CAM-SIT

Work permit in Cambodia

2018-03-01T10:52:00.000+07:00

Do expat need to apply for a work permit?

Yes you DID. Now you would be able to apply for a work permits by online, Please click on this link for More info here.

It’s important to note that work permits and visas are not the same thing. In theory, although you may have gotten a year-long visa (often called a business visa), that doesn’t necessarily give you the right to work in Cambodia. In practice, Cambodia is one of the least regulated countries in the world when it comes to visas and employment, and many expats do not have the work permits that they ostensibly require.

There are two types of work permits in Cambodia: temporary and permanent. Temporary work permits are for most regular expats and last the length of the individual’s visa. Permanent work permits are reserved for major investors and friends of people in high places.

In order to get a work permit, your employer needs to apply for you through the Ministry of Interior. Essentially, this is entirely up to your employer, but if they do want you to have a work permit, you will have to provide the following:

* 3 sets of Application Form as issued by the Ministry of Interior

* Passport with valid
* 3 photographs (4×6), taken from the front without hat or
* Certificate of Health from a physician in
* Written work
* Insurance policy issued by employer or any insurance company

You will also have to pay a fee. Although the actual amount of the fee is not stated in Prakas 555, the document concerning Cambodia’s “Management of Foreigners’ Work Permits,” it’s generally known to be $100.

At the current time, work permits are essentially a non-issue. You do not, in practice, need a work permit to get hired at a company in Cambodia. Most expats do not have them and the government rarely asks about it. There have been more crackdowns recently–they usually last a few days and a few people are told they need to procure permits–but then everything goes back to business as usual.

Most English schools, for example, have a small percentage of teachers with work permits that can be shown to the police when they come by to ask. The schools don’t bother to obtain permits for the rest of the staff. Although this is the case at the time of writing, it is likely that at some point in the future laws about work permits for expats will be more vigorously enforced.

For those who are required to get one, a work permit usually costs $100 per year. However, be aware that in recent crackdowns foreigners have been required to pay $100 per year backdated for the entire time they’ve spent in Cambodia, not just the current year.

How to applying and what do you need for a Cambodian visa???

2018-03-01T10:49:00.002+07:00

What you need to apply for a visa to Cambodia:

* A passport that is valid for at least six months and has at least one blank

* A passport-size photo. If you don’t have this, you can pay a $2 fee and they will scan the photo from your passport.

Where to apply for a Cambodian visa:

At the airport. If you’re from most countries, you can get a visa on arrival at the Phnom Penh, Siem Reap, and Sihanoukville airports. You do not need to do anything in advance -- you’ll be given the paperwork on the plane and you just need to get in line on arrival with your passport photos, cash (in US dollars), and passport. There is an ATM at the airport in arrivals that dispenses US dollars if you don’t have any on hand. If you want to skip the visa line, there’s usually an official on hand who will speed you through immigration and customs for a “donation” of between $5 and $20.

At a Cambodian embassy. If you prefer to get your visa in advance — or if you are from Afghanistan, Algeria, Bangladesh, Iran, Iraq, Nigeria, Pakistan, Saudi Arabia, Sri Lanka, or Sudan — you can visit your nearest Cambodian embassy.

At a land border crossing. You can also apply for a visa at the following Cambodian land border crossings:

Cambodia-Vietnam border

1. Bavet international checkpoint: Moc Bai, Vietnam – Svay Rieng, Cambodia

2. Kha Orm Sam Nor international checkpoint (“Chau Doc crossing”): Ving Xuong, Vietnam – Kandal, Cambodia

3. Phnom Den international checkpoint: Tinh Bien, Vietnam – Takeo, Cambodia

4. Trapeang Phlong international checkpoint: Xa Mat, Vietnam – Kampong Cham, Cambodia

5. Ha Tien international checkpoint: Xa Xia, Vietnam – Prek Chak, Cambodia

6. O’Yadaw international checkpoint: Le Tanh, Vietnam- Ratanakiri, Cambodia

7. Trapeang Srer international checkpoint: Binh Phuoc, Vietnam – Kratie, Cambodia

8. Banteay Chakre international checkpoint: Binh Phu, Vietnam – Prey Veng, Cambodia

Cambodia-Thailand border

1. Cham Yeam international checkpoint: Hat Lek, Thailand – Koh Kong, Cambodia

2. Poipet international checkpoint: Aranyaprathet, Thailand – Banteay Meanchey, Cambodia

3. O’Smach international checkpoint: Chong Jom, Thailand – Oddar Meanchey, Cambodia

4. Chong Sa Ngam/Choam international checkpoint: Si Sa Ket, Thailand – Oddar Meanchey, Cambodia

5. Prom international checkpoint: Ban Pakard, Chantaburi, Thailand – Pailin, Cambodia

6. Ban Laem/Daung international checkpoint: Chantaburi, Thailand – Battambang, Cambodia

If you get your visa at a land border crossing in Cambodia, you can expect to pay between $1 and $20 in “fees.” If your bus company offers a visa service for an extra few bucks, it’s often better to pony up as it can save quite a bit of time

Another option you can apply e-visa, which can be obtained online. It is only available to citizens of the countries for which visas on arrival are available (that is, everyone except those from the restricted countries listed above). It is only offered for the tourist (T class) visa and costs an extra $7 on top of the regular visa fees, and it is only available to those entering Cambodia at the Siem Reap and Phnom Penh airports and the Bavet, Poipet, and Cham Yeam land border crossings. You can get your Cambodian e-visa online. More recently the government has added an additional $3 credit card processing fee, bringing the total price of the e-visa up to $40.

Extending your Cambodian visa

If you have a 30-day tourist visa, you can extend it once for an additional 30 days for a fee of $45. If you have an ordinary visa (E class) you can extend it for 1, 3, 6, or 12 months for between $45 and $300 depending on the length of the extension.

Currently, Cambodian visas cannot be renewed online.

Technically there’s an official way to extend your visa by going to this address:

Department of Immigration

322 Russian Federation Boulevard, opposite Phnom Penh International Airport

Phnom Penh, Cambodia.

Everyone who’s tried it this way recommends against it, though. The process can take ages, may require multiple bribes, and is just generally a pain.

The easy way to extend your Cambodian visa is to use any of the hundreds of local travel agents in town. They’ll take care of the paperwork for you; the process takes two business days.

You’ll need:

· A passport that is valid for at least another six months

· A blank page in your passport

· One passport-sized photo

· Renewal fee in US dollars

A 12-month multiple-entry visa costs $275 to $300, depending on the fee added by the agent. The agent’s fee is usually somewhat negotiable.

Overstaying your Cambodian visa

It’s not advisable, but you can overstay your Cambodian visa at a cost of $10 per day, payable at Immigration on your way out of the country.

If you plan to only stay a day or two over 30, this is often cheaper than getting a visa extension. However, be warned that you’ll need exact change in US dollars. If you present immigration officers with a $20 bill for a $10 overstay, it’s likely that you won’t be given change.

It is possible to overstay for up to 30 days. After 30 days, overstayers are still liable for the $10 daily fee, but, depending on the length of the overstay, risk imprisonment, deportation, and future bans on entering the country.

TYPES OF CAMBODIA VISA

2018-03-01T10:47:00.002+07:00

Cambodian tourist visa: The tourist visa (T class) is best for those who know they will be staying 30 days or less.

The 30-day tourist visa is available to travelers in advance or on arrival (for most nationalities) for a cost of $30. The tourist visa is single entry only, and can be renewed once for an additional 30 days for a fee of $45. After that, tourist visa holders must leave Cambodia and come back to obtain a new visa. If you are planning on staying in Cambodia, don’t bother with a tourist visa and start with a renewable ordinary visa instead.

There is a minimum stay of 24 hours if the Cambodian visa is issued at the Siem Reap airport; otherwise there is no minimum stay.

Cambodian “ordinary” visas (E class).
For anyone who is considering staying in Cambodia for an extended period of time, an E-class visa is the best option. Previously, there used to be only one E-class visa, known as the “business” or “ordinary” visa. In 2017 a new set of E-class visa types became available. (These are in no way related to the electronic visa, also confusingly known as the e-visa).

Anyone can get any of the four E-class visas. At the time of writing, there is no documentation required to apply for these visas. However, visa holders must be able to provide appropriate paperwork if questioned by the immigration police at a later date.

