#educational assessment in cayman

[youhealthbuddy]

Benefits of Physiotherapy for Improving Posture and Preventing Back Pain  

In today's world, where many spend long hours sitting at desks or engaging in repetitive activities, maintaining good posture and preventing back pain are crucial aspects of overall health. Physiotherapy in the Cayman Islands offers a range of benefits that can effectively address these concerns. This blog will explore how physiotherapy can help improve posture and prevent back pain, focusing on its general principles and advantages.  

Understanding Posture and Back Pain  

Before diving into the benefits of physiotherapy, it's essential to understand the connection between posture and back pain. Poor posture can lead to various musculoskeletal issues, including back pain. Prolonged poor posture can strain muscles, ligaments, and the spine, leading to discomfort and pain.  

Good posture involves aligning your body to minimize strain on your muscles and spine. It means keeping your back straight, shoulders back, and head aligned with your spine. When you maintain proper posture, your body functions more efficiently, and the risk of developing back pain decreases.  

How Physiotherapy Helps Improve Posture  

Physiotherapy addresses poor posture through several key methods:  

Assessment and Diagnosis: A physiotherapist begins by assessing your posture and identifying any imbalances or weaknesses. This assessment helps in understanding the root causes of poor posture and any contributing factors.  

Personalized Exercise Programs: Based on the assessment, physiotherapists design tailored exercise programs that target specific muscle groups. These exercises often include strengthening the core muscles, which play a crucial role in supporting proper posture. By strengthening these muscles, you can improve your ability to maintain a healthy posture.  

Postural Training: Physiotherapists provide guidance on how to adopt and maintain good posture throughout daily activities. This training helps you become more aware of your body alignment and encourages habits that support proper posture.  

Manual Therapy: Techniques such as massage and joint mobilization may be used to alleviate muscle tension and improve flexibility. This manual therapy can help release tight muscles that contribute to poor posture and discomfort.  

Ergonomic Advice: Physiotherapists in the Cayman Islands can offer recommendations on how to adjust your workstation or daily routines to promote better posture. This might include suggestions for chair height, desk setup, or proper lifting techniques.  

Preventing Back Pain Through Physiotherapy  

Back pain is a common issue that can significantly impact quality of life. Physiotherapy can help prevent back pain by addressing its underlying causes:  

Strengthening and Conditioning: Physiotherapy involves exercises designed to strengthen the muscles supporting the spine. Strong core muscles, including the abdominal and lower back muscles, provide better support and stability, reducing the risk of back pain.  

Flexibility and Range of Motion: Stretching exercises included in physiotherapy help improve flexibility and range of motion. This increased flexibility can prevent stiffness and reduce the likelihood of muscle strains or injuries that contribute to back pain.  

Education on Proper Body Mechanics: Physiotherapists educate patients on how to perform activities with proper body mechanics. This education includes techniques for lifting objects safely, avoiding excessive twisting or bending, and maintaining a neutral spine position during various tasks.  

Posture Correction: As mentioned earlier, poor posture can lead to back pain. By improving posture through physiotherapy, you reduce the strain on your back and minimize the risk of developing chronic pain.  

Pain Management Techniques: Physiotherapy includes various pain management techniques, such as heat or cold therapy, ultrasound, and electrical stimulation. These methods can help manage acute back pain and facilitate recovery.  

Preventive Strategies: Physiotherapists develop preventive strategies to help individuals avoid future back pain episodes. These strategies may include ongoing exercises, lifestyle modifications, and regular check-ins to monitor progress and adjust the treatment plan as needed.  

Long-Term Benefits of Physiotherapy  

Investing in physiotherapy not only helps with immediate relief but also offers long-term benefits for posture and back pain prevention:  

Improved Quality of Life: By addressing posture and back pain, physiotherapy enhances overall comfort and functionality. You can enjoy daily activities without the limitations imposed by pain or discomfort.  

Enhanced Physical Performance: Good posture and a strong, flexible back contribute to better physical performance in various activities, from sports to recreational pursuits. Physiotherapy helps you achieve and maintain optimal physical function.  

Reduced Risk of Chronic Issues: Early intervention through physiotherapy can prevent minor issues from escalating into chronic conditions. By addressing problems proactively, you reduce the risk of developing long-term back pain or related complications.  

Increased Awareness: Physiotherapy fosters a greater awareness of body mechanics and posture. This awareness empowers you to make informed choices about your activities and habits, contributing to better long-term health.  

Conclusion  

Physiotherapy offers valuable benefits for improving posture and preventing back pain. By focusing on personalized assessments, targeted exercises, posture training, and pain management techniques, physiotherapy addresses both the symptoms and underlying causes of posture-related issues.  

Embracing physiotherapy as part of a proactive approach to health can lead to lasting improvements in posture, reduced back pain, and enhanced overall well-being. If you are experiencing posture problems or back pain, consider consulting a specialist for physiotherapy in the Cayman Islands to explore how these services can help you achieve and maintain optimal health.  

[cpeinc]

Ethics and Accountancy: Cases that Rocked the Industry and the World

A once famous actor said that there were only two people he had on instant dial: his lawyer and his accountant. Now that story may ring false, but it is true that in the world, our lives and fiances depend a lot on these professionals.

And when one of them fails to follow the Code of Conduct and Ethics that is part of their profession, it’s not just the client that suffers. Basically, everyone involved is affected when there are ethics and conduct violations in accounting and finance.

It’s no surprise that this makes Ethics CPE for accountants a valuable and required component of their professional careers. Continuing professional education credits are part of a CPA’s ongoing continuing education requirement, with Ethics as a state requirement they cannot skip.

When accountants violate their Code of Conduct, the ramifications affect the finances of companies and private individuals. Moreover, it erodes the public trust in professionals and the institutions they work for.

Here are some of the biggest cases of fraud in accountancy that shook the economies of the world.

The Lehman Brothers

The repurchase agreement that almost destroyed the country, the global financial services firm hid $50 billion loans as sales for the firm. The frim used a loophole in the system, allowing the sale of toxic assets to offshore banks in the Cayman Islands.

These unethical practices were revealed in 2008, when Lehman Brothers filed for bankruptcy. Their clients were soon transferred to other broker-dealers, while thousands of people lost their jobs, further putting the economy in a dangerous tailspin.

