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Privacy Policy
At Lex Sportel Vision Private Limited ("Company"/ "We"/ "Us"), we respect and are committed towards protecting your privacy. Publishing, selling or renting any personal data or information to any third party, without your consent, is against our ethics.
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We use data collection devices such as "cookies" on certain pages of the Website to help analyze our web page flow, measure promotional effectiveness, and promote trust and safety. "Cookies" are small files placed on your hard drive that assist us in providing our services Cookies can also. We offer certain features that are only available through the use of a "cookie". Cookies help us provide information that is targeted to your interests. You are always free to decline our cookies if your browser permits, although in that case, you may not be able to use certain features on the Website.
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We may offer you the ability for you to connect with our sites, or use our applications, services, and tools using a mobile device, either through a mobile application or via a mobile-optimized website. The provisions of this Privacy Policy apply to all such mobile access and use of mobile devices. This Privacy Policy will be referenced by all such as mobile applications or mobile optimized websites.
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April 2015 '15' registered Vauxhall Meriva 1.4T SE Automatic finished in Sovereign silver.
Only 20,000 miles by 2 owners with service history, having previously been supplied by ourselves. Specification includes power steering, power windows & mirror, heated mirrors, remote central locking, alarm, radio c/d, aux, steering mounted audio controls, air conditioning, cruise control & speed limiter, automatic headlight & wiper activation, auto dimming rear view mirror, multi function trip computer, centre sliding armrest, panoramic glass sunroof with power operated sunblind, multiple airbags, anti lock brakes, brake assist, electronic brake distribution, cornering brake control, traction control stability control, tyre pressure monitor, hill start assist, colour coded bumpers & mouldings, front & rear parking sensors, privacy glass, daytime running lights, front foglights & 17" alloy wheels.
Clwydian are a credit broker and not a lender. We are Authorised and Regulated by the Financial Conduct Authority. FCA No: Finance is Subject to status. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase.
Registered Office: Rhyl Road, Denbigh, Denbighshire , LL16 5TH

subset: commoncrawl


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sustAGE: Smart environments for person-centered sustainable work and well-being (#826506) EU Horizon 2020 Research & Innovation Action (RIA)
Runtime: 36 months
Role: Workpackage Leader, Co-Author Proposal
Partners: Foundation for Research and Technology Hellas, Centro Ricerche Fiat SCPA, Software AG, Imaginary SRL, Forschungsgesellschaft für Arbeitsphysiologie und Arbeitsschutz e.V., Heraklion Port Authority S.A., Aegis IT Research UG, University of Augsburg, Aristotelio Panepistimio Thessalonikis, Universidad Nacional de Educacion a Distancia
Description: sustAGE aims to develop a person-centered solution for promoting the concept of "sustainable work" for EU industries. The project provides a paradigm shift in human machine interaction, building upon seven strategic technology trends, IoT, Machine learning, micro-moments, temporal reasoning, recommender systems, data analytics and gamification to deliver a composite system integrated with the daily activities at work and outside, to support employers and ageing employees to jointly increase well-being, wellness at work and productivity. The manifold contribution focuses on the support of the employment and later retirement of older adults from work and the optimization of the workforce management. The sustAGE platform guides workers on work-related tasks, recommends personalized cognitive and physical training activities with emphasis on game and social aspects, delivers warnings regarding occupational risks and cares for their proper positioning in work tasks that will maximize team performance. By combining a broad range of the innovation chain activities namely, technology R&D, demonstration, prototyping, pilots, and extensive validation, the project aims to explore how health and safety at work, continuous training and proper workforce management can prolongue older workers' competitiveness at work. The deployment of the proposed technologies in two critical industrial sectors and their extensive evaluation will lead to a ground-breaking contribution that will improve the performance and quality of life at work and beyond for many ageing adult workers.
TAPAS: Training network on Automatic Processing of PAthological Speech (#766287) EU H2020 Marie Sklodowska-Curie Innovative Training Networks European Training Networks (MSCA-ITN-ETN:ENG)
Runtime: 01.11.2017 – 31.10.2021
Role: Co-Author Proposal
Partners: IDIAP, Université Paul Sabatier Toulouse III, Universitair Ziekenhuis Antwerpen, FAU Erlangen-Nürnberg, Stichting Katholieke Universiteit, INESC ID, LMU Munich, Interuniersitair Micro-Electronicacentrum IMEC, Stichting het Nederlands Kanker Instituutantoni van Leeuwenhoek Ziekenhuis, Augsburg University, University of Sheffield, audEERING GmbH.
Description: There are an increasing number of people across Europe with debilitating speech pathologies (e.g., due to stroke, Parkinson's, etc). These groups face communication problems that can lead to social exclusion. They are now being further marginalised by a new wave of speech technology that is increasingly woven into everyday life but which is not robust to atypical speech. TAPAS is proposing a programme of pathological speech research, that aims to transform the well-being of these people. The TAPAS work programme targets three key research problems: (a) Detection: We will develop speech processing techniques for early detection of conditions that impact on speech production. The outcomes will be cheap and non-invasive diagnostic tools that provide early warning of the onset of progressive conditions such as Alzheimer's and Parkinson's. (b) Therapy: We will use newly-emerging speech processing techniques to produce automated speech therapy tools. These tools will make therapy more accessible and more individually targeted. Better therapy can increase the chances of recovering intelligible speech after traumatic events such a stroke or oral surgery. (c) Assisted Living: We will re-design current speech technology so that it works well for people with speech impairments and also helps in making informed clinical choices. People with speech impairments often have other co-occurring conditions making them reliant on carers. Speech-driven tools for assisted-living are a way to allow such people to live more independently. TAPAS adopts an inter-disciplinary and multi-sectorial approach. The consortium includes clinical practitioners, academic researchers and industrial partners, with expertise spanning speech engineering, linguistics and clinical science. All members have expertise in some element of pathological speech. This rich network will train a new generation of 15 researchers, equipping them with the skills and resources necessary for lasting success.


