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Portugal may be famous to the rest of the world for its Port wine and soccer celebrity, Cristian Ronaldo, however right here at Nomad Capitalist, Portugal is far more well-known for offering top-of-the-line Golden Visa packages on the planet.
As an EU member state, Portugal provides a excessive lifestyle when it comes to work, healthcare, local weather, infrastructure, stability, safety, and schooling. Portugal's quality of life is an enormous draw for these trying to reside in or turn out to be a citizen of a European nation.
For the parents with sufficient money, Portugal's Golden Visa program is the European equal of an open-door invitation to do exactly that.
Technically speaking, the "visa" is definitely a fast-track residence by investment program that grants non-EU/EEA residents a Portuguese residence allow in trade for a five-year investment in the country. This "golden" residence then allows the holder to obtain citizenship several years down the street in the event that they meet the qualifications.
Portugal hasn't all the time held its doors open to foreigners on this method, but when the Great Recession crippled its financial system, Portugal seemed outward for options. On October eight, 2012, Portugal launched the first Golden Visa program in Europe in an effort to attract overseas buyers who might each fill the federal government's shortly emptying coffers and reignite the Portuguese actual property market.
Greater than half a decade later, it's clear that the program has achieved simply that. I visited Porto, Portugal back in 2009 and once more in 2017 and the difference was staggering.
Since its inception in 2012, the Portugal Golden Visa program has attracted over 7,500 buyers and injected roughly four.35 billion euros ($four.95 billion) into the Portuguese financial system.
In reality, the program has been so profitable that, in January of this yr alone, the Golden Visa had already collected over €85 million from 146 buyers (and 241 of their relations). More than 90% of all applicants obtained their residence permits by way of actual estate acquisitions, which is by far the preferred form of investment.
In this article, I'll lay out all the particulars of the Portugal Golden Visa program as a way to perceive what Portugal is providing and what they require from you in an effort to then make the choice as as to if the residence program is the suitable answer on your individual needs.
On this article, I'll cover:
- The Advantages of Portugal's Golden Visa
- The 3 Investment Varieties
- Program Necessities, Documents, and Fees
- A Step-by-Step Golden Visa Software Guide
- The Tax Advantages of Non-Recurring Residence
- Who Should Contemplate the Portugal Golden Visa?
Portugal is certainly one of a number of Golden Visa packages on the planet. In case you are unfamiliar with Golden Visa's usually, you possibly can go here for an evidence of how they work, who they benefit, and the packages out there in Europe. In case you're on the lookout for information about citizenship by investment packages, the next articles and movies may help:
- 1 The Benefits of Portugal's Golden Visa
- 2 The three Investment Varieties
- 3 Program Necessities, Documents, and Fees
- 4 A Step-by-Step Golden Visa Software Guide
- 5 The Tax Benefits of Non-Recurring Residence
- 6 Who Ought to Contemplate the Portugal Golden Visa?
The Benefits of Portugal's Golden Visa
Earlier than we leap into too many particulars of how the program works, let's take a look at the explanation why it is best to contemplate Portugal's Golden Visa in the first place.
Foremost is the fact that Portugal presents a top-notch Tier A passport. As of 2019, Portuguese passport holders can journey to 184 nations visa-free, making it the sixth strongest passport on our Nomad Passport Index. While your initial funding won't mechanically get you a passport, it'll set you on the trail towards citizenship. And, at simply 5 years, Portugal's naturalization timeline is likely one of the shortest in Europe.
But you gained't have to wait for citizenship to take pleasure in journey benefits. Your Golden Visa residence allow will grant you visa-free travel privileges inside the Schengen Area and lots of different nations around the globe. Having a residence allow in most any Schengen country provides you with extra legitimacy when applying for visas in nations that also require you to obtain one. This can be a notably engaging facet of the Golden Visa for candidates who've limited travel privileges with their current citizenship.
Apart from granting you the correct to reside in Portugal and work towards citizenship, your Golden Visa residence may also will let you legally work within the nation. In case you don't need to spend much time in Portugal when you look forward to citizenship, you're only required to spend a mean of seven days per yr there to take care of your residence. And, as a resident of an EU country, you will have the proper to stay and work in any of the EU/EEA nations.
One other advantage of the program is that Portugal's real estate market is likely one of the most secure and engaging among all the Golden Visa nations. In contrast to neighboring Spain, where squatting and house "occupations" turned the norm following the recession, Portugal has had constitutional property protections in place since 1974 that prevented such issues.
Portugal's actual estate market was by no means vulnerable to wild speculation either (in contrast to in the US where unqualified consumers have been trying to develop into "no money down millionaires" before the bubble burst). Plus, the nation never had sprawling developments of tacky tract houses that swallowed up large areas of exurbia.
Because of Portugal's more reserved real estate market, some old-school tourist locations which have retained their authentic appeal are nonetheless obtainable on the market. Because of the hundreds of Golden Visa buyers, the good offers are fewer and farther between than before, but Portugal continues to be low cost by European requirements. When you're on the lookout for a European property investment with a warm-weather climate, Portugal is value contemplating.
This system itself can also be thought-about fairly secure because it has help from virtually all the political parties in Portugal. This system's software and approval course of has turn into slower in recent times, although, as a result of some resistance and the overall bureaucratic nonsense you'd anticipate from a western nation, so don't rely on this system being around endlessly. Nevertheless, it's secure enough to take a position now without worrying concerning the government altering its thoughts tomorrow and kicking you out.
Another benefit that is unique to Portugal's Golden Visa program is the potential for establishing non-habitual residence and tapping into unimaginable tax financial savings this program presents, particularly by Western European requirements. We'll tackle this specific profit in more element under.
Lastly, there are other methods to turn out to be a resident of Portugal, together with demonstrating certain belongings, getting a job in the nation, or having a Portuguese spouse or home companion. The good thing about the Golden Visa in comparison to these different residence pathways is that it lets you bypass all the normal necessities. (It must be noted that, while the Golden Visa removes the language requirement for residence, you'll need to know some Portuguese to turn out to be a citizen.)
At its core, the true attraction of the Golden Visa is that you'll be given preferential remedy through the immigration course of in trade on your investment within the country.
The three Investment Varieties
Portugal's Golden Visa program requires an funding in both real estate, enterprise, or capital contributions. While the actual estate choice is the preferred, the opposite two options can be found to people occupied with starting a company and hiring Portuguese staff or making financial contributions to institutions or companies in Portugal.
Every of these three paths entitles you to a Portuguese residence allow, renewable twice over the course of five years before you possibly can turn out to be a Portuguese citizen, with all the advantages (and potential future drawbacks) that include European Union citizenship. Listed here are the small print on the three totally different funding varieties:
1. Actual Estate Investment
The Portuguese government provides three totally different real estate funding classes for buyers.
The first choice is to spend money on any property value 500.000€ ($570,000) or more. The funding may be in one property or ten properties. Regardless of how many properties you purchase, the funding has to complete that quantity. By spreading your funding over a number of properties, you need to use part of that value on your overseas residence and the remaining portion for funding.
The second choice incentivizes rehabilitation of older properties by decreasing the funding value to 350.000€ ($398,000). The property may be anyplace in the city rehabilitation area, nevertheless it needs to be a minimum of 30 years previous or older, and it needs to be a renovation venture.
At Nomad Capitalist we've encountered some deals for this funding bracket before. A deal may happen in the form of a developer eager to renovate an previous constructing in Lisbon and looking for buyers. Often, the developer will promote shares of the property. Perhaps, they discover ten households prepared to take a position 350.000€ ($398,000) every. The developer then has their venture funded and provides the buyers a three% share of the income annually for 5 years. After that, when the families have a permanent residence, the developer pays them back.
The third choice is aimed toward growing funding in the Portuguese countryside. This is the most cost effective choice at simply 280.000€ ($319,000), however solely real estate investments in rural properties qualify. These properties typically seem within the no man's land between Portugal and Spain where there's principally nothing.
Provides for this bracket are few and much between. Nevertheless, I noticed a deal for a developer not way back who was turning a rural property right into a boutique lodge. The deal was to make a lodge with 20 rooms with the assistance of 200 buyers who every pay 280.000€ ($319,000). Whereas these deals are a lot much less widespread, they do exist.
Some artful buyers could be considering traveling to Portugal to complete a renovation venture on their own. When you may think it's simpler than it sounds, we guarantee you that it isn't. Portugal's paperwork makes this course of very tedious, and also you don not need to cope with that by yourself. Until you propose to maneuver to Portugal and get a part-time job when you work on renovating, completing a renovation venture by yourself is unlikely.
