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The internet, which is exciting and helpful for human resources, is becoming dangerous in today's world. According to Cybersecurity Ventures, the damage caused by cybercrime is predicted to reach $6 trillion by 2021. Below are some more numbers and must-know facts highlighting the importance of cybersecurity.
The Overall Impact of Cybercrimes
There are multiple facets to cybersecurity, but let us start with its overall impact on industries and the global economy.
- 68% of businesses fear their data risks are increasing gradually. (Accenture)
- The government, tech, and retail are victims in 95% of cyberattacks. (Varonis)
- Roughly 1 in 3 open phishing emails in the U.S., with again 12% clicking on the infected links or attachments. (Verizona)
- Over 53% of the millennials were the victims of cybercrime recently. (Arabian Business)
- Approximately 95% of cloud security failures result in the fault of the customer. (Gartner)
Hopefully, the above stats tell you where to start to improvise the security posture of your business.
Data Breaches
Data breaches uncover all the sensitive information of users, leaving them at risk of identity theft, or destroy the long-built reputation of companies, and leave them liable for compliance violations. While the United States focus more on it, the number of data breaches are also growing alongside.
- Over 130 large-scale data breach happens annually, with the number rising by 27%. (Accenture)
- 1 billion data was exposed of breach in the Q1 of 2019. (RiskBased)
- Around 71% of these attacks were financially interested, whereas 25% were targeted by spying. (Verizon)
- 52% of breaches included hacking, 32–33% were phishing or social engineering, and 28% were malware. (Verizon)
In case, if your industry has its data breached, be ready to lose about $4 million down the drain, as per a recent report by Security Intelligence. Any given company worldwide has to invest large amount of time to address the issues. However, if your company is based out in the U.S, the cost will double, making it $7.91 million.
Given this fact, the companies consume minimum of six months to detect the breach, so we recommend you to stay safer by employing strong preventive measures.
Compliance and Government Laws
It is more dangerous than ever for the companies overlooking the data breaches and other security errors. As stricter rules are passed in various regions across the globe, the consequences will be severe if they fail to abide by it. Some of the robust regulations that emerged in recent years include the European Union's General Data Protection Regulation (GDPR) and California's California Consumer Privacy Act (CCPA). If you did not know,
- Over 88% of companies spent beyond $1 million for their GDPR readiness. (CSO Online)
- In the first year of enforcement, 89,000 data breaches recorded, and 144,000 complaints filed with GDPR enforcement agencies. (EDPB)
- Google had to pay a $57 billion fine for its GDPR violations. (TechCrunch)
- Over 1,000 news sources blocked all its EU readers to protect themselves from the GDPR penalty. (Nieman Lab)
So, keep in mind that inadequate data security can cost you even if your data is not breached or hacked by cybercriminals. The newly emerged regulations are increasingly making insecure data practices financially risky.
Facts on Security Spending
Global cybersecurity spending in 2020 will reach an all-time high, and these costs associated with cybercrimes can sometimes be crippling to industries that failed to prioritize security over other elements. The more number of decision-makers and top-level executives are realizing the importance of cybersecurity investments, and thereby spending more on it.
- The average data breach cost is $3.9 million. (IBM)
- $2.6 million is the average cost of malware attack. (Accenture)
- $150 is the average cost per data stolen. (IBM)
- Over half of the large enterprises are investing more than $1 million annually on cybersecurity. (Cisco)
- The U.S and the Middle East spend more on post-data breach activities. The cost comes around $1.56 million in the U.S. and $1.43 million in the Middle East. (Ponemon Institute)
This shows how cybersecurity is experiencing unrelenting growth and moving towards the big market. In short, we can expect 14-15% YoY cybersecurity market growth by next year, compared to the 8-10% growth foreseen by analysts.
Final Note
The above figures are primarily intended to be a wakeup call for businesses relying on storing sensitive data online. It potentially speaks about the challenging reality one has to face if their security system is overlooked. However, with the utilization of the right strategy and sophisticated methods, one can see a promising future in terms of cybersecurity.


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A beautiful wedding party at Borgo Casabianca. We think that when Caroline and Gavin (AKA the bride and groom!!!) from England decided to marry here they were not looking for a busy hip-hop location but for good Italian food and Tuscan landscape!!
Borgo Casabianca wedding – 4 Videos of the party
Borgo Casabianca (Loc. Casa Bianca, 53041 Asciano – SI) is an incredible resort nestled in the beautiful hills of Tuscany, the atmosphere at the location is so calm and peaceful, the pool with great views of the Tuscan hills is simply spectacular and there's also a cookery school where you can learn the basics of the Tuscany cuisine, cook a complete menu (cooked by your hands!!!), to be tasted after.
Okay, let's go back to that: the big day!
The ceremony and aperitifs takes place outdoor on the grass near the pool, the dinner in the romantic garden under the big trees and the party after dinner in the courtyard alongside the restaurant.
Borgo Casabianca – The party
Guty & Simone set up a sound system+wireless microphone nearby the dinner table for the entrance song/ background music and for the speeches during dinner; then they set up their main sound system, instruments, dj gear, lights system in the courtyard for the after dinner dancing party; the after dinner Live performance +Dj set by Guty & Simone begin suddenly after some traditional Jewish dances as the chair dance where a few strong guests hoist the bride and groom high above the crowd on chairs to the sounds of the Hora… the dances goes on till late in the night and everybody dance to the live and dj music of Guty & Simone the Italian wedding musicians from Tuscany!!
Live music and Dj set by Guty & Simone, the Italian wedding musicians
Wedding planner: Brenda Babcock from Italia Celebrations
Home page – Videos – Standard package – Extra packages – Repertoire – Tuscany – Florence – Siena – Umbria – Rome – Italy – Venues – Contacts
The wedding band Borgo Casabianca – suggested links:
– Top wedding venues in Italy
– Borgo Tre Rose – Montepulciano
– Casa Bruciata, Umbria
– Terre di Nano, Tuscany
– Villa Catignano Siena Tuscany
– Villa Valentini Bonaparte (between Umbria and Tuscany)
– Casa Cornacchi, Bucine, Tuscany
– Borgo di Tragliata, Rome
– Villa Cora – Florence
– Casale Doria Pamphilj – Rome
– Abbazia Sette Frati, Umbria
– Via della Stella, Montepulciano, Tuscany
– Castello di Petrata, Assisi, Umbria
– Get an amazing wedding video with the "Italian wedding videographers" team!
– Visit Italian Wedding Musicians – www.italianweddingmusicians.com – Wedding music, audio and lights for your wedding in Italy
– Get your SIAE permit online

subset: commoncrawl


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People in difficult financial situations—including those with bad credit—typically endure an uphill battle in finding viable financial solutions. In such cases, the most common options for short-term loans are payday lenders or traditional bank overdrafts.
Unfortunately, consumer advocacy groups tend to paint payday lenders as the bad guys due to their high-interest rates for payday loans. But by looking at financial data, this criticism is more-or-less unwarranted with what banks charge for overdrawn accounts.
The Hidden Truth of Traditional Bank Overdraft Fees
A rarely discussed topic among consumer advocacy groups is traditional banks raking huge profits from unscrupulously high fees on insufficient funds. According to data from the Consumer Financial Protection Bureau (CFPB), banks make more than $17 billion annually from insufficient funds and overdraft fees.
Unless consumers take an active initiative to monitor their bank accounts consistently, insufficient fund fees can quickly add to exorbitant amounts. For example, let's assume that a bank charges an average fee of $35 for every transaction that exceeds the level of funds in a checking account. A slight $10 overdraft could result in a $35 NSF fee, equating to an interest rate of 350% (per transaction).
To make matters worse, news reports—and even lawsuits—suggest that some traditional banks purposively manipulate the system to claim more overdraft fees. The prevalence of these overdraft practices is reiterated by articles appearing in Forbes and ABC News. The subject of burdensome overdraft is even touchier today amid the COVID-19 crisis as banks capitalize on unsuspecting account holders to make huge profits.
The Less-Discussed Benefits of Payday Loans
Contrary to traditional banks' overdraft facilities, payday loans are structured to be transparent and upfront with their fees. Sure, the interest rates may be higher than the average APR of credit cards—but this is to offset the higher risk of default.
Despite operating like high-interest loans, banks are not mandated to disclose their overdraft fees in terms of APRs. This nondisclosure means that a customer may incur triple (or even quadruple) interest rates without their knowledge. On the other hand, payday loans typically have a flat rate, and state laws regulate the chargeable amount.
PayDay Loans are as Fast and Easy as One Can Get
It's also worth noting that payday loans are easily accessible and available to consumers with low-income or lousy credit. This availability makes the short-term cash advances an invaluable resource for consumers who've been turned down for traditional bank loans.
Easier to access, fewer lending requirements, available to people with bad credit, and unsecured – the benefits of payday loans over traditional bank overdrafts should not be understated. With this in mind, it's advisable to steer clear of overdraft fees and other predatory practices in the mainstream banking industry.
If you find yourself in a tough financial situation, short-term cash advances from payday lenders offer a more transparent, cost-effective, and useful solution that overdrawing your account. Reach out to Cash Fast Loan Centers for more information on affordable payday loans to cover your bills or financial emergencies.


