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Ceisteanna Eile - Other Questions

Credit Unions

Cormac Devlin

74. Deputy Cormac Devlin asked the Minister for Finance how he is supporting the credit union sector to continue to provide essential financial services to local communities; and if he will make a statement on the matter. [54363/21]

I ask the Minister for Finance to outline the ways in which the Government is supporting the credit union sector to continue to provide essential financial services to local communities.

The programme for Government includes a number of commitments to the credit union sector. I intend to shortly issue proposals emanating from the review of the policy framework for consultation. This will involve meeting with representative bodies and other stakeholders, a commitment I made in my recent engagements. In total, I have had 23 meetings with credit union stakeholders this year, including with representative bodies, collaborative ventures, service providers, the credit union advisory committee and the Registry of Credit Unions, to gather further information to help inform the next steps of the review.

In supporting the sector to provide essential financial services to local communities, I will outline some of the recent developments which highlight the potential of the sector to fulfil a role in community banking. The Central Bank of Ireland in recent years reviewed both the lending and investment frameworks. Since January 2020, credit unions now have a combined capacity to provide up to €1.1 billion in additional SME and mortgage loans with further capacity available to credit unions that can comply with certain conditions, or on the approval of the Central Bank of Ireland. As of June of this year, credit unions had a combined mortgage and SME loan book of €372 million, an increase of 18% on last year. There is, therefore, adequate headroom for credit unions to issue more mortgages and more loans to the SME sector, without requiring any further Central Bank of Ireland approval at the moment. Credit unions are permitted to place their surplus funds that have not been lent to members in range of investments, including tier 3 approved housing bodies, AHBs. I am pleased to share with the Deputy that two credit union-backed funds have received approval from the Central Bank of Ireland. Credit unions will be able to invest up to €900 million in these regulated funds, which will be subsequently lent to the AHBs.

I thank the Minister of State for that reply and for his engagement, particularly on the review. I note that €1.1 billion being lent for SMEs and mortgages. Will he please update the House on the three commitments contained within the programme for Government, one of which is the status of the review with the policy framework with the credit unions and how they are operating? What action is being taken to enable and support the credit union movement to grow? I also note the 18% increase in the loan book. How are he and his Department supporting credit unions in expanding their services to encourage community development? Finally, I ask the Minister of State to provide an update on these commitments, either to the House this evening or in written form.

First, the policy review referred to in the programme for Government is at an advanced stage. In the coming weeks, we will have a clear timeline for that process, but it is imminent.

Second, growing the credit union movement, as referenced in the programme for Government, is essentially about growing the credit unions' loan book. They have adequate deposits and savings. They do not need to grow those to any great extent. In fact, the extent of their savings can cause them financial difficulties in the negative interest rate environment we are in at the moment. I met specifically with all the main credit union organisations in light of a number of banks closing branches in many towns, cities and rural areas throughout the country to progress the opportunities available in many of these locations where the credit union is the only financial institution left standing. Credit unions have tremendous ability and scope to increase their lending. That does not require further legislative proposals to assist them. I look forward to working with them in that area.

The Minister of State mentioned the credit unions’ willingness to step in, particularly given the closure of bank branches throughout the country. There have been a number of high-profile branch closures, including in my constituency and in Dublin city. Only last week, Shankill in my constituency lost its ATM. Some Deputies might say that that is not the end of the world. However, it is for a community that relies on that ATM to access services.

I also commend Core Credit Union for its proactive nature in expanding its services. That is exactly what the credit unions want to do. They want to expand services, such as loans, savings, current accounts, debit cards, apps, online banking and so on. With the right support from Government and from the Central Bank of Ireland, credit unions say that they can continue to be present in towns and villages, which is important. I acknowledge what the Minister of State is saying about that. The Minister of State might please keep in contact with me about that engagement, to ensure that once the review is complete we know exactly where we are.

I look forward to briefing the Deputy, as well as the opportunity to brief the Joint Committee on Finance, Public Expenditure and Reform, and Taoiseach, on developments as we progress. A total of 19 credit unions were approved in early 2021 for participation in the Covid-19 credit guarantee scheme. The Government has provided substantial funding for retrofitting. There will have to be some elements of providing funds by the homeowners themselves. The credit unions are the ideal movement to provide that vital type of extra information. The Central Bank of Ireland is looking at some of the services already provided that require its approval, with a view to seeing if some of these can be made exempt. I will come back with further information on that. Some legislation may be required in the areas we are talking about. However, the Central Bank of Ireland is independent of the Government for good reason. Collaboration is the way forward for credit unions because many of the issues I have mentioned are onerous for small individual credit unions. If they collaborate, they can work strongly.

Insurance Industry

Cathal Crowe

75. Deputy Cathal Crowe asked the Minister for Finance his plans to enhance the National Claims Information Database, NCID, in relation to insurance; and if he will make a statement on the matter. [54357/21]

On behalf of Deputy Crowe, I ask the Minister for Finance his plans to enhance the NCID, in relation to insurance.

The NCID contains information on the cost of non-life insurance claims. Life insurance is not part of my brief for this particular purpose. The Central Bank of Ireland is responsible for collecting this information, as well as for managing the NCID under the Central Bank Act 2018. It can allow the scope of the NCID report to evolve in line with requirements.

The Central Bank has already identified a number of enhancements it is planning to make to future reports.  For motor insurance, this will include increased historic income and expenditure data; information on catastrophic weather events; and duration of claim settlements.  For employer and public liability, it plans to collect additional data including more detail on costs related to re-insurance and commissions.  In addition, the bank will investigate information of policy excesses and limits, and the collection of further settlement channel data following the introduction of the new personal injuries guidelines.  In this regard, there is ongoing technical work being undertaken by the Central Bank and our officials.  I hope that the bank will consider publishing certain NCID data more frequently than is currently the case. Many of the reports come out annually. We would all benefit from a higher frequency than just annual reports.

Separately, the Government has also agreed to draft the insurance (miscellaneous provisions) Bill, which will include further NCID enhancements. I believe it is worth highlighting that the NCID provides a level of information into the insurance sector that is unique to our market. The level of information available from our Central Bank is the greatest level of transparency of any country in Europe, including the UK, which is bringing in some measures. They do not benefit in the first case from the information from an NCID report that we already have in Ireland. I want to make that point clear.

That is welcome news. I welcome the proposed extension of the national claims information database. I note that last week, at an Oireachtas committee, Oliver Gilvarry, head of the National Competitiveness and Productivity Council secretariat made the point that enhancements to the NCID database would provide greater detail on claims which would help to drill down on the cost of the awards. I note what the Minister of State has said about the volume of information available here compared with other jurisdictions, especially the breakdown between awards and legal costs. We have seen with the database that the more information that comes through, the more information policy makers have to move forward and identify what changes need to be made. Is it the intention to make sure that more data are provided?

Absolutely. We will have an outstanding level of transparency about these issues. The first thing that I should say every time I talk about insurance, especially about home and motor insurance, is that we know about the loyalty penalty for the motor insurance industry. Many people who have a policy for more than ten years are paying 10% or 15% more than they should be. We will make arrangements to ensure that that is dealt with. The same happens with home insurance but the penalty for people who stay with the same insurance company, sometimes for decades, can be over 30%, and we want to deal with that issue too. My main message regarding insurance is to shop around. When people get a bill, they should make a phone call or go online. My experience from listening to all the people I speak with is that they regularly get a reduction in the cost of their premium when they make an effort. It is a bit like going into a shop, complaining about the price of a product, and going to the shop next door to see if it is offering the same product at a lower price. I have a number of upcoming priorities. The speaking time does not permit me to provide the information so I will forward it to the Deputy.

I thank the Minister of State. It is certainly good information for consumers. The first Central Bank report on the national claims information database was published more than a year ago. It identified that in reality, the award to the individual, whether through PIAB or the courts, was pretty much the same. Coming back to the database, that is why, according to the National Competitiveness and Productivity Council, it is so important to see the information flow so that the industry can be challenged about why prices are not falling. When can we expect to see the changes take effect? What impact does the Minister of State anticipate it will have on the cost of insurance overall?

The most common claims being dealt with by the new guidelines were for soft tissue injuries, whiplash etc. They did not deal with catastrophic injuries. People who have lifelong catastrophic injuries need all the funding they can get. I should have said earlier that the Minister for Justice gave a commitment today, when guidelines were announced, to prepare a report at the end of this year, which is only a month or two away. That commitment is on the public record. We will shortly see a report from the Minister about that area. We are looking at the publication of the third national claims information database on motor insurance. We are reforming the duty of care legislation. The Minister, Deputy McEntee, is giving that immediate priority. We are establishing a database in the Central Bank for new entrants with greater transparency. We are continuing Ireland's engagement at a European level with regard to Solvency II reviews. We are preparing legislation to enhance the role of PIAB. I met with the Garda Commissioner about uninsured drivers. The road traffic legislation that was recently published will have an impact on motor insurance.

Banking Sector

John McGuinness

76. Deputy John McGuinness asked the Minister for Finance if he will report on recent engagement he or his Department have had with a trade union (details supplied) in relation to the future of banking in Ireland; and if he will make a statement on the matter. [54338/21]

The banking landscape in this country is changing dramatically. The departure of Ulster Bank will impact seriously on the Border region in particular. KBC is also leaving the country. The decision by Bank of Ireland to close one third of its branch network has also caused great disquiet in many communities throughout the country. At the same time as these bank closures are happening, households and businesses still need traditional banking services as much as ever. I hope that the Minister can give some good news about a banking forum.

