text:
This simple bridal topper is the perfect finishing touch to your dress. It's made of soft stretchy mesh, kimono fitted sleeves, and ties to finish. The tails can be tied in a bow or knotted, trimmed and tucked under leaving a seamless finish.
This designer quality accessory is made to order to your bust and waist measurements. Perfect fit is not guaranteed, but strived for.
For best results please send measurements (over gown) in the Notes section while checking out.
Measurement Requirements:
Hollow to Waist-
Shoulder to Waist-
I am not responsible for errors made while measuring, but please do contact me if you have any issues!
I make each dress to the measurements given, some minor alterations might be needed. A seamstress in your area will work with you. If you are in the Louisville, KY area, I will be happy to help you get the perfect fit.
If you have any questions, comments, or concerns, please message me in a Conversation or check out my shipping and policy page. I look forward to hand making your customized dress!
All sales are final and you have 3 days to cancel your order.
While all my dresses are made to measure through the bust, waist, hips, and length alterations may be needed. Perfect fit is not guaranteed, and while I do take your measurements into account when patterning and cutting your gown, I have no way of controlling how the dress actually fits on your body. I am not responsible for errors made while measuring or ill fitting dresses even if the measurements are correct, sometimes dresses don't fit like one thinks they will. It is a Custom Design, not a Custom Dress.
***All sales are final, no exchanges or returns can be made.
***Don't let the above paragraphs scare you!
If you have any questions please ask!
1-2 weeks
Buyers are responsible for any customs and import taxes that may apply. I'm not responsible for delays due to customs.
Request a cancellation within: 3 days of purchase
But please contact me if you have any problems with your order.
All my dresses are made to measure and I do not have a standard size chart. I understand that it makes it more difficult purchasing a dress because you have to know your measurements, but in the end its a better fit.
I feel that no one should have to "squeeze" into a size just because their body isn't "standard proportions."
Your body is not wrong just because it doesn't fit into a brand, its the brand's fault for not fitting their garment to your body.
This being said, I DO NOT guarantee a perfect fit. Alterations, still may be needed.
Due to most of my garments being Special Occassion, I do not accept returns or exchanges and ALL SALES ARE FINAL.
If however you receive my product and its not quite up to your standards (anything other than fit), please let me know and I will do everything in my power to make it right and fix it.
Custom dresses are difficult, because you don't actually know what you're purchasing until 6-8 weeks after you pay for it. I understand that and during the design process I try to ask as many questions as possible to make sure I know exactly what you're looking for.
Make sure you see all my other designs, you let me know if I missed a design detail, and understand that in the end the dress won't be exactly what is in your mind.
I'll make sure its high quality,and something you should spend your money on, but in the end if you don't like the design, I'm sorry, all sales are final.
Contact me if there are any issues and I'll see what I can do to fix it!
No, I won't make an exact replica of another dress.
I can however make something that has the same vibe and energy of your inspiration dress.
Aug 25, 2019


text:
Know the Audience, No Other Rules on My Presentation
As the golden rule for preparing a presentation, "practice, practice, and practice" is an essential skill to everybody. And I agree that the more I practice, the better I get, because it's never an easy job to demonstrate and explain something in front of different audience. Making a presentation involves public speaking, which can be seriously scary. Famously, speaking in public has been voted scarier than dying (which says something about its lack of popularity). So if we make enough practices before, the confidence and courage is fearless.
Since we know the importance of practice, we should know more about our audience. I usually ask myself some questions in hehearsing, such as what's the instant reaction from audience to my words. It's easy to do a piece of research of those potential audience. Once I know some information about them, like genders, ages, or interests, I may add the considerations into my practice.
Practice is an essential, not a rule on presentation skills. Knowing a little about audience is the tip of such a game in which audience and me are players. Then no scary anymore. Like what's quoted in the book The Art of War on 6 century BC: "If you know others and know yourself, you will not be imperiled in a hundred battles".
William Peterson

subset: commoncrawl


text:
The Bulldogs-vs.-Blue Devils rivalry would become a thing of the past under a consolidation scenario proposed Monday night by the Kenmore-Town of Tonawanda School Board.
Under the scenario, one of the district's two high schools would contain grades 10 through 12; a junior high school in the other building would contain grades 7 through 9; and there would be prekindergarten through grade 6 at an undetermined number of elementary schools – although at least two, but possibly four, elementary schools would close.
The scenario was added to three others that the board in August asked its administrative team to study in-depth.
With Kenmore East 56 percent full and Kenmore West operating at 65 percent, board members said the idea was worth looking into.
"Let's find out what the numbers bear and put that on the table, too," said Vice President Stephen G. Brooks, who proposed the scenario at the board's special meeting.
The presence of two high schools has been part of Ken-Ton's cultural identity for 54 years. Although at the beginning of the consolidation process, the idea of having only one high school was considered a nonstarter, board members said they have heard from an increasing number of district residents who are open to at least studying the possibility.
"No decisions are being made tonight," Brooks said. "This is just to get everything on the table."
The other three scenarios would:
• Close one undetermined elementary school and one undetermined middle school.
• Close Kenmore Middle and two or three undetermined elementary schools; reconfigure Kenmore East and West to include grades 8 through 12; reconfigure Franklin Middle and Hoover Middle to include grades 5 through 7; and reconfigure Franklin Elementary and Hoover Elementary and two or three undetermined elementary schools to include pre-K through grade 4.
• Reconfigure Kenmore East and West to include grades 7 through 12; reconfigure the Hoover and Franklin complexes to include pre-K through grade 6; and transform two undetermined elementary schools into "specialty" or "themed" elementary schools.
School Board President Bob Dana said an aggressive approach to consolidation may be what's best for the district, which saw its unofficial enrollment total slide again in this school year to slightly more than 7,000 students.
Besides achieving some cost savings, consolidation would also help alleviate disparities in class sizes that range from 15 at the smallest and 28 at the largest, he said.
"The reality is, some schools are going to close," he said. "And the reality is there are going to be some people who aren't going to be happy."
The board plans on soliciting public input on the scenarios using methods that may include an online focus group.
Peter C. Stuhlmiller, president of the Kenmore Teachers Association, said he welcomed the new scenario but again pushed for the board to seriously consider selling other district-owned property before schools.
"If they can consolidate some of these non-instructional buildings, it may generate the savings that would mitigate the need to do anything radical with our neighborhood schools," he said.
The board has asked its administrators to study those possibilities as well. School Superintendent Mark P. Mondanaro said he would likely be prepared to give a presentation on the matter when the board holds its regular meeting Oct. 8.
email: email@example.com


text:
Happy 4/20 weekend!
As a perfect merging of events, 4/20 falls on Record Store Day and the Deep Ellum Gallery Walk -- yeah, you're welcome. There's an opera festival kicking off in Fort Worth, a screenprint showcase, a boxing match, GIF art, George Saunders (we've got free passes for that), two home shows, a Renaissance festival and Kettle Art's farewell exhibition show. It's another big ol' Dallas weekend so let's make a plan together.
Puff, puff, pass this list around your crew and click on the event titles for more information. I'll see you out there. (I'll be the one elbow-deep in a Pringles tall can.)
Thursday 4.18 Jubilee, Kettle's Last Art Show (current location)-- Attention: Do not cry on the art! Artists hate that. Tonight is the beginning of the end: a gallery retrospective group show celebrating Kettle's longstay Deep Ellum address. Join everyone, simply everyone, as we unite to sing this song in the name of Kettle's community legacy.
Scotch Whisky Extravaganza -- This party is just proof that you're running in the wrong circles. This club is dedicated to drinking delicious whiskey. If you've got enough money, you can go.
CentralTrak's Next Topic: "Art Writing and Art Criticism in Texas" -- A recurring topic in our hood is that there are too few people writing about art, which seems easy enough to solve, right? Just get more art writers? But it isn't as simple as that. Training, background, available time, niche interest, willingness to publicly say something's terrible or great and detail why it is the case, conflicting interpersonal relationships within a small community -- these things all play a role in the void. Tonight, a few minds will get together at CentralTrak to hash it all out, which will be too inside baseball for most of you, but positively titillating for the remaining handful.
Citizen Twain --
Chris Knight Val Kilmer's been hanging out/being weird all around Dallas for the last two weeks. That's because his new one-man show about Mark Twain runs this weekend at the Wyly. I mean, we're all going to this, right?
Friday 4.19 George Saunders -- The New York Time's Magazine dedicated an entire cover to Saunder's newest book Tenth of December, calling it the best book you'll read in 2013. I agree. He's got a special way of speaking his characters' brains, and a jazzy pace to his prose. He's doing a reading at the DMA and tickets are sold out. DO NOT PANIC: I'm doing a giveaway.
Continental Gin Open Studios, plus "Doing Lines" -- Dallas' Continental Gin Building is a creative stronghold, a rented crashpad for ideas by artists of every medium, and a few times each year they invite you to party with them and gawk at all they do. This weekend is that time. Piggybacking onto the affair is the group show within a show, "Doing Lines."
Bud Light Pro Fight Series -- Yeah! Bloodsports! It's a welterweight match-up, featuring fist-thrashers Hector Vazquez, Dallas' Julio Cesar Rangel and Fort Worth's Tony Lopez, with a main-event match between Houston's Rogelio De La Torre and Waco's Milton Bad Boy Ramos.
"Under Pressure," the North Texas Print Guild Spring Exhibition @ Art Hotel -- Who doesn't love a screenprint show? Crazies, that's who. Get an eyeful of the best poster-based art of the season at this tidy little group show, happening at some place called Art Hotel in the Cedars.
Dwell With Dignity Thrift Studios -- Nesters, beware: Dwell Thrift is an amazing gift for your home, soul and pocketbook. DWD is a local organization that assists families transitioning out of homelessness by furnishing and designing their new apartments' interiors. It's a lovely mission, and it's partially funded through shopping events like this where you find newly refinished or reclaimed pieces in the Dwell showroom and snatch 'em up on the cheap. It opens to the public on Friday, so get there early for first pick.
Eraserhead with Wig Party -- It's David Lynch's surrealist feverdream, and Texas Theatre pulls it out in style, with a 35 mm screening and an accompanying wig party. Better pop it high and tight if you want to pose perfect in the lobby.
Saturday 4.20 Record Store Day -- It's the happiest day of the year! The line-ups are pretty killer too. Did you see the Relatives are playing at Good? Deep Ellum Gallery Walk -- There's 15 spots listed on the Deep Ellum Gallery Walk, but considering you've already visited Kettle, here's four that you need to hit. * "GIF the Fuck Out" -- A Celebration of all GIF art, organized by scamp misfits HOMECOMING! Committee, and housed by the Deep Ellum Windows Project. * "Loose Cooperation" -- A way bitchin' group show curated by Sally Glass, featuring work by 14 artists, including Stephen Lapthisophon, Rachel De Joode and Cassandra Emswiler, and many others. Also housed in a Deep Ellum Windows joint. * "Space for All Endings" at Kirk Hopper -- Life's a film for Dallas-turned New York artist, Keri Oldham, whose watercolor world displays the end of days: the credits. Check out her blend of cinema and reality, dipped in celluloid sentiment at this opening reception. * "Of Twark and Trubble, featuring 'The Perfidious Petards'" -- Of course you're going to pop into Public Trust to see this new show by Jacobine van der Meer.
If you like this story, consider signing up for our email newsletters.
You have successfully signed up for your selected newsletter(s) - please keep an eye on your mailbox, we're movin' in!
Fort Worth Opera Festival Kicks off -- It's one of those magical weekends to be an opera lover. Of the four that FWO will offer during the course of its multiweek fest, you can see either La Bohème or Glory Denied in the next few days.
Sunday 4.21
Scarborough Faire -- As if the new mermaid lagoon wasn't reason enough to visit this Renaissance hold-out, this weekend features the Highland Games. Yes, you can finally use that "Caber? I barely know 'er!" joke that you've been squandering.
Battle of the Home Tours: White Rock Lake vs. Turtle Creek -- We've got two big home tours happening this weekend. In one corner sits the all-modern, more humbly ticket priced White Rock Homes. In the other corner, the ultra-plush, antique furnitured high-rise living Turtle Creek dwellings. Pick your poison. We've got a ticket giveaway for the White Rock tour.


