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How to change your last name
If you're in the market for a new surname you are not alone. Around 200,000 Britons will make the switch to a new last name during 2017. Most will change names from marriage, but divorce, separation and deed poll name changes have been on a steady increase over the last decade. Anyone changing names will need an acceptable document that proves their new name and then they need to get all their records updated.
No matter what your reason for changing names, the process to update your identification, memberships and accounts is the same for everyone. It's best to set aside time to get everything changed at once. Dragging out a name change over weeks, months or even years can be very frustrating and inconvenient, especially if you plan to travel or need to prove your identity. The research and administration to notify organisations of your new name usually takes around 6 hours, or 20 minutes per record. (cont...)
Start by making a list of all the places where you'll need to change names. This should include your photo ID, such as passport and licences, government departments, such as HM Revenue and customs, financial records, insurance policies, utilities, communications providers, investments, company records and loyalty programs. There are also many places where you need to update your name but are seldom thought of, such as your TV license, voicemail, business cards, social networking sites and professional associations.
Once you know who you need to notify, the next step is working out how to tell them. Companies will usually follow one of several name change procedures, which may include sending in a letter or fax, completing a special form, visiting a branch in person, making the change online or updating your details over the phone. The only way to know for sure is to either purchase a personalised name change notification kit from Easy Name Change, or to call each company one by one and ask yourself.
Personalized name change kits are relatively new. The best ones available don't require you to make any list – you simply visit a website and select who you need to notify. The name change paperwork and procedures provided will be matched to your reason for changing names. Name change kits automatically create the necessary paperwork for each company you need to notify. You should only need to follow the company specific instructions provided, sign and send. If you only need to change names with 4 or 5 companies, you don't need a name change kit and can save money by doing the research yourself.
Before you can request companies to update your name or send out name change request paperwork you will need an acceptable document that proves your right to be known by your new surname. If you want to take your partner's name you only need your marriage certificate or civil partnership certificate. You can obtain this from the Births, Deaths and Marriages office in the borough where your event took place. This certificate is accepted by all private and government organisations and allows you to take your husband r partner's name either in addition to your own, or as a replacement to your current surname. If you want to revert to the name you held before marriage, you may either present your certificate of divorce, or government documents that link your names, such as birth and marriage certificates.
Changing name by deed poll?
Deed poll is a way to change your legal name to any name of your choice. You can change your name for any reason and can make as many or as few changes as you like. If you have recently been married or divorced and want to change more than just your surname, or take a surname other than yours or your partner's, you'll need a deed poll. Once you have a deed poll, you should follow the same notification process as outlined earlier, however you must change your name immediately upon receiving your deed poll document. As a deed poll is an intention to change names for all purposes, it is illegal to use your former name once your deed poll has been issued. Most government departments require your records to be updated within 2 weeks of your name change. Easy Name Change notification kits are ideal for anyone planning to change their name by deed poll as it helps ensure all your records are changed at the same time and can be done quickly as possible.
Considering Changing Names?
- Passport
- Driver license
- Voter registration
- HMRC and more!
- Banks & credit cards
- Health, home, car insurances
- Loyalty programs
- Utilities and more!


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drill it, grind it, mill it, turn it . . .
. . . you still have to measure it.
drill it, grind it, mill it, turn it . . .
. . . you still have to measure it.
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Just Say No To Wallpaper
One of the things that can turn off buyer's, stop a sale or detract from a properties resale value is Wallpaper. Why don't buyer's like wallpaper?? First, it is usually a real pain to take down. Secondly, it is very taste specific. There is obviously no "standard" or "popular type" of wallpaper, because there seems to be endless supply and I have never seen the exact same wallpaper, twice. Meaning, the odds of being hit by lightning are probably greater than 2 people liking the same paper.
If you plan to stay in your home a while and you want some wallpaper in your house, well, it is your house. But, please, go sparingly. Avoid busy, colorful and loud types. And, please don't forget to "size" the wall before you apply it, or you won't get it off without destroying the wall surface underneath.
Tip for HomeSeller's: But, if you are trying to sell your home, without success, and it has a lot of wallpaper or busy, dated wallpaper, you can do yourself a big favor by pulling it down and applying a fresh coat of neutral paint. A crisp, freshly painted room never turns off buyers.
The same can never be said about wallpaper. Thank you for visiting InfoTube.net FREE homes for sale and rent website. We have been helping seller's and buyer's connect since 1988. We can help you, too.


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Fowl Fun Run – November RacePosted: December 31, 2015 Filed under: Races, Recaps, Running | Tags: 5k, goals, MT, race, recap, run, running 2 Comments
November 14, 2015 at the Skagit Valley Fowl Fun Run I ran another 5k PR : 34:24 – almost a full minute faster than the previous PR.
I was running on very little sleep after receiving devastating news the night before, and in crappy weather, but somehow I just zoned out and maintained an average pace just under 11mins. This was HUGE for me.
I spent the first mile just keeping my head down and trying to keep the rain out of my eyes. Once I settled into my pace and the crowd thinned a bit, I stayed on the heels of a woman who had knee high pink leopard print socks on. And next thing I knew, the race was over. She kicked into high gear at the last 50 meters or so and I couldn't keep up with her, but following close to her the whole race gave me something to focus on.
MT, of course, ran as well but did the 10k. She also achieved an impressive PR and we both left in high spirits. Being my forever cheerleader, MT has served as continuous running (and life) inspiration to me over the years and I am immensely grateful for her friendship and encouragement. This day was particularly difficult for me to get through, and I was extra thankful to have her by my side and to have something to celebrate.
We didn't take a picture after the race, or at least I don't have one – so instead, here are two other pics of MT and I.
Here we are in 2013 before the Whidbey Island half marathon. This was my first half marathon which was quite the challenge. I don't think I would have had the courage to do it without her. The weather was awful, but the day remains as an all-time favorite memory.
This one is a bit more recent. We went to the pumpkin patch together in October and couldn't help but snap this selfie.
2 Comments on "Fowl Fun Run – November Race"
[…] November brought my yearly mileage total to 347.9. As soon as it was clear my goal of 365 was a goner, I set the new goal of making it to 400 miles! My race total came to 14 with the Fowl Fun Run. […]


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Kids Culture 06.07.18
Dragonfly Day at CMEE
Children can celebrate the importance of dragonflies, and learn about recent legislation to protect them, on Saturday at the Children's Museum of the East End. The day begins at 10 a.m. with a craft-making workshop, followed by a guided walk at the South Fork Natural History Museum from noon to 2 p.m. The event is free and open to kids of all ages.
Make a Doll in Amagansett
Using recycled items, including a wire hanger and fabric, children ages 6 to 12 can learn the art of doll-making on Saturday from 3 to 4 p.m. at the Amagansett Library.
Drawing and Night Life at SoFo
Beginning Saturday at 11 a.m. at the South Fork Natural History Museum, and continuing for the following two Saturdays, children ages 6 to 12 can learn about nature drawing.
On Saturday at 3 p.m., children ages 8 and older can learn about the other night life of the Hamptons: scarab beetles, tiger moths, sphinx moths, ichneumon wasps, and leaf hoppers, and thousands of other insects that are active at night.
On Sunday at 10:30 a.m., kids ages 6 and up can explore the ecosystem that lives under a fallen log in the woods.