Is this the question tabled by Deputy McGuinness?

I thank Deputy Smith. The Minister of State, Deputy Fleming, my officials and I have had regular contact with the Financial Services Union, FSU. Over the past year in particular, in light of the rate of change in the sector, this has included increased engagement in relation to the future of banking. The issues that the Deputy has referred to are serious. I am well aware of the different developments he has detailed and the concern they have caused in the community that he represents. I will finalise a memorandum to bring to Government in the coming weeks on the terms of reference for a review of our banking sector. Once they have been presented to Government, I intend to publish the terms of reference shortly afterwards. This process will involve ongoing engagement with a wide range of stakeholders, including the Financial Services Union.

I thank the Minister. I note that the Financial Services Union appreciates the direct engagement that the Minister and his Department officials have had with it. I have raised this on a number of occasions in the House, during Topical Issue debates, especially when Ulster Bank announced its departure from this country and when there was a dramatic reduction in the number of Bank of Ireland branches. I asked the Minister to ensure that there was good engagement with the Financial Services Union. We all had representations from members and employees of the banks who were concerned about their future. A forum, or whatever body the Minister establishes, needs to include all stakeholders. I hope that along with the banks, customers, staff, management, trade unions, business, employers and employers' groups, that community interests can also be represented on that forum. It is important that the views of communities throughout the country are represented, as we reflect them in this forum daily. It is important that communities have a mechanism to deliver their views on the banking sector and how we go forward.

I thank the Deputy for that point. I anticipate that the review we will bring forward will have a provision within it for submissions to be made and for communities to make their views known about development or the absence of banking services in their local communities. In the interests of complete transparency, I envisage a review which will be conducted by the Department of Finance with Government approval. As part of that review, there will be ample opportunity for important stakeholders in the Irish banking sector, those who work in it and those who depend on it for lending and investment to engage in this process to make their views clear.

I thank the Minister. As a society, we want to be more conscious of the people who do not have good literacy skills and who have not had the opportunity to adopt IT skills. Those people find it difficult to transact business today, especially when they cannot call into a local branch. It behoves all of us to ensure that there is an opportunity for people to transact their business in a practical way, especially people who may not have had the opportunity to acquire IT skills or who may not have access to broadband etc. It is important that those views are represented.

As the Minister is aware, the central banks of Britain and in New Zealand are conducting reviews on the subject matter of access to cash. We often think of ATMs as a mechanism to withdraw cash, but they are an important lodgement facility as well. In public banking meetings throughout the country, local communities expressed concern about hospitality and other retail businesses having to carry large amounts of cash and not having the opportunity to lodge that cash in a timely manner locally. We need to address the issue of access to cash.

There has been a decline in the use of cash for transactions, but for many it is still the preferred method of making payments and performing transactions. I take the Deputy's point and the issue he raised about financial literacy is tied to the need for financial inclusion. To ensure that all citizens have the ability to participate in our financial system, there must be a place where they can make deposits and a way in which they can make payments in shops. This is the kind of issue that can be covered in the review of our banking sector and policy, which I expect that the Government will agree to shortly.

Covid-19 Pandemic Supports

Paul McAuliffe

77. Deputy Paul McAuliffe asked the Minister for Finance if he is considering extending enhanced employment wage subsidy scheme, EWSS, supports for childcare providers indefinitely; and if he will make a statement on the matter. [48657/21]

I ask the Minister to consider extending the enhanced EWSS supports for childcare providers.

I thank the Deputy. The objective of the EWSS is to support employment and maintain the link between the employer and employee insofar as is possible. It has been an important part of our response to the Covid-19 crisis. While the criteria for eligibility for business in general is based on a reduction in turnover as a result of the pandemic and having regard to the importance of maintaining the provision of childcare facilities so as to enable parents to continue in or take up positions of employment, the legislation provided that childcare businesses in possession of tax clearance and registered in accordance with section 58(c) of the Child Care Act 1991 are eligible for EWSS. On budget day, I announced an extension of the scheme in graduated form until the end of next April. Since the introduction of EWSS, there has been detailed engagement between my Department and the Department of Children, Equality, Disability, Integration and Youth. Analysis undertaken by the latter Department and the Minister, Deputy O'Gorman, informed the approach taken with regard to the childcare sector.

I assure the Deputy that the childcare sector will continue to benefit from the EWSS exemption until the end of April. As announced by the Minister, Deputy O'Gorman, it is intended to put in place a transition fund between May and August 2022 which early learning and childcare providers can access. From September of next year a new funding stream will be in place to support providers in meeting their operating costs in return for a commitment that fees for parents will not increase.

To answer the Deputy's question, a coherent approach has been taken with regard to the exit strategy from EWSS and the introduction of a new funding stream for the childcare sector. As such, I do not believe there is a need for a further extension of EWSS for the sector because it should be accommodated between the extension of the scheme and the work the Minister, Deputy O'Gorman, will do.

I thank the Minister. He rightly pointed out that this measure was in response to Covid-19 and, importantly, it kept people working in the sector and provided jobs and income. At a higher level, we need to demonstrate how we value childcare in that whole sector before primary school. They do immense work in educating our young children and preparing them for national school. During Covid, we have been haemorrhaging staff from the sector. When that happens, women in particular are challenged and it creates further barriers for them taking up the positions the Minister talked about and being able to go back to work and take up roles outside the home. I welcome what the Minister has said and in his conversations and discussions with the Minister, Deputy O'Gorman, I ask him to take that formal step when it comes to early childcare providers.

In recognition of the issues the Deputy referred to, we ensured that the childcare sector would be able to participate in the EWSS even if particular providers did not meet the revenue decline threshold. It is also the reason that it is the only sector referenced in the scheme. A provider who is in it now will continue to be in it until next April. The sector is undergoing huge change. We need a successful and viable sector to support families, particularly when parents decide to go back to work or to be in the office or workplace for some of their working day. Between the extension of the scheme that I have confirmed, the continued participation of the childcare sector in the scheme and the work the Minister, Deputy O'Gorman, is doing beyond that, it should meet the issues the Deputy referred to.

That is welcome. I call for a whole-of-government approach when the Minister is around the Cabinet table and conversations are happening with the Ministers for Education and Children, Equality, Disability, Integration and Youth in order that we can start to look at the sector in a formal setting and see it as part of the Department of Education. They are teachers and educators and provide so much value. We need to value them in terms of our State's response to that.

I thank the Minister for his reply. The sector, like many others across the board, was in jeopardy for many people providing the service and it was haemorrhaging staff. Ultimately, for women who have lost their jobs or are considering going back to work, if the childcare providers are not in place, it creates further barriers.

I echo what has been said. We need to look at this sector as a matter of urgency. The staffing situation in the childcare sector is at crisis point. The facilities cannot recruit staff. There is something fundamentally wrong when childcare staff using baby wipes are, in some instances, being paid less than the staff who pack those wipes onto supermarket shelves. The system needs to be looked at urgently. In a small county like Roscommon, some childcare facilities did not open in September. I got word today that another childcare facility will close at the end of December. The situation urgently needs to be addressed in the context of staff and, more importantly, of providing access for women into the workforce.

I accept many of the points the Deputy has made. I know how important the childcare sector is in supporting parents to go back to work and giving young children the support they need at the start of their life. I repeat what I said to Deputy Niamh Smyth. She made the case for a whole-of-government approach. I cannot give any better example of such an approach than saying that the childcare sector will continue to be in the EWSS, regardless of how an individual provider performs. Access to this scheme has been one of the most raised issues over the era of the pandemic. Deputies are aware of the debates we have had regarding whether sectors should be able to come into schemes, how long they should stay in schemes and what support they get. The childcare sector is the only sector where, regardless of the performance of an individual provider, the provider stays in the scheme until the end of April.

Tax Code

Richard Boyd Barrett

78. Deputy Richard Boyd Barrett asked the Minister for Finance his plans to ensure that the new 15% minimum global corporate tax rate will be an effective rate given the many reliefs, deductions and allowances which the largest and most profitable corporations avail of to substantially reduce their taxable profit and which results in many of these companies currently paying far less than the 12.5% headline rate on their gross pre-tax trading profits; and if he will make a statement on the matter. [54402/21]

Growing public outrage and international pressure has finally forced some moves towards having a minimum effective corporate tax rate to deal with the phenomenon of aggressive tax avoidance by some of the wealthiest corporations in the world. Although the Government resisted quite hotly, it has now agreed to an effective rate of 15%. Will it actually be an effective rate, because the 12.5% was not effective, and these companies utilise loopholes in the tax code to avoid paying their fair share of tax?

On 8 October, Ireland joined 135 other member jurisdictions of the OECD framework in reaching a two-pillar agreement to address the tax challenges that have arisen from digitalisation. Pillar 1 will see a reallocation of a portion of the income of very large companies from source jurisdictions to market jurisdictions. Pillar 2 will introduce a global minimum effective tax rate of 15% on businesses with a global turnover of greater than €750 million.

It is important to note that 95% of the companies operating in Ireland are outside the scope of this agreement and will continue to be subject to a headline corporate tax rate of 12.5% on their trading profits. I take further comfort from assurances from the European Commission that it plans to propose a faithful implementation of the OECD agreement within the European Union.