To get one of the following E-class visas, you will need to apply for a 30-day E-class visa (not an online e-visa) when you arrive. This is also valid for 30 days and costs $35. The difference between the ordinary visa and the tourist visa is that the ordinary one can be extended indefinitely. After 30 days, when you go to extend your visa, you can choose an EB, EG, ER, or ES visa.

* The FOUR E-Class Visas
1- EB visa:

The EB business visa covers most Cambodia expats, including those who are working and their partners and children, freelancers, and those who do not fit in any other category. Be aware that the EB visa does not confer the right to work in Cambodia. In order to be legally employed, you will need a Cambodian work permit, but you do not need a work permit to get the visa. Once you have the EB visa, at any point in the future the immigration police may ask to see your business license, work contract, and work permit, or a letter confirming the purpose of your stay. This renewable visa can last for 1, 3, 6, or 12 months, although only the 6- and 12-month visas allow multiple entries.

2- EG visa:
The EG visa is intended for those searching for employment, and can last 1, 3, or 6 months. At the time of writing, the employment requirements are not strictly enforced for the EB visa, so the EG visa is redundant, but if in the future the requirements for the Cambodia EB visa become more strict, the EG visa will be useful for new expats looking for a job.

3- ER visa:
The new retirement visa is the most confusing and least documented of the E-class section. The requirements for the ER visa have not been clearly defined at time of writing, but it is meant for those of retirement age who can show documentation of retirement in their home country (such as a pension or Social Security) and prove that they have the funds to support themselves, although these requirements are currently sporadically enforced, if at all. It allows the work permit requirement to be waived, but in every other respect, it functions as an EB visa. The ER retirement visa can be issued for 1, 3, 6, or 12 months.

4- ES visa:
The ES visa is a student visa. Anyone can apply for the ES visa. If asked by the immigration police, ES visa holders need to be able to show school transcripts or a record of school payments. The ES student visa can be issued for 1, 3, 6, or 12 months.

Once you have your first 30-day E-class visa for Cambodia, you can extend it from inside the country for 1, 3, 6, or 12 months. It’s advisable to extend it for 6 or 12 months, as these visa types are multiple-entry. The 1- and 3-month visas are single-entry only, meaning that if you leave for a weekend trip to Vietnam, you’ll need to get a new Cambodian visa when you return.

It’s important to note that if you are planning on getting a visa on arrival, some airlines will not allow you to enter the country on a one-way ticket. If you are planning on getting a one-way ticket, give yourself extra time at the airport so that if your airline requires you to get a return flight you have time to either search for a cheap flight or bus ticket from Phnom Penh to Ho Chi Minh City or Siem Reap to Bangkok, or get a fully refundable flight that you can then cancel once you arrive in Cambodia.

Other visa-K-class visa:

The K-class visa is for those of Cambodian descent who hold a foreign passport. It is a free lifetime visa, although you will almost certainly be asked to pay an unofficial “facilitation fee” to get it. Bring any documents that show that you have one Khmer parent, such as a birth certificate, marriage certificate, family book, or Cambodian ID card. A Khmer last name and ability to speak Khmer may be enough — along with a $20 bill, of course.

Cambodian visas for children:
Since late 2016, all non-Cambodian children have been required to have an E-class visa to enter the Kingdom. The prices are the same as for adults. If the child has at least one Cambodian parent, they can apply for a free K-class visa.

B-class visa:
The B-class visa, known as the “NGO visa,” is a free visa for employees of certain NGOs registered with the government. To get this visa, you will need to enter the country on an E-class visa and transfer to the B-class visa. Ask your employer if you are eligible, because not all NGOs qualify.

If you are caught using a visa for a purpose not allowed under that particular visa type, you will be fined $100 and required to leave the country within 7 days (so don’t get a retirement visa if you are working).

Tax on Salary-Cambodia

2018-03-01T10:35:00.000+07:00

The tax on salary is a monthly tax imposed on salary that has been received within the framework of fulfilling employment activities. A physical person resident in the Kingdom of Cambodia is liable to the tax on salary for Cambodian source salary and foreign source salary. A non-resident physical person is liable to the tax on salary for Cambodian source salary. The enterprise which is the employer of an employee has the obligation to withhold tax before salary payment and pay this tax to the tax administration by the 20th of the month following the month in which the salary is paid.

For a resident employee the tax on salary due is determined on the monthly taxable salary and is withheld according to the progressive tax rate as below:

Monthly salary (Riels)	Rate
0 - 1,200,000	0%
1,200,001 - 2,000,000	5%
2,000,001 - 8,500,000	10%
8,500,001 - 12,500,000	15%
12,500,001 - upwards	20%

For fringe benefits, every month, the employer shall withhold and pay tax at the rate of 20% of the total value of fringe benefits given to all employees. The value of fringe benefits is the fair market value inclusive of all taxes.

Phnom Penh Post Code

2018-01-23T11:51:00.002+07:00

Are you looking for Cambodia Postal Code?

Of course Cambodia is also using Postal Code, you can find out Phnom Penh Postal Code in a following.

Khan Russei Keo	12100	Khan Chamkarmorn	12300
Russei Keo	12104	Tonle Basak	12301
Toul Sang Kè	12105	Boengkengkang 1	12302
Kilometre 6	12106	Boengkengkang 2	12303
Chrang Chamres 1	12107	Boengkengkang 3	12304
Chrang Chamres 2	12108	Boeng Trabek	12305
Svay Pak	12109	Tumnup Tuk	12306
		Phsar Doeum Thkov	12307
Khan Toulkok	12150	Toul Svay Prey 1	12308
Boengkâk 1	12151	Toul Svay Prey 2	12309
Boengkâk 2	12152	Toul Tum Poung 1	12310
Phsardépo 1	12153	Toul Tum Poung 2	12311
Phsardépo 2	12154	Olympic	12312
Phsardépo 3	12155
Tuk Laak 1	12156	Khan Meanchey	12350
Tuk Laak 2	12157	Boeng Tumpun	12351
Tuk Laak 3	12158	Stung Meanchey	12352
Phsar Ddoeumkor	12159	Chak Angré Krom	12353
Boengsalang	12160	Chak Angré Leu	12354

Khan Daun Penh	12200	Khan Dang Kor	12400
Sraas Chak	12201	Dang Kor	12401
Wat Phnom	12202	Trapeang Krasaing	12402
Phsar Chas	12203	Kokroka	12403
Phsar Kandal 1	12204	Phleung Chhésrotés	12404
Phsar Kandal 2	12205	Chom Chao	12405
Chey Chumneas	12206	Kakap	12406
Chak Tomuk	12207	Porng Teuk	12407
Phsar Thmei 1	12208	Prey Veng	12408
Phsar Thmei 2	12209	Samrong	12409
Phsar Thmei 3	12210	Prey Sar	12410
Boeng Raing	12211	Kraing Thnoung	12411
		Kraing Pongro	12412
Khan 7 Makara	12250	Prataslang	12413
Monorom	12251	Sac Sampeou	12414
Mittapheap	12252	Cheung Ek	12415
Veal Vong	12253
Orussei 1	12254	Khan Chba Ampoeu
Orussei 2	12255	Chbar Ampeou 1	12355
Orussei 3	12256	Chbar Ampeou 2	12356
Orussei 4	12257	Niroth	12357
Boeng Prolit	12258	Prek Pra	12358
		Prek Eng
Khan Por Senchey		Preak Thmey
Chom Chao	12405	Kbal Koh
Kakap	12406	Veal Sbov
Kraing Thnoung	12411
Kokroka	12403	Khan Chroy Chang Va
Trapeang Krasaing	12402	Chroy Chang Va	12110
Phleung Chheh Roteh		Prek Tasek	12111
Samraong Kraom		Prek Leap	12112
Boeng Thum
Kamboul		Khan Prek Phnov
Kantaok		Prek Phnov
Ovlaok		Ponh Nheapon
Snaor		Samrong	12409
		Koh Roka
Khan Sen Sok		Pon Sang
Phnom Penh Thmei	12101
Teuk Thlar	12102
Khmounh	12103
Kraing Thnoung	12411

Simple Ways to Boost Performance of Your Financial Institution

2017-09-18T10:18:00.000+07:00

Regardless of economic conditions or competitive position, every organization should always be seeking ways to improve. Given the intense competitive pressures they face, this is especially true for financial institutions. Following is a high-level overview of eight key areas where financial institutions can often make real and significant improvements to their operations.