text:
Our Signature Star Quilts have been one of best sellers for over 15 years. A classic practical gift that parents love to receive.
We applique 5 stars and embroider baby's name and date of birth.
Size: 75 x 100 cm.
Designed in Galway
Material: Two layers of quality soft fleece.
A perfect new baby girl gift, Christening or indeed 1st Birthday gift.
Presented in tulle net, satin ribbon and coordinating keepsake box with gift card.
Option to personalise keepsake box available.
Order before 2 pm for next working day delivery!
Order before 2pm and your gift will be sent today
Ireland - €2.95 up to €19.95 and only €4.95 for any size order over €19.95. Next day delivery via courier for any amount of gift to the same delivery address.
UK - €5.95 via courier (2-3 days delivery) Flat rate any size order.
Europe - €19.95
Worldwide shipping including our popular destinations: the USA & Australia via An Post registered services- from €25.00.


text:
Elizabeth Bierut
Elizabeth is an associate in Ropes & Gray's Litigation and Enforcement practice group. Elizabeth focuses her practice on complex commercial litigation, with experience advising public and private companies in contract, insurance, bankruptcy, and securities matters. Elizabeth has also represented companies in SEC, DOJ, and World Bank investigations involving securities, accounting practices, data breach, and FCPA issues. Elizabeth maintains a significant pro bono practice, serving as appellate and amicus counsel in criminal and immigration cases before the United States Supreme Court and the Second Circuit.
Prior to joining the firm, Elizabeth served as a law clerk to the Honorable Shira A. Scheindlin of the United States District Court for the Southern District of New York.
Currently, Elizabeth is an adjunct professor at Fordham University School of Law, where she teaches legal writing.
- Successfully represented insurers in $1.1 billion coverage dispute in federal court. Assisted in drafting of Insurers' summary judgment briefs, which resulted in dismissal of all Excess Insurers from case.
- Represented trustee of residential mortgage-backed securities trusts in multiple repurchase actions pending in New York Supreme Court and the District of Connecticut.
- Represented creditors' committee in litigation and related appeals in a Chapter 11 case.
- Represented a life sciences company in connection with a World Bank investigation into the company's international operations.
- Counseled an asset management company on data breach incident investigated by the DOJ.
- Represented a group of retired Article III judges as amici curiae to the United States Supreme Court in case involving vagueness doctrine at intersection of immigration law and criminal law.
- Represented father in a high profile international child custody dispute before the United States Supreme Court.
- Business and Commercial Litigation in Federal Courts (Federal Claims Based on Land Use Regulation), American Bar Association Section of Litigation (Fourth Edition 2016; 2016-2017 Supplement)
- JD, magna cum laude, Fordham University School of Law, 2013
- BA, with honors, Swarthmore College, 2008


text:
- Home
- About
- Practices
- Products
- Product Engineering
- Industries
As mobile devices continues to get bigger and the interaction more immersive, mobility has become an essential touch point for businesses to reach their customers. Mobility technologies are enabling companies to transform the way solutions are built, and mobile apps are evolving. Newer and evolving technologies such as IoT, BlockChain are morphing with mobility, disrupting traditional business models.
BRT helps clients embrace mobility as a digital transformational strategy to deliver real, measurable and sustainable improvements in business performance.
Clients partner with Blue Rose to effectively address challenges of critical mobility issues, like functional defects, poor UI/UX, below-par performance or device compatibility issues. Blue Rose provides end-to-end mobile application testing, including both functional and nonfunctional testing on any device, on any OS and for any location.
Automation plays an important role in maintaining mobile application quality and achieving on-time delivery.
Our Mobile App testing covers


text:
Half-Day rentals cannot leave later than 2PM.
You are booking the Destin location.
Please be sure to read the following rules and regulations for all pontoon rentals:
For any questions about our pontoons or waverunners, please read the following information:
Nightly and weekly rentals available. Please call to book!
Pickup Location
404 Harbor Blvd
Destin FL 32541


text:
It was made plain that delay in any guise in order to deny the constitutional rights of Negro children could not be countenanced, and that only a prompt start, diligently and earnestly pursued, to eliminate racial segregation from the public schools could constitute good faith compliance. State authorities were thus duty bound to devote every effort toward initiating desegregation and bringing about the elimination of racial discrimination in the public school system.in reference to:
""It is our responsibility to comply with Federal Constitutional Requirements and we intend to do so when the Supreme Court of the United States outlines the method to be followed.""
- Cooper v. Aaron, 358 US 1 - Supreme Court 1958 - Google Scholar (view on Google Sidewiki)


text:
Machine Learning Internship
Employer: American Family Insurance We are specifically targeting candidates who are currently pursuing a master's degree or PhD in Statistics, Computer Science, Computer Engineering or related field with an emphasis in machine learning and Data mining. The insurance domain offers a unique rich data environment for a Machine Learning scientist to develop new models and algorithms that have the potential to positively impact thousands of customers. Machine learning and related quantitative sciences are of significant strategic importance to our company. We innovating in the insurance landscape by using stat-of-the-art machine learning techniques e.g.: recommendation engines, fraud detection, temporal data mining, etc. Our team is comprised of machine learning experts in our headquarters located in Madison, WI. We believe in the long-term impact of Machine Learning to all our businesses. We…
Link to Full Article: Machine Learning Internship
Machine Learning Internship


text:
Wanted: One side-kick, must love beer, Spanish speaker preferredPosted: January 20, 2012 Filed under: Literature, Pale Lager, Peruvian Beer | Tags: Cervantes, Cusqueña Beer Leave a comment
So often, late January is the time when New Year's resolutions fall apart. There are a number of reasons for these failures. Most of the problems involve impulse control and will-power. However, a many people set unrealistic goals and bring about their failure in that way.
The most extreme and strict resolutions are so prone to failure because an all-or-nothing attitude can make even the smallest of hurdles insurmountable. You couldn't get to the gym today? Might as well eat a whole pizza, resolution over. It has almost become a recurring theme on this blog to encourage moderation. Moderation in drinking, moderation in studying and now moderation in self-improvement. By being moderate in what we hope to accomplish, we will experience only moderate setbacks. If we wish to make tremendous changes, the obstacles we face will be tremendous.
Still, one must admit that there is some sort of virtue in attempting great self-improvement. So how can one seek greatness without falling on every small difficulty? The answer may be in the attitude of the man of La Mancha. Don Quixote's goals and aspirations were extremely high; higher than even conceivably attainable. However, when he encountered setbacks, he simply added them to the list of things that he would overcome. Each time that something went wrong, and that was quite often, he saw an opportunity to make his glory even greater. Sure he was delusional, but perhaps a bit of delusion is exactly what is needed to drive one to greatness. So remember, those windmills really are giants. And if they knock you down, get right back on your horse and chase down the wizard who sent them to get you.
Beer of the Week: Cusqueña Malt Lager – While Cervantes was writing about our quixotic hero, the Spanish Empire was growing. Although the Spanish no longer control Peru, their influence there will probably never go away. Cusqueña, however, may not stand the test of time. The most exciting part of this beer is the fact that it's from Peru. The look isn't at all bad. It is a pale gold with a pure white head. From there, it is pretty much down hill. It is reminiscent of a standard American macrobrew, although it may have a bit more flavor. The finish is rather wet, which doesn't help the overall appeal.
Reading of the week: Don Quixote, Part One by Miguel de Cervantes – Don Quixote tilting at windmills is the most iconic scene of Cervantes' masterpiece. Taking on 30 or 40 horrible giants can be quite daunting, so "if thou beest afraid, go aside and pray, whilst I enter into cruel and unequal battle with them."
Question of the week: If you take on a quixotic project, how important is it to have a Sancho Panza?