Something for All Ages in East Hampton
Beginning Monday from 5 to 7 p.m., a virtual reality program at the East Hampton Library will be held for high schoolers. It will continue every other Monday.
Toddlers from 18 to 36 months can participate in Jump Bunch, a fun, uncompetitive soccer class from 10:30 to 11:15 a.m. on Tuesday. At 4 p.m. that day, children ages 4 and up can learn about the history and art of Zen gardening, and even create a tranquil garden to take home. Then from 4 to 5, high school students can design a D.I.Y. project for the Young Adult room; it will count toward community service hours.
On Wednesday from 4 to 5 p.m., kids ages 4 and up can listen to a Father's Day story and make a craft for their dads.
Regents Reprieve Week in Bridgehampton
The Hampton Library in Bridgehampton will help kids take a break from Regents exams with the following events, all scheduled between 2 and 4 p.m. On Tuesday there will be board games and pizza, Wednesday will be a Battle of the Books meeting at 3 p.m., and next Thursday, it's Wii games and snacks. On Friday, June 15, kids can experiment with 3-D pens and enjoy some sweets, while on Monday, June 18, they can practice green-screen techniques. Finally, on Tuesday, June 19, everyone's invited to an ice cream party and karaoke.
Movie Time in Montauk
Families with kids of all ages can enjoy Saturday afternoon at the movies at the Montauk Library with a screening of "A Wrinkle in Time," rated PG, at 2 p.m. Popcorn and refreshments will be served.
Feeding the Farm
The Green School of Sagaponack will hold a spring farm-feeding event on Saturday from 10 a.m. to noon open to families with children of all ages. Admission is $45 per child, which includes a feeding basket for the animals and a pony ride. There is a $15 charge per adult. Registration is required and can be done by calling 631-237-1148 with a credit card to reserve a spot. Directions to the location will be given upon registration. The rain date is Sunday.


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A Street Kings UK training kit is a topic that we have discussed many times within the team and debated whether it is necessary or fair to request that our players wear our colours.
Recently we came to a decision that is preferred that players train in Street Kings UK Clothing BUT we do not believe parents should have to dip their hands in their pockets yet again, we do not feel this is fair as your support is already fully appreciated.
We bounced some ideas about on how we could get the players to start wearing the training kit at no extra cost to the parents.
We have decided that signing up for 8 weeks at the King of Tekkers Academy (£40) will be rewarded with a FREE T-shirt.
We are keen to see a commitment from our players and believe that loyalty should be recognised. Most parents received a flyer containing details of our exclusive offer this week at training and I am sure you will of noticed our other merchandise that is available, these garments and accessories are entirely optional and parents are under no obligation to purchase hoodies, snap-backs, beanies or training jackets.
Street Kings UK would like to see our players attending sessions in a Street Kings UK T-shirt, with black shorts and white socks – we believe this will make the academy reflect the standards that we are striving to achieve. We want our players to feel part of a group and part of an organisation that values them as individuals. We want our players to be as proud of the academy as we are and work together to excel on and off the pitch. A training kit will hopefully inspire them to achieve.
"We feel strongly that parents shouldn't be expected to pay for additional kit or accessories and hope that you can support us by offering an 8 week commitment." – Rob Scott, founder of Street Kings UK
We see you and your child as part of the Street Kings team and we hope we can move forward together, looking smart and training to become the best we can be.
Any thoughts, questions or feedback is always welcome and you can reach Rob by contacting – firstname.lastname@example.com
We look forward to next week and some more great tekkers.


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ABS Speeds Truss Spar Projects to GOM
ABS-classed as a XA1 Floating Offshore Installation, the Medusa truss spar will be located on Mississippi Canyon Block 582 in 2,223 ft. of water. Murphy Oil's Medusa truss spar has a hull diameter of 94 ft. (28.6 m) and a total length of 568 ft.
John Crane Bulletin Describes New Compact Package Seals
A new bulletin from John Crane-Houdaille, Inc., Morton Grove, 111., explains the benefits of upgrading sealing with compact Type 88 and Type 88S package seals. The publication provides sizing information and diagrams illustrating both Type 88 double or
Canadian Firms Order Two Semisubmersibles In $300-Million Order
Two semisubmersible offshore mobile drilling units worth about $150 million (Canadian) each have been ordered jointly by two Canadian companies. Bow Valley Industries and Husky Oil Operations announced recently that the rigs had been ordered from Canadian and Norwegian yards.
N e w Book Accounts Histories of 500 Ships Built By Newport News
A new hardcover book, "Always Good Ships," takes a retrospective look at Newport News Shipbuilding, listing and describing the colorful histories of more than 500 ships built by the famous Virginia shipyard during its first century of operation.
China Shipbuilding Gets Order To Build Jackup Rig For Santa Fe
Santa Fe International Corporation recently announced that it has awarded shipyard contracts f o r the construction of a jackup drilling unit and the conversion of two construction barges into drilling vessels. The new jackup, Santa Fe Rig 134,
Navy's New Double-Deck Pier To Be Fitted With Sea Guard Fenders
A new double-deck pier has been designed to meet the changing needs of U.S. Navy ships, and Navy engineers believe it could become the prototype for worldwide Navy facilities. Known as Pier Zulu, the facility will be built at the U.S. Naval Station in Charleston, S.
Latest Rig Order From Santa Fe Drilling Brings Total To $442 Million
Santa Fe Drilling Company has ordered a second $80-million allweather, semisubmersible drilling unit, bringing to $442 million the value of new drilling equipment on order. E.L. Shannon Jr., chairman of the parent Santa Fe International Corporation,


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Introducing the Vox Populi Logo
All good projects need some sort of initial branding to help provide a foundation. The Vox Populi "The Voice of the People" project is a graphic design and photography concept revolving around the idea of subversive imagery. Inspired by propaganda posters throughout history, this project will photograph individuals and compose them into a new-style of design. These will be hard-hitting and brutal, but will not focus on any one group, country, political party, etc… they will be generic with an overall message of being against-all-authority and the reaction to a world gone mad. But, with some significant twists that will not be revealed just yet – if you know me, you know I have some sneaky-ass tricks up my sleeve.
The designs will be available as limited edition prints, stickers, t-shirts and more… thereby taking anarchist messages and mass-consumerizing them (I know right, capitalism just rocks). The project starts Spring 2018.


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So I've decided to do the Boulder Half Marathon.. I put together a training plan on Runner's World this morning, and it seemed too easy. Is that possible? Am I fooling myself? I am the queen of putting in too many miles and burning myself out (I hardly trained at all for the SLC Half Marathon I did a few years ago, finished in under 2 hours, and then proceeded to stay in bed for two days and not run for months afterwards). It's been a long, frustrating process getting back into running after taking a two-year hiatus, and I don't want to burn myself out and mess that up. I think training for 18 weeks is very practical. I'd like to finish with a decent time (around 2 hours), while not feeling like crap afterwards.
Wash Park was lonely and the trail was snow and ice-packed this afternoon, but running wasn't awful. It reminded me of being in the Tetons, doing crazy things (like hiking to the top of Mt. Glory at 5am) in the snow that I might never do again (but, then again, who knows?). Running in it is as crazy as it gets these days.
