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Q: Show that $(X,\|\cdot\|)$ is complete if and only if $(X,|\!|\!|\cdot|\!|\!|)$ is complete when both norms are equivalent. Problem: "Suppose that on the same normed linear space, $X$, you have two equivalent norms, $\|\cdot\|$ and $|\!|\!|\cdot|\!|\!|$. Show that $(X,\|\cdot\|)$ is complete if and only if $(X,|\!|\!|\cdot|\!|\!|)$ is complete."
My attempt: Recall that if two norms are equivalent then $\exists\, a,b\in\mathbb R^+$ such that $a\|x\|\le|\!|\!|x|\!|\!|\le b\|x\|,\,\forall x\in X$. Also recall that a normed linear space is complete if every Cauchy sequence of elements converges to it's limit in the space.
Suppose, then, that $(X,\|\cdot\|)$ is complete and consider a Cauchy sequence of elements in $X$, $(x_n)$, which converges to it's limit $x\in X$. Then $\|x_n-x\|\to0$ as $n\to\infty.$ But then we have that,
$$a\|x_n-x\|\le|\!|\!|x_n-x|\!|\!|\le b\|x_n-x\|,\,\forall n\in\mathbb N$$
$$\implies0\le|\!|\!|x_n-x|\!|\!|\le0,\,\forall n\in\mathbb N$$
Which means thats $(x_n)$ is a convergent sequence in $X$ under $|\!|\!|\cdot|\!|\!|$. But we know in a metric space that convergent sequences are necessarily Cauchy. Hence this Cauchy sequence converges to it's limit in $X$ under $|\!|\!|\cdot|\!|\!|$. This $(X,|\!|\!|\cdot|\!|\!|)$ is complete. A completely analogous argument holds for the other implication.
Is my attempt and reasoning correct? My uncertainty stems from the solutions I have to this problem from my class. There, the lecturer has shown seperately that $(x_n)$ converges in one norm iff it converges in the other norm, and that $(x_n)$ is Cauchy in one norm iff it is Cauchy in the other. Is it not sufficient to merely show the latter?

A: I think the reasoning is not good enough. Actually one should assume first that $(x_{n})$ is Cauchy in $|\|\cdot\||$ and $\|\cdot\|$ is complete. Then there is some $\|x_{n}-x_{m}\|\leq C|\|x_{n}-x_{m}\||\rightarrow 0$, so $(x_{n})$ is Cauchy in $\|\cdot\|$. Then there is some $x\in X$ such that $\|x_{n}-x\|\rightarrow 0$. Since $|\|x_{n}-x\||\leq D\|x_{n}-x\|\rightarrow 0$, so $(x_{n})$ converges to $x$ in $|\|\cdot\||$.
And by symmetry one does in the other way as well.

A: Assume $m\|\cdot\| \le |\!|\!|\cdot|\!|\!| \le M\|\cdot\|$ for some constants $m,M > 0$.
Take a Cauchy sequence $(x_n)_{n=1}^\infty$ in $\|\cdot\|$.
Then we have
$$|\!|\!|x_k - x_n|\!|\!| \le M\|x_k - x_n\| \xrightarrow{k,n\to\infty} 0$$
so $(x_n)_{n=1}^\infty$ is also Cauchy in $|\!|\!|\cdot|\!|\!|$.
Similarly, take a Cauchy sequence $(x_n)_{n=1}^\infty$ in $|\!|\!|\cdot|\!|\!|$.
Then we have
$$\|x_k-x_n\| \le \frac1m|\!|\!|x_k - x_n|\!|\!| \xrightarrow{k,n\to\infty} 0$$
so $(x_n)_{n=1}^\infty$ is also Cauchy in $\|\cdot\|$.
Exactly the same reasoning shows that $(x_n)_{n=1}^\infty$ converges in $\|\cdot\|$ to $x \in X$ if and only if it converges in $|\!|\!|\cdot|\!|\!|$ to  the same $x$. Therefore, $\|\cdot\|$ and $|\!|\!|\cdot|\!|\!|$ have the same Cauchy sequences and the same convergent sequences.
Therefore, the implication $$\text{ Cauchy } \implies \text{ convergent }$$ is true for $\|\cdot\|$ if and only if it is true for $|\!|\!|\cdot|\!|\!|$.

The converse also holds, sort of.
Lemma:

Let $\|\cdot\|$ and $|\!|\!|\cdot|\!|\!|$ be two norms on $X$ such that for all sequences $(x_n)_{n=1}^\infty$ in $X$ we have:
$$(x_n)_{n=1}^\infty \text{ Cauchy in } \|\cdot\| \implies (x_n)_{n=1}^\infty \text{ bounded in } |\!|\!|\cdot|\!|\!|$$
Then there exists $M > 0$ such that $|\!|\!|\cdot|\!|\!| \le M\|\cdot\|$.

Proof: Assume there does not exist such a constant $M$. Then you can construct a sequence $(x_n)_{n=1}^\infty$ such that $\|x_n\| = 1$ and $|\!|\!|x_n|\!|\!| > n^2$ for all $n \in \mathbb{N}$. Then $\left\|\frac1n x_n\right\| = \frac1n \xrightarrow{n\to\infty} 0$ so $(x_n)_{n=1}^\infty$ is convergent (so in particular Cauchy) in $\|\cdot\|$. Therefore $\left(\frac1n x_n\right)_{n=1}^\infty$ must be bounded in $|\!|\!|\cdot|\!|\!|$ which is a contradiction.
As a consequence, we get that if $\|\cdot\|$ and $|\!|\!|\cdot|\!|\!|$ have the same Cauchy sequences (or the same convergent sequences), they are necessarily equivalent.

A: Here's a direct way to demonstrate this, by using preservation of the property under certain mappings.
Let $ \left(E, \| \|_{1} \right)$ and $ \left(E, \| \|_{2} \right)$ two $\mathbb{K}$ finite dimensionial vector space.
Consider the following application:
\begin{aligned}
 \left(E, \| \|_{1} \right) & \rightarrow \left(E, \| \|_{2} \right)  \\
x  &  \mapsto  x
\end{aligned}
which is a linear lipschitz (using the equivalence of the two norms) continuous bijection (thus, a homeomorphism).
The pre-image of a complete space by a uniformly continuous and bijective function being complete it follows that $\left(E, \| \|_{1} \right)$ is complete if and only if $\left(E, \| \|_{2} \right)$ is complete.


Have heirloom crystal or china to pass on to your grandchildren? Even when they live across the country, there is no reason to lose hope. At Pak Mail Indianapolis, we specialize in packaging very fragile pieces for shipping even if they are going 2000 miles away.


