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Around The World For Free - Episode 51: Day 93
Charlene puts Jeff on a train for a day trip to Brussels, Belgium and he puts in a full day exploring the city and making a one-of-kind chocolate ‘creation’ in master chocolatier Wittamer’s workshop
Novak Djokovic paré pour un nouveau triplé

Novak Djokovic, implacable vainqueur d'un troisième titre à Wimbledon dimanche, a prouvé qu'il était bien le meilleur tennisman du moment et peut regarder avec gourmandise l'US Open où un nouveau triplé “Majeur” lui tend les bras en septembre.

En dominant pour la deuxième année consécutive Roger Federer en finale dans  le jardin londonien du Suisse, Djokovic a cimenté son statut de N.1 mondial et  franchi quelques caps historiques. Avec neuf titres du Grand Chelem, il a  dépassé les légendaires Jimmy Connors, Andre Agassi et Ivan Lendl (8). Il a aussi égalé son entraîneur allemand Boris Becker, couronné à trois  reprises dans le temple du tennis. S'il continue à cette allure, le Serbe,  lauréat de son deuxième grand tournoi de la saison après l'Open d'Australie,  peut même faire mieux que Pete Sampras et Rafael Nadal, 14 titres chacun, d'ici  trois ans.

A 28 ans, le “Djoker” a encore de “belles années devant lui” et veut  “repousser au maximum ses limites”, a-t-il assuré dimanche après avoir embrassé  la coupe dorée du All England club et savouré, au sens gustatif du terme, un  peu de l'herbe du “Centre court”. Draconien sur son régime alimentaire, depuis qu'il s'est découvert une  intolérance au gluten en 2010, Djokovic devient glouton lorsqu'il s'agit de  tournois de tennis. Depuis le début de la saison, il en a gobé six: Melbourne,  Indian Wells, Miami, Monte-Carlo, Rome et Wimbledon. Si son appétit vorace n'avait pas calé sur Stan Wawrinka en finale de  Roland-Garros, il aurait pu partir à la chasse au gibier new-yorkais avec la  perspective, comme Serena Williams, de réaliser le Grand Chelem sur une année  calendaire.

Soulever les quatre trophées majeurs en une saison, personne ne l'a fait  chez les hommes depuis l'Australien Rod Laver en 1969. Pas même ses encombrants  rivaux Federer et Nadal. Djokovic devra, au mieux, se contenter de trois, ce qui (…)

Lire la suite sur francetv sport
Deuxième titre en deux jours pour Hingis à Wimbledon
Djokovic au-dessus du lot
Djokovic-Federer : des retrouvailles sur fond de revanche
Minister Holder Announces Legacy Investment in Research To Create Life-Saving Cells, Tissues and Organs

TORONTO, ONTARIO–(Marketwired - Jul 28, 2015) - Tri-Agency Institutional Programs

Canadians could soon see new treatments and cures for serious diseases and injuries such as blindness, cancer, diabetes, heart and liver disease thanks to a legacy investment by the Government of Canada into a new, world-leading medical research program at the University of Toronto. This investment will save lives while creating high-value Canadian jobs and helping to grow the medical industry in Canada.

The Honourable Ed Holder, Minister of State (Science and Technology), accompanied by Bernard Trottier, Member of Parliament, Etobicoke-Lakeshore, made the announcement as part of the government’s Canada First Research Excellence Fund, which supports world-leading research at Canada’s universities and colleges.

The $114 million federal investment for the “Medicine by Design” initiative draws on the strengths of Canada’s top health research, medical institutions, businesses and organizations, including partners such as the Ted Rogers Centre for Heart Research, the Ontario Institute for Cancer Research, and the Centre for Commercialization of Regenerative Medicine. This is the largest single research investment in history at the University of Toronto.

Medicine by Design will strengthen Canada’s position as a global leader in the field of regenerative medicine. Already a recognized global force in areas such as stem cell biology, biomedical engineering, nanotechnology, imaging, and cell and organ transplantation, the University of Toronto will further cement its leadership role as this project aims to use stem cells to treat and cure a range of injuries and chronic degenerative diseases.

