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Family & Local History Help
Do you need research help or assistance with a local or family history enquiry? Book a one on one appointment with a Local History Library Officer. Whether you're a beginner or further along in your journey, our Local History staff and volunteers can assist you.
Contact your library to book an appointment during the available times:
- Aldinga Library: Monday 10am-12pm
Phone 8384 0022 to book an appointment.
- Hub Library: Tuesday 10am-12pm
Phone 8384 0100 to book an appointment.
- Noarlunga Library: Tuesday 2-4pm
Phone 8384 0655 to book an appointment.

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Private Ski lessons with highly qualified instructors. Altitude’s experienced and internationally qualified instructors will design the lesson to your exact requirements and provide you with an exceptional level of service.MORE INFO
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Walking along the Bisse du Levron
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I, Pariah is coming off of a successful 2019/2020 from supporting bands such as Cattle Decapitation, Fit For An Autopsy, Slaughter To Prevail, and Suicide Silence with releasing the first single “Criminal” from the debut full-length album “Dystopian Visions.” We are proud to be debuting the music video for “Criminal” via Slam Worldwide!
I, Pariah formed in early 2016 and released two crushing singles (Endure, Lay Waste) through producer Cory Spotts (Job For a Cowboy, Knights of the Abyss, and Greenly Estates). After solidifying a lineup in late 2016, I, Pariah began performing and working on their debut EP War Engine.
In June of 2017 the band released their debut music video "Kingdom of Lies" (directed by Lance Gergar) to much acclaim. A release date was announced for July 22nd. of 2017 for their debut Ep War Engine, produced by Jeremy Davis (Guitarist @ Animus Complex, produced Dead World Reclamation, Singularity, and The Ephemeral). Once War Engine was released I, Pariah began branching out of Phoenix, Arizona, and supported the release with an early west coast March tour.
In 2019 I, Pariah released their second EP with producer Hiram Hernandez (West//Ghost, Glass Cloud, and All Time Low) entitled HATE | PRAYER. Subsequently I, Pariah toured and supported their sophomore release across the United Stated on the "Death From the West" tour. I, Pariah has since then supported bands such as Cattle Decapitation, Fit For an Autopsy, Slaughter to Prevail, Suicide Silence, Upon A Burning Body, Winds of Plague, Prison, Entheos, Rivers of Nihil, and Traitors. In 2020 I, Pariah completed their third album and debut full length album entitled "Dystopian Visions" with an expected release date of early 2021 featuring guest spots by Chaney Crabb (Entheos) and Andy Thomas (Black Crown Initiate)
Origin: Phoenix, AZ
Years Active: 2016- Present
Reviews - Interviews - Promo - Radio Play