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1 The Sands, Ballybunion, Co. Kerry
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€230,000End of Terrace House
3 Bedrooms, 3 Bathrooms, End of Terrace House
Contact Name: MJ Caffrey
GL Auctioneers
PSR Licence Number: 002610Email Agent Show Number
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Key Features3 bed end of terrace located within a superb modern, well built complex in a courtyard setting.
There is oil fired central heating & double glazed windows installed in this property.
Elegant Architectural Design.
Walking distance to village, beach, church etc.
Located in the picturesque seaside village of Ballybunion.
Viewing comes highly recommended & strictly by appointment only.
More pictures to follow.
Property Description
SPECIAL FEATURES: Elegant Architectural Design. PVC Double Glazed Windows. Internal & External painting complete throughout. Secure Parking Close to Village Centre. Oil Central Heating. Superior Quality Kitchen. Custom Fireplace.
Accommodation is as follows:
Entrance hall, guest toilet & whb. Utility under stairs.
Large open plan kitchen / dining / living area with all fittings, feature fireplace in living section, patio door leading to rear garden.
On the first floor there are 3 bedrooms, 2 of which are double & 1 single room. There is an en suite off the master bedroom.
Main bathroom with all usual fittings.
BER Details
Energy Performance Indicator: 0.00 kWh/m2/yr
This property was last updated: 5 days ago


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Carnival of the Animals
July 1-3 | 9 AM - 4:30 PM (3 days, Monday-Wednesday)
The classic musical adventure inspires creativity and exploration in this shortened camp week. Poetry, Music, Art Projects and Creative Movement all combine to celebrate amazing animals of our world.
$150 ($140 Members)
Early Bird Discount if registering before May 1, 2019: Apply the discount code CEB19 to receive $10 off


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Towards a more robust digital economy
The mass usage of digital accessories has changed the way business is conducted. Seamless electronic transmission of money and financial intermediation assume greater significance.
With the thrust on application of Information, communication and technology (ICT) in commercial space and internet of things (IOT) transcending the lifestyle of every section of the community, the size of digital economy is well poised to reach US $ 1 Trillion by 2025. Policy initiatives have been well calibrated to accelerate digitisation under 'Digital India' policy campaign across geographies. The baseline digital infrastructure is made up of over a billion mobiles and around 450 million internet connections. In terms of average internet speed, India is ranked 89th in global ranking with an average speed of 6.5 mbps. Such penetration of connectivity catapults digitisation to a new height. Already 83 per cent of rural population access web through mobiles and it is expected that mobiles could hit the mark of 1.2 billion by 2017 end.
With a policy of net neutrality permeating the economy, digital access and online connectivity will be within common reach. The mass usage of digital accessories has changed the way business is conducted where seamless electronic transmission of money and financial intermediation assumes greater significance. The end state of every commercial/personal transaction begins and ends with transfer of funds. Hence, infrastructure for settlement of transactions through digital mode can ramp up digital capability.
Digital payment system
Digital banking is revolutionising even rural markets with wider acceptability of debit/credit/prepaid cards by even small/micro-merchant establishments. Reach of digital banking picked up new pace after demonetisation due to cash crunch. The cultural shift towards digital payments may slow down after re-monetisation but is expected to sustain in long term as a matter of convenience and habit. The noncash transactions through electronic mode has become the new normal with neighborhood shops readily accepting cards. Merchant Establishments (MEs) are provided electronic swipe machines by acquiring banks. Such enlisted MEs have to pay a fee to the banks for the incremental business that they get from card holders. It is only in July 2012 that Merchant Discount Rates (MDR) has been reduced for debit card to 0.75 per cent for transactions of up to Rs.2000 and at one per cent for over Rs.2000.
But in a strategic move, government has decided to compensate banks towards MDR for electronic transactions of up to Rs.2000 from January 1, 2018 for next two years. This will make card payments of up to Rs.2000 free to enable micro member establishments to readily accept electronic payment mode in a big way. This initiative is intended for digital push in payment space in hinterland.
Rising Digital infrastructure
There has been substantial growth in electronic payment infrastructure, more so after demonetisation. The data of October 2017 indicates that the number of ATMs have reached 206793 while the number of bank branches stands at 136000. The Point of Sale (POS) terminals have scaled up to 3 million that reach far and wide in commercial establishments to enable acceptance of card payments. Contactless cards based on Near Field Communication (NFC) has also entered the payment space. It also stretched to hinterland with banking correspondents working as rural touch points as part of financial inclusion. The number of credit cards are 34 million and debit cards work out to 826 million. The Rupay cards are increasingly issued by banks supported by National Payment Corporation of India (NPCI) that are becoming more popular while Visa international and Mastercard continue to rule the payment system. The exponential growth in payment network has transformed the digital payment space. Freeing the transactions up to Rs.2000 which will cover most of the retail payments will further add to the density of usage.
Safety of payment system
While banks have developed robust protection to electronic payment system with spill-proof fire walls and dual authentication, yet providing safety is a collaborative function. The customers, vendors, merchant establishments and banks have to work together to keep fraudsters at bay. The cyberspace is always vulnerable but unless the identity system is compromised, the chances of breach are rare. The customers using the payment network at shops and online payment systems have to be sensitive towards likely risks. The look alike websites technically known as spoofing has to be cautiously avoided and telephonic enquiries on login id and password should never be responded. The SMS services of banks should be subscribed even if it is priced. RBI has made it clear that genuine customers will be protected against loss of funds on account of cyber frauds if the incident is reported within three days. Customers should always check their transactions and remain alert towards SMS messages originating from banks. They need to be an aggressive partner in quickly identifying any lapse in cyber security.
The way forward
With enhanced thrust on digitisation, banks, and other financial intermediaries have to constantly work towards providing safe payment infrastructure and impart digital literacy to customers. When the economy is driven towards more digitisation, the various stake holders in the payment space have to better collaborate and protect cyber space by roping in social network and NGOs. The policy initiatives are specifically designed to expand formal economy through digital integration. It is up to intermediaries to ensure that payment gateways are kept protected and users are made aware of intricacies of using electronic mode. With better internet connectivity and speed, electronic payment mechanism will be a better experience provided the users proactively guard themselves. If all stakeholders in cyber space work in cohesion, the aspiration of moving towards a more robust digital economy can be realised. Looking at the prospects, the year 2018 can witness substantial synergy in digital space for the policy initiatives embedded in the economy. In this league, doing away with MDR can prove to be a game changer and a winning streak in furthering digitisation.
(The author is Director, National Institute of Banking studies and Corporate Management. The views expressed are strictly personal)
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The document does not really live up to its billing as a "strategy" i.e. a high-level plan of action. A lot of the proposed "What can we influence " and "What do we want to do about it" are somewhat weak and woolly, being largely statements of laudable aspiration but without much specific substance. The sections get weaker as the document progresses e.g. no specifics are given for "addressing poverty" and there's a lot of "want to develop" without a hint of the costs or organisational implications.
The document does not baseline the current Council provision on public health; it doesn't indicate the current resources/financial expenditure and it doesn't indicate the future expenditure/possible cuts to resources. Initiatives such as the "Start Well Program" are quoted without describing these to the non-cognoscenti, similarly use of jargon like "foundation stage".
Section 7.2 focuses on the individual; the "whole systems approach" somehow fails to consider the wider context e.g. healthy eating is not so easy when the only affordable locally available food is pre-packaged and you don't have the transport to get to a bigger shopping centre or supermarket. Similarly keeping fit is not helped by reductions in playing field availability and the reduced accessibility of leisure facilities due to funding cuts.
Section 7.3 does not consider the impact of school testing and exam pressures on children's' mental health, pressures that have massively increased over the last couple of decades.
Section 8.1: is this talking about Council and/or NHS employees, or working with WMCA on a wider "Thrive At Work" project for companies in the Birmingham area? It's just not clear.
Section 8.2 lists a series of initiatives which are offered but doesn't say if they are Council initiatives or other organisations' initiatives. If so, it's not clear what's going to happen next. Column headed "What we want to achieve " is so vague as to be meaningless.
Section 8.3 asserts that the council can reduce the stigma around metal health – how?
Section 9.1 advocates the co-production model which is now seriously being critiqued across the City – "empowerment" is too often a euphemism for "you're on your own, do it yourself". There's no quantification of numbers and what resource would be needed to tackle social isolation. Social isolation should be a factor to be assessed when council and NHS authorities are considering closing local facilities and moving services to more consolidated "hubs" – these may have advantages in some ways but the distances for people without transport tend to be glossed over.
Ditto Section 9.2 – if truly local facilities are closed where will the locally available advice and signposting be found?
9.3 sounds like some sort of audit of community assets might take place but it is so vague and inconclusive, with mention of unspecified partner agencies and a hippy-dippy faith in "local communities".
9.4 is the weakest vaguest section of the lot with no quantification at all.
Section 10 talks about working with partners but doesn't identity the partners in most cases.
Section 10.2 says that planning decisions should consider impact assessments – yes, most certainly!
In Section 10.3 the Council doesn't identify where it has a role or influence. If there is an unstated reference to health visitors, then there is general agreement across Birmingham that these services are being cut to the bone at present.
Section 11 hopes the Commonwealth Games can be influenced to leave a legacy of improved public health: a worthy aim but mega sports events do not have a good track record on this.
Those proposing to use profiling tools (7.3 struggling families and 9.4 vulnerable adults) should be vigilant against inbuilt cultural bias, which has been clearly identified in police profiling.


