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Abbey roadblock
6 August 2001
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Before last November, Lloyds TSB bank had been eyeing Abbey National for a few years without making any concerted effort to capture the converted building society. When Abbey began merger talks with the Bank of Scotland, however, Lloyds interpreted this as open season on the former mutual.
Abbey did not particularly like the terms Lloyds put on the table, and following what some called a "regulatory defence", was rescued by a sensational decision from the Competition Commission. When on 10 July the regulator's decision was endorsed by Patricia Hewitt, the Secretary of State for Trade and Industry, the effects reverberated across the UK's banking sector.
Lloyds emerged from the early-1990s recession years relatively unscathed, with far fewer bad debts than many of its competitors. This left it well placed to take a predatory position in the banking market, allowing it to buy up TSB and Cheltenham & Gloucester. Along with HSBC, Barclays and NatWest/Royal Bank of Scotland, it forms the big four which dominate UK banking. By 2000, though, Lloyds needed another cost-saving merger to maintain its earnings momentum, but targets were few and far between. Meanwhile, Abbey was courting the Bank of Scotland in merger talks. Lloyds liked the look of the Abbey price-tag, felt that the former building society would be a good fit, and so decided to pounce.
Lloyds Bank is a long-term client of Linklaters & Alliance, but when it went to talk to the firm about Abbey, Linklaters declined to act, citing a conflict of interest. The firm will not say what the conflict was, but it seems likely that another Linklaters client already had its own designs on Abbey. Rumour has it that this could have been the National Australian Bank, which already owned Yorkshire Bank, attempting to expand its empire. At this stage, head of legal at Lloyds Jeffrey Johnson decided to try Clifford Chance on for size. The firm assembled a team consisting of Jim Wheaton and Chris Bright in the hope of steering Lloyds through the merger.
|"There was significant operational risk in two organisations merging that compete head-to-head in the UK financial services market"
Mark Payne, Abbey National
Meanwhile at Abbey, there were no such problems. The bank is a longstanding client of Slaughter and May, which had been advising it on competition issues from November, when Abbey was discussing the Bank of Scotland merger. In the first two weeks of December, Lloyds put three offers in front of Abbey, during which time negotiations between Abbey and the Bank of Scotland were still ongoing. The first two offers were rejected fairly quickly, but, undeterred, Lloyds came back with a final proposal to Abbey shareholders of 260p cash and 1.5 new shares in Lloyds TSB for each Abbey National share. This was preconditional upon regulatory approval and unequivocal support from the Abbey board for the merger.
The Slaughters competition team, led by Bertrand Louveaux, and the corporate team, headed by senior partner Tim Clark, became involved from November onwards. While the Abbey board was considering the commercial viability of the deal, Lloyds ploughed on and notified the proposed merger to the Office of Fair Trading (OFT). At this stage, Abbey asked for an assessment on regulatory risk. According to Louveaux, who was heading a major Slaughters competition team for the first time, the firm advised Abbey that "there were very significant regulatory risks", and that "the merger would very probably be referred, and if so, prohibited".
Louveaux says that Slaughters had a meeting with Clifford Chance, at which he felt the Lloyds lawyers "did not properly address our regulatory concerns". He says that Clifford Chance advised their clients that the merger would probably not be referred to the Competition Commission. Clifford Chance would not comment on the case, but if the firm believed the merger would not be referred, it was certainly not alone. In retrospect, Louveaux does appear to have had a hotline to the competition gods, but at the time most commentators believed that there would be no insoluble regulatory issues. As Louveaux says, received wisdom pointed in the opposite direction, with Slaughters giving "fairly controversial advice, because most analysts were suggesting that it wouldn't be referred".
On 23 February, Louveaux's view was borne out as the Director General of Fair Trading made the decision to refer the possible merger to the Competition Commission for consideration. At this stage, Lloyds decided to turn back to Linklaters for advice. Whatever conflict the firm had before, it had clearly been resolved by this point, and a team headed by Bill Allan and Michael Cutting prepared to do battle with the regulator. In a very unusual move, Clifford Chance stayed on the deal in some capacity, although it is unclear exactly where each firm's responsibilities lay. All that Allan and Cutting would say was: "Clifford Chance handled the OFT process - we weren't involved. We handled the Competition Commission process, with Clifford Chance commenting on documents until the end of March."
On the commercial front, the Abbey board decided not to recommend Lloyds' offer on 7 February. "Essentially, there were two reasons for this," says finance director Mark Payne. "Primarily, the offer represented insufficient value for shareholders, but also there was significant operational risk in two organisations merging that compete head-to-head in the UK financial services market." Once shareholder value and synergy were considered, says Payne, "regulatory risk was a secondary issue, but it had a lot of weight in this case".
For Abbey, the Lloyds bid eventually signalled the end of the chances of a tie-up with the Bank of Scotland. Some commentators have criticised the Abbey board, saying that the Bank of Scotland deal foundered on the rocks of management ambition and a scramble for places in the merged entity, not to mention bickering over minutiae such as the location of the new head office. Abbey, however, says that it ultimately had to pull out because of the uncertainty created by the Lloyds bid. On 28 February, the bank officially terminated discussions with the Bank of Scotland, which according to Payne primarily "broke down because Lloyds had appeared and publicly threatened Abbey".
The Competition Commission's regulatory process rumbled on throughout the spring. Critics complained in the press that Abbey ran a regulatory defence to the Lloyds offer, but this is something strongly denied by Slaughters. "We had to decide how to respond to the Competition Commission," says Louveaux. "It was quite a difficult call, because it was seen as inappropriate for Abbey to do any lobbying." He defends the stance taken by his firm, saying: "The Competition Commission is there to reach a judgment on all the facts, so you have a duty to put the case truthfully."
The regulator sent Abbey and Lloyds detailed questionnaires and both banks had to attend two private hearings apiece, which Louveaux describes as "quite arduous. The Competition Commission probes and questions everything you say very thoroughly." For the first time in the case of a commercial merger, the regulator also conducted a public hearing. Broadcasted over the internet, the open hearing was pioneered by the commissioner in charge of the inquiry Denise Kingsmill.
Jokingly referred to by some lawyers as 'Denise's kangaroo court', the hearing was seen as a public relations exercise rather than as a key part of the legal investigation. There is no doubt, though, that the regulator considered the open hearing as important and that we may well see more of them in the future. Kingsmill said it formed "part of our commitment to transparency. It was designed to hear the widest possible range of views and encourage as many people to participate as possible."
Kingsmill largely managed to keep the lid on moaning members of the public, announcing at the start of the meeting: "I'm going to rule out of order any interventions that I think constitute whinges or grizzles or complaints about banking services." Even so, a Dr Thaker managed to get in a few words about "a catalogue of mistakes, a catalogue of inefficiencies and a catalogue of lies from the higher management", which he claims he had experienced in his 13 years as a customer of Lloyds. Other than that, comments were largely from consumer groups and City analysts, who held very mixed views on the merger.
A bigger problem for Lloyds than Dr Thaker's bank accounts were certain details in their own internal documents which were called in by the Competition Commission. In the regulator's report, where Lloyds and Abbey go by the codenames of 'Thomas' and 'Fish', there are quotes from Lloyds' papers which are, at the very least, highly embarrassing for the bank. The report quotes a Lloyds strategy document from September 2000 that admits: "So far, customers remain relatively price-insensitive for core banking services (ie current accounts)." The report also mentions a Lloyds paper on the planned Abbey bid, which boasts that after the merger, the bank would be "virtually unassailable in UK financial retail services".
Allan and Cutting from Linklaters play down the importance of such disclosures, saying: "The Competition Commission agreed with the Director General of Fair Trading's analysis, reached without reference to the documents."
Certainly, though, they could not have helped the bank's case, as surely Lloyds' admission that "the benefits of the cost savings and revenue increases which were expected to accrue to shareholders" did not either. Louveaux agrees that the Lloyds papers were embarrassing, but warns that "there is always a danger that, if you're the party in the driving seat, an employee who wants to impress senior colleagues will come out with bullish statements on merger strategy. Those documents can be dangerous later if you come in front of the Competition Commission." He also concedes: "I don't think they swung the decision one way or the other, but they were not helpful, because it's important to maintain credibility."
Although the Lloyds papers provided attractive press fodder, behind them sits a complex report by the regulator that extends to more than 200 pages. In its assessment of the personal current account and small and medium-sized business account market, the regulator just did not feel that it could risk the Lloyds-Abbey merger. The level of switching or transfer between banks in the personal account market is very low, something borne out by Lloyds' own paper, which states: "Customer inertia for banks has been high." Louveaux believes that, because the Competition Commission was so concerned about the existing level of competition between the big four, there was little that Lloyds could ever have come up with in terms of benefits to counteract this core problem. Although another idea bandied about is that the merger was just slightly ahead of its time, because in a few years there may be enough competition offered by new competitors, such as internet banks in the personal current account market, to make such a tie-up acceptable to the regulator.
What almost everyone involved who spoke to The Lawyer agreed on, was that it will now be very difficult for any of the big four to acquire a significant competitor. The major players might also take a further hit this autumn if the regulator takes a tough line with its report on competition in the small and medium-size enterprise business account market.
For Abbey and its advisers, the decision was a triumph that even the loss of the Bank of Scotland merger to Halifax Building Society could mute. Mark Payne of Abbey claims that there are no regrets. "You don't drive a car by looking through the rear-view mirror," he says. He believes Abbey's future lies in both organic growth and acquisitions, but that whichever path it takes, it seems safe from UK predators.
Lloyds, on the other hand, must surely look abroad. The bank has lost the chance to become a UK national champion and must now venture abroad without first further consolidating its UK business. Lloyds has a new Dutch chairman, who will surely be formulating a European strategy. Perhaps Linklaters should book tickets to Amsterdam for the bank's next acquisitive foray.
|The key players
| Abbey National
Bertrand Louveaux headed the competition team. He has been at Slaughter and May since 1992, becoming a partner this year. He graduated in economics from the London School of Economics and has acted on several high-profile cases for Slaughters. Some of the cases he has worked on include a Shell-Exxon joint venture, the British Steel-Hoogovens merger, the Rothmans-BAT merger and the proposed Lincoln-Charter acquisition. Malcolm Nicholson and Isabelle Taylor also worked on the competition side. The corporate side was led by Tim Clark. He has been senior partner at Slaughters since 1 May this year. Clark has been resident at Slaughters since 1974. He is in the corporate department and worked on the demutualisation of Abbey National in 1989. Frances Murphy, Roland Turnhill and William Underhill also worked on the corporate side.
Lloyds TSB
Bill Allan and Michael Cutting headed the competition team for Linklaters & Alliance. Allan is head of EU and competition law, having been at Linklaters for his whole legal career and becoming a partner in 1982. Cutting, also in the EU and competition law group, has been at the firm since he joined as an articled clerk in 1986. He was made a partner in London in 1995. Alan Black and Michael Drew were also involved. Jim Wheaton and Chris Bright were involved for Clifford Chance, supported primarily by Sarah Keene. Wheaton specialises in EU and competition law and has been a partner at Clifford Chance since 1978. Bright left Clifford Chance in May for Shearman & Sterling's London office. He qualified with Linklaters & Paines in 1985 and stayed with the firm until 1999, making partner in 1992. He also worked on the EU regulatory aspects of the proposed GE-Honeywell merger.