text:
Sorry for the inconvenience.
Search again what you are looking for
Wooden TV Stand with Bracket for Curved and Flat TV's with Black Glass
Stunning wooden end designer TV Stand with attached TV bracket suitable for 32" to 65" Curved and Flat Panel TV's This TV Stand is made with real wooden veneer along with piano black tempered safety glass and would stand out in any living room. Very easy to assemble. Comes in Oak, Walnut, or White.
Search again what you are looking for


text:
Our Equipment
HP L25500 Latex - 60" large format printer
The HP L25500 Latex is a 6 color large format ink-jet printer. It will create full bleeds on 60" rolls up to 250 feet long printing on plain paper, gloss and even vinyl stocks to create a lasting impression for your sign products. The inks and papers are of archival quality so they can produce images that will last a lifetime when stored under UV protection as well as environmentally friendly due to the latex properties.


text:
Don't you just love having a pretty table during the holidays. These napkin rings, using the Joyful Christmas stamp set, are so easy and quick to create, and add a little glitz as well. The mini muslin bags make unique place tags for the table, and they hold a special treat for guests. Makes for a fun Holiday class too!
This beautiful project was designed by Buffy! If you have a chance please head on over to Buffy's blog and let her know how fabulous her project is!
If you would like to subscribe to the December edition of Craft Project Central and get 10 wonderful tutorials for only $10 then click HERE!
More December projects that you may have missed:


text:
By continuing to use this site you consent to the use of cookies on your device as described in our cookie policy unless you have disabled them. You can change your cookie settings at any time but parts of our site will not function correctly without them.
We have updated our Privacy Policy to better explain how we keep and use your information to profile groups based on factors like interests, age, location and more so we can better understand our customers to adapt and improve our products and services. To find out more, please read our Privacy Policy.
This site is for financial advisers only, Click here for the consumer site.
Individual Taxation - Knowledge Direct
The 0% rate of tax on Savings Income
Since 6 April 2015 the £5,000 nil-rate band for savings has been available for those with non-savings income of less than the personal allowance (£11,850 in 2018/19) and the nil-rate band for savings combined - a total of £16,850 in the 2018/19 tax year.
Example 1:
Steve has employment income of £11,850 and receives interest on his building society savings to the sum of £3,000 each year.
As his earned income and savings income together do not exceed £16,850 he is entitled to the zero rate of tax on his savings.
Where non-savings income exceeds the personal allowance but is less than £16,850 the balance is available for savings income to be received with no liability to tax:
Example 2:
Joan has employment income of £14,850 and receives interest on her bank savings to the sum of £3,000 each year.
Joan is entitled to the zero rate of tax on £2,000 of her savings income.
On 6 April 2016 HMRC removed the obligation for banks and building societies to deduct income tax from interest distributions and we welcomed two new allowances, the Personal Savings Allowance for basic and higher rate tax payers and the new Dividend Allowance for all. These are in addition to the nil-rate starting band for savings.
The personal savings allowance is set at £1,000 for basic rate tax payers and £500 for higher rate tax payers. Additional rate tax-payers have no entitlement. Care also has to be taken where an individual crosses from one tax bracket to the next (taking into account their savings income too) because their entitlement will be reduced or lost.
If we consider example 2, previously, the £1,000 payable outside of the starting rate band for savings would have been liable to tax at 20%, however, the introduction of the personal savings allowance means the extra £1,000 will also be tax free.
The dividend allowance of £5,000 is available to everyone and means that the first £2,000 of dividend income received has no liability to tax. Dividend income in excess of this amount is liable to tax at the dividend ordinary rate of 7.5%, the upper rate of 32.5% or the additional rate of 38.1% depending on which tax bracket it falls.
It is important to remember that the dividend allowance is not an additional allowance as such but sits over the existing bands and the first £5,000 of your dividend income, whichever bracket it falls in will be free from a tax liability.
For example, if you have £45,350 of earned income and £7,000 in dividend income, the first £1,000 of dividend income falls in basic rate, and the next £4,000 6,000 falls in higher rate. However, of this, the first £2,000 is received with no tax liability and the remaining £5,000 is liable to tax at the dividend higher rate of 32.5%.
Importance of understanding the source of income
Whilst the changes to the nil-rate band for savings and the introduction of the Personal Savings Allowance are intended to benefit those on lower levels of income mainly, there are opportunities for individuals whose total taxable income is greater than £16,500 but their non-savings income (such as earnings or pensions) is below this.
The order of taxation remains unchanged as detailed in the diagram below. Dividend income is taxable income, when determining the liability to tax and in the order of taxation dividend income stands alone. It does not fall within either the savings or non-savings income brackets and this important point creates opportunities for tax savings. Where the total taxable income exceeds £16,850 but non-savings income (such as earnings or pensions) is less than £16,850 there will be no liability to tax on part of the savings income. See example 3 below and Case Study 2.
Example 3:
Jenni has employment income of £14, 850, dividend income of £2,000 and savings income of £4,000. She has her full personal allowance of £11,850 available.
Jenni's total taxable income is £20,850 but because her employment income (ie earned income) is only £14,850 she has £2,000 of the starting rate band for savings available for the first £2,000 of her savings income. She also has the £2,000 dividend allowance which means there is no tax liability on her dividend income.
Benefits for Offshore Investment Bond holders
Gains from life assurance policies are treated as savings income within Chapter 9 of Part 4 Income Tax (Trading and Other Income) Act 2005, however, when considering the order of taxation, there is a hierarchy to consider. Gains from onshore investment bonds are always taxed as the highest slice of income whereas chargeable gains arising from offshore bond investments fall within the "savings income" bracket and as such may fall within the savings income band.
Order of Taxation:
The following case studies are provided to highlight how chargeable gains from offshore bonds interact with the available allowances and tax bands. Careful consideration and planning can ensure that the withdrawals are as tax efficient as possible even where chargeable gains arise.
It is important to remember that gains from onshore bond investments cannot benefit from the nil rate starting band for savings or the Personal Savings Allowance because basic rate tax is already deemed to have been suffered within the investment. Under S465 of Income Tax (Trading and Other Income) Act 2005, chargeable gains from onshore bond investments are treated as the highest part of income because the tax deducted at source cannot be reclaimed under any circumstances.
Case Study 1:
Jonathan's pension income is £11,000 and he wishes to supplement this by taking a regular withdrawal of £10,000 per year from his Old Mutual International offshore investment bond.
He invested £100,000 into his bond which would provide a 5% tax deferred allowance of £5,000 per year. As his withdrawal will exceed this he will incur a chargeable gain of £5,000 each year.
However, as the gain, when added to his pension income keeps his income under £16,850 he will have no tax to pay on the withdrawal:
Total Income: £16,000 (£11,000 + £5,000)
Case Study 2:
Simon is the sole owner and director of his Graphic Design Company, SJ Designs Ltd. He pays himself an annual salary of £11,850, and in this tax year (20187/19) he has paid himself a dividend of £50,000. He has no other income and has the full personal allowance available.
Simons' daughter is getting married and he would like to pay for the wedding. To do this he needs to withdraw £25,000 from his Old Mutual International Offshore bond. This withdrawal will realise a chargeable gain of £10,000.
Simon's tax liability for the year will be:
Case Study 3:
Frank is married to Karen and they have twin boys Joshua and Sam aged 19. Frank inherited £500,000 14 years ago when his mother died which he invested into an offshore bond with Old Mutual International (Isle of Man) Ltd and his fund is worth £1,000,000 now.
Frank has decided that he would like to make annual withdrawals from his investment for Karen and the boys to provide Karen with a small income and to supplement the boys' income whilst they are at University.
Frank is a higher rate tax payer earning £75,000 per year; Karen only has a small income of £10,000 per year from her part-time job, the boys are also working part time whilst at University and each has a small income of £4,500 each year.
The original investment was split into 500 individual policies. The most tax efficient way to withdraw capital is to assign individual policies to Karen and the boys prior to their encashment. Frank decides to assign 4 policies to each of them in the tax year 2018/19. He has made no previous withdrawals.
Chargeable gain per withdrawal of 4 policies: £2000 - £1000 = £1000 gain x 4 policies = £4,000.
Tax liability for Karen:
Total Income: £14,000 (Taxable income £10,000; chargeable gain £4,000)
Tax liability for each of Joshua and Sam:
Total Taxable Income: £8,000 (£4,000 taxable income; chargeable gain £4,000)
If Frank had withdrawn the proceeds from the 12 policies in his own name the tax liability would have been £4,800 (£12,000 chargeable gain x 40%).
As an alternative Frank could have chosen to make the withdrawals as partial withdrawals across all policies within the 5% tax deferred allowance, however, as the proceeds are for the benefit of Karen and the boys and they can all take advantage of their personal allowances and the £5,000 savings income band this is the most tax efficient solution in this situation. It crystallises the gain at the time of the withdrawal.
Created on 10 October 2016
The information provided in this article is not intended to offer advice.
It is based on Old Mutual Wealth's interpretation of the relevant law and is correct at the date shown on the title page. While we believe this interpretation to be correct, we cannot guarantee it. Old Mutual Wealth cannot accept any responsibility for any action taken or refrained from being taken as a result of the information contained in this article.
Financial Adviser Verification
The content of this site is approved for use by financial advisers only. It hasn't been approved for customers to view.
If you are NOT a financial adviser, please click here to return to Old Mutual Wealth's homepage.


