Wednesday, January 27, 2016

On Sunday, Manchester United announced the loan of their Spanish goalkeeper Víctor Valdés to Belgian club Standard Liège for the rest of the season.

Last year, Valdés signed an 18-month contract with the English club, but the three-time UEFA Champions League winner was given very little opportunity at Old Trafford. He made only two appearances for The Reds last season, after David de Gea was injured. Relations between Manchester United manager Louis van Gaal and Valdés were not good. Van Gaal did not pick him for the pre-season tour to the United States, saying Valdés was unwilling to play a game with the under-21 team.

This season, Valdés was not allowed in the locker room, and van Gaal prevented him from training with the main squad and the under-21 team. The official team photograph omitted him.

Valdés was a member of Spain’s squad for the World Cup in 2010 and for Euro 2012, collecting a winner’s medal both times. Per Manchester United’s statement, “Manchester United and Standard Liege have reached agreement for the temporary transfer of goalkeeper Victor Valdes, effective until the end of the current season. The deal is subject to formalities being completed.”

On Instagram, he posted a photo that read “Thank you all for your support during these months of hard work for me, i will never forget! See you soon!”

Retrieved from “https://en.wikinews.org/w/index.php?title=Víctor_Valdés_to_play_in_Belgian_Pro_League;_Manchester_United_loans_Valdés_to_Standard_Liège_till_season_end&oldid=4548151”
Posted in Uncategorized

Saturday, April 17, 2010

Journalist, counselor, painter, and US 2012 Presidential candidate Joe Schriner of Cleveland, Ohio took some time to discuss his campaign with Wikinews in an interview.

Schriner previously ran for president in 2000, 2004, and 2008, but failed to gain much traction in the races. He announced his candidacy for the 2012 race immediately following the 2008 election. Schriner refers to himself as the “Average Joe” candidate, and advocates a pro-life and pro-environmentalist platform. He has been the subject of numerous newspaper articles, and has published public policy papers exploring solutions to American issues.

Wikinews reporter William Saturn? talks with Schriner and discusses his campaign.

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_interviews_Joe_Schriner,_Independent_U.S._presidential_candidate&oldid=4497624”
Posted in Uncategorized

How to Plan for your Retirement?

by

SJ Chartered Accountant

How to Plan for your Retirement?

The decisions you make when planning your retirement can greatly affect your quality of life throughout your retirement and the financial resources you can make available to your heirs.

Hence, it s very important to consider the proper planning of your retirement, available options of pre investing the existing savings and the time frame to decide when and how much you would be able to use it when required.

Saving for your retirement

Start planning and saving for retirement at least 15 years before you plan to retire and consider topping up your RRSP and using the tax refund to pay down your mortgage. RRSP is one of the best available retirement savings vehicles. It allows you to set aside money and to defer the taxes you would otherwise pay on it. Try to contribute as much as possible, and do so early in the year so your contribution can earn tax-sheltered income for the entire year.

Getting ready to retire

[youtube]http://www.youtube.com/watch?v=wQfZhtMYeys[/youtube]

As you are close to retirement, you should update your net worth statement to get a clear picture of your potential retirement income resource. Prepare detailed cash flow forecasts to project changes in your expenses and sources of income as you get older. Reconsider your investment strategy as you are near to retirement, watch out the unintended consequences of the sale of asset, and be sure to investigate the existing death benefit and the survivors benefits available on your death. When you are assessing the various options, always remember that the longer the potential payout period, the lower the pension payment . You can receive pension benefits under defined pension plans at the same time under the same or another plan.

Be aware of government assistance for retirees :

?Canada Pension plan/Quebec Pension plan benefits.

?Old age Security benefits and the OAS claw back: delay or defer income until 2011 where possible to minimize the OAS claw back.

?Cross boarder payments of CPP/QPP, OAS and U.S social security benefits.

Pension income credit: aim for least $2000 of pension income annually for both spouses

?Pension income splitting: file a joint election to split pension income with your spouse.

?Integrating government assistance with your pension benefits.

Maturing your RRSP

Use the easiest routes for getting your money out of an RRSP.

?Top up your RRSP before the end of the year in which you turn 71.

?Withdraw the funds and pay the tax

?Convert your RRSP to RRIF or annuity at the end of the year in which you turn 71.

