Podcasts about APRC

Ce matin, les journalistes et experts de RFI répondaient à vos questions sur le gel de l'aide américaine à l'étranger, un potentiel retour de Yahya Jammeh en Gambie et la réélection de Alexandra Loukachenko en Biélorussie. Liban/Israël : nouvelles violences meurtrières en pleine trêve  Des soldats israéliens ont ouvert le feu sur des civils qui tentaient de regagner leurs villages dans le sud du Liban. Ces deux derniers jours, vingt-deux personnes et deux soldats libanais ont été tués. Comment Israël justifie ces tirs en plein cessez-le-feu ? Pourquoi, malgré ces événements, le gouvernement libanais a-t-il accepté de prolonger l'accord de cessez-le-feu jusqu'au 18 février ?Avec Paul Khalifeh, correspondant de RFI à Beyrouth. États-Unis : quel avenir pour l'aide américaine dans le monde ?  À l'exception d'Israël et de l'Égypte, Donald Trump a gelé le financement des programmes d'aide américains à travers le monde pour une durée de 90 jours, le temps d'un réexamen complet. Comment expliquer cette décision radicale ? Pourquoi Israël et l'Égypte sont-ils épargnés ?Avec Jean-Baptiste Velut, professeur en Politique américaine à la Sorbonne-Nouvelle.  Gambie : vers un retour de Yahya Jammeh ?  Dans un enregistrement audio, l'ancien dictateur gambien a annoncé vouloir revenir en Gambie pour reprendre la tête de son parti, l'Alliance patriotique pour la réorientation et la construction (APRC). Exilé en Guinée équatoriale, Yahya Jammeh a-t-il toujours une influence sur la vie politique gambienne ? Que risque-t-il s'il rentrait ?Avec Vincent Hugeux, journaliste indépendant, essayiste, enseignant à Sciences Po.    Biélorussie : Alexandre Loukachenko s'offre un septième mandat  Au pouvoir depuis 1994, le président biélorusse a été réélu avec 87,6% des voix. Quelle est la légitimité de ce scrutin ? L'élection a-t-elle été supervisée par des observateurs internationaux ? Quelle est la nature des sanctions que l'Union Européenne veut continuer à imposer au régime de Loukachenko ?Avec Ulrich Bounat, analyste géopolitique, spécialiste de l'Europe centrale et orientale, chercheur-associé chez Euro Créative.

FM99 kalbėjo APRC direktorius Vytautas Zubras ir pramonės ir prekybos skyriaus vedėja Irena Kastantinavičienė apie tamprų bendradarbiavimą su regiono verslu, organizuojamą konkursą, kuris vyks gegužės 11-12 d. ir net 350 šiais metais baigusių mokinių bei naują stojimo etapą, kuris prasidės jau šių metų birželio 1 d.

In this episode I will tell you about my struggles in obtaining a permanent residency certificate for Taiwan. It was not straight forward and you'll enjoy to hear about all the setbacks and how I overcame them. Don't miss these and many other stories. I hope you enjoy it and feel free to let me know what you think!

What's up, what's down, what is going on around. I am Paolo Lising, founder of StartupInTaiwan.com. This show is to answer your questions about starting up in Taiwan either for business, school, or just hanging around! So, leave your questions in the comments section below.Our topic for today is the challenges of banking in Taiwan1.    Citibank, one of the biggest banks in the US, is no longer operating in Taiwan. They left not just in Taiwan, but other countries too including Russia, Thailand, and the Philippines. So, for all of you Americans to consider, maybe open a Bank of America account first, before moving here. You're probably wondering – why can't I just keep my Citibank account and transfer my money from abroad – good luck with that!2.    Wiring money from your account abroad to your bank in Taiwan has to be done physically, not online. And if you want it, to go smoothly, do it at a branch of your bank back home. For example, Bank of America in America to Bank of America here in Taiwan.3.    Taiwan banks are not well integrated in international banking system, which mostly stems from Taiwan, preventing a heavy inflow of capital from China, thus affecting even flow of capital from other countries. 4.    When you open a bank account here, you can be denied of it, even when you have all the papers to prove that it is not laundered cash. 5.    There are too many banks in Taiwan. 18 bank branches and 161 ATMs for every 100,000 adults. Too many banks lead to excessive competition and low profits of banks. This could be the reason why many banks do not want to lend money to foreigners.6.    Foreigners who wish to borrow money from banks must have a Taiwanese guarantor, and this guarantor will be responsible for paying in case of default.7.    Those who are holding a Gold Card are exempt from this “guarantor rule.” It has been a cause of rage by many ARC and APRC holders, calling it unfair ruling especially when we, and by we I mean me and my buddies who have this card, have been paying taxes for years as a proof of our stable income and commitment to stay in Taiwan.8.    There could be a ruling coming out soon, exempting foreign startup founders from having a guarantor for borrowing for the purpose of running their business. I don't know the exact detail, but the source is pretty high up there.9.    Only E SUN can be connected to PayPal. So, if you're receiving money through PayPal, make sure you have an E SUN bank account, make sure your name in PayPal is exactly the same as your name in your E SUN bank account or you'll have a problem.Support the show

Jake Morrison from the US has been living in Taiwan for almost 30 years, and been running his tech company here for 19 years.His focus is converting business opportunities into new products, designing user experiences and then bringing them to life. Morrison has delivered hundreds of projects in health care, FinTech, AdTech, telecom, and supply chain, including challenging high-integrity and high-performance apps handling billions of transactions a day.Morrison finished his Bachelor of Science (BS), Aerospace, Aeronautical and Astronautical/Space Engineering from the University of Southern California. He also went to the National Taiwan Normal University for Chinese language studies, he is fluent in business and technical Chinese with HSK 5+ level. He also studied Japanese Language from the National Taiwan University, he is intermediate Japanese JPT3+ level.Despite being in Taiwan for almost 30 years, he hasn't applied for permanent residency. His father served as a professor at the National Taiwan University for 14 years and was not even qualified for retirement benefits after his stint. Support the show

