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Money Talk
Common BDBN 'pitfalls' flagged in wake of ASIC action
An industry law firm has identified some of the common traps with BDBNs that can land advisers and their clients in trouble. One example being a recent case of incorrect witnessing of binding nominations.
DBA Lawyers director Daniel Butler said that while binding death benefit nominations (BDBNs) can be a powerful and important tool for a member's succession planning, they are still a relatively new legal instrument, with the law still continuing to develop and evolve over time.
"Cases such as Munro v Munro [2015] QSC 61 and Wooster v Morris [2013] VSC 594 show that effecting a valid BDBN is no simple task," Mr Butler warned.
"More specifically, as BDBNs are a creature of the particular deed, the process of effecting a valid BDBN depends on a number of interrelated factors."
SMSF deeds that include BDBN provisions from the SISA and SISR through wide deeming provisions of regulatory compliance are one of the key problem areas, Mr Butler warned.
"One important lesson to take away from Donovan v Donovan is that the presence of a broad deeming clause can have far-reaching consequences such as including the three-year limitation," he explained.
"The ATO in SMSFD 2008/3 considers that s 59(1A) of the SISA and reg 6.17A of the SISR have no application to SMSFs, subject to the terms of the SMSF deed. Accordingly, an appropriately drafted SMSF deed should expressly exclude these provisions."
SMSF professionals and trustees should also look out for SMSF deeds that rely on a three-year BDBN or contain sloppy wording, he cautioned.
SMSFs that contain poor wording such as "the BDBN is only binding if it's to the trustee's satisfaction" can be easily challenged, he said.
"This type of wording can easily give rise to argument if, say, the trustee is the second spouse who decides to reject the BDBN when their spouse dies," he explained.
It is also important that the chain of previous SMSF deeds, not just the current one, is reviewed, as this can affect whether the BDBN is actually valid.
"The most recent deed must have been varied in accordance with the prior variation power, the relevant consent of each party to effect a variation must be obtained, and relevant notifications under the deed made and any other appropriate legal formalities complied with," he explained.
"Also, all or some deeds may have required stamping in accordance with the relevant state/territory stamp duty legislation. All these formalities must have been complied with in the document trail, or the fund's latest deed may not be valid and effective."
Imprecise wording in a BDBN can also give rise to a number of legal hurdles, such as in the case of Munro v Munro, which used the wording the "trustee of his deceased estate".
"It is interesting to also note that Mr Munro, who practised as a solicitor during his working life, did not pick up on the numerous legal issues in the documents provided by his accountant and financial planner," Mr Butler said.
Recent cases such as the Cantor decision and Perry v Nicholson [2017] QSC 163 highlight the problem of how notification and service requirements in relation to BDBNs may give rise to legal challenge.
In the Cantor decision, the trustee of the Cantor Management Superannuation Fund contended on appeal that a BDBN executed by a fund member in 2012 was ineffective because it had not been given to the corporate trustee of the fund in its capacity as trustee in accordance with the terms of the SMSF deed, the director said.
"The court examined the governing rules of the fund and accepted the proposition that the governing rules did indeed require the BDBN in question to be given to the trustee to be effective. However, the court held that this requirement was satisfied in this case by the member leaving the BDBN document at the registered office of the trustee company pursuant to general law standards of service and the specific statutory framework for serving companies set out in s 109X(1)(a) of the Corporations Act 2001 (Cth)."
In Perry v Nicholson, a requirement in the SMSF deed that BDBNs must be given to the trustee was the likely motivation behind the daughter of the deceased member, Ms Perry, bringing litigation contesting the validity of a 2015 change of trustee.
"Ms Perry submitted that, notwithstanding documentation that purported to change the trustee of the fund in 2015, she was still a trustee of the fund and had not been validly removed," he said.
"Accordingly, Ms Perry submitted that the relevant BDBN purporting to distribute all of the member's death benefits in the fund to the deceased's de facto spouse, Ms Nicholson, was invalid. Presumably, this was on the basis that the BDBN had not been provided to the 'true trustee' of the SMSF."
Although the change of trustee was ultimately held to be valid in Perry v Nicholson, the case illustrates that service and notification requirements can provide further ammunition for an aggrieved beneficiary to scrutinise a fund's document trail, as an invalid change of trustee may provide an avenue to challenge a purported BDBN where these requirements exist.
"The notification or service requirements for BDBNs are generally inappropriate as they give rise to too many issues and prevent members from making effective private BDBNs," he advised.
Mr Butler cautioned that getting a BDBN right is no easy task and many who mistakenly believe their BDBN is secure will have that complacency exposed after their death when their BDBN is rendered invalid.
Advisers, he said, need to give serious consideration to managing BDBNs as part of each client's integrated estate and succession planning.
"Our recommendation is for advisers to institute a 'best practice' approach to ensure that they only use quality documents and procedures. Ideally, this should be done with the engagement of experienced SMSF lawyers. Otherwise, advisers may be open to significant legal liability when disputes arise," he warned.
ASIC has increasingly been ramping up its focus on the conduct of advisers in relation to binding nominations in the past 12 months.
A financial adviser was permanently banned after an ASIC investigation found they had dishonestly backdated advice documents and incorrectly witnessed binding nomination of beneficiary forms.
ASIC stated that they have engaged in "misleading and deceptive conduct" by allowing the "incorrectly witnessed binding nomination forms to be submitted to insurers on behalf of two of his clients".
In January last year, ASIC said that it has discovered widespread examples of improper and unethical practices in relation to death benefit nomination forms.
One of the common practices that concerned the regulator was financial advisers witnessing or having staff members witness client signatures on binding death nomination forms without being in the presence of the signatory. In other cases, it said forms had been backdated.
"Each of these practices fails to comply with the law and may lead to the nominations being invalid," ASIC said.
Miranda Brownlee
25 January 2019
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Bâton Rouge Whitby
25, Consumers Drive (Unit 2) Whitby
Bâton Rouge Whitby
25, Consumers Drive (Unit 2)
Whitby, Ontario, L1N 9S2
We regret to inform you that the Bâton Rouge Steakhouse & Bar - Whitby has been closed indefinitely by our franchisee.
