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Future Predictions for 2017-2045
7 years, 6 months ago
Posted on Jan 06, 2017, 1 p.m.
Dr Robert Goldman, Co-Founder & Chairman-World Academy of Anti-Aging Medicine, weighs in with his latest set of predictions for health and technology.
It is estimated that the doubling time of medical knowledge in 1950 was 50 years; in 1980, 7 years; and in 2010, 3.5 years. In 2020 it is projected to be 0.2 years—just 73 days. Computer power is doubling every 18 months, so massive increases in scope and scale. Once nanotechnology and nano circuitry, stem cells, and genetic engineering, come on board, the world as we know it will be unrecognizable. Get ready for the first complete synthetic human brain, moon mining, chips implanted in our brains, self-driving cars, trucks and planes, robotic moon bases and maybe even high-speed rail linking London to Beijing.
The most popular movie super heroes demonstrate cellular regeneration like 'Wolverine' allowing mutations to enable rapid cellular repair & healing achieving Immortality, or Captain America in 1942 using Hormone Therapy/Steroid Augmentation to become an athletic Super Hero and with Cryonics/suspended animation freezing him into the 21st century. This Brave New World is coming into being faster than we imagined. To have the great jobs and careers of the future, you must embrace and see it before it arrives.
Radical Life Extension
Billions of dollars have recently flowed into Anti-Aging Medical research, from the likes of Silicon Valley & Biotech Startups chasing after the 'Fountain of Youth', such as Calico (Google), Johnson & Johnson, Human Longevity Inc, Elysium Health, Synthetic Genomics, GlaxoSmithKline / Sinclair, Startup Health, Mayo Clinic, Scripps Research, Roche , Novartis (Rapamycin), AstraZeneca, AbbVie, Pfizer, Sanofi, Medtronic/Covidien, IBM Watson Healthcare, Quest, Apple, Microsoft, Qualcomm, Facebook, Amazon, Novo Nordisk and other giants. They finally realize that Anti-Aging & Regenerative Medicine is the next generation of healthcare -the age of PRACTICAL IMMORTALITY, where lifespans of 120 to 150 in superior health may become commonplace and may be seen as early as 2029. Others such as Oracle co-founder Larry Ellison, for example, has given more than $430 million toward anti-aging research because he finds the quiet acquiescence of mortality "incomprehensible." XPRIZE entrepreneur Peter H. Diamandis co-founded Human Longevity, which, in conjunction with StartUp Health, launched the Longevity Moonshot, whose mission is "to extend and enhance healthy life by 50+ years and change the face of aging." Google co-founder Larry Page launched a biotech company called Calico, which aims to extend the human life span by a century. Calling it "a longer-term bet," Page said he was confident they "can make good progress within reasonable timescales with the right goals and the right people." PayPal co-founder Peter Thiel created Breakout Labs to fund scientists and start-ups that include some working on achieving immortality, and he invested millions in funding research to treat aging as an engineering problem to be solved at the cellular level by reprogramming cells to stop aging. The anti-aging literature is loaded with technologies to prolong lifespan by 20-40%, at least in lab animals. Interventions such as caloric restriction, rapamycin, stem cells, genetic engineering, nanotechnology and metformin, etc have been studied for decades for their anti-aging capacity. In the past several years, multiple scientific teams demonstrated the rejuvenating powers of young blood. A study published in the esteemed journal Nature found that eliminating senescent cells in aged mice boosted their lifespan by a hefty 30%. Hundreds of anti-aging drugs are now in the pipeline and billions of dollars are being expended to find real answers. The FDA finally recognized 'Aging' as a disorder that the medical community could target and potentially treat, something the American Academy of Ant-Aging Medicine (A4M) (www.Worldhealth.net, www.A4M.com) has been stating for decades. Notes A4M President Dr Ronald Klatz, "'Aging is Not Inevitable' and we are seeing the largest paradigm shift in the history of medicine." We know that lifespan has essentially been going up roughly 1 year in every 4, but healthspan is not going up at anywhere near the same rate. The United States spends 19% GDP on healthcare, most of which is used in the last 6 months of a person's life. If you want an exciting career, the anti-aging & regenerative medicine marketplace is one to look at seriously. We can no longer practice the 'disease based' medicine of the past...preventative anti-aging & regenerative medicine is the only viable solution to prevent bankrupting of the national budgets due to massive chronic healthcare costs.
The Robots are Coming
Robotics is a rapidly emerging technology which will penetrate every aspect of business and our daily lives. This will replace massive numbers of manufacturing jobs and manual labor. Japan is expecting one in three of its population to be over the age of 65 by 2030, and one in five to be over 75, creating a major requirement for the care of the elderly. Japan is now using robots to service the elderly. A hotel opened in Japan in 2015 with lifelike robots, called 'Actroids', serving as the check-in staff. Aid assistance in nursing facilities is on the horizon, meaning many of the entry-level jobs in those areas will become obsolete just like bank tellers. Look at the field of Robotics, AI (Artificial Intelligence) and VR (Virtual Reality) technologies for massive growth industries.
Coastal Changes
Climate change will have a strong economic impact in the future. It is anticipated that by 2050, more than 40% of the world's population will live under severe water stress, resulting in floods or drought that, combined, can put the economic value of assets at risk to record highs. Becoming efficient with resources is socially responsible and cost beneficial. Organizations need to adapt to increasing regulations controlling energy efficiency, waste, water leakage, urban congestion, transportation efficiency, land degradation, freight impact, and other factors. Allowing employees to work virtually also reduces the need for facilities and helps organizations minimize their carbon footprints.
New Energy Sources
Where we get our energy from will change dramatically. The U.S. military has pledged to get half its energy from renewable resources by 2020, and the Navy whole-heartedly believes it can turn to 50 percent biofuels by then. It makes political sense not to rely on volatile regions for energy, and this push could mean both cleaner vehicle fleets and a major bump in the competitiveness of biofuels in the market. The strangle hold that Middle Eastern oil holds will soon be an ancient memory. Biofuels and renewable clean energy are growth industries of the future..Oil and coal are on their way out.
3D Print Your Organs and Meat
3D Printable Organs are already in process via 3D "bioprint" organ tissues, a process that involves depositing a "bio-ink" made of cells precisely in layers, resulting in a functional living human tissue for use in the lab. These tissues should be better predictors of drug function than animal models in many cases. In the long-term, this has the potential to pave the way to "printing" human organs, such as kidneys, livers and hearts. By 2020, the goal is to have the technology be broadly used by pharmaceutical companies, resulting in the identification of safer and better drug candidates and fewer failures in clinical trials. ...This same 3D Printed technology via stem cells, is also being applied to meat production for human consumption. (Keith Murphy, CEO of Organovo -World Economic Forum)
World Will Get Very Small
There is major globalization shift in where business is conducted and is occurring now. McKinsey estimates that half of the world's largest companies will be headquartered in what are now emerging markets, such as Brazil, India, and eastern European countries. Pressure from global competition and other factors resulted in over 40% of the companies that were in the Fortune 500 in 2000 falling off the list in the next several years. These were replaced largely by new global entrants and technology companies. This will continue to shift to farther parts of the planet.
