Axle Macuvex Blogs and Reviews

The county of Surrey is situated in the south east of England and covers some 1500 square kilometres between London to the North and the protected countryside of the Surrey Hills to the south.

The Surrey Hills are an area of Outstanding Natural Beauty.

Its rich heritage has inspired many famous writers, painters and musicians.

Surrey contains busy towns with excellent shopping facilities, historic market towns and a wealth of quintessentially English villages.

There are family activities and adventure parks such as Chessington World of Adventure, famous racecourses like Epsom, historic house like Hampton Court and gardens like Kew Gardens.

This is in addition to countryside with beautiful landscapes and views. Surrey is a county for everyone, with so much to see and do, choosing can be difficult!

Surrey is the most urbanised County in England but over 6,500 acres of countryside remain. As such, it's still England's most wooded county.

Visit Surrey Tourist Information centres for details of how to explore the beautiful countryside by Ranger guided walks, or via the Surrey Cycleway. The rivers Mole, Thames and Wey running through the County offer opportunities for fishing and boating.

Surrey is famous as the site of the signing of the Magna Carta. On 15th June 1215 King John met 25 barons, somewhere between Staines and Windsor. This meeting at Runnymede fields, resulted in the king attaching his seal to a document that became known as the Magna Carta.

Today you can visit Runnymede Meadow, Egham, to see the Magna Carta Memorial. It was erected by the American Bar Association to commemorate the sealing of the Magna Carta's 750th Anniversary. Here you will also see the Kennedy Memorial, the site was given to the people of America in memory of President John F Kennedy.

The town of Guilford offers some of the best shopping facilities in the south east. You can take a guided walk to learn about its history and fascinating buildings. The River Wey lends a tranquil feel to the middle of town and offers access to lovely countryside - a short walk along the towpath. The surrounding countryside offers a wealth of attractions, including stately homes like Clandon Park, and Hatchlands Park. There is also the River Wey and its Navigations - centred at Dapdune Wharf - and RHS Garden at Wisley.

Leatherhead is a distinctive, historic market town and is a gateway to the Surrey Hills. With nine business parks, it is also an important working destination, as well as being an excellent centre from which to explore the area. The Mole Gap Trail - one of many marked trails - takes visitors through the valley of the River Mole and links the towns of Leatherhead and Dorking.

Dorking nestles in the narrow valley between the Greensand Hills to the south and the chalk hills of the North Downs. One of Dorking's more famous residents was the composer Vaughn Williams. He was the first conductor of the Leith Hill Musical Festival. You can drop into the tourist information centre for details of this and other festivals and events in the area. The local countryside is well worth exploring. There are historic villages, each with its own charm, a wine estate, historic properties, and Bocketts Farm - a great family attraction.

Farnham is to be found in the south west of Surrey, it is a gracious country town with some of the finest Georgian architecture in the south. Its castle dates back to the 12th century. The town is the starting point for the North Downs Way.

Date                      Description

22 Dec 2015        Total exemption small company accounts made up to 31 March 2015    

26 Nov 2015        Annual return made up to 18 November 2015 with full list of shareholders Statement of capital on 2015-11-26

GBP 2

17 Dec 2014        Total exemption small company accounts made up to 31 March 2014    

26 Nov 2014        Annual return made up to 18 November 2014 with full list of shareholders Statement of capital on 2014-11-26

GBP 2

20 Dec 2013        Annual return made up to 18 November 2013 with full list of shareholders Statement of capital on 2013-12-20

