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The news that the amount you can put away in a tax-free individual savings account will rise to £15,000 from July is, perhaps, the most obvious point to take from George Osborne's self-termed "Budget for Savers". But the surprise announcement about pension liberation was the most dramatic change the Chancellor announced.
He plans to overhaul the pensions system: to put the right to decide what to do with a retirement nest-egg into the hands of individuals. Or, as he put it: "What I am proposing is the most far-reaching reform to the taxation of pensions since... 1921." It's all about handing over personal responsibility, so we will all eventually be forced to make our own decisions affecting our financial futures.
Mr Osborne's announcements are all aimed at those who save sensibly – and tax-effectively – whether it's in individual savings accounts or the retirement savings accounts known as pensions. Savers have a lot to thank the Chancellor for today – but insurers will be fuming.
It is the concept of pension liberation – the right for people not to have to buy an annuity with their retirement savings – that has hit insurance firms. Companies that make up the so-called "at-retirement" industry – which mainly make profits from flogging annuities – saw their share prices plummet after the surprise Budget announcement. Specialist firm Partnership fell by more than 50 per cent while Just Retirement slumped more than 40 per cent.
The top five UK pension giants – including names such as Aviva, Legal & General and Resolution – saw some £3bn wiped off their value, as investors reacted to the effective freeing up of the pensions market.
However, the news was good for financial advisers, as more people are likely to want professional help in deciding what to do with their pension pot, despite the Government promising that retirees will be given free face-to-face guidance. Finance firm Hargreaves Lansdown climbed 14 per cent on the news, for instance.
But the savings news should cheer everyone apart from insurance company shareholders, shouldn't it? The answer is no, because not everyone can afford to save. In fact, the average amount stashed in an Isa at the moment is only around £4,000, so an awful lot of savers already can't afford to make full use of the existing tax-free allowance.
That suggests the measure to increase the Isa limit to £15,000 from July – along with the increase in the amount you can put into Premium Bonds – is aimed squarely at the well-heeled, who currently find the £11,520 limit unsatisfactory.
The move comes after mounting calls for Isa rules to be relaxed, backed by Nationwide Building Society, which published research this week showing that one in eight (12 per cent) of people aged over 45 with a stocks and shares Isa have considered transferring these funds into a cash version, but could not do so.
Interestingly, recent analysis by the Institute for Fiscal Studies shows that young people save nothing because they're building up their income or paying off debt first. Those in their late thirties and forties save modestly, but people in their fifties and early sixties really get into the savings habit. In short, Mr Osborne's Budget for Savers is actually a Budget for well-off older folk.
The freeing up of the pensions market will give the 320,000 people who retire each year with defined contribution schemes the right to choose whether or not to buy an annuity. That, on the face of it, is good news – but in practice it's only good news for those who have saved up decent-sized pension pots. In other words: well-off older folk, again.
The new Pensioner Bonds, which will offer market-leading rates from next year at an estimated 2.8 per cent for a one-year bond and 4 per cent for three years, will also benefit older people who can afford to save.
It's probably just a coincidence that these are the people most likely to turn up at the poll booth come election time. And the pension rule change will come into effect in April 2015, just a month before the next general election. In short, it's a vote-winner aimed at those who are most likely to vote.
However, that doesn't mean it won't benefit others. Making pensions more flexible – by scrapping the need to buy an expensive and poor-paying annuity – will make pensions more attractive and may go some way towards reversing the trend among younger people not to bother with retirement saving at all.
Questions of cash: Make the most of the changes
How can I get the biggest benefit from these changes?
Save more. If you have savings then putting them into a tax-free wrapper is common sense. The Chancellor has simplified individual savings accounts (Isas) — renaming them New Isas — by increasing the annual limit to £15,000 from July and allowing holdings to be kept in cash, shares or funds, or any mixture of all, with transfers allowed from shares to cash as well as the other way around. This is a massive improvement and makes ISAs much more attractive.
So will I be better off putting £15,000 worth of my savings into one straight away?