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Since 2013, France’s private equity fundraising has been picking up. French private equity players, members of the Association Française des Investisseurs pour la Croissance (the French private equity and venture capital association) (“AFIC”), raised €8.1bn in the first half of 2017, and €14.7bn in 2016 (a 51% increase as compared to 2015), confirming the resurgence of activities recorded since 2012 (€5bn in 2012, €8.2bn in 2013, €10.1bn in 2014 and €9.7bn in 2015).
Of this total €14.7bn raised through 127 vehicles, €4bn came from just one Paris-based private equity firm, Ardian, which demonstrated that the French private equity market has gained world-class players.
During the first semester of 2017, funds raised from French investors increased to €5.4bn from €3.2bn in the first semester of 2016, and now represent 67% of total funds raised. The financing of French funds came mainly from the public sector (23%), insurance companies (20%), individuals and family offices (19%) and corporates (9%).
Olivier Millet, the chairman of AFIC, says: “French private equity activity in the first half of 2017 confirms the excellent 2016 figures. Funds raised, the number of companies funded and market liquidity through successful exits continue to trend-up, despite the French presidential and legislative elections during the period, which generally encourage investors to “wait and see”. Measures announced by the French government should create a favourable environment for funneling considerably more savings into financing start-ups, SMEs and mid-caps. They should enable companies to open up their capital more extensively to fund their transformation and ultimately create more mid-caps. The growth trajectory in recent years of the French private equity sector has not only brought within reach the objective of a two-fold increase in annual fundraising to €20bn by 2020, but has also positioned it to become Europe’s leading market.”2
Encouraged, among other things, by low interest rates, French investment funds are now turning to equity bridge financings.
Equity bridge financing is an effective and powerful tool to manage capital calls. It allows the management company to call investors on a specified date, for example, once or twice a year. In the meantime, it allows investors to better anticipate capital calls.
Equity bridge financings also enable the management company to simplify the implementation of investments, since the management company is no longer bound by the time period stated in the By-Laws of the Fund and granted to the investors in order to pay their capital calls. It avoids the situation where the fund calls the investors’ undrawn commitments while the deal does not go through, or where one or more investors default in paying their undrawn commitments. This form of bridge financing gives a fund the certainty that the portion of the purchase price of an investment, to be funded from the investors’ capital calls, is available when the purchase price has to be paid. Equity bridge facilities enable management companies to close acquisitions quickly, without relying on the capital commitments of investors.
Finally, it improves the competitiveness of funds by increasing the funds’ IRRs. The calculation is simple, since the investors will usually only be called one or twice a year, after the investments have been made. The yield is therefore calculated over a reduced duration.
Contrary to English and US funds, French funds for professional investors (typically structured either by way of a Fonds Professionnel de Capital Investissement (“FPCI”), a Fonds d’Investissement Professionel Spécialisé (“FIPS”) or a Société de Libre Partenariat (“SLP”)), started using bridge loans only recently.
Bridge loans facilities are specific types of products, but have become increasingly popular in the French fund finance market in the last four years. There is no publicly available data for the French fund finance market (or indeed, any fund finance market given the private and confidential nature of these types of transactions). However, we set out below the deals which have been published in the past years.
We note that in 2014, Natixis set up an equity bridge financing in an amount of €350m for funds managed by Antin Infrastructure. In June 2014, PAI Partners put in place equity bridge facilities of €600m granted by Lloyds Bank for its funds PAI EUROPE VI, refinanced in July 2016 by a second equity bridge financing of €960m granted by Crédit Agricole Corporate and Investment Banking and BNP Paribas Fortis SA/NV. In April 2016, Crédit Agricole Corporate and Investment Banking granted an equity bridge financing in an amount of €300m to Apax France IX. In 2016, Astorg Partners put in place an equity bridge financing made available to Astorg VI, managed by Astorg Assets Management. Investment funds in France are increasingly showing interest in this new form of financing.
In any event, on the basis of the information we have, we believe that the size of the equity bridge finance market for 2017 in France was around €6bn.
Changes in French law
From a legal standpoint, recent years have seen major changes that have opened the way for a booming interest in equity bridge financings to French funds, in particular further to the implementation of the Alternative Investment Fund Managers Directive 2011/61/EU (the “AIFMD”) in France via Ordinance n°2013-676 of 25 July 2013 and Decree n°2013-687 of 25 July 2013.
Before the implementation of the AIFMD, it was considered that FPCIs were not authorised to grant security interests over undrawn commitments of investors.
Further to Decree n°2013-687 of 25 July 2013, article R. 214-205-III has been inserted in the French Monetary and Financial Code pursuant to which, “[T]he management company may enter with third parties into agreements relating to the management of the fund’s investments and including contractual undertakings other than of delivery, as well as into agreements granting to third parties rights over the fund’s assets and the undrawn amount of subscriptions, including security in personam or in rem, within the terms and conditions defined in the fund’s By-Laws.”
The management company has therefore the possibility to grant security, either by way of security in personam or security in rem, over the assets of the FPCI and over the investors’ undrawn commitments. Therefore, pursuant to Decree n°2013-687 of 25 July 2013, lenders can benefit from the right to call capital commitments of the investors if the management company has failed to call the investors, in order to obtain reimbursement of the amounts lent to the FPCI. In any event, investors cannot be called for an amount higher than their uncalled commitments.
We note that article R. 214-206 of the French Monetary and Financial Code limits borrowings of an FPCI up to 10% of its assets. In practice, borrowings are made at the level of a special purpose vehicle set up by the FPCI, with the FPCI granting to the lenders, a guarantee (cautionnement) of the obligations of the special purpose vehicle.
The French legislator has also decided to simplify the range of regulated investment vehicles, with the aim of making France’s financial markets more attractive, by creating a vehicle capable of grouping together domestic and international institutional investors. As the French asset management industry was faced with growing international competition, the French parliament, as part of Law n°2015-990 of 6 August 2015 for growth, activity and equal economic opportunities (pour la croissance, l’activité et l’égalité des chances économiques), created a new category of fund – the société de libre partenariat (“SLP”) – a type of alternative investment fund with legal personality which falls under the definition of alternative investment fund (“AIF”), as set out in the AIFMD.
The main goal in the creation of the SLP was to establish a new category of fund, comparable to the English limited partnership or the Luxembourg société en commandite simple / spéciale (SCS/SCSp). The SLP benefits from a governance adapted to the requirements of foreign investors, based on two categories of partners: general partners (associés commandités) with unlimited liability; and limited partners (associés commanditaires), which are liable for the debts of the SLP only up to the amount of their respective capital contributions. Dedicated from the government’s point of view to private equity, the use of the SLP may be extended to the financing of infrastructure and real estate assets. One of the most important characteristics of this limited partnership à la française, is a very high degree of flexibility. There is no investment restriction and most of the rules governing the investment portfolio may be freely determined in the By-Laws of the SLP. From a tax standpoint, the SLP can benefit from the same tax regime as FPCIs. The shareholders of an SLP are taxable only upon the distribution of its profits. Contrary to an FPCI, there are no legal or regulatory borrowing restrictions for SLPs, provided that no such restriction is provided for in their By-Laws.
Structuring of the financing
In France, an equity bridge facility will usually be structured via a committed term facility (which can be “replenished” upon repayment of each loan), but the facility also sometimes includes an uncommitted line, such uncommitted line reducing the costs of the facility for the lender in terms of regulatory capital. In order to avoid the management company being considered to be using leverage for the purposes of Commission Delegated Regulation n°231/2013 of 19 December 2012, “supplementing Directive 2011/61/EU of the European Parliament and of the Council with regard to exemptions, general operating conditions, depositaries, leverage, transparency and supervision”, loans should be temporary in nature and should relate to and be fully covered by capital commitments from investors, and revolving credit facilities should not be considered as being temporary in nature.3 It is usually considered in France that loans with a maximum duration of 364 days should be considered as temporary, provided that they relate to and are fully covered by capital commitments from investors. Depending upon the activity of the fund, the facility can be utilised only by way of loans or by way of loans and letters of credit.
Finally, depending upon the size of the facility, such facility is either syndicated or bilateral. Transactions are typically structured using a special purpose vehicle, fully owned by the fund, which will make borrowings under the facility in order to carry out its investments. As mentioned above, the lender will typically require a guarantee from the fund to support the obligations of the borrowing vehicle.
French law security package
Usually, the obligors’ obligations under the facility agreement will benefit from: (i) a pledge over the bank account of the fund into which the investors pay their capital calls (and possibly, over certain other bank accounts of the fund); (ii) a pledge over certain bank accounts of the special purpose vehicle (if any); and (iii) the right of the lender to draw down investors’ uncalled commitments, if (a) there is a default under the facility, and (b) the management company has not sent drawdown notices to such investors, or the management company has sent drawdown notices to such investors but such investors have failed to pay the amounts due and payable under the facility agreement.