The Bâton Rouge team remains committed to our Whitby fans and we will keep you informed of any developments.
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Wheelchair accessible
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Group reservations

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Donegal teenager excels in Red Bull Moto GP trials in Spain
Caolán Irwin from Kilmacrennan became the only teenage motorbike rider from the Republic ever to make it through to the final selection o...4 years ago
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Mogal Goenkar Bhoinino ani Bhavano,
On this Page there are some External Links to Websites which in one way or another have something to do with Goa. We are not responsible for any Content on these Pages. By Clicking on this links you will be leaveing our Website. Hit the BACK Button of your Browser or just type in our Website name www.goa-germany.org to return back to our Website.
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Frankfurt am Main, Germany. Tuesday, February 19, 2019, 09:03 PM
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The GAG e.V. wishes you all a
Merry Christmas
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happy, prosperous, healthy
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at 16:00 Hours
What's Updated:
Photos of the Christmas Get Together from 1st December 2018 and Laudain from 13th October, Check the
Section. A Report of the Christmas Get-Together can be read in the


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I recently sold a (then) hard-to-get set of decals for Duke Cunningham's "Showtime 100" a famous warplane piloted by one of only two American pilot/aces from the Vietnam War. I had acquired an old MonogramRead more
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Group Tours FAQs
A. Yes, unlike other group tour operators in India, all trips dates are designed definite departure. Once you have processed your bookings with us and paid for it in full, you are sure to board on our amazing tour.
A. Usually we try to limit the strength of our group from 16 to 20 participants but sometime due to high demand of any trip we do accept booking for not more than 24 travellers in a trip.
A. It is very simple; you can simply fill in the Group tour Booking Form with all basic information asked in the form. Upon receiving your information, our group tour experts will get in touch with you to confirm you availability of seats. You may also email us at firstname.lastname@example.com mentioning the name of the trip and date of departure you want to join OR you may directly call our India headquarters at +91 11 40504050 (09.30 AM to 06.00 PM) or on mobile number +91 8800740030 (24 hours) number.
A. Usually we accept bookings of travelers with age of 18 year or above in our group tours. In some cases we can accept bookings of travelers with age less than 18 years but we do not accept bookings if the traveler is a child below 12 years of age. Depending on the case we may reject the booking of any traveler who is below 18 year age. For families or groups having children travelling with them, we recommend booking a private trip on the same or a different itinerary.
A. We have selected hotels based on our survey, their market reputation and mainly feedback received from the past travelers. All our hotels are fixed for the group tours and though it is possible but not easy for us to change your hotel at any place. If accepted by our team such changes may be done and it may incur additional expenses which will be payable by you in additional to the cost of the trip.
A. As stated, we carefully select hotels for stay of our customers. Usually our group trips offer stay in standard hotels having good location and acceptable service standard for our international guests.
You can see the name of all the hotels, reviews and other information related to the hotels on each group tour package pages. We shall provide you same or similar hotels. It is also advisable that you check the information about the hotels online and also via your other reliable sources.
A. We want your stay to be comfortable but as simple as possible. As mentioned, the hotels used in the tours are selected carefully. It is also recommended that you collect enough information about the hotel/s to ensure that they meet with your standard and expectations. If during the trip you find the hotel or hotels not meeting with your expectations we do not have any policy of providing alternative accommodation. If the traveler forces us for the change of hotel, we will review the situation first and will try to sort out if any problem in the room or services of the hotel. If we are left with no option but to change the hotel to satisfy the guest, we will do so with all additional expenses payable by the traveler only. There will be no refund applicable for the hotel booked under the group itinerary.
A. For single travelers we have the facility of combining your accommodation with other co-traveler of same gender. In the event when we do not have any single traveler in the group to share room with you, we offer a single room at supplement cost. If you are travelling single, please clearly mention type of room you wish to book for your stay (single or twin bedroom). We do not guarantee that we will have a single traveler in any particular group and if case occur you may have to stay in a single room only by paying the supplement cost for the room.
A. . Our group tours are open for like-minded travelers joining us from any corner of the world. We anticipate that people of similar taste from different region, religion and different age group join our trips and they meet with each other on these great journeys to share good time and be friends for the rest of the life.
A. Depending on your flight information, we provide you with a company owned air-conditioned vehicle from airport to hotel upon arrival and also from hotel to airport upon your departure. Most our airport pickups and drop off services are escorted by an expert customer care executives.
A. Most hotels provide 1400 hours check-in and 1200 hours check-out facility for the convenience of the guests. Early check-in or late check-out for few hours can be requested to the hotel with no additional charges. But the same is always based on the acceptance of the hotels and subject to availability of room/s at the time of your arrival in the hotel. Neither we nor our hotels will guarantee that the rooms will be kept on hold for you under complimentary early check-in or late check-out facility. If you want us to hold room/s for you on guaranteed basis, it is recommended that you reserve the room/s from the previous night only.
A. If, due to any reason you miss the part of the trip you may join the group in their current city of travel. In such case we will transport you from your arrival airport to the hotel where the group is staying, but all additional expenses for the transport etc. are to be paid by you only.
A. Usually all our tours are backed by English speaking local tour guides or tour escorts who have great knowledge about the history, culture and people of the places your visit.
A. Depending on the total strength of the group, we use excellent air conditioned buses, tempo travelers, cars etc. for sightseeing trips, excursions and intercity travel. All our vehicles are backed by courteous drivers and equipped with many required facilities.
A. Usually, but not necessarily, a half day sightseeing trip takes 4-5 hours and a full day sightseeing trip may last for about 8-9 hours depending on the traffic on the roads and time spent by the group members on each monument.
A. It is your trip and you can definitely decide to skip any local sightseeing trip if you feel relaxing in the hotel or doing other activities based on your interest. We are perfectly ok with this as far as it does not incur any additional cost to us or the other travel participants in the trip. You can even contact our local tour consultants to book other additional travel services from us at discounted price offers.