Today’s announcement follows an open and competitive selection process among Canadian post-secondary institutions. The competition was judged by a panel of Canadian and international scientific experts.

Quick Facts

  • Launched in December 2014 by Prime Minister Stephen Harper, the Canada First Research Excellence Fund will invest $1.5 billion over seven years to propel Canadian colleges and universities to excel globally in research areas that create long-term economic advantages for Canadians.
  • Today’s award is part of the Fund’s first $350 million competition.
  • The Fund is administered by the Social Sciences and Humanities Research Council of Canada (SSHRC) on behalf of the three granting agencies: the SSHRC, the Natural Sciences and Engineering Research Council of Canada, and the Canadian Institutes of Health Research.
  • Since 2006, the Government has invested more than $13 billion in new resources to support basic and applied research, talent development, research infrastructure, and innovative activities in the private sector.
  • As set out in Economic Action Plan 2015 and the renewed science, technology and innovation strategy, the Government is committed to supporting world-class research talent and infrastructure that is essential to advanced discoveries in both the public and private sectors.

Quotes

“Our government is investing in research and innovation to create jobs, strengthen the economy and improve the quality of life of Canadians. This legacy investment in Medicine by Design will harness Canada’s strengths in regenerative medicine to treat and cure serious injuries and diseases that impact every Canadian family while creating new opportunities for Canadian health-related businesses.”

-Ed Holder, Minister of State (Science and Technology)

“The Canada First Research Excellence Fund has provided Canadian post-secondary institutions with an unparalleled opportunity to take their leading-edge research and make it the best in the world. This will set them on course to make the ground-breaking discoveries that will enhance prosperity and change the lives of Canadians and millions around the world forever.”

-Ted Hewitt, President, Social Sciences and Humanities Research Council of Canada; and Chair, Canada First Research Excellence Fund Steering Committee

“This historic award will strengthen the University of Toronto’s position, in partnership with our affiliated hospitals, as a world leader in regenerative medicine. I thank Minister Holder and the Government of Canada for their support of our brilliant researchers and clinicians, and I thank them for their leadership in the advancement of globally competitive Canadian research and innovation. The Canada First Research Excellence Fund is a key factor in the success of our leading research universities. It is also a necessary component ensuring Canada’s long-term capacity for innovation.”

-Meric Gertler, President, University of Toronto

“Stem cells offer avenues to treat-and perhaps cure-devastating and costly illnesses such as cardiovascular disease, diabetes, blindness, lung disease, neurodegenerative disorders, and diseases of the blood and musculoskeletal system. Medicine by Design provides a framework to design the cells, the materials and, ultimately, the clinical strategy needed to reach this goal.”

-Dr. Peter Zandstra, Canada Research Chair in Stem Cell Bio-engineering, Professor in U of T’s Institute for Biomaterials and Biomedical Engineering

Additional Links

More About the Canada First Research Excellence Fund

Seizing Canada’s Moment: Moving Forward in Science, Technology and Innovation 2014

Medicine by Design

Follow us on Twitter: @industrycanada @sshrc_crsh #cfref #apogéecanada

Sensex closes 102 points down

Mumbai, July 28 (IANS) A benchmark index of Indian equity markets, the 30-scrip Sensitive Index (Sensex), on Tuesday provisionally closed 102.15 points or 0.37 percent down.

The wider 50-scrip Nifty of the National Stock Exchange (NSE), too, closed in the red – 24 points or 0.29 percent in the negative territory at 8,337 points.

The Sensex of the S&P Bombay Stock Exchange (BSE), which opened at 27,630.21 points, closed at 27,459.23 points (3.34 p.m.), down 102.15 points or 0.37 percent from the previous day’s close at 27,561.38 points.

The Sensex touched a high of 27,676.65 points and a low of 27,416.39 points during intra-trade.

No wholesale changes to DHBs: Coleman

Health Minister Jonathan Coleman has ruled out making “wholesale changes” to the district health board structure.