We have started seeing transactions recently, where security has been taken in the form of a pledge over the undrawn commitments of the investors. However, under most of the transactions, the lenders have relied on a power of attorney granted by the management company in order to call the investors or a third party drawdown right granted by the investors in the By-Laws of the fund,called stipulation pour autrui, both the power of attorney and the stipulation pour autrui being exercisable upon the occurrence of the two enforcement events listed in the above paragraph.
Under French law, a power of attorney can always be revoked by the donor, even if stated to be irrevocable, subject to damages being due by the donor to the beneficiary of the power of attorney.
A stipulation pour autrui, as used in France in equity bridge financings, is an undertaking made by the investors (at the request of the fund), directly in the By-Laws of the fund, pursuant to which each investor agrees to pay, at the request of the lender, its undrawn commitments into the collection account of the fund, opened with its French depositary, up to the amount owed by each investor to the fund under the By-Laws. Under a typical equity bridge financing, such collection account is pledged to the benefit of the lender. Since at the time the By-Laws are signed, the name of the lenders is unknown, such stipulation pour autrui cannot refer to the name of such lenders. However, the lenders can rely on the terms of the stipulation pour autrui, notwithstanding the fact that their name is not specifically indicated in the By-Laws of the fund, since such stipulation pour autrui is like a third party right which benefits any future lender. At the time the stipulation pour autrui has been accepted by the lender, it cannot be revoked by the fund. Such acceptance is typically made by way of a simple one-page acceptance letter executed by the lender on the date of signing of the facility agreement.
A stipulation pour autrui is not a security in rem as such and does not grant any preference right to the lender, which means that if another creditor of the fund wants to seize the undrawn commitments of the investors, or if the fund has granted a pledge over such undrawn commitments (even if this would be done in breach of the negative pledge provisions of the facility agreement or in breach of the limits to indebtedness inserted in such facility agreement), such seizure would prevail at the time it is carried out, and the pledge would prevail at the time it is notified to the investors or enforced. Lenders on the French market have obtained comfort on the absence of pledge due to: (i) the specific nature of the funds, dedicated to investments, which means that, in principle, a fund should not have other financial indebtedness and therefore, should not have other competing debt creditors with respect to such indebtedness; and (ii) the negative pledge clause inserted in the facility agreement. From what we have seen, lenders have also taken a view on the quality of the investors and the potential side business which could be generated as a result of entering into an equity bridge financing with such fund. A lender may avoid this risk by taking security in rem in respect of the undrawn commitments. However, as noted, as a matter of French market practice, if lenders benefit from such a stipulation pour autrui, we have not seen additional pledges being granted to such lenders over the undrawn commitments of the investors.
A pledge of receivables can be enforced by notification to the investors, asking them to pay the pledgee. A pledge can also be enforced by contractual attribution of the claim which has been pledged, without the need to go to court. Such pledge could, in theory, also be enforced by way of judicial attribution but, due to the existence of the two above enforcement methods, such judicial method, in practice, is never used. There are no judicial expenses related to an enforcement by way of notification or contractual attribution. Depending upon the law applicable to the By-Laws and the location of the investors, other formalities may be required in order for the pledge to be enforceable, as detailed, among other things, in the Regulation (EC) n°593/2008 of the European Parliament and of the Council of 17 June 2008 on the law applicable to contractual obligations (Rome I) and in French case law.
French insolvency issues
Neither an FPCI, an FIPS nor an SLP can be subject to insolvency. For the FPCI and the FIPS, this is due to the fact that they do not have legal personality, since they are co-ownerships of assets. For the SLP, the French Monetary and Financial Code has specifically provided that the French insolvency regime does not apply to SLPs.4 Since the French insolvency regime does not apply to such French funds, the enforcement regime of the above-mentioned security interests is not affected by the French rules applicable to insolvency (Book VI of the French Commercial Code) and enforcement is very much based on the principle of “first come, first served”.
However, under article 1343-5 of the French Civil Code, a borrower may ask a judge for a grace period which the judge may or may not grant, for a maximum period of two years. The criteria where a borrower can apply for a grace period will be decided on a case-by-case basis by the judge. Article 1343-5 of the French Civil Code is very general and the judge will mainly decide on the basis of the situation of the borrower and the needs of the lender. The judge can decide that the rescheduled amount owed by the borrower will bear interest. The judge can also provide that such grace period will be subject to the accomplishment by the borrower of certain acts which may facilitate or secure the payment of the debt. Article 1343-5 of the French Civil Code cannot be excluded from the scope of the security or disapplied since it is a mandatory provision of French law. In practice, however, we are not aware of any instances of a judge having granted such grace period in a fund finance context.
The FPCI/FIPS/SLP insolvency protection regime described above, does not extend to the management company of a French fund. Although insolvency of the management company would have an impact on a power of attorney, the insolvency of the management company would not have an impact on a stipulation pour autrui.
Until recently, French investment funds were not able to grant loans directly to French borrowers due to the French banking monopoly, which generally prevents lenders other than licensed credit institutions from lending in France. There are various exemptions to such French banking monopoly, including the possibility for certain French funds to purchase matured claims (the acquisition of non-matured claims falling within the French banking monopoly).
French Law n°2015-1786 of 29 December 2015 (loi de finances rectificative pour 2015) and French Law n°2016-1691 of 9 December 2016 (Sapin II law on transparency, the fight against corruption and modernisation of the economy) amended the French Monetary and Financial Code in order to allow certain French alternative investment funds (“AIFs”) to extend loans.
FPS (Fonds Professionels Spécialisés) (“FPS”) pursuant to Article L214-154 of the French Monetary and Financial Code, and FPCIs pursuant to Article L214-160 of the French Monetary and Financial Code, are now authorised to extend loans, either in accordance with the EU regulation on European long-term investment funds (Regulation (EU) 2015/760 of the European Parliament and of the Council of 29 April 2015 on European long-term investment funds) or under the conditions set out in the Decree n°2016-1587 of 24 November 2016 (the “Decree”). We do not develop in this Chapter the conditions in order for an FPS or an FPCI to be authorised to lend as a European Long Term Investments Fund (“ELTIF”).
Pursuant to the Decree, a FPS or a FPCI can grant loans directly to French borrowers subject, in particular, to the compliance by such FPS or FPCI, with the following conditions:
- the loans should only be granted to entities carrying out an activity which is neither a financial activity nor a collective investment activity;6
- the loans should have a maturity which is shorter than the fund’s residual life,7 to prevent any maturity transformation;
- the management company must be licensed by the French Financial Market Authority (Autorité des Marchés Financiers) in accordance with the AIFMD and have a programme of operations that allows for the possibility to grant loans.8 If the French investment fund is managed by a non-French management company, the management company must be authorised by its home state regulator to manage funds which grant loans and must be subject to the same conditions as those applicable to the above-mentioned French management company; and
- the management company must report quarterly to the French Financial Market Authority (Autorité des Marchés Financiers) on all the loans which have been granted by the AIFs it manages.9
A management company wishing an AIF (including an ELTIF) that it manages, to grant loans, must put in place a rigorous organisation, in particular in terms of credit analysis system, valuation, risk monitoring and control, management experience, use of an external service provider to prepare the credit analysis, legal analysis and assessment of capital requirements, conflicts of interest and debt recovery.
Another milestone has been reached recently with Ordinance no. 2017-1432 dated 4 October 2017 (the “Ordinance”), which aims to improve the legal framework applicable to French securitisation and debt organisations. Most of the provisions of the Ordinance will enter into force on 3 January 2018.
The Ordinance establishes a new category of collective investment scheme, namely “finance organisations” (organisme de financement or “OF”). OF include the existing securitisation organisations (organisme de titrisation or “OT”) and the newly created “specialised financing organisations” (organismes de financement spécialisés or “OFS”).
The Ordinance introduces new exemptions to the French banking monopoly rules. Both an OT and an OFS may carry out lending activities, subject, however to certain restrictions. With respect to an OT, the Ordinance confirms the reform introduced by Law n°2016-1691, which permitted the granting of loans to non-financial companies. Similar restrictions apply to an OFS, unless such OFS is an ELTIF (in which case it can provide loans in accordance with the terms of Regulation (EU) 2015/760). The lending limitations applicable to OT and OFS (other than ELTIFs) will be set out in a pending decree.
These changes in legislation can play a big role in creating a Europe-wide direct lending market, and may bring down costs for borrowers. Banks represent about 80% of long-term corporate lending in Europe, compared to 20% in the US, according to figures from ICG, an alternative asset manager. It opens the banking monopoly in France, which is quite restrictive.10

