This week a shorty but a goody! The boys discuss the new Taserface movie. FINALLY this stunning, multi-layered, complex but highly underused character from the 90's gets introduced to the film audience. Unfortunately it's mangled by the presence of other 'lesser' characters that just muddy the beautiful story that is Taserface. The steady rise of a beautiful soul in space to overtake his harsh, abusive and ineffective boss/father figure Yondu and his attempt to bring stability & success for his brothers in arms. But it goes horribly wrong. Marvel corporate &^%$ed it up AGAIN! Join us, won't you for…. TASERFACE!!!!!
Merk is off in convention-land this week, so Bry and Kyle make a very foolish decision: an entire episode focused solely on Dragon Ball. Dragon Ball News, a DBZ villain-centric Marry/Be-physically-intimate-with/Kill, a multiball of League of Baldos, and so much more.
Plus! Filling in for Merk is Bry's lovely wiiiiiife, Sheri Leviski-Kotyk! Your wish, is, uh-gur-anted.
Doodle Talk: What Do You Have Trouble With?
Introducing a new fill-in segment: a quick, loose, brief discussion over our own art. We're calling it Doodle Talk!
This week's doodle talk prompt: "what do you have trouble with?" From feet to consistency to keeping a schedule and technical difficulties, we get some stuff off of or chests and bare our souls. And our doodles.


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In Thomas Jefferson's imperial imagination, the trans-Appalachian West would be made American by geometry. The West's conquest (and conversion into real estate) was begun when Congress adopted Jefferson's scheme to lay over the disorderly wilderness his rigidly orthogonal grid of township and range. The Land Ordinance of 1785 called for subdividing federal land into square townships consisting of thirty-six one-square-mile sections, later defined by Congress as 640 acres each. The Homestead Act of 1862 extended the logic of this system to thousands of immigrant farmers west of the Mississippi by granting each head of household a quarter section (one-quarter of 640 acres, or 160 acres). A "forty" is forty acres, or one-sixteenth of a section. Sections in a township are numbered from east to west and then from west to east, turning back at the end of each row of six sections. This pattern is called boustrophedonic, meaning "turning like oxen in plowing." Roads, city and county limits, and private property lines in the West often follow the Jeffersonian grid. These section and township lines cross mountain ranges and deserts, blind to history and natural features. A geometric mindset on the part of eastern lawmakers is why so many western states have sharp corners.
— D. J. Waldie
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redpajama_set_name: RedPajamaCommonCrawl


Do you have a kitty? Our feline friends are adorable companions, friends, and, well, bosses. Fluffy certainly has a way of wrapping us around those cute little paws! Good food, clean litterboxes, and veterinary care are all very important to your kitty's health, but if you want to pamper your feline overlord, read on! A vet in Edison Park and surrounding areas offers some great ways to spoil your cat in this article.
It's no secret that kitties love their beauty rest. We know, Fluffy won't have much of an issue getting comfy on the couch or bed, but if you want to spoil her, give her a few cozy beds of her own. If you can put at least one of these in a spot that gets a lot of sunlight, you'll get extra purrs!
Fluffy may spend hours each day carefully grooming herself, but that doesn't mean she couldn't use a little help. Take time each day to brush your furball. This will remove dead fur and dander, which can help reduce hairballs. Offer praise, treats, and cuddles to activate the purr, or at least help keep your kitty relaxed.
Cats spend a rather exorbitant amount of time sleeping, but when Fluffy is actually awake, she'll probably be feeling a bit frisky. Get your furball moving with fun daily play sessions. The physical activity is very beneficial for kitties, and the thrill of pouncing and stalking toys also offers Fluffy mental stimulation. Her Furry Majesty may very well reward you by sleeping on top of you and purring!
Every year, there are more and more products made just to please our feline friends. You can spoil Fluffy with an automated laser pointer, robotic mice, kitty fountains, and DVDs made just for her to watch. You can even download some apps for your kitty to play with on your tablet.
We can't really suggest high-tech toys without mentioning the fact that sometimes Fluffy has more of a taste for simple things. Cardboard boxes, paper grocery bags, even crumpled up balls of paper can all be lots of fun for kitties to play with. And, of course, good old-fashioned catnip is still very popular with our feline pals.
Do you have questions about your cat's health or care? Call us, your vet clinic in Edison Park and surrounding areas, anytime!


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Fine gems and jewellery to dazzle at Hyderabad Fair
Posted on October 17, 2016 Author saheliTags and, at, dazzle, Fair, fine, Gems, Hyderabad, Jewellery, toCategories Jewellery
A wide spectrum of fine jewellery and loose gemstones, along with related products and services, will be presented at the 9th edition of Hyderabad Jewellery, Pearl and Gem Fair (HJF). The fair is scheduled for June 4 and 5 at the HICC, Novotel, Hitech City, Hyderabad.
The 2016 trade show will feature more than 150 exhibitors, including jewellery brands, wholesalers, retailers, importers, exporters, diamond and coloured gemstone suppliers and representatives from trade and government organisations. Victorian and antique jewellery collections, as well as pieces from the so-called Jewels of the Nizams, will be showcased by over 40 manufacturers from Hyderabad and surrounding regions.
HJF 2016, a key B2B international jewellery fair in South India, serves as a gateway to the Indian jewellery market, providing an effective platform for buyers and suppliers to connect, network, exchange ideas, discover upcoming trends and generate business opportunities. Notable exhibitors participating this year include Anmol Jewellers, Swaroop Jewellers, Meenakshi Jewellers, Lalit Jewellers, Inderlal balmukund Jewellers, Sri Balaji Jewellers, Siddi Vinayak Jewellers & Exporters, and P Mangatram Jewellers Pvt Ltd, among other companies. The fair is supported by jewellery associations from across South India, including the Hyderabad Jewellery Manufacturers Association (HJMA) and AP Gold Silver & Diamond Merchant Association.
Yogesh Mudras, managing director of trade fair organiser UBM India Pvt Ltd, commented, "Hyderabad Jewellery, Pearl and Gem Fair is an international trading platform enabling domestic and overseas jewellery, diamond, pearl and gemstone suppliers to meet both local and international buyers."
Hyderabad represents a growing number of South Indian manufacturing and retail markets, Mudras continued.
Mahender Kumar Tayal, president of HJMA, remarked, "It's an honour to work with UBM India. The Hyderabad Jewellery, Pearl and Gem Fair functions as a platform for retailers and wholesalers in Hyderabad to view a variety of jewellery, and also to connect and network with major suppliers in the industry. It is an important fair for the Telangana state, the 5th largest manufacturing hub in India and producer of gem-studded jewellery and Nakashi work."
Nitin Agarwal, partner of Meenakshi Jewellers, said, "We have been an integral part of the Hyderabad Jewellery, Pearl and Gem Fair for the last six years, and this year, we will be presenting our exclusive uncut polki diamond collection. We are happy to be in this fair every year and appreciate UBM for conceptualising and bringing together such a large number of manufacturers and traders closer to local jewellery retailers and wholesalers."
To be held on the sidelines of the HJF 2016 is the Telangana & AP Retail Jewellers Awards 2016, which honours the region's best jewellery retailers. Winners will be presented with a trophy and a certificate for their contribution to the industry. The awards ceremony will be followed by a fashion show to showcase the works of some of the industry's greatest talents.
HJF is one of the four-city jewellery shows – Kolkata, Chennai, Hyderabad and Delhi – hosted throughout the year by UBM India. Following its debut in 2008, the 8th edition of the HJF helped create the right business opportunities for the industry, with the fair attracting exhibitors from domestic and international markets, the trade show organiser said. The fair drew a large number of buyers and sellers. Visitor attendance in the 2016 edition is expected to exceed 5,000.