A. Of course yes, If you like any of the tour itineraries given under our group tour section and if you want to organize a private group of friends or family member or customers on the same (or customised) trip, we welcome it. Such trips can either be done with the same price and services as mentioned on our website or can be customized depending on the choice of the group members.
A. You need not to worry about it. As we have mentioned the trips will go for sure even if we do not get bookings on any given date and if we are having only 2 participants on the trip. We will provide you services exactly as mentioned on our website and/or agreed in our booking agreement with you. We guarantee that you will not pay any additional cost on the package for this case.
A. No. Our trips are meant to depart for sure and we do not charge any additional cost to the travelers even if we have bookings for only 2 travelers. It is entirely our responsibility to provide you the tour in as in shape and with all services mentioned in the list inclusions.
A. If you are interested in joining a group tour with Max Holidays, you can check for contact details of an authorized agent in/near your country of residence. You can also place your bookings through our offices/agents/partners and authorized agents without having the burden of additional fee for the local office or agent.
A. Absolutely yes, if you wish to travel solo or with your family or a partner, we welcome your bookings for a private trip. You may select your own dates, hotels and other services. Our travel experts price the trip for you based on your specifications and they ensure to fit it within your budget and interest.
A. To reserve a seat in our group tour, you can pay only USD 200 (per head) which is absolutely refundable within next 2 days if you change your mind. For detailed information you can check our Booking and Cancelation Policy' or write to one of our Travel Consultants.
A. We have set our cancelation policy to meet with international standards. While you are making bookings with us, we recommend that you read our Booking Conditions carefully and provide us your consent on the same. Our Booking Conditions provide you detailed information on our policies for bookings, payments, cancelations, refunds etc.
A. Most trips include return airport transfers, accommodation in handpicked hotels, breakfast (and sometimes few lunches and dinners too), sightseeing and excursion trips in an air-conditioned vehicle, friendly driver, experienced local English speaking tour guides etc. For more and accurate information, it is recommended that you carefully read the list of inclusions and exclusions mentioned in our group tour/s section.
A. No, any unutilized service is not refundable. We encourage you to enjoy the services and sightseeing trips as designed for the tour.
A. Once you book your seat with us in one of our group tour package, we send you a set of updated and detailed tour itinerary, list of confirmed hotels and transfers etc., tour invoice, payment receipt and other information as may be required by you for the trip. All other travelling documents will be handed over to you by our representative upon your arrival in India.
A. We want everyone to be able to explore our beautiful world, and depending on the type of physical fitness required for a particular trip, we accept bookings for physically challenged people too. Although most our hotels offer facilities for physically challenged people but it is strictly advisable that you inform us during the initial stage of correspondence about physical challenge of the traveler so that we may consider the situation based on the type of the trip.
We do have added some add on trips in our group tours which require lot of walking so either the physically challenged people bring attendant with him/her for assistance on the tour or the traveler skips such activities.
A. We use various domestic air carriers for your trip depending on their schedule and deals made available for the travel sector. All our flight tickets booked for you are in economy class only. All flight fares quoted by us are tentative unless ticketed and are subject to change without prior notice. All flight schedule, fares, departures etc are subject to airline policies only. For booking yourself in a higher travel class in the flight or for placing any special request to the airline on your behalf, you may contact with our travel consultant or a local representative.
A. At Max Holidays you are sure to get the best of the deals for flight tickets and other pre/post tour services. We welcome your bookings. But if you wish to make your own arrangements for internal flights, we do not have any problem with this. You just need to be sure that you are booking yourself in the flight with the group only and after booking your internal flight tickets you must provide a copy of your air tickets to our office for making further travel arrangements for you. It is to be noted that if you are booking yourself in flights other than the group schedule, you may require private airport transfers in those cities which may incur additional expense on you.
A. Certainly yes, you can anytime contact our travel consultants to provide you with our offers and services for booking your pre and/or post group tour itinerary. We ensure that your additional services are booked at the best available deals and the same are properly arranged to meet with your comfort.
A. In most or all cases, the travel vouchers are not transferable as we make all reservations under your name only. If the case occurs you need to contact our India headquarters and explain about the emergency. Depending on the type of the trip, nature of services and acceptance from various hotels etc. our authorized team leader will confirm you on this. We shall try our best to accommodate the other person replacing you, but it is not guaranteed and it does not fall under our obligation.
A. It is quite possible, unless we have not booked your flights, rail tickets, event tickets etc or have paid to the hotels on your behalf. You need to check with our office and shift your travel dates only after having written consent from our India headquarters.
A. Yes, a valid necessary travel visa is required to visit India and other countries of the tour. You can contact an Indian Embassy or a High Commission in your country to know about the process or getting visa. A valid travel insurance is also a must. India also offers the facilities of eTV or TVOA (Tourist Visa on Arrival) for travellers from about 165 countries listed on https://indianvisaonline.gov.in/evisa/tvoa.html . E Tourist Visa is completely online service by Indian Govt. and no facilitation is required by any intermediary.
A. Tipping is a culture for travel. We want to set you free to your discretion on tipping. It is highly recommended to offer suitable tip to porters, restaurant staff, bell boys, drivers, helpers etc. as they accept to get rewarded for their excellent job they did to comfort you. You must carry small currency notes of Rs. 50 and Rs. 100 in your pocket to pay against tip where and when you feel to pay.


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Showcasing a barbecue and views of the sea, Badao House is located in Phan Thiet in the region of Binh Thuan, just 9 miles from Co.op mart Phan Thiet. Guests can enjoy the on-site restaurant.
Every room at this family stay is air conditioned and features a flat-screen TV with cable channels. Certain accommodations have a sitting area where you can relax. You will find a kettle in the room. Extras include slippers and free toiletries.
There is a 24-hour front desk at the property.