As regards the suggestion that companies currently pay far less than the 12.5% headline rate, I remind the House of the published statistics of the Revenue Commissioners, which show that for the year 2019, the most recent period analysed, companies paid an effective corporate tax rate of 10.3%, with foreign-owned multinationals paying an even higher rate. While this is below the headline corporation tax rate of 12.5%, it is relatively close when compared with many of our competitors, and this close alignment of Ireland's headline and effective rates contributes to the tax certainty which so many investors say is an important factor in choosing to locate operations here in Ireland.

The Revenue figures to which the Minister refers, which I have in front of me, do not say what he just said. What they say for 2019 is that there was €195 billion worth of pre-tax profits, before deductions and allowances, and that €10 billion was paid on that. That is not 10% or anything like it, it is 5.6%. The reason the Minister can claim that it is 10% is because about €84 billion of their pre-tax profits are not taxed at all because they benefit from deductions, allowances and reliefs. It is in that area that these companies have exploited loopholes in the tax code to write down their taxable profits, so they end up paying tax on only about half of their actual profits, mostly through intergroup transactions, paying themselves royalties and paying for the use of patents from their own company, which is a scam. How are we actually going to make them pay the effective rate?

I have the figures here in front of me as well. I am sure I got them from the same place Deputy Boyd Barrett did. He is correct, in the sense that credits and deductions are used, but that is not the same as tax avoidance. That is where we differ. Credit, for example, with regard to recognised research and development is not tax avoidance, it is a legitimate way of the tax code recognising that something is happening inside a country that is valuable and that can create employment and investment. It is a common feature of business and corporate tax policy all over the world. The figures – I am sure they are from the same website and publication as Deputy Boyd Barrett has - are very clear. All companies had an effective tax rate of 10.3%; foreign-owned multinationals had an effective tax rate of 11.1% and US-owned multinationals had an effective tax rate of 11.5%.

I want to pre-empt what will probably be the Minister's final comment by saying we value the jobs these companies bring to this country. They do create employment and we want those jobs here. That does not mean they cannot pay their fair share of tax. Revenue figures show the major reliefs and allowances they benefit from are intragroup transactions worth €16 billion in 2019 as a cost to the Exchequer. They are from amalgamations, losses brought forward and other reliefs like that, not research and development. I refer to the big ones. That is why they are paying themselves money, which is profit, but writing it off as a cost. It would be like me saying my ma came up with a brilliant idea and I have to pay her for that brilliant idea and then I claim that as a deduction off my income tax. Revenue would laugh me out of the room, but that is what these corporations are doing. They are writing their own tax bill. The Minister knows it, and the OECD knows it. That is why there is a reform process. What are we going to do to make sure they pay an effective rate?

In his efforts to pre-empt what I was going to say, we had a bit of a hallelujah moment. Deputy Boyd Barrett just said he values the jobs that are here. It is the first time in our years of debating this that I have heard him say that. I think he and I have had a little bit of a breakthrough in this debate.

Give him the application form.

It is great that all this is being recorded. If he does value them, surely he can then understand why we want them in the country and that we need to have a tax code that is competitive, which is why we have had this debate regarding the low rate. While we now agree on something regarding these jobs being valued, where we continue to disagree is that Deputy Boyd Barrett sees, for example, the write-down of an expense as tax avoidance, whereas I see the write-down of an expense in the tax code as a tax policy recognising that there are costs involved in something that will ultimately generate a profit or an income, and that is recognised in how something is taxed. That is our difference.

That is what is recognised by the Minister.

Let us recognise all we have agreed on this evening.

Tax Credits

Denis Naughten

79. Deputy Denis Naughten asked the Minister for Finance if he will review the relief available under the incapacitated child tax credit; and if he will make a statement on the matter. [54323/21]

Denis Naughten

132. Deputy Denis Naughten asked the Minister for Finance if he will review the incapacitated child allowance; and if he will make a statement on the matter. [53577/21]

The financial pressure that is placed on families providing full-time care for a child can be horrendous. A recent study from the National University of Ireland, Galway, found that the average annual cost for families of an autistic child amounted to €28,000, relating to private services, lost income and informal care. The current incapacitated child credit is just €3,300, which is insufficient to meet the costs facing parents.

I propose to take Questions Nos. 79 and 132 together.

The legislation governing entitlement to the incapacitated child tax credit is contained in section 465 of the Taxes Consolidation Act 1997, as amended. The legislation provides that an individual is entitled to a tax credit of €3,300 per qualifying child for a year of assessment if he or she proves that at any time during the year of assessment, he or she has a child who is under 18 years of age and is permanently incapacitated by reason of mental or physical infirmity, or if over the age of 18 years at the beginning of the year, is permanently incapacitated from maintaining herself or himself and had become so permanently incapacitated either before reaching 21 years of age or after that age while receiving full-time instruction at any university, college, school or other educational establishment.

A child under 18 is regarded as permanently incapacitated by reason of infirmity only if that infirmity is such that, if the child were over the age of 18, there would be a reasonable expectation that he or she would be incapacitated from maintaining himself or herself.

For the purposes of the credit, "maintaining" means the ability to support oneself by earning a living from working. In order to establish entitlement to the credit in respect of any such child, medical evidence provided by the child's medical practitioner is required to confirm both the extent of the incapacity and whether the incapacity permanently prevents the child from being able in the long term to maintain himself or herself independently when over the age of 18.

Detailed information on the operation of the tax credit is available on Revenue's website.

This is a matter that was assessed, albeit some time ago, in 2009, when the former Commission on Taxation recommended for reasons of equity that, ultimately, “the appropriate level of State support be provided to all incapacitated children through direct expenditure and that the tax credit be discontinued”. Such a course of action would obviously require very careful consideration and is not on the agenda at the present time. Equally, while tax measures are monitored by my Department as a matter of course, I currently do not have plans for a detailed review of the credit. I am sure Deputy Naughten wants to raise particular issues in regard to the operation of the credit and I will respond at that point.

I thank the Minister. The 2019 research by NUI Galway was carried out by Áine Roddy and Ciaran O'Neill. That research showed that the annual average cost per child for families amounted to €28,464.69 and was related to private autism services, lost income and informal care. By comparison, the annual State expenditure per child with autism in terms of related health, social and education resources was €14,192. That means families were out of pocket to the tune of €9,489.60.

The key findings have shown there is a significant economic burden associated with autism among children and adolescents in Ireland and that a considerable proportion of this is being borne directly by parents rather than by the State. This is also being reflected in the costs faced by other parents of children with disabilities. That is why I believe we need to look at this again in light of this research.

I thank the Deputy. I would be interested in seeing that research if it is possible for the Deputy to give me a copy.

That is no problem.

The Deputy will be aware there is tax relief available on medical expenses and on many different forms of healthcare. I entirely recognise that for a family looking after a child who has a very high level of medical need, the financial costs involved are exceptional. What the Government tries to do through the supports we make available to that family, through measures in the social welfare code and through our tax code, is to provide a meaningful contribution to the costs those families face. I know that, in many cases, costs are rising, they can be great and they can happen at very difficult times for a family. As I said, I am very happy to look at the report to which the Deputy referred to see if there is anything in it that should lead to a revision of our thinking in regard to the operation of this credit.

I thank the Minister for his constructive response, which I acknowledge. The out-of-pocket expenses for private therapeutic interventions and assessments were the highest category of medical costs associated. The average cost incurred by families was €948 but there was a considerable variation in that, ranging from zero right up to €14,400. Part of that variation is the variation in access to services. I will give one practical example. The waiting list at present for occupational therapy and assessments in the west is in excess of two years. Families are forced to go privately to get an assessment, which costs anywhere between €500 and €1,500, and the ongoing costs per session are between €75 and €100.

The State is failing in its obligation to provide early intervention to these children. They cannot get access to public services and families are forced to go down the road of trying to source private services. This whole area needs to be looked at and resourced properly to give every child, regardless of family resources, the opportunity to get early access to those vital services.

The issue of the funding of the very important services to which Deputy Naughten refers is separate to the operation of this credit. I know the Minister for Public Expenditure and Reform and the Minister for Health did an awful lot of work in the run-up to the recent budget to increase significantly the funding available for many of the services the Deputy has referred to. The Minister, Deputy McGrath, also worked with the Minister for Education, Deputy Foley, in regard to the help that can be given to young children who need additional support in our schools. To go back to the original point the Deputy has raised, if he gives me a copy of the report, I will be very happy to have a look at it.

Tax Code

Éamon Ó Cuív

80. Deputy Éamon Ó Cuív asked the Minister for Finance the last time the threshold was increased of the gift a parent can give to a child for them not to be liable to have it assessed as part of their life gifts or inheritance from a parent; if he plans to increase the tax-free ceiling of the annual gift a parent can give a child from €3,000 in the forthcoming Finance Bill; and if he will make a statement on the matter. [54332/21]

One of the ways of increasing taxes is to leave tax thresholds the way they were. A threshold was introduced some time ago where people could give a gift to a child of €3,000 per annum and it was not assessable as part of the lifetime gift to that child in terms of inheritance or gift tax. My question is twofold. When was that threshold set and is it intended to increase the threshold?