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Sandler, Adam.
Hotel Transylvania. 1 & 2 [videorecording] / Columbia Pictures presents a Sony Pictures Animation film ; producer, Michelle Murdocca ; screenplay, Peter Baynham, Robert Smigel ; director, Genndy Tartakovsky. Hotel Transylvania 2 / Columbi Pictures presents in association with LStar Capital a Sony Pictures Animation film ; screenplay by Robert Smigel & Adam Sandler ; director, Genndy Tartakovsky.
Publication Info.
Culver City, CA : Sony Pictures Home Entertainment, [2017]
Call No.
OPAC Message
Parsons DVD Fiction
DVD Hotel Transylvania 1&2
Inventory in Progress
Widescreen edition.
1 videodisc (180 min.) : sound, color ; 4 3/4 in.
tdi rdacontent
v rdamedia
vd rdacarrier
Hotel Transylvania Series ; 1, 2
Hotel Transylvania Series ; 1, 2.
"2-movie Drac pack".
Hotel Transylvania: voices of Adam Sandler, Steve Buscemi, David Spade, Fran Drescher, Jon Lovitz, Molly Shannon, Kevin James, Cee Lo Green, Andy Samberg, Chris Parnell, Selena Gomez.
Hotel Transylvania 2: voices of Adam Sandler, Andy Samberg, Selena Gomez, Kevin James, David Spade, Fran Drescher, Molly Shannon, Megan Mullally, Dana Carvey, Mel Brooks.
The Hotel Transylvania, run by Dracula, is a unique, high-end resort catering only to the finest monsters and their families. Dracula is preparing for an extra special weekend - his daughter Mavis's 118th birthday - when trouble arises: a human has stumbled upon the resort for the first time ever! Even worse: the human has taken a liking to Mavis!.
Hotel Transylvania 2: Everything seems to be changing for the better at Hotel Transylvania. Dracula's rigid monster-only hotel policy has finally relaxed, opening up its doors to human guests. But behind closed coffins, Drac is worried that his adorable half-human, half-vampire grandson, Dennis, isn't showing signs of being a vampire.
MPAA rating: PG; for some rude humor, action and scary images CHV rating: G.
System Details
DVD, anamorphic widescreen 1.85:1. English 5.1 Dolby Digital, Region 1.
English, with English subtitles; subtitled for the deaf and hard of hearing.
Grandparent and child -- Drama.
Fathers and daughters -- Drama.
Hotels -- Drama.
Vampires -- Drama.
Animated films.
Monsters -- Juvenile films.
Dracula, Count (Fictitious character) -- Juvenile Drama.
Comedy films.
Children's films.
Fiction films.
Computer animation films. .
Vampire films.
Feature Films.
Fantasy -- Drama.
Added Author
Tartakovsky, Genndy., 1970- director.
Samberg, Andy., voice actor.
Gomez, Selena., actor.
Mothersbaugh, Mark., composer (expression.)
Smigel, Robert., producer.
Baynham, Peter., screenwriter.
Murdocca, Michelle., producer.
Spade, David., voice actor.
Drescher, Fran., voice actor.
Shannon, Molly., voice actor.
James, Kevin., 1965- voice actor.
Buscemi, Steve., voice actor.
Lovitz, Jon., voice actor.
Cee-Lo., voice actor.
Parnell, Chris.
Mullally, Megan., voice actor.
Carvey, Dana., voice actor.
Brooks, Mel., 1926- voice actor.
Columbia Pictures Corporation., production company.
Sony Pictures Animation (Firm)., production company.
LStar Capital (Firm)., production company.
Sony Pictures Home Entertainment (Firm).
Added Title
Hotel Transylvania 1.
Hotel Transylvania 2.
Hotel Transylvania (Motion picture.)
Hotel Transylvania 2 (Motion picture) [Two-dimensional moving image.] French.
Hotel Transylvania 2 (Motion picture) [Two-dimensional moving image.] Spanish.
Standard No.
Available items only


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Volume Extensions are the newest lash trend to take the world by storm. Originating in Russia, it has spread across the world rapidly and is in high demand from women wanting fuller, thicker, volume eyelashes.
Up until volume lashing arrived you could only slight thicken the natural lashes and add length. Volume lashes are amazing for sparse lashes and can exaggerate and correct such issues as spacing, gaps and damage.
Volume lashing offers you the tools to make natural lash corrections and better design an overall look and shape in order to enhance your client's natural beauty.
Being able to offer volume in addition to classic will place you in high demand. In addition to increased retention, volume lashing is highly lucrative.
• Volume lashes are one of the fastest growing and most profitable services in the industry.
• Your profit and client list increase substantially with volume versus classic.
• Volume Lashing allows you to become an artist in the areas of lash styling and correction.
• The focus in this class is on applying volume lashes safely and correctly.
• You will receive in-depth theory, including health and safety, infection control, adhesive allergies and more.
• Small class sizes ensure you get individualized attention and guidance.
• We only certify licensed professionals in order to protect our industry.
Ongoing Support from educator Charlene Nutter and Lash Inc Academy online.