The Madoff Ponzi Scheme

The Bernie Madoff Investment Securities tricked investors of more than $64.8 billion in a Ponzi scheme that used investors’ money to pay returns to themselves or other investors. Madoff was sentenced to 160 years, while many of his investors were left penniless and robbed of their life savings.

Enron

In 2001 Enron was an energy and utility company that soon joined in energy trading, which allowed them to bet on the future prices of energy sources. However, it was soon revealed by a whistleblower that the company hid huge debts in their books, and that it had been losing money to almost $74 billion.

This resulted in the closure of the energy giant, and thousands of investors and employees lost retirement accounts and employment. Many of their overseas partners also closed too, resulting in many more workers losing jobs.

WorldCom

This was an accounting scandal that began when the company fraudulently inflated their assets to billions of dollars. The CEO committed a failure in accurate financial reporting, resulting in using costs as capital and adding fraudulent entries that inflated their revenues.

The company’s internal auditing discovered the fraud, with accounts that reached $3.8 billion in value. This resulted in a WorldCom filing for bankruptcy, with more than 30,000 people losing their jobs and investors losing more than $180 billion.

Ethics in Accounting Matters

Continuous learning is imperative for finance professionals, especially when it comes to Ethics. These cases are often studied and assessed to complete CPA Ethics and CPE credits requirements, but also give accountants and professionals a deeper understanding why following a strict Code of Conduct matters. For financial professionals interested in taking online CPE courses for ethics, CPE Inc. is the best place to go. They offer a wide range of Ethics course options, so visit cpeonline.com to earn your CPE credits with ethics as a focus.

For more in formation about Continuing Professional Education Cpa and CPE Course please visit:- CPE Inc.

[juliaswansoninsuranceadvisor]

The Importance of Life Insurance in the Cayman Islands and How to Choose the Right Plan

Life insurance is an essential part of financial planning, especially in the Cayman Islands. It provides peace of mind and financial security for your loved ones, ensuring they are protected in the event of your untimely passing. However, choosing the right life insurance plan can be challenging, given the variety of options available. This guide aims to help you understand the importance of life insurance and provide tips on how to choose the best plan for your needs.

Why Life Insurance is Crucial in the Cayman Islands

Financial Security for Your Family Life insurance acts as a safety net for your family. In the event of your death, your loved ones will receive a lump sum or regular payments to cover living expenses, debts, and other financial obligations. This financial support can be critical, especially if you are the primary breadwinner.

Covering Funeral Costs Funerals can be expensive, and the last thing you want is to leave your family with the burden of covering these costs. A life insurance policy can help cover funeral expenses, ensuring your family doesn’t have to dip into their savings or take out loans.

Mortgage and Debt Protection If you have a mortgage or other significant debts, life insurance can help protect your family from losing their home or falling into financial hardship. The payout from your policy can be used to settle outstanding debts, providing financial stability during a difficult time.

Supporting Your Children’s Future Life insurance can also be a way to secure your children’s future. The funds from your policy can be used for their education, ensuring they have the resources to pursue their dreams even in your absence.

Types of Life Insurance Plans Available in the Cayman Islands

Term Life Insurance Term life insurance provides coverage for a specific period, such as 10, 20, or 30 years. It is generally more affordable than other types of life insurance and is a good option if you need coverage for a specific time frame, such as until your mortgage is paid off or your children are grown.

Whole Life Insurance Whole life insurance provides coverage for your entire life and includes a savings component that accumulates cash value over time. This type of policy is more expensive than term life insurance but offers lifelong protection and the ability to build savings.

Universal Life Insurance Universal life insurance is a flexible type of life insurance that allows you to adjust your premiums and death benefit as your needs change. It also includes a cash value component that earns interest.

Critical Illness and Cancer Plans These specialized plans provide coverage in the event of a critical illness, such as cancer. They offer financial support to cover medical expenses, treatment, and recovery, ensuring you and your family are protected during a challenging time.

How to Choose the Right Life Insurance Plan

Assess Your Needs Start by assessing your financial situation and the needs of your dependents. Consider factors such as your income, debts, and the future expenses of your family. This will help you determine the amount of coverage you need.

Consider Your Budget Life insurance premiums can vary significantly depending on the type of policy, the amount of coverage, and your age and health. Consider your budget and choose a plan that provides adequate coverage without putting a strain on your finances.

Compare Plans and Providers Take the time to compare different life insurance plans and providers in the Cayman Islands. Look at factors such as coverage options, premium rates, and the reputation of the insurance company. Working with an experienced insurance advisor can help you navigate through the options and find the best plan for your needs.

Read the Fine Print Before purchasing a life insurance policy, make sure to read the fine print. Understand the terms and conditions of the policy, including any exclusions or limitations. This will help you avoid surprises and ensure you are getting the coverage you need.

Seek Professional Advice Choosing the right life insurance plan can be complex, and it’s essential to seek professional advice. As an insurance advisor in the Cayman Islands, I can help you understand your options and find a plan that meets your unique needs and financial goals.

Conclusion

Life insurance is a critical component of financial planning, providing security and peace of mind for you and your loved ones. By understanding the importance of life insurance and taking the time to choose the right plan, you can ensure your family’s financial future is protected. If you have any questions or need assistance with selecting the right life insurance plan, feel free to contact me today.

About Julia Swanson

Julia Swanson is a trusted insurance advisor in the Cayman Islands, specializing in life insurance, mortgage and income protection, critical illness (cancer plans), and investment plans. With a focus on helping clients achieve their financial goals, Julia offers personalized advice and solutions tailored to meet each client’s unique needs.

[irg-cayman]

Properties in George Town: Invest in the Heart of Historic Neighborhoods

From pre-determining the budget to familiarizing oneself with the legal & tax implications to assessing the future potential, a myriad of factors are considered before purchasing a property for sale in the Cayman Islands. Among the many aspects, locations and neighborhoods become a cornerstone that significantly influences the decision-making of a potential buyer. 

While the Islands is teeming with numerous pristine and vibrant areas, George Town takes center stage with 600 banks & trust companies, a cruise port, prestigious educational institutions, bustling shopping markets, cultural & historical attractions, fine dining establishments, serene surroundings, jaw-dropping beaches, and adrenaline pumping adventures. 