1. Technology – leveraging your investment

The plain fact is that most financial institutions are not getting the ROI they should from their technology spend. Ask yourself these questions:

Do you suspect that the organization is not using the full functionality and capacity of your existing systems?
Are you struggling to get key systems integrated with each other?
Have you postponed implementing key functionalities due to lack of time and resources?
Do you continue to use manual processes that were originally meant as temporary stop-gap measures?
Are you running outdated versions?
Has it been more than a couple of years since you last explored outsourcing?

If you answered YES to even one of the above questions, there is likely opportunity to improve system functionality and deliver greater ROI. The fact is that most financial institutions are only utilizing between 25 and 30 percent of the capabilities of their current technology for a variety of reasons. Many organizations suffer from phase 2 syndrome, in which systems with impressive potential capabilities are installed but the training and follow through necessary to fully exploit those tools isn't completed. And, it is difficult to keep up with the accelerating evolution of technology. Server consolidation, cloud computing, mobile technology – all of these can offer real advantages to financial institutions when strategically evaluated and implemented.

Here are some ways to get started evaluating your current technology optimization quotient:

Compile a list of all of your key technology systems – both those managed in-house and those outsourced to a data center or purchased as a service
Determine the main purpose of each listed system and determine if there is any overlap among the capabilities of the systems
Survey system users to see if there is data that they have to re-enter into multiple systems

2. Less is more - improving your expense management

Financial institutions sometimes focus efforts to save money in the wrong areas and end up cutting activities important to the organization's mission or value proposition. This can happen for several reasons:

Unwillingness to address sacred cows because of internal politics
Looking at past successes instead of future opportunities
Following benchmarks without appropriate analysis

Effective expense management starts with a more detailed understanding of your spend throughout the organization. By better understanding how your organization spends money and what is being purchased, you can more easily identify savings opportunities that will have a meaningful bottom line impact. To achieve this, consider these steps.

Collect and categorize spend data throughout your organization from sources such as accounts payable, procurement, payroll, contracts, procurement cards, and expense systems.
Identify specific categories of spend that could be reduced without significant customer-facing impacts
Define and implement specific savings strategies such as supplier consolidation or renegotiation, elimination of non-essential spending, demand or specification management, and tightening of expense policies.
Track and report hard dollar savings delivered from each strategy, showing the impact by business unit and service line.

In addition, consider longer term expense management strategies to help ensure an objective evaluation and to guard against inefficient expense management based on precedent and inertia. Consider using the phase zero-based budget approach when performing annual budgeting and planning. Each department should start at $0 and will have to justify every FTE and dollar spent when creating their budget. This will help to ensure each department is committed to spend management.

3. More is more – boosting revenue

Managing expenses is vital, but growth still depends on increasing revenue. What can your financial institution do to grow the top line? Here are some ideas:

Review all prices for products and services on a rolling three-year basis, reviewing a third of all products and services annually
Compare prices of all core products and services against your competitors at least annually. Increase prices on services prices below market while lowering prices and increasing sales activities on services prices above market.
Identify opportunities to create products and services that can drive new revenue streams.
Create revenue strategies that lead customers toward desired outcomes. For example, institutions want consumers to switch from paper statements to electronic statements. So announce a price increase for paper statements to cover postage costs. This will drive some consumers to use e-statements and generate additional revenue from those that don't.

4. Quality – are your measures effective?

Quality matters. But, as with any effort, so does ROI. In today's economically and competitively challenging environment, all financial institutions should ask themselves some hard questions about quality control efforts.

Take the CAMELS rating system. Many financial institutions strive to maintain a CAMELS 1 rating. But can you afford to push for that rating in today's market? The right answer depends on your institution's specific circumstance and goals.

It's important to be able to clearly articulate how your institution measures quality. What objective and subjective measures do you use? How do those measures support your goals? When these measures are laid out, it should be clear as to whether you are measuring the right things and measuring them accurately.

In addition to quality measures, it's important to indicate where you are investing time and resources to ensure quality. If you are investing in services or activities that are already performing at the top end of the quality scale, you might want to consider diverting some of the investment to other, lower performing areas. Ultimately, it's about ensuring those investments are going where they will make the biggest difference.

Here are some quality strategies to consider:

Focus on baking quality assurance measures into your processes instead of layering quality control steps at the end.
Create clear, ongoing channels for communicating quality issues throughout the organization and ensure they are raised to the appropriate level of leadership. Review quality measurements and results with leadership at least quarterly to ensure quality issues are addressed and those quality measurements are still relevant and effective.
Communicate quality success stories internally to employees and externally to shareholders and customers through channels like annual reports and newsletters to leverage the benefits of your quality efforts.

5. Productivity – getting the most from your people

Every organization preaches productivity, but only those with a culture that supports improving it with clear goals, transparent accountability and real rewards achieve the best results.

Start by accurately defining current productivity levels at the workgroup and employee levels. Identify how well they are supporting the mission, goals and objectives of your institution and define the qualitative and quantitative measurements to rate them.

Encourage a culture that questions the status quo in any process. Set clear standards so that all employees know that they must meet defined productivity standards and that they are being measured relative to their peers. For example, tellers can be rated for improved transaction levels, reduced outages and increase in simple sales.

Set multi-year strategies for significant productivity increases for specific workgroups. Strategically target workgroups where re-engineering needs to occur and the highest potential for cost savings exists.

6. Service – focusing on what matters

Effective service is vital to retaining and building customer relationships. But are you focusing on the right services and the right customers? Consider these three questions.

Most financial institutions have service standards, but do your customers share your impression of your service? What have you done to find out?
How would an increased or decreased level of investment affect service levels – could you be over- or under-investing in service?
Are your services focused on the evolving needs of today's market or are they only focused on your historical customer base?

Here are three strategies to help focus your service efforts:

Be sure that every employee understands the services expectations associated with their position and how they are measured. Those expectations must be communicated clearly and updated regularly.
Establish clear three- to five-year service improvement targets that directly support your institution's mission and goals by focusing on key markets and that have clear accountability at all levels. For example, set improvement targets for metrics like average products and services per customer, average revenue per customer and customer retention.
Use service strategies to drive customer behavior in desired directions in areas like e-statement adoption, ATM usage, and online and mobile banking.

7. Business development – growing your future

For many financial institutions, the key to business development is understanding the current market position. Only by understanding how well the current mix of products and services meets customer needs can you make appropriate decisions on where to focus development efforts. Ask yourself these three questions when looking to identify your business development opportunities.

Are you the primary financial services provider for your customers or a secondary player supporting their needs? What percentage of the financial services buy (aka "wallet share") do you own in your customer base?
Why are some customers choosing other financial institutions for certain needs?
How well-trained is your sales force – are they better trained at understanding your products, service and market or at filling out forms and screens?

Develop sales training programs that enhance both product/services knowledge and general sales skills. At many financial institutions, sales people are not even aware of the full range of products and services offered. Consider developing product/service specialists to accompany sales people on calls involving more complex products and high-value targets. This will help ensure that prospects fully understand the features and benefits of your products and that their questions are answered completely and accurately. Create sales objectives and reward mechanisms for the sale of targeted products to boost penetration into key market segments, but be sure to guard against inappropriate responses to those reward systems, such as sales people steering prospects to the wrong product just to boost their numbers.

By understanding your customer wants and your sales team needs, you can most effectively target your future business development efforts.

8. Customer retention – keeping what you have

Every financial institution is looking to increase business with existing customers. Every lost customer represents more than just the business they were already doing with you. They represent all the other business that you could have sold to them. And the cost and effort of securing new customers far exceeds that of building relationships with your current customer base.

The BAI states that the average bank loses 13 percent of their customers each year. The first step in customer retention is to assess the size of the problem. Identify your loss rate and see how it compares to this average. Then dive into those customer losses. Identify the number of services they took advantage of and which services specifically. Ask them questions around why they left and what you could do to win them back.

Once you have evaluated your organization's situation you can better gauge how to improve your customer retention.

The TOP 10 Luxury Cars Available Today

2017-09-15T22:53:00.000+07:00

1. Jaguar F-type Coupe

Whether you begin with the Jaguar F-type coupe’s proportions, its muscular shape, or its amazingly purposeful stance, this is a seriously pretty kitty. What about the roadster, you say? It, too, is gorgeous, but the coupe’s plunging roofline and more-defined rear haunches give it the edge. And the experience isn’t merely visual—the F-type R Coupe’s supercharged V-8 soundtrack is pure aural ecstasy.

