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Paid Parental Leave scheme for employers
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Call our Multilingual Phone Service to speak with us in your language about your Centrelink payments and services.
Support for employers to assist eligible employees to access Paid Parental Leave.
Do your business online with Centrelink Business Online Services.
You need to know
About the scheme
The Paid Parental Leave scheme allows eligible parents to take time off work to care for a newborn or recently adopted child.
The financial support provided by the scheme complements parents' existing birth or adoption entitlements to paid and unpaid leave.
The Paid Parental Leave scheme is designed to:
- recognise that taking time out of the paid workforce to care for a child is part of the usual course of life for parents
- promote equality between men and women, and
- balance work and family life
The scheme also helps employers to:
- retain valuable and skilled staff by encouraging them to stay connected with their workplace when they become parents
- enhance family friendly workplace conditions without having to fund Parental Leave Pay themselves, and
- increase long term workforce participation by parents
There are 2 payments under the Paid Parental Leave scheme.
Parental Leave Pay
Parental Leave Pay is paid to the child's primary carer. Eligible parents may get up to 18 weeks of pay based on the rate of the national minimum wage. To be eligible, parents must be:
- on paid or unpaid leave, or
- not working from the time they become their child's primary carer until the end of their Paid Parental Leave period
In most cases, employers provide Parental Leave Pay to their eligible employees. We provide the necessary Paid Parental Leave funds to employers.
Dad and Partner Pay
Dad and Partner Pay is for eligible working dads or partners, including adopting parents and same sex couples. They may get up to 2 weeks of pay based on the national minimum wage. They must either be on unpaid leave or not working during this time.
We always pay Dad and Partner Pay to your employees directly. Your employee may approach you about taking unpaid leave so they can receive the payment.
Employers' role in the Paid Parental Leave scheme
Employers play an important role in the Paid Parental Leave scheme.
Read more about employers' role in the Paid Parental Leave scheme
Employee eligibility
It's our job to assess whether your employee can get Paid Parental Leave. First, they need to submit a claim to us.
Read more about eligibility for Parental Leave Pay.
Read more about eligibility for Dad and Partner Pay.
Employers opting in to administer Parental Leave Pay
You can opt in to provide Parental Leave Pay to employees you aren't required to provide it to.
Parental Leave Pay's effect on existing leave entitlements
The scheme is designed to complement existing workplace entitlements. It provides payments but doesn't provide a new entitlement to leave.
Preparing for Parental Leave Pay for employers
If you and your employee have agreed on leave arrangements, there are steps you should follow to ensure you're prepared to provide Parental Leave Pay.
Information your employee will need to provide
We'll ask your employee:
- what their working arrangements are; for example, if they're a permanent employee, casual employee or contractor
- whether they'll still be employed by you when they're receiving Parental Leave Pay - this includes if they'll be on unpaid leave
- their employee identification number, if applicable
- the date they started working for you, and
- whether they give permission for you to provide their Parental Leave Pay
We'll also ask them some questions about your business, including:
- the name or trading name
- the ABN, and
- the name and contact details of a Paid Parental Leave scheme contact in the business
Your employee will choose their Paid Parental Leave period
When your employee submits their claim to us, they'll tell us when they want their Paid Parental Leave period to start.
It can start from the day their child is born or adopted, or on a later date. However:
- to receive the maximum 18 weeks of pay, the Paid Parental Leave period must start within 34 weeks of the birth or adoption, and
- they must receive all of their Parental Leave Pay within 52 weeks of the birth or adoption of their child
Your employee can take Parental Leave Pay before, after, or at the same time as any type of paid or unpaid leave, but it must be taken:
- in 1 continuous block, and
- after the child has entered their care
After an employee submits a claim for Parental Leave Pay
If you're providing your employee's Parental Leave Pay, we'll be in touch with you to let you know when payments will start.
If we're administering your employee's Parental Leave Pay, you only need to let us know if their circumstances change, for example, if your employee returns to work early.
Employers providing Parental Leave Pay
You should provide Parental Leave Pay to your employee in the same way you pay salary or wages.
Keeping in Touch with your employee receiving Parental Leave Pay
The Keeping in Touch provision is designed to help your employee return to work after their parental leave.
What to do when circumstances change
Under the Paid Parental Leave Act 2010, you must tell us about events that affect or are likely to affect your employee's Parental Leave Pay.
When you need to notify us
You need to tell us if, before the end of your employee's Paid Parental Leave period:
- your employee either returns to work or takes more than 10 Keeping in Touch days
- your employee stops working for you
- your Parental Leave Pay contact officer changes
- your bank account details change
- your employee's pay cycle changes
- you're unable to provide Parental Leave Pay to your employee
- you've received an incorrect amount of funds from us, or
- you're no longer trading, selling your business, transferring ownership or merging with another business
You can do this online using Centrelink Business Online Services
For more information, read the Employer Toolkit or call the National Business Gateway.
If your employee returns to work early
Your employee can return to work before the end of their Paid Parental Leave period if they want to, as long as you agree. You'll need to tell us if they return to work because their Parental Leave Pay must stop from the day they return.
Under the National Employment Standards, your employee usually has the right to say no if you ask them to return to work before the end of their Paid Parental Leave period or a period of unpaid parental leave they're entitled to. Read more on the Fair Work Ombudsman website.
Stillbirth or infant death
In cases of stillbirth or infant death, eligible employees will continue to receive their Parental Leave Pay.
We won't impose any specific rules that may result in employees being financially worse off in these situations.
Your employee may ask us to provide their Parental Leave Pay directly. We'll advise you if you're no longer required to provide Parental Leave Pay.
Your employee won't lose their Parental Leave Pay if they choose to return to work before the end of their Paid Parental Leave period.
When to stop providing Parental Leave Pay
You should only stop providing Parental Leave Pay to an employee when we ask you to.
We may ask you to stop providing Parental Leave Pay because:
- your employee's Paid Parental Leave period has finished
- your employee is transferring some of their Parental Leave Pay to another primary carer
- your employee has returned to work, except in cases of stillbirth or infant death
- your employee has used more than 10 Keeping in Touch days before the end of their Paid Parental Leave period
- the person is no longer your employee
- your employee has been granted an income support payment from us, or
- we have determined that your employee is no longer eligible for Parental Leave Pay
Your financial reporting and tax
You have financial reporting and taxation obligations when it comes to administering Parental Leave Pay.
In some circumstances, you may have more funds than required and you'll have to repay us.
This could happen if you've already received funds from us but:
- we decide your employee is no longer entitled to Parental Leave Pay, or
- you're unable to pay your employee's Parental Leave Pay, for example, if your employee has closed their bank account and you're unable to contact them
When we become aware of an overpayment, we'll work out how much needs to be repaid. We'll ask you to repay excess funds within 28 days of receiving a notice from us.
Paid Parental Leave scheme reviews, appeals and disputes
You can ask for a review or appeal a decision we make.
Information about the scheme for parents
If you're a parent needing information about the Paid Parental Leave scheme, read more about Parental Leave Pay and Dad and Partner Pay.
Paid Parental Leave scheme Employer Toolkit
The Employer Toolkit can assist employers, human resources staff, accountants and tax practitioners prepare for their role in the Paid Parental Leave scheme.
Read more about the Paid Parental Leave scheme Employer Toolkit
National Business Gateway
The National Business Gateway is a national contact centre dedicated to making it easier for you to do business with us.
For employers - information in your language
If you speak a language other than English, you can view information on the Paid Parental Leave scheme for employers in your language.
Top myths about the Paid Parental Leave scheme for employers
Let's debunk some of the common myths you might come across as an employer about the Paid Parental Leave scheme.
Read more about top myths about the Paid Parental Leave scheme for employers
Employer checklist for parental leave
The employer checklists on the Fair Work Ombudsman website can help you make sure you have followed all the steps you need to when an employee requests parental leave.
Supporting Working Parents website
Find out about your legal obligations to employees who are pregnant, employees on parental leave and working parents on the Supporting Working Parents website.