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Jay z billionaire unveiled his cannabis brand Monogram
The fact that Jay Z billionaire is now a force in the weed business no further has fair debate. Carter's high-end weed brand Shawn "Jay-Z," Monogram, showcasing on Thursday. This is their first 4-strained cannabis line in the California area. It comes with flowers and joints indoor-grown.
The flagship commodity of the company is "OG Handroll," which consists of 1.5 grams of "highly trained craftsmen" who employ a technique produced over a year by Monogram. The joint is made of a small flower and can smoke like a luxury cigar. And about half as much is retailed at $50.
Cannabis strains of Monogram — known as No. 88, No. 96, No. 70, and No. 01 and grown by the DeAndre veteran farm "De" Watson — come in three different strengths: "light" and "medium."
Partnerships bloom ahead
Subversive Capital Acquisition Corp.'s founder, chairman, and managing director Michael Auerbach, a special purpose buying corporation that announced a contract to buy Caliva's Monogram from Jay-Z and California last month.
"He's a real manager, he's not an Ambassador who once a year says anything nice about us," Auerbach says. "This, like Aces of Spades and D'Ussé, is the tip of our spear that building our brands house."
In 2019 Jay joined Caliva to establish Monogram as a chief brand strategist. SPAC of Auerbach reported in November 2020 an arrangement for the purchase of Caliva and Monogram, a joint partnership between Jay-Z and Caliva, the Left Coast Projects, which owns cannabis artist labels such as Marley Natural and Carlos Santana's Mirayo. The new Auerbach company's name is "The Parent Co." It received $575 million when it was listed last summer on the NEO Canadian Microcap Market.
It may sound like a joke for Jay to call it "The Parent Co.," but Auerbach says it's gravity! "The first centennial cannabis company is being built and it was being looked at in the same way," says Auerbach. "What is this industry's first 100-year-old business-like? Wie schaffen wir ein Generationsunternehmen, das die Industrie weltweit dominiert? And 'The Parent Co.' is a meta name that indicates what we want to do."
Shares and fairs
The whole stock transaction to buy 50 percent of Monogram from Jay-Z is yet to be completed, but it could be awarded 5 million shares of The Parent Company and 1 million additional shares. The Parent Co. has signed an exclusive deal for cannabis collaboration with Jay's Roc Nation. After the sale closes, the contract, which will cost the Roc Nation $25 million in inventory and gives The Parent Co. rights to and entitlement to the rosters of artists and sportsmen and men of Roc Nation.
The full equity deal for the purchase of 50 percent of Jay-Z Monogram remains to be done, but 5 million Parent company shares and an extra 1 million shares could be awarded. Parent Co. has reached to Jay's Roc Country for an exclusive cannabis partnership arrangement. After-sale is complete, the deal will cost Roc Nation $25 million in inventory and award Roc Nation artists and sportsmen and men their rights and entitlement to the rosters.
Certainly, this is just the newest organization in Jay-Z. He turned billionaire in 2019 as the first hip-hop rapper. Thanks to his set of 14 No.1 albums and 22 Grammy awards — which he owned as well as Armand de Brignac champagne and D'Ussé cognac and also his music streaming site, Tidal, Roc Nation and a vast variety of companies including Uber and Robinhood, Jay-Z, who grew up in the housing of the house of Marcy in Bedford-Stuyvesant, Brooklyn, created a fortune.
The success of Monogram
Once upon a time, Warren Buffett once told Jay, "He's the guy to learn from a young person who grows up." "He's a practical creative genius," Auerbach explains Jay briefly.
Monogram is the first brand from Jay-head Z's for The Parent Co. and more to follow. Auerbach claims that in the world of well-known brands, the Monogram approach is more Casamigos—the Tequila firm of George Clooney which Diageo acquired for $1 billion—and less CBD of Martha Stewart.
"I like celebrities to affiliate themselves with labels instead of brands. I wouldn't drink if it was named Casa Clooney — the people thought it was garbage and the people assumed it was a gimmick," Auerbach says. It's not enough. "Ace of Spades is not known by many, but is the fast-growing champagne company of Jay Z."
In a tweet, Jay-Z said that Monogram is here to celebrate cannabis craft." Cannabis has existed for millennia but is still an industry that's frequently overlooked in its legacy of skilled crafts," said Jay. "I produced Monogram to highlight the great hard work, time, and consideration needed to make a better smoke to give cannabis the respect it deserves. We're just starting."


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It seems somewhat illogical that we as sports fans become so attached to teams and players. Even in a transaction-heavy environment like professional sports we fervently support without regard to the possibility that a fan-favorite could become a former favorite within the blink of an eye.
Unfortunately, the Sacramento region knows this fact all too well at the moment. Aside from the noteworthy player move made by Sacramento's other professional sports franchise, the signing of Cameron Iwasa by MLS's Sporting Kansas City stands as the most impactful change made so far this year to the area's fandom landscape.
I suppose it warrants a mention that Iwasa was my favorite member of the Republic. While I am happy to see him pursue success at a higher level, it is certainly a bummer to lose a favorite player.
Could one really blame me for having this point of view given that Cam was born in raised in same city as the team he represented? Even setting aside his geographical relevance for a moment, the club-record 12 regular season goals he poured in last season endeared him to the fans. It certainly had the Tower Bridge Battalion singing his praises. It seems a pretty fair assumption to me that without his production, the Republic's season might have gone quite differently.
Iwasa signed with the Republic in 2015 after being selected by — but not signing with — the Montreal Impact in the MLS SuperDraft. While only appearing in 17 regular season matches his rookie season, the pace and energy he brought to the pitch was self-evident even if the production (1 goal, 1 assist) was not as of yet. The following season would see that potential production realized as playing time opened up.
In 2016, Iwasa made an appearances in all 30 regular season matches and started 27. In that time he scored a team-record 12 times and notched three assists. His aggression and pace aided in countless other attacks that did not finish in the opponent's net. He was the heart and soul of the attacking core. Very rarely does a hometown product perform at such stellar levels and so greatly influence the successes of their hometown team.
Seemingly, just as soon as Cam's light began to shine in Sacramento, it was noticed by a club with deeper pockets and a bigger stage to offer. As a Sacramentan and a Republic fan, I wish nothing but success for our departed scoring dynamo and hope the Republic can learn to adjust to life without Cam.


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When a loved one passes away, it can be difficult to visit the deceased's final resting place, especially if the death was sudden or tragic. Gravesites are usually peaceful places where surviving family members and close friends can go to find closure. It can be comforting to think of a loved one's final resting place as his or her new home. Many people decorate the headstones of their loved ones because decorating can help make the grave seem even more special and significant to the deceased. In this article, we explore some of the creative ways you can decorate your loved one's gravesite, so you can avoid spending a fortune to beautify your loved one's memorial.
Guide to Decorating Headstones
Whether your loved one's burial plot could use a pop of color or you are preparing the gravestone for future visitors, we think that you will find plenty of inspiration in our assortment of decorating suggestions and ideas.
- Small Stones: People of the Jewish faith believe that pebbles and small stones represent the permanence of memory and legacy, so it is customary to place a small stone on the grave of a deceased Jewish relative or friend. This time-honored tradition has transcended the realm of Judaism, though, and it is now common to see small stones on the headstones of people from all religious backgrounds.
- Seasonal Decorations: If you visit your loved one's final resting place often, it can be fun to decorate the burial site with decorations for every season. You can place a pumpkin on your loved one's grave to get into the Halloween spirit. When the holidays roll around, you can add some color to the headstone by decorating it with a wreath, Christmas tree ornaments, or a poinsettia plant.
- Flowers: Floral arrangements are a classic choice for decorating a gravesite, but there is no reason to feel confined to the traditional bouquet of roses or carnations. Instead, order an assortment of flowers that held significance to the deceased. Some headstones and flat grave markers have built-in vases that make it easy to display floral arrangements. Otherwise, you can simply leave the flowers on top of the headstone.
- Grave Blankets: When the weather gets cold, some people find solace in keeping their loved ones warm by placing blankets on top of their graves to protect them from the snow and falling temperatures. Grave blankets can vary according to style and preference, so you can feel free to use Evergreen branches, an actual blanket, or whatever your heart desires.
- Stuffed Animals: The loss of an infant or a child can be devastating and visiting the grave can be very painful. By placing a toy or stuffed animal on the headstone of a child whose life was ended too soon, you can transform the gravesite into a space that reminds you of childhood, goodness, innocence, and the miracle of life.
Before decorating your loved one's headstone, you should consult your cemetery's caretaker or funeral provider to confirm whether there are any limitations or regulations regarding decorations. We hope that this article gives you the inspiration you need to add a touch of personality to your loved one's headstone.


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The CEO of Cairns Airport says SilkAir's direct flights to Cairns, starting tomorrow, will inject more than $30 million annually into the far north Queensland economy. The Singapore Airlines' regional carrier will operate three return flights each week ...>> view original
The 52-year-old victim was left with a critical head injury after a 36-year-old man allegedly stabbed him during a street fight in the western Cairns suburb of Manoora about 2am on Wednesday. A man from Gordonvale has been charged with grievous bodily ...>> view original
The family of a murdered teenager from Ballykelly, County Londonderry have turned to social media in a bid to find answers to his death 16 years ago. Jonathan Cairns was 18 when he was attacked on his way home from a night out on 25 April 1999.>> view original
The body of Jonathan Cairns (18) was found stripped and bound in a remote forest near Ballykelly village in April 1999, the day after he went missing following a night out. His blood-soaked clothes were found on the steps of a school near the family ...>> view original
Year eight students at Cairns State High School showed just how green they can be as they took part in the school's first Environmental Day in more than four years this week. The young students all but took over the school grounds as they planted trees ...>> view original
While the Independent ace was headed to the mound with at least a one-run lead in the seventh inning, Cairns wanted to add extra life to an already dominant pitching performance. The senior shortstop did that and more with a two-run triple to center ...>> view original
Regional Express will boost the number of flights between Cairns and Townsville from two to 34 a week from July 6 after taking a "market sounding'' to gauge business and community support. The move will see Australia's biggest independent regional ...>> view original
More like the new Lance Cairns. Ben Stokes, born in Christchurch, tattooed like a Southland stevedore, took the long handle to the country of his birth and biffed New Zealand back into the Lord's pavilion. It's as galling as it was brilliant and we are ...>> view original
Horse riding as a strapping young lad with his cap worn backwards, kicking back on the beach and pouting like a professional in a black polo neck - the cheeky Channel 9 Today Show host opened up his Cairns family home – and photo album – for the ...>> view original
The operator of the Cairns casino hopes to boost its visitor numbers through a new loyalty program as well as marketing in Singapore and southeast Asia. The Reef Casino Trust, which was subject to an abandoned takeover offer by Hong Kong suitor Aquis ...>> view original