[Source:-JNA]
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Standing on Points: A Cultural History of Punctuation
A Research Blog
Signs of Resistance: Punctuation Politics in Nineteenth-Century Arabic
I recently introduced myself to an online editor as "a researcher of English literature in the UK, working on punctuation. Originally, this was a project on brackets in Renaissance writing, but I've been sucked into so many rabbit hole vortices of curious punctuation that I guess I should think of myself as a generalist now'.
And it's true. I've become obsessed with punctuation full stop (not sorry for punning). Any kind, from punctuation art to punctuation marks in chess, law, early emailing experiments, and raising street awareness (all blog entries that will be written!). I've been wondering about punctuation in other languages for a while, trying to gather information for a blog entry, but it's tricky to grapple with something as slippery as language when you don't speak that particular one. For example, there's no dash in Japanese punctuation (although it contains plenty of other "European-style" marks) – does that mean Japanese writers do not need it? If so, why? Because people don't tend to interrupt each other? Is there no dash because of a cultural premium placed on politeness and patience? I asked around on Twitter, and received a, shall we say, curt reply from a British researcher of Japanese. "No." I've become weary of putting my stereotype foot in.
The pitfalls are strewn far and wide. So, I've been on the reticent side when it comes to non-European-languages-punctuation, but perhaps I shouldn't be. Blogs are for testing out ideas after all. I've been quite keen on learning more about punctuation in semitic languages like Hebrew and Arabic, both compounded owing to their close relationship to holy books in those languages, a circumstance which should, however, not obscure the intrinsic oral nature of Judaism and Islam in their experience of worship and transmission. Holy punctuation (signs marking how to perform) is for another day. For now: secular Arabic.
Koranic "punctuation", to put it briefly, indicates pauses both for breath and meaning. Secular Arabic didn't use to have any signs at all, except for spaces between the words. In order to be able to understand, one had to read; and in order to read, one had to have extensive grammatical training. Arabic (I am told and know because I tried) is a difficult language, so add to this natural obstacle its status of language in which divine revelation occurred (and which hence shouldn't be, indeed needn't be, changed), and you have the perfect recipe for paralysis.
Until you're shocked into reforming through external circumstances in form of a global virus, or colonialism: French colonialising of the Maghreb brought not only political oppression, but also linguistic dominance, so much so that Arab writers and thinkers would publish and exchange with each other in French. People saw this as another kind of invasion, magnified by the slow ponderous nature of Arabic. Speaking of deceleration! I feel like that slow poring over sentences is part of desirable difficulty which encourages learning and retention (about which I have written here), but it's obvious that Arabic would be at a disadvantage if readers need to take time and have grammatical training as opposed to French which, owing to the segmentation of sense, and clarification of meaning and feeling provided by punctuation, any reader can make sense of quickly enough.
Author and journalist Zaynab Fawwaz, also writer of the first play in Arabic written by a woman.
In order to forestall the continuing spread of French as linguistic medium, Arab thinkers focussed on how to make Arabic easier – which is funny, in a way, as we're all super concerned nowadays about how (we think) our languages are becoming too easy, what with automatic word recognition programmes, orthography correction, and textese. The first to propose new punctuation-related developments for Arabic was the Lebanese writer Zaynab Fawwaz who, in an 1893 article in the Egyptian magazine al-Fata, advocates for taking over five signs from French punctuation: question and exclamation mark, colon, ellipsis, and (yesss!) brackets. These, she says, unlock the 'hidden meaning' of texts which is 'incommunicable by words' (translations & general information, see below). Fawwaz' ideas were picked up by another Egyptian journal, al-Nil, whose editor writes a whole book with punctuation suggestions, that is, original signs for original nuances of expression. If Arabic was to take over such a French-inspired practice that would have such profound effects on communication in Arabic at all, then at least it should be on Arabic's own terms.
Hossein al-Tuwayrani's signs didn't catch on, but, one imagines, not because of a resistance to punctuation or language reform in itself, but owing to their sheer volume (84 in total), and lack of clarity in terms of use. Al-Tuwayrani divided his signs into three categories, those guiding silent reading which segment sentences and translate emotion, those for tonality when reading aloud such as pauses, and those for body movement when holding a speech. As in the history and status of European punctuation, there's a double bind again between grammar and rhetoric, the eye/mind, and the ear. I find the last category, that of movement, particularly intriguing as it reminds me of that Roman orator ideal, with Cicero and Quintilian giving advice on how to move the fingers in a certain way, and indeed, al-Tuwayrani proposes to encode movements of the eyes, head, fingers, hands, arms, even feet in specific punctuation marks.
A selection of al-Tuwayrani's signs, via Awad.
Marks of tonality include pausing, chanting, volume, speed, trembling of the voice, breaking off, and carrying emotion – all recognizable to ancient Romans. What I found most striking, though, was the choice of silent reading marks, at times incredibly precise and particular as to what needed to be marked: there are signs to flag up the structure of a text, ranging from the overall connection to sentence links (marks signalling the beginning and ending of content or a phrase, a change of topic, or linked topics, strengthening an idea, or meditating over it – even a sign for a digression! Brackets, anyone?). There are signs for a writer's sort of meta-comment, that is, approbation, disapproval, or denial. Like hashtags. There are signs for quarrelling with the text, or another writer's idea that is being engaged with which are signs indicating a mistake, an exaggeration, a lack of reliability, calls for verification. There are signs which directly communicate with the imagined reader, as if there was an actual conversation happening: the 'sign for control to impose the writer's thought' and the 'sign to encourage the reader's own thought'. And then there are signs which I love but have no idea what they are supposed to mean, such as the sign for vulnerability.
As much as I like the idea of finding punctuation marks that are germane to the language they are entering, 84 signs seems to be a tad on the exaggerated end. Either Arabic really does need so many specific ways of engagement, or al-Tuwayrani's was a typical case of enthusiastic "bring it on!". It was eventually French punctuation marks and their values which prevailed, helped on by narrative books like ad-Dunya fi baris by Ahmad Zaki from 1914 who uses comma, colon, and Co. as we know it throughout his novel, but adds an introduction clarifying what the signs mean. He also advocated for punctuating old manuscripts in order to preserve knowledge, which rings a bell with any medieval punctuator of classical texts. Punctuation, as much as it means introducing and registering change of whatever sort, also offers the possibility to conserve, and it does both of those seemingly contradictory things without really producing much clash and controversy.
So, writers introduced punctuation marks into Arabic around the turn of the 19th-20th century in order to subvert what they saw as the domineering influence of French. The motivation was both political and social, since easier reading also means widening the circle of textual participation to non-scholars. Partly, the concern with increasing reading speed and comfort, which was hoped to come with a concomitant increase in communication, reminds me of the connection between punctuation marks and "civilization" about which I have written here. This gives me a weird feeling, to be honest; as if punctuation somehow took part in the shady business of economic exploitation or political machineering. I do believe, though, that the efforts of Fawwaz, al-Tuwayrani, and Zaki have nobler intentions. Democratisation. Preservation and accessibility. Resisting the powers that were (and probably to a certain degree still are, see Latinized Arabic or Franco-Arabic which, more often than not, gets under people's skin).