When it comes to making a real estate investment in George Town, you are not only spoiled for choices but also waver between multiple irresistible options, such as Red Bay, South Sound, Camana Bay, Seven Mile Beach, and so many more. But not anymore!

Bid farewell to indecisiveness and wave hello to endless possibilities with this write-up exhibiting the vicinities that are beyond a space to reside.

Let’s walk through it, shall we?

Explore, Invest & Flourish in the Neighborhoods of George Town

Seven Mile Beach

This 6.3-mile-long, pearl-white beach, surrounded by turquoise waters, beckons travelers and investors alike to immerse in its unparalleled beauty. Seven Mile Beach, nestled in the warm embrace of George Town, has everything an explorer seeks — world class thrills, a variety of beach bars, luxury accommodations, and shopping centers. 

If you plan to acquire an asset in this Caribbean pride, don’t contemplate and seize the opportunity today. Whether you are hunting for a seaside retreat amidst nature, a contemporary condominium positioned on the lively streets, or a sophisticated commercial space for your next venture, Seven Mile Beach features a variety of property for sale in the Cayman Islands, suiting every discerning buyer.  To Read a full blog, click on this link.

[1188ps]

Global Drug Discovery Outsourcing Market Development, Key Opportunities, Key Players Challenges, Drivers, Outlook, Growth Opportunities - Analysis to 2031

Global Drug Discovery Outsourcing Market Overview:

The Global Drug Discovery Outsourcing Market Size Analysis, 2021 market research report is in-depth, giving you all the information you need to make informed industry decisions and develop strategic growth plans. Regardless of the production method or cost structures, this report provides a full understanding of advanced tactics and plans.

The study covers the Global Drug Discovery Outsourcing market's most recent revenue and market trends. It stresses a market overview, definition, and structure, as well as preventative and pre-planned management. The report focuses on the factors that influence the Global Drug Discovery Outsourcing Market, such as gross margin, cost, market share, capacity utilization, and supply. It also aids in determining the future potential of the  Global Drug Discovery Outsourcing  Market in the next years. The report presents a market overview through common subjects that are highlighted with unique data based on the need. This overview aids in making decisions about how to approach the market and comprehending the industry's backdrop.

Request for free sample: https://www.maximizemarketresearch.com/request-sample/97003

Market Scope:

The research examines the most important market trends and how they will affect new business investments and development in general. New technology, foreign entry, new rules, government investment, new uses, and other industry dynamics are all influenced by market trends. This study includes a detailed trend analysis to assist you in making educated industry decisions in the Global Drug Discovery Outsourcing market.

The Global Drug Discovery Outsourcing Industry 2021 Market Research Report provides exclusive key statistics, facts, information, trends, and competitive landscape insights in this particular field. The current situation of the Global Drug Discovery Outsourcing market is examined, and the market is forecasted to 2027. Company profiles, product images and specs, capacity, production, price, cost, revenue, and contact information for global leading manufacturers of Global Drug Discovery Outsourcing market share are likely to be included in the study. Raw materials and equipment are also available.

Get more Report Details: https://www.maximizemarketresearch.com/market-report/global-weight-loss-services-market/97003/

Key players:

• CHARLES RIVER LABORATORIES INTERNATIONAL, INC. • WuXi AppTec Co., Ltd. • Albany Molecular Research Inc. (AMRI) • GVK Biosciences Private Limited • Sygnature Discovery • Pharmaron Beijing Co., Ltd • WuXi Biologics (Cayman), Inc. • Domainex Ltd. • Thermo Fisher Scientific, Inc. • Jubilant Biosys Ltd. • Evotec SE • Eurofins Discovery, • GenScript Biotech Corporation • Asclepia MedChem Solutions • Asinex Ltd. • AsisChem Inc. • Aurelia Bioscience Ltd • Axxam SpA • Selcia Ltd • Selvita S.A.

The research report focuses on the current market size of the Global Drug Discovery Outsourcing market and their growth rates, based on records and financial information with a company profile of major players/manufacturers.

Regional analysis:

Regional Insights in our studies ensure that you are well-versed in the Global Drug Discovery Outsourcing market on a regional level. Any meaningful assessment of potential policy options in response to global market change requires a thorough understanding of local energy, economic, political, and geographic characteristics. The  Global Drug Discovery Outsourcing market's operation has a substantial impact on local development plans. Our report allows us to conduct regional analyses while also accounting for the effects of the  Global Drug Discovery Outsourcing market and local growth in other places. At the regional, national, and international levels, we conduct a wide spectrum of high-resolution regional research. We also offer POSTAL and PORTAL analyses to help you better understand the  Global Drug Discovery Outsourcing market in a certain region. Our study also includes company profiles from various regions, as well as information on their business strategies and statistics.

COVID-19 Impact Analysis on Global Drug Discovery Outsourcing Market:

The report has identified the detailed impact of COVID-19 on the  Global Drug Discovery Outsourcing market in regions such as North America, Asia Pacific, Middle-East, Europe, and South America. The report provides a comprehensive analysis of alternatives, difficult conditions, and difficult scenarios of the  Global Drug Discovery Outsourcing market during this crisis. The report briefly elaborates the advantages as well as the difficulties in terms of finance and market growth attained during the COVID-19. In addition, the report offers a set of concepts, which is expected to aid readers in deciding and planning a strategy for their business.

Key Questions Answered in the Global Drug Discovery Outsourcing Market Report are:

Which product segment grabbed the largest share in the Global Drug Discovery Outsourcing market?

How is the competitive scenario of the Global Drug Discovery Outsourcing market?

Which are the key factors aiding the Global Drug Discovery Outsourcing market growth?

Which region holds the maximum share in the Global Drug Discovery Outsourcing market?

What will be the CAGR of the Global Drug Discovery Outsourcing market during the forecast period?

Which application segment emerged as the leading segment in the Global Drug Discovery Outsourcing market?

Which are the prominent players in the Global Drug Discovery Outsourcing market?

What key trends are likely to emerge in the Global Drug Discovery Outsourcing market in the coming years?

What will be the Global Drug Discovery Outsourcing market size by 2027?

Which company held the largest share in the Global Drug Discovery Outsourcing market?