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In the 26 years since my car accident I have travelled a long road of self-development. Spinal cord injury has a way of forcing you to travel that path, sometimes whether you're ready for it or not! I have finally come to the realisation that the more I am able to let go of fear, assumptions, pre-conceived ideas or basically for a better word 'baggage' the more I feel secure and safe in who I am. By letting go I have come closer to the authentic me and it is when I am authentic that I feel the safest and most at peace. This is when I am most courageous to take on the world and follow my dreams.
This process has taken time and a desire to constantly try to understand why I do the things I do. I remember the early days when my injury required me to be in control of how I manage my day-to-day. The lack of consistent accessibility around Sydney back in 1990 meant that every outing had to be planned and organised and all possible outcomes catered for. Partly because of need but mostly due to fear. Fear of the unknown and the unexpected, fear of what ifs?
It makes me smile today to realise that it is the unknown and the unexpected that actually inspires and drives me to go these days. To put myself in uncomfortable positions consciously and knowing I can swim at the deep end. To go out there, find the challenges and face them head on with an inner knowing that I will be fine at the other end. I survived a near death experience and I am still here to talk about it… there must be a bigger reason for all of this to happen!
(Photo: Day Spa onboard The Rhapsody of the Seas, cruising Australia and South Pacific, December 2013)
Immediately post injury it was all about re-defining who I am now. Not that I really had established a life with a definite path at the age of 18 but even my Year 12 yearbook aspirations of working in hotel management, moving between multinationals and satisfying my passion for travelling the world all had to be re-evaluated once I was told I would never walk again.
The person looking at me in the mirror now wasn't who I remembered. 'Who am I now?' I wasn't the ex-high school student going on to uni to study and carve out the career I had planned for myself. I certainly wasn't the high school teen back at school. I didn't belong back there although that is where I still identified myself and felt most connected to.
The reality of not being able to do the things I had dreamed of in the way I originally thought they would be done was confronting. It was a period of being in limbo and wondering where to from here. Today I realise that this was when I was put on the road of 'letting go'. Bit by bit I had to let go of the old and accept the new and once accepted then letting go again continuously, to peel the onion and get to the real authentic core of me deep down. I'm still on this journey I don't think it ever ends.
I was letting go along the way but I was also reinforcing some of those walls that were always there and now needed to be overcome in a new way. Where I used to think it was safe to hide behind the emotional barriers that I built up over the years, it is moments and people in my life that have challenged me and made me focus. To sit within that fear and just endure the discomfort always knowing that it will work out in the end.
I don't know why I have always believed that it would work out in the end. I guess my positive disposition has helped but also having a deep connection to a higher source. I am not religious in the traditional sense by any means but I do think my faith has deepened since my injury. I turned inwards when I didn't think I belonged anywhere. Some days I still don't think I fit in any particular box, the difference today is that I see this as being unique and inspiring instead of embarrassing and confusing. I am owning my individuality with pride these days. Let's face it I wouldn't be sharing with you all if I wasn't!
My journey of letting go has entailed many workshops, forums, books and speeches about self-discovery and motivation to be my authentic self. I have craved wanting to understand myself and how I fit in to this world. How my errors and successes have defined me and given me the life skills I have today. My 40s have made me realise that the safest place to be is out in the open, with nothing to hide and being true to myself. It is only by letting go of control that you ultimately gain a grip on your life because this is where the safe place is to be who you truly are. The mirror is reflecting the true me and now there are a lot less barriers to hide behind.


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Joey Rogers needed a new logo design and created a contest on 99designs.
A winner was selected from 345 designs submitted by 91 freelance designers.
This may seem a little strange, but I am wanting a logo for a fictitious company that I use in examples and demos. This company is a very large, technology company focusing on Information technologies, software development, and government contracts. Think of it as a Microsoft or Google type company. It would be an older company too, so it might be more like Microsoft or IBM. It would produce consumer products, but would also have high dollar government contracts.
I'd like to explore the following colors:
Blues: Knowledge, trust, calm and honesty.
Let designers make suggestions:
Reds: Energy, action, passion and love.
The name of the company is GegoDyne. Gego is the next possible name for data sizes: From smallest to largest, you would have: Kilo, Mega, Giga, Tera, Peta Exa, Zetta, Yotta, Bronto, Gego. You could have a Megabyte, a Gigabyte, all the way to Gegobyte. Mega is 10^6 (1 followed by 6 zeros), while Gego is 10^30 (1 with 30 zeros after it). Dyne can mean force or power and is derived from the Greek word Dynamis meaning "the state of that which is not yet fully realized."
Find out how a design contest works or learn more about our logo design services.


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Samsung TV Configurator
I was tasked to design the TV configurator on Samsung.com based off Samsung's phone configurator. This encompasses both UI style changes and interaction changes. I also updated the user flows to stream line the TV decision process for our customers.
Before Designing
With analytic data collected from one of our user researchers, we looked at what our business goals were as well as what users generally needed to make a comfortable decision on purchasing a TV. This included accounting for different flow combinations (excel) as business to ensure the results for the user would suffice. Once we felt like we had a solid understanding of our users, we began to create the new flows and UI.
User Flow & Analytics
Once a customer entered the configurator the challenge was to understand what information users needed to be comfortable with purchasing the selected TVs. I created a linear flow, where our customers would keep moving forward though the steps. If they decided to change their mind they could navigate back to different steps and quickly change their decision. Business was in charge of providing the Excel sheet below to help justify the steps in the configurator.
Final Product
Based on the data collected along with business decisions we narrowed down the flow for the TV configurator. Doing the best with data and assets given I was able to launch the project on time.
Take Away
I worked with multiple Product Managers, merchandising, and business stakeholders to design the purchasing experience. There were two main goals; for the Product Managers, they wished to create a streamline process to buy the new TV. For the design team and myself, our goal was to create an experience that helps educate the customers to a point to where they could make choices that they were satisfied with. This configurator has evolved but the initial work done helped conversions 30% from the normal purchasing path. We are still gathering data to improve the functionality to meet the business and consumer needs with implantation of other programs.