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Tag Results
3 posts tagged iPod
3 posts tagged iPod
Here's a quick recap of all the cell phone cozy tutorials I blogged about:
Which one is your favourite?
This is the third and final tutorial of my cell phone cozy series (check out the first two here and here). This one takes the most time and effort, but the results are beautiful. This is the cozy I made for myself, hence the pink- my favourite colour!
I started off by crocheting a long piece. Make sure the width of the piece is the same width as your phone (you do not have to take into account the thickness of the device as in the other tutorials).
Wrap the piece around your phone to make sure it fits.
This cozy will have a front flap, so wrap the piece over itself.
We will be making a button hole in this front flap, so make rows of single crochets that run only halfway across one side. Bind off the end when finished.
Now even it out by making rows of single crochets on the other side.
Single crochet all the way across to close up the hole. For a more in-depth look on how to create a hole in the front flap for a button, see Tutorial #2 (has step-by-step pictures with arrows).
This is the new part: we will be using fabric for the lining of the cozy! You may remember this fabric from the Spring Bunnies (lining of their ears). I had material left over, so I was happy to use it in another project. Wrap the fabric around your cell phone and sew a straight seam down the middle.
Wrap the crocheted piece around the fabric lining.
Sew the crocheted piece around the fabric lining. You can see the seam in this picture.
Sew on your favourite button with colourful thread for contrast. In this case, I used a wooden button with hot pink thread. These materials may look familiar because I used the same silk bamboo pink yarn, wooden button and hot pink thread when I made my mom's cup cozy!
Here is the finished cozy, all buttoned up with the cell phone inside!
The fabric lining really adds a nice touch with the decorative patterns only peeking out on the sides.
As you can see, I really like pink!
This cell phone cozy is a welcome addition to the other must-haves in my purse: my Kindle (I love whipping this out and reading whenever I have time to pass), keys, handcream, Sashiko kleenex holder and now my new handmade, chic-looking cozy!
And that concludes my series on cell phone cozies :) Hope you found them useful and that you've been inspired to make one for yourself or for a loved one. It's great being able to use and carry something special you've made that can't be bought in stores!
This is the second tutorial of my three-part cell phone cozy series (Check out Tutorial #1 here and Tutorial #3 here). With this second method, we crochet a "sock" for our cell phones. There are no seams and no joining of edges required. This is actually my favourite way of crocheting cell phone cozies because I think it is the most simple and quick method.
To begin, you make a series of chain stitches that is about the width of your cell phone (or a little bit longer if your device is thick). Once you are done, single crochet to the left side (1) starting from the second chain from the hook as shown below in the top loops (aka back loops).
Once you have reached the left side, begin single crocheting in the bottom loops (aka front loops) of the beginning chain going towards the right side (2). In essence, we will be crocheting around and around the beginning chain.
From here on in, we will be crocheting in both loops (top and bottom or front and back loops). We single crochet towards the left side at the top (3) and then towards the right side on the bottom (4). This is similar to crocheting around a circle for amigurumi, except now we get a long, oval-like shape.
Once you keep crocheting around and around, the edges will start to curl up on itself since we are not increasing at all (the number of stitches in each row is the same). Be sure that the right side of your piece is showing outwards (see my "Right Side of Amigurumi" post).
After many more rows…
The finished product with the cell phone inside! The cozy really fits like a glove with the cell phone snugly tucked inside.
To make the cozy cuter, we added this little bunny (reminiscent of the Spring Bunnies!). See my tutorial on how to add felt shapes to your cozy here.
The bunny adds a nice touch :)
Next, I will talk about some other ways you can decorate or add some closure to your cozies. Here, I've crocheted a plain black cozy using the "sock" method.
I crocheted a 5-petal flower (click here to learn how to make them) and found a cute colourful button.
I sewed the button in the centre of the flower and sewed the flower onto the cozy for a pop of colour.
If you want your cell phone to be extra protected, you could use some form of closure at the top. For example, you could put the flower/button near the top front of the cozy and make a series of chain stitches on the back of the cozy to loop around the flower/button.
I opted to use the flower as a decoration in the corner.
Another option is to make a full front flap with a button for even more secure protection. Here, I've crocheted a pink cozy that is the length of my cell phone.
Next, I crochet across half of the sock (the back), chain 1 and then turn instead of continuing to crochet around in a loop.
Once the flap is long enough, we will get ready to create a hole for where the button will go through.
To create a hole or gap in our flap, we will single crochet half-way across on the right side (1) and stop. Do not continuously go across to the left side to complete the row.
Next, we chain one and go back across to the right side (2). Then we chain one again and go back halfway towards the left (3). Bind off here (or keep going a few more rows depending how big your button is).
Join yarn with slip stitch at the point indicated in the picture below. We will now work on the left side.
Single crochet across the left side (4), chain one, crochet towards the right side (5), chain one, then crochet towards the left side once again (6). Both the left and right sides should be even now.
Now, you can single crochet straight across the row (not stopping halfway), forming a hole in our flap.
Keep single crocheting rows until you've reached your desired length.
Next, it's time to add our button. There are so many cool buttons out there, but I thought it'd be cute to add a crocheted button. To do this, I started off with a magic circle and crocheted around a small button (increasing then decreasing rows).
I then sewed the crocheted button onto my cozy.
And here it is with the button slipping through the hole we created very nicely :) You could also use a piece like this to hold credit cards and ID. Add a crocheted strap to the corner and you've got yourself a cute wristlet for days when you don't feel like carrying a big purse!
While on a long road trip, I made these striped cozies because I was trying to think of ways to use up my old yarn from when I was little. There are so many different colour combinations to try! If changing colours, be sure to make the change towards the edges of the cozy so that the switch in colour is not readily visible.
Here are all the cozies we talked about using the "sock" method. Of course, you could add a button or do the same flap technique using Tutorial #1 (with the single crocheted edges) as well. Be sure to also check out Tutorial #3 which is what I actually used for my own cell phone!