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(Click on the chart for the full-size version. For previous Databombs, click here.)
By Reed Kuhn, @Fightnomics
In March I made the trip to Montreal for UFC 156 and was puzzled by a financial observation. If the $50,000 Fight Night bonuses for that card sounded small for a pay-per-view event, well, that's because they were. At least they were "low" when put into historical context, and they've been that way ever since.
But let's start with the big picture with our first DataBomb to have dollars as a unit of measure. The chart above displays the official Fight Night Bonus amount published for Fight of the Night, Knockout of the Night, and Submission of the Night for numbered UFC events since UFC 61 in 2006 through UFC 162 earlier this month. Like Chael Sonnen closing a Skype interview: Kaaaaa…boom.
The Rise of the UFC in the Mid-2000's
Let's put this in context. The end of 2006 was a great time for the UFC. In addition to seasons three and four of the smash hit reality series The Ultimate Fighter, the promotion closed out the year with a defining moment in UFC 66. Headlined by future hall of fame superstars Chuck Liddell and Tito Ortiz, the event drew more than one million pay-per-view purchases, a first for the still maturing organization.
It may then come as a surprise that Liddell and Ortiz each only received a $30,000 bonus for their Fight of the Night performance. But not really, because we should all know that there's a lag between success and financial reward. These same fight night bonus amounts would double by UFC 81 just over a year later when they hit $60,000 for the first time. For part-time fighters on the undercard only making "three and three" back then (i.e., $3,000 to fight and another $3,000 for a win), a windfall $60,000 bonus was potentially life-changing. And bonuses weren't done growing yet.
The Highs
The biggest ever bonus winners came at UFC 129, with bonuses appropriately set at $129,000 each. With an estimated 55,000 attendees, the event was the largest UFC show in history and was held at the Toronto Rogers Centre, a stadium venue normally reserved for Major League Baseball Games. The event also had two title belts on the line, with Georges St-Pierre defeating Jake Shields and Jose Aldo outlasting Mark Hominick.
Two other events topped the six-figure bonus mark, each one a special occasion for Zuffa. The first time UFC fighters saw bonuses of $100,000 was the summer of 2009 at the blockbuster UFC 100 event. Again, two belts were on the line for the historic (but not exactly 100th) UFC event, with GSP defending against Thiago Alves, and Brock Lesnar unifying the heavyweight belt via TKO of Frank Mir. Amazingly, future champion Jon Jones also competed on the card, but was buried on the prelims in what was at the time only his third UFC appearance.
Most recently, Zuffa awarded $100,000 bonuses at UFC 134 in the highly publicized return to Brazil. The card was stacked with high profile fighters, capped with an Anderson Silva striking clinic against Yushin Okami, and signified a new Zuffa commitment to the booming Brazil market.
UFC 156: Flat Is the New Up
Since 2011, Fight Night Bonuses have been consistently above $60,000, and more typically in the $65,000 to $75,000 range. But the trend since the beginning of 2012 has been downward. Why the kitty failed to gain ground in recent years is the mystery that has yet to be resolved, but may be tied to the maturation of the core US market. It was at UFC 156 in Montreal that the official news came: all UFC event bonuses would be $50,000 going forward. This "normalization" meant that there was no longer any downside for bonus seekers competing on lower profile (i.e., TUF Finale, UFC on FUEL) fight cards. But it also meant that the occasional $75,000 or even $100,000 windfalls that changed the lives of some exciting fighters were gone. Many in the US have already dealt with the realities of stagnant growth: Flat is the new up.
The notable exception is what we may call "the Caraway Effect." The only blip in bonus amounts since the new policy took effect was at UFC 159, when (allegedly) Bryan Caraway convinced Dana White to boost bonuses to $65,000 to match the last time Caraway fought at UFC 149. That comment was based on the fact that Caraway won the Fight of the Night bonus at UFC 149. In a strange twist, Caraway went on to receive the Submission of the Night bonus at UFC 159 thanks to a positive drug test by Pat Healy. Coincidence? Or genius?
Mandatory disclaimer: This is publically reported information and doesn't capture everything. Zuffa can, and often does, compensate fighters above their listed salaries and Fight Night Bonuses via what is referred to as "locker room bonuses." We should keep in mind that Zuffa essentially pays most of its fighters more than they've agreed to pay them contractually, whether it's public or not. This is unusual and generous by the standards of most occupations, despite the low average pay compared to mainstream American sports. Such is the nature of a sport struggling for wider audiences.
The data presented here represents concrete payouts, and in aggregate also reflects the trends of the organization's growth. Zuffa has a business to run, and the bottom line is a critical driver for their ability to continue to grow the sport. For the fighters' sakes, we hope that base salaries are increasing to mitigate the risk associated with competing professionally in the UFC, and to properly share the financial success of the business with those who risk the most to ensure it. In the next DataBomb we'll look to see who actually wins these fight night bonuses.
For more on the science and stats of MMA, follow @Fightnomics on Twitter and on Facebook. See more MMA analytical research at www.fightnomics.com.