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All participants of ACNS2017 should be very careful about visa requirements and should make travel plan in advance enough. Visitors are fully responsible for acquiring all documents needed for entering Japan.
Japan provides waiver of visa requirements with more than 60 countries and regions. Please refer to the recent status on the visa waiver program from the Ministry of Foreign Affairs of Japan (MOFA).
If you need a visa for attendance, you should prepare all required documents according to the visa information page by MOFA. If you have any questions, please contact diplomatic establishments of Japan in your residential area.
We will issue an invitation letter ONLY for those who have presentation(s) at ACNS2017 upon request. If you need an invitation letter for visa application, please send the following documents to
(acns2017-visa *at* crypto-cybersec.comm.eng.osaka-u.ac.jp)
(please replace *at* with @.)
after paying the registration fee via ACNS2017 website and fixing your accommodation during the conference. (You can download a copy of participation information sheet and schedules of stay sheet from here.)
According to the Act on the Protection of Personal Information Held by Independent Administrative Agencies and others of Japan, the information submitted to ACNS2017 in this page will be kept secret and used only for processing the invitation letter requests. In some cases, ACNS2017 will share those information with a part of organizing committee members concerned for resolving issues (e.g. checking registration status and paper acceptance etc.). We will not use any information received for other purposes, except those required by laws and rules of Japan.


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CONTACT Justin Silverman | 774.244.2365 | email@example.com
The New England First Amendment Coalition recently launched a new multimedia guide to freedom of information laws in the region.
The FOI Guide features answers to commonly asked questions about public records, cites notable case law and links to additional resources, including recent legislation for all New England states.
It also features video tutorials on public records and discussions with journalists, attorneys and other open government experts on how records can be obtained.
"Our FOI Guide is the perfect starting point for your research," said Justin Silverman, NEFAC's executive director. "It's geared for both the novice public records requester and the seasoned reporter looking for ideas on how to expand his or her reporting."
The guide includes the following for each New England state:
• Answers to Frequently Asked Questions
• Links to Relevant Caselaw and Statutes
• State-By-State FOI Legislation Tracker
• Links to Additional Resources and Authorities
• Video Tutorials on Public Records Law
• Interviews with Journalists, Attorneys and Other Open Government Experts
"We will be frequently updating the guide with additional material and information," Silverman said. "If you want to learn about public records in the New England states, this guide is where you should start."
The FOI Guide is just one of the many programs and services NEFAC provides to journalists and other citizens throughout the region. Learn more about our coalition and how we can help you.
NEFAC was formed in 2006 to advance and protect the Five Freedoms of the First Amendment, including the principle of the public's right to know. We're a broad-based organization of people who believe in the power of an informed democratic society. Our members include lawyers, journalists, historians, academics and private citizens.
Our coalition is funded through contributions made by those who value the First Amendment and who strive to keep government accountable. Please make a donation here.
Major Supporters of NEFAC include Hearst Connecticut Media Group, Paul and Ann Sagan, The Boston Globe, WBUR, Boston University and the Robertson Foundation.


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Grey Macarons
A friend of mine, who is also a loyal customer, orders these macarons for her son's 16th birthday as a giveaway favours.
Her son loves my macarons so much. That's why.
They are Mango Blueberry flavour.
Together with these ones, I also made another flavour:bubblegum (pink & aqua colours).


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Taxation of Employee Provident Fund - Printable Version
+- Accountancy Forum (https://www.accountancy.com.pk/forum)
+-- Forum: The Profession (https://www.accountancy.com.pk/forum/forumdisplay.php?fid=4)
+--- Forum: Tax (https://www.accountancy.com.pk/forum/forumdisplay.php?fid=8)
+--- Thread: Taxation of Employee Provident Fund (/showthread.php?tid=10128)
Taxation of Employee Provident Fund - beyond.spirits - 07-21-2011
We are going to start employee provident fund from next month. I have few confusions that I hope someone will clearify here.
1- do the contributions made by employer are treated as a part of employee's salary? if yes then do we need to deduct tax at source on this amount?
For example
If an employee's monthly gross salary is Rs. 43000 and he makes contribution of 10 % of his gross salary i-e Rs. 4300 and employer contributes same amount Rs. 4300 . Now the question is how to deduct tax at source on employee's salary? on Rs. 43000 or on Rs. 43000 + Employer's contribution?
2- If we donot deduct tax at source on employer's contribution then when and how do we deduct tax and at what rate?
3- How to get EPF approved (Procedure)? what is the benefit of getting it approved? and what if we dont get it approved?
Please help!!!!!!
- waqarhassan - 07-21-2011
Employer's contribution will not be added to employee's salary and no tax is charged to it at time of contribution from employee.
Subsequently at the time of payment to employee from provident fund following procedure will be adopted
- If EPF is registered with tax commissioner, no tax will be levied at any amout at the time of payment to employee. its exempt
- If EPF is unregistered then employers contribution+ total interest income credited to employee's account is added to the salary of employee in that year in which payment is made, and its accordingly taxed in salary income.
Benefit of getting fund registered are
1) Employers contribution and interest becomes exempt from tax and its benefit to employee.
2) Employer can charge its contribution to fund as an expense in its accounts, otherwise for unregistered funds this expense in inadmissible for employer.
Hope it sloves ur problem!
- beyond.spirits - 07-21-2011
thank you very much sir, yes problem is solved. )
- student_of_law - 07-22-2011
One additioanl information - According to Rule 3 of Part I of Sixth Schedule of the Income Tax Ordinance, 2001
If employer's annual contribution to a provident fund in respect of certain employee exceeds one lac (100,000) or 10% of the salary of employee, whichever is low, then the amount exceeding 10% or 100,000 shall be treated as income of employee and tax is payable thereon
For the purpose of Sixth Schedule, salary means "basic salary + dearness allowance" only. [Rule 14(h) of Part I of Sixth Schedule)
For the purpose of deduction of tax at source, the employer will estimate the employee's annual income by adding such part of employer contribution that exceeds 100,000 or 10% of employee's salary.
For example an employee's annual salary is Rs.5 million
Employer's contribution to the provident fund is Rs.2.5 lac
Now contribution of employer exceeding one lace is 2.5 - 1 = 1.5 lac
so the employee's annual salary will be taken as 5 million + 1.5 lac = 5150,000
Tax rate on 5,150,000 will be worked out and employer wil deduct tax at source accordingly
You may get almost complete information about Provident Fund, taxation and exemptions and other rules, from
i. Part I of Sixth Schedule of ITO, 2001 regarding Recognized
Provident Funds
ii. Part I of Second Schedule to ITO, 2001
iii. Section 21
iv. Section 12
- beyond.spirits - 07-22-2011
Thank you very much once again @ Student of Law. Can you please guide me regarding procedure of getting EPF approved from Commissioner.
- student_of_law - 07-22-2011
Rule 91 of Income Tax Rules 2002 gives the detail procedure for applying for recognition of provident fund.
Generally, following documents are filed
Application by the Trustees for recognition containing such particulars as mention in Rule 91(1)(a)j
Application shoule be annexed with verification as given in Rule 91(2)
Application should be accompanied by Copy of Provident Fund Trust Deed and Rules, attested by notary public
I will advise you not to submit original trust deed at the counter. Instances of loss of documents at FBR is not uncommon. So just file the copy of turst deed of provident fund attested by notary publice. Later on objection being made, or before that if you could identify the concerned officer, show the original to the concerned officer.
In addition to the provisions mentioned in my last post, Rules 91 to 107 of Income Tax Rules, 2002 also covers the issues of provident fund.


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LONDON (AFP) - Soil from World War I battlefields in Belgium was laid in a memorial garden in London on Saturday ahead of the 100th anniversary next year of the start of the conflict.
Seventy bags of "sacred soil" gathered by more than 1,000 British and Belgian schoolchildren earlier this year arrived in Britain by Belgian warship on Friday.
On Saturday, a horsedrawn army gun carriage took the bags past landmarks including Buckingham Palace and St Paul's Cathedral to the new memorial garden at Wellington barracks in central London.
The soil was blessed in a ceremony at the Guards' Chapel before eight-year-old schoolboy Patrick Casey was given the honour of pouring a crucible of soil taken from all the battlefields into the heart of the garden.
Queen Elizabeth II's husband Prince Philip, 92, was presented with the soil in a ceremony in the Belgian town of Ypres earlier this month, to remember the tens of thousands of Commonwealth soldiers who died in the 1914-18 war.
British junior defence minister John Astor, who attended the ceremony with the premier of Flanders Kris Peeters, said it was a "very moving ceremony".
"They were killed for our freedom, they paid a very high price for that, and we are enjoying the freedom now," Astor said.
Designed by Belgian architect Piet Blanckaert, the Flanders Fields 1914-2014 Memorial Garden is intended as "a symbol of hope and a better future for all", according to organisers.