About Us:

Maximize Market Research provides B2B and B2C research on 12000 high growth emerging opportunities & technologies as well as threats to the companies across the Healthcare, Pharmaceuticals, Electronics & Communications, Internet of Things, Food and Beverages, Aerospace and Defense and other manufacturing sectors.

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Related Link: https://www.marketwatch.com/press-release/sweet-spreads-market-development-history-worldwide-industry-expansion-research-report-and-future-forecast-to-2027-2022-02-08?mod=search_headline

https://www.marketwatch.com/press-release/global-neonatal-intensive-care-market-growth-status-manufacturing-cost-structure-and-future-investments-analysis-report-2027-2022-02-08?mod=search_headline

https://www.marketwatch.com/press-release/photochromic-lenses-market-growth-status-manufacturing-cost-structure-and-future-investments-analysis-report-2027-2022-02-08?mod=search_headline

[kidsability]

Find the Best for your kid at Kidsability

KidsAbility is a pediatric therapy clinic in Cayman that provides speech-language therapy services to children. Our Speech Therapy Pathologists are dedicated to helping children reach their communication goals and ensure they can communicate effectively with the world around them. We understand that every child has unique needs and our team of specialists will work with you to develop an individualized plan that meets those needs. From assessment, diagnosis, and treatment plans, our experienced therapists will help your child reach their full potential.

[khalilhumam]

Meet Matt Collin, David M. Rubenstein Fellow in Global Economy and Development

Register at https://mignation.com The Only Social Network for Migrants. #Immigration, #Migration, #Mignation ---

New Post has been published on http://khalilhumam.com/meet-matt-collin-david-m-rubenstein-fellow-in-global-economy-and-development/

Meet Matt Collin, David M. Rubenstein Fellow in Global Economy and Development

By Tylena Patton-Bullock

I’m Matt Collin, I’m a David M. Rubenstein Fellow in the Global Economy and Development program at Brookings. Q: Where did you grow up? I was born in the United Kingdom, but when I was only a few months old my parents moved to the small town of Conway, South Carolina, so I grew up in Conway. But, because my mother’s side of family is from the UK, we were going back and forth quite a lot. That is why I somehow come out of the whole thing not sounding quite like I’m from Conway or from the UK at the same time. So, I spent my first 20 years in South Carolina, growing up and going to undergrad at Clemson. Q: What inspired you to become a scholar? When I look back and think about why I became a scholar it’s very difficult to pin down that precise moment. And these things tend to be a lot more random than we often like to think about them. To give you one example of the year when I decided to do a Ph.D., I applied to do a Ph.D., but I was so uncertain about the whole thing that I applied to go film school. I didn’t get into film school, and I got a full ride to go do a Ph.D. in economics. So sometimes it feels like chance pushes you in a different direction. But I think there’s two things that nudged me toward being a scholar that works on issues of international development. The first are my parents. As I said, I grew up in Conway, where my dad taught international politics and my mom was a nurse practitioner caring for mainly poor patients from the community. From dad, I got the sense that there’s a wider world outside of Clemson. At the time, I was studying mathematics because I liked to work on problems that had a solution. But most of the things that I’ve worked on didn’t really have much applicability to the rest of the world. Dad would pull me into his own workplace saying things like “could you explain the United Nations Development Program’s population tables to me? Could you explain the Gini index to me?” (which is a popular measure of inequality). Through that I began to become interested in issues of the outside world, particularly those related to poverty. And when I got to college, I started to study economics and so I realized that there was a way to use the math-y side of my brain and start applying it to real world issues. [related]The second kind of formative moment was when, after grad school in development economics, I went to work as a civil servant in the Ministry of Finance in Malawi, in southern Africa. This is a program that’s run by a think tank called the Overseas Development Institute that sends young economists off to work in developing countries as civil servants. I was there for two years and working for the Malawian government really gave me both a sense for how governments in these places can function and how they can sometimes dysfunction. But also, Malawi was a very aid-dependent country at the time. In many ways, we were beholden to international donors, which were providing a lot of the national budget. And it began to open my eyes about the fact that for a lot of these countries, while their own decisions about policy make a huge difference for their ability to fight poverty, a lot of those decisions were made outside of their own borders. And that began to clue me into other issues, like climate change, migration, trade policy—things that affect developing countries—but are sometimes outside of their control. So, with that experience in mind, that began to become more of a focus in my own work after I received my Ph.D. and started working in a think tank space. Q: What do you think is the most important issue we are facing today? If I’m being honest the most important issue we’re facing today is probably climate change, which makes it awkward that I don’t work at all on climate change. For me, it’s always been a question of finding ways to reduce poverty and inequality. Despite the fact that we’ve made a lot of progress in reducing poverty over the last 30, 40 years, the bar is very rightly going to be moved up in terms of what level of poverty we care about. I see climate change as probably being one of the bigger threats to reducing poverty in the future. But I don’t think that there’s one thing that we should always be focused on. I think climate change and migration are two of the biggest levers through which we have to worry about poverty in the future. In my case, I worry a lot about how we get the rules of an international economic system right in order to make it easier for poorer countries to pull themselves out of poverty. So, I think it’s less about there being one particular thing we should all be focused on and instead different fronts that we need to be fighting. Q: What are you working on right now? During my time here at Brookings I am largely focused on thinking about where people stash money that they’re trying to hide from tax authorities or from their own governments. There’s a broad umbrella of research around something called “illicit financial flows.” This is a big bucket of stuff that includes money laundering, cross-border tax evasion, proceeds of drugs, as well as terrorist financing. So, my work kind of focuses on two things. We’re trying to make it harder for people to keep money in the Cayman Islands or to move the proceeds of corruption without being detected. So, one is trying to determine if the institutions and policies we’re putting in place to try and reduce illicit financial flows are making a difference. Just recently a story broke about Isabel dos Santos, the daughter of the former president of Angola. Documents have been leaked that show that she had a massive network of offshore companies used possibly to launder money that she made off of her connections to the Angolan government. These companies were running in largely rich countries with very strong anti-laundering institutions. So, trying to get a sense of if these policies are actually effective is a large part of what I try to do. It’s a difficult thing because, unfortunately, money launderers don’t respond to the surveys that we send out. So, you’re trying to measure something that, by its very nature, wants to stay hidden. Some of the work that I do with my co-authors is to look at recent leaks of information and try to see when we have a leak of data that involves a big money laundering scheme, like the one that happened with the dos Santos case. We also assess if the people running that scheme seem to be reacting to new policies coming into place in different jurisdictions. So, if the Cayman Islands started sharing more information with the United Kingdom, do we see money laundering operations linked to the UK move out of the Cayman Islands for fear of being detected? That’s one part of it, figuring out whether-or-not these policies are effective. The second part is trying to better understand what some of the costs of these policies might be. If regulators tighten the screws on banks and ask them to work harder to make sure that they’re not facilitating the movement of dirty money, banks often very rationally try and do this in the least costly way possible. Sometimes they’re going to make a choice to continue doing business with clients that are going to make them a lot of money and to do less business with clients who are not going to make them a lot of money. This often means that clients from poorer countries, ones that don’t often have huge revenue implications for banks, may be more at risk of being de-banked because of rising costs. With a couple of co-authors from the UK, we’re working on updating a study that looks at the changes in payment flows going to developing countries when they are put on a high-risk list by regulators vis-à-vis money laundering and terrorist financing. And we’re finding significant effects, and so it’s less about saying that these policies shouldn’t be put in place and more about just accounting for what actual costs are. Q: If you could recommend any book for our listeners, what would it be? One of the books I enjoyed the most over the last decade or so was Jason Stearns’ Dancing in the Glory of Monsters. It’s a very readable account of the first and second Congolese wars which took place in the late ’90s up until the beginning of the 2000s. And it does a very good job at mapping out not only elements that led to those wars, but also all the different players that are involved, not just the Congolese, but the Rwandans and Ugandans, and other neighbors of Congo. The reason why I like to recommend this book to people right now in my profession and those that work in development is there seems to be a little bit of an implicit agreement that there is a trade-off in some countries between progress in the sphere of development—some improving people’s welfare, increasing life expectancy, improving education—and in their rights. There are a number of countries, especially in sub-Saharan Africa—Ethiopia maybe until most recently, but also especially Rwanda—where they’ve been making great strides in improving people’s well-being. But these same administrators, these same governments, are curbing the right to free speech, the right to participate in a normal democracy. I think most people have made the calculation that it’s a trade-off, at least for now, that’s worth making. But they’re often making that calculation just with respect to those countries. What Stearns’ book reveals is Rwanda was hugely implicated in the start and duration of both the first and second Congolese wars, wars that led to the deaths of millions and millions of people. Rwanda had a very good reason to be involved: it was reeling from a very recent genocide and they wanted to make sure it never happened again. But even as late as 2012, Rwanda was implicated in a lot of violence that was happening just across its borders. So, I think when people do the accounting to say we’re okay with development and progress, we’re okay with these costs in terms of freedoms, they also need to be including the costs that are being incurred by people in the DRC just across the border. And I think the book is a nice illustration of that.