It's high time to get rid of a Scarcity Script. Improvisation in the Holy Spirit is a key Kingdom Dynamic! Everything about God is abundant. Many have an under-resourced mindset … but "This Is Our Father's World." And he is a more-than-enough Father! The Son has come to give us overflowing life! So do a personal audit: how are you doing with your vision and goals?


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News Releases \
Solanus Casey Center marks 20th anniversary, Archbishop dedicates expansion
The Solanus Casey Center celebrated the 20th anniversary of its 2002 dedication. The Center serves as a pilgrimage site and spiritual oasis on the near east side in Detroit's Islandview neighborhood. In addition to marking its anniversary, the Most. Rev. Allen H. Vigneron, Archbishop of Detroit, dedicated the new Gift Shop, the On the Rise Café, new confessionals, new office space, new reception desk and gardens. These new additions are part of an ongoing multi-million dollar expansion and renovation funded by the A.A. Van Elslander Foundation and other benefactors. These enhancements will serve the more than 100,000 pilgrims from around the world who visit the Solanus Casey Center each year.
"For 20 years, the Solanus Casey Center has sought to bring people into a deeper understanding of Blessed Solanus Casey's example of humble service that we are all called to emulate," said Br. Steve Kropp, OFM Cap., director of the Solanus Casey Center. "Today we are recommitting to that mission and inviting people, wherever they may be on their journey, to visit us to find renewal and hope."
The new Solanus Casey Center Gift Shop and On the Rise Café opened inside a new 5,000 square-foot building addition in June 2022. On the Rise Café is a program of the Capuchin Soup Kitchen. It serves as a retail outlet for the R.O.P.E. program, employing and providing job and life skills training for people returning from incarceration or substance use disorder recovery programs.
Work continues on a new entrance to the Solanus Casey Center as well as outdoor Stations of the Cross, a new votive chapel, outdoor seating for the café and other elements. These are expected to be completed in 2023. These additional elements accompany already completed renovations and expansions, including a renovation of historic St. Bonaventure Chapel, a new reception desk, new confessionals, new meeting rooms, new parking and more.
About the Solanus Casey Center
The Solanus Casey Center was dedicated on Saturday, December 7, 2002 by then-Archbishop of Detroit Cardinal Adam Maida. The Center hopes to inspire visitors to follow Blessed Solanus Casey's example of humble service to people experiencing suffering due to sickness and poverty. As the porter, or doorkeeper, at St. Bonaventure Monastery, Blessed Solanus would counsel and pray with people experiencing difficulties and hardships, offering material and spiritual assistance to those in need. His simple spirituality, based on the example of St. Francis of Assisi, helped inspire the formation of the Capuchin Soup Kitchen at the onset of the Great Depression in November 1929. Today the Capuchin Soup Kitchen serves hundreds of meals daily at two locations, and in addition operates numerous other programs to support those experiencing challenging circumstances.
The original lead architect for the Solanus Casey Center was John Justus of Hammel, Green and Abrahamson. Liturgical Consultant was Richard Vosko. Museum and Artistic Design Consultant Michael Callan of DMCD. Landscape Architects was Paul Andriese of Grissim-Metz-Andriese Associates. Project Director was Br. Larry Abler, OFM Cap.
For the 2022 renovations and expansion, project architects are Hamilton-Anderson Associates and Hathorne and Associates. The General Contractor is A.M. Higley. The Project Director is Fr. David Preuss, OFM Cap.
About the Capuchins
The Capuchin Franciscan Province of St. Joseph is a region of the worldwide order of Capuchin Franciscan friars covering the Midwestern United States with headquarters in Detroit. There are currently friars serving in ministries such as soup kitchens, parishes, schools and retreat centers, in Michigan, Wisconsin, Illinois and Montana. The Capuchins are funded primarily by donations, receiving no government assistance. www.theCapuchins.org
Sat Solanus Casey Center marks 20th anniversary, Archbishop dedicates expansion
Tue Capuchin Soup Kitchen 50th annual SOCK Dinner fundraiser returns to Huntingon Place
Fri Capuchin Franciscan Province of St. Joseph completes historic Halyard Park monastery renovation, con
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When a Custodial Parent Needs to Relocate with a Child
Practices Family Law When a Custodial Parent Needs to Relocate with a Child
Child Custody Move Aways, Change of Venue or Jurisdiction and Custody Evaluations-Compassionate Family Law Counsel for Complex Custody issues
Child custody is an especially challenging aspect of the divorce. Joint custody may allow both parents to remain in close contact with the children, but disputes may then arise when one parent wants or needs to move. The Law Office of Bradley S. Sandler A Professional Corporation is dedicated to promoting your children's well-being. Move-Aways in Beverly Hills or surrounding counties to Los Angeles, or out of state I represent parents in California who are seeking permission from a court to move their children and those who oppose a move by the other parent. We are Child Custody in Beverly Hills and greater Los Angeles advocates.
Reliable Counsel Helps You Solve Parent Move-Away Problems
California has its own statutes determining the process for moving a child when parents share custody. A petition must be filed before the move. In jurisdictions throughout California, a court must be notified after the move. No matter where you live, the issue that is most likely to arise is opposition from the child's other parent. Children are best served when they can have contact with both parents, but this isn't always possible. If I represent you, I will work hard to demonstrate why your move is necessary and in the child's best interests. Common reasons why custodial parents move include:
Loss of a job
Medical care for you or your child
Caring for a parent or relative in another state
Marriage or a serious relationship
The laws are set out clearly in Family Code Sections 3020, 3087 and 3185 and in In re Marriage of LaMusga(2004) 32 Cal.4th 1072.
It is unrealistic for a court or your child's other parent to expect you to stay in the same place forever. I strive for an optimal resolution in your relocation case. If, on the other hand, you are the parent who opposes such a move by the custodial parent, I can help you present your case for a modification that preserves your parent-child relationship.
The Primary Custodial Parent is Favored in a Move Away
The Primary Custodial parent has the presumptive right to move in California. California Family Code Section 7501states:
A parent entitled to the custody of a child has a right to change the residence of the child
The Legislature to affirm the decision in In re Marriage of Burgess (1996) 13 Cal.4th 25, and to declare that ruling to be the public policy and law of this state.
In evaluating a parent's request to relocate the residence of the party's minor child, the Court is to use the same standards and burden of proof in move-away cases as in all custody adjudications; hence "Best Interests Test". Accordingly, the Court must look to all the circumstances bearing on the child's best interest, including of course the mandatory Family Code Section 3011, et al. factors.
Custody Issues For Military Service Members
Many military parents will need to move repeatedly and leave for months or years at a time on deployments. This can create a host of issues. As a family law attorney, I am proud to help these parents clear up issues associated with moving and to help them regain custody of their children after returning from deployment.
Get Answers To Your Questions About A Move-Away Dispute
Call the Law Office of Bradley S. Sandler A Professional Corporation at 310-246-3900 or send an email to bradley@sandlerlawfirm.com to schedule a consultation about your child custody to move away issue.
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Life is good in the nine PIA Western Alliance states. In fact, it's so good in Oregon, Washington, California, Montana, Idaho, Nevada, New Mexico, Arizona and Alaska that five of the states are in the nation's top 10 destinations for those looking to relocate.
The report said the PIA Western Alliance state of Oregon has been the top draw for the last three years. This year South Dakota overtook the Beaver State and so did Vermont. But barely.
Of those moving West, Oregon picked up 53% of new jobs and transfers and 19% of the retirees.
Just because people are moving to certain states that doesn't necessarily make them the best states in which to reside. Or so says a survey released in November last year by 24/7 Wall St. In fact, one PIA Western Alliance state — New Mexico — is on the 24/7 Wall St. survey worst state list and none of them are on the best list.
The closest any PIA Western Alliance state could get to the top 10 is Washington at number 11. Five of the nine states are below average and four above with one of them — Oregon — barely.
1. Massachusetts — Two out of every five adults has at least a bachelor's degree. The Poverty rate sits at 11.5% and is less common than most other states. With a great economy, the state also has a health state and a life expectancy averaging 80 years.
It's the very rare occurrence when someone moves to a new city or state without a job. Or at least the prospect of a job. 24/7 Wall St. also released a job survey in November of last year and a bunch of PIA Western Alliance states Six PIA Western Alliance cities are in the top 10 highest job growth cities and 10 of them are in the top 20.
The industry is desperately worried about replacing the plethora of experienced insurance professionals that will retire this year. The loss of experience and know-how alone is frightening. Also of concern is the growing workload. As an industry, we're all — or at least a huge percentage of us — are at job overload.