The family stay also provides car rental. Binh Thuan Bus Station is 10 miles from Badao House, and Phan Thiet Food Street is 10 miles away. Lien Khuong Airport is 56 miles from the property.
34/4 hẻm 202 nguyễn đình chiểu hàm tiến, Phan Thiet, Vietnam
34/4 hẻm 202 nguyễn đình chiểu hàm tiếnPhan Thiet, Binh Thuan, Vietnam


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96060165, Gasket
Please help our community — upload your photos of 96060165.
Spare Part Information
This is a gasket, coolant recovery reservoir cap (rubber) (**vpi 1-877-846-8243), for Chevrolet, Chevrolet Trucks, and Pontiac Trucks automobiles. It fits for Chevrolet Metro, and Sprint, Chevrolet Trucks Tracker 2WD, Tracker 4WD, S10 pickup 2WD, Tracker 2WD, and Tracker 4WD, Pontiac Trucks Sunrunner convertible 2WD, and Sunrunner 2-door hard top 4WD for the U.S.. It's a genuine General Motors part with an OEM part number 96060165.
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Electric Guitar Picture Frame (Red) Christmas Ornament
Personalized Christmas Ornament
Dimensions: 3" x 4 1/2"
Material: Acrylic and Wood
Our red electric guitar Christmas ornament is a customer favorite, and now we are offering this cool guitar attached to an acrylic picture frame ornament! Place a photograph into the frame for a fun way to diaplay a picture of a concert you attened, a friend playing the guitar, or for a child who is taking guitar lessons. Great gift to give to a music teacher or to someone who loves to listen to rock and roll music. You will appreciate the craftmanship of the guitar with its real strings and smooth carved edges.
Customer Reviews
Read what our customers say about our Personalized Christmas Ornaments and their shopping experience!Hover over testimonials to stop scrolling
9/4/2018 - "I have ordered from the Ornament Shop for the past few years and have always been delighted with the product. Only once was there a problem and the ornament was replaced very quickly. Loris E."
10/5/2018 - "I have ordered from OrnamentShop for a number of years. I have been very pleased with their customer service. Teresa P."
12/23/2018 - "the ornaments are of great quality and the pricing was appropriate. Extremely happy with all 5 ornaments. Judith D."
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8/20/2018 - "Please give Debbie an "Atta Girl" for the week for me; she has been very Helpful. Courteous seems to be her middle name as she is very Courteous, Thoughtful and Understanding. Through out the entire process Debbie guided me w/compassion. People like her are one of the reasons that I will keep coming back to The Ornament Shop. I am looking toward the Holiday Season so that I can take full advantage of your selections. They have in the past always amazed me as to the appearance of each. Thank You, Charles E."
10/17/2018 - "There was a lot to chose from. Very excited to see dirt bikes and field hockey. They are had to find can't wait to get my items. kathie D."
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9/24/2018 - "Hello Dianne - It is nice to know that you are interested in your customers satisfaction. I would like to share with you that I already took the survey that I received in via email and gave you all excellent scores and wrote a positive note at the end of the survey. It is my pleasure to share with you my feelings. Yesterday we saw our friends who own the vineyard and gave them this special, personalized ornament. They were delighted with it. My husband and I were so impressed with the quality and size of the ornament that we gave it to them with great pleasure. To sum up our feelings, I was truly impressed with your responsiveness when I was interested in purchasing your product and even more impressed with the quality and size of the ornament. I will be purchasing all my future ornaments through your company. I look forward to Christmas this year believing I will be able to find the perfect ornament for each of my children. Sincerely, Patricia S."
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Santa Cruz La Laguna
La Iguana Perdida Hotel
La Iguana Perdida Hotel
on the waterfront, Santa Cruz La Laguna 07008, Guatemala
Santa Cruz La Laguna Guatemala
Rated 89 / 100 based on 271 customer reviews.
The quality of service and hospitality at La Iguana Perdida Hotel has been identified as outstanding based on consistently high customer review ratings.
The customer review score on Gohotels is calculated using a proprietary algorithm to determine an overall customer rating between 0 and 100. Multiple factors such as cleanliness, facilities, location and service are considered.
Properties with a customer review score in excess of 75 / 100 are presented with an Outstanding Service Award.
La Iguana Perdida Hotel has achieved a score of 89 / 100 based on 271 customer reviews and has therefore qualified to receive an Outstanding Service Award from Go Hotels.
If you own or represent this business click click
to learn more about this award and how it can benefit your business.
La Iguana Perdida Hotel offers a relaxed setting while in Santa Cruz La Laguna.
The hostel has 38 relaxed rooms that are filled with all the essentials to ensure a comfortable stay.
La Iguana Perdida Hotel houses a restaurant and a bar where guests can relax at the end of the day with dinner and a drink.
Facilities @ La Iguana Perdida Hotel include:
Show Map


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The hotly fought competition for Amazon's second headquarters and other recent megadeals to corporations looking to relocate have reignited a long-running debate over the value of economic development incentives. Proponents say these tax breaks, credits and other financial inducements are necessary to attract business and help bring jobs and investment to localities that are at a disadvantage in competitive marketplaces. Critics counter that such giveaways primarily benefit already prosperous corporations while reducing funding for education and other public services. Politicians often find it hard to resist offering subsidies, in part because they are eager to show constituents that they are fighting hard to attract jobs and investment. But public officials in several states and municipalities are now taking a hard look at incentive programs and reconsidering their value.read full report
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Brereton, Sir William
(d. 1541?)
- Mary Ann Lyons
Brereton, Sir William (d. 1541?), lord justice of Ireland, was the eldest son of Sir Andrew Brereton of Brereton, Cheshire, and Agnes, daughter of Robert Legh of Adlington in the same county. William was knighted before 1523 and served on several local commissions. He married, first, ...


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Podcast: THE CABLE
Tune in to THE CABLE - the transatlantic wire on security and democracy.
The Cable is a production of the Transatlantic Democracy Working Group and the Institute of Current World Affairs in Washington.