2. Alfa Romeo 4C Spider

Sure, few Alfa Romeos are born ugly, but the mid-engine 4C sprung into this world like an 18-year-old Kate Upton: fully formed and capable of holding your eyeballs in a vice grip. Just stare at its curves, taut lines, and athletic posture, and before long you’ll be mentally transported to a twisty road somewhere in northern Italy. Bellissima. The Spider’s better-resolved, less-arachnidan headlight units give it the nod here, but the same pieces will soon be offered on the coupe, so you can’t really go wrong either way.

3. Ferrari 458 Italia

We like the 458 Italia because it’s exactly what a Ferrari should be: race-car tech wrapped in stunning sheetmetal. In this case, the Pininfarina-penned, mid-engine sports car’s aggressive and almost brutally low body suits its knife-edged personality perfectly. We could spend hours poring over the 458’s numerous, carefully designed details—and we have.

4. Mercedes-Benz S-class Coupe

In the ultra-luxury realm, size matters—and it’s one of the reasons why the 2015 S-class coupe places so highly in our beauty rankings. This plus-size pinup’s use of proportion and its pervasive, tapering-arc design theme accentuate both its size and grace. The hood seems unbelievably long (a neat visual trick, courtesy of the upright and forward grille), and the three body-side lines add length and catch light like Tinker Bell scooping fairy dust. Did Germans really design this thing?

5. Aston Martin V8 Vantage

Wheels pushed to the absolute corners; classic long-hood, short-deck proportions; and clean, graceful sheetmetal: We can only be talking about Aston Martin’s V8 Vantage, a proper sports car through and through. This fifth-place showing comes as Aston continues to introduce special-edition models, which typically signify a car’s impending doom. But as with Jennifer Aniston, this hot car shows age is just a number.

6. Lamborghini Huracán LP610-4

We can practically hear your fingers hovering over those keyboards—yes, the Huracán isn’t as outrageous as bulls past, but that’s why it’s on this list. Even ignoring the badge on the stubby hood, this is an exceptionally clean yet exotic shape. Call it the High-Art Doorstop or Subtle Surfacing Perfected—either way, it’s a wonderful thing to behold.

7. Cadillac ELR

The ELR plug-in’s non-traditional path to beauty—it possesses far more straight lines than curved—landed it on our list. In spite of its cab-forward, front-drive proportions, the ELR wears perhaps the most finely tuned iteration of Cadillac’s crisp, Art & Science design language. And the shape, classicism be damned, is dramatic, while the jeweled detailing and trim exude class, wealth, and style.

8. Porsche 911

Even as the latest Porsche 911 has grown larger and pushed even further upmarket, there’s no denying the iconic sports car looks better for it. The new 911’s longer wheelbase and re-contoured tail lend it a wonderful stance, and the overall proportions still work well with Porsche’s classically curvy design language and the 911’s unique, tail-heavy profile. And we can’t talk about the 911 without mentioning those hips—they practically beg you to grab hold and . . . okay, we’ll stop.

9. Land Rover Range Rover

The Range Rover makes this list because of its pure surfaces. The previous-generation Range Rover was a rectilinear ode to the T-square, and while it was quite handsome, the new one makes it look blocky and cheap by comparison. We like the way Land Rover introduced a subtle curve to the door sections, not to mention the body’s more pronounced rearward taper. The more dynamic surfacing elevates the signature look to a new, even classier level.

10. Audi R8

The aging, soon-to-be-replaced R8 among today’s most beautiful cars? Probably controversial. But the R8 remains every bit the design icon it was when it debuted nearly a decade ago. It’s telling that the car still looks like nothing else out there, with a semi-rounded surface theme that would probably look ridiculous on anything else. But paired with Audi’s delicate headlights and taillights, simple grille work, and that roofline, it makes for one gorgeous soon-to-be-retiree.

Getting Electricity in Cambodia

2017-09-15T22:28:00.000+07:00

Below is a detailed summary of the procedures, time and cost required for a business to obtain an electricity connection for a newly constructed building in Cambodia.

This information was collected as part of the Doing Business project, which measures and compares regulations relevant to the life cycle of a small- to medium-sized domestic business in 190 economies. The most recent round of data collection was completed in June 2016.

Procedure

1 Submit application to Electricite Du Cambodge and await estimate

Agency: Electricite Du Cambodge (EDC)

The application should be submitted in person to the Distribution Department of Electricite Du Cambodge. The application should include the following documents: a certificate of property title (a photocopy is sufficient and there is no need for notarization) and a certificate of company registration. The client has to fill a form specifying the power needed and the list of equipment in the warehouse.

There are no official fees for the application. The time for this procedure includes an estimate for negotiation

2 Receive site inspection by Electricite Du Cambodge

Agency: Electricite Du Cambodge (EDC)

The Distribution Department of EDC sends an inspector to check the site and the area. After the inspection the EDC will do the assessment and quotation of the prices.

3 Await clearance from Electricite Du Cambodge and sign contract

Agency: Distribution Department Electricite Du Cambodge (EDC)

The consumer should obtain a clearance from the Distribution Department which has to assess whether EDC has enough capacity. The clearance is issued by the Managing Director of the Distribution Department. Once the clearance is issued the applicant signs a contract and pays fees

4 Await completion of external works, meter installation and final connection

Agency: Electricite Du Cambodge (EDC) and Electrical Contractor

For an additional load of 140kVA installation of a transformer for 160 kVA will be required. The external connection works are carried out by EDC. The meter gets installed at the same time as when the connection is done. If there is a road crossing it takes EDC additional 2 weeks to obtain an excavation permit

The security deposit has to be paid and is returned upon the termination of the power consumption.

There is no supervision / inspection of the internal wiring before the final connection. EDC is responsible only for the external connection. The customer's private electrical engineer is in charge of the internal wiring. There is no requirement that the electrician must be licensed, so they can practice without a license. However, EDC is de facto the licencor of electrical engineers because they provide training courses. Attendees of this training receive a certificate that EDC recognizes. There is no other agency that provides the courses

Universities implementing their own scholarship programs for developing countries »

2017-09-15T22:14:00.003+07:00

A notable number of Universities have their own scholarship schemes intended for developing regions/countries aside from the ones they administer in behalf of donor institutions. You can find a handful of these Universities in this list.

Universities in Europe

Belgium: Ghent University Scholarships
Ghent University offers a wide array of scholarships specifically for developing countries. It offers scholarships for Training, Masters, PhD, and Post Doctoral programmes for developing country students.

Ireland: Dublin Institute of Technology Scholarships
The Dublin Institute of Technology currently provides international scholarships for international students from selected agencies in Mexico, Oman, UAE, Tanzania, Kazakhstan, and Kuwait.

Netherlands: Maastricht University Scholarships
Maastricht University sponsors a number of international scholarships for student from the following regions: Africa, Asia, Eastern Europe, and South America.

Netherlands: University of Groningen Scholarships
Several scholarships are available for international students who are motivated to study Bachelor’s, Master’s and PhD programmes, as well as for exchanges, short courses at the university. Besides scholarships awarded by the University of Groningen, a number of grants awarded by the Dutch government, the EU and (inter)national organizations, such as World Bank or the Ford Foundation, can be used for study or research at the University of Groningen as well.

Netherlands: University of Twente Scholarships
University of Twente administers a number of international scholarships for students from Asia, South America, and Central America.

Italy: University of Pavia Scholarships
The University of Pavia (UNIPV), in order to promote international cooperation with the Developing Countries, offers scholarships for selected Masters Studies at the University of Pavia or at the Institute for Advanced Study of Pavia (IUSS).

UK: Cardiff University Scholarships
Cardiff University offers scholarships for international students from Africa, Arabic Countries, Australia, Bermuda/Cayman Islands, Canada, China (P.R.), Colombia, India/Indian Subcontinent, Japan, Kazakhstan, Nigeria, Pakistan, Saudi Arabia, Turkey, USA, Vietnam.

UK: London South Bank University Scholarships
London South Bank University offers full scholarships for students from commonwealth countries including African commonwealth countries. It also offers partial scholarships for students from priority countries (Bangladesh, China, Ghana, India, Kenya, Mauritius, Nigeria, Pakistan, Sri Lanka, Thailand, Turkey, Uganda, and Vietnam).

UK: London Met Scholarships
The ISH/London Met Scholarships is jointly run by International Students House (ISH) and London Metropolitan University. The scholarships are awarded to outstanding students from selected developing countries who wish to pursue an undergraduate or postgraduate degree at the University.