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In this lecture we will demonstrate creating a Statically Routed IPsec VPN between 2 VPCs. The demonstration will use VYOS to act as our Customer Gateway appliance. This demonstration will require us to manually configure static routes. We will use CloudFormation templates to provision a fresh environment that contains 2 new VPCs deployed within the same region. CloudFormation will prepare for us all the foundational networking infrastructure - , however we will walk you through the process of creating and configuring the IPsec tunnels manually. The end result will allow us to forward privately routed network traffic across a pair of redundant IPsec tunnels created between the 2 VPCs.
Let's now put our IPsec theory to test and build a statically routed IPsec VPN between two VPCs. The CloudFormation templates used within the following demonstrations are hosted online at Cloud Academy's public GitHub repository. In our first demonstration, we'll be creating a statically routed IPsec VPN between two VPCs. We'll use CloudFormation to provision a fresh environment that contains two new VPCs in the same region. CloudFormation prepares for us all the foundational network infrastructure, but does not create the IPsec tunnels. That is for us to do manually. As you can see, our demonstration will consist of a left-hand side VPC and a right-hand side VPC, each created by their own dedicated CloudFormation template. The left-hand side VPC will simulate a corporate on-prem network, meaning that it will host a firewall device. In this case, we'll be using VyOS. VyOS is a Linux-based network operating system that provides software-based network routing, firewall, and VPN functionality. Our VyOS instance will be configured with two elastic network interfaces: external and internal facing. The external facing ENI will have an elastic IP address attached. This elastic IP address will become the customer gateway IP address in our VPN configuration. The right-hand side VPC will act as our typical AWS Cloud site. Within this VPC, we'll provision the VPN componentry: that is the customer gateway, the virtual private gateway, and the VPN connection itself. Once the environment is up, we'll manually configure the IPsec tunnel within VyOS, set up static routes within our VPCs, and update respective security groups to allow inbound ICMP requests. Both VPCs will contain an EC2 test instance. The test instances will be used to perform ICMP ping requests to each other, using only their privately assigned IP addresses. If all goes well, we'll be able to see traffic go across our newly provisioned IPsec VPN tunnels. Navigate to the GitHub URL, as seen here. Next, copy the HTTPS clone URL. Within your own terminal, create a new directory. Move into that directory, and perform a git clone with the URL you previously copied. Let's now list the contents of the current directory. Next, navigate down into the VPC VPN CloudFormation directory. Listing the contents of the CloudFormation directory, we see two CloudFormation templates, which we will now use to provision our left-hand and right-hand side VPCs. We'll now take a quick look at the contents of each CloudFormation template. First, let's open up the left-hand side VPC CloudFormation template. This template's function is to build a corporate private network with a firewalling device. In this case, we're using VyOS. Here the VyOS instance that we'll launch is configured with two elastic network interfaces. The eth0 interface is considered to be externally facing and has an elastic IP address attached to it. The elastic IP address used here is effectively the customer gateway IP address that will be referenced by the right-hand side CloudFormation template to establish the customer gateway endpoint. The eth1 interface is considered to be internally facing, and has a private IP address only. Next, let's open up the right-hand side VPC CloudFormation template. This template's function is to build a VPC that will act as a typical AWS VPC, in that this VPC will host our customer gateway, virtual private gateway, and our VPN connection components. Here, this is our customer gateway component. Recall that the customer gateway will be configured with the elastic IP address that we need to set up and assign to the VyOS eth0 externally facing elastic network interface in the left-hand side CloudFormation template. Here, this is our virtual gateway component. And here, this is our VPN component that references the previously mentioned two gateway endpoints. First up, we'll build a statically routed VPN environment by launching each CloudFormation stack. The first CloudFormation stack will create the left-hand side VPC in our network schematic. This will represent and simulate our corporate on-prem network. The left-hand side VPC will have three subnets. The first two subnets will be provisioned to host the external and internal elastic network interfaces used by VyOS. The third subnet will host a privately zoned EC2 test instance from which we'll perform ICMP ping tests to the EC2 test instance hosted in the right-hand side VPC. Within the left-hand side VPC, the CloudFormation template launches a VyOS instance, which will act as our corporate firewall. In AWS VPN terminology, VyOS is the customer gateway. The VyOS instance will have dual ENIs. The first interface will be externally facing, deployed in the external subnet, and will have an elastic IP assigned to it. The second interface will be internally facing, deployed in the internal subnet, having only a private IP. An internet gateway is attached to allow us to SSH in to manage and set up the VyOS VPN config. The second CloudFormation stack will create the right-hand side VPC. This represents our AWS side of things. The right-hand side VPC will be provisioned with a virtual private gateway and a customer gateway. A VPN connection will be created referencing both these gateways. Having provisioned the VPN connection, we'll then download the VPN configuration file. This will then be imported into the VyOS instance, which will establish our two IPsec tunnels. The right-hand side VPC will be created with a single subnet, and into which we'll launch a single EC2 test instance. Starting from within the AWS console, select an appropriate region into which you will launch both CloudFormation stacks. Before we launch either CloudFormation stack, ensure that an SSH key pair exists within the chosen region, and for which you are in possession of the private key, as this will be referenced by both CloudFormation templates. To do this, starting from the AWS console home, click on the EC2 service link. Next, click the Key Pairs link under Network & Security. Confirm that an existing SSH key pair exists, and if not, create a new one. We'll now launch the first CloudFormation stack. Recall that this will build the left-hand side corporate on-prem simulating network. Navigate to the CloudFormation service. Now click the Create New Stack button. We then select the Upload option. And then click the Choose File button. Navigate to and select the CloudAcademy.vpc.vyos.vpn.yaml from our recently git cloned repository. Click the Next button. Give the CloudFormation stack a name. Here we've chosen to call ours VPC-CORP. Select the appropriate SSH KeyName from the drop down, and then click Next. Leave all defaults as is, and click Next again. Finally, click the Create button. This will launch our left-hand side VPC. This will take approximately five to 10 minutes to complete. After this CloudFormation stack launch completes successfully, signaled by the CREATE_COMPLETE status, navigate to the Outputs tab, and take note of the outputs. These will be important to us in the coming steps. Next, let's launch the second CloudFormation stack. Recall that this will build the right-hand side network. Click the Create Stack button. We then select the Upload option, and then click the Choose File button. Navigate to and select the cloudacademy.vpc.cloud.vpn.yaml from our recently git cloned repository. Click the Next button near the bottom of the current page. Give the CloudFormation stack a name. Here we've chosen to call ours VPC-Cloud. Select the appropriate SSH KeyName from the dropdown. Ensure that the StaticRoutesOnlyForVPN option is set to true. Set the VPCCORPCustomerGatewayIP to be the public IP assigned to the VyOS instance, created in previous CloudFormation stack. This is the VyOS instance public IP output value. And then click Next. Leave all the defaults as is and click Next again. Finally, click the Create button. This will launch our right-hand side VPC. This will take approximately five to 10 minutes to complete. After this CloudFormation stack launch completes successfully, as represented by the CREATE_COMPLETE status, navigate to the Outputs tab and take note of the public IP. This we will use to SSH onto the EC2 test instance. Now let's head over to the VPC service. Under Services, select the VPC Service. Next, on the left-hand side menu, click the VPN Connections link. Select the recently created VPN connection, and then click the Download Configuration button. In the Download Configuration popup window, we choose Generic for the vendor. The rest of the options are left as is. Click the Yes, Download button. This downloads the VPN configuration file. We'll now import this into our VyOS instance. Let's now log in to the VyOS instance and set up the IPsec tunnels. We do so by SSH-ing into the instance using its assigned elastic IP. Before we do this, let's add our SSH key to our SSH authentication agent. We do so as we will later hop from the VyOS instance down to the EC2 instance in the same VPC. Okay, now let's SSH into the VyOS instance. The first thing we need to do within VyOS is set up a configure the eth1 internal interface. If we run the Show Interfaces command, you can see that the eth1 interface does not currently have a private IP set. Let's set this up now. We need to first determine the private IP address assigned by AWS to the eth1 interface. We do this by examining it within the EC2 console. Back within the VyOS console, enter into configuration mode by typing conf, and hitting Enter. Next, enter set interfaces ethernet eth1 address, using the /24 private IP address we just collected, and then hit Enter. We'll now prepare a VyOS specific IP set configuration file. First, open within a text editor, both the VyOS.static.vpn.template file, and the AWS generic VPN file we previously downloaded. We now need to copy and replace all of the tokens with their respective values as documented within the token name. We now start to paste in the VPN configuration blocks into conf mode within VyOS. Next, we commit and save the changes to make them effective. Let's now take a quick look to see whether we've successfully established an IPsec security association with the AWS virtual private gateway. To do so, by exiting the configuration mode, and running the following command: show VPN like SA. Here you can see that an SA has been successfully established, and that both IPsec tunnels are up. We can also take a quick look within the AWS VPC console to check its view of our VPN tunnels. Under VPN Connections, click on our VPN connection, and select the Tunnel Details tab. Here the tunnel status of both tunnels is up. Right, next we need to set up some static routes in VyOS, and in our VPCs. Let's reenter into configuration mode. Within VyOS, we'll create two new static interface routes, one for each of the two virtual interfaces, vti0, and vti1. The route is for 192.168.0.0/20. This is the address space for the right-hand side VPC. Again, commit and save these changes. Let's now jump back into the AWS console. We have a few routing and security group updates we need to make. The first is on the VPN connection. Head over to the VPC console, and click on the VPN connection's menu link. Next, click the VPN connection that the first CloudFormation template created for us. Clicking on the Static Routes tab, we can see that no static routes have been added. Let's add in a static route for the left-hand side VPC: 10.0.0.0/18. Now, click on the route tables menu link. Order the route tables by name. This makes it easier for us to identify them. We need to make a few route table changes. The first route table we will update is the VPC-CORP Private Subnet Route Table. This route table hosts a test instance from which we will use to initiate ICMP ping tests from. We need to update this route table to route network traffic destined for the other VPC across the VyOS IPsec tunnels. Therefore, we need to add the route 192.168.0.0/20, and point it at the VyOS internal eth1 interface. Next, we need to update the VPCCLOUD Subnet Route Table. Rather than add the required routing manually, we can extract the VPG to propagate the static route 10.0.0.0/18 that we set up earlier, into this route table, by clicking on the Route Propagation tab, clicking the Edit button, and then enabling the propagate setting. Finally, click on the Save button, and then return to the Routes tab. You should now see the 10.0.0.0/18 route, and with the propagated value set to Yes. One final piece of set up we need to do, is update our security groups to allow inbound ICMP ping requests. Specifically, we need to allow inbound ICMP on the security groups attached to both EC2 test instances on either side. Additionally, we need to update the security group attached to the VyOS internal eth1 interface, to also allow inbound ICMP. Let's go ahead and do each of these. We'll set the source to be anywhere just to speed up the course. Finally, everything's in place. We should now be up to SSH into each private EC2 test instance within either VPC, and perform a ping across to the opposing instance. The network traffic generated, will flow across the IPsec VPN tunnels and back, utilizing the static routes that we've manually set up. Let's SSH in to the left-hand side test instance, and ping the right-hand side instance. To SSH into the left-hand side instance, we bounce there via the VyOS instance. Now that we're in our test instance, let's ping the private IP of the right-hand side test instance. Great, it looks like traffic is flowing across our IPsec tunnels successfully. Let's just pause here for a second to give an explanation of how the ICMP packets are being routed from the left-hand side sender, to the right-hand side receiver. The following sequence takes place. One, packets exit the EC2 test private instances interface, and are sent to the AWS cloud router. Two, the AWS cloud router looks up its routing table, and then forwards them to the VyOS internal interface. Three, VyOS looks up its internal routing table, and forwards the packets internally to the IPsec virtual tunnel interface. Four, the packets get encrypted and routed across the IPsec tunnel. Five, the IPsec encrypted packets actually go out the VyOS external interface, and head to the virtual private gateway attached to the right-hand side VPC. Six, the VPG VPN connected decrypts the packets and forward to the AWS cloud router. Seven, the AWS cloud router looks up its routing table, and then forwards them to the EC2 test instance's private interface. Okay, we'll now repeat the same test, but in the reverse direction. SSH into the right-hand side test instance via its elastic IP. Now that we're in our test instance, let's ping the private IP of the left-hand side test instance. Great, again our traffic is flowing across our IPsec tunnels successfully. Again, let's analyze and give an explanation of how the ICMP packets are being routed from right-hand side sender, to left-hand side receiver. The following sequence takes place. One, packets exit the EC2 test private instance's interface, and are sent to the AWS cloud router. Two, the AWS cloud router looks up its routing table, and then forwards them to the virtual private gateway attached to the right-hand side VPC. Three, the VPG VPN concentrator encrypts the packets, and are routed across one of the IPsec tunnels. Four, the IPsec generated packets arrive on the left-hand side via the VyOS external interface, and are logically processed by the respective virtual interface, where they are decrypted. Five, VyOS looks up its internal routing table, and forwards the decrypted packets to the local AWS cloud router, via the VyOS internal interface. Six, the AWS cloud router looks up its routing table, and forwards them to the EC2 test instance's private interface.
Jeremy is a Content Lead Architect and DevOps SME here at Cloud Academy where he specializes in developing DevOps technical training documentation.
He has a strong background in software engineering, and has been coding with various languages, frameworks, and systems for the past 25+ years. In recent times, Jeremy has been focused on DevOps, Cloud (AWS, Azure, GCP), Security, Kubernetes, and Machine Learning.
Jeremy holds professional certifications for AWS, Azure, GCP, Terraform, Kubernetes (CKA, CKAD, CKS).