The Job Skills/Info Gap
The Job Skills Gap and information Gap is the problem and not that workers are unskilled; it's that workers don't know what skills employers need. Technology is already disrupting existing jobs, and creating new jobs that never existed before. In fact, the top 10 in-demand jobs in 2010 did not even exist in 2004. Change is happening so rapidly that 65 percent of today's grade school kids in the U.S. will end up at jobs that haven't even been invented yet. If u wish to be competitive you must enhance your tech skill levels for future industries not yet mainstream. (Alexis Ringwald, Cofounder and CEO, LearnUp, -World Economic Forum)
Water as a Major Asset
Water is an asset not a liability. Driven by global population growth and rising water scarcity, the UN reports that 75 percent of the world's available freshwater is already polluted. Under-investment in water management is exacerbating the problem, causing serious impacts on human health and the environment. A key challenge is the high capital cost, and high energy requirements, of current wastewater treatment and management systems. Desalination plants will spring up worldwide to create massive needed fresh water from sea ocean water. The ability to use biotechnology to extract resources, such as energy, from waste, and the dropping cost of industrial automation, will begin to change our approach to managing water globally. Rather than a liability, wastewater will be viewed as an environmental resource, providing energy and clean water to communities and industry, and ushering in a truly sustainable and economical approach to managing our water resources. (Matthew Silver, CEO of Cambrian Innovation-World Economic Forum)
Super Computers Replacing Your Doctor?
Supercomputers with artificial intelligence taking better care of you than your Doctor? IBM Watson has partnered with Celgene to better track negative drug side effects and IBM is applying its cognitive computing AI technology to recommend cancer treatment in rural areas in the U.S., India, and China. For example, IBM Watson could read a patient's electronic medical records, analyze imagery of the cancer, and even look at gene sequencing of the tumor to figure out the optimal treatment plan for a particular person. The IBM Watson programs are able to instantly scan the world's medical literature data for making a diagnosis and treatment plan, so in the future a nurse or tech may be able do a more detailed evaluation than even team of doctors. And coupled with advanced MRI, CT and PET scans, view the inner body in mind boggling ways and even treating cancers and other issues at the microscopic level. This will turn the medical profession on its ear. (Fortune Magazine)
The Nanobots are Coming
Nanobots (miniaturized robots as small as an atom or electron) could become commonplace and in the future, may even integrate with our brain matter allowing us to merge with computers and the 'Cloud' for a 'Singularity' or merging of our minds with machines & computers. Nanotechnology ("nanotech") is manipulation of matter on an atomic, molecular, and supramolecular scale. The earliest, widespread description of nanotechnology referred to the particular technological goal of precisely manipulating atoms and molecules for fabrication of macroscale products, also now referred to as molecular nanotechnology which is the manipulation of matter with at least one dimension sized from 1 to 100 nanometers and such technologies deal with the special properties of matter which occur below the given size threshold potential applications (including industrial and military). Governments have invested billions of dollars in nanotechnology research and can be as diverse as surface science, organic chemistry, molecular biology, semiconductor physics, microfabrication, molecular engineering, etc. The associated research and applications are equally diverse, ranging from extensions of conventional device physics to completely new approaches based upon molecular self-assembly, from developing new materials with dimensions on the nanoscale, to direct control of matter on the atomic scale. Nanotechnology may be able to create many new materials and devices with a vast range of applications, such as in nanomedicine, nanoelectronics, biomaterialsenergy production, and consumer products. On the other hand, nanotechnology raises many of the same issues as any new technology, including concerns about the toxicity and environmental impact of nanomaterials, and their potential effects on global economics, as well as speculation about various doomsday scenarios. These concerns have led to a debate among advocacy groups and governments on whether special regulation of nanotechnology is warranted..
So with nano circuitry, we may be able to live, basically, in a virtual world — Matrix style....and perhaps even Reincarnate deceased ones virtually and be able to "bring back" those lost through artificial intelligence states some scientists. By the 2030s perhaps we send nanobots into people's brains to extract memories of loved ones. Augment that with a DNA sampling of the deceased, and it may be possible to create a convincing virtual version of somebody who's passed on. This progress is so profound, that within 30 years, computational power of artificial intelligence will be a billion times that of human intelligence, allowing us to upload our minds and maybe even our very souls to a computer, leading to a form of connective 'Singularity', a term created by Google scientist Ray Kurzweil. Even Stephen Hawking thinks it's possible; "I think the brain is like a program in the mind, which is like a computer, so it's theoretically possible to copy the brain on to a computer and so provide a form of life after death," the physicist said. This may in fact lead to virtual bodies like the wild video games and Virtual Reality (VR) and Artificial Intelligence (AI) devices we seeing exploding on the scene: (PopSci.com)
Self-Driving Trucks and Cars
The push for self-driving cars is not just because motorists would rather let the machine do the work. It's because taking humans out of equation could mean safer travel and smarter traffic flow. To look forward to how we will drive in 2020 you just have to look back to 1957. The US electricity industry ran a newspaper ad promising a life of leisure in the future with a now iconic image showing a near empty highway and a family in a self-driving car with a glass bubble roof. Instead of worrying about the road ahead, the family are doing what all families do in their downtime apparently — they play dominoes and clearly don't have a care for skin cancer. When it comes to self-driving cars, the year 2020 doesn't just mark a vision of the future but a deadline. Nissan and Mercedes-Benz have set 2020 down as when they plan to introduce cars that can navigate city streets without the need for a driver. Volvo, which will soon begin trialling self-driving cars in Australia, has taken that one step further. Back in 2008, Volvo's lead safety expert Anders Eugensson predicted that "by 2020, nobody shall be seriously injured or killed in a new Volvo". Since then, Volvo has added some fine print to that bold prediction. Volvo safety expert Trevor Rourke admitted earlier this year that "not even the Pope is infallible" but said the trend was towards zero fatalities by 2020. No matter how attentive a human driver can be, a self-automated car with lasers, radar, sonar and video sensors gives the car the edge in keeping an eye on the road. In many ways Google is leading the charge towards self-driving cars with its autonomous vehicles now having driving nearly 3 million self-autonomous kilometres with only a handful of minor accidents and most of them caused by drivers running into the self-driving car because they are distracted by the Google logo and sensors on the top. But other new players working on autonomous cars include Uber, Tesla and, if the rumours are true, Apple. As Telstra Chief Technology Officer Vish Nandlall says, we're already down.
Driverless Trucks
Driverless trucks will be safer and cheaper than their human-controlled counterparts, but that doesn't mean America's 3.5 million professional truck drivers are giving up to the machines without a fight. Across the US, truckers collectively haul more than 10 Billion tons of freight each year, but it's a tough job – the hours are long and lonely, the pay is low and the lifestyle is sedentary. In many ways it's a job ripe for disruption; robots v truckers. "Picture the taxi drivers around the world acting in response to Uber," says Andy Stern, the former former president of the Service Employees International Union, referring to protests and violence that erupted in many cities as the $62.5 Billion Silicon Valley on-demand ride-hailing firm challenged conventional, regulated taxis. "Truck drivers will follow a similar pattern," says Stern. "There will be disruption in different places. You can imagine people ringing state capitals with their trucks." Much has been written about the advent of the driverless car, with rival versions being developed by Google, Uber and Tesla, yet driverless trucks are likely to roll out at scale much sooner. "Individuals can make their own choices about whether they want to get into a driverless car or taxi, but labour-saving technology will be deployed by businesses much quicker," explains Stern, whose book Raising the Floor explores the need for a universal basic income as technology replaces jobs. Mining giant Rio Tinto already uses 45 240-ton driverless trucks to move iron ore in two Australian mines, saying it is cheaper and safer than using human drivers. Now the race is on to put driverless trucks on public roads. In May 2015, the first self-driving truck hit the American road in the state of Nevada, and there have been several tests around the world since then including a convoy that drove across Europe to the port of Rotterdam. That convoy used a new automated driving technology called platooning, which connects trucks using Wi-Fi, sensors, GPS and cameras. The leading vehicle dictates speed and direction, while the rest automatically steer, speed up and slow down in close convoy. In San Francisco, former Googlers have launched a startup called Otto, which promises to retrofit vehicles with driverless capabilities for just $30,000. The average trucker's wage is around $40,000 per year.