Do you have to be prepared to take the actual estate funding route, you possibly can't anticipate to make a big return on investment. People who wish to make an honest ROI of 12% or more usually are not going to get that with this scheme. The prices in Portugal have gone up and the yields have gone down. Returns shall be low and buyers need to simply accept that. That is the worth buyers pay to get a Tier A passport.
2. Entrepreneurs
The entrepreneur choice is among the most missed points of the Golden Visa program. It isn't for everybody, however in the event you match the invoice, it might prevent €500,000 in actual property investments and still get you an EU residence permit.
The primary requirement of the program is that you simply create a minimum of 10 jobs in Portugal and register every worker within the Portuguese Social Security system. Portuguese corporations pay 23.75% of gross wages to social security and staff pay a fee of 11% on their wage. To qualify for the visa, each of these charges have to be met.
Other taxes concerned in this setup embrace company and private revenue tax. The corporate tax price hasn't risen in the previous few years and appears to have plateaued at 21%. The private revenue tax fee is about 48%, but you'll be able to scale back that tax for those who show you're a non-habitual resident.
Entrepreneurs who are considering hiring in Portugal ought to know that it doesn't supply the most cost effective labor in Europe. While it's not the costliest labor out there, as of 2018 the minimal wage was 700€ ($797) a month and the typical month-to-month wage was within the area of 1.166€ ($1,328). That's a far cry from the minimal wage in different nations like Ukraine (266€ or $303) and Moldova (276€ or $314). Portugal undoubtedly isn't low cost in comparison with all the Japanese European nations that I'm all the time speaking about, however the program should be the fitting fit for you and your small business.
This program is greatest suited to a certain sort of entrepreneur, especially nomad capitalist entrepreneurs who're rising their enterprise and amassing employees all over the world. As an example, whereas I like to rent individuals from throughout Europe, if I have been to only rent Portuguese staff I might qualify for this system. In case you are trying to hire in Europe, Portugal might be a major location to rent content creators, back-office staff, salespeople, net developers, and so forth. So long as you're prepared to pay your staff subject to Portuguese standards, you'll be able to hire just about anyone.
And, even beneath that set-up, your staff wouldn't should be in Portugal full-time. They could work a few of the time at an workplace in Lisbon, but they may be touring round. As long as they're topic to Portuguese immigration and tax regulation, they wouldn't need to stay full-time in Portugal.
You wouldn't need to stay full-time in Portugal, either. Because the Golden Visa program doesn't require you to be a resident, you wouldn't need to migrate yourself or your complete firm to the Iberian Peninsula to qualify. As long as you keep your residency be spending roughly seven days a yr in Portugal, you're set.
Because of the non-habitual residence scheme, you might spend more time in the country for those who needed to without compromising your tax status, however long-term physical residence in Portugal is just not required so that you can keep your Golden Visa residence allow.
Portugal's entrepreneur program isn't an awesome fit for the one-man enterprise start-up. It's a higher match for entrepreneurs who have a larger, growing enterprise that may maintain ten staff over at the very least a six-year interval.
It's additionally a terrific fit for someone who's operating a enterprise abroad however doesn't essentially need to spend a lot time overseas, let alone reside there.
For instance, I just lately had a shopper from the USA who needs to continue dwelling in the US. He has round 100 staff and is trying to move a few of them overseas. In his case, he might rent ten Portuguese staff and mechanically qualify for second residency with out having to stay in Portugal.
In case you have a smaller scale business, are on more of a finances and are keen on dwelling overseas, then Lithuania or another nation may make more sense for you. In some nations, you will get a residence allow by hiring just some staff. In others, you'll be able to qualify for a second residency simply by operating a enterprise.
Portugal's Golden Visa entrepreneur program shouldn't be for everyone.
However, it is a excellent choice for somebody with a bit extra money and a much bigger employees who's prepared to spend extra hiring Western Europeans as an alternative of going and dwelling some place else. It's a great program that not many people contemplate. When you have the cash, contemplate it.
three. Capital Contributions
Outdoors of the actual property investment and entrepreneur route, there are also numerous capital contribution options obtainable.
You can also make any of the following investments to qualify for a Golden Visa:
- A capital switch with a worth equal to or above 1.000.000€ ($1,139,000).
- Make investments 350.000€ ($398,700) in a enterprise capital fund from a Portuguese firm that's at the very least 5 years previous and has a head workplace within the nation.
- Make investments 350.000€ ($398,700) in an present Portuguese company alongside creating 5 everlasting jobs for no less than three years.
- Make investments 350.000€ ($398,700) in scientific analysis carried out by a public or personal institution that's part of Portugal's scientific or technological techniques.
- Make investments 250.000€ ($284,800) in supporting the humanities, culture or restoration or upkeep of Portuguese cultural heritage.
Apart from the choice that requires you to create five everlasting jobs for three years, all of those investments should be maintained for 5 years. As is widespread with investments of this type, you'll need to offer proof of funding to the federal government. Take care to maintain any and all receipts relating to this transaction.
Program Necessities, Documents, and Fees
To be eligible for the Golden Visa, it's essential to meet a number of necessities. They're as follows:
1. Be a Third-Nation Nationwide
This requirement merely signifies that you can't already be a Portuguese citizen or a citizen of any EU or EFTA country to apply. Over half of all current candidates are from China, but the variety of candidates from different nations corresponding to Russia, Turkey, South Africa, Brazil, and others has slowly grown over time. In reality, candidates from nations aside from these prime five have grown from 9% in 2015 to over 20% in 2019 — a testament to the growing reputation of this system.
2. Make and Keep a Certified Funding for a 5-Yr Minimum
For those who go the actual estate investment route as most people do, you are able to do so as a person or as a qualifying authorized entity. Nevertheless, buying real property in Portugal via a overseas corporation exposes you to hefty transaction taxes, so it's greatest to not use your offshore corporation to purchase.
The good news is that, a minimum of for now, overseas real property owned in your identify just isn't a reportable monetary asset in america. Owning abroad property is a good way to diversify your belongings and spend money on a spot you'd wish to stay. While I might all the time help retaining your offshore bank account in a separate country from your second residence, Portugal is a pleasant place in case you like a Mediterranean local weather.
3. Fulfill the Minimum Residence Requirement
You should spend at the least seven days in Portugal during your first yr as a resident, at which era it's essential to renew your allow. After that, you only have to renew your allow every two years and show proof that you've spent a minimum of 14 days in the country throughout that interval.
four. Present Proper Documentation
In terms of paperwork, Portugal's process is more simple than many citizenship by investment packages within the Caribbean. This is principally as a result of Portugal requires you to do the paperwork on your Golden Visa in Portugal.
Eliminating the space issue significantly improves the documentation course of.
Regardless, it's nonetheless essential to have a superb understanding of the program and its requirements because not all Portuguese legal professionals are as efficient as they might be. Not to mention that there are more shifting elements within the Portugal Golden Visa, so there are extra issues that may go mistaken when you're not cautious.
The appliance course of requires that you simply submit personal documents in addition to proof of your investment(s), including the following:
- A passport or different valid travel ID
- Proof of your legal entry into the nation (i.e., Schengen short-stay visa)
- A licensed copy of a background examine out of your nation of origin or residence (issued inside 90 days of submitting your software)
- A completed permission type which authorizes SEF to your Portuguese legal data
- Proof of medical insurance (to cowl your stay in Portugal)
- Declaration from you stating that you're compliant with the investment requirements
- Proof that you're in good standing with the Portuguese Tax and Customs Authority and Social Safety methods
- Assertion out of your financial institution that confirms the transfer of funds
- Proof of cost of the Portuguese Golden Visa charges
Aside from the noted exception, all documents should be legitimate for at the least 180 days before submitting your software.
On prime of these paperwork, you must prove that you are committed to maintaining your investment for at the very least 5 years, as well as proof of your investment. Some examples of proof you'll be able to provide are:
- Deeds of buy for all real property investments
- Employment contracts for jobs that you simply created inside the country
- A financial institution statement that shows your capital contributions
Make sure that your paperwork doesn't get rejected by getting all paperwork translated to Portuguese. SEF requires that documents be translated by a Portuguese notary or by a Portuguese consulate within the country of origin.
5. Pay All Related Charges
This is not the type of residence where you go in, flash some papers around, pay a $200 payment and are available again and get your card. There are substantial fees involved as a result of your complete program is about up in order that they will earn a living off of the process.
