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Tradesmen Needed in Australia
Sep 13th
Tradesmen Needed in Australia
Currently, Australia is in need of skilled tradesmen and as a result there are opportunities galore. Perhaps you’ve acquired the skills but you don’t have the necessary official qualification papers to qualify for Australian Immigration ?
No worries, there is a solution – are you willing to do what it takes?
Currently, tradespersons earn much more than graduates. This is due to the high demand for trade skills.
The opportunity to study a trade in Australia ensures an opportunity to migrate to Australia successfully. Over 30 percent of TAFE (Technical and Further Education) students in Australia already hold bachelor degrees but are training for trade skills to gain lucrative jobs.
How can you benefit?
The bottom line is – Australia’s economy is booming. Fortunately for you, the growth is restricted due to shortages of skilled people across many of the trade industries. In fact, there are huge infrastructure developments that are on hold because of this great shortage of skills.
Currently, tradespersons are earning much more than graduates. This is due to the high demand for trade skills.
Study in Australia? The study options avaliable are open to international students. This will allow these students to gain skills to qualify in a number of occupations that are in demand. If you already hold a degree you’re able to gain admission to two year post graduate courses to gain recognition as accountants, teachers, nurses and IT Specialists. If you’ve attained a HND (Higher National Diploma) you’re able to gain credit into a Bachelor degree. You can then qualify in a wide range of occupations. You’ll also enhance your chances of gaining skilled migration.
If you don’t have qualifications
You can train as a cook, hairdresser, bricklayer, automotive mechanic, cabinet maker or backer (there are more trades that you can train for). Of course, those in the above mentioned categories can also train for these trades.
How to go about it…
Generally, Australia aim to attract young people that have proficient English skills and are qualified in skilled occupations. Preferably, these applicants want to settle in regional areas. An Eligibility test will determine the above factors. The eligibility points allocate points to applicants based on age, skill, English language ability, work experience and a few other factors.
For skilled Migration you’ll need 120 points.
How are points gained?
If you study specific programmes in Australia for at least 2 years will allow you to gain points for;
Skilled Occupations – amounts to 40, 50 or 60 points
If you study in Australia for two years you can gain 5 points
If you studied in a regional area in Australia you are given a bonus of 5 points
If you graduate with qualifications included on the Migration Occupation In Demand List (MODL), you may attract an additional 15 points.
The Age Requirement
Persons under 30 years of age with good English skills and qualified in a 60 point occupation (through 2 years of study in a regional area in Australia) will gain 120 points which is the current target.
Various occupations are shown on the Skilled Occuptations List (SOL)
Sought-after Trades Skills
Which skills are in demand?
Nurses, Accountants, Cooks, Hairdressers, Bricklayers are on the MDOL.
The MODL is reviewed at least every 6 months. This is done in line with the current workforce demands at the time. For example, If you proceed to do cookery courses , ensure that when by the time you’re expected to complete the course, your newly attained skill will still feature on the MODL. Remember, not all courses will qualify you for a migration outcome. In order to be granted points, you’ll need to meet the criteria that are set down by the relevant assessing body. Particularly for the occupation you’re studying for as shown on the SOL.
The Requirements
Ensure that you’re in possession of the necessary requirements. You’ll need one of the following;
Degree or Postgraduate qualification that is on the assessing body’s accredited list. Examples; accountants or IT Specialists.
Certificate III in a specific subject and 900 hours that are recognised as relevant work experience is needed. Examples; bricklayers, hairdressers’ or Automotive Mechanics.
Recognised qualification that incorporates a minimum amount of days done under supervised work experience.
High English Score - For example, teacher and nurses require 7.0 on the international English Language Testing System Test or;
Diploma or Degree that features on the accredited list
Applicants must ensure that the course that they’re studying for will meet the criteria of the relevant assessing body.
These requirements may change. Throughout the past five years to qualify as a cook and attain 60 points, the TRA assessing body required students to have the following;
One year Certificate III in Commercial Cookery,
One year Certificate III in Commercial Cookery,
Have Passed Skills Test,
Hold a Certificate III (in conjunction with a minimum two year study package) and
900 hours of relevant work experience.
What’s worth Knowing?
Once you’ve applied for your student visa, it can take up to 3 months to be granted, before courses commence. You’re obligated to attend at least 80 per cent of your classes. You’re also expected to meet your course requirements. Moreover, immediate dependent family members are generally included on the student visa. Child Dependants of school going age must be enrolled in a school before your visa is granted. It’s greatly advised that you consult a clued up consultant that is proficient in dealing with such cases.
It’s also important to remember that you’ll not be allowed to work until you’ve started the course and applied for work rights.
Once you’ve applied for work rights, you’ll be permitted to work for 20 hours per week during term and full-time during holidays. Your partner or spouse will be allowed to work 20 hours a week during the entire student visa period, once he/she has been granted work rights. Note that spouses of students studying towards a Masters or research Masters or PHD are permitted to work full-time. Although work that is registered as part of your course will not be included in the limited 20 hours.
Migration can become a very real possibility once you’ve completed your studies. So, hang in there and give it all you’ve got!
Want more information from one of our trained professionals? Fill out our FREE ASSESSMENT form or call us on 0845 2 606030 on a no obligation basis.
Disclaimer: While all due care has been taken to ensure that the information within this article at the time of publication is correct, I.U cannot accept responsibility for the content for any inaccuracies that occurs as a result of changes in immigration regulations, policy or other variables affecting the eligibility of individual applicants. Immigration laws, skill shortage determinations etc are subject to change by appropriate authorities and thus are outside of our control. Please contact us for further advice before taking steps towards immigrating. This article is published in good faith.