subset: commoncrawl


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Hacking jet lag, sleep quality and (yes) hangovers at the Bulletproof Biohacking Conference #86
You are in the right place for the most innovative, unusual and downright crazy hacks for better performance.
Today we are hacking
- Jet lag
- Sleep quality
- Alcohol (and hangovers)*
Recently I was in LA, for the Bulletproof Biohacking Conference. Some of the world's top biohackers all in one place. And together with the Bulletproof UK crew, we organised a pre-conference Zestology podcast party, where I got to ask some of the world's best how to hack their energy, vitality and motivation levels.
There are loads of great biohacks on the podcast, all available here now. Or scroll down for pics and more.
The weekend was a chance to try out some interesting, unusual, and downright crazy hacks for energy.
*This may be the best bit of today's podcast. If you drink alcohol, listening to this podcast may change your hangovers forever.
Oh just a little blood test with one of the best testing companies in the world - Quicksilver Scientific. This one was for mercury levels. Shortly after this picture was taken, I had a large chunk of hair taken out of the back of my head for the same test. All in the name of biohacking eh?
Pic of our event at the Bulletproof Coffee Shop in the Arts District, Los Angeles. In the absence of a stage, we stood on Whole Body Vibration Plates instead. Surely the first time they've been used to record a podcast on.
Click below to stream this week's podcast now...
When you listen you'll hear
- Principles made popular by Napoleon Hill [2:05]
- The Roller Flex [3:15]
- Todd White and the healthy wine (Dry Farm Wine) [5:30]
- The benefits of a Ketogenic Diet [13:23]
- Stay away from sugar [21:22]
- Sleep hacks of Luke Storey [26:05]
- Jet lag and flight hacks [33:53]
- Balance and bio-hacking [36:15]
- What does a food scientist do? [39:25]
- The most fun way to play with your food [40:55]
- The blue light-blocking glasses [45:24]
For more information
Remember, here's how you can listen to today's episode.
You can
Listen and follow Zestology on iTunes
Listen and followZestology on Spotify
Stream by clicking below
This podcast is brought to you by Bulletproof Coffee and supplements. Bulletproof is for anyone that wants to perform better, and features supplements and products based on 20 years of mind and body research. I use Bulletproof - all the time - and I've sorted a 10% discount for Zestology listeners. Simply use the code ZESTOLOGY at checkout. Enjoy!
Zestology Guest: Luke Storey, Todd White


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Cover Reveal: S.E. Green – Ultimate Sacrifice
posted in: News | 0
The UK based publishing company Oftomes Publishing will release their horror debut novel. Ultimate Sacrifice by S. E. Green is coming out October 10th. It is a creepy, mystery horror with super natural themes. Sounds interesting, right? And the cover … Continued


