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  • Terminators, Galaxy Draw in Bomi County

    first_imgTerminators FC of APM Terminals Limited of Monrovia in their first outing in Tubmanburg, Bomi County, forced locals, Galaxy Oldtimers Sports Association, to a 1-1 draw, reports Omari Jackson.The friendly match was played last Sunday, April 27, at the C. H. Deweh sports pitch before a large crowd with the locals’  Athanasiue N. Torborg converting a penalty kick to take the lead in the second half after a goalless first half.The sports hungry fans had an afternoon of fun as old timers juggled the ball back and forth, and missing possible goals.Terminators FC’s technical director J. Armah Baxter featured briefly in a match that was meant to let APM Terminals Limited workers exercise their body, since all work without play, makes Jack a dull boy.Also on hand to show his skills was Liberia’s ex most celebrated soccer star, James Salinsa Debbah, the current technical director of the Barrolle Sports Association.Debbah’s presence brought some attention from the locals, especially those who were old enough to have seen the former soccer star in action. Many took pictures with him.On the game itself, the visitors dominated in the first half, with striker Nicholas Sieh performing his worst, as he fumbled on several occasions and could not discover his scoring boots.Both teams had near scoring chances but it was when James Debbah was brought in that the game changed dramatically. Salinsa, still possessing some of the qualities that made him Liberia’s most celebrated player, made clever passes to his men upfront and it was during his corner-kick that diminutive player Dakina Pederson headed home the equalizer.As the game came to a close, striker Nicholas Sieh has the glorious opportunity to have increased the tally and become the hero but he fumbled to end the game in a draw.Earlier, the team visited two areas of interest: the Blue Lake and the Liberia Government Hospital. At the hospital Dr. Gabriel Gorbee Logan, MD, took the team to tour the hospital.Technical director Baxter, James Debbah and several others presented biscuits to kids admitted to the hospital and wished them early recovery.The team spent some time at the Blue Lake and many of the players appealed to authorities to make it an income generation site.Meanwhile, Armah presented a soccer ball to their host, and told journalists that it was one way of identifying with the Galaxy Oldtimers Sports Association in a county of his birth.Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)last_img read more

  • American beaten in Wimbledon semifinal

    first_imgLONDON >> The key, for both players, was to deal with the big serve. Marin Cilic did it better.The seventh-seeded Croat advanced to his second major final by beating Sam Querrey 6-7 (6), 6-4, 7-6 (3), 7-5 at Wimbledon on Friday. He next faces Roger Federer or Tomas Berdych in Sunday’s final at the All England Club.Cilic and Querrey, both 6-foot-6, rode the strength of their powerful serves. Neither even had a break point in the first set.“Sam came out serving huge, hitting big,” Cilic said. …last_img read more

  • Transnet opens wagon maintenance facility in Northern Cape

    first_img29 July 2014State logistics company Transnet officially opened a R30-million wagon refurbishment facility in De Aar in South Africa’s Northern Cape province on Monday.The De Aar wagons depot will maintain various types of wagons for Transnet Freight Rail, functioning as a satellite workshop for the Transnet Rail Engineering Beaconsfield Depot in Kimberley.Speaking at the opening, Public Enterprises Minister Lynne Brown said the investment was aimed at increasing Transnet Freight Rail’s capacity on the main freight corridor between Johannesburg and Cape Town.This facility has already created jobs and improved rail engineering skills in the area, Brown said, adding that 47 people, 22 of them from De Aar, had already been employed, and that an estimated 300 direct and indirect jobs would be created through this facility.“Government is committed to revitalising the economy of rural towns such as De Aar, so that we create sustainable livelihoods for the local people,” Brown said. “A wagon refurbishment facility will have a long-term impact not only on De Aar but surrounding areas, as it will be a springboard for development within the broader Northern Cape province.“The establishment of such a facility brings hope to the youth of De Aar to become engineers and better their lives.”After the opening, Brown and Northern Cape Premier Sylvia Lucas handed over two new houses to families who agreed to make way for Transnet’s new Youth Multi-Purpose Precinct next to the De Aar Rail Station.The youth precinct comprises a youth shelter for 20 homeless boys, a youth educational centre, a recreational park and a social club for youth volunteers.The Transnet Foundation will fully fund the De Aar Youth Precinct NGO for the first three years (2014, 2015 and 2016). During this time, the Transnet Foundation will engage with other potential partners to invest in the precinct.Source: SAnews.gov.zalast_img read more