Two little bits of information I find quite interesting, but do not know where to weave into the above: since Arabic is written from right to left, rather than left to right, punctuation marks which are not symmetrical also swap their direction, like so: «؟»
Curiously, in modern Hebrew (which is also written from right to left, and of which I also know by experience that it's hard…), the question mark retains its left-to-right directionality. My first impulse was to think, unkindly so, that the creators of Ivrit did so in order to distinguish themselves from Arabic which saw the introduction of punctuation marks at the same time, of course, as the Zionist movement, at the end of the twentieth century. A Jewish friend then pointed out that it this is probably just the case because European Jews who mostly spoke German were involved in putting together modern Hebrew, so went with what they were used to.
And the second bit is that Dana Awad, the author of the article from which most of my information originates, believes that the three literary people who were most involved in introducing punctuation into Arabic also did so in order to capture emotion 'that are hardly expressed by words', she writes, 'or to avoid lengthening in expressing them'. I've been working on this project for exactly a year now (officially at least), and this is what I encountered time and again: emotion. Punctuation means pouring feeling into words.
It wouldn't be true fi the opposite wouldn't also be true: I asked an Egyptian friend about her punctuation habits in her informal texting in Arabic. She said she was just using the usual marks that she also employs in English. When I asked how she was SHOUTING in Arabic, because it doesn't have such a thing as caps, not properly anyway, and if it's not through caps or !!!!!!!, how does she express strong feelings?
Words, she says.
Words.
For further information, see the excellent article by Dana Awad, 'The Evolution of Arabic Writing Due to European Influence: The case of punctuation' in Journal of Arabic and Islamic Studies 15 (2015): 117-136. Freely available online.
Author florencehazratPosted on May 19, 2020 Tags Arabic, colonialism, politics
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Welcome to our news and events. Here you'll find all our latest press releases with all the latest news from Grahams, as well as the events we'll be popping up at. Make sure to check out our Dairy Diary blog, too! If you need family photos, business pics or just more info, please contact Emma Roy- Emma.roy@grahamsfamilydairy.com.
Looking to try something delicious, new and quark-y?
Mixed with granola, porridge or fruit, stirred through pasta or baked into scones, quark is the versatile soft cheese originally from the continent that is swiftly making its mark in the UK. It's delicious, nutritious and not naughty at all.
Graham's brand recognised as 'Success of the Year' Graham's The Family Dairy last night celebrated a double win at the prestigious Scottish Food and Drink Excellence Awards, as it was crowned 'Brand Success of the Year', also scooping gold with spreadable butter in the 'Dairy' category.
We are thrilled to announce that we have picked up four awards in this year's Ice Cream Alliance Competition.
We are proud to be among 48 Scottish food and drink businesses selected as the finalists for the renowned Scotland Food & Drink Excellence Awards.
Scotland's favourite dairy delivers box of butter to Danish goalkeeper. It might be just a friendly, but steps are being taken to make sure that Scotland has the home advantage come their tie with Denmark on 29 March at Hampden Park. Looking to take advantage of any 'slip-ups', Graham's The Family Dairy hope to make Danish keeper Kasper Schmeichel a Butterfingers, with a special bumper pack of butter delivered straight into his hands ahead of the game.


Westwater Canyon is an amazing stretch of the Colorado River that consists of nine class III+/IV rapids. It can get really gnarly in high water, and I have experienced major scary carnage in rafts at those levels (video evidence here), but during the Fall, it's a super challenging and relatively safe stretch on a SUP.
This year was the third time I have SUP'd Westwater. One of my goals was to be able to clean the entire stretch and SEND IT!!
So I reviewed the footage from year's past. Replayed it over and over. Slow motion. Studied it. Wrote down what I would say as my own coach. Oh man, I wanted to clean Westwater Canyon SO DANG BAD.
"How do I get my SUP to go straight?"
Photo captured by Brad Mickelson at the 2017 FibArk on the Arkansas River, Colorado.
Most people can pick up paddle boarding within the first SUP session, no lesson necessary. However, there is more to stand up paddle boarding than meets the eye, and even though most people consider their SUP experience a success because they can stand and somewhat navigate their board, there are some simple tips that can improve their paddle experience.
In this post, I will equip you with tools to combat the number one question I hear from SUP newbies while establishing their paddle technique -- "How do I get my SUP to go straight?"
My life and, consequentially, my social media feed is filled with the joys of stand up paddle boarding. I have worked at several paddle shops, spent a few months building boards in a factory, and have raced and played on many boards.
People message me all the time asking for advice on buying a paddle board, and because boards are pricey, it's important that you understand what you're buying.
I broke the research process down into several questions that you need to ask yourself so that you know what type of board you should buy as well as what shape would work best for you.


Srinagar: The government should consider according national animal status to the cow, Jamiat Ulema-i-Hind president Maulana Syed Arshad Madani said Wednesday while expressing concern at the "atmosphere of fear" following violence by 'gau rakshaks', PTI reported.
"The government should give national animal status to the cow and we will support it," Madani, who heads the influential body that represents a large number of Islamic scholars in the country, said at a press conference, PTI added.
An "atmosphere of fear" prevails in the country due to incidents of violence, that included even murder, by cow vigilantes, he was quoted as saying.
"These young gau rakshaks are exploiting religion to loot and murder people and taking law into their own hands. We respect the religious sentiments of our Hindu brethren but no one can be allowed to take law and order into their own hands," he was quoted as saying.
Referring to the issue of triple talaq that is likely to come up in the Supreme Court tomorrow, he said it was a religious matter and could have only a religious solution. "If the Supreme Court comes out with such an acceptable solution, we will welcome it," Madani said, added PTI.
The apex court, he added, should ask the ulemas, or Islamic scholars, to discuss its objections and come out with solutions before direct intervention in the matter, the report said.
"… the court should give a chance to the ulemas to discuss and sort out its objections over triple talaq. Then they (Supreme Court) may consider those solutions and give judgement. Such a judgement based on religious interpretation will be acceptable to us," he was quoted as saying.
The matter was being "blown out of proportion" by the media and now even the Supreme Court was inclined to intervene in it, Madani said according to PTI.
The Jamiat president also referred to the Guwahati High Court order on citizenship in Assam. It had created a situation where 48 lakh married women in the state stood to lose their citizenship, he said, the report added.
The Jamiat Ulema-i-Hind, according to the report, has challenged the High Court order on residency certificates in the Supreme Court.


Macrophages and dendritic cells (DC) respond to pathogen stimuli and produce cytokines including interferons (IFNs), IL-1, IL-6, and TNF-alpha to impart anti-viral and anti-microbial status to the host. Our goal is to study molecular pathways that direct the development and function of macrophages and DCs. Our long-term interest has been the role of a transcription factor IRF8 in innate immunity. IRF8 is expressed in M_ and DC at high levels and is required for production of both type I and type II IFNs. IRF8 and related transcription factors including IRF3 and IRF7 are post-translationally modified by ubiquitin and small ubiquitin-like molecules (SUMO). SUMO modification of these factors almost always results in transcriptional repression. SUMO–mediated repression likely represents an important mechanism to limit overproduction of inflammatory cytokines.
Transcriptionally active genes are embedded in chromatin that is dynamically exchanged, whereas silenced genes are surrounded by more stable chromatin. The chromatin environment influences transcriptional processes and controls epigenetic regulation. We are interested in BRD4, a chromatin-binding protein associated with transcribed genes. We are also interested in histone H3.3, the variant histone that is selectively associated with actively expressed genes. BRD4 is a 200 kDa nuclear protein carrying two tandem bromodomains through which it binds to acetylated chromatin. BRD4 also interacts with the elongation factor P-TEFb and regulates transcription of many genes, including those induced by external stimuli. BRD4 is implicated in transcriptional memory across cell division because it stays on condensed chromosomes during mitosis and affects gene expression in the daughter cells. Despite close structural similarity with the standard H3.1 and H3.2, histone H3.3 has an extraordinary property, in that it is incorporated into nucleosomes and DNA only in actively transcribed genes. In contrast, H3.1, H3.2, and other standard core histones are incorporated into nucleosomes during DNA replication. The difference between H3.3 and H3.1/2 reflects distinct chromatin activities during replication and transcription. Although there is mounting recognition of the importance of transcription-coupled histone incorporation, the process and its physiological significance is still shrouded in mystery. Our goal is to elucidate the activity of BRD4 and histone H3.3 in the context of transcriptional activation and epigenetic memory.