I thank the Deputy for his two questions. That threshold was last changed in section 149 of the Finance Act of 2003. The Deputy will be aware of the operation of the credit. It was set in 2003 and I do not at this point have any plans to change it further, although I am aware of the role it plays in supporting families in the gifts they make from a parent to a child. However, with all of the other competing demands on the Exchequer at the moment, I was not in a position to change it in the recent budget.

As I pointed out, not increasing thresholds is actually increasing taxes. The Minister might tell me what is the increase in the consumer price index since 2003 and, in other words, in the real value of a gift. Would the Minister not agree that many parents give gifts to their children at a time of crisis for their children, at a time when there are childcare costs or child costs that were unforeseen, or at a time when they want to get their own property and furnish it, and so on? It seems it is an awful lot of bureaucracy if a parent gives €4,000 or €5,000 in that they then have to make a whole lot of tax returns for that extra €2,000 over a lifetime. I am not saying the person would ever reach the threshold and they might never actually have a tax liability because the inheritance tax threshold is €335,000, but it is all of this paperwork for very little merit. Would the Minister not consider increasing it to, say, a modest €5,000 given that would probably only give the real value of what was there in 2003?

The Deputy is correct that the non-indexation of different thresholds more often than not leads to an increase in tax revenue. As to what has been the change in inflation since the last change was made in 2003, the change in inflation in recent years alone would mean that the real impact of that threshold has now increased, given it has been left unchanged. I cannot at this point give the Deputy an indication as to what will be in next year's budget as we are still dealing with the Finance Bill for this year's budget. As I said, I was not in a position to make a change for this year but I accept that, because it has not been changed for some while, it is now covering off a larger share of any gifts that might be made at the moment from parents to children.

Does the Minister have any idea what an increase to €5,000 would cost the Exchequer?

Yes. An increase to €5,000 would have an approximate cost of €1.1 million.

This is just going to ordinary people who are giving a gift because many parents are now supporting children. Will the Minister give me an outline of what is the total tax take of the State? Thereafter, we will do a little sum in our head as to how much €1.1 million would be out of the €60 billion, €70 billion or €80 billion income and revenue the State is taking in.

The Minister might tell me what the tax take of the State is.

I gave a short answer to the Deputy's first question and I will give a short answer to the second one as well. It is a very low share of the total amount of tax that we take in. I accept that it has not been changed for some time and I thank the Deputy for bringing it to my attention.

Question No. 81 replied to with Written Answers.

Insurance Industry

Niamh Smyth

82. Deputy Niamh Smyth asked the Minister for Finance the way he plans to increase competition in the insurance sector; and if he will make a statement on the matter. [54355/21]

Ruairí Ó Murchú

123. Deputy Ruairí Ó Murchú asked the Minister for Finance the engagements he has had with insurance underwriters to bring more into the market; if an update will be provided on the work of the Office to Promote Competition in the Insurance Market in this regard; and if he will make a statement on the matter. [54345/21]

I want to ask the Minister of State his plans to increase competition in the insurance sector and if he will make a statement on the matter.

I propose to take Questions Nos. 82 and 123 together. As the Deputy may be aware, in July the Government published the first implementation report of the action plan for insurance reform, which shows that work is progressing well, with 34 of the 66 actions contained therein completed. The sub-group’s focus now is on implementing the outstanding actions on time.

One of the key achievements of the Government’s reform agenda is the new office to promote competition in the insurance market, which I chair. The office is an important element of the Government's ambitious insurance reform programme to help to enhance competition, reduce costs and increase the availability of insurance cover. Accordingly, the office has held meetings with a wide range of stakeholders, including insurance companies, representative bodies, civil society groups and State regulators on the issues surrounding competition. Its aim is to help expand the risk appetite of existing insurers and explore opportunities for new market entrants in order to increase the availability of insurance.

I met the CEOs of the major insurance providers in Ireland earlier this year and intend to meet them again in the next few weeks to discuss a variety of issues, including expanding their risk appetite. Separately, I am meeting various specialist firms that operate here and that are seeking to expand and provide cover in particular areas of the market. The office is also working closely with IDA Ireland to bring new entrants into the Irish insurance market and to improve its overall competitiveness. This will, in the first instance, seek out providers that offer insurance in areas which have been identified as pinch points in the Irish market where some customers are encountering difficulties in obtaining cover. This is exacerbated by Brexit in some cases.

The Government is committed to securing a more sustainable and competitive market through deepening and widening the supply of insurance in Ireland. It is my intention to work with my Government colleagues to complete this progress as part of the action plan for insurance.

The Deputy will only have the chance to come in once, along with Deputy Ó Murchú, as we have run out of time.

I know the Minister of State has taken a real and personal interest in this issue because he knows it has created huge barriers for people in business, the voluntary sector and the community sector. Sadly, the Alliance for Insurance Reform has done significant and extensive surveys of more than 450 businesses and voluntary and community groups and it has reported increases rather than decreases. The Minister of State talked about personal injuries and there are certain caps in that area. How can the Government act to improve competition and get additional underwriters into the market as a matter of urgency?

I ask the Minister of State to give a bit of detail on the specialist insurers he is talking about engaging with. I dealt with the Minister of State before on the matter of a particular business that is now facing the cliff edge. We are talking about a pile of firms and Deputy Doherty and others brought up the case of another firm in Dundalk earlier. We will be hitting that cliff edge in February, March or April. We need the duty of care legislation and then we need more providers to come into the sector to provide what is necessary. Otherwise we will have community centres, community groups and businesses closing. I know other specific answers will be required for the likes of the leisure industry. I ask the Minister of State to give some detail on that and I have no doubt that I will be talking to him about this afterwards as well.

I thank the Deputies for their comments and I want to give practical examples of what we are talking about. I met the Alliance for Insurance Reform last week and I hope to meet it again next month and the month after. It has indicated a number of pinch points where some groups are having difficulty getting insurance and that is a particular problem. The survey it referred to only included a number of businesses and is not reflective of all those businesses that have no problem getting insurance. The average price of insurance for a business, which includes sole traders, is about €2,000 per annum. That is a Central Bank figure; not mine. I will also meet Insurance Ireland and Brokers Ireland to discuss the areas in Irish society where there are particular difficulties obtaining insurance. Ice rinks were mentioned in this regard a week ago in a Topical Issue matter. Sometimes if four, five or six groups are operating in the country they might have to come together to help them help themselves in getting insurance collectively. That is the principle matter I will be pursuing in the coming weeks.

Written answers are published on the Oireachtas website.


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• OISE

Practicum highlights: week 1 and 2

*This post was written by Susan He, a Master of Teaching student in the Intermediate/Senior stream.

Week 1:

The first week of practicum was meant to be to low pressure. As a teacher candidate on my first practicum the week 1 was mostly observation and adjusting to the classroom and the school. This is also the time for me to get to know my associate teacher (AT), note her routines and start thinking about the lessons I will be teaching.

My AT is super on top of her lesson planning and I work well with her because I am a bit of a compulsive organizer. So rather than sitting and observing all through week 1 of my practicum, I was able to jump into several group activities the students were working on. They were finishing the biology unit with a heart and frog dissection – my favorite part about biology- and I got to help students with hands-on teaching and learning.

Although this block of practicum is 20 days, the school is non-semestered. By the time I begin teaching in week 2, I have 7 lessons and in that time, I will need to give 1 to 2 quizzes, maybe a lab, and a half chapter/unit test.  So half way through the week, I gave my students a diagnostic checklist in preparation for the chemistry unit which I will be teaching solo, to give me an idea of how to structure the first review lesson and the pace I should be going at with my class. At the end of week 1, the students finished their biology unit with a test and I got to run the bell ringer portion of the test using frogs dissected and labelled by yours truly.

Honestly, after the first week, I couldn’t wait to begin teaching solo because the comfort level was there.

Week 2:

I started the week off by having my lessons prepared and photocopying done. The exhilaration from the week before carried over to week 2. I looked forward to starting a new unit with my grade 10s and I was doing it solo. I had discussed with my AT that I was comfortable teaching an entire 75 minute lesson by myself from the get-go because of my previous experience as a teaching assistant while in university. Now teacher candidates have the option to slowly work towards teaching a full 75 minute class by starting out with co-teaching, co-planning lessons and slowly inserting themselves into the classroom so they would be comfortable leading the class.

One thing I learned after delivering my first lesson was how much longer the lesson turned out to be than I had anticipated. In my mind, I was going to introduce myself and hand out photocopies in the first 10 minutes, give a 20 minute PowerPoint review, followed by a 20 minute activity and a 20 minute lesson on the chalkboard with time left over to assign homework and prep for a quiz the next class, but I had about 10 more minutes of chalkboard notes to go when the bell rang. That meant I had to move the quiz to two classes and save the homework for the next class.

I taught the same lesson with my afternoon grade 10s and realized I got through the same amount as my morning class. This was a relief because it wasn’t due to the students slowing the class down or my delivery but the number of things I had jammed into one class. Going forward I have a much better sense of the amount of material and activities to put into one class. This will be put to the test soon enough because every week my practicum has a late start day and classes will be cut shorter than normal.

Stay tuned for my next post on lesson planning!