  • What is Bitcoin? And Should Anyone Be Buying it?

    first_img Return to article. Long DescriptionMichaelWuensch/Pixabay.com, CC0What is Bitcoin?Bitcoin is a currency system that is 100% “virtual” or computer-based. It is decentralized, meaning that no one bank or government controls it, and it is also anonymous and completely global. Transfers are made via computer through a very complex system, and do involve transaction fees. Some businesses (not many) accept bitcoin as payment.Recently, bitcoin prices have been rising astronomically, creating a lot of buzz and excitement around this currency. You or those you work with may have heard that “if only” they had invested just a small amount in bitcoin some years back, they would be very wealthy now. So, what’s the catch?Why is Bitcoin Risky?Bitcoin is a risky investment in part due to the risk that it can be hacked. Hacking is obviously a significant issue whenever we talk about a computer-based currency. Though innovators are working hard to come up with solutions to keep the “keys” that secure bitcoin more safe and to make it more and more difficult to hack the system, the problem is far from solved.It’s also true that if you lose the “keys” that unlock your bitcoin, you have a problem. Again, technology is working to solve this problem. For instance, it’s possible to buy hardware-based “wallets” whose information can be recovered even if they are physically lost.Scammers also have taken advantage of the allure and mystique of virtual currencies and have managed to cheat people into purchasing completely fake cryptocurrency.Another reason bitcoin is risky is that the government still hasn’t really figured out how to regulate it. Bitcoin’s anonymous nature has meant that it has been a favored currency of some unsavory characters, which has caused some general concern. The concept of bitcoin is also still so new that the government is unsure what it really “is” and how to handle it. It is possible that new laws could drastically regulate bitcoin in unfavorable ways or even shut the bitcoin market down, which would be a major problem for anyone holding it.Bitcoin is also risky due to its historical price volatility. Over its short existence, it has been 5 times more volatile than the S&P 500. Historically, prices for bitcoin have tended to go up spectacularly and then crash. One-day drops have been as much as 80%. Keep this in mind when you see dizzying figures.It’s important to understand that bitcoin and other virtual currencies are not backed by any bank or government. If you have a problem with bitcoin, you may not be able to get help from anybody; there may not be any customer support. In the past, some companies holding bitcoin have been unreliable, difficult to deal with, and have even lost customer funds. Who (if Anyone) Should Invest in Bitcoin?Over and over again, experts make these same statements about investing in bitcoin or other cryptocurrencies:Only invest after you have paid off consumer debt, secured your retirement, and put away money for any children’s college funds—basically, only if you have “money to play with.”Be absolutely sure you know how to keep any investment safe. This requires a high degree of tech savvy.Only invest money you would be perfectly okay with losing.This is a pretty high bar, and one most of us are not likely to be able to meet. However, it is fair to add that people have made money off of cryptocurrency, and many are highly optimistic about its future. Others say it’s a bubble, and predict a huge crash.Bitcoin is the type of opportunity that may be likely to appeal to some service members due to the intrigue that surrounds the concept, as well as the excitement of an opportunity that some see as “the next big thing.” You may also see or hear of people offering affiliate links that give others a discount on their first bitcoin purchase. These discounts are tiny compared to the risk involved.Be aware that bitcoin is not the only cryptocurrency out there, though it is still the most well-known. Ethereum and Litecoin are the two most well-known alternatives, but thousands of other cryptocurrencies exist. In generally, even less is known about these currencies than bitcoin.Finally, don’t forget that bitcoin gains are taxable. Just like gains from the stock market, gains from bitcoin sales must be reported at tax time. You can find out more here.Here is some info from the Consumer Financial Protection Bureau about bitcoin and virtual currencies:Risks to consumers posed by virtual currenciesWhat are virtual currencies and what should I know if I’m interesting in using one?References:Consumer Financial Protection Bureau. (2014). Risks to consumers posed by virtual currencies. Retrieved from http://files.consumerfinance.gov/f/201408_cfpb_consumer-advisory_virtual-currencies.pdfConsumer Financial Protection Bureau. (2016). What are virtual currencies and what should I know if I’m interested in using one? Retrieved from https://www.consumerfinance.gov/ask-cfpb/what-are-virtual-currencies-and-what-should-i-know-if-im-interested-in-using-one-en-1893/ By Carol ChurchHas anyone you know been talking about bitcoin lately? If your life is like mine, perhaps someone you know can’t STOP talking about it! It’s enough to make a financially minded person either very curious or very skeptical. https://pixabay.com/photos/bitcoin-cryptocurrency-digital-2007769/last_img read more