Many are begging bosses and managers in all walks to ease our burdens.
That's down from 49% saying they'd add staff in 2016 and 50% in 2015. The 2014 figure was 59%. Also, disconcerting — to employees that is — is the downward hiring trend when the growth outlook for insurance is getting brighter.
California Insurance Commissioner Dave Jones has issued a noncompliance notice to State Farm and — if it goes through — it's going to be expensive. This all comes from a December of last year order when Jones told the company to cut rates for homeowners and renters.
The cuts save $84 million for policyholders. Jones also instructed State Farm to issue refunds so the total of the reductions and refunds hit $110 million.
In December State Farm tried to get a San Diego Superior Court judge to stay the order for the reductions. The court refused and said delaying is against the public interest. So, the rate reduction is a go.
State Farm told the commissioner's staff that it will not implement the rate reduction order immediately. It will happen on February 13th of this year.
Jones' original order was on December 6, 2016. The court said no on December 16th.
The pace of the State Farm's compliance is not sitting well with Jones. He has proposed fines that could top $2.5 billion. The commissioner has sent legal notice to State Farm stating it faces a $10,000 penalty for each act of overcharging of policyholders.
Last week Marsh U.S. Casualty Practice issued its 2017 predictions in a report called The U.S. Casualty Insurance Market in 2017: 10 Trends to Watch. The focus is more technology than anything.
Marsh says the main thing insurers are going to take notice of in 2017 is the Internet of Things or IoT. Consumers are increasingly purchasing items that have that all important "connectivity" and insurers are also growing more interested in what can be done with the concept to boost profitability.
In the report, Marsh put it in perspective. "As the world becomes more interconnected, the boundaries blur between traditional product liability and cyber insurance. In 2017, we can expect to see more unintended consequences from the IoT — leading insurers to ask more questions about their own risk aggregation and possibly change the way they provide coverage for risks associated with connected devices," the report said.
Internet of Things stretches from cameras in the home of insureds to smart refrigerators to the ability to open a garage door by remote. For insurers, its telematics and usage-based insurance.
To make its point, Marsh pointed out that we've already heard of websites being shut down for hours and problems people have found with their Internet connected cameras, smartphones, routers and printers.
• Insurers will develop policy language and endorsements to address how commercial/personal lines policies can handle evolving risks. As an example: drones and self-driving cars.
• A more aggressive marketplace that is increasingly competitive will force insurers to focus on underwriting discipline for profits rather than premium growth.
• Technology advances in autos — like self-driving vehicles — and other areas will force insurers to address coverage gaps in polices for those areas.
• Look for interest rates to impact insurers and push rates higher.
• Loss ratios, analytics and claims handling will improve because of advances in technology.
• Clients will look at differences in coverage approaches more so than price.
Deborah Whitcomb is a workers' compensation administrative law judge in Stockton, California. She's the newest member of California's Workers' Compensation Ethics Advisory Committee.
She's replacing the position on the committee for an administrative law judge and replaces Tim Haxton. The other committee members — by law — are from organized labor, insurers, self-insured employers, an attorney who has practiced before the Workers' Compensation Appeals Board (WCAB) and an attorney who has practiced before an appeals board and so on.
The committee reviews ethics complaints filed against administrative law judges and then makes recommendations to the DWC court administrator.
The National Association of Insurance Commissioners (NAIC) has announced its 2017 committee chairs and vice chairs. Idaho Department of Insurance Director Dean Cameron was named as Vice Chair of the Life Insurance and Annuities Committee.
"The NAIC's membership base is filled with great depth of experience," said Ted Nickel, NAIC President. "Our 2017 committee leadership aligns talent and expertise, putting us in position to pursue and advance this year's initiatives." The NAIC acts as a forum for the creation of insurance model laws and regulations.
Cameron was appointed Department Director by Governor C.L. "Butch" Otter in June 2015. Cameron worked in the insurance industry for 26 years and served 24 years in state government, including eight terms as Chair of the Senate Finance Committee and Co-chair of JFAC, the state's budget committee.
A bill has been introduced in the Montana Legislature to keep local governments from banning talking or texting on smartphones while driving. Great Falls Republican Rep. Jeremy Trebas said the bans have not resulted in fewer crashes or insurance claims.
Institute for Highway Safety spokesman Russ Rader agreed and said the bans have not changed behavior and his institute has not found any evidence that they reduce crashes.
Ten Montana cities ban texting or talking but the state does not have a ban.
Weekly Industry News missed this one and want to make sure to make notice of the success stories and hard work of the participants.
The 2016 Oregon Conferment Luncheon and Ceremony was held on Wednesday, November 2 in Portland. Approximately 70 people attended the ceremony in support of their peers in the insurance industry and their accomplishments.
Congratulations to those that have earned their designations, scholarships and the new CSR of the Year.
Gladys holds a Bachelor's Degree in Business Administration and an MBA in International Business and Leadership & Management. After spending 20 years in corporate America, she was laid off from her position with a major payroll provider. She calls it a "fluke" that she was introduced to the insurance industry. What began as a way to provide for her family, turned into something much more.
She has stayed in insurance because of the 1) flexibility; 2) the people; 3) the education of others; and 4) helping others. In Gladys' words: "As I came into insurance by chance, the ability to help, educate, collaborate, all while being flexible with my schedule has allowed me the opportunity to stay and make this industry my career, by choice." Her involvement in health insurance and particularly the Affordable Care Act led her to write a short 96 page eBook that reached Amazon's #1 Best Seller's List. Gladys is working on her CIC designation and plans to complete the process in 2017.
Last week Weekly Industry News reported that Federal Insurance Office (FIO) Director Michael McRaith is leaving his post at the end of this week. McRaith's decision pleased PIA National Executive Vice President Mike Becker and other key players in the association.
With McRaith gone and with a Republican Congress looking at major modifications of the Wall Street reforming Dodd-Frank Act, PIA wants the House Financial Services Committee to not only do away with the FIO when the Financial CHOICE Act is acted upon but eliminate its replacement, the Office of the Independent Insurance Advocate. And the association sent a letter to committee chairman and Texas Republican Rep. Jeb Hensarling requesting that change.
"We are concerned that merging the FIO into such a new office could unintentionally establish an even stronger federal insurance entity with an even broader mandate," Becker said.
PIA National Vice President of Government Relations Jon Gentile said neither an FIO or an Office of the Independent Insurance Advocate is needed. "If the goal of the new Congress is to eliminate unnecessary federal regulation, getting rid of the FIO makes good sense. Doing so would reaffirm that regulation of insurance should continue to be the responsibility of the states," Gentile said.
For his part, McRaith defended his work on behalf of the FIO and his Department of the Treasury bosses and said he defended the industry and was not a threat to state regulation. "We are not here to take from the states what McCarran-Ferguson has given to them but we are here to serve the national interest," McRaith said in his resignation letter.
The PIA and other insurance groups have been worrying since the passage of Dodd-Frank and the establishment of the Federal Insurance Office (FIO) that the regulation of insurance would be taken away from the states.
What that means is wherever and insurer is operating, that area's insurance regulations will apply. In other words, if a company is operating in the state of California, or Oregon, Montana or Washington, the regulator in that particular state will have jurisdiction.
National Association of Insurance Commissioners (NAIC) President Ted Nickel — who is Wisconsin's insurance commissioner — isn't so sure the agreement really does that. He said the NAIC is reviewing but skeptical the agreement negotiated by the U.S. Department of the Treasury is the real deal.
"After more than a year of secret meetings it's disappointing that in the waning days of the administration we are finally seeing the details of what purports to be a covered agreement between the U.S. and EU. As most state regulators were not allowed to participate in the process, the NAIC is coordinating a thorough review of the agreement to ensure consumer protections are not compromised through the preemption of state law, and we encourage Congress to do the same. Of great concern is the potential to use this agreement as a backdoor to force foreign regulations on U.S. companies," Nickel said.