text:
As spring turned to early summer, and early summer flourished into late, I've enjoyed making thorough use of the growing abundance of flowers that come at these wonderful times for Cathy at Rambling in the Garden's 'In a Vase on Monday' challenge. My arrangements have got bigger, grander, more experimental and more confident with every passing week, a far cry from the simple posies that represented my earliest attempts. However, as often happens when getting a vague handle on a new skill, I got over-confident and last week I produced a vase that I wasn't happy with at all. The individual flowers in this vase were all quite beautiful in themselves; it was the confluence of these flowers that was the failure. They just didn't go together.
So this week I thought I'd go back to basics. I put away all my beautiful vases, and took out five or six clean, empty jam jars. I filled them with water and set them out on the garden table. Then I went around the garden with my scissors and started to fill the jars; but this week, I gave myself a rule, which was that each jam jar could contain no more than three different flower types. Oh, I did have fun. I might continue to set myself this challenge from time to time in the future.
Then I placed my jars in various spots around the house. A big, grand vase of flowers is a very fine thing indeed, but a wee jar of simple flowers in every nook and cranny is a different delight altogether.


text:
On Tuesday last week we announced a partnership with Akamai to deliver a solution for some of the most amazing video solution son the Web.
Silverlight was designed to provide built-in support for Adaptive Streaming solutions and is fully extensible so that anyone can build their own custom implementation. For example, MOVE networks is using this model, using their own custom Adaptive Streaming solution with Silverlight as a delivery/front-end experience. A fine choice.
We are also providing a fully featured, built-in, Adaptive Streaming solution based on our best of breed Windows Server and IIS technologies.
IIS Smooth Streaming is a free feature of IIS that when coupled with a Silverlight player will provide an amazing Adaptive Streaming experience. http://www.smoothhd.com/ is our joint example site which is front-ended with a silverlight application and backended with IIS Smooth Streaming.
I'll tell you what, the quality blew me away.
We are also improving our Expression tools to make it easy for anyone to take a media file and create the files that IIS Smooth Streaming will support so you can take advantage of it.
Or better yet, Akamai is going to launcha service to just take care of all the hard work for you.
cool stuff!
Read more:
NYTIMES: Microsoft, Akamai team up for 'no-buffer' video streaming
Our press release: http://www.microsoft.com/presspass/press/2008/oct08/10-28AdaptiveStreamingPR.mspx


text:
Times of India
Himanshi Dhawan & Mahendra Singh, TNN Oct 8, 2013, 01.38AM IST
NEW DELHI: India is set to roll out the red carpet for foreign tourists. The government on Monday cleared a slew of measures including extending visa on arrival (VoA) to 40 countries, establishing an online application system for visas and facilitating visa on arrival for pensioners and those attending conferences.
The decision means foreign tourists will be able to apply for an Indian visa from the comfort of their homes while citizens from 40 countries including the US, the UK, Germany, France, Brazil, Russia and China among others will avail visa on arrival when they land on Indian shores. The government has also agreed to extend visa on arrival to foreign travelers above 60 years of age from all countries and cut down the time taken to give visas to groups that are keen to attend conventions.
"There has to be a change in mindset towards the way we treat foreign tourists. All representatives of government agreed on extending visa on arrival to 40 countries and initiating an online system as soon as possible," planning minister Rajeev Shukla said.
The ministries of tourism and home affairs have been tasked with preparing a roadmap since initiating the visa on arrival scheme will require a large amount of infrastructure and manpower. So far, citizens of around 11 countries including Japan, New Zealand and Vietnamcan avail visa on arrival.
The government is closely reviewing the online application systems adopted by Sri Lanka where only electronic visas are issued for tourists on short visits.
A consensus was reached on these issues during a high level meeting convened here on Monday by the Planning Commission.
"We want to develop a world class visa regime. I am going to write to the home minister with the outcomes of the meeting aimed at liberalizing the visa regime," Planning Commission deputy chairman Montek Singh Ahluwalia told TOI.
The meeting included the national security advisor, Ahluwalia, representatives from the PMO,Intelligence Bureau, and ministries of external affairs, home and tourism.
"There was broad consensus on simplifying online visa system, relaxing visa regime for all types of conferences and senior citizen foreign tourist or foreign pensioners," Shukla said.
According to the minister, there are many senior citizens, including pensioners, who want to visit India. The government has decided to relax visa norms for a group of four such foreign tourists. But that decision has not been implemented so far. The home ministry was of the view that visa on arrival could be expanded to include more countries, but there is shortage of staff.
"Tourism ministry was willing to share its budget with the home ministry so that more officers can be posted on immigration counters that could facilitate visa on arrival," Ahluwalia said.
Another suggestion was to bring down the number of categories of visas from the existing 16 to just three -- employment, business and visitor.


text:
Look! Do you see my name?
That is my name right next to
Janet Gilbert's name!
Yes, much screaming and jumping up and down
was done by me when I saw it!
You see Sew Beautiful
is my very favorite magazine.
I have learned so very much of sewing,
and inspiration
from this magazine
and it's writers.
Janet Gilbert is my favorite!
(Yes, she knows that I was a stalker fan before
we finally "met" and now we are friends!)
And look!
Our story is even a "cover story"!
So Janet and I worked on this article together.
It features 3 of my skirts
and 3 of Janet's skirts.
One of the skirts is my
Monkey Girl Bloomer Skirt pattern.
You can buy the pattern here from my blog,
Or from my Etsy store
Or from Fairytale Frocks And Lollipops
The corduroy A-line skirt with zipper trim
is featured in the article as a free pattern!
My photos are awful but the photos in the magazine are
much better!
And the free tutorial for my "Math Skirt"
pattern are featured on the
There are many, many more
wonderful articles,
ideas and patterns in the Back To School issue
of Sew Beautiful!
So to share my joy and excitement,
I am giving away a copy
of this issue of Sew Beautiful Magazine!
If you would like to be included in this giveaway,
please leave me a comment
with your email address.
Thank you for sharing my joy!!!!!
Happy Sewing!!!


text:
Rest in peace, Snowey Williams, my fluffy little baby. You'll always be my best friend and family. 💜💙💛❤💚 26/04/2004 – 10/03/2017
via Rainbow Bridge Online Instagram @christinew20
View this post on Instagram
Hi Snowey. Welcome to #rainbowbridgeonline x #Repost @christinew20 with #love #respect #sadness ・・・ Rest in peace, Snowey Williams, my fluffy little baby. You'll always be my best friend and family. 💜💙💛❤💚 26/04/2004 – 10/03/2017 #rip #seeyousoon #cat #cats #catsofig #catsofinstagram #petloss #sadday
This post is taken from our Rainbow Bridge Online Instagram Page where you can submit your pets to Rainbow Bridge for free. It is fast becoming the leading pet loss / pet memorial page around the world.
Why not click on the Instagram logo on the bottom right corner to read the comments by our community to date, or you can like or a comment for this Rainbow Bridge pet yourself? Your kind words may help someone who is having a hard time right now.
You can also leave a comment below, and share to help spread the word.
If you know the owner, or you or someone else you know has lost a pet to Rainbow Bridge, maybe consider a Buddy Memorial Pin which you can get through our Online Store?
You may also find words of comfort in my Rainbow Bridge poems The Rainbow Bridge and A Single Tear.
Love and hugs to those waiting at Rainbow Bridge, and the owners who will reunite with them one day. Remember, at Rainbow Bridge, it's not goodbye, it's see you later.
#rip #seeyousoon #cat #cats #catsofig#catsofinstagram #petloss #sadday


text:
There are a million reasons why you would never want to subject yourself to watching the MLB all-star home run derby and listen to Chris Berman try to come up with new ways to say "back back back back back back back back back, GONE!"
It's pretty much nauseating.
But every once in a while, there's a reason to watch, and it's usually a local tie. There, of course, was the show Josh Hamilton put on in the old Yankee Stadium, and back in 2009, Nelson Cruz was in the derby and actually lost to Prince Fielder.
Sports Connection
Connecting you to your favorite North Texas sports teams as well as sports news around the globe.
Now, Fielder is back, as it was confirmed Wednesday he'd participate in the contest, which has been given a new format that should make it a little more TV friendly and not a four-hour marathon.
Fielder is a two-time Derby champ and will be the No. 7 seed, pitted against No. 2 seed Todd Frazier of the hometown Reds. Fielder won the event in 2009 and 2012 as a member of the Brewers and Tigers, respectively.
He has 13 home runs on the year, which is actually second on the team to Mitch Moreland, and leads the team with 51 RBIs as well as being just points behind Miguel Cabrera for the AL batting lead.
As a bonus, the Reds' ballpark has long been a favorite of Fielder, as he has more home runs there than any other visiting ballpark over the course of his career.