subset: commoncrawl


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We loved this! I pondered other reviewers and used 1/2 cup of the adobo puree. I absolutely browned my roast before putting in slow cooker. It never comes out right (for me) if I don't brown first! I believe that is what makes it flavorful and also easier to shred when done. I admit I once tried a slow cook w/out browning, and I couldn't shred my meat then, either*!* I sure hope this helps the person who had that problem. It only takes a few min, but is well worth it in flavor return*!* We loved this so much, I used the remaining adobo sauce the next week, making this again. ENJOY**
Chipotle Shredded Beef
Photo: Ryan Benyi; Styling: Stephana Bottom
Yield: Serves 6
Cost per Serving: $1.73
More From Allyou
Recipe Time
Cook Time:
Prep Time:
Nutritional Information
Amount per serving
- Calories: 437
- Fat: 15g
- Saturated fat: 5g
- Protein: 63g
- Carbohydrate: 10g
- Fiber: 3g
- Cholesterol: 139mg
- Sodium: 537mg
- 1 7-oz. can chipotle chiles in adobo sauce
- 1 15-oz. can crushed tomatoes
- 1 tablespoon lime juice
- 1 onion, chopped
- 3 cloves garlic, minced
- 1 2-lb. beef chuck pot roast, fat trimmed
- Salt and pepper
- Corn tortillas, shredded lettuce and Jack cheese, sliced avocado and sour cream, all optional
- 1. In a blender or food processor, puree chipotle chiles with adobo sauce until smooth. Spoon 2 1/2 Tbsp. into slow cooker; reserve remainder for other uses. Add tomatoes, lime juice, onion and garlic; stir to combine. Season beef with salt and pepper and add to slow cooker.
- 2. Cover and cook on high until beef is tender enough to shred easily with a fork, about 6 hours. Using two forks, shred meat; spoon into a serving bowl with sauce. Serve beef with warmed corn tortillas, shredded lettuce and cheese, sliced avocado and sour cream, if desired.
My Notes
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Chipotle Shredded Beef Recipe at a Glance
- COURSE: Main Dishes
- CONVENIENCE: Kid-Friendly, Make-Ahead
- CUISINE: American, Southwest
- MAIN INGREDIENT: Beef
- DIETARY CONSIDERATION: Gluten-Free
- COOKING METHOD: Blender, Slow Cook
- PUBLICATION: All You
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Texas Wings Constitution and Bylaws - August 3, 2010 last revision.
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AMA membership is required and proof must be displayed at all times.
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Before turning on your transmitter, you must have a clip holding your current Texas Wings' membership card inserted in the frequency board hole that matches your channel number. Spread Spectrum and Ham frequency users must place their card in the area at the top of board.
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Helicopters are permitted to fly on the active runway while not impeding the flow of fixed wing aircraft. Fixed wing aircraft have the right of way. Helicopter designated flying areas are in the portion of the inactive runway not being used as the main runway (North West Corner when active runway in-use and south-end of the on the main runway when crosswind runway is in use).
Please consider, when operating your model aircraft, that this club was established to promote and assist those interested in the hobby. Texas Wings membership has invested a great deal of time and money in the flying field. Please insure that your actions will in no instance jeopardize your own, or other club members', right to fly at our facility.
We have been allowed to use the land which comprises our flying field solely at the discretion of the Texas State Facilities Commission. This right can be withdrawn at any time should your actions, or those of any other member or guest, create a situation which prompts the Commission to do so. In this regard, strict adherence to our Field-use Bylaws & personal behavior standards is vital—as well as a maintaining a courteous and positive relationship with our neighbors and visitors. If in doubt, ask a Club Officer for clarification, or assistance. Club Officers should be immediately notified of any actions, or issues, which may jeopardize Texas Wings' continued use of our Flying Field, to ensure prompt and appropriate corrective-actions may be implemented.
A critical aspect of model aircraft flying that should receive every club member's continued attention is Safety. The accident record of the Texas Wings Flying Club has been very good, but the very nature of the sport requires continued vigilance if we are to maintain this record. In all cases, the operation of an aircraft should be dictated by a concern for the safety of your self, other pilots and spectators. The Club Safety Officer should be immediately notified of any Safety issues, or violations, which may jeopardize the Safety of members, visitors, or our facilities; to ensure appropriate corrective-actions may implemented.
When there is any doubt about safety: DO NOT FLY.


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Ruston, LA (Sports Network) - Alex Hamilton scored 20 points, leading four players in double figures, as the Louisiana Tech Bulldogs recorded an 81-72 win over the New Mexico State Aggies in Western Athletic Conference action at the Thomas Assembly Center.
Also scoring in double digits for the Bulldogs (11-3, 2-0 WAC) were Brandon Gibson with 15 points, Kenyon McNeail 14 and Cordarius Johnson 10 points as the trio combined to shoot 11-of-16 from 3-point range in the team's third straight win.
The Aggies (6-8, 0-2) were paced by Daniel Mullings with a game-high 21 points, followed by Tyrone Watson and Terrel de Rouen with 14 and 10 points, respectively, as the squad suffered a second straight loss and the fourth in five games.
Both teams shot just under 49 percent from the floor in the first half, but while NMSU came up empty on four chances beyond the arc in the period, the Bulldogs made good on 7-of-13 in order to take a 49-39 lead at the break.
In the second half the Aggies again struggled on the perimeter (1-of-8), compared to LaTech which converted 4-of-9 on the outside in order to capture the nine-point home win.
In addition to turning the ball over 14 times, leading to 21 points for the hosts, NMSU also shot just 23-of-37 (.622) at the free-throw line.
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LaRoche Avenue between Norwood Avenue and Wylly Island Road is closed and will remain closed until as late as midnight after a large tree fell on top of some powerlines.
The closure will affect traffic coming and going to Isle of Hope.
Savannah-Chatham Metro Police say the two power poles were damaged.
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I'm in the process of redesigning my site, one of the problem with my old layout is that all my link buttons are graphics, and people had to wait for the graphics to load before they can navigate.
So in the new design, I'll be thinking of fancy, but text links, I was thinking of putting a background image in the table, with colour changing text links on top.
But so far, I've only come up with a list of links (about 6 of them) on the side, which isn't very original.
Do you guys have any ideas that can make six text links look good? In terms of placements, alignment, etc.


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Today: post-election analysis webinar (presentations available)
From Ballotpedia
November 10, 2011
MADISON, Wisconsin: Ballotpedia joins the Franklin Center today, November 10, in the 2nd annual post-election analysis of November's state government elections.
The webinar begins at 11:30 a.m. EST.
It features a variety of election experts and analysts who will scrutinize and provide insights about the 2011 state election results in state executive and legislative races, as well as state ballot measures. Additionally, experts will provide an outlook of the political climate for 2012.
The webinar is for bloggers, journalists, officials and interested readers of Ballotpedia.
Featured presentations include the following topics:
- State executive official elections, 2011 - (presentation)
- State legislative elections, 2011 and redistricting - (presentation)
- 2011 ballot measures - (presentation)
- About Ballotpedia and a summary of November 2011 elections (presentation)