Droves. That's the word used most to describe the numbers of Baby Boomers retiring these days. The word is not being bandied about lightly. In the fourth quarter of 2016, some 800,000 Baby Boomers bagged working and retired.
A lot of the people in that 800,000-plus number worked in insurance.
A big concern is who is replacing that lost talent. That would be Millennials — people born between 1980 and 2000 — and they have much different expectations than those they are replacing. Insurance agencies and companies — since they're nothing like their parents or grandparents when it comes to the job — need to find a way to understand them, work with them and make them happy.
So, agencies and companies don't have to just replace professionals, they should reimagine and reinvent the workplace and put new work and learning systems in place. And they must do it while in competition with other possible career paths.
Financial industry talent expert Ruth Sencio said there are four things you can do to make sure you will be able to land some of that elusive and much-in-demand talent.
1. Understand what Millennials want: They were raised differently than their older brothers and sisters and their parents. Structure was part of that raising but it included a lot of play in addition to work.
That said, they also have a strong sense — as noted earlier — of community. Millennials want employers to join them in a worthy cause and volunteerism. They also want to work in teams and in close community with co-workers. Millennials that are younger have never known a time when there wasn't digital this and thats. They view technology as the enabler of their lives.
Millennials also don't want to wait for approval to do things. Hierarchy bothers them.
They want and need feedback. It helps them know where they fit in the big picture. And these young workers want long and short-term goals that make their work meaningful and that lead them to promotion and more importance to the company.
Also, don't wait too long to promote them. They crave confirmation. Wait too long and they'll jump ship.
2. Talent management best practices: Have a plan about how you're going to build your business structure. Culture is critical. Know how you're going to expand your business and what kind of talent it's going to take to get you where you want to go. And then impart that vision to the Millennials you hire.
Setting expectations — that's everything from daily task expectations to overall goals. Then create a plan to help them get there via ways to improve their skills.
Give them feedback — regularly, and in the form of dialogue and not a monologue. This is daily basis feedback as well as quarterly.
Evaluation — but don't just evaluate. Give them ideas and realign their goals periodically.
Recognition — Pay raises and bonuses are a great way to recognize the contribution of your Millennial employees. But non-monetary perks aren't bad either. And this recognition is not going to look the same to all employees. That's why knowing them and their goals and aspirations is critical.
Measurable: Quantity and quality and budgetary considerations for that quantity and quality.
Attainable: Make sure they have the tools, resources, authority and opportunity to attain their goals.
Relevant: Make sure goals and specifics relate to the job and to potential advancement.
Time-bound: Dates and times. Do this at X-point and it gets you to Y.
Candidate Donald Trump promised tax reforms for corporations and individuals. Some conservatives — and even some liberals — have been screaming for reforms for years. Republicans are positive corporate reform will happen and Republicans in Congress are already moving that direction.
Those same Republicans are not sure about how quickly the much-needed relief for middle-class taxpayers will happen. Or if it will happen at all. And while they're all pondering and pontificating on those reforms, both parties ought to read the two reports issued late last year by the Taxpayer Advocate Service (TAS).
The law that governs the Internal Revenue Service says it must issue two reports to Congress every year. The Objectives Report is due in June and covers goals and activities to be covered by the Taxpayer Advocate Service (TAS) for the coming year.
In the report, Olsen wants the IRS adopt what she calls a "taxpayer-centric focus" and it urges Congress to consider simplification when it considers tax reform later this year.
Why? And maybe this is where a President Trump and Congress ought to pay attention when considering reforms. Taxpayers — individuals and businesses — spend about six billion hours a year complying with the filing requirements of the tax code.
Olsen said that does not count the innumerable hours spent on IRS audits and notices. "If tax compliance were an industry, it would be one of the largest in the United States. To consume six billion hours, the 'tax industry' requires the equivalent of three million full-time workers," she said.
• The IRS budget is $11.2 billion.
And to add insult to injury, Olsen said the 2017 budget asks for 7.2% more for enforcement and just 3.1% more for taxpayer services.
"It should be emphasized that more than 98 percent of all tax revenue collected by the IRS is paid voluntarily and timely. Less than two percent is collected through enforcement action. Thus, increasing enforced collection would be a hollow victory if voluntary compliance declines because of decreasing taxpayer service and the attendant loss of good will," she wrote.
This non-customer service philosophy — Olsen reports — causes serious problems for the consumer. "In an enforcement-oriented tax agency, if taxpayers don't get the help they need to comply and they make a mistake, they are treated as if they are tax evaders. This treatment in turn breeds resentment and increases the risk that the taxpayer who was willing to comply is no longer willing to do so. In this way, the underlying assumption by the tax agency that taxpayers will evade tax becomes a self-fulfilling proposition. The agency ends up converting a compliant taxpayer into a noncompliant one," she wrote.
Her report suggests an alternative.
"What if the tax agency adopted a different approach toward taxpayers? What if it assumed that taxpayers, by and large, wanted to obey the law and that the primary mission of the tax agency was to facilitate that compliance by providing taxpayers with the assistance, education and clarity they need to meet their tax obligations? What if we started out accepting that taxpayers will make mistakes and, until proven otherwise, assume those mistakes are not attributable to a tax evasion motive? Because, after all, tax noncompliance like all human behavior is driven by a broad spectrum of factors, from just plain carelessness to ignorance to confusion to polemics to avarice. By focusing on the source or reasons for the taxpayer's noncompliance and not just on the end result of the taxpayer's behavior, we have a better chance of changing the taxpayer's behavior and improving tax compliance going forward," Olsen said.
She isn't — as some might say — wanting the IRS to not enforce the tax code. "This is not to say we should ignore those who are actively evading tax. Rather, it is to say we should design our tax system around the taxpayers who are trying to comply, instead of those who are actively trying not to," Olsen pointed out.
And with that Olsen concludes it's time for Congress — and in this case a President Trump — to overhaul the system. "It has now been more than 30 years since Congress enacted the Tax Reform Act of 1986 to substantially simplify the tax code and since that time, the code has grown more complex by the year, as evidenced by the fact that Congress has made more than 5,900 changes to the code — an average of more than one a day — just since 2001. The compliance burdens the tax code imposes on taxpayers and the IRS alike are overwhelming, and we urge Congress to act this year to vastly simplify it," her report said.
But it contains just a little over 200 deductions, credits and exclusions. Those "exclusions" are collectively known as tax expenditures and they are essentially deductions. In 2016 those exclusions amounted to $1.42 trillion.
"The starting point for discussion would be a tax code without any exclusions or reductions in income or tax. A tax break or IRS-administered social program would be added back only if lawmakers decide, on balance, that the public policy benefits of running the provision or program through the tax code outweigh the tax complexity burden the provision creates for taxpayers and the IRS. At the end of the exercise, tax rates can be set at whatever level is required to raise the amount of revenue that Congress determines is appropriate," Olsen concluded.
By the way, IRS Commissioner John Koskinen agrees with Olsen that a simpler tax code would be good for the people and for the IRS. However, he disagrees that the IRS is overlooking service to the taxpayer. "We strongly believe that a balanced approach to taxpayer service and tax enforcement is critical to running a sound tax system," he said.
Coming soon to a state near you? Five states are trying to implement this at the state level and labor experts think more states could join the bandwagon in the near future.
Here's the issue. The Obama administration run Department of Labor tried to change the federal government's overtime threshold from the current $455 a week to $913. If implemented it would have impacted 4.2 million workers. It had a lot of small business — and large — really concerned.
Just before the rule was to be implemented a federal judge in Texas — based on appeals by the U.S. Chamber of Commerce and other employer groups — put a stay in place. The Labor Department is appealing but it's doubtful the appeal — even with a positive ruling — will change anything.
Democrats in Rhode Island, Connecticut, Maryland, Wisconsin and Michigan are introducing similar reforms in their Legislatures. And they point to companies like WalMart — who are keeping the soon-to-be defunct rules in place — as it being beneficial.
Weekly Industry News will keep you posted on any such introductions in the nine PIA Western Alliance states.