UK: Roehampton University Scholarships
The University has a number of scholarships available for international students on full-time, taught undergraduate and postgraduate programmes. Scholarships are specifically available for students from China, South Korea, India, Thailand, Taiwan, Japan, Turkey, Malaysia, USA, Norway, Singapore, US, and UK-based international students in their first year of study.

UK: Sheffield Hallam University Scholarships
Sheffield Hallam University offers international scholarships for Non-EU students and specific scholarships for ASEAN member countries (Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Singapore, Thailand, Vietnam).

UK: University of Bedforshire Scholarships
University of Bedforshire offers scholarships to international Non-EU students from different countries.

UK: University of Birmingham Scholarships
University of Birmingham has scholarships available for students from the following regions: Africa, Asia Pacific, Indian Subcontinent, Middle East, Russia, South America.

UK: University of Cambridge Scholarships
The University of Cambridge has special scholarships schemes for students from developing countries. The schemes include Cambridge Shared Scholarships, Shell Centenary Chevening Cambridge Scholarships, Shell Centenary Cambridge Scholarships, and Developing World Education Fund Scholarships.

UK: University of East Anglia Scholarships
The University of East Anglia offers a number of full and partial scholarships in international development courses for students from low-income countries.

UK: University of Edinburgh Scholarships
The University of Edinburgh offers a number of international scholarships for students from Africa, Cambodia, China, India, Laos, Malaysia, Mexico, Middle East, Myanmar, Russia, Southern Africa, Tanzania, Thailand, and Vietnam.

UK: University of Nottingham Scholarships
Through the Developing Solutions Scholarship Fund, The University of Nottingham is offering one of the largest international scholarship programmes in the world for developing countries of the Commonwealth and to non-Commonwealth Africa. The Countries outside Africa and India also covered by the Developing Solutions international scholarship scheme are Anguilla, Antigua and Barbuda, Bangladesh, Barbados, Belize, Bermuda, British Virgin Islands, Brunei, Cayman Islands, Dominica, Falkland Islands, Fiji, Gibraltar, Grenada, Guyana, Jamaica, Kiribati, Malaysia, Maldives,Montserrat, Nauru, Pakistan, Papua New Guinea, Pitcairn, St Helena, St Kitts and Nevis, St Lucia, St Vincent, Singapore, Solomon Islands, Sri Lanka, Tonga, Trinidad and Tobago, Tristan da Cunha, Turks and Caicos, Tuvalu, Vanuatu, Western Samoa

UK: University of Salford Scholarships
University of Salford offers various scholarship programs for students from Sub-saharan Africa, Southeast Asia, South Asia, Middle East & North Africa, Latin America, and East Asia.

UK: University of Oxford Scholarships
University of Westminster offers a variety of scholarships for students from Africa and Asia.

UK: University of Westminster Scholarships
The University of Westminster offers full international scholarships and full tuition wavers for students from developing countries in undergraduate and postgraduate studies. Aside from this, they administer various scholarships for students from selected regions (Eastern Europe, South Asia, Central America, Latin America, Carribean Region, Middle East, North Africa) and/or countries (Gambia, Suriname, Guyana, Tanzania, China, India, East Timor, Philippines, Malaysia, Vietnam, Brazil, Mexico, Bolivia, Chile, Guatemala, Panama, Bulgaria, Croatia, Russia, Former Yugoslav Republic of Macedonia, Romania or Turkey, Former Soviet Union States) .

UK: University of West England Scholarships
The University of the West of England, Bristol offers more than £100,000 worth of scholarships for international students each year. For developing country students, they have 3 scholarship programs: Global Student Scholarship, Millennium Development Scholarship and Professor Arthur Li Development Scholarships.

Universities in United States & Canada

USA: East-West Center Scholarships
East-west Center offers international graduate degree scholarships for students from Asia, Pacific Islands, and Russia.

USA: Harvard University Scholarships
Harvard University offers specific scholarships for international students from Argentina, Brazil, China, Columbia, Indonesia, Mexico, Philippines, Thailand, Vietnam and Pacific Islands.

USA: NYU Wagner Scholarships
NYU Wagner has special scholarship programs for Africa, Kazakhstan and Soviet Union’s 15 Newly Independent State (Armenia, Azerbaijan, Belarus, Estonia, Georgia, Kazakhstan, Kyrgyzstan, Latvia, Lithuania, Moldova, Russia, Tajikistan, Turkmenistan, Ukraine and Uzbekistan)

Canada: University of Alberta Scholarships
The University of Alberta International administers specific scholarship programs for students from Chile, China, India, Mexico, and Vietnam.

Universities in Australia & New Zealand

Australia: Griffith University Scholarships
Griffith University offers international scholarships for students from China, India, Indonesia, Iran, and Malaysia.

Australia: Macquarie University Scholarships
Macquarie University implements scholarships for postgraduate coursework for students from Columbia and Mexico.

Australia: Swinburne University of Technology Scholarships
Swinburne University of Technology has a number of scholarship schemes for selected developing countries: Bicentennial Scholarships (Chile), MACC Scholarships 2009 (Malaysia), FUNED Postgraduate Scholarships (Mexico), and Australian University Scholarships (Thailand).

Australia: University of Western Australia Scholarships
University of Western Australia has special scholarship schemes for China and India for postgraduate research studies.

New Zealand: University of Auckland Scholarships
The University of Auckland administer country-specific scholarships for students from Tonga, Chile, and Pakistan.

New Zealand: Victoria University of Wellington Scholarships
Victoria University of Wellington offers International Undergraduate Fees Scholarships to students from Malaysia, Thailand, and Vietnam.

Universities implementing scholarship programs of Government and Donor Agencies

2017-09-15T22:13:00.002+07:00

Government and donor agencies often implement their scholarship programs through Universities and academic institutions. By reading the scholarship profiles below, you will find a list of host universities administering or co-sponsoring major scholarship programs intended for developing countries.

Joint Japan/World Bank Graduate Scholarships
Intended for nationals of a World Bank member country eligible to borrow for study in selected countries.

Asian Development Bank-Japan Scholarships
Intended for nationals of ADB member countries in Asia and Pacific.

New Zealand Development Scholarships
Intended for citizens of NZDS participating countries for study in selected education institutions in New Zealand.

Australian Development Scholarships
Intended for citizens of ADS participating countries for study in selected Universities in Australia.

DAAD Scholarships
Intended for citizens of developing countries for study in State (public) or state-recognized German higher education institution

Commonwealth Shared Scholarship Scheme
Intended for nationals of Commonwealth developing countries at selected partner Universities (changes annually).

Norwegian Quota Scholarships
Intended for students from selected developing countries in the South and countries of Central- and East-Europe and Central-Asia for study in selected Universities in Norway.

How to Registering Your Property in Cambodia

2017-09-15T22:08:00.001+07:00

Below is a detailed summary of the steps, time and cost involved in registering property in Cambodia. It assumes a standardized case of an entrepreneur who wants to purchase land and a building that is already registered and free of title dispute.

Agency: Land Office (District Level, Office of the Ministry of Land Management, Urban Planning & Construction)The buyer verifies the title certificate with the Land Office, checking for potential liens or encumbrances

The buyer should obtain a copy of the initial title certificate from the seller and verify proper ownership, ensuring that the seller is the rightful owner of the title certificate. He verifies the title certificate with the land office (it is also possible to start this procedure at the Land Department at the Provincial level) to ensure that there are no liens, mortgages or other encumbrances registered for that property.

Official cost according the Prakas 995 dated of December 28th,2012 on public service at Ministry of Land Management, Urban Planning and Construction

Obtain information on the property from the Commune Council Official

Agency: Commune Council

The land purchaser may contact the village chief or the commune council official to obtain information on the land in addition to an official search at the municipal land office. This procedure is not required by law, but it is an additional step to verify that there are no morel liens or other encumbrances affecting the property object of the transaction

The buyer should obtain the certificate of incorporation of the seller’s company and other documents from the seller

Agency: Ministry of Commerce

If the landowner is a legal entity, the buyer should obtain a copy of the ID of the shareholder or person acting on behalf of the company, and a certified/notarized copy of the certificate of issued by the Ministry of Commerce. These documents are needed to verify the accuracy and identity of the company name appearing in the title certificate. A Power of Attorney is also needed, as well as a resolution signed by the Board of Directors authorizing a named individual to represent the company at the land office accompanied by the Power of Attorney implementing that Resolution. This procedure is not required by law, but carried out in practice to verify information of the seller.