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This is a XML Sitemap which is supposed to be processed by search engines which follow the XML Sitemap standard like Ask.com, Bing, Google and Yahoo.
It was generated using the WordPress content management system and the Google Sitemap Generator Plugin by Arne Brachhold.
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https://www.okinawa41.go.jp/contest_s3_award60%Weekly2021-04-30 08:28
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Féminines /

UWCL : One day, one title. A look back at the Historic 5th Women’s Champion League Championship Victory.

Published on 17 May 2019 at 3:00 PM
UWCL : Un jour, un titre. Retour sur le 5ème sacre européen de l'OL
One day, one title. Before the Women's Champions League final on Saturday against FC Barcelona, relive every UWCL title won by the Lyonnaises.

2018: The Historic 5th Title

OL - Wolfsburg: 4-1 (a.e.t)

After a defeat in 2013 and a win in 2016, the Lyonnaises faced Wolfsburg in the 2018 final in Kiev. After both teams were unable to find the back of the net in regulation, the Final went to overtime. In the extra time, after being down 1-0 early in the extra time, the Lyonnaises came to life with goals by Henry (98’), Le Sommer (99’), Hegerberg (103’), and Abily (116’) to defeat Wolfsburg 4-1 in extra time. The win was OL’s 5th Women’s Champion League championship and the 3rd in a row. A historic feat.

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₿itcoin & ₿eer - v0001

First Ever Bitcoin & Beer at Old Coast Ales in St. Augustine FL.

9 months ago   •   1 min read

By Old City Bitcoiners

April 6th @ 6:30 PM - save the date!

Hey! I found a perfect spot to host the first Old City Bitcoiners meetup! It's called Old Coast Ales. They serve beer and wine and the atmosphere seems nice and chill. I asked the bartender if it would be problem to host the meetup, and she seem very receptive! There's a good outside area that we can talk.

To avoid live music (we are there to talk after all!) we will target Tuesdays. The bartender said this was the least busy night. I figured this is as good a night as any for a Bitcoin meetup.

To give me time to advertise the meetup and drum up some interest, I'm scheduling the first meetup for April 6th. Here's a google map to the location.

Hope to see you there!

Want to support this meetup? Donate below. All contributions are applied to our monthly crowdfunding goal.

Spread the word

Keep reading


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Post Treatment Lyme Disease Syndrome (PTLDS), Fibromyalgia and Long Covid

Jennie Jacques

F i l m & T V A c t r e s s

with Jennie

IG: @JennieJacques1

Twitter: @JennieJacques1

Facebook: @Jennie Jacques

Myalgic Encephalomyelitis / Chronic Fatigue Syndrome (ME / CFS) Post Treatment Lyme Disease Syndrome (PTLDS), Fibromyalgia Leading Research. Delivering Hope.Open Medicine Foundation®

What are the advantages of giving from your Donor Advised Fund (DAF)?

  • Your gifts to your donor advised fund entitle you to an immediate income tax deduction at the time of contribution.
  • You avoid capital gains tax on appreciated assets you place in your donor advised fund.
  • Your fund’s investment gains accumulate tax free.
  • Funds are distributed to Open Medicine Foundation in your name and immediately put to use to support our worldwide research efforts.

How do I make a donation through my DAF?

Just click on the DAF widget below. It is simple and convenient to find your fund among the over 900 funds in our system.

Still can’t find your fund?

  • Request a grant distribution through your Donor Advised Fund sponsor
  • Be sure to use OMF’s EIN #26-4712664
  • You can also designate OMF as a beneficiary for your Donor Advised Fund
  • Questions? Give us a call at 650-242-8669

Myalgic Encephalomyelitis / Chronic Fatigue Syndrome (ME / CFS) Post Treatment Lyme Disease Syndrome (PTLDS), Fibromyalgia Leading Research. Delivering Hope.Open Medicine Foundation®

Averting a second pandemic:

Open Medicine Foundation leads groundbreaking international study of

Long COVID’s conversion to ME/CFS

AGOURA HILLS, CALIF.  — Open Medicine Foundation (OMF) is leading a large-scale international collaborative study investigating the potential conversion of Post-Acute Sequelae SARS-CoV-2 infection — more commonly known as Long COVID or Post-COVID Syndrome —  to Myalgic Encephalomyelitis/Chronic Fatigue Syndrome (ME/CFS), a chronic, life-altering disease with no known cause, diagnostic test or FDA approved treatments available.

Up to 2.5 million people in the U.S. alone suffer from ME/CFS; the COVID-19 pandemic could at least double that number. An estimated 35 percent of Americans who had COVID-19 have failed to fully recover several months after infection, prompting many to call it “a potential second pandemic.”

OMF recognized a familiar health crisis emerging, one with eerie similarities to ME/CFS. This crisis presented a unique opportunity to understand how a viral infection — in this case COVID-19 — may develop into ME/CFS in some patients. The goal is to find targeted treatments for ME/CFS patients and ultimately prevent its onset in people infected with SARS-CoV-2 or other infections.

The federal government is only now investing in Post-COVID research, with no focus on its connection to ME/CFS. OMF has already engaged researchers for the largest-scale study of its kind, solely supported by private donors who have contributed over one million dollars to date. When fully funded, the five million dollar, three-year study will be conducted across the globe at OMF funded Collaborative Research Centers, led by some of the world’s top researchers and ME/CFS experts.

In a significant percentage of patients, infections preceded their development of ME/CFS.  For example, according to the CDC about one in ten infected with Epstein-Barr virus, Ross River virus, or Coxiella burnetti develop symptoms that meet the criteria for ME/CFS.

The ability to follow the development of ME/CFS from a known viral infection is unprecedented to date and crucial to researchers’ understanding of the disease. The focus of this study is to find the biological differences between persons returning to good health after COVID-19 and persons who remained ill more than six months after infection and developed ME/CFS.  Understanding these alterations in key pathways can lead to groundbreaking discoveries including new biomarkers, drug targets, and prevention and treatment strategies.

About Open Medicine Foundation

Established in 2012, Open Medicine Foundation leads the largest, concerted worldwide nonprofit effort to diagnose, treat, and prevent ME/CFS and related chronic, complex diseases such as Post Treatment Lyme Disease Syndrome, Fibromyalgia, and Post COVID. OMF adds urgency to the search for answers by driving transformational philanthropy into global research. We have raised over $28 Million from private donors and facilitated and funded the establishment of six prestigious ME/CFS Collaborative Research Centers around the world. To learn more, visit www.omf.ngo.

Heather Ah San

Development and Communications Manager


text:
Golf Course
15 Pinehurst Lane Minesing, ON
$ 3,999,000
Property Attributes
  • MLS#40187093
  • TypeSingle Family
  • CityMinesing
  • AreaSpringwater
  • NeighbourhoodSP71 - Minesing
  • Postal CodeL9X 0C7
  • StyleBungalow
  • Price$ 3,999,000
  • Bedrooms3
  • Full Bathrooms2
  • Half Bathrooms1
  • Sqr Footage3830
  • Lot Size72 Acres
Listing Provided Courtesy Of:
Keller Williams Experience Realty Brokerage
Data Source:
Canada - Ontario Regional (ITSO) - 430 - CAN
Property Description

Welcome to your dream home. This executive custom built family home on 72 acres of land minutes outside of Barrie. Over 3800 sqft of stunning living space. Gourmet kitchen with loads of cupboards and counterspace. Walkout from breakfast area to covered patio and deck. 10ft ceilings throughout main floor. Formal dining room. Large great room with cozy fireplace and 18ft vaulted ceilings. Spacious mudroom/laundry with inside entry to triple car garage. Primary bedroom features 18ft vaulted ceilings, walk-in closet and luxurious 5pc ensuite. 2 other good sized bedrooms with Jack & Jill bathroom. Stunning loft that has been transformed into your very own movie theatre, ideal for entertaining. Basement features heated flooring. This beautiful lot includes a greenhouse with an organic vegetable garden and peaceful hiking trails. Truly a must see home, shows 10+++.

Price History
11/15/2021 Listed $3,999,000

General Features

Basement Separate Entrance
Number of Garage Spaces 3.00

Interior Features

Basement Y/N Yes
Full Baths 2
Half Baths 1

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No Strata Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Property vs Single Family Average in L9X 0C7

AVG 27
Year Built
AVG 2016

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text:
Waterfront - Golf Course
172 Dundas Street Napanee, ON
$ 775,000
Property Attributes
  • MLS#K21004174
  • TypeContingent
  • CityNapanee
  • AreaGreater Napanee
  • Neighbourhood58 - Greater Napanee
  • Postal CodeK7R 2A4
  • Style2 Storey
  • Price$ 775,000
  • Bedrooms5
  • Full Bathrooms2
  • Half Bathrooms0
Listing Provided Courtesy Of:
Data Source:
Canada - Ontario Regional (ITSO) - 430 - CAN
Property Description

Beautifully maintained 1882 stately Victorian triple brick home, in historic Napanee. Home is a 5 minute walk to downtown core and boardwalk along the riverfront. Close to parks, schools, restaurants, gyms & shopping in boutique stores. Napanee is a charming small town with a lot of history, character, community spirit & a great place to raise a family or retire to. Everything you need within a 5 minute drive to anywhere & never a traffic jam. This magnificent home has architectural delights throughout. Original hardwood oak floors have been lovingly refinished to a glossy shine, room colours chosen to match the Victorian era, L-shaped kitchen upgraded 3 yrs ago. Two fireplaces, 1 marble and 1 gorgeous oak front with mantel and liquor cabinet (this one working). Two living rooms allow for plenty of space for entertaining and added living space. The unique ceiling treatment in main downstairs rooms is spectacular. Four porches, the main one providing a huge outdoor space. Master bedroom has the added feature of an entrance to a private second story porch where sunsets can be enjoyed in the evening before retiring. Master also has entrance to a 3-piece bathroom with a clawfoot tub. Additional second story small porch off the upstairs hallway. Architectural detail on the bannister, 10” high baseboards, & double doors all speak to the craftmanship that went into building this century home. Porches were all re-painted in 2020, all outside trim painted in 2012, new appliances and main floor laundry. New deck in 2020 on back for a place to enjoy the afternoon sun. Herb bed and water fountain at the kitchen door enhance what is the common entrance. The fully private driveway leads to the two-story carriage house which has the unique charm of the existing horse stalls still in place and additional loft space above. The unfinished basement is dry and large with four workbenches and lots of room for storage and hobbies. This home must be seen to be appreciated fully.