The potential saving to the freight transportation industry is estimated to be $168 Billion annually. The savings are expected to come from labor ($70 Billion), fuel efficiency ($35 Billion), productivity ($27 Billion) and accidents ($36 Billion), before including any estimates from non-truck freight modes like air and rail. It's regulation, and not technology that stands in the way of eliminating people from behind the wheel. Although trucking companies are likely to lobby hard for the legal reform so they can save on labor, which represents an estimated 34% of operational costs per mile, Morgan Stanley conservatively estimates that the freight industry could save as $168 Billion annually by harnessing autonomous technology – $70 Billion of which would come from reducing staff. In addition to cost savings, fleets of automatedtrucks could save lives. Crashes involving large trucks killed 3,903 people in the US in 2014, according to the National Highway Traffic Safety Administration, and a further 110,000 people were injured. More than 90% of the accidents were caused at least in part by driver error. What next for drivers? Where does this leave the 3.5 million truckers whose livelihoods depend on the need for a human behind the wheel? Truck Driver is not a profession for the future.
Internet of Things
It's the simplest of terms that is obsessing the tech industry and confusing the public: The 'Internet of Things'. There are currently 13.4 billion things connected in the world — smartphones, smart TVs, computers, tablets and the odd fridge and robotic vacuum. Juniper Research predicts that figure will reach 38.5 billion by 2020. Technology analysts Telsyte predict the number of connected devices in the average Australian home will jump from the current figure of nine to at least 24 and the internet-enabled white good will become the norm, just as smart TVs are now standard. This is another career growth area in the tech fields.
So we either prepare for these future high tech/Info tidal waves and embrace them, or be swept away by them.
Robert M. Goldman MD, PhD, DO, FAASP
Co-Founder & Chairman-World Academy of Anti-Aging Medicine
World Chairman-International Medical Commission
Co-Founder & Chairman of the Board-A4M
Founder & Chairman-International Sports Hall of Fame
President Emeritus-National Academy of Sports Medicine (NASM)
Chairman-U.S. Sports Academy's Board of Visitors
World Economic Forum, NBC News, PopSci.com, Business Insider, Wikipedia, News.Com.Au, SingularityHub, Scientific American, Fortune Magazine, The Guardian.


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An optical phenomenon known as a "glory" is seen over a cloud-covered Pacific Ocean in this image from NASA's Aqua satellite, acquired on June 20, 2012. Although the colors may make it look like a rainbow, the process behind its formation is somewhat different.
As vortices spiral off the leeward side of Guadalupe Island, off the western coast of Baja California, a shimmering spectrum of colors highlights a glory just west of the island. Glories are created when light from the Sun reflects back toward an observer off water droplets within clouds or fog. They are often seen from airplanes as a bright ring of light encircling a silhouetted shadow of the aircraft below, but are also visible from the ground and, sometimes, even from space.
From the NASA Earth Observatory website:
Although glories may look similar to rainbows, the way light is scattered to produce them is different. Rainbows are formed by refraction and reflection; glories are formed by backward diffraction. The most vivid glories form when an observer looks down on thin clouds with droplets that are between 10 and 30 microns in diameter. The brightest and most colorful glories also form when droplets are roughly the same size.
From the ground or an airplane, glories appear as circular rings of color. The space shuttle Columbia observed a circular glory from space in 2003. In the image above, however, the glory does not appear circular. That's because MODIS scans the Earth's surface in swaths perpendicular to the path followed by the satellite. And since the swaths show horizontal cross sections through the rings of the glory, the glory here appears as two elongated bands of color that run parallel to the path of the satellite, rather than a full circle.
Glories always appear around the spot directly opposite the Sun, from the perspective of the viewer. This spot is called the anti-solar point. To visualize this, imagine a line connecting the Sun, a viewer, and the spot where the glory appears. In this case, the anti-solar point falls about halfway between the two colored lines of the glory.
Click here to download the full-size image.
NASA image courtesy Jeff Schmaltz, LANCE MODIS Rapid Response. Read more here.


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Observing what has been a holiday tradition at GovExec.com since 1998, we present our annual ode to federal employees.
Twas the night before Christmas, and all 'cross the Web
Not a surfer was surfing, except for some feds.
The FAA cleared Santa for his annual flight,
As the Weather Service predicted a clear, starry night.
FEMA stood by in case of snow, ice or sleet,
As troops 'round the world maintained the peace.
When out on the Web there arose such a crowd
Of kids on their mice click, click, clicking around
'Til they landed their browsers on a special Web site
Where NORAD tracked Santa all through the night.
In English, in Spanish, in even Francais,
The radar tracked Nicholas around on his sleigh.
The radar bleep, bleeped as Santa drew close
Drawn by the heat off of Rudolph's red nose.
The satellites tingled, the warning bells jingled
When NORAD got sight of merry Kris Kringle.
Kids 'cross the land knew their friends had been wrong.
NORAD's site proved it: Santa lives on!
And as feds 'round the world kept the peace through the night,
Santa looked down, and called out with his might,
"Thank you, civil servants! You fight the good fight!
Happy days to you all, and to all a fine night!"
Happy Holidays from all of us at Government Executive!


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Lead supervisory authority: The supervisory authority with the primary responsibility for dealing with a cross-border data processing activity, for example when a data subject makes a complaint about the processing of his or her personal data; it is responsible, among others, for receiving the data breach notifications, to be notified on risky processing activity and will have full authority as regards to its duties to ensure compliance with the provisions of the EU GDPR;
Each "local supervisory authority" will still maintain in its own territory, and will monitor any local data processing that affects data subjects or that is carried out by an EU or non-EU controller or processor when their processing targets data subjects residing on its territory. Their tasks and powers includes conducting investigations and applying administrative measures and fines, promoting public awareness of the risks, rules, security, and rights in relation to the processing of personal data, as well as obtaining access to any premises of the controller and the processor, including any data processing equipment and means.
"Main establishment as regards a controller" with establishments in more than one Member State, the place of its central administration in the Union, unless the decisions on the purposes and means of the processing of personal data are taken in another establishment of the controller in the Union and the latter establishment has the power to have such decisions implemented, in which case the establishment having taken such decisions is to be considered to be the main establishment;
"Main establishment as regards a processor" with establishments in more than one Member State, the place of its central administration in the Union, or, if the processor has no central administration in the Union, the establishment of the processor in the Union where the main processing activities in the context of the activities of an establishment of the processor take place to the extent that the processor is subject to specific obligations under this Regulation;
The data protection principles outline the basic responsibilities for organisations handling personal data. Article 5(2) of the GDPR stipulates for "the controller shall be responsible for, and be able to demonstrate, compliance with the principles."
Personal data must be processed lawfully, fairly and in a transparent manner in relation to the data subject.
Personal data must be collected for specified, explicit and legitimate purposes and not further processed in a manner that is incompatible with those purposes.
Personal data must be adequate, relevant, and limited to what is necessary in relation to the purposes for which they are processed. The Company must apply anonymisation or pseudonymisation to personal data if possible to reduce the risks to the data subjects concerned.
Personal data must be accurate and, where necessary, kept up to date; reasonable steps must be taken to ensure that personal data that are inaccurate, having regard to the purposes for which they are processed, are erased or rectified in a timely manner.
Personal data must be kept for no longer than is necessary for the purposes for which the personal data are processed.
Taking into account the state of technology and other available security measures, the implementation cost, and likelihood and severity of personal data risks, the Company must use appropriate technical or organisational measures to process Personal Data in a manner that ensures appropriate security of personal data, including protection against accidental or unlawful destruction, loss, alternation, unauthorized access to, or disclosure.
In order to demonstrate compliance with the principles of data protection, an organisation should build data protection into its business activities.
(See the Fair Processing Guidelines section.)
(See the Fair Processing Guidelines section.)
The Company must strive to collect the least amount of personal data possible. If personal data is collected from a third party, the Information Security Manager must ensure that the personal data is collected lawfully.