Join us every other week as host Gregory Feifer takes you behind the threats facing democracy in Europe and the transatlantic relationship to tackle thorny questions, such as:
Why is populism popular?
How and why does propaganda work?
Who defines patriotism and how?
Will the transatlantic alliance survive?
Subscribe to THE CABLE on iTunes, GooglePlay, SoundCloud, Spotify or wherever you get your podcasts.
episode 3
battleground Moldova
Join host Gregory Feifer as he discusses the little-known former Soviet republic of Moldova, one of the important battlegrounds in the mounting confrontation between Russia and the West. Joining Greg are Jonathan Katz of the German Marshall Fund, Corina Rebega of the Center for European Policy Analysis, and Valeriu Pasha of Watchdog.MD.Elections next week will be a key determining factor for whether the country can push ahead with democratic reform or slide back into Moscow's corrupt orbit.
Episode 2
Join host Greg Feifer as he speaks with Joerg Forbrig of the German Marshall Fund and Wojciech Przybylski, of Visegrad Insight, the authors of an important new report called Central European Futures, on their forecast of 5 possible scenarios for the future of Europe.
Episode 1
Is 2019 pivotal for the democratic world order?
Join Greg Feifer as he speaks with Transatlantic Democracy Working Group Director Susan Corke and founding steering committee co-chairs Jeff Gedmin and Norm Eisen for a discussion of the working group's mission—prioritizing a core value of the transatlantic alliance: that our democratic foundation is our security—in what may be a pivotal year ahead.
about this podcast
Democracy is under attack in Europe as the assumptions that underpinned the development of the E.U. and NATO during more than six decades following World War II are now under question. Illiberal governments are burgeoning in Poland and Hungary. A nationalist, populist wave has seen right-wing governments come to power in Italy, Austria and other countries. The European project's previously stalwart leader, Germany's chancellor Angela Merkel, is on her way out, and her would-be successor, France's President Emmanuel Macron, is unpopular and confronted by protests. And the main guarantor of transatlantic security, the United States, is led by one of the alliance's most bitter critics.
Seeking to address these issues, the Transatlantic Democracy Working Group (TDWG) was launched last year as a bipartisan platform for discourse and coordination. We felt that the discussion needed deeper context. We needed The Cable.


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WELCOME HOME TO BELLEAU VILLAGE SUBDIVISION! ONE LEVEL LIVING TOWN HOME features 3 bedrooms, 2 baths AND unfinished BONUS ROOM. This home has BRAND NEW CARPET and FRESH PAINT. This practically maintenance free town home displays a combination of brick and vinyl siding. The great room features a trey ceiling, open design and cozy gas log fireplace with handcrafted mantel, gourmet kitchen features tile floors, GRANITE COUNTER TOPS, BACK SPLASH with MOSAIC TILE, CUSTOM CABINETRY, and STAINLESS STEEL APPLIANCES including (MICROWAVE, DISHWASHER, FREE STANDING ELECTRIC RANGE and REFRIGERATOR), dining room has a decorative paint pallet, extensive wainscoting, trim and crown molding,master suite features a double trey ceiling, walk-in closet, recessed decorative lighting, DOUBLE BOWL VANITY, STAND UP SHOWER and GLASS DOOR.This home has a 2 car garage, screened in porch and SO MUCH MORE! This town home is conveniently located with easy access to I-75 and I-24, only minutes to downtown, airport, shopping and hospitals. This BEAUTIFUL town house offers comfort and luxury! Call TODAY! (PLEASE NOTE: THE SELLER IS AN OWNER/AGENT)
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Stripey Wallpaper
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The last meeting of 2011 of the Supervisory Board of the State Company Avtodor was held on December 28. The meeting was chaired by the Minister of Transport of Russia, Igor Levitin, who presented the new member of the Supervisory Board, the Chairman of the State Company, Sergei Kelbakh, to the other members.
28 December 2011
First Deputy CEO of the Russian Highways State Company Sergei Kelbakh will head the company on December 27. "Beginning from tomorrow Kelbakh will head the company," the press service said. It was earlier reported that Chief Executive Officer Sergei Kostin had been relieved of his duties and transferred to another job. A corresponding resolution was posted on the Russian government website on Monday.
27 December 2011
Anatoly Kuzichev interviewed First Deputy Board Chairman of the Russian Highways State Company Sergei Kelbakh in the Vesti FM radio studio.
18 December 2011


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There are a number of things people do to help cope with symptoms of anxiety disorders and make treatment more effective. Stress management techniques and meditation can be helpful. Support groups (in-person or online) can provide an opportunity to share experiences and coping strategies. Learning more about the specifics of a disorder and helping family and friends to understand better can also be helpful. Avoid caffeine, which can worsen symptoms, and check with your doctor about any medications.
There are things that people with panic disorder can do to assist with their own recovery. Since substances like caffeine, alcohol, and illicit drugs can worsen panic attacks, those things should be avoided. Other tips for managing panic attacks include engaging in aerobic exercise and stress-management techniques like deep breathing and yoga on a regular basis, since these activities have also been found to help decrease panic attacks.
Obsessive-compulsive and related disorders are characterized by obsessive, intrusive thoughts (e.g. constantly worrying about staying clean, or about one's body size) that trigger related, compulsive behaviors (e.g. repeated hand-washing, or excessive exercise). These behaviors are performed to alleviate the anxiety associated with the obsessive thoughts. These types of disorders can restrict participation in everyday life and/or generate significant distress, for instance, by making it difficult to leave the house without many repetitions of a compulsive behavior (e.g. checking that the doors are locked). Periodically experiencing worry or having a few "idiosyncratic" habits does not constitute an obsessive-compulsive or related disorder. Instead, these disorders are characterized by unusually high levels of worry and related compulsive behaviors, in comparison with a typical range of individuals.