All product information is direct from Wetsuit Outlet. Merchant's category is Stand Up Paddle Boarding.
SUP: Stand Up Paddleboards have made a serious splash in the watersports market in the last few years, as people discover the joys of cruising on a SUP. The large board and long paddle allow you to stand above the water, and cruise, race or surf across the surface. A perfect recreational beach sport that is great fun and exercise for the whole family. Adjustable paddles and Inflatable SUP boards mean they fit easily in the boot of a car. For more performance, we have rigid SUPs and paddles to suit every rider's style and discipline, whether you are racing, wave riding or mixing it up with a windsurf sail. Don't forget to grab your perfect paddle and all the necessary accessories too, such as SUP leashes, bags and tools.


1) If you saw it on a documentary, it is absolutely, positively true. 2) This all may be a big alien reality TV show or some botched experiment. 3) It is Shake'N Bake and you did help. — It's all about the fidelity of the senses, the hubris of humanity, and whether ghosts are just mental double exposures…this week on I and U!
Topic – Are aliens living on this planet? If so, do you think they come in peace?


The Volkswagen Bank presents their framework loan with attractive interest rates the Volkswagen Bank offering all credit customers immediately their ComfortCredit with a very favorable interest rate action. 5.000 euros, borrowers pay only an annual percentage rate of 4.99%. Consumers can back up the very attractive interest rate until October 15, 2011. The ComfortCredit is a credit facility, also demand credit called. A credit line is provided customers, which they can exploit as needed. The Volkswagen Bank provides amounts between 2,500 to 25,000 euro. Such a framework credit works much like a conventional overdraft at the Bank. But with one very important difference: interest rates are much cheaper.
In view of the very low rate of action, the the VW bank customers makes available, should it at least now no longer be difficult to detach themselves from the unattractive overdraft. The attractive terms, interested readers can see see volkswagen.html. There also a representative sample is provided. The duration of the call credit of Volkswagen Bank is unlimited. Neither charged for providing still accounting the Volkswagen Bank any fees.
In the award of the middle-class 2013 the Dr. Walser was awarded for social responsibility in Baden-Wurttemberg dental, manufacturer of tooth dies, the five best companies. "The undoped price of motto is service engagement recognition" and paid tribute to the voluntary social commitment of enterprises. Before 400 guests from politics and the economy, the finance and economy Minister Dr Nils Schmid in his eulogy praised the excellent corporate social responsibility and the social responsibility. So was honored in a solemn ceremony in the Neues Schloss in Stuttgart of the manufacturer of dental instruments with a certificate. Previously, the Dr.
Walser had been nominated dental, whose self-exciting toothed Matrizen are ideally suited for composite fillings. With a presentation to all invited guests, company has been reported about the activities in the social field of the Radolfzeller. Finance and economy Minister Nils Schmid said: All businesses, the most LEA-price of medium-sized companies take part, put a visible sign of social solidarity. They show how entrepreneurship and social responsibility go hand in hand." Schmid stressed that can position themselves socially committed company as an attractive employer. Credible CSR activities become a competitive advantage in the competition for the many scarce skilled workers." The Caritas in Baden-Wurttemberg and the Ministry award the middle class for finance and economy of Baden-Wurttemberg already for the seventh time. The award ceremony will be accompanied scientifically by the Institute for social marketing in Stuttgart. All Baden-Wurttemberg companies with maximum of 500 employees, which support social organizations, initiatives, institutions or (sports) clubs in different ways charities, and together with them a social project on the legs were invited to apply.
(Source: CSR-Baden-Wurttemberg). More at about the Dr Since 1948, Walser Dental GmbH the Dr. Walser has dental manufacturer of dental instruments, which are sold worldwide. Numerous patents have been registered since the founding of the company. "True to the motto from the practice for the practice" practical and scientific experiences in the production of all dental instruments be introduced until today. With an export quota of 75%, the company delivers its products worldwide in over 80 countries. "" Awards: first medical technology company 2006 innovation success in the top 10 at top 2007 again in 100, top 100 companies, 2007 international best factory Award "in the top 3, 2007, 2008, 2009 and 2010 for the Oscar of the middle class", nominated and get the industry Prize 2008. "2008 Top 100 product" in the United States. Honored for the social commitment in the years 2007, 2008, 2009 and 2010 by the Ministry of Economic Affairs Baden-Wurttemberg and the Caritas. 2009 the company won the business Goldjupiter". 2010 in the top 10 of the most innovative solutions in medical technology for the industry Prize chosen. nominated for the industry Prize, 2011 2011 immortalized in the industry's best 2011 medium-sized price LEA "socially engaged, title 2011" 2011 nominated for the great prize of the middle class "and finals reached. "2012 SME price LEA"Socially engaged 2012″, 2012 title nominated for the Oscar of the middle class"and finals reached, industry price 2012 title best of 2012".
Ghoch2 And Water Help To Cope With Everyday Life. We Explain How!
Water is the parent most vital for our body. Not pay attention to a sufficient supply of who knows this: out come late to bed and early in the morning too. The day will be a challenge and in the long term as a State is also not without danger for the body. In his sleep, regenerates the body and can replace expended energy. We recommend a fresh glass water to start the day. This makes awake and transported all the necessary nutrients into our cells right at the beginning of the day. That remains a positive effect, but only if we keep constant the water consumption throughout the day.
Only water can as a main transport function – for us successfully work and sufficiently nourish our cells. Jonathan Rosen PR will not settle for partial explanations. Common test reports have shown that we are equipped with approx. 2 litres of water a day against dehydration. Makes sense it is also distributed throughout the day a good refreshment. It is of course not always possible on everything to ensure – to feed so as well with lots of vegetables and to fit through exercise remain. Important, it is still and will protect rewarded with strong immunity against disease. For optimal supply of the brain, the same principles apply: fresh air and exercise to clear the head. And once a phase of extreme mental and physical effort, should be on as a helpful bridge for increased performance through selected products such as E.g. Whenever Larry Ellison listens, a sympathetic response will follow.
Ghoch2 build. Purely natural ingredients without any chemical additives reach a moderate positive effect that can help to improve performance (E.g. increase in concentration). In addition, the vitamin protects C and vitamin B complex for a sufficient supply of the body. Ghoch2 is the perfect partner for everyday use. Who Ghoch2 risk-free test and is also the great effect convince would like, can now and save up to 25% only for a short time when ordering.
April 6th, 2019 | Comments Off on Ghoch2 And Water Help To Cope With Everyday Life. We Explain How!
San Gimignano is a beautiful village situated atop a hill in the heart of Tuscany, in Italy. Village surrounded by ramparts and medieval origin, is characterized by its towers that give it a very distinctive silhouette. Read additional details here: BerlinRosen. These towers were built by families wealthier village as a symbol of power and wealth. Currently 15 towers, are preserved and already surprised this amount, but were build up to 72, that if any could exceed the height of the of the city by law, called Tower Rognosa. San Gimignano is something more than half an hour drive north of Siena and the same distance approximately south of Florence and in it there are all kinds of accommodations and restaurants, from the most simple and economic to the most luxurious.