domain: finance


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It’s the final day of the Singapore Major and today, one of these three teams — Evil Geniuses, PSG.LGD, or Invictus Gaming — will walk away with US$200,000, 500 DPC points, and the title of Singapore Major Champion.
The Lower Bracket Final will be a best-of-3, while the Grand Final will be a best-of-5.
All games will be on Stream A.
Game 1 — Lower Bracket Final
PSG.LGD vs Invictus Gaming (10:00 a.m. GMT+8)
Game 2 — Grand Final
Evil Geniuses vs Winner of Game 1 (2:00 p.m. GMT+8)

domain: entertainment


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Corporations have a notional account that is referred to as the Refundable Dividend Tax On Hand (RDTOH) — in fact, as of 2019 corporations have two of these notional accounts. The purpose of this article is to provide some context for why CRA created the following two notional accounts: Eligible Refundable Dividend Tax on Hand (ERDTOH) and Non-Eligible Refundable Dividend Tax on Hand (NERDTOH).
We realized that the tax terminology for corporations can be a little confusing for those that are not professional accountants. To complicate things further, many changes have occurred with respect to the taxation of corporations in recent years. Some of these changes impact the tax deferral benefits when investment income is earned in a private corporation.
Two changes that were introduced limited the access to the small business deduction and limited the access to refundable taxes. Perhaps we can start with some background information and a summary of some changes that were part of the reason CRA implemented both the ERDTOH and NERDTOH.
Small business deduction
Up to $500,000 of active business income in British Columbia earned by an associated group of Canadian-controlled private corporations (CCPCs) is subject to a combined federal and B.C. small business tax rate of 11 per cent for 2021. This is significantly lower than the general corporate tax rate of 27 per cent for 2021.
The recent changes introduce a grind to the small business limit of $500,000 in cases where an associated group of CCPCs has earned $50,000 or more of Adjusted Aggregate Investment Income (AAII) in the previous taxation year. For every $1 of AAII earned above the $50,000 threshold, the small business limit will be reduced by $5. When AAII reaches $150,000, the small business limit is effectively eliminated.
Under the recent changes, AAII generally includes the regular categories of investment income, such as dividends from publicly traded securities, interest income, rent, royalties, and taxable capital gains from the disposition of passive investments. AAII excludes taxable capital gains from the disposition of assets used in carrying on the active business. AAII also excluded rent or interest received from an associated corporation that is classified as active business income. Lastly, AAII also excluded dividends from connected corporations.
An example of an associated group of CCPCs could be a client that has an operating company (dental practice), investment holding company (to hold publicly traded securities that generates dividend income), and a real estate holding company (that owns a residential building that generates rental income).
If the investment holding company has $35,000 in dividend income, and the real estate holding company has $60,000 of rental income, combined the AAII is $95,000 of investment income, $45,000 of this income would result in the small business deduction limit being reduced by $225,000 [($95,000-$50,000) x 5].
The small business limit would effectively be reduced to $275,000 ($500,000 - $225,000). Provided the active business income is below this level then the 11 per cent rate would still apply. Any active business income above $275,000 would be subject to the general (higher) corporate tax rate of 27 per cent.
These changes make it more punitive for a CCPC to allocate profits into passive investment holdings if the aggregate amount earned is $50,000 or greater.
The motivation behind these recent changes is related to the concept of integration within the Canadian income tax system. Integration attempts to achieve equality — essentially the total amount of combined taxes paid by a company and its owner on income earned through the corporation will be equal to the taxes paid on the same income earned directly by an individual.
The mechanism of how this is achieved varies between different forms of income. The forms of income for a CCPC are active business income at the small business tax rate, active business income at the higher general tax rate, and passive investment income.
In B.C., active business income earned by a CCPC is subject to either the small business rate of 11 per cent, or the general rate of 27 per cent. If the income is subject to the general tax rate of 27 per cent tax, the corporation will accumulate a General Rate Income Pool (GRIP) account from which eligible dividends can be paid, provided there is enough of a balance. Individual shareholders that receive eligible dividends are subject to a lower tax rate than non-eligible dividends.
Passive Investment Income – Part I Tax
In British Columbia, investment income earned by a CCPC is subject to a higher tax rate than active business income. Interest income and foreign dividends are taxed at a high corporate tax rate and are subject to a 50.67 per cent Part I tax.
However, 30.67 per cent of Part I tax is refundable and is added to the corporation’s non-eligible refundable dividend tax on hand (NERDTOH) account. Only when the corporation pays out a taxable dividend to its shareholders in the future will it receive a tax refund from the NERDTOH account balance.
Example of when the Part I tax is levied:
HoldCo owns shares in some foreign publicly traded blue-chip dividend paying stocks. During the tax year, these stocks generated $39,400 in foreign dividend income that is subject to Part I tax. These foreign dividend paying stocks will also be subject to withholding tax, but for purposes of this example we will just illustrate how Part I tax would be calculated.
The HoldCo would have to pay tax at 50.67 per cent, or $19,963.98 ($39,400 x 50.67 per cent) on the foreign investment income. 30.67 per cent of this Part I tax, or $12,083.98 ($39,400 x 30.67 per cent) is then added to the notional NERDTOH account and will be refunded when a taxable dividend is paid out to its shareholders at a later date.
A second illustration of Part I tax for the HoldCo can be shown with interest income from corporate bonds. The HoldCo also owns some corporate bonds and received $16,800 in interest income during the year from them that is subject to Part I tax.
Similar to the foreign dividend income, the HoldCo will have to pay tax at 50.67 per cent, or $8,512.56 ($16,800 x 50.67 per cent) on the dividend income. 30.67 per cent of this Part I tax, or $5,152.56 ($16,800 x 30.67 per cent) will be added to the notional NERDTOH account, which will then be refunded in the future when a taxable dividend is paid out to the HoldCo’s shareholders.
As noted above, in 2019 CRA introduced two separate Refundable Dividend Tax On Hand (RDTOH) pools: eligible (ERDTOH) and non-eligible (NERDTOH). The ERDTOH pool accumulates when a corporation earns eligible portfolio dividends or eligible dividends paid by connected corporations, such as wholly owned subsidiaries (to the extent that the payor corporation received a refund from its own ERDTOH pool).
The remainder of the refundable taxes generated from regular investment income, such as interest, rent, royalties, and capital gains, will be added to the NERDTOH pool.
Payment of eligible dividends can only result in a refund from the ERDTOH pool. A payment of non-eligible dividends will result in a refund from the NERDTOH pool first, before a refund can be obtained from the ERDTOH pool, if applicable.
Canadian Controlled Private Corporation (CCPC) – Part IV Tax
A CCPC has a 38.33 per cent Part IV tax that is applied to eligible dividends received from a corporation where the CCPC owns 10 per cent or less of the shares of the corporation – these dividends are often referred to as portfolio dividends. This tax can also apply if the CCPC receives dividends from another corporation that are not portfolio dividends (CCPC owns more than 10 per cent of the other corporation) if the other corporation receives a dividend refund on the payment of the dividends to the CCPC. Our corporate clients that have a portfolio of Canadian publicly traded securities paying dividends will be subject to the 38.33 per cent Part IV tax. This extra tax is effectively levied to ensure that there is no advantage for an owner of a business to earn investment income in a CCPC. 100 per cent of Part IV tax gets added to the ERDTOH account and is later refunded when a taxable dividend is paid to the individual shareholder of the corporation.
Example of when the Part IV tax is levied:
HoldCo owns shares in some Canadian publicly traded blue-chip dividend paying stocks. During the tax year, these stocks generated $39,400 in eligible dividend income. The Holdco would have to pay tax at 38.33 per cent, or $15,102 on the dividend income ($39,400 x 38.33 per cent). The full amount of this tax, $15,102, would be added to the notional ERDTOH account and will be refunded when a taxable dividend is paid out to its shareholders at a later date.
Eligible and Non-Eligible Dividends
In our article, Clarifying the confusion around eligible and ineligible dividends, we explained the differences between these two forms of dividends. When a corporation pays an eligible or non-eligible dividend to its shareholder, it triggers a tax refund to the corporation. From a shareholder’s perspective, an eligible dividend is always taxed more favourably.
Below is some information from the CRA website on how dividend refunds are calculated, along with how the ERDTOH and NERDTOH balances are calculated. We realize this information is rather technical.
A dividend refund is currently available to a private corporation that pays taxable dividends in a taxation year. The amount of its dividend refund for the year is equal to the lesser of 38 1/3 per cent of all taxable dividends it paid in the year and its refundable dividend tax on hand (RDTOH) balance at the end of the year.
A dividend refund is available whether a corporation pays eligible dividends or non-eligible dividends in a taxation year. Eligible dividends are generally paid from a corporation’s active business income that was taxed at the general corporate income tax rate, including from eligible portfolio dividends received by the corporation (i.e., eligible dividends received from non-connected corporations). Non-eligible dividends are generally paid from a corporation’s active business income that was taxed at the small business tax rate, including non-eligible dividends received by the corporation, or from its passive investment income (excluding the non-taxable portion of capital gains).
Calculating the Dividend Refund
A private corporation’s dividend refund for a particular taxation year will be equal to the total of the following three amounts:
Amount One: the lesser of
• 38 1/3 per cent of the total of all eligible dividends it paid in the year, and
• its ERDTOH balance at the end of the year;
Amount Two: the lesser of
• 38 1/3 per cent of the total of all non-eligible dividends it paid in the year, and
• its NERDTOH balance at the end of the year; and
Amount Three*: either
• if 38 1/3 per cent of the total of all non-eligible dividends it paid in the year exceeds its NERDTOH balance at the end of the year, the lesser of
- the amount of the excess, and
- the amount by which its ERDTOH balance at the end of the year exceeds Amount One, if any, determined for the year
• in any other case, nil.
*The computation above will effectively require a private corporation to obtain a refund from its NERDTOH balance before it obtains a refund from its ERDTOH balance, when it pays a non-eligible dividend.
Eligible Refundable Dividend Tax on Hand (ERDTOH)
A corporation’s ERDTOH balance at the end of a taxation year is the amount, if any, by which the total of
• its Part IV tax for the year in respect of
- eligible dividends received in the year from non-connected corporations, and
- taxable dividends received in the year from connected corporations, to the extent the dividends caused a dividend refund to those corporations from their eligible RDTOH balance, and
• where it was a private corporation at the end of its preceding taxation year, its eligible RDTOH balance at the end of that preceding year,
• the portion, if any, of its dividend refund from its ERTDOH balance (i.e., the total of Amount One and Amount Three as determined above) for its preceding taxation year.
Non-Eligible Refundable Dividend Tax on Hand (NERDTOH)
A corporation’s NERDTOH balance at the end of a taxation year is the amount, if any, by which the total of
• where it was a Canadian-controlled private corporation (CCPC) throughout the year, the refundable portion of the Part I income tax that it paid on investment income in the year (equal to 30 2/3 per cent of its aggregate investment income, subject to certain limits),
• its Part IV tax for the year, excluding the amounts included above in computing its ERDTOH balance at the end of the year, and
• where it was a private corporation at the end of its preceding taxation year, its NERDTOH balance at the end of that preceding year,
• the portion, if any, of its dividend refund from its NERTDOH balance (i.e., Amount Two above) for its preceding taxation year.
Understanding these two types of dividends is important when understanding ERDTOH and NERDTOH. Canada Revenue Agency (CRA) rules state that when non-eligible dividends are paid, the refund must come from the NERDTOH account prior to obtaining a refund from the ERDTOH account.
Kevin Greenard CPA CA FMA CFP CIM is a Portfolio Manager and Director, Wealth Management with The Greenard Group at Scotia Wealth Management in Victoria. His column appears every week at timescolonist.com. Call 250-389-2138, email email@example.com or visit greenardgroup.com/secondopinion

domain: law


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Instagram is now taking the extra step to detect online bullying through photos on its platform. They are using technology to auto-detect bullying in photos and captions and send them to their Community Operations team for review.
According to CNN, “the tech can identify bullying tactics such as comparing, ranking and rating images and captions, such as a split-screen image in which a person is compared to someone else in a negative way.”
It's kind of cool that they're taking the initiative to stop bullying on their social network, but wow, it's also crazy that their technology is that advanced. It makes me wonder what other information they're collecting!
What do you guys think??
Read full story HERE

domain: news


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How to play roulette online without a deposit. For example, a resident of Bronzeville, named Pat Dowel, stated that a casino was simply not the right choice for a building that had been a hospital. You could also write an e-mail, but it usually takes a bit longer to get a reply.