  • Meet us at AFCPE

    first_imgThe Personal Finance team will be set up in the Exhibitor’s Hall at the AFCPE Symposium November 19 – 21, 2019. Will you be there?Stop by our table to share your feedback of our webinars, blog posts, podcasts. What topics would you be interested in learning more about in 2020? We’d love to get to know you and hear from you.Can’t make it to the Symposium this year? Send us an email.last_img

  • State Tax and Internet Data Collection: Extra Value in Customers and Users

    first_imgStates have made progress in taxing internet businesses from income tax to sales tax on interstate transactions, but what about the data customers and other internet users leave behind? There is no uniform standard for “taxing the Internet” but every incentive to find ways to generate more tax revenue.States Losing Tax RevenueSince the internet became a place to do business and sell products and services, states have fretted over the loss of tax revenue. When fixing this conern, states struggle with:jurisdictional limitations on tax authority; andhow to characterize income generating activities and retail transactions that happen on the internet.Taxing the InternetRecently, a company selling email services over the internet to customers in the state of Washington relied on the federal Internet Tax Freedom Act (ITFA) to challenge a sales tax assessment by the state. The federal Internet Tax Freedom Act (ITFA) has prohibited states from taxing independently provided email since 2007.The Washington Department of Revenue ruled that the company’s services do not fall within the federal ban on Internet tax. The company creates and sends customized digital communications for its customers. The company is not providing standard email accounts. However, another state found that the company’s services were email under IFTA and not taxable by that state.What is email under IFTA? What can states tax without violating federal law? Is user data collected by internet businesses an item of value that could be taxed?Federal Guidance for StatesOver the last two decades, states have been sorting out how to tax transactions that exist because of the internet. Most recently, the decision in South Dakota vs. Wayfair backtracked on U.S. Supreme Court precedent to address the role that the internet plays in determining nexus between businesses and states. States use the facts of the case as a guide for creating nexus laws.So far, Congress has not indicated it will address the issues of nexus and internet transactions that involve parties from more than one state. Notably, Congress didn’t make the IFTA moratorium on taxing internet access and imposing multiple or discriminatory taxes on electronic commerce permanent until February of 2016.State Tax Under ITFAITFA does not ban internet taxes that are structured to substitute for or supplement state corporate income taxes, including gross receipts taxes.For example, income from advertising services would be included in the federal income tax calculation relied on for a state’s income tax return.Also states may tax internet advertising services under:gross receipts tax laws; orsales tax laws for services.Wayfair has made it easier for states to apply sales tax laws to the activities of online marketplaces.Finally, income from the sales of data collected from internet shoppers is subject to state income tax sourcing rules. Sales factor sourcing rules, for example, vary by state. They may source sales of intangible property to a state if:the property is used in the state; orthe income-producing activity is easily identified with a state based on other factors.However, what about the value that a company itself receives from the user data it collects on its retail website? The internet customer pays a set price for a good or a service, but the retail business receives more value from doing business on the internet than collecting sales or advertising revenue. It sells data from users other than customers, and itself receives a benefit from the collected data.A Different Tax Perspective on Digital from EuropeEU countries have, in recent years, addressed this issue by discussing a 3% tax on the revenue of companies that engage in digital transactions. The tax would target revenue derived from digital transactions where internet user participation creates value for the taxpayer.In early 2018, the European Commission proposed a Digital Services Tax, or DST for countries in the EU. The proposed DST was a 3% tax on a company’s revenues derived from three activities that require participation from internet users:selling digital advertising space,digital intermediary activities such as services by online marketplaces, andsales of user collected data.The DST would apply to companies that met relatively high revenue thresholds each year.Ultimately, in November 2018, the EU countries did not agree on the DST. In March 2019, the EU countries also did not agree on a 3% tax that would target only digital advertising revenue. Unable to come to consensus with other countries, EU and other countries are devising their own tax laws for digital companies.Digital Services Taxes Coming SoonAfter the EU countries’ failure to agree on how to digital taxes should work, France, Italy, and Spain are working to pass their own DST legislation.The UK Government has proposed introducing a digital services tax that will go into effect on April 1, 2020. The 2% tax would apply to income generated from UK users of internet search engines, online marketplaces and social media. The tax would apply to businesses whose annual consolidated income is £500m or more.Lost State Tax Revenue and the Digital EconomyArguably, a tax on companies with revenues that make money from digital transactions would violate IFTA as being discriminatory and possibly a double tax. The U.S. government stated it is considering legal action in response to national DSTs in Europe.Nonetheless, in a digital economy, retailers collect data on internet users that visit their websites from each click of a link to the length of time spent on a page. That data has value to the retailer even when the user doesn’t become an actual customer. Is it market research made easy via software or is it value derived from doing business on the internet that goes beyond sales prices?States may be continuing to ask whether they are losing tax revenue in the digital economy. The question extends beyond a state’s jurisdiction to tax.Is there an equivalent to user data in non-ecommerce transactions that would trigger ITFA?By Lisa Lopata, J.D.Login to read more on CCHAnswerConnect.Not a subscriber? Sign up for a free trial or contact us for a representative.last_img read more

