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The face you saw I can explain. And I actually do believe in paranormal activity, not necessarily how most people experience it but nonetheless I believe it a real phenomenon. I was trying to find a documentary on this subject, where researchers spent three years with two mediums. The experiences and stories told in this documentary blew me away. Too bad I can find it (yet), because I sure that after seeing this documentary you will be more at ease about what you experienced yourself. I post it as soon as I find it. fruta planta colombia quake There’s no evidence to suggest independent directors of superannuation funds lift profits or lead to better governance, Dr Michael Rafferty says. (AAP)So, the independent senators have sided with Labor and the Greens to put an end to what many believe was an ideologically driven anti union campaign by the Coalition Government.Of course, I am talking about the Government’s plans to force all superannuation funds to have one third of their directors be independent, including the chairman.At first glance, it sounds reasonable and it is less onerous than the demands made on publicly listed companies, which are expected to have a majority of independent directors.In fairness to the Government, one third independent directors was first proposed by the Labor appointed Cooper Review of the Superannuation System, and then endorsed by the Financial System Inquiry led by former Commonwealth Bank boss David Murray.Despite his big business background, Mr Murray proved himself to be anything but a Liberal Party stooge.The theory is that independent directors will bring better governance and therefore superannuation fund members’ money will be better protected.However the fly in the ointment is that there are now 23 years of real world experience suggesting that theory is a solution in search of a problem.Because for nearly all those 23 years, industry superannuation funds, with their equal representation model of employer and union directors, have outperformed the bank owned superannuation funds.If the Financial Services Council was serious, it would be asking its members why their customers get an inferior returns to those of industry super funds.According to the University of Sydney’s Dr Michael Rafferty, who has studied superannuation returns for the past 20 years, that outperformance is about 50 per cent.Dr Rafferty has also studied the impact of independent directors in the corporate sector and said there is no evidence to suggest they lift profits or lead to better governance.And when it comes to governance, as we have seen with scandal after scandal in the banks’ financial planning divisions, it is the banks where people should be most afraid of losing their money.Even after their scandals were exposed and they promised to put everything right, banks like Commonwealth and Macquarie are increasingly being seen to be making life difficult for the customers who suffered greatly because of their unscrupulous practices.That is not to say unions are perfect. Far from it, as the Royal Commission into Trade Unions is revealing about the behaviour of some union officials.But there has been no evidence of industry super fund members being fleeced of their money in the way bank customers have suffered.The Financial Service Council, which is a lobby group for bank funds, has responded to the Senate’s blocking of the superannuation governance overhaul by saying: “Every n deserves the best possible outcome in their superannuation.”Dead right.egg yolks and the bodybuilder
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