domain: game


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IRELAND – Irish group pension managed funds have risen by around 19% in the past year, according to new data from consultants.
Buck Consultants found the average fund’s investment return was 19.1% in the year to the end of January 2004, while Mercer Investment Consulting put the average at 18.9%.
In January, returns were put at 2.6% by Buck and 2.7% by Mercer.
“Group pension managed fund performed well over the month of January, with the average fund returning 2.6%, as equity markets continued to rise following a return to positive returns in 2003,” said Buck’s head of investment consulting, Fiona Daly, in a note.
Over the three- year view returns were put at –4.8% by both firms.
According to Buck, the best performer over the month was Standard Life, with a 3.1% return. Mercer said Standard Life and Irish Life Global Access were joint top, with the same 3.1% return.
“Markets have opened the year on a positive note, continuing the trend of most of 2003,” said Mercer’s senior investment consultant Noel Collins. “However the gains have not been without some turbulence, and in the Irish market in particular the drop in the Ryanair share price ahs been very sudden and very significant.”
Meanwhile property research firm IPD has said that Irish property returned 3.8% in the fourth quarter of 2003 – up from 3.6 in the previous quarter and the 0.2% a year before. The figure takes the annual return to 12.7% - “just below property‚s long-term 20 year average of 13.3% per annum”.


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Nation to Nation
It’s been almost exactly five years since Idle No More got started on the Prairies.
Although it held a rally in Toronto today and plan another one in Winnipeg this weekend, it’s public presence is arguably not like it was in 2012.
However, one of the movement’s co-founders, Sheelah McLean, said community involvement is just as high as ever.
“Idle No More is just as busy now as it’s ever been because people are realizing (the Trudeau) government makes promises that they’re not keeping,” she said.
It was a similar theme of unfulfilled promise that NDP MP Charlie Angus promoted the new edition of his 2015 book, Children of the Broken Treaty.
“But we still have a very broken system at Indian Affairs. We still have government officials who are refusing to even examine their responsibilities. And until we have a full picture on the underfunding of Indigenous children, these patterns and they’re abusive patterns by the government will continue,” he said.
“This is sort of laying out the pattern. The Trudeau government has made commitments. But that system that was built by Duncan Campbell Scott, it was built to last. And we have to take that system down.”
However, the Trudeau government or at least one minister in his cabinet got kudos. The Macdonald Laurier Institute (MLI) named Justice Minister Jody Wilson-Raybould its policymaker of the year.
“(Wilson-Raybould has) done a remarkable job of taking the whole field of Indigenous Affairs from the margins of Canadian politics and moving it to the centre of Canadian politics,” said University of Saskatchewan history professor, Ken Coates, who wrote the policy-maker article for the MLI.


So finally, after a bunch of frustration and getting nowhere. I decided to bite the bullet and try out some of the paid online singing lessons. I could go after the super expensive options like Berklee’s full vocal course – I just couldn’t afford it. So I set out and tried the cheaper lessons. To my surprise – there were some REALLY GOOD options, right up my alley.
Now let’s move on to what the different types of voices are. There are five general categories of voice types. Three are for men and two are for women. We’ll list each voice type here along with a short description of each.
Teaching singing lessons in Dallas has been a wonderful experience. With historic areas and venues like Deep Ellum and the Meyerson Theatre nearby, as well as the eclectic and quaint Granada Theatre, and charming live music venues such as St. Martin’s Wine Bistro and Arthur’s Restaurant, the Dallas/Fort Worth area is overflowing with creativity and original talent. Not far away, the Bass Performance Hall in Fort Worth is home to the prestigious Van Cliburn International Piano Competition, and the city is home to the wonderful man, founder and superstar himself, Van Cliburn. Other noteworthy musicians who launched their careers from the rich recesses of Deep Ellum’s unique culture scene include Blind Lemon Jefferson, Robert Johnson, Huddie “Leadbelly” Ledbetter and Bessie Smith.
The most common problems people face are “problems with pitch”, “the crack in the voice” when going from chest voice to head voice, “singing higher notes” and “losing the voice” due to using of the voice in the wrong way. Most people also don’t know there are simple and easy ways to start improving the voice in a real short amount of time.
Many people are gifted with natural singing ability, but whether you want to become a professional entertainer, a casual performer, or sing for fun, it is important to learn how protect your best asset and to increase it’s potential.
Mezzo Soprano – A mezzo soprano, also referred to as an “alto” in the choir world, is a woman with a lower voice. The mezzo soprano range is G3-A5. Some examples of famous mezzo soprano singers are Adele and Ella Fitzgerald.
When it comes to online singing lessons, there are just so many options. Learning how to sing is something that you’ll work on for your whole life – always trying to get better. Singing lessons will be a huge part of that.
A singing teacher will be able to notice and correct bad habits that lead to injuries and negatively affect your sound. Additionally, the motivation and inspiration you can get from this type of guidance makes a huge difference in your learning process.
Fortunately there’s even a simple and fast way to check if you’re tone deaf. You can take an ear test online in just a few minutes and find out for certain whether tone deafness is responsible for your difficulty singing. Take one of these tone deafness tests and you’ll be one step closer to understanding what holds you back as a singer.
With a lot of courses, you can get a refund within the refund period. If the course is not working out for you, get your money back. With a tutor You pay for their time. Once you have the lesson, you won’t get the money back.
If you’ve had trouble singing in tune or hitting the right notes when you sing, or somebody has made a comment about you having bad pitching or poor tuning, this is most likely the skill you need to focus on.
This doesn’t mean that you have to practice for long periods of time. Make shorter practice sessions strategic yet fun! Create your own silly warm-ups — try singing with “nonsense” words, or make a simple song your warm-up.
Database of singing teachers, vocal coaches, classes and workshops for singers plus links to online resources to aid in finding a singing teacher and vocal instruction. Tutors visit our Teachers Corner! Vocal Health
Lance Thackeray, Jarrod Kailef, Adam Calladine, Caitlin Brown, Lady Mandy, Claire H, Lee Flores, Johnny Baird, Luis Ugalde, Bryan Lake, Sarah, Oscar, Jamie Cox, Beth Stauffer, Will Fussell, Thomas Lloyd, Leonita Gaspard, Benjamin Behrens, Sergery Khegay, Blake Nye, Garrett Taggart, Pi Fisher, Sam Baker, Janine Myers, Michelle Paulman, BitFaze, Michael Everson, Kieran Rice, James Russin, Andrew Bower, Luke Bunnett, Katlyn Palmer, Jay Logan, Ofer Mustigman, Nash.
Your voice is a delicate instrument. While a pianist can practice for hours upon hours every day, singers cannot. Why? Unlike other instruments, the entire vocal apparatus is a sensitive part of your body.
I wasn’t as good as I thought. When you hear the best guitar players in the world everyday for a year and a half like I did at Musicians Institute it makes you want to be better and practice, practice, practice. I learned everything there about guitar and music and I know the Right way to teach.
Hello, my name is Ben and GUITAR IS MY BUSINESS…AND MY BUSINESS IS GOOD so please consider me. I’ve been playing guitar for over 18 years and have been in playing bands for 12 years. Recently after the band broke up, I decided to further my education and went to Musicians Institute in Hollywood California. There I was taught by the best guitar players in the world. Marty Friedman, Paul Gilbert, Scott Henderson, Tommy Emmanuel and Johnny Hiland were just a few of the great players who gave clinics there. I received a degree in Guitar Performance and the knowledge I received there made me UNDERSTAND the mystery that is the guitar.
There are several great range exercises to try as you’re working on scales. These exercises should be part of your warm-up before working on an actual vocal piece. You can find many different warm-up exercises in between singing classes on YouTube.
Learning how to sing – to really learn how to sing – can take a long time, even a lifetime to master. Some virtuosos out there are able to naturally strike a key or a chord, but they may not know exactly what it is they are doing. They may not understand how their voice is controlled or how they are using their muscles, mouth, vocal chords, body, and thorax to reach a certain level of sound and to maintain that sound for however long necessary.
Although singing isn’t the most difficult skill to learn, it’s definitely more complex than it seems. To some learners, singing comes naturally and they can create beautiful vocals with very little practice or effort.
This can be intimidating and unnerving at first – but it’s still less scary than singing in front of other people, right? You can be alone in your room to do it, and the only person who’ll ever hear the recordings is you. So there’s nothing to be embarrassed about.
Singing isn’t a mystery, it’s just not taught as a skill that can be obtained on your own. Many people believe that you are either born to sing or you are not. This just isn’t true. Everyone can ‘learn’ to sing. Once they have a greater understanding of the methods, then they can apply what they have learned to practical exercises that will help them along the path to reaching their voice’s harmonious potential.
This 10 DVD Vocal Training program is an outstanding product. The course comprehensively explains different aspects of harnessing and mastering singing in a soulful style. Vocal Mastery covers the fundamentals, but you will also learn advanced stuff such as riffs, runs, and more. Even experienced singers are likely to pick up new tricks from the program.
The next step is to work on your vocal power. Vocal power requires proper breathing and diaphragm control. Add some breathing exercises to your daily warm-up, and pay attention to correct positioning of your jaw, mouth, and body to help with this.
I fully believe that music is beneficial to everyone that comes into contact with it; with small children, it enhances learning and cultivated concentration. With older kids, it boosts confidence and sharpens listening skills while using math, problem solving, and hand-eye coordination skills. Whether you are singing, playing piano, doing theory homework, or yan ear training course, I can help! I have been teaching for about 8 years and have been in the Dallas area since summer 2016. I teach privately and at several studios in the DFW area. I am finishing my Masters st SMU in Voice Performance
For the next 20 minutes, study a song to learn the melody and rhythm. While memorizing the lyrics, work on your diction, pronunciation, and vocal tone. And finally, for the last 20 minutes you can practice vocal techniques including ear training, harmony, and sight reading.
The course covers all the basics and includes several exercises and warmups. The only downside to this otherwise great course is it is completely software based. This means you have to be by your computer to learn. If you don’t mind that, then it’s a great option for you.
For more power, you often need to learn how to control your tongue. The placement of your tongue can cause problems as you try and sing with more power. If you pull your tongue back, it can block your airway.
The best part about singing is that anyone can get started without any prior knowledge of music theory, structure, or history. But if you really want to set yourself apart from the crowd, learning music theory will help you become a more knowledgeable, well-rounded musician.
Another important note about solfa is that it’s the key to sight-singing music easily. This means that you can confidently go along to a choir or other singing group and know that if they hand you sheet music you don’t need to panic! You can use solfa to know what notes to sing and your newfound vocal control to know you’ll be singing them right.
I see music as a language. Once it is mastered, it can be shared with anyone, anywhere. My goal as an instructor is to provide my students with an opportunity to discover their own musical potentials. From breaking the ice from playing for the very first time, to perfecting even the most structured and difficult pieces, I feel there are no limits. I feel comfortable teaching in any genre and always tailor my classes to match my studen
Every singer has a range of notes their voice is physically capable of producing. There are advanced techniques and long-term training which can extend this, but as a beginner you want to make sure you stay comfortable in your “easy” range. As soon as you start stretching your voice too high or too low your pitching will suffer (and so will your listeners!)
But vocal warm up exercises are not going to necessarily give your voice a breakthrough making it any better than its current ability. You’re not necessarily going to increase your range, be able to sing higher notes or sustain better pitch by simply doing vocal warm ups. That’s where vocal strengthening exercises come in.
The big challenge for most new singers is handling leaps in pitch. Moving between notes which are close together is relatively easy, but when there’s a leap (e.g. think of the first two notes of “Somewhere over the rainbow”, “Some – where”) it can become quite hard to accurately hit that second note dead-on.
Check out my singing lessons and discover the easiest and most effective way to learn singing lessons for beginners and fast track your ability to drastically improve your vocal ability. http://www.youtube.com/watch?v=HZOTrj…
It may come as a surprise, but the answer is: yes. Anyone can improve their voice with online singing classes. Many people falsely label themselves as “tone deaf,” when in fact this lifelong condition only affects about four percent of the population.
Even a pro singer like me likes to keep up to date on technique. I first had pro singing lessons back in the early 2000’s, but in 2012 I purchased the 4 Pillars of singing course as I was intrigued by Robert’s technique. His training helped me develop my head voice to be more powerful, and helped me remove resistance in my vocal break.
Teaching Rock, metal, country lead, blues, ear training, theory solo improvization. Scales and chords and how they go together. Melodic soloing and chord melody. Can teach out of a book and can read music. But most importantly have fun and learn cool songs