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I love you, every morning when I wake up, in every middle of the day, in the hours we're together and the minutes we're away.I Love you and I will always do. :)))
You're everything I've ever wanted to see, to talk with and to be with.
Forever I'll be yours, Forever I loveyou baby. ;) <3
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If you follow me on twitter (@Kahanka) you might know that I take the training very seriously and really follow my personal training plan by Karen from fullpotential.co.uk. Meeting her and others from the team which is helping us with getting ready for this big event was fantastic. Also knowing that Maria and Emma are doing it with me really helps.
Me, Maria and Emma
Maria, me, Karen and Emma
Originally I was supposed to run my 90 minutes long run on Sunday, but after the training day in London, I felt a bit more tired than expected, also my right knee was aching since Saturday afternoon and so I decided to go swimming with Isabelle and daddy. While they were having fun in the children pool, I was swimming in the fast lane, and managed to swim 50 laps in 35 minutes. I was quite happy with the result, especially on a Sunday morning, when it's very busy and there are just too many people in the pool.
Anyway, I was feeling much better on Monday morning, but I could still feel the pain in my right knee. After about 80 minutes of running outside I had to stop as the pain in my right knee was getting worse and worse. I power- walked for the last 10 minutes, and was feeling a bit angry with myself that I wasn't able to run the whole 90 mins because of the knee...Let's hope that a one day rest will help me and that the pain will go away!
This is what I managed to do last week:
Tuesday: 3 x 6 mins running at threshold with 2 mins jog recovery between efforts
Wednesday: 45 mins spinning class
Thursday: Rest
Friday: 45 mins steady effort run outside
Saturday: NPL Training Day in London ( threshold running)
Sunday: 35 mins swimming ( breast stroke, 50 laps, 25m pool)
Monday: Long run 80 mins outside + 10 power-walking
Just a little reminder that you could support me (Great Ormond Street Hospital Charity) by sponsoring me. THANK YOU!
Thank you to my sponsor https://www.nestle-purelife.co.uk and also Kiddicare for donating
an amazing amount of £500!
Thank you to my sponsor https://www.nestle-purelife.co.uk and also Kiddicare for donating
an amazing amount of £500!
And now I am all excited about hearing your news!!!
As every week I suggest doing the following exercises every day until next Tuesday. It will not take you long, you don't have to do them all at once. If you feel comfortable doing more, do it, if you feel you might need to do less, don't worry, do less this week and do more the week after. I am not a fitness instructor, I am here to encourage you to do some exercises to get fitter and hope you will be there for me too. And don't forget to add our Fitness Tuesday badge to your blog ;)))
I suggest doing the following for the next week:
- 61 sit ups (towards both knees)
- 61 sit ups (touching your left knee)
- 61 sit ups (touching your right knee)
- 20 push ups
- skipping for 95 seconds (roughly 1 turn per second)
How did you do last week and how do you feel about it? What exercises have you done?
I know that many people try to loose some weight or get back into shape after Christmas, so take it easy, these numbers are based on starting 27 weeks ago, if you need some help, just leave me a comment ;))) Remember we all are doing it together!
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Congratulations to our area businesses recognized as the 2014 Best of the West as voted on by NewsChannel 11 viewers and KCBD.com users.
Best Asian Restaurant Pei Wei 4210 82nd Best Bakery The Cakery 6301 82nd Street #801 Best BBQ Restaurant Rudy's Country Store & Bar-B-Q 4930 S Loop 289 Best Breakfast Lubbock Breakfast House 7006 University Best Burger Blue Sky
Best Caterer Honeychild Catering Solutions 1407 Avenue R Best Chicken Fried Steak Cotton Patch 6810 Slide Best Coffee House Starbucks
Best Dessert The Choc'late Mousse Pie Bar 4210 82nd Street Best Donuts Rise N Shine Donuts
Best Family Restaurant 50th Street Caboose Restaurant 5027 50th St Best Fast Food Restaurant Chick-fil-A
Best Happy Hour Sonic
Best PizzaOne Guy From Italy
Best Italian Restaurant Orlando's Italian Restaurants
Best Liquor Store Spec's Wine, Spirits and Finer Foods6816 Slide Rd #12 Best Mexican Restaurant Abuelo's 4401 82nd St Best Ice Cream Sheridan's Frozen Custard 5101 82nd
Best Place to go for a beer Caprock Cafe
Best Restaurant Buffet Furr's Buffet
Best Ribs Rib Crib 8211 Slide Rd Best Sports Bar Nick's 9806 Quaker Avenue Best Steak Texas Roadhouse 4810 S Loop 289 Best Thai Restaurant Thai Pepper Restaurant 3702 20th Best Upscale Dining Las Brisas Southwest Steakhouse 4701 112th Street
5600 Avenue A
Lubbock, TX. 79404
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Learn how to avoid potentially serious heat illnesses by recognizing the signs and knowing how to cool down quickly should you experience heat exhaustion or heat stroke.
Despite the wide availability of health and fitness information, people continue to struggle with their weight and health-related behaviors. The truth is, you can't have a healthy body without a healthy mind. Here are three tools that can help channel a healthy mindset to...
Human bodies come in a wonderful array of shapes and sizes, and all should be appreciated in their own right. Whether you're trying to get in shape, or improve the "shape you're in," it can be helpful to understand your body type so you can choose the best exercises for...
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The Alliston Hornets won 5-1 last night against the Walkerton Hawks in game one of the provincial playoff quarter finals of the Clarence Schmalz Cup. The Hornets had home ice advantage at the New Tecumseth Recreation Complex.
Game two of the series takes place on Wednesday, March 21st in Walkerton at the Walkerton Community Centre at 8:30pm. Game three of the series will be back at the New Tecumseth Recreation Complex at 8:00pm on Friday, March 23rd.
If you can't make it to the game, follow the Alliston Hornets on Twitter for up to the minute updates from the game. @AllistonHornets.
Devonleigh Homes is a proud sponsor of the Alliston Hornets. Go Hornets Go!


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Defending Mrs. BushDecember 13,2012
Defending Mrs. Bush
I was disappointed in your recent article about a personnel matter at Union Elementary School. What happened to innocent until proven guilty? Mrs. Bush has been teaching at Union School for many years. My child was in her class during the same year as one of the parents quoted in your article. I volunteered in the class frequently and did not find it chaotic. Nor did I find Mrs. Bush, a disaster. If you are going to print such comments, you should at least ask around to see if other parents might have a different view. I am not trying to belittle the parents concerns. Certainly, they should be addressed. Like all of us, Mrs. Bush is not perfect. But a teachers job is a hard one. And your article did a great disservice to someone who has worked hard and cared deeply for our kids.
Carolyn Scoppettone
MontpelierMORE IN LettersMost people associate New Years resolutions with the week after Christmas, but every Labor Day... Full StoryQuestioning the crisis Full StoryScience and morality Full Story
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Hey you! So here are some random facts about me: # I'm a Muslim. # I like Harry Potter. # I'm a perfectionist. # I'm a procrastinator. # I just changed my 'About Me'. Again. # I like baking (sometimes). # I'm afraid of outer space (what if you float away!). # I'm going to be a published author someday. # And invent something. # And take a world tour. # And own a Bugatti. # And save the world. Someday. Soon. Probably. I make pretty covers! Request here: http://www.wattpad.com/forums/discussion/721378/red-rose-graphics-covers-and-banners-closed%20%3Ca%20href= Check out my Youtube channel to watch all the trailers I've made: http://www.youtube.com/channel/UCuWuxSVE3t0B96G9nTnsssg Like my page on facebook to get updates about my books and view my cover designs! http://www.facebook.com/pages/Nineoclock/377210372396741?ref=hl Oh, and check out the amazing works of these amazing people. @eightOclock @borntobeawriter And, I'd like to thank all my followers and readers for reading my books and using my multimedia designs. It's much appreciated! :D That's all for now. Happy Wattpading!
20 Facts About MeNon-Fiction #776
Incandescent"Before me stood Matt, looking livid. He looked at me, and then looked some more. Then his eyes darted towards the field where the limp body was being loaded onto a stretcher... read more
Superheroes are so Overrated (Superheroes Book 1)Kimberly is just an ordinary, normal girl. Well, as ordinary as an orphaned, working, teenage girl who doesn't go to school and looks after... read more
Poetry Collection by @nineOclock1- Things Aren't Always What They Seem 'His valuable watch was there, all right, But his most precious treasure was no longer alight.' A dad- the only ma... read more
ApocalypseA short story about a person surviving an apocalypse. It's pretty general, the name of character, date, place etc. is not specified; I'll leave that to your imaginations. It's ... read more


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After last week's lack of a new episode thanks to the match up between the USC Trojans and Notre Dame Fighting Irish, Saturday Night Live is set to return to NBC tonight with a brand new show that will leave you laughing to end your Saturday.
Tonight's show is set to be hosted by Edward Norton, while Janelle Monae will provide the musical entertainment.
So how can you tune in to the latest episode of Saturday Night Live and enjoy all of the newest skits? Here is all of the information you will need to make sure you don't miss a second of the action:
Date: Saturday, October 26
Start Time: 11:30 p.m. ET
Guest Host: Edward Norton
Musical Guest: Janelle Monae
TV Info: NBC
Online Stream: NBC.com (Clips/Full Episodes), Hulu (Full Episodes)
Video highlights and full episode replays will be available after the show airs on NBC.com and HULU Plus if you would like to relive the funniest moments from the show.
As for next week's show, there will be plenty of anticipation.
Next week, Scandal star Kerry Washington is set to host the show, while the one and only Eminem will serve as the musical guest as he promotes his upcoming album.
Tags: Saturday Night Live SNL


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Wes Glinsmann
Political hack by day. Freelance writing superhero by night. Self-proclaimed authority on homebrewing, bacon and turning oxygen into carbon dioxide.
A 12-year old in Massachussetts has been banned from pitching for his little league team, because he is too good.
John Lennon got his driver's license just after The Beatles had become the biggest band in the world. So it's probably not a surprise that his first ride was a little fancier than yours.
Sports fans have a lower threshold for the word "emergency." While most people reserve the term for events like heart attacks, major world crises and running out of toilet paper, sports fans know that true emergencies are things like double overtime and last minute drives. So you can forgive one loyal hockey fan for having to change dinner plans based on the fortunes of his favorite team.
Most of us have at least one crazy ex in our pasts, but not many of them randomly show up ten years after the break up, demanding twenty bucks.
Dog lovers in Argentina are shelling out hundreds of dollars for loveable toy poodle puppies, only to get them home and discover that they're actually ferrets on steroids.
When they're not busy eating one another, the North Koreans have a real fondness for creating trippy self-promotion videos; it's kind of their thing. They may have outdone themselves with this new one, though, which features a man peacefully dreaming about launching a rocket attack on New York City—complete with graphics straight from 'Call of Duty: Modern Warfare 3.'
In early September, Notre Dame linebacker and Heisman Trophy candidate Manti Te'o—just days after learning of the death of his girlfriend—led the Fighting Irish to an emotional upset of then-#10 Michigan State. However, in one of the most bizarre twists we've seen in college football, it now appears that the whole story about a dying girlfriend was a hoax.
Led by the toughest defenses anywhere, two of the most storied programs in college football history face off with the national championship on the line.
Star quarterback Teddy Bridgewater leads Louisville into its second-ever BCS bowl game. But he'll be tested by the Florida Gators and one of the nation's toughest defenses.
The first week of bowl games is in the books and, while we all know these games are just appetizers for the big games to come, the BCS games will be hard-pressed to match some of the excitement we've already seen. Three of the four games this week were decided in the fourth quarter and featured a lot of stellar individual efforts.
Here are all the highlights from the first games of the 2012 bowl season.
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|Blazers' Roy returns against Warriors after scary knee injury
|Written by Admin
|Wednesday, 09 January 2008 19:00
Roy, last season's NBA Rookie of the Year, crumpled to the court after he collided with Golden State's Al Harrington in the third quarter. He was helped off by a pair of Portland trainers.
But Roy returned to the game and started the second half, drawing cheers from fans at the Rose Garden.
Going into the game, Roy led the team in scoring with an average of 19 points. He was also averaging 4.5 rebounds and 5.6 assists.
Roy sat out most of the Blazers' previous game against the Utah Jazz because of a tailbone bruise.