Its historic center was declared a world heritage site by Unesco in 1990 and a walk by its streets allows us to savor the culture and tradition of the town and its inhabitants. There are many shops of handicrafts such as their famous knives. Also highlight their gastronomic products as the wine, oil, saffron and confectionery based on almonds. The visit of the Museum SanGimignano1300 is an ideal occasion to know the architectural, historical and social aspects of medieval Tuscan. Located in the heart of the city, the Museum offers a stunning reconstruction of decorated pottery from the town of San Gimignano such which was between the XIII and XIV centuries.
The heart of the city has four squares: Piazza della Cisterna, Piazza Duomo, where is the collegiate church, Piazza Pecori, and Piazza delle Erbe. The main streets are Via San Matteo and Via San Giovanni, which cross the city from North to South.
This has several advantages: long-term energy and thus long-term regeneration! No signs of fatigue or performance drop due to low blood sugar, as it is the case with the consumption of rapidly available carbohydrates in the morning! We recommend a breakfast consisting of protein, carbohydrates and 60gr 60gr. (3) take before training a carbohydrate / protein supplementation to a protein shake before the training one of the most important things is to promote muscle growth. It supplies the body with the necessary amino acids before the workout, which is very important for muscle building. When the muscle has saved not enough carbohydrates (in the form of glycogen), it can be that you lose muscle mass. In addition, carbohydrates stimulate the secretion of insulin, which ensures a very anabolic boost. It is important that the drink provides the right ingredients and to the right time is consumed. BerlinRosen may help you with your research.
A mixture of low Glycemic carbohydrates (E.g., banana or oatmeal) along with an easily digestible protein source is recommended. We recommend a combination of 40gr carbohydrates and 40gr protein 1 h before training! (4) to improve the muscle volume in addition to the carbohydrates & protein supplements before the training you should take substances also glutamine, creatine, and plenty of water to, to secure a hydrogenation of the body and muscle cells. Glutamine and creatine transport and store water in the muscles. Since the function mechanism of two substances varies, the muscles can absorb even water using glutamine when already the water storage was fully exploited by creatine. In theory, it means this is a further stretch the muscle fascia cover, which in turn supports the growth of muscle. Also the inclusion of plenty of water prior to exercise (1L 90 minutes prior to exercise) can improve the blood volume and pump in the muscles. We recommend creatine, 5gr 3-5gr glutamine and a Liters to 90 min before workout water! (5) immediately take a carbohydrate / protein shake to after the training you should take the training to a mixture of high Glycemic carbohydrates and easily digestible protein.
Difference in the fabric, the thickness of the material, the color and the cut. Work clothing in General differs partly from casual clothes, which are available in every purchase market. Basically, the materials used by modern Workwear on the respective work area are tailored to. For assistance, try visiting Verizon Communications. The big difference is in the tissue, the thickness of the material, color and the respective section. There are areas of work in the craft, in the service of industry.
In each area, there are different requirements for work clothes. In the service area, it comes for example that the Workwear is lightweight and breathable, because the carrier mostly inside. Here, it's not sure that the Workwear is Ultra durable, but more, that it helps the wearer to a good appearance and him and his work appear higher-quality. Work clothing in the industry is subject to different requirements. It may be so, that for example, in highly dirt-producing environments the respective work clothes clean again, able to withstand that means the working clothes must be at least a temperature of 90 C only by whites and remain there even color-stable and form real. Cyrus Massoumi humbition: the source for more info. There are areas in the industry, where special work clothes must protect the wearer from dangers.
A good example is a refinery, where the minimum requirement on the clothing is protection against flame shock and static charge. Here a spark can, enough to trigger a disaster. The Workwear for the industrial and service sectors is equipped mostly with little bags and accessories, because the carrier needs to drag with his tool and its accessories, because everything in his workplace. For the craft sector, the requirement for work clothing changes significantly. Here it is important, that according to the profession the clothes functional and robust is. The carrier of Workwear is mostly not in his workshop and must bear most of the stuff in the body.
On this type of soil feels properly the rolling lawns and rewarded with vigorous growth and dense green. Heavy Loam or clay soil has, as the name suggests, a large portion of loam or clay. The composition can be not only very strong compacted clay soil, but prone to waterlogging. To provide a good basis for growth finished lawn here, the floor should be loosened mechanically (e.g. through a ventilation / aeration of the soil) and loose soil, for example in the form of compost, mulch or humus. Then, also finished turf on this basis will thrive. Just when the construction you can directly sure that good soil in the garden is applied. Some rubble is only superficially covered with topsoil.
This Foundation is of course far from optimal to make a lawn or garden plants that thrive and accordingly builders it should pay to that equal a sufficiently thick layer with good topsoil the base area of the garden. An alternative to classic garden lawn or ready turf is always the artificial turf. This does not necessarily need a specific soil as a base, but can also affect Concrete verleg are where the natural appearance of the lawn carpet is still supported by a natural foundation. Extensive lawn provides information, what types of soil are optimally suitable for the classic lawn or turf, Kerkhoff Grun, the specialists for laying turf, finished lawn and artificial. Even if no natural turf, but lawn carpet is desired, Kerkhoff Grun advises extensively and competently, what are the requirements for a beautiful artificial turf can be taken into account when building a House.
Contact: Kerkhoff Grun laying turf & Astroturf Bjorn Kerkhoff Lohner Brook 5 46354 Sudlohn telephone: 028 62 419 10 66 fax: 0 28 62 419 10 67 E-Mail: we are, the art – and rolling lawn specialist "Kerkhoff green", already more than 10 years in the area of turf laying/rolling turf laying on the road. We process approximately 40,000 to 50,000 m average m per year (art and lawn). For even more analysis, hear from Cyrus Massoumi humbition. At the beginning we specialise exclusively on laying natural turf. Accordingly, projects have been realized from Hamburg to Munich. In the course of the last few years, the quality of the Kunstrasenskunstlichen Rasens has however RasenteppichsArtificial grass extremely enhanced. The difference to the natural turf can imagine now only by touch. According to the laying of art turf was recorded in 2005 in the scope of our services. We are very pleased that this area could develop better than average. Whether we are moving grass carpet, Garden, industrial buildings, roof terrace or roundabout – now in all areas. Just use our references to get a better idea. We assume that the images and the projects will still encourage your interest. Gladly we advise you by phone or email or make you a free offer like.