Dr. Keiko Ozato received her Ph.D. in Developmental Biology from Kyoto University, Japan in 1973. Then, she trained at the Carnegie Institution of Washington, Johns Hopkins University, and NCI as a postdoctoral associate. Dr. Ozato came to NICHD in 1981 to launch an independent research group in molecular immunology and received tenure in 1987. All along, her research has focused on transcriptional gene regulation in innate immunity. Her laboratory isolated and reported IRF8 in 1990, a transcription factor critical for host resistance against pathogens in macrophages and dendritic cells. Her group demonstrated that IF8 is central to the induction of proinflammatory cytokines and autophagy regulation in these cells. With the longstanding interest in the role of chromatin in gene regulation, the Ozato lab later reported BRD4, a bromodomain protein that binds to acetylated histones. Their subsequent study showed that BRD4 recruits the elongation factor P-TEFb (CyclinT/CDk9 complex) and regulates many cellular and viral genes. They also showed that BRD4 remains on chromosomes during mitosis and plays a role in regulating transcription relevant to epigenetic memory. Extending the chromatin angle, the Ozato lab also studies transcription-coupled histone exchange focusing on the replacement histone H3.3. Dr. Ozato has been active in the research community and has published 330 papers, to date, in scientific journals. The current goal of the laboratory is to study the activities of these proteins in vivo using newly constructed mouse models.
Yoshida Y, Yoshimi R, Yoshii H, Kim D, Dey A, Xiong H, Munasinghe J, Yazawa I, O'Donovan MJ, Maximova OA, Sharma S, Zhu J, Wang H, Morse HC 3rd, Ozato K. The transcription factor IRF8 activates integrin-mediated TGF-β signaling and promotes neuroinflammation. Immunity. 2014;40(2):187-98.
Kurotaki D, Yamamoto M, Nishiyama A, Uno K, Ban T, Ichino M, Sasaki H, Matsunaga S, Yoshinari M, Ryo A, Nakazawa M, Ozato K, Tamura T. IRF8 inhibits C/EBPα activity to restrain mononuclear phagocyte progenitors from differentiating into neutrophils. Nat Commun. 2014;5:4978.
Kanno T, Kanno Y, LeRoy G, Campos E, Sun HW, Brooks SR, Vahedi G, Heightman TD, Garcia BA, Reinberg D, Siebenlist U, O'Shea JJ, Ozato K. BRD4 assists elongation of both coding and enhancer RNAs by interacting with acetylated histones. Nat Struct Mol Biol. 2014;21(12):1047-57.
Gupta M, Shin DM, Ramakrishna L, Goussetis DJ, Platanias LC, Xiong H, Morse HC 3rd, Ozato K. IRF8 directs stress-induced autophagy in macrophages and promotes clearance of Listeria monocytogenes. Nat Commun. 2015;6:6379.
Liang Q, Deng H, Li X, Wu X, Tang Q, Chang TH, Peng H, Rauscher FJ 3rd, Ozato K, Zhu F. Tripartite motif-containing protein 28 is a small ubiquitin-related modifier E3 ligase and negative regulator of IFN regulatory factor 7. J Immunol. 2011;187(9):4754-63.


text:
The Best Financial Planners In Sydney
Let us help you find the best financial planner for your needs
Find My Financial Planner Now
Need Financial Advice in Sydney?
Let us find the Best Financial Planner for your Needs and Situation.
CLICK TO FIND MY FINANCIAL PLANNER NOW!
We have listed the 10 best Sydney Financial Planners.
Brenton Tong – Financial Spectrum
When it came to acquiring a lifestyle underpinned by financial security, Brenton decided to ignore what he'd grown up in Sydney hearing, "People like us can't do things like that."
Brenton's own financial education started early, talking through the concepts in the Australian Financial Review with a friendly commerce teacher. Today, listening and talking through concepts is exactly what Brenton does for his clients and in the media at Financial Spectrum – an award winning financial advisory with offices across Sydney.
Consistently ranked one of Sydney's top financial planners (Adviser Ratings), Brenton believes strongly in separating advice from commissions, instead focusing on delivering genuine value to clients.
Brenton holds a Bachelor of Commerce with a major in Accounting and Law, as well as an Advanced Diploma of Financial Planning. He is completing his Masters of Business Administration and is enrolled in the Fellow Chartered Financial Practitioner programme (FChFP). Brenton is a Senior Associate Member of FINSIA and member of the Association of Financial Advisers, Association of Independent Financial Professionals and Responsible Investment Association of Australia. In addition, Brenton is an accredited trainer for financial planners and writes part of the Continuing Professional Development syllabus for Kaplan.
Outside of the office, Brenton spends time with his ever-expanding family, working on the farm or sailing the Sydney to Hobart Yacht Race.
Level 13 447 Kent Street Sydney, NSW 2000
Contact: Brenton Tong – Financial Spectrum
Cameron Howlett – Independent Wealth Partners
Cameron is the founding partner of Independent Wealth Partners, a financial planning practice with offices in Sydney and Melbourne which provides truly independent advice to its clients. He is a Certified Financial Planner, an accredited SMSF Specialist Advisor™ and a Registered Tax Agent with the Tax Practitioners Board of Australia, whilst he has worked on the Financial Planning Associations CFP Board Committee.
Having won numerous industry awards, he is the "2015 National Investment Adviser of the Year" awarded by the Independent Financial Adviser (IFA) Magazine, whilst also being a finalist in the 2015 SMSF Adviser of the Year. He was nominated again in 2016 as a finalist for SMSF Adviser of the Year as well as Investment Adviser of the Year, whilst again in 2017 for SMSF Adviser of the Year.
Cameron writes and is quoted regularly on Financial Planning issues in the Age, Australian Financial Review and The Australian and has been profiled in BRW Magazine.
Why are we independent?
Unfortunately, for too long the public has not been able to trust in the advice of most financial planners. Tainted by commissions and schemes designed to sell the product of their masters has meant that most advice couldn't be relied upon. When starting our business, we wanted to be different. We wanted our business to reflect who we were. As such, our advice is 100% independent. We receive no 'kick backs' or 'incentives' from any product or investment that we recommend to you. None. Never. 0%. Ever, ever, ever. Our work is paid for by the fee you agree to before we start. This allows us to be ruthless about the effectiveness of the strategies, products and services we recommend to you. If we think something is a good idea it's because we think it is a good idea, not because someone offered us an incentive. To learn more about who we are click here.
Cameron and his partners at Independent Wealth Partners work with their clients to help them understand and achieve their dreams, goals and aspirations. We do this by working together to give advice that empowers our clients to align 'their money' with the things that matter to them most, giving them the clarity, control and freedom to live a full life.
For some clients, this might be spending 6 months travelling the world, or maybe a dream of a quiet life in the country, or perhaps its being able to get out of the rat race and retire as soon as possible. Our specialty is to help our clients identify what they want to do, provide independent advice tailored to this and then chart a course to ensure it's achieved.