The purposes, methods, storage limitation and retention period of personal data must be consistent with the information contained in the Privacy Notice. The Company must maintain the accuracy, integrity, confidentiality and relevance of personal data based on the processing purpose. Adequate security mechanisms designed to protect personal data must be used to prevent personal data from being stolen, misused, or abused, and prevent personal data breaches. Information Security Manager is responsible for compliance with the requirements listed in this section.
Whenever the Company uses a third-party supplier or business partner to process personal data on its behalf, the Information Security Manager must ensure that this processor will provide security measures to safeguard personal data that are appropriate to the associated risks such as misuse of personal data, unauthorised disclosure of personal data, data breaches, etc. For this purpose, the Processor GDPR Compliance Questionnaire must be used. The Company must contractually require the supplier or business partner to provide the same level of data protection. The supplier or business partner must only process personal data to carry out its contractual obligations towards the Company or upon the instructions of the Company and not for any other purposes. When the Company processes personal data jointly with an independent third party, the Company must explicitly specify its respective responsibilities of and the third party in the relevant contract or any other legal binding document, such as the Supplier Data Processing Agreement.
Before transferring personal data out of the European Economic Area (EEA) adequate safeguards must be used including the signing of a Data Transfer Agreement, as required by the European Union and, if required, authorisation from the relevant Data Protection Authority must be obtained. The entity receiving the personal data must comply with the principles of personal data processing set forth in Cross Border Data Transfer Procedure.
When acting as a data controller, the Information Security Manager is responsible to provide data subjects with a reasonable access mechanism to enable them to access their personal data, and must allow them to update, rectify, erase, or transmit their Personal Data, if appropriate or required by law. The access mechanism will be further detailed in the Data Subject Access Request Procedure.
Data Subjects have the right to receive, upon request, a copy of the data they provided to us in a structured format and to transmit those data to another controller, for free. Information Security Manager is responsible to ensure that such requests are processed within one month, are not excessive (i.e. if the data subject sends requests daily) and do not affect the rights to personal data of other individuals.
Upon request, Data Subjects have the right to obtain from the Company the erasure of its personal data. When the Company is acting as a Controller, Information Security Manager must take necessary actions (including technical measures) to inform the third parties who use or process that data to comply with the request.
Personal data must only be processed when explicitly authorised by the Information Security Manager.
The Company must decide whether to perform the Data Protection Impact Assessment for each data processing activity according to the Data Protection Impact Assessment Guidelines.
At the time of collection or before collecting personal data for any kind of processing activities including but not limited to selling products, services, or marketing activities, the Information Security Manager is responsible to properly inform data subjects of the following: the types of personal data collected, the purposes of the processing, processing methods, the data subjects` rights with respect to their personal data, the retention period, potential international data transfers, if data will be shared with third parties and the Company's security measures to protect personal data. This information is provided through Privacy Notice.
Where personal data is being shared with a third party the Information Security Manager must ensure that data subjects have been notified of this through a Privacy Notice.
Where personal data is being transferred to a third country according to Cross Border Data Transfer Policy, the Privacy Notice should reflect this and clearly state to where, and to which entity personal data is being transferred.
Where sensitive personal data is being collected, the person responsible for Data Protection matters must make sure that the Privacy Notice explicitly states the purpose for which this sensitive personal data is being collected.
Whenever personal data processing is based on the data subject's consent, or other lawful grounds, the Information Security Manager is responsible for retaining a record of such consent. The Information Security Manager is responsible for providing data subjects with options to provide the consent and must inform and ensure that their consent (whenever consent is used as the lawful ground for processing) can be withdrawn at any time.
When requests to correct, amend or destroy personal data records, the Information Security Manager must ensure that these requests are handled within a reasonable time frame. Person responsible for data protection matters must also record the requests and keep a log of these.
Personal data must only be processed for the purpose for which they were originally collected. In the event that the Company wants to process collected personal data for another purpose, the Company must seek the consent of its data subjects in clear and concise writing. Any such request should include the original purpose for which data was collected, and also the new, or additional, purpose(s). The request must also include the reason for the change in purpose(s). The Person responsible for Data Protection matters is responsible for complying with the rules in this paragraph.
Now and in the future, the Information Security Manager must ensure that collection methods are compliant with relevant law, good practices and industry standards.
The Information Security Manager is responsible for creating and maintaining a Register of the Privacy Notices.
The responsibility for ensuring appropriate personal data processing lies with everyone who works for or with the Company and has access to personal data processed by the Company.
The key areas of responsibilities for processing personal data lie with the following organisational roles:
The board of directors makes decisions about and approves the Company's general strategies on personal data protection.
The Information Security Manager the nominated person responsible for data protection matters is responsible for managing the personal data protection program and is responsible for the development and promotion of end-to-end personal data protection policies;
The Information Security Manager monitors and analyses personal data laws and changes to regulations, develops compliance requirements, and assists business departments in achieving their Personal data goals. This may include seeking legal advice or external counsel.
The Information Security Manager is also responsible for:
The Information Security Manager is also responsible for passing on personal data protection responsibilities to suppliers and improving suppliers' awareness levels of personal data protection as well as flow down personal data requirements to any third party a supplier they are using and must ensure that the Company reserves a right to audit suppliers.
Identifying a Lead supervisory authority is only relevant if the Company carries out the cross-border processing of personal data.
Cross border of personal data is carried out if:
a) processing of personal data is carried out by subsidiaries of the Company which are based in other Member States; or
b) processing of personal data which takes place in a single establishment of the Company in the European Union, but which substantially affects or is likely to substantially affect data subjects in more than one Member State. If the Company only has establishments in one Member State and its processing activities are affecting only data subjects in that Member State than there is no need to establish a lead supervisory authority. The only competent authority will be the Supervisory Authority in the country where Company is lawfully established.
Noise Management Limited respect your privacy and we are committed to processing personal information of our customers in a secure and manner in line with our legal obligations.
This Policy explains how Noise Management Limited will use any personal information that we may collect about you when you use our website, applications, webforms, or when you use or are the recipient of our services.
By trading with Noise Management Limited, you are accepting and consenting to the practices described in this Privacy Notice.The information we learn from our customers helps us to personalise and continually improve your experience and our services. We use the information to handle orders, deliver products and services, process payments/ invoices, communicate with you about orders, products, services and promotional offers, update our records and generally maintain your accounts with us, and recommend products and services that might be of interest to you. We may use your information to prevent or detect fraud or because it is required by law or for the purposes of legal proceedings and to enable third parties to carry out logistical or other functions on our behalf.
We may transfer your data to other third parties (including the police, law enforcement agencies, credit reference and fraud prevention agencies and other bodies) to protect our or another person's rights, property, or safety, in connection with the prevention and detection of crime.
Our Personal Data Protection Policy governs the use and storage of your data.
In the operational use and maintenance of our services, Noise Management Limited may collect personal information when:
Noise Management Limited will not sell or provide your data to any third party where you have not provided your consent to do so. All other information is processed in accordance with the Data Protection Act 1998, the General Data Protection Regulation (GDPR) 2018 and other applicable laws.
In operating our services, it may become necessary to transfer the data that we collect from you to third parties and business partners who are located outside of the European Economic Area (EEA). Any such transfer of information will only be in connection with the services that Noise Management Limited provides and Noise Management Limited will ensure that the information is protected to a level that meets the requirements of UK law.
By providing your data to us you agree to this transfer of data taking place.
No third party providers have access to your data, unless specifically required by law, where you have consented with us to do so, or in order to fulfil our service to you.
Any personal data held by us for marketing and service update notifications will be kept by us until such time that you notify us that you no longer wish to receive this information or terminate your account with us.
You have the right to access to any information that we hold relating to you. Requests must be made in writing and Proof of identification is required to protect your information and to ensure it is not disclosed to unauthorised parties.
Should you believe that any personal data we hold on you is incorrect or incomplete, you have the ability to request to see this information, rectify it or have it deleted.