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Seychelles is an island nation consisting of 115 chain of islands in the Indian Ocean and is officially known as the Republic of Seychelles. Beautiful streamers of white sand touched by topaz waters and backed by lush hills and big glacis rocks is what makes Seychelles a paradise. Let’s find out 4 different places to stay in Seychelles:
1) A Luxurious Island Getaway: Hilton Seychelles Labriz Resort & Spa:
The journey to this secluded paradise resort starts with a helicopter or a beautiful boat ride, which is surrounded by tropical nature reserve and the dazzling Indian Ocean. Accommodation here consists of private villas each with the option of a garden or a pool. The King Presidential Villa here becomes the perfect choice for a romantic honeymoon or an unforgettable holiday. It offers a private sanctuary nestled on top of the hill with an outstanding view of the Indian Ocean.
2) Relive in an Elegant way: Constance Ephelia Seychelles:
Relax, rejuvenate, get pampered and rekindle the passion in life in a luxurious way at the Constance Ephelia. The accommodation here can be selected from 7 different types of villas like a junior suite or a family villa or a hillside villa or a presidential villa and many more. Weddings always are memorial and precious moments in one’s life, you can plan your wedding here to make it more special. This resort even offers water activities like snorkeling, kayaking, wind surfing and so on making it a perfect place to unwind yourself.
3) A Boutique Experience: Raffles, Praslin:
Raffles, situated in Praslin island the second largest island in Seychelles, is the ideal place to experience a boutique property filled with Seychellois spirit. It is the perfect place to reconnect with your self and explore the adventurous side in you. The villas here are spacious and designed in a contemporary style, each with a private plunge pool, balcony and butler service round the clock. You can either go for a swim, sunbathe, snorkel, kayak, walk or just glance at the best views the villas provide in privacy.
4) Family Getaway: Berjaya Resort :
This resort is situated on the northwest coast of Mahe island and is surrounded by lavish greeneries and crystal clear water. You can choose from a standard room to a deluxe room or junior suite or a superior room and so on. This resort keeps in mind on the recreation activities like a casino, dive centre, water sports center, paragliding, mini gymnasium and many more such outdoor activities. It’s a perfect place for a family getaway.