We're working for you. Full stop.
"Independent Wealth Partners and in particular Cameron Howlett have recently steered me back on track with my finances after I had received some extremely poor financial advice from my previous financial adviser, who I had been seeing for some years. I am forever grateful to Cameron for his honesty, competence and professionalism as a financial adviser, he has filled me with the confidence that I am now finally on the right path to achieving the goals I had originally set out a few years ago." Sarah Fitzgerald
"My wife and I have been receiving advice and services from Cameron Howlett for over seven years. His experienced and practical advice and management has helped us achieve all our objectives and retire two years earlier than planned, with confidence. Cameron is a much trusted professional adviser who we highly recommend. He is fun and personable when making us think about, not just our financial objectives, but also our aspirations and dreams. He is also very patient and diligent in explaining things. We could not be happier." – Ian Bramstedt
"Cameron and the team at Independent Wealth Partners have been fantastic to deal with. My partner and I landed there after an extensive search, looking for independent advice as well as hoping to build a long term professional relationship. Cameron has provided exactly that, giving us guidance and clarity on our direction, and importantly, helping us stay focused on our goals. Cameron is fantastic to deal with, making us feel comfortable immediately, is extremely personable and trustworthy, which is important to us in a relationship of this nature. Highly recommended!" Nicholas Twomey
Book in a call by clicking on this link or check out more about Independent Wealth Partners
Independent Wealth Partners
L17, 9 Castlereagh St, Sydney NSW 2000
L3, 530 Collins St, Melbourne Vic 3000
Contact – Cameron Howlett or phone 03 83939371
Contact: Cameron Howlett – Independent Wealth Partners
Chris Smith – VISIS Private Wealth
Chris Smith is one of Australia's most awarded and respected Financial Planners. As the Founding Partner of VISIS Private Wealth, Chris has built a professional team founded on a rare commitment: truly impartial advice to help clients achieve their financial and life goals.
Chris is a Certified Financial Planner and has over 20 years' experience in providing strategic financial advice, successfully delivering tailored, practical and smart solutions that get results. After establishing VISIS in 2001, Chris has worked to build a respected, 100% privately owned practice – with no alliances to other financial institutions. "Quite simply, I am genuinely and solely driven by client needs".
Chris is proud to offer the best of both worlds at VISIS: the size and resources to offer market-leading services, with personal attention and close relationships with his clients. Every client has comprehensive financial expertise at their fingertips, covering investment management, personal insurance, finance/lending, superannuation, taxation advice and accounting services whilst having direct access to Chris and his team.
A hands-on and personal approach gives Chris real insight into clients' challenges and the ability to offer solutions that work for them and make the difference. With the VISIS team, Chris helps High Net Wealth clients, self-funded retirees, executives and business owners to effectively manage, grow and protect their wealth every day. Chris has a proven track record of building long-term partnerships with leading business people, high net wealth individuals and families. "I strive to combine my deep industry knowledge with a proactive and straightforward approach so my clients can make clear, informed decisions with confidence".
While providing a full range of wealth management advice and strategies, key areas of specialist knowledge include:
Family Office Management;
investment management;
self-managed super funds;
executive share plans;
taxation management; and
investment/wealth entities and vehicles.
Over the past decade Chris and his Firm have won the Professions' most prestigious awards including:
CERTIFIED FINANCIAL PLANNER® of the Year – NATIONAL WINNER
Holistic Advice Firm of the Year
SMSF Adviser of the Year
Investment Adviser of the Year
Independent Financial Adviser – Excellence Award – NATIONAL WINNER
Independent Financial Adviser – Best Client Service Adviser Individual Award – NATIONAL WINNER
Independent Financial Adviser – Boutique Firm of the Year Award – NATIONAL WINNER
Level 35, One International Towers
Barangaroo Av, Sydney, NSW, 2000
Contact: Chris Smith – VISIS Private Wealth
Joshua Cratchley – Plenary Wealth
Co-Founder & CFP®
Josh has been advising clients in financial services for over two decades. Previously an Accountant specialing in Self-Managed Superannuation, Josh became a financial adviser in 2010 and started Plenary Wealth in 2013.
Josh has helped clients at every stage of life, from those welcoming a new member of the family to those saying goodbye to one. Our job as advisers isn't necessarily to be the most intelligent person in the room, at least not all of the time. Our actual value is in being the most experienced in dealing with difficult financial matters. When something complex, urgent or traumatic comes your way, having someone on your team who has been through it before is reassuring.
Josh has clients scattered around Asia, the Middle East, Europe and North America and has a network of professionals worldwide he works with to execute an array of different advice.
Josh is passionate about his clients and committed to providing value to every one of them. His extensive knowledge and experience in both Accounting and Financial Planning help Josh deliver advice of the highest order.
Josh is very impressive with his endless knowledge of all things financial. Josh has the ability to make complex financial mysteries seem simple, with easy to understand and detailed explanations to any topic. He quickly identifies risks, gaps, pitfalls and shortcomings with ease and has immediate short term and long term solutions to any financial challenge.
Recently in my family's time of greatest need, due to a tragic medical issue with a family member, Josh became a shining light of common sense and overcame a variety of legal obstacles. He provided guidance, support and managed my family's best interest through these unpleasant times. I cannot give him enough accolades or praise for his efforts on my behalf.
-Greg 60s
Certified Financial Planner, Financial Planning Association of Australia
Bachelor of Business, Financial Planning, University of Technology, Sydney
100 Walker Street, North Sydney NSW 2060
3 Spring Street, Sydney NSW 2000
Contact: Joshua Cratchley – Plenary Wealth
Gareth Colgan – Financial Planner at Eqeus
Although my job title says Financial Planner, my role is better described as somewhere between an asset project manager and a financial coach. Because, for me, finances are such an integral part of people's wellbeing that it can't all be about the numbers. Relationships always come first, not a financial plan. So, I will get a real sense of what you are trying to achieve, and what drives you, before we create your plan to financial freedom.
Where I add the most value is in amplifying success for my clients. Most have high incomes and a large asset base, and they look to me to develop their portfolios with robust strategies designed to achieve their goals, whether that be income requirements or capital growth. My recommendations aren't clouded by offers of commissions, as I don't take any from providers of new products. All of which builds trust.
Now, if you're looking for a Financial Planner 'Trusted Adviser' is a buzzword that's thrown around a lot in financial services. So much so that it's lost all meaning. I think that real trust only comes with time and is proven. That's why I'm most proud of the intergenerational wealth management side of my business, which means trust is handed down through a family year on year.
If you're looking for a Financial Coach/Project Manager, then please get in touch.
You'll see plenty of qualifications below. However, they are only a part of the equation. Drawing on my experience to fully understand the impact my advice will have on your situation is where the real value of my service comes in.
Certified Financial Planner
Accredited Estate Planning Strategist
ALPA – ASX Listed Product Adviser
Aged Care Specialist
Advanced Diploma of Financial Planning
Diploma of Financial Planning
Contact: Gareth Colgan
John Hollyman – Eqeus
His clients say it is his honesty, pragmatism and the fundamental desire to get things done that sets him apart from others in his field, while his peers cite trustworthiness, clear strategic thinking and a thoroughness that goes above and beyond expectations. It is these qualities that equip John for the role of Eqeus Managing Director, where he leads an innovative, yet grounded, team of financial professionals committed to offering a fresh approach to financial planning.
Developing close relationships with his clients, who include young adults accumulating wealth and those in their middle years consolidating and planning retirement, is an area that he continues to enjoy. John says that amongst his strongest skills are his ability to analyse then communicate complex matters through practical roll-out strategies, a proficiency that he intends to nurture within Eqeus' strategic and original thinking. John understands that regardless of stage of life, his clients have aspirations and goals that often need a coach and mentor to bring to fruition.