The Portuguese government knows that their viewers is made up of rich buyers who need a European passport and endless entry to the EU and are prepared to pay for it.
A Tier A passport does not come with no hefty price tag.
In addition to the monetary funding you make (which is double the amount required for Greece's Golden Visa), additionally, you will have to pay a payment of 5.147,80€ ($5,860.00) for every applicant, including yourself and any dependents. Fortuitously, whenever you renew your visa, the fees are slashed to 50% of these unique rates.
In addition to those charges, there's additionally a processing charge of 514,80€ ($590.00) for the primary applicant and a further 80,29€ ($92.00) for every member of the family that have to be paid with the initial software and with every renewal.
Qualifying dependents embrace the applicant's partner and youngsters underneath 18; youngsters over 18 can qualify if they are single and in class. Retirement-aged mother and father in the household can qualify for this visa, as properly.
Whereas the Portuguese Golden Visa has much less paperwork involved than different comparable packages, it's a good idea to get professional assist to ensure that every thing is completed appropriately and to cope with the country's paperwork. Lawyer's charges for the Portugal Golden Visa course of can value anyplace between four.000€ to 5.000€ ($4,500 – $5,700).
Should you determine to go the actual estate investment route, you'll have to think about taxes, stamp obligation, and other charges as properly. While it is determined by which funding bracket you select, you're protected anticipating to pay round 9%-10% of your funding in these fees. The majority of that value comes from the Property Transfer Tax (IMT) in case you are investing in actual estate.
Once more, this program isn't low cost. These fees are just part of the worth you pay to get the perfect of one of the best. In case you are not prepared to pay these charges, then you need to contemplate a special residence by investment program.
A Step-by-Step Golden Visa Software Guide
Step One: Determine how you will make your funding.
Before you apply for this visa, you could have already made your funding. In case you are investing in actual estate, keep in mind that property purchases in Portugal can take anyplace between one to 3 months to finalize.
Step Two: Start gathering all the required documents.
When you wait on your investment to go through, you can begin gathering documents on your software as it will probably take a couple of months to acquire all of them. Requesting police checks can take some time, so when you are waiting to obtain that document, you'll be able to work on getting your Portuguese credentials. You'll have to get a Portuguese NIF or fiscal quantity and open a Portuguese bank account, as nicely. Both of this stuff can happen remotely, so you will get ahead of the game before you arrive in Portugal.
Step Three: Finalize the funding.
Transfer the funds wanted to finish your funding to your Portuguese checking account. After that, you can also make the investment.
Step Four: Translate your documents into Portuguese.
When you are waiting in your investment to finalize, you possibly can concentrate on getting your documents translated into Portuguese. You'll need to ensure that the translation is certified by a Portuguese notary or a Portuguese consulate within the nation of origin to satisfy SEF's necessities.
Step 5: Complete the pre-application registration.
The immigration workplace, Serviço de Estrangeiros e Fronteiras (SEF), has an internet portal where you possibly can submit your software. Nevertheless, it's a must to pre-register before you possibly can apply.
Since Portugal's residence by investment scheme could be quite difficult, your lawyer or one other legal consultant is more likely to deal with this for you. Once the pre-registration is accomplished via this web site, you'll be able to then pay the appliance payment of 514,80€ ($590.00) and 80,29€ ($92.00) for each member of the family. You will also need to submit a replica of all the required documents right now.
Step Six: Schedule your appointment.
Once you're pre-approved, you'll be able to then make your appointment. In greater Portuguese cities like Lisbon and Faro, it will possibly take up to three months to get an interview. Should you schedule your interview in a much less populated district, you may be capable of scale back your ready time. You'll find an inventory of SEF branches right here.
Step Seven: Attend your appointment.
In your appointment, an immigration official will interview you, and they'll acquire your biometric knowledge. In case you are making use of with your family, remember to convey them alongside to be able to submit all the purposes concurrently. By doing this, you'll save yourself months of software processing time.
Step Eight: Look forward to approval.
When you've attended your appointment, you must wait three to 6 months to be permitted. When your software is finally accepted, you should pay the permit difficulty payment of 5.147,80€ ($5,860.00) per individual earlier than you'll be able to obtain your residence card.
Step 9: Use and renew
As discussed, your residence allow can be legitimate for one yr. You only have to renew your residence at the finish of the first and third yr. At the moment, the permit concern charges will probably be half of their unique worth.
Step Ten: Develop into a Portuguese Citizen
In the event you've maintained your funding and your minimum residency requirements, you'll be able to apply for Portuguese citizenship on the finish of five years. Simply keep in mind that you'll want to know some Portuguese, so if citizenship is your objective, ensure you brush up on the language. If all goes nicely, you'll receive a Portuguese passport, one of many extra powerful passports on the planet.
The Tax Benefits of Non-Recurring Residence
One ultimate word that cannot go unmentioned in terms of any of Europe's Golden Visas is that the majority of these packages don't waive their taxation necessities for Golden Visa residents. Many people erroneously consider that in the event that they get a Golden Visa, they gained't need to pay tax.
This often isn't the case.
Portugal is the one exception… as long as you're structured properly. Holistic planning in these instances is important as a result of messing up can value you a fortune. But, in case you are ready to make an effort and do a big quantity of planning, you'll be able to drastically scale back your tax burden by turning into a non-habitual tax resident of Portugal.
To qualify, you have to both be a Portuguese citizen or a resident, both of which are made attainable by means of the Golden Visa program. As a non-habitual tax resident, you possibly can legally get rid of your taxes on most foreign-sourced revenue, even whenever you spend greater than 183 days a yr in Portugal.
The tax residency is sweet for 10 years and exempts non-habitual residents from revenue tax on virtually any foreign-sourced revenue, including:
- Enterprise or self-employment revenue
- Royalties
- Revenue from eligible occupations
- Occupational pensions
- Capital features (though capital positive factors from the sale of securities might be taxed)
- Rental revenue
- Curiosity
- Dividends
You'll be able to study more concerning the non-habitual residence scheme right here.
Should you do pursue this route, take into accounts that the EU doesn't combine nicely with offshore banking. To successfully mix a world tax technique with Portuguese citizenship, comprehensive planning is important. It's a must to be sure that every part is completely aligned to keep away from tax hassle afterward down the road.
Who Ought to Contemplate the Portugal Golden Visa?
It's troublesome to know if the pros outweigh the cons with Portugal's Golden Visa program as a result of it all comes right down to your individual wants and circumstances. For many buyers, the most important plus is the trail to a Tier A passport. For others, the draw is Portugal's high quality of life. For others nonetheless, Portugal may be their selection simply because it's the greatest fit for their offshore strategy in comparison with the opposite packages obtainable to them.
As I've discussed elsewhere, a lot of the Golden Visas provided in Europe have the best attraction to the next three groups:
1. US Residents who plan to surrender their US citizenship now or sooner or later and who need a Tier A passport to exchange their US passport. These people could also be getting a second passport now that isn't as powerful they usually need to work in the direction of EU access so they can improve their journey options. Typically, their goal isn't just residence however eventual European Union citizenship. Nevertheless, this first group may be higher off building a passport portfolio of varied Tier B passports slightly than giving up US citizenship simply to tackle the paperwork of another huge authorities.
2. Emerging-world Citizens who've "dangerous passports" and need entry to the EU for the faculties, the opportunities for his or her youngsters, the security, the steadiness, no matter it's that they deem essential. They need to reside in Europe and ultimately grow to be citizens. That is the group that advantages probably the most from the Golden Visa program as a result of it allows them to bypass the endless problem of getting visas for his or her dangerous passport to be able to travel to Europe and elsewhere.
3. Enterprise house owners and buyers trying to spend all of their time in Europe. Portugal's Golden Visa provides you unlimited entry to the EU so, if your aim is to have the ability to reside, do enterprise and travel to the EU past the 90 or 180 days of visa-free access that you've in your current passport, a Portuguese residence permit might do the trick.
In case you are simply trying to reside in Portugal, this is probably not the program for you. Different European nations supply more reasonably priced and less cumbersome packages that might let you reside in Portugal. In case you're not prepared to make the actual property investments, pay the capital contributions, or pursue the entrepreneur route and pay the fees concerned, it is best to think about a special program.
All in all, Portugal's Golden Visa program provides many advantages regardless of the numerous investment required. For overseas buyers on the lookout for entry to the EU and a powerful passport, the fees and price may be well worth the hassle.
Nomad Capitalist is all about serving to individuals such as you "go where you're handled greatest". If you wish to study more about what precisely meaning, and why I consider so strongly in it, I made this video that's value watching:


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Prediction Sydney Olympic - Druitt Town Rangers
Sydney Olympic VS Druitt Town Rangers
Australia Npl Nsw
Date match: 06/02/2019 Sunday
Australia Npl Nsw
Date match: 06/02/2019 Sunday
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Budapest, July 9 (MTI) – Hungary's trade surplus came to 504.7 million euros in May, a first reading of data released by the Central Statistical Office (KSH) on Thursday shows.
Exports climbed by 2.5 percent to 7.216 billion euros during the period. Imports edged down by 0.7 percent to 6.711 billion euros.
In January-May, the trade surplus reached 2.750 billion euros. Exports rose by 6.9 percent to 37.163 billion euros during the period. Imports increased by 5.1 percent to 33.674 billion euros, KSH said.
Source: http://mtva.hu/hu/hungary-matters


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A new report published by Amnesty International on Wednesday details the latest human rights abuses committed by the Venezuelan military against anti-Maduro protesters earlier this year. The abuses include the execution of dozens of protesters—almost all by gunshots—and the arbitrary detention of nearly 1,000 Venezuelans. The protests began in late January when opposition … [Read more…]
US Southern Command boss says military is prepared to send troops to Venezuela
Venezuelan troops recently set roadblocks on the country's largest road leading into neighboring Colombia in order to prevent much-needed food, medicine, and aid supplies from reaching desperate citizens. As the country descends further into madness with two men claiming to be Venezuela's legitimate ruler, Nicolas Maduro ordered the blockade as a show of defiance in the face of … [Read more…]
US envoy to Venezuela says 'security of interim President Guaido is a concern'
As confusion continues over who is the legitimate leader of Venezuela, U.S. envoy to the country Elliot Abrams told reporters on Wednesday he is concerned for the safety of Juan Guaido, the country's "self-proclaimed interim president." The Trump White House has been a vocal supporter of Guaido ever since he announced his claim to the interim-presidency, and several other … [Read more…]
Russian private military contractors are in Venezuela guarding Maduro
As the chaos in Venezuela continues, with two men claiming to be the rightful president, Russian private military contractors (PMCs) are allegedly already on the ground working for socialist Nicolas Maduro. Their mission is speculated to be executive protection for Maduro, according to a report from Reuters. Numerous governments, including the United States and Canada, have … [Read more…]
Move over, Maduro: Venezuela's opposition leader declares himself new president
The end of Nicolas Maduro's socialist regime of terror may soon be coming to an end in Venezuela. Early on Wednesday, January 23, reports began surfacing about thousands of protesters hitting the streets of Caracas, many shouting anti-Maduro slogans such as "Get out, Maduro," according to Reuters. Venezuelan police units used tear gas to drive the protesters back. As the … [Read more…]
Venezuelan authorities claim to have suppressed attempted military coup near the capital
Several Venezuelan National Guard soldiers have been arrested, accused by authorities near Caracas of attempting to mutiny against Nicolas Maduro, the current president of the country. According to one report from Agence France Presse (AFP), the rebelling soldiers posted a video message to social media in an attempt to spur support for their cause. Shortly after the video was … [Read more…]
The walls around Venezuela's socialist Maduro regime are crumbling
The White House slammed Venezuela with a new round of sanctions earlier this week, in a move that indicates the U.S. plans to continue its hardliner stance on corruption and human rights abuses committed by members the Maduro regime. These latest penalties are in retaliation for a "currency exchange network scheme," in which several high ranking members of the Venezuelan … [Read more…]
Colombian authorities claim to have thwarted an assassination plot after arresting three Venezuelans with weapons
Law enforcement officials in Colombia claim they recently uncovered a possible plot to assassinate President Ivan Duque. According to Reuters, Colombia's Foreign Minister Carlos Holmes Trujillo went public with the information via a video message on Saturday. In the video, Trujillo described the plot as "credible" and stated three Venezuelan nationals, who are now suspects, had … [Read more…]
Venezuela and China sign agreements, opening up the South American country's oilfields
Venezuela and China signed valuable deals and cooperation agreements on Friday, some of which give China access to the South American country's coveted oil fields. According to Reuters, Venezuela's president Nicolás Maduro traveled to Beijing on Wednesday in search of an "economic agreement" to boost Venezuela's collapsing economy, "I am going with great expectations and we … [Read more…]
New U.S. sanctions for Venezuela's ruling elite as important vote looms
The United States has approved a new round of sanctions against Venezuela, as the country continues to slog through a series of crises and a deteriorating security situation in the wake of a massive economic downturn. The sanctions reportedly affect 13 key members of President Nicolas Maduro's ruling and security establishment, targeting their personal finances and ability … [Read more…]