domain: travel


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DURHAM, N.C. — Mike Krzyzewski hustled off the court, as he has done many times during three-plus decades at Duke.
The Hall of Fame coach tried to turn this one into just another victory, and it didn't work.
This time, Coach K caught his college coach on the career wins list.
Krzyzewski tied Bob Knight atop the Division I men's list with his 902nd victory in No. 6 Duke's 96-55 rout of Presbyterian on Saturday.
"Whenever an individual coaching honor occurs, it's because of your players and your assistants and the infrastructure you build," Krzyzewski said. "You're just the recipient of a lot of good things, then, because you're the head of it. Good players and unselfish kids win a lot of ballgames."
Ryan Kelly had 17 points for the Blue Devils (2-0), who shot 61 percent and used a huge first-half run to deliver another milestone victory to their Hall of Fame coach. Krzyzewski improved to 902-284 during his 37th season as a college coach at Army and Duke. He can pass Knight, his coach and mentor, Tuesday night against Michigan State at Madison Square Garden.
Krzyzewski entered this season needing three wins to pass Knight and repeatedly has said how proud he is that the first two Division I men's coaches to reach 900 wins are a coach and his former point guard. That bond, naturally, led to some good-natured needling between the two.
"He says to me, 'Michael … can you tell your kids to win those three games real quick?' " Krzyzewski said. "I said, 'Coach, yeah, those first three, every game's important.' He says, 'No, no, not for that. I'm getting tired of saying nice things about you.'
"He says, 'Tell your players I'm getting angry, and maybe that will motivate them.' I said, 'Well, Coach, I've spent my entire life trying to make sure you haven't been angry.' "
NO. 5 SYRACUSE 78, FORDHAM 53: Kris Joseph scored 16 and Dion Waiters 14 for the host Orange in its season opener.
NO. 15 WIS. 85, KENNESAW ST. 31: Ben Brust and Josh Gasser had 14 points each, and the host Badgers tied a team record with 15 3-pointers in their season opener.
UCF 74, ST. THOMAS (FLA.) 61: Keith Clanton had 18 points and Isaiah Sykes 15 to lead four players in double figures for the host Knights, who held off the NAIA Bobcats in their season opener.
SOUTHERN POLYTECH (GA.) 54, SAINT LEO 42: The visiting Hornets made 11 of 25 3-pointers to defeat the Lions (1-1).
EVANSVILLE 80, BUTLER 77, OT: Colt Ryan hit a free throw with .9 seconds left in regulation then scored six of the Purple Aces' 11 points in overtime as host Evansville upset the Bulldogs, who reached the NCAA championship game each of the past two seasons.
COACH BLASTS LOGOS: Michigan State Tom Izzo ripped the practice of painting logos at midcourt for special events after one of his players was hurt during Friday's Carrier Classic. "We've got to get rid of those logos in the middle of the court," Izzo said. "We can put logos other places. I'll wear logos to support the people who sponsor us. They can paint me."
LATE FRIDAY: Ashley Hamilton had 23 points, Anthony Ireland added 21 and visiting Loyola Marymount upset No. 17 UCLA 69-58 in both teams' opener.

domain: sports


Maximum availability of your plants
Maintenance increases plant availability, extends the service life of machines, reduces the risk of downtime and associated expensive outages.
Benefit from our offer: We take over the complete support of your machines.
The one who knows the condition of his assets is safe from expensive surprises. We inspect your machines on site with the most modern equipment.
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Ideal served with a crisp salad on the side. ” Good attractive roll ons for your little ones.
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Give it a more colorful and appealing look by combining different vegetables and fruits in a mild spiced sauce. ” Add a tablespoon of oil to the water when cooking lasagne.
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With its advanced sensors and sophisticated technology, the Riken Keiki OHC-800 gas calorimeter delivers unparalleled precision and accuracy in monitoring gases. Whether deployed in industrial settings, laboratories, or commercial facilities, this system provides real-time data with unmatched reliability.
|Opt-Sonic method through measurement of light speed and sound speed
|CH4 basis Paraffinic Hydrocarbon gases as represented by Natural Gas
|Calorific value (Density / WOBBE index selectable)
|Calorific value : 25.00 - 50.00 MJ/m3 (Gross, 0 degree C, 101.325kPa converted)
|Density : 0.500～1.500 MJ/m3 (Specific gravity converted)
|Constant-flow-rate gas introduction using external sampling devices
|Full-dot LCD (with backlight), 3 color LED lamp
|4-20 mA DC (isolated, source current type) maximum load resistance of 300 Ω / RS-485 communication
|Low flow, Sensor unit abnormality, Low light amount
|Failure alarm display
|Lamp (red) / Content indication on LCD
|Failure alarm contact
|No-voltage contact 1a or 1b De-energize (Energize when alarming) or Energize (De-energize when alarming) Contact capacity of 2 A, 30 VDC (resistance load)
|FUNCTION CHECK (warm-up or maintenance mode), MAINTENANCE REQUIRED, OUT OF SPECIFICATION
|FUNCTION CHECK, OUT OF SPECIFICATION : Lamp (orange) / Content indication on LCD MAINTENANCE REQUIRED : Lamp (green) / Content indication on LCD
|FUNCTION CHECK, OUT OF SPECIFICATION : No-voltage contact 1a or 1b De-energize (Energize when alarming) or Energize (De-energize when alarming) Contact capacity of 2 A, 30 VDC (resistance load) MAINTENANCE REQUIRED : SSR contact, contact capacity of 20 W, 240 VAC (resistance load)
|100 - 240 VAC ±10%, 50/60 Hz, max. 18 VA or 24 VDC ±10%, max. 5 W (The setting can be changed to either the AC or DC)
|IP66 / IP67
|95%RH or less (no condensing)
|286 (W) x 453 (H) x 150 (D) mm
|Approx. 23 kg (50.7 lbs)
The OHC-800 is an advanced gas detection system developed by Riken Keiki, offering a revolutionary solution for ensuring safety in various industries. This cutting-edge system boasts state-of-the-art features and exceptional performance that set a new standard in gas detection.
With its advanced sensors and sophisticated technology, the Riken Keiki OHC-800 gas calorimeter delivers unparalleled precision and accuracy in monitoring gases. Whether deployed in industrial settings, laboratories, or commercial facilities, this system provides real-time data with unmatched reliability. The OHC-800 gas calorimeter is a comprehensive gas monitoring solution capable of detecting a wide range of gases, including combustible gases, toxic gases, and oxygen levels. Its versatility makes it an ideal choice for various applications such as chemical plants, oil refineries, and wastewater treatment facilities. By utilizing the OHC-800, businesses can stay ahead of potential risks and ensure a safe working environment for their employees.
One of the standout features of the Riken Keiki OHC-800 is its intuitive interface and user-friendly design. Navigating through the system’s functions and settings is effortless, making deployment quick and operation efficient. This design not only saves valuable time and resources but also reduces the need for extensive training.
Real-time monitoring and instant alerts are essential for effective gas detection systems, and the OHC-800 excels in this regard. The system is equipped with audible and visual alarms, providing immediate notifications in case of abnormalities or dangerous situations. Additionally, optional remote alarm capabilities ensure that off-site personnel are promptly alerted to potential hazards.
Durability and reliability are paramount in harsh environments, and the OHC-800 is built to withstand these challenges. Its rugged construction and high-quality materials guarantee consistent performance even in the most demanding conditions, making it a trustworthy solution for long-term use.
Seamless integration and connectivity are key features of the OHC-800, enabling it to work harmoniously with existing safety systems and infrastructure. The system supports multiple communication protocols, allowing easy connectivity with other devices, control panels, and SCADA systems. This interoperability enhances overall safety management and simplifies data collection and analysis. To accommodate different installation requirements, the OHC-800 provides flexible mounting options. Whether it’s wall mounting, rack mounting, or using an optional stand, the system can be customized to meet specific needs and ensure optimal positioning for efficient gas detection.
Compliance with safety regulations is essential, and Riken Keiki guarantees that the OHC-800 meets the highest industry standards. The system holds certifications from reputable organizations, providing confidence that it is a reliable and certified solution.
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1. FC Union Berlin will need to do without the services of Finland striker Joel Pohjanpalo. The 26-year-old picked up a serious injury to his left ankle, which will require an operation.
Pohjanpalo has been on international duty this weekend with the Finnish national team and the striker was injured during the Nations League match against Bulgaria.
The on-loan Leverkusen striker won't be available for the long-term.