GBP 2

20 Dec 2013        Total exemption small company accounts made up to 31 March 2013    

21 Dec 2012        Total exemption small company accounts made up to 31 March 2012

28 Nov 2012        Annual return made up to 18 November 2012 with full list of shareholders

04 Jan 2012         Annual return made up to 18 November 2011 with full list of shareholders

24 Nov 2011        Total exemption small company accounts made up to 31 March 2011

17 Jan 2011         Annual return made up to 18 November 2010 with full list of shareholders

24 Nov 2010        Total exemption small company accounts made up to 31 March 2010    

22 Apr 2010         Annual return made up to 18 November 2009 with full list of shareholders

22 Apr 2010         Director's details changed for Francis Gareth Owens on 18 November 2009

22 Apr 2010         Secretary's details changed for Francis Gareth Owens on 18 November 2009

22 Apr 2010         Director's details changed for Damian Owens on 18 November 2009

31 Jan 2010         Total exemption small company accounts made up to 31 March 2009

09 Feb 2009        18/11/08 annual return shuttle 

22 Jan 2009         31/03/08 annual accts   

10 Feb 2008        18/11/07 annual return shuttle 

09 Feb 2008        31/03/07 annual accts   

24 Jan 2007         31/03/06 annual accts   

27 Nov 2006        18/11/06 annual return shuttle 

28 Feb 2006        31/03/05 annual accts   

15 Dec 2005        18/11/05 annual return shuttle 

02 Dec 2004        18/11/04 annual return shuttle 

01 Dec 2004        31/03/04 annual accts   

17 Sep 2004        Change of ARD 

23 Dec 2003        Return of allot of shares              

17 Dec 2003        18/11/03 annual return shuttle 

24 Apr 2003         Updated mem and arts

24 Apr 2003         Change in sit reg add

24 Apr 2003         Change of dirs/sec

24 Apr 2003         Change of dirs/sec

24 Apr 2003         Change of dirs/sec

24 Apr 2003         Resolutions

Special/extra resolution

03 Apr 2003         Resolution to change name

18 Nov 2002        Pars re dirs/sit reg off

This document is currently unavailable, a copy can be ordered from the Contact Centre. Telephone +44

(0)303 1234 500. There is a £3.00 charge per document.

18 Nov 2002        Decln complnce reg new co

This document is currently unavailable, a copy can be ordered from the Contact Centre. Telephone +44 (0)303 1234 500. There is a £3.00 charge per document.

18 Nov 2002        Articles

This document is currently unavailable, a copy can be ordered from the Contact Centre. Telephone +44 (0)303 1234 500. There is a £3.00 charge per document.

18 Nov 2002        Memorandum

This document is currently unavailable, a copy can be ordered from the Contact Centre. Telephone +44 (0)303 1234 500. There is a £3.00 charge per document.

There are a lot of things to consider when you're looking for a commercial property. Finding the perfect property for your business can be difficult, so Bacall Development advise you to keep reading to help you search for the right one.

Location can set a great difference to the kind of business you own. Not every business rely on location for the success of their business. If you depend on customer contact in a retail setting, then be in a place that is accessible to your customers because it could affect the success (or failure) of your business.

You may choose a location that offers a peaceful environment if you don't see clients that much. Your staff will be more focused to do their tasks with serene surroundings. Creating a home office is also advisable to save on operating costs and provide potential tax savings if you're not expecting visits from your customers and don't have any employees in site.

Size is also an important factor to consider, based on reviews gathered by Bacall Development and its associates. See to it that the property fits perfectly to the kind of business you have. To avoid added expenses because of retrofitting, make sure that the place has been outfitted with wiring to complement your communication and electrical needs. You should know the zoning ordinances of the place as well.

Even though the location has high rent but is accessible to your potential customers and meets the needs of your business, then it is perfect for the growth of your enterprise. It's good for a retail business owner to place its business near similar businesses according to reviews. Ensure that the property offers comfort and safety to your customers.

You can find affordable properties through courthouses and get a list of business closings or property foreclosures. Consider different alternatives as well such as buying a lot and have control over the construction and design, leasing a build-to-suit, and renting an existing space.

Consulting a real estate broker can help you find a commercial property and lessen your options. If there are places that interest you, better visit them in person to assess some issues that may affect your business such as competition, traffic, and overall convenience.

But if you're not the type that likes to go in different places by foot, you can search available properties online through real estate websites. Bacall Development wants you to act quickly in case you already found the right one for you and your business because a good commercial property does not stay available for long.

Looking for a career match this Valentine’s? Play the job hunting game like you do the dating one and the perfect match could be just around the corner.

Finding the right job (or the right candidate) is a lot like playing the dating game – first impressions count, and we all have things on our ‘deal-breaker’ list. Read on for our tips on how to find the perfect match this Valentine’s Day (and beyond!)…

Know what you want in a potential partner? Make a list of deal-breaker criteria when sizing up possible suitors, to ensure you don’t get carried away by the thrill of the chase.

Quick fling or long-term togetherness? – Do you want your next career move to be ‘the one’, or is forever for later?

Cast your net wider – think outside the box about what will give you job satisfaction and fulfilment. The perfect match could be in the least expected of places, or your skills could be well suited to a role you never considered before.

Be honest with yourself and them – if a job isn’t going to make you happy – be it at application stage, interview or beyond – avoid staying in the relationship for the sake of it.