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Build Your Retirement Portfolio using Checkbook IRA Tax Free with the Help of Sense Financial
Sense Financial Services has helped hundreds of satisfied clients diversify and grow their retirement portfolios using Checkbook IRA. Hear what one happy customer has to say about his experience working with Sense Financial team.
Long Beach, CA (PRWEB) October 31, 2012
Sense Financial Services strives to help all of their customers get ahead financially, whether it's opening a self-directed retirement account, helping client plan for debt-free living, estate planning or protecting families with life insurance. They frequently hold seminars to introduce their services to the public and give individuals an information filled program about how the attendees can take the right steps towards more secure financial future.
One recent testimonial came from Patrick Prunty, resident of Long Beach in Southern California. A client explains how the team at Sense Financial Services, helped him buy another piece of real estate when he was pretty sure he wouldn't be able to get another piece of property to add to his portfolio. Lenders had told the client that, due to the poor lending market, the client couldn't qualify for any new loans. After attending one of the Sense Financial Services seminars, the client learned information which allowed him to pay cash for a piece of investment property using his retirement funds within six weeks of attending the seminar. Of this, the client said, "The information I learned was phenomenal. I learned that I could diversify my retirement portfolio by using funds from my Roth IRA to buy real estate [and that is] exactly what I did."
Sense Financial team assisted the client in creating a Self Directed IRA LLC in which he put some of his Roth IRA savings. Now he has complete control over the money and can use it to invest in real estate through the LLC. Since he already paid tax on contributions in his Roth IRA, all of the profits and gains including rental income and capital gains will not be taxed. While at this time the funds are tied up in the investment, and not available for him to use personally, this investment vehicle will generate tax-free income for the rest of his life, which he will have access during his retirement years!
Sense Financial is the California's leading provider of retirement accounts with "Checkbook Control": Solo 401k and Checkbook IRA. Over the years they assisted hundreds of clients obtain checkbook control over their retirement accounts while providing them the ability to invest in virtually any investment class, including real estate, private lending, mortgage notes and much more without the need for custodian approval!
The company was founded to assist middle-American families with planning for their future. The concepts they teach and promote are based on proven Biblical principles:
- Get out of debt (The borrower is servant to the lender. Proverbs 22:7)
- Set Goals (Good planning and hard work lead to prosperity… Proverbs 21:5)
- Invest for the future (The wise man saves for the future, but the foolish man spends whatever he gets. Proverbs 21:20)
- Diversify your investments (Divide your portion to seven, or even to eight, for you do not know what misfortune may occur on the earth. Ecclesiastes 11:2)
From the years of experience they found that following these time tested principles will lead to financial success. However, violation of these principles will bring financial failure.
To learn more information about self directed retirement accounts with checkbook control, please visit http://www.sensefinancial.com
For the original version on PRWeb visit: http://www.prweb.com/releases/prwebsensefinancial/Checkbook_IRA/prweb10077126.htm


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Shakespeare Festival
We believe that Shakespeare experienced in a communal setting - whether it be outdoors, in a classroom or in a theater - elates the soul, inspires the mind and unifies those who sit beside each other. By lowering practical and perceptual barriers, the Festival encourages broad participation in the arts and makes these artistic activities an active part of community life. The festival will start from August 29 to September 13, 2015. More Details: http://www.sfshakes.org/
- Start:August 29, 2015
- End:September 13, 2015
- Where:The Presidio - Main Post Parade Ground Lawn, 103 Montgomery Street, San Francisco, California, United States, 94129
- Phone:N/A
- Event Type: Festivals & Fairs
- Ticket Price:N/A


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Here is an MP3 Audio clip by Singh Kaur which was recorded Live in the Los Angeles Gurdwara shortly before she passed away from ovarian cancer. I grew up listening to her wonderful music. Most of us used to sleep to her soothing tunes. They are a mixture of lyrics which are translation of Bani and various Gurbani mantras.
Download MP3 File (4.5MB)
Remembering Singh Kaur – More information about her and the impact of her music
Download another Audio Clip
Ps. You can hear more of her music in the SikhNet Gurbani Archive


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LOUISVILLE, KY (WAVE) - During all of the commotion Wednesday surrounding the ammonia leak at the JBS Swift plant at 1200 Story Avenue, one business was affected more than others in the area.
The Blind Pig restaurant sits right across the street from the plant, and Wednesday was anything but business as usual. Joe Frase, a co-owner, says restaurant operations were brought to an abrupt halt when a chemical leak forced almost a thousand workers out of the Swift plant and toward the Blind Pig.
"When they evacuated the plant all the workers were coming across the parking lot in a mob," Frase recalled. "I thought they were just gonna stand in the parking lot, but they came over here. They were hanging around the building, hanging out in front of the door, coming in to use the bathroom in droves."
Frase says a JBS Swift supervisor eventually entered the store and told employees to leave unless they bought food or drinks.
The leak happened just as the restaurant was planning a one-year anniversary celebration next week.
Frase hopes things will have settled down by then.
"Hopefully that'll be good, I'm hoping this won't put a damper on it, I think it may have cycled through by then."
Copyright 2011 WAVE News. All rights reserved.


text: Modern and fashion-forward, Lumo earrings offer up a contemporary alternative to classic jewellery designs. Working with natural and unusual materials to create its pieces, including wood, bone, pearls and gemstones, these earrings are the perfect finishing touches for any outfit. Subtle and easy-to-wear, slip a pair of these on in the morning and consider yourself set for the rest of the day and night.