In the event that you wish to complain about how we have handled your personal data, please contact firstname.lastname@example.com or in writing to Noise Management Limited is Unit 11, Victoria Business Centre, 43, Victoria Road, Burgess Hill, RH15 9LR UK. We will then look-into your complaint and work with you to resolve the matter.
If you still feel that your personal data has not been handled appropriately according to the law, you can contact the Information Commissioner�s office ICO and file a complaint with them.
In these Conditions:
a. "The Seller" is Noise Management Limited and associated businesses. "The Buyer" is the purchaser of the goods.
b. "The Buyer" is the purchaser of the goods.
c. "Goods" are goods and products of any kind sold by the seller.
a. Seller gives no guarantees as to the washing stability, colour fastness, durability or making up quality of the goods. Fabric / material composition is given as a guide only and the Seller reserves the right to change the composition without prior notice.
b. The Buyer is responsible for verifying the suitability and quality of the goods prior to use.
c. All conditions, warranties or other terms, express or implied by Statute as to the quality of the goods, their fitness for purpose or correspondence with description or sample are, save as expressly prohibited by law, expressly excluded.
d. The Seller shall be under no liability, however caused, arising out of or in connection with the goods, save that the total liability of the Seller in negligence is limited to the price of the goods.
a. The Seller will not accept the return of goods which have been altered in any way, i.e. printed or embroidered.
b. The Buyer has no right to return any goods supplied pursuant to contract without prior written authorisation by the Seller. All requests for the return of goods must be made within 5 days of delivery.
c. The Seller reserves the right to apply a handling charge on any goods returned.
a. All goods shall be at the Buyer's risk from the time of delivery but will remain the property of the Seller until all payment in respect of any goods delivered by the Buyer to the Seller have been paid and received in full.
b. The Seller may at any time when payment is due to the Seller for any goods retake possession of all the Seller's goods then held in the custody of the Buyer.
c. The Buyer's right to hold or deal in any way with the Seller's goods shall terminate automatically and the Seller shall be entitled to immediately recover the goods if:
i. The Buyer, being an individual, becomes Bankrupt or is the subject of a Bankruptcy Petition or enters into any arrangement with creditors or,
ii. The Buyer, being a limited company is subject to the appointment of an Administrative Receiver or goes or is forced into any form of insolvency.
d. The Buyer authorises the Seller, its employees or agents to enter the Buyer's premises for the purpose of enforcing these provisions.
a. Unless otherwise specifically agreed in writing by the Seller, payment for the goods is due to the seller within 30 days of the contract. All unpaid accounts will automatically be placed on hold if invoices remain unpaid after 30 days. Credit facility is offered based on the Buyer�s agreement to abide by these terms.
b. The Seller reserves the right to charge interest at 4% above the base rate at Santander Bank on any amount overdue, from due date to the date of payment.
c. The Seller may set off against any overdue account any sums due for any reason from the Seller to the Buyer.
d. The Seller will request payment by BACS for all non account holders. A surcharge of 2% may be added at the Sellers discretion for payments by cheque.
a. Clients details to enable the Seller to obtain payment and carry out the transaction are destroyed after the payment has been authorised.
a. Any orders placed by the Buyer shall be treated as a firm commitment and cancellation will not be accepted unless agreed in writing by the Seller.
b. The Seller will make all reasonable efforts to fulfil its obligations under such orders but shall not be liable for any cancellation or suspension of such orders caused by events beyond the control of the Seller.
No statement, information, warranty, condition or recommendation made by the Seller's employees or agents shall vary or override these conditions.
a. These conditions and all transactions between the Seller and the Buyer shall be governed by English Law and any disputes arising shall be resolved by the Courts in England.
b. If any condition herein becomes or shall be declared by a Court to be invalid or unenforceable that shall not impair or affect all other Conditions, which will remain in full force and effect.
If you have any difficulties you may want to contact the company
By email: email@example.com
By post:
Unit 11, Victoria Business Centre,
43 Victoria Road,
Burgess Hill,
West Sussex,
United Kingdom,
By phone: +44(0)1444 233 318


text:
In a speech to the Fabian Society New Year conference today, Ed Balls said:
Thanks Jessica.
And thanks to all of you for giving up your Saturday to be here today.
The title of today's conference is 'Can Labour Change Britain?'
And with the next General Election in sight, I want to set out today how this Labour generation can rise to the challenge.
Jessica, I first started attending these Fabian New Year conferences over 25 years ago.
I remember hearing the then Shadow Foreign Secretary Gerald Kaufman debating the pros and cons of unilateral nuclear disarmament…
… and a young rising star called Tony Blair, who had just written an article for a fashionable magazine of the day, called Marxism Today.
How times changed!
When I first started coming to these conferences, the fight to rid Labour of Militant was won, and Labour was finally putting the corrosive internal party division of past decades behind us.
But even as Neil Kinnock fought valiantly for sanity, and even as the Tory government of the day cut taxes for the wealthy, while child poverty rose and long-term unemployment became entrenched…
… we had still not yet re-established ourselves as a credible voice for the hopes and aspirations of working people.
Already out of power for a decade, a return to government was still a long way off.
So I am proud that today, under Ed Miliband's leadership, this Labour generation has learned from that long and bleak period in opposition.
Just over three and a half years after a General Election defeat, this Labour movement is more united, more in touch and more determined than ever.
Yes, we once again we have a Tory government cutting taxes for the rich, while over 900,000 young people are struggling to find work and child poverty is forecast to rise.
But this time Ed Miliband and Labour are leading the debate, setting the agenda and speaking up for working people – middle and lower income Britain – facing a cost of living crisis.
As Ed Miliband said in his speech last week:
"This cost-of-living crisis is about the pound in people's pocket today. But it is not just about that. It reaches deeply into people's lives. Deeply into the way our country is run. Deeply into who our country is run for. And because the problems are deep, the solutions need to be too. "
Ed is right.
This is no time for steady as she goes.
No time for propping up the status quo.
Our country is crying out for real and lasting change.
And it is this new Labour generation – from the leadership out across our party – that is now preparing a credible and radical programme for government that I believe can win public trust.
So Labour has changed over the past twenty five years.
But as for the Tories – divided on Europe, stigmatising the vulnerable, dismantling the NHS – they haven't changed at all.
And there is a reason why we are all expecting a nasty, vicious, negative and backward-looking election campaign.
Because if this election is about credible change and a positive vision for the future, then the Tories will lose.
David Cameron had his chance to stand for change in 2010.
After the global financial crisis and with the MPs' expenses scandal fresh in everyone's minds, people wanted change then too.
But David Cameron failed to win public support or articulate a vision.
He failed to win a majority.
He failed to convince the country that the Conservative Party had changed and had earned the right to change Britain.
And as the last three years have shown, the country was right not to trust the Conservatives.
But to fully understand this Tory failure, and the challenge ahead for Labour, we need to be clear about what's gone wrong and what needs to change.
Living standards
Ed Miliband has been right to argue that the cost of living crisis is undermining support for a Tory-led government that promised to make people better off.
This government promised strong and balanced growth, rising living standards and the budget deficit gone by 2015.
The Tories and their supporters are now working hard to persuade the public that any growth in our economy is a vindication of their economic policies and disproves our critique that the Budget and Spending Reviews of 2010 choked off the recovery and flat-lined the economy.
But the Tories have delivered the slowest recovery for over 100 years, real wages down by an average of £1600 a year for working people, and painful public spending cuts extended well into the next parliament because three years of flatlining means that government borrowing has been £200bn higher than planned.
Simply to catch up all the lost ground since 2010 we need 1.5 per cent growth each quarter between now and the general election.
And Tory claims their plan is working are not going to wash with working people who are seeing their living standards falling and for whom this is no recovery at all.
Because the current cost-of-living crisis is not just about people on tax credits, zero-hours contracts and the minimum wage. It's also about millions of middle-class families who never thought that life would be such a struggle.