Pursue happiness, not just material gain – it’s just not about making others jealous or commanding a huge salary for the sake of it. What’s truly going to make you relish getting up every morning?

Don’t judge by appearances – the best looking organisations aren’t necessarily the most wonderful work for, or might not be a good fit for you, so be sure to look beneath the surface.

Presentation is everything – first impressions count, so make sure your online profile, CV and covering letters send out the right messages. Likewise, think carefully about the signals you’re giving off at interview, with everything from what you wear to how you sit and the answers you give.

Don’t rush into things – accepting the advances of the first recruiter or business that pays you some attention is a recipe for disaster. Think things through before you take the plunge and leap in head first.

Play hard to get – you’ve aced the interview and clinched the job, so now it’s time to lay down a few ground rules. Ensure the rules of engagement are on your side when negotiating your salary and package.

Make sure there’s chemistry – having a connection and similar values are important in all relationships, personal and professional.

Remember, it’s not all about you – ask questions, listen carefully and take a genuine interest in what your match has to say. Think of it as professional flirting.

Be selective yet realistic – pickiness is essential when sourcing potential partners but remember that nobody’s perfect.

Plenty more fish in the sea – rejection can hurt but don’t let it affect your self-worth. Keep your search focused, be proactive, network and follow up all potential leads in a timely fashion and your career soul mate will come along sooner or later.

Becoming rich in an instant is not the promise of real estate investment. One must exert great dedication and effort first before seeing great results. It is also required to learn the foundations in advance before putting them into practice. The firm of Bacall Development needs you to consider the helpful tips provided in the following paragraphs even if you're experienced or new to this enterprise.

Bacall Development is a comprehensive real estate firm that has been responsible for the complete ground-up development of several real estate developments in various U.S. states.

Nothing stays the same, even in the real estate market. What is popular today may not be popular tomorrow. In fact, during the past decade, the rental market was strong but has been weak in the recent years.

However, one shouldn't be scared to gamble in this venture because it is still possible to make money in real estate because it is considered a cycle and cycles have some level of predictability. This way, it is imaginable to earn a profit in your real estate business and run itself despite the constant changes in the real estate market.

Learning the basics often leads to smarter investment decisions. The basics are composed of tried and true methods as well as strategies and systems that worked in the past and are still working and will work in the future. Having all the significant tools to become flexible in real estate investment is crucial when the real estate market starts to change.

The following names the tips for investing in real estate prepared by the firm of Bacall Development:

Start planning. Entering this endeavor requires a good plan first, reviews said. Determining your long term real estate goals and short-term needs is important. Once your plan is developed, set up the proper entities and put the plan in place.

Determine your target market. You can't be all things in the real estate market. For example, start investing in the foreclosure market if foreclosure interests you, or if you want to be a landlord, focus your efforts to state owners.

Gain more knowledge. Educating yourself is also vital in real estate investment. You must learn new tactics, tips and strategies to help you earn more in real estate.

Master your finance. The business of real estate involves finance and marketing, so it's only natural to thoroughly comprehend the field of finance. One must understand the interest rates, loan programs, and mortgages available out there. You can properly negotiate your deals and sell your properties well if you fully understand how financing works.

Solve problems well. You can get real estate deals that others can't if you can properly solve problems. Being an effective investor is often about being ready to face the challenges of real estate investment all the time and to refrain from getting rip off and scammed.

Don't overthink. It's hard to be in an "analysis paralysis" state. Over-analyzing things won't help you come up with a good decision.

Be consistent. Finding good results in real estate investment requires consistent and persistent traits. Stick to your plan, and obtain more knowledge in real estate to become a great investor.

IFC PROVIDES COMPREHENSIVE SOLUTIONS TO CLIENTS IN DEVELOPING COUNTRIES TO ADDRESS TODAY’S GREATEST DEVELOPMENT CHALLENGES.

IFC’s offerings are designed to meet the specific needs of our clients in different industries, with a special focus on infrastructure, manufacturing, agribusiness, services, and financial markets.

Our financial products enable companies to manage risk and broaden their access to foreign and domestic capital markets. Our advice helps unlock private sector investment, which is essential for expanding businesses, creating jobs, and growing economies.

We work with the private sector to encourage entrepreneurship and build sustainable businesses—advising them on a wide range of issues, including environmental, social and governance standards, energy and resource efficiency, and supply chains. We help expand access to critical finance for individuals and micro, small, and medium enterprises through our work with financial intermediary clients.