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Whether your first visit or your fiftieth, we hope you find our site helpful in obtaining information about our parish community. If you have any questions please feel free to contact us at any time. Learn more about our parish »
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RCIA Classes are forming for the coming year. If you are interested in learning more about the Catholic faith and/or wish to join the Church, contact us for more information and registration materials or complete the RCIA form here. Classes will begin in September 2019 and will continue weekly through April 2020. For more information about RCIA, please click here.
CCD Classes for the 2019-20 school year begin on Wednesday evenings after Labor Day. Registration will be different for this year, taking place on the night of the parent meeting.
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We welcome college students from Heidelberg University and Tiffin University to our parish! If you would like to receive the Intercom newsletter and an occasional greeting from the parish, furnish us with mailing and email addresses at the Contact Page.
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Mass for St. Joseph Church can be seen on local Spectrum channel 1021 every Sunday at 10:00 AM and 5:00 PM.


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Great Beam, Great Color, Great CRI
dynamic duo
fun w Trits
E21a 3500k
Hi all,
In this tutorial I cover how to use the voltage, amperage and continuity settings of the multimeter to troubleshoot or modify flashlights.
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Asking $275 OBO shipped in the US
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I purchased what I felt was a good one from
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12 Nov Thoughts, Formulas and Shortcuts for Business
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Located 35km from the city of Volos, at a 450 meters altitude, you will find one of the most beautiful traditional villages of Pelion, Neochori. It is one of the few villages in the area looking all directions of the horizon as it was built in the center-eastern part of the mountain. The view is spectacular as the visitor can observe the Aegean Sea, the Pagasitikos gulf and the green scenery of the mountain from different parts of the region.
All our rooms in this historic mansion (since 1841) are spacious, bright, with hardwood floors and offer ample space for your luggage and clothes, which can be arranged in the renovated traditional wooden wardrobes. All rooms have ensuite bathrooms, which are completely renovated, each lavishly decorated with handmade tiles. Each room and ensuite bathroom is differently decorated and has its own design.
On site we offer activities, such as Lomi Lomi massages, horse activities, hiking with or without guide, mountain bikes, yoga (only with previous notice) and forest bathing. During the year we organise well being seminars (herbal, yoga, horse retreat and other).
In our restaurant we offer breakfast with local products. Some of them are our own production completely organic. We can organise lunch or dinner tailored to our guests for groups over 8 persons.
The village is famous for mining plaques and stone, basic raw material for the traditional architecture of the area, of excellent quality, colors and design.
In the center of the village one will find the superb picturesque square, amphitheatrically built in two levels connected by stone stairs. Traditional stoned laid streets and fountains surround the square. This has always been the meeting point for the residents. Restaurants, mini market shops, a kiosk, the liquor store, the pharmacy, the butcher shop and souvenir shops are all found here. Next to the central square, there is the Cern exhibition center, which is based in Switzerland, where you can find the permanent exhibits collection of the famous research center.
The St.Demetrios cathedral-patron of the village-is built on the first level of the square. Built in 1760 with local wood and stone, its interior was decorated by the famous painter from Epirus, Ioannis Pagonis. There are historical and rare relics inside; with most outstanding the wooden temple dating back to 1640.Total renovation of the church began in 2015.
In addition to the abundance of natural wealth and unique view, walking in the area will reveal the incredible architecture of Pelion, with the stone mansions, arched bridges, chapels and monasteries. Some of them are Panagia Kalogianni or Tourkogianni, Panagia Plakiotissa, St.George church, St.Anargyroi, The Nativity of the Virgin church and more.
Pelion is a combination of mountain and sea so the unique location allows the visitor to enjoy the beaches of the Aegean Sea and Pagasitikos gulf in the summer months. There is a wide variety of beaches, organized and free, crowded and very remote ones, easily accessible or others that are only accessible by adventure seekers. Something for everyone! The famous crystal clear waters of Pelion are combined with different kinds of sand, shingle and stone, while the trees bend over the water, as if to cool it off, during the hot summer months! Many of the beaches are connected to gullies, reminding fairies and mythology legends.
The Neochori village is an all season destination, an exceptional combination of mountain and sea, offering the visitors moments of relaxation, fun and beautiful views. It is no coincidence that in mythology Pelion was the resort of the Olympian Gods and various other historical figures. A destination for the elite, in all its simplicity!
Located 35km from the city of Volos, at a 450 meters altitude, you will find one of the most beautiful traditional villages of Pelion, Neochori. It is one of the few villages in the area looking all directions of the horizon as it was built in the center-eastern part of the mountain. The view is spectacular as the visitor can observe the Aegean Sea, the...Read more
Archontiko Mytilineou Skretaion's team is dedicated to ensuring you enjoy every aspect of your stay. As part of this commitment these terms and conditions have been drawn up with the aim to protect all parties through a better understanding of contractual and legal obligations of both the guest and the business.
The breakfast is served between 08:30-10:30 hrs. For early departure guests breakfast boxes can be arranged upon prior notice.
Early check-in and Late check-out can be provided at extra charge and is to be confirmed by the Hotel management based on availability.
No parties or events organised on guest's own initiative are permitted. The Hotel staff would be happy to assist in any function arrangement on behalf of the guests, provided an advance agreement with the Hotel management.
No smoking is allowed inside the building. For smoking inside the building a cleaning fee of 350.00€ will be charged. For security reasons, smoking outdoors is only allowed at the terrace where the ash trays are provided.
No cooking is allowed in the kitchen or other areas by our guests. The kitchen is professionally licensed and the guests are strictly forbidden to enter. The Hotel staff would be happy to prepare lunch or dinner upon request. Food is not allowed inside the guests rooms.
Please keep your personal belongings inside your rooms. Valuable items can be placed inside the safety boxes in the guest rooms. The Hotel is not responsible for any loss or damage of any personal belongings of the guests.
Please respect the items and the furniture of the premises, as many are from 16th century or unique handmade pieces. All items and furniture you will find is the property of the Hotel. We therefore reserve the right to charge you for the full replacement cost for any item or piece of furniture removed from your room. If there is damage caused by the guests to any bedding or linen, the Hotel reserves the right to charge the guest for specialist cleaning. Lost keys will result in a charge for replacement keys being levied.
We kindly ask you to not hang swimming suits, towels or other clothing on the window frames or other parts of the premises. For that purpose we have a clothes hanger provided outside.
Please do not use the white towels you will find in your room for the swimming pool. Special towels to be used by the pool are provided free of charge upon request. One towel per guest/3 days is provided. Changing towels daily or on a more often basis are subject to charge of 5.00€/towel/use.
The swimming pool area is open daily between 09:00-20:30 hrs. For your own safety and the safety of others please respect the guidelines you will find at the pool area.
The Hotel main door locks after 22:00 or if no staff is present on-site. Please follow the instructions that are given during your check-in for entering the property with the keys provided during your stay.
In regards to preserving our natural environment we kindly ask you to minimise the use of electricity and water. The air-condition is to be used with windows and doors firmly closed. Before exiting your room please check that all appliances are switched off and water taps are firmly closed. Please switch off the lights in the corridors or common areas. If an excessive use of sources is noticed, a fee of 200.00€/stay/room will be charged to the guest.
Visitors are permitted only with prior advance notice.
Archontiko Mytilineou Skretaion's team is dedicated to ensuring you enjoy every aspect of your stay. As part of this commitment these terms and conditions have been drawn up with the aim to protect all parties through a better understanding of con...read more
Be the first to review this property!The hosts took the time to best showcase their accommodation. Their home is now ready for your stay and they look forward to welcoming you as their first misterb&b guest!
Please ask as on site for recommendations.
All kind of activities and attractions can be met depending season.
Please ask as on site for recommendations.
All kind of activities and attractions can be met depending season.


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Ferry accident kills more than 100 in Africa's Lake Victoria
by Onize Ohikere
Posted 9/21/18, 11:33 am
More than 100 people died when a passenger ferry capsized on Thursday afternoon in Tanzania's Lake Victoria. Rescue workers said the death toll would rise as rescue efforts continued. Tanzania's Electrical, Mechanical, and Electronics Services Agency said the ferry capsized near the area of Mwanza. Police commander Jonathan Shanna said there are no foreigners among the casualties. "Right now our focus is on rescue," Mwanza regional commissioner John Mongella said, adding that workers picked up at least 37 survivors, though he could not say how many passengers boarded the ferry. Passenger ferries like the one that capsized are often overcrowded and in poor condition. In 1996, more than 800 people died when a passenger and cargo ferry sank in Lake Victoria. In 2011, another ferry sank near the island of Zanzibar, killing nearly 200 people.
Read more from The Sift Sign up for The Sift email
Onize Ohikere
Onize is a reporter for WORLD Digital based in Abuja, Nigeria.


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How Team Action Programmes work
The diagram shows the phases involved in Team Action Programmes. Detail in each phase is revealed by pointing with your mouse.
Team action programmes are powered by PLANtoWIN. Each of the Analytical and PLAN Development phases contain elements from the PLANtoWIN Process providing structure and analytical clarity, enabling effective contributions to be made by participants. The Implementation phases are made easier by the team commitment to the robust PLAN and the PLANtoWIN web based software that enables easy update, monitoring and control.
We help you adopt the best approach for your team/business/organisation for managing each of these phases.