Immigration Writer
immigrationunit.com
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Online Internet Websites Market Dressy Sexy Womens Plus Size New Fall Fashions and Trendy Clothes
Sep 12th
Online Internet Websites Market Dressy Sexy Womens Plus Size New Fall Fashions and Trendy Clothes
After years of study on the size and structure of American women, plus size women, including plus size teens and junior plus size females, have gotten the attention of the clothing industry and designers. Plus size beautiful women have moved beyond the expected plus size maternity clothes to be sized and fitted with plus size special occasion dresses that include plus size party dresses, prom dresses and wedding dresses.
More and more fashion shows are including plus size models. More and more designers are creating new, colorful, dressy and sexy plus size women’s apparel to cater to this large segment of America’s population. Women boutiques are opening up all across America and online offering everything from sexy plus size lingerie to plus size Wedding dresses and gowns to meet the needs of their clientele.
As the summer enters the second half of August, our attention to fashions begins to change like the color of leaves on the trees that mark fall’s arrival. This Summer into Fall Styles will have a new look for plus size clothing for women this fall. Plus size fashions for women this fall, like with every September, will be putting away the plus size swimwear, tankinis, skirtinis, swimdresses, and cover-ups in favor of warmer outerwear and separates.
Junior plus size urban trendy clothing will include hoodies, sweatshirts, sweatpants, and sweaters. The designers will introduce fall fashion colors into these new fall looks. These plus size clothes will be trendy and sexy when women mix and match these plus size women’s separates.
Trendy plus size pantsuits, blouses, blazers, wrap sweaters, cardigans, kimono sleeve sweaters, pencil skirts, gored skirts, a line skirts, tops, turtlenecks and long sleeve mock turtlenecks will create a bright fresh fall look for women in these fall fashions. Plus size wide leg jeans and 5 pocket jeans will keep the fun alive rolling around in a pile of colorful leaves or a night out clubbing.
Fall wedding planners will have a wide choice of plus size wedding dresses and gowns. Bridesmaid’s fall wedding color dresses in all sizes are available. A plus size Mother of the Bride pant suit will fit quite comfortably for those cool October Weddings.
Plus size career clothing, evening and cocktail dresses will provide women with the proper apparel for the work place and those important evening gatherings with the corporation’s bosses, co-workers, and clients.
As back-to-school sales commercials punctuate our television programs and the daily newspapers sell full page ads for all of our children’s school needs as Labor Day approaches, let these signs be a reminder to you to begin shopping now for your new fall plus-size wardrobe. Many of the best bargains you will find are on the internet for all your plus size needs for both work and play.
With present day economics of high gas prices and higher prices in the market place due to these same fuel costs for the manufacturer and retailer, one can find SPECIAL SAVINGS for Online Internet Shopping Only, and many websites provide FREE SHIPPING with an advertised dollar amount of purchases. This saves time and money for you, the customer.
Robert Walsh, http://www.robertwalshkidsclothing.com, writes articles about everyday family issues & values to save money buying bargain priced trendy clothing including plus size women’s fashion clothing & shopping tips for all family needs promoting learning tools & toys for babies to teens and saving for a college education. FREE “Bargain Kidswear Newsletter” & “100 FREE Resources to go to College on the cheap” are available on website.
Our Marvelous Roof the Sky
Sep 11th
Our Marvelous Roof the Sky
ONE of the most beautiful, ever-changing sights on earth is the sky. Its scope and grandeur simply stagger the imagination. The whole earth is enveloped with the skyâs endless majestic and colorful panorama. In the east a golden glow announces the dawn, while a crimson western sky bids the day adieu. There are moments when the sky may be adorned in a royal canopy of blue, or dismal gray or in resplendent white. White billowy, cotton-like clouds called âcumulusâ proclaim a fine spring day; gay featherlike clouds called âcirrusâ tell that summer is here, and a sporty fall mantle of clouds that appear like lambâs wool betokens the nearness of winter.
At night the skyâs beauty is even more magnificent when bedecked in starry splendor. The breathless glory of the night is enhanced when the aurora weaves a delicate tapestry of color high overhead. Each garment assumes an infinite variety of shapes, all dazzling masterpieces of beauty, all creations of perfect art. Little wonder that worshipers of Jehovah referred to the beauties of our marvelous âroofâ as âthe wonderful works of the One perfect in knowledge,â âthe wonderful works of God.â Job 37:14, 16.
Almost daily across the skyâs broad highway parade clouds of every size and description. Fluffy clouds, billowy clouds, fleecy clouds these are like glorious floats that silently glide by. There are white pillar clouds surrounded by straggling cloudlets, like children about their parents. There are wavy clouds and rolling clouds, the shapes and forms of which are worthy of the finest sculptor. There are huge clouds that look something like a mammoth cauliflower or an enormous white anvil.
The cumulonimbus, also called thunderheads, are massive. They are composed of billions of ice crystals. These formations can rise to 50,000 feet or more in height. A single formation can contain as much as 300,000 tons of water! An estimated 44,000 thunderstorms lash the earthâs surface every day, some 1,800 of them in action at any given moment! They are majestic in their awesomeness and from them can burst forth creationâs regal spectacle the rainbow. God speaks of it as âmy rainbow,â obviously one of His wonderful works. Gen. 9:11-16.
Often the sky foretells the weather. In the western hemisphere when scattered cumulus clouds dot the sky, when the barometer remains steady or rises, and when the wind blows gently, fair weather will probably continue. The long curling clouds known as âmaresâ tailsâ are generally a sign that foul weather, in the form of snow or heavy rain, will probably arrive within twenty-four hours. Also when dull-gray altostratus clouds darken the whole sky and the barometer drops, rain or snow will probably continue to fall. The Bible, at Matthew 16:2, 3, gives meaning to the fiery sky often seen at sunset: âWhen evening falls you are accustomed to say, âIt will be fair weather, for the sky is fire-redâ; and at morning, âIt will be wintry, rainy weather today, for the sky is fire-red, but gloomy-looking.ââ A red sunrise presages the opposite of a red sunset.