A note from Talking Taiwan host Felicia Lin: Paolo Lising shares his knowledge on starting a business in Taiwan. In February, I did a follow up interview with Paolo Lising, who I've had on as a guest previously along with Ramon Ray in episode 168, which was about solopreneurship. Paolo is the author of Startup Taiwan: Foreigners Business Guide, and the founder of MillionDC.com. Startup Taiwan is the second book written to help foreigners wanting to start a business in Taiwan after How to Start a Business in Taiwan, which was written by Elias Ek in 2013. Elias has also been a guest on Talking Taiwan.   I spoke in depth with Paolo about his early interest in entrepreneurship, what brought him to Taiwan, and how he transitioned from journalism to corporate life and the startup scene. We had an in-depth conversation about what went into his book Startup Taiwan. For those wanting the most up-to-date information they should subscribe to a digital version of Startup Taiwan, which Paolo regularly updates on his website StartupInTaiwan.com. He also has a podcast by the same name Startup Taiwan, that I'd recommend you check out.   Here's a little preview of what we talked about in this podcast episode:   Paolo's background and upbringing Paolo's career as a journalist covering the Philippines energy sector and banking When and how Paolo became an entrepreneur Paolo's first business, which was an antique shop in the Philippines How Paolo decided to go from being a journalist to pursing an MBA How Paolo decided to go Taiwan to purse an MBA degree How the MBA program at NTU (National Taiwan University) is taught in English Paolo worked at ASUS and Rayliant Global Advisors in Taiwan before getting into the startup scene Paolo's current startup in Taiwan, MillionDC.com, which is a learning platform for entrepreneurs from developing countries The special needs of entrepreneurs from developing countries Where the name MillionDC comes from How his bosses at ASUS and Rayliant Global Advisors were supportive of Paolo's interest in starting his own company on his own time outside of his work hours How one of the problems for people in the Philippines is having stable internet connection and access to information What led Paolo to write Startup Taiwan How to Start a Business in Taiwanby Elias Ek How so much has changed since 2013 when How to Start a Business in Taiwanby Elias Ek was published and Paolo felt a need to write a book with up dated information How Taiwan has changed it policies towards accepting foreigners and allowing them to open up businesses The two ways that foreigners can enter Taiwan and start a business: entrepreneur visa and Gold Card visa The requirements for an entrepreneur visa include submitting a plan of what you will to do in Taiwan, and the growth potential of your business Incubators in Taiwan and the support they provide to entrepreneurs The Gold Card visa is for those with expertise in their fields, similar to an APRC (lien Permanent Resident Certificate) The requirements for a Gold Card The process of writing and doing research for Paolo's book, Startup Taiwan There are six steps to starting a business in Taiwan How Paolo's book includes interviews with entrepreneurs and case studies The KPIs (key performance indicator) for grants given by the government of Taiwan The difference and added value of Paolo's book, Startup Taiwan compared to Elias' book, How to Start a Business in Taiwan How the interviews in Paolo's book, Startup Taiwan offer some real life examples of what people go through in the process of trying to start a business in Taiwan How Taiwan is in general very technologically advanced, but its banking system is not Why there aren't many venture capitalists setting up in Taiwan How a chop aka seal aka stamp is still commonly used by Taiwan's banks as form of identification The inspiration behind the book cover art for Startup Taiwan The challenges that Paolo has experienced in doing business in Taiwan Common misperceptions that people have about Taiwan or doing business in Taiwan If any of the case studies from the book Startup Taiwanhave been translated into Chinese How Audrey Tang, Taiwan's digital minister has received a copy of the book and thought the recommendations were helpful informing policies to make Taiwan a startup hub in Asia How Paolo wanted the first version of the print version of Startup Taiwanto look like a coffee table art book with grey paper vs. white or off-white How there are three versions of the book, Startup Taiwan 1)the print book released in 2020, 2) the online version available at StartupInTaiwan.com which is regularly updated 3) the 2022 version which is available on Amazon Kindle and print (updated up to January 31, 2022)   If you go to StartupInTaiwan.com you can get a digital version of the book with real time updates based on current events and news How it is more challenging for foreign entrepreneurs in Taiwan to get access to funding than local Taiwanese entrepreneurs How helpful it is for startups in Taiwan to have at Taiwanese co-founder How Startup Taiwan includes both failed and successful case studies How Taiwan is a welcoming place for foreigners How foreigners need to do research to make sure they are prepared with realistic expectations before coming to Taiwan 9 out of 10 startups in Taiwan fail What opportunities there are for people who want to do business with Taiwan rather than to do business in Taiwan   Related Links: To view all related links for this article, click link below: https://talkingtaiwan.com/paolo-lising-startup-taiwan-author-shares-his-knowledge-on-starting-a-business-in-taiwan-ep-180/

Fershad Irani, from Australia, is a website performance consultant, helping companies achieve their business goals through website optimizations. His core focus is reducing the environmental impact of the web, reducing their carbon footprint.He has a bachelor's degree in Business, Computing, Finance and Internet Business Technologies from the university of Technology Sydney. Fish left his job at one of the biggest tech companies in Taiwan to pursue his own passion. He is currently in Taiwan on an APRC.Follow Fish - https://www.linkedin.com/in/fershad/Check out his website - https://www.fershad.com/The Green Web Foundation: https://www.thegreenwebfoundation.org/Fish book recommendation - Susan Cain's book: https://www.goodreads.com/book/show/8...SHOW LESSSupport the show (https://www.paypal.me/PaoloJoseph)

台灣振興五倍券，你登記好了嗎？這集維尼帶大家一起來看看大家常搞混的 vouchers and coupons! 延伸學習，不容錯過：【生活英文】「影響」到底要用 affect 還是 effect? Affect vs. Effect: Which One to Use? 感謝收聽，喜歡別忘了要到各大平台上給本節目評論喔！

For our tenth episode of Research Aromatica, Experiences Behind the Expertise, we have on Priyanka Chitranshi.We Discuss in our Conversation with Priyanka: Recommendations she would give to others interested in mass spectrometry.The common mistakes that she sees.Sample Preparation for chromatography.Method DevelopmentKey Quote:"The better your sample preparation, the better your data will look"A Bit About Priyanka:Priyanka Chitranshi is an LCMS Applications Scientist at Shimadzu Scientific Instruments. Priyanka has a degree in Pharmacy and a Ph.D. in Bioorganic Chemistry. During her postdoctoral appointment at the National Center for Toxicological Research at the Food and Drug Administration (FDA), she developed an unfortunate addiction towards liquid chromatography mass spectrometry (LCMS). Since she has worked on a variety of molecules using LCMS ranging from brominated vegetable oils in soft drinks, analysis of metabolites of antibacterial and antiretroviral drugs, fluorinated compounds in water, and impurity analysis in pharmaceuticals to name a few. She communicates her work through peer-reviewed publications, application notes, and through presentations at national and international conferences. In her spare time, Priyanka enjoys to listening to audiobooks and podcasts.Link to Priyanka's Webinar:https://www.researcharomatica.org/post/priyankaPlease Enjoy!-Follow Research Aromatica on:Website: https://www.researcharomatica.com/Instagram: https://www.instagram.com/researcharomatica/?hl=enFacebook: https://www.facebook.com/AromaticPlantRCYoutube: https://www.youtube.com/channel/UCd6Rea4SEAsxRIbB8q5CkPA-Made Possible By:This podcast is made possible by APRC, Aromatic Plant Research Center. APRC was created to provide access to uncompromising research, analysis, and testing services for essential oil communities.

WE ARE BACK! Research Aromatica Season 02 is underway, and therefore so is the podcast!To start it all off we interview Robin Van Loon of Camino Verde.Founder and Executive Director of Camino Verde, Robin has lived in the Tambopata province of the Peruvian Amazon since 2004. A long-time student of traditional and indigenous agriculture and medicinal practices, his work has focused on developing community-based reforestation strategies to regenerate important endangered plants of the Amazon. He is a writer, regenerative designer, and consultant in agroforestry, reforestation, and regenerative development.In our conversation with Robin we discuss a variety of topics:The Amazon StereotypeThe backpacking trip that made him fall in love with PeruCamino Verde's three pronged approach to regenerative economicsDifferences between Rosewood Essential OilsAnd so much more!Memorable Quotes:"..and that doesn't just mean im going to plant my farm in a way that is similarly structured to how the forest is structured... I think it can go a step beyond the physicality. We can learn lessons from the landscape. We can learn lessons from the rainforest and one of those lessons for me is how diversity builds resilience - don't put all your eggs in one basket."Podcast Notes:Camino VerdeRosewood CITESHome of Henry David Thoreau Please Enjoy!-If you enjoy the podcast, would you please consider leaving a short review on Apple Podcasts/iTunes? Subscribing would also be very appreciated. It takes less than a minute, and it really will help us grow. We also love reading the reviews!Interested in being on the show? Visit researcharomatica.com/contact and fill out the form.-Follow Research Aromatica on:Website: https://www.researcharomatica.com/Instagram: https://www.instagram.com/researcharomatica/?hl=enFacebook: https://www.facebook.com/AromaticPlantRCYoutube: https://www.youtube.com/channel/UCd6Rea4SEAsxRIbB8q5CkPA-Made Possible By:This podcast is made possible by APRC, Aromatic Plant Research Center. APRC was created to provide access to uncompromising research, analysis, and testing services for essential oil communities.

Kristin the owner of Mental Health News Radio Network interviews Phillip Dacus. Phillip is the founder and CEO of Avoidant Personality Resource Center. Kristen and Phillip discuss Avpd and why it is such a horrible mental health condition.