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Social Science Statistics Textbook Tanushree Mitra, assistant professor of computer science in the College of Engineering and a faculty member at the Discovery. Stage
Volume 53, Issue 1. THIS ARTICLE HAS BEEN RETRACTED. Yu-Ping Ning and Yu-Tao Xiang, Adjunctive intranasal oxytocin for schizophrenia: A meta-analysis of randomized, double-blind, placebo-controlled. Chad Bousman and Christos Pantelis, Effects of oxytocin and genetic variants on brain and behaviour: Implications for.
The meta-analysis and systematic review was performed in accordance. photon emission computed tomography' OR 'PET' OR 'SPET' OR 'SPECT') AND ('schizophrenia' OR 'psychosis' OR 'schizophreniform' OR.
Symptomatic and functional correlates of regional brain physiology during working memory processing in patients with recent onset schizophrenia. Psychiatry Research, 173, 177 – 182.
There were no significant differences by cannabis group in global or regional brain volumes. We evaluated multiple measures of brain structure including cortical thickness (CT), volume, and GMD.
CSF is the biological material closest to the brain that can be easily assessed. immunoglobulin production. Also, a meta-analysis found several specific infectious agents to be associated with.
Our integrative analysis of expression and methylation profiles, therefore, suggests a stress-related epigenetic mechanism in the brain, which could be associated. common to various.
In this study, voxel-based morphometry was used to investigate relations between gray matter/white matter volume. brain regions that are important for cognitive control, empathic processing, and.
Social Science 4th Grade In this fourth-grade course, students explore a wide variety of social studies and science topics while building their skills in
McDonald C, Bullmore E, Sham P, et al: Regional volume deviations of brain structure in schizophrenia and psychotic bipolar disorder: computational morphometry study. Br J Psychiatry 186: 369 –77, 2005
Nov 04, 2016 · We aimed to identify abnormalities in the localized connectivity in schizophrenia patients and their relatives by conducting a meta-analysis of regional homogeneity (ReHo) studies. Methods: Fourteen studies on resting-state functional magnetic resonance imaging, with 316 schizophrenia patients, 342 healthy controls, and 66 unaffected relatives.
In a small fraction of patients with schizophrenia or autism, alleles of copy-number variants (CNVs) in their genomes are probably the strongest factors contributing to the pathog.
However, little is known about the association between progressive brain volume change in schizophrenia and BDNF genotype. The aim of this study was to investigate the relationship between hippocampal volume change in patients with schizophrenia and healthy control subjects and BDNF genotype.
pal volume reduction in patients with schizophrenia. A more recent meta-analysis of 58 MRI studies concluded. values of greater than 0.90 for all left and right regional brain volumes.
A new landmark study—which is the largest meta-analysis of MRI brain imaging to date—has identified specific brain abnormalities in gray matter volumes of people with bipolar disorder (BD) and.
BioMed Research International Volume 2015, Article ID. Northoff, A. Heinzel, M. de Greck, F. Bermpohl, H. Dobrowolny, and J. Panksepp, "Self-referential processing in our brain—a meta-analysis of imaging. a theoretical review and meta-analysis of neuroimaging studies with implications for schizophrenia.
To maximize sample size, we meta-analyzed data on 807,553 individuals. structure and neurotransmission. An enrichment analysis provided further evidence of the importance of prefrontal brain.
With a marked sample-size increase from a unique Danish population resource, we report a genome-wide association meta-analysis of 18,381 individuals. significantly overlapping genetic architectures.
Consistent with this model, central (eg reduced hippocampal volume) and peripheral abnormalities. robust biomarker of intrinsic brain networks and to circumvent some of the seed-based analysis.
Assessment | Biopsychology | Comparative | Cognitive | Developmental | Language | Individual differences | Personality | Philosophy | Social | Methods | Statistics.
Sexual dimorphism is present at birth, with males having larger total brain cortical gray and white matter volumes than females. In contrast to adults and older children, the left hemisphere is larger than the right hemisphere, and the normal pattern of fronto-occipital asymmetry.
Males and females differ in specific brain structures. The team performed a quantitative review of the brain imaging literature testing overall sex differences in total and regional brain volumes. They found that males on average have larger total brain volumes than women (by 8 to 13 percent).
Meta-analysis of regional brain volumes in schizophrenia IC Wright, S Rabe-Hesketh, PWR Woodruff, AS David, RM Murray, American Journal of Psychiatry 157 (1), 16-25 , 2000
Neural abnormalities seem to occur more in the midline of the brain and in subcortical as well as cortical regions. Up to one-third of all individuals carrying the 22q11.2 deletion develop.
Nov 04, 2016 · We aimed to identify abnormalities in the localized connectivity in schizophrenia patients and their relatives by conducting a meta-analysis of regional homogeneity (ReHo) studies. Methods: Fourteen studies on resting-state functional magnetic resonance imaging, with 316 schizophrenia patients, 342 healthy controls, and 66 unaffected relatives.
Psychotic illness has consistently been associated with deficits in cognitive function and reduced white matter integrity in the brain. Clare, L. A meta-analysis of cognitive deficits in adults.
May 19, 2018 · Regional regression analysis (Table 3) showed that the baseline peak volumes at the anterior rMFC (regression coefficient = 0.621, P = 0.022) and posterior rMFC (regression coefficient = 0.924, P = 0.001) were both associated with a larger change in the positive PANSS score.
and albumin ratio' under the heading 'Schizophrenia spectrum disorders': 3) In the section 'CSF cell count, total protein, albumin, and albumin ratio' under the heading 'Affective disorders': "In the.
Seed-based d Mapping. Catani M and Mataix-Cols D. Voxel-based meta-analysis of regional white-matter volume differences in autism spectrum disorder versus healthy controls. Malhotra AK. White matter development in adolescence: diffusion tensor imaging and meta-analytic results. Schizophrenia Bull 2012; 38:1308-1317. Improved atlas:.
Analysis of 16S ribosomal RNA sequencing of gut bacteria also showed changes in bacterial populations as a function of diet. Changes in brain structure were found. and cleaned using a 1x volume of.
Identifying patients at risk of poor outcome after mild traumatic brain injury (MTBI) is essential to aid prognostics and treatment. Diffuse axonal injury (DAI) may be the primary.
Stage 3 Epidemiological Transition There is little research directed at exploring the socio-cultural factors influencing body size perceptions and attitudes between mothers and daughters
One consistent but unspecific phenotype of schizophrenia patients are enlarged ventricles. For example, a recent prospective large-scale meta. independent, brain-wide TBM analysis of tgDISC1 rats.
Majid Kheirollahi, Elahe Kazemi and Saeideh Ashouri, Brain-Derived Neurotrophic Factor Gene Val66Met Polymorphism and Risk of Schizophrenia: A Meta-analysis of Case–Control Studies, Cellular and Molecular Neurobiology, 10.1007/s10571-015-0229-z, 36, 1, (1-10), (2015).
The stress-vulnerability hypothesis in psychotic disorders: Focus on the stress response systems. Woodruff PW, et al.: Meta-analysis of regional brain volumes in schizophrenia. Am J Psychiatry 2000, 157:6–25. Google Scholar. 8. Memory impairment in schizophrenia: a meta-analysis. Am J Psychiatry 1999, 156:1358–1366. PubMed Google.
Download PDF: Sorry, we are unable to provide the full text but you may find it at the following location(s): http://www.scopus.com/inward/r. (external link) https.
This latter result suggests that during evolution, brain size expansion led to functional lateralisation to avoid excessive conduction delays between the hemispheres. Here, we took advantage of.
It has been postulated that schizophrenia (SZ) is related to a lower expression of brain-derived neurotrophic factor (BDNF. well as the effects of antipsychotic drugs on BDNF using meta-analysis.


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Before her weight loss journey, Jayne Bissmire tipped the scales at nearly 19st.
The 33-year-old battled with her weight for years as she gorged on sausage rolls and donuts in secret.
Then after seeing a photo of herself with 90s pop stars, Steps, the secret eater knew it was time to overhaul her diet.
She began experimenting with her food, replacing her favourite high calorie meals with the help of MuscleFood.com.
Jayne said: "I'd always been large, loved food and never found any reason not to eat what I wanted.
"I thought nothing of buying sausage rolls as well as a healthy sandwich for lunch and secretly eating the sausage rolls on the way back to the office.
"My biggest vice was slabs of marzipan and royal icing which I'd buy from a local baker.
"When I was living at home, it'd hide them in my room and cut off big chunks to eat in secret. I can laugh about it now but it's not something I'm proud of."
She added: "It was after the Steps concert that I realised how massive I'd become.
"Myself and two of my best friends travelled to Manchester for a Meet and Greet with the band on their original reunion tour.
"I thought I looked incredible – until the next day when we viewed the photos and my fat was literally eating my ribbon belt. I was mortified.
"I knew I had to do something so downloaded a calorie counting app and began tracking my weight."
Within the first five months, Jayne had lost 2st and then 24 months later she had dropped 8st.
Since making healthier choices, she went from 18st 11lbs to a much trimmer 9st 8lbs.
"MuscleFood.com products have been with me throughout my journey," Jayne explained.
"I love pizza so the high protein pizza means I can enjoy pizza without the calories and guilt."
She concluded: "The rice meal pots are a quick and convenient lunch at work.
"They've allowed me to still have the foods I love.
"I'm just more mindful about what I'm eating and am picking the MuscleFood.com healthier alternatives."


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Category: Latest Project
Willamette Family: Bud's Story
Lochmead Farm Days July 31st-August 1
You and your family are invited to a day on the farm. July 31st and August 1 Lochmead and Dari-MartRead More
South Lane School District: Children's Dental Clinic
When school nurses in Cottage Grove looked at barriers to education one issue that stands out is dental care. InRead More
March 8th 2015 Scleroderma, The Disease no one talks about.
Not many people have heard of Scleroderma. And often times even doctors don't know how to diagnose this illness whichRead More
Recipe For Life
Ingredients Matter
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Aunt Patty's is a brand of products that are natural and help you create something special in the kitchen. ButRead More
March 29th 2015 Colonoscopy:Save Your Butt and your life
The colon is not something many of us are very comfortable talking about. I've had people watch this video andRead More
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April 12th RDTV Jaya w Intro The Boy who Changes Normal.
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Good education is a process that brings about desirable growth in the student - growth that one is able to see from year to year and evaluate. There are various kinds of growths that must take place:
Dear students, as you go through your school year, you should ask yourself whether you are able to see growth in one or more of these areas. To the extent that there is such growth, your education is successful. But, in the measure in which such growth is absent, your education is a failure.
Copyright 2017 All rights reserved by, Sacred Heart Convent School, Barnala
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What Is The Importance of Light?
The importance of light for all living beings and for man in particular is revealed in the simple fact that the entire human organism is prepared to perform correctly during daylight hours. From the ability of our eyes to capture the light to the natural inclination of the brain to direct the rest towards the hours of the night, it is glimpsed that light is a regulator of human activity implicit in our own genes.
From the strictly physical point of view, light is characterized by its dual nature, since it behaves at the same time as an electromagnetic wave (therefore, energy) and as a structure composed of small corpuscles called photons (therefore, matter) . This condition makes it possible to explain a large part of its unique properties, among which the ability of light to be the fastest object in the vacuum stands out, with a displacement capacity of 300,000 kilometers per second.
Among living beings, light represents the energy source par excellence. Its importance is perceived in the ability of vegetables, algae and some microorganisms to convert light energy from the sun into chemical energy. This process is known as photosynthesis and involves the conversion of inorganic molecules (carbon dioxide, water) into organic molecules, such as glucose. Chlorophyll acts as an intermediate molecule for the capture of energy from light.
On the other hand, even the most primitive animals have receptors capable of recognizing and exploiting light. In the more evolved forms of life, increasingly complex eyes are observed; In the particular case of nocturnal animals, the ability to capture light is significantly increased to achieve visualization even in conditions of great darkness.
Likewise, human civilization is recognized in terms of light. The dominance of fire in the beginning of time and the subsequent capacity to produce light from electricity have allowed the expansion of technology and productivity in all cultures.
Therefore, the importance of light exceeds the limits of thought and imagination. It is not only impossible to conceive the activity of man without this form of energy, but it is not viable to define living beings in the absence of light.