text:
Nov. 22, 2008
MOON TOWNSHIP, PA - Martina Racic led a balanced Long Island University attack with 11 kills and nine digs, while the Blackbirds piled up 15 blocks to lead the #2 seed past #6 Sacred Heart University in a semi-final game of the Northeast Conference Tournament Saturday night.
The loss ends a Pioneer season that saw them compile a school Division I record 18 wins and reach the semi-final round of the NEC Tournament for the first time. SHU finishes the year 18-13, while LIU improves to 18-11 with the win and will face #4 Saint Francis (PA) in the final tomorrow afternoon. The winner gets the conference's automatic berth in the NCAA National Tournament.
The first set was a close one and the Pioneers overcame an early deficit to even the score at 10 and continue to hold the lead for the remainder, finishing on three straight points, including two kills from freshman Ashlyn Trimble (Temecula, CA) and an ace from senior Lynne Principio (Ardsley, NY), playing in the final match of her four-year career.
LIU responded in frame two, taking off to a 15-8 lead and forcing SHU to take a timeout. The Blackbirds built a bigger cushion, upping the score to 21-13 before notching the final four points and the set, 25-13.
The third and fourth sets were similar, as LIU went ahead and maintained the lead through a solid defensive effort and an efficient offense. With a 22-13 margin in the final set, the Pioneers saw some light with a kill and an ace from Trimble, but Rice secured the 25-16 victory and the bid to the championship match with a kill of her own.
Trimble led the Pioneer attack with 14 kills and 14 digs, while fellow freshman Brittany Best (Norco, CA) had ten kills and nine digs. Sophomore Courtney Kidd-Kadlubek (Santa Barbara, CA) added 40 more assists to her ledger and finish her school record-breaking year with 1127 helpers. She has 1955 in her two-year career, already the fourth highest total ever at Sacred Heart.
Freshman Maile Hetherington (Thousand Oaks, CA) had nine kills in the final match, giving her 389 for the year - the third best single-season total ever at SHU. Freshman Jessica Colberg (Long Beach, CA) had 19 more digs for the Pioneers and extended her school record to 444.


text:
The play opens with Austin struggling to put the final touches on a screenplay which he is preparing to pitch to a powerful Hollywood producer. His concentration and his patience are tested by the presence of Lee, newly arrived from a three-month sojourn in the desert, who swaggers about in ripped jeans and a dirty t-shirt, cracking open beer after beer. After Lee appropriates Austin's relationship with Saul, the Hollywood producer, and usurps his status as screenwriter, the brothers bluster and spar until they eventually assume each others personalities. The rivalry between the two brothers is so palpable and so rife, that it is no great surprise that the posturing evolves into intimidation and violence.
David Trimble and Frank Zotter are pitch perfect in their portrayals as the feuding brothers. We were rather taken aback by the sudden realization that they were almost identical in personality and vaguely similar in appearance to Frank and Dennis Reynolds from It's Always Sunny in Philadelphia. Once seen, there was no unseeing the similarities. Strangely, this only added to the validity of the performances and to our enjoyment of the play. In all fairness, the Shepard play pre-dates the television show by decades.
Despite the brief appearances of the producer and the mother, True West is essentially a two-character play. Both the parts of producer and mother feel rather more like caricature rather than fully-fleshed characters, but I had the sense that this had more to do with the manner in which the characters were written than with their depiction.
There is a great deal of violence and humour (and humourous violence) in Pangloss Productions' presentation of True West. There is also a great deal of family conflict which rings all too true. We may not all have systematically smashed a typewriter with golf clubs or strangled a sibling with a telephone cord, but I am sure we have all wanted to.
True West plays until August 28/11 at the Arrata Opera Centre.


text:
Your phone model is: Haier A67
Version for your phone is: UC Browser 220.127.116.11
Updated date: 2010-11-03
Change phone model:
The world's most popular mobile browser --- UC Browser brings you quickly, easily and economic browsing experience. You can download the mainstream international football magazine anytime and anywhere. Download UC, enjoy the world cup on the way.
UC Browser is the leading mobile internet browser with more than 400 million users across more than 150 countries and regions. This product is currently available on all major operating platforms in 7 different languages.
Haier Group is a Chinese multinational consumer electronics and home appliances company headquartered in Qingdao, Shandong, People's Republic of China. Its products include air conditioners, mobile phones, computers, microwave ovens, washing machines, refrigerators, and televisions.
Haier A67 is an non-touchscreen phone. It supports Dual SIM, GSM+GSM. The phone can be expanded memory with USB Port. Haier A67 gets a 240 x 320 pixels LCD screen, an 2 MP main camera. Talktime Up to Hours(2G) is long enough for common use.


text:
The Environmental Agency (ARSO) has rejected a request by LafargeCement for a permit that would allow the Trbovlje plant to resume burning waste as an alternative fuel. The company plans to respond with legal action.
ARSO rejected Lafarge Cement's request to consider the cement plant as an existing installation and grant it an environmental permit as it already had in 2009. Instead, the agency established that the plant is a new installation that needs a new permit.
The group fighting against the burning of waste at Trbovlje, Eko krog, welcomed ARSO's decision on Tuesday by noting that it will "make permit obtaining procedures much more transparent and will give the public much better control over what they want to have in their environment".
But Lafarge Cement general manager Janusz Miluch said that the company was a victim of a systemic disorder and of changing interpretation of legislation by the authorities. He said that Lafarge Cement was not being treated the same way as other companies that need to get an IPPC permit.
Miluch and the company's legal representative Milivoj Radak announced that Lafarge Cement would launch legal proceedings to protect its interests and that the corporation would also consider a damages suit against the authorities in charge due to the damage done to its business. Miluch said that Lafarge Cement had made over EUR 32m worth of investments since 2002, mostly in reducing the plant's emissions, with Radak arguing that all emission requirements were being met.
The officials also presented operating results for last year, which were hit hard by the contraction in the construction sector. Cement sales fell from 602,000 tonnes in 2008 to 303,000 tonnes in 2010, while the company projects an additional 5% contraction in the construction sector for this year.
According to Miluch, the company responded to the crisis by optimising work processes, with the use of alternative fuels seen as an important contribution to these efforts as the costs of fossil fuels surged by 57% in the past year.
Source: Slovene Press Agency (STA) Published under Cement News


text:
Someone asked this question: "A language $L$ that is regular will have the following property: there will be some number $N$ (that depends on $L$) such that if $s$ is a string in $L$ (a $string$ is a sequence of characters) whose length is at least $N$ then $s$ can be written as $xyz$ where $y$ is not the empty string and $xy^iz$ is in the language $L$ for every nonnegative integer $i$."
Translating English into First Order Logic
My question how would one even translate that into first order logic? The user started writing out his attempted approach. But I couldn't quite follow it so I was wondering how one could even write such statements in first order logic. I looked into pumping lemma as one of the comments suggested but it didn't help me much. It got me slightly more confused.
P.S. I'm sorry if I broke any rules in stating this question. I'm new to the site.


text:
Overview Product Details Accessories Customer Reviews Shipping & Returns Questions (0)
WARNING: Cancer and Reproductive Harm www.P65Warnings.ca.gov/
You May Also Be Interested In The Following Product(s)
Twin Eagles TEDP-KIT-F Drain Pump Kit for Ice Maker (TEIM15-F)List $703.41 You Save $84.41!
On Sale
Twin Eagles TEIM15-F Ice Maker, 14.87x 34.75-InchList $3,657.95 You Save $438.95!
On Sale
Twin Eagles TEOB18-B Outdoor Bar, 18 InchList $1,362.50 You Save $163.50!
On Sale
Twin Eagles TEOB30-B Outdoor Bar, 30 InchList $1,851.14 You Save $222.14!
On Sale


text:
Decorating your teen boy's room can be difficult, and picking out stylish bedding is even harder. Whether your teenager loves bold prints, subtle stripes, or trendy colors, we have an option for you!
Strolling through the mall and browsing online for tween clothing can frustrate any parent, especially when you like something your kid doesn't or vice versa. Instead of getting swept up in an argument, check out these six brands that have everything you need to outfit your young teen in fashion-forward attire you both can agree on.