I decided to add a mile on to the normal loop, so I ventured into the adjacent neighborhood, relieved to run on dry, flat sidewalks. Losing focus on what I was doing, I started to think and worry about all the usual topics — work, finances, the future, whether I'll ever meet Mr. Scotchandpopcorn, etc., etc., and as I was lost in these thoughts, I tripped on a crack in the sidewalk and fell flat on my face.
Focus is the word of the day, folks.
I'm so glad I didn't get hurt (just skinned my knees and my hand, plus I'm feeling a little sore tonight). Last month I ended up in the emergency room and got a spider bite on my eyelid, so I'm all set with injuries, thanks!
After my run I went to Whole Foods and went on a vitamin spree. I'm a huge fan of Gaia Herbs, so I'm really excited about this . Their Stress Response is fantastic. As much as I am a hippie (on the inside), I'm always skeptical about the effectiveness of herbs and am usually pleasantly surprised when they work. Why is it still so easy to believe in Western medicine, even when when I know better, while remaining so skeptical about the alternative?
In other news, I feel like it's January already. Changes are afoot. It's a good feeling!


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By ZamChro Correspondent,
Chinese investors will keep Zambia's mining sector afloat despite the global economic downturn, the minister of mines and minerals development said in remarks published Tuesday by the state news agency Zambia News and Information Services, or Zanis.
Maxwell Mwale said Chinese companies continue to operate normally and have maintained their workforce despite massive layoffs at other copper mines in the country.
"The government is urging Glencore to reconsider its proposed course of action in that we have had a precedence set by Anglo American, which upon realizing it was making losses, surrendered its assets to the government," Mwale said.
"In this regard, the government would like to urge Glencore to surrender the assets of both Mufulira and Nkana to ensure continued mining operations and avert disruption to social economic life of our people in the country."
"(The) government cannot allow a situation where the current mine owners want only to manage the operations that are profit making and leave those that are not profit making under care and maintenance," Mwale said.
The global crunch has led to a decline in demand for metals, and forced several mining firms to scale down operations or to shut down their mines in Zambia, where copper mining is the country's economic lifeblood. Copper mines are a major employer in the country of 12 million people.
Mwale also called upon Zambians to stop demonizing Chinese investors, who are accused by unions of having poor labor policies.
Mwale added that Chinese investors were investing more money in Chambishi Copper Mine, which had been under care and maintenance for 14 years before they took it over.
The mine is being operated by Chinese-owned NFC Africa mining, a unit of China Nonferrous Metal Mining Group Co., Ltd. (8306.HK).
Copyrights © 2009 Zambian Chronicle. All rights reserved. Zambian Chronicle content may not be stored except for personal, non-commercial use. Republication and redissemination of Zambian Chronicle content is expressly prohibited without the prior written consent of Zambian Chronicle. Zambian Chronicle shall not be liable for any errors, omissions, interruptions or delays in connection with the Zambian Chronicle content or from any damages arising therefrom.
Zambian Chronicle is a wholly owned subsidiary of Microplus Holdings International, Inc.
Copyrights © 2009 Microplus Holdings Int., Inc.
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2019 PPI Deadline 4 Criticisms of PPI 5 Frequently Asked PPI Questions 5 Top PPI Mis-selling Reasons A PPI Scotland 'PPI Quiz'! Average PPI Claim Settlement Time Barclays and PPI Barclays Banks Best PPI Company in Scotland Can I Claim PPI Compensation Can I Still Buy PPI Can you claim PPI compensation? Changes to How PPI is Sold Cheapest PPI Company in Scotland Claim Back PPI in Scotland Claim Back PPI Scotland Claim for PPI Compensation Claim Management Company Claim Mis-sold PPI Claim PPI Claim PPI Compensation Claim PPI in 2016 Claim PPI in Scotland Claim PPI Scotland Claiming Claiming Back PPI Claiming PPI Claiming PPI – A Comprehensive Guide Claiming PPI – back to basics Claiming PPI Compensation Claiming PPI in Scotland Claims Management Company Common PPI Myths Common Questions About PPI Compensation for Mis-sold PPI Compensation Paid Confused About PPI? Co-Op Bank and PPI Cost of PPI Credit Card PPI Credit Cards and PPI Did PPI change anything? Do You Have a Claim for PPI Compensation? Do You Have a Valid PPI Compensation Claim?alid Do you Know How to Claim PPI Compensation? Do You Need PPI? Easy Guide to Claiming PPI Eligible PPI Claims Facebook Facts About PPI Facts About PPI Compensation Finan Financial Ombudsman and PPI Claims Financial Ombudsman Service FOS Frequently Asked Questions On Claiming PPI Compensation Guide to Claiming PPI Compensation Have You Kept to Your New Year Resolutions? How Big Is My PPI Claim? How Do I Find Out About PPI Scotland? How Much Can I Claim HOW to Claim PPI Compensation How to Claim PPI in Scotland How to make a PPI Compensation Claim How to Make Your Claim for Mis-sold PPI How were you mis-sold PPI? HUGE PPI Compensation Claims! Impartial PPI Claim Is PPI Compensation Disappearing Is there a 2018 PPI deadline? Is There a PPI Deadline? June 2019 PPI Deadline Key PPI Terms Explained Legal Challenge to PPI August Deadline Lloyds Lloyds Banking Group Main PPI Players Make that PPI claim! 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PPI Multiple Choice Quiz! PPI Myths PPI Myths and Facts PPI Myths in 2017 PPI Nuisance calls PPI on Catalogue Accounts PPI on Mortgages PPI Pa PPI Paperwork PPI Payments PPI Premiums PPI Problem PPI Queries PPI Questions PPI Questions and Answers PPI Questions Scotland PPI Reclaim PPI Rremiums Refunded PPI S PPI Saga PPI Sales PPI Scam Text Messages PPI Scams PPI Scandal PPI Scnadal PPI Scotland PPI Scotland PPI Scotland PPI Storm PPI Text Messages PPI Time Limits PPI Timeline PPI Windfall Problem with PPI Pros and Cons of PPI Questions About PPI Questions About PPI? Questions and Answers on PPI Quick PPI Questions and Answers Radio Advert Reasons Why People Don't Make a PPI Compensation Claim Reclaiming PPI Rejected PPI Claim Scottish PPI Claim Seeking PPI SOLD PPI Successful PPI Compensation Claim Test Your PPI Knowledge The Benefits of Using a Claim Management Company The Clock Ticking is for PPI Claims The Concept of PPI The End of PPI The FCA's PPI Deadline Campaign The Financial Ombudsman The Herald Scotland The Major Players in the PPI Saga The PPI Deadline The PPI Debacle The PPI Journey The PPI Quiz! The PPI Scandal The Problems of PPI The Problems with PPI The Product PPI The Top 5 PPI Questions Time and PPI Time and PPI Complaints Top 5 PPI Mis-selling Reasons Top 5 PPI Mis-selling Tactics Twitter Understanding PPI Were you tricked in to buying PPI? What Does 2015 Hold for PPI Claims? What is Happening With PPI? WHat is PPI? What PPI Compensation Deadline What Was the Problem with PPI? Why Claim PPI Compensation? Your PPI Questions Answered Your Questions on PPI
Payment protection insurance (PPI) had become the most talked
about financial product in the history of modern-day banking. If
you have PPI on loans, credit cards, store cards, car finance,
mortgages or any other financial product and think you may be
entitled to claim your money back, read on...