Dr Coleman says a shake-up of how DHBs and run and funded isn’t “anywhere near” the top of his list of priorities.

He also hasn’t considered putting more government appointees on DHBs, at the expense of elected members.

“I think that democracy is really important because in the end you’re providing services for the community, so it’s really important the community has input to that,” Dr Coleman told reporters on Tuesday.

“I don’t see any change to the current arrangements occurring - that would be a debate well down our list of priorities.”

The assertion comes amid further media reports that changes to the way DHBs are funded are being mulled.

Radio New Zealand has obtained a leaked document which details proposals to make DHB funding more competitive.

On Monday, Radio New Zealand revealed details about a report, commissioned by the director-general of health, that proposed slashing elected positions on DHBs.

Prime Minister John Key said he didn’t think the government would be advancing that idea.

SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Fiat Chrysler Automobiles N.V. - FCAU

NEW YORK, NY / ACCESSWIRE / July 27, 2015 / Pomerantz LLP is investigating claims on behalf of investors of Fiat Chrysler Automobiles N.V. (“Fiat Chrysler” or the “Company”) (FCAU). Such investors are advised to contact Robert S. Willoughby at rswilloughby@pomlaw.com or 888-476-6529, ext. 9980.

The investigation concerns whether Fiat Chrysler and certain of its officers and/or directors have violated Sections 10(b) and 20(a) of the Securities Exchange Act of 1934.

On June 28, 2015, Fiat Chrysler issued a recall of approximately 7,700 Jeep Grand Cherokee and Dodge Durango SUVs for potential braking and other problems, instructing the owners of the 65 vehicles known to have already been sold to immediately stop driving them.

On this adverse news, Fiat Chrysler shares dropped to $14.86, or 4.68%, on intraday trading on June 29, 2015.

On Sunday, July 26, 2015, the National Highway Traffic Safety Administration (NHTSA) announced the imposition on the company of a record $105 million fine for recalls affecting more than 11 million vehicles. The NHTSA penalties are tied to legal violations in an array of areas, including misleading regulators, inadequate repairs, and failing to alert car owners in a timely manner.

On this news, Fiat Chrysler shares have dropped as much as 0.89, or 5.87%, on intraday trading on July 27, 2015.

The Pomerantz Firm, with offices in New York, Chicago, Los Angeles, and Florida, is acknowledged as one of the premier firms in the areas of corporate, securities, and antitrust class litigation. Founded by the late Abraham L. Pomerantz, known as the dean of the class action bar, the Pomerantz Firm pioneered the field of securities class actions. Today, more than 70 years later, the Pomerantz Firm continues in the tradition he established, fighting for the rights of the victims of securities fraud, breaches of fiduciary duty, and corporate misconduct. The Firm has recovered numerous multimillion-dollar damages awards on behalf of class members. See www.pomerantzlaw.com.

SOURCE: Pomerantz LLP

BT erfarer: Her er Brøndbys nye angriber
Den tidligere Randers-angriber Ronnie Schwartz er milimeter fra at skifte til Brøndby på en lejeaftale fra franske Guingamp.

Foto: Henning Bagger

Best Friends Animal Hospital of Winnipeg Announces the Addition of Two New Veterinary Assistants to Practice

WINNIPEG, Manitoba, July 26, 2015 (GLOBE NEWSWIRE) – Dr. Gould of Best Friends Animal Hospital in Winnipeg, Manitoba, is excited to announce the addition to two new veterinary assistants to the practice. “The two new assistants are Megan Brabant and Haley Dempsey,” says Dr. Gould, “and we are excited to have them here providing new smiles and helping hands for the pets we care for. The two newest members of our team join a robust group of people who are all dedicated to the health, comfort and wellbeing of the animals we treat.”

Best Friends Animal Hospital of Winnipeg, Manitoba, has recently added two new members to the team as veterinary assistants.

Megan Brabant is a recent graduate of the Veterinary Office Assistant program and has cared for various animals throughout her life. She grew up with a wide range of pets and now has three cats and two dogs of her own. She is looking forward to getting to know the Best Friends Animal Hospital animals and their owners.