?Contribute excess after-tax RRIF or annuity income to your TFSA.

Cross border retirement planning

You should consider the various tax implications of country before deciding upon the retirement. The other country should be a key factor in your decision about where to retire comparing the taxation of your investment and pension income in Canada. If you have lived and worked in both countries, you may have built up retirement assets on both sides of the border.

Shailendra Jain;SJ Chartered Accountant; Serving Mississauga, Toronto, Etobicoke for Tax, Accounting, Audit and Advisory. http://www.jainfinancial.cominfo@jainfinancial.comPh: 416-622-1221

Article Source:

ArticleRich.com

Posted in Real Estate

Friday, July 1, 2005

In the wake of a United States Supreme Court ruling in Kelo v. New London on eminent domain last week, a California man has proposed that Justice David Souter‘s New Hampshire home be seized by the state and a hotel be built on the site. Logan Darrow Clements faxed a letter to town officials in Weare, New Hampshire June 28, 2005 that justified the action as such:

“The justification for such an eminent domain action is that our hotel will better serve the public interest as it will bring in economic development and higher tax revenue to Weare.”

Justice Souter, who was in the majority ruling in the Kelo case, has lived at the farmhouse in Weare since he was 11 years old. Clements indicated that it was necessary to build on that location because “it is a unique site being the home of someone largely responsible for destroying property rights for all Americans.” The action has given rise to a great deal of support nationwide, as many are writing to the councilors of the small town of Weare to voice their approval for the proposal.

The proposal for the “Lost Liberty Hotel“, as it is to be called, features a number of components which seem to focus on the libertarian leanings of its designer. A dining room, called the “Just Desserts Cafe” and a museum based on the “loss of freedom in America” are two such components. Instead of a Bible provided by the Gideons (a standard item placed in most American hotel rooms), each guest will receive a free copy of Ayn Rand‘s novel Atlas Shrugged.

Retrieved from “https://en.wikinews.org/w/index.php?title=Man_calls_for_seizure_of_Justice_Souter_home,_under_eminent_domain_ruling&oldid=1874934”
Posted in Uncategorized

Tuesday, August 16, 2011

A new law which seeks to utilise reusable energy and minimise cost impact on consumers is under development in Japan. The new law, which would be effective from July 1 next year, would seek to reduce Japan’s dependency on nuclear power.

The new legislation would urge power utilities to cut costs by purchasing renewable energy from outside companies and private businesses. Japan’s decision has been referred to as opening the door on renewable energy, which currently only contributes to six percent of Japan’s energy sources.

Politicians have amended the bill, allowing the revised bill to pass through parliament later this month. Prime Minister Naoto Kan who is pushing for the bill to be passed in return for his resignation, has stated that the ‘feed-in-tariff on renewable energy will be set at a fixed price so that utilities are limited to purchasing electricity from renewable power generators. Kan hopes that this will encourage more business and private corporate partners to enter into the renewable energy market.

“As a medium-term revolutionary energy and environmental strategy, we have decided to start a thorough review of nuclear power policy and draw a roadmap for a reduction of the dependence on nuclear power” Mr Kan said.

Large companies are concerned about the new legislation as it will continue to affect profit margins which are low due to power shortages and high priced exports. The bill was changed to reduce the surcharge for large power companies after complaints from the Japanese steel industry. If the scheme is launched then consumers will face an increase on electricity bills as utilities can pass their costs onto end-users. Despite the governments promise to cap the surcharge for the next ten years, there is no reference to it in the revised bill.

Lawmakers hope that by adding a provision requiring utilities to streamline their operations, the impact on consumers will be minimized.

A third party group will be set up within the under the Agency for National Resources and Energy to ensure that the setting of fixed prices are fair and just.

Retrieved from “https://en.wikinews.org/w/index.php?title=Japan_to_use_renewable_energy&oldid=3977977”
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By James Leong

What are financial ratios and how can you use them to evaluate a company for your personal investment?

In this article, we will explore a few key ratios that can help you assess a company for investment potential.

So what are financial ratios?

Imagine going for a blood test as part of a medical examination. Your blood sample will be sent to a lab for analysis, and the results will be compiled into a medical report. The medical report would indicate a list of different numbers or ratios. For instance, if your total cholesterol to HDL (good cholesterol) ratio is less than 4.51, you are considered healthy.