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Hunsbury Hill Country Park
Updated: May 27, 2022
I went to visit my brother in Northampton and he took Daisy & I to a lovely country park.
I've been here before pre Daisy and we went on a lovely forest walk with my Dog. This time was a quick hour trip to the park. You can park for free and there's a cafe which is great.
We'll be back soon and it was great to venture into Northampton.
Use postcode NN4 9UE. The carpark is open April- Sept 8am – 8:30pm and Oct – March 8am – 5pm.
#easthunsbury #countrypark #hunsburyhill #easthunsburypark #countryparknorthampton


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By Jason Powell, ProWrestling.net Editor (@prowrestlingnet)
WWE Raw on the USA Network
Aired live on December 16, 2019 from Des Moines, Iowa at Wells Fargo Arena
[Hour One] Raw opened with a recap of the Seth Rollins turn from last week… The Raw opening aired… Pyro shot off the stage and then Vic Joseph checked in on commentary and said last week was filled with more questions than answers. He wondered who will step up to face Seth Rollins and AOP…
Seth Rollins made his entrance while ring announcer Mike Rome introduced him. The broadcast team of Joseph, Samoa Joe and Jerry Lawler checked from behind their desk. Lawler said he thinks we'd see the real Rollins. A small "welcome home" chant broke out for the Iowa native.
The AOP duo of Akam and Rezar were introduced by Rollins as the two men who chose to stand on the right side of history. AOP headed to the ring and joined Rollins. Seth recalled the world saying he was the future when he showed up in NXT and again when he debuted on Raw. He pointed out that he pinned Brock Lesnar twice and everyone was still labeling him the future.
"And then all of a sudden the mood changed," Rollins said. "And people started to question my leadership, as if I had done something wrong." Rollins said that being a leader isn't about being cool or making popular decisions, it's about making decisions for the sake of progress. Rollins said what happened to Kevin Owens was a tragedy, but he did that to himself. "Kevin resisted and Kevin became an example," said Rollins.
Rollins said he's told the fans the truth every step of the way and said that wouldn't change. He said it might be hard for some people to accept, but he is a leader. "And bigger than that, I am a visionary," he said. Rollins said he will lead the brand and the industry into the next decade and beyond. "And whether you like it or not, you are coming with me by hook or by crook," said Rollins. He added that he will impose his will and if you resist then AOP will enforce his will.
Rollins said there was a score that he had left to settle and by the end of the night it would be settled. Rollins cautioned that fans wouldn't like it. "For what we have to do tonight, I'm sorry," Rollins said. He dropped the mic and then left the ring with AOP walking behind him…
Powell's POV: A strong promo from Rollins, who is off to a great start in his heel role. He's a natural heel and he comes across extremely confident in what he's doing right now. His tease for doing something unpopular during the show was a really good hook for the rest of Raw.
The broadcast team spoke at their desk. Joe said Rollins has always been very cerebral. He said AOP are an overlooked commodity. Joe said he does bad things as a means to an end, whereas AOP do terrible things because they like to…
The Viking Raiders made their entrance while the broadcast team recapped their double count-out battle with Luke Gallows and Karl Anderson from WWE TLC. They said the rematch would take place after the break… [C] An ad aired for Wednesday's NXT…
Gallows and Anderson made their entrance with mics in hand. Anderson said they admit that the Viking Raiders are the most unstoppable team in decades, but they are the only team that holds a pinfall victory over the pair…
1. Raw Tag Champions "The Viking Raiders" Erik and Ivar vs. Luke Gallows and Karl Anderson in a non-title match. The stupid "best tag team" trophy was at ringside. Erik went for a dive through the ropes and was hit by Gallows with an uppercut from the floor. Gallows performed a fallaway slam that sent Erik into the barricade. [C]
Ivar was isolated until he fought back with a handspring into the ropes that led to him hitting both opponents with elbows. Ivar and Erik performed stereo dives onto Gallows and Anderson at ringside heading into another break. [C]
Late in the match, Ivar tagged into the match and went to the ropes and had to punch Gallows off the apron. Ivar went up top and went for a moonsault, but Gallows pulled Anderson out of the way. Anderson kicked Erik off the apron, then he and Gallows hit the Magic Killer on Ivar and pinned him…
Luke Gallows and Karl Anderson defeated The Viking Raiders in a non-title match in 19:30.
Powell's POV: This was so much better than that chicken shack match that these teams had the night before at TLC. Joseph mistakenly called Gallows and Anderson the new Raw Tag Champions after the pinfall. Joe jumped in and said they should be. One can only hope that Joseph isn't getting too much of an earful during the commercial break. Anyway, this was an effective way to build to the rematch, though if you're looking for logic there's really not a good reason why this rematch wouldn't have been for the tag titles since they fought to a double count-out the night before.
Update: A reader pointed out that Samoa Joe is actually the person who called it a title change. My apologies for mistakenly thinking it was Joseph.
Footage aired of Erick Rowan telling Sarah Schreiber to mind her own business when she wondered what's in the animal cage he brings to the ring. Rowan was shown walking backstage while the broadcast team said he would be in action after the break… [C]
Backstage, AJ Styles told Gallows and Anderson to let him face Randy Orton alone because he wants to embarrass him for the trouble he's caused…
2. Erick Rowan vs. Dante Leon. Cole noted that Alexa Bliss will be the guest on Tuesday's WWE Backstage. Leon rolled to ringside and teased looking inside Rowan's animal cage. Leon opted to run away instead, but he tripped and Rowan caught him. Rowan roughed up Leon at ringside, then rolled him back inside the ring. Rowan performed his claw slam twice and then stood on him while the referee counted the pin…
Erick Rowan beat Dante Leon in 1:55.
Andrade and Zelina Vega were interviewed by Charly Caruso on the backstage interview set. She said Andrade would be the favorite in a gauntlet match for a shot at the U.S. Title were it not for Huberto Carrillo being involved. Andrade spoke in Spanish and walked away. Vega said Carrillo beating Andrade twice was the worst thing that happened to him because now they take him seriously…
Joseph hyped Bobby Lashley and Lana as coming up next… [C] An ad for Smackdown focused on Daniel Bryan and Bray Wyatt…
A Liv Morgan vignette aired. She looked into the mirror while recalling that she let her friends tell her what to be and how to act. She said she's always wanted to be comfortable in her own skin and noted that she's always been self destructive. Morgan was shown climbing into a bathtub. She said she has no choice and has to destroy herself so the real her can emerge. A graphic read "to be continued"… One of the broadcast team members said he was worried about what Morgan meant…
Powell's POV: Here's hoping that we don't have 13 wrestlers listening to cassette tapes that Morgan recorded about them next week.
Bobby Lashley and Lana headed to the ring. Lana introduced Lashley as the winner of the tables match and called him her hot boyfriend. A Rusev Day chant broke out.
[Hour Two] Lana said they are trying to move on. Lana told Lashley that she wants the world to know how much he loves her. A "Bobby sucks" chant started. Lana told the fans they suck. Lana pulled out a ring box and asked him to ask her to marry him. Lashley looked apprehensive. "You know, Lana, I don't like when anybody tells me what to do," Lashley said. "Except you."
Lashley got down on one knee and said she's the most beautiful woman in the world and the most amazing female wrestler in WWE history. He said they would be the most amazing power couple the company had ever seen. Lashley asked Lana to marry him. Lana said it was so romantic and it was just like she had him rehearse. Lana said yes repeatedly. Lana said the wedding would take place on Lana Day. The broadcast team called Lana on the awkward choice of wording…
Joseph hyped the Seth Rollins "WWE 365" documentary, then set up footage that recapped the Rollins promo from earlier… The broadcast team hyped Ricochet vs. Akira Tozawa vs. Humberto Carrillo vs. R-Truth vs. Matt Hardy vs. Andrade in a gauntlet match for a shot at the U.S. Title as coming up after the break… [C]
Powell's POV: So Tozawa and Hardy earned their spots by losing their recent television matches? You can make a case for Hardy getting a spot based on his legacy, but it would be nice if it felt like wins and losses actually mattered. As much as the Lana and Lashley angle bores me, wrestling weddings tend to bring the ratings.
A sponsored ad focused on "The Million Dollar Man" Ted DiBiase…
R-Truth made his entrance wearing the WWE 24/7 Title. Truth said he wouldn't be in WWE were it not for his childhood idol John Cena. He "recalled" Cena defending the U.S. Title in an open challenge every Saturday morning. Truth said he would win and take both titles all the way to WrestleMania. Truth pointed to where the WrestleMania sign would be located, but it wasn't there yet. Akira Tozawa made his entrance…
3. Ricochet vs. Akira Tozawa vs. Humberto Carrillo vs. R-Truth vs. Matt Hardy vs. Andrade in a gauntlet match for a shot at the U.S. Title. Truth and Tozawa started the match. Tozawa avoided Truth's finisher and rolled him into a pin.
Akira Tozawa beat R-Truth in 2:10 to advance in the gauntlet match.
The usual suspects ran out and chased Truth over the 24/7 Title. Ricochet made his entrance as the third entrant heading into a break. [C]