Melissa Hoffman was featured in our cannabis straight from the source series where she gave us a in-depth look at her unique farm, Sho Farm. We followed up with Melissa to see how her unconventionally grown cannabis did, but we also talked more about her background and the origin of Sho Farm.In our conversation with Melissa we discuss a variety of topics:Small scale cannabis growing and unconventional growing tacticsThe origins of Sho farmFarming philosophyA Brief Description of Sho Farm:We establish food systems that build and restore wildlife habitat. We also offer safe haven to previously-farmed animals to live out their lives as partners within these systems. Currently, 100+rescued khaki campbell ducks forage daily in SHO Farm's permaculture orchard, and live securely in an insulated barn at night. Memorable Quotes:"I want the plant (cannabis) to be itself, in context""The more whole somethings, the better it is, and more superior something is" Podcast Notes:Straight From the Source: Farmer Story: Sho FarmSho FarmTending the Wild- BookKyle Kushman- PersonPlease Enjoy!-If you enjoy the podcast, would you please consider leaving a short review on Apple Podcasts/iTunes? Subscribing would also be very appreciated. It takes less than a minute, and it really will help us grow. We also love reading the reviews!Interested in being on the show? Visit researcharomatica.com/contact and fill out the form.-Follow Research Aromatica on:Website: https://www.researcharomatica.com/Instagram: https://www.instagram.com/researcharomatica/?hl=enFacebook: https://www.facebook.com/AromaticPlantRCYoutube: https://www.youtube.com/channel/UCd6Rea4SEAsxRIbB8q5CkPA-Made Possible By:This podcast is made possible by APRC, Aromatic Plant Research Center. APRC was created to provide access to uncompromising research, analysis, and testing services for essential oil communities.

Denzil has been described as the 'Sherlock Holmes' of plants. Denzil has over 40 years of experience in the plant aromatic field and trips to every corner of the world. His experience is extraordinary, but its his perspective of both the plant and human world is that we dive into in this conversation. In our conversation with Denzil we discuss a variety of topics:How he overcame dyslexia and used it as a strength.His process of how he accepts projects.Why he never completed his phd, even after pursuing it 3 times.His thoughts on reshaping the academic systemMemorable Quotes:"I think Covid has proved one thing beyond doubt, the physical world of university is no longer needed.. its the social world of a university that matters. Meeting people at bars... you should be able to sign up for sing courses.. take one at University of Oregon, another at University of London, all online.""When I was young I always used to ask the professor (of major universities) if I can join you lecture... there is nothing stopping you from going into a lecture at Harvard, and asking, you mind if I sit in the back and listen?"Podcast Notes:https://denzil.com/https://globalfrankincensealliance.com/Please Enjoy!-If you enjoy the podcast, would you please consider leaving a short review on Apple Podcasts/iTunes? Subscribing would also be very appreciated. It takes less than a minute, and it really will help us grow. We also love reading the reviews!Interested in being on the show? Visit researcharomatica.com/contact and fill out the form.-Follow Research Aromatica on:Website: https://www.researcharomatica.com/Instagram: https://www.instagram.com/researcharomatica/?hl=enFacebook: https://www.facebook.com/AromaticPlantRCYoutube: https://www.youtube.com/channel/UCd6Rea4SEAsxRIbB8q5CkPA-Made Possible By:This podcast is made possible by APRC, Aromatic Plant Research Center. APRC was created to provide access to uncompromising research, analysis, and testing services for essential oil communities.

Have you ever wondered what music gets listened to in labs? Why it is always white coats in labs? In our sixth episode of, Ross Henry interviews Alec Anderson of APRC. Alec runs the Cannabis testing and research at APRC. The research and development of the cannabis field is growing rapidly, so much so we talk about progress in months and not years.In our conversation with Alec we discuss a variety of topics:How cannabis went from being a experimental project, at APRC, to being a pillar of the APRC lab.What might be the next industry APRC entersWhat the future of testing might look like, and how new testing technologies might be able to help farmers.Why male plants are bad for cannabis crops, for some.So..so.. much morePodcast Notes:Kratom: Link talking about Kratom.HPLC: What is HPLC?Alec's Webinar talking about Testing: Alec WebinarPlease Enjoy!-If you enjoy the podcast, would you please consider leaving a short review on Apple Podcasts/iTunes? Subscribing would also be very appreciated. It takes less than a minute, and it really will help us grow. We also love reading the reviews!Interested in being on the show? Visit researcharomatica.com/contact and fill out the form.-Follow Research Aromatica on:Website: https://www.researcharomatica.com/Instagram: https://www.instagram.com/researcharomatica/?hl=enFacebook: https://www.facebook.com/AromaticPlantRCYoutube: https://www.youtube.com/channel/UCd6Rea4SEAsxRIbB8q5CkPA-Made Possible By:This podcast is made possible by APRC, Aromatic Plant Research Center. APRC was created to provide access to uncompromising research, analysis, and testing services for essential oil communities.

Taipei Mayor Ko joins opposition to NCC hearings on CTi TV news, which may be influenced by China's United Front. Stimulus vouchers are to be given to APRC holders and diplomats. The Taiwan govt supports businesses over workers in Indonesian worker spat. And lots of headlines. As always, all English articles used in the report are linked to on our website Report.tw. Taiwan Report News Brief is a daily show of news with analysis and context, providing the listener with a better understanding of Taiwan, especially in politics and foreign affairs. This show intends to bring the listener up to speed on the week's events for our weekly analysis show, Current Affairs Taiwan (CAT).

Taipei Mayor Ko joins opposition to NCC hearings on CTi TV news, which may be influenced by China's United Front. Stimulus vouchers are to be given to APRC holders and diplomats. The Taiwan govt supports businesses over workers in Indonesian worker spat. And lots of headlines. As always, all English articles used in the report are linked to on our website Report.tw. Taiwan Report News Brief is a daily show of news with analysis and context, providing the listener with a better understanding of Taiwan, especially in politics and foreign affairs. This show intends to bring the listener up to speed on the week's events for our weekly analysis show, Current Affairs Taiwan (CAT).

For our fifth episode, Ross Henry interviews Wellington Baiden of Portal Forest Estates in Ghana. Wellington Baiden has over 20 years of experience in forestry, ecotourism, environmental conservation, community livelihood support, and natural resource policy analysis, as well as in the wood products sector in Ghana. He is an internationally recognized innovator and consultant in agro-forestry and environmentally sustainable development interventions. He is also a mentor and an environmental educationist.In this Experiences Behind the Expertise we speak with Wellington on a wide range of topics:Carbon creditsBenefits of Multiple Revenue StreamsGhana slave CastlesThe future of Portal Forest EstatesPodcast Notes:Portal Forest Estates - The website for portal forest estatesPoems of Rooney - http://kathleenrooney.com/poetry/Ghana Slave Castles - The Shocking Story of the Ghanaian Cape CoastPlease Enjoy!-If you enjoy the podcast, would you please consider leaving a short review on Apple Podcasts/iTunes? Subscribing would also be very appreciated. It takes less than a minute, and it really will help us grow. We also love reading the reviews!Interested in being on the show? Visit researcharomatica.com/contact and fill out the form.-Follow Research Aromatica on:Website: https://www.researcharomatica.com/Instagram: https://www.instagram.com/researcharomatica/?hl=enFacebook: https://www.facebook.com/AromaticPlantRCYoutube: https://www.youtube.com/channel/UCd6Rea4SEAsxRIbB8q5CkPA-Made Possible By:This podcast is made possible by APRC, Aromatic Plant Research Center. APRC was created to provide access to uncompromising research, analysis, and testing services for essential oil communities.