Apply for registration at the District Land Office of the Ministry of Land Management, Urban Planning & Construction (MLMUPC)

Agency: Land Office, (District Level, Office of the Ministry of Land Management, Urban Planning & Construction)

When 2 persons/companies wish to buy/sell real property, together they should go to the district office of the Ministry of Land Management, Urban Planning & Construction (MLMUPC) and arrange to prepare and sign documents. The Land office reviews the document, checks the existing land book and sends it to the tax office to calculate the amount to be paid for the Transfer Tax. Before that, the tax office will send their staff to the field to evaluate the property. They have to inspect the property and assess its value. Once the inspection is done, the tax office will ask the buyer to pay the transfer tax.

In order to complete this procedure, a cadastral transfer fee of KHR 600,000 is paid to MLMUPC.

The documentation shall include the company's statute, its Certificate of Incorporation, and Power of Attorney (obtained in Procedure 3). At the time, the original Title Certificate held by the seller must be presented to the Khan (District Level) at the time of signing the deed in order to have the name of the new owner inserted on the document.

Pay transfer tax at the Tax Collection Office

Agency: General Department of Taxation

A transfer tax of 4% of value of the property is paid by the seller to the Ministry of Economy and Finance at the Tax Collection Office of the location of the transferred property. A Tax Receipt is issued to prove that the tax has been paid. The 4% transfer tax is set out in Article 40 of the Law on Finance for the year 1995. In Phnom Penh, this tax is not assessed based on the true transacted value of the property but based on a schedule of price of property determined by the Phnom Penh Municipality. The assessed value is usually based on the total number of square meters, the land's location, use etc. For the land of more than 1200m², the surplus is subject to unused land tax. For the land less than 1200m², the unused land tax is not applicable. The time for the tax office to complete the calculation of transfer tax will depend on the location of the land and its size.

Return to Cadastral office to complete the registration process

Agency: Land Department (Province Level of the Ministry of Land Management, Urban Planning & Construction)

After taxes are paid the parties return to the cadastral office at the MLMUPC and sign/thumbprint a MLMUPC form for buying/selling real property that was filled in by MLMUPC official. The signing/thumb printing will be witnessed by a local authority such as commune chief who will also thumbprint. These Procedures are based on Land Law Arts. 244 and 245. Land Law Art. 69 bars transfer unless all necessary taxes are paid. The documentation shall include: (1) Payment receipts of transfer tax (obtained in Procedure 5)

Obtain the certificate of title from the Municipal Land Office

Agency: Land Department (Province Level of the Ministry of Land Management, Urban Planning & Construction)

The Khan/District land office forwards all the "transfer documents" to the Municipal Land Office where it issues the Certificate of Title in the new owner's name and has it registered. The last procedural step in practice can take several weeks, depending on the diligence of the land officials and interested parties. The Certificate of Title is received at the Land Department (Khan level)

WAY TO PREVENT YOU FROM DIABETES

2017-09-15T15:27:00.001+07:00

It is important to learn to learn all about diabetes. It is a disease in which the body’s ability to produce or respond to the hormone insulin is impaired, resulting in abnormal metabolism of carbohydrates and elevated levels of glucose in the blood.

It is a chronic disease that affects millions of people in the world. Uncontrolled cases can cause blindness, kidney failure, heart disease and other serious conditions. Fortunately, this disease is preventable.

Prevention is better than CURE....Here are some methods to avoid getting diabetes.

1. Reduce Sugar and Refined Carbs From Your Diet

2. Work Out Regularly

3. Drink Water as Your Primary Beverage

4. Lose Weight If You're Overweight or Obese

5. Quit Smoking

6. Follow a Very-Low-Carb Diet

7. Watch Portion Sizes

8. Avoid Sedentary Behaviors

9. Eat a High-Fiber Diet

10. Optimize Vitamin D Levels

11. Minimize Your Intake of Processed Foods

12. Drink Coffee or Tea

Phnom Penh Post Code

2017-09-11T13:26:00.001+07:00

Khan Russei Keo	12100	Khan Chamkarmorn	12300
Russei Keo	12104	Tonle Basak	12301
Toul Sang Kè	12105	Boengkengkang 1	12302
Kilometre 6	12106	Boengkengkang 2	12303
Chrang Chamres 1	12107	Boengkengkang 3	12304
Chrang Chamres 2	12108	Boeng Trabek	12305
Svay Pak	12109	Tumnup Tuk	12306
		Phsar Doeum Thkov	12307
Khan Toulkok	12150	Toul Svay Prey 1	12308
Boengkâk 1	12151	Toul Svay Prey 2	12309
Boengkâk 2	12152	Toul Tum Poung 1	12310
Phsardépo 1	12153	Toul Tum Poung 2	12311
Phsardépo 2	12154	Olympic	12312
Phsardépo 3	12155
Tuk Laak 1	12156	Khan Meanchey	12350
Tuk Laak 2	12157	Boeng Tumpun	12351
Tuk Laak 3	12158	Stung Meanchey	12352
Phsar Ddoeumkor	12159	Chak Angré Krom	12353
Boengsalang	12160	Chak Angré Leu	12354

Khan Daun Penh	12200	Khan Dang Kor	12400
Sraas Chak	12201	Dang Kor	12401
Wat Phnom	12202	Trapeang Krasaing	12402
Phsar Chas	12203	Kokroka	12403
Phsar Kandal 1	12204	Phleung Chhésrotés	12404
Phsar Kandal 2	12205	Chom Chao	12405
Chey Chumneas	12206	Kakap	12406
Chak Tomuk	12207	Porng Teuk	12407
Phsar Thmei 1	12208	Prey Veng	12408
Phsar Thmei 2	12209	Samrong	12409
Phsar Thmei 3	12210	Prey Sar	12410
Boeng Raing	12211	Kraing Thnoung	12411
		Kraing Pongro	12412
Khan 7 Makara	12250	Prataslang	12413
Monorom	12251	Sac Sampeou	12414
Mittapheap	12252	Cheung Ek	12415
Veal Vong	12253
Orussei 1	12254	Khan Chba Ampoeu
Orussei 2	12255	Chbar Ampeou 1	12355
Orussei 3	12256	Chbar Ampeou 2	12356
Orussei 4	12257	Niroth	12357
Boeng Prolit	12258	Prek Pra	12358
		Prek Eng
Khan Por Senchey		Preak Thmey
Chom Chao	12405	Kbal Koh
Kakap	12406	Veal Sbov
Kraing Thnoung	12411
Kokroka	12403	Khan Chroy Chang Va
Trapeang Krasaing	12402	Chroy Chang Va	12110
Phleung Chheh Roteh		Prek Tasek	12111
Samraong Kraom		Prek Leap	12112
Boeng Thum
Kamboul		Khan Prek Phnov
Kantaok		Prek Phnov
Ovlaok		Ponh Nheapon
Snaor		Samrong	12409
		Koh Roka
Khan Sen Sok		Pon Sang
Phnom Penh Thmei	12101
Teuk Thlar	12102
Khmounh	12103
Kraing Thnoung	12411

3 simple ways to lose weight fast

2017-08-22T14:11:00.001+07:00

There are many ways to lose a lot of weight fast. However, most of them will make you hungry and unsatisfied.

If you don't have iron willpower, then hunger will cause you to give up on these plans quickly.

The plan outlined here will:

Reduce your appetite significantly.
Make you lose weight quickly, without hunger.
Improve your metabolic health at the same time.

Here is a simple 3-step plan to lose weight fast.

1. Cut Back on Sugars and Starches

The most important part is to cut back on sugars and starches (carbs).

These are the foods that stimulate secretion of insulin the most. If you didn't know already, insulin is the main fat storage hormone in the body.

When insulin goes down, fat has an easier time getting out of the fat stores and the body starts burning fats instead of carbs.

Another benefit of lowering insulin is that your kidneys shed excess sodium and water out of your body, which reduces bloat and unnecessary water weight (1, 2).

It is not uncommon to lose up to 10 pounds (sometimes more) in the first week of eating this way, both body fat and water weight.

This is a graph from a study comparing low-carb and low-fat diets in overweight/obese women (3).

The low-carb group is eating until fullness, while the low-fat group is calorie restricted and hungry.

Cut the carbs, lower your insulin and you will start to eat less calories automatically and without hunger (4).

Put simply, lowering your insulin puts fat loss on "autopilot."

BOTTOM LINE:Removing sugars and starches (carbs) from your diet will lower your insulin levels, kill your appetite and make you lose weight without hunger.