While researching, planning and providing a tailored financial strategy are among his technical skillset, it is close listening, understanding and interpretation of needs where John excels to define personal goals and financial planning objectives aimed at helping his clients achieve their personal vision.
After graduating university, John worked as an accountant, moved on to become a paraplanner with a major financial services group, stepped up to financial planner, moved into the role of business development manager with a major property developer before settling in to his role at RK Financial Planning, which proceeded his Eqeus evolution.
His success also has a lot to do with life experiences. At 17 years of age, John's family home was gutted during the Sydney bushfires. Everything he owned, and everything his parents had worked for, was destroyed. It was a life changing event and John says that as an introverted and quiet young man it brought a realisation that life is to be lived and material things are just that.
Importantly, he learned that planning for the unexpected and having a financial plan that is flexible and able to adapt to your changing life circumstances is essential for establishing the support necessary for financial and emotional recovery.
It was perhaps this personal experience that paved the way for John's career in financial planning – a role which allows him to help clients to organise, understand, anticipate risk and make the most of their financial affairs for now and in the future.
Personally…
Away from the office, John's most important job is being a father to his children Ryan, Mackenzie and Madison. While these days a couple of nagging injuries see him more on the sideline than on the field he has enjoyed his share of accolades since he began playing hockey at the age of seven. John played 1st Grade for more than 10 years and scored a couple of Best & Fairest awards including Best Player in a Grand Final and the University Blue Sporting Award from UTS. He has been a good club man too – Treasurer for a few seasons and now a coach – roles that match his innate sense of team work and mentoring.
Bachelor of Business (Accounting & Finance)
Certified Financial Planner®
Chartered Financial Analyst
Level 21, 133 Castlereagh Street Sydney NSW 2000
Suite 206, 16 Wurrook Circuit Caringbah NSW 2229
Contact: John Hollyman
Matt Dragovic – LDM Private Wealth
Director – Financial Advisor
Understanding a client's unique situation and then helping them build a pathway to wealth is the experience that Matt finds most satisfying in his role. Matt believes that building strong relationships with clients is the only way to find the right financial solutions for them.
Matt abides by the philosophy that 'Understanding where you want to be financially in the future is just as important as the Journey to reaching that goal". With this in mind, he takes a methodical approach to his work, ensuring that 'no stone is left unturned' in his pursuit of successful outcomes for clients.
One of Matt's strongest beliefs is that poor short-term management leads to longer-term issues and delaying action creates a bigger problem. He works with his clients to ensure that issues are kept to a minimum and potential opportunities are maximised.
Matt is the founder of LDM Private Wealth having been in the finance industry since in 2002. He established LDM from his previous role with Westpac Private Bank where he won a number of national awards.
Matt loves taking time to allow clients to truly identify what is most important for each client, essential for setting and prioritising their individual goals. This forms the foundation of our relationship for us to utilise our vast experience, skills and understanding to form an aligned plan focusing on realising these dreams. Matt values the inherent trust from clients very seriously and loves nothing more than bringing their dreams and plans to life.
Bachelor of Commerce (Finance & Economics)
Advanced Diploma in Financial Planning (Fin Services)
Certificate IV in Financial & Mortgage Broking
AFP Member of Financial Planning Association
Level 25, Tower 3, 300 Barangaroo Ave, Barangaroo NSW 2000
About LDM Private Wealth
LDM Private Wealth is Sydney based wealth management firm servicing both Sydney and Wollongong. The name for LDM Private Wealth is based on his three sons Logan Dante and Myles.
Matt Dragovic is a Authorised Representative (1003251) and LDM Private Wealth is a Corporate Authorised Representative (1273394) of the Crown Wealth Group Pty Ltd (AFSL 494274)
Contact: Matt Dragovic
David Hancock – Montara Wealth
David is a Director and Senior Financial Planner at Montara Wealth. His role is to oversee the running of the business and ensure the delivery of exceptional service and strategic based advice to clients. David is well known for developing strong long-term relationships with clients and is passionate about helping them identify and implement life changing financial strategies.
David provides monthly content through the Montara Wealth blog. Here is an example of one of their articles 'An introductory guide to investing in the share market'.
Along with his team, David provides strategy based holistic advice to his clients, focusing on their goals and aspirations – not selling products! The unique financial modelling process Montara Wealth undertake, provides their clients the clarity and confidence to move forward with their financial decisions.
David has extensive experience providing financial advice to organisations and individuals across Australia and the UK. His expertise has seen him featured in various media publications including the Australian Financial Review, Daily Telegraph, Herald Sun and news.com.au.
Experienced in developing property strategies
David has extensive experience in assisting clients to develop their property strategy, with a high number of his clients purchasing their dream homes and/or investment properties after going through a strategic modelling process. For an example of how David has helped an existing client, click the following link to read a case study of John and Annie.
Outside of the businesses, David enjoys spending time with his family, keeping fit and going out for a good meal with friends. David also likes to dedicate part of his time to charity work, including driving charity initiatives with organisations such as Kookaburra Kids, Starlight Foundation and Birds of Passage.
Suite 1, Level 6/309-315 George Street, Sydney, NSW 2000
Contact: David Hancock
Claire Mackay – Quantum Financial
Her name is Claire Mackay and she is an independent financial advisor and business owner at Quantum Financial. Along with her brother Tim, she is part of the second generation advising their wonderful clients.
She developed her investing skills at Macquarie Bank and PwC. She was recognised as Financial Planner of the Year 2015 by Money Management; as Investment Advisor of the Year 2014 and was awarded Excellence in Financial Advice 2014 by Independent Financial Advisor.
She regularly asked her views on ABC TV and in the Australian Financial Review. She regularly discuss finance issues with David Koch (who described her as "A financial wiz") while Alan Kohler wrote of her "One of his favourite financial planners, Claire Mackay of Quantum Financial in Sydney".
She has her own website where she loves to share her views https://www.clairemackay.com.au.
She was appointed by the chair of ASIC as the only financial planner to sit on ASIC's External Advisory Panel with David Gonski, Heather Ridout, Dr Simon Longstaff and others. In 2018, She was appointed by the Minister of Financial Services, Kelly O'Dwyer, to the inaugural Board of the Australian Financial Complaints Authority, chaired by Helen Coonan (AFCA). She is a director of the Accounting Professional and Ethical Standards Board, chaired by Nincola Roxon (APESB) She is also the only financial planner who sits on the Austrlian Tax Office's peak superannuation representative body, the SIRN.
She is a Certified Financial Planner, Chartered Accountant, Chartered Tax Advisor, Self Managed Super Fund expert and a graduate of the Australian Institute of Compnay directors (GAICD). She holds Degrees in Commerce and Law and a Master's Degree in Law. In 2018 She was recognised by Barron's as one of the Top 50 advisers in Australia. She is listed on the Top 10 Financial Planners in Australia.
But all work and no play would make her a dull Financial Planner. When not managing your money, She loves adventures including climbing Machu Picchu, backpacking Africa & India; walking the Kokoda Track, and the Palm Beach to Whale Beach Big Swim.
Level 3, 9 Help St Sydney Chatswood NSW 2067 NSW
Contact: Claire Mackay
Pat Casey- Assure Wealth
Pat Casey is a 13-year senior executive turned Financial Planner, who has held executive management roles within Colonial First State and the Suncorp Group in their wealth management and financial planning divisions.