For our fourth episode, Ross Henry interviews no other than the co-founder of Aromatic Plant Research Center, Aaron Sorensen. Without Aaron and his cofounder Prabodh Satyal there would be no APRC or Research Aromatica. In the podcast we follow the journey that allowed APRC to become and elite testing facility in aromatic plants. They started APRC because they new industry was going to grow, and if they did not do anything to assist, then it might go down a wrong path. Our conversation was wide ranging and incredible all the same. We also talk about:Why Aaron almost left the essential oil industry altogether, but instead made APRC.Why APRC is more than just a testing facility?The challenges and opportunities launching into Cannabis testing.What name Aaron and Prabodh almost called APRCWe talk about what Aaron does to unwind.Please Enjoy!-If you enjoy the podcast, would you please consider leaving a short review on Apple Podcasts/iTunes? Subscribing would also be very appreciated. It takes less than a minute, and it really will help us grow. We also love reading the reviews!Interested in being on the show? Visit researcharomatica.com/contact and fill out the form.-Follow Research Aromatica on:Website: https://www.researcharomatica.com/Instagram: https://www.instagram.com/researcharomatica/?hl=enFacebook: https://www.facebook.com/AromaticPlantRCYoutube: https://www.youtube.com/channel/UCd6Rea4SEAsxRIbB8q5CkPA-Made Possible By:This podcast is made possible by APRC, Aromatic Plant Research Center. APRC was created to provide access to uncompromising research, analysis, and testing services for essential oil communities.

For our third episode, Ross Henry, interviews Nate Farnsworth of Factory 6. Nate is part owner of Factory Six, a white label and custom manufacturing legal cannabis company based out of Utah. His experiences of working with startup cannabis companies on the daily has paved the way for a fascinating podcast conversation about:The rookie mistakes many cannabis startups make. The bad advice being circulated.The one product every Cannabis store needs to have for a chance to succeed.The future of Cannabis retail.The power of boredom.Please Enjoy!-If you enjoy the podcast, would you please consider leaving a short review on Apple Podcasts/iTunes? Subscribing would also be very appreciated. It takes less than a minute, and it really will help us grow. We also love reading the reviews!Interested in being on the show? Visit researcharomatica.com/contact and fill out the form.-Follow Research Aromatica on:Website: https://www.researcharomatica.com/Instagram: https://www.instagram.com/researcharomatica/?hl=enFacebook: https://www.facebook.com/AromaticPlantRCYoutube: https://www.youtube.com/channel/UCd6Rea4SEAsxRIbB8q5CkPAWatch Nate's Webinar: https://event.webinarjam.com/go/replay/41/r4y5qavyuw1angflMade Possible By:This podcast is made possible by APRC, Aromatic Plant Research Center. APRC was created to provide access to uncompromising research, analysis, and testing services for essential oil communities.

For our second episode, Ross Henry, interviews Werner Bester from West Africa. Werner Bester was our second webinar back in July. Werner Bester is in high demand for his creation of custom distillation equipment that is used all over the world, but how did he get there?During this wide ranging conversation where we talk about how his boredom for things, like being a German swimsuit model photographer, shaped and directed him into one of the most sought after people in the aromatic plant world. This conversation lead us down roads talking about the apartheid and getting arrested all the way to building his first distillation unit. Please Enjoy!-If you enjoy the podcast, would you please consider leaving a short review on Apple Podcasts/iTunes? Subscribing would also be very appreciated. It takes less than a minute, and it really will help us grow. We also love reading the reviews!Interested in being on the show? Visit researcharomatica.com/contact and fill out the form.-Follow Research Aromatica on:Website: https://www.researcharomatica.com/Instagram: https://www.instagram.com/researcharomatica/?hl=enFacebook: https://www.facebook.com/AromaticPlantRCYoutube: https://www.youtube.com/channel/UCd6Rea4SEAsxRIbB8q5CkPAWatch Werner's Webinar: https://event.webinarjam.com/go/replay/14/38vzwh4ukazkf5-Made Possible By:This podcast is made possible by APRC, Aromatic Plant Research Center. APRC was created to provide access to uncompromising research, analysis, and testing services for essential oil communities.-Show Notes:Werner's first distillation unit (it is super impressive!) Link hereThe purple rain protests in South Africa of 1989 - This short video, (unaffiliated with APRC), gives a great perspective and some visual examples Purple RainWerner's Webinar back on July 23rd: Werner's Research Aromatica Presentation

We are revamping the podcast a bit. Instead of just doing the audio recordings of the presenters of each of our webinars we are doing a original interview with each of the professionals. The goal of the interview is to talk more about the who and why rather than the what. For our first one, Ross Henry, interviews Dr. Dhanushka (Danny) Hettiarachchi. He lives in Perth, Australia. In our interview we talk about what kind of art forms he participates with, how he unwinds from the day, what he sees as the future of Sandalwood and so much more. -If you enjoy the podcast, would you please consider leaving a short review on Apple Podcasts/iTunes? Subscribing would also be very appreciated. It takes less than a minute, and it really will help us grow. We also love reading the reviews!Interested in being on the show? Visit researcharomatica.com/contact and fill out the form.-Follow Research Aromatica on:Website: https://www.researcharomatica.com/Instagram: https://www.instagram.com/researcharomatica/?hl=enFacebook: https://www.facebook.com/AromaticPlantRCYoutube: https://www.youtube.com/channel/UCd6Rea4SEAsxRIbB8q5CkPASign-up for Danny’s webinar and or watch the replay at: https://event.webinarjam.com/register/39/n67w9a7w-Made Possible By:This podcast is made possible by APRC, Aromatic Plant Research Center. APRC was created to provide access to uncompromising research, analysis, and testing services for essential oil communities.-Show Notes:Illegal sandalwood in Western Australiahttps://www.abc.net.au/news/2012-10-30/illegal-sandalwood-trade-in-wa/4342570https://www.wsj.com/articles/illegal-loggers-tap-australian-prize-1388185053 Books: They Came for Sandalwood, A Study of the Sandalwood Trade in the South-West Pacific 1830-1865 by Dorothy Shineberg.Sandalwood and Carrion, Smell in Indian Religion and Culture by James McHugh Doco on Western Australian Sandalwood and Indigenous useshttp://magofilms.com.au/portfolio/tribal-scent/ . Current right are with the Mago Films, following is a newspaper article on the docohttps://thewest.com.au/entertainment/tv/secrets-of-sandalwood-trade-ng-ya-381139 Classical music , I can go on forever just like sandalwood Indian classical music is based on Raags, raag is a melodic framework or an improvisation of the scale. They are not symphonies but an ascending and descending scale improvised by its creator, usually attributed to a natural melody. For a beginner or for a public appreciation I’d recommend an instrumental recital of flute or sitar , which are quintessentially Indian. https://youtu.be/egHCxISQG9o or https://youtu.be/S8picFTwo8A

As part of APRC's Research Aromatica we are releasing a podcast dedicated to the Experiences behind the Expertise. The specific goal behind the podcast, hosted by Ross Henry, is to delve behind the presentations and learn more about the experiences that built the experts we know for their incredible expertise.We will focus on the following:- Get to know the presenters and how they tick.- Learn the tools and tricks, and the motivations- Hear stories from the field...and so much more.Website:researcharomatica.com

Ryan, Jack and Tony at the top of teh show talking Rally Barbados and previewing Rally Italia. The legend that is Martin Holmes joins Tony to talk Meeke, APRC, ERC and as ever much more!