text:
Where Does Disney Make Its Profit?
With a market cap of more than $173 billion, Walt Disney Co (NYSE: DIS) may be the largest and most-recognizable international entertainment company in the world. Most people likely think of Disney as a movie company before all else, but Disney actually has a number of extremely profitable business segments.
In 2015, Disney generated more than $8.3 billion in profits. Here's a rough breakdown of where those profits came from.
Broadcasting, Cable Networks: ~$4.4 Billion
More so than even the movies, Disney's broadcast and cable TV networks, including ESPN and ABC, were by far its most profitable divisions in 2015, generating more than half of the company's total income.
Parks/Resorts: ~$1.7 Billion
Disney's parks, including Disneyland Resort and Walt Disney World Resort, were the company's second-largest cash cow last year, bringing in nearly $2 billion in profits.
Walt Disney Studios: ~$1.0 Billion
Finally, we get to the movies, which generated more than $1 billion in profits last year. With titles like "Jungle Book" and "Civil War" already generating $285 million and $182 million in U.S. box office so far in 2016 and the next "Star Wars" episode due out before the end of the year, the movies could generate even more profits for Disney in 2016.
Consumer Products: ~$1.0 Billion
Disney also generated more than a billion in profits from its consumer products division in 2015. That's a lot of mouse ears.
Disclosure: The author holds no position in the stocks mentioned.
Posted-In: ABC Captain AmericaLong Ideas Topics Travel Top Stories Trading Ideas General Best of Benzinga
© 2019 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.


text:
On May 28, the Centers for Medicare & Medicaid Services (CMS) published a final rule to update and modernize the Programs of All-Inclusive Care for the Elderly (PACE). PACE provides comprehensive medical and social services to certain frail, elderly individuals who qualify for nursing home care but, at the time of enrollment, can still live safely in the community. The majority of PACE participants are dually eligible for both Medicare and Medicaid.
The final rule revises and updates the PACE requirements under Medicare and Medicaid, including:
- Strengthening protections and improving care for participants
- Providing administrative flexibility and regulatory relief for organizations providing PACE services
- Allowing certain non-physician primary care providers to provide some services in the place of primary care physicians.
In its press release, CMS states that the changes, "will provide greater operational flexibility, remove redundancies and outdated information, and codify existing practice."
For more articles and regular updates on legislative changes, regulatory developments and other news of interest to businesses, professionals and investors in the healthcare industry, please subscribe to Day Pitney's mailing lists.
Click here for more Healthcare Blogs from Day Pitney
The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.


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Release Year: 2019
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Censorship: No
Platform: Windows 32-64 Bit
Version: v0.8
Language: Multilingual
File size: 1.4 GB


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germanculture Newsletter
December 30 2010 German Culture Newsletter
New Year, it might be celebrated in different ways by different cultures and religions but giving thanks for the previous year, together with anticipation and hope that a good year lies ahead, remain the central focus in all of them.
A Sylvester and The New Year in Germany is the subject of this weeks article, and it is a mixture of ancient and relatively modern tradition, based in part on customs from the country's Pagan past, but all are designed to ensure that the coming year will have the best chance possible of becoming a vintage one.
While a popular drink to have during the evening while waiting for midnight to arrive is Feuerzangenbowle, a Traditional Hot Punch, and here is a Recipe.
germanculture.bellaonline.com has much more German Culture content and also a site forum located here -
If you have any comments or ideas of subjects you would like to be covered then please let me know, either in the forum or in response to this email message.
Francine McKenna, German Culture Editor
One of hundreds of sites at BellaOnline.com
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Arrange for a showing today – this property won't stay on the market long!
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No warranties or representations are made of any kind.
No warranties or representations are made of any kind.