Price History
6/28/2021 Listed $775,000

General Features

Number of Garage Spaces 0.00

Interior Features

Basement Y/N Yes
Full Baths 2

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No Strata Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Property vs Contingent Average in K7R 2A4

AVG $780K
AVG 60
AVG 42
Data Provided by Walkscore ® not using MLS data

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Back Arrow Icon Back Arrow Blue Icon Back to Events

Bright Nights at The Utica Zoo

November 28, 2021 Bright Nights at The Utica Zoo

5:00 pm - 7:00 pm

Utica Zoo

Phone: (315) 738-0472

One Utica Zoo Way

Utica, NY 13501

The Utica Zoo announces the return of its Bright Nights series, Fridays, Saturdays, and Sundays from Black Friday, November 26 through Sunday, December 19. Bright Nights is Utica Zoo’s premiere holiday event featuring numerous, festive light displays and holiday fun including carols, crafts, food truck vendors, fireside warming stations, and of course Santa Claus!

General admission is $8.00 for adults; $5.00 for children; and $6.75 for seniors, military, and college students with ID. Children under two are free. Utica Zoo members receive 50 percent off admission.


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Drew Doggett Photography
Drew Doggett, Legend

This breathtaking image is part of Drew Doggett’s "Discovering the Horses of Sable Island" series. In 2012 and 2016, Doggett traveled to the narrow, crescent-shaped ribbon of sand and rock off the coast of Nova Scotia known as Sable Island. With no predators other than the harsh environment, the horses of Sable Island live entirely on their own terms. Taken in Doggett’s signature black-and-white style, this series captures the grace, power, and mystery of these incredible horses as they relate to one another and their surrounding habitat. From a limited edition of 500, this work is printed on Hahnemühle FineArt Baryta paper, which sets the standard for image definition and color depth. Each print includes an embossed certificate of authenticity and is signed and numbered.

Artist: Drew Doggett
Care: We recommend handling by professional framers only to avoid creases, kinks, and fingerprints.
Made Of: giclée print on Hahnemühle FineArt Baryta paper
Photographer: Drew Doggett
Please Note: This item is not framed. Because this item is made to order, its estimated delivery date includes a longer lead time.
SKU: 77400785
Standard Delivery: This item ships standard service. Learn more about our shipping & handling rates.
Returns: This item is non-returnable. See our Return Policy for details.
Photographer and filmmaker Drew Doggett tells extraordinary stories of diverse cultures and communities through a fashion-inspired lens. Through both intimate and expansive perspectives, he reveals his subjects in vivid detail. His photographic work can be found in private and public collections globally, notably the Smithsonian African Art Museum and the Mariners’ Museum, and he has received over 90 awards and honors for his images including a distinction from the Royal Photographic Society. Doggett has also been featured in many publications such as Condé Nast Traveler, Photographer Magazine, Professional Photographer Magazine, and Outside Magazine, and has partnered with brands like Hasselblad and Leica. His short films have received critical attention, notably at the Big Sur International Film Festival and the PBS Online Film Festival. All Drew Doggett prints are limited in edition. The artist carefully selects the number of prints of each image to protect the artwork's long-term identity.


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'My car was smashed up, someone tried to get into my house': MP speaks out in wake of colleague's killing

Sky News

Instances of abuse reported to the police by politicians are not always followed up by forces, an MP has told Sky News, as he recalled having his car vandalised and office subject to an arson attack.

Full Article


text:
• Green Party Peace Sign Bumper Sticker

    Green Party Peace Sign Bumper Sticker
    The Green Party has continually opposed entry into war and has consistently called for the immediate return of our troops, in stark contrast to the Democratic and Republican parties.
    Today we march, tomorrow we vote Green Party.

  • Occupy Wall Street: What Just Happened?

    Occupy Wall Street: What Just Happened? ebook cover

    Occupy Wall Street: What Just Happened? eBook

    Occupy Wall Street: What Just Happened? eBook on Amazon

    Occupy Wall Street: What Just Happened? eBook

    Reflections on Occupy Wall Street, with photos, fun, and good wishes for the future. eBook, Occupy Wall Street: What Just Happened? (Only $.99 !) In the eBook, the Occupy movement is explored through original reporting, photographs, cartoons, poetry, essays, and reviews.The collection of essays and blog posts records the unfolding of Occupy into the culture from September 2011 to the present.  Authors Kimberly Wilder and Ian Wilder were early supporters of Occupy, using their internet platforms to communicate the changes being created by the American Autumn.

    The eBook is currently available on Amazon for Kindle;  Barnes & Noble Nook ; Smashwords independent eBook seller; and a Kobo for 99 cents and anyone can read it using their Kindle/Nook Reader, smart phone, or computer.

  • Vintage Jewelry

    Please visit our Etsy shop at: Wilderside Vintage and Antique Jewelry
    Choosing vintage or antique jewelry to wear and/or gift, is a way to be gentle on the planet. Remembering the Waste Hierarchy Triangle, folks who love the planet should always try to…”Reduce, Reuse, Recycle”. Please share or donate your own jewelry and try buying vintage rather than new.

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  • Georgiana, Duchess of Devonshire: Ultimate Fan Guide on Smashwords

The Defibrillators and Thereminist Chris Peters 9/24/10

Defibrillator, Bressingham Steam Museum & Gard...

Image by danielweiresq via Flickr

BACCA Performing Arts Center, Lindenhurst, NY
Friday, September 24, 2010 • 7:30PM
The “World’s Oldest Boy Band”
The Defibrillators
Thereminist Extrordiniare
C. Chris Peters
Admission: $10 • Doors open at 7:00
The show begins at 7:30 with a half hour open mic. Our featured performers start at 8:00.  Light refreshments (coffee, tea, cookies and other baked goods) will be available.The BACCA Arts Center is located at 149 N. Wellwood Avenue, Lindenhurst, NY 11757. For more information, contact the BACCA at: babylonarts@optonline.net 631-587-3696or visit thewebsite: www.babylonarts.com
Aging Baby Boomers now have a band whose music reflects their refusal to grow old gracefully. As pioneers of Senior Citizen Rock and Blue-Haired Blues, The Defibrillators poke good-natured fun at the foils and foibles of aging in their contagious blues-based rock originals. Billing themselves as “the World’s Oldest Boy Band”, The Defibs show they can kick it as energetically as (if not as high as) any of the young whippersnapper bands making the scene. Their high caliber of musicianship is offset only by their subtle theatrics during live performances.
They have a rapidly growing fan base and receive regular air play across the nation from DJ’s that have discovered their music. The Defibrillators have been performing together for more than eight years, and have become a mainstay at the Riverhead Blues Festival for the past six years, the South Bay Festival, the Cedar Beach Blues Festival, the Huntington Fall Festival and many more. Promoters have sought out The Defibrillators to open up for such legendary acts as The Zombies, Leon Russell, Susie Tyrell, Motown Sound and others. Television credits include a recent feature on WLIW Channel 21 on Newsday’s Act II show and several public access TV shows, including auditions for NBC’s America’s Got Talent. Their eponymous CD has garnered rave reviews from The New York Times, Newsday, LI Press, Good Times, LI Entertainment, Aural Fix and other local press.
All the good fun aside, The Defibrillators have rightfully been called Long Island’s first Supergroup by the press. The members of the band are all highly accomplished musicians who have made their mark on the music scene.
Thereminist extraordiniare C. Chris Peters will be performing on the theremin – one of the most unusual, other-worldly sounding instruments in existence. Easy to learn but notoriously difficult to master, the theremin is unique among musical instruments in that it is played without any physical contact!

The BACCA 4th Friday Concert Series

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AdPlug - Download

Free download AdPlug Windows app to run online win Wine in Ubuntu online, Fedora online or Debian online

This is the Windows app named AdPlug whose latest release can be downloaded as adplug-2.2.1.tar.gz. It can be run online in the free hosting provider OnWorks for workstations.

Download and run online this app named AdPlug with OnWorks for free.

Follow these instructions in order to run this app:

- 1. Downloaded this application in your PC.

- 2. Enter in our file manager with the username that you want.

- 3. Upload this application in such filemanager.

- 4. Start any OS OnWorks online emulator from this website, but better Windows online emulator.

- 5. From the OnWorks Windows OS you have just started, goto our file manager with the username that you want.

- 6. Download the application and install it.