[abigailskoda]

Choosing an Online Casino - Traps You Should Watch Out For

Picking an online gambling club is loaded up with traps and disinformation. The immense measure of cash included implies that the decisions introduced to you through web search tools or the data given in promotions either on the web or disconnected is so financially arranged that it is basically difficult to track down target club audits or genuine and precise data. Attempting to pick a decent internet betting website will regularly leave you confounded and in case you're unfortunate, misled and ripped off  so de mien trung Web based betting locales have a moderately long history on the web and they have generally delighted in the advantages of being totally unregulated aside from in the UK. This implied picking an online club used to mean a decision between locales that were not responsible to anybody and could take your cash and run. Instructions to pick a safe online gambling club turned into an immense worry for players thus online entryways started to give the idea that helped players to choose which online club to pick.

This has helped players settle on a superior educated decision between internet betting locales, as maverick administrators become known and club gateway proprietors can boycott them. Seeing gambling club examinations dependent on different factors, for example, which site has the most noteworthy reward, which has the best openings, which has the most elevated table stakes, which has the best poker and VIP program and so on is surely more helpful than seeing a one-sided advert for only one gambling club. Anyway there are issues here as well.

Practically all aides and entrances are in truth bands together with the web based betting destinations they are inspecting, so despite the fact that they might be looking at a few club and evaluating them, they will have some that they would prefer you picked over others, since they have been offered a superior arrangement to suggest that you pick a specific internet betting webpage. The appraisals, regularly out of ten or five stars for instance, are manufactured to mirror their favored decision thus equitably are totally unimportant.

How best to pick an online club then with the issues of unregulated maverick administrators and one-sided data soaking the web crawler results?

Luckily the UK have completely authorized and directed online gambling clubs in the UK. So as to maintain a strategic distance from the conceivably rebel seaward administrators situated in island expense safe houses, for example, Costa Rica and the Cayman Islands, players ought to pick a gambling club based and managed in the United Kingdom of England, Wales, Scotland and Northern Ireland. These UK online gambling clubs face exceptional investigation into their funds to guarantee that all player exchanges are above board and all players get paid immediately when they money out. Hostile to extortion checks are set up and the product is tried consistently for irregularity. Simply in the wake of finishing every one of these assessments are they given a UK permit.

A web based betting webpage situated in the UK is in this manner a sheltered and secure decision, and they invite players from most nations on the planet, yet there are as yet a significant number of these UK gambling clubs to browse. With UK gambling club entrances offering one-sided audits and evaluations there are three elements you should remember so as to settle on an educated decision that will lead you to pick your ideal online club.

Pick Popularity - which online club has the most players? Players are the genuine specialists and will normally float away from less fortunate destinations and towards the best ones.

Pick Bonuses - which online gambling clubs truly offer the best rewards? You will discover a huge number of 'extra aides' however without demonstrating the extra terms and conditions they are futile and the enormous rewards are in every case unrealistic. A reward guide should rank rewards by reasonableness first, and size second.

Pick Security - the administrator ought to be situated in the UK and in a perfect world the organization ought to be recorded on the British stock trade to guarantee greatest security. Utilizing PayPal to store and pull back your rewards includes another layer of security.