  • Angioplasty and stent- heart- discharge

    first_imgAlternate NamesDrug-eluting stents – discharge; PCI – discharge; Percutaneous coronary intervention – discharge; Balloon angioplasty – discharge; Coronary angioplasty – discharge; Coronary artery angioplasty – discharge; Cardiac angioplasty – discharge; PTCA – discharge; Percutaneous transluminal coronary angioplasty – discharge; Heart artery dilatation – dischargeWhen You Were in the HospitalYou had angioplasty when you were in the hospital. You may have also had a stent placed. Both of these were done to open narrowed or blocked coronary arteries, the blood vessels that supply blood to your heart. You may have had a heart attack or angina (chest pain) before the procedure.What to Expect at HomeYou may have pain in your groin area, arm, or wrist. This is from the catheter (flexible tube) that was inserted to do the procedure. You may also have some bruising around and below the incision.The chest pain and shortness of breath you had before the procedure should be much better now.Self-care In general, people who have angioplasty can walk around within 6 hours after the procedure. Complete recovery takes a week or less. Keep the area where the catheter was inserted dry for 24- 48 hours.If the doctor put the catheter in through your groin:Walking short distances on a flat surface is okay. Limit going up and down stairs to around 2 times a day for the first 2 to 3 days.Do NOT do yard work, drive, squat, carry heavy objects, or play sports for at least 2 days, or for the number of days your doctor tells you to wait.If the doctor put the catheter in your arm or wrist:advertisementDo NOT lift anything heavier than 10 pounds (a little more than a gallon of milk) with the arm the catheter was in.Do NOT do any heavy pushing or pulling with that arm.For a catheter in your groin, arm, or wrist:Avoid sexual activity for 2- 5 days. Ask your doctor when it will be okay to start again.Do NOT take a bath or swim for the first week. You may take showers, but make sure the area where the catheter was inserted does not get wet for the first 24- 48 hours.You should be able to return to work in 2- 3 days if strenuous activity is not part of your job.You will need care for your incision.Your doctor or nurse will tell you how often to change your dressing.If your incision bleeds or swells up, lie down and put pressure on it for 30 minutes.Angioplasty does not cure the cause of the blockage in your arteries. Your arteries may become narrow again. Eat a heart-healthy diet, exercise, stop smoking (if you smoke), and reduce stress to help lower your chances of having a blocked artery again. Your health care provider may give you medicine to help lower your cholesterol.Most people take aspirin or another medicine called clopidogrel (Plavix), prasugrel (Efient), or ticagrelor (Brilinta)after this procedure. These medicines are blood thinners. They keep your blood from forming clots in your arteries and stent. A blood clot can lead to a heart attack. Take the medicines exactly as your doctor tells you. Do not stop