Why the Sky Is Blue
What is this wonderful work of God we call âthe blue skyâ? Blue is not the color of air, as was believed by some in the nineteenth century. Nor is the blue due to light emitted by the atmosphere itself, for then it would appear blue at night. Were the air completely transparent or nonexistent, the sky would necessarily be as black as space, a fact confirmed by astronauts who journeyed above the atmosphere. âUp there, itâs a black-and-white world. There is no color,â said American astronaut Jim Lovell. But more recently spacemen returning from the surface of the moon have described the lunar surface as a nondescript gray.
Since the sky is not black to us on earth, the cause, then, must lie in the behavior of sunlight when it comes in contact with the substance of the atmosphere.
The color of the sky results from the air within less than one hundred miles of the earth. This belt of atmosphere is made up primarily of five gases, namely, nitrogen, oxygen, argon, water vapor (a compound of hydrogen and oxygen) and carbon dioxide. Besides these gases there are others that are rare, but in smaller amounts, such as helium, xenon, neon; and a few poisonous gases, such as methane, ammonia, carbon monoxide, nitrous oxide. Up to the realm of the highest familiar clouds the sky also holds quantities of foreign matter, such as pollen, dust, bacteria, soot, spores, volcanic ash, salt particles from the seas and dust from outer space.
When the sunâs radiation, which consists of electromagnetic waves of many different wavelengths, passes through the atmosphere, the longer wavelengths plow through the atmosphere quite easily and reach our earth. We may feel them as heat. But the shorter ones are scattered in all directions by the air molecules and other particles in the atmosphere. The blue light is bounced about again and again as it comes earthward from the sun. In other words, the blue sky is a gauzy glowing fabric spun of blue light and air. It is, moreover, only about twelve miles high; beyond this the sky darkens to violet. Above twenty miles the sky becomes black and the stars emerge.
Why the Other Colors?
Though generally blue, the sky may be red, orange, green, in fact, almost any color. It all depends on how light waves enter the atmosphere and what they encounter on their way down.
In the lower atmosphere are concentrated clouds, dust and all kinds of particle material. These being larger than air molecules, they scatter the longer wavelengths of light. When the sun is near the horizon its rays enter the atmosphere at a slant, passing through much more of the particle-laden air. All wavelengths are scattered, and only the longest red rays penetrate at all. So we have the ruddy hues at dawn and sunset. The more dust or cloud particles in the air, the deeper is the color. The less dust, the bluer the sky, because the long light waves come right through to the earth without being deflected, while the short blue light waves we see are the ones being bounced about by air molecules in the sky. Therefore, on a clear, relatively dust-free day, our marvelous âroofâ is blue.
Other Sights in the Sky
When, after a few days of bright winter weather, high clouds, feathery and fragile, give to the sky a milky-white opalescence, bright rings, called halos, appear encircling the sun or moon. Halos of the moon are necessarily much fainter, and their colors are nearly imperceptible. In many parts of the world halos are visible, on the average, as often as once each four days. Even some of the brighter stars show coronas as thin, fleecy clouds glide slowly past. These halos may show several distinct concentric circles of color, each bluish on the inside, then passing through a yellowish white to a reddish brown on the outside. Sometimes they resemble circle rainbows in the sky. This phenomenon is caused by light waves being reflected off regularly shaped ice crystals floating high in the air.
The regular rainbow we see in the sky, which arouses awe and excitement, is formed by light playing on waterdrops as they fall. Each raindrop acts as a tiny prism, breaking down the sunâs white rays of mixed light into their component spectral colors. Occasionally droplets of mist can cause a rainbow, but generally it is the larger raindrops.
No two persons see the same rainbow. Each individual sees the rainbow from his particular point of view, because a rainbow is only light coming from a certain direction. Since the drops reflecting the light are falling, this means that we see a new rainbow formed by every new set of raindrops. What a magnificent gift from God the rainbow!
Sometimes a second rainbow may appear in the sky, lying outside the first and shining rather more faintly. Have you noticed, the colors in this rainbow are in the reverse order, with blue on the outside and red on the inside? This is because the light rays have undergone one more reflection on the internal surfaces of the raindrops and are reversed in much the same way as left becomes right and right becomes left in a mirror. But this extra reflection causes a reduction in intensity of the light, which is why the second rainbow is always dimmer.
The Aurora
Neither a rainbow nor a cloud formation, except perhaps a glorious sunset or sunrise, can compare with the aurora in the sky, that is, the northern or southern lights. No written description or photographs can convey the true magnificence of these ever-changing, luminous displays, often in vivid colors. Sometimes they are so bright that one can read by their light.
Generally the aurora flickers, suggesting a blazing fire just over the hill. Often the glow kindles into brilliance, assuming the shape of a huge arc, or it may take the form of bundles of rays like those of sunlight shining through holes in a cloud. These shafts of light may be pale white, emerald green, violet or rose red. At times the aurora may appear to hang in folds like a huge curtain or drapery of a stage. It may shimmer like the folds of a great screen hanging from the sky that is stirred by a silent wind. Or it may burst into feverish activity. Yellow becomes tinged with red and green as rays leap upward, subside, then dart ahead again.
There is nothing with which one can compare the delicate beauty and coloring of the aurora caused by clouds of electrically charged particles coming from the sun and entering the earthâs magnetic field. These particles collide with molecules of air, causing them to vibrate and give off the red, white, blue and green lights of their awesome displays. The aurora another of Godâs marvelous gifts to man.