text:
Most bodies ample Medicare's advantage gaps by affairs a Medicare supplement (medigap) plan and a Part D prescription-drug plan, or they get both medical and biologic advantage from a clandestine insurer with a Medicare Advantage plan. You accept from October 15 to December 7 anniversary year to aces a Medicare Part D prescription-drug plan or a Medicare Advantage plan for the year ahead. You can about-face from one Part D plan to another, or from one Medicare Advantage plan to another. You can additionally about-face into a Medicare Advantage plan. However, if you accept Medicare Advantage and appetite to about-face to a medigap plan additional a Part D plan, you may accept bound medigap options depending on your health–although you can accept any Part D plan during accessible enrollment. (For added advice about how to accept amid Medicare Advantage or medigap and Part D, see How to Ample Medicare Advantage Gaps).
The plan that was best for you over the accomplished year may not be the best one aing year. That may be because the drugs you booty or the doctors you see accept changed. Or it may be because the advantage has afflicted beneath your plan for aing year–your drugs may be affective to a added big-ticket appraisement bank with college co-payments, or your doctors may be abrogation your Medicare Advantage plan's network. Or new affairs may be alien in your breadth that are a bigger bout for you. Mutual of Omaha is entering the Part D bazaar in several states, for example, and added insurers are introducing decree biologic affairs or Medicare Advantage affairs with lower premiums. Because you can change affairs every year, you can focus accurately on your drugs and dosages or the blazon of bloom affliction you allegation now; you can about-face afresh aing year if your needs or your options change.
Let's get started.
Gather a account of your drugs and dosages that you'll abide to booty in 2019. If you accept a Medicare Advantage plan, analysis the types of medical affliction you accustomed over the accomplished year, and try to adumbrate the types of affliction you'll accept in 2019. You never apperceive what will appear to your health, but you may accept some approved costs that you apperceive will abide – such as visits to assertive specialists – and may ahead some appropriate medical needs for the accessible year. All of this advice will advice you accept a plan for aing year.
Getty Images
You should accept accustomed this anatomy about the end of September. It will announce any changes for 2019 to the amount and advantage of your accepted plan. Pay accurate absorption to changes to biologic formularies, biologic tiers and co-pays that affect drugs you take. For instance, a biologic that had been in a adopted co-pay bank — with a $10 co-pay, for archetype — may accept confused to a nonpreferred bank for 2019, now with a co-pay of $20 or more.
Getty Images
Even if your accepted advantage isn't changing, it's still a acceptable abstraction to analyze all of your options during accessible enrollment, and a abundant way to do this is with the Plan Finder at Medicare.gov, which acquaint capacity about all of the 2019 affairs starting on October 1. The apparatus makes it accessible to analyze the premiums and co-payments for all of the affairs accessible in your area, and it additionally estimates your absolute abroad costs for your drugs and dosages (and additionally for your accepted bloom condition, if you accept a Medicare Advantage plan). This is the best abode to alpha shopping.
For Part D, blazon in your zip code, the drugs you booty and the dosages to analyze plans. The online apparatus will account your absolute costs (premiums additional abroad costs for your drugs) for anniversary plan in your area. (See How to Find the Best Medicare Biologic Plan for You in 2019.)
For Medicare Advantage affairs (called "Medicare Bloom Plans" in the tool), you'll add your accepted bloom action (the absence is "good," but you can additionally accept "poor" or "excellent") in the "refine your search" cavalcade to appraisal the absolute costs for the year for addition with your accepted bloom status. (See How to Find the Best Medicare Advantage Plan for You for 2019.)
Getty Images
The Part D plan with the everyman premiums may not be the atomic big-ticket all-embracing if you accept aerial co-payments for your drugs. The boilerplate Part D exceptional for 2019 will be $32.50 per month. That's absolutely $1 beneath than 2018's average, primarily because several ample insurers are alms low-premium affairs (sometimes beneath than $20 per month) with adopted pharmacies. (More on adopted pharmacies in a moment.) Co-payments can alter a lot depending on your drugs and the pharmacy you use. The Medicare Plan Finder will acknowledge how abundant you're acceptable to pay for premiums additional co-payments over the year.
Likewise, if you're arcade for a Medicare Advantage plan instead, attending anxiously at plans' advantage and co-payments for the types of medical affliction you usually use. The boilerplate Medicare Advantage exceptional is about $30 per month, but some affairs accept $0 premiums because they may accept some of the aboriginal provider networks and about crave college co-payments for doctor's visits, hospital stays and added types of care.
Getty Images
Confirm that your doctors are included in the Medicare Advantage networks you're evaluating. This is one of the best important–and generally one of the best difficult–steps back allotment a Medicare Advantage plan. The Medicare Plan Finder doesn't accept a account of providers for anniversary plan; instead, you'll usually accept to acquaintance the insurer. Many insurers accept accoutrement on their websites that let you attending up the doctors and hospitals that are included. Alternatively, you can acquaintance your doctors' offices to ask–but you allegation acquaint them the names of the specific plans, not aloof the name of the insurer, because some insurers may action several altered affairs in your breadth with altered networks.
Find out what happens if you adjudge to use an out-of-network doctor. Some Medicare Advantage affairs are PPOs, which artlessly allegation a college co-payment and accept a college abroad best for out-of-network care. Best accept provider networks in a accompaniment or region, but some, such as a few of the affairs offered by Aetna and UnitedHealthcare, let you use networks in added states, which can advice if you biking a lot. Others, alike some offered by the aforementioned companies, are HMOs and don't accommodate any out-of-network advantage except for emergencies. Some of the lowest-cost Medicare Advantage plans–charging as little as $0 per ages above Part B premiums–have the most-restrictive networks.
Getty Images
With Medicare Advantage, some affairs action advantage that acceptable Medicare doesn't, such as for eyes and dental affliction or audition aids. Analyze the amount of those extras.
One of the better trends in Part D prescription-drug affairs is for insurers to action low-premium behavior with adopted pharmacies. The Humana Walmart plan was one of the aboriginal affairs with a adopted pharmacy. UnitedHealthcare has a accepted plan with Walgreens, and in 2018 Aetna alien a bargain plan with CVS and several grocery-store chains such as Kroger and Safeway. Your co-payments are everyman if you use the adopted pharmacy (some accept mail-order pharmacies, too), but you may pay abundant added if you use a altered pharmacy. Accomplish abiding the adopted pharmacy is acceptable for you. Run the Plan Finder apparatus a few times, application the "select a pharmacy" folio to see which affairs use altered pharmacies in your area.
Another aggravation to beware: It's acceptable abundant added accepted for Part D and Medicare Advantage affairs to crave above-mentioned allotment for high-cost medications. That agency a plan may crave your doctor to ample out a anatomy answer why a cher biologic is medically all-important afore the plan will awning it. Many affairs additionally crave footfall therapy, acceptation that you may accept to try a less-expensive biologic first, if possible. Accomplish abiding your doctor fills out the all-important forms and that you can accommodated added requirements to accept your medicines covered.
Getty Images
The Medicare Plan Finder has a lot of abundant advice about all the affairs accessible in your area, but it can be complicated to navigate. Get alone advice with allotment a Part D or Medicare Advantage plan from your bounded Accompaniment Bloom Insurance Assistance Program (SHIP). Go to shiptacenter.org or alarm 800-633-4227 for bounded contacts.
Getty Images
If you end up chief to accumulate your accepted plan, you don't allegation to do annihilation — you'll automatically be re-enrolled if the plan continues to be offered aing year. "But accomplish abiding you booty a attending at the Annual Notice of Changes so you're not bent off bouncer by any changes to your plan," says Taylor Joseph, a UnitedHealthcare spokesman.
If you accept a altered plan for 2019, you can accept either via the Medicare.gov Plan Finder or at the insurer's Web site. You can additionally alarm the insurer or assignment with one of its accountant sales reps. If you're switching from one Part D plan to addition or from one Medicare Advantage plan to another, you don't allegation to acquaint your antecedent insurer (your old advantage will end back your new advantage begins). However, if you are switching from a Medigap plan to a Medicare Advantage plan, you will allegation to admit the disenrollment by contacting your medigap plan, according to UnitedHealthcare.
Copyright 2017-2018 The Kiplinger Washington Editors
This Is How United Healthcare Medicare Advantage Prior Authorization Form Will Look Like In 11 Years Time | United Healthcare Medicare Advantage Prior Authorization Form – united healthcare medicare advantage prior authorization form
| Pleasant to be able to my own website, in this particular period I will teach you concerning united healthcare medicare advantage prior authorization form