And in the last 24 hours David Cameron has gone from not wanting to talk about the cost-of-living crisis to effectively telling people they've never had it so good.
A desperate attempt to use highly misleading and selective statistics to tell people they are better off when they feel worse off. It makes the Tories look even more out of touch than before.
As the IFS has made clear, household incomes will be substantially lower in 2015 than in 2010. No amount of smoke-and-mirrors can allow David Cameron to wriggle out of this basic fact: hard working people are worse off under the Tories.
David Cameron's and George Osborne's plan may have worked for a privileged few at the top.
But for the million young people trapped out of work…
For millions of ordinary families, worried about how to make ends meet when wages are falling, and prices are going up…
For the young couples struggling to get on the housing ladder while the chronic shortage of homes forces up prices…
For the aspirational majority who work hard, pay their taxes, who want to get on and not just get by, but who are working harder for less as the cost of living keeps on rising…
… this Tory plan isn't working.
And people feel betrayed.
But we know there is a deeper reason why the Tories are failing.
The deeper public concern is one of fairness.
A view that David Cameron's Britain does not reward the majority who work hard and save…
…but instead serves the 'wrong people' – the rich and the powerful.
That view was already around in 2010 – and directed at all political parties.
But the view that this Tory-led government is standing up for the wrong people has become deeply entrenched.
As the latest Ashcroft polls have shown – just 21 per cent of people think the Conservative party stands for fairness.
Because on energy bills, zero-hours contracts and excessive bank bonuses, the Tories aren't representing the views of the majority, the hard-working people of Britain.
How often have you heard these words on the doorstep:
– I'm worse off;
– The Government is doing nothing about it;
– They stand up for the rich and powerful, but they don't seem to care about people like me.
And by cutting the top rate of income tax for people earning over £150,000 and choosing to introduce the unfair and perverse bedroom tax, David Cameron and George Osborne have shown us just how out of touch they really are.
On the cost of living and the condition of Britain, under Ed Miliband's leadership, Labour is winning the argument.
Today, twice as many people think that Labour wants to help ordinary people get on in life as the Tories.
More than half of voters think that Labour is the party which will best tackle the cost of living crisis and improve living standards for people like them
But this is no time for complacency.
Because David Cameron's failure to win public trust also reflects a deeper mistrust of politics more widely.
When the question is "Can politicians make things better?"…
… the danger is, for too many people, the answer is 'no'.
And Lord Ashcroft's recent polling report on the state of Tory support in marginal Tory seats makes clear that the rise of the UK Independence Party is a direct reaction to the failure of the Tory party to deliver change, combined with a general anti-politics mood. Anti-politics, anti-business, anti-European too.
So we cannot assume that Tory failure will simply translate into Labour success.
Our task is to show to a sceptical electorate that Labour has learnt from its mistakes and that we have the values, the ideas and the credibility to deliver the change Britain needs.
And to do so, in my view, we have to stand back and reappraise what has been happening in our economy over the last forty years.
Over the course of my lifetime, the global economy has fundamentally changed – and changed for the better.
As communism collapsed and countries gradually liberalised their economies, rapid reductions in poverty and increases in living standards have taken place in China, across Asia, in South America and Eastern Europe with growth now increasingly taking off in Africa.
Meanwhile, rapid changes in information and communications technology have transformed the way we live our lives and brought the world closer together. It is staggering to think that there is more computing power in my Blackberry than in the Apollo rocket that landed on the moon in 1969.
And as this pace has accelerated, global trade has increased as never before with new market opportunities opening up not just for us but also for rapidly growing middle income countries from Brazil to Indonesia.
But these changes have created big challenges too.
Trade and technology have combined to place a premium on higher levels of skills and qualifications, and reduced routine jobs which can be more easily done by robots or workers in poorer countries.
Changes in the structure of labour markets – often caused by the strains of global competition and including the fall in trade union membership – have also had a knock on effect on wages.
And as a result, labour markets are polarising with jobs growth happening primarily at the bottom and top of the income distribution.
Good jobs in the middle of the distribution have been far harder to come by. And in recent years, except at the very top, wages have stagnated. While, as resources like food, fuel and water have become scarcer, rising prices have put pressure on the cost of living.
These powerful trends were under way well before the global financial crisis. And while that crisis, and the failure of bank regulation which drove it, was not inevitable, there is a remorseless logic which connects the structural revolution of globalisation with the financial crisis that followed.
Global imbalances built up as cash-rich countries benefiting from export-led growth, like China, supported rising trade deficits and consumer debt in many developed countries. The financial services sector aided and abetted this process by misallocating capital and underestimating risks.
And when the global financial crisis caused huge collapses in economic output, those with bigger banking sectors, like Britain, were hardest hit.
So our generation now faces a twin task.
Dealing with the aftermath of the financial crisis.
And resolving the underlying tensions of globalisation and technological change which have not gone away.
For Britain, with the Eurozone in crisis, businesses very cautious and our banks still fragile, this was always going to be a long and hard adjustment.
Like many economists, I argued strongly that George Osborne's decision to accelerate premature tax rises and spending cuts would hit confidence, choke off our economic recovery and make it harder to get the balanced and investment-led recovery we need and to get the deficit down. So it has proved.
And with the global financial system still very vulnerable, the Eurozone moving from crisis to stagnation, and the Chinese economy slowing down, the world economy is certainly not yet out of the woods.
Here in Britain we have had the slowest recovery for 100 years but recently we have seen a long overdue return to growth
After three damaging years of flatlining, any growth is welcome.
But as we debate how to secure a stronger investment-led recovery, our task is also to look beyond the immediate challenge of economic and fiscal adjustment.
We have to ask a bigger question –– how do we create a stronger and fairer economic model for the future where the many benefit from rising prosperity and not just the few?
Some on the right argue for a return to free-market, trickle-down economics – cutting taxes at the top, stripping out regulation and making deep cuts to public services.
Others say if the problem is that rapid globalisation and technological change have undermined the pay and prospects of working people, then the simplest thing to do is to turn our back on those economic forces.
To put up trade barriers.
Or to leave the European Union.
I know, as an MP who had, until recently, the largest BNP membership of any constituency in the country, how some on the extremes of left and right see the solution to be isolationism, turning inwards, setting their face against the rest of the world and the global economy.
And it would be a mistake to believe that the frustration with the status quo in Brussels is confined to UKIP voters, any more than is scepticism about our open trading relationships with the rest of the world.
But I say that both these arguments are the road to economic ruin.
In my view, Britain has always succeeded – and can only succeed in the future – as an open and internationalist and outward-facing trading nation, with enterprise, risk and innovation valued and rewarded.
Backing entrepreneurs and wealth creation, generating the profits to finance investment and winning the confidence of investors from round the world.
But we cannot succeed the Tory way through a race to the bottom – with British companies simply trying to compete on cost as people see their job security eroded and living standards decline.
We can only succeed through a race to the top – investing in the skills of all as we make our economy more dynamic and competitive, and earn our way to higher living standards for everyone.
That is why Labour is today the party of radical economic change
I know some in the business community believe that Labour's focus on living standards, fairness, transparency and competition is anti-business.
But we will only win support for an open and dynamic market economy if we show that it can work for all, and not just some.
Without an active industrial policy to manage these powerful forces of globalisation and technological change, inequalities will continue to widen and, for many, precarious low skilled work will increasingly become the norm.
At a time when politicians and business leaders often seem to compete with each other for bad headlines, none of us can afford to bury our heads in the sand and ignore the concerns of the majority of people across our country that our economy is not currently working for them and their families.
That is why it is so vital that Labour shows we can succeed where the Tories have failed, working with business to shape the economic policies that can change Britain and earn our way to rising living standards for all.
And that is the agenda that Ed Milliband, my Shadow Cabinet colleagues and I have been setting out in recent weeks – not anti-business, but anti-business as usual.