The Lightning Miracle
An estimated 9,000,000 lightning bolts strike the ground daily. About half the time, what people see in the sky as a single lightning flash is actually composed of up to ten successive strokes streaking along the same path as the first. There may be as many as forty pulses in a second, which is about how long the lightningâs path stays open. The heat in the path rises so abruptly that the surrounding air breaks the sound barrier in moving away. The result is thunder. The sky at such a time is alive with fire and sound.
There are various kinds of lightning. Heat lightning occurs on the horizon and is considered to be the reflection of strokes too far away to be directly seen or heard. Sheet lightning takes place inside clouds, blanketing them with a widespread flickering light. Ribbon lightning occurs when a strong wind blows the conductive channel of a multiple stroke to one side. The successive strokes rage upward a few feet apart, appearing like ribbons of light.
But what good is accomplished by all this fire filling the sky? It is now known that lightning helps greatly to fertilize the soil. Eighty percent of the atmosphere or sky is nitrogen, an essential food for plants. About 22,000,000 tons of this nutriment float over each square mile of the earth. But as it exists in the atmosphere nitrogen is unusable by plants. Before plants can take life from it, it must undergo a series of chemical changes, very much as food in our digestive system must undergo changes. Lightning in the sky touches off the series of changes. Air particles are made white-hot by lightning, for it can heat a two- to ten-inch channel of air hotter than the sunâs surface. Under this intense heat, the nitrogen combines with the oxygen in the air to form nitrogen oxides that are soluble in water. The rain dissolves the oxides and carries them down to earth as dilute nitric acid. Reaching the earth, the nitric acid reacts with the minerals of the earth, there to become nitrates on which plants can feed. Since plants can feed and live, man and animals can feed on plants and live!
What a marvelous gift lightning is from God to man! It does more than light the sky. Meteorologists estimate that lightning bombards the earth at a rate of more than one hundred times a second, transforming the upper air into fertilizer for plants!
God has given us, not only a practical sky, but a marvelous âroofâ filled with awe-inspiring, ever-changing beauties and wonder, a sky that moves faithful men to praise Jehovah the Doer of all these wonderful things. Ps. 136:4.
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Did you find this article useful? For more useful tips, hints, points to ponder and keep in mind, do please browse for more information at our websites. http://www.marvelsofcreation.com and http://www.adsflick.com
Debt Settlement Services – Getting Help When Needed
Sep 10th
Debt Settlement Services – Getting Help When Needed
Are you buried under mounting debts and you are worrying yourself sick over how to repay those debts? If you find yourself in such a position, perhaps it\’s time to find some help. But before doing that, let\’s take a step back and look at how your manage to get yourself into such deep waters.
Debt becomes unmanageable when your income cannot sustain your monthly payments. The only way that can happen, is that you allow debt to accumulate. For example, when you use a credit card, you are allowed to defer the payment by just paying the minimum amount. But when you do that, the bank charges interest on your overdue balance. This is a percentage of the balance that you owe the bank. Since it\’s a percentage, it\’s alright if you owe just a small amount. The interest will not amount to much.
But this is essentially a flawed principle when it comes to managing finances. The moment you allow interest to snowball, an initially small balance can become a huge balance. That is compounding interest working against you. As long as you can still afford the monthly repayments, you will still be able to manage the debt. However, when the monthly repayments grow so huge that it\’s beyond what you can afford to pay back, that\’s when you realize that the ship is sinking. You can\’t meet the debt repayments, and you are likely to face bankruptcy if you don\’t clear off your debts.
At this point, the first step that you should take is to immediately admit that you need help. Being stubborn or having an overly strong ego isn\’t going to help you. If you go into bankruptcy, you are in for a rough ride. Your credit record will be adversely affected. And you find yourself having trouble looking for a job or taking up loans in the future. Fortunately, there are measures that you can take to avoid bankruptcy. There are professionals in the marketplace that will help you manage your credit card debts.
How do they do this?
There are various solutions in the marketplace. Some offer debt consolidation, while others offer debt counseling. However, one of the most effective method of reducing debt is to negotiate with your debtors directly. When you go to a professional debt negotiation service provider, they will go all the work for you. Being specialized in this area, they will be be to provide you with the expertise that you need. A successful negotiation can lead to much lower monthly payments. This method is like taking the bulls by the horns. You deal with the problem directly. Finally, bear in mind that even if you are owing money to the bank, there is no need for you to communicate with abusive debt collectors. Let your debt negotiators do all the hard talking for you.
For more Debt Settlement Services, please visit Debt Relief Company website.
“The Princess and the Frog,” available in the US on Blu-ray Combo Pack, DVD and Movie Download on March 16 nku.me or become a fan of The Princess and the Frog on Facebook www.facebook.com theprincessandthefrog “Never Knew I Needed” by Ne-Yo from The Princess & the Frog soundtrack album which features music from Randy Newman, Jim Cummings, and Anika Noni Rose.
Video Rating: 4 / 5
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409a Compliance on Written Plan
Sep 9th
409a Compliance on Written Plan
Edison and Upper Saddle River, NJ – February 21, 2008 – The Internal Revenue Service recently issued Notice 2007-78 that provides plan sponsors an extension to December 31, 2008 to maintain compliance with written documentation relative to deferred compensation plans. Written language of a deferred compensation plan must be in compliance with the regulation as of the end of this year. Plans, therefore, have extra time to be modified to comply in the written form, but must continue to be in compliance operationally with Section 409A. Where written plan provisions don’t comply with the regulation, plan sponsors will not violate 409A if:
• The plan operates in compliance with 409A;
• Is amended on or before the December 31, 2008 deadline; and
• Complies with 409A retroactive to January 1, 2007.