In a decision context, unpredictability or uncertainty may trigger emotional responses in anxious individuals that systematically alter decision-making.[46] There are primarily two forms of this anxiety type. The first form refers to a choice in which there are multiple potential outcomes with known or calculable probabilities. The second form refers to the uncertainty and ambiguity related to a decision context in which there are multiple possible outcomes with unknown probabilities.[46]
Try to adopt a more casual attitude. so when you feel your heart start beating faster, say something to yourself like: Oops! Something set off my stress response, can't see anything dangerous here. I'll just wait for a few minutes for my brain and body to realize I'm not in any danger". This type of self-talk is much better than "There's something wrong with my heart! I'm having a heart attack, I'm dying!!"
When used in the appropriate person with close monitoring, medications can be quite effective as part of treatment for panic disorder. However, as anything that is ingested carries a risk of side effects, it is important for the individual who has panic attacks to work closely with the prescribing health care professional to decide whether treatment with medications is an appropriate intervention and, if so, which medication should be administered. The person being treated should be closely monitored for the possibility of side effects that can vary from minor to severe, and in some cases, even be life-threatening. Due to the possible risks to the fetus of a mother being treated for panic attacks with medication, psychotherapy should be the first treatment tried when possible during pregnancy and the risk of medication treatment should be weighed against the risk of continued panic attacks in regard to the impact of a developing fetus.
As with most behavioral illnesses, the causes of panic attacks are many. Certainly there is evidence that the tendency to have panic attacks can sometimes be inherited. However, there is also evidence that panic may be a learned response and that the attacks can be initiated in otherwise healthy people simply given the right set of circumstances. Research into the causes of panic attacks is ongoing.
Some people have only one or two attacks and are never bothered again. Panic attacks can occur with other psychiatric disorders. In panic disorders, however, the panic attacks return repeatedly and the person develops an intense fear of having another attack. Without help, this "fear of fear" can make people avoid certain situations and can interfere with their lives even when they are not having a panic attack. Therefore, it is very important to recognize the problem and get help.
Paula had her next panic attack three weeks later, and since then, they've been occurring with increasing frequency. She never knows when or where she'll suffer an attack, but she's afraid of having one in public. Consequently, she's been staying home after work, rather than going out with friends. She also refuses to ride the elevator up to her 12th floor office out of fear of being trapped if she has a panic attack.
We all experience anxiety. For example, speaking in front of a group can make us anxious, but that anxiety also motivates us to prepare and practice. Driving in heavy traffic is another common source of anxiety, but it helps keep us alert and cautious to avoid accidents. However, when feelings of intense fear and distress become overwhelming and prevent us from doing everyday activities, an anxiety disorder may be the cause.
For me it's knowing or believing I don't have enough time to finish an assignment, and then I feel like a failure. Right now, I'm doing the most difficult assignment of my life, and if I don't finish it on time, my graduation will be delayed. This is on top of all my other responsibilities. And to think that I'm supposed to have an accommodation for extra time. Ha! The university and the state don't care. They just want me to fail so I have to dish out more money to line the pockets of the corporation that assigned this required project.
Behaving in an apprehensive manner produces the physiological, psychological, and emotional state of anxiety. When we behave apprehensively (worried, fretful, concerned, afraid), the body activates the stress response, which secretes stress hormones into the bloodstream where they travel to targeted spots in the body to bring about specific changes that enhance the body's ability to deal with danger. The stress response is often referred to as the fight or flight response because of how it equips the body to either fight with or flee from danger.
If you are suffering from Generalized Anxiety Disorder, you just can't shake your concerns about anything and everything. And the severity of the condition may come and go. During mild episodes of your condition, you are more likely to be able to hold down a job and not have the disorder interfere too much with your social life. When your anxiety flares up, you might experience difficulty with everyday life situations and find the simplest tasks unbearable.
Prevention is more effective than treatment for panic attacks. Prevention involves stress management methods such as meditation and mindfulness to reduce your stress so that it doesn't accumulate and eventually erupt into a panic attack. Prevention is not about stopping a panic attack just before it happens. The best you can do just before a panic attack is manage it.
Warren: So if you're walking down a dark alley, you are probably thinking that there could be potential danger; that anxiety of anticipation, the feeling in your stomach, the elevated heart rate. But if you're walking down that alley and somebody jumps out with a knife, then you're likely to have a panic attack — an overwhelming urge to escape a situation that is dangerous.
Genetic risk factors have been documented for all anxiety disorders. Clinical genetic studies indicate that heritability estimates for anxiety disorders range from 30-67%. Many studies, past and present, have focused on identifying specific genetic factors that increase one's risk for an anxiety disorder. To date, an array of single nucleotide polymorphisms (SNPs) or small variations in genetic code, that confer heightened risk for anxiety have been discovered. For the most part, the variants that have been associated with risk for anxiety are located within genes that are critical for the expression and regulation of neurotransmitter systems or stress hormones.
Family Therapy is a type of group therapy that includes the patient's family to help them improve communication and develop better skills for solving conflicts. This therapy is useful if the family is contributing to the patient's anxiety. During this short-term therapy, the patient's family learns how not to make the anxiety symptoms worse and to better understand the patient. The length of treatment varies depending on the severity of symptoms.
Your heart beats fast, and your breathing speeds up. Your chest may feel tight, and you might start to sweat. If you've ever felt it, you know that anxiety is just as much a physical state as a mental state. That's because there's a very strong biological chain reaction that occurs when we encounter a stressful event or begin to worry about potential stressors or dangers in the future. Other physical symptoms include sweating, headaches, and insomnia. Psychological symptoms may include feeling restless or irritable, feeling tense, having a feeling of dread, or experiencing ruminative or obsessive thoughts.
The degree of accompanying stress response and its physiological, psychological, and emotional changes are directly proportional to the degree of anxiety. For example, if you are only slightly concerned, such as being slightly nervous about meeting someone new, the body produces a small degree stress response. The small degree stress response can be so slight that you don't even notice it.