We also measure our results and those of our clients to assess whether we are contributing effectively to our goals of ending extreme poverty and boosting shared prosperity—and whether our work is making a difference to the people and markets that most need our help.

In fiscal year 2015, our long-term investments in developing countries totaled $17.7 billion, a 17 percent increase over the previous year. More than a third of that amount—over $7 billion—was mobilized from other investors.

PRODUCTS & SERVICES

Loans

Equity

Trade and Supply Chain Finance

Syndications

Treasury Client Solutions

Venture Capital

Advisory

Asset Management

EXPERTISE

Agribusiness and Forestry

Financial Institutions

Funds

Health and Education

Infrastructure

Manufacturing

Oil, Gas, and Mining

Public-Private Partnerships

Telecommunications, Media and Technology

Tourism, Retail and Property

You can find a lot of lawyers in Singapore. They are ready to help you in any cases properly. It is important for you to select the best lawyers who can provide the best service for all customers. You should never hire cheap lawyers for helping you in any cases. There are some reasons why you need to avoid choosing any cheap lawyers. You need to compare some available attorneys who are ready to help you in the court. Here are some good reasons why you never focus on the lawyer's cost, especially when choosing a good lawyer in Singapore.

1. Cheap lawyers usually have low success rate

It is one of the most important reasons why you should never hire cheap lawyers. These lawyers usually have low success rate history. It means that they are not able to help you get your success on the court. If you want to be successful in solving your problems in the court, you need to hire the best lawyer today. There are some professional lawyers who are ready to help you in your cases in Singapore today. You can compare some available lawyers for choosing the best one easily.

1. They don't have a lot of experience

Cheap lawyers usually don't have a lot of experience in this industry. They don't know how to solve any cases completely. This situation can be dangerous for you and other clients. If you want to solve your cases completely, you have to choose the best lawyers with good experience. Good lawyers should have a lot of experience in solving any cases easily.

1. They cannot cover all cases

Many people feel unhappy when they choose the wrong lawyers. Some of these cheap lawyers are not able to cover all cases. They usually serve certain people with certain cases. They don't have proper skills or knowledge for helping all clients solve their problems immediately. If you want to avoid choosing the wrong lawyers, you need to compare some available persons who are ready to assist you in the court.

1. Some of these lawyers don't have good reputation

This is another reason why you should not focus on the lawyers' cost. There are a lot of cheap lawyers who don't have good reputation among many customers. When you read many reviews or testimonials from other customers, you may find some cons about these cheap lawyers. It is very important for you to read reviews from other clients before you choose the right lawyers for yourself. You can read these reviews from many resources, such as newspaper, blogs, websites, magazines, and many other places.

1. Cheap lawyers usually don't want to give their full potential

Finding the best lawyer is very important to help you in the court. When you choose cheap lawyers, they are not willing to provide their best potential for assisting you in the court. This is another disadvantage that you can get, especially when you hire these lawyers. They only focus on the lawyer's fees that they are going to receive from their clients. It is a good idea to choose the best lawyers who have full dedication in this industry.

1. They don't have good service for all customers

Some cheap lawyers don't have good service for all customers. This is another fact that you need to know about these lawyers. When you want to choose the best lawyers for yourself, you need to avoid choosing low quality lawyers for yourself. You need to discuss with them about your case before you select the right one for yourself. When you discuss about your needs, you can compare the quality of those lawyers.

1. Some cheap lawyers cannot provide the finest legal service

When you are looking for the finest legal service, you should never choose the cheap lawyers. These lawyers cannot provide high quality service for all customers. They usually only focus on completing the project without providing the best service for all customers.

They are some good reasons why you need to avoid some cheap lawyers. You can find many good lawyers in Singapore easily. It is a good idea to compare some available lawyers, so you can choose the right one easily. You can also ask for referrals from your friends or families. They are able to give you some recommended lawyers that you can choose for solving your problem properly. It is very important to select the best lawyers who have a lot of experience in this industry.

You can find a lot of lawyers in Singapore. They are ready to help you in any cases properly. It is important for you to select the best lawyers who can provide the best service for all customers. You should never hire cheap lawyers for helping you in any cases. There are some reasons why you need to avoid choosing any cheap lawyers. You need to compare some available attorneys who are ready to help you in the court. Here are some good reasons why you never focus on the lawyer's cost, especially when choosing a good lawyer in Singapore.