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Intellectual Property and Technology
IP-intensive industries create more than 27 million American jobs, and indirectly support another 13 million. That's nearly 30 percent all U.S. jobs! But technological innovation is dependent on how well we protect the rights of creators and entrepreneurs. That's why we must protect intellectual property rights.
Here's how I'm fighting to protect Intellectual Property:
Subcommittee on Intellectual Property, Competition, and the Internet
Protecting Innovation
Spurring Innovation – The America Invents Act
Subcommittee on Intellectual Property, Competition, and the Internet
The Subcommittee on Intellectual Property, Competition, and the Internet deals with intellectual property, which contributes greatly to our state and local economy. We rely greatly on the development, protection, and enforcement of intellectual property since the production of content like movies, music, books, and software is critical to keeping California's growing.
The subcommittee also has jurisdiction over patents, copyrights, and antitrust law. The subject matters are so broad that I deal with issues ranging from consumer privacy on the Internet to the mergers of pharmaceutical companies and banks to patents for car parts. The issues that I handle day in and day out have major implications for our country and I am privileged to be your representative on this subcommittee.
Protecting Innovation
I have consistently pushed for robust funding for state and local law enforcement departments so they can prevent, investigate, and prosecute intellectual property crimes. Without a doubt, the innovation of new technologies promotes economic growth by creating thousands of American jobs. However, many of these jobs are at risk due to intellectual property theft. California's economic recovery has been slower partly because Los Angeles County lost $5.2 billion in economic activity stemming from intellectual property theft in just one year alone. Not only must we create legislation to help individuals gain intellectual property rights, but we must also ensure that our laws are strong enough to protect these rights.
Spurring Innovation – The America Invents Act
At a time of record unemployment, and with three-quarters of our economic growth tied to American innovation and intellectual property, the need to overhaul our outdated patent system had never been greater. The world around us had modernized their patent systems to reflect the competitive nature of the global economy, while we in the U.S. were using a patent system that had not been updated in 60 years. That's why I proudly voted in favor of the America Invents Act (H.R. 1249), a law that modernizes our outdated patent system and enables American business to stay here, develop here, and create more products here.
This important law also included an amendment I authored that makes the complicated process of getting a patent a little easier for independent inventors. Now the U.S. Patent and Trademark Office will work with intellectual property law associations across the country to establish pro bono programs to help independent inventors file patent applications under the modernized system. These innovators play a special role in our economy and it is imperative that we in Congress do everything possible to support their creativity and entrepreneurial spirit.


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Joan M. Wolf
Children's Fiction WOLF
Summary: On the night Nazi soldiers come to her home in Czechoslovakia, Milada's grandmother says, "Remember, Milada. Remember who you are. Always." Milada promises, but she doesn't understand her grandmother's words. After all, she is Milada, who lives with her mama and papa, her brother and sister, and her beloved Babichka. Milada, eleven years old, the fastest runner in school. How could she ever forget? Then the Nazis take Milada away from her family and send her to a Lebensborn center in Poland. There, she is told she fits the Aryan ideal: her blond hair and blue eyes are the right color; her head and nose, the right size. She is given a new name, Eva, and trained to become the perfect German citizen, to be the hope of Germany's future-and to forget she was ever a Czech girl named Milada. Inspired by real events, this fascinating novel sheds light on a little-known aspect of the Nazi agenda and movingly portrays a young girl's struggle to hold on to her identity and her hope in the face of a regime intent on destroying both.
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Age: 11
In 1942, Germans invade her town, carry her and other children off to be indoctrinated as German children, part of the Nazi Lebensborn program; struggles to maintain her identity; gains secret knowledge of Czech prisoners held in the Ravensbrÿuck concentration camp.


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StoryCorps Wilmington
7:30 am
Wed August 7, 2013
From the StoryCorps Archives: Rabbi Moshe Lieblich
By Staff
Just over two years ago, the StoryCorps mobile soundbooth came to Wilmington and recorded rich stories of family, heritage, and personal struggle. WHQR News is thrilled to bring this wonderful catalog of Wilmington back for a second look.
Dana Sachs with husband Todd Berliner and Rabbi Moshe Lieblich speak about Lieblich's arrival in Wilmington. Rabbi Lieblich describes his reception and acceptance into the Wilmington community: "I never new what grits was….for the most part I appreciated the warmth that people have….people are very friendly."
(April 14, 2011)
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Act Quick Before It's Gone
Imagine what it would feel to look STRONGER, TALLER, and to be MORE CONFIDENT in every social situation..the good news is it doesn't have to remain in your dreams or imagination!
As you try StepUps you'll be amazed at how COMFORTABLE you are though you may notice that the world looks a little different when your that much TALLER AT THE TOP..
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ftc disclaimer: claims made will of course vary between individuals and we shallnot be held responsible.
Some jobs do require or at least favor tall people, including some manual labor jobs, most professional sports, and fashion modeling. U.S. military pilots have to be 64 to 77 inches (160 to 200 cm) tall with a sitting height of 34 to 40 inches (86 to 100 cm).
These exceptions noted, in the great majority of cases a person's height would not seem to have an effect on how well they are able to perform their job. Nevertheless, studies have shown that short people are paid less than taller people, with disparities similar in magnitude to the race and gender gaps.
A survey of Fortune 500 CEO height in 2005 revealed that they were on average 6 ft 0 in (1.83 m) tall, which is approximately 2–3 inches (5.1–7.6 cm) taller than the average American man. 30% were 6 ft 2 in (1.88 m) tall or more; in comparison only 3.9% of the overall United States population is of this height.[4] Similar surveys have uncovered that less than 3% of CEOs were below 5 ft 7 in (1.70 m) or taller than 6 ft 2 in (1.88 m) in height. Ninety percent of CEOs are of above average height.
Others believe that height has a significant independent impact on economic success, pointing to specific instances of height-based discrimination.[6] Surveys of attitudes do reveal that people both perceive and treat people of shorter stature as inferior,[7] and that economic differentials exist which may be the result of height discrimination.[8] The relationship between height, cognitive ability, and discrimination based on height remains a subject of debate.
Heightism is also a factor in dating preferences. For some people, height is the major factor in sexual attractiveness.
The greater reproductive success of taller men is attested to by studies indicating that taller men are more likely to be married and to have more children, except in societies with severe gender imbalances caused by war.[10][11] Quantitative studies of woman-for-men personal advertisements have shown strong preference for tall men, with a large percentage indicating that a man significantly below average height was unacceptable.
Conversely, studies have shown that women of below average height are more likely to be married and have children than women of above average height. Some reasons which have been suggested for this situation include earlier fertility of shorter women, and that a shorter woman makes her mate feel taller in comparison and therefore more masculine.
It is unclear and debated as to the extent to which such preferences are innate or are the function of a society in which height discrimination impacts on socio-economic status. Certainly, much is always made in newspapers and magazines of celebrity couples with a notable height difference, especially where a man is shorter than his wife (for example, Jamie Cullum, 5 inches (13 cm) shorter at 5 ft 6 in (1.68 m) than Sophie Dahl, though the difference is often exaggerated).
In college and professional basketball the shortest players are usually well above average in height compared to the general population. In men's professional basketball, the guards, the smallest players, are usually around 6 ft 0 in (1.83 m) to 6 ft 3 in (1.91 m), the average height for basketball players is about 6 ft 8 in (2.03 m) and the centers, the tallest players, are generally from 6 ft 10 in (2.08 m) to 7 ft 2 in (2.18 m).
In weightlifting shorter levers are advantageous and taller than average competitors usually compete in the 105 kg + group.
Football (Soccer)
In present-day football, for wide, central and attacking positions height is not considered important[73], with some of the best players in the world being shorter than average and in many cases gaining an advantage with their low center of gravity e.g. Maradona 1.65 m (5 ft 5 in)); Roberto Carlos 1.68 m (5 ft 6 in); Garrincha, Lionel Messi, Romário 1.69 m (5 ft 6 1⁄2 in); Xavi, Makélélé, Iniesta 1.70 m (5 ft 7 in). However, height is generally considered advantageous for some forwards who usually aim to score with their heads, such as Jan Koller and Nikola Žigić
In the media, heightism can take the form of making fun of people whose height is out of the normal range in ways that would be unseemly if directed at skin color or mass.
The portrayal of short men in the media is in general negative. In general, short statured men are portrayed as unsuccessful in career, romance, etc. (e.g., Spence Olchin, Bud Bundy, and George Costanza) or they are unlikeable tyrants in need of compensating for "something" (e.g. Lord Farquaad). Notable exceptions are roles played by Michael J. Fox (especially Mike Flaherty from the TV series Spin City, where a short man is portrayed as an attractive and likable person, who is successful both in romance and career), and Kevin Connolly's portrayal of Eric "E" Murphy in HBO's television series Entourage
Similarly, shorter men are often denied leading roles. Although some famous cinema actors such as Alan Ladd and Tom Cruise have been short in real life, in their fictional depictions they have been presented as taller.
When Daniel Craig was announced as James Bond in 2005, intense criticism of the casting decision (made by EON Productions) included the notion that the actor was too short to play 007, even though at 5 ft 10 in (1.78 m) Craig is above average height for a white British male.
In 1987 the BBC comedy series A Small Problem imagined a totalitarian society in which people under the height of 5 feet (1.5 m) were systematically discriminated against. The program attracted considerable criticism and complaints which accused the writers of reinforcing prejudice and of using offensive terms; the writers responded that their intention had been to show all prejudice was stupid and that height was chosen randomly.
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Used Buick Verano in Glen Burnie, MD
Don't Overpay For A Used Car
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Orlandojobz.com which is tagged along with Hiringorlando.com is one of jobamatic most professional looking job site. Local seekers can search thousands of jobs in the Orlando area.
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By Cindy Songne, Simply Hired
Recruitment advertising agencies remain a valued partner of many corporate recruiting teams and continue to play a significant role in the development and implementation of their sourcing and recruiting strategy. Cindy Songne, Senior Director Agency Relations at Simply Hired, has served as the liaison between job boards and these agencies for many years. Her biweekly column will explain the role, practices and business model of agencies and the best approaches to developing a sound business relationship with them.
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By David Bernstein, eQuest
While metrics and analytics have always played a role in recruitment, it wasn't until the advent of Big Data that recruiters and employment sites began to consider how best to acquire and exploit the huge volume of data now available. David Bernstein, Vice President of the Data Analytics Division at eQuest, has been at the forefront in thinking through these issues. His biweekly column will examine emerging opportunities and best practices for leveraging Big Data to make decisions and take actions that are better informed.
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I made my heart dedicated to you
Love you more
Same to you I love you so much<3
If I tell you I'll have to kill you just joshin do you really wanna know it begins with a K
I've missed you too, bro<3
I love you so much thank you I love you
Oh shucks thanks tell Mrs. Darbus that!!
Thanks so much, bro beans!!! Nice self
Man I haven't been on Tumblr in 345356 years I'm sorry say you'll remember I will love you til the end of time but I've missed you geysers I love you all Wildcats