taking them without talking with your doctor first.You should know how to take care of your angina if it returns.Make sure you have a follow-up appointment scheduled with your heart doctor (cardiologist).Your doctor may refer you to a cardiac rehabilitation program. This will help you learn how to slowly increase your exercise. You will also learn how to take care of your heart disease, such asTaking care of your anginaCare after a heart attackWhen to Call the DoctorCall your doctor if:There is bleeding at the catheter insertion site that does not stop when you apply pressure.There is swelling at the catheter site.Your leg or arm below where the catheter was inserted changes color, becomes cool to touch, or is numb.The small incision for your catheter becomes red or painful, or yellow or green discharge is draining from it.You have chest pain or shortness of breath that does not go away with rest.Your pulse feels irregular — very slow (fewer than 60 beats), or very fast (over 100- 120 beats) a minute.You have dizziness, fainting, or you are very tired.You are coughing up blood or yellow or green mucus.You have problems taking any of your heart medicines.You have chills or a fever over 101 F.References Kushner FG, Hand M, Smith SC Jr., King SB 3rd, Anderson JL, Antman EM, et al. 2009 Focused Updates: ACC/AHA Guidelines for the Management of Patients With ST-Elevation Myocardial Infarction (updating the 2004 Guideline and 2007 Focused Update) and ACC/AHA/SCAI Guidelines on Percutaneous Coronary Intervention (updating the 2005 Guideline and 2007 Focused Update): a report of the American College of Cardiology Foundation/American Heart Association Task Force on Practice Guidelines. Circulation. 2009;120:2271-2306.advertisementWright RS, Anderson JL, Adams CD, Bridges CR, Casey DE Jr, Ettinger SM, et al. 2011 ACCF/AHA focused update incorporated into the ACC/AHA 2007 Guidelines for the Management of Patients with Unstable Angina/Non-ST-ElevationMyocardial Infarction: a report of the American College of Cardiology Foundation/American Heart Association Task Force on Practice Guidelines developed in collaboration with the American Academy of Family Physicians, Society for Cardiovascular Angiography and Interventions, and the Society of Thoracic Surgeons. J Am CollCardiol. 2011 May 10;57(19):e215-367.Vandvik PO, Lincoff AM, Gore JM, Gutterman DD, Sonnenberg FA, Alonso-Coello P, et al. Primary and secondary prevention of cardiovascular disease: Antithrombotic Therapy and Prevention of Thrombosis, 9th ed: AmericanCollege of Chest Physicians Evidence-Based Clinical Practice Guidelines. Chest. 2012 Feb;141(2 Suppl):e637S-68S.Pfisterer ME, Zellweger MJ, Gersh BJ. Management of stable coronary artery disease. Lancet. 2010 Feb 27;375(9716):763-72.Review Date:8/28/2012Reviewed By:Michael A. Chen, MD, PhD, Assistant Professor of Medicine, Division of Cardiology, Harborview Medical Center, University of Washington Medical School, Seattle, Washington. Also reviewed by David Zieve, MD, MHA, Medical Director, A.D.A.M. Health Solutions, Ebix, Inc.last_img read more