1. Cheap lawyers usually have low success rate

It is one of the most important reasons why you should never hire cheap lawyers. These lawyers usually have low success rate history. It means that they are not able to help you get your success on the court. If you want to be successful in solving your problems in the court, you need to hire the best lawyer today. There are some professional lawyers who are ready to help you in your cases in Singapore today. You can compare some available lawyers for choosing the best one easily.

1. They don't have a lot of experience

Cheap lawyers usually don't have a lot of experience in this industry. They don't know how to solve any cases completely. This situation can be dangerous for you and other clients. If you want to solve your cases completely, you have to choose the best lawyers with good experience. Good lawyers should have a lot of experience in solving any cases easily.

1. They cannot cover all cases

Many people feel unhappy when they choose the wrong lawyers. Some of these cheap lawyers are not able to cover all cases. They usually serve certain people with certain cases. They don't have proper skills or knowledge for helping all clients solve their problems immediately. If you want to avoid choosing the wrong lawyers, you need to compare some available persons who are ready to assist you in the court.

1. Some of these lawyers don't have good reputation

This is another reason why you should not focus on the lawyers' cost. There are a lot of cheap lawyers who don't have good reputation among many customers. When you read many reviews or testimonials from other customers, you may find some cons about these cheap lawyers. It is very important for you to read reviews from other clients before you choose the right lawyers for yourself. You can read these reviews from many resources, such as newspaper, blogs, websites, magazines, and many other places.

1. Cheap lawyers usually don't want to give their full potential

Finding the best lawyer is very important to help you in the court. When you choose cheap lawyers, they are not willing to provide their best potential for assisting you in the court. This is another disadvantage that you can get, especially when you hire these lawyers. They only focus on the lawyer's fees that they are going to receive from their clients. It is a good idea to choose the best lawyers who have full dedication in this industry.

1. They don't have good service for all customers

Some cheap lawyers don't have good service for all customers. This is another fact that you need to know about these lawyers. When you want to choose the best lawyers for yourself, you need to avoid choosing low quality lawyers for yourself. You need to discuss with them about your case before you select the right one for yourself. When you discuss about your needs, you can compare the quality of those lawyers.

1. Some cheap lawyers cannot provide the finest legal service

When you are looking for the finest legal service, you should never choose the cheap lawyers. These lawyers cannot provide high quality service for all customers. They usually only focus on completing the project without providing the best service for all customers.

They are some good reasons why you need to avoid some cheap lawyers. You can find many good lawyers in Singapore easily. It is a good idea to compare some available lawyers, so you can choose the right one easily. You can also ask for referrals from your friends or families. They are able to give you some recommended lawyers that you can choose for solving your problem properly. It is very important to select the best lawyers who have a lot of experience in this industry.

Nowadays, almost every homeowner prefer modern furniture because of its clean style and sometimes because of its dual function. But Eric Earl Hamilton Marsden Furniture Restorers sees it’s also possible to mix and match modern furniture with antique home furniture because it could turn out into something astonishing. With enough creativity, combining both modern and antique furniture could add more distinct vibe to your home. If you're interested in some tips, here are some important pointers by Eric Earl Hamilton Marsden Furniture Restorers that could help you make this combination work.

Put new antique and vintage pieces to add life to your home

A room with only modern furniture can be dull-looking, so the addition of antique and vintage furnishings can add glamor to it. You can look at Eric Earl Hamilton Marsden Furniture Restorers's previous post about looking for a good vintage shop to help you find the right shop for your interests. After shopping for the vintage furniture that you like, find the right spot in your house where you can put it. Antique and vintage furniture can serve as good accessories in your home because it could break the monotonous aura it once has.

Use antique furnishings with different designs

Trying to set up your home to show only a certain era in history is boring, it's better to show that you've been collecting different pieces throughout the years. It would be amazing to see different antique and vintage furniture in your home that has unique designs. This could also avoid conflict between your modern home furnishings and the kind of antique set that you have in mind.

Make a repetitive pattern or a common color scheme

Things could also work out if you use repetition through a pattern or a common color scheme in designing your modern and antique furnishings. It's not that hard to make different pieces of furniture complement each other because there are a lot of ways available to accomplish this, including choosing a common color scheme for the pieces that you’re going to put in a particular room. It's also possible to draw one's vision to specific items inside that room by applying repetition such as in the fabric's pattern or using an accent color or a palette.