Similarly, financial ratios are simply relationships between numbers.

Let’s explore a key ratio, ROE, for a start.

ROE

ROE is Return on Equity. It is the Net Income to Equity ratio. Equity is how much shareholders have invested in the company as share capital. It also includes the amount of profits that the company has made and not paid out as dividends. In other words, its retained earnings.

[youtube]http://www.youtube.com/watch?v=WIe0F-Sn0DI[/youtube]

Together, they represent the amount of shareholder funds that have been committed into funding the business.

Net income is how much profit the company has made, net of taxes.

If net income is $10 million, whereas equity is $100 million, then ROE will be 10%.

In other words, the company will take on average 10 years to recover its capital invested. If, on the other hand, ROE is 20%, it takes the company only 5 years to recover its capital invested.

Hence, you can see that ROE is a powerful concept in assessing company profitability.

Minimally, you would want to invest in a business that has atleast a double-digit ROE to make it worth your while.

Payout ratio

Recall earlier that retained earnings represent profits that the company has made and not paid out to shareholders as dividends. The payout ratio is computed as Dividend/Net income. So, if the company is paying out 70 cents for every dollar of profit it made, the payout ratio would be 70%.

Retention ratio

Conversely stated, the Retention Ratio is equal to 30%, which is simply one minus the payout ratio. This means that the company is retaining 30% of its profits as reinvestment into the business.

Expected growth rate

Now we are ready to put the ratios together to good use.

If a company’s ROE is 20%, and its retention ratio is 30%, at what rate is the company likely to grow its earnings?

The answer would be 6%, since 30% of what is retained will be growing at the rate of ROE of 20%.

You can determine if you are satisfied in investing in a company with such a growth rate.

Dividend yield

The company will declare a certain amount of dividends it will pay for every share that you own.

If you take this number and divide by the current share price, the result is the Dividend yield.

While the ROE measures how well management is deploying shareholder funds as a whole to earn a profit from a total company perspective, the Dividend yield allows you to make certain comparisons between investing in bonds, REITs (Real Estate Investment Trusts), money market funds or simply leaving it in fixed deposits.

High or low?

Should you select to invest in a company with a high or low dividend yield? As a guide, if you invest in a blue chip stock that pays you a dividend yield higher than the fixed deposit rate, you should be much better off. However, since fixed deposit rates are so low now, it is not hard to beat. The other benchmark would be to earn a yield higher than the government bond rate. The threshold should be higher, and you should expect to be compensated for taking a higher risk of holding to a stock as compared to a bond.

On the other hand, be careful if the dividend yield is too high. This could mean that the company is paying out too much dividend and not reinvesting in the business, which is not sustainable. The other possibility is that investors do not feel confident about the company and therefore only willing to pay much less for the stock, thereby driving down the share price.

About the Author:

James Leong

C. Foo, Chartered Accountant, is CEO of VisionsOne Consulting Pte Ltd. and Adjunct Associate Professor with National University of Singapore. His highly popular workshop, Finance for Non-finance Managers, coaches managers and executives on using financial numbers to drive their business better. James can be reached at jamesleong@visions1.com.sg.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=688934&ca=Finances

Posted in Real Estate

Saturday, June 4, 2005

On Friday, the U.S. military released the results of their investigation and confirmed that in 5 separate incidents, American guards at the Guantánamo Bay prison “mishandled” the Islamic holy book. However, they stress that guards were usually “respectful” of the Qur’an.

One incident involved splashing a Qur’an with urine by urinating near an air vent while others involved kicking, stepping on and writing in Qur’ans.

Brigadier-General Jay Hood, the commander of the jail, said that these incidents are the exception to the rule. In a statement issued late Friday, he said: “The inquiry … revealed a consistent, documented policy of respectful handling of the Qur’an dating back almost two-and-a-half years.”

Gen. Hood looked into the allegations, published and then retracted by Newsweek, that American personnel flushed a Qur’an down a toilet. He said that the inquiry did not find any evidence supporting this particular allegation. “The inquiry found no credible evidence that a member of the Joint Task Force at Guantanamo Bay ever flushed a Qur’an down a toilet. This matter is considered closed.”