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A Powerful Resistance to Trump's Push for Offshore Drilling
What an amazing week. Thousands of people turned out to events around the country to raise their voices against President Trump's plan to dramatically expand offshore drilling in the Arctic, off the West Coast and East Coast, and in the Gulf of Mexico.
Thank you to all who came to hearings, attended rallies or provided support. The Center for Biological Diversity, including our coast-to-coast Ignite Change network, has made this campaign a top priority. We know Trump's plan could trigger more than 5,000 oil spills — we can't let that happen.
This will be a tough fight, so stay tuned for what's next. Take a moment to join Ignite Change and read this Center op-ed in The Sacramento Bee.
The Revelator: 197 Died Last Year Defending the Planet
At least 197 environmental activists died in 2017, an average of nearly four per week, The Revelator reports. Brazil, Colombia, the Philippines and Mexico were the deadliest places for those working to protect wildlife and wildlands. One of the most infamous cases was the January 2017 murder of Isidro Baldenegro Lopez, an indigenous activist standing up against illegal logging.
This year is already off to a sad start: Three Cambodian rangers and law-enforcement officers were killed last week after finding an illegal logging camp. And just this weekend, Esmond Bradley Martin, an investigator in the illegal ivory trade, was murdered in his home in Kenya.
Read the whole story.
State Department to Be Sued Over Missing Climate Report
Trump's State Department missed its deadline to produce the U.S. Climate Action Report for the United Nations — so now Secretary of State Rex Tillerson faces a Center notice of intent to sue.
"The United States is the chief culprit in the climate crisis, so its refusal to meet even bare-minimum reporting requirements to the UN is morally reprehensible," said the Center's Jean Su. "In light of all the American lives and homes lost to superstorms and wildfires last year, the Trump administration's inaction is especially disturbing." Read more.
This year the United States could experience its first bird extinction in more than three decades. Once common across the grasslands of central Florida, the Florida grasshopper sparrow has experienced a catastrophic decline since the 1970s, mostly due to habitat loss and degradation. A 2017 survey found just 75 birds in the wild.
Check out the video and read more in The Revelator.
Trump Radically Overhauls Oil, Gas Leasing on Public Lands
A sudden, drastic change in the structure of oil and gas leasing on public lands occurred last week when Trump's Bureau of Land Management issued a policy aiming to eliminate public review and disclosure of environmental harms from drilling and fracking. The BLM will also be largely restricted from taking land off the auction block — even when that land contains sensitive resources and habitat for wildlife like sage grouse.
Fracking-industry access will sharply increase while environmental protection and transparency decrease.
"The Trump administration wants to give fossil fuel companies free rein over our public lands," said the Center's Michael Saul. "These changes will result in rushed, illegal decisions that will be overturned in court."
Read more in The Washington Post.
Ask Dr. Donley: Really, How Safe Is Roundup?
The Center's Dr. Nathan Donley recently fielded this question on our Medium page: "I've read that Roundup weedkiller is safer than table salt, but I've also heard it can cause cancer. Clearly both of these can't be right, so can you explain the discrepancy?"
Find out the answer and send him your questions about how environmental toxins affect people, wildlife and the environment.
Trump Cuts Grazing Fees, May Hike Prices for National Parks
How much do we pay for access to our public lands? It depends. If you're a livestock operator, then you haven't been paying much to graze your cows or sheep on public lands — and on top of that, the Trump administration just gave you a big cut in fees.
If you love visiting national parks, you may soon be paying more for the privilege. Trump's Interior Department is considering an increase in entrance fees for 17 of the most popular national parks, and vehicle fees could more than double.
"It's shameful that Trump wants to drastically increase national park fees while gouging taxpayers to subsidize livestock grazing," said the Center's Randi Spivak.
Read more in our press release.
Check Out Our Newest, Fastest Way to Take Action
The Center doesn't save wildlife alone. This work also relies on people like you taking action — including signing petitions and sending letters.
This week we added a new feature to make it easier to take action and donate online. When you click on an action — you can find plenty of them here — you'll see a box for "FastAction." Fill out that secure form once and each time you take action in the future, your information will be automatically filled in, no need to fill out the full form.
Wild & Weird: Just a Snowy Owl Chilling on an Ice Floe
Recent footage captured in Canada shows a snowy owl — seemingly in a state of total relaxation — perched atop a chunk of ice bobbing in an ice floe in a bay of Lake Ontario. Check it out on Facebook, YouTube and Instagram.


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However from mid 1980s the most striking manifestation of undermining existing for many decades, the division of functions between the "four pillars" of canadian Finance and credit expansion becomes turbulent in the country of a totally new type of Canada financial institutions – a widely diversified investment banking firm, or, in the terminology of canadian specialists, "trading Bank".
The rapid development of this type of financial institutions largely due to the fact that "the trade Bank" almost not covered under existing legislation regulating the area of Finance in Canada, and primarily under laws restricting the rights of investors to buy large (over 10%) packages of voting shares of financial companies...
Daily Archives 23.09.2015
However from mid 1980s the most striking manifestation of undermining existing for many decades, the division of functions between the "four pillars" of canadian Finance and credit expansion becomes turbulent in the country of a totally new type of Canada financial institutions – a widely diversified investment banking firm, or, in the terminology of canadian specialists, "trading Bank".
The main link of credit system of Canada consists of private commercial, or preferred, banks. They have a huge impact on the structure of private investment and consumer spending in the country, allowing industrial, commercial and other enterprises.
During its existence, the commercial banks are constantly concentrated, i.e. occurred mergers and acquisitions, their numbers are reduced, but financial strength was increased. The canadian law on banks, created by an English Park, was instrumental in the organization of major banks and their branches in the provinces, which allowed banks to maneuver funds in different geographical locations.
Commercial banks are Deposit Canada, they include promissory notes, accept deposits, open for customers ' individual savings and term accounts...Read more »
If both spouses are registered as entrepreneurs and pay (or want to pay) UTII, they often attempt to optimize physical performance to fit their vmenenku.
And tax, of course, trying to prove the fictitious nature of these transactions and assess additional taxes to businessmen BASED on. Sometimes they do, sometimes not. And it's not even that "optimization" is a spouse, even if initially that is what caught the attention of inspectors. So, the tax authorities win the case in court if they are able to prove that in fact no separation of the "joint" trading object between entrepreneurs-spouses was not, the activity was conducted in one businessman throughout the sales area exceeding 150 sq. m...Read more »
The Bank of Canada is the Central issuing Bank of the country.
It was established as a joint stock company, but holders of its shares could not be commercial banks and their employees, as well as foreigners. The government of Canada during the 1935-1938 he bought from private owners owned their shares, thereby strengthening the Bank as the Central. It defines the activities of the Federal government, which appoints the Board of Directors. The Board of Directors includes the Deputy Minister of Finance. The Bank of Canada reports regularly to the Parliament on its activities.
The main functions of the Bank of Canada are: the regulation of monetary circulation and credit; the maintenance of a rate of national currency against other currencies; the mobilization of the level of prices, level o...Read more »
Credit system of Canada has a complex institutional structure, the creation of which had a strong influence credit systems of the USA and the UK. These countries aspired to strengthen its position in Canada by means of mastering national sources of financing.
Credit institutions emerged in the colonial period, the functions of bankers performed a trading company. In Canada acted in various branches of foreign credit institutions. First commercial Bank of Canada was established in 1817 – "the Bank of Monreal". Then there is a number of specialized institutions: insurance companies, trust and mortgage companies, etc.
The first world war had a strong impact on the strengthening of commercial banks, followed by a more rapidly evolving non-banking institutions: Finance company sales in ins...Read more »