- 7. Download Wine from your Linux distributions software repositories. Once installed, you can then double-click the app to run them with Wine. You can also try PlayOnLinux, a fancy interface over Wine that will help you install popular Windows programs and games.

Wine is a way to run Windows software on Linux, but with no Windows required. Wine is an open-source Windows compatibility layer that can run Windows programs directly on any Linux desktop. Essentially, Wine is trying to re-implement enough of Windows from scratch so that it can run all those Windows applications without actually needing Windows.

AdPlug is a cross-platform OPL2 audio player library. AdPlug plays music, originally composed for the AdLib (OPL2) audio board, on top of an OPL2 emulator or by using the real hardware. There are multiple player software interfaces available.

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C++, C

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This is an application that can also be fetched from It has been hosted in OnWorks in order to be run online in an easiest way from one of our free Operative Systems.

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Home Staging for Real Estate Investors in Atlanta, GA

When you invest in real estate to sell or rent, what is your ultimate goal? For most, it is the potential return on investment that draws them to the industry. The key to maximizing that ROI when it comes to a real estate venture? To get your buyers as invested in your property as you are.

The crucial element of success in any home sale is to help your buyers imagine themselves living in your space. Think of your task not just as selling a property, but selling the lifestyle possibilities that go along with it. At Ooh La La Home Staging, we quite literally set the stage for your buyers to fall in love with your space and everything it has to offer them—and once they’re emotionally invested, it won’t be long until they’re financially invested too.

Home Staging Services for Atlanta House Flippers & Real Estate Investors

Fully and professionally staged homes are proven to sell faster and at a higher price point than their unstaged competition. With so many properties on the market, it is essential that you don’t waste any time showing buyers why yours stands out above the rest. When you bring in the team at Ooh La La Home Staging, we’ll transform the look and feel of your flipped house or investment property in Atlanta so that it’s ready to make a jaw-dropping first impression online and in-peron.

Using our interior design prowess and inventory of stylish furniture, lighting solutions, linens, décor, and other accessories, we’ll give your house for sale the warmth and appeal it needs to attract the widest pool of buyers. Like all of our projects, our real estate investor stagings focus on selecting and arranging the items that bring out the best qualities and features of your unique space with a stunning, cohesive aesthetic.

If you want to see the highest return on your real estate investment in Atlanta, GA, you need the knowledge, experience, and interior design eye of an Accredited Staging Professional on your side.

From staging consultations to full staging services, Ooh La La Home Staging has everything you need to make the most of your money as a house flipper or real estate investor in the Atlanta market. When buyers see your space as a move-in ready home, they’ll be jumping at the chance to make an offer before someone else snatches it up first.

Let us help you paint the picture that will sell your property for top dollar in less time, so you can move on to your next real estate investment. Contact us today for a free quote on your Atlanta home staging services!


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Water Footprint Of European Power Production Measured

22 Oct 2019 by OOSKAnews Info
VIENNA, Austria

A new European Union (EU) report calls for increased investment in solar, wind and other renewable power sources to improve water use efficiency in electricity generation.Energy security for the EU is a priority of the European Commission. Researchers from the EU's Joint Research Center, published 18 October, indicates that although both blue and green water resources are increasingly scarce, the EU currently does not explicitly account for water resource use in its energy related policies. The report "The consumptive water footprint of the European Union energy sector" quantifies the freshwater resources required to produce the different energy sources in the EU, by means of the water footprint (WF) concept...

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ESIC Manesar Recruitment 2021-22 Medical Hospital Jobs

ESIC Manesar Recruitment 2022, Latest Vacancy मानेसर कर्मचारी राज्य बीमा निगम भर्ती Employees State Insurance Corporation Jobs In Manesar, Manesar ESIC Job Vacancy, Manesar Department Web Portal, Jobs Career Vacancy, Manesar ESIC Latest Bharti News Today, Manesar ESIC Latest Jobs, Manesar ESIC Government Vacancy, GNM Vacancy, ANM New Vacancy Notification Job Opening, ESIC Manesar Employment News, ESIC Manesar Employment Jobs qualifying, ESIC Manesar employment exchange, ESIC Manesar Bharti Jobs employment renewal, Indian Institute of Science Education & Research rojgar employment, ESIC Manesar Direct Recruitment, ESIC Manesar employment rojgar, ESIC Manesar freshers jobs, ESIC Manesar Free Job Alert

Our website portal is the best platform for those who want to know all the notifications about the recruitment of government vacancies across India.

ESIC Manesar Recruitment 2022– Happy news for Manesar Employees State Insurance Corporation Department Recruitment seekers: If your qualification is MBBS, PG Degree/ Diploma pass then you can expect to be able to apply for the job in Manesar Employees State Insurance Corporation Or eligible candidates can apply. Manesar ESIC Department has issued the latest notification, which details the vacant posts as follows: Published notification for Full Time Contractual Specialist, Sr Resident, GDMO Vacancy.

You can see the notification by going to the official website, you can apply online by visiting Total vacancy, job location, eligibility criteria, salary, educational qualification, application process, application fee, selection process, last date to apply online. Location Address Manesar Bharti
Note: – Candidates are advised to read the notification thoroughly.

ESIC Manesar Recruitment Search for all Manesar  Government Vacancies in India and check all the latest information of Manesar ESIC immediately, know about upcoming Manesar Employees State Insurance Corporation Department Govt Jobs Bharti Notification.You can apply for Manesar ESIC Government Vacancy Jobs notification as soon as possible. Read the full notification before applying online for the latest vacancy job.

Latest Manesar ESIC Vacancies, Check All Latest Government Jobs Manesar Department Job Opening, Upcoming Notification, Manesar  Job Notification Latest News Vacancy Jobs Bharti Information. See other details given below ESIC Manesar Recruitment Latest Application Form, Educational Qualification, Admit Card, Syllabus of Examination, Age Limit, Selection Procedure, Result, Written Examination, Efficiency Examination Application Fee and How to Apply.

ESIC Manesar Recruitment: Details

Name of Department ESIC Manesar
Name of Post Full Time Contractual Specialist, Sr Resident, GDMO
Total Vacancy
Application Mode Walk in Interview
Job Location Manesar
Language Hindi, English

ESIC Manesar Recruitment: Age Limit

– The exemption will be given to the candidates according to the government rule.

ESIC Manesar Recruitment: Qualification

Candidates Should Have Passed MBBS, PG Degree/ DiplomaMust be a graduate from a recognized board.

ESIC Manesar Recruitment: Selection Process
  • Written Test
  • Efficiency Test
  • Document verification
  • Merit List
  • Interview

ESIC Manesar Recruitment: Documents Required
01. Education certificate
02. Identity Card – Voter ID Card, Aadhar Card, Driving License, PAN Card and others
03. Caste certificate
04. Residence certificate
05. Date of birth certificate
06. Passport Size Photo
07. Employment registration certificate
08. Other Documents

ESIC Manesar Recruitment: Pay Scale

  • Check Notification
ESIC Manesar Recruitment: Cost Of Application Fee
Category Fees
General, OBC
PH/ Female

ESIC Manesar Recruitment: Process to apply

Who wants to apply for qualified forms. If you are willing to fill the form, then you can apply on the official website before the last date.

Dates To Remember:
Date of Advertisement:

Last Date to Walk in Interview:

– After reading the post, be sure to see the Notification

  –पोस्ट पढ़ने के बाद अधिसूचना जरूर देखें

Notification Click Here
Official Website Click Here

Disclaimer:- At we provide job according to official website notification and other official notifications by employer. If any mistake is deposited inside the post our web portal is not responsible.

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Heavenly Father, I pray for

November 4, 2019 by Nick Savov

Heavenly Father, I pray for our sister Leah who is being held captive against her will and forced to be a slave. Father I pray for her safety as she is in this horrible situation. Father give Leah strength to endure, courage to be brave, peace that surpasses all understanding and wisdom to recall scripture so that she can pray your word of hope in all situations. Wrap your arms tightly around Leah that she will know without a doubt that you are with her. Father I pray that Leah will be freed

Giving Tuesday - Send 100,000 Bibles to persecuted believers! Give your persecuted family the gift of God's Word! Thanks to a challenge grant, your Bible and discipleship material gift will double in impact, up to $50,000.


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"The X-Files" Terma napisy Polski

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S04E09 "The X-Files" Terma Episode

"The X-Files" Terma

While imprisoned in Russia and infected with the Black Cancer, Mulder learns that Krycek is working with the men responsible and everything has been a setup from the start, while Scully and Skinner are called to a suspicious Senate hearing where the only question is the whereabouts of Agent Mulder.

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Philippines BPO – Personal Assistant

OPKO Finance is dedicated to offering educated, highly motivated personal assistants in the Philippines. In addition to recruiting very capable staff, we also support them with close supervision, state-of-the art facilities and industry-best client monitoring systems.

We have a great experience of different organizations in multiple industries that help us to understand your requirements and implement the correct process that suit to your needs. We, OPKO Finance, have developed a culture of personal assistant who commit to meet deadlines and a high quality of work. Most of our staff are graduated with a Bachelor. They enjoy permanent training courses. We, OPKO Finance, attach a great importance to share best experiences and practices. Our staff based in Philippines is fluent in English.

Our domain expertise in outsourcing customer service extends to every aspect of our operations, from recruiting the best Philippine personal assistant staff; to implementing the best technologies and providing the most effective management and oversight for your support staff.