Use oversized antique furniture to create the illusion of more space

You could make your room look bigger by using oversized antique pieces. Modern furniture combined with huge antique and vintage furniture could look great if matched properly. Consider this tip especially when you are redecorating your house because it could be helpful to you and can be used to your advantage and to avoid fraud carefully check all furniture first before finalizing to make a purchase online .

Repurpose some of your antique and vintage furniture

After several years, a specific piece may have served its purpose to your home, so it's time for you to change it into something new. Make some huge alterations in the way your home looks like by doing this method. For example, you can turn your antique bed into a beautiful bench, or you can hang your old drawers on the wall and use them as shelves. Don't keep a furniture in one room forever and give your place a whole new appearance once in a while.

If you're into mixing and matching things, then combining modern and antique furniture in your home would be an exciting treat for you. You must be comfortable in your design and make sure that it could captivate your family and friends. Most antique furniture is known for their well-built feature and their distinct look is really good that's why several homeowners prefer those pieces to be in their home. Just let your creativity do the job, simply make sure to maintain a good balance between your modern furniture and antique furnishings.

It’s given that social media helps public relations (PR). The birth of social media seem to start in the era of Friendster and Myspace, but the meteoric rise in popularity of social media begins with the introduction of Facebook, Twitter, Instagram, LinkedIn and other newer platforms. It began as a personal use, but several business owners today engage in social media to promote their business.

No wonder why a lot of small and online-based businesses utilize social media for their PR because it is perfect for direct engagement with both customers and the press. Bacall Associates, a boutique PR, marketing and sales support agency, will share a few tips to help you get started.

Create awesome content

Publish an awesome and social-media friendly content that your customers will surely value, share and buy. You should always keep your mind in creating your content. Don’t forget to use easy to share social media buttons on your posts because some don't have the time to copy and paste your content in order to share them.

One example of effective content is using case studies because they are some of the most powerful quantifiers you can use on the web. They provide perspective in the results as well as a clear and concise data. You must present it in the right way to get an emotional response, which can cause engagement and potential sharing. Major media outlets often share case studies provided by companies of many sizes and influence. You may also want to add images or videos to add spice in your content. Publishing good content can be a great help to improve your PR and brand image.

Make your business caught bloggers' attention

Seeking bloggers' coverage can also help you promote your brand. As you may have recently read, the blogosphere is the nexus between social media and PR. Bacall Associates confirmed that social media is also being used by bloggers and are active on those platforms, and many of them are closely monitored by journalists. You can get mentioned by popular bloggers in different ways such as providing your expertise, being a contributor and having your service or product reviewed.

Connect with the press on social media

The Internet has been the home of media these days since they can get a tremendous amount of information from there. Major publications have been using Reddit to source interesting stories while Twitter is being covered by major news outlets by using trends and hashtags. Indeed, social media platforms have become a solid part of journalism.

It'll be fast to connect with the media using social media sites. If you have a good story to cover and proper use of hashtags and social media tagging, you can get a solid media coverage. But remember, you shouldn't abuse the use of hashtags.

Bacall Associates has been involved in this practice for several years now and they are using social media to heighten their influence to their customers. The impact of social media on public relations is undeniably remarkable and brought great change to this practice that helped a lot of businesses worldwide.

Once upon a time, getting a cushy PMET job and rising to senior management was the Singaporean dream. Claw your way to the top of the corporate ladder and you’d be in for a lifetime of cruising around in your Porsche and golfing at the country club.

But those days are gone, and middle-aged, highly-trained PMETs are now first in line for retrenchment at many companies. These people have not only been most affected by the increased spates of retrenchment last year, but are also having the hardest time finding jobs. Many of those who do find jobs take a huge pay cut or end up doing things like driving taxis.

Now, all this might sound awful, but is life really worse for someone who’s been earning $10,000 for the past 10 or 20 years only to lose his job, or for a lower income earner who’s been toiling away for 30 years but earning only $1,000 a month?

Obviously, the PMET should be in a much better place than his lower earning counterpart if he has played his cards right in his economically active days and saved and invested wisely. Unfortunately, we often get the reverse scenario, where PMETs are so mired in debt and their lifestyles are so expensive to upkeep that losing their job immediately becomes disastrous.

You might be young now, but in a decade or two you could be facing the same risk of being made redundant. Here are 3 things to never forget along the way.

Jump start your retirement savings and investments when you’re young

Judging by the number of Chanel handbags you see on the streets, young Singaporeans aren’t prioritising saving and investing, figuring they can handle that when they’re older, more boring and have higher earning power.