Antidepressants are medications used to treat symptoms of depression but can also used to treat anxiety symptoms as well. In particular, selective serotonin reuptake inhibitors (SSRIs) and selective norepinephrine reuptake inhibitors (SNRIs) are the primary class of antidepressant used to treat anxiety. SSRIs commonly used to treat anxiety are escitalopram (Lexapro) and paroxetine (Paxil, Pexeva). SNRI medications used to treat anxiety include duloxetine (Cymbalta), venlafaxine (Effexor XR).
Although there are not specific causes for panic attacks in adults, teens, or children, like most other emotional symptoms, panic is understood to be the result of a combination of biological vulnerabilities, ways of thinking, and environmental factors like social stressors. According to one theory of panic disorder, the body's normal "alarm system," also described as the body's fight or flight system, the set of mental and physical mechanisms that allows a person to respond to a threat, tends to be triggered when there is no danger. Scientists don't know specifically why this happens or why some people are more susceptible to the problem than others. Panic disorder has been found to run in families, and this may mean that inheritance (genetics) plays a role in determining who will develop the condition. However, many people who have no family history of the disorder develop it. Studies differ as to whether drugs like marijuana or nutritional deficiencies like zinc or magnesium deficiencies may also be risk factors for developing panic disorder.
Many people use the terms anxiety attack and panic attack interchangeable, but in reality, they represent two different experiences. The DSM-5 uses the term panic attack to describe the hallmark features of panic disorder or panic attacks that occur as a result of another mental disorder. To be considered a panic attack, four or more of the symptoms outlined in the DSM-5 must be present.
I started crying and could barley breathe then i started getting butterflies in my stomach I had a bad headache and I felt weak and shaky I haven't been diagnosed with anything because I don't tell people about it only my really close friend…anytime something goes wrong I feel like I'm going to cry maybe I'm just an emotional person but idk any suggestions?
A panic attack is a response of the sympathetic nervous system (SNS). The most common symptoms include trembling, dyspnea (shortness of breath), heart palpitations, chest pain (or chest tightness), hot flashes, cold flashes, burning sensations (particularly in the facial or neck area), sweating, nausea, dizziness (or slight vertigo), light-headedness, hyperventilation, paresthesias (tingling sensations), sensations of choking or smothering, difficulty moving, and derealization. These physical symptoms are interpreted with alarm in people prone to panic attacks. This results in increased anxiety and forms a positive feedback loop.[10]
So how do you know if your anxiety is "normal" or "excessive?" It's normal to be worried about an upcoming test or wondering how you are going to cope financially when you unexpectedly find out you need major repairs done to your house. If you are suffering from the type of excessive worry that accompanies Generalized Anxiety Disorder, you may see a report on the local news about a new health scare in a different country and stay awake at night worrying about you or your family being affected, even though risks are minimal at best. You will likely spend the next few days and weeks in a constant state of worry about the well-being of your family and experience anxiety that is debilitating, intrusive, excessive, and persistent.
SSRIs and SNRIs are commonly used to treat depression, but they are also helpful for the symptoms of panic disorder. They may take several weeks to start working. These medications may also cause side-effects, such as headaches, nausea, or difficulty sleeping. These side effects are usually not severe for most people, especially if the dose starts off low and is increased slowly over time. Talk to your doctor about any side effects that you have.
There are dozens of drugs that can be prescribed to treat anxiety. Since each person responds to medication differently, there's no one drug that works perfectly for everyone. You may have to work a little with a psychiatrist to find the right medication, or the right combination of medicines, that's most beneficial to you. The drugs that are used to treat anxiety over a long period of time are antidepressants, which affect serotonin, norepinephrine, and other neurotransmitters in the brain.
Social anxiety disorder (previously called social phobia): People with social anxiety disorder have a general intense fear of, or anxiety toward, social or performance situations. They worry that actions or behaviors associated with their anxiety will be negatively evaluated by others, leading them to feel embarrassed. This worry often causes people with social anxiety to avoid social situations. Social anxiety disorder can manifest in a range of situations, such as within the workplace or the school environment.


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Finance Executive - Banking
Date: Feb 13, 2019
Location: Kuala Lumpur, MY
Genting Malaysia Berhad
Genting Malaysia is a leading multinational conglomerate that is principally involved in the leisure and hospitality business covering theme parks, gaming, hotels, seaside resorts and entertainment in Malaysia, the UK and the US. It is one of the largest listed companies in Malaysia.
With over 50 years of experience and milestones, Genting Malaysia is currently expanding and transforming Resorts World Genting into the leading tourism and entertainment hub via the Genting Integrated Resort Transformation Plan. The flagship projects under this plan include Skytropolis, Outdoor Theme Park and next to it is the Sky Avenue & Sky Plaza, a shopping haven for the chic and stylish, with some of the most prestigious lifestyle brands and signature franchises from around the world. The plaza will also house a state-of-the-art cable system, which connects the Sky Avenue to the mid-hill Genting Premium Outlet, with a transport capacity of 3,600 passengers per hour per way.
If you are searching for a dynamic career in the leisure and hospitality industry that offers exciting challenges and growth opportunities; and are a results-driven team player, who is passionate about making people happy then…WE WANT YOU!
Job Description:
- Co-ordinate with the banks and internal users for new project implementation
- Maintain and update system authorisers/bank signatories
- Administration of corporate cards
- Monitor utilisation of the group's bank guarantee line
- Prepare funding of bank account and placement of funds on a daily basis.
- Facillitate due diligence/KYC carried out by the banks.
Job Requirement:
- Candidate must possess a Bachelor Degree in Accounting / Finance or Accounting professional qualifications or equivalent with 1 year of experience.
- Fresh graduates with an Accounting / Finance degree or Accounting professional qualifications or equivalent are encouraged to apply.
- Good command of English – both written and oral.
- Self-motivated, proactive and have good organization skill.
- Computer literate with strong proficiency in Ms Word and Excel.
Be part of an exciting history-in-the-making, help shape the future with us. This is a golden opportunity for you to establish a strong foundation for a great career within the company. Apply now!