PPI was designed to protect repayments on loans or other credit
products. A sensible idea and product to buy, you may think.
The good bit…
Should you be unable to work for a variety of reasons, such as
redundancy or illness, having an insurance policy that will
continue to make repayments on your loan make financial sense.
After all, paying regularly and on time protects your credit
The not so good bit…
But, the issue with PPI as a product was that as insurance, it
represented poor value for money.The premiums were high for very
little cover. There were other issues too;
The other issue with PPI was the way in which it was sold. The
terms and conditions were also limited, offering that few people
Customers withpre-existing medical conditionswere not covered
and some medical conditions or illnesses were not covered. Mental
health issues that may have prevented you from working were not
covered and neither were spinal or back problems.
Another mis-selling issue was the way that some banks and
lenders simplyadded PPI to accounts without consent or permission.
This happened most frequently with credit cards.
PPI on loans and other similar products is optional but many
customers felt compelled to take out PPI, whilst others were told
it was a 'condition of sale'. Some customers said that they felt it
was hinted they were more likely to be accepted for the loan if
they bought the PPI policy.
If you have taken out a loan, credit card, store card, mortgage,
the likelihood is you were also sold PPI too.
Payment Protection Scotland is one of Scotland's leading PPI
claims management firms and we can help you claim your money back -
call us NOW before the August 2019 PPI deadline.
I've heard stories of people waiting months to for their PPI
compensation to be paid and how stressful they found the whole
And when they did get their money, it was a lot less than the
average of £2,750 that was promised on the text they received from
an official PPI claim company.
And then the company took a big slice of it too! I don't think
I'll bother claiming PPI compensation. It doesn't seem worth
There are many stories of people trying and failing to claim PPI
compensation. There are also stories of people being landed with an
unexpectedly large bill from the claim management company who
helped claim their money back.
We guarantee this won't happen with Payment Protection Scotland.
And this is why;
We always make sure that any advertising we do is correct and
truthful. The presence of PPI is, on its own, not enough to secure
compensation. This is why we always say we need to talk to you, and
asses you claim against various criteria that point to success. We
believe this is one of the reasons why we have such a success
Unlike some other claim management companies, we have always
been clear on what our free structure is. We charge a flat fee
meaning that if your claim for PPI compensation turns out to be
complex, you won't have a bigger bill.
We change our fees from time to time, so call our expert team
today to ask about our current fee and how to pay it.
No win, no fee means exactly that: if we don't win your case,
you don't have to pay us for our time nor resources.
There is no need to make payments on account nor pay us any
money up front. We take on the financial risk of your case so you
don't have to. You only pay when your claim for PPI compensation is
It sounds scary 'rigorous assessment' but what we mean is this -
our expert staff will talk you through a series of questions. By
answering these to the best of your ability, we can be clear about
not only whether you have a claim, but how much PPI compensation
you could be entitled to.
We have all the information that you need! Browse through our
list of what to do (and what to avoid) in order to claim your money
Banks and lenders have been told by the banking regulator to
make claiming PPI as easy and as simple as possible. This means
making PPI compensation claim forms and information on how to make
a claim readily available.
Most banks and lenders have these on their website. In most
cases, you don't need to phone them and with some lenders, you can
log your claim online too.
The internet is a wonderful place BUT, it can be full of
misinformation and wrong turns. This is why if you are unsure of
any aspect of advice or help, you turn to the right people.
Claim management companies are, in the main, professional,
expert and reputable companies who specialise in all kinds of
compensation claims. Choose one that has a long and successful
track record with PPI claims, like PPI Scotland.
If you think you have been mis-sold PPI, don't let the bank get
away with it! Make your claim. You could be entitled to thousands
of pounds in premiums, interests and any costs or fees incurred on
your account as a result of PPI being added to it. And with the
deadline only months away, you need to start your claim now.
Banks and lenders knew that PPI was not a policy that was
suitable for the large majority of customers to whom they sold it.
For example, banks knew when people were self-employed but this
didn't stop them selling a policy that was not really suitable for
self-employed people.
Many people assume that because they agreed to PPI, they don't
really have a claim. The point is, that many banks and lenders
didn't give you the full facts about the policy and so what you
agreed to, is not the policy that you were paying for.
For example, if you knew that the policy did not cover your
existing medical condition, would you have still bought it? The
likely answer is no, as the one thing that could stop you from
working and therefore making repayments on your loan, would not
have been covered by the policy.
We have a long, successful history of helping people claim their
money back. From a few hundred pounds to thousands of pounds, there
is probably PPI compensation with your name on it!
With less than 12 months to the PPI deadline August 2019, the
most recent report from Which? regarding how banks are handling PPI
complaints make for sobering reading. But what does it mean for
your PPI claim?
Which? is a well-established and long respected consumer
organisation. They work with consumers and brands to bring about
better product and services. PPI is just one financial product they
have become involved in.
Although customers are being encouraged to lodge complaints
regarding PPI if they find they have a policy, it seems that the
banks are not always playing fair.
Among the complaints about the claim process that Which? came
across were 12-page questionnaires as part of the claiming process
with very little time to complete it.
The Which? report found that;
But it wasn't all bad news. 64% of people who were customers
atHSBCwho had made a claim for PPI compensation said the found the
claim process straightforward. And the majority of Barclays
customers, just over half at 56%, were also happy with the claim
Of those customers who had made a successful claim, the average
claim was around £1,500.
It is important to understand that claiming PPI compensation
places you in a win-win situation.
There were millions of policies sold to millions of customers
with financial experts believing that the majority of policies were
And that means you could be owed thousands.
This means that if your claim is unsuccessful, we won't charge
you a penny. We make sure that every claim we take on has a high
chance of success so you are guaranteed a great service from the
Payment Protection Scotland team.
But the PPI deadline clock is ticking - start your claim
Have questions regarding claiming PPI compensation before the
deadline, 29th August 2019? You've come to the right
Yes, you can! There is nothing stopping you from claiming PPI
compensation, including whether you are in debt or not. In fact,
the high cost of PPI could well be one of the reasons why your
repayments were as high as they were.
If you have an IVA or are facing sequestration, there are
certain things that have to happen. To find out more, contact our
team who can talk you through how PPI will affect your IVA and
financial circumstances.
Yes, you can! PPI was mis-sold to millions of customers. There
are many reasons why PPI was mis-sold but one was that it was a
policy that covered people aged 18 to 65 BUT, banks still sold PPI
to people who were over the age of 65.
If you were aged under 18 or over 65 when the policy was sold to
you, you do have a claim for PPI compensation. Contact our team
Yes, you can! Many people assume that because they don't have
the original paperwork for the loan, credit card, etc. that they
cannot make a claim for PPI compensation. This is not the case. For
a start, banks and lenders do have a digital record of who borrowed
money from them and this data includes whether they had PPI or
Our team can find out on your behalf if you had PPI on your
loan, credit card, catalogue accounts and so on. Give us a
Yes, you can! People assume that there is a deadline or limit
about how far back you can claim compensation for mis-sold PPI but
we urge anyone who has had a loan or credit card etc., to contact
us to find out more about making a claim.