2. Eat Protein, Fat and Vegetables

Each one of your meals should include a protein source, a fat source and low-carb vegetables. Constructing your meals in this way will automatically bring your carb intake into the recommended range of 20-50 grams per day.

Protein Sources:

Meat - Beef, chicken, pork, lamb, bacon, etc.
Fish and Seafood - Salmon, trout, shrimps, lobsters, etc.
Eggs - Omega-3 enriched or pastured eggs are best.

The importance of eating plenty of protein can not be overstated.

This has been shown to boost metabolism by 80 to 100 calories per day (5, 6, 7).

High protein diets can also reduce obsessive thoughts about food by 60%, reduce desire for late-night snacking by half, and make you so full that you automatically eat 441 fewer calories per day... just by adding protein to your diet (8, 9).

When it comes to losing weight, protein is the king of nutrients. Period.

Low-Carb Vegetables:

Broccoli
Cauliflower
Spinach
Kale
Brussels Sprouts
Cabbage
Swiss Chard
Lettuce
Cucumber
Celery
Full list here.

Don’t be afraid to load your plate with these low-carb vegetables. You can eat massive amounts of them without going over 20-50 net carbs per day.

A diet based on meat and vegetables contains all the fiber, vitamins and minerals you need to be healthy. There is no physiological need for grains in the diet.

Fat Sources:

Olive oil
Coconut oil
Avocado oil
Butter
Tallow

Eat 2-3 meals per day. If you find yourself hungry in the afternoon, add a 4th meal.

Don’t be afraid of eating fat, trying to do both low-carb AND low-fat at the same time is a recipe for failure. It will make you feel miserable and abandon the plan.

The best cooking fat to use is coconut oil. It is rich in fats called medium-chain triglycerides (MCTs). These fats are more fulfilling than others and can boost metabolism slightly (10, 11).

There is no reason to fear these natural fats, new studies show that saturated fat doesn’t raise your heart disease risk at all (12, 13).

To see how you can assemble your meals, check out this low carb meal plan and this list of 101 low carb recipes.

Official Link

The most expensive car in 2017

2017-08-22T13:58:00.001+07:00

Lamborghini Veneno Roadster — $3.3 million

LAMBORGHINI

Lamborghini....still the most expensive car in the WORLD. I'm sure everybody will never miss this branding car. The Veneno Roadster is the most expensive product of Lamborghini on the road today. It's actually $500,000 more expensive than the coupe version of the Veneno. That's the most super-super car....

Look at the build of this open-top two-seater. The monoque is lifted from the LP700-4 Aventador, except this one is made from carbon-fiber. Atop this is bolted a 740-hp, 6.5-liter V-12 with a seven-speed single-clutch ISR automated manual transmission—the same one found in the Veneno coupe. It's a tricky transmission, and one that gets a lot of heat among aficionados. If there's room for improvement in a car that costs more than a private jet share, the transmission would be the place. The sprung portion of the Veneno is placed atop a pushrod-actuated suspension, and even though it's driven by a a full all-wheel-drive system, the total dry weight of this carbon-fiber gem is just 3,285 pounds.

Cambodia-Withholding Tax

2017-08-22T13:34:00.003+07:00

The general withholding tax shall be determined as follows:

Any resident taxpayer carrying on business and who makes any payment in cash or in kind to a resident paxpayer shall withhold, and pay a tax, an amount according to the below mentioned rates which are applied to the amount paid before withholding the tax:
- The rate of 15 percent on:
  - Income received by a physical person from the performance of services including management, consulting, and similar services;
  - Royalties for intangibles and interest in minerals, and interest paid by a resident taxpayer carrying on business other than domestic banks and saving institutions to a resident taxpayer
- The rate of 10 percent on the income from rental of movable and immovable
- The rate of 6 percent on interest paid by a domestic bank or saving institutions to a resident taxpayer having a fixed term deposit account
- The rate of 4 percent on interest paid by a domestic bank or saving institutions to a resident taxpayer having non-fixed term saving account
The withholding in this article shall not apply to interest paid to a domestic bank or saving institution and to the payment of tax exempt income as stated in article 9(New) of this Law.

- Any resident taxpayer carrying on business and who makes any of the following payments to a non-resident taxpayer shall withhold, and pay as tax, an amount equal to 14 percent of the amount paid:

interest,
royalties, rent, and other income connected with the use of property;
compensation for management or technical services that shall be determined by Prakas of the MEF;
dividends.

Value Added Tax

2017-08-22T13:33:00.004+07:00

The self-assessment regime taxpayers who are making taxable supplies are obliged to register for VAT, and collect VAT from the supplying of goods or services to their customers. The term “good” means tangible property other than land or money. The term “service” means the provisions of something of value other than goods, land, or money.
Taxable supply
The term taxable supply means:

The supply of goods or services by a taxable person in the Kingdom of Cambodia. The taxable person is any taxpayer under the Real Regime Tax System and others as specified by regulations;
The appropriation of goods for his own use by a taxable person;
The making of gift or supply at below cost of goods or services by a taxable person;
The import of goods into the customs territory of the Kingdom of Cambodia.

Non-taxable supplies
Non-taxable supplies are as follows:

Public postal service;
Hospital, clinic, medical, and dental services and the sale of medical and dental goods incidental to the performance of such services;
The service of transport of passengers by wholly state owned public transportation system;
Insurance services;
Primary financial services;
The imports of articles for personal use that are exempted from customs duties;
Non-profit activities in the public interest;
The imports or the purchases of goods for use in the exercise of their official function of foreign diplomatic and consular missions, international organizations and agencies of technical cooperation of other governments.

Rates of tax
The rates of VAT are as follows:

0% This rate applies only to goods exported from the Kingdom of Cambodia and services consumed outside Cambodia. Exports are defined as including international transportation of passengers and goods.
10% This standard rate applies to all supplies other than exports and non-taxable supplies.

Calculation of tax due

The VAT paid on import of goods or the VAT on locally purchase of goods or services for the business is called “Input Tax”.
The VAT charged on supplying of goods or services to customers is called “Output Tax”.
VAT due = Output Tax – Input Tax.

Non-deductible Input Tax
Non-deductible input tax are the VAT paid on:

Entertainment, amusement and recreation expense unless the taxable person carries on a business as a provider of entertainment, amusement or recreation;
Purchases or imports of automobiles, unless the taxable person carries on the business of dealing in, or hiring such automobiles; or
Purchases or imports of certain petroleum products, unless the taxable person carries on the business as a supplier of such petroleum products.

The taxable person must file the monthly VAT return in the form prescribed by the tax administration by the 20th of the month following the month that the supplies have been made.

Cambodia-Tax on Property Rental

2017-08-22T13:30:00.000+07:00

Tax on Property Rental

Tax on property rental is set by the rental received as the following:
- Buildings such as houses, factories, warehouses, offices, and so forth
- Manual tools are equipped with industrial institutions
- Industrial and commercial installed fittings established in place, large buildings loaded with liquids and miscellaneous products such as fuel, pitch, grains
- Floating houses, ships used as accommodations or miscellaneous business services
- Free land (land without buildings) is included with the areas of stone, mine and coal extraction, lakes and salt pan field
This tax is collected from proprietors or assignees
The tax rate on the property rental is equalized 10% of the gross rental. This gross rental shall be written in a contract or an agreement with lessees.

Cambodia-Tax on Salary

2017-08-22T13:28:00.000+07:00

Tax on Salary

Monthly salary (Riels)	Rate
0 - 1,000,000	0%
1,000,001 - 1,500,000	5%
1,500,001 - 8,500,000	10%
8,500,001 - 12,500,000	15%
12,500,001 - upwards	20%

For a non-resident employee the tax on salary is withheld at the rate of 20% of the amount to be paid before withholding. . This withholding tax is the final tax on salary for the non-resident receiving the salary.
For fringe benefits, every month, the employer shall withhold and pay tax at the rate of 20% of the total value of fringe benefits given to all employees. The value of fringe benefits is the fair market value inclusive of all taxes.

Thailand Post Codes

2017-08-22T13:22:00.004+07:00

Nan

Phranakhon Si Ayutthaya

Tak

Official Link

Creative Writing Scholarship

2017-08-21T11:47:00.003+07:00

Reedsy National Creative Writing Scholarship is a biannual award for writers and novelists in further education. As the world’s leading marketplace of book publishing talent, Reedsy is passionate about nurturing the next generation of fiction authors. Reedsy have designed this scholarship to award a student whose writing displays a clear and unique voice with the potential to thrive in the competitive literary landscape.