Hello everybody and welcome to episode 8 of Ask the Estate Agent Podcast. This week’s episode is answering the question, is it possible to compare different mortgage deals? The short answer is ‘Yes’. And the good news is that there is likely to be a mortgage suitable for you amongst the hundreds out there, so lets get straight on with our top tips to assist you with your mortgage search. As I said , there are literally hundreds of different mortgages available to buyers, and comparing them isn’t always easy as it’s not all about the figures – and it is about your life for years to come. With this big decision in mind, make sure you ask all the questions you need and that you fully understand the answers you are given. Get your paperwork in order before you have your meeting with your broker or bank manager and prepare some questions beforehand so you don’t forget them. To help we have put together seven key questions you should be asking: The initial interest rate and when it ends. What the interest rate will be after the initial period. What the monthly payments will be during and after the initial period. Are there penalties for leaving the deal? Can I overpay each month? Is there a fee if I pay my mortgage off early? Are there any fees? Can I pay these upfront or are they added to the loan? As well as these seven key questions you should also consider the following points : Building societies and banks are all in competition to win your mortgage business, and to attract you they offer a variety of their own deals so it really is worth shopping around the whole market. Our advice is to use an independent, qualified mortgage broker who has access to as much of the lending market as possible. Now remember there are so many different scenarios – from the amount you want to borrow, to the value of your home and the period of time you want to borrow money for. So this makes picking out the best mortgage for you and comparing like for like difficult. Add to that whether you want to fix your payments at a set figure for several months, you’ll see how the number of options is vast. If you find you have a poor credit score, this will again change things for you. So your mortgage advisor is the key person who will assist you with comparing these variables and ultimately finding you the perfect mortgage. So when it comes to your actual choice, low interest rates can be negated by an arrangement fee so it’s always critical to factor in the impact of an arrangement fee on the total cost of the mortgage. And it’s not always the cheapest monthly payment that will dictate which mortgage you choose. Lenders use a figure called the Annual Percentage Rate of Charge (APRC) to help you compare mortgages. It includes any additional fees in your mortgage deal such as valuation or redemption costs and is the total cost of credit, shown as an annual percentage. Because all lenders calculate and express this in the same way, you can compare them using this figure. However the one aspect APRC won’t tell you is whether you meet all the eligibility criteria for that particular mortgage. When just looking at the APRC you are assuming you meet the criteria. However buyers can fall slightly short on the amount of deposit available, income or affordability criteria, the type of property, the construction and a whole host of other criteria small print. This again is where your mortgage advisor will come to the rescue and ensure you only look at mortgages that are right for your circumstances and that you meet the eligibility criteria. So that concludes today’s episode giving you our top tips to consider when comparing mortgage deals....