Actually, in the short term, not that much. With savings rates currently so low, it's calculated that ploughing the larger allowance straight into an ISA will only yield an extra £30 worth of interest in a year. Of course, in the long-term the benefits of tax-free savings will mount up cumulatively and if you use your allowance in full each year, the difference could eventually be quite marked.
What about pension changes?
If you're retiring after April 2015 you suddenly have an extra lot of financial decisions to make. Before your retirement date you should find out about your options and what you should do to ensure you get the best outcome for yourself, whether that's stashing as much extra cash into your pension pot as you can now, or finding out the best ways to invest your cash when you get it.
Are the Pensioner Bonds worth a look?
The Chancellor promised they will offer market-leading rates when they are launched by National Savings & Investments next year. While the actual rate will depend on what happens to interest rates between then and now, he estimated that a one-year bond would pay 2.8 per cent while a three-year bond would pay 4 per cent.
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$ 21.00
The blue center line represents law enforcement, the top black stripe represents the public while the bottom represents the criminals. The idea behind the graphic is that law enforcement (the blue line) is what stands between the violence and victimization by criminals of the would-be victims. View Sizing Chart


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Just place the egg in boiling water and wait 15 minutes. When you break it, it will be a poached egg.
For topping your meal.
Step 1: If you don't bring the water to a full rolling boil, the temperature won't be high enough and it won't work.You can probably make 3-4 eggs at the same time. But if you put in too many, the temperature of the water will drop too much and it will be only half done.
Enjoy Japanese food around the world.


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Driver loses licence and car under new DD laws
A 46-year-old man has lost his licence on the spot and had his car impounded after being charged while driving under the influence of alcohol.
Police say the man recorded an alcohol blood level in excess of 0.08 when stopped in Joondalup after midnight.
Under the new drink driving laws, which came into effect three days ago, he had his licence suspended immediately for two months.
However, Inspector Chris Cassidy says police stopped the same motorist again an hour later.
"This resulted in him being charged with driving in excess of 0.05," he said.
"His vehicle was impounded for 28 days under the Disqualification Notice Act which came into effect on the first of August 2012."
Topics: crime, perth-6000, joondalup-6027
First posted


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UPDATE 1-BCE media executive apologizes for editorial intrusion
(Recasts with BCE executive apology)
By Alastair Sharp
TORONTO, March 25 (Reuters) - A senior executive at BCE Inc's Bell Media unit apologized on Wednesday for interfering in editorial coverage after Canada biggest communications company was harshly rebuked by the country's broadcast regulator.
The apology came after the Globe and Mail newspaper, citing unnamed sources, reported Bell Media's President Kevin Crull told the head of CTV News not to conduct or air interviews with the chairman of the Canadian Radio-television and Telecommunications Commission (CRTC).
The regulator had just ruled it would force distributors to unbundle cable TV packages, a decision that could prove painful for Bell.
Crull acknowledged in a statement he reached out to the CTV News leadership team about the focus of coverage.
"It was wrong of me to be anything but absolutely clear that editorial control always rests with the news team. I have apologized to the team directly for this mistake," he said, describing his action as an "intrusion."
The CRTC had issued a harshly worded statement about the matter earlier on Wednesday.
"An informed citizenry cannot be sacrificed for a company's commercial interests," CRTC Chairman Jean-Pierre Blais said in response to the Globe report. "Canadians can only wonder how many times corporate interests may have been placed ahead of the fair and balanced news reporting they expect from their broadcasting system." Continued...


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Margot Hayward Harpist is dedicated to ensuring that you get the top quality Dance Band that you need for your get together.
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When throwing an event, entertainment is important. At Brian Ivan Classical Guitar, we can provide you with Jazz Band and more for your needs.
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Getting a skilled Chamber Ensemble for your event is nice and easy, just as long as you make sure that you are using the help of Violinist Kimberly Becker.