Awarded twice a year, successful candidates will receive $1,000 towards educational expenses and be eligible for further sponsorship while they develop as a writer.

Eligibility

To be eligible for the Reedsy National Creative Writing Scholarship, applicants must be:

United States Citizens or Permanent Residents

Accepted to, or currently enrolled in an accredited college, university, or graduate program within the United States

Test your English

Prepare for your study by taking the most popular and most accepted English language proficiency test. Book an IELTS test

Benefits

The scholarship will be applied to tuition and other education-related expenses. A wire transfer for $1,000 will be made payable to the recipient’s educational institution directly. Finalists will receive further opportunities for sponsorship while they continue to work on their novel and be automatically shortlisted on future scholarship programs and contests.

Application

Our application requires you to attach the first chapter (1,500 to 7,500 words) of an original novel you are currently writing, or have written but not yet published.

All applications must be submitted by email to scholarship@reedsy.com and include:

Your name, address and contact number;

The name of the college or university you are attending or planning to attend;

Your sample chapter attached to the email in .doc or .docx format with a written introduction. Google Doc links and PDFs will not be accepted.

Five finalists will be selected from each application pool. If your submission is shortlisted, your sample will be featured on Reedsy’s blog and social media channels. This will not affect your rights as the copyright holder.

OFFICIAL WEBSITE:

Do Gender Quotas Affect Long-Term Political Outcomes?

2017-08-20T00:02:00.000+07:00

Some 100 countries have in place gender quotas, the practice of reserving political positions for women, to overcome long-standing gender inequalities, yet little is known about its long-term impact. A working paper by Klaus Deininger, Songqing Jin, Hari Nagarajan, and Xia Fang fills the gap. Drawing on 15 years of data from individual respondents in India, the authors explore how reservations affect leader qualifications, service delivery, political participation, local accountability, and individuals’ willingness to contribute to public goods, both during the "reserved" period and in the long term. India is particularly suitable for this analysis: in the early 1990s, it implemented policies to reserve leadership positions in one-third of its villages -- randomly chosen in each period -- along with far-reaching decentralization policies. As the reservation policy aims to bring to office women who would not have qualified otherwise, the short-term impact on leader quality is often negative. But gender quotas increase the level and quality of women's political participation, the ability to hold leaders to account and the willingness to contribute to public goods in the long term. The full impact often materializes only after a time delay, highlighting the importance of considering the longer-term impact to gain a full appreciation of the policy.

Sources: World Bank

Adelaide Scholarships International (ASI)

2017-08-19T23:28:00.000+07:00

The University of Adelaide offers Adelaide Scholarships International (ASI) to attract high quality overseas postgraduate students to areas of research strength in the University of Adelaide to support its research effort.

The ASI provides

Course tuition fees for two years for a Masters degree by Research and three years for a Doctoral research degree (an extension is possible for doctoral programs only),
An annual living allowance ($26,288 in 2016) for two years for a Masters degree by Research and three years for a Doctoral research degree (an extension is possible for doctoral programs only), and
For Student Visa (Subclass 500) visa holders the award provides compulsory standard Overseas Student Health Cover (OSHC) Worldcare policy for the student and their spouse and dependents (if any) for the standard duration of the student visa. It does not cover the additional 6 month extended student visa period post thesis submission. If the award holder does not hold a subclass 500 visa then he/she is responsible for the cost of health insurance.

Conditions and Eligibility Criteria

In order to be eligible applicants are required to have successfully completed at least the equivalent of an Australian First Class Honours degree (this is a four year degree with a major research project in the final year). All qualifying programs of study must be successfully completed.
Scholarships will be awarded on academic merit and research potential. Extra-curricular achievements are not considered.
International applicants must not hold a research qualification regarded by the University of Adelaide to be equivalent to an Australian Research Doctorate degree or, if undertaking a Research Masters degree, not hold a research qualification regarded by the University of Adelaide to be equivalent to or higher than an Australian Research Masters degree.
International applicants who have not provided evidence of their meeting the minimum English language proficiency requirements for direct entry by the scholarship closing date, or who have completed a Pre-Enrolment English Program to meet the entry requirements for the intended program of study, are not eligible.
Citizens and Permanent Residents of Australia, and citizens of New Zealand are ineligible.
Those undertaking research via remote candidature are ineligible.
Candidates are required to enrol in the University of Adelaide as 'international students' and must maintain 'international student' status for the duration of their enrolment in the University.
Candidates who have applied for Australian permanent resident status can apply for ASI scholarships.
International applicants are not eligible if they have already commenced the degree for which they are seeking an award, unless they can establish that they were unable to apply in the previous round.
Scholarships holders must commence study at the University of Adelaide in the semester the scholarship is offered.
Applicants who applied and were eligible for consideration in an international scholarship round, and were unsuccessful, will automatically be reconsidered in the following international scholarship round, assuming they hold a valid offer of candidature for that intake. An applicant who has been considered in 2 rounds cannot be reconsidered in any future scholarship rounds.
The offer of a scholarship is contingent upon a student not being offered another award by the Commonwealth of Australia, the University of Adelaide, or an overseas sponsor. The University reserves the right to withdraw an offer of a scholarship at any time prior to enrolment if it is advised that an awardee has been offered a scholarship equal to or in excess of the financial value of the award offered by the University.

Generally applicants who succeed in winning an ASI scholarship have completed a Masters degree including a significant research component and have several publications and relevant work and research experience.

Application

International Application Rounds

To apply please submit a formal application for Admission and a Scholarship via our online application system. There is no application fee.

Apply Now

Note. The University of Adelaide is unable to provide an assessment of eligibility for candidature and/or a scholarship until a formal application is submitted and assessed. We strongly recommend that all applicants submit their application and all required documents well before the closing date.

Note. Late and incomplete applications at the scholarship application deadline will not be considered for a scholarship.

OFFICIAL LINK

SCHOLARSHIP FOR RECONSIDERED BOOK

A SCHOLARSHIP FOR WOMEN FROM ASIAN OR AFRICAN COUNTRIES

2017-08-19T23:07:00.000+07:00

The Fondation Rainbow Bridge Scholarship was established in memory of Muriel Dargent, Matthieu Dargent, Iris Dargent, and Muriel's parents, all of whom disappeared in the December 2004 Tsunami.

A graduate of HEC in 1988, Muriel Dargent presented a strong role model for young women, juggling her responsibilities as wife, mother, and leader. As the Financial Director of Nihon L'Oreal in Japan, Muriel was fluent in English, Spanish and Japanese. The Fondation Rainbow Bridge will enable young women recipients to enrich their academic background by obtaining an HEC MBA. Please note that unfortunately you cannot apply for this scholarship if admitted after June 15th for the September intake and after November 26th for the January intake.

Eligibility: Recipients of this scholarship are top-caliber female candidates who have been admitted to the HEC Paris MBA program (Full-time only) and who can demonstrate exemplary leadership skills in one or more of the following areas:

Community work
Charity engagement
Sustainable development practices

Selection Criteria: Only admitted candidates can apply for this scholarship. Women applying must come from an Asian or African country affected by a natural disaster, drought or famine. In addition, they must demonstrate a commitment to solving some of the social and economic issues affecting their countries while working for the long-term security of the people living there. Please note that unfortunately you cannot apply for this scholarship if admitted after June 15th for the September intake and after November 26th for the January intake.

Essay Question: Please explain in 1,500 words why you should be named the Fondation Rainbow Bridge Scholar at the HEC Paris MBA Program, while identifying your post-MBA goals.

Personal Financial Statement: Applicants must submit a detailed description of their financial circumstances as well as a cash-flow forecast for the 16-month duration at HEC.

Amount of Award: Up to two scholarships of € 20,000 per year

Application Deadline: Rolling

Decision date:

January 2017 Full-time intake: August 2017

September 2017 Full-time intake: August 2017

January 2018 Full-time intake: August 2018

OFFICIAL LINK

How to Win Friends & Influence People

2017-08-11T23:37:00.002+07:00

You can go after the job you want—and get it!

You can take the job you have—and improve it!

You can take any situation—and make it work for you!

Dale Carnegie’s rock-solid, time-tested advice has carried countless people up the ladder of success in their business and personal lives. One of the most groundbreaking and timeless bestsellers of all time, How to Win Friends & Influence People will teach you:

-Six ways to make people like you

-Twelve ways to win people to your way of thinking

-Nine ways to change people without arousing resentment

And much more! Achieve your maximum potential—a must-read for the twenty-first century with more than 15 million copies sold!