At OPKO finance, we provide you outsourced resources that enables you to focus on your core business. Here are just some of the roles that OPKO Finance people can fill in the real estate industry:

  • Schedule, email Management
  • Online Presence Updating
  • SEO/Online Marketing
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  • Data Entry/Transcription

  • Technology:Redundancy, Reliability, Results
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  • Customer Experience:Planning and Implementation
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  • Quality Assurance:Constant Monitoring and Improvement
  • Client Integration:Applying Core Metrics to Client Vision
  • Flexibility:Speed to Market
  • Focus on Core Business
  • Access to Best Practices


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Flights Fukuoka to Yonago

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  • ( Itazuke (FUK)
    How far from city centre: 4 kms
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K Distance: 335 kms

Discover cheap flights from Fukuoka to Yonago with the Opodo search engine. By using our flight comparison tool, you'll be able to find your flight selection at the cheapest price available on the market. You can also filter price, timings, airports and more to find the best route to Yonago that suits your needs. Using our 'smart choice' option, Opodo's engine will find the cheapest and most convenient flight out of the list of results, letting you save time and money on booking your flight from Fukuoka to Yonago. Additionally, you can also book a hotel or a car for hire to complete your booking process. You can also download the Opodo App to save on flights and receive exclusive discounts by subscribing to our newsletter. Let us help you book the perfect holiday, save money and effort by using Opodo's flight search engine and enjoy your holiday knowing you got the best flight deals. So remember, introduce your flight details, hit search and you're on your way! The perfect holiday is just around the corner, book now.

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/c/news: World News

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Bikini Laser Hair Removal in Delhi www.fullbodylaserhairremoval.comban site

Pubic hair is different from the rest of the body hair, this is darker and thicker hair. The traditional methods of hair removal such as waxing are extremely painful, shaving can cause cuts. Bikini laser hair removal in Delhi is effectively performed at Dr. Nivedita Dadu’s Dermatology Clinic. The bikini area requires 4-6 sessions to make the area hair-free for a long time.
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Portland City Council aims to expand renter protections

Housing activists display signs outside of Portland City Hall ahead of council discussion on renter protections.(Bethany Barnes/The Oregonian)

More Portland renters may soon be insulated from the financial blow that comes with finding a new place to live.

The Portland City Council heard hours of testimony Wednesday about a plan to make permanent a rental protection rule put in place on a trial basis last February. It requires landlords to pay relocation costs if they evict a tenant without cause or issue a rent increase of 10 percent or more.

The proposed change would also expand the rule to cover more tenants.

The temporary rule didn't apply to landlords who own a single rental unit. An expansion, Commissioner Chloe Eudaly said, is needed considering there are as many as 20,000 units that weren't covered by the old policy because they fell under the exemption.

Another change under the rule: Portland would track landlords who request exemptions from this rule. In addition, landlords would have to notify the city whenever they issue no-cause evictions or raise the rent enough to trigger the requirement to relocation requirement.

City documents about the policy note, "The collection of this data would be the beginning of a rental registration database."

Some landlords who own a small number of rentals pushed back. They argued no-cause evictions provide relief in situations where it's too tough to prove a tenant's bad conduct in court. One landlord noted relocation expenses are paid before a tenant moves out and before a final walk-through, meaning a landlord can hand over money and be left with thousands in damages that they'll likely never recoup.

A point of tension: What if small-time landlords decide the risk of being on the hook for relocation costs is too great and take their units off the market, making the housing shortage even worse?

"Could it cause some landlords to remove their units from the rental market?" Wheeler said at the meeting. "On the margin, I believe it is very possible that some landlords will remove their units from the market. However, broader stability outweighs the concern of the loss of some units."

Housing advocates praised the temporary rule, saying it acted as a deterrent to displacements over the last year and also helped families who faced a rent hike or eviction move without undue hardship.

Still, while some landlords chafe at how broad the new requirement would be, housing activists say it doesn't go far enough. The proposed ordinance includes eleven exemptions, and Commissioner Amanda Fritz wants to add a twelfth. Some of these exceptions include: owner-occupied duplexes, rentals regulated by affordable housing requirements, and a landlord renting while he or she serves in the military.

Another sticking point for renter advocates is the fact that the proposed ordinance doesn't bar landlords from sneaking an increase into fees such as parking, pet rent, and storage costs.

Mayor Ted Wheeler said the logic behind fee increases not being subject to the ordinance is those are under a renter's control and they can make a choice -- even if that choice isn't a happy one.

"So the choice is get rid of your pet, get rid of your car, get rid of your stuff?" Eudaly asked.

Wheeler said he was focused on keeping people sheltered, not cars or pets, and pointed out many neighborhoods have free street parking.

He urged everyone when examining the ordinance to not let "perfect be the enemy of the good."

Talk about the new rule went so long, the council members present dwindled to three.

The council will take up the rule again next week.

— Bethany Barnes

Email: bbarnes@oregonian.com


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How to Make an Easy Origami Tree

How to Make an Easy Origami Tree post image

Trees symbolize the maternal attributes of protection, nurturing energies, stability, shelter and security. This puffy tree joins the collection of origami trees presented previously in Origami Spirit.

This origami tree can be a good complement to this origami house

This origami tree is my own design and you can learn how to make it in the following video tutorial

Tips and suggestions for making this easy origami tree

  • This origami tree is made with two pieces of paper. In the video the tree is demonstrated using thin kami paper, known in the U.S. as “origami paper”.
  • Any other paper –such as gift-wrapping paper or printed paper from old magazines, is suitable.
  • A good size for paper to begin with is 6 × 6 inches (15×15 cm) for the foliage, and 3 × 3 inches (7.5×7.5 cm) for the trunk
  • The final figure shows only one side of the paper.
  • If you can find the right colors you can make a tree representing each season of the year
  • Pink or flower-patterned paper will represent a tree in spring’s blossom. Green paper will make a tree with a summertime feel. Orange paper will suggest fall foliage. White paper could represents a tree loaded with snow.

{ 12 comments… add one }
  • Villa Lembang February 15, 2018, 3:17 am

    saya kira origami hanya bisa dibuat perahu atau bebek,, ternyata banyak juga yang lainya,, terimakasih tutorialnya !!

  • Graciela Ana January 18, 2018, 3:15 pm

    Leyla , has vuelto a publicar tus origamis .Que bueno !!!

  • teresa October 10, 2017, 4:15 pm

    Muito Obrigada. Gostei muito desta ideia.

  • Luz Elena ortiz October 9, 2017, 12:07 am

    Me alegro que hayas vuelto a publicar me encantó el árbol

    • Leyla Torres October 9, 2017, 9:47 am

      Gracias Luz Elena, me alegra que te guste este árbol de papel.

  • Gina October 8, 2017, 9:35 am

    Thank You Leyla,
    Your step by step video was wonderful. Looking forward to trying. One Question – The cute little birds by the tree. Is there a step by step video to made them also?

    PS: So, glad things are better for you!

    • Leyla Torres October 9, 2017, 9:48 am

      Hi Gina,
      The little creatures next to the tree are supposed to be rabbits ;-)
      I don’t have a tutorial for them, but perhaps I’ll make one. It’s a traditional fold and requires one cut.

  • Luz Elena ortiz October 7, 2017, 11:56 pm

    Que bueno que hayas vuelto. hoy precisamente estaba buscando el gato de tu blog porque los voy a hacer para halloween que puedas resolver tus asuntos mucho ánimo

  • Pat Demharter October 7, 2017, 3:27 pm

    Hi Leyla,
    I have been concerned about you. I am so happy to hear from you.
    The tree is very unique. I just viewed the video. I can’t wait to get my hands back to Origami. I didn’t have the spirit since you have been away for so long.
    I hope all is well with you.

    • Leyla Torres October 7, 2017, 4:19 pm

      Thank you Pat. Here I am, happy to be able to share this tree with you. Life has been a little challenging lately, but in the challenges there are seeds of opportunity to grow and become stronger. Thank you for your warm words!

  • Rosemary Browne October 7, 2017, 10:48 am

    Oh, Leyla … I have longed to fold this sweet little tree; however, I have longed even more to see your hands and hear your voice to teach us once again! As always, a perfect tutorial made with love. Go girl :-)

    • Leyla Torres October 7, 2017, 4:16 pm

      Thank you Rosemary. Sometimes life can be a rollercoaster, but I’m happy I was able to finally share this little tree…. always with great love and appreciation for people like you who enjoy the work!

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An Ivy league university in New York gained actionable insights from various data sources in a few clicks.

The university managed grants and other forms of funding through resourced data collection. Some of the data was gathered using platforms that were either difficult to use or access, so the university needed a consolidated process to increase efficiency. Orion ensured that the data would also be housed in one place as the university was previously relying on unstructured sources that led to inconsistencies in data management, data structure and data reporting.

Orion worked with the university to create a structured data warehouse using an SSAS Tabular data model and developed 6 role-based dashboards with 60 drill-down reports. The platform is now used by 700 university employees, which allows for stable, unbiased and reliable data. By increasing data discovery and regulating data management, Orion created better data security.

  • Reduced data reporting time by consolidating all data into a single platform
  • Increased data security, leading to more secure data management
  • Provided ability to better predict outcomes using current sources of data
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