[damajority]

DaMajority Fresh Article https://www.damajority.com/two-caribbean-judges-appointed-to-united-nations-dispute-tribunal/

Two Caribbean Judges appointed to United Nations Dispute Tribunal

Two Caribbean Judges appointed to United Nations Dispute Tribunal

OECS Media Statement

  Monday, July 22, 2019 — The 73rd Session of the United Nations General Assembly recently elected two Caribbean nationals, Justice Francis Belle of Barbados and Justice Eleanor Donaldson-Honeywell of Trinidad and Tobago, to serve 7 year terms of office on the United Nations Dispute Tribunal (UNDT) as half-time judges. The appointments took effect on July 10, 2019. UNDT half-time judges serve on rotation in New York, USA; Geneva, Switzerland; and Nairobi, Kenya.

Four judges were elected by secret ballot in total, Justice Rachel Sikwese of Malawi and Justice Margaret Tibulya of Uganda, were also appointed. Judges will serve on one of two entities — the other being the United Nations Appeals Tribunal — that comprise the Organisation’s system of the administration of justice for employment-related disputes.  Half-time judges on the Dispute Tribunal are deployed up to a cumulative period of six months per year, as decided by the President based on the caseload and any judicial absences affecting the work of the Tribunal.

Through resolution 62/228, adopted in 2007, the Assembly decided that it will appoint judges to those tribunals based on the recommendation of the Internal Justice Council.  As such, the judges elected were selected from a circulated list of candidates recommended by the Council (documents A/73/911 and A/73/911/Corr.1).  Also before the Assembly was a related memorandum by the Secretary-General (document A/73/917).

To be eligible for appointment as a judge to the Dispute Tribunal, candidates must be of high moral character and impartial; possess at least 10 years of judicial experience in the field of administrative law or the equivalent within one or more national jurisdictions; and be fluent, both orally and in writing, in English or French.

A total of 325 applications were received globally, 51 of which came from Latin America and the Caribbean. 96 candidates advanced to the written assessment stage and 23 were invited to interview with the Internal Justice Council at the Hague, Netherlands. Finally, 7 candidates received the Council’s recommendation for consideration of an appointment by the General Assembly and 4 were appointed by the General Assembly by way of a secret ballot in an election process.

Results for Vote to Fill Half-Time Vacancies on Dispute Tribunal

Number of ballots: 171 Number of invalid ballots: 1 Number of valid ballots: 170 Number of abstentions: 0 Number of Members voting: 170 Majority required: 86 Number of votes obtained:   Margaret Tibulya (Uganda): 110 Rachel Sikwese (Malawi): 109 Eleanor Donaldson-Honeywell (Trinidad and Tobago): 101 Francis Belle (Barbados): 88 Cristiane Souza de Castro Toledo (Brazil): 85 Heinrich Glasser (Germany): 82 Ole Jan van Leeuwen (Netherlands): 75

  About Justice Francis Belle:

Justice Francis H.V Belle has served as a High Court Judge for over 15-years. His judicial experience spans adjudication of criminal and civil matters, including Administrative and Employment Law actions. Justice Belle served as resident judge in Grenada, St. Kitts and Nevis, Saint Lucia, Antigua and the Commonwealth of Dominica; visiting judge in Anguilla and Montserrat with the Eastern Caribbean Supreme Court (ECSC) 2003-present. He periodically serves as acting Court of Appeal Judge with the ECSC and acting judge of the Cayman Islands Grand Court (2015-present). 

Justice Belle holds a Bachelor of Arts, History and Social Science and Bachelor of Laws from the University of the West Indies (UWI), and a Certificate of Legal Education from Norman Manley Law School in Jamaica (1986). He also holds a Master of Science in Conflict Analysis and Resolution from Nova South Eastern University in the United States (2002) and served as Chairman of Court Connected Mediation Committees in three (3) ECSC jurisdictions. As a lawyer, Justice Belle taught Criminal Law at UWI (School of Continuing Education – British Virgin Islands) and held various senior positions in both private and public sectors including Director of Public Prosecution, DPP, in St Kitts and Nevis. He is a Fellow of the Commonwealth Judicial Education Institute and Senior Fellow of the Weinstein International Foundation (Fellowship of Mediators). He was appointed UNDT half-time judge on July 10, 2019 for 7 years.

About Justice Eleanor Donaldson-Honeywell:

Eleanor Donaldson-Honeywell was appointed half time Judge of the UNDT for a seven-year term effective 10 July 2019. Judge Eleanor Donaldson-Honeywell currently serves as a Puisne Judge of the High Court of Trinidad and Tobago, presiding in Civil matters since 2015. She has also served as a Judicial Officer at the Industrial Court of Trinidad and Tobago for several years and has held office as Solicitor General in the Ministry of the Attorney General of Trinidad and Tobago.

Justice Donaldson-Honeywell has enjoyed an extensive and varied legal practice as an Attorney-at-Law and Judicial Officer in Jamaica; presiding in criminal trials and Preliminary Inquiries as a resident Magistrate, playing a pioneering role in emerging fields of securities law regulation and competition law regulation, and serving as Director of Legal Services and Enforcement at the Securities Commission. She also holds an EMBA (Distinction and Top Student) from the Arthur Lock Jack Graduate School of Business and is a certified Mediator. She is the author of” Sailor Dance” the biography of John Stanley Donaldson, her father, and mother of Warren and Kristen. Source: un.org.

[stopkingobama]

The Taxpayers are Funding America's "Shadow Bureaucracy"

As Ronald Reagan pointed out many years ago, Washington is a company town. But rather than being home to a firm or industry that earns money by providing value to willing consumers, the “company” is a federal government that uses a coercive tax system to provide unearned wealth to various interest groups.

And the beneficiaries of that redistribution zealously guard their privileges and pay very close attention to any developments that might threaten their access to the public trough.

Government Looking out for Itself

Federal bureaucrats are particularly concerned whenever there is talk about spending restraint.

They get lavishly compensated compared to folks in the private sector, so they definitely fret whenever something might happen to derail their gravy train.

A recent segment on a local station in Washington, DC, focused on their angst, and I provided a contrary point of view.

The Bureaucracy Keeps Growing

Needless to say, my friends who work for the federal government generally don’t agree with my assessment. Some of them even sent me an article from the Washington Post that claims the number of bureaucrats hasn’t changed since the late 1960s.

They claim this is evidence that the bureaucracy has become more efficient.