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The Renaissance Toronto Downtown Hotel elevates boutique sophistication to a new level. Uniquely located within Rogers Centre, in the heart of Toronto's bustling entertainment district, our CAA/AAA Four Diamond hotel features modern amenities and world-class service, making your visit truly special. As the only hotel in the world located within a major league sporting venue, we offer 70 contemporary rooms with views of the field, enabling sports fans to watch all of the action from the comfort of their accommodations. Additional boutique perks include luxury bedding, flat-screen TVs, and marble bathrooms.
Enjoy a swim in our heated indoor pool, or a workout in the fully equipped gym. Arriba Restaurant offers delicious on-site dining, and the adjoining lounge is perfect for a pre- or post-game drink. And of course, downtown Toronto is waiting to be discovered; visit CN Tower, the Air Canada Centre, and much more with ease from our hotel. Experience the Renaissance Toronto Downtown Hotel for yourself today!
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Parking in NG2 5FA
Parking Space on Musters Road, NG2
Driveway on Hawksworth Road, NG2
Driveway on Meadow Close, NG2
Parking Space on Edward Road, NG2
Parking Space on Oakfields Road, NG2
Driveway on Ropsley Crescent, NG2
Driveway on Musters Road, NG2
Car Park on Collygate Road, NG2
Driveway on Bridgford Road, NG2
Information about parking in NG2 5FA
Looking for parking in NG2 5FA? You've come to the right place! Funnily enough, parking is what we do best - and we've got a sumptuous selection of 250 locations in NG2 5FA for you to choose from.
Our parking in NG2 5FA is up to 70% cheaper than what you'd usually pay, plus you can book your guaranteed space in advance right here - forget about feeding the parking meter.
No more fumbling for coins and no more circling the block looking for a space. As for parking tickets? You can wave goodbye to them too - if you overstay with us, you just pay for the extra time.
We're taking the pain out of parking for 1 million drivers across the UK. But don't just take our word for it - check out our latest customer reviews for NG2 5FA parking below:
"Great place to park extremely convenient for the football ground. Especially away fans as it took 5mins to park grab a burger a programme and get in through security." — Driveway on Hawksworth Road, NG2
"5 stars I give it" — Parking Space on Edward Road, NG2
None of our delicious JustPark spaces tickle your fancy? Don't worry - we've got your back. There are plenty of other parking options available in NG2 5FA - here's the best of the rest:
Off-Street Parking
Here's a selection of nearby off-street parking options:
|Bridgford Road
|Rushcliffe Borough Council
|£1.00 / 5 hours
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Mon - Sat
|Nursery - Albert Road
|Rushcliffe Borough Council
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Mon - Sat
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Nearby Transport
- Nottingham Station 0.71 miles away
- Carlton Station 2.73 miles away
- Netherfield Station 2.84 miles away
Nearby Stadiums
- City Ground 0.1 miles away
- Meadow Lane 0.16 miles away
- Trent Bridge 0.28 miles away
- Nottingham Racecourse 0.92 miles away
Nearby Attractions
- Galleries of Justice 0.85 miles away
- Lace Market Centre 0.88 miles away
- The Tales of Robin Hood 1.14 miles away
- Angel Row Gallery 1.22 miles away
- Holme Pierrepont Hall 2.8 miles away
Nearby Hospitals
- Mabon House Day Centre 0.4 miles away
- The Meadows Health Centre 0.63 miles away
- Sneinton Health Centre 0.77 miles away
- West Bridgford Health Centre 0.77 miles away
- Stonebridge Centre 1.18 miles away


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Today with a rise in the number of side effects more and more individuals are turning towards Ayurveda for their hair loss issue. Hair loss can humiliate and hamper one's self esteem and certainty. At the point when treated early hair loss can be decreased and even ceased totally. Ayurveda trusts that hair fall control is especially related to the body sort furthermore the solidness of your mind-body structure. Typically the Ayurvedic treatment for hair loss incorporates meditation, diet, yoga, and yes, we can't overlook medicated herbal oil massage.