It is your money! Give our team a call to see how we can
No, you can't. The Financial Conduct Authority has set the date
by which PPI compensation claims must be made. If you want to make
a claim for mis-sold PPI, you must do so by midnight on
29th August 2019.
You don't have long to claim YOUR money back. Give our team a
call today and you could be enjoying a welcome windfall within two
to three months!
Payment protection insurance - commonly known as PPI - is a
financial product that will be forever known as the biggest
mis-selling scandal ever to have rocked the British financial
Within the UK, 24 financial firms are responsible for 96% of the
claims with a variety of banks finding they have had to add
considerable amounts of money to their PPI compensation pots - the
Royal Bank of Scotland, for example, has added a reported
£450million, while Barclays has added even more to its PPI
compensation fund.
And why are banks adding funds to their compensation pots?
Because customers are exercising their rights and asking for their
money back - and you could be next in line to claim your money back
with our help.
It is a phrase linked with PPI but what does it actually
PPI was mis-sold for a variety of reasons but essentially, it
means that it is not suitable for many people.
Customers who, for example, were;
and were sold PPIwould not have been able to make a claimunder
the terms and conditions of the PPI policy as they were not
And some of these terms and conditions also present many
mis-selling issues - significant exclusions, such as pre-existing
medical conditions were not fully explained to customers. Thus,
when some customers thought they were covered, they were not.
PPI was mis-sold on a large number of products to thousands of
customers. If you have had a loan, credit card, mortgage, car
finance, catalogue account with any company - or any combination of
any of these products - contact Payment Protection Scotland.
You need to;
As a claims management company specialising in PPI compensation
claims, we have helped thousands of customers to successfully
exercise their consumer rights - and claim their money back.
We charge a fee for our service but offer our expertise on a no
win, no fee basis. Interested? Call us!
Since 2011, there have been a large number of articles in the
media highlighting the mis-selling of payment protection insurance
or PPI on loans, store cards, credit cards and mortgages.
We were all being encouraged to look at our credit agreements to
see if PPI was part of the contract.
Nearly seven years to the date the first few PPI claims were
made, around 40% of people entitled to make a claim for PPI
compensation have done so.
That leaves 60% of customers with a claim yet to make one - are
you one of them?
Looking at your credit agreement paperwork, you may find in
difficult to see if you have been or are paying payment protection
insurance because different lenders have different names for
payment protection insurance.
Some store or credit cards, for example, called their PPI
products 'card care'. Repayment protection insurance was also an
oft-used name for payment protection insurance.
Mortgage lenders also had a variety of names for these
On looking at your credit agreement documentation, if you see a
payment for repayment protection insurance you may have a form of
PPI on the account.
The basic idea behind payment protection insurance was that in
the event you were unable to keep up repayments on your loan or
credit card due to illness and not being able to work and so on,
the PPI policy should kick in, and make the repayments for you.
But not all customers needed PPI. For example, some customers
already had payment protection insurance policies in place, and
didn't need another policy.
Some PPI policies were also limited in the cover, whilst others
had a waiting time of three months or more before a claim could be
made. All these limitations and instances of 'no cover' in the
terms and conditions of PPI were not made obvious to the
In some cases, some people were not asked or made aware that
they had this type of payment protection insurance on their
This mass mis-selling of payment protection insurance to
customers across the UK now mean that customers are now claiming
back money owed to them 'en masse'. Banks and other financial
institutions have put aside an estimated billions of pounds to
cover PPI compensation claims.
How we Help
We make sure that you have a claim for mis-sold PPI. We will
then take your case forward, getting back all of your money. Why
not talk to our expert team today?
Payment protection insurance (PPI) and the saga around its
mis-selling has held the British banking industry in its vice like
grip since the mid-1990s when concerns about the product were first
Compensation started to be paid at the very beginning of 2011
and continues to this day. But the days are numbered, with the
Financial Conduct Authority consulting on a PPI June 2019
This means that if you haven't yet made a claim for PPI
compensation, and you don't before June 2019, it will be too late.
And this means you could be waving goodbye to thousands of pounds -
YOUR money.
To make a claim for PPI compensation, you need to do the
PPI was added to all kinds of accounts that offered credit.
Check accounts such as credit cards, car finance, mortgages, loans
(personal and secured against property), store cards and some
catalogue accounts also had PPI added to them.
You may find PPI as a separate policy or it may be included in
the small print of the paperwork used to open your account.
Once you have located it, you have the evidence you need to
approach the lender and ask for compensation.
PPI compensation claims have to follow the law as laid down in
the Consumer Credit Act. And that means, as the customer, you need
to tell the bank, lender or loan provider you were mis-sold PPI and
the reasons why.
It may be, for example, you were unaware you had PPI and
therefore, this constitutes mis-selling.
Or, you may have been led to believe that it was the right
product for you and yet, you were unaware that your current medical
condition or age disqualified you from making a claim.
Or, you may have felt at the time, that PPI and the loan you
were applying for, for example, came as a package. Some people also
felt that if they didn't take out PPI, they were less likely to
secure the loan they needed.
They should respond within eight weeks of receiving your letter.
In straightforward claims, you can receive your PPI compensation
within 12 weeks.
For more complex cases, it can take longer and it may also mean
that if the bank or lender refuse your claim for PPI compensation,
you can refer the matter to the Financial Ombudsman.
Or, you can ask Payment Protection Scotland, a leading, expert
claim management company dealing exclusively with PPI compensation
claims, to act on your behalf. Why not call us for a no obligation
Payment protection insurance (PPI) had become the most talked
about financial product in the history of modern-day banking.
If you have PPI on loans, credit cards, store cards, car
finance, mortgages or any other financial product and think you may
be entitled to claim your money back, read on...
PPI was designed to protect the repayments on loans or other
credit products. A sensible idea and product to buy, you may
But, the issue with PPI as a product was that as insurance, it
represented poor value for money.The premiums were high for very
little cover.
And, the pay-out rate on claims that were successful was as low
at 15%. Compare that to successful claims on car insurance at a
pay-out rate of 85% and you can see what the problem is.
PPI also added significant debt to the loan, making the
affordability of loans, credit cards etc. difficult. PPI premiums
on credit cards added a large amount to the outstanding debt.
Premiums were calculated as a percentage of the amount outstanding
on the account each month, so the bigger your credit card balance,
the bigger the PPI premium.
Customers with pre-existing medical conditions were not covered
and some medical conditions or illnesses were not covered. Mental
health issues that may have prevented you from working were not
covered and neither were spinal or back problems.
Another mis-selling issue was the way that some banks and
lenders simply added PPI to accounts without consent or permission.
This happened most frequently with credit cards.
Payment Protection Scotland is one of Scotland's leading PPI
claims management firms and we can help you claim your money back -
call us NOW!
I've heard some real horror stories of people waiting months to
for their PPI compensation to be paid and how stressful they found
the whole process.
We guarantee this won't happen with PPI Scotland. And this is
We always make sure that any advertising we do is correct and
truthful. The presence of PPI is, on its own, not enough to secure
compensation. This is why we always say we need to talk to you, and
asses you claim against various criteria that point to success. We
believe this is one of the reasons why we have a 93%+ success
We change our fee from time to time, so call our expert team
today to ask about our current fee and how to pay it.