To support good jobs and higher skills for all, we will:
– Expand free childcare for working parents to 25 hours a week to help make work pay.
– Introduce a compulsory job for the long-term unemployed and every young person under the age of 25 out of work for more than a year – paid for by repeating the successful tax on bank bonuses and restricting pensions tax relief for the very highest earners – a job they would have to take up or lose benefits.
– Introduce a new 'gold standard' vocational qualification and, as Rachel Reeves set out this week, require compulsory basic skills tests for anyone claiming Jobseekers Allowance.
– Increase support for high-end apprenticeships, including in companies seeking to bring in more skilled migrants.
– And combine tougher immigration controls and fair labour market rules which can get the benefits of migration while commanding public trust.
To ensure markets work in the public interest and for the long-term, we will:
– Legislate for more competition and tougher regulation in energy and banking to make sure these markets serve the public interest.
– Support new rules on takeovers and executive pay, following the Kay and Cox Reviews, so that corporations focus on long-term value rather than short-term returns.
– And Chuka Umunna, Lord Adonis and I will also explore reforms to ensure workers benefit from increased productivity through greater profit-sharing and employee share ownership, not the Tory plan to trade away rights for shares, but looking at the case for a new national, tax-advantaged profit-sharing scheme.
To deliver an investment-led recovery, we will:
– Set up a British Investment Bank to support small business, as we cut and then freeze their business rates.
– Back a new 2030 low carbon target to stimulate long-term investment in renewable, nuclear and clean gas and coal.
– Invest in science and R&D, with strengthened collaboration between universities and businesses, to support innovation and nurture new ideas and new companies.
– And commit to building 200,000 new homes a year by 2020, with reforms to our planning system and a new long-term Infrastructure Commission as proposed bygf Sir John Armitt.
And to ensure this long-term prosperity is shared around Britain, we will devolve economic power to innovative cities and regions and investment in our high technology and manufacturing supply chains.
These are the clear and detailed and deliverable policies we need to change Britain and persuade a sceptical public.
Radical – but not utopian.
Visionary – but evidence-based.
Egalitarian – but honest and realistic.
You could even call it a Fabian approach to managing economic change.
But there is a further challenge we face in winning public trust to deliver change.
After three years of economic stagnation and with the sustainability of the recovery still uncertain, we stand to inherit a very difficult fiscal situation in 2015.
As Ed Miliband said last week, deficit reduction alone does not make for a successful economic policy.
But both of us know it is a necessary and important part of it.
With the deficit we inherit currently set to be nearly £80 billion and the national debt still rising, it will be up to the next Labour government to finish the job.
This means that delivering change – on living standards, on skills and innovation and on jobs for young people, while safeguarding our NHS and vital public services – will be more difficult than at any time in living memory.
Certainly more difficult than at any time since the post-war Labour government of 1945.
So let me be clear.
We are determined to deliver the change we need to make our economy work over the long-term and to build a fairer society that rewards hard work and protects the vulnerable.
But we must make sure the sums add up.
We cannot and will not duck the hard choices ahead.
Without fiscal discipline and a credible commitment to eliminate the deficit, we cannot achieve the stability we need.
But without action to deliver investment-led growth and fairer choices about how to get the national debt down while protecting vital public services, then fiscal discipline cannot be delivered by a Labour government – or, in my view, by any government
It is these three objectives – fiscal discipline, growth and fairness – which will guide our approach.
Let me take them in turn.
Fiscal Discipline
First, fiscal discipline.
Last year, I set out how we will deal with the very difficult fiscal situation we will inherit in 2015.
We won't be able to reverse all the spending cuts and tax rises that the Tories have pushed through.
We will have to govern with less money, which means the next Labour government will have to make cuts too.
No responsible Opposition can make detailed commitments and difficult judgments about what will happen in two or three years time without knowing the state of the economy and public finances that we will inherit.
But we know we will face difficult choices.
The government's day-to-day spending totals for 2015/16 will be our starting point.
There will be no more borrowing for day-to-day spending.
Any changes to the current spending plans for that year will be fully-funded and set out in advance in our manifesto.
And we will insist that all the proceeds from the sale of our stakes in Lloyds and RBS are used to repay the national debt.
Alongside these commitments, Chris Leslie, the Shadow Chief Secretary to the Treasury, has already begun our zero-based review of public spending.
By examining every pound spent by government from the bottom up, we will root out waste and inefficiency.
And we will look at new ways of delivering public services suited to tougher times – while ensuring that they continue to make a huge contribution to the strength of our economy and the fairness and stability of our society.
Even those departments or areas of government spending which we chose to ring-fence will still be subject to this review because it is vital that we get maximum value for money for every pound spent.
So we have already gone further than any Opposition has at this stage in setting out a clear and disciplined approach.
But I want to go further still.
So I am today announcing a binding fiscal commitment.
The next Labour government will balance the books and deliver a surplus on the current budget and falling national debt in the next Parliament.
So my message to my party and the country is this:
Where this government has failed, we will finish the job.
We will abolish the discredited idea of rolling five year targets and legislate for our tough fiscal rules within 12 months of the general election.
Tough fiscal rules which will be independently audited by the Office for Budget Responsibility.
We will get the current budget into surplus as soon as possible in the next Parliament.
How fast we can go will depend on the state of the economy and the public finances we inherit.
And because we will need an iron commitment to fiscal discipline, I have also asked the Office for Budget Responsibility to independently audit the costing of every individual spending and tax measure in Labour's manifesto.
I urge the Chancellor to work with us to make this happen ahead of the next general election.
This would be the first time this kind of independent audit has ever happened – and I believe it is essential to restore public trust in politics and improve the nature of the political debate.
Second, alongside fiscal discipline, the reforms I set out earlier to get people back young people back to work and earn our way to long-term economic growth and prosperity are also vital to deficit reduction.
We can only reduce the fiscal deficit if our recovery is balanced, long-term and doesn't sow the seeds of problems ahead.
The challenge is to deliver stronger, investment-led growth which helps reduce the deficit in a sustainable way.
And with business investment still weak, housing demand once again outstripping housing supply and the IMF forecasting that UK growth will slow down again next year, it's clear that this is not yet a recovery that is built to last.
On housing, we support Help to Buy.
But we have called on the government to allow the Bank of England to urgently review how the scheme is working and to target its impact.
As we have said before, it cannot make sense for taxpayers to guarantee mortgages on homes worth as much £600,000.
And we have consistently warned, as have the CBI and the IMF, that action to support housing demand must be matched by action to increase housing supply.
But none of these things have happened.
So I say George Osborne must listen to the CBI and the IMF and act in the Budget to bring forward housing investment.
We need Help to Build, not just Help to Buy.
This would help people aspiring to own their own home, create thousands of jobs and apprenticeships and ensure we have a recovery that is built to last.
And it is why housing investment will be a central priority for the next Labour government.
Of course, there is a careful fiscal judgement to be made.
I have said that there will be no more borrowing for day to day spending in 2015-16.
But consistent with our tough fiscal rules, we will assess the case for extra capital spending to boost growth and jobs and make our economy stronger for the long-term.
Because the longer it takes to deliver the long-term policies that will transform our economy and earn our way to higher living standards, the harder it will be and the longer it will take to get the deficit down.
Third, Labour will combine iron discipline on spending control and action on growth with a fairer approach to deficit reduction.
That means facing up to the tough choices that are necessary if we are to take a fairer approach to deficit reduction.
As I said at this Conference two years ago, fair pay restraint in the public sector in this parliament would have been necessary whoever was in government.
And at a time when the public services that pensioners rely on are under such pressure, the next Labour government will not continue paying the winter fuel allowance to the richest five per cent of pensioners.
We won't be able to reverse the Government's cuts to child benefit for the highest earners.