What does this mean? Although the IRS has extended the deadline for compliance relative to written plan documentation, the plan itself must already operate under the 409A regulations. Therefore, there is no relief in the manner in which deferrals are made. Some of the key deferral aspects that 409A stipulates and for which compliance should already be in effect are as follows:
• Timing of deferrals. Deferral elections must be made before December 31 for compensation that will be deferred during the following calendar year. For example, compensation that will be deferred during 2008 would have required that the election be made before December 31, 2007. The exception to this election rule includes any “performance-based compensation”.
• Deferral of “performance-based compensation”. Performance-based compensation is any compensation that is contingent on satisfying pre-established performance objectives that cover a period of at least 12 consecutive months. An election to defer performance-based compensation may be made up to 6 months before the end of the period; this does not include amounts that will be paid regardless of performance, or if the amount is based on performance objectives that are certain to be met at the time they were established. Performance objectives are considered “pre-established” if they are documented, in writing, no later than 90 days from the beginning of the period. For example, assuming a short-term incentive plan runs from January 1 through December 31, 2008, with awards based on performance, a participant may elect to defer this form of compensation until June 30, 2008, so long as the objectives were established, in writing, by March 31, 2008, and that the level of performance cannot be currently ascertained.
• Changes to deferral options. A participant may change the form or timing of deferral, so long as: a) the election will not be effective until 12 months after the election is made; b) payments affected by such change are delayed for at least 5 years from the original payment date; and c) elections relative to distributions as of a specified time or on a fixed schedule are made at least 12 months before the scheduled payment date. This provision excludes payments made as a result of the participant’s death or disability.
• Delay in Payments for “Key Employees”. 409A requires that payments under a deferred compensation plan must be delayed 6 months for key employees, as defined by IRC §416(i). A key employee is one that, at any time during the plan year, is:
* an officer having an annual compensation greater than 0,000;
* a 5% owner of the company; or
* a 1% owner of the company having an annual compensation of more than 0,000.
Given that the administrative changes are already underway relative to deferrals, the following questions relative to written documentation should be evaluated and action taken by December 31, 2008 to comply with the transition relief period:
• Are there any aspects of the plan that still conflict with 409A?
• Does the plan’s language comply with the requirements under the regulation?
• Are deferral elections made on a written vehicle that complies with the regulation?
• Are elections for performance-based compensation made appropriately? Are performance objectives pre-established and is the level of performance against these objectives substantially unknown at the time that deferrals can be elected?
• Are changes to deferral options properly documented within the plan?
• Does the plan document reflect the following:
* Is in the form of a written document;
* States a specific formula to calculate deferred compensation;
* Indicates the payment schedule or triggering events;
* Specifies a six-month payout delay for “key employees”;
* Provides specific language regarding acceleration of distributions; and
* Includes a clause regarding substantial risk of forfeiture on deferred amounts?
Compliance with 409A is a key aspect of successful administration of deferred compensation plans, and obviously, avoidance of scrutiny and penalties. A thorough examination of administration of your deferred compensation plans and implementation of changes to maintain compliance of written documentation is essential before the December 31, 2008 deadline. Outside professional advice can provide an objective look at your deferred compensation arrangements, and provide the necessary guidance to move towards full compliance with 409A.
__________
The written advice was not intended or written to be used, and cannot be used by any taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer. The foregoing legend has been affixed pursuant to U.S. Treasury Regulations governing tax practice.
__________
Paul R. Dorf is the Managing Director of Compensation Resources, Inc. He is responsible for directing consulting services in all areas of executive compensation, short and long-term incentives, sales compensation, performance management systems, and pay-for-performance salary administration. He has over 40 years of Human Resource and Compensation experience and has held various executive positions with a number of large corporate organizations. He also has over 20 years of direct consulting experience as head of the Executive Compensation Consulting Practices for major accounting and actuarial/benefit consulting firms, including KPMG, Deloitte Touche Tohmatsu (formerly Touche Ross), and Kwasha Lipton.
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close Kept Secrets to Weight Loss Lesson #16
Sep 7th
close Kept Secrets to Weight Loss Lesson #16
Close Kept Secrets to Weight Loss Lesson #16
Today is the most wonderful day! We have gifts right in front
of us and we are ready to grab those gifts and say WAHOO! Look
around you at your extraordinary treasures.
For my 50th birthday, my nieces gave me a CD by Tim McGraw
entitled Live Like You Were Dying. They paid me a wonderful
compliment and said, “Aunt Tami, you’re the one we think of who
is living like you were dying.” What a powerful message to me as
I blast that song every morning to rev up my energy. Of course,
picturing Tim in those tight jeans helps!
Remember I used to live in such deep doo doo with fear and
worry. Through daily practice my connection to God becomes
clearer–it’s corrosion free. It takes practice to transcend
fear and putting those daily activities in place to help bring
in the positives. Want to have some fun with your inner child?
Sticking your tongue out at fear does help. So let’s practice.
Stick out your tongue and face your fears and shout, “You’re not
the boss of me.” It’s kind of hard to have your tongue hanging
out while talking but it sure feels good, doesn’t it?
I am reprinting some lines from the song so you can breathe in
the message.
Live Like You Were Dying
He said, “I was in my early forties, with a lot of life before
me, When a moment came that stopped me on a dime. And I spent
most of the next days looking at the x-rays And talking “bout
the options, talking “bout sweet time.”
And I asked him when it sank in That this might really be the
end. “How’s it hit you when you get that kind of news? Man
what’d you do?” He said,
“I went sky diving; I went rocky mountain climbing; I went two
point seven seconds on a bull named Fumanchu. And I loved
deeper, and I spoke sweeter. And I gave forgiveness I’d been
denying.” And he said, “Someday I hope you get the chance To
live like you were dying.”