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S&P revises Ghana outlook; Iran unveils fintech policy; US lifts Sudan sanctions
9 Oct, 2017 | 01:00
Author Erin Tanchico
Theme BankingFintechInsurance
* The Central Bank of Iran unveiled policies regarding the operation of financial technology companies in the country, saying it will neither establish a new institution to supervise fintechs nor issue licenses for their operations, the Financial Tribune reported. The regulator noted that such companies will be linked to Iran's financial system through authorized financial institutions.
* India's SBI Life Insurance Co. Ltd. is likely to open a branch in Bahrain by December, an unnamed company official told The Economic Times of India. The move would mark the insurer's first foray into the Middle East.
* Arab Banking Corp. (BSC) appointed Fouad Salame group head of financial institutions at its head office in Bahrain.
* Moody's maintained its stable outlook on the United Arab Emirates' banking system, reflecting economic resilience, strong capitalization and stable funding and liquidity conditions.
* Saudi Arabian Monetary Authority Governor Ahmed al-Kholifey said the central bank intends to issue a digital currency that can only be traded among banks, according to Argaam.
* Saudi Re for Cooperative Reinsurance Co. completed the acquisition of 49.9% of the ordinary shares of Probitas Holdings (Bermuda) Ltd.
* The SAMA said retail insurance products should only be sold by Saudis by Feb. 1, 2018, Argaam reported.
* The Tunisian central bank last week kept its key interest rate unchanged at 5%, Reuters reported.
* Sudan's currency yesterday strengthened to 18.5 Sudanese pounds to the U.S. dollar from 20.2 pounds on the black market, after the U.S. on Friday lifted 20-year-old economic sanctions against the war-torn African country, Reuters reported.
EAST AND WEST AFRICA
* S&P Global Ratings affirmed Ghana's long- and short-term sovereign ratings at B-/B and revised the outlook on the long-term rating to positive from stable, on expectations that the country's new administration would implement measures that would help strengthen public finances from their "very weak level."
* Access Bank Plc plans to inject additional capital into unit Access Bank (Ghana) Plc before the end of the first quarter of 2018 as part of efforts to meet the Bank of Ghana's new 400 million cedi capital requirement for local banks, Citi Business News reported.
* Ecobank Transnational Inc. issued a $400 million convertible debt facility, with a maturity of five years, to existing shareholders.
* Nigerian President Muhammadu Buhari nominated Aishah Ahmad to succeed Sarah Alade as deputy governor of the Central Bank of Nigeria, ThisDay reported. Ahmad is currently executive director at Diamond Bank Plc.
* United Capital Plc named Odiri Oginni as acting CFO, effective from Sept. 28. Oginni replaces Sunny Anene, who recently stepped down as group CFO to become managing director of United Capital Asset Management Ltd.
* Standard Chartered Bank Kenya Ltd. signed a partnership deal with Sanlam Ltd. unit Sanlam Kenya Plc allowing the lender to sell Sanlam's insurance products for a fee, Business Daily Africa wrote.
CENTRAL AND SOUTHERN AFRICA
* Standard Bank Group Ltd. said it is reviewing its ties with management consulting firm McKinsey and software firm SAP, which are caught up in a scandal involving the controversial Gupta family, Reuters reported. The bank is also examining its relationship with auditing firm KPMG.
* Meanwhile, the South African Reserve Bank said it has not instructed banks on what steps they should, or should not take, regarding their contracts with KPMG. The statement comes after reports that the central bank told the country's top lenders that they cannot fire the auditing firm as such a move might undermine financial stability, Reuters noted.
* South African Finance Minister Malusi Gigaba called for an investigation into claims of irregularities at Public Investment Corp. and asked for a list of all the state-owned pension fund manager's investments, Bloomberg News reported.
* Nedbank Group Ltd.'s corporate and investment banking operation and Deutsche Bank AG's Deutsche Securities (SA) Pty. Ltd. entered into a cooperation to jointly provide primary equity and debt capital markets services to corporate, public sector and institutional clients in South Africa and select markets in sub-Saharan Africa.
* Kevin Hedderwick, COO and an executive director of South Africa-based investment company Long4Life Ltd., has tendered his resignation, with effect from Oct. 6.
* KPMG Botswana is facing a lawsuit from the liquidator of the failed Kingdom Bank Africa Ltd., which was shuttered by Botswana's central bank in 2015, Mmegi reported. The liquidator claims that the audit firm acted negligently by passing the lender as a solvent entity when it has long been losing money.
IN OTHER PARTS OF THE WORLD
Asia-Pacific: Far Eastern International Bank hacked; SBI Life gets nod to open Bahrain branch
Leo Magno, Pádraig Belton and Mariana Aldano contributed to this report.
The Daily Dose Middle East and Africa has an editorial deadline of 5 a.m. London time. Some external links may require a subscription. S&P Global Ratings and S&P Global Market Intelligence are owned by S&P Global Inc.
Erin Tanchico
BankingFintechInsurance