Polish Rabbit Breed This week we are going to discuss the Polish Rabbit breed. This breed is know as the "Little Aristocrat" as this is a regal little rabbit breed. I found a lot of helpful information about the Polish Rabbit Breed on the American Polish Rabbit Club or APRC website, which we have a link to in the show notes. The Polish Rabbit is a dwarf breed of domestic rabbit, most often bred by fanciers and commonly exhibited in rabbit shows. Again, we come across a breed that sounds like it is from someplace other than what it's name implies, and despite its name, The Polish rabbit originated in England, and not Poland. One of these days, I think I am going to have to list off breeds with a name form one place, but actually come from another, because this is getting crazy now. A few updates, this weekend, Saturday was a beautiful 65 degree day in central Virginia, and I worked on updating my rabbitry hutch system. The first hutches I purchased are starting to need repairs, as the bottoms are rusting through from the rabbit urine. My most recent hutch system is free standing cages with a 4x8 roof, but there are only 2 hutches per rack, so I was working on installing a second row below. So far, I have found this to be the best system for me without converting a shed, and I am only looking to have about 8 rabbit holes, with one to two grow out hutches. I am not sure what I will do with the other three hutches I have that are in need of repairs. I think I will clean them up, repair them and sell them in the spring. Now the weekend past the family and I went to see the Terra-Cotta army in Richmond, so I apologize for taking a week off. https://www.vmfa.museum/exhibitions/exhibitions/terracotta-army-legacy-first-emperor-china/ I have been working more hours at my 8-6 job, and finding that I am tired of looking at a computer at nights when I work on the podcast, but I have no plans on pod fading, which is when a podcast is abandoned. I still enjoy learning about rabbits! This coming weekend (The first weekend in February 2018) the family and I are going to Pittsburgh PA to see a performance by Poppy, so if you are in the Pittsburgh area, and would like to meet up for a beer or a coffee, I would love to meet with you. Just shoot me an email! Now the weather forecast for Pittsburgh is snow and cold... Imagine that during February, but during the same time we will be in Pittsburgh, my parents are going on a Caribbean cruise. I think they have the right idea. Now onto our breed this week. As I said I received a lot of information about this breed from the American Polish Rabbit Club, and one article on the site is titled, A Historical Perspective on the Polish Rabbit by Grant Olson. There are a number of possible scenarios put forth as to the origins of the Polish breed of rabbit. The Ruby-eyed Whites were the first variety of Polish. They probably originated in England and Germany but definitely not in Poland. Despite its name, the Polish Rabbit breed has its origin in England and it may have been offspring of an albino Dutch rabbit. In the early 1800s, a few white rabbits of small sized (and probably mixed origins) popped up in England and breeders began calling them “Polish” (we will never know why they decided to call them by this name). It is thought that it was developed by breeding a Dutch and Himalayan rabbit dating back to the 1600s. By the 1900s, they were one of the most popular meat breeds in Europe, especially in Belgium. These rabbits eventually made their way to America around 1912 and were used to source other breeds, such as the Netherland Dwarf. Soon after, the Polish Rabbit was accepted by the American Rabbit Breeders Association (ARBA). They were first mentioned in English rabbit raising literature by 1860. In 1884, seventeen Polish were exhibited in Hull, England. One source noted that the breeder developed them from wild rabbits. Other breeders worked with albinos from small Silvers, albinos from the Dutch breed or possibly albinos from the Himalayan rabbit to develop their strains of Polish. The Polish rabbit was known also as the "hutch rabbit" and was mentioned in one source as being a very common breed in English rabbitries. REW Polish According to an article written by Samuel E. Rice in the 1952 APRC Guidebook, W. E. Dexter of Boston, MA imported the Polish rabbit in 1912. The Ruby-eyed Whites were the only recognized variety by the National Pet Stock Association for many years. Judge John Weltevreden in an article for the magazine "Rabbit World" said the REW Polish rabbit looked like miniature New Zealand Whites. Some Polish breeders imported some of the best stock from England to improve their Polish herds but were greatly disappointed in the animal's type and over all appearance. American breeders were able through selective breeding to develop Ruby-eyed Whites that were not racy or blocky in type. BEW Polish In 1938 the American Rabbit and Cavy Breeders Association recognized the Blue-eyed White variety of Polish. Mr. Samuel E. Rice of Saugus, MA is credited with the development of this variety. In 1920 he had purchased 6 REW does and 3 REW bucks from W. E. Dexter. He used a 2.5 lb REW buck bred to two 8 lb BEW Beveren does. Now we have covered the Beveren on a past podcast episode. I will leave a link to this in the show notes. http://www.hareoftherabbit.com/2017/01/09/beveren-rabbit-episode/ It required 3 generation of crossing half brother to half sisters before he was able to produce pure whites with blue eyes. His first show with the BEWs resulted in a BOB out of 60 Polish. Judge Weltevreden wrote in his article on the Polish rabbit that BEW Polish were shown at the 1919 World Exhibition in Leipzig, Germany. These breeders used the same type of cross to develop their strain of Blue-eyed White Polish. Black and Chocolate Polish Various colored varieties of Polish were beginning to show up in the United States around 1932. Mr. Samuel E. Rice is credited with being the breeder behind the development of the Chocolate and Black varieties. He developed these two colors by initially using a 2.5 lb REW buck, a Havana doe along with a small black Rex buck. In a past podcast episode we covered the Havana Rabbit breed, and I will leave a link to this episode in the show notes as well. We have not covered the rex rabbit yet, and I have a rex rabbit that we call Moo, so maybe it is time to cover this breed. http://www.hareoftherabbit.com/2017/06/13/__trashed/ The Blacks and Chocolates were thought to have had an ARBA working standard around 1947. A number of other Polish breeders were known to have colored Polish: Mrs. Jack Ross and John Mellozzo (~1948) and since 1952, F. A. Arnold, Arnold Wolfe, Floyd Tobias, Austin Gaver, William F. Thompson, Frank Call, Andrew Bain, Charles A. Henry, the Cushing brothers and Alan L. Mitchell. In Alan Mitchell's article for the 1957 APRC Guidebook he mentioned that one breeder had developed Red Polish using a New Zealand Red and Ruby-eyed White Polish cross. Some breeders used Polish/Dutch crosses as well as "solid black sports" from English Spots to produced colored varieties. Mrs. Jack Ross (APRC Secretary) used Ruby-eyed White and Havana crosses to produce her Black and Chocolate Polish as noted in an article written by her for Small Stock Magazine in 1949. Another very prominent breeder of colored Polish was Judge Carlton Gaddis of IN. He acquired his initial stock from Charlie Henry of Saugus, MA around 1954. He developed a Black strain that consistently produced show winners and competed equally with the Ruby-eyed Whites. Blue Polish The Blue variety of Polish proved to be the more contentious of the varieties to get approved. They were first introduced at the 1977 ARBA Convention in Houston, TX. Elois Liebman of CA was the variety sponsor. Her Blue strain originated from a Chocolate buck from J. B. Miller. In an ad in the 1966 APRC guidebook, John Mellozzo of NY is credited with the 1st development of the Blues around 1948. Carlton Gaddis also had Blues showing up in his Blacks around 1954. This variety had been around for a number of years. The issue for the APRC membership at this time was the concern with what was happening with the Netherland Dwarfs and their large number of varieties. Members were seeing a lack of quality in these ND varieties and did not want the Polish breed to lose the quality achieved thus far by a continual addition of new varieties. Also there was confusion about the differences between the two breeds by some judges. Members want to insure that the Polish remained distinctly "Polish" and by adding new varieties might jeopardize keeping these two breeds unique. The APRC membership did not approve the variety on the first vote. However the membership continued to discuss the merits of the Blue variety in the APRC newsletter. Breeders of the variety were exhibiting them at the shows so other members could see the quality of the animals in this new variety. A second vote was requested and the APRC membership approved the Blues as the fifth Polish variety in 1982. Broken Polish The Broken variety of Polish was approved in 1998. Gail Gibbons of Cedar Lake, MN is credited with starting the development of the Broken in 1985. She used a Black Broken Holland Lop with poor ear carriage to introduce the broken pattern into her Polish. She bred him to black and chocolate does. She continued then breeding brokens to solids. Judge Larry Bengston initially viewed her efforts. He said they were further along in development than most first showing animals seen at the Convention. The Brokens first showing was to have occurred at the 1990 ARBA Convention in Tampa, FL. However, because of a miscommunication between the Standards Committee and Gail Gibbons, the first showing did not occur. The Black, Chocolate and Blue Broken varieties were needed for the exhibit. She decided not to continue with the certificate of development. Judge Rene Goedderz, MN bought Gail Gibbons Broken stock. She gave Trevor Sypnieski of Brainard, MN a very nice Black Broken buck. Trevor decided to continue the development of the Broken variety. He bred this buck to Black, Chocolate and Blue varieties in his herd. They were first shown to the ARBA Standards Committee at the 1993 Convention with final approval coming at the 1999 Convention. Trevor started raising Polish as a youth member in 1988. The Lilac variety is now in the process of gaining recognition. Enlow Walker of AK was the initiator of this effort. Now to cover the breed description a little more in depth. Appearance Today, the American Polish rabbit is used as a fancy exhibition breed and pets. They are small rabbits with short ears that touch each other all the way to the tips. They should have a short head with full cheeks and bold eyes. Due to their small size, the Polish rabbit is often confused with the Netherland dwarf, although the Polish is a little larger and the head is not rounded. There are many other differences between the two breeds, such as coat structure, body type and colors. The accepted weights of the American Polish rabbit 6 months or older are 2½ to 3½ pounds. The ideal weight is 2½ pounds. Until the 1950s, most American Polish rabbits were white with either red eyes or blue eyes. The ruby-eyed white is a true albino. The blue-eyed white has the Vienna white gene and is not a true albino. Since the 1950s, colored Polish breeds have been recognized by rabbit clubs. In 1957, the American Rabbit Breeders' Association approved the black and chocolate Polish. In 1982, the blue variety was approved and in 1998 the broken variety was allowed. Polish first made their way to the United States around 1912. Breeders have come a long way since then, in improving the type of the original imported animals. Large, bold, expressive eyes are a distinctive feature of the breed. As we cover in the history, there are 6 different varieties accepted in Polish today: Ruby-eyed White, Blue-eyed White, Black, Blue, Chocolate, and Broken Pattern. Breeders have an excellent opportunity to try his or her breeding skills to come up with the right rabbit to win BEST of BREED. In the UK, the American Polish is unknown. Polish rabbits in Britain are the breed known as Britannia Petite in the USA. Coat Polish rabbits love attention and will happily let you pick them up.The Polish rabbit has short, soft, flyback fur that is easy to maintain in comparison to other breeds, which have longer wool (Angoras, for instance). To keep it maintained, you should groom your rabbit once a week or biweekly . During the spring or when they start to shed, you may want/need to increase your grooming to twice a week in order to keep your house fur-free. Personality and care Due to their small size, Polish rabbits need less space in cage and barn facilities and take up less space in apartments than some of the larger breeds. Cage bottoms should not be slippery, as this can cause hip injuries and splay leg. Your indoor rabbit enclosure should be made of wire, be large enough for your rabbit to comfortably stretch out and have a plastic/metal bottom that’s covered in comfortable bedding (horse bedding works well). The bedding needs to be spot-cleaned every day and completely replaced every week. The American Polish rabbit is generally calm and friendly, especially the bucks. Does can be territorial if not spayed. Children should always be supervised when handling rabbits, to ensure that the rabbit is not inadvertently injured. Rabbits can be easily trained to use a litter box and to accept a harness with leash when out of their cage. Rabbit-proofing a room where a rabbit is roaming freely is critical. Rabbits will chew on carpets, baseboard and especially electrical cords. http://www.hareoftherabbit.com/2017/05/08/house-rabbit-corn-advancement-rabbit-and-otter-news/ Feeding Polish rabbits should be fed about 1/4-1/2 cup of pelleted feed every day depending on the activity level of the rabbit. Treats such as fruit and carrot should be fed sparingly; typically a portion no larger than the tip of the thumb. Fresh young dandelion leaves, parsley and spinach are nutritious choices for treats. Vegetables in the cabbage family and high-sugar foods such as corn should be avoided, as these can cause gastroenteritis. Research what kind of fruits, vegetables and greens are rabbit-friendly – if you’re not sure if a particular food can be eaten, the rule of thumb is simply not to give it to them. Do not feed your rabbit yard clippings as grass can be treated with fertilizer, insecticides, pesticides, and other chemicals that can harm your rabbit. A healthy rabbit should be well fleshed but not flabby. This is tested by running one's hand over the rabbits back. A firm layer of flesh over the ribs and spine together with the ribs and spine should be felt, indicating proper nutrition. A prominent spine indicates under nutrition and is corrected by increasing the feed. Inability to feel the spine indicates over nutrition and likewise, the amount of feed is decreased. Health concerns As with other rabbits, Polish rabbits do not do well in high temperatures, but can withstand low temperatures if they are kept dry and out of drafts. They are prone to hairball obstructions and matted coats if not cared for properly. Other health concerns include ear mites, Pastureland, respiratory disease, dental problems, urinary bladder stones and fractured backs. Be quick to notice any changes in diet or litter box habits and contact a rabbit veterinarian immediately. The average life span of a breeding Polish rabbit is 5 to 6 years. Clubs The APRC boasts members across the USA and Canada. APRC members have the privilege of competing in the annual sweepstakes contest which measures to a degree, the success of members exhibiting at local, state, and national all breed and Polish specialty shows. The APRC publishes a quarterly newsletter - The Little Aristocrat. Publication/submission dates are available for those interested in contributing articles or reports of benefit to the membership. http://veterinaryrecord.bmj.com/content/171/8/192.extract http://www.petplace.com/small-mammals/choosing-a-polish-rabbit/page1.aspx http://www.americanpolishrabbitclub.com/ http://www.americanpolishrabbitclub.com/history.htm http://www.petguide.com/breeds/rabbit/polish-rabbit/ Hares in Slavic traditional mythology. These little critters were usually given also a male “phallic” role in their symbolism. It was the symbol of fertility but also shamanism and ancient drug usage. Some local folk legends say that if a married woman would dream a hare it would mean she would give birth to a son in near future. Rabbit is largely considered being unclean, and speed of a hare is associated with quite a negative sign: if hare runs along the mans house, expect fire. https://www.slavorum.org/animal-symbolism-in-slavic-cultures-wolf-bear-fox-and-hare/ A Slavic Legend of Immortality: Koschei, the Deathless A figure from Slavic folklore, Koschei the Deathless was known for his titular characteristic: his inability to die. If you would live in Russia, you would know of Koshchei the Immortal, the most horrific character from East Slavic fairy tales. His name Koshchei originates from the Slavic word for “bone” and it indicates that Koshchei is bony or skinny in his form. Myths of Koshchei are mostly found in East Slavic lands and scholars there see him as an interpretation of a Slavic god of Death, or a frost sorcerer that has the ability to bring death and frost to anyone that opposes him. What is most interesting about this figure, however, is that his immortality was not foolproof. It was said that when Koschei cast the magical spell to protect and defend himself, he accidentally left room for error. Though there are few records about his physical appearance, in legend Koschei is most often described as ugly, and he enjoyed riding naked upon his enchanted horse through the mountains of Russia. He was also known as a shape-shifter, sometimes seen as either a monster or a human, but he preferred to kidnap his female victims in the form of a whirlwind tornado. In modern approach on the subject some scholars don’t see him just as a villain but as a force of nature, in other words not necessarily that he is evil. Still, in various Russian myths Koshchei is seen as a powerful frost sorcerer, with a cunning mind and not such good intentions. In few different fairy tales he turns people into a walnut, or even turns entire kingdoms into stone, so folk-legends still see him as an evil character. As a old cunning sorcerer in fairy tales he is usually bound to build his activity around young pretty girls where he tries to seduce them and win their love with magic or even brute force. In his failure and rage he even curses these young girls in animal form to become frogs, snakes and other wild life. However in one fairy-tale he plays the role of a good anti-hero and even in turn of events succeeds to win the hearth of a beautiful girl to become his wife. The most important aspect of the mythical Koschei's being, however, was his absolute terror of death. This fear left him open to making mistakes, and his most fatal mistake was the imperfect spell he cast to protect himself from harm. Koschei maintained his life and immortality through the removal of his soul. Taking it from his body, it was said he hid it in a needle, inside an egg, in a duck, in a rabbit, then locked it in an iron or crystal chest, and buried it under a green oak on an island. Koschei the Deathless further safeguarded his soul by ensuring his animal vessels, or seals, could get away. Legend has it that if the chest was ever dug up and opened, the duck would try to flee. If the duck was killed, the rabbit would try to run. Most seen Koshchei as an immortal being and one of the fairy-tales opens up with him saying “My death is far away: the sea on the ocean there is an island on the island of oak stands under an oak chest buried in the chest – a hare, in a hare – a duck in a duck – egg and egg – death my”. It is only once his opponent reached the egg that Koschei's life was truly endangered. The egg contained the needle which held the heart of his power. According to myth, possession of the egg was enough to gain control of the demon. Furthermore, should the egg break, the needle within it would break as well, forcing hundreds of years of age down upon Koschei in a single instant, vanquishing the demon once and for all with the power of age. Many scholars have seen in this “matryoshka” interpretation model of the universe: water (sea, ocean), earth (the island), plants (oak), animals (rabbit), poultry (duck), and oak – “world tree”. In other words, you can only kill Koshchei by destroying the world itself. http://www.ancient-origins.net/myths-legends-europe/slavic-legend-immortality-koschei-deathless-002717?nopaging=1 https://www.slavorum.org/koshchei-the-deathless-legend-of-immortal-slavic-villain/ Word of the week: Luxury   © Copyrighted