He said, “I was finally the husband that most the time I wasn’t.
And I became a friend a friend would like to have. And all ‘a
sudden going fishin’ wasn’t such an imposition And I went three
times that year I lost my dad. And I finally read the good book
and I took a good long look
Powerful message, right? So what are you going to do? Tell a
friend you love him or her. Call a family member whom you
haven’t forgiven and forgive. Do something nice for your
neighbor. Ready to ride the bull? Just for today, “Live Like You
Were Dying!”
Love and hugs,
Tami http://www.tamiclose.com http://www.closekeptsecrets.com
Tami Close is a weight loss expert and uses an integrative
method, including cleansing and nutritional products from
Isagenix, in her weight loss management practice. She is a #1
bestselling co-author with Mark Victor Hansen and Wayne Dyer.
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Better Trades – a Better Teaching Strategy
Sep 6th
Better Trades – a Better Teaching Strategy
Do you really want to learn your stock market trading strategies from someone who has never traded?
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This article is originally published here: Better Trades
Learn More:
Better Trades is an education company devoted to teaching people the skills and experience they need to make money in the stock market.
Better Trades – training to trade effectively. You can reach him at BetterTrades.
Music video by Boyzone performing Better. (C) 2008 Polydor Ltd. (UK)
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The 14 Versus 4 Golden Advices About Eat Rite in Bible and Quran
Sep 5th
The 14 Versus 4 Golden Advices About Eat Rite in Bible and Quran
The Bible mentions Eat 617 times and the Quran 70 times.
Eat Rite in the Bible:
The beginning was not encouraging:
Genesis 3:17
To Adam he said, “Cursed is the ground because of you; through painful toil you will Eat of it all the days of your life.
Genesis 3:18
It will produce thorns and thistles for you, and you will Eat the plants of the field.
Genesis 3:19
By the sweat of your brow you will Eat your food
Because of Jacob hip, the tendon attached to the socket of the hip is banned
Genesis 32:32
Therefore to this day the Israelites do not Eat the tendon attached to the socket of the hip, because the socket of Jacob’s hip was touched near the tendon.
Benjamin is a ravenous wolf devours the prey and divides the plunder.
Genesis 49:27
“Benjamin is a ravenous wolf; in the morning he devours the prey, in the evening he divides the plunder.”
The Bible declares Racism even for food.
Exodus 12:43
No foreigner is to Eat of it.
Kill anyone who is Eats any meat of the fellowship offering belonging to the LORD.
Leviticus 7:20
But if anyone who is unclean Eats any meat of the fellowship offering belonging to the LORD, that person must be cut off from his people.
Leviticus 7:21
If anyone touches something unclean—whether human uncleanness or an unclean animal or any unclean, detestable thing—and then Eats any of the meat of the fellowship offering belonging to the LORD, that person must be cut off from his people.’ “
Eat locust, katydid, cricket and/or grasshopper.
Leviticus 11:22
Of these you may Eat any kind of locust, katydid, cricket or grasshopper.
Why they are detestable?
Leviticus 11:42
You are not to Eat any creature that moves about on the ground, whether it moves on its belly or walks on all fours or on many feet; it is detestable.
Kill anyone who Eats blood.
The life of every creature is its blood
Do not Eat the blood of any creature
This verse contradicts very much with the sciences. The life of every creature is not in blood. Some creatures that we Eat are bloodless e.g. the fungus(Mushroom).
Leviticus 17:14
Because the life of every creature is its blood. That is why I have said to the Israelites, “You must not Eat the blood of any creature, because the life of every creature is its blood; anyone who Eats it must be cut off.”
Deuteronomy 12:23
But be sure you do not Eat the blood, because the blood is the life, and you must not Eat the life with the meat.
Ezekiel 33:25
Therefore say to them, ‘This is what the Sovereign LORD says: Since you Eat meat with the blood still in it and look to your idols and shed blood, should you then possess the land?
Eat the flesh of your sons and your daughters
Eat the fruit of the womb, the flesh of the sons and daughters
Fathers will Eat their children, and children will Eat their fathers.
Leviticus 26:29
You will Eat the flesh of your sons and the flesh of your daughters.
Numbers 23:24
The people rise like a lioness; they rouse themselves like a lion that does not rest till he devours his prey and drinks the blood of his victims.”
Deuteronomy 28:53
… You will Eat the fruit of the womb, the flesh of the sons and daughters…
Numbers 24:8
They devour hostile nations and break their bones in pieces;
Deuteronomy 32:42
I will make my arrows drunk with blood, while my sword devours flesh: the blood of the slain and the captives, the heads of the enemy leaders.”
Psalm 27:2
When evil men advance against me to devour my flesh, when my enemies and my foes attack me, they will stumble and fall.
Psalm 53:4
Will the evildoers never learn— those who devour my people as men Eat bread and who do not call on God?
Proverbs 30:14
those whose teeth are swords and whose jaws are set with knives to devour the poor from the earth, the needy from among mankind.
Isaiah 9:20
On the right they will devour, but still be hungry; on the left they will Eat, but not be satisfied. Each will feed on the flesh of his own offspring :
Lamentations 2:20
“Look, O LORD, and consider: Whom have you ever treated like this? Should women Eat their offspring, the children they have cared for? Should priest and prophet be killed in the sanctuary of the Lord?
Ezekiel 5:10
Therefore in your midst fathers will Eat their children, and children will Eat their fathers. I will inflict punishment on you and will scatter all your survivors to the winds.
Ezekiel 39:18
You will Eat the flesh of mighty men and drink the blood of the princes of the earth as if they were rams and lambs, goats and bulls—all of them fattened animals from Bashan.