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This short blog post by our pal Chev Petersen of Fish Hoek, Cape Town perfectly illustrates the Lombard Effect: Basically, it's a reflexive action where we raise our voices to a level to overcome background noises, relying on how we hear our own voice to set the level and pitch. When sensorineural hearing loss is present, the person can't hear their own voice at the proper level, which is why many hearing impaired people talk loudly when they are not wearing their hearing aids.
Interestingly, for the 5% of people who have a conductive hearing loss, the Lombard Effect also comes into play, but in the opposite direction: Because of the mechanical loss, similar to wearing earplugs, these people still hear their own voice via bone conduction at the proper level, but because ambient sounds are attenuated, these people speak softly when it's noisy — That's a tip-off to the clinician to pay close attention to the tympanometry and air-bone gaps.
Here's Chev's article in its' entirety:
In our home, you never quite know what to expect from my son…Like Sunday morning after watching movies, I made the bed and asked him to please clean his mess off the floor. His response, an aggressively loud "I'm first parking my bike…"
I really didn't understand why the sudden change in his demeanour. The one minute everything is okay, and the next he's shouting at me?
Me: "Why are you shouting at me? All I'm asking is that you clean up this mess"
Kai: Aggressively loud shouting voice "I know. I'm just parking my bike first"
Me: "No need to shout at me Kai. Why you getting so upset?"
Kai: Throwing his bike to the ground, arms folded in front of his chest, he looks me in the eyes "I'm not shouting mom! Remember, I'M DEAF!"
Me: "Excuse me, what did you just say?"
Kai: "I'M DEAF!" Pointing to his ears, I noticed that he is not wearing his hearing aids.
Me: "Hey, don't you ever use your hearing loss as an excuse for NOT listening to me! If you don't hear me then you say excuse me mommy, but don't you use it as an excuse, ever!"
Kai: "I NEVER SAID I DIDN'T HEAR YOU! SOMETIMES I JUST CAN'T HEAR IF MY VOICE IS LOUD OR SOFT. OKAY!"
This stopped me in my tracks! My son was telling me something that I never gave much thought to. How loud/soft does his voice sound to him? How many times have I not mistaken his inability to judge the loudness of his voice for rude behaviour? How many times have I not been at fault…
I savoured the moment. His assertiveness. For the first time he was giving me information about his hearing without any probing from me. Standing in front of me, my assertive 7 year old, advocating for himself and voicing his challenges!
My son, using the term deaf with such conviction, was very new to me. You see he has a hearing impairment (mild/moderate), he is not classified as deaf…but understands that most people 'get it' when you use the word deaf.
I picked him up, held him ever so tight, and thanked him for sharing this with me. I told him how proud I am of him advocating for himself, very proud! Then I reassured him that I will let him know when he is using his "shouting voice". I apologized for not knowing…I apologized for my ignorance…
My first assumption was that he was using his hearing impairment as an excuse to NOT listen to me, even though I knew he heard me. Unbeknown, he struggles with knowing whether his voice is too loud or too soft when he's not wearing his hearing aids.
I really should know better. I've lived with my dad's deafness for more than two decades. When unaided my dad speaks very loudly and sternly, he may even sound rude to those who don't know him well. And if his voice is not loud then it is inaudible! Unaided, my dad can't hear me at all…whereas Kai can still hear me, providing that there is not much noise or distance between us.
Later, I shared this epiphany with my dad and Kai just said "mom, you won't understand". My dad looked at him and they smiled at each other, the kind of smile that says "only we will understand".
- Lombard effect, speech communication and the design of large (public) spaces: Evert P J de Ruiter, academia.edu
- The evolution of the Lombard effect: 100 years of psychoacoustic research: Henrik Brumm and Sue Anne Zollinger; Behaviour, Volume 148, Issue 11-13, pp 1173 – 1198
Kai is an alumnus of the Carel du Toit Centre in Tygerberg, Cape Town. If you are looking to donate hearing aids, batteries, and other supplies to a worthy charity, this is the place: Due to South Africa's exorbitant import duties, hearing aids are horribly expensive; and only children who have a severe hearing loss are eligible to receive hearing aids from the government, leaving kids who have a moderate loss, such as Kai, in the lurch~


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Today i do my morning shit and piss into a casserole (see vendors) and package the shit for a client who pay big money to be the first who eat it today. Hope you all enjoy my new life and stay near me to know me better. The Scat Godess
Length: 2:22s Resolution: 1280x720Download Format: aviFile Size: 45 MB