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TeliaSonera on Tuesday said it has experienced a slow start to the year, in line with expectations, but its Q1 numbers showed some growth at its challenged Eurasian business.
The Nordic operator reported group sales of 26 billion kronor (€2.8 billion) in the three months to the end of March, an increase of 1…
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When you are about to start a sales call, do you prepare enough to make sure your sales call will kick ass? How much time do you invest in learning the latest cold-calling tips?
Ever wonder if cold calling is dead?
Entering a sales call not fully prepared is something that happens to the best of us. There is so much that we need to do, especially when our day is fully booked with back to back sales calls.
You might think you will make up for the lack of preparation when you follow up with your prospect. But do you realize how much a well-prepared sales call can help you win a sale faster?
This gets to the heart of why solid preparation for your sales calls is so important. Because when you're unprepared for cold calling, you don't just hurt your opportunities to close the deal in that moment, you hurt them with that prospect forever.
We realize that deals aren't closed in one call and that is what makes preparing your sales calls and following up with your prospects even more important to win the deal faster. We have outlined 7 cold-calling tips that will help you to prepare a kick ass sales call to win deals.
Use These Cold-Calling Tips to Kick Ass on Your Next Sales Call!
1. Be very clear and concise about who you are
Introduce yourself and your company and explain in a clear and concise way what you and your company do, what your value proposition is, and how the person and the company you are speaking to can benefit from it.
Trying to mislead the person on the other end of the line certainly won't help you develop the trust you need to close the deal. Be honest, upfront, and focus on making a connection with the person you're talking to.
2. Explain the purpose of your call
The reason for your call is to help your prospects become successful with your product or service. Explain what you want to achieve right now. Is it to have a short chat to understand the business challenges your prospect faces or are you further in the sales cycle and you want to give the prospect a demo?
Focus on how your product or service can help your prospect overcome their challenge. Your purpose should be very customer-focused and they should know that from the get-go. According to Anthony Iannarino, you need to make sure your client receives the value; it's not just an opportunity to talk about yourself and your company to no end.
3. Have relevant questions prepared
Have questions ready that will help you uncover the underlying needs and challenges of your prospect. It's one of the most fundamental sales tactics out there.
Here's an example: The prospect says they are not closing enough deals; this is a clear challenge, but to help your prospect you need to uncover what the reasons are for their low close rates. It can be due to suboptimal sales material, calling prospects at the wrong time, not measuring sales performance in an optimal way, and many other reasons that you can leverage to close the deal. Ask a lot of questions that give you more insight into the challenge the prospect is facing.
4. Position yourself as an expert
Objective advice is valued strongly by your prospects. Be honest about the fit between your offering and the need of your prospect. If it is not a good fit now, guide your prospect to another solution that could help them immediately. When you do this your prospects will not see you as a salesperson anymore, but they will see you as a trustworthy advisor.
It's important to work on developing this reputation because, even if you change companies or sell other products, your prospects will still buy from you because they know you will put their interests first.
Make sure you are prepared with useful suggestions for the prospect. This requires you to be smart about your own company, and your industry as a whole. Do research on auxiliary products or services to your company that prospects might need. This trust and expertise will cause prospects to come running into your arms when they have an issue.
5. Listen more, talk less
Listening is one of the most essential sales skills you can have.
Especially when you have not yet established yourself as an authority and when you are not fully aware of the needs and pain points of your prospect, you need to listen and try to uncover their real needs by asking the right questions.
The information you gather from attentive listening will enable you to really help your prospect. Successful salespeople listen 80% of the time and talk only 20% of the time. When you are a good listener you will also better understand the needs, challenges, or problems your prospect faces.
6. Always ask for referrals
It might be that the prospect you're speaking to is not the best fit for your offering. In that case successful salespeople always ask for referrals; even if that prospect doesn't need your services right now, they might know someone who does and can refer them to you.
This is an easy way to grow your network of potential prospects, but very few salespeople do it. Although 91% of customers say they'd give referrals, only 11% of salespeople ask for them. It's a shame to let all of that potential business go to waste!
When you receive a call from someone who has been referred, they aren't a stranger. Even though it's still a cold call, you have something in common with the person who referred you. This will relieve the tension of cold calling and allow you to focus more on creating value and closing the deal.
7. Measure your performance
You don't need sophisticated data and analytics to measure your performance after every call, but you do need a system for tracking basic information. This will help you to develop a process that works best for you.
In order to achieve this you should know what impact each action you take during your sales calls has on your close rate. No list of cold-calling tips is complete without some metrics to help you achieve this. These are some key questions you should ask yourself regularly:
How many times do you interact with prospects in one week?
Which times of interaction work best for you?
Which sales collateral helps you to best accelerate your sales?
Does sending over a follow up email with sales collateral immediately after the sales call work better than sending it later?
(Read this post if you want to learn more about sales KPI and how to measure it.)
In order to kick ass at sales calls, you really need to show your prospects you understand their pain, their needs, and their challenges. Use the cold-calling tips in this article to show your prospects you care about them. This is what will help you to win the prospects' trust and the deal.
Keep reading this blog to learn all the secrets of master salespeople.


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THIS is the Gus I wanted to see during Psych: The Musical! The man has such a smooth voice, and I wish we had gotten to hear more of it in the musical.
The times are a-changin! The chief returns just long enough to ask Juliet to go to San Francisco with her to be her lead detective there, while Lassie is fighting to be a contender in the race for chief of police in Santa Barbara. Juliet hesitates at the chief's offer, knowing if Lassiter gets to be chief, he'll appoint her lead detective to replace him. She doesn't necessarily want to move, but she doesn't seem opposed to the idea.
Lassie meets with the mayor, and after a brief conversation, he decides that the best way to win the mayor over is by solving a cold case from years back involving the mayor's uncle, who was a reporter back in '67 when he died, apparently of suicide.
Lassie drags O'Hara, Shawn, Gus, Henry, and even Woody into the investigation, and though they're a little skeptical of whether they'll turn anything up, they are all game.
The episode then plays out with a sort of flashback, only with the regular cast taking on the roles of the characters from back in 1967, with Lassie playing the uncle, Archie Baxter, Gus playing a smooth-voiced musician, Shawn playing a mobster with a terrible accent, Henry playing the coroner who examined Baxter's body, Juliet playing the mobster's girlfriend with her own agenda, and… you get it. It was a lot of fun.
Lassie does solve the case, and gets promoted to chief of police, but he doesn't have as much clout as he expected, and Juliet is set to be transferred. However, he doesn't know that she got the offer from the chief, so now she has a reason to leave.
Though Shawn and Juliet want to make it work, her leaving in the middle of the night, or early morning, does not necessarily bode well. It's the final season, so we knew some shake-ups were bound to happen, but I hope they don't split Shawn and Jules up! Again! I think Gus and Shawn would do well in San Francisco. He may not be able to continue the psychic detective gig with the police, but I don't think there would be a shortage of business in a big city like that.
The Americans
WOW, back with a vengeange. Philip and Elizabeth don't know whom to trust, and when a couple of their colleagues are murdered–slaughtered, really–in broad daylight with their children so nearby, they panic.
Elizabeth has been away, taking care of a sick relative, or so she and Philip have been telling the kids, but she's back, for good, and it looks like she and her husband are going to stick it out together.