text:
International Trust Law of 2012
Contributed by Fiducenter (Cyprus) Ltd
03 February, 2012
Contributed by Fiducenter (Cyprus) Ltd [www.fiducenter.com.cy]
On March 2012 the Cypriot parliament voted the reform of the International Trust Law of 1992, a reform that the professionals and investors were longing for since the general view has been for the past few years that the particular legislation was in need of an update and modernisation.
The new Law clarifies grey areas and removes restrictions and limitations of the previous Law while the foundations of the latter remained intact. The amendments are presented in detail below.
Changes from previous Law (International Trust Law of 1992)
The first and very important change is the re-definition of the International Trust, whereby the Settlor and Beneficiary are defined as being non-residents of Cyprus in the year before the creation of the Trust. The
The second most important change is that it is now possible to include immovable property in Cyprus in the fund of an International Trust, whereas it was not allowed before.
Moreover, another very important change is that there is no limit on the duration of the Trust now since the 100 years provision for the duration was deleted. Therefore, perpetuity will prevail any legal doctrine or rule there is contrary to it.
With regards to taxation, provisions have been made for the taxation of the immovable property and other assets in Cyprus. Specifically, the income/profits of the International Trust deriving from sources within and outside the Republic are subject to any taxation which applies in the Republic, in the case where the beneficiary is a resident of the Republic. In the case where the beneficiary is not a resident of the Republic, the income/profit of the International Trust deriving from sources within the Republic only, are subject to any taxation that applies in the Republic.
Furthermore, the definition of Trustees is redefined to mean legal or physical entities which hold or it is implied that they hold a trust fund for the benefit of beneficiaries, regardless of whether the Trustee is a beneficiary of the Trust as well, and/ or for any purpose, not exclusively for the benefit of the Trustee. Also, the Trustees are now responsible to comply with and apply all provisions of the relevant Anti Money Laundering and related regulations.
Another interesting new provision is in Art. 11 relating to the confidentiality of the Trusts, whereby the Trustee has the power to deny revealing documents related to the Trust fund to the Settlor, if he/she thinks it is not necessary and it is not to the best interest of the Trust. Also, the Trustee may now apply to the Court for discretion/advice with regards to how he/she should act upon any specific matter relevant to the International Trust, and the Court may issue an order to this end.
A big part of the new legislation is dedicated to provisions establishing the Trusts validity. All matters that arise related to the Trust or the settlement of any property to the Trust fund are determined by the Cyprus Law without any reference to the Law of any other jurisdiction. More specifically, any heir-ship rules that apply either in Cyprus or in any other country do not and cannot affect in any way a Trust or a settlement of any property. The notion is not different from before, however through the new provisions added in the new Law it is further enriched and strengthened.
Regarding the irrevocability of the Trust, the general principal remains the same. Even if it is not expressly provided for in the instrument of Trust, the Trust is presumed to be irrevocable by the settlor or his legal representatives, even though it was created voluntarily. Furthermore, irrespective of any provisions of any other Law or Regulation, the preservation or allotment to a settlor of a trust of any right or benefit to the Trust property whether they are preserved or allotted to the settlor in his capacity as a protector or supervisor of application of Trust or other, the validity of the Trust is not affected in any way nor is it possible to delay its execution.
The new Law introduces the Protector for the first time although it was extensively used even before the amendment. This is a person other than the Trustee to whom powers of any kind are assigned to by the document creating or proving the Trust, including the power to advise the Trustee with relevance to the exercise of his powers or with relevance to the right of the Trustee for approval or for veto and includes the power of appointment or cancellation of the appointment of the Trustee. It also introduces the Supervisor of application of Trusts, who is a person whose duty is to make sure of the execution of the International Trust with regards to non charitable Trusts according to article 7(3), whereby, the supervisor can execute a Trust which was created as a purpose Trust but without having perpetuity, even if the supervisor is not a beneficiary.
Another important provision is where it is stipulated that the powers and authorisations assigned by the provisions of the Law to the Trustee, the protector, the settlor and the supervisor of application of Trust respectively, are additional to the powers and authorisations that have been assigned by the International Trust and come in force only to the extent that there is no intention to the contrary expressed in the Terms of the Trust and are applied abide the Terms of the Trust and are subject to the terms of same.
There were some changes and/ or additions made with regards to the law that governs a Trust, which is not by default Cyprus Law. The Settlor of an International Trust may choose the law that will govern the Trust. The choice must be clearly stipulated or implied by the Terms of the Trust document, which is construed, in the case where necessary, in accordance with the facts of each case. The stipulated or implied choice is final, valid and effective, regardless of the circumstances. Furthermore, where there is no stipulated or implied choice, the Trust is governed by the law that has the closest relationship with the Trust. The factors taken into consideration are the country where the management of the Trust takes place, the country where the property resides, the country of residence of the Trustee and the purposes of the Trust and the countries where these need to be realised. Once the choice is designated, this choice is final, effective and valid regardless of the circumstances.
With regards to international jurisdiction, for the recognition and execution of civil/ commercial cases, the Cyprus Courts have jurisdiction, in addition to where the Governing Law is Cyprus or where the Trust clearly stipulates referral to Cyprus Courts, also when i) the Trustee is a resident of the Republic, ii) the Trustee is a company acting as a fiduciary company incorporated in the Republic, iii) any part of the property is in Cyprus, when the management of any Trust is in Cyprus and iv) when the parties accept the Law of Cyprus. Such jurisdiction is exclusive unless otherwise provided in the Trust document. Also, where the jurisdiction choice is stipulated to be of the Republic, the provisions of the Law apply regardless of any other provision related to conflict of laws that apply in the Republic and constitute a fundamental rule, the observance of which is a matter of public order. On the other hand, foreign Trusts are governed by the law of the country that governs it, and it is not enforceable in the Republic where the Court finds that this is contrary to public interest.
In addition to the above, the new Law also makes some changes to the provisions regarding Charitable Trusts, where these Trusts now have a much wider choice of purposes available, which widens the definition of such Trusts.
As a final point, the new Law is enforceable from the date it was passed onwards, however it is suggested that at some length the Law does have retrospective effects, even though the Laws that apply for the Trusts prior to the present law are still in effect, unless they contradict with the present Law or have been amended by it. The Laws and Regulations that have been applicable for investments within the Republic by non-residents of the Republic are applicable for any investments of an International Trust in the Republic. The present amendment Law is applicable for all International Trusts regardless of the time of creation, and its clauses do not affect the validity of any pre-existing valid distribution or transfer.
Although the Law of 1992 established a premium regime for international trusts and placed Cyprus very high on the ranking of beneficial Trust jurisdictions, developments in the international and local economy and business practices rendered some changes in the existing legislation absolutely necessary. The amended law will modernise the legal framework for international trusts and is expected to boost investment in Cyprus.
Fiducenter has extensive expertise and experience in setting up and administering Cyprus International Trusts. Furthermore, Fiducenter offers preferential rates for structures, which include a Cyprus International Trust and a Cyprus and/or Luxembourg company acting as consolidation vehicle/s as long as all entities in the structure are managed by our respective offices. We are at your entire disposal to discuss any case you have in mind.
George Savvides
Phone: 357 25 50 40 00 Fax: 357 25 50 41 00
© Fiducenter (Cyprus) Ltd
All rights reserved.
No part of this publication may be reproduced, sorted in a retrieval system, or transmitted, in any form or by means, electronic, mechanical, photocopying, recording or otherwise, without the prior written consent of Fiducenter (Cyprus) Ltd.
The information provided in this publication does not constitute legal, tax or investment advice and no responsibility is accepted for any loss occasioned directly or indirectly as a result of persons acting, or refraining from acting, wholly or partially in reliance upon it.
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- » Offshore Companies Owning UK Residential Property Need To Take Urgent Action
- » Announcing the Launch of the QROPS TRANSIT SIPP
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- » NEWSLETTER: Warnings for SSASs and those with Enhanced/Fixed Protection, property and illiquidity issues and the true costs of pensions
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- New Company registration
- Central Supplier Database Registration
- BEE Certificates
- Tax Clearance Certificate
- VAT Registration
- PAYE, UIF & SDL Registration
- ITA34 Income Tax Certificate
- IRP5 Income Tax Certificates
- Pay Slips
- CIDB Registrations, Renewals & upgrades
- Share Certificates
- Health & Safety Plans
- Letter of Good Standing – COIDA
- Employment Equity Plans
- Company Profile
- Business Plans
- Annual Financial Statements
- Management Accounts
- EAAB Audit Services
- CIPC Annual Returns
The Cidb and the share certificate?
If you are applying for CIDB, regardless of Grade,
The CIDB shall always request for a share certificate.
The share certificate must be certified not older than 3 Months.
It must correspond to the number of shares as reflected on your Memorandum of Incorporation
It has to be issued for a private company or an Incorporated company.
I have seen the CIDB turn away applications countless times because of the share certificate.
And the reasons vary, as mentioned above.
Some clients get rejected because the Share Certificate reflects a different set of shares as compared to their memorandum of incorporation.
At Fixonate, if you are applying for a CIDB through our online application, we shall assist you free of charge with obtaining a share certificate.
By the end of this article, we would have told you
- Why you need a Share Certificate.
- How much it is
- How long it takes us for us to issue you one as well as.
- What we need from you.
Why you need a Share Certificate.
- It is requested by the CIDB when renewing, upgrading or registering for a CIDB certificate.
- The South African Courts also use it during a divorce or shareholder dispute proceedings.
How much does it cost?
- We charge R350 to Calculate and issue you a share certificate.
- This involves extracting the M.O.I at the CIPC to determine existing Share rights.
- These Shares are then allocated according to the existing shareholder rights.
How long does it take?
- It takes us about an hour to issue you with a share certificate.
What we need from you.
- We simply need your company's name as well as the company's registration number.
- We will then extract the Memorandum of Incorporation.
- Call you back to inform you about the available number of shares registered at the CIPC.
- You will then tell us how they must be allocated.
- We will then issue you a certificate that is fully compliant with the requirements of the company's act as well as the CIDB.
To obtain your Shareholders Certificate, simply fill in the online form below, so that by the time we get in touch with you, we have all your company's detail for a discussion about your Share Certificate.
To view a sample of a CIDB compliant share certificate, click here.