What do most of us have......really really desperately wanted it initially..........but now we really really want to get rid of (a clue, it's not your partner!).................the answer is of course our mortgage! We have covered mortgages a few times on here, including the ever popular 'should I clear my mortgage or save for the future' episode. This week we are going to ramp up the pressure on existing mortgage holders, we are going to hold a mirror up to them and their habit, and indeed inertia! In a survey we held earlier this year we asked how many of you believed you were on the best possibly mortgage rate.....interestingly 70% of people were not sure! That points to the fact that people aren't informed as to the best mortgage rates in Ireland at the moment, and whether they are getting the best deal available or not.....we are going to fix that right now! Switching mortgage in Ireland for some reason is no that popular versus many other states, however for some it can be a very financial prudent thing to do! Firstly, thanks for checking out Ireland's #1 Financial Planning Blog & Podcast, we are delighted to have you visit! By all means please do check out our 'why' which will explain why we are creating this blog and podcast every week for our listeners and readers! Also, thanks a mill' to our latest iTunes Reviewer, it means a lot to us, so please do pop over and leave a review if you have a minute!? Can I Switch My Mortgage? There's no point in getting all excited about the benefits of switching mortgage (there can be many!), if it is not available to you....here's what you'll need to prove: You have an existing mortgage! You live there (usually only benefits 'owner-occupiers) You have a clean payment history on that mortgage in recent years You have consistent/permanent income(s) which the bank will deem sufficient to repay the 'switched' mortgage You have the time required to compile documentation & attend solicitor and bank/broker in order to switch to the new loan You will want to be benefiting financially in order to even consider switching, so you'll need to know what the savings (if any) will be Be prepared for some element of hassle, as these things usually always have some twists and turns! You will need to be of an age where the bank is willing to give you the new mortgage up to a reasonable age, some banks will lend to you till you are 65, others to 70. Should I Switch My Mortgage? Another humdinger of a question! We can't answer that question for you, but we can show you how to answer it for yourself. There are lots of comparison websites in this country, and there is no doubt that they help people get better deals. They make their money from people switching. There is also a government funded switching site that is pretty awesome, which we are big fans of here, and that is the Competition & Consumer Protection Commission website (I think they could do with some help on the name of the site in fairness!). It's a fabulous and totally un-biased site which is updated daily.....check it out here. All you need to have to hand in order to do a comparison is the following: How many years left on your mortgage Approx value of your house How much you owe currently on the morgage How much you are paying each month Be careful with number 4. Make sure that the figure you put into the calculator is the amount you are paying toward the mortgage each month. So of us have home insurance or mortgage protection included in the same direct debit. Make a phone call to your lender if needed in order to determine exactly how much the mortgage repayment is on it's own. Whack the figures into the calculator and select whether you want to compare it to best Variable rates, or Fixed rates of the various terms 1 year to 10 year. What is APRC? In the next section you will see APRC referred to when detailing two different rates of interest on a mortgage. This stands for Annual Percentage Rate of Charge (as if we needed another acronym!). It is however the only accurate way to compare two rates as it includes all charges in the rate, including set up charges. It is common to see an interest rate quoted of say 3%, however the APRC is almost a full 1% (3.9%)......moral of the story is that you go with the APRC in comparing loan rates......now that we have that cleared up lets get on with the story for you.... How Much Could I Save By Switching Mortgage? A real-life story! We want to share a real-life story with you. A friend of the show, we'll call him Jimmy, got in touch to tell us that on the back of a recent blog/podcast we did he went on the hunt to reduce his mortgage payment. He shared his story with us, and invited us to share it with other listeners so that they could too benefit from it. Jimmy lived in his house with his wee family. The house was valued at around €290k. He had a mortgage of €170k, and was paying €915 per month. The rate was 3.9%. There were 25 years left on the mortgage. Jimmy and his partner are in their 30's. They shopped around for the best rate mortgage they could find. They managed to find a market leading fixed rate of 3.05%, for a 10 year fixed mortgage. They were keen to fix it for the medium to long term as they wanted that security knowing it would not increase in future, that was important to them. This rate was subject to them switching their current account, which they were happy to do. In addition they were going to get 3% Cash-Back provided the loan was drawn-down before March 2018. They were both working and earning the same salaries as when they originally took out the mortgage, with a clean payment history. They got the ball rolling on the new loan via a broker, informed the original lender of their plans, and then followed the process with the new lender. Essentially the new loan goes directly across to clear the old loan, one cancelling out and replacing the other. They are now paying €90 per month less than they were on the old rate, with the term the same as the original mortgage (they had the option of reducing the term but they wanted to keep it as long as possible for now). They also got €5,000 Cash-Back recently which has helped them hugely! All complete in a little under 3 months! yes they had to pay a solicitor €1,200 for the legal side of things, and there was some time invested in meetings and gathering info, however..... Over the term of the mortgage this switch, including the Cash-Back, stands to benefit them €32,000! Delighted for them! What About The Insurances? When switching do try and keep your existing Mortgage Life Cover, provided it is the most appropriate cover for you (worth taking this opportunity to make sure it is actually!). Your original lender would need to 'release interest' in the policy before the new lender can note it on the new loan ('assign it'). It is always prudent to make sure it is 'assigned' to the new loan so that in the event of a death the benefit goes directly to the lender to clear the loan. Also really important obviously to make sure there are no 'gaps' in cover if you are cancelling or replacing either the Mortgage Life Cover or the Home Insurance.....if something tragic were to happen during that 'gap' you could be left in dire straits! Are There Another Other Options? Your existing lender might well be able to do you a better deal than you currently have! You may not need to switch lender in order to get a better mortgage deal, saving you the time, hassle and expense which comes from moving to the new lender (documentation, solicitor fees etc). So if you have decided to switch it is always worthwhile contacting your current lender and telling them your gone unless they can do something similar for you! So there you have it.......the 'can I', 'should I', 'how do I', 'what will I save' of the mortgage switch conversation.....do be a legend and share this with your peers and anyone who you reckong would benefit from knowing about this. Thanks for reading, you're a legend! Paddy Delaney QFA | RPA | APA | Qualified Coach  