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WSI are a full service Digital Marketing agency. Offering website design, social media and internet marketing solutions across a range of industries. WSI has offices in Berkshire, Bristol and Worcester.
WSI is a Global Internet Consultancy
organisation with over 1200 consultants
and 30,000 clients worldwide
Discover more about WSI
Each of our offices have
resident designers ready to
offer creative solutions,
website design, html newsletters,
logos and brand, print media. Discover More
Experienced and trained staff
Google Adwords qualified consultants
Digital Marketing pro consultants
Regular attendees at Innovation and
Excellence training
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Our resident experts know how to deliver
search optimisation, search marketing
social media optimisation
reputation management.
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Each office operates with a small team
The team believe in working closely
with their clients, building trusted
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The Offices in
Berkshire, Bristol, Worcester
are operated by 6 senior level
consultants and support staff service
over 100 clients
Berkshire | Bristol | Worcester
WSI have over 30,000 clients worldwide covering a plethora of industries.
Have a look at our portfolio of work by clicking on one the links below:
Discover More
The Portico Project
The Portico is a locally owned start-up company, working for local family and independent businesses through the Malvern Hills District.
Buckley Yacht Design
Buckley Yacht Design creates unique and innovative yachts, who actively encourage input from yacht owners to incorporate their own concepts or ideas into their design.
Langstone Tecnology Park
Langstone Technology Park is managed by Fasset Ltd and offers managed offices, manufacturing and laboratory space in Havant. They have been clients of WSI Membury for 5 years but have recently undergone a rebrand.
Lead Creative
Marketing Apprentice
Berkshire 01488 72281
Bristol 0117 325 3250
Worcestershire 01905 758034
Find us on Google+ Local


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Catherine Becker Grinds up Husband's Penis in Garbage DisposalStrange News — By Dave on 2011/07/13 12:50 AM
California woman, Catherine Becker, cut off her husband's penis, threw it in the garbage disposal and then grind it up. Upon her arrest, she told police: "He deserved it." Ouch!
Catherine Kieu Becker, 48, is said to have drugged her husband's dinner at their home in Garden Grove, just south of Los Angeles, on Monday night so he'd be sleepy.When he woke up, she cut his penis off, put it in the garbage disposal and turned it on. Then she called 911.
When officers arrived, they found her husband bleeding from his crotch.The 52-year-old man was rushed to UCI Medical Center, where he is now in a serious condition following emergency surgery.
Becker has been charged with aggravated mayhem, false imprisonment, assault with a deadly weapon, administering a drug with intent to commit a felony, poisoning and spousal abuse.
Tags: Catherine Becker, Catherine Becker garbage disposal, Catherine Becker Grinds up Husband's Penis, Catherine Becker penis, Catherine Kieu Becker, cut off, Cut Off Penis, garbage disposal, Garden Grove, husband, news, odd news, penis, video, wife, Wife Cut Off Husband's Penis, Wife Grinds up Husband's Penis in Garbage Disposal, woman, Woman cuts off husband's penis,


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What a wonderful week!
My husband & I were thrilled with this spacious cottage. Easy access to the beach, restaurants & family. Perfect for our July birthday BBQ with friends or a quiet night in just the two of us. Lovely neighbors & neighborhood. We have been home only a few hours & we already miss MP.
Just what we needed
This is a lovely, relaxing, rustic cottage in a quiet seaside community. If you're looking for luxury or action, go elsewhere, but if you're looking for long, slow afternoons of reading, swimming or simply sitting on the front porch - it's hard to beat this spot. The house is large and homey. It's old and a bit quirky in its layout, but it's well-provisioned. The beds are comfortable and there's plenty of fans for the warmish nights. We particularly liked the many options for eating and gathering - front porch, screened in side porch, large dining area, picnic table in back. Our only struggle (a tiny one) was that there's only one shower. If we'd had more bath takers, it would have been less an issue. In short, we'd return in a heartbeat.
Narrows Island
My wife and I have been going to Narrows Island for the past several years. We live busy lives and always look forward to spending time at this spot. It is a beautiful place that is private, quiet, and relaxing. Great for the two of us (and our dog) and family / friends who stop by to visit. Owner is always very accommodating and friendly. As I sit here and write this, I can't stop thinking about going back next year.