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Beliefs are something we make. They are ideas we follow. They are self advice to help us through life. Advice created by the things we do. I believe in a good walk. A good walk to me is liberating. It helps ease stress or tension. It's a get away method. But it happens unexpectedly. Though when its happening you can tell.
A good walk doesn't just happen; it has to have something lead toward it. What leads me is when I wake up around nine-thirty in the morning and I'm just automatically awake. You know when your eyes just open fully and you're instantly awake. Then I get up and go into the kitchen to make a rare nice breakfast. And as in eating I notice how nice it looks outside. So when I'm done my breakfast I step outside barefoot on my driveway to analyze the weather. The heat under my feet from the concrete caused by the sun, clear sky, and birds chirping indicate that the weather conditions are beautiful. That's when I decide to go for a walk. I put on my favorite shirt, my favorite shorts, my shoes and I'm good to go. I never where boots on a walk, unless its winter time, because boots to me symbolize work and I like to feel relax and not tense. I step out the door, walking down my driveway to the street. I'm walking down route 11 with my skateboard in my right hand, not because I'm going to ride it the whole time. Just to take it along. And I have headphones on with my music playing. Calm music, not heavy music that drives you wild. Just something smooth and quiet that helps me enjoys the day more. I get to the corner on County Route 53. As a car turns onto the road. I'm walking down noticing everything around me. Seeing the trees move at the cemetery. The cloud in the sky that's shaped like a dog. I'm half way down the road and its eleven A.M.; the sun is peaking through the trees. A chipmunk just climbed up the tree. I get three forth of the way and now it's just me and the hill to Eleven B. I put my skateboard on the ground, my foot on the back of the board and push off. At this point nothing matters. It's just me and the road. Slowly I'm picking up speed, and I feel everything. The wind is hitting my face, all I hear are the wheels spinning and the song playing at that moment. My mind is blank and there isn't one thought on my mind. Just taking in everything that is happening at that time and place. There is no time. I finally reach the bottom of the hill and at the end of the road. I turn to the left and go to Keli's Deli to get a Pepsi. I walk out and just sit at the curb watching the cars go by, taking small drinks. Finally I get up to walk back down the same road and head home.
One of the nice things about a good walk is that there is never a destination. You could walk anywhere. You don't know where you're walking, you're just walking, and that's all that matters. Who knows when you're going to turn back, what path you will take? Or even where you walk. Who knows who you will meet and if they join you. Where ever it is, by the time you turn around to head back, you at peace and no longer on edge. This is why I believe in a good walk. To get away from everything and anything.
If you enjoyed this essay, please consider making a tax-deductible contribution to This I Believe, Inc.


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Sellers emerge after weak durable goods
The modest pullback seen this morning has become something far more substantial thanks to news from the US. The post-quantitative easing shine on European markets had already been taken off as the post-European Central Bank euphoria fades, but the sellers have emerged from their bunkers after days of sheltering, encouraged by durable goods numbers that were very weak and an earnings season that has been very much below par.
International Consolidated Airlines Group SA (LSE) and easyJet are still holding on to some of their gains from the morning but have seen their wings clipped as the session moves into 'risk off' mode. Meanwhile, solid dividend stocks like Centrica, United Utilities and SSE are back in demand, even though price cuts are the fashion right now for utility stocks, while gold miners like Randgold are moving up thanks to a rally in the price of the metal that has seen it move back above $1290.
Underwhelming US earnings encourage selloff
Those looking for someone to blame for the selloff can find a number of possible targets this afternoon. The picture had already been clouded by Microsoft's figures last night, but sentiment took a further knock as durable goods orders slumped, with grave ramifications for US growth numbers for the final quarter. Improvements in consumer confidence and new home sales were nothing compared to this unpleasant surprise. Meanwhile the distinctly underwhelming tone of earnings season got worse with a big miss on earnings from Caterpillar and a deterioration in Procter & Gamble's numbers as well. The World Bank's warning from just two weeks ago looks very prescient now, as a hitherto strong performance from the US begins to weaken. The world can ill afford Uncle Sam catching a cold.
Gold's support stabilises
So far, 2015 has taught investors to love gold again, and despite a wobble yesterday that newfound affection appears stable. After testing the water below $1280 yesterday the metal has come storming back today thanks to the dire news from the US, helped on its way by Morgan Stanley pushing back its call on US rate hikes into 2016.
Growth fears meant that copper took a hit once again, reversing much of yesterday's move, although oil remained in positive territory.
Dollar weakens after slump in US economic performance
It was a tale of dollar weakness this afternoon for GBP/USD and EUR/USD. A Greek election was supposed to cause market ructions but as usual it was an entirely unforeseen development, namely a slump in US economic performance, that has created greater excitement. It has been almost two months since the euro saw back-to-back daily gains against the dollar, while sterling was able to puncture the $1.52 level again despite a GDP reading for the UK that was of rather mixed quality.