The bell rang to start the Ricochet vs. Tozawa portion of the gauntlet match coming out of the break. Tozawa leapt from the ropes and right into a dropkick fro Ricochet. Rey Mysterio was shown watching the match on a backstage monitor.
A short time later, Tozawa suplexed Ricochet into a pin while bridging for a near fall. Ricochet went for a standing shooting star press, but Tozawa put his knees up. Ricochet came back with a superkick and hit his Recoil finisher and scored the pin.
Ricochet beat Akira Tozawa in 6:05 to advance in the gauntlet match.
Matt Hardy made his entrance going into a break… [C] Hardy hit a Side Effect on Ricochet after the bell rang and got a quick two count. A short time later, Hardy performed a crucifix sit-out powerbomb for another two count. Hardy hit another Side Effect for another near fall. Ricochet avoided a Hardy moonsault, then performed a standing shooting star press for a two count of his own. Hardy went for a Twist of Fate, but Ricochet rolled him into a pin and got the three count. There were boos over Hardy losing, though the broadcast team wondered it if was actually a three count.
Ricochet beat Matt Hardy in 6:30 to advance in the gauntlet match.
Humberto Carrillo made his entrance going into a break. [C] An ad for the Royal Rumble aired. After a little over six minutes of Ricochet vs. Carrillo, Zelina Vega walked onto the stage and they cut to break. [C]
Ricochet avoided Carrillo's Aztec Press moonsault and then the wrestlers traded kicks. Ricochet crashed into Carrillo near the ropes and they tumbled to ringside. Both men returned to the ring for the ref's nine count. Carrillo went to the ropes, but Ricochet cut him off with a slap. Ricochet climbed onto the ropes and they traded strikes, then Ricochet superplexed Carrillo and covered him with his arm for a two count. Lawler said the superplex is one of the greatest moves in wrestling.
[Hour Three] Ricochet performed a Northern Lights Suplex and another suplex for a near fall. Ricochet went up top and was cut off by Carrillo, who went for an inverted huracanrana, but Ricochet landed on his feet. Carrillo caught Ricochet with a Canadian Destroyer and followed up with his moonsault for the win.
Humberto Carrillo beat Ricochet in 17:55 to advance in the gauntlet match.
Andrade's music played. Vega motioned to the entrance area, then Andrade entered the ring from the opposite side and attacked Carrillo. Andrade hit Carrillo with double knees in the corner and then tossed him to ringside. Andrade pulled the mats at ringside back to expose the concrete floor. Andrade pointed to the cut on his eye from TLC and told Carrillo to look at it.
Andrade performed his hammerlock DDT on the exposed portion of the floor. Vega pointed and laughed. Rey Mysterio came to ringside, which led to Andrade and Vega exiting through the crowd. Mysterio motioned for help. "What the hell did we just witness?" Joseph asked going into a break. [C]
The gauntlet match ended without a finish.
Powell's POV: Joseph asked the right question, as it appears they just spent a lot of time on a gauntlet match that didn't have an actual ending. There was some good action in the various matches, but the live crowd is really quiet. The commercial breaks between the various matches didn't help. It's logical to have a brief break, but the long break takes away from the basic concept of the gauntlet match for this viewer. Andrade hitting his finisher on the concrete looked great and was good for some heat. I like that Carrillo is actually selling it and didn't just pop up seconds later as if nothing happened.
Coming out of the break, Carrillo was on a stretcher and was led up the ramp by two EMTs and two referees. Seth Rollins' music played and he and AOP walked out. Rollins had the steel pipe in his hand that Mysterio gave to Kevin Owens to use on him last week. Mysterio entered the ring. Rollins sent the AOP after Mysterio and they beat him down. Joe called it violence for the sake of violence and said that's what AOP enjoys.
Rollins said he found something of Mysterio's last week and wanted to give it back. Rollins placed the pipe in the ring next to the fallen Mysterio. When Rey tried to grab it, one of the AOP members stepped on it and then the duo went back to beating him. "Rey, this didn't have to be this way, man, it really didn't," Rollins said. He recalled Mysterio giving the pipe to Owens.
Rollins brought up the eye for an eye adage and said that's not him because he's a merciful leader. Rollins told Mysterio to remember this night. "You owe me one, Rey," Rollins said. The Rollins entrance theme played and he teased leaving the ring, then opted to give Mysterio the Stomp before he and AOP headed to the back… [C]
Powell's POV: A good angle. I'm surprised they did this so close to the Carrillo injury angle, but I like that they are putting heat on the heels.
Backstage, Charly Caruso asked Rollins why he attacked Mysterio. Rollins said he's a leader and he leads by example. He said he had a score to settle and they did that. Rollins said he stopped short of sending Mysterio to the hospital because he wouldn't be able to answer his challenge. Rollins challenged Mysterio to put his U.S. Title on the line next week on Raw…
Randy Orton was shown in front of a black backdrop. Orton said he faces Styles, who beat him at WrestleMania. Orton said Styles needs to remember that this is Raw. He said that if Styles has trouble remembering who he is, then he will remind him with the three most destructive letters – RKO…
"The Kabuki Warriors" Asuka and Kari Sane made their entrance to Asuka's theme. Asuka headed to the ring while Sane headed backstage. The broadcast narrated still shots from the TLC match for the WWE Women's Tag Title match. Joseph hyped that Becky Lynch would be interviewed after the match. Joseph said Asuka will face Deonna Purrazzo. A video package aired on Purrazzo, who then made her entrance. Purrazzo kicked Asuka, who ended up at ringside going into a break… [C]
4. Asuka vs. Deonna Purrazzo. Asuka got off to the quick start. Purrazzo came back with an armlock. Asuka escaped and rolled her into a pin for a two count. Asuka applied an armlock of her own. She gave up the hold and applied a kneebar, then released that hold and applied another armlock. Later, Asuka applied the Asuka Lock for the submission win…
Asuka defeated Deonna Purrazzo in 4:15.
Powell's POV: I like the brief video to introduce Purrazzo to establish that she's not just a local enhancement wrestler. That said, I'm not really sure why they opted to introduce Purrazzo in this fashion.
Becky Lynch was interviewed by Charly Caruso in a sit-down setting. Caruso asked how she was handling her loss at TLC. Lynch said she hasn't been herself the last few months. She said she thought the powers that be were putting her in the tag division to bury her, but now she thinks they put her there to protect her because she's the golden goose and they don't think she can beat Asuka.
Lynch said the loss is causing her to look at things honestly. Caruso asked what she says to people who think Asuka should be champion (what?). Lynch looked into the camera and addressed Asuka. She said Asuka has had her number and she needs that to change to prove something to herself…
Powell's POV: I like the idea that Asuka has Lynch's number. This was a good segment overall, but Caruso bringing up people who feel Asuka should be champion just didn't ring true.
A family was shown sitting in the front row in upgraded seats courtesy of a phone company… Randy Orton made his entrance for the main event… [C]
Rey Mysterio sat backstage and said he had a lot of bad people coming after his title. He said Andrade is an incredible athlete and he has no problem defending the title against him. Mysterio said Andrade tried to end Carrillo's career. Mysterio spoke in Spanish. Mysterio spoke in English as he said that Rollins doesn't respect him. Mysterio said he's never had a singles match with Rollins, but next week will be a first because he accepts his challenge for next week… AJ Styles made his entrance…
5. Randy Orton vs. AJ Styles. Styles came to the ring without his OC sidekicks. Styles applied a Calf Crusher a few minutes into the match. Orton reached for the ropes, but Styles released the hold and pulled him back to the middle of the ring and reapplied the hold. Orton reached the ropes. Styles held the hold until the referee's count reached four. Orton rolled to ringside and Styles followed and hit him with a chop block. [C]
Styles continued to target Orton's bad leg. Orton caught him with a sidewinder backbreaker. Orton set up for a superplex, but Styles slipped under him and ended up clipping his leg from behind again. Styles performed a springboard moonsault from the middle rope for a two count. Styles set up for the Styles Clash, but Orton backdropped him onto the apron.
[Overrun] Orton pulled Styles through the ropes and DDT'd him. Orton struck the Viper's Pose. Styles blocked the RKO and rolled Orton into the Calf Crusher. Orton kicked himself free. Styles went for a Phenomenal Forearm, but Styles stopped when he saw Orton motion for the RKO. Orton clutched his knee. Styles went for the Phenomenal Forearm and then Orton hit him with an RKO and pinned him.
Randy Orton beat AJ Styles in 16:20.
After the match, Gallows and Anderson attacked Orton. The Viking Raiders ran out and fought with Gallows and Anderson. The OC trio cleared Ivar from the ring, then Gallows and Anderson hit the Magic Killer on Erik. The OC stood tall to close the show a few minutes after the top of the hour…
Powell's POV: The return of the overrun. You know, because three hours just isn't enough time for Raw. Anyway, the main event was solid and the finish played off of what they did during their WrestleMania feud with the head fake and Orton going for an RKO. There was a lot of in-ring action on this week's show. If you thought this live crowd was quiet, know that you'll be seeing them again next week, as the Christmas week Raw is also being taped in the morgue known as Wells Fargo Arena. I will have more to say about this show in my same night audio review for members. Let me know what you thought of Raw by giving it a letter grade in our post show poll available on the main page.