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Miu Miu Polka Dot Platform Sandal Review
My review on the Miu Miu polka dot platform sandal.
My review on the Miu Miu polka dot platform sandal.
I was really disappointed in Heidi Klum's shoe choice. I love her dress, I love her shoes; but not together.
Yum! Casadei's Spring 2011 Collection features deliciously candy colored heels.
Charlotte Olympia's Spring 2011 Collection predicts a fun and romantic spring. I love the thick wooden heel and platform featured on many of the designs.
Casadei Spring 2011 Collection is definitely an eclectic mix!
Pierre Hardy's Spring 2011 collection is massive! His collection is one of my favorites for spring 2011. Leighton Meester & Gwyneth Paltrow have already been spotted wearing sandals from this collection.
Looking at Nicholas Kirkwood's Spring 2011 collection is the best early Christmas present. Kirkwood uses fun textures like glitter and satin & a delicate balance of color – nothing too bright or dull.
Christian Louboutin's Resort 2011 Collection is such a fun remix!
Emma Stone, Kristen Stewart and Cheryl Cole have already shown their love for Atwood's fall 2010 collection.
Prada's Spring 2011 RTW runway shoes were all about checkers, stripes and scrolls. Miuccia Prada described the collection as "minimal baroque".


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Eliminations to Arbitration Policies:
It is the buyers responsibility to do their due diligence and research and bid accordingly. There is no arbitration offered for buyers remorse or lack of due diligence on the part of the buyer.
No arbitration will be offered in instances where conditions, noises or maintenance issues are found that are part of or typical to a make or model of car, unless the issue is found to be not normal and extreme. Dealer guarantee guidelines will be used to determine the extent of the issue and whether or not it is considered extreme. We also will not make judgments on normal wear and tear of a vehicle if it's within normal use. We will do routine checks for those things that may need adjustments or could cause safety issues such as but not limited to pads, breaks, tires, gauges, rotors, tubes, seals, belts, shocks, bulbs, filters, controls etc. We also will not offer arbitration for correctly installed towing packages, 5th wheel hitches, plows etc.
Auction Policies:
It is a standard expectation that all vehicles listed have a public VIN number plate on the vehicle in the place where the manufacturer put it. If a plate is not present or it was not disclosed that a plate was moved, it is subject to arbitration. All buyers should inspect the vehicle before they take possession. If anything looks suspicious, off, or you find something that was not disclosed, please notify our arbitration department. Any faults, damage, or repairs needed that were not disclosed, photographed or made known by the seller may subject the sell of the vehicle to arbitration.
Information We Collect From You
Creating a general account- When you register for an account on our site to list or purchase a vehicle and access our services, certain information will be required. We need your name, phone number, email address and you will be required to choose a password to access your created account. Our database will store this information.
Registering for Forms and Events- If you register for events, seminars, webinars, subscribe to our newsletters and other mailing lists, speak to our customer care team through phone or live chats, when you contact us for any other purpose including but not restricted to, providing your information in connection with promotions or coupons we are offering, respond to surveys, participate in contests etc. we may record your address, phone number, email, name or other pertinent information.
Payment processing- If you are purchasing a vehicle through us and made a deposit, we will require you provide your name, contact information, credit card information (all credit card information including expiry date, cardholder, type of card, last 4 digits of the card will be stored, but the actual credit card number will not be) or account information, address and this information may be stored. We may require a copy of your driver's license or other forms of I.D. We will also obtain your IP address. All of this information is important to gather to try and prevent fraudulent activity or transactions and to ensure the person using the credit card or account is the account holder. Payment providers and merchant accounts will also collect his information to process the payment. We take security and privacy seriously and will not share this information with any third parties other than those who are processing the transaction.
When you purchase a vehicle we will require your contact information, name, address, and government issued identification. We are required to collect this information to provide you with vehicle title documentation, a bill of save and to complete the order.
If you are choosing to make an offer, place a bid or use the buy now feature on our site we will collect information about your offer, buying behavior and bids; that information can be used by our business partners and subsidiaries and affiliates. Any information you include on the contact us page or any other form where you contact our organization for general inquiries or support can be collected. We may analyze your interactions with us including emails, chat conversations, phone conversations in an effort to better streamline our services and support.
Information We Collect Automatically From You
Our servers automatically collect information when you visit our site as a non-registered or registered user. Web browsers, mobile devices and servers make certain information available like IP address, Internet Protocol, browser software version, browser type, language preferences, the webpage URL of the site you were on that referred you to our site, time and date of access, mobile device manufacturer, time spent on page, browsing activity, mobile network, operating system and other related statistical information. We want to understand more about our visitors and include this information in our log files. It's possible that we will use this information in conjunction with other third parties that collect and analyze this information for the purpose of increasing the functionality and ease of use for our site and in some cases to detect fraudulent or suspicious activities. Each of these third parties also have privacy policies that will address how they use the information gathered.
Information from Tracking Technologies and Cookies – We want to enhance our user experience and identify the users of our services so we use permanent and temporary cookies. We use other similar technologies like scripts, beacons, tags and coolies to gather demographic information about users and visitors, track website navigation, and understand targeted email campaigns for the purposes of retargeting visitors and user engagement. We also use Google Analytics, which is anonymous for statistical purposes and to deliver functionality. We also use first-party Local Storage Objects, also known as LSO's like HTML5 to store preferences and content information to provide certain features that we feel are important and enhance the user experience.
Information We Collect From Third Parties
Login using Federated Authentication Service Providers – In the event that you want to log into our site using a third party authentication services provider like Google, Twitter, LinkedIn, or Facebook they will share certain personal information with us like email address and name.
Referrals – There are cases where someone has referred another person to our products and services. They may have provided your name, email address or other information. Any information we collect through referrals will only be used for the specific reason for which it was provided to us. If you want to remove your name or other information from our database, please contact us
Information from Social Media Sites and other Publicly Available Sources – We may collect publically available information from social media sites like Instagram, Google+, Facebook or Twitter when you engage with us on these platforms. We may use information like profile information to improve our products and services and engage with our users. Once we have the information, even if you delete it from the social media platform, we may still have it.
Purposes for Using Your Information
In addition to some of the purposes already listed we may also use your information for the following purposes:
Collecting and Using Your Information and the Legal Basis
In most areas we rely on consent as the legal basis. At any time, you are free to withdraw your consent. Please note however that withdrawing consent will not apply to any process that has already taken place. If you are from the European Economic Area (EEA) then our legal basis for collecting information depends on the nature of the information collected and the context under which we collected it. Data protection interests or your consent does not override the collection of information for legitimate reasons or contractual necessity. Sometimes we are legally required to collect your information to protect vital interests of you or another person. If anything changes or has not been detailed above then we will always clearly explain to you why we need to collect your information to protect legitimate interests and what those interests are.
Your Choice to Opt Out
At any point, you can disable browser cooking before visiting our site. Just know that doing so can make it difficult to see the website property and some features may not be available. You may also opt out of any non-essential messages or newsletters by using the "unsubscribe" function that is included with all messages. You will still receive essential and important transactional emails even if you "unsubscribe". You also do not need to provide any additional profile information if you don't want to.
Sharing of Your Information
We do not share, rent or sell your information to any third party organizations that have not been previously disclosed and explained. Any third party or employee, or independent contractor that has access to your information adopt security measures and appropriate confidentiality measures. Any information used is only used in accordance with providing your services to you and is only shared on a need to know basis.
Your Rights to Information We Hold About You
You have certain rights to your information and what can be done with your information. You can access and obtain a copy of the information we have about you included the purpose of the processing, the information's source, the intended length of time the information will be stored (or at the very least the criteria that is used to determine the length of time, if a specified length of time cannot be given), the people with whom the information has been shared. You can update or supplement the information we have about you at any time and you can rectify any inaccuracies. You can request that we delete the information we have about you in some circumstances (assuming it is not legally necessary for transactions etc.), or if the information is no longer required. You can request that we transfer your information to a third party with your consent. You can object to the use of your information in certain situations like forbidding your information be shared with third parties who are not service providers and are not in a need to know position or are not acting as agents on our behalf to perform tasks under our instructions. You also have a right to complain to appropriate authorities if you have issue with the way we collect, share or use your information. You may not have that right if you are in a country where you don't have appropriate supervisory authorities that deal with data protection.
Retention of Information
We will retain your information for as long as it is required for the purposes stated in this Privacy Policy. At our discretion we may retain your information longer than is required or permitted by law to prevent abuse, use in a legal proceeding, maintain suppression lists, enforce our agreements, for legal or tax purposes or to comply with other legal obligations. We are not in the position to hold onto information just for the sake of holding on to it. We will hold onto information at our discretion and for reasonable and reputable reasons
Be advised that we do use cookies to collect information. We use this information to do internal research on the behavior and demographics of our users to better protect, serve and understand our community. We will use cookies to save login passwords and ID's for future logins to our website and to track compliance with our policies. We also use cookies to enable certain features on our website and to monitor users, web traffic routing, and to understand how our users are interacting with our website. The session cookies are deleted from your computer when you log off and if you want to, you can change options on your browser to stop accepting session cookies or to prompt you to accept the cookies before you browse. As stated above, not accepting session cookies may change the display and functionality of the website.
Disclosure of Information to Law Enforcement
We fully cooperate with law enforcement inquiries. We also fully cooperate with other agencies to enforce laws to help protect not only us but also all users from illegal and unscrupulous activities. We will cooperate with all lawful request from law enforcement and government officials in regards to a criminal investigation. We will turn over all applicable information with or without a subpoena at our discretion when we believe in good faith that the information provided will either prevent imminent physical harm, prevent fraud, will help in the investigation of criminal activity, will enforce our agreements and policies, will protect the safety of our users or will help prevent illegal activity. We can not ensure that all of your private communications or other personal information will not have to be shared with law enforcement or other government or third parties when unforeseen circumstances arise. We hold it as our right to work in cooperation under our discretion for the good of our users or ourselves.
Children's Personal Information
The Children's Online Privacy Protection Act was passed to give parents increased control over what information is collected from their children online and how such information is used. We don't have any services or products that are directed to children or any persons under the age of 16. We do not collect personal information about children under the age of 16 (at least knowingly). Obviously if we become aware of a situation where we have collected information about someone under the age of 16 then we will take swift and thorough steps to delete all information. Please contact us if you feel like someone under the age of 16 has had their information collected. We will take the appropriate steps to rectify the situation.
Location and International Transfers
If we collect your information, we may share it with our affiliates and subsidiaries. Buy using our services or products you agree to the transfer, storage, and processing of your information both within the United States and within other countries where we may operate.