Ayurvedic Remedies for Hair Fall:
- Bhringaraj: Bringharaj has natural reviving properties and is considered as a natural conditioner, it is ordinarily accessible in powdered form and as a oil. Make a paste out of the leaves and apply it on the scalp for quite a while before washing it off. Doing this all the time advances hair growth.
- Neem: For quite a long time, neem has been utilized to treat skin conditions and hair loss. Customary utilization of neem on the scalp enhances blood circulation and fortifies the roots, which thus advances hair growth. You can add neem leaves to your shower water.
- The Indian Gooseberry: Also called as Amla, this Ayurvedic remedy for hair fall helps in treating indigestion and purifies the blood. It goes about as a preventive measure for dandruff and is likewise a rich conditioner. Amla reduces the itchiness of the scalp. It is rich in vitamin C, which takes care of numerous hair issues from inside. Make a paste which you can apply to your scalp to advance black and thick hair.
- Shikakai: Shikakai actually implies fruit for hair. Shikakai is rich in antioxidants and contains expansive doses of vitamin C and D. This is useful for hair growth and nourishment. Normal utilization of shikakai will help your locks turn out to be long and glossy. Shikakai shampoos are accessible all over.
- Ritha: Ritha or soap nuts have been utilized by ladies for a considerable length of time as a natural shampoo. At the point when utilized routinely, ritha advances hair growth and makes hair thick and wonderful. Ritha additionally conditions your hair while cleansing it.
- Brahmi: Brahmi fortifies hair and advances hair growth. It gives nourishment to the roots and advances new follicle growth. You can make a paste of brahmi with amla, ritha, tulsi and ashwagandha powder and a liberal measure of curd. If you wish to discuss about any specific problem, you can consult an ayurveda.
Exposing your skin to harmful ultraviolet rays of the sun can have devastating effects on your skin,including wrinkles, sunburn and even skin cancer. So, using a sunscreen every time you step outdoors and using it correctly is of vital importance to have healthy skin. However, most people have different misconceptions about sunscreen usage. Read on to find the real facts behind these widespread sunscreen myths:
1. You don't need to apply sunscreen if your makeup contains SPF: If any of your makeup products like foundation or powder contains SPF, do not assume that it can replace your sunscreen. Makeup containing SPF cannot protect your skin entirely as cosmetics are generally applied lightly,and mostly doesn't cover places like T-zones, earlobes or hairline. To fully shield your skin from the sunrays, it's necessary to apply sunscreen or moisturizer with at least SPF 30 before putting makeup on. It is advisable to apply the sunscreen half an hour before stepping out for maximum benefit.
2. Putting sunscreen on your skin once is enough to protect you throughout the day: Most people apply sunscreen only once before heading out of the house, and don't reapply it again throughout the entire day.Contrary to popular belief, this does not provide protection for the entire day as most sunscreens lose their effect with time. To ensure that your skin remains protected you need to reapply sunscreen once every 2 hours, and once every 40-80 minutes if you are engaging in activities like swimming and exercising.
3. Waterproof sunscreens won't wash off: Even if your sunscreen is waterproof, you need to reapply it at regular intervals if you are pursuing water sports like swimming or are the kind who washes their face frequently. When a sunscreen is typified as waterproof, it actually means that the composition of the sunscreen makes it suitable for functioning for a maximum of 1 hour and 20 minutes under water. Moreover, sunscreens containing a 'water-resistant' label can bear water immersion up to at most 40 minutes. So, irrespective of whatever the label of the sunscreen mentions, you need to reapply sunscreen every hour to protect your skin effectively.
4. You do not need to apply sunscreen in winters or you are when indoors: Winter skin is relatively more sensitive than summer skin which is tanned. If one is in hilly areas or snow covered regions there is reflection of UV light from the snow that causes more skin damage. Also glass can allow UV rays to pass through and indoor lighting can also be a source of UV exposure, therefore you should apply sunscreen even when you are indoors.
Conditioning Before Shampoo vs Post Shampoo - What's Ideal?
Conditioners and shampoos, you need both for an appropriate hair care regimen. Just like most other people, you might have the confusion about conditioner use - whether to use it before you shampoo your hair or when you're done with shampooing.