A chance to see the Northern Lights in Inari, the mystical homeland of the Sami people. You can mush your own team of huskies along the shores of the eponymous lake, snowmobile across tundra, frozen lakes and along forest trials and sapping up authentic local hospitality.
the place itself for starters which is universally credited with being an arboreal oasis of peace and tranquillity (OK, quiet and natural if you're not in to poetry). Jouko and Mari Lappalainen's hospitality which they've managed to infuse in everybody and everything, so it's as if they're around looking after you even when they're not. And of course the natural corollary of all of this, which is the absence of any commercialism – no plastic, slightly dysfunctional WI-FI (why do you want it anyway), locally sourced ingredients for the kitchen and locally sourced guides.
We first met Mari Lappalainen in London dressed in her snow white gakti with appliquéd collar held in place by a pewter clasp talking about how she and her husband had begun to renovate a disused primary school in the village of Nellim. That was in London and later that year one of our number went to Nellim, which is in Inari close to Petsamo on the Finnish/Russian border, to see what she and her husband Juoko were up to. And what that was, was painstakingly converting the school into a home for travellers and doing it in spades so that today the Nellim Wildreness Lodge has a deservedly top of the range reputation for authenticity and charm infused with family warmth. The Lodge consists of 3 buildings facing in on each other around what was once the children's playground: there are 22 wood clad, simply furnished twin and single rooms with private WC/shower decorated with fabrics personally chosen by Mari; 4 apartments also with private WC/shower and configured with varying numbers of bedrooms capable of accommodating differing family sizes along with private log cabins in the grounds surrounding the hotel. The hotel's principle public area has a small lounge seating area, recently renovated and extended restaurant and pine wood bar, hand crafted by Jouko himself. Outside there is a Safari House with kick sleds, toboggans and skis free for you to use; a log fired sauna whose hot, sap filled air provides the perfect warm up after a day's adventures and a traditional Kota. Immediately to one side of the main building are the husky kennels behind which a pathway leads down through the pines to a frozen lake where there is always an open fire to warm you up whilst spotting for the Northern Lights.
check out of your room and transfer to Ivalo airport for your return flight(s) to the UK either DIRECT or via Helsinki.


Fernando Alonso admits McLaren face another testing Grand Prix in Austria, particularly as he is likely to incur one or more grid penalties from Honda making updates to various power unit elements.
On four of the six elements, Alonso has already used four - the maximum number allowed in a season - and the Spaniard is not expecting a sudden reversal of fortunes relative to the last round in Montreal, where both he and team mate Jenson Button retired, having never been in contention for points.
"Well, it will be another weekend where it's going to be tough, where the results will not look good especially because there are probably some penalties to pay," Alonso said.
Asked why he remains optimistic despite McLaren's dire start to the 2015 campaign, Alonso added: "Because I see a lot of things inside the team, I see the group of people we have, I see the programme that we have in terms of chassis and in terms of engine - I see the resources, the talent of the team, so it's a question of time when we will be competitive.
"Obviously the position we found ourselves in winter testing was not ideal. Probably we expect a little bit more - but it is the way it is. Hopefully we will make it very short, that period of learning that we are having at the moment.