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Newcastle University is home to a diverse and cosmopolitan community with over 4,000 international students from over 110 countries worldwide.
From our records, the first time an Australian student graduated from Newcastle was in 1946. We are delighted that you are considering studying at Newcastle and hope to welcome you to the University in the near future.
The most popular undergraduate course amongst Australian students at Newcastle University is Music
At postgraduate level, the most popular courses are Business and Marine Technology.
The following subject areas taught at Newcastle University are areas of interest to Australian students:
- Combined studies
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- Music
- English studies
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- Economics
International Office and academic staff visit different countries throughout the year and this may include a visit to your region, so please refer to the country visits page for our latest travel plans.
Newcastle University is represented by a number of education agents who can provide further information about studying here and assist with your application. We are yet to appoint an agent in your region, so please contact the International Office at email@example.com if you would like further assistance.
Newcastle University is pleased to offer a range of scholarships for international students at both undergraduate and postgraduate level.
For full information about the scholarships available, please refer to our scholarships section.
"Studying music at Newcastle is unlike anywhere else in the world. The subjects and classes available are immensely diverse and interesting and cover a wide range of musical tastes and interests."
Hannah Music BA Honours
We have details of support and guidance on visa applications on our University website.
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text:
Taxing a Commodity With and Without Revenue Neutrality: An Exploration Using a Calibrated Theoretical Consumer Equilibrium Model
AbstractIt has long been recognized that taxing a commodity that generates negative externalities can be used to reduce the consumption of that commodity. A variant involves the imposition of revenue neutrality but that may alter the tax rate required to meet a consumption reduction target. We explore the relationships among the commodity tax rate, the demand and supply elasticities, and the revenue offsets by calibrating a theoretical consumer equilibrium model and then recalibrating it with alternative parameter configurations. For each configuration we simulate equilibrium for three policy scenarios: no neutrality, neutrality achieved by subsidizing other commodities, and neutrality achieved by income transfer.
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Bibliographic InfoPaper provided by McMaster University in its series Quantitative Studies in Economics and Population Research Reports with number 445.
Length: 24 pages
Date of creation: May 2011
Date of revision:
Handle: RePEc:mcm:qseprr:445
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Related researchKeywords: Consumer Market Equilibrium; Commodity Taxation; Revenue Neutrality;
Find related papers by JEL classification:
- H23 - Public Economics - - Taxation, Subsidies, and Revenue - - - Externalities; Redistributive Effects; Environmental Taxes and Subsidies
- D11 - Microeconomics - - Household Behavior - - - Consumer Economics: Theory
- D58 - Microeconomics - - General Equilibrium and Disequilibrium - - - Computable and Other Applied General Equilibrium Models
This paper has been announced in the following NEP Reports:
- NEP-ALL-2011-11-01 (All new papers)
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Berkley, Michigan is located in Oakland County. Berkley has a population of 15,025 and has shown -3.3% growth since 2000. Of the 6,642 households in Berkley, 80.3% are owned, 14.8% are rented and 5% are not currently occupied. The median age of homes in Berkley is 51 years and 53.0% of the homes have been occupied by the same residents for more than 5 years. Learn more about Berkley, Michigan real estate at coldwellbanker.com.
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The aim of this article is to explain how deeds of variation can be used to alter the position of a deceased person's estate and how to register a deed of variation with HM Revenue & Customs (HMRC) in the UK.
deed of variation is a legal document which can be utilised where a person has received an asset via a Will (including a trust within the Will) or the intestacy rules, but the person would like to vary how they benefit or redirect who benefits from the asset. Providing the formalities of the deed are fulfilled then any entitlements given up will, in effect, be treated as having taken place on the donor's death, ie effectively rewriting the Will.
There are a number of reasons why a deed of variation may be used to redirect assets as described above, but primarily it is for tax planning opportunities. Some examples of this are discussed later in this article.
Mr Jones dies and leaves a valuable painting, worth £50,000, to his son John Jones. John Jones is wealthy in his own right and has his own inheritance tax (IHT) issues. Therefore, John Jones executes a deed of variation redirecting the ownership of the painting to his adult daughter, Jane Jones. Assuming all formalities are adhered to, then for IHT purposes, it is as if the gift had been left directly to Jane.
Anyone who receives an asset via a Will or intestacy can execute a deed of variation providing they have mental capacity and are considered legally capable (ie they are age 18 in the UK). All parties who hold a beneficial interest in the asset that is to be redirected must be party to the agreement.
Peter has included a Will trust within his Will, which provides an income for life to his wife Grace and on her death the assets providing the income should be held for Mary and Joe, Peter and Grace's children. Grace does not require the income so would like to 'vary' her right in favour of the children.
Where minor beneficiaries of the Will are required to be party to a deed of variation, unless consent is gained from the Court, it is not possible to execute a deed of variation.
For a deed of variation to be effective for IHT and capital gains tax (CGT) purposes the following formalities need to be fulfilled:
Yes. If the asset that is subject to the deed of variation has changed, it is still possible to execute a deed of variation.
Christopher was left £100,000 in his father's Will. Not needing this money, Christopher invested the money into a life assurance investment bond. Six months later Christopher was discussing his own potential inheritance tax liability with his financial adviser. They recommended that as Christopher had no need for this money that he executes a deed of variation in relation to the £100,000. It was still possible to do this even though the £100,000 had been transferred to a life assurance investment bond.
Yes. Generally such a trust would be a discretionary trust. Any variation into a trust made by a valid deed of variation for IHT purposes will have effect for IHT. Any person who executes such a variation will automatically become the trust settlor for income tax and CGT purposes but not IHT purposes.
Let us assume Harvey executes a deed of variation on his father's Will, creating a discretionary trust. The trustees invest into a life assurance investment bond and request withdrawals. For income tax purposes, Harvey is deemed to be the settlor of the trust created under the deed and is therefore assessable to income tax if a liability arises.
A draft deed for a discretionary trust is available from Royal Skandia for consideration by a legal adviser.
Since 1 August 2002 it is only necessary to inform HMRC of a deed of variation if the tax position is changed by the variation.
If the tax liability is changed by the variation, a copy of the deed of variation along with a completed checklist, known as 'IOV2 Instrument of variation' should be sent to the Capital Taxes Office which dealt with the IHT account previously. HMRC also ask that their reference number or the full name of the deceased and the date of death is quoted in correspondence. The checklist is available from the HMRC website www.hmrc.gov.uk/cto/forms02/iov2_2.pdf.
Nil-rate band (NRB) planning
One of the main reasons for using a deed of variation prior to the Finance Act 2008 was to ensure that the NRB was used between spouses/civil partners*.
Mr French dies and leaves his whole estate, an amount of £500,000, to his spouse. Although there is no IHT due on Mr French's death, Mrs French's estate is now worth £1,000,000 and on her death 40% IHT will be due on amounts over the NRB.
Historically, a deed of variation could have been executed which, for example, could have left Mr French's NRB discretionary trust leaving the NRB to the children and the rest of the estate to his spouse – this would still mean no IHT was due on Mr French's death but less tax should now be payable on Mrs French's death. Mrs French could still have benefited from the trust but the trust assets would not form part of her estate for IHT purposes.
However, the Finance Act 2008 included legislation to allow the transfer of a deceased spouse's or civil partner's* unused NRB to the surviving spouse or civil partner, up to 100% of the current NRB at the time the survivor dies. This option to transfer a deceased spouse's or civil partner's unused NRB will be effective for death of the survivor on or after 9 October 2007.
* As defined by the Civil Partnership Act 2004.
Planning opportunities
It may still be appropriate to execute a deed of variation to mitigate IHT.
Tony's father has left him £100,000 in his Will. Tony does not require the money and would like to skip his generation and pass the money to his children. A deed of variation can be used to achieve this and any gift will be deemed to be from Tony's deceased father and not from Tony.
Double death variations
It is possible to vary assets in an estate once; however, if a husband and wife die within two years of each other, it is possible to effect a deed of variation in respect of both Wills.
Both the husband and wife's executors along with the beneficiaries of the Will must be party to the deed for IHT purposes.
Deeds of variation and civil partners
All rights between husband and wife equally apply to registered civil partners as defined by the UK Civil Partnership Act 2004, since 2 December 2005.
Pre-owned assets
Pre-owned assets tax (POAT) does not apply to deeds of variation because the settlor for IHT purposes is regarded as the deceased person.
Following the changes introduced by the Finance Act 2008, allowing the transfer of unused NRBs between spouses/civil partners on death, it is likely that the use of deeds of variation will reduce. However, tax mitigation is not the only use of a deed of variation and it should still be considered as part of long-term financial planning.
This article is based on Skandia's interpretation of the law and HM Revenue & Customs practice as at April 2013. We believe this interpretation is correct, but cannot guarantee it. Tax relief and the tax treatment of investment funds may change.
Skandia does not accept any liability for action taken or refrained from being taken due to the information contained in this or any related article.
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text: Visit Requests The are several things to keep in mind when you are requesting a Visit Request be sent: It is important that the individual needing the visit request complete the Visit Worksheet in full to include complete location, fax number, POC, etc. It is not the responsibility of the RSA office to get this information. We do not know where you are visiting or where you need access to. Please verify all the information is correct on the worksheet prior to sending to the RSA The RSA office does not have time or the manpower to pull files and find out what facilities that individuals have requested in the past. This, again, is the responsibility of the individual needing the visit request sent Lastly, the visit worksheets need to be submitted to the RSA 10 days prior to the visit when possible in order to avoid a possible denial of entrance at the site of your visit. We will continue to do our best in supporting each and every one of you in a timely manner. Your assistance with this matter is greatly appreciated.