This episode was quickly patched together while in the middle of Super Typhoon Soudelor (8/8/2015). I wanted to get this episode out before the heavy part of the storm hit the island and as a result a lot of tongue twisting occurred.  In this episode I present a very brief overview of getting a Taiwan work permit and an Alien Permanent Resident Certificate (APRC). I would also like to make a correction. I referred to the Taiwan National Immigration Agency (NIA) as the National Immigration Association more than a few times in this episode, which isn’t the correct title of the NIA.  THANK YOU FOR LISTENING TO THIS EPISODE! Thank you very much for taking the time to share this podcast. Click HERE if you would like to load our Four Seas One Family Website RSS Feed. Please help us make this show better by filling in this Expat Life Expat Life Survey. It will help us produce a better show for you and thanks! If you have any feedback, please leave a note in the comments section below or leave a voice message via our SpeakPipe voice message page. We would love to hear from you! If you enjoyed this please share it with your friends, family and co-workers by using the social media buttons you see at the bottom of the post. Please subscribe to the show on Apple Podcasts to get automatic episode updates of our podcasts. And, finally, please take a minute to leave us an honest review and rating on Apple Podcasts. They really help us out when it comes to the ranking of the show and I make it a point to read every single one of the reviews we get. Please help us spread the word and leave a review in Apple Podcasts by clicking here! Thank you for listening to Four Seas One Family. We are all the same and at the same time uniquely different!

This episode was quickly patched together while in the middle of Super Typhoon Soudelor (8/8/2015). I wanted to get this episode out before the heavy part of the storm hit the island and as a result a lot of tongue twisting occurred.  In this episode I present a very brief overview of getting a Taiwan work permit and an Alien Permanent Resident Certificate (APRC). I would also like to make a correction. I referred to the Taiwan National Immigration Agency (NIA) as the National Immigration Association more than a few times in this episode, which isn't the correct title of the NIA.  THANK YOU FOR LISTENING TO THIS EPISODE! Thank you very much for taking the time to share this podcast. Click HERE if you would like to load our Four Seas One Family Website RSS Feed. Please help us make this show better by filling in this Expat Life Expat Life Survey. It will help us produce a better show for you and thanks! If you have any feedback, please leave a note in the comments section below or leave a voice message via our SpeakPipe voice message page. We would love to hear from you! If you enjoyed this please share it with your friends, family and co-workers by using the social media buttons you see at the bottom of the post. Please subscribe to the show on Apple Podcasts to get automatic episode updates of our podcasts. And, finally, please take a minute to leave us an honest review and rating on Apple Podcasts. They really help us out when it comes to the ranking of the show and I make it a point to read every single one of the reviews we get. Please help us spread the word and leave a review in Apple Podcasts by clicking here! Thank you for listening to Four Seas One Family. We are all the same and at the same time uniquely different!

This season may be Katsu Taguchi’s best opportunity to win a second APRC title. And the Japanese driver completed a classy win at his home event, steering clear of trouble with a measured, mature drive. His teammate Gaurav Gill set the pace throughout the event, but some bad luck and enormous pressure from Taguchi saw […]

Cody Crocker created history in Makassar, becoming the first driver in APRC history to win four championships. Katsu Taguchi has fought hard all year to stem the tide, but the Motor Image Subaru Impreza is now just too fast for the Taguchi’s older Mitsubishi Evo 9. Emma Gilmore battled hard to claim the final podium […]

It was tight during the opening leg, but an afternoon puncture cost Katsu Taguchi any chance of victory at his home rally, and handed Cody Crocker what may yet be a critical win in the 2009 APRC. In our coverage of Rally Hokkaido 2009, we talk to Crocker and Taguchi, Gaurav Gill and Emma Gilmore, […]

It was one of the strangest rallies in the APRC’s history. We catch up with all the highlight, lowlights, and torrential rain of Rally New Caledonia, as another great season kicks off in the APRC.

It might have been a ‘dead rubber’, but China Rally was a classic. Cody Crocker arrived with the 2008 APRC title in the bag, but that didn’t mean he wasn’t going to fight for his third Chinese victory in a row. But Hiroshi Yanagisawa, who has turned his season around since Rally Whangarei, wasn’t going […]

He’s was unstoppable! At Rally Malaysia Cody Crocker claimed his third Asia-Pacific Rally Championship in as many years. Joining Kenneth Ericsson, Karamjit Singh and Possum Bourne as the only drivers to claim three APRC titles, Crocker defied torrential rain, slippery roads, and a determined Katsu Taguchi to seal victory. In this podcast we go through […]

Play Show, or Right-Click to DownloadCody Crocker only needed to cross the start line to claim a second APRC title. But he went further, and while his rivals fell away during the opening day, Crocker powered on, not only taking APRC win, but the overall rally victory ahead of higher-profile European drivers. Unfortunately for the MRF team, China provided no joy. Katsu Taguchi crashed out during the first morning, while Jussi Valimaki and Gaurav Gill were forced to stop thanks to contaminated fuel.However China proved to be a treat for Brian Green, the only APRC driver, apart from Crocker, not to fall foul to the Chinese roads. He not only took second place on the podium, but also fourth for the series.

Play Show, or Right-Click to DownloadAt last! Someone else wins! Jussi Valimaki dominated Rally Indonesia from start to finish, while Katsu Taguchi banked solid times all weekend to take 2nd. The MRF Lancers turned around the disaster of Malaysia, for their best finish since the opening round in New Caledonia.A simple mistake by Cody Crocker midway through leg 1 wrecked his event, 5th his worst result of the last two seasons. But even 5th scored him enough points to claim back-to-back APRC titles. Thanks to www.jussivalimaki.com for some of the audio interviews featured in this podcast.

Play Show, or Right-Click to DownloadCody Crockers dream season keeps rolling on, Malaysia his fourth straight victory. Now with a 28 point lead, the rest of the year looks like to will be a fight for second between the MRF team-mates Katsu Taguchi and Jussi Valimaki.And Malaysia was also a good event for the Reece Jones Motorsport entries, Naren Kumar and Brian Green claiming the other APRC podium positions. And we also have a chat with three-time APRC champ Karamjit Singh about his come-back to the Malaysian national series, and a possible return to the APRC next year.And if you have a look at the MotorImage web site, you'll find a short video of the event.