Paige, meanwhile, is still going through her parents' things, convinced there's something they're not telling her. She rifles through her mother's suitcase looking for something–anything, really–lying to her brother that she wants to do her mom's laundry as a surprise.
She even goes to check that her parents came home after their date, opening the closed bedroom door late at night, but she is the one who gets the surprise. Nothing more sinister than a married couple doing what married couples do. Who knew they still 69'd in the 80s? I wasn't shocked that she managed to catch them in the act, so to speak, but more that they were in that particular position.
However, the interesting thing isn't the sexual position. It's how Philip and Elizabeth discuss their daughter's interruption the following morning. They chastize her for entering their room unannounced, mentioning trust and privacy as being of utmost importance, and send her to school. But then, Philip says:
Do you think that's the first time she's checked on us?
And Elizabeth shoots him a look of fear mixed with surprise. She would hope not, but it looks like they both know they'll have to keep a closer watch on their daughter and her burgeoning curiosity.
Stan is still getting the runaround from his Russian girlfriend. While she was mostly feeding him good intel last season, it looks like her loyalties have shifted and she wants to be a good girl for her country.
While she didn't appear in this episode, Granny is back next week, and the news she bears does not look very pleasant as far as Elizabeth and Philip are concerned.
Scarlett is getting in over her head with Liam–who saw that one coming? Everyone? Right.–while Rayna and the family have to deal with Lamar's death. The girls are upset, it looks like Teddy did decide to let Lamar die on his carpet, Tandy is upset, but not excessively so, and Rayna is eerily calm, until she isn't. She makes the arrangements, and then loses her cool and starts smashing things. We knew it was complicated with her and her father, but I think Rayna's gonna need some time on this one. She may have disowned him, but he was her father.
Avery is having fun with the little band he, Deacon, Zoe and Gunnar have put together, and they're thinking of making it a regular thing. I smell trouble, but it's hard to say where it will come from. Being a couple in a band is usually a recipe for disaster, but there could also be creative control issues with any of the three guys.
Juliette is trying to remake her image, but her new Hollywood friends seem a little too eager to yank her out of country music, and while her music isn't that country to begin with, Nashville is home, and she doesn't want to give it up so easily over some bad press that got blown out of proportion.
Grey's Anatomy
Yay! April chose Avery! She seems to have some reservations more than once, but it looks like she's made up her mind. We don't see hide nor hair of Matthew, but Stephanie is visibly upset. Then Murphy puts it in her head that she can do something about it, and so she does.
We know that attendings sleeping with residents and interns has been a problem at this hospital since the beginning–Derek and Meredith slept together in the pilot, after all–but I guess we've just gotten used to it. There's been a lot of heartbreak, and a lot of problems both in the administration and the operation of the hospital, but everything always seemed to have worked out. In the end.
Callie and Arizona are still trying to fix things. So they buy a house. A murder house. That is about it on their end.
Ross is in deep trouble for his overzealous attempt to do surgery after too many hours on the job, but the medical review board saw fit to allow him to return to work after a short time off. Owen, however, lets him know he's in the dog house.
Alex has gone off the handle again, first at Jo rejecting his proposal, and then at Ross when he tries to apologize. His dad is still in the hospital, dying, and the family he had wants nothing more to do with him. Karev was due for a meltdown, and Ross was the nearest trigger/punching bag, but I always worry for him. He's gotten through a lot to get where he is, and I'd hate to see him lose his license to practice over a fistfight (ahem, one-sided beating) with an intern.
It looks like Mer and Cristina are back on good terms–at least that's something gone right–but Meredith is still upset at Derek for taking a call from the President. POTUS wants him to head up this project, but he has to be vetted, and Derek has a secret even Meredith doesn't know. He became a neurosurgeon because he played hockey in high school, and put a boy in a state that he could only communicate through blinking. It would have been all right, only Derek's been sending the family money for years, and the vetters want to know why.
I don't see why something like that should keep him from participating in the project, but politics being what they are, a hint of a scandal can be death to someone's career.
Avery and April have a secret, but with the new no-tolerance policy on no interoffice relationships between superiors and subordinates, it looks like it will out before long. **Spoiler: They got married!**
Oh, dear: where to begin?
Liv is running Fitz's campaign, and Sally decides that she's still going to run as an independent, but that she will remain as VP until the election. Liv is all ready to fire things out at her, but when Sally announces she won't resign just yet, Liv has to recalculate to get the public opinion back on the President's side.
It turns out the person that Harrison's been trying to keep out of the states is an ex, and wonder of wonders, it's Nora, Barney's ex from HIMYM! Instead of killing her with Abby's gun as he intended, they jump each other's bones. I have a bad feeling about this.
Since Jake, new command in place of Liv's father, isn't sold on Quinn, Charlie is giving her some freelance work, helping him on his jobs.
James is trying to find out what's going on at the White House, the Press Secretary engaging in conspiracy against the Chief of Staff, his own husband, and he keeps going back to David to get advice, but it looks like he may have gotten in too deep this time, leaking stuff that oughtn't to have been leaked.
AND Mellie. Ever so coolly, trying to defuse the rumors about Fitz and Olivia, again, invites Liv to lunch in public with all the cameras pointed at their smiling faces. Liv plays ball, but the chilliness remains underneath all the cheery exterior.
The big story I believe is the new VP Fitz wants to take Sally's place on the ticket, an old friend from California, someone whom he believes will have the loyalty that Sally so clearly lacks. However, Liv doesn't want him because he doesn't suit their political needs, and Mellie, well, Mellie doesn't want a guy she used to sleep with just down the hall from her husband's office. I'll buy the silver fox thing, but I would have cast someone better looking and perhaps a bit younger to play Mellie's old flame.
A bit of news:
Bad news for Mind Games. The pilot ratings were better than some ABC's other recent disasters, Lucky 7, Killer Women, and The Assets, but not by much, and it may not be by enough to get the show picked up for the spring season.
It looks like most people felt the same way about Mixology as I did, as it opened to a dismal audience Wednesday night. On the other hand, Chicago PD was up, seemingly from a crossover ep from Law & Order: SVU (Haven't watched it yet… how did they swing that? SVU is in NY and CPD is Chicago…?)
Up next:
I've decided to cut Parenthood, The Tomorrow People, Elementary, and Almost Human from the line-up temporarily. Because of the heavy schedule and the impending return of other shows like Bates Motel, OUAT in Wonderland and Suits next week, things are just a little too hectic to keep up with EVERYTHING I want to watch right now.
If a gap opens up in the schedule, I'll throw some of these back in, and once the schedule lightens up again, I may add them back in if the season's still going at that point, but for now, me being a one-woman-show here, I just can't keep up with it all.
Enlisted and Five-0 are back Friday night, and the new season of Hannibal returns!
It affects chemicals in the body that are involved in the cause of some types of pain. There are many medicines which give you things you need to be ready on your own terms. What doctors talk about viagra or cialis? It contains Sildenafil. Also known as erectile dysfunction is defined as the impossibility to attain an erection suitable for intercourse. Having erectile dysfunction can no doubt complicate dating. Many men take more medicines later in life and some have sexual side effects that will lead to impotency. Some of medications fuel wish. Certain far-famed medicaments can mean screwing with your orgasm. What is the most significant facts you perhaps know know about this?