text:
So you have one of those Amazon gift cards they peel off for doing the rideshare at work and don't wanna let any of it go to waste - use the cart filler at cheapfiller.com to make sure you use it all up in one shot.
By: dave
Friday, Jun 21st 2019 (12:00am)
The bittersweet consequence of YouTube's incredible growth is that so many stories will be lost underneath all of the layers of new paint. This is why I wanted to tell the story of how, ten years ago, a small team of web developers conspired to kill IE6 from inside YouTube and got away with it.
The viral internet, a simple typo, and the power of crowdfunding will bring Will Novak, a 35-year-old man in Phoenix who works for the city of Mesa, to Vermont next weekend for the bachelor party of a complete stranger.
By: dave
Friday, Jan 18th 2019 (9:36am)
(more) [Comments: 0]
You see, this is the kind of thing that happens if you don't blur your plates on your little road rage twerking video.
By: dave
Tuesday, Jan 8th 2019 (7:09am) | Thanks: dvrdwn
Public Domain Day was Jan 1 (thanks Sonny Bono), but you were probably hungover, so here's how to download the tens of thousands of books that became legal to download for free in 2019.
By: spam_vigilante
Monday, Jan 7th 2019 (12:00am)
Click at your own risk. Random results from this site.
By: spam_vigilante
Thursday, Oct 18th 2018 (12:00am)
Move your mouse pointer. Hold still. Your pointer has been pointed out.
By: spam_vigilante
Wednesday, Oct 10th 2018 (12:00am)
No kidding. Bees.
By: spam_vigilante
Monday, Oct 8th 2018 (12:45am)
Google has given a chance to its users to look around the garage where it took birth. On the occasion of 20th birthday of the company, the search giant posted a Google Street View Tour of the Menlo Park, California garage where it all began in 1998. The company has recreated the space and has added every single detail to it. It has also included a secret room filled with classic Google memorabilia. The YouTube CEO Susan Wojcicki owned the garage which served as Google's first headquarters. It was the place where the foundations of Google were laid by the co-founders Sergey Brin and Larry Page. The firm wrote in a blog post, "To celebrate Google's 20th birthday, today we invite you to travel back in time and take a virtual stroll through the original Google Garage in Street View – (almost) like it was 20 years ago."
By: spam_vigilante
Sunday, Sep 30th 2018 (12:00am)
YUP | 1 Neon Flames
Timewaster supreme here. Click on the color of your choice from the palette on the upper left. Then click and hold in the canvas area to make your flame come alive.
Open the control panel on the right to change parameters for a variety of effects.
By: spam_vigilante
Friday, Sep 21st 2018 (3:25am)
Ian Bogost made this, for some reason. Put words between buns.
By: dave
Tuesday, Aug 28th 2018 (4:49am)
(more) [Comments: 1]
Turn Off the Lights browser extension is a lightweight tool to highlight the video player and darken the rest of the web page
By: spam_vigilante
Wednesday, Jul 25th 2018 (3:40pm)
Google's Chrome browser is packed full of an incredible amount of extensions that add all sorts of functionality. It's tough to sift through the store to find what's useful though, so let us save you some time with this collection of our favorite Chrome extensions.
By: spam_vigilante
Wednesday, May 2nd 2018 (12:00am)
Here are seven goofy little things you can do with a browser and the Google search page.
By: spam_vigilante
Sunday, Apr 1st 2018 (12:00am)
Mario invades Google Maps to help you avoid bananas while driving.
By: spam_vigilante
Saturday, Mar 10th 2018 (5:37am)
The FCC has repealed the rules governing internet providers. Here are five changes consumers should watch for.
By: spam_vigilante
Wednesday, Dec 27th 2017 (12:00am)
Webmasters, here is a nice little iframe code generator for your site(s) that I stumbled across.
Non-geeks? Move along. You wouldn't get excited about this.
By: spam_vigilante
Thursday, Dec 21st 2017 (12:00am)
Don't part with your DNA sample and a few bucks in a mail-away package when you can just upload a pic or two of yourself and find out.
By: spam_vigilante
Saturday, Nov 18th 2017 (12:12am)
A new Google Chrome extension will allow Twitter users to read tweets from US President Donald Trump in the form of a child's handwriting.
"Make Trump Tweets Eight Again" was created by the team at The Daily Show with Trevor Noah and transforms the tweets into messy and colourful scrawl.
By: spam_vigilante
Tuesday, Nov 14th 2017 (5:51am)
The lava lamp usually gets a bum rap as some kind of lowbrow psychedelic entertainment system for people who are too strung out to enjoy any stimulation of real substance. In fact, it turns out that a wall of lava lamps is a critical component of the encryption effort responsible for about 10% of internet traffic.
By: dave
Monday, Nov 13th 2017 (12:00am)
While there is no doubt that this feature is very useful to some end users, in prior versions it was available only as an add-on. Now integrated and turned on by default, it's just become another memory hog, requiring fewer open tabs or constant relaunching of the application.
By: spam_vigilante
Sunday, Oct 1st 2017 (12:00am)
(more) [Comments: 0]
YUP | 1 Hide My Ass
HMA is a VPN that works on iPhone, Android, Mac, PC/Windows, and more. HMA helps millions of people all over the world to safely and securely enjoy the world-wide-web, preserving our fundamental right to choose how and when we share personal information.
This promo runs 4:43, is moderately entertaining, and gives you an idea of a cheap service to a VPN tunnel. There are free ones out there also, some a bit less secure and certainly limited monthly bandwidth. Here are a few highly rated free ones but just remember that you get what you pay for. No free lunches.
By: spam_vigilante
Sunday, Sep 3rd 2017 (12:00am)
That video of a cat surfing or hang gliding giraffe can't be real, can they? Here's how to determine if it's real or fake.
By: spam_vigilante
Sunday, Aug 20th 2017 (4:03am)
Massive proxy service Cloudflare's CEO made a hard call yesterday: he kicked The Daily Stormer, a neo-nazi white supremacy website, the hell off his service. While he had every legal right to do so - they reserve the right to refuse service to anyone - they have to grapple with some very real ethical implications of their actions. Whether you find the Daily Stormer's content and worldview repellent makes no never mind - true freedom means we tolerate opinions and viewpoints we don't share - this act brings us down the very slippery slope of censorship and net neutrality.
His blog post goes over what was done, how they came to the decision to do it, and what it means for their - and our - future online.
By: dave
Thursday, Aug 17th 2017 (12:00am) | Thanks: beppo
Make your own or take a look at some favorites.
Bonus? The site is mobile friendly also.
By: spam_vigilante
Thursday, Aug 3rd 2017 (12:02am)
Best boring grownup cereal?
Brian's Song (1971)


text:
Given Isobel's excitement at seeing the ocean for the first time I really looked forward to Isobel's first trip to the beach. She is too young still for the traditional beach activities: wave chasing, sand castle building, etc, but since we were in the area for my cousin's wedding, I wanted to, at the very least, formally introduce her to the Pacific.
We never intended on getting Isobel going swimming or even getting wet. It wasn't a warm summer for the Pacific Coast by any means, and due to a deep ocean trench the constant temperature of our sea water is frigid at best. Not that this stops many children from playing in it or adults from surfing in it, but I don't even like getting my feet wet.
I've only ever swam in the ocean once really, and that's just if you count wading in ice cold water up to my thighs only to be knocked over at the first wave and nearly carried out to sea. I would be long gone if it weren't for the fact that Stefanie was holding on to one arm and Anthony was holding on to the other. Stef is tall enough to stay upright in the waves and Anthony is strong enough. I, on the other hand, experienced full-body exfoliation from being drug along the sand. I remember a crab hitting Melynda. It was a wonderful yet terrifying experience. The waves at Half Moon Bay, our local coastside haunt, are no joke. They are powerful.
I've never liked the beach at the Board Walk. It is always dirty, littered with trash and packed with people. But it was the closest one to the hotel, and we weren't planning on staying long. We found a small strip of beach next to the Boardwalk that didn't look too bad and set off for the sea.
For Isobel, the sand itself was the most fascinating and infuriating part of the beach. It tripped her up constantly as she walked along, infuriating her, but she delighted in letting it run through her fingers. She loved it so much she ignored the ocean, no matter how many times we tried to coax her toward it. The crush of the waves could just not compete with the fine, warm sand.
Which is just as well because as we neared the water we saw signs up and down the beach saying that the water is contaminated and people should not come into contact with it. Huh. Good to know. We were doubly sure to keep Isobel on the sand and away from the shore, despite the several dozen children splashing away in the water while their parents sat lazily by, sunning themselves on blankets.
I kept looking for my Santa Cruz friend Laura, just in case she happened to be on the most touristy beach in town, but no luck.
As on other trips we used the trunk to change her diaper, and it proved the perfect spot. It protected her from sun, wind, and the large lip of the trunk kept her safe from rolling out. I wish my trunk was on Yelp so I could give it a glowing review.
Before we left I tried to get a cuddly photo of just Anthony and me being all couple-y, but I didn't realize it was still zoomed and so our photo was an EXTREME CLOSE UP!
In five years when I tell Isobel about her first trip to the beach I'm going to tell her, "Well at least you didn't get hit by a crab."