The incidents reported are:

  • a guard kicking a prisoner’s Qur’an;
  • Qur’ans wetted by water balloons thrown by guards;
  • a “two-word obscenity” written, in English, inside the cover of a Qur’an. Military officials state that it is equally possible that a guard wrote this in the prisoner’s Qur’an or that the prisoner wrote this in his own Qur’an;
  • a guard who urinated too close to an air vent, spraying a Qur’an with urine;
  • an interrogator who stepped on a Qur’an during an interrogation.

The investigation also revealed 15 alleged cases of Qur’an mistreatment by detainees themselves. Detainees used Qur’ans as pillows, urinated on them, and, several times, tore pages out of copies of the books, according to the report. For example, the report states that a guard observed a “detainee place two Qur’ans in his toilet and state he no longer cared about the Qur’an or his religion,” on February 23, 2004. It is believed that such behavior is intended to cause disruption and problems for the guards.

Retrieved from “https://en.wikinews.org/w/index.php?title=U.S._military_confirms_Qur%27ans_were_kicked,_stepped_on_and_splashed_with_urine_at_Guantanamo&oldid=848936”
Posted in Uncategorized

THE BEST SOLUTION TO HAIR FALL, WEAK AND DULL HAIR

by

Pandey Nirmal

THE BEST SOLUTION TO HAIR FALL, WEAK AND DULL HAIR

Who does not like a beautiful, healthy mane to adorn their heads? Thick, lustrous hairy is always associated with a healthy, attractive person. The hairy care industry is churning billions of dollars trying to promise people healthier, better looking strands.

What happens when one suddenly starts experiencing hair loss? How would they feel if it keep falling all over their beds, chairs and bathrooms? It is a very difficult position to be in. Doctors assure that 50-100 strands fall everyday and these are replaced by newer once. If the numbers go beyond this, then it will definitely result in hairy loss.

What can be done?

Starting on Grocapix Gel is probably the easiest and quickest solution for hairy loss. Grocapix Gel is a product of Alembic Pharma. Alembic Pharmaceuticals is Asias very popular brand that serves people in more than 75 countries all over the world.

Grocapix Gel is a much researched and developed product from this brand. It is in fact patented for the usage of four Biochanin rich amino acids in its composition. Grocapix is considered a treatment formula for:

Seasonal hairy loss

Post menopausal loss

Age related loss and

Generic hair breakage

It contains 2 major ingredients that work wonders in controlling and promoting faster growth of hair.

1.Biochanin A

This ingredient naturally inhibits Dihydro testosterone (DHT), which plays a large role in hair breakage, especially in male pattern baldness. It also modulates free radical damage to the scalp, protecting the hair and scalp.

2.Capixyl

Capixyl is a natural product and contains bio metric peptide and red clover. It helps stop the conversion of testosterone to 5 DHT. This process is the main cause for damage and by inhibiting this, the body is suppressed of the act of damaging and promotes regrowth instead.

How to use Grocapix Gel?

This product is a leave on serum. This means that it need not be washed off post application. On cleaned and dried hairy, the gel needs to be applied all over the scalp and gently massaged. The massaging helps the gel get absorbed deep into the scalp. The product stays on the surface all day long and works on inhibiting damage and promoting regrowth.

Where does one buy anti hair loss products?

Grocapix will cost INR 1190 for a 60 gram tube and INR 1790 for a 100 gram tube. www.clickoncare.com is an ecommerce website that right now is offering a discount on the same. Users can avail cash on delivery option and also get the product home delivered all over India.

Does hairy loss mean anything serious?

In most cases, eating healthy food, including a lot of proteins in diet, using good hair care products etc. should help control the same. In few cases, it can also be a result of an inlying medical condition. It is hence necessary to consult a doctor of the problem persists even after the above mentioned treatments.

ClickOnCare.com is an Online Health care store. It offers a large variety of products ranging from personal care, baby care, beauty care, baby care products like Grocapix gel to food supplements, wellness devices, sports and fitness equipments and accessories. Packing and shipping are done in an expert way so as to avoid any damage and to ensure product delivery on time. Cash on Delivery facility is available for all products.

Article Source:

eArticlesOnline.com}

Posted in Medicine

Saturday, July 9, 2005

After a press conference in London from the Metropolitan Police and Transport for London, more details are emerging about the attacks in London on Thursday.