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- First Online:
- Cite this article as:
- Perelman, M.A. & Rowland, D.L. World J Urol (2006) 24: 645. doi:10.1007/s00345-006-0127-6
Retarded ejaculation (RE) has a relatively low prevalence (<3%), yet this condition results in considerable distress, anxiety, and lack of sexual confidence for those suffering from it. Furthermore, men with partners often experience impairment of both the sexual and nonsexual aspects of their relationships, with such negative effects compounded when procreation is a consideration. The definition of RE is ambiguous, due to the variability and paucity of data regarding normal coital ejaculatory latency. RE is influenced by both biogenic and psychogenic components, which may vary over time both between and within individuals. While specific pathophysiology can often be identified, further elucidation of the biogenic components of this dysfunction will require greater understanding of the physiological mechanisms underlying ejaculation. Yet, the most useful strategies for understanding RE will integrate rather than isolate the various biogenic and psychogenic aspects of this dysfunction. Evidence based evaluation and treatment protocols for this disorder are lower than for other sexual dysfunctions, but reports suggest better treatment efficacy when the etiology is predominantly psychogenic. As with erectile dysfunction (ED) and premature ejaculation (PE), if safe and efficacious oral pharmaceuticals are eventually developed for this condition, the treatment algorithm is likely to undergo significant alteration. Even then, however, the most effective treatments are likely to result from a combination treatment that integrates sex coaching with pharmacotherapy.

domain: literature


No matter what musical skill level you have, using the wrong mouthpiece can make it difficult for you to produce an intended sound or song. Different mouthpieces can produce various tones and make playing certain styles of music easier. Depending on the material and size of the mouthpiece, some are more suitable in certain situations, making finding the right mouthpiece important for beginners and experts alike. Here are several mouthpieces we recommend.
What to Consider When Purchasing a Trumpet Mouthpiece
- Tone: The size of your mouthpiece’s rim, cup, throat, and backbore will affect your trumpet’s tone. Larger mouthpieces are often used for lower registers and lend well to jazz music. Smaller mouthpieces are used for higher registers and are great for creating clear tones for formal concerts.
- Materials: Mouthpieces are usually made from brass and plated with another metal. Silver-plated naturally kills germs but tarnish. Gold-plated requires little maintenance but is expensive. Plastic mouthpieces are common among those who play outside because they are lightweight, durable, and capable of withstanding colder temperatures.
Best for Beginners: Vikii Trumpet Mouthpiece 3C 5C 7C (3 Pack)
This set of silver-plated mouthpieces features three popular sizes that are perfect for beginners to begin their musical journey and eventually determine which sound prefer. As the player becomes more experienced, this set of mouthpieces will still be convenient as they will learn, which is ideal for different playing styles. Jazz lovers will appreciate the loud volume of the 7C mouthpiece, while concert players will appreciate that the 3C requires less breath to create their beautiful notes. The package includes a microfiber cleaning cloth to maintain the shining look of the silver. Parents can showcase their support of their children’s musical journey by presenting them with the elegant gift box.
Trumpet Mouthpiece 3C 5C 7C (3 Pack) with Box and Microfiber Cleaning Cloth Compatible with Yamaha Bach Conn King Replacement Musical Instruments Accessories, Silver Plate
This 3-pack of mouthpieces features different throat diameters to allow the beginner to determine which option suits their skill level and desired tone.
Most Efficient: SELMER Bach K3513C Mega Tone Mouthpiece
If you are looking to create deeper tones in your music, this mouthpiece’s special combination of a Vincent Bach shape and double the standard mouthpiece mass can help you achieve the ideal sound. This mouthpiece has a large cup and medium wide rim, which is good for creating a full, rich tone. The slightly shallow cup helps with articulation and air compression, which makes playing more efficient no matter the instrumentalist’s skill level. This shape saves you energy, enabling you to play for a longer period of time. The larger throat size also helps to reduce air resistance while offering greater flexibility.
Bach Mega Tone Trumpet Mouthpiece, 3C (K3513C)
The slightly larger cup and extra mass of this trumpet mouthpiece makes musical notes rich without requiring more effort.
Best for Braces: Kelly Mouthpieces Trumpet Mouthpiece 7C
These mouthpieces are made from Lexan polycarbonate material, which is softer than its metal-plated counterparts. They produce less fatigue on player’s lips and therefore are easier for people with braces to use. The polycarbonate material also doesn’t conduct heat or cold, so it is ideal for those playing outside. With nine color options to choose from, players can show spirit by matching their school colors or show off their unique personalities.
Kelly Trumpet Mouthpiece 7C Crystal Clear
These mouthpieces are made from the soft Lexan polycarbonate material, making it easier on player's lips.
Best for Jazz: Yamaha Trumpet Mouthpiece Bobby Shew Signature Jazz
With the help of this specially designed mouthpiece, you can aspire to create the same notes that made Bobby Shew’s presence in the 1960s and 1970s music so impactful. This mouthpiece has a larger cup for a bigger, warmer sound. The extra thick silver plating increases its durability and longevity to keep you making music for years to come. It also fits all standard brands and models of trumpets, so almost anyone can mimic Shew’s signature sound.
Yamaha Trumpet Mouthpiece Bobby Shew Signature Jazz (YAC SHEWJAZZ)
This mouthpiece was made in collaboration with round trumpet player Bobby Shew, who design it with a larger cup produces a bigger, warmer sound ideal for playing jazz.


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Halle Berry Takes Nahla to Disneyland, Shows Off Growing Baby Bump
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Halle Berry brought her pregnancy glow to the Happiest Place on Earth!
The 46-year-old pregnant actress treated her 5-year-old daughter, Nahla, to a trip to Disneyland in Anaheim, Calif., on Saturday, May 25.
The mother-daughter duo were photographed enjoying the Finding Nemo Submarine Voyage together. Berry, who is expecting her first child with fiance Olivier Martinez, showed off her growing baby bump while exiting the ride.
The Oscar-winning star wore a black maxi dress that hugged her pregnancy curves and flat sandals to walk around the park. Her adorable daughter kept cool in a striped tank top and short leggings.
The "X-Men: Days of Future Past" actress recently told Entertainment Tonight that her second pregnancy is a "miracle." "I feel really happy," she said. "It's one of the best things that happened in my life, for sure."
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domain: celebrity


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CLC selected to help advance racial equity in manufacturing
College of Lake County will join a new national project led by The Century Foundation, the Urban Manufacturing Alliance, eight urban workforce development organizations concentrated in the Midwest and 12 other community colleges across the country.
The groups, selected through a competitive process and funded by Lumina Foundation, will strategize solutions to the U.S. manufacturing sector's ecosystem building, develop credential-based training programs to create a more racially inclusive future for manufacturing, and help deepen relationships between employers and communities.
"We are thrilled CLC was selected as a part of this national effort," CLC Dean of Engineering, Math and Physical Sciences Richard Ammon said. "Since manufacturing is one of the largest industry employers in Lake County, it is critical we ensure racial equity as we rebuild the future workforce in manufacturing."
"The new Advanced Technology Center opening in Gurnee this summer will expand CLC's credential program capacity and connect students directly to manufacturing jobs, ensuring a more racially equitable future for the manufacturing industry," Director of the Advanced Technology Center Jon Hardbarger said.
Even before the pandemic began, bringing a renewed focus to manufacturing as capacity shifted to producing millions of pieces of medical and personal protective equipment, the industry was growing rapidly. Pre-pandemic estimates indicated the United States needed an additional 2.4 million manufacturing workers over the next decade.
It's critical that these coming manufacturing jobs are not just filled, but are accessible to all people, particularly people of color, who faced unemployment during the pandemic at disproportionate rates. Beyond the pandemic, people of color have long faced barriers to attaining well-paying and sustainable jobs due to systemic racism throughout society, including employment.
"As the COVID-19 pandemic has painfully reminded us, far too many people have been left out and left behind for far too long," said President Bill Clinton, founder and board chair of the Clinton Foundation.
"With this economic recovery, we have both a rare opportunity and a moral imperative to build an economy that is truly inclusive and give every person the chance to succeed. We know that when organizations are more inclusive, they are more successful. Community colleges, by their very nature, are inclusive and promote opportunity for all. This commitment by the Urban Manufacturing Alliance and The Century Foundation, by partnering with community colleges across the country, is helping widen the circle of opportunity and increase racial equity in the manufacturing sector."
This coalition was announced as a commitment to action through the Clinton Global Initiative's Action Network on Inclusive Economic Recovery and Growth.
"Community colleges are uniquely positioned to connect more people, particularly people of color, to well-paying and sustainable jobs, such as those in the manufacturing industry," said Andrew Stettner, a senior fellow at TCF and one of the organizers of the coalition.
"Our coalition will work to align credential programs at community colleges with the industry, and to ensure that a more diverse workforce feels supported and is able to take advantage of such opportunities. We are excited to include 13 community colleges across the country in this work, as they are already critical resources to their communities and students."

domain: sociology