But they’re wrong. The official federal workforce may not have changed, but research from the Brooking Institution reveals that this statistic is illusory because of a giant shadow bureaucracy.

George Will’s latest column is about this metastasizing hidden bureaucracy, referencing author John J. DiIulio Jr. and his study on government growth:

…government has prudently become stealthy about how it becomes ever bigger. In a new Brookings paper …government expands by indirection, using three kinds of “administrative proxies” — state and local government, for-profit businesses, and nonprofit organizations. Since 1960, the number of state and local government employees has tripled to more than 18 million, a growth driven by federal money: Between the early 1960s and early 2010s, the inflation-adjusted value of federal grants for the states increased more than tenfold …“By conservative estimates,” DiIulio writes, “there are about 3 million state and local government workers” — about 50 percent more than the number of federal workers — “funded via federal grants and contracts.” Then there are for-profit contractors, used, DiIulio says, “by every federal department, bureau and agency.” For almost a decade, the Defense Department’s full-time equivalent of 700,000 to 800,000 civilian workers have been supplemented by the full-time equivalent of 620,000 to 770,000 for-profit contract employees …the government spends more (about $350 billion) on defense contractors than on all official federal bureaucrats ($250 billion). Finally, “employment in the tax-exempt or independent sector more than doubled between 1977 and 2012 to more than 11 million.” Approximately a third of the revenues to nonprofits (e.g., Planned Parenthood) flow in one way or another from government.

When you add it all together, the numbers are shocking.

“If,” DiIulio calculates, “only one-fifth of the 11 million nonprofit sector employees owe their jobs to federal or intergovernmental grant, contract or fee funding, that’s 2.2 million workers” — slightly more than the official federal workforce. To which add the estimated 7.5 million for-profit contractors. Plus the conservative estimate of 3 million federally funded employees of state and local governments. To this total of more than 12 million add the approximately 2 million federal employees. This 14 million is about 10 million more than the estimated 4 million federal employees and contractors during the Eisenhower administration.

Eliminate the Waste 

  In other words, the federal budget has expanded and so have the number of people with taxpayer-financed jobs.

By the way, there’s nothing theoretically wrong with a government bureaucracy using non-profits or contractors. And that was the point I tried to make in the interview.

I don’t care whether the Department of Agriculture or Department of Education is filled with official bureaucrats or shadow bureaucrats. What I do care about, however, is that they are part of an agency that should not exist.

And the same is true for the Department of Energy, Department of Labor, Department of Transportation, Department of Veterans Affairs, and Department of Housing and Urban Development.

Republished from International Liberty.

Daniel J. Mitchell

Daniel J. Mitchell is a senior fellow at the Cato Institute who specializes in fiscal policy, particularly tax reform, international tax competition, and the economic burden of government spending. He also serves on the editorial board of the Cayman Financial Review.

This article was originally published on FEE.org. Read the original article.

[evoldir]

Other: Caymans.YouPay.MarineConservationFieldAssist

To Whom This May Concern on EvoDir, Please circulate this announcement to anyone whom you feel would be interested in The Central Caribbean Marine Institutes (CCMI) new Reef Research Experience during the summer of 2017. Apologies for any cross-postings. CCMI is a US 501 C3 nonprofit organization, a UK charity (#1104009) and a Cayman Islands charity located on Little Cayman, Cayman Islands. As a remote tropical research, conservation, and education institution; we are aware of the discussions concerning internships, courses, experiences, etc. which are currently going on between all the list serves and welcome any professionally stated questions or comments regarding the cost or validity of research conducted during our programme. ~~~~~ The Central Caribbean Marine Institute - Little Cayman Research Station (CCMI - LCRC) *NEW* Reef Research Experience (RRE) - Coral Reef Research and Spatial Ecology *APPLICATION DEADLINE MAY 1^ST, 2017* DO YOU WANT TO CONTRIBUTE TO CORAL CONSERVATION RESEARCH? The CCMI - LCRC in the Cayman Islands is recruiting 15 junior research assistants for an exciting new coral reef and spatial ecology research experience for a two-week period during the summer of 2017. Junior Research Assistants (JRA's) will work alongside CCMI scientists to focus on answering exciting questions regarding two specific projects: Project 1: Fish Herbivory and Productivity This project is funded with the help of the Darwin Initiative, a UK government grant scheme that helps to protect biodiversity and the natural environment in developing countries and UK overseas territories. Junior research assistants will help assist with the expansion of our knowledge regarding the population dynamics of key herbivore species (such as parrotfishes and urchins) in the waters surrounding Little Cayman. Data collection regarding competition in the spatial ecology between reef fishes, algae, and stony corals will contribute to developing a biodiversity action plan for the Cayman Islands. Project 2: Coral Reef Resilience and Restoration This project is part of our Long-term Assessment and Monitoring Program (LAMP) funded by various organizations throughout the last 10 years. Junior research assistants will assist with monitoring the health of outplanted Acropora cervicornis colonies at 10 different restoration sites around Little Cayman, across various parameters such as: bleaching, disease, predation, and fragmentation. Junior research assistants will also be conducting benthic habitat surveys as part of our Coral Reef Resilience and Restoration Research program, where you will learn how to analyze data using a new program called CoralNET. CoralNet is a free platform developed by the University of California at Santa Barbara which utilizes artificial intelligence to analyze the composition of marine benthic communities. Data collected from this research will contribute to developing a restoration plan which will assist with the identification of optimal restoration sites around the Cayman Islands. LENGTH OF PROGRAMME: Session 1: July 14^th - 28^th, 2017 Session 2: August 16^th - 30^th, 2017 (If session 1 fills) PROGRAMME OBJECTIVES: - Establish a Cayman Islands CoralNet database of marine benthic communities - Enrich our existing database of fish populations, stony coral cover, and algae density - Create a Cayman Islands web-based field guide of key herbivores species - Determine localized extinction risks of endangered corals by mapping coral restoration sites and assessing coral -health at our LAMP sites EXPERIENCE YOU WILL GAIN: Minimum of 15 + research dives (weather permitting) - Knowledge of coral reef ecology; including Caribbean coral, algae, and fish identification workshops - Skills in underwater field research methods - Working directly with endangered coral species (specifically Acropora cervicornis and Acropora palmata) - Instruction on creating an experimental design, data collection, and data analysis - Analyzing coral reef images using image analysis software (CoralNet, ArcGIS, and AgiSoft) to construct photo-mosaics and underwater maps to aid in habitat restoration techniques *CCMI will issue a Certificate of Completion of 80 hours in Coral Reef Research and Spatial Ecology at the completion of the reef research experience. REQUIREMENTS: We seek a to fill 15 junior research assistant positions over a 14-day period during the summer of 2017. Requirements include: - 18+ years of age - Open Water Diver with at least 20 logged dives (Advanced certification or higher preferred) - Insured through DAN - Current enrollment in an undergraduate programme with a focus in Marine Science, Biology, Environmental Science or a related field (or a recent graduate) - Must be physically fit to work long days in the sun and on the water *CCMI will endeavor to fulfill all research dives, however if weather conditions are deemed too dangerous we reserve the right to postpone all in water activities, including SCUBA diving until the next safest period. PRICE: A fee of $2,650USD will cover: - On site accommodations for a 14-night stay - Three meals a day - Roundtrip airport transportation - Boat time - All research dives and snorkels - All necessary field equipment - The use of CCMI-LCRC bicycles - All offered course work (cumulating in 80 hours of work in Coral Reef Research and Spatial Ecology) *This fee does not cover flight costs, SCUBA equipment rental, or DAN dive accident insurance BACKGROUND AND RATIONALE: Whole economies and stable societies are rooted in healthy marine environments. For the Cayman Islands, coral reefs are one of the nation's greatest treasures that brings economic value and positive public relations to the country. What's shocking is that throughout the Cayman Islands, there are key species on the reefs including parrotfishes which are not protected by modern day fishing regulations. The Cayman Islands and especially Little Cayman, is in need of regional surveys to be conducted by CCMI faculty, staff, and interns to establish a better understanding of the diversity, abundance, and the level of threat which these key herbivories are facing. Additionally, on a global scale, coral reefs are at a heightened level of stress due to climate change, ocean acidification, and direct anthropogenic impacts. Average coral cover in the Caribbean has dropped to 14% and continues to decline globally. However, reefs in Little Cayman show an average coral cover of >20% and have recovered from four recognized bleaching events over the past decade. Specifically, during the 2015 temperature induced bleaching event, corals were moderately to severely impacted, however by 2016, these corals had recovered to what appeared to be 100% health. This recovery demonstrates the potentially resilient capabilities of corals around the reefs of Little Cayman. Restoration efforts of several threatened or endangered coral species have since expanded throughout the Greater Caribbean basin to assist with species recovery efforts. However, we do not know whether these restoration efforts are successful in the Cayman Islands. TO APPLY PLEASE SEND THE FOLLOWING to applications@reefresearch.org (no later than May 1^st, 2017): - A letter of interest (maximum 500 words) - Resume - Contact details of two persons of reference *Once accepted into the Reef Research Experience, a $550USD deposit will be necessary to secure your spot. This will come directly out of the overall programme cost of $2,650USD. Katie Correia kcorreia@reefresearch.org Science Programme Coordinator & DSO Central Caribbean Marine Institute Little Cayman Research Centre PO Box 37, Little Cayman, KY3-2501 Phone: (345) 948 1094 www.reefresearch.org "Sustaining biodiversity through research, education, outreach, and conservation." Kathryn Correia via Gmail