Haley Dempsey is in her second year of Red River College’s Animal Health Technologist program and recently completed her practicum at Best Friends Animal Hospital where she was offered a permanent position on the staff shortly afterwards. She is the proud owner of a seven year old black lab named Bella. She enjoys being surrounded by animals and loves her role at Best Friends.

Dr. Gould is excited about each addition to the Best Friends Animal Hospital Family, saying “Each new veterinary assistant loves the animals we treat. You can see it in the way they interact with the animals and the great care they take when treating them. I believe they are each outstanding additions to our great team.”

The animal hospital offers many different preventative treatments and services in addition to emergency treatments, surgeries and services. Best Friends Animal Hospital offers treatment for the entire life of family pets paying special attention to the needs of aging pets who may need more specialized treatments and attention from care providers.

Both Megan and Haley will be part of various treatments performed at the clinic helping to soothe and comfort the pets being treated and providing assistance to the veterinarian. “Veterinary assistants play vital roles in the care we are able to provide to the pets we treat,” says Dr. Gould. “We believe we’ve made the perfect choices for this important responsibility.”

About Best Friends Animal Hospital

Best Friends Animal Hospital, located on McGillivray Boulevard in Winnipeg, Manitoba, is dedicated to the treatment of a wide range of household pets of the furry, feathery and even scaly variety. Services available include surgical and medical services, laser therapy, behavioral therapy, nutritional counseling, vaccination, general healthcare, pain management and more.

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Sensex closes 102 points down

Mumbai, July 28 (IANS) A benchmark index of Indian equity markets, the 30-scrip Sensitive Index (Sensex), on Tuesday provisionally closed 102.15 points or 0.37 percent down.

The wider 50-scrip Nifty of the National Stock Exchange (NSE), too, closed in the red – 24 points or 0.29 percent in the negative territory at 8,337 points.

The Sensex of the S&P Bombay Stock Exchange (BSE), which opened at 27,630.21 points, closed at 27,459.23 points (3.34 p.m.), down 102.15 points or 0.37 percent from the previous day’s close at 27,561.38 points.

The Sensex touched a high of 27,676.65 points and a low of 27,416.39 points during intra-trade.

3 Things Every Successful Financial Plan Should Have

Source: Social Security Administration via Facebook.

Americans know they should be saving early and often for retirement, but their intentions aren’t necessarily translating into bottom-line results.

Last year, Financial Finesse released a study that examined the overall state of Americans’ retirement preparedness. The primary finding was that very few people describe themselves as being “on track” to reach their retirement goals. Although the percentage of respondents who described themselves as on track rose to 19.7% in 2013 from 16.6% in 2011, this still means 80% of respondents are, in some way, coming up short. That’s a terrifyingly large figure!

Three things all successful financial plans should have While there are multiple reasons why Americans are coming up short in the savings department, most of them can be traced back to an insufficient financial plan. Just as the name implies, a financial plan is your blueprint for success. It marks down all the tangible and intangible things you need to do in order to live the way you want come retirement.

The way I see it, there are three things that every successful financial plan possesses: measurable written goals, a distribution plan, and a wealth transfer blueprint.

1. Measurable written goals When I worked in the retail industry, one of my first lessons involved goal-setting – specifically the SMART strategy of goal setting. SMART stands for:

Specific Measurable Attainable Relevant Time frame

The SMART strategy involves formulating clearly defined goals so you can easily measure progress. Writing your goals down can be especially important, as a study from Dr. Gail Matthews at Dominican University in California showed that people who wrote down their goals were 42% more likely to achieve them compared to people who didn’t write down their goals.

Source: Social Security Administration via Facebook.