text:
Monarch has been granted a 24-hour extension to its tour operator's licence.
Source: SkyBus
Monarch gets lifeline amid last-ditch survival talks
Monarch has been granted a 24-hour extension to its tour operator's licence.
Monarch has been granted a 24-hour extension to its tour operator's licence.
Source: SkyBus
The future of Monarch, Britain's fifth-biggest airline, is hanging by a thread this weekend as it holds emergency talks with regulators about a temporary extension to its tour operator's licence.
Source: SkyBus
It is already a crime to evade tax, or deliberately help another person to do so, but on behalf of the majority of taxpayers who pay what is due, the UK government is now taking an even firmer stance on corporate fraud in a move designed to drive a change in corporate culture.
From today, the Criminal Finances Act 2017 introduces two new criminal offences – one applying to the evasion of UK taxes and one applying to the evasion of foreign taxes.
The offences hold corporations and partnerships criminally liable when they fail to prevent their employees, agents, or others who provide services on their behalf from criminally facilitating tax evasion. This is a significant change from existing law under which they can only be found liable for criminally facilitating tax evasion if the most senior members of the organisation – typically the board of directors – are aware of the facilitation.
The Financial Secretary to the Treasury, Mel Stride MP said:
Tax evasion is a crime and takes away from the money we need to fund our vital public services.
The vast majority of businesses play by the rules but we must ensure that those that don't are accountable for their actions.
The new offences will ensure that companies doing business in the UK take reasonable steps to prevent their staff from facilitating tax evasion.
Source: HMRC
UK SMEs run by a European owner saw growth twice as quickly as companies owned by a British CEO, as Europeans take advantage of the UK's pro-business environment, says Opal Transfer. Research by Opal Transfer shows that from a sample of more than 4,000 businesses found that SMEs run by a European increased their turnover
The post European led SMEs growing twice as fast as their British counterparts appeared first on Small Business.
Source: SmallBizUK
Some banks are still too big to fail, the governor of the Bank of England has warned.
Source: SkyBus
Ryanair has agreed to make sure all passengers affected by flight cancellations are "fully aware" of their rights and entitlements.
Source: SkyBus
This Customs Information Paper (CIP) is for all economic operators who are considering applying for a new Duty Deferment Account.
This CIP remains in place until further notice.
Source: HMRC
From 30 September 2017, companies and partnerships will be liable if they fail to prevent individuals acting on their behalf from criminally facilitating tax evasion. They can use the defence that it had reasonable procedures in place to prevent its representatives from criminally facilitating tax evasion.
Criminal facilitation of tax evasion involves a person deliberately and dishonestly helping another person to evade tax. This doesn't include the accidental, ignorant or negligent facilitation of tax evasion. This is referred to in the Criminal Finances Act 2017] as a 'Tax Evasion Facilitation Offence', which is defined in Section 45(5) in Part 3 of that Act.
This guidance is for companies or partnerships to report on their own behaviour – or 'self-report' – when they've failed to prevent the facilitation of UK tax evasion.
You must have the authorisation of the company or partnership concerned to self-report to HM Revenue and Customs (HMRC) on its behalf.
Rapid self-reporting doesn't guarantee that a relevant body won't be prosecuted, but it could be:
Report offences related to foreign tax offences to the Serious Fraud Office.
Contact HMRC's fraud hotline if you want to report tax evasion which you suspect another person or relevant body is committing.
If in the 'regulated sector', as defined in schedule 9 of the Proceeds of Crime Act 2002, you or the relevant body (including a company or partnership) for whom you act may be obliged to submit a Suspicious Activity Report (SAR) to the National Crime Agency.
If this is the case, submit the SAR before you send an email. Find out more information about SARs.
Your self-reporting email is not a SAR. You may need to submit a SAR as well as self-report.
It's important that you read the Before you contact HMRC and Information you should try to include in your email sections of this guide before you send your email.
We suggest you consider seeking professional legal advice before you send your email.
You must have been authorised by the relevant body (including a company or partnership) to self-report to HMRC on its behalf.
You may commit a criminal offence if you give wrong information in your email, or include information in it that you don't honestly believe to be true.
We recommend you tell us if you've included information in your email that has been given to you by others.
Your email should be used to report that the relevant body – on whose behalf you are making the self-report – has failed to prevent someone from criminally facilitating tax evasion. In this case, it may be guilty of an offence under Part 3 of the Criminal Finances Act 2017.
Sending an email is voluntary. You and the relevant body upon whose behalf you're acting have a right to remain silent. You can give as much information in your email as you want.
Only provide the information that you already have. For your own safety, don't try to find out more information so you can send an email.
You must not encourage anyone to commit a crime or continue committing a crime to get more information and must not continue committing a crime yourself to get more information.
Once you've been authorised to send an email on behalf of a relevant body, don't tell other people that you're sending it.
Information in your email might be used to decide whether to start a criminal investigation and might be used as evidence in a prosecution or other court proceedings.
After you've sent your email, you'll receive an acknowledgement of receipt and a unique reference number separately. We recommend you keep this and your self report for future reference. You may not hear again from an officer of HMRC for some time, or at all.
Once you've sent your email, it will be considered by HMRC and a decision made as to what further action is needed.
Where the law permits, HMRC may also share the information provided in your email with other agencies. Find out more about how HMRC will use any information provided in this form.
To self-report a person who has facilitated corporate criminal tax evasion Email: firstname.lastname@example.com
1. Your name.
2. Confirmation you wish to make a report on behalf of a company or partnership, explaining that a person performing services for or on its behalf has criminally facilitated the evasion of tax.
3. If the tax being evaded is UK tax or a tax owed in another country (or both).
4. The name of the relevant body on behalf of which you wish to make this report.
5. Your role within that relevant body, or on what basis you act for it in making this report (for example, director, company secretary, partner, lawyer instructed by the company or partnership, accountant instructed by the company or partnership).
6. If there's a director or partner of the relevant body who HMRC can contact to confirm that you're authorised to speak on its behalf.
7. Who HMRC should contact if we want to discuss this report, and how we should contact them.
8. The relevant body's:
a. Legal name
b. Trading name (if different)
c. Address
d. Country of formation
e. Registration number
f. VAT number or Tax Reference
g. HMRC Customer Relationship Manager (if it has one)
h. Digital tax account number (if it has one)
9. If, to your knowledge, the relevant body previously reported wrongdoing to HMRC about failing to prevent the facilitation of tax evasion. Give reference numbers for any reports if it has.
10. If the relevant body engages in activity that means it needs to be authorised, licenced, supervised or regulated by a supervisor or regulator. Give details of the regulator, supervisor or licensing authority if it does.
11. If you've informed any other law enforcement agencies, regulatory bodies, or supervisors about this wrongdoing.
12. If you've completed a SAR. Give the SAR reference number if you have.
13. If someone performing services for or on behalf of the relevant body deliberately and knowingly helped a taxpayer evade taxes.
14. What the relationship or connection between the relevant body and the person performing services for on its behalf is (for example, director, employee, agent or other person performing services for, or on behalf of, the company or partnership).
15. What help has been given by the person acting for, or on behalf of, the company or partnership to help the taxpayer evade tax.
16. When the activity happened.
17. If the activity is ongoing.
18. How the activity was discovered.
19. What taxes have been evaded by the taxpayer or taxpayers that have been helped (for example, Income tax, National Insurance, VAT, Capital Gains Tax, corporation tax, PAYE, customs duty, inheritance tax or other).
20. A brief outline of how these taxes were evaded.
21. If the evasion is ongoing.
22. If you've been able to identify specific taxpayers involved in the evasion.
23. If you know how many taxpayers have been helped in the same way to evade tax.
24. If you know the total amount of tax evaded by these taxpayers.
25. If the relevant body has procedures in place to prevent persons acting for or on its behalf from criminally facilitating tax evasion.
If it has, advise when these procedures were produced or last updated, and if you would be willing to provide a copy of these procedures to HMRC if requested.
If it hasn't, advise why this is the case.
26. Advise which of the following are part of the relevant body's prevention procedures:
a. Risk assessment
b. Proportionality of risk-based prevention procedures
c. Top level commitment
d. Due diligence
e. Communication
f. Training
g. Monitoring and review
Your company registration number is your Companies House number in the UK. If you're based in another jurisdiction, this information will be the number given when registering your company with the relevant authorities.
A Customer Relationship Manager (CRM) is a person appointed by HMRC to act as a dedicated point of contact for large businesses in the UK.
This relates to any person who performs services for or on behalf of the relevant body. This is not defined by contractual status but is based on the nature of the service that they are providing when acting in the capacity of a person who performs such services.
This is referred to in Section 44(4) in Part 3 of the Criminal Finances Act 2017.
A report can only be submitted on behalf of a relevant body. Here, this means incorporated bodies (typically companies) and partnerships only. This is defined in Section 44(2) in Part 3 of the Criminal Finances Act 2017.
Tax evasion means fraudulently evading or cheating HMRC of tax that is lawfully owed. It does not include making a mistake about the tax that is owed: it requires dishonesty.
This is referred to in the Criminal Finances Act 2017 as a Tax Evasion Offence, which is defined in section 45(4) of that Act.
Source: HMRC
Growing up and navigating the world of adulthood is as costly as it is tough, with new research by Gumtree revealing millennials are forking out over £1 billion nationally trying to land their first full-time job. The 2,000 poll of 18 to 25-year-olds found on average young people go on three interviews, with each job
The post The cost of being an adult: Cost for millennials exceeds £1 billion appeared first on Small Business.
Source: SmallBizUK
Countdown bulletin 28 gives updates about State Scheme Premium Payments, the Scheme Reconciliation Service and Guaranteed Minimum Payment calculations.
Source: HMRC


text:
Wekeela offers more than 70 activities, including Red Cross swimming, sailing, windsurfing, scuba, water-skiing, canoeing, wilderness camping, a radio station, creative and performing arts, culinary arts, sports and a ropes course. National sports figures participate in visiting coach programs. Trips take campers to Maine's rivers and coastline, New Hampshire and Montreal, Canada.
|Camp Wekeela
|Hartford, ME
|Summer Phone
|Off-season Phone
|Program Focuses & Features
|Aerobics, Aquatics, Archery, Astronomy, Aviation/Aerospace, Baseball, Basketball, Bicycle Tours, Boating, Canoeing, Climbing Wall, Community Service, Cooking, Crafts, Creative Writing, Cross-country, Dance, Drama, Equestrian, Exploration, Field Hockey, Fine Arts, Fishing, Football, Golf, Gymnastics, Hiking, Kayaking, Lacrosse, Media, Mountain Biking, Mountain Trips, Mountaineering, Music, Outdoor Education, Painting, Photography, Rappelling, Riding, Rock Climbing, Ropes Course, Sailing, Scuba Diving, Skateboarding, Soccer, Softball, Street Hockey, Studio Art, Swimming, Tennis, Track, Ultimate Frisbee, Volleyball, Water-skiing, Watersports, Weight Training, White-water Rafting, Wilderness Camping, Wilderness Canoeing, Woodcraft
|Grade Range (rising grades)
|Age Range
|Residential — Coed Ages 6-16
|Application Deadline
|Ephram A. Caflun & Lori Caflun, Directors
|Residential Fee
|$3700-9100 (+$200-450), 2-7 weeks.
|Year Established
|Dates & Sessions
|June-Aug; 5 sessions, 2-7 weeks long