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Morrisey Announces Issues He Hopes Legislature Addresses
Tuesday, January 13, 2015 - 06:08 From a News Release by WV Attorney General Patrick Morrisey
Some of the issues were introduced during previous sessions but never made it through both chambers, including attempts to codify some of the administrative changes made within the Office of Attorney General. Morrisey also said he would welcome laws that ban taxpayer-funded ads in election years that feature an officeholder's name or likeness.
"We believe the policies put in place in 2013 have proven to be successful and should become permanent," Morrisey said. "The reforms have and will continue to save money. The new outside counsel policy we enacted has made the process more open and transparent and saved the state approximately $3.9 million in legal fees. Our agreement with the Governor and legislative leaders to return unencumbered settlement monies to the state while ensuring that the Consumer Protection Division is properly funded has resulted in $16 million being returned to the General Revenue Fund in the past two years."
Morrisey also said he would support a law that called for more regular audits of all state agencies, departments, divisions, and offices.
"I believe elected leaders need to take an aggressive stand and end the cycle of waste and abuse that has plagued our state for too long," Attorney General Morrisey said. "One of the key takeaways from the many town hall meetings I hosted throughout the state is that West Virginians want more accountability in state government. I believe more audits will restore citizens' confidence and faith that their hard-earned tax money is being wisely spent."
Morrisey also hopes lawmakers will address the issue of term limits, and he would specifically like to see an amendment limiting the Attorney General to two consecutive terms in office, similar to limits already placed on the Governor. Morrisey is not opposed to seeing similar limits placed on other constitutionally elected offices.
"In this day and age where we have a more vital two-party system, I think it would behoove everyone to have term limits, particularly on the Attorney General's Office," Morrisey said. "That was something I campaigned on in 2012 and something I still very much believe in. A government of the people should be accessible to the people."
Other legislative issues Morrisey says he believes lawmakers should take up are legal reforms, including how liability is calculated; legislation protecting citizens' religious liberties; and how the state deals with the Environmental Protection Agency.
"Our Office has taken a lead role among state attorneys general in fighting back against the EPA for pushing proposals that are contrary to the Clean Air Act, Clean Water Act, and other environmental laws, and put jobs in our state in jeopardy," Morrisey said. "We think it would help West Virginia if our state had more flexibility to determine whether it should submit a State Improvement Plan to come into compliance with EPA proposed rules governing existing coal-fired power plants. We should put the state in the best strategic position to defeat this EPA proposal. "
Morrisey said he hopes lawmakers address tax reform in the future but understands that may not happen overnight.
"I think everyone is united in their hopes that this session will see meaningful changes that will help propel West Virginia forward," Morrisey said. "We have entered into a new era in the state, and I am excited to see what transpires over the next 60 days."


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Despite abundant water resources in the state and region, our water supply is not endless
Sam Bauer's family is in the tire business. But he's all about grass—the kind you find in a lawn. As a teenager, Sam worked at the local golf course near his home in Wisconsin, falling for the outdoors and the lush green turf. He knew even then that this would be his lifelong pursuit.
"My passion is around putting less stuff on our lawns, including water," he said. "We can have both: green grass and water savings."
Today, Bauer is an Extension Educator at the University of Minnesota working on a two-year water efficiency project with the Metropolitan Council. Preserving our precious water supply is a goal both organizations share.
We don't always treat water like the precious resource that it is. Data show that homeowners in the metro area use three times as much water during the summer months as compared with winter months. That's because we're tapping our water supply to keep our lawns green, often using lawn irrigation or sprinkling systems.
It's a pattern that prompted the Council to partner with the U of M to survey residents about their lawn irrigation systems and practices, and test the performance of different grass species under dry conditions. Do we really need so much water for lawn irrigation?
Summary of irrigation practices survey
Here's Sam's advice about your lawn irrigation system; "Turn it off! We're overwatering, wasting water, and wasting money, and our lawns aren't necessarily better for it."
He recommends manually turning irrigation systems on and off, as needed, to supplement rainfall during dry conditions. Or, investing in a smart irrigation controller that links to a weather station and automatically adjusts for weather conditions.
Tips for a luscious lawn and water savings
Sam says there's real value to managing lawns appropriately, and homeowners bear responsibility for using water resources efficiently and effectively.
It's one of many strategies the Council embraces to protect the region's abundant but vulnerable water supply now and in the future.
There's no understating the value of water. Water is prosperity. Water is essential. Water is life.
You can help
You can save money—and water for future generations—by replacing your clock-based irrigation controller with a WiFi connected, WaterSense-certified Smart Controller. For more information, contact your water utility or visit the EPA WaterSense website.
The Council's Water Conservation Toolbox has useful resources for homeowners.
Copyright © 2018 Minnesota Golf Course Superintendents Association, All rights reserved.
Designed by Parsons Marketing Concepts


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Charles Cantor
|Charles Cantor
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Charles Cantor (born 1942) is an American molecular geneticist who, in conjunction with David Schwartz, developed pulse field gel electrophoresis for very large DNA molecules. His 3 vol book, biophysical chemistry, co-authored with Paul Schimmel, was an influential textbook in the 1980s and 1990s.
Charles Cantor is Director of the Center for Advanced Biotechnology at Boston University.[1] He is currently on a two-year sabbatical acting as Chief Scientific Officer at Sequenom, Inc.[2] However, his research laboratory at Boston University continues to be active, and he works there frequently. He is also a co-founder and Director of Retrotope, a US-based company using heavier isotopes of carbon (C13) and hydrogen (deuterium) to stabilize essential compounds like amino acids, nucleic acids and lipids to target age-related diseases.[3][4]
Cantor held positions at Columbia University and the University of California, Berkeley.
Cantor's laboratory at Boston University has developed methods for separating large DNA molecules, for studying structural relationships in complex proteins and nucleic acids, and for sensitive detection of proteins and nucleic acids in a variety of settings.
Professor Cantor has been director of the Department of Energy Human Genome Project and Chairman of the Department of Biomedical Engineering at Boston University.
Cantor is a consultant to more than 16 biotech firms, has published more than 400 peer reviewed articles, been granted 54 US patents, and co-authored a three-volume textbook on Biophysical Chemistry.
Cantor is an author of:
- Genomics : The Science and Technology Behind the Human Genome Project
- Biophysical Chemistry : The Behavior of Biological Macromolecules
- Techniques for the Study of Biological Structure and Function
Ref Schwartz DC, Cantor CR. " Separation of yeast chromosome-sized DNAs by pulsed field gradient gel electrophoresis ", in Cell, vol 37, pp. 67–75, May 1984 Similar work appeared almost at the same time from the lab of Maynard Olson at Washington University School of Medicine.
External links
- CharlesCantor.Org
- A schedule of Dr. Charles Cantor's upcoming scientific talks
- Management Team of Sequenom
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CategorizationDriving Games » Car Games » Free Rally
More Information About Free Rally
Free Rally is an amusing car game that you can play here on CrazyGames directly in your browser, free of charge. This game has received 506,634 plays and has received a rating of 9.1 out of 10 by 6,119 people. The game uses WebGL to work flawlessly in most browsers. If you like the game, take a look at our other car games or to Russian Car Driver ZIL 130 and Wheely 8.SHOW LESS
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