Here’s how the SMART method can help you formulate your financial plan:

Specific: Your plan should be specific in that it contains a concrete retirement number, and perhaps an age by which you’d like to reach that retirement figure. Measurable: Your financial plan should have a game plan that allows you to measure your progress so that adjustments can be made as necessary. Remember that our paths to retirement are rarely straight lines, so we need to be able to adjust as we deal with complications – like buying a home or paying for college. Also, keep in mind that you can’t win all the time (e.g., there will be down years in the stock market), but that shouldn’t deter you from sticking with your plan over the long term. Attainable: Your plan should be realistic and achievable. There’s nothing wrong with wanting $1 billion in 10 years, but the chances of that happening are probably very low. Instead, set a reasonable target that can be adjusted when you reach it in either the short- or long-term. Author Tom Corley, who is an expert in examining the traits of self-made millionaires, notes that a majority of self-made millionaires need more than three decades to amass $1 million in wealth. Relevant: Your goals should matter to you, because goals that excite you are ones that you’re more likely to strive for. If traveling the world for a year in retirement is a goal, and you know you’ll need “X” amount of dollars to make that happen, then you’re more likely to formulate a plan and stick to it in order to make your dream a reality. Find out what makes you passionate about retirement and stick to it. Time frame: Lastly, have a pretty specific time frame in mind when creating your financial plan. As noted above, your path to retirement will likely encounter a number of twists and turns which might alter your time frame, but it’s important to have markers along the road with which to measure your progress.

2. A clear distribution plan Once you have clearly written, measurable goals, the next step in crafting the perfect financial plan is creating a well-defined distribution plan for your money during retirement.

A recent study from Pentegra Retirement Services of 1,530 people, all of whom are still working, showed that a whopping 56% don’t have distribution plans for accessing their money once they retire. That’s a big problem, because retirees without distribution plans may wind up paying far more in taxes than they need to. Even worse, without a distribution plan retirees may not correctly space out their withdrawals and could burn through their nest eggs too quickly.

Source: Social Security Administration via Facebook.

So how should you formulate your distribution plan? To begin with, write it down ! If you write your plan down you’ll be more likely to stick to it come retirement.

Another important step for pre-retirees is to make a gradual transition from working life to retired life. It’s possible that your monthly Social Security and retirement/investment income may not be on par with what you brought in every month when you were working. Some retirees struggle to adjust when their incomes suddenly drop upon retirement. Make a concerted effort to live on a reduced budget months, or even years, prior to retirement so you’re ready when you officially make the transition.

Also, look for ways to make regular retirement account withdrawals that can also minimize your tax liability. For example, a Roth IRA allows your money to grow completely free of taxation as long as you don’t make any unqualified withdrawals before age 59-½ and the money you contribute stays invested for a minimum of five years.

Additionally, a Roth IRA has no minimum required distribution. This means you can allow your money to continue to compound if you won’t need it right away, unlike a Traditional IRA, which requires a minimum withdrawal to be taken annually starting at age 70. You can also continue to contribute a Roth IRA past the age of 70.

3. A wealth transfer plan upon your passing Lastly, a strong financial plan will contain a blueprint for what should happen to your wealth once you’ve passed on.

Source: Flickr user Mark Moz.

If your estate winds up going through probate, the outcome is anyone’s guess – and there are often fees and taxes galore during the process that could deny your loved ones a notable percentage of the wealth you built up over your lifetime. Instead, the best financial plans have a will or trust in place that help preserve accumulated wealth and act as guides for how much your designated beneficiaries should receive, and when they should receive it.

A will goes into effect once a person has passed away, and it tends to cover the distribution of the entirety of a person’s assets (money, property, you name it!), as well as name guardians for your children should you have any. On the other hand, a trust  typically focuses on one primary asset (e.g., a life insurance policy) rather than the full gamut of assets that a will may cover.

Trusts fall into two categories: either revocable or irrevocable. An irrevocable trust is one in which the assets are no longer yours, and any changes you wish to make have to be approved by the beneficiary. The upside is that irrevocable trusts aren’t subject to estate taxes. A revocable trust allows to you retain control of your assets and make changes at any time, but you’ll lose the tax benefits since these assets are included in your estate for federal estate-tax purposes.

In addition to the possible tax savings associated with a wealth transfer plan, you can ensure that your wishes are met by setting up distributions to loved ones at regular intervals or when they hit certain ages. Doing so can ensure a teenager or young adult doesn’t blow his or her inheritance on something silly. Spacing out their inheritance over many years allows their own financial wisdom to build, putting them on the right track to retirement.