Read on to find out what you should be doing.
1. Hair Type: A factor that determines your use of a conditioner before you shampoo or after it depends on your hair type. For individuals who have dry or thick hair, using a conditioner after you shampoo is the most apt, especially during the winter months when complaints of flyaway hairs are very common. Conditioning before you apply shampoo to your hair is ideal if you've fine hair as it provides your hair with much needed nourishment. Additionally, it allows the shampoo to distribute evenly all over your hair.
2. Greasy Hair: Applying a conditioner before you shampoo your hair is most apt for individuals whose hair is prone to oiliness. This is because it helps you in thoroughly washing away the grease that gets build up in your hair when it's time to shampoo. The regimen of shampoo and conditioning afterwards doesn't ensure a proper elimination of the problem.
3. The Problem of Residues: If you condition your hair before shampooing, you can rest assure that no residues get left behind on the scalp. This is not the case when you condition your hair afterwards. Many a time, if you don't rinse properly residues of the conditioner used get left behind, thereby weighing down your hair.
Unless your hair is of normal texture, conditioning before shampooing can prove to be beneficial for your hair.


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From 16 February, 18- to 26-year-olds will be able to take advantage of free tickets. For two years they will be available on a first come, first served basis.
The National, the Barbican and the Rose Theatre in Kingston are each getting funds of £50,000 for the initiative.
The Battersea Arts Centre, Donmar Warehouse, Royal Court and the Tricycle are part of an off-West End consortium of 12 venues sharing another £300,000.
And more cash is going to venues including the Roundhouse, the Gate, the Orange Tree in Richmond and artsdepot in North Finchley.
A dedicated website will have venue and booking instructions.
Alan Davey, chief executive of Arts Council England, which will run the scheme, said venues had responded "with energy and imagination".
Dominic Cooke, artistic director of the Royal Court Theatre, said: "We look forward to seeing theatre enrich and inspire ever-increasing numbers of young people."
- More about:
- Arts Council Of England
- Battersea Arts Centre
- Department For Culture, Media And Sport
- Donmar Warehouse


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Originally posted on NY Rangers Blog | Last updated 1/10/13
According to Rick Carpiniello at the Rangers Report the Rangers and Michael Del Zotto are not close on money in their contract negotiations. Del Zotto, an RFA, is apparently looking for a deal worth north of $3 million per year, while the Rangers reportedly offered Del Zotto a two or three year deal at upward of $2.5 million per before the lockout. ...Del Zotto has got to be kidding me playing hardball. He doesn't know what he's getting himself into. Sather and the Rangers have all the leverage, so Del Zotto can either lower his demands or go find another team to play for. One year deal might be the answer. Remember to follow me on Twitter & Facebook or e-mail me at email@example.com.
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On Welcome Back Sunday, Mick Woodhead reminds the church of this year's vision "Increase" and encourages the church to pray, give thanks, and rejoice!
Bible base: 1 Thessalonians 5:16-18
For discussion in community
Today is Welcome Back Sunday. As we begin this new term, read the short Bible passage above and as individuals and Cluster/Cell communities consider what you can give thanks for and what you need to pray for as we begin this new term.
Whatever you do, Rejoice! God is on the move and it's going to be an exciting term.
Welcome Back Sunday
- Welcome Back Sunday (37.15 Mb)
- Viewed 535 times


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The American Democrat: Revised Edition (Penguin Classics)
In the 1830's, when reform was on everybody's lips, Cooper steered the course of a convinced Democrat who, however, was not an egalitarian. Family connexions and literary success introduced him to some of the leading politicians of France and England, as well as America, and his intellectual honesty allowed him to see that political deception was not peculiar to Europe. "The American Democrat" is essentially a condemnation of cant in American public life. Cooper is the author of "The Last of the Mohicans".
