amount of help and guidance you need on lessons. If you find that on your lessons that I am simply giving your directions, (telling you where to go, rather than how to do it), then you are probably ready to take your test.
Q – My driving instructor is unavailable for my driving test. Can I use your car?
A- I should start by highlighting that I would never allow my car to be used for a test by someone I'd never met before the day of the test (unless I personally knew the instructor concerned) and only allow my car to be used on a test by learners who have had regular lessons with me prior to booking a test. However, I am happy to provide a mock test at least a week before your test so that you can be independently assessed that you are ready for your test. The mock test will conclude with some honest and constructive feedback. Please note that a mock test is provided without any obligation for further lessons or the use of my car on the test.
Q – What is your pass rate?
A. I perform a review of the results of tests periodically and publish a summarised view on an annual basis. For the most recent publication, please see my latest results.
Q – How do I pay?
A – I prefer payments by bank transfer (payable in advance of the lesson) but can accept cash payment in the car on the day of the lesson if you prefer to pay in cash.
Q – I'd like to take advantage of a discounted price for a block booking of driving lessons. Can I have one or two lessons first, before committing to booking a block of lessons?
A – That is fine. That is partly why I introduced the Taster Session or Trial Lesson, to allow you to decide if you'd like to purchase a block booking. Alternatively, if you simply wish to meet me before making a decision to appoint a driving instructor, I do offer a Free Introductory Meeting (for brand new learners) or a FREE Consultation (for learners with previous experience).
Q – What happens if your prices increase while I am learning to drive with you?
A – As detailed in the Terms of Business that you will be asked to accept, the price you pay for lessons will be agreed before you start your lessons with me. Once you have started lessons, your lesson prices will not increase for a period of 12 months (from the date of your first lesson with me), providing that you are taking regular lessons (with the exception of any agreed gaps e.g. due to holidays). However, if you decide to stop taking lessons for a while, the latest advertised price will apply when you resume lessons.
Q – What happens if I book a block of driving lessons from you and don't need them any more?
A – Please refer to the Terms of Business
Q – What should I do if I need to cancel a lesson and will I be charged?
A – Please refer to the Terms of Business
Q – Do you offer any support to help me prepare for my Theory Test?
A – I provide access to free online training. This not only allows my learners to study for the theory on any internet connected device but also allows me to track and monitor learning activity and progress.
If you are interested in booking your first driving lesson with me or to explore your requirements in more detail, please contact me using my contact form, by telephone or send me a message (text, WhatsApp or through Facebook) using any of the contact details at the bottom of this page.