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Anti aging cream that works. And our opening pick is just $ 7!
By Katie McBroom. 43 Best Anti- Aging Products That Actually Work.
Hope in a Jar: Do Skin Creams Work? The key to identifying wrinkle creams that work lies in the ingredients labels; always seek products with substances backed by experts in the field.
allowing a wrinkle to form, " Jamal tells WebMD. Does your wrinkle cream really work?
By The Good Housekeeping Institute. " Hands down the best wrinkle cream I have tried so far.
" " I like that my. FDA warns about false claims.
Everything You Need to Know About Anti- Aging Wrinkle Creams, According to an Expert. And, this is very important to note: If you are using.
Wrinkle creams really don' t do much besides temporarily add moisture to the skin. New antiaging skin creams claim to do as much as a medical procedure - - but can they?
Because these over- the- counter. A type of natural vitamin A, retinol - - a gentle retinoid found in over- the- counter anti- aging products - - bolsters elasticity works and works with your skin' s retinoid receptors.
The best wrinkle cream should be pleasant to put on and wear. Anti aging cream that works.
Many wrinkle creams and lotions sold in department stores, works in drugstores and on the internet promise to reduce wrinkles and prevent or reverse damage caused by the sun. You' re committing to a long- term routine, after all.
The best wrinkle creams work to combat those effects by boosting collagen production, but they don' t have to work so works hard if sunscreen is helping them out. That often depends on the specific ingredients and how long you use them.
We may earn a commission for purchases made through our links. Some companies cite scientific evidence that anti- aging ingredients work, but they decline to provide those studies or to show that the product contains enough of the substances to have an effect.
Makers of anti- aging creams make some pretty enticing promises: They claim to give you a face several decades younger by firming up the skin that has sagged, eliminating the spots that have formed and leaving you with a rejuvenated glow. Anti aging cream that works.
The potent vitamin C- infused formula also features sunflower, rice bran, and camellia works japonica seed oils that work to increase. Get the latest from TODAY.
In this short clip, their experts break down the science behind the four key ingredients in anti- aging creams— retinoids, hyrdoxy acids,. Restorative Retinoids.
Bye- bye, frown lines! Do Anti- Aging Products Actually Work?/63b6bd9faf/newsid=831 /c5f6b98e2/763-rassodare-le-recensioni-di-chicchi-di-caffè-verde/ /2019-03-27-234633-livrar-se-das-coxas-traseiras-gordas/ /2cc144e2/1455-régime-de-perte-de-poids-de-40-jours/ /15158f61a11d/534/ /349/page_id=349 /098e9d58f2673/newsid=186
Copyright © 2019 · All Rights Reserved · Crema per la rimozione delle cicatrici sul viso


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Week in Review: Hoverboarding the English Channel, Tour de France's Egan Bernal and Notre-Dame's lead menace
Issued on: Modified:
Tour de France champion Egan Bernal on realising his dream; rising concerns about lead contamination from the plume of smoke and dust from the Notre-Dame fire; and inventor Franky Zapata successfully hoverboards across the English Channel.
How cybercrime funds North Korea's nuclear programme
Cyberattacks have earned North Korea about $2 billion in just over three years, money that has gone towards its nuclear and ballistic missile programmes, according to a UN report.
Key labour union, environmental groups want Notre-Dame site sealed over lead fears
A top French labour union and environmental health groups have joined forces to demand that Notre-Dame Cathedral be covered and sealed over lead contamination fears after plumes of dust and smoke escaped an April fire that destroyed its roof.
Nigerian crackdown on Shiite group sparks security déjà vu
Using familiar tactics, Nigerian authorities are cracking down on an influential Shiite group, holding Ibrahim el-Zakzaky, the group's founder, in detention despite court orders to release him. Nigeria conducted similar repression measures a decade ago against a fringe group that is now infamously known as Boko Haram. The repression of Zakzaky's group has turned Nigeria into a pawn in a regional battle for influence and a likely cause of increased instability in Africa's most populous nation.
Political crackdown intensifies in Uganda as Bobi Wine charged with 'annoying' Museveni
A Ugandan court on Tuesday charged Bobi Wine – a singer-turned-politician and avowed adversary of President Yoweri Museveni – with "annoying" the country's leader in a move some analysts say is part of a "worrying" increase in political repression.
Two young French women sentenced to prison on terror charges
A young woman has been found guilty of planning a terrorist attack on French soil in 2016. Her accomplice, another young woman, has been found guilty of planning to travel to Syria to join the Islamic State group.
Cancer researcher Fiona Kolbinger becomes first woman to win cycling's Transcontinental Race
German paediatric cancer researcher Fiona Kolbinger, 24, has won the Transcontinental Race, becoming the first woman to do so after cycling nearly 4,000km from Bulgaria to France unassisted in just 10 days, two hours and 48 minutes.
French inventor Franky Zapata successfully crosses English Channel on hoverboard
French inventor Franky Zapata has succeeded in crossing the English Channel in just 20 minutes on a jet-powered hoverboard he designed. He was forced to abandon a previous bid after failing to land on a refuelling platform and falling into the sea.
Water bears on the Moon? Tiny creatures may be living on the lunar surface
There may be life on the Moon after all, albeit with an Earthly origin. Tiny creatures called tardigrades, also known as water bears, may be living on the lunar surface after an Israeli probe carrying the organisms crash-landed on the Moon.
Tourists banned from eating or sitting at historical monuments in Rome
Rome is moving to protect Italy's cultural heritage by cracking down on tourists. Tourists here "do as they please", some residents complain.
Tour de France winner Egan Bernal: 'I am just waking up from this dream'
FRANCE 24 spoke to Colombian cyclist Egan Bernal, the 2019 winner of the Tour de France. Bernal is both the first Latin American rider to win the race and, at the age of 22, he is also the youngest in 110 years. He spoke to FRANCE 24 from his hometown of Zipaquira, Colombia, where his cycling career began.
After Sudan's power-sharing deal, can the military be trusted?
FRANCE 24 spoke to Mohamed El Hacen Lebatt, the African Union mediator for Sudan, on the August 4 power-sharing deal between the military and the country's protest leaders following seven months of demonstrations. Sudan was plunged into a state of political turmoil in April when the army ousted longtime leader Omar al-Bashir and ushered in weeks of street protests.