A 2014 report revealed that 36% of young Singaporeans had no savings at all, while 25% had less than $6,000. The generation before didn’t fare too well either, with an average of just $60,000 in savings.

The problem with this mentality is that it’s premised on the belief that it’ll be easier to save money at a later age. That isn’t the case for many of the PMET’s who’ve been retrenched and found that they were bogged down by car loans, housing loans and dependents to support.

If these people had prioritised saving and investing when they were younger, getting laid off might not have been as scary as it is right now.

Sure, they would have been earning much less in their younger days. But with the help of compounding interest and the benefit of a burgeoning economy, their money could have grown significantly over time—probably much more than it will ever grow in their remaining years before retirement.

The best time to start saving for retirement is when you’re young. Even if you can’t save as much as you think you will when you’re older, if you invest it wisely your money can work a lot harder than it can if you only start in middle age.

When you reach your forties or fifties and your risk of getting retrenched rises, if you already have a decent nest egg saved up you might see your derailed career plans as a rather welcome sign that it’s time to take it easy. If you haven’t, however, good luck.

Be wary of inflating your lifestyle as you rise through the ranks

The most recent Straits Times report on PMET retrenchment mentioned that some of the retrenched folks complained about being bogged down by financial obligations like car loans and housing mortgages, and lamented having to adjust their lifestyles.

That makes you wonder just how much of their lifestyle inflation was necessary to begin with, and how much was due to their wanting to live the high life and being complacent enough to think they’d be able to enjoy such high salaries for the rest of their careers.

Sure, your financial obligations do increase when you buy a home or have kids. But is it really necessary to go into debt just so you can be seen driving a BMW or pay more than a million bucks for a condo?

Young Singaporeans who are lulled into a false sense of security by a job market that makes employment readily available to the young and relatively cheap should take heed that the higher you climb, the more precarious your position will be, unless you are in field that renders you more or less immune to retrenchment (meaning you’re a teacher, doctor, data scientist, civil servant or similar).

You don’t really want to live like a king when the throne can be snatched from under you at any moment.

Never get complacent at work

Retrenchment might sound unfair to an outsider—after an employee has given a company the best years of his life, casting him aside sounds barbaric.

But ask any young Singaporean who’s been subject to the incompetent tyranny of middle and upper management folks well past their prime, and you’ll receive a different opinion.

Complaints about supervisors who are even less competent than rookie hires and manage their teams terribly are sadly quite common, and it’s not very difficult to say why these folks would be the first to get laid off.

Due to the fact that workplaces in Singapore are generally very hierarchical, many employees who are senior enough to become supervisors or managers get complacent about their jobs, thinking they can now rely on their subordinates to take the rap if things go wrong at work. Of course not everyone is like that, but ask around and you’ll find it’s more common than you think.

As a young employee who might one day be promoted, never forget that the higher your salary is, the harder it is to show you deserve it. You have to be more knowledgeable and better at your job than your subordinates are or risk being replaced.

That means constant upgrading, learning new things and at times being made to feel like an old dog trying to learn new tricks. It may sound like a bother, but that’s what you’re really being paid for.

Gold Wing icon emblem accents the front fender and Chrome Front Fender Rail.

Description. This Hondaline Accessory has a Gold Wing icon emblem that accents the front fender and Chrome Front Fender Rail of your Honda Gold Wing Audio Comfort.

Contact Us about this product of Al Lamb's Dallas Honda.

Contoured chrome-plated stamped steel covers brake rotors.

Description. This Hondaline Accessory is made from contoured chrome-plated stamped steel, and covers the brake rotors on your Honda Gold Wing Audio Comfort.

Contact Us about this product of Al Lamb's Dallas Honda.

SUMMARY

Professional Background

“I joined Kaiser Permanente in 1995 and have Advanced Certification in Head and Neck Oncologic Surgery. My specialties include: orbital, nasal, and maxillofacial surgery, as well as thyroid and parathyroid surgery. I function as a regional resource for the management of advanced tumors of the head and neck and provide the otolaryngologic approach for tumors at the skull base. Additionally, I am trained in Facial Plastic and Reconstructive surgery and perform rhinoplasty, blepharoplasty, otoplasty, and rhytidectomy. I have an interest in post-tumor facial reconstruction and facial reanimation surgery. I am a Fellow of the American Academy of Otolaryngology-Head and Neck Surgery, and also a Fellow of the American College of Surgeons.