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Hughes Mushrooms' FilledFullOf range scoops Tesco listing
Posted: 4 December 2015 | | No comments yet
Developed by the leading Northern Irish-based mushroom producer, the new ready-prepared selection is being rolled into 15 Tesco stores across Northern Ireland…
Hughes Mushrooms has secured its first listing with Tesco for its own brand 'FilledFullOf' range in Northern Ireland.
The range is being rolled into 15 Tesco stores across Northern Ireland in four varieties Garlic Cream Cheese, Leek & Wensleydale, Bacon & Rosemary and Tomato, Chilli & Feta.
Developed by the leading Northern Irish-based mushroom producer, the new ready-prepared selection is aimed at busy customers who want high quality, flavoursome, nutritional, fresh meal ideas that look and taste like they have been prepared at home.
Mushrooms are filled with nutrients, including vitamin B and minerals such as selenium, copper and potassium, making them a nutritious addition to the daily diet.
Hughes has 'big plans' for the FilledFullOf range
Emmet Hughes, Director, Hughes Mushrooms commented: "As one of the UK's largest mushroom producers, we are delighted to share the news that our own brand FilledFullOf range has made it into Tesco. We have big plans for the range and it is a great start to secure a prestigious contract; allowing us to really showcase the quality and unique flavours of the locally-grown range with customers across Northern Ireland."
Caoimhe Mannion, Tesco Northern Ireland's Marketing Manager, said: "The FilledFullOf products are part of an award-winning range; further enhancing the quality of the local products we offer in store. We pride ourselves on the support we show local producers and the Hughes' contract will benefit more than 25 growers in Northern Ireland."
In double celebrations, the company also announced that its FilledFullOf Leek & Wensleydale variety received a highly commended award in this year's prestigious UK Quality Food Awards 2015. The FilledFullOf Leek & Wensleydale Flat Mushrooms entry was the only vegetable product to be shortlisted in Quality Food Awards' highly competitive 'Ready to Cook' category alongside with beef, chicken and pork meat lines.


text: Game of Death 1978 720p BluRay x264 DTS-WiKi Bruce Lee plays Billy Lo, a HongKong based movie actor, who is a box office draw. His girlfriend, Ann Morris is a singer who is also climbing to the top. Now it seems the syndicate wants Billy and Ann to join their "management firm". But Billy knows that they will be treated like property, so he refuses and tells her to do the same. So they try to "encourage" him to join but he still refuses. He would be advised that they will not stop, so he must stop them, permanently. He is even more hesitant to do that but when an attempt on his life is made, he fakes his death and alters his appearance, and decides to go after the syndicate; taking them out one at a time. Genre: Action | Crime | Drama IMDB rating: 5.6/10 from 6,981 users Directed by: Robert Clouse Starring: Bruce Lee, Gig Young and Colleen Camp Release Name: Game.of.Death.1978.720p.BluRay.x264.DTS-WiKi Size: 5.14 GB Quality: 1280×542, 5367 kbps, 5830 kbps Audio : English DTS @ 1510 Kbps Runtime: 85 mins Code: http://xxxxxxxx/gg0r119w/G4m3.of.D34th.1978.720p.BluRay.x264.DTS-WiKi.mkv.part6.rar http://xxxxxxxx/mauzek33/G4m3.of.D34th.1978.720p.BluRay.x264.DTS-WiKi.mkv.part5.rar http://xxxxxxxx/xdoqz78v/G4m3.of.D34th.1978.720p.BluRay.x264.DTS-WiKi.mkv.part4.rar http://xxxxxxxx/5it39kct/G4m3.of.D34th.1978.720p.BluRay.x264.DTS-WiKi.mkv.part3.rar http://xxxxxxxx/zfuxaukf/G4m3.of.D34th.1978.720p.BluRay.x264.DTS-WiKi.mkv.part2.rar http://xxxxxxxx/sw9nviq4/G4m3.of.D34th.1978.720p.BluRay.x264.DTS-WiKi.mkv.part1.rar


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The Ziera Shari is a casual women's lace-up walking shoe.
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Ziera Shari Pale Bronze Sparkle Leather Women's Shoe
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