How one Seattle couple secured a $60K Social Security bonus – and you can too A Seattle couple recently discovered some little-known Social Security secrets that can boost many retirees’ income by as much as $60,000. They were shocked by how easy it was to actually take advantage of these loopholes. And although it may seem too good to be true, it’s 100% real. In fact, one MarketWatch reporter argues that if more Americans used them, the government would have to shell out an extra $10 billion… every year! So once you learn how to take advantage of these loopholes, you could retire confidently with the peace of mind we’re all after, even if you’re woefully unprepared. Simply click here to receive your free copy of our new report that details how you can take advantage of these strategies.

Firma motoryzacyjna chce zatrudnić ponad 250 osób|||Firma motoryzacyjna chce zatrudnić ponad...

Zatrudnienie ponad 250 nowych pracowników zapowiedział Zakład Elektrotechniki Motoryzacyjnej w Ełku. Powodem ogłoszenia tak dużej rekrutacji jest podpisanie kontraktu na produkcję wiązek elektrycznych dla GM Motor Poland w Gliwicach.

Real : Man Utd ne lâche pas Ronaldo

Déjà évoqué à plusieurs reprises ces derniers mois, l'hypothèse d'un retour de Cristiano Ronaldo (30 ans, 35 matchs et 48 buts en Liga en 2014-2015) à Manchester United refait surface ce vendredi en Angleterre. Selon le Manchester Evening News, les Red Devils tentent toujours de récupérer l'attaquant portugais, six ans après l'avoir cédé au Real Madrid pour 94 millions d'euros. Le club mancunien espère visiblement profiter de l'arrivée chez les Merengue de Rafael Benitez, qui a déjà eu un petit accrochage avec son joueur à l'entraînement (voir ici).Mais, pour le moment, un départ de CR7 n'est pas à l'ordre du jour dans la capitale espagnole.
Retrouvez cet article sur Maxifoot.fr
Real : l'agent de Benzema scelle son avenir OM : Manquillo attendu en prêt ! OM : accord trouvé avec L. Diarra ! PSG : Lyon dément pour Lacazette

No reinforcements needed at Chelsea - Mourinho

Chelsea first-team manager Jose Mourinho insists that his team ‘don’t have fragilities’, and don’t need any other players, ahead of the new Premier League season.
狠!女友懷孕後分手 前男友藉故「還東西」持刀挾人

被挾持的郭姓孕婦,今年27歲,和家人住在新北市汐止,今年初和李姓男子認識後交往,在台南同居一段時間也懷孕了,兩個月前分手,凌晨12點多,李姓男子藉故說要把東西還給郭姓孕婦,沒想到竟然把人擄走。
Charter Financial Declares Regular Quarterly Cash Dividend

Charter Financial Declares Regular Quarterly Cash Dividend

WEST POINT, Ga., July 23, 2015 (GLOBE NEWSWIRE) – Charter Financial Corporation (NASDAQ:CHFN) today announced that its board of directors has declared a regular quarterly cash dividend of $0.05 per share. The dividend is payable on August 24, 2015, to stockholders of record as of August 10, 2015.

Charter Financial Corporation is a savings and loan holding company and the parent company of CharterBank, a full-service community bank and a federal savings institution. CharterBank is headquartered in West Point, Georgia, and operates branches in west-central Georgia, east-central Alabama, and the Florida Gulf Coast. CharterBank’s deposits are insured by the Federal Deposit Insurance Corporation. Investors may obtain additional information about Charter Financial Corporation and CharterBank on the internet at www.charterbk.com under About Us.

CONTACT: Robert L. Johnson, Chairman & CEO
         Curt Kollar, CFO
         706-645-1391
         bjohnson@charterbank.net or
         ckollar@charterbank.net

         At Dresner Corporate Services
         Steve Carr
         312-780-7211
         scarr@dresnerco.com
Source: Charter Financial Corporation