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Mourjan Marinas' Almouj Marina, a beautiful Middle East yacht rental destination, has teamed up with Sultan Qaboos University for a unique nanotechnology-based solution to prevent biofouling. ... read full story
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Partnership of Almouj Marina and Sultan Qaboos University
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Growth of marine industry in Middle East
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Wayne Shepherd, General Manager of the Dubai-based Mourjan Marinas, has announced an increased interest in waterfront developments across the fantastic Middle East yacht charter location. He says a pragmatic approach is the key to meeting marina development market demands. ... read full story
The Wave, Muscat's Almouj Marina announces the region's first installation of oyster long-lines
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Almouj Marina, a premier superyacht marina facility and The Wave, Muscat's flagship yachting destination, has proudly unveiled a pioneering eco experiment - the region's first installation of oyster long-lines. ... read full story
Qatar International Boat Show 2014, November 11 – 15
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This year's Qatar International Boat Show will be held from November 11 to 15, hosting four new shipyards exhibiting for the first time. These include Palmer Johnson, Blohm & Voss, Esen Yacht and Amer Yachts. ... read full story
Mourjan Marinas' General Manager Wayne Shepherd discusses the significance of client experience in the growth of the marina luxury lifestyle destination
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Mourjan Marinas celebrates success of 'Mourjan Moments' initiative across the GCC ... read full story
Top tips on yacht preparations for new season from managers of Mourjan Marinas' Gulf facilities
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Managers of Mourjan Marinas' Lusail Marina and Almouj Marina have provided their top tips on yacht preparations for the new season. ... read full story
Oman's first leisure marine show hosted by Almouj Marina
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Taken place over the last weekend, Oman's first leisure marine show was hosted by the prestigious Almouj Marina, managed by Mourjan Marinas and able to accommodate yachts of up to 45 metres in length. ... read full story
Another milestone for Mourjan Marinas' 'Floating Mangroves' project
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The new milestone has been achieved in the pioneering experiment, called 'Floating Mangroves', run by Mourjan Marinas, Lusail City and UNESCO. ... read full story
International Clean Marina accreditation for Mourjan Marinas' Lusail Marina and Almouj Marina
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Both operated by Mourjan Marinas, Lusail Marina in Doha, Qatar as well as Almouj Marina in Muscat, Oman have been recently awarded with the International Clean Marina accreditation. ... read full story
New website launched by Mourjan Marinas-operated Almouj Marina
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Positioned in Oman, Mourjan Marinas-operated Almouj Marina has proudly launched its newly redesigned website. The superyacht marina will offer special 30 per cent discount on transient berthing at this week's Dubai International Boat Show. ... read full story


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Former chief minister N Kiran Kumar Reddy has been in the political wilderness ever since the Lok Sabha and Assembly elections in Andhra Pradesh and Telangana. Candidates of his Jai Samaikyandhra Party, which he had floated after resigning as CM of Andhra and from the Congress, lost deposits everywhere. He has been trying hard to make a political comeback and mulling joining the BJP and has been meeting local BJP leaders. But there has not been much headway so far. However, there seems to be some light at the end of the tunnel as one gets to hear that the BJP's Andhra leadership is preparing to broach the topic of his entry with the party's central leaders in the coming days.
THE black money probe is set to get a boost with K V Chowdary, the outgoing chairman of the Central Board of Direct Taxes, being asked to assist the Special Investigating Team (SIT). Chowdary retires this month-end and orders for appointing him as Adviser in the Department of Revenue (DoR) have been issued. The advantage is that the HSBC cases, for instance, were investigated by Chowdary in Delhi when he was Director General (Investigations) and all documentation and lists were handed over to the SIT under his watch as CBDT Chairman.
THE New Delhi-based think tank, Vivekananada International Foundation, made its debut splash in the strategic affairs circuit on Thursday, with British Defence Secretary Michael Fallon delivering a lecture. This is the first high-profile event hosted by the VIF since the Narendra Modi government came to power. VIF has sent some of its top functionaries and experts like Ajit K Doval, Nripendra Mishra and A Surya Prakash to the Modi government, and has gained heft.
THE BJP has made its first political appointment in the Ministry of External Affairs. Lokesh Chandra, an 87-year-old scholar who has been a Rajya Sabha member twice, has been named as the next president of the Indian Council for Cultural Relations (ICCR). Chandra, who has earlier served as the head of Indian Council for Historical Research and was Rajya Sabha member between 1974 and 1986, will take over from Karan Singh. Interestingly, Chandra knows 15 languages, including Hindi, Sanskrit, Pali, Avesta, Old Persian, Japanese, Mandarin, Tibetan, Mongolian, Indonesian, Greek, Latin, German, French and Russian.


text: If you are like most of us you are sick of Politicians and Banking exes manipulating the financial system. They are creating a foolish game of card houses and when it all comes to a screeching halt we are the ones who are is going to suffer… unless you do like I did. If you believe you are defenseless against the future trouble… you should think again. I have discovered a loop hole that could defend my retirement savings


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It's like another world.
We don't even know what's in here.I can't gaurantee your safety.
The saga of a cellular remotely controlled car. The build, and the eventual adventures.Lemme See It
Stop the big squid thing, or just hack your way into the halls of stupidity. We don't care. Knock yourself out.Beam Down


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Classic concept that is repeated in all our collections; life is to live without reservations, without complexes and without anything to hide #nothingtohide
100% Organic Cotton
Pep measures 1,84 and wears size M
Organic cotton facilitates the future recycling of the product.
Organic certificate by GOTS.
Zero use of harmful material.
Protects the farmers with healthy soils for future generations.
Uses 70% less water.
Reduces the carbon footprint by 22% compared to conventional cotton.