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Skip to comments.NYS Primary Day! Call to Action!
Posted on 09/13/2012 5:56:05 AM PDT by lowtaxsmallgov
'TROY, N.Y. Before State Senator Roy J. McDonald, a Republican, voted last year to legalize same-sex marriage, he told reporters that anyone unhappy with his position could take the job and shove it.
Now comes the test.'
'Mr. McDonalds challenger, Kathleen A. Marchione, the Saratoga County clerk, is running an insurgent campaign, dialing voters from a windowless office next to a Subway sandwich shop. She accuses Mr. McDonald of having deceived the voters who elected him by changing his position on same-sex marriage, which he voted to oppose in the past.
People feel betrayed, Ms. Marchione said. Ive heard that a lot that they feel betrayed by our senator, that you said one thing, you do something else. '
(Excerpt) Read more at nytimes.com ...
Saland is a joke: Many years ago when he was a state assemblyman (where the GOP is a minority), he was a supporter, if not co-sponsor, of legislation for term limits. He was then elected to the state senate (the GOP is the majority), where he has been a do-nothing brown nosing RINO since 1990. In other words, he supported term limit legislation when he knew the proposal would never pass, but has been stone silent on the issue since moving to the state senate where he is in the majority and could actually do something to enact term limits.
He also crushes his balls on the proverbial fence on abortion: He's personally against it, but can't legally stop it, and that apparently gives him a license to hand out taxpayer dollars to PP.
He's also corrupt in that his law firm just so happens to provide legal services in one form or another to many of the GOP controlled municipalities in his district. I'm not saying that he is personally taking a bribe, rather, with a wink and a nod, the governing bodies of these municipalities know that if they want state funds for pet projects, they need to hire Saland's law firm to provide legal services to the municipality, planning board, and/or planning board etc. The laughable part is that he is constantly telling us about the need for ethics reform in the state capital, when a truly ethical person doesn't need laws to tell him or her that it is wrong to use a public position for private gain.
What a jerk.
"Sometimes, less than 1% of the people vote in primaries
Your vote is worth 100 votes
You can get rid of a RINO and select a TEA party candidate DURING THE PRIMARIES"
I can certainly believe my vote is worth 100 votes, or more! When I vote there are no other voters, and the poll worker laughed when I told her how powerful I felt!
Here's a NY Tea Party that supports Kathy Marchione, and check out who else they support:
It is imperative that every traditional marriage supporter in the NY 41st Senate distict get to the polls before 9:00. If you are registered Republican or Conservative you can vote in this primary election. Please help send Roy packing and send Kathy Marchione to Albany.
Thats our site, we are TEA New York. I am just the loud moth for WNY...
Hey guy, I am at the Victory Party in HalfMoon right now checking out results, it's looking pretty good. Optimistic.
Did a Sign Wave with A2Z in HalfMoon this afternoon, lots of positivity.
"Thats our site, we are TEA New York."
You guys have a great group which represents VERY important conservative values. I'll pass along the link to the website again.
btw, I heard that the election results tonight might take longer because of absentee ballots, and the way WGY radio said it, it sounded like they meant the Marchione/McDonald race only. I hope this isn't a "here we go again" night.
It appears Grisanti and Maziarz pulled it out... But one shining light, a friend Dave DiPoetro won Assembly seat.
I have to look for the rest to see.
I hope it isn't a long night.
Rigth now we have reform conservative Marchione leading RINO liberal enabler McDonald 6486-6400. Columbia and Rensselaer have all reported and we won both, but trail in Saratoga with a few still to report. Nothing in from Washington yet, but there are only a few polls there. Probably 95% reported district wide.
Marchione leads by 138 with 264 of 266 reported.
Do you have an idea about the absentee ballots might run?
With 99 percent of the vote in, Marchione was ahead with 51 percent of the votes, 6,817 to 6,679, according to The Associated Press.
McDonald losing
Part of my email from NOM (Nation for Marriage)
"Marriage was redefined in New York because of six turncoat
> Senators, and we vowed we would not rest until they were removed
> from office. We've now taken out four of the six who betrayed
> marriage, and we're going to finish the job with the remaining
> two!
> When marriage was redefined, Andrew Cuomo and his billionaire
> friends like Paul Singer and Michael Bloomberg said they'd
> protect anyone who voted against marriage from political harm.
> Now look at the political carnage they have wrought. Four of
> their six Senators are on their way out, and the other two will
> be soon.
"But one shining light, a friend Dave DiPoetro won Assembly seat."
Congrats! In NYS, every conservative win is sweet.
Let's hope we win with Kathy Marchione, too. Now they say the absentee ballots will be counted by 9/20, but I'm not holding my breath.
Also, the Dem candidate, Robin Andrews, is "married" to someone of the same-sex. Please check out next two excerpts:
"COLUMBIA COUNTY Yesterday, Claverack Town Supervisor Robin Andrews filed petitions containing over 2,100 signatures to become the official Democratic Candidate for the 43rd State Senate District."
excerpt http://robinandrews.org/news/
Robin grew up in Springfield, Massachusetts. Her parents were both involved in social work and counseling, so she has long known the value of listening. She has lived in Philmont, within the town of Claverack, in the heart of Columbia County since 1998, with Chris Lastovicka and their cats. In 2011, on their 15th year anniversary, Chris and Robin married after the passage of the Marriage Equality Act. Chris is a composer and web designer. When she can, Robin also loves to sing."
excerpt http://robinandrews.org/about-robin/
So if the same-sex agenda types want to help McDonald, why is a lesbian running against him as the Dem candidate? Who are the same-sex "marriage" people going to send their campaign money to now?
Will they throw Roy McDonald under the bus?
Of course, we hope Marchione wins the GOP, but Roy McDonald will still be running under the Independence Party.
Weekly Standard has a brief comment on the results:
Here's an interesting comment from a Reuters article
"If all three candidates win it shows that it's safe for candidates and increasingly safe for Republicans to vote for the freedom to marry," said Marc Solomon, national campaign director for Freedom to Marry, an advocacy group for the right of same-sex couples to wed.
If the senators lose, Solomon said, "It won't help."
That explains why Kathy and Neil's primaries were so important, it was the front line in the fight for Traditional Marriage.
Thanks to all who helped out. It's going to come down to the wire in both races.
"Will they throw Roy McDonald under the bus?"
They're running a GBLT agaisnt him? That's rich! Of course they'll throw McDonald under the bus! McDonald is unreliable, the essence of what people despise most about politicians. He is a traitor to us, why would the GBLTs trust him any more than we do? Why would anyone trust him - on anything?
"Theyre running a GBLT agaisnt him? Thats rich! .."
You can't make this stuff up.
When I heard a reporter mention it on one of the Capital District tv stations, I couldn't believe my ears, so I looked it up myself, and sure enough.........
Now who will the homosexuals give their money to? One of their own, or Roy McDonald. This is poetic justice.
Also, we need to continue to help Kathy Marchione, because whatever happens, she will still be on the NY Conservative Party line, but of course, it will be better if she wins the GOP nomination as well.
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