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Coup D'etat: Axe Dusty Now!
Until today I have been fairly steadfast in my support of Dusty Baker. I have been known to say time and again: "I don't agree with many of his on-field moves, in fact I think he is a bad tactical manager... but his teams win and we couldn't replace him with a better manager, so I say Dusty stays."
Today, I particularly disagreed with the decision to replace Jason Dubois with Jose Macias, and the decision to pull Greg Maddux.
As of today, I have officially stopped trying to defend Dusty Baker. In fact, I'm on the fire Dusty Baker bandwagon. The rest of the CBA also seems to be smelling blood after today's game.
- "I'm ON the bandwagon -- the one ready to ride Dusty Baker out of town." - Al Yellon, Bleed Cubbie Blue
- "There were a few positives in the game like Jason Dubois, the continued brilliance of Derrek Lee, the continued surprise that is Neifi and a nice 8 inning; 96 pitch performance by Greg Maddux. Of course Dusty managed to negate all of that. Way to go Dusty...way to go!" - Rob Glowacki, The Cub Reporter
- "The season is young but Dusty has already cost us five wins. This is going to be a miserable, long and extremely frustrating season unless something changes soon... How did Dusty ever get his phony reputation of being a top manager?" - Bill Kelly, Rooftop Report.
- "I am so frustrated with the team. I never thought I would say this, but I am officially Anti Baker. He has no business being the Cubs manager anymore. I'm tired of his crazy pinch hitting decisions. I'm tired of his bullpen decisions. I'm tired of his pathetic excuse for managing. The time has come to make a change. It's time to get a guy with some fire that will challenge his guys to meet their expectations." - Joe Aiello, View From the Bleachers
This isn't a list of half-drunk johnny-come-lately's with nothing better to do than start a blog and post when they are pissed... look at the list of Blogs calling for Dusty Baker's head today, Bleed Cubbie Blue, The Cub Reporter, View From the Bleachers, Rooftop Report, we know Sloth, Ivy Chat, Cub Fan Nation, and the whole Desipio gang are out for Dusty's head... Mike Comar of Cubs Pundit has recently re-titled his blog, Fire Dusty Baker. In other words, I really think Dusty lost Cubs fans today. I personally gave him a million-and-a-half chances... and I'm done. Dusty Baker sucks.
alright, the Cubs obviously need me. I'm coming home.
Once I get my PC back online, I'll update the Fire Dusty meter.
Jason R.
Is the meter up to "Please" yet? Maybe "Pretty Please"
Yeah, another "great" decision by Dusty - pulling Wuertz in favor of Mike "Greyhound" Remlinger against the Cardinals.
Bottom 8, still 1-0 Cards, Remlinger swaggers out of the bullpen to the delight of the then-slumping Larry Walker, who has a .440 lifetime average against ol' Mike. Larry slaps one over the wall, and then the game is done.
I would love to see Dusty managerialize his head out of his ass.
So long Dusty, so long Macias, so long Hollandsworthless, please, could it happen?
damn goat....


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Fighters Ink Tattoo (former's name is Focus Tattoo Studio) - Kira Body Art & Tattoo
Kira The tattoo artist and Body paint creater from Phuket, Thailand.
We provide permanent tattoo with custom design.
To cover up and re-color are also do service.
Always brand new needles, sterilize equipments and tools for every single customers.
Good quality and clean guarantee.
Besides the permnent tatoo we also do the temporary tattoo.
Which is last for 10 days. Well-known as Henna Tattoo.
Very poppular one for anybody who are not ready for real tattoo.
But want to have some cool tattoo design on their body during their holiday or for some fun event.
Color Body Paint. Color up your body with air brush / free hand painting brush. We provide services for spcial event, fashion show, party, school event & ect.
Focus Tattoo Studio is based in Phuket, run by a long term experienced femal artist Ticky. Ticky is very good at her job and capable to ink in all style of tattoos. The good quality of tattoo works and hygiene are guaranteed.


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TurboTax Deluxe 2012 is the best tax preparation software for most people, according to experts. It helps you navigate through typical tax issues, and free expert help is just a phone call or web chat away. Reviewers unanimously find TurboTax simpler to use than other brands. For complicated tax situations such as multiple stock sales or rental property income, you'll get more in-depth guidance from TurboTax Premier 2012 (*Est. $75) . TaxACT Online Ultimate 2012 (*Est. $20) covers all the same topics but with less handholding.
Better than other brands. TurboTax really outshines its rivals here. It's so easy to use; Macworld's Jeffery Battersby gives it a perfect rating. "TurboTax remains the only reason I'm willing to file my personal taxes on my own," he says.
First, TurboTax imports tax data better than competing brands. In Tim Gray's test of the Premier version for The New York Times, "all of the unchanged data from 2011 -- names, addresses, federal ID numbers, even descriptions of business expenses -- popped into the right places on the 2012 forms. Even the names of the charities we support carried over. The software also imported my wife's W-2 and all of the information on our investments. All I had to do was key in details for a few local banks and update the amounts we'd given to charity." Deluxe has the same importing capabilities.
Next comes the Q-and-A, and experts say TurboTax does this better, too. Questions are easy to understand. You can skip around if you like, says About.com's Shelley Elmblad, unlike H&R Block's software that forces you to answer questions in order.
If you hit a snag, TurboTax offers the best built-in tax help, or you can chat with a tax expert online or by phone; it's free and unlimited all year. TaxACT offers unlimited free email and phone help, too. With H&R Block At Home Deluxe 2012 (*Est. $50) , you get one free chat or email session with an expert.
With simpler questions, you might find extra tax breaks. Any decent tax software will do the math correctly, experts say. But you can still wind up with different tax bills or refunds from various brands. Experts unanimously find TurboTax's Q-and-A the easiest to understand, which can help you give accurate answers.
In a test for a CBS News affiliate, three taxpayers tried all three major software brands' free versions. One woman got $60 more back from the state with TurboTax because the program helped her understand that she qualifies for a renter's credit. She found the renter's question unclear with TaxACT Free Edition 2012 and H&R Block's free software didn't even ask. Paid versions offer more guidance, which can help users answer the questions correctly.
Covers most people's tax situations. TurboTax offers cheaper and pricier versions, but Deluxe hits the sweet spot, guiding you through the tax topics that most people need. Home mortgages, childcare, student loans, medical expenses and retirement income are all covered. Like its rivals, TurboTax Deluxe includes a donation assistant. You type in items you gave to charity such as clothes and housewares, and the program tells you how much they're worth, then adds them all up. It's an easy way to make sure you deduct the proper amount, reviews say.
However, TurboTax charges $60 extra for Audit Defense. If you buy it before you're audited, TurboTax will handle your correspondence, schedule and attend appointments, and defend your return for seven years. TaxACT's similar service costs $40 while H&R Block's software includes it for free.
Boxed and downloadable versions of TurboTax Premier include federal software and one free download of state software. Five free federal e-files are included, but state e-filing costs $20. If you need only one federal e-file, you can save some money by doing your taxes on the secure website; TurboTax Deluxe Online 2012 (*Est. $30) charges $37 extra for state software and e-filing.
All TurboTax versions are compatible with Windows and Mac. Most, including Deluxe, are compatible with iPad, Android, Kindle Fire and Chromebook for the same price as the regular online versions.
|TurboTax Deluxe Federal + E-File + State 2012
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1. PCMag.com
Review Credibility: Excellent As usual, TurboTax is the Editors' Choice for tax software here. Yakal tests and recommends TurboTax Deluxe over the Premier version, finding it easier to use than other brands. Premier offers more guidance for investments and rental properties, but she points out that you can still enter that type of data in Deluxe. And if you don't have any of those, you don't need Premier.
Review: TurboTax Deluxe Online (Tax Year 2012), Kathy Yakal, Jan. 25, 2013
2. The New York Times
Review Credibility: Excellent After testing all three major tax software brands' premier versions, Gray prefers TurboTax. TaxACT works fine, he says, but TurboTax imports more information from last year's return. He finds installing the H&R Block software problematic.
Review: Three Programs, Two Ways: Test-Driving the Tax Software, Tim Gray, Feb. 9, 2013
3. Macworld
Review Credibility: Excellent TurboTax for Mac outscores H&R Block At Home software here, earning a rare 5 stars out of 5. Battersby says TurboTax is "the best, easiest to use tax filing product on the market," and it's what he personally uses to file his taxes.
Review: Review: TurboTax 2012 for Mac, Jeffery Battersby, Feb. 28, 2013
4. About.com
Review Credibility: Very Good About.com's guide to financial software tests fewer types of tax software than other experts. After thorough evaluations of both TurboTax and H&R Block At Home, Elmblad prefers TurboTax. It's easier to use, she says, although H&R Block At Home does include free audit support.
Review: TurboTax 2012 Tax Software Review, Shelley Elmblad, Not dated
5. KMAX (Sacramento, Calif.)
Review Credibility: Very Good This Sacramento, Calif., CBS affiliate asks three people with simple tax returns to try the free versions of all three major software brands. One gets an extra $60 back in her state refund from TurboTax because it was the only program that asked about her renter's credit in an easy-to-understand way. Another gets a $9 bigger state refund from H&R Block At Home, but doesn't know why.
Review: Call Kurtis: The Great Tax Test: Which Tax Preparer Gave the Biggest Refund?, Kurtis Ming, Feb. 21, 2013
6. Amazon.com
Review Credibility: Good TurboTax Deluxe gets 4.2 stars out of 5 in more than 1,200 user reviews here. Most award it a perfect 5 stars, although some wonder why a product listed as "Federal + E-File + State" charges extra for state e-file.
Review: TurboTax Deluxe Federal + E-File + State 2012, Contributors to Amazon.com, As of March 2013
2 picks including: Los Angeles Times, Macworld…
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