Data from the Underground system’s power and control systems have revealed that all three bombs went off within 50 seconds of each other, at 8.50am, with the managing director of Transport for London, Tim O’Toole saying the bombs went “bang bang bang, very close together”.

The first bomb to detonate was on the Liverpool Street train soon after it left for Aldgate on the Circle line, seconds before the others. The blast tripped out the power system, visible in the control room. The first call the police received that morning reported “a bang” at Aldgate East, coming within a minute of the blast.

The Edgware Road train, leaving for Paddington and also on the Circle, exploded opposite a train coming from the other direction, making people think at first that it was a derailment. The first call to the Police spoke not of an explosion, but of a person falling under the wheels of the train. The confirmation of a bomb did not come until 9.17am, but by that time the emergency services were already on scene.

Transport for London’s new TrackerNet software is fully opertational on the Circle line, which allows for precise tracking of trains, but is not yet fully installed on the Piccadilly line. The first indication of the Piccadilly line bomb was when the tunnel telephone system wires were cut by the blast, an event logged by other software. The cutting of the lines then tripped out the track current. The tunnel itself suffered only slight damage and is safe, but the train – which was packed with commuters heading for Russell Square – is very badly damaged.

London Underground declared a ‘code Amber’ within minutes, moving trains to platforms and opening all doors. A ‘code Red’ – full evacuation – was set at around 9.15am. O’Toole described the decision to evacuate as being “very grave, not taken lightly”. When questioned as to whether everything possible had been done on the day to save lives, the managing director of Transport for London was “very proud” of the choices made that morning.

As investigations continue, all bodies have been removed from the sub-surface Circle line trains, but the carriages themselves are still in situ while a painstaking forensic investigation takes place.

Currently, work is on-going to retrieve bodies and forensic evidence from the carriage of the train in the deep tunnel of the Piccadilly line near King’s Cross. Teams of rescue workers looking for human remains are working alongside forensics experts in a “meticulous” search to find evidence.

Conditions are described as being very difficult, with high temperatures and lots of dust. Work was halted over Friday night when conditions became too bad, and resumed this morning. Efforts have been made to improve the ventilation.

Work will continue throughout tonight and possibly into Sunday. The exact number of bodies still in the wrecked carriage is unknown.

Access from King’s Cross is impossible, so workers are taking the longer route from Russell Square station to get to the front of the train.

Police have revealed that the bombs were ‘high explosives’ – not homemade. However they are declining to be specific about their composition as the information could be useful when they interrogate suspects.

Police will not confirm or deny if any parts of a timer have been found, but have said that “any device will now be in a million pieces”. Police believe the use of timers more likely than suicide bombings as the blasts were so closely timed, but are not ruling out anything.

Retrieved from “https://en.wikinews.org/w/index.php?title=London_Tube_bombs_went_%27bang_bang_bang,_very_close_together%27&oldid=2461598”
Posted in Uncategorized

Thursday, April 28, 2011

Eight American troops and one contractor were shot and killed by an Afghan National Army Air Force pilot Wednesday. Five Afghan soldiers were also wounded in the attack, for which the Taliban has claimed responsibility.

The incident, which began around 10 a.m. Afghan time (0530 UTC), occurred in the operations room of the Afghan Air Force in Kabul International Airport. The shooter, Ahmad Gul Sahebi, was killed by NATO forces.

“Suddenly, in the middle of the meeting, shooting started,” said Afghan Air Corps spokesman Colonel Bahader. “After the shooting started, we saw a number of Afghan army officers and soldiers running out of the building. Some were even throwing themselves out of the windows to get away.”

The shooter’s brother, Hassan Sahebi, said, “My brother was a little depressed recently, but he had served with Afghanistan’s national army for 20 years. He loved his country and his people. He was a good man.” He also said that his brother was facing financial troubles, but was not connected with the Taliban. A spokesman for the militia group, however, described Ahmad Gul Sahebi as an informant and sleeper agent who began planning the shooting five months ago.

Afghan President Hamid Karzai quickly condemned the attack and offered condolence to the victims and their families. He also said that the police and military would investigate the matter. Wednesday’s incident is the seventh this year in which NATO or Afghan forces have been killed by rogue Afghan troops or insurgents dressed as troops.

Retrieved from “https://en.wikinews.org/w/index.php?title=Afghan_pilot_kills_nine_Americans&oldid=4634841”
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