Habakkuk 3:14
With his own spear you pierced his head when his warriors stormed out to scatter us, gloating as though about to devour the wretched who were in hiding.
Galatians 5:15
If you keep on biting and devouring each other, watch out or you will be destroyed by each other.
Revelation 19:18
so that you may Eat the flesh of kings, generals, and mighty men, of horses and their riders, and the flesh of all people, free and slave, small and great.”
Eat their own filth and drink their own urine
2 Kings 18:27
… who, like you, will have to Eat their own filth and drink their own urine?”
Isaiah 36:12
… who, like you, will have to Eat their own filth and drink their own urine?”
Is the stomach of the wicked (only) goes hungry?
Proverbs 13:25
The righteous Eat to their hearts’ content, but the stomach of the wicked goes hungry.
Do not Eat the food of a stingy man
Proverbs 23:6
Do not Eat the food of a stingy man, do not crave his delicacies;
The lion will Eat straw like the ox, but dust will be the serpent’s food
Here is another verse that contradicts with the sciences.
The lion does not Eat straw and the serpent’s food is not the dust.
Isaiah 65:25
The wolf and the lamb will feed together, and the lion will Eat straw like the ox, but dust will be the serpent’s food.
The carcasses of people are food for the birds and the beasts
Jeremiah 7:33
Then the carcasses of this people will become food for the birds of the air and the beasts of the earth, and there will be no one to frighten them away.
Jeremiah 15:3
“I will send four kinds of destroyers against them,” declares the LORD, “the sword to kill and the dogs to drag away and the birds of the air and the beasts of the earth to devour and destroy.
Jeremiah 16:4
“They will die of deadly diseases. They will not be mourned or buried but will be like refuse lying on the ground. They will perish by sword and famine, and their dead bodies will become food for the birds of the air and the beasts of the earth.”
Jeremiah 34:20
I will hand over to their enemies who seek their lives. Their dead bodies will become food for the birds of the air and the beasts of the earth.
Ezekiel 39:4
I will give you as food to all kinds of carrion birds and to the wild animals.
They Eat their food in anxiety and drink their water in despair
Ezekiel 12:19
… They will Eat their food in anxiety and drink their water in despair,
Eat fat till you are glutted and drink blood till you are drunk.
Ezekiel 39:19
At the sacrifice I am preparing for you, you will Eat fat till you are glutted and drink blood till you are drunk.
Eat the flesh of Jesus and drink his blood.
This very important theological concept is mentioned only in John.
Matthews, Mark and Luke never said that.
John 6:53
Jesus said to them, “I tell you the truth, unless you Eat the flesh of the Son of Man and drink his blood, you have no life in you.
John 6:54
Whoever Eats my flesh and drinks my blood has eternal life, and I will raise him up at the last day.
John 6:57
Just as the living Father sent me and I live because of the Father, so the one who feeds on me will live because of me.
John 6:58
This is the bread that came down from heaven. Your forefathers ate manna and died, but he who feeds on this bread will live forever.”
The faith of the vegetarian is weak
Romans 14:2
One man’s faith allows him to Eat everything, but another man, whose faith is weak, Eats only vegetables.
If the dead are not raised, “Let us Eat and drink”
1 Corinthians 15:32
If I fought wild beasts in Ephesus for merely human reasons, what have I gained? If the dead are not raised, “Let us Eat and drink, for tomorrow we die.”
The beast and the ten horns will hate the (naked) prostitute, Eat her flesh and burn her with fire
Revelation 17:16
The beast and the ten horns you saw will hate the prostitute. They will bring her to ruin and leave her naked; they will Eat her flesh and burn her with fire.
Eat Rite in the Quran:
The Quran teaches us to Eat in a healthy way and not to be extravagant in Eating.
Eat of what is on earth, lawful and good
Eat of the good things that We have provided for you and be grateful to Allah
Eat of the things which Allah hath provided for you, lawful and good
What the Believers will Eat in the Paradise?
What the Unbelievers will Eat in the Hell?
The Policy of Eating
The Quran teaches us to Eat in a healthy way and not to be extravagant in Eating.
Excess Eating is a very bad habit that causes many medical problems.
This meaning is not found in the Bible.
7:31
O Children of Adam! Wear your beautiful apparel at every time and place of prayer: and Eat and drink and be not extravagant; surely he does not love the extravagant
The Food we are allowed to Eat:
6:121
Eat not of (meats) on which Allah’s name hath not been pronounced: that would be impiety. But the evil ones ever inspire their friends to contend with you if ye were to obey them, ye would indeed be Pagans.
16:5
And cattle He has created for you (men): from them ye derive warmth, and numerous benefits, and of their (meat) ye Eat.
16:14
It is He Who has made the sea subject, that ye may Eat thereof flesh that is fresh and tender, and that ye may extract therefrom ornaments to wear, and thou seest the ships therein that plough the waves, that ye may seek (thus) of the bounty of Allah and that ye may be grateful.
16:114
So Eat of the sustenance which Allah has provided for you, lawful and good; and be grateful for the favours of Allah, if it is He Whom ye serve.
23:21
And in cattle (too) ye have an instructive example: from within their bodies We produce (milk) for you to drink; there are, in them, (besides), numerous (other) benefits for you; and of their (meat) ye Eat;
36:33
A Sign for them is the earth that is dead; We do give it life, and produce grain therefrom, of which ye do Eat.
2:168
O ye people! Eat of what is on earth, lawful and good; and do not follow the footsteps of the Evil One, for he is to you an avowed enemy.
2:172
O ye who believe! Eat of the good things that We have provided for you and be grateful to Allah, if it is Him ye worship.
5:88
Eat of the things which Allah hath provided for you, lawful and good; but fear Allah, in Whom ye believe.