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text: All-inclusive Mauritius Posted on 11 April 2017 Departure date: 2018 Number of nights: 7 Package price: From R29 470 Enquire Now Explore Mauritius! What to do, what to do? This all-inclusive deal to Mauritius will free you up to immerse yourself in all that this magical island has to offer. From relaxing on the beach or by the pool, getting out onto the water with one of many water activities, island hopping in glass bottom boats or playing a round of golf – you will be spoiled for choice. Perfect for families, groups or couples wanting an all expenses paid holiday. Cost of All-inclusive Mauritius Package R29 470 per person sharing (17-24 Dec 2018) R31 090 per person sharing (19-26 Dec 2018) R35 530 per person sharing (25 Dec 2018-4 Jan 2019) * Supplements apply for school holidays Package dates Throughout 2018 Package includes Return flights from Johannesburg to Mauritius Airport taxes Return airport transfers 7 nights accommodation at 4* Tamassa Resort, in a standard room Breakfast, lunch and dinner Afternoon tea at the bar from 3pm-5pm Drinks in all restaurants and bars A selection of beverages: soft, drinks, tea, coffee, beers, wines, juices, mineral water, cocktails, and liquors Mini-bar: Water, juices and soft drink replenished each day Yoga and stretching classes, access to the sauna, steam room, plunge pool and spa garden (reservation mandatory subject to availability at the Spa) Water skiiing, glass boat trips, snorkeling, windsurfing, pedal boats, small catamaran mini sailing (as per weather and tide conditions) Unlimited access to our gym centre, floodlit tennis courts, table tennis, bocce balls, beach vollleyball Live music and Mauritian dance show Free Wifi VALUE ADD OFFER 1 x bottle of POPCAP per room per stay 10% discount off the first spa treatment and 20% discount for each treatment thereafter Ile Des Deux Coco island trip = R250 discount per person Package excludes Anything not mentioned Items of a personal nature Premium drinks Optional activities Travel insurance (highly recommended) Type of package Beach holiday Terms and conditions Conditions and validities apply This offer is subject to availability Prices may change due to seasonal and exchange rate fluctuations Visas may be necessary and insurance is essential Accommodation is per person sharing, unless otherwise specified Block out dates and high season surcharges may apply You may also like Related Packages 7-night Zanzibar (3-star) 24 May 2018 Take an affordable 7-night holiday to Zanzibar where you can focus on exploring the island... read more Cocoon Maldives Resort 19 May 2018 Spend seven incredible nights in the pristine Maldives where warm weather, crystal clear ocean and... read more 5-star Mauritius Beach 22 August 2017 Spend 7 indulgent nights at the Heritage Le Telfair Hotel in Mauritius, where the Indian... read more Send us an enquiry and a travel expert will contact you to help you plan your holiday. You're under no obligation to buy anything.Your name* First Last Email* Enter Email Confirm Email Daytime telephone number*Nationality*Departure date*Return date*Number of adultsNumber of childrenAge of childrenTell us a bit more about your travel plansEmailThis field is for validation purposes and should be left unchanged. This iframe contains the logic required to handle AJAX powered Gravity Forms. PREV ARTICLE NEXT ARTICLE


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There's management and there's cooking too. We take a look at K-town celebrities who landed into trouble due to their leaked images. My beautiful cape was tied too tight! .All celebrity images greene fappening are owned by the respective celebrity and. Fuck it i give up photo Reality Star Danielle Mason was born in London on March 30, making her sign Aries. She started appearing on reality shows as far back as 2008, when she was on The Jeremy Kyle Show. She has two children, Rudy Mason and Delilah Rose Mason-Giles. She's the younger half-sister of Jessie Wallace and Joanne Harman. It seems to be the time people do it, though. I have tried to put them out there..
Date 07.02.2019, 15:42
Rating: 4.4/5.0
She has really beautiful boobs and looks cute without bra. It looks bad for Nurgul Yesilcay the manosphere. Over the course of two weeks, thesestudents experienced all the work that occurs between the blank pages of brainstorming to a beautifully shot and edited film. All Content you submit or upload may be reviewed by staff members. All Content you submit or upload may be sent to third-party verification services (including, but not limited to, spam prevention services). Do not submit any Content that you consider to be private or confidential. She was seething with jealousy and angry that he has no control over who can the images. Maybe they've just installed killer drip systems. As if its legal to take someone's car if they forget the keys it. Edyta Herbus was born in Poland on February 26, '81. Before launching her career as a performer, she trained as a stage and film make up artist and studied at a Polish dance school called Step by Step. She spent her youth in Kielce, Poland..


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PLANS to tackle disparity between the amount of time given to Caerphilly councillors on parental leave and adoption leave have been backed.
Councils are currently bound by Welsh Government legislation to allow 26 weeks of maternity absence but only two weeks to those who adopt children.
The Welsh Government has already said the rules are 'no longer in line' with arrangements elsewhere and are considering reform 'at the earliest opportunity'.
A motion from asking for the 'unfair' arrangements to be changed was backed by Caerphilly council's democratic services committee on Wednesday.
"If it's a new-born or adopted child there is always an adjustment period for parents, and it's only right that they have that" said Plaid Cymru councillor Donna Cushing.
"Not having that entitlement is total and utter discrimination against them."
The motion, tabled by Labour councillor Arianna Leonard, also requested the Welsh Government to adopt a parental leave policy for councils as set out by the Local Government Association.
The document suggests that any councillor who adopted a child through an approved adoption agency should be entitled to take up to six months adoption leave, with the option to extend to 52 weeks if required.
Councillors heard that this would apply for children up to the age of 18, which Independent councillor Graham Simmonds took issue with.
"I can understand the parental leave element for babies up to infancy age but I think that's excessive," he said.
Despite this, Cllr Simmonds, and the entire committee, backed the motion and recommended it be supported by full council.
The authority has already voiced its displeasure with the existing parental leave arrangements offered to its elected members.
In response to a Welsh Government consultation last June, a statement read: "It is unfair to only allow two weeks for adoption when families can be adapting to significant changes.
"As corporate parents, surely local authorities should be leading the way in supporting people considering adoption."