Pat left the big end of town to pursue a career helping other successful people build more wealth, bring structure to their finances, pay off their mortgage faster and reduce the stress that comes with worrying about money.
Pat's unique level of experience and insight allows his clients to achieve a higher level of financial success, with the peace of mind that they have taken control of their financial future. He does this by taking clients through a 7-step process to identify, plan and implement strategies to build more wealth – 'The Assure Way'.
Pat has a particularly deep knowledge of helping young families in their 30's and 40's, who've built successful careers or businesses, to help strengthen their financial position by protecting the wealth they have built, then removing the stress and complexity from managing their finances, and finally developing a plan to build more wealth for the future.
Pat also works closely with people in their 50's who are approaching retirement and are worried if they've saved enough money to retire, they're not sure at what age they'll be able to afford to retire, and are generally overwhelmed with the complexity that comes with superannuation and planning for retirement.
Finally, Pat has a keen interest in helping couples who have accumulated more than $200,000 in superannuation between them, are frustrated with their current superannuation funds and are interested in starting their very own self-managed superannuation fund (SMSF).
Bachelor of Commerce (with Merit) – University of Wollongong Graduate Diploma in Financial Planning – Securities
Institute of Australia Self-Managed Superannuation Funds – Kaplan Australia ASX Accredited Listed Product Adviser (ALPA) – Kaplan
Australia SMSF Specialist Course – University of Adelaide & Super Concepts
Level 4, 20 Bond Street, Sydney
Contact: Pat Casey
Get in touch with Chris
Get in touch with Quantum Financial
Get in touch with Claire Mackay
Get in touch with Phillip Win
Get in touch with Joshua Cratchley
Get in touch with Brenton
Get in touch with Pat
Get in touch with Gareth
Get in touch with John
Get in touch with Cameron
Get in touch with David


What Is a Carbon Footprint and How to Reduce It?
Your carbon footprint measures the environmental impact of your lifestyle.
1 What Does Reducing Your Carbon Footprint Mean?
4 How Do I Calculate My Carbon Footprint?
Everything you do has an impact --- positive or negative --- on the environment. That's the concept behind your carbon footprint, which is one method of measuring the environmental effect of your lifestyle. A carbon footprint, measured in tons, indicates the amount of carbon dioxide and other greenhouse gases that are produced as a result of your daily activities. You can reduce your footprint by changing the way you live your life. Even seemingly tiny changes can make a significant difference.
You can use one of many online calculators to find out what your approximate carbon footprint is. You will be asked to estimate your energy usage (most electricity is produced by burning fossil fuels, which produces greenhouse gases). You'll also need to input the make and year of your car or its fuel efficiency, and the total miles you drive per year. Your food choices are also a contributing factor. You should determine how your food is raised and processed and how far it travels to reach your table. You will certainly be asked about your recycling, composting and waste habits. The environmentalist adage "reduce, reuse, recycle" is designed to reduce greenhouse emissions and other environmental blights.
The easiest way to start reducing your carbon footprint is to cut back on your power needs at home. Replace the incandescent lights in your house with compact fluorescent bulbs. Weatherize your home and turn off heaters and air conditioners when you don't need them. In fact, turn off and unplug all your appliances when they aren't in use. That includes your computer and your TV. Turn off unneeded lights, and use natural daylight when possible. If you're serious about reducing your footprint and can afford the investment, consider redesigning your house or installing solar panels to make your home more energy-efficient without sacrificing comfort.
Aggressive driving, including speeding, hard braking and rapid acceleration, can lower your highway gas mileage by up to 33 percent (see References 3). Slow down, drive safely and avoid high speeds. You'll save money on gas, and lower your footprint in the process. Combine several errands into a single trip when possible. Remove any extra weight from your car, unless it's a coworker or friend you can carpool with. If you live in the city, consider forgoing traffic jams altogether and taking public transportation instead. Always keep up with your maintenance, so your car runs cleanly and efficiently.
Your food choices don't just affect your body --- they affect the environment too. In addition, making deliberate food choices based on local, seasonal ingredients can help support the producers who make that food possible. Choose organic and fairly traded food when you can, and support your local farmers by buying from farmers markets. Grow your own vegetables in your garden, and compost your scraps. Avoid wasting food, and choose products with eco-friendly packaging.
Blue, Jessica. "What Is a Carbon Footprint and How to Reduce It?" Home Guides | SF Gate, http://homeguides.sfgate.com/carbon-footprint-reduce-it-78817.html. Accessed 21 April 2019.


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kccio |January 12, 2020 |by admin |0
…says PWC valuation of sugar estates 90% completeThe Special Purpose Unit (SPU) under the National Industrial and Commercial Investments Limited (NICIL) has responded to statements made by Opposition Leader Bharrat Jagdeo in regard to his criticism of the $30 billion bond acquired by SPU through commercials banks both in Guyana and the region.The SPU has not taken lightly those criticisms, which seek to suggest that the bond would be wasted and that it was acquired at an unreasonable rate. In a statement issued Thursday, the SPU said it should be noted that, as standard for any debt financing, security is required to secure payments to bondholders.According to the SPU, rather than burden the assets of NICIL, which include the Guyana Oil Company, Atlantic Hotels Incorporated and the Guyana Sugar Corporation (GuySuCo), the security of the NICIL bond is simply a guarantee of payment from the Government of Guyana.The terms of the bond are five years, since it is expected that the proceeds of the land sale for GuySuCo would be used to repay the facility, and NICIL wanted to secure the lowest possible interest rate."It is therefore important to correct several inaccurate statements being made by the former President of Guyana and Minister of Finance, Bharrat Jagdeo, regarding the bond," the statement said.The SPU reminded that the bond was secured solely by the full faith of bondholders in the Government, and not against any assets of NICIL or GuySuCo. Further, the Unit noted that the commercial lending rate for Guyana is 13.00 percent, while the NICIL bond was issued at 4.75 percent, which is 8.25 percent lower than the rate that most companies borrow at in Guyana.It said, "The current inflation rate in Guyana is 2 percent; therefore, any prudent investor would demand a return higher than the rate of annual inflation. Mr. Jagdeo's comments, as a former Finance Minister, are very concerning, since he would certainly understand that no country in the world, including the USA, Switzerland or Germany, can borrow at less than 2 percent for 40 years, as he mentioned."The Unit also stated that the 30-year US Treasury Bond is currently trading at 3.04 percent, which is expected to raise within the next year. To further illustrate how competitive the interest rates are in comparison to the countries in local lending rates, the SPU pointed to various bond rates in the region.However, Jagdeo said recently that he is now in receipt of the Private Placement Memorandum for the GuySuCo $30 billion bond, and having read the contents of that document, he was shocked by what was contained in the agreement, which now leaves more questions than answers."I've had a copy of the Private Placement Memorandum for the bond – the $30 billion bond — and I was shocked," the Opposition Leader said recently, noting that in reading the memo, he came across details that the proceeds would be used to fund long-term projects and capital expenditure.Jagdeo, an economist by training, said the general perception was that Government was raising $30 billion to spend on GuySuCo, on the remaining three estates. However, the memo tells a different story, as it has stated explicitly that the $30 billion that they agreed to will go to long-term projects instead."We don't know what the projects are as yet, but you would recall that this bond is only for five years. So, they're borrowing on a short to medium term, for long-term projects. You tend to match your borrowing with the life of the project. Normally, we would borrow on concessional terms for long term-projects."He used the example of the road and airport expansion projects, where there is an option of repayment of 20 or 30 years at one and two per cent interest. These, he said, are long-term projects. "So that you don't have big balloon payments," he declared.However, Jagdeo said that in the case of the GuySuCo bond, this was different because, "In five years, at a 4.75 per cent interest, which is 355 basis points above our treasury bill, the Government of Guyana will have to pay back from the proceeds of NICIL nearly US$40 million in about five years just to service $30 billion."The SPU also announced that the preliminary works being carried out by PricewaterhouseCoopers PWC with respect to the valuation of the estates that have been put up for privatisation and diversification are 90 percent completed. It said that it is completing information memoranda (IM) for each estate.The IMs will include the asset registry and land inventory for each estate. The completed IMs will be published for potential investors and public scrutiny within the next two weeks. It is expected that potential investors would begin visiting the various estates in August, in order to make assessments of the facilities as part of the preparation of their proposal to the SPU.