[kidsability]

Pediatric therapy clinic located in the Cayman Islands

KidsAbility is a pediatric therapy clinic located in the Cayman Islands that provides speech-language therapy services for children. Our Speech Therapy Pathologists have years of experience and expertise in helping children reach their communication goals. We understand the importance of early intervention and are dedicated to providing quality, compassionate care for every child. Our team works closely with families to ensure each child receives the best care and support possible. We provide comprehensive assessments, individualized treatment plans, and ongoing support to help each child reach their communication goals. With our help, your child can learn the skills they need to communicate effectively and confidently.

[yarusiholdings]

732. Podcast Using Intuitive Investing and Empowered Education to Create the life of your Dreams

Lisa Hylton is a real estate investor, syndicator and a CPA with approximately 15 years of experience in the financial services industry. Lisa started out with a Big 4 accounting firm auditing billion dollar funds across private equity, venture capital, mutual and hedge funds in the Cayman Islands, Boston and then Los Angeles. Lisa currently works as a controller on private equity real estate funds while investing passively and actively in primarily commercial real estate investments such as large multifamily apartment buildings.

Lisa’s first exposure to real estate started with a 2bed 2 bath townhouse in the Cayman Islands that she bought in her early 20s. This first investment taught Lisa many lessons, the primary ones being the importance of investing for cash flow and how to run the numbers on a property to assess whether it will be an investment with a high likelihood of cash flowing. Fast forward 10 plus years, Lisa’s preferred way to invest in real estate is through passive and active syndications. To date Lisa has invested in 2 syndications as a limited partner totaling 850 units in the Atlanta MSA and one sub-syndication raising 500K with my team of fellow Real Estate Investor Goddesses.

Lisa is also the host of the Level Up REI podcast which has a variety of series such as exploring all the ways people can invest in real estate on Tuesdays and exploring investing passively in syndications on Thursdays to be added in April 2020.

Originally from the Cayman Islands, Lisa currently resides in Los Angeles and enjoys dancing argentine tango, paddle boarding, yoga, hiking, reggae and soca music and traveling.

Follow Lisa 

www.lisahylton.com

Instagram:

@lisahyl

@thelevelupREI

Make sure to like and subscribe and share this with someone who could benefit to hear this!

Check out this episode!

[caymannewsservice]

Gov't schools closed Wednesday

Gov’t schools closed Wednesday

All government schools will remain closed until a thorough assessment has been conducted on school buildings to ensure structural integrity in the wake of Tuesday’s earthquake. The Department of Education Services (DES) confirms that following the effects of the 7.7 magnitude earthquake felt at approximately 2:10pm, followed by tsunami warnings from Hazard Management Cayman islands (HMCI),…

[markettraderesearch-blog]

Global Imatinib Mesylate Market 2019 - 99% Purity, 98% Purity

Global Imatinib Mesylate  Market 2019, Market Size Value CAGR (USD Million) for historical period (2015 – 18) and projected years (2019 – 25), SWOT All Cover in This Report

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