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My refusal to give up on SoFi Technologies (NASDAQ:SOFI) stock in 2022 despite a 55% slide in SOFI stock definitely has me licking my wounds.
A couple of days before it reported earnings in early May, I mentioned how as recently as April, SOFI was a decent weighting in the VanEck Social Sentiment ETF (NYSEARCA:BUZZ). I suggested to readers that an alternative way to bet on the fintech was to buy some shares in BUZZ.
With the student loan moratorium extended through the end of August, SoFi's profitability pathway has been delayed a few months or quarters. This makes betting on SOFI a difficult one despite the recent rebound.
They say you can go to the well once too often, but I'm doing just that. If you like SOFI but don't want to risk that its recent gains were a dead cat bounce, you might want to consider the Amplify Digital & Online Trading ETF (NYSEARCA:BIDS).
Here's why.
|SoFi Technologies
The Downside Protection for SOFI Stock
Unlike BUZZ, which invests in 75 large-cap stocks getting the most online traction, BIDS tracks the performance of the BlueStar Global E-Brokers and Digital Capital Markets Index. It's a collection of stocks that provide online securities brokerage and lending, market making, and digital asset capital markets.
Here are the top 10 holdings:
|Market Cap
|Market Cap
|Charles Schwab (NYSE:SCHW)
|MarketAxess Holdings (NASDAQ:MKTX)
|Tradeweb Markets (NASDAQ:TW)
|Futu Holdings (NASDAQ:FUTU)
|IG Group Holdings (OTCMKTS:IGGHY)
|Robinhood Markets (NASDAQ:HOOD)
|Interactive Brokers Group (NASDAQ:IBKR)
|Coinbase Global (NASDAQ:COIN)
The ETF's top 10 account for 59% of its total net assets, with the remaining 16 stocks accounting for 41% of its portfolio. The smallest holding — CMC Markets — has the smallest weighting at 0.86%. The other 15 stocks are an interesting mix of equities and crypto-related businesses.
If you believe that the markets and crypto will recover at some point, buying BIDS to get a slice of SOFI isn't a bad call in this market. You can always sell out of it once SOFI and the markets, in general, have gained some momentum.
You might not like all 26 names in BIDS but they're there to provide a level of diversification you won't get from owning SOFI or any of the others on a solo basis.
The Biggest Concern for This Type of Bet
Investing in BIDS has one apparent weakness. Can you guess what it is?
Well, it's not the 0.59% expense ratio because you will pay that on a thematic ETF. It's the fact it's only gathered a little under $385,000 in total net assets since its launch in September 2021. That's just $48,000 per month it's bringing in.
I don't know if it still exists, but there used to be a website called ETF Deathwatch that put out a monthly report of ETFs that had closed or were a good bet to close. Amplify's not the smallest ETF provider with $3.4 billion in assets under management, but it's certainly not iShares.
There's a real possibility it could close in the future. In that case, you would either sell your shares or wait to get paid from the liquidation proceeds. It's not as bad as it seems.
The Bottom Line
I still believe that SoFi CEO Anthony Noto will lead the company out of its current doldrums, and its shares will ultimately trade in double digits. However, it's not going to get there without a lot of hand wringing from investors. That's just the way it is.
If you're wondering, BUZZ and BIDS are both down more than 36% YTD. That's still a far cry from 52% for SOFI.
What you do depends on your tolerance for risk. Even though I think SOFI will become a leader in financial services, I would never own it without surrounding it with a bunch of fortress-like stocks to offset its volatility.
Despite the latest move, I would be hesitant to buy SOFI without some sign that its business is getting back to normal — upward revision to guidance, etc. — but if you do buy, I'd try to surround it with other quality businesses.
Diversification helps in difficult markets.
On the date of publication, Will Ashworth did not have (either directly or indirectly) any positions in the securities mentioned in this article. The opinions expressed in this article are those of the writer, subject to the InvestorPlace.com Publishing Guidelines.


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This summer's World Cup provides a fantastic stage for the globe's greatest attacking talent to show off their skills. Great strikes and wonderful team goals will undoubtedly light up stadia all over Brazil this month, and I examine the 5 strikers most likely to dazzle and amaze us all.
Luis Suarez:
After his best ever season in a superb club career to date, Luis Suarez will be looking to take the World Cup by storm. He ran away with the Premier League golden boot and formed a formidable relationship with Daniel Sturridge; one which almost brought the title to Anfield. Emulating this sort of formula is something he will be looking to emulate with Uruguay. His partnership with Edinson Cavani at the forefront of the Uruguayan attack is a lethal one and as a pair, are realistically shouldering the hopes of an entire nation. Cavani did not have anything like the season that Suarez did, and so despite the recent minor knee surgery, he will carry the greater threat. For much of last campaign, Liverpool's number 7 had a goal ratio of better than 1 a game. That is simply phenomenal and you can only imagine that his sense of national pride will drive him to possibly even greater heights. Whoever faces the might of the controversial figure; England included, should be seriously fearful.
Sergio Aguero:
The squat Argentinian's season was wrought with aggravating muscular injuries that refused to subside. He was rushed back to first team action on several occasions and this has probably had a derogatory effect on his recovery. Even considering these problems, Aguero was still capable of achieving a good return for the campaign in terms of goal output. Managing 28 strikes from only 38 appearances in all competitions, including 6 in 6 in the Champions League, is nothing to be sniffed at. His part in a brilliant attacking portion of the Argentinian side will be very important and Aguero's work-rate, skill, acceleration, and brilliant finishing prowess, are invaluable traits in the straining Brazilian climate. I can see him running many a defender absolutely ragged and scoring vital goals in the process.
Lionel Messi:
Another member of Argentina's phenomenal foursome of attackers, Lionel Messi is the captain and leader in so many senses of the word. The dazzling forward is a four time winner of the World Player of the Year award and so it is natural that truly great things are expected of him. This season's preparation has not exactly been perfect for Messi however, as he was troubled with recurrent hamstring problems that restricted his ability to perform at his peak.
The effect of his absence was keenly felt on the Barcelona first team as they went trophy-less for the first campaign in a long while. While the left-footed wizard never did quite return to his best by the end of the season, a marked improvement was there for everyone to see and he was contributing with goals and assists at a similar rate to years past. I imagine that the lack of constant matches since the end of La Liga will have helped his recovery no end and he will be fit and ready to go by Argentina's first group game. Comparisons have been frequently made between Messi and another Argentine legend; Diego Maradona, not only because of their play style but also their career paths. While there are some who would already place Messi above Maradona, to truly put this beyond all reasonable doubt, Barcelona's talisman needs to perform at a World Cup. He has been disappointing to say the least at previous tournaments and guiding Argentina to victory as captain on Brazilian soil would cement Messi's place in history as the greatest ever. With that sort of motivation, he is a force to be truly frightened of this summer.
Cristiano Ronaldo:
After carrying Portugal through to the finals with a wonderful performance in the play-off game against Sweden which included a hat-trick, Cristiano Ronaldo will be looking to make his mark at the tournament itself. He is without question his country's star man, and the captain's armband only seems to add a little extra to his game. Whether it is from his direct free-kicks, penalties, aerial prowess, or trickery and dribbling, Ronaldo has so many strings to his bow with which to influence proceedings with. As he has matured through the latter half of his twenties, the stroppy and childish streak which used to be all too prevalent has almost vanished, leaving behind it the finished article for a footballer. He can score all sorts of goals, he has an impressive physique and is not shrugged off the ball easily, and can test defenders in all regions of the pitch. With all of these problems to be concerned about, it is a wonder how any of his opposition can sleep on the night before the game. At 29 years of age, it may well be the case that this is his last World Cup at the absolute peak of his powers, and so he will be fired up to push Portugal as far as he can.
Mario Balotelli:
Is there anyone in world football today who can blow so hot and cold in consecutive matches? On his day, he is truly brilliant; using his tremendous strength to shake off defenders and natural skill to score outrageous goals. However, he can just as easily be found strolling around a pitch looking disinterested before getting himself sent off for a silly lunge. The ex-Man City man had a terrific Euro 2012 and was one of the key figures in their rather unexpected run to the final. He ran England's centre halves ragged in their match and although he did not find the net on that occasion, he posed a constant threat. Mario has left the public eye slightly for the English media in comparison to his time at The Etihad, but his performances for AC Milan have not gone completely unnoticed. There have been spectacular goals a plenty, and although I hope they do not happen against England, it would be fantastic for the tournament to be lit up by a Balotelli pile-driver.
Playing at the fulcrum of Italy's forward line, he provides many options for the Azzurri's play. Should they wish to play longer balls forward, he certainly has the upper body strength to set up a platform for his team. He is a willing runner into the channels when his motivation is there and playing the ball into feet is certainly not a bad choice. In addition, giving away a penalty when facing Balotelli on the opposing team is effectively the same as conceding a goal. His unique style and supreme confidence from the spot is something to behold. As long as Mario comes mentally prepared, the technical aspects of his game will surely fall into place and give opposition defences a horrible 90 minutes.