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Low Productivity, Stress Plague Open Floor Plan Offices
Open floor plan offices aren't all they're cracked up to be in the office, a new survey of workers shows.
Employees polled by staffing firm Robert Half said open floor plans are among the least productive and most stressful work environments. Yet they are becoming more popular.
[slideshare id=79102055&doc=the-optimal-office-space-configuration-170823202147] The majority (56%) of human resources (HR) managers whose companies have changed their workspaces in recent years said their companies moved to an open floor plan to enhance collaboration.
"Office design should not be a one-size-fits-all approach," says Paul McDonald, senior executive director for Robert Half.
"Companies considering a change should create a layout that brings out their team's best performance. Frequently, the optimal office setup includes a mix of private workspaces and meeting areas for collaboration."
Additional findings from the surveys:
While 65% of workers surveyed conceded that open floor plans help with collaboration, they also said that other office configurations, including private offices (60%), semi-private cubicles (68%), and a combination of open and private spaces (69%) can be collaborative.
Employees who work in open floor plans and semi-private cubicles cited the lowest productivity levels due to their workspace.
Employees who work in open floor plans and semi-private cubicles cited the lowest productivity levels due to their workspace. Workers with private offices cited the highest levels of productivity.
One-third of professionals working in private cubicles said their workspace configuration hinders collaboration.
Fifty-nine percent of those with private offices said their workspace makes them feel relaxed. Those working in semi-private cubicles and open floor plans reported the most amount of stress (31% and 25% respectively) due to their workspace configuration.
"It's not practical for every employee to have a private or even semi-private office, but employers should pay attention to the overall workplace design to ensure there are both collaboration spaces and places for employees to quietly get work done," says McDonald.
Robert Half identifies pros and cons of different workspace configurations to help managers decide what's right for their office:
1. Private offices
Pros: Employees and management can make business and personal phone calls, hold meetings, or have private conversations without being seen or heard by other staff members.
Cons: They're expensive and require more space to implement. Workers who close their doors can seem unapproachable.
2. Private cubicles
Pros: They provide some privacy.
Cons: Outside discussions can be distracting, and employees worried about disrupting others might avoid conversations, prohibiting collaboration.
3. Semi-private cubicles
Pros: Professionals can see each other, making it easier to have spontaneous conversations. This option offers an open floor plan feel, but also allows workers to feel ownership of their space.
Cons: Impromptu conversations can be disruptive to nearby workers trying to focus.
4. Open floor plan
Pros: This option saves on overhead costs, and is best for roles, departments, or industries that require a high level of collaboration.
Cons: It's not ideal for introverted personalities or those who require a quiet space for concentration. It also lacks private spaces for confidential discussions.
5. Combination of private and open spaces
Pros: It isn't as disruptive as other types of configurations and allows for employees to gather in common areas.
Cons: It's more expensive to implement and can take more time to design this type of space.
About the research: The surveys were developed by Robert Half and conducted by independent research firms. The HR managers' survey includes responses from more than 300 HR managers at U.S. companies with 20 or more employees. The survey of workers includes responses from more than 1,000 U.S. professionals age 18 and over and employed in office environments.
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Barbados looks a lot like an English heritage village transplanted onto a Caribbean paradise. Between the white-sand shores and glittering blue seas, you'll find historical buildings, a heritage railway, horseracing course, and even a cricket stadium.
Of course, there's plenty about Barbados which is very unlike a little English village, quite aside from the delightful beaches. Barbadian culture is very vibrant and colourful. One of the best times to see the village at its best is during the carnival-like Crop Over, when musicians and revellers parade the streets in bright and sequined costumes.
What to see & do in Barbados
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Things to do in Barbados range from endless stretches of soft sand and clear blue waters to an exciting variety of historic activities, arts and culture, and adventure for families. From relaxing on the beach or snorkelling in an entire underwater alien world to cave diving, live music, and exploring the birthplace of rum, it's all here. Head for the Animal Flower Cave beneath towering cliffs or take a ride... Read more
10 Best Towns and Resorts in Barbados
Barbados is amongst the most iconic islands in the entire Atlantic and is home to a variety of towns that show off a rich culture and unforgettable experiences. From the capital city to smaller and more obscure villages, Barbados is...
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Barbados is one of the best islands in the Caribbean for a family holiday, with plenty of things to do...
Where & what to eat in Barbados
Food and dining in Barbados offer special moments with locally sourced fish and meats, sustainably farmed plantains, peas, and rice, and a fusion of Caribbean and West Indian cuisine. Here you'll enjoy breakfasts with freshly squeezed tropical juices, homemade pastries, and unique omelettes, as well as lunch and dinner options that range from casual to upscale. You can head for The Cliff or the Animal Flower Cave Restaurant to dine... Read more
10 Great Restaurants in Barbados
Head to these great restaurants in Barbados, whether you're looking for a fine dining restaurant to mark a special occasion or somewhere simple to enjoy a casual meal. Many of the island's top dining spots are beside the water, making...
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The best local restaurants in Barbados serve up authentic, traditional dishes created from tried and tested recipes. Sometimes you need to eat where the locals do to get to the heart of a nation's cuisine and enjoy a flavoursome meal...
Where to shop & what to buy in Barbados
Shopping in Barbados ranges from quaint, small beachside boutiques with handmade clothes and crafts to large shopping centres with endless options and big name brands. The island is famous for its duty-free shops where you can buy expensive designer brands at sharp discounts and with no import/export taxes. Famous shopping districts in Barbados include the must-visit areas of Broad Street and Swan Street in Bridgetown, or you... Read more
10 Best Places to Go Shopping in Barbados
The best places to go shopping in Barbados range from contemporary malls housing premium brands to idyllic villages specialising in folk crafts. You might already know that the island has stunning beaches, tasty food, and glorious year-round sunshine, but...
10 Best Shopping centres in Barbados
Barbados offers a wide variety of shopping experiences with diverse selections that show off both local craftsmanship and international designer brands. Several different styles and brands grace the shelves here, so you're sure to find something to your liking no...
Where to go & what to do at night in Barbados
Nightlife in Barbados offers the party atmosphere you want, from some of the hippest, throbbing clubs to live entertainment from the hottest international bands. You can find every kind of late-night experience here, from drinking, dining, and live music to casual cocktail lounges. Popular nightclubs here include the Red Door Lounge and Harbour Lights. Festivals go on all year long, including the Crop Over Festival, Holetown Festival, and of... Read more
10 Best Beach Bars in Barbados
Barbados is known for many things, but its nightlife and beaches are amongst the most popular features that travellers from all over the world come to experience. No matter what side of the island you find yourself on, you'll never...
10 Best Things to Do After Dinner in Barbados
This guide to the best things to do after dinner in Barbados will help you experience the island's vibrant nightlife scene. There are activities and options for everyone, so it's not all about dancing and drinking here. To find the...
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