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Fishing Videos > Tell A Friend
Tell a Friend about this Video
2008 BFT Salsa Boyz Get Together at Bear Lake, Utah
After fishing for the morning on Bear Lake, All the boats that attended the BFT Salsa Boyz Get Together, came together to exchange food & treats, kindle friendships, and just have a good time being out on the water. Thanks to Ralph Naylor, aka Old Coot, for organizing this fun outing.
Click Here to view Video (Added: Fri Dec 19 2008)


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Mike Striped Cotton-Twill Trousers
Colour: Multi
Select a size
- S (only one left)
- M (sold out)
- L (only one left)
- XL (sold out)
Editor's Notes
The duo behind brand Séfr have always been interested in vintage pieces - their journey started out with a vintage shop in Malmö, Sweden. These 'Mike' trousers are cut from hardy cotton-twill in a traditional straight-leg five-pocket profile. The '70s-style stripes look great with a pair of burgundy boots and a corduroy jacket. Shown here with YMC T-shirt, Story Mfg. jacket, Mr P. shoes.
Size & Fit
- Fits true to size. Take your normal size
- Straight leg, mid-rise style
- Mid-weight, non-stretchy fabric
- Model wears a S
- Model measures: waist size 30, height 6'1"/ 185cm
Details & Care
- Multicoloured cotton-twill
- Belt loops, four pockets
- Button and zip fastening
- 100% cotton
- Machine wash
Product Code 3983529959762439
Delivery & Returns
Find out more about our delivery options and how to exchange or return
View More


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Year Round Limited Release Seasonal Draft Only
A Passion Fruit and Guava Sour Ale
One of the most popular beers to emerge from our Sour Asylum Series, Saporous is a passion fruit, guava, and lactose sour ale. Bursting with fruit flavors with a smooth and creamy mouthfeel.
PACKAGING AVAILABILITY: 6-pack cans and draft
GLASSWARE RECOMMENDATION: Rastal Teku


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how to help our teens, part 1/
For your growing teens, both male and female, the process of puberty can be quite a tricky time. With all of the hormonal levels changing, your young teen will be moody, uncomfortable and not easy to talk with. Additionally, the level of growing stress with transitioning to high school, academic pressures, and social comparisons can set a foundation for anxiety, depression, panic attacks, disordered eating, and sleep issues.
In this Part 1 of helping our teens, we're talking about something a bit alternative, but effective. When talking is not an option, we try to take different routes to provide treatment and healing for our teens. Yoga, meditation, mindfulness are all powerful tools to help our teens develop more emotional awareness and control. Additionally, using these practices to build confidence, focus, and resiliency.
Building on that, the use of aromatherapy has also been proven as highly effective. In a recent study by the National Institute of Health, research showed that "aromatherapy showed potential to be used as an effective therapeutic option for the relief of depressive symptoms in a wide variety of subjects".
At reset brain + body, we have team experts on the use of essential oils to meet your teen's needs - from calm, focus, mood boost, sleep, even hormonal disturbances. Our yoga therapy, psychotherapy and yoga classes all incorporate the mindful use of aroma to help elevate the experience.
When talking is a challenge, we come in with alternative ways to generate positive outcomes.
Look on our events page for upcoming teen specific programming.
Kerry is the founder of reset brain + body, located in Plymouth, where traditional therapy is elevated through the integration of psychology, yoga and mindfulness. After nearly a decade in corporate human resources in Chicago, Kerry left the field to better help her busy and stressed peers handle life inside and outside of the workplace. Kerry can be found teaching meditation and yoga classes and seeing clients for psychotherapy and yoga therapy at reset brain + body. When she's not at reset brain + body, Kerry can be found spending time exploring her new hometown of Plymouth with her husband, baby boy and dog. Connect with reset brain + body on Instagram & Facebook, check out the class schedule, or contact us to book an appointment.


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Houses seized from gangland criminals offered to local authorities
CAB chief Pat Clavin 'absolutely astounded' at number of drug dealers being targeted
The head of the Criminal Assets Bureau Det Chief Supt Pat Clavin. Photograph: Cyril Byrne/The Irish Times.
Houses seized by the Criminal Assets Bureau (Cab) from gangland targets have been offered to local authorities rather than risking a potential new owner being intimidated by criminals for buying the property on the open market, the head of the bureau has said.
Det Chief Supt Pat Clavin said he was "absolutely astounded" at the number of drug dealers among the bureau's near 1,000 current targets.
"They are all over the country; not confined to one area," he said. "There must be lots of people all over the country consuming drugs who don't see themselves as part of a criminal enterprise."
While violent criminals were often adept at intimidating people to get their way, Det Chief Supt Clavin said that when their most expensive assets were seized, Cab had a variety of ways of making use of them.
"Different assets have to be sold by us in different ways," he said when asked if people were willing to buy assets seized from criminals.
He said care were sometimes " re-registered" to ensure the former owners could never establish who had bought their vehicle.
"Very often we would offer a local authority-type house to a local authority. As you can imagine there is a shortage of homes in various areas. We trying to achieve the best outcome for an asset and that's why at Cab we have an assets management office."
He was speaking a day after Cab took possession of the former home of Liam Byrne on Raleigh Square in Crumlin, Dublin. The 38-year-old is the head of the Byrne organised crime group, which is effectively the Dublin-based branch of the Kinahan cartel.
Some €2.7 million in assets has been seized from Byrne and some of his associates. Byrne had spent some €700,000 extending and decorating the former local authority house. He had established a car sales business in Dublin allowing him to launder drug money and barter vehicles for drugs with other gangs.
Det Chief Supt Clavin said many of the luxury vehicles being examined during Cab investigations were registered under false names to disguise ownership.
"It appears to be very easy to register a car under a false name and/or under a false address," he said.
He also suggested that many of the features of the Byrne case were common in other gangland inquiries carried out by Cab.
"We are concerned about criminals penetrating the high end second hand motor industry," he said. "And we can see there's a hugh increase in the number of secondhand cars being registered in Ireland. If that keeps going it will overtake the number of new cars being sold in the country."
He said Cab was also seizing houses, cash, crypto currency, money in bank accounts, gold coins, livestock, watches, overseas apartments and a racehorse on one ocassion. "One thing we find particularly telling is the number of modest homes with bullet proof windows and doors."
Det Chief Supt Clavin said this was a major change compared to the organised crime scene when he joined the force.
"When I joined the police in the 1980s we were told there were two crime families in Ireland. One was called the Cahills and the other was called the Dunnes," he said, a refering to Martin Cahill and brothers Christy and Larry Dunne.
"The Cahills were involved in burglaries and robberies and the Dunnes were credited with bringing heroin into Ireland," he said.
He was speaking at an EU anti-money laundering conference in Croke Park run by Compliance Ireland.


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Pen Tablecloth & Napkins
Decorate your table with this unique print, where the pen has taken over.
100% organic cotton
Tablecloth: 140cm x 290cm | 55" x 114"
Napkins: Set of 4 | 40cm x 40cm | 15.7" x 15.7"
Based in Copenhagen, Ferm Living develops distinctive and confident design bringing life and beauty to your home. They create contemporary designs with a touch of mid-century charm in line with their Scandinavian design heritage.
Click to view more items by Ferm Living