We will keep the benefits cap, but make sure it properly reflects local housing costs.
We will cap structural social security spending.
And yes, over the long-term, as our population ages, there will need to be increases in the retirement age too.
And we will make changes to create a fairer tax system.
So we will crack down on tax avoidance, scrap the shares for rights scheme and reverse the tax cut for hedge funds.
We want a lower 10p starting rate of tax, which would help make work pay and cut taxes for 24 million people on middle and lower incomes.
And today I want to go further, to ensure that those with the broadest shoulders bear a fairer share of the burden.
The latest figures show that those earning over £150,000 paid almost £10 billion more in tax in the three years when the 50p top rate of tax was in place than when the government conducted its assessment of the tax back in 2012.
And when the deficit is still high, when tough times are now set to last well into the next parliament, when for ordinary families their real incomes are falling and taxes have risen …
… it cannot be right for David Cameron and George Osborne to have chosen to give the richest people in the country a huge tax cut.
That's why, for the next parliament, the next Labour government will reverse this government's top rate tax cut so we can finish the job of getting the deficit down and do it fairly.
For the next Parliament, we will restore the 50p top rate of tax for those earning over £150,000.
Reversing this unfair tax cut for the richest one per cent of people in the country.
And cutting the deficit in a fairer way.
So, can Labour change Britain?
My answer is a resounding Yes.
By setting tough and credible fiscal rules.
By supporting the long-term growth that will earn our way to higher living standards and help reduce the deficit.
By rooting out waste in public spending.
By making fairer choices on tax and benefit reform.
By pursuing radical reforms to tackle the cost of living crisis and build an economy that works for working people.
Yes, under Ed Miliband's leadership, Labour can change Britain.
And less than four years after our general election defeat, we are also showing that Labour has changed
Working with business to make our economy more dynamic –
but challenging business to support difficult reforms which promote competition and long-term value.
Recognising the role that trade unions play in our economy – but challenging them to change as we reform our party for a new century.
Supporting the most vulnerable and abolishing the bedroom tax – but proposing tough reforms to put work first.
Pro-European – but not ducking the big reforms we need.
Open to the outside world – but refusing to accept a race to the bottom where low-skilled, low-paid work becomes the norm.
Celebrating wealth creation and entrepreneurs – but clear that the richest must bear their fair share of the burden.
Yes, Labour has changed.
So let us now win the trust of the British people.
And together let us deliver the change Britain needs.
Thank you.


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Flange Bolt Dished Head M6x22 (Nickel Würks)
M6x22 with 1.0 pitch with 8mm head. Specbolt's "Würks" series bolts only look expensive. Forged from High Carbon steel, these class 10.9 Hardened Nickel Plated bolts rival titanium's good looks but at a much lower price. These bolts were engineered by Specbolt in conjunction with top engine builder Rob Selvy. He is so stoked about these new bolts he even loaned us the Selvy trademarked "Würks" name for them.
Learn how to properly measure bolts here on our how to page.


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(Updated on October 2nd, 2014)
If you purchase a product from us, we request certain personally identifiable information from you on our order form. You must provide contact information (such as name, email, and shipping address) and financial information (such as credit card number, expiration date).
We use this information for billing purposes and to fill your orders. If we have trouble processing an order, we will use this information to contact you.
We do not store your credit card information as part of the checkout process. There is also the option to receive our Email Newsletter updates. If you choose to receive these you should expect a periodic HTML newsletter content to arrive at the email address you provided with your purchase.
HOLSTEE Inc is the sole owner of the information collected on HOLSTEE.com.
HOLSTEE may provide you the opportunity to participate in contests or surveys on our site. If you participate, we will request certain personally identifiable information from you. Participation in these surveys or contests is completely voluntary and you therefore have a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code).
We use this information to notify contest winners and award prizes and to send participants our HTML email newsletter.
We use the information we collect from you for billing purposes and to fill your orders. We do not store your credit card information unless you ask us to do so. If you have signed up to receive our Email Newsletter updates we may use your purchase history to personalize special offers and promotions. These offers and promotions will be delivered to you in the form of an email newsletter.
We will occasionally send information on products, special deals & promotions. You can sign up for these emails from us any time on any page in the site. Out of respect for your privacy, we present the option not to receive these types of communications at http://www.holstee.com/unsubscribe. If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you.
Based upon the personally identifiable information you provide us, we may send you a welcoming email to verify your purchase or newsletter subsciption. We will also communicate with you in response to your inquiries, to provide the services you request, and to manage your account. We will communicate with you by email or telephone, in accordance with your wishes.
In order to process your Credit Card orders we use Shopify and Paypal, third party service, to validate & verify your account information. All billing and account info is transmitted via https which is a secure encrypted protocol system.
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our web site.
As is true of most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users' movements around the site and to gather demographic information about our user base as a whole. We do not link this automatically-collected data to personally identifiable information.
We also use Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Google Analytics uses "cookies", which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.
This web site may periodically contain links to other sites that are not owned or controlled by HOLSTEE.com. Please be aware that we, HOLSTEE.com, are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. This privacy statement applies only to information collected by this web site.
If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it by emailing our Customer Support at email@example.com or by contacting us by telephone or postal mail at the contact information listed below.
The security of your personal information is very important to us. When you enter sensitive information (such as credit card) on our registration or order forms, we encrypt that information using secure socket layer technology (SSL). We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
If you have any questions about security on our Web site, you can send email us at email@example.com
In the event HOLSTEE.com goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via email [prominent notice on our Web site for 30 days] of any such change in ownership or control of your personal information.
If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.
If you have any questions or suggestions regarding our privacy policy, please contact us at:
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Holstee Inc.
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Wilmington, DE 19807 USA


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Crystal Quest Water Filters Website Privacy Policy
The privacy of our visitors is very important to us. Here is information on what types of personal information we receive and collect when you use and browse the Crystal Quest Water Filters website at crystalquestwaterfilters.com and how we safeguard all of your personal your information. We never sell your personal information to third parties. As with most other websites, we collect and use the data contained in log files. The information in the log files include your ip address, your internet service provider, the browser you used to visit our website, the time you visited our website and which pages you visited throughout our website. We may use cookies to store information on certain pages, such as your personal preferences when you visit our website. This could include only showing you a popup once in your visit, or the ability to login to some of our features, such as the listings search, daily blog or discussion forums. We also use third party advertisements on our website. Some of these advertisers may use technology such as cookies and web beacons when they advertise on our website, which will also send these advertisers certain information including your ip address, internet service provider, browser type and when you visited our website, and in some cases, whether you have flash installed or not. You can chose to disable or selectively turn off our cookies or third-party cookies in your web browser settings. This privacy policy notice was last updated June 13, 2009. If you have any questions in regards to our privacy policiy or need more information, please visit the contact section, submit your inquiry and we will reply asap.


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Body mass index ( BMI ) is an indicator which compares a person's weight and height. The higher the BMI is, the higher is the weight and the lower is the height. The normal Body mass index is between 19 and 25. Below 19, we can consider a person underweight, and over 25 we can consider overweight or obese. If you want to know how many calories you should eat to lose weight use a calorie calculator.
This handy tool offers you the possibility to calculate bmi index quickly and without having to do maths. Just enter your weight and height and get the result.
BMI stands for body mass index which should reflect the amount of mass you have related to height. It is a basic indication if a person is slim or not.
BMI can only tell what is the mass related to height, it can't tell too much about the health, but it can give us a warning when something is out of range. A good BMI can't tell us that we are healthy, but a bad BMI can tell us that we are not.
Body mass index should tell us wither we are obese, underweight or overweight, it is not always true, since someone can have a lot of weight but all of it to be muscles, not fat. We all know that fat is dangerous, in fact, obesity is dangerous. Researchers tell us every day about problems that may appear because obesity. I don't want to scary people, but we have to know what we are dealing with.