22:28
“That they may witness the benefits (provided) for them, and celebrate the name of Allah, through the Days Appointed, over the cattle which He has provided for them (for sacrifice): then Eat ye thereof and feed the distressed ones in want.
What the Believers will Eat in the Paradise?
This meaning is not found in the Bible
43:69-73
[69] (Being) those who have believed in Our Signs and bowed (their wills to Ours) in Islam.
[70] Enter ye the Garden, ye and your wives, in (beauty and) rejoicing.
[71] To them will be passed round, dishes and goblets of gold: there will be there all that the souls could desire, all that the eyes could delight in: and ye shall abide therein (for aye).
[72] Such will be the Garden of which ye are made heirs for your (good) deeds (in life).
[73] Ye shall have therein abundance of fruit, from which ye shall have satisfaction.
52:17-19
[17] As to the Righteous, they will be in Gardens, and in Happiness,
[18] Enjoying the (Bliss) which their Lord hath bestowed on them, and their Lord shall deliver them from the Penalty of the Fire.
[19] (To them will be said:) “Eat and drink ye, with profit and health, because of your (good) deeds.”
69:22-24
[22] In a Garden on high,
[23] The Fruits whereof (will hang in bunches) low and near.
[24] “Eat ye and drink ye, with full satisfaction; because of the (good) that ye sent before you, in the days that are gone!”
What the Unbelievers will Eat in the Hell?
This meaning is not found in the Bible.
15:3
Leave them alone, to enjoy (the good things of this life) and to please themselves: let (false) Hope amuse them: soon will knowledge (undeceive them).
2:174
Those who conceal Allah’s revelations in the Book, and purchase for them a miserable profit, they swallow into themselves Naught but Fire; Allah will not address them on the Day of Resurrection, nor purify them: grievous will be their Penalty.
56:50-56
[50] “All will certainly be gathered together for the meeting appointed for a Day well-known.
[51] “Then will ye truly, O ye that go wrong, and treat (Truth) as falsehood!
[52] “Ye will surely taste of the Tree of Zaqqum.”
[53] “Then will ye fill your insides therewith,
[54] “And drink Boiling Water on top of it:
[55] “Indeed ye shall drink like diseased camels raging with thirst!”
[56] Such will be their entertainment on the Day of Requital!
It follows that man is one of two:
47:12
Verily Allah will admit those who believe and do righteous deeds, to Gardens beneath which rivers flow; while those who reject Allah will enjoy (this world) and Eat as cattle Eat; and the Fire will be their abode.
Back to the main issue of my series of articles; this is my question to you smart readers: “Is the Quran quoted from the Bible”?
Professor Dr. Ibrahim Khalil
Prof. of Clinical and Chemical Pathology,
Head of Clinical Microbiology and Infection Control Unit,
Ain-Shams University. Cairo, Egypt.
And,
President of the Egyptian Society of Inventors.
Member of the Egyptian union of Writers
Related Eat Articles
Dog Years Human Years
Sep 4th
Dog Years Human Years
The life expectancy of any dog is commonly expressed in terms of dog years by us and it depends entirely on the dog’s breed, size as well as the dog’s surroundings. Various other factors affect the life expectancy of a dog. A dog’s life span changes according to the diet provided to him and also by the number of medical problems the dog tends to face over the years.
The average life span of the small dog like Chihuahua is about 15 to 16 years, while medium sized the dogs like Border Collies have a life span of 10 to 13 years. It can be noticed big dogs like Great Dean live up to only 7 to 8 years. The calculation of the life expectancy of particular dog can be accurately done with the help of “size or the specific breed calculator”, which is said to be one of the most accurate age measurement schemes available. The size or specific breed calculator gives approximate results about the dog’s predictable lifespan based on the size as well as the breed of the dog.
It is generally assumed that, on an average, “one human year equals to seven dog years”. This statement may not be appropriate, since the first two years are jointly represented by 18-25 years in such schemes and because the entire ratio cannot be generalized for all the dogs though, they belong to different sizes and breeds. An exact ratio of dog years vs. human year cannot be formulated. However, some obvious features remain similar between both aging humans and dogs.
It is generally assumed that the human equivalent of a one-year dog is supposedly fully grown by both mental and physical aspects. Dogs like humans tend to develop advance muscular features as they grow along with a similar mental development. Through a major dog study, it has been estimated for dogs of all breeds and sizes that, nearly “64 percent of dogs” were euthanized because they were affected with some kind of diseases. Only 8 percent of the total dogs live beyond 15 years and nearly 16 percent of them die yearly due heart diseases and cancer. Human lives are not terminated even if they suffer from rare and incurable diseases; and this is the main reason why the lifespan of an average human being is reasonably long.
The effects of aging in dogs is said to be dormant for several years. But like humans, dogs to undergo physical changes as well. The first sign of aging in dogs is said to be the decrease in its activity levels. The sleeping period in these dogs also becomes longer. The canines experience a drastic change in their skin condition, limb usage, appetite and they experience tooth loss as well. Their sense of hearing and vision also diminishes gradually. Older dogs tend to experience stiffness in their body. All these obvious signs of aging can even be found in humans. The human years are extended only because of advance modern medicine and various other drugs that are designed to deal with symptoms of old age.
Dogs and humans may not have the same physiology, yet some obvious similarities can be noticed when both species age. Dog years and Human years may not be directly related by some advance equation, but to the naked eye the equivalence of corresponding features of Dog years and Human years are quite visible.
Now that you know dogs grow old faster than we do, learn how to care for your dogs the best you can and give them a good life. They deserve it. Learn more at: http://www.2knowabout.com/dog/how_to_care_for_a_dog_with_a_broken_leg.php
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Sep 3rd
Mind Movies Review
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