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"This martini is a wonderful blend of fresh mango and kiwis, combined for a delightfully fruity and refreshing martini. It is a great summer drink when fruits are fresh and plentiful." – Jackie Fraser-Dunfield, My Wooden Spoons
KiWango Martini
Course: Drinks
- 1 fresh mango peeled and sliced
- 1 kiwi peeled and sliced
- 3 oz. rum preferably amber or dark
- 3 oz triple sec
- 3 parts orange juice
- Fresh squeezed lemon and lime juice
- Ice
Chop 4 slices of mango and 4 slices of kiwi. Add the chopped kiwi and mango and to a blender. Add remaining ingredients and blend.
Pour into a martini or margarita glass. Garnish with lemon and lime slices and serve.


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Tom and Hilarie's Wedding Day
We could just feel the love all day for Tom and Hilarie's wedding. From the second this groom laid eyes on his beautiful bride in an perfect first look, to the first dance, this was a wedding filled with the kind of love so many dream of finding. What a day. Congratulations, Tom and Hilarie!
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text: Categories Ann Arbor Ann Arbor Cab Services Blog Posts Detroit DTW Airport Cab Service LIMO The University of Michigan Tourism Travel Book Gameday Taxi & Limo Services Early – The Michigan Wolverine Football Season Is Almost Here! Post author By Fare Ride Post date June 28, 2021 Advertisements Gameday Link: 2021 Michigan Football Schedule and Game Tickets Book Your Rides With A Service That Knows The Town! Voted Ann Arbor's Best Gameday Transportation Service! Tags ann arbor cab, ann arbor cab company, ann arbor cab service, ann arbor fare ride, ann arbor fare ride taxi, ann arbor limo, ann arbor limo company, ann arbor mi, ann arbor michigan, ann arbor taxi, ann arbor taxi company, ann arbor taxi service, ann arbor taxi to dtw airport, cab from dtw airport to ann arbor, dtw airport taxi, dtw taxi to ann arbor mi, dtw to ann arbor, metro airport taxi, metro airport taxi to ann arbor, michigan, michigan football, michigan stadium, michigan taxi company near ann arbor, michigan wolverines, TAXI, taxi company, taxi near ann arbor, taxi near dtw airport, taxi near me, taxi services, taxi to dtw airport, taxi to university of michigan, taxicab, university of michigan


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Thursday Apr 12, 2018
Lent Week 2: Abraham, Faith, Covenant and Continuity, February 25, 2018
Text: Romans 4:13-25
On the second Sunday of Lent we examined the biblical story of Abraham. His faith is an example that still calls to us today. From Abraham would come the seed through whom all nations of the world will be blessed. The call and covenant of God with Abraham would have been a story that Jesus would have been familiar with. It is ultimatley a story of God's faithfulness. This faith story provides continuity between the Old and New Testaments. We cannot understand the latter without the former.
Version: 20230822


text: We have tons of recipes to share with you! Check out the links below to whip up some of Chef Brian's delicious dishes in your own kitchen. Don't have some of the ingredients on hand? Get creative with what you do have! Show us your creations so we can share with everyone else by tagging your photos with #MaynardsRecipe.


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15 Jun ? Weekend Vibes; Jaywon, Mariechan, Stanley Enow, Navy Kenzo & Chantal Stanfield
Click here to follow this playlist for FREE!
Click play, then rewind, replay, like, comment and certainly share!
And for some added bonus, she's added an extended mix and a Ziyon Remix to the package, so get the aux cable all set for the drive this weekend.
Backed with melodiously produced tunes by Blaq Jersey.
Head on, follow the link and show the Young MaBrr some love.
The ones that got away…
Ice Prince, Nathi, J Molley, Kwesi Jiggs, Navy Kenzo, Touchline, 3Two1, Pappy Kojo ft Sarkodie & More
FRESH Sean Tizzle, Vusi Nova, Jeremy Loops, Bemyoda, Tshego ft Cassper Nyovest, Obrafour ft Sarkodie, Paxton and more
Celebrating Africa Day with music; RJ Benjamin, O47, Silvastone, Zanda Zakuza, Team Mosha, Sho Madjozi, Tito Da Fire and more


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If your business is based in product retail, there is no doubt that taking orders for shipment is imperative to your business. No matter what the product is that your business chooses to offer, orders are sure to pour in,… Read More
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Video Blog: Singing for peace
Meet AMAN: six female vocalists dedicated to singing anthems of peace, coexistence, harmony and secularism.
French author George Sand wrote in a letter to her friend in 1872:
"Art for art's sake is an empty phrase. Art for the sake of the true, art for the sake of the good and the beautiful, that is the faith I am searching for..."
Mankind's struggle against ugliness is as ancient as the human existence itself. In these times, as we continuously witness new wars and bloodshed in the name of "civilizational conflicts", Sand's statement should be the manifesto of every creative person. Sadly, in our not-so-pure land, commercial artists of every medium continue to produce material which doesn't serve the people in any way.
Meanwhile, AMAN, the band, stands as a unique example of our upcoming music landscape. Comprising of six female vocalists, it is the first band in Pakistan dedicated to singing the anthems of peace, coexistence, harmony and secularism in a society where all of these are mere words.
With Entity Paradigm's famed Salman Albert as their technical advisor, AMAN consists of vocalists who are also social activists, working for different development organizations.
The presence of such socially relevant artists is surely vital in today's Pakistan. Art for life is what we need, as art for the sake of art is the philosophy of the well-fed only.


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https://mlac.org/wp-content/uploads/2017/07/MAC-logo.jpg 600 599 mlac https://mlac.org/wp-content/uploads/2022/04/MLAC.svg mlac2019-05-31 15:57:142019-05-31 15:57:14Recent MAC legal win uncovers systemic failures of Boston Public Schools
Recent MAC legal win uncovers systemic failures of Boston Public Schools
A recent Massachusetts Department of Elementary and Secondary Education Problem Resolution System decision involving a Massachusetts Advocates for Children client revealed a widespread unlawful discipline practice in the Boston Public Schools. As a result, BPS is required to change their policies and systems to align with the law and promote justice for students.
"This decision represents a systemic change – not only is our client back in his original school and learning after being unlawfully punished, BPS was required to change its policy so that this won't happen to other students in the future," said Liza Hirsch, MAC Senior Attorney. Read more…


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Still suffering from one of the worst colds I can remember I agreed to my regular walk with Pete, especially as this was forecast as a cloudless, sunny day, albeit very cold, but with the forecast beyond that dire for several days.
The M6 on the way to Tebay was given a landscaping award when it was constructed for the way it sympathetically, if one dare give it that accolade, climbs through the River Lune gorge with the Howgills high on the right, and the railway in between competing for its own engineering achievement.
The river Lune appears to attempt the encirclement of the Howgills, sourcing way up in the north east of those hills, then swinging west, and then south,
Fathers now point out to their children and grandchildren a heart shaped wood on those steep Howgill slopes. It was reputed to be planted by a romantic farmer for his wife, or you can believe other more tragic myths, but the BBC have managed to undermine such heart warming, or heart stopping tales: CLICK FOR BBC .
Our route today followed the single track road nestling tightly at the foot of the Howgills running underneath the bottom of the heart shaped wood and snaking its way down to Sedbergh. To access the road we parked near its continuation up Borrowdale (the Tebay one) which we walked up a few days ago. The road ducks under the M6, and then immediately under a handsome railway viaduct.
The clear blue sky made visible many vapour trails which I tried to photograph, but my skills in that direction rely on a fluke that occurs one in a hundred to provide an unexpected decent result. With Pete our target is to walk four miles and at the 1.57 miles mark, just short of halfway for our there-and-back trip we dipped and rounded a corner to see a splendid view up Carlin Gill where I had a couple of epic forays in winter many years ago.
Just off the road I spied a small notice on a post and went to investigate. It turned out to be posted by the BMC (British Mountaineering Council) who are the main body for overseeing rock climbing in the UK, and it gave seasonal access restrictions for bird nesting. That usually applies in this context to rock climbing and I was not aware of any worthwhile venues around there, although there are some rocks high up in Carlin Gill where one of my epics occurred. As I went back to the road I slipped on some ice and fell heavily, twisting my knee, and knocking up my thumb very painfully. So much for prudent winter walking on Tarmac. At that point we aborted our four mile target and turned back for the car - total mileage finishing at 3.14 - oh dear!
Back home I had a hot bath, ate half a meal and chucked the rest and went to bed.
This morning I arose at 6:00 to receive granddaughter Katie at 7:00, dropped her off at school at 8:45 and am now back home writing this feeling slightly better, but still a bit sorry for myself.
|If you click to enlarge you may better see one of the many vapour trails I tried to photograph, but at least the photo gives some idea of the colours and terrain of the Howgills on this fine day
|River Lune looking north
|More vapour trails if you enlarge
|The heart shaped wood. Its shape is only apparent from the motorway on the other side of the valley
|Click to enlarge.
I never tire of seeing this kind of dales stonework with its skills, patina of moss, and age
|Carlin Gill
|For my "Signs" collection.
Would you want to?.