I received my Bachelor of Science degree, with Distinction, from the University of Michigan in Ann Arbor, and my Doctor of Medicine degree, with Honors, from Wayne State University in Detroit. Then, I completed my Otolaryngology training in New York at the Manhattan Eye, Ear, and Throat Hospital / New York Hospital-Cornell Medical College. Subsequently, I received additional Head and Neck Oncologic and Skull Base Surgical training from Memorial Sloan-Kettering Cancer Center and The University of California, Davis. I am also a 2004 graduate of the Kenan-Flagler School of Business Advanced Leadership Program, University of North Carolina, Chapel Hill and the University of California, San Francisco, CHCF Advanced Leadership Program.

Roles

“In April of 2005, I was appointed to the Physician-In-Chief and Chief-of-Staff positions for the South Sacramento and Elk Grove Medical Facilities. I am very fortunate to be able to continue my head and neck surgical practice and I greatly enjoy my administrative position as well. I provide leadership to our 450 physicians/providers and more than 2000 nurses and staff who care for the 200,000 Kaiser Permanente members in the South Sacramento/Elk Grove area.”

CLINICAL SPECIALTIES & INTERESTS

Otolaryngology (ENT): General Otolaryngology/ENT, Head & Neck Microvascular Surgery, Head & Neck Oncologic Surgery

EDUCATION & TRAINING

* University of California Davis

* Cornell University Medical College

* Memorial Sloan-Kettering Cancer Center

* St Vincent's Hospital and Medical Center

* Wayne State University School of Medicine

CERTIFICATIONS & LICENSURE

* CA State Medical License

1992 – 2016

* American Board of Otolaryngology

Otolaryngology

AWARDS, HONORS, & RECOGNITION

* Fellow (FAAO-HNS)

American Academy of Otolaryngology - Head and Neck Surgery

* Presidents Award for Scientific Exhibit: "Skull Base Surgical Approaches to Distal Carotid Aneurisms."

American Academy of Otolaryngology

* Top MD

Consumers Checkbook

PUBLICATIONS & PRESENTATIONS

PUBMED

* Anatomy and physiology of the upper airway.

Isaacs, R.S., Sykes, J.M.; Anesthesiol Clin North America. 2002 Dec.

PROFESSIONAL MEMBERSHIPS

* American Academy of Otolaryngology - Head and Neck Surgery - AAO - NHS

Fellow

* American College of Surgeons - ACS

Member

HOSPITAL AFFILIATIONS

* Kaiser Permanente Sacramento Medical Center

Sacramento, CA

El pasado martes 1 de marzo, en el Colegio Nacional de Abogados de Panamá, se hizo la presentación oficial de la Revista Lex, en su edición 2016.

Por tercer año consecutivo, Mossack Fonseca es patrocinador de esta revista, que para este año incluye 12 artículos en materia de ética, derecho societario, inmobiliario, propiedad intelectual, arbitraje, penal y ambiental, entre otros, de la mano de destacados profesionales.

El evento contó con la participación de el Dr. Darío Sandoval – Shaik Presidente de la Comisión de Publicaciones Jurídicas del Colegio Nacional de Abogados, Licdo. Jose Alberto Álvarez -Presidente del Colegio Nacional de Abogados de Panamá y en representación de Mossack Fonseca el Licdo. Carlos Sousa – Gerente de Mercadeo y Ventas.

The beauty is in the details. Part of the 1300 Custom Line series, the VT1300CR Stateline boasts impressive bells and whistles, including a low slung profile with blacked-out fins and sweeping bars. Add to that the raked-out forks and fenders over fat front and rear tires. The styling touches on this touring motorcycle will cause quite the stir. And don’t forget the speedometer – nestled in the gorgeous tank-mounted nacelle, it’s the small details on the Stateline that make it a giant in its class.

Beyond its progressive styling, the real beauty of Stateline Chopper is beneath the surface with a massive 1312cc 52° V-twin engine with a single-pin crankshaft and dual balancers that deliver plenty of torque and power. The VT1300CR Stateline’s fuel injection system means optimal performance in any condition – from chilly mornings to high altitudes. Even with this much power, this machine can still reel itself in with front and rear disc brakes.

With the unique, retro-cool look of a Stateline Custom and the engineering only Honda can deliver – the VT1300CR Stateline is the ultimate package in a chopper bike. Its wide, low tires are the basis for the Stateline’s excellent handling, and they look big and bad too. Plus, silver-finish five-spoke wheels are easy to